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Pendahuluan
Introduction
Kesinambungan Tema
Theme Continuation
MENCIPTAKAN NILAI SEMAKIN
Integrated Report
Laporan Terintegrasi
2021
KOKOH MENYONGSONG MASA DEPAN
Upholding value
Bolstering resilience Upholding Value Bolstering Resilience Embracing Tomorrow
Embracing Tomorrow
Menciptakan Nilai Semakin Kokoh
Pandemi COVID-19 yang masih berlanjut memberikan tantangan tersendiri terhadap stabilitas
2021
Upholding value Bolstering resilience Embracing Tomorrow
Menyongsong Masa Depan
Menciptakan Nilai Semakin Kokoh Menyongsong Masa Depan
perekonomian Indonesia pada tahun 2021. Namun kondisi tersebut secara tidak langsung
mendorong perubahan cara layanan perbankan untuk mengarah pada transformasi digital.
Sebagai bank yang secara berkesinambungan melakukan transformasi bisnis, Bank Maspion
senantiasa berinovasi dengan mengembangkan produk dan layanan berbasis digital. Melalui
strategi dinamis yang adaptif dengan berbagai perubahan, Bank Maspion mampu tumbuh semakin
kokoh dan sehat, menapaki jalan kesuksesan menuju masa depan yang lebih cerah.
The ongoing COVID-19 pandemic poses challenges to the stability of the Indonesian economy
in 2021. Nevertheless, this condition indirectly encourages changes in how banking services
lead to digital transformation. Throughout its continuous business transformation, Bank Maspion
Integrated Report
Laporan Terintegrasi
continues to innovate by offering digital-based products and services. Investing in a dynamic
2021
strategy that adapts to various changes is how Bank Maspion can grow stronger and robust,
paving the road to success toward a bright future.
MENUJU BABAK BARU
THE NEW CHAPTER
Tahun 2022 memberi makna bagi perjalanan bisnis Bank Maspion, dimana Bank Maspion secara
2022
resmi diakuisisi oleh KASIKORN VISION FINANCIAL COMPANY PTE. LTD. yang 100% dimiliki
oleh KASIKORNBANK PUBLIC COMPANY LIMITED(KBank). Sepanjang tahun 2022, Bank Maspion
juga berhasil menunjukkan kinerja yang positif, salah satunya dengan keberhasilan Bank
mencatatkan peningkatan laba tahun berjalan sebesar 43,39% dibandingkan tahun 2021. Kinerja
Bank Maspion yang sangat baik tersebut tidak terlepas dari strategi Bank dalam menciptakan
kinerja yang seimbang dari segi finansial maupun non finansial.
Menjalani babak baru bersama KBank, Bank Maspion akan tumbuh lebih kokoh dengan visi
kedepannya untuk menjadi bank terbesar di Jawa Timur pada tahun 2027.
The year 2022 adds significance to Bank Maspion commercial journey, where Bank Maspion is
acquired by KASIKORN VISION FINANCIAL PTE. LTD., which is 100% owned by KASIKORNBANK
PUBLIC COMPANY LIMITED(KBank). Bank Maspion has also managed to display strong
performance during 2022, one of which is the Bank’s achievement in posting an income for the
year of 43.39% compared to 2021. Bank Maspion outstanding success is inextricably linked to
the Bank’s aim of achieving balanced financial performance. nor non-financial.
Bank Maspion will become stronger as it embarks on a new chapter with KBank, with a vision
in the future to be the biggest bank in East Java by 2027.
MOMENTUM PERUBAHAN
MOMENTUM OF CHANGE
Tahun 2023 adalah tahun krusial di mana kecepatan dan energi dari transformasi ditekankan.
2023
Dalam tema ini, fokusnya adalah pada pengaturan ulang dan memaknai kembali pendekatan
yang diambil untuk mencapai tujuan, dengan memanfaatkan momentum perubahan untuk
mendorong maju organisasi. Perjalanan selama tahun 2023 menunjukkan pentingnya adaptabilitas
dan inovasi, mencerminkan perlunya berkembangnya strategi sebagai respons terhadap perubahan
situasi guna mencapai tujuan yang ditetapkan dengan efektif.
2023 is a crucial year in which the pace and energy of transformation are emphasized. In this
theme, the focus lies on recalibrating and redefining the approach taken towards achieving
goals, harnessing the momentum of change to propel the organization forward. The journey
through 2023 shows the significance of adaptability and innovation, reflecting the need to evolve
strategies in response to changing circumstances to effectively attain the set goals.
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2 Laporan Tahunan Terintegrasi 2024
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2024
EMPOWERING
TRANSFORMATION
Transformasi yang Memberdayakan
Sepanjang tahun 2024, Bank Maspion memfokuskan upaya Throughout 2024, Bank Maspion is focusing its efforts on
untuk semakin mendorong transformasi dengan memanfaatkan empowering transformation by capitalizing on the momentum
momentum perubahan yang telah dibangun. Perkembangan of change that has been built. The Bank's development
encompasses not only business innovation and expansion
Bank tidak hanya mencakup inovasi dan ekspansi bisnis but also a commitment to sustainability through green
tetapi juga komitmen terhadap keberlanjutan melalui financing, social impact investment and sustainable business
pembiayaan hijau, investasi berdampak sosial, dan operasi operations. In addition, the Bank is also strengthening and
bisnis yang berkelanjutan. Selain itu, Bank juga memperkuat empowering collaboration with all stakeholders, underscoring
dan memberdayakan kolaborasi dengan seluruh pemangku that growth is a collective effort rooted in strong relationships
and shared goals.
kepentingan, menggarisbawahi bahwa pertumbuhan
merupakan upaya kolektif yang berakar pada hubungan
yang kuat dan tujuan bersama.
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Pendahuluan
Introduction
Daftar Isi
Table of Content
2 Kesinambungan Tema
Theme Continuation
4 Daftar Isi Profil Perusahaan
Company Profile
Table of Content
Ikhtisar Utama 46 Informasi Perusahaan
Main Highlights Company Information
50 Kegiatan Usaha
Business Activities [OJK C4] [GRI 2-6]
52 Struktur Organisasi
Ikhtisar 2024 Organization Structure
2024 Highlights
54 Identitas Perusahaan
Corporate Identity
14 Ikhtisar Keuangan Penting 55 Visi & Misi
Financial Highlights Vision & Mission [OJK C1]
15 Rasio Keuangan 55 Nilai-Nilai Perusahaan
Financial Ratio Company Values [OJK C.1] [GRI 2-23]
16 Ikhtisar Saham 56 Produk dan Layanan
Stock Highlights Products and Services [OJK C4] [GRI 2-6]
17 Peristiwa Penting 2024 63 Wilayah Operasional
Significant Events 2024 Operational Areas [OJK C3] [GRI 2-1]
22 Penghargaan Perusahaan 63 Jaringan Kantor (Per 31 Desember 2024)
Company’s Awards Office Network (As of 31 December 2024)
23 Penghargaan Individu 69 Keanggotaan Dalam Asosiasi
Individual’s Awards Membership in Business Associations [OJK C5] [GRI 2-28]
70 Perubahan Komposisi Dewan Komisaris dan Direksi
Changes in the Board of Commissioners
and the Board of Directors Composition
72 Profil Dewan Komisaris
Laporan kepada Pemangku Kepentingan
Report to Stakeholders The Board of Commissioners’ Profile
78 Profil Direksi
The Board of Directors’ Profile
26 Laporan Dewan Komisaris 83 Pejabat Eksekutif
Board of Commisioners Report Excecutive Officers
34 Laporan Direksi 84 Komposisi Pemegang Saham
Board of Directors Report Shareholder Composition [OJK C.3] [GRI 2-1]
87 Struktur Pemegang Saham
Shareholder Structure
87 Entitas Anak, Perusahaan Asosiasi,
dan Perusahaan Ventura
Subsidiary, Associated Company, and Joint Venture [GRI 2-2]
87 Kronologis Pencatatan Saham
Share Listing Chronology
88 Informasi Pencatatan Efek Lainnya
Information on Other Securities Listing
88 Lembaga Penunjang Pasar Modal
Capital Market Supporting Agencies
89 Perubahan yang Bersifat Signifikan
Significant Changes [OJK C.6]
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Analisa dan Pembahasan Manajemen Tinjauan Pendukung Bisnis
Management Discussion and Analysis Business Supporting Review
92 Kondisi Ekonomi Makro 2024 132 Sumber Daya Manusia
Macro Economic Condition in 2024 Human Resources
94 Tinjauan Operasi Per Segmen Usaha 139 Teknologi Informasi
Operational Review Per Business Segment Information Technology
101 Tinjauan Keuangan
Financial Review
113 Rasio Keuangan dan Rasio Penting Lainnya
Financial Ratios and Other Important Ratios Laporan Tata Kelola Perusahaan
Good Corporate Governance Report
115 Pencapaian Tahun 2024
Achievement in 2024
118 Proyeksi Tahun 2025 160 Laporan Tata Kelola Perusahaan
Projection in 2025 Corporate Governance Report
119 Prospek Usaha dan Strategi Tahun 2025 163 Struktur Dan Mekanisme Tata Kelola Perusahaan
Business Prospect and Strategies in 2025 Corporate Governance Structure and Mechanism
121 Kebijakan Permodalan dan Struktur Modal 165 Rapat Umum Pemegang Saham
Capital Policies and Capital Structure General Meeting of Shareholders
122 Tingkat Kolektibilitas Piutang 175 Dewan Komisaris
Collectability of Receivables Board of Commissioners
122 Kemampuan Membayar Utang 184 Direksi
Solvency Analysis Board of Directors
123 Ikatan Material untuk Investasi Barang Modal 193 Kehadiran Dewan Komisaris dan Direksi Dalam RUPS
Material Commitment for Capital Expenditure Attendance of The Board of Commissioners and
124 Investasi Barang Modal Directors in The RUSPS
Capital Expenditure 193 Rapat Dewan Komisaris dan Direksi
124 Informasi dan Fakta Material Board of Commissioners and Directors Meetings
Setelah Tanggal Laporan Akuntan 202 Tata Kelola Remunerasi
Material Information and Facts Remuneration Governance
After The Accountant’s Report Date 210 Share Option
125 Informasi Material Mengenai Investasi, Ekspansi, Share Option
Akuisisi, Divestasi dan Restrukturisasi Utang 210 Komite Dibawah Dewan Komisaris
Material Information Regarding Investment, Expansion, Committees Under The Board of Commissioners
Acquisitions, Divestments and Debt Restructuring 229 Komite di Bawah Direksi
125 Informasi Material Mengenai Transaksi Afiliasi dan Committee under The Board of Directors
Transaksi Yang Mengandung Benturan Kepentingan 263 Fungsi Kepatuhan
Material Information Regarding Affiliated Transactions and Compliance Function
Transactions With Conflict of Interest 267 Penerapan Anti Pencucian Uang (APU),
126 Perubahan Kebijakan Akuntansi Pencegahan Pendanaan Terorisme (PPT) dan Pencegahan
Changes in Accounting Policies Pendanaan Proliferasi Senjata Pemusnah Masal (PPPSPM)
128 Suku Bunga Dasar Kredit (SBDK) Implementation of Anti-Money Laundering (APU), Prevention
Prime Lending Rate (PLR) of Financing of Terrorism (PPT) and Prevention of Financing
Proliferation of Weapons of Mass Destruction (PPPSPM)
271 Sekretaris Perusahaan
Corporate Secretary
274 Fungsi SKAI (Satuan Kerja Audit Internal)
Function of SKAI (Internal Audit Work Unit)
278 Fungsi Audit Eksternal
External Audit Function
279 Fungsi Manajemen Risiko dan Pengendalian Internal
Risk Management and Internal Control Functions
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Pendahuluan
Introduction
283 Penyediaan Dana Kepada
Pihak Terkait dan Eksposur Besar
Laporan Keberlanjutan
Provision of Funds to Related Parties and Large Exposures Sustainability Report
283 Transaksi Yang Mengandung Benturan Kepentingan
Transactions That Contain Conflicts Of Interest
284 Penyimpangan Internal 400 Tentang Laporan Berkelanjutan
Internal Deviations About Sustainability Report [GRI 2-3]
284 Pemberian Dana Untuk Kegiatan Sosial dan Politik 401 Penentuan Topik Material dan Batasan Dampak
Provision of Funds for Social and Political Activities Determination of Material Topics and Impact Boundaries [GRI 3-1]
284 Kode Etik 404 Berkomitmen Pada Prinsip Keberlanjutan
Code of Ethics Dedicated to Upholding Sustainability Principles
287 Budaya Perusahaan 410 Ikhtisar Kinerja Keberlanjutan
Company Culture Sustainability Performance Highlights
287 Program Kepemilikan Saham Oleh Karyawan
Employee Share Ownership Program
287 Informasi Lain Yang Terkait GCG
Other GCG Related Information
Menuju Perekonomian yang Berkelanjutan
287 Whistleblowing
Heading toward Sustainable Economy
Whistleblowing
290 Kebijakan Anti Korupsi
Kebijakan Anti Korupsi 411 Tinjauan Perekonomian &
291 Rencana Strategis Ketahanan Sistem Perbankan
Strategic Plan Economic Review & Banking System Resilience
291 Perkara Penting yang Dihadapi 417 Operasi Bisnis Berkelanjutan
Important Matters Faced Sustainable Business Operation
292 Transparansi Kondisi Keuangan dan Non Keuangan Bank 418 Produk dan Layanan
Transparency of The Bank's Financial and Products and Services
Non-Financial Condition 420 Nilai Ekonomi yang Dihasilkan
293 Penerapan Atas Pedoman & Didistribusikan [GRI 201-1, 207-1, 207-4]
Tata Kelola Perusahaan Terbuka Economic Value Generated & Distributed [GRI 201-1, 207-1, 207-4]
Implementation of Public Company 421 Kontribusi terhadap Negara [GRI 201-1]
Governance Guidelines Contribution to the State [GRI 201-1]
300 Informasi Lain Yang Terkait GCG 422 Praktik Pengadaan Barang dan Jasa
Other GCG Related Information Goods and Services Procurement Practices
423 Perlindungan Data & Kepuasan Nasabah
Data Protection & Customer Satisfaction
Manajemen Risiko
Risk Management Menjaga Kelestarian Lingkungan
Preserving Evironmental Sustainability
304 Manajemen Risiko
Risk Management 430 Komitmen Pelestarian Lingkungan
306 Pengungkapan Permodalan dalam Mendukung Net Zero Emission
Capital Disclosure Commitment to Environmental
309 Pengungkapan Eksposur Preservation to Support Net Zero Emission
dan Penerapan Manajemen Risiko 433 Pengelolaan dan Pemantauan Lingkungan [OJK F16]
Disclosure of Exposures and Environmental Management and Monitoring [OJK F16]
Implementation of Risk Management 434 Upaya Pengelolaan Energi
324 Laporan Publikasi Eksposur Risiko dan Permodalan dan Penurunan Emisi GRK [OJK F7, F12] [GRI 302-4, 305-5]
Risk Exposure and Capitalisation Publication Report Energy Management and GHG
Emission Reduction Efforts [OJK F7, F12] [GRI 302-4, 305-5]
435 Penggunaan Energi [OJK F6] [GRI 302-1, GRI 302-4]
Energy Usage [OJK F6] [GRI 302-1, GRI 302-4]
436 Emisi GRK yang Dihasilkan [OJK F6] [GRI 302-1, GRI 302-4]
Generated GHG Emissions [OJK F6] [GRI 302-1, GRI 302-4]
437 Penggunaan & Penghematan Air [OJK F8] [GRI 303-2]
Water Usage and Efficiency [OJK F8] [GRI 303-2]
438 Pengelolaan Limbah [OJK F13, F14, F15]
Waste Management [OJK F13, F14, F15]
439 Kepatuhan Lingkungan & Sosial [OJK F16] [GRI 307-1]
Environmental & Social Compliance [OJK F16] [GRI 307-1]
439 Implementasi ESG dalam Investasi Berkelanjutan
ESG Implementation in Sustainable Investment
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454 Tanggung Jawab Sosial Perusahaan [OJK F25]
Memberdayakan Insan Corporate Social Responsibility [OJK F25]
Bank Maspion dan Masyarakat 466 Indeks Konten GRI
Empowering People of Bank Maspion GRI Content Index
and The Community 475 Daftar Pengungkapan sesuai Peraturan Otoritas
Jasa Keuangan No. 51/POJK.03/2017
Disclosure List according to Financial Services Authority Regulation
443 Komposisi & Peningkatan Kualitas SDM
No. 51/POJK.03/2017 [OJK G4]
HR Composition & Quality Improvement
478 Lembar Umpan Balik
446 Sistem Penilaian Kinerja
Feedback Sheet [GRI 102-53] [OJK G.2]
& Pengembangan Karir [GRI 404-2] [OJK F.18] [OJK F.22]
479 Tanggapan Terhadap Umpan Balik Laporan
Performance Assessment System
Keberlanjutan Tahun Sebelumnya
& Career Development [GRI 404-2] [OJK F.18] [OJK F.22]
Responses to the Preceding Year’s Report Feedback [OJK G.3]
447 Tingkat Perputaran
Turnover Rate
448 Kesejahteraan Pegawai
Employee Welfare Laporan Keuangan
450 Keamanan & Dampak Produk [OJK F.28] [OJK F.29] Financial Report
Product Safety & Impact [OJK F.28] [OJK F.29]
450 Komitmen Untuk Memberikan
Layanan atas Produk dan/atau Jasa
yang Setara kepada Konsumen [OJK F.17] [OJK F.27] [OJK F29]
Commitment to Providing Equivalent
Products and/or Services to Consumers
[OJK F.17] [OJK F.27] [OJK F29]
452 Penegakan Hak Asasi Manusia (HAM) [S-07, 08, 09, 10]
Human Rights Enforcement (HAM) [S-07, 08, 09, 10]
453 Dampak Operasi
Terhadap Masyarakat Sekitar [OJK F.23] [GRI 413-1] [GRI 413-2]
Operational Impact on
Surrounding Communities [OJK F.23] [GRI 413-1] [GRI 413-2]
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Ikhtisar Utama
Main Highlights
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Ikhtisar Utama
Main Highlights
Jumlah Aset | Total Assets
Dalam jutaan Rupiah | In Million Rupiah
2023 2024
19.665.963 22.305.049 13,42
Kredit | Loans
Dalam jutaan Rupiah | In Million Rupiah
2023 2024
13.246.439 16.438.254 24,10
CASA
Dalam jutaan Rupiah | In Million Rupiah
2023 2024
1.996.434 2.991.886 49,86
DPK | Customers Deposit
Dalam jutaan Rupiah | In Million Rupiah
2023 2024
11.031.119 13.250.061 20,12
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Internet Banking
Transaksi | Transactions
Nasabah | Customers Frekuensi | Frequency Dalam jutaan Rupiah | In Million Rupiah
2024 : 8.186 2024 : 241.027 2024 : 21.951.186
2023 : 8.023 2023 : 181.792 2023 : 13.356.123
Mobile Banking
Transaksi | Transactions
Nasabah | Customers Frekuensi | Frequency (Dalam jutaan Rupiah | In Million Rupiah)
2024 : 31.553 2024 : 1.910.798 2024 : 2.492.579
2023 : 31.659 2023 : 1.206.198 2023 : 2.054.314
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Ikhtisar 2024
2024 Highlights
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Ikhtisar 2024
2024 Highlights
Ikhtisar Keuangan Penting
Financial Highlights [OJK C.3]
Dalam jutaan Rp | In million Rp
Laporan Posisi Keuangan
2024 2023 2022
Statements of Financial Position
Jumlah Aset 22.305.049 19.665.963 14.956.302
Total Asset
Jumlah Aset Produktif 23.157.639 20.573.883 14.100.542
Total Earning Assets
Kredit yang Diberikan – Bruto 16.438.254 13.246.439 8.782.552
Loans - gross
Simpanan dari Nasabah 13.250.062 11.031.119 10.917.998
Deposits from Customers
• Giro | Current Account 1.945.491 917.440 1.200.127
• Tabungan | Savings Account 1.046.405 1.078.994 1.106.121
• Deposito | Time Deposits 10.258.166 9.034.685 8.611.750
Jumlah Liabilitas 15.841.464 12.943.306 11.803.688
Total Liabilities
Ekuitas 6.463.585 6.722.657 3.152.614
Equity
Dalam jutaan Rp | In million Rp
Laporan Laba Rugi Komprehensif
2024 2023 2022
Statements of Comprehensive Income
Pendapatan Bunga 1.513.565 1.203.295 951.206
Interest Income
Beban Bunga (801.101) (671.539) (530.181)
Interest Expense
Pendapatan Bunga Bersih 712.464 531.756 421.025
Net Interest Income
Pendapatan Operasional Lain 58.856 51.249 50.297
Other Operating Income
Beban Operasional Lain (1.088.466) (498.865) (321.015)
Other Operating Expense
Laba Operasional (317.146) 84.140 150.307
Operating Income
Laba Sebelum Beban Pajak (311.288) 83.824 151.071
Income Before Tax Expense
Laba Tahun Berjalan (247.213) 63.253 114.941
Income for the year
Jumlah Laba yang dapat diatribusikan kepada pemilik (247.213) 63.253 114.941
entitas induk dan kepentingan non pengendali
Total income attributable to equity holders of the parent
entity and non-controlling interests
Jumlah Laba Komprehensif Tahun Berjalan (259.071) 67.718 113.895
Total Comprehensive Income for the year
Jumlah Laba Komprehensif yang dapat diatribusikan kepada (259.071) 67.718 113.895
pemilik entitas induk dan kepentingan non pengendali
Total Comprehensive Income attributable to equity holders
of the parent entity and non-controlling interests
Laba per saham dasar (Rupiah penuh) (13,66) 6,72 23,99
Basic Earnings per share (in full Rupiah)
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Rasio Keuangan
Financial Ratio
Rasio Keuangan
2024 2023 2022
Financial Ratio
Permodalan
Capital
Kewajiban Penyediaan Modal Minimum (KPMM) 43,52% 50,12% 31,55%
Capital Adequacy Ratio (CAR)
Kualitas Aset
Asset Quality
Aset Produktif Bermasalah dan Aset Non Produktif Bermasalah terhadap 3,70% 3,46% 2,31%
total Aset Produktif dan Aset Non Produktif
Non-Performing Earning Assets and Non-Productive Assets to total
Earning Assets and Non Productive Assets
Aset Produktif Bermasalah terhadap total Aset Produktif 2,32% 1,67% 0,76%
Non-Performing Earning Assets to Earning Assets
Cadangan Kerugian Penurunan Nilai atas Aset Keuangan terhadap Aset 2,27% 0,79% 0,42%
Produktif
Allowance for Impairment Losses on Financial Assets to Earning Assets
Rasio Kredit Bermasalah - Bruto 3,26% 2,59% 1,21%
Non-Performing Loans (NPL) - Gross
Rasio Kredit Bermasalah - Bersih 2,07% 2,12% 0,97%
Non-Performing Loans (NPL) - Net
Profitabilitas
Profitability
Imbal Hasil Aset (ROA) -1,43% 0,46% 1,06%
Return on Assets (ROA)
Imbal Hasil Ekuitas (ROE) -3,79% 1,74% 7,15%
Return on Equity (ROE)
Marjin Bunga Bersih (NIM) 3,76% 3,62% 3,88%
Net Interest Margin (NIM)
Beban Operasional terhadap Pendapatan Operasional (BOPO) 120,13% 93,29% 84,99%
Operating Expenses to Operating Income (BOPO)
Rasio Biaya terhadap Pendapatan 92,13% 70,30% 66,57%
Cost to Income Ratio
Likuiditas
Liquidity
Rasio Kredit terhadap Pendanaan (LDR) 124,06% 120,08% 80,44%
Loans to Deposits Ratio (LDR)
Rasio Liabilitas terhadap Ekuitas 245,09% 192,53% 374,41%
Debt to Equity Ratio
Rasio Liabilitas terhadap Total Aset 71,02% 65,82% 78,92%
Debt to Total Assets Ratio
Kepatuhan
Compliance
Persentase Pelanggaran BMPK
Percentage of Violation of Legal Lending Limit
• Pihak Terkait | Related Parties - - -
• Pihak Tidak Terkait | Third Parties - - -
Persentase Pelampauan BMPK
Percentage of Excess of Legal Lending Limit
• Pihak Terkait | Related Parties - - -
• Pihak Tidak Terkait | Third Parties - - -
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Ikhtisar 2024
2024 Highlights
Rasio Keuangan
2024 2023 2022
Financial Ratio
Giro Wajib Minimum Utama – Rupiah 6,31% 7,88% 8,79%
Primary Statutory Reserves – Rupiah
Giro Wajib Minimum – Valas 4,27% 4,05% 4,28%
Statutory Reserves – Foreign Currency
Posisi Devisa Netto 0,52% 0,52% 1,15%
Net Open Position
Ikhtisar Saham
Stock Highlights
INFORMASI SAHAM STOCK INFORMATION
Jumlah saham Harga Saham Share Price
Jumlah saham Volume Kapitalisasi Pasar
yang tercatat
Tahun Triwulan diterbitkan Tertinggi Terendah Penutupan Perdagangan Market
Number of
Year Quarter Number of Highest Lowest Closing Transaction Capitalization
Shares
Shares issued (Rupiah) (Rupiah) (Rupiah) Volume (Rupiah)
registered
2024 Triwulan I 18.102.662.304 17.921.635.680 595 500 535 68 9.588.075.088.800
1st Quarter
Triwulan II 18.102.662.304 17.921.635.680 570 500 500 0 8.960.817.840.000
2nd Quarter
Triwulan III 18.102.662.304 17.921.635.680 1.050 484 805 2.100 14.426.916.722.400
3rd Quarter
Triwulan IV 18.102.662.304 17.921.635.680 930 585 585 567.200 10.484.156.872.800
4th Quarter
2023 Triwulan I 8.620.315.383 8.534.112.229 1.415 1.400 1.400 33.926.372 11.947.757.120.600
1st Quarter
Triwulan II 8.620.315.383 8.534.112.229 1.210 1.170 1.200 16.129.165 10.240.934.674.800
2nd Quarter
Triwulan III 8.620.315.383 8.534.112.229 1.270 1.240 1.265 660.800 10.795.651.969.685
3rd Quarter
Triwulan IV 18.102.662.304 17.921.635.680 580 560 580 7.377.983 10.394.548.694.400
4th Quarter
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Peristiwa Penting 2024
Significant Events 2024
29 Februari 2024
February 29, 2024 Dipimpin oleh Bapak Worawut Wesaratchakit selaku First
Senior Vice President KASIKORNBANK dan Ibu Kasemsri
Charoensiddhi selaku Direktur Utama Bank Maspion, KBank
bersama Bank Maspion memimpin kunjungan 70 pengusaha
Thailand ke Jawa Timur dalam program “Thailand Meets East
Java: The Spectacularity of Abundance”. Kunjungan ini
bertujuan untuk mempelajari peluang ekonomi dan memperluas
perdagangan serta investasi di Indonesia.
Led by Mr. Worawut Wesaratchakit as First Senior Vice
President of KASIKORNBANK and Ms. Kasemsri Charoensiddhi
as President Director of Bank Maspion, KBank together with
Bank Maspion led a visit by 70 Thai businessmen to East
Java as part of the “Thailand Meets East Java: The Spectacularity
of Abundance”. The visit aims to explore economic opportunities
and expand trade and investment in Indonesia.
8 Maret 2024
March 8, 2024 Untuk membangun kemitraan yang kuat antara sektor perbankan
dan media, Ibu Kasemsri Charoensiddhi selaku Direktur Utama
Bank Maspion berkemsempatan mengunjungi CNN & CNBC
Indonesia untuk bertemu dan berdiskusi dengan Bapak Wendy
Firman selaku Direktur Liputan beserta jajaran terkait.
To build a strong partnership between the banking and media
sectors, Ms. Kasemsri Charoensiddhi, President Director of
Bank Maspion, had the opportunity to visit CNN & CNBC
Indonesia to meet and discuss with Mr. Wendy Firman, Director
of Coverage, and related parties.
19 Maret 2024
March 19, 2024 Bank Maspion menyerahkan donasi furniture dan komputer
ke AGCA Center, Surabaya, yang mendukung pendidikan
anak-anak berkebutuhan khusus. Kegiatan ini menunjukkan
komitmen Bank Maspion terhadap pendidikan inklusif di
Indonesia
Bank Maspion donated furniture and computers to the AGCA
Center, Surabaya, which supports the education of children
with special needs. This activity demonstrates Bank Maspion's
commitment to inclusive education in Indonesia.
26 Maret 2024
March 26, 2024 Diwakili oleh Direktur Utama, Ibu Kasemsri Charoensiddhi,
Bank Maspion mendonasikan komputer ke Sekolah Pelita
Permai, Surabaya (School for Poor) sebagai wujud dukungan
terhadap inklusivitas pendidikan anak-anak Indonesia,
mempertegas komitmennya dalam menciptakan akses belajar
yang setara bagi semua
Represented by the President Director, Ms. Kasemsri
Charoensiddhi, Bank Maspion donated computers to Pelita
Permai School, Surabaya (School for the Poor) as a form of
support for the inclusiveness of Indonesian children's education,
reinforcing its commitment to creating equal access to learning
for all.
PT Bank Maspion Indonesia Tbk
Integated Report 2024 17
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Ikhtisar 2024
2024 Highlights
28 Maret 2024
March 28, 2024 Bank Maspion sukses mengadakan media gathering di Kantor
Pusat, Pakuwon Tower Surabaya, yang dihadiri oleh Direktur
Utama Ibu Kasemsri Charoensiddhi, Direktur Marketing Ibu
Theresia Endah Winarni dan Ibu Iis Herijati selaku Direktur
Operasional yang bertujuan untuk mempererat hubungan
dengan media dan membahas perkembangan bisnis Perusahaan.
Bank Maspion successfully held a media gathering at the Head
Office, Pakuwon Tower Surabaya, which was attended by the
President Director Ms. Kasemsri Charoensiddhi, Marketing
Director Mrs. Theresia Endah Winarni and Mrs. Iis Herijati as
the Operations Director, which aimed to strengthen relations
with the media and discuss the Company's business development.
14 Mei 2024
May 14, 2024 Bank Maspion sukses melaksanakan RUPST yang diadakan
di Pacific Century Place, Sudirman Jakarta. Acara ini dihadiri
oleh seluruh anggota BOC dan BOD.
Bank Maspion successfully held its AGM at Pacific Century
Place, Sudirman Jakarta. The event was attended by all
members of the BOC and BOD.
16 Mei 2024
May 16, 2024, Ibu Kasemsri Charoensiddhi, selaku Direktur Utama Bank
Maspion, menyampaikan kuliah tamu bertema "Digital
Transformation in Banking Industry" kepada mahasiswa Finance
& Investment Universitas Kristen Petra, Surabaya. Beliau
membahas transformasi digital dalam perbankan yang mengubah
cara bank beroperasi dan melayani nasabah, sekaligus
memberikan inspirasi bagi generasi muda di era digital.
Ms. Kasemsri Charoensiddhi, as President Director of Bank
Maspion, delivered a guest lecture on the theme of “Digital
Transformation in Banking Industry” to Finance & Investment
students at Petra Christian University, Surabaya. She discussed
the digital transformation in banking that is changing the way
banks operate and serve customers, as well as providing
inspiration for the younger generation in the digital era.
13 Juni 2024
June 13, 2024 Sebagai wujud transparansi kepada pemegang saham dan
investor, Bank Maspion sukses menggelar Public Expose di
kantor pusat, Pakuwon Tower, Tunjungan Plaza 6, Surabaya.
As a form of transparency to shareholders and investors,
Bank Maspion successfully held a Public Expose at its head
office, Pakuwon Tower, Tunjungan Plaza 6, Surabaya.
PT Bank Maspion Indonesia Tbk
18 Laporan Tahunan Terintegrasi 2024
Page 19
14 Juni 2024
June 14, 2024 Bank Maspion bekerja sama dengan Pable Indonesia
meluncurkan proyek daur ulang seragam bekas menjadi
produk bermanfaat, sebagai wujud komitmen terhadap
keberlanjutan lingkungan dan pengurangan limbah.
Bank Maspion in collaboration with Pable Indonesia launched
a project to recycle used uniforms into useful products, as a
form of commitment to environmental sustainability and waste
reduction.
21 Juni 2024
June 21, 2024 Intiland dan Bank Maspion berkolaborasi menggelar Program
Inovator Muda dengan mengusung tema “Building Futures:
Youthful Harmony for Social, Economic, and Environment
Innovation,”. Program ini menjadi wadah bagi para peserta untuk
berkolaborasi dan menciptakan inisiatif-inisiatif berkelanjutan di
bidang ekonomi, sosial, dan lingkungan.
Intiland and Bank Maspion collaborated to hold the Young
Innovator Program with the theme “Building Futures: Youthful
Harmony for Social, Economic, and Environmental Innovation.”
This program is a forum for participants to collaborate and create
sustainable initiatives in the economic, social, and environmental
fields.
26 Juni 2024
June 26, 2024 Sebagai wujud komitmennya mendukung pendidikan inklusif
bagi anak-anak kurang mampu khususnya dari Indonesia
Timur, Bank Maspion mendonasikan komputer ke Panti Asuhan
Benih Kasih, Surabaya.
As a form of its commitment to support inclusive education
for underprivileged children, especially from Eastern Indonesia,
Bank Maspion donated computers to the Benih Kasih
Orphanage, Surabaya.
28 Juni 2024
June 28, 2024 Menutup paruh pertama tahun 2024, Bank Maspion sukses
menyelenggarakan Town Hall ke-2 yang diselenggarakan di
Amphitheatre Kotta Hotel, Semarang. Dengan tema “A Moment
to Elevate: Empowering & Elevate You”.
Closing the first half of 2024, Bank Maspion successfully held
its 2nd Town Hall at the Kotta Hotel Amphitheater, Semarang.
With the theme “A Moment to Elevate: Empowering & Elevate
You”.
7 Juli 2024
July 7, 2024 Melalui program GreenThread: Roots For The Future, Bank
Maspion bersama BumiBaik dan KTH Hijau Lestari menanam 100
pohon alpukat di Desa Sumberejo, Kota Batu. Inisiatif ini mendukung
reboisasi, pengurangan emisi karbon, dan keberlanjutan lingkungan,
dilengkapi teknologi geo-tagging untuk pemantauan pohon
secara transparan.
Through the GreenThread: Roots For The Future program, Bank
Maspion together with BumiBaik and KTH Hijau Lestari planted
100 avocado trees in Sumberejo Village, Batu City. This initiative
supports reforestation, carbon emission reduction, and
environmental sustainability, equipped with geo-tagging technology
for transparent tree monitoring.
PT Bank Maspion Indonesia Tbk
Integated Report 2024 19
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Ikhtisar 2024
2024 Highlights
12-14 Juli 2024
July 12-14, 2024 Bank Maspion kembali menggelar Executive Workshop
tahunannya di Golden Tulip Holland Resort, Kota Batu, Jawa
Timur yang diikuti oleh jajaran Direksi dan Kepala Departemen.
Dalam berdiskusi tentang tantangan yang dihadapi bank serta
mendefinisikan kembali visi, nilai, dan budaya perusahaan
baru untuk mendorong inovasi, ketahanan, dan pertumbuhan.
Bank Maspion held its annual Executive Workshop at the
Golden Tulip Holland Resort, Batu City, East Java, which was
attended by the Board of Directors and Department Heads.
The workshop discussed the challenges faced by the bank
and redefined the new company's vision, values, and culture
to encourage innovation, resilience, and growth.
6 September 2024
September 6, 2024 Bank Maspion sukses menggelar Town Hall ke-3 nya di tahun
2024 yang sekaligus bertepatan dengan perayaan ulang
tahun ke-34 dengan tema Bertumbuh Lebih Baik. Acara
tersebut diselenggarakan secara hybrid dengan berpusat di
Pacific Century Place, Jakarta.
Bank Maspion successfully held its 3rd Town Hall in 2024,
which also coincided with its 34th anniversary celebration
with the theme of Growing Better. The event was held in a
hybrid manner, centered at Pacific Century Place, Jakarta.
26 September 2024
September 26, 2024 Bank Maspion, bekerja sama dengan KBank, berhasil
menyelenggarakan acara customer gathering di Hotel Padma,
Semarang dengan tema “Limitless Growth Potential”. Ibu
Kasemsri Charoensiddhi, selaku Direktur Utama Bank Maspion,
bersama dengan para eksekutif Bank Maspion dan Bapak
Kittichart Potithat, Senior Vice President Kbank, berpartisipasi
dalam acara ini untuk membina hubungan yang lebih kuat
dengan para nasabah dan memperkuat jaringan perbankan
di wilayah MEA+3.
Bank Maspion, in collaboration with KBank, successfully held
a customer gathering event In Hotel Padma, Semarang with
the theme “Limitless Growth Potential”. Ms. Kasemsri
Charoensiddhi, as President Director of Bank Maspion, together
with Bank Maspion executives and Mr. Kittichart Potithat,
Senior Vice President of Kbank, participated in this event to
foster stronger relationships with customers and strengthen
banking networks in the MEA+3 region.
16 – 18 Oktober 2024
October 16-18, 2024 Dalam acara Kbank event Trip di Bangkok, Thailand, Bank
Maspion melalui Ibu Kasemsri Charoensiddhi selaku Direktur
Utama menargetkan diri untuk menjadi bank terbesar di Jawa
Timur sebagai Langkah awal. Setelahnya, dalam lima hingga
enam tahun ke depan, bank memiliki visi masuk ke dalam 15
besar bank di RI.
During the Kbank event Trip in Bangkok, Thailand, Bank
Maspion through Mrs. Kasemsri Charoensiddhi as President
Director aims to become the largest bank in East Java as a
first step. After that, in the next five to six years, the bank has
a vision of entering the top 15 banks in Indonesia.
PT Bank Maspion Indonesia Tbk
20 Laporan Tahunan Terintegrasi 2024
Page 21
8 November 2024
November 8, 2024
KBank dan Bank Maspion Sukses Menyelenggarakan ‘Customer
Gathering: Limitless Growth Potential’ di JW Marriott Hotel,
Surabaya. Acara ini merupakan bukti sinergi yang kuat antara
KBank dan Bank Maspion dalam membangun hubungan dan
jejaring yang lebih kuat dengan seluruh pemangku kepentingan,
termasuk nasabah setia dan calon nasabah, mitra, serta media.
KBank and Bank Maspion Successfully Held 'Customer
Gathering: Limitless Growth Potential' at the JW Marriott Hotel,
Surabaya. This event is proof of the strong synergy between
KBank and Bank Maspion in building stronger relationships
and networks with all stakeholders, including loyal and
prospective customers, partners, and the media.
7 Desember 2024
December 7, 2024 Dalam rangka mendukung pelestarian lingkungan di Kota
Surabaya, Bank Maspion dan Intiland mengadakan acara
Gralapah (Gerak Lari Ambil Sampah) Fun Plogging 5K. Acara
ini juga menjadi bagian dari pendampingan pemenang program
Inovator Muda melalui bootcamp edukatif bertema “Building
Futures: Youthful Harmony for Social, Economy, and Environment
Innovation.”
In order to support environmental conservation in the city of
Surabaya, Bank Maspion and Intiland held a 5K Gralapah
(Gerak Lari Ambil Sampah) Fun Plogging event. The event
was also part of the mentoring of the winners of the Young
Innovator program through an educational bootcamp with
the theme “Building Futures: Youthful Harmony for Social,
Economy, and Environment Innovation.”
12 Desember 2024
December 12, 2024 KBank dan Bank Maspion mengadakan Customer Gathering
dengan tema Limitless Growth Potential di The St. Regis
Jakarta yang dihadiri oleh Chat Luangarpa selaku Komisaris
Utama Bank Maspion dan Executive Vice President KBank
serta Kasemsri Charoensiddhi selaku Direktur Utama. Dalam
acara tersebut, KBank memaparkan strategi menghadapi
Masyarakat Ekonomi ASEAN (MEA) 2025 dan misinya untuk
fokus jadikan Indonesia sebagai Pusat Pertumbuhan Bisnis
Regional.
KBank and Bank Maspion held a Customer Gathering with the
theme of Limitless Growth Potential at The St. Regis Jakarta,
which was attended by Chat Luangarpa as President Commissioner
of Bank Maspion and Executive Vice President of KBank and
Kasemsri Charoensiddhi as President Director. During the event,
KBank explained its strategy for facing the ASEAN Economic
Community (AEC) 2025 and its mission to focus on making
Indonesia the Center for Regional Business Growth.
23 Desember 2024
December 23, 2024 Dalam rangka menyambut Natal dan Tahun Baru, Bank Maspion
menggelar program Corporate Social Responsibility (CSR)
melalui santunan dan bantuan untuk Panti asuhan Santa Yulia
Kepanjen Surabaya. Diwakili oleh Ibu Iis Herijati selaku Direktur
Operasional, Bank Maspion memberikan donasi bahan-bahan
pangan pokok dengan harapan dapat membantu serta berbagi
kebahagiaan terhadap sesama.
In welcoming Christmas and New Year, Bank Maspion held a
Corporate Social Responsibility (CSR) program through donations
and assistance for the Santa Yulia Kepanjen Surabaya orphanage.
Represented by Mrs. Iis Herijati as Operational Director, Bank
Maspion donated staple food items in the hope of helping and
sharing happiness with others.
PT Bank Maspion Indonesia Tbk
Integated Report 2024 21
Page 22
Ikhtisar 2024
2024 Highlights
Penghargaan Perusahaan
Company’s Awards
GOLD
AWARD
AWARD-VII
2024
AWARDED TO :
PT BANK MASPION INDONESIA TBK
The Best Indonesia Finance
“BANK - Public Company” 2024
GOLD Award (B) (Excellent) (4 Star ) – Category : Asset Rp. 10 T- Rp 50 T
Jakarta, Monday, 12 August 2024
AWARD-VII
2024
Hj. Irlisa Rachmadiana,SSn,MM Prof. Ir. Roy Sembel, MBA, PhD, CSA,CIB,CIIM
Founder & CEO Economic Review Advisor Board of Jury & Professor in Finance
R
IR GROUP
I
GROU
P
This Award is Presented to
Economic Review
Indonesia Finance Award-VII 2024
PT BANK MASPION INDONESIA TBK
As the Winner of
Gold Award The Best Indonesia Finance
5th Indonesia Top Bank Awards 2024
in KBMI 2 Category
“BANK – Public Company” 2024
Thursday, June 20th, 2024
(Category: Asset Rp 10T-Rp 50T)
12 Agustus I August 2024
GOLD
AWARD
The Iconomics
5th Indonesia Top Bank Awards 2024
in KBMI 2 Category Awarded to :
20 Juni I June 2024
PT BANK MASPION INDONESIA TBK
THE BEST INDONESIA ANNUAL REPORT
AWARD - 2024
GOLD Award (B) (Excellent) ( 4 Star )
Category : PUBLIC Company - Sector : Bank
Jakarta, Friday, 11th October 2024
Hj. Irlisa Rachmadiana, SSn., MM. Gunawan Witjaksono, BSEE,MSEE,PhD, SMIEE,CISA,IPU
Founder & CEO Economic Review Chairman Board of Jury & Rector Cyber University
GLOBAL
IR GROUP LEADER
forum
UP
R
G RO
I
Economic Review
The Best Indonesia Annual Report Award 2024,
GOLD Award (B) (Excellent) Kategori Public Company –
Category Sector : Bank
11 Oktober | October 2024
PT Bank Maspion Indonesia Tbk
22 Laporan Tahunan Terintegrasi 2024
Page 23
Penghargaan Individu
Individual’s Awards
April 2024
April 2024
Ibu Diana Alim selaku Komisaris, Ibu Kasemsri Charoensiddhi
selaku Presiden Direktur , Ibu Endah Winarni selaku Direktur
Marketing, Ibu Iis Herijati selaku Direktur Operasional, meraih
penghargaan The 500 Most Outstanding Women 2024 dalam
sektor keuangan dan BUMN dari Infobank edisi April.
Mrs. Diana Alim as Commissioner, Ms. Kasemsri Charoensiddhi
as President Director, Mrs. Endah Winarni as Marketing
Director, Mrs. Iis Herijati as Operational Director, won the
2024 The 500 Most Outstanding Women award in the financial
sector and SOEs from the April edition of Infobank.
2 September 2024
September 2, 2024
Ibu Kasemsri Charoensiddhi selaku Direktur Utama meraih
penghargaan untuk tahun kedua berturut-turut sebagai Top
Young CEO 2023 dan Bapak Viktor Ebenheizer Fanggiadae
selaku Direktur Kepatuhan dan Legal meraih penghargaan
Future Leader dari Info Bank.
Ms. Kasemsri Charoensiddhi, as President Director, won the
Top Young CEO 2023 award for the second year in a row,
and Mr. Viktor Ebenheizer Fanggiadae, as Compliance and
Legal Director, won the Future Leader award from Info Bank.
PT Bank Maspion Indonesia Tbk
Integated Report 2024 23
Page 24
Laporan kepada Pemangku Kepentingan
Report to Stakeholders
PT Bank Maspion Indonesia Tbk
24 Laporan Tahunan Terintegrasi 2024
Page 25
PT Bank Maspion Indonesia Tbk
Integated Report 2024 25
Page 26
Laporan kepada Pemangku Kepentingan
Report to Stakeholders
Laporan Dewan Komisaris
Board of Commisioners Report
Dewan Komisaris berpendapat bahwa Direksi telah berupaya
optimal untuk mencapai target usaha. Dewan Komisaris
mengapresiasi berbagai inisiatif strategis yang diambil oleh
Direksi di tengah semua tantangan yang ada.
The Board of Commissioners believes that the Board of
Directors made optimal efforts to achieve business targets.
We appreciate the strategic initiatives undertaken by the
Board of Directors amidst various challenges.
Chat Luangarpa
Komisaris Utama | President Commissioner
Para pemegang saham dan pemangku kepentingan yang Respected Shareholders and Stakeholders,
kami hormati,
Kami panjatkan puji dan syukur kepada Tuhan Yang Maha Esa We extend our praise and gratitude to God Almighty for all
atas segala pencapaian dan keberhasilan yang dapat diraih the achievements and successes attained by Bank Maspion
Bank Maspion selama tahun 2024. Dewan Komisaris melihat throughout 2024. The Board of Commissioners observes that
Bank Maspion telah melewati dan mengatasi berbagai tantangan Bank Maspion has successfully navigated and overcome
di sepanjang tahun 2024 dengan mengambil langkah-langkah various challenges during 2024 by taking strategic steps
strategis yang mengarah pada pertumbuhan yang berkelanjutan. geared toward sustainable growth. On this meaningful occasion,
Pada kesempatan yang baik ini, Dewan Komisaris mengambil the Board of Commissioners would like to summarize the
kesempatan untuk merangkum pencapaian-pencapaian penting Bank’s key accomplishments and provide in-depth perspectives
serta memberikan pandangan yang mendalam tentang strategi, on its strategies, financial performance, business outlook,
kinerja keuangan, prospek usaha, dan komitmen terhadap tata and commitment to good corporate governance.
kelola perusahaan yang baik.
Dewan Komisaris juga memberikan apresiasi kepada Direksi The Board of Commissioners also expresses its appreciation
yang mampu mempertahankan dan memberikan kinerja yang to the Board of Directors for maintaining and delivering solid
baik di tengah ketidakpastian pasar keuangan global di performance amidst ongoing uncertainty in global financial
sepanjang tahun 2024 yang terus berlanjut seiring berbagai markets throughout 2024, as the world continues to face
gejolak ekonomi, pasar keuangan dan konflik politik global economic volatility, financial market instability, and geopolitical
termasuk prospek kebijakan perdagangan AS. conflicts—including prospects of U.S. trade policy developments.
PT Bank Maspion Indonesia Tbk
26 Laporan Tahunan Terintegrasi 2024
Page 27
Kondisi Ekonomi 2024 Economic Conditions in 2024
Di tengah berbagai tekanan ekonomi global, tahun 2024 Amidst various global economic pressures, 2024 stands as
menjadi bukti bahwa fondasi ekonomi Indonesia tetap tangguh. proof of Indonesia's resilient economic foundation. With a
Dengan laju pertumbuhan Produk Domestik Bruto (PDB) yang Gross Domestic Product (GDP) growth rate of 5.1%, the country
mencapai 5,1%, Indonesia berhasil mempertahankan momentum successfully maintained its economic recovery momentum
pemulihan dan stabilitas ekonomi. Kinerja ini tidak lepas dari and overall stability. This performance was largely driven by
peran konsumsi domestik yang tetap menjadi motor utama strong domestic consumption, reflecting solid purchasing
penggerak pertumbuhan, memperlihatkan daya beli masyarakat power and continued public confidence in the national economy.
yang solid dan kepercayaan terhadap kondisi perekonomian
nasional.
Tingkat inflasi yang terkendali pada 1,57% menjadi salah satu Controlled inflation at 1.57% was one of the key achievements,
pencapaian utama, memberikan stabilitas harga dan offering price stability and boosting public confidence in the
meningkatkan kepercayaan masyarakat terhadap pengelolaan management of the national economy. Additionally, a trade
ekonomi nasional. Selain itu, surplus perdagangan sebesar surplus of USD 31.04 billion reflected positive export
$31,04 miliar menjadi bukti kinerja positif sektor ekspor, performance, despite a slowdown in several leading
meskipun terjadi perlambatan pada beberapa komoditas commodities. Supportive monetary policy, such as a benchmark
unggulan. Kebijakan moneter yang mendukung, seperti interest rate cut to 5.75%, further strengthened the investment
penurunan suku bunga acuan menjadi 5,75%, semakin climate and boosted business sectors.
memperkuat iklim investasi dan memberikan dorongan bagi
sektor usaha.
Pada sektor perbankan, kredit berhasil tumbuh sebesar 10,39% In the banking sector, credit grew by 10.39% (YoY) by the end
(yoy) hingga akhir tahun 2024, melanjutkan tren positif dari of 2024, continuing the positive trend from the previous year.
tahun sebelumnya. Kredit investasi dan kredit modal kerja Investment loans and working capital loans also showed solid
juga menunjukkan pertumbuhan yang solid, masing-masing growth of 13.62% and 8.35% (YoY), respectively. This credit
sebesar 13,62 % (yoy) dan 8,35 (yoy). Pertumbuhan kredit ini growth was accompanied by maintained credit quality, as
disertai dengan kualitas kredit yang tetap terjaga, sebagaimana reflected by a stable gross Non-Performing Loan (NPL) ratio
terlihat dari rasio Non-Performing Loan (NPL) gross yang stabil of 2.20% as of December 2024, while the net NPL ratio stood
di angka 2,20% per Desember 2024, sementara rasio NPL at 0.77%. Bank liquidity also remained strong, with the Liquid
net berada di 0,77%. Likuiditas perbankan juga menunjukkan Assets to Third-Party Funds (LA/TPF) ratio maintained at
posisi yang kokoh, dengan rasio Alat Likuid terhadap Dana 25.59% as of the end of December 2024.
Pihak Ketiga (AL/DPK) yang terjaga di 25,59% pada akhir
Desember 2024.
Capaian ini mencerminkan pengelolaan risiko yang efektif These achievements reflect effective risk management and
serta dukungan dari kebijakan moneter yang akomodatif, supportive monetary policies, allowing the banking sector to
sehingga sektor perbankan mampu berperan signifikan dalam significantly contribute to national economic growth throughout
menopang pertumbuhan ekonomi nasional sepanjang 2024. 2024.
Namun demikian, ekonomi Indonesia masih menghadapi Nonetheless, Indonesia’s economy still faces challenges that
tantangan yang perlu diatasi untuk mencapai pertumbuhan must be addressed to ensure sustainable growth. High reliance
berkelanjutan. Ketergantungan yang tinggi pada konsumsi on domestic consumption makes the economy more vulnerable
domestik menjadikan ekonomi lebih rentan terhadap gejolak to internal shocks, while external uncertainties—such as global
internal, sementara ketidakpastian eksternal, seperti perlambatan economic slowdown and geopolitical tensions—continue to
ekonomi global dan ketegangan geopolitik, terus memengaruhi impact trade and investment performance. On the other hand,
kinerja perdagangan dan investasi. Di sisi lain, peluang besar major opportunities lie in the government’s commitment to
terletak pada komitmen pemerintah untuk mendorong drive digital transformation and strengthen the green economy.
transformasi digital dan penguatan ekonomi hijau. Investasi Investments in renewable energy and technological innovation
pada sektor energi terbarukan dan inovasi teknologi menjadi are becoming key foundations for inclusive and sustainable
fondasi penting bagi pertumbuhan ekonomi jangka panjang long-term economic growth.
yang inklusif dan berkelanjutan.
PT Bank Maspion Indonesia Tbk
Integated Report 2024 27
Page 28
Laporan kepada Pemangku Kepentingan
Report to Stakeholders
Dengan sinergi yang kuat antara pemerintah, sektor swasta, With strong synergy between the government, private sector,
dan masyarakat, Indonesia berada di jalur yang tepat untuk and society, Indonesia is on the right track to meet challenges
menghadapi tantangan sekaligus memanfaatkan peluang di and seize opportunities in the years to come. The year 2024
tahun-tahun mendatang. Tahun 2024 bukan hanya tentang was not only about maintaining stability but also about laying
menjaga stabilitas, tetapi juga tentang meletakkan fondasi the foundation for greater transformation in the future.
bagi transformasi yang lebih besar untuk di masa mendatang.
Penilaian terhadap Kinerja Direksi Tahun Assessment of the Board of Directors'
2024 Performance in 2024
Dewan Komisaris berpendapat bahwa Direksi telah berupaya The Board of Commissioners believes that the Board of
optimal untuk mencapai target usaha. Dewan Komisaris Directors made optimal efforts to achieve business targets.
mengapresiasi berbagai inisiatif strategis yang diambil oleh We appreciate the strategic initiatives undertaken by the
Direksi di tengah semua tantangan yang ada. Board of Directors amidst various challenges.
Hal ini terlihat dari pertumbuhan pendapatan bunga bersih This is evident from the Bank’s 33.98% growth in net interest
Bank yaitu 33,98% atau sebesar Rp180.708 juta, yang income—equivalent to IDR 180,708 million—driven by higher
disebabkan oleh peningkatan pendapatan bunga yang lebih interest income compared to the increase in interest expenses
tinggi dari peningkatan beban bunga selama tahun 2024 throughout 2024, aligned with the rise in productive assets.
seiring dengan kenaikan aset produktif.
Dalam hal Liabilitas, Bank Maspion berhasil bertumbuh dengan In terms of liabilities, Bank Maspion recorded solid growth of
baik sebesar Rp2.898.158 juta atau 22,39% di tahun 2024. IDR 2,898,158 million or 22.39% in 2024. This increase was
Kenaikan ini berasal dari kenaikan giro dan deposito. Total primarily driven by current accounts and time deposits. Current
pertumbuhan giro meningkat dari Rp917.440 juta pada periode accounts grew from IDR 917,440 million in the previous period
sebelumnya menjadi Rp1.945.491 juta ditahun 2024, to IDR 1,945,491 million in 2024, marking a 112.06% growth.
mencerminkan pertumbuhan sebesar 112,06%. Adapun Meanwhile, time deposits increased by IDR 1,223,481 million,
peningkatan deposito berjangka sebesar Rp1.223.481 juta contributed by a rise in customer fund placements, with Rupiah
disebabkan oleh kenaikan penempatan dana dari nasabah, deposits up by IDR 1,188,468 million and USD deposits up by
dimana deposito Rupiah meningkat sebesar Rp1.188.468 juta IDR 35,013 million. This growth was supported by competitive
dan deposito USD meningkat sebesar Rp35.013 juta. interest rates and attractive bundling programs offered to
Pertumbuhan ini didukung oleh penawaran tingkat suku bunga customers.
bank yang cukup kompetitif serta program bundling yang
ditawarkan menarik bagi para nasabah.
Peningkatan giro dan deposito mencerminkan meningkatnya The growth in current accounts and time deposits reflects
aktivitas transaksi nasabah serta kepercayaan yang tinggi increased customer transaction activity and trust in the Bank’s
terhadap layanan perbankan, sekaligus menunjukkan preferensi services, as well as a preference for safer instruments with
nasabah untuk menyimpan dana dalam instrumen yang lebih attractive returns.
aman dengan tingkat pengembalian yang menarik.
Jumlah pengguna aplikasi digital Bank Maspion terus The number of Bank Maspion digital application users continued
menunjukkan tren pertumbuhan positif dibandingkan tahun to show a positive trend compared to the previous year. In
sebelumnya. Sepanjang tahun 2024, total pengguna Internet 2024, the total number of Internet Banking users reached
Banking mencapai 8.186 nasabah, mencatatkan pertumbuhan 8,186, reflecting 2.03% YoY growth. Meanwhile, transaction
sebesar 2,03% YoY. Sementara itu, volume transaksi melalui volume through digital services grew by 21.33% YoY. This
layanan digital pun mengalami kenaikan sebesar 21,33% YoY. increase reflects strong customer confidence in utilizing digital
Peningkatan ini mencerminkan tingginya kepercayaan nasabah banking services to fulfill their financial transaction needs.
dalam memanfaatkan layanan perbankan digital untuk
memenuhi kebutuhan transaksi keuangan.
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28 Laporan Tahunan Terintegrasi 2024
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Pengawasan terhadap Perumusan dan Oversight of the Formulation and
Implementasi Strategi Bank Tahun 2024 Implementation of Bank Strategy in
2024
Dewan Komisaris mengakui pentingnya menjaga kewaspadaan The Board of Commissioners acknowledges the importance
dan fleksibilitas dalam menghadapi dinamika ekonomi global of maintaining vigilance and flexibility in navigating global
yang tidak pasti. Oleh karena itu, Dewan Komisaris terus economic uncertainty. Therefore, we consistently encourage
mendorong Bank Maspion untuk mengimplementasikan Bank Maspion to implement adaptive strategies and prudent
strategi yang adaptif serta penerapan manajemen risiko risk management to ensure alignment and consistency
dengan bijak agar tercipta kesesuaian dan konsistensi between business activities and the Bank’s business plan,
pelaksanaan kegiatan usaha Bank dengan rencana bisnis, as well as the implementation of Good Corporate Governance
serta implementasi prinsip Tata Kelola Perusahaan yang baik (GCG) principles across all organizational units. This commitment
atau Good Corporate Governance (GCG) pada seluruh unit is reflected in the 11 (eleven) joint meetings between the
organisasi. Hal tersebut tercermin dalam rapat gabungan yang Commissioners and the Directors, and 13 (thirteen) internal
telah dilakukan oleh Komisaris dan Direksi dalam 11 (sebelas) Board of Commissioners meetings held throughout 2024.
kali rapat dan 13 (tiga belas) kali Rapat Internal Dewan Komisaris
di sepanjang tahun 2024.
Dewan Komisaris dalam memastikan bahwa strategi telah To ensure that strategies were aligned with the Bank’s vision,
dijalankan sesuai dengan visi dan misi Bank serta RBB, telah mission, and RBB, the Board of Commissioners provided input
memberikan masukan dan rekomendasi kepada Direksi dalam and recommendations to the Board of Directors on the
perumusan dan pelaksanaan strategi Bank di selama tahun following:
2024 sebagai berikut;
• Memantau serta mengevaluasi perubahan yang berkaitan • Monitoring and evaluating changes related to the
dengan sistem Teknologi Informasi (TI) serta pengelolaan Information Technology (IT) system and Human
Sumber Daya Manusia (SDM). Transformasi ini bertujuan Resource (HR) management. This transformation aimed
untuk Meningkatkan efisiensi operasional dan to improve operational efficiency while prioritizing
memprioritasikan system security and reliability untuk system security and reliability for customers.
nasabah bank
• Menjalankan fungsi pengawasan, Dewan Komisaris • In fulfilling its supervisory role, the Board of
memastikan bahwa langkah-langkah kepatuhan, audit, Commissioners ensured that compliance, audit, and
dan manajemen risiko diterapkan secara optimal. risk management measures were optimally implemented.
Pendekatan berbasis prinsip kehati-hatian menjadi A prudential approach remained the top priority to
prioritas utama guna menjaga stabilitas dan kesehatan maintain the Bank’s stability and health amid dynamic
Bank di tengah tantangan industri yang dinamis sesuai industry conditions, in line with GCG principles.
dengan prinsip tata kelola perusahaan yang baik
Bank telah menerapkan pengawasan yang komprehensif The Bank has applied comprehensive oversight focused on
dengan menitikberatkan pada identifikasi serta mitigasi risiko, risk identification and mitigation, while strengthening strategic
sekaligus memperkuat langkah-langkah strategis demi menjaga actions to maintain internal control effectiveness amid industry
efektivitas pengendalian internal dalam menghadapi tantangan dynamics. This approach is intended to protect assets, prevent
industri yang dinamis. Pendekatan ini bertujuan untuk melindungi potential fraud, and ensure compliance with applicable
aset, mencegah potensi kecurangan, serta memastikan regulations. Additionally, the Bank continues to monitor digital
kepatuhan terhadap regulasi yang berlaku. Selain itu, Bank transformation developments and prioritize IT security as part
terus memantau perkembangan transformasi digital dan of its business foundation strengthening, by adopting the ISO
mengutamakan aspek keamanan IT sebagai bagian dari 27001-aligned Information Security Management System to
penguatan fundamental bisnis dengan mengadopsi Sistem safeguard banking data and systems from cyber threats.
Manajemen Keamanan Informasi sesuai standar ISO 27001,
guna memastikan perlindungan data dan sistem perbankan
dalam mengantisipasi dari ancaman siber.
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Integated Report 2024 29
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Laporan kepada Pemangku Kepentingan
Report to Stakeholders
Adapun untuk menjaga kualitas kredit dan mengurangi risiko To maintain credit quality and minimize emerging risks, the
yang mungkin timbul, penyempurnaan proses kredit secara Bank has consistently refined its credit processes to enhance
menyeluruh terus dilakukan guna meningkatkan efektivitas risk management effectiveness and ensure the implementation
manajemen risiko serta memastikan penerapan praktik of prudent and sustainable banking practices.
perbankan yang lebih berhati-hati dan berkelanjutan.
Pandangan Atas Prospek Usaha yang Outlook on the Business Prospects
Disusun Oleh Direksi [GRI 2-13] Prepared by the Board of Directors [GRI 2-13]
Memasuki tahun 2025, ekonomi Indonesia diproyeksikan Entering 2025, Indonesia’s economy is projected to grow by
tumbuh sebesar 5,1% menurut World Bank, didukung oleh 5.1%, according to the World Bank, supported by policy reforms,
reformasi kebijakan, digitalisasi, dan investasi di sektor strategis. digitalization, and investment in strategic sectors. However,
Namun, tantangan global tetap ada seperti perlambatan global challenges remain, including economic slowdown,
ekonomi, ketidakpastian geopolitik, serta fluktuasi harga geopolitical uncertainties, and commodity price fluctuations,
komoditas dapat memengaruhi stabilitas keuangan dan aliran which may affect financial stability and investment flows. To
investasi. Untuk mengantisipasi hal ini, Bank perlu menerapkan anticipate these risks, the Bank must adopt flexible, data-
strategi bisnis yang fleksibel dan berbasis data guna menjaga driven business strategies to maintain competitiveness and
daya saing dan ketahanan finansial. Pemahaman mendalam financial resilience. A deep understanding of economic trends
mengenai tren ekonomi dan risiko global maupun Nasional and global/national risks is crucial for sustainable planning.
menjadi aspek krusial dalam perencanaan yang berkelanjutan.
Oleh karena ini Bank Maspion dalam menghadapi tantangan To face the opportunities and challenges in the banking
dan peluang di industri perbankan, merancang dan industry, Bank Maspion has designed and implemented
menginplementasikan strategi-strategi yang tertuang dalam strategies outlined in its RBB and Sustainable Finance Action
RBB, serta Rencana Aksi Keuangan Berkelanjutan (RAKB). Plan (RAKB). The implementation of these strategies reflects
Implementasi strategi tersebut mencerminkan pendekatan a mature and measured approach, focusing on maintaining
yang matang dan terukur. Dengan berfokus pada menjaga liquidity stability, enhancing operational and credit risk
kestabilan likuiditas, meningkatkan mitigasi risiko operasional mitigation, ensuring healthy credit growth, and maintaining
& risiko kredit, menjaga pertumbuhan kredit yang sehat serta stable financial ratios—forming strategic steps to ensure
menjaga rasio keuangan yang stabil menjadi langkah strategis long-term sustainable growth.
untuk memastikan pertumbuhan yang berkelanjutan.
Pandangan Atas Penerapan Tata Kelola View on the Implementation of Bank
Bank Governance
Dewan Komisaris meyakini bahwa penerapan Tata Kelola The Board of Commissioners believes that implementing
Perusahaan yang Baik (GCG) akan mengarahkan dan mengelola Good Corporate Governance (GCG) effectively guides and
Bank untuk mencapai kemajuan usaha dan akuntabilitas. Pada manages the Bank toward business progress and accountability.
akhirnya implementasi GCG yang selaras dengan best practice In the long run, GCG implementation aligned with best practices
akan mampu menciptakan nilai korporasi secara berkelanjutan will create long-term corporate value while considering the
dengan tetap memerhatikan kepentingan para pemangku interests of all stakeholders.
kepentingan lainnya.
Adapun dasar penerapan GCG Bank Maspion yang diwujudkan Bank Maspion’s GCG foundation is reflected in its daily
dalam praktik bisnis Bank sehari-hari, merujuk kepada 5 prinsip business practices, which adhere to the five core principles
dasar aspek Tata Kelola, yaitu Transparansi, Akuntabilitas, of governance: Transparency, Accountability, Responsibility,
Responsilitas, Independensi, dan Kewajaran. Independence, and Fairness.
Dengan adanya 5 prinsip dasar tersebut, Bank menjadi With these five core principles, the Bank has become a
perusahaan yang berhasil dan andal dalam mengimplementasikan successful and trusted institution in implementing good
tata kelola Perusahaan yang baik sekaligus mengeksekusi corporate governance while executing sustainability strategies
PT Bank Maspion Indonesia Tbk
30 Laporan Tahunan Terintegrasi 2024
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strategi sustainability guna memberi nilai tambah bagi bisnis that add value to the business and stakeholders. It also acts
dan pemangku kepentingan (stakeholders) serta menjadi as a driver in strengthening real actions and commitment to
salah satu pendorong untuk meningkatkan tindakan nyata sustainability.
dan komitmen dalam aspek keberlanjutan.
Penilaian Kinerja Komite di Bawah Assessment of Committee Performance
Dewan Komisaris Under the Board of Commissioners
Sebagai bagian integral dari sistem pengawasan dan tata As an integral part of the Bank’s supervision and governance
kelola perusahaan, komite-komite di bawah Dewan Komisaris system, the committees under the Board of Commissioners—
yakni Komite Audit, Komite Pemantau Risiko, serta Komite namely the Audit Committee, Risk Monitoring Committee, and
Nominasi dan Remunerasi, memainkan peran strategis dalam the Nomination and Remuneration Committee—played strategic
memastikan efektivitas pengawasan serta pemberian arahan roles in ensuring effective oversight and providing guidance
kepada Direksi. Keberadaan komite-komite ini tidak hanya to the Board of Directors. These committees not only provided
memberikan masukan yang komprehensif bagi Dewan Komisaris the Board of Commissioners with comprehensive insights into
dalam memahami berbagai aspek permasalahan secara lebih various issues but also offered well-considered solution options
mendalam, tetapi juga menawarkan pilihan solusi yang dapat for the Board of Directors to evaluate in decision-making
dikaji lebih lanjut sebelum disampaikan kepada Direksi untuk processes.
dipertimbangkan dalam pengambilan keputusan.
Dalam memastikan efektivitas peran dan tanggung jawabnya, To ensure the effectiveness of their roles and responsibilities,
Dewan Komisaris secara berkala mengevaluasi kinerja setiap the Board of Commissioners regularly evaluates the performance
komite. Evaluasi ini bertujuan untuk menilai efisiensi dan of each committee. This evaluation aims to assess the efficiency
efektivitas pelaksanaan tugas mereka, serta mengidentifikasi and effectiveness of their task execution, as well as to identify
area yang memerlukan perbaikan agar komite-komite tersebut areas that require improvement so that the committees can
dapat terus memberikan kontribusi optimal bagi Bank. Melalui continue to contribute optimally to the Bank. Through in-depth
analisis yang mendalam, Dewan Komisaris dapat memastikan analysis, the Board of Commissioners can ensure that each
bahwa setiap komite menjalankan tugasnya sesuai dengan committee performs its duties in accordance with good
standar tata kelola Perusahaan yang baik. corporate governance standards.
Pada tahun 2024, hasil evaluasi Dewan Komisaris menunjukkan In 2024, the Board of Commissioners’ evaluation showed
bahwa Komite Audit, Komite Pemantau Risiko, serta Komite that the Audit Committee, Risk Monitoring Committee, and
Nominasi dan Remunerasi telah berfungsi dengan baik dalam Nomination and Remuneration Committee performed well in
mendukung pengawasan strategis Bank. Ketiga komite ini supporting the Bank’s strategic oversight. These committees
secara konsisten mencapai target program kerja mereka dan consistently met their work program targets and made significant
memberikan kontribusi signifikan terhadap efektivitas tata contributions to the Bank’s governance effectiveness.
kelola perusahaan.
Lebih dari sekadar memastikan kinerja yang optimal, Dewan Beyond ensuring optimal performance, the Board of
Komisaris juga secara aktif mengawasi serta memberikan Commissioners also actively supervised and provided
rekomendasi berdasarkan temuan dan pemantauan yang recommendations based on the findings and monitoring
dilakukan oleh ketiga komite tersebut. Langkah ini mencerminkan conducted by these three committees. This reflects the Board’s
komitmen Dewan Komisaris dalam memperkuat praktik tata commitment to strengthening transparent and accountable
kelola yang transparan dan akuntabel guna mendukung governance practices to support the Bank’s growth and
pertumbuhan dan stabilitas Bank dalam menghadapi dinamika stability amid an evolving financial industry landscape.
industri keuangan yang terus berkembang.
PT Bank Maspion Indonesia Tbk
Integated Report 2024 31
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Laporan kepada Pemangku Kepentingan
Report to Stakeholders
Perubahan Komposisi Dewan Komisaris Changes in the Composition of the
di Tahun 2024 Board of Commissioners in 2024
Di tahun 2024 Dewan Komisaris Perseroan tidak mengalami In 2024, there were no changes to the composition of the
perubahan, per 31 Desember 2024 anggota Dewan Komisaris Board of Commissioners. As of December 31, 2024, the Board
Perseroan berjumlah lima (5) orang yang terdiri 1 (satu) orang consisted of five (5) members, comprising one (1) President
Komisaris Utama, 1 (satu) orang anggota Komisaris, dan 3 (tiga) Commissioner, one (1) Commissioner, and three (3) Independent
orang Komisaris Independen. Seluruh anggota Dewan Komisaris Commissioners. All members are professionals with diverse
merupakan para profesional dengan latar belakang pendidikan, educational backgrounds, expertise, and experience.
keahlian dan pengalaman yang berbeda. Komposisi Dewan Composition of the Board of Commissioners as of December
komisaris per 31 Desember 2024 adalah sebagai berikut: 31, 2024:
Komisaris Utama : Chat Luangarpa President Commissioner : Chat Luangarpa
Komisaris : Diana Alim Commissioner : Diana Alim
Komisaris Independen : Alan Jenviphakul Independent Commissioner: Alan Jenviphakul
Komisaris Independen : Pardi Kendy Independent Commissioner: Pardi Kendy
Komisaris Independen : M. Pujiono Santoso Independent Commissioner: M. Pujiono Santoso
Apresiasi dan Penutup Appreciation and Closing
Sebagai penutup, izinkan kami menyampaikan apresiasi In closing, allow us to express our deepest appreciation to
kepada pemegang saham dan pemangku kepentingan atas the shareholders and stakeholders for the trust and support
kepercayaan dan dukungan yang diberikan selama ini. Apresiasi extended thus far. Our sincere gratitude also goes to the
dan penghargaan yang terdalam juga kami tujukan kepada Board of Directors, management team, and all employees
segenap Direksi, jajaran Manajemen dan seluruh karyawan for their hard work and dedication in developing Bank Maspion
atas kerja keras serta dedikasi dalam upaya pengembangan for the better.
Bank Maspion menjadi lebih baik lagi.
Besar harapan agar sinergi ini dapat terjalin dengan lebih baik We sincerely hope this synergy will continue to grow stronger
ke depannya, sehingga Bank Maspion mampu mencapai in the future, enabling Bank Maspion to achieve even better
pertumbuhan kinerja yang lebih baik lagi dan menciptakan performance and create sustainable value for customers,
nilai keberlanjutan bagi para nasabah, mitra bisnis maupun business partners, and other stakeholders.
pemangku kepentingan lainnya.
Atas nama Dewan Komisaris
On Behalf of the Board of Commissioners
Chat Luangarpa
Komisaris Utama
President Commissioner
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32 Laporan Tahunan Terintegrasi 2024
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Halaman Ini Sengaja Dikosongkan
This Page Is Intentionally Left Blank
PT Bank Maspion Indonesia Tbk
Integated Report 2024 33
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Laporan kepada Pemangku Kepentingan
Report to Stakeholders
Laporan Direksi
Board of Directors Report [OJK D.1][GRI 2-22]
Bank berkomitmen untuk membangun pengalaman nasabah
yang unggul melalui optimisasi proses, pengembangan
produk digital yang inovatif, dan penyempurnaan kebijakan
untuk memenuhi kebutuhan pasar yang semakin kompleks.
The Bank is committed to building an excellent customer
experience through process optimization, development of
innovative digital products, and refinement of policies to meet
the increasingly complex market demands.
Kasemsri Charoensiddhi
Direktur Utama | President Director
Para pemegang saham dan pemangku kepentingan yang Respected Shareholders and Stakeholders,
kami hormati,
Puji dan syukur kami panjatkan kepada Tuhan Yang Maha We extend our praise and gratitude to God Almighty for His
Esa atas segala rahmat, berkah, dan kesempatan yang diberikan- grace, blessings, and the opportunities granted to Bank
Nya kepada Bank Maspion disepanjang tahun 2024 yang Maspion throughout 2024—a year filled with challenges, yet
merupakan tahun penuh tantangan, namun juga penuh peluang also abundant with opportunities. Through dedication, hard
bagi Bank Maspion. Dengan dedikasi, kerja keras dan kolaborasi work, and collaboration among the Board of Directors, Board
antara Direksi, Dewan Komisaris, jajaran manajemen, dan of Commissioners, management, and all employees, Bank
seluruh karyawan, Bank Maspion berhasil mengatasi berbagai Maspion has successfully overcome various obstacles, turning
tantangan sehingga dapat dijadikan momentum positif untuk them into positive momentum to continue growing and
terus tumbuh dan berkembang. advancing.
Pada kesempatan yang baik ini, izinkan saya mewakili jajaran On this meaningful occasion, allow me, on behalf of the Board
Direksi menyampaikan laporan kinerja Bank Maspion untuk of Directors, to present the 2024 performance report of Bank
tahun buku 2024 untuk memberikan gambaran komprehensif Maspion, offering a comprehensive overview of the Bank's
tentang perjalanan Bank Maspion dalam menghadapi dinamika journey in navigating the complex and evolving financial
pasar keuangan yang kompleks dan berkembang. Dalam market landscape. This report outlines the Bank’s achievements,
laporan ini, kami menguraikan pencapaian-pencapaian yang implemented strategies, business outlook, and the application
diraih Bank Maspion, strategi-strategi yang diterapkan, prospek of good corporate governance (GCG) and sustainable finance
usaha ke depan, serta penerapan GCG dan keuangan principles.
berkelanjutan.
PT Bank Maspion Indonesia Tbk
34 Laporan Tahunan Terintegrasi 2024
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Kondisi Perekonomian Tahun 2024 Economic Conditions in 2024
Tahun 2024 diwarnai oleh meningkatnya ketidakpastian global The year 2024 was marked by increasing global uncertainty
akibat perlambatan ekonomi dunia, kebijakan perdagangan caused by the global economic slowdown, U.S. protectionist
proteksionis AS, serta ketegangan geopolitik. Penguatan dolar trade policies, and rising geopolitical tensions. The strengthening
AS dan tingginya yield US Treasury menyebabkan pelemahan of the U.S. dollar and high U.S. Treasury yields led to the
mata uang negara berkembang serta menahan aliran modal depreciation of emerging market currencies and restrained
asing. Kondisi ini menuntut respons kebijakan yang adaptif foreign capital inflows. These conditions demanded adaptive
bagi negara-negara berkembang, termasuk Indonesia. policy responses from developing countries, including Indonesia.
Di tengah tantangan eksternal, ekonomi Indonesia tetap stabil Amid external challenges, Indonesia’s economy remained
dengan pertumbuhan 5,03%, ditopang oleh investasi dan stable, recording a growth of 5.02%, supported by strong
konsumsi domestik. Inflasi terkendali di 1,57%, meskipun nilai investment and domestic consumption. Inflation was under
tukar Rupiah melemah 4,65%. Ketahanan sistem keuangan control at 1.57%, although the Rupiah depreciated by 4.65%.
tetap terjaga dengan likuiditas perbankan yang kuat (AL/DPK The financial system’s resilience was maintained, with strong
25,59%), rasio kecukupan modal yang tinggi (CAR 26,69%), banking liquidity (Liquid Asset to Third-Party Funds ratio at
serta rasio NPL yang rendah (2,08% bruto, 0,74% neto). 25.59%), a high capital adequacy ratio (CAR at 26.69%), and
low non-performing loan (NPL) ratios (gross at 2.08% and net
at 0.74%).
Kredit perbankan di Indonesia tumbuh positif di 10,39%, Bank lending in Indonesia grew positively by 10.39%, supported
didukung oleh keberlanjutan penyaluran dana oleh perbankan by the continued distribution of funds by banks and the growth
dan pertumbuhan simpanan. Kredit modal kerja mencatat of deposits. Working capital loans recorded growth of 8.35%,
pertumbuhan 8,35%, kredit investasi 13,62%, dan kredit investment loans 13.62%, and consumer loans 10.61%, while
konsumsi 10,61%, sementara pembiayaan syariah naik 9,87% sharia financing rose 9.87% and MSME loans grew 3.37%. On
dan kredit UMKM tumbuh 3,37 %. Di sisi lain, Dana Pihak Ketiga the other hand, Third Party Funds (DPK) showed positive
(DPK) menunjukkan pertumbuhan positif sebesar 4,48% secara growth of 4.48% on an annual basis (yoy). This growth was
tahunan (yoy). Pertumbuhan ini didorong oleh peningkatan driven by increases in all major components, namely demand
pada seluruh komponen utama, yaitu giro yang tumbuh sebesar deposits which grew by 3.34% yoy, savings by 6.78% yoy,
3,34% yoy, tabungan sebesar 6,78% yoy, serta deposito yang and time deposits which also recorded an increase of 3.50%
turut mencatatkan kenaikan sebesar 3,50% yoy. Hal ini yoy. This reflects the public's continued trust in the national
mencerminkan kepercayaan masyarakat yang tetap terjaga banking system.
terhadap sistem perbankan nasional.
Secara keseluruhan, meskipun menghadapi dinamika global Overall, despite facing challenging global dynamics, the
yang menantang, perekonomian Indonesia tetap kokoh dengan Indonesian economy remains strong with a solid financial
sistem keuangan yang solid dan prospek pertumbuhan yang system and optimistic growth prospects.
optimis.
Strategi dan Kebijakan Tahun 2024 Strategies and Policies in 2024
Di tahun 2024, Bank Maspion melanjutkan usaha untuk In 2024, Bank Maspion continued to strengthen its commitment
memperkuat komitmennya dalam beradaptasi di tengah to adapt to the dynamic shifts in the banking industry and
perubahan dinamis dalam industri perbankan serta tantangan global economic challenges. With a vision to become the
ekonomi global. Dengan visi untuk menjadi bank pilihan preferred bank for customers with regional connectivity, the
nasabah dengan konektivitas regional, Bank fokus pada Bank focused on strategic asset growth and credit portfolio
pertumbuhan aset dan ekspansi portofolio kredit secara expansion, digitalization enhancement, product diversification,
strategis, penguatan digitalisasi, diversifikasi produk, dan and business model simplification. The Bank is committed to
penyederhanaan model bisnis . Bank berkomitmen untuk building an excellent customer experience through process
membangun pengalaman nasabah yang unggul melalui optimization, development of innovative digital products, and
optimisasi proses, pengembangan produk digital yang inovatif, refinement of policies to meet the increasingly complex market
dan penyempurnaan kebijakan untuk memenuhi kebutuhan demands.
pasar yang semakin kompleks.
PT Bank Maspion Indonesia Tbk
Integated Report 2024 35
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Laporan kepada Pemangku Kepentingan
Report to Stakeholders
Melalui upaya penyesuaian model bisnis dan pengelolaan Through business model adjustments and prudent risk
risiko yang pruden, Bank Maspion menargetkan peningkatan management, Bank Maspion targeted substantial improvements
efisiensi operasional yang substansial sambil menjaga standar in operational efficiency while maintaining high prudential
kehati-hatian yang tinggi dalam mitigasi risiko. Bank telah standards in risk mitigation. The Bank established data-driven
menetapkan kebijakan risiko melalui SOP dan prosedur untuk risk policies to anticipate external volatility and ensure financial
mengantisipasi volatilitas eksternal dan memastikan stabilitas stability. This approach allows the Bank to build customer
keuangan. Pendekatan ini memungkinkan Bank untuk trust while maintaining long-term operational stability.
memperkuat kepercayaan nasabah sekaligus menjaga
kestabilan operasional dalam jangka panjang.
Selain itu, Bank Maspion telah menghadapi berbagai tantangan In addition, Bank Maspion faced several technological
termasuk dari sisi teknologi. Sebagai respons, Direksi telah challenges. In response, the Board of Directors took proactive
mengambil langkah proaktif untuk memperkuat infrastruktur measures to strengthen IT infrastructure, enhance security
IT, meningkatkan protokol keamanan, dan menerapkan proses protocols, and implement a more structured risk management
manajemen risiko yang lebih terstruktur. Langkah-langkah ini process. These actions not only ensure the full safety of
tidak hanya memastikan bahwa dana nasabah tetap aman customer funds but also reflect our commitment to transparency,
sepenuhnya, tetapi juga mencerminkan komitmen kami trust, and delivering the best service to our customers.
terhadap transparansi, kepercayaan, dan memberikan pelayanan
terbaik bagi nasabah.
Bank Maspion terus menunjukkan komitmen dalam pengelolaan Bank Maspion has also maintained its commitment to managing
kredit bermasalah sebagai bagian dari strategi manajemen non-performing loans as part of a prudent risk management
risiko yang pruden. Dengan pendekatan berbasis data, strategy. Using a data-driven approach, management has
manajemen secara aktif mengambil langkah untuk memitigasi actively taken steps to mitigate potential risks, improve the
potensi risiko, meningkatkan kualitas portofolio kredit, dan quality of the credit portfolio, and support sustainable growth.
mendukung pertumbuhan yang berkelanjutan. Upaya ini menjadi These efforts further reinforce customer confidence and long-
bagian untuk memperkuat kepercayaan nasabah sekaligus term operational resilience.
menjaga kestabilan operasional dalam jangka panjang.
Dengan strategi yang menyeluruh ini, Bank Maspion mengadopsi Through this comprehensive strategy, Bank Maspion adopts
keseimbangan antara inovasi dan prinsip kekehati-hatian a balanced approach between innovation and prudence,
untuk memastikan bahwa setiap inisiatif strategis selaras ensuring that every strategic initiative aligns with the goal of
dengan tujuan pertumbuhan yang berkelanjutan. Bank juga sustainable growth. The Bank also prioritizes internal talent
menempatkan pengembangan talenta internal sebagai prioritas development through continuous training programs and
utama, melalui program pelatihan yang berkelanjutan dan leadership development tailored to the future needs of the
pengembangan kepemimpinan yang disesuaikan dengan banking industry.
kebutuhan masa depan industri perbankan.
Dengan visi yang jelas dan strategi yang kuat, Bank Maspion With a clear vision and strong strategies, Bank Maspion is
mempersiapkan diri untuk menjadi bank pilihan di seluruh preparing to become the bank of choice across all market
segmen pasar, membangun kepercayaan nasabah, serta segments, building customer trust, and driving sustainable,
mendorong pertumbuhan berkelanjutan yang berdaya saing competitive growth in Indonesia’s banking sector.
tinggi di pasar perbankan Indonesia.
Peranan Direksi dalam Perumusan The Role of the Board of Directors in the
Strategi dan Kebijakan Tahun 2024 Formulation of Strategies and Policies in
2024
Setiap tahun, Direksi menyusun strategi dan kebijakan jangka Each year, the Board of Directors develops short- and medium-
pendek serta menengah dalam bentuk RBB yang selaras term strategies and policies in the form of the RBB, aligned
dengan visi dan misi yang telah ditetapkan. Dalam with the Bank’s established vision and mission. In its
implementasinya, Direksi bersama jajaran manajemen secara implementation, the Board of Directors, together with the
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berkala mengevaluasi strategi serta kebijakan Bank untuk management team, periodically evaluates the Bank’s strategies
memastikan relevansinya dengan perkembangan bisnis dan and policies to ensure their relevance to business developments
efektivitas penerapannya di seluruh level organisasi. and the effectiveness of their execution at all organizational
levels.
Direksi juga berperan aktif dalam memastikan bahwa seluruh The Board of Directors also plays an active role in ensuring
bagian organisasi memahami serta menerapkan strategi secara that all parts of the organization understand and consistently
konsisten di masing-masing unit bisnis, sekaligus mengawasi apply the strategies within their respective business units,
implementasinya agar tetap sejalan dengan tujuan dan target while also overseeing their implementation to ensure alignment
yang telah ditetapkan. with established goals and targets.
Selain itu, Direksi mendorong keterlibatan seluruh bagian Furthermore, the Board of Directors encourages the involvement
organisasi dalam menyampaikan ide dan inovasi yang dapat of all parts of the organization in contributing ideas and
mendukung pencapaian tujuan Bank. Dalam mengembangkan innovations that support the achievement of the Bank’s
target bisnis dan kebijakan strategis yang komprehensif, objectives. In developing comprehensive business targets
Direksi mempertimbangkan berbagai faktor, termasuk tren and strategic policies, the Board of Directors considers various
pasar, protokol manajemen risiko, serta kepentingan pemangku factors, including market trends, risk management protocols,
kepentingan, guna menetapkan arah kebijakan yang jelas and stakeholder interests, to establish clear policy directions
dan merumuskan jalur pertumbuhan yang berkelanjutan. and formulate sustainable growth pathways.
Dengan keterlibatan aktif dalam perumusan strategi dan Through its active involvement in strategy formulation and
pengambilan keputusan penting, Direksi memastikan bahwa key decision-making, the Board of Directors ensures that
setiap langkah yang diambil berfokus pada peningkatan kinerja every step taken is focused on enhancing performance and
serta menjaga kesehatan keuangan Bank secara optimal. fully maintaining the Bank’s financial health.
Proses yang Dilakukan Direksi untuk Process Undertaken by the Board of
Memastikan Implementasi Strategi dan Directors to Ensure the Implementation
Kebijakan Tahun 2024 of Strategies and Policies in 2024
Direksi Bank Maspion menerapkan proses yang terstruktur The Board of Directors of Bank Maspion implements a structured
dan disiplin untuk memastikan implementasi strategi dan and disciplined process to ensure the effective execution of
kebijakan Bank secara efektif di tahun 2024. Elemen-elemen the Bank's strategies and policies in 2024. Key elements of
kunci dari proses ini meliputi perencanaan strategis dan this process include strategic planning and goal setting;
penetapan sasaran; pengembangan dan persetujuan kebijakan; development and approval of policies; ongoing supervision
pengawasan dan pemantauan berkelanjutan; akuntabilitas di and monitoring; accountability across all levels of management
seluruh tingkat manajemen dan unit kerja; keselarasan dengan and work units; and alignment with stakeholder interests.
kepentingan pemangku kepentingan.
Dengan mengikuti elemen-elemen inti ini, Direksi dapat By adhering to these core elements, the Board can effectively
mendorong implementasi strategi secara efektif, sehingga drive the implementation of strategies, enabling Bank Maspion
Bank Maspion dapat mencapai hasil optimal dan mempertahankan to achieve optimal results and maintain its competitive position
posisinya yang kompetitif di pasar. in the market.
Pencapaian Kinerja dan Realisasi Target The Achievement of Performance and
2024 Target Realization in 2024
Implementasi strategi bisnis yang efektif telah membawa Bank The effective implementation of business strategies has led
Maspion meraih pencapaian kinerja yang baik pada tahun Bank Maspion to achieve strong performance in 2024, both
2024, dalam kinerja operasional maupun keuangan. Meskipun operationally and financially. Although there is still room for
masih terdapat ruang untuk peningkatan, Bank Maspion improvement, Bank Maspion successfully navigated emerging
berhasil menavigasi tantangan yang mengemuka dengan challenges with targeted and appropriate responses. The
tepat sasaran. Langkah-langkah strategis yang diambil Bank Bank’s strategic initiatives—from enhancing service quality
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Maspion, mulai dari peningkatan layanan hingga kerja sama to fostering strong partnerships—have positively contributed
yang kuat dengan mitra, telah memberikan dampak positif to the overall performance results of Bank Maspion.
pada hasil kinerja Bank Maspion secara keseluruhan.
Pada tahun 2024, Bank Maspion telah meluncurkan platform In 2024, Bank Maspion launched its latest mobile banking
mobile banking terbaru yang dilengkapi dengan proses digital platform, equipped with a more efficient digital onboarding
onboarding yang lebih efisien serta fitur verifikasi biometrik process and biometric verification features to ensure secure
guna memastikan akses nasabah yang aman dan praktis. and seamless customer access. In addition, the Bank continued
Selain itu, Bank terus memperluas layanan Maspion QR untuk to expand its Maspion QR services to support high-speed
mendukung transaksi domestik maupun lintas batas dengan domestic and cross-border transactions, offering comprehensive
kecepatan tinggi, memberikan solusi yang komprehensif bagi solutions for the needs of high-frequency retail and merchant
kebutuhan transaksi ritel dan merchant dengan frekuensi transactions. This effort aligns with the Bank's commitment
tinggi. Upaya ini sejalan dengan komitmen Bank dalam to strengthening its digital banking capabilities in response
meningkatkan kapabilitas perbankan digital untuk merespons to the fast-evolving market dynamics and digital technology
dinamika pasar dan perkembangan teknologi digital yang advancements.
semakin pesat.
Adapun kinerja Bank menunjukkan perkembangan yang positif The Bank’s performance showed positive developments in
dari penghimpunan dana maupun penyaluran kredit. both fund collection and credit distribution. Third-party funds
Penghimpunan dana pihak ketiga mengalami pertumbuhan, recorded growth, particularly in the demand deposit segment,
terutama pada segmen giro yang mencatat pertumbuhan which increased by 112.06% year-on-year (YoY), from Rp917,440
sebesar 112,06%, dari Rp917.440 juta menjadi Rp1.945.491 million to Rp1,945,491 million. Time deposits also increased
juta (YoY). Dana deposito turut mengalami peningkatan by Rp1,223,481 million, supported by higher fund placements
sebesar Rp1.223.481 juta, yang ditopang dari peningkatan from customers, with the largest contributions coming from
penempatan dana oleh nasabah, dengan kontribusi terbesar Rupiah deposits amounting to Rp1,188,468 million and USD
dari deposito dalam Rupiah sebesar Rp1.188.468 juta dan USD deposits amounting to Rp35,013 million. This growth was
sebesar Rp35.013 juta. Peningkatan ini didukung oleh strategi driven by competitive interest rate strategies and attractive
suku bunga yang kompetitif serta program bundling yang bundling programs offered to customers.
menarik bagi nasabah.
Sejalan dengan strategi bisnis yang berfokus pada sektor- Aligned with its business strategy focused on productive
sektor produktif, realisasi penyaluran kredit Bank pada tahun sectors, the Bank’s loan disbursement in 2024 reached
2024 mencapai Rp16.438.254 juta atau sebesar 96,69% dari Rp16,438,254 million, or 96.69% of the targeted Rp17,000,804
target yang direncanakan sebesar Rp17.000.804 juta. Komposisi million. The credit portfolio composition was dominated by
portofolio kredit menunjukkan dominasi kredit modal kerja working capital loans at 84.27%, followed by investment loans
dengan porsi 84,27%, diikuti oleh kredit investasi sebesar at 15.03%, and consumer loans at 0.70%. This achievement
15,03%, dan kredit konsumsi sebesar 0,70%. Capaian ini reflects the Bank’s commitment to supporting productive and
mencerminkan komitmen Bank dalam mendukung kegiatan sustainable economic activities.
ekonomi yang produktif dan berkelanjutan.
Dari sisi total aset, pada tahun 2024 Bank Maspion membukukan In terms of total assets, Bank Maspion recorded Rp22,305,050
Rp22.305.050juta (YoY), atau naik sebesar 13,45%. million in 2024 (YoY), marking an increase of 13.45%.
Adapun Rasio LDR (Loan Deposit Ratio) Bank terealisasi The Bank’s Loan-to-Deposit Ratio (LDR) was realized at
sebesar 124,06% atau berada di atas rencana kerja sebesar 124.06%, exceeding the work plan target of 121.97%. This was
121,97%, hal tersebut disebabkan karena pencapaian DPK due to the Bank’s deposit realization of 95.06%, which was
Bank sebesar 95,06% lebih rendah dari pencapaian kredit slightly lower than its credit disbursement performance of
Bank sebesar 96,69%. Dari sisi rasio LLP (Loan Loss Provisions), 96.69%. From the LLP (Loan Loss Provision) ratio perspective,
per Desember 2024 terjadi peningkatan signifikan sebesar as of December 2024, there was a significant increase to
88,55% dibandingkan tahun sebelumnya yang berada pada 88.55%, compared to 42.34% in the previous year (YoY). This
level 42,34% (YoY). Kenaikan ini utamanya disebabkan oleh increase was primarily driven by the Bank’s establishment of
pembentukan overlay CKPN oleh Bank sebagai langkah an overlay CKPN (Allowance for Impairment Losses) as a
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antisipatif dalam menghadapi penerapan model CKPN baru precautionary measure in preparation for the implementation
yang direncanakan mulai diterapkan pada tahun 2025, guna of the New Loan provision model planned for 2025, aimed
memperkuat mitigasi risiko kredit secara berkelanjutan. at strengthening sustainable credit risk mitigation.
Peningkatan rasio LLP ini sejalan dengan kenaikan penyaluran The increase in the LLP ratio was in line with the rise in loan
kredit di akhir tahun 2024, yang secara langsung berdampak disbursement at the end of 2024, which directly impacted
pada kebutuhan pencadangan tambahan. Kenaikan ini the need for additional provisioning. This increase reflects
mencerminkan komitmen Bank dalam menjaga prinsip kehati- the Bank’s commitment to maintaining prudence and
hatian serta memperkuat resiliensi terhadap potensi risiko strengthening resilience against potential asset quality
penurunan kualitas aset di masa mendatang. deterioration in the future.
Sementara itu, realisasi ekuitas Bank tercatat sebesar Meanwhile, the Bank's equity realization stood at IDR 6,463,662
Rp6.463.662 juta atau mencapai 98,22% dari rencana kerja million, achieving 98.22% of the targeted work plan of IDR
yang ditetapkan sebesar Rp6.580.977 juta. 6,580,977 million.
Bank Maspion juga telah memperlihatkan komitmen yang Bank Maspion also demonstrated a strong commitment to
kuat terhadap keberlanjutan sosial dengan berbagai inisiatif social sustainability through various initiatives. One key
yang dilaksanakan. Salah satu pencapaian yang direalisasikan achievement was the implementation of Financial Literacy
adalah penyelenggaraan program Kegiatan Literasi dan Inklusi and Inclusion programs. These programs not only helped
Keuangan. Program ini tidak hanya membantu meningkatkan enhance public understanding of the importance of financial
pemahaman masyarakat tentang pentingnya literasi keuangan, literacy but also broadened access to financial services for
tetapi juga memperluas akses keuangan bagi individu dan individuals and groups who previously had limited access.
kelompok yang sebelumnya terbatas dalam hal ini.
Kendala Yang Dihadapi dan Antisipasi Challenges Faced and Mitigation
Yang Dilakukan Measures Taken
Tahun 2024 menjadi periode yang penuh dinamika bagi Bank The year 2024 was a dynamic period for Bank Maspion,
Maspion, dengan tantangan yang datang dari ketidakpastian marked by challenges arising from global economic uncertainty
ekonomi global dan meningkatnya volatilitas di pasar keuangan. and increased volatility in financial markets. External pressures
Tekanan eksternal seperti fluktuasi harga komoditas dan such as commodity price fluctuations and economic slowdowns
perlambatan ekonomi di beberapa negara turut mempengaruhi in several countries also affected domestic economic stability.
stabilitas ekonomi domestik. Menyikapi kondisi ini, Bank In response to these conditions, Bank Maspion strengthened
Maspion memperkuat strategi pengelolaan risiko dengan its risk management strategies by adopting a more prudent
pendekatan yang lebih hati-hati dalam penyaluran kredit, serta approach to credit disbursement and diversifying its portfolio
melakukan diversifikasi portofolio untuk memitigasi dampak to mitigate the impact from sectors more vulnerable to economic
dari sektor-sektor yang lebih rentan terhadap perubahan shifts.
ekonomi yang terjadi.
Di sisi lain, pesatnya perkembangan teknologi digital On the other hand, the rapid advancement of digital technology
menghadirkan tantangan baru dalam sektor perbankan, posed new challenges in the banking sector, particularly in
khususnya dalam aspek keamanan siber. Ancaman kejahatan the areas of cybersecurity. The growing sophistication of
siber yang semakin canggih menuntut peningkatan sistem cybercrime demanded enhanced security systems as well as
keamanan, serta kesadaran seluruh karyawan dalam melindungi increased employee awareness to protect customer data
data dan transaksi nasabah. Sebagai respons terhadap and transactions. In response to these challenges, Bank
tantangan ini, Bank Maspion telah menerapkan kebijakan Maspion implemented strict information security policies by
keamanan informasi yang ketat dengan mengadopsi standar adopting the ISO 27001 standard and enhanced staff training
ISO 27001, serta meningkatkan pelatihan bagi karyawan untuk to ensure readiness in facing potential cyber threats. To
memastikan kesiapan dalam menghadapi potensi serangan enhance competitiveness in the banking industry, the Bank
siber. Adapun untuk meningkatkan daya saing dalam industri has implemented strategies aimed at strengthening digital
perbankan, Bank telah mengimplementasikan strategi yang capabilities, improving operational efficiency, and ensuring
bertujuan untuk memperkuat kapabilitas digital, meningkatkan compliance with applicable regulations. These include the
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efisiensi operasional, serta memastikan kepatuhan terhadap enhancement of digital infrastructure and the development
regulasi yang berlaku seperti penguatan infrastruktur digital of the core banking system (implementation of Reporting
dan pengembangan sistem inti perbankan (implementasi Service), digital transformation to support Corporate and
Reporting Service), bertransformasi digital untuk mendukung Commercial Business (enhancement of Core Banking features
Bisnis Korporasi dan Komersial (peningkatan fitur dan and functionalities, integration of BI FAST with Maspion Virtual
fungsionalitas Core Banking, tegrasi BI FAST dengan Maspion Account (MAVA)), digital innovation for the Retail and MSME
Virtual Account (MAVA)), inovasi digital untuk segmen Retail segments (strengthening Mobile Banking features and
dan UMKM (penguatan fitur dan fungsionalitas Mobile Banking, functionalities, Same Day Settlement for QRIS, development
fitur Same Day Settlement QRIS, pengembangan SNAP QRIS of SNAP QRIS MPM), as well as improving operational efficiency
MPM)), dan peningkatan efisiensi operasional dan Manajemen and Risk Management (developing and implementing the
Risiko (mengembangkan dan menerapkan Sistem Credit Risk Credit Risk Rating system).
Rating (CRR)).
Dengan langkah-langkah ini, Bank Maspion berkomitmen Through these measures, Bank Maspion remains committed
untuk terus menjaga kepercayaan nasabah, sekaligus to safeguarding customer trust while optimizing opportunities
mengoptimalkan peluang di tengah tantangan yang ada amid ongoing challenges through innovation and strengthened
melalui inovasi dan penguatan tata kelola risiko. risk governance.
Penerapan Tata Kelola Perusahaan yang Implementation of Good Corporate
Baik Governance
Direksi, Dewan Komisaris, beserta seluruh karyawan Bank The Board of Directors, Board of Commissioners, and all
Maspion berkomitmen untuk menerapkan praktik Tata Kelola employees of Bank Maspion are committed to implementing
terbaik agar setiap program dan perencanaan dapat best governance practices to ensure that every program and
terealisasikan sesuai dengan harapan. Kami juga senantiasa plan is realized as expected. We continuously strive to improve
melakukan perbaikan dan penyempurnaan GCG yang dilakukan and enhance our Good Corporate Governance (GCG)
setiap tahun. implementation on an annual basis.
Direksi berharap, dengan tata kelola yang baik akan berdampak The Board of Directors believes that strong governance will
positif bagi pertumbuhan dan keberlanjutan bisnis Bank di have a positive impact on the Bank’s growth and long-term
masa mendatang. Sehingga diharapkan Bank Maspion mampu sustainability. With this foundation, Bank Maspion is expected
mewujudkan visi dan misi yang menjadi tujuannya. to achieve its vision and mission effectively.
• Implementasi Sistem Pelaporan Pelanggaran • Implementation of the Whistleblowing System
Setiap individu dalam lingkungan Bank diberikan Every individual within the Bank is provided the
kesempatan untuk menyampaikan informasi terkait opportunity to report any suspected misconduct or
dugaan tindakan yang tidak sesuai dengan peraturan violations of applicable regulations in a safe, confidential
yang berlaku secara aman, rahasia, dan tanpa risiko manner, and without the risk of retaliation. The Board
pembalasan. Direksi menilai bahwa implementasi of Directors believes that the implementation of the
sistem pelaporan pelanggaran telah dilakukan dengan whistleblowing system has been carried out in a
baik dan transparan. transparent and effective manner.
• Implementasi Sistem Manajemen Risiko • Implementation of the Risk Management System
Pada tahun 2024, sistem manajemen risiko Bank telah In 2024, the Bank’s risk management system operated
berjalan secara efektif dan efisien dengan dukungan effectively and efficiently, with full support from the
penuh dari Direksi dan Dewan Komisaris yang secara Board of Directors and the Board of Commissioners,
proaktif melakukan identifikasi terhadap potensi risiko who proactively identified potential risks that could
yang dapat memengaruhi kinerja Bank. Evaluasi affect the Bank’s performance. The implementation
terhadap penerapan manajemen risiko dan pengendalian of risk management and internal control was
internal dilaksanakan secara independen dan objektif independently and objectively evaluated by the Internal
oleh Satuan Kerja Audit Intern (SKAI), yang secara Audit Unit (SKAI), which regularly conducted assessments
berkala melakukan pemeriksaan atas aktivitas, prosedur, of activities, procedures, and operations across all
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dan operasional di seluruh unit kerja, serta menyampaikan work units and reported the findings to the President
hasilnya kepada Direktur Utama dan Dewan Komisaris. Director and the Board of Commissioners. In addition,
Selain itu, efektivitas penerapan manajemen risiko the effectiveness of risk management implementation
juga dievaluasi secara berkala oleh Komite Pemantau was also evaluated regularly by the Risk Monitoring
Risiko berdasarkan laporan dari Satuan Kerja Manajemen Committee based on reports from the Risk Management
Risiko. Sepanjang tahun 2024, Direksi menilai bahwa Unit. Throughout 2024, the Board of Directors assessed
penerapan manajemen risiko dan pengendalian internal that the Bank's risk management and internal control
Bank telah berlangsung dengan baik dan memadai. systems were functioning properly and adequately.
• Penilaian atas Kinerja Organ Pendukung di bawah • Assessment of the Performance of Supporting Organs
Direksi Under the Board of Directors
Pada tahun 2024, enam organ pendukung di bawah In 2024, the six supporting organs under the Board
Direksi telah menjalankan tugas dan tanggung jawabnya of Directors carried out their duties and responsibilities
dengan baik. Komite Audit & Liabilitas, Komite effectively. The Audit & Liability Committee, Risk
Manajemen Risiko, Komite Kredit, Komite Pengarah Management Committee, Credit Committee, Information
Teknologi Informasi, Komite Produk dan Kebijakan, Technology Steering Committee, Product and Policy
serta Komite Sumber Daya Manusia berperan aktif Committee, and Human Resources Committee actively
sesuai fungsinya masing-masing dalam mendukung contributed according to their respective functions in
pengambilan keputusan strategis, penguatan tata supporting strategic decision-making, strengthening
kelola, dan pencapaian kinerja Bank secara keseluruhan governance, and achieving the Bank’s overall and
dan berkelanjutan. sustainable performance.
Prospek Usaha dan Strategi Tahun 2025 Business Prospect and Strategy 2025
Lingkungan ekonomi global pada tahun 2025 akan tetap The global economic environment in 2025 is expected to
kompleks, dengan pertumbuhan yang bervariasi di berbagai remain complex, with growth varying across regions. According
kawasan. Menurut IMF, pertumbuhan global diproyeksikan to the IMF, global growth is projected to stabilize at 3.1%, amid
stabil di level 3,1%, seiring dengan tekanan inflasi, kebijakan inflationary pressures, tightening monetary policies, and
moneter yang ketat, dan ketidakpastian geopolitik yang geopolitical uncertainties faced by countries considered as
dihadapi oleh beberapa negara yang menjadi indikator ekonomi key economic indicators. Despite these challenges, the Asia-
utama. Meski menghadapi tantangan tersebut, kawasan Asia- Pacific region is expected to demonstrate stronger performance,
Pasifik diperkirakan akan mencatat kinerja yang lebih kuat, supported by solid domestic demand and stable recovery
didukung oleh permintaan domestik yang solid dan pemulihan across key sectors.
yang stabil di sektor-sektor utama.
Indonesia memiliki keunggulan dalam lanskap ini, dengan Within this landscape, Indonesia holds a distinct advantage,
proyeksi pertumbuhan ekonomi sebesar 4,7% hingga 5,5% with economic growth projected at 4.7% to 5.5% for 2025,
untuk tahun 2025, didukung oleh faktor demografi yang driven by favorable demographics, stable inflation management,
menguntungkan, manajemen inflasi yang stabil, dan peningkatan and rising consumer confidence. Bank Indonesia forecasts
kepercayaan konsumen. Bank Indonesia memperkirakan that inflation will remain within the target range of 2.5% ±1%,
inflasi akan tetap dalam kisaran target 2,5% ±1%, didorong supported by prudent monetary policies and strong domestic
oleh kebijakan moneter yang pruden dan konsumsi domestik consumption. This solid economic foundation places Bank
yang kuat. Fondasi ekonomi yang kokoh ini memberikan Bank Maspion in a favorable position to capitalize on growth
Maspion posisi yang menguntungkan untuk memanfaatkan opportunities, especially as the banking sector continues to
peluang pertumbuhan, terutama saat sektor perbankan terus play a critical role in facilitating financial inclusion and supporting
memainkan peran penting dalam memfasilitasi inklusi keuangan digital economy initiatives.
dan mendukung inisiatif ekonomi digital.
Menghadapi kondisi ini, Bank Maspion menetapkan target In response to these conditions, Bank Maspion has set targets
terkait pertumbuhan kredit sekitar 16% - 21% dan pertumbuhan for credit growth of approximately 16% - 21% and Third-Party
Dana Pihak Ketiga (DPK) sekitar 21% - 26%, yang akan Funds (TPF) growth of around 21% - 26%. These targets are
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Report to Stakeholders
memperkuat likuiditas Bank serta kapasitas untuk ekspansi aimed at strengthening the Bank’s liquidity and enhancing
berkelanjutan. Untuk mencapai tujuan ini, Bank Maspion akan its capacity for sustainable expansion. To achieve these
melanjutkan inisiatif strategis yang menggabungkan ekspansi objectives, Bank Maspion will continue its strategic initiatives
fisik dan digital, guna memenuhi kebutuhan nasabah yang combining both physical and digital expansion to meet the
lebih luas di segmen korporat maupun ritel. broader needs of corporate and retail customers.
Prioritas utama Bank tahun 2025 adalah melanjutkan momentum Bank Maspion’s top priority for 2025 is to maintain its current
bisnis yang telah berjalan dengan memperkuat transformasi business momentum by strengthening transformation efforts
dari segi infrastruktur teknologi informasi dan kebijakan in information technology infrastructure and risk management
manajemen risiko seperti; policies, including:
• Modernisasi infrastruktur (Iinfrastructure Optimization) • Infrastructure Optimization, aimed at modernizing and
yang bertujuan untuk penguatan infrastruktur bang strengthening infrastructure to support scalability,
guna mendukung skalabilitas dan efisiensi operasional operational efficiency, and business growth.
dan pertumbuhan bisnis.
• Penguatan keamanan siber (Cyber Security • Cybersecurity Enhancement, with the Bank prioritizing
Enhancement), Bank memprioritaskan peningkatan improvements in cybersecurity to protect customer
keamanan siber untuk melindungi data nasabah dan data and banking systems from evolving threats.
system bank dari ancaman yang terus berkembang
• Meningkatan sistem inti perbankan yang handal dan • Upgrading a reliable and adaptive core banking
adaptif, dalam mendorong transformasi berbasis data system, to drive Data-Driven Enablement, enabling
(Data-Driven Enablement) untuk mendukung faster and more accurate strategic decision-making
pengambilan keputusan strategis yang lebih cepat while ensuring compliance with applicable regulations.
dan akurat, sekaligus memastikan kepatuhan peraturan
yang berlaku.
• Melanjutkan Loan Portfolio Guidline (LPG) dan Risk • Continuing the implementation of Loan Portfolio
Acceptance Criteria (RAC). Pedoman ini digunakan Guidelines (LPG) and Risk Acceptance Criteria (RAC)
untuk mengelola dan mengendalikan portofolio kredit to manage and control the Bank’s credit portfolio, with
Bank dengan tujuan membawa pertumbuhan kredit the goal of achieving healthy and sustainable credit
yang sehat dan berkelanjutan growth.
• Menetapkan risk appetite & risk tolerance pada • Establishing risk appetite and risk tolerance parameters
parameter risiko kredit dengan tujuan agar sejalan for credit risk, to ensure alignment with the Bank’s
dengan strategi bisnis dan Rencana Bisnis secara overall business strategy and Business Plan.
keseluruhan.
• Melakukan pemantauan secara seksama terhadap • Closely monitoring non-performing loans, to maintain
adanya kredit bermasalah, agar dapat menjaga kualitas the overall quality of the Bank’s credit and safeguard
kredit Bank secara keseluruhan dan menjaga kinerja business performance.
usaha Bank
Bank Maspion juga akan melanjutkan penguatan layanan Bank Maspion will also continue to strengthen its treasury
treasury dan valuta asing (FX), termasuk transaksi FX Spot and foreign exchange (FX) services, including FX Spot and
dan Forward, untuk meningkatkan volume transaksi dan Forward transactions, to boost transaction volume and fee-
pendapatan berbasis fee. Operasi treasury akan tetap berfokus based income. Treasury operations will focus on expanding
pada perluasan pilihan produk, seperti FX Forward Outright, product offerings such as FX Forward Outright, FX Swap, and
FX Swap, dan Domestic Non-Deliverable Forward (DNDF), Domestic Non-Deliverable Forward (DNDF), in order to meet
guna memenuhi kebutuhan transaksi keuangan nasabah the financial transaction needs of corporate and commercial
korporat dan komersial. clients.
Melalui pendekatan yang komprehensif yang menekankan Through a comprehensive approach that emphasizes IT and
transformasi dari sisi TI dan manajemen risiko, efisiensi risk management transformation, operational efficiency, and
operasional, dan layanan keuangan sesuai kebutuhan, Bank customized financial solutions, Bank Maspion is well-positioned
Maspion berada dalam posisi yang baik untuk mencapai to achieve stable growth while maintaining a prudent risk
pertumbuhan yang stabil termasuk juga mempertahankan management approach. As the Bank continues to enhance
PT Bank Maspion Indonesia Tbk
42 Laporan Tahunan Terintegrasi 2024
Page 43
pendekatan kehati-hatian dalam manajemen risiko. Seiring its capabilities and adapt to ever-evolving market dynamics,
dengan pengembangan kapabilitas Bank dan adaptasi terhadap Bank Maspion remains committed to delivering the best value
dinamika pasar yang terus berubah, Bank Maspion tetap to stakeholders and sustaining its competitiveness in the
berkomitmen untuk memberikan nilai terbaik bagi pemangku Indonesian banking industry.
kepentingan serta mempertahankan daya saingnya di industri
perbankan Indonesia.
Perubahan Komposisi Direksi Tahun Changes in the Composition of the
2024 Board of Directors in 2024
Di tahun 2024, tidak terdapat perubahan komposisi Direksi, In 2024, there were no changes in the composition of the
sehingga per 31 Desember 2024, komposisi Direksi adalah Board of Directors. As of December 31, 2024, the composition
sebagai berikut: of the Board of Directors was as follows:
Direktur Utama : Kasemsri Charoensiddhi President Director : Kasemsri Charoensiddhi
Direktur Marketing : Endah Winarni Marketing Director : Endah Winarni
Direktur Operasional : Iis Herijati Operations Director : Iis Herijati
Direktur Kepatuhan & Legal: Viktor Ebenheizer Fanggidae Compliance & Legal Director: Viktor Ebenheizer Fanggidae
Direktur Kredit dan Risiko : Ivan Adrian Sumampouw Credit and Risk Director : Ivan Adrian Sumampouw
Apresiasi Appreciation
Menutup penyampaian laporan ini, Direksi menyampaikan In closing this report, the Board of Directors would like to
penghargaan dan terima kasih yang sebesar-besarnya kepada express our highest appreciation and sincere gratitude to the
Dewan Komisaris atas arahan dan dukungan yang luar biasa Board of Commissioners for their exceptional guidance and
dalam menjalankan tugas-tugasnya dengan integritas dan unwavering support in carrying out their duties with integrity
profesionalisme yang tinggi. Kami juga ingin mengucapkan and professionalism. We also extend our heartfelt thanks to
terima kasih kepada seluruh karyawan Bank Maspion yang all Bank Maspion employees for their hard work and dedication
telah bekerja keras dengan penuh tanggung jawab untuk in fulfilling the Bank’s commitments with great responsibility.
mencapai komitmen yang telah dibuat.
Selanjutnya, kami ingin mengucapkan terima kasih kepada Furthermore, we would like to express our gratitude to all
seluruh pemegang saham atas kepercayaan dan dukungan shareholders for their trust and continued support of Bank
penuh yang telah diberikan kepada Bank Maspion. Tak lupa Maspion. We also extend our appreciation to our valued
kami juga berterimakasih kepada para nasabah, regulator, customers, regulators, and other stakeholders for their
dan pemangku kepentingan lainnya atas kerja sama dan cooperation and support throughout the years. With shared
dukungan yang telah diberikan kepada Bank Maspion selama commitment and dedication, we hope to continuously enhance
ini. Dengan komitmen dan dedikasi bersama, kami berharap our performance, deliver the best services, and strengthen
dapat terus meningkatkan kinerja dan memberikan layanan our position as a trusted financial institution for all customers
yang terbaik dan semakin mengukuhkan posisi sebagai and stakeholders.
lembaga keuangan terpercaya bagi seluruh nabasah maupun
pihak yang terlibat.
Atas nama Direksi
On Behalf of the Board of Directors
Kasemsri Charoensiddhi
Direktur Utama
President Director
PT Bank Maspion Indonesia Tbk
Integated Report 2024 43
Page 44
Page 45
Page 46
Profil Perusahaan
Company Profile
Informasi Perusahaan
Company Information
Nama Perusahaan [GRI 2-1]
Company’s Name
PT Bank Maspion Indonesia Tbk
Kantor Pusat [OJK C2] [GRI 2-1] Bidang Usaha [OJK C4] [GRI 2-6]
Head Office Core Business
Pakuwon Tower,
Perbankan | Banking
Tunjungan Plaza 6 Lt. 32 & 33
Jl. Embong Malang, No. 21-31,
Kel. Kedungdoro, Kec. Tegalsari
Surabaya 60261
Pencatatan Saham
Share Listing
Telepon | Phone
+62 31 985 88789 Bursa Efek Indonesia | Indonesia Stock
Exchange
Laman Situs | Website
www.bankmaspion.co.id Tanggal Pencatatan Saham
Surat Elektronik | E-mail Listing Date
corsec@bankmaspion.co.id 11 Juli 2013 | July 11th, 2013
Pendirian Perusahaan
Kode Saham
Establishment Date
Stock Code
6 November 1989 | November 6th, 1989
BMAS
PT Bank Maspion Indonesia Tbk
46 Laporan Tahunan Terintegrasi 2024
Page 47
Dasar Hukum [GRI 2-1]
Legal Framework of Establishment
Akta No.68 tanggal 6 November 1989 juncto Akta Perubahan No. 49 tanggal 5 Desember 1989,
keduanya dibuat di hadapan Notaris Soetjipto, S.H., Notaris di Surabaya. Akta tersebut telah
memperoleh pengesahan dari Menteri Kehakiman Republik Indonesia berdasarkan Surat Keputusan
C2 2292.HT.01.01.TH.90 tanggal 18 April 1990, didaftarkan dalam buku register di Kepanitraan
Pengadilan Negeri Surabaya pada tanggal 26 September 1990 berturut-turut di bawah No.1040/1990
dan No.1042/1990, serta diumumkan dalam Berita Negara Republik Indonesia No.90 tanggal 9
November 1990 Tambahan No.4560.
Deed No.68 dated November 6, 1989, in conjunction with the Deed of Amendment No.49 dated
December 5, 1989, both made before Soetjipto, S.H., a Notary in Surabaya. This deed has been
approved by the Ministry of Justice of The Republic of Indonesia based on Decree C2 2292.HT.01.01.
TH.90 dated April 18, 1990, registered in the register book at the Surabaya District Court Registrar’s
Office on September 26, 1990 respectively No.1040/1990 and No.1042/1990, and published in the
State Gazette of The Republic of Indonesia No.90, supplement No.4560, dated November 9, 1990.
PT Bank Maspion Indonesia Tbk
Integated Report 2024 47
Page 48
Profil Perusahaan
Company Profile
Bank melaksanakan Penawaran Umum Terbatas II (“PUT II”) Dalam Rangka Penambahan Modal
Dengan Memberikan Hak Memesan Efek Terlebih Dahulu (“PMHMETD II”). Dana yang diperoleh dari
PUT II sebesar Rp 1.712.510 juta menjadikan Ekuitas Bank pada akhir Desember 2022 mencapai lebih
dari Rp 3 triliun dan Bank berada dalam kategori KBMI 1.
KASIKORN VISION FINANCIAL COMPANY PTE. LTD. (“KVF”) sebagai anak perusahaan yang
sepenuhnya dimiliki oleh KASIKORNBANK PUBLIC COMPANY LIMITED (“KBank”) resmi menjadi
pemegang saham pengendali baru PT Bank Maspion Indonesia Tbk setelah menyelesaikan akuisisi
melalui pengambilan bagian atas saham baru melalui PMHMETD II sehingga KVF bersama-sama
dengan KASIKORNBANK memiliki total 67.5% dari jumlah saham yang ditempatkan dan disetor
dalam perseroan.
In 2022, the Bank conducted a Right Issue II for Capital Increase with Pre-emptive Rights (“PMHMETD
Berdasarkan keputusan RUPSLB tanggal 2 April II”). The funds obtained from the Rights Issue II amounted to Rp 1,712,510 million, bringing the Bank’s
2013, Bank mengubah status perusahaan menjadi equity at the end of December 2022 to over Rp 3 trillion and placing the Bank in the KBMI 1 category.
perusahaan publik (terbuka) dan menawarkan
770.000.000 saham biasa kepada masyarakat KASIKORN VISION FINANCIAL COMPANY PTE. LTD. (“KVF”) as a wholly owned subsidiary of
dengan nilai nominal Rp. 100,- per lembar sahamnya, KASIKORNBANK PUBLIC COMPANY LIMITED (“KBank”) officially became the new controlling
yang dicatatkan di Bursa Efek Indonesia tanggal 11 shareholder of PT Bank Maspion Indonesia Tbk after completing the acquisition by taking part in
Juli 2013. new shares through PMHMETD II, therefore KVF together with KASIKORNBANK own 67.5% of the
total issued and paid-up shares in the company.
Pursuant to the EGMS resolution on April 2, 2013, the
Bank changed its status to a public company and
offered 770,000,000 common shares to the public
with a nominal value of Rp 100 per share and was
listed on the Indonesia Stock Exchange on July 11, Pada tahun 2016, Bank melaksanakan Penawaran Umum Terbatas I (“PUT
2013. I”) Dalam Rangka Penambahan Modal Dengan Memberikan Hak Memesan
Efek Terlebih Dahulu. Dana yang diperoleh dari PUT I sebesar Rp. 201.437
juta menjadikan Ekuitas Bank pada akhir Desember 2016 mencapai lebih
dari Rp 1 triliun dan Bank berada dalam kategori BUKU 2.
PT Bank Maspion Indonesia Tbk didirikan In 2016, the Bank conducted a Right Issue I for Capital Increase with
berdasarkan Akta No. 68 tanggal 6 November 1989 Pre-emptive Rights. The proceeds from the Rights Issue I was Rp
juncto Akta Perubahan No. 49 tanggal 5 Desember 201,437 million, making the Bank’s equity at the end of December
1989, keduanya dibuat di hadapan Soetjipto, S.H., 2016 exceed Rp 1 trillion, and the Bank was categorized as BUKU 2.
Notaris di Surabaya. Setelah memperoleh izin dari
Menteri Keuangan Republik Indonesia pada tanggal
30 Juli 1990, Bank mulai beroperasi secara komersial
sebagai bank umum pada 31 Agustus 1990 dan pada
28 Juli 1995 Bank menyandang status sebagai Bank
Devisa.
PT Bank Maspion Indonesia Tbk was established
based on Deed No. 68 dated November 6, 1989 in
conjunction with Deed of Amendment No. 49 dated 2017
December 5, 1989, both made before Soetjipto, S.H.,
Notary in Surabaya. After acquiring a permit from
the Minister of Finance of the Republic of Indonesia
on July 30, 1990, the Bank commenced commercial
operations as a commercial bank on August 31, 1990,
and as of July 28, 1995, the Bank acquired the status
of a Foreign Exchange Bank.
2016
2013
Pada tahun 2017, KASIKORNBANK menjadi
Strategic Partner Bank dengan kepemilikan saham
sebesar 9,99% dari total saham Bank.
1989
- 1995 In 2017, KASIKORN BANK became the Bank’s
Strategic Partner with share ownership of 9.99%
of the Bank’s total shares.
PT Bank Maspion Indonesia Tbk
48 Laporan Tahunan Terintegrasi 2024
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RIWAYAT SINGKAT
PERUSAHAAN
Company in Brief 2024
[GRI 2-1]
2023
Sebagai bagian dari transformasi berkelanjutan, pada awal
2024 Bank Maspion merelokasi kantor pusat dari Jalan Basuki
Rahmat ke Pakuwon Tower, Tunjungan Plaza 6 Lt 32 & 33, yang
terletak di jantung kawasan bisnis Surabaya. Langkah strategis
ini menegaskan komitmen Bank Maspion dalam mendorong
pertumbuhan berkelanjutan, memperkuat daya saing di pasar
yang terus berkembang, serta meningkatkan kemudahan akses
bagi nasabah dan mitra bisnis.
As part of its ongoing transformation, in early 2024 Bank
Maspion relocated its head office from Jalan Basuki Rahmat
to Pakuwon Tower, Tunjungan Plaza 6 Lt 32 & 33, located in
the heart of Surabaya's business district. This strategic move
2022 emphasizes Bank Maspion's commitment to driving sustainable
growth, strengthening competitiveness in an evolving market,
and improving accessibility for customers and business partners.
Bank melaksanakan Penawaran Umum Terbatas PUT III/Right Issue III – The Bank carries out a Limited Public Offering PUT III/Right Issue III –
Rp3.508.468 juta sehingga Bank masuk kedalam kategori KBMI 2 dengan Rp3,508,468 million so the Bank is included in the KBMI 2 category with
modal inti lebih dari Rp6 Triliun. core capital of more than Rp6 trillion.
KASIKORN VISION FINANCIAL COMPANY PTE. LTD. (“KVF”) sebagai anak KASIKORN VISION FINANCIAL COMPANY PTE. LTD. (“KVF”) as a
perusahaan yang sepenuhnya dimiliki oleh KASIKORNBANK PUBLIC wholly owned subsidiary of KASIKORNBANK PUBLIC COMPANY
COMPANY LIMITED(“KBank”) Menaikan Modal Dasar dari Rp3,4 triliun LIMITED(“KBank”) Increased Authorized Capital from Rp3.4 trillion to
menjadi Rp7,2 triliun – 27 Juni 2023 menjadi pemegang saham pengendali Rp7.2 trillion – June 27, 2023 became controlling shareholder together
bersama-sama dengan KASIKORNBANK meningkatkan kepemilikan saham with KASIKORNBANK increased share ownership up to a total of 84.55%
hingga total 84,55% dari jumlah saham yang ditempatkan dan disetor dalam of the number of shares issued and paid up in the company.
perseroan.
Dalam mencapai kinerja, pada akhir Desember 2023 Bank memiliki 826 In achieving performance, by the end of December 2023 the Bank has
karyawan dan memiliki 61 jaringan kantor yang terdiri dari 1 Kantor Pusat, 826 employees and have 61 office networks consisting of 1 Head Office,
14 Kantor Cabang, 44 Kantor Cabang Pembantu, dan 2 Kantor Fungsional 14 Branch Offices, 44 Sub-Branch Offices, and 2 Functional office spread
yang tersebar di Surabaya, Jakarta, Tangerang, Semarang, Denpasar, across Surabaya, Jakarta, Tangerang, Semarang, Denpasar, Medan,
Medan, Bandung, Makassar, Solo, Malang, Purwokerto, Palembang, dan Bandung, Makassar, Solo, Malang, Purwokerto, Palembang, and Jember.
Jember.
Guna mewujudkan komitmen dalam menawarkan solusi perbankan yang In order to realize its commitment to offering banking solutions that are
mampu memenuhi kebutuhan nasabah, maka Bank memiliki delivery able to meet customer needs, the Bank has delivery channels in the form
channel berupa 4 CRM dan 75 ATM dengan akses ke jaringan Himbara of 4 CRM and 75 ATM with access to the Himbara LINK network and Prima
LINK dan jaringan Prima. Selain itu, delivery channel Bank juga didukung network. Apart from that, the Bank's delivery channel is also supported
oleh digital channel yaitu Maspion Electronic Banking yang terdiri dari by digital channels, namely Maspion Electronic Banking which consists of
Internet Banking dan Mobile Banking serta Maspion Virtual Account. Internet Banking and Mobile Banking as well as Maspion Virtual Account.
PT Bank Maspion Indonesia Tbk
Integated Report 2024 49
Page 50
Profil Perusahaan
Company Profile
Kegiatan Usaha
Business Activities [OJK C4] [GRI 2-6]
Berdasarkan Pasal 3 Anggaran Dasar Bank Maspion, sebagai As stipulated in Article 3 of the Articles of Association of Bank
Bank Umum, Bank dapat melakukan kegiatan usaha sebagai Maspion as a Commercial Bank, the Bank may perform the
berikut: following activities:
Kegiatan Usaha Utama Core Business Activities
1. Menghimpun dana dari masyarakat dalam bentuk simpanan 1. Raising funds from the public in the form of deposits such
berupa giro, deposito berjangka, sertifikat deposito, as current accounts, time deposits, certificates of deposit,
tabungan dan/atau bentuk lainnya yang dipersamakan savings and/or other similar forms;
dengan itu;
2. Memberikan kredit; 2. Providing loans;
3. Menerbitkan surat pengakuan hutang; 3. Issuing promissory notes;
4. Membeli, menjual atau menjamin atas risiko sendiri maupun 4. Buying, selling, or guaranteeing at own risk or for the
untuk kepentingan atau atas perintah nasabahnya : benefit of and under the instruction of customers:
a. Surat-surat wesel, termasuk wesel yang diakseptasi a. Negotiable instruments, including negotiable instruments
oleh bank, yang masa berlakunya tidak lebih lama that are accepted by the Bank, that its validity period
daripada kebiasaan dalam perdagangan surat-surat no longer than normal practice in the trading of such
dimaksud; negotiable instruments;
b. Surat-surat pengakuan hutang dan kertas dagang b. Promissory notes and other trade papers that the
lainnya yang masa berlakunya tidak lebih lama dari validity period no longer than normal practice in the
kebiasaan dalam perdagangan surat-surat tersebut; trading of such negotiable instruments;
c. Kertas perbendaharaan negara dan surat jaminan c. State Treasury Certificate and Government guarantee;
Pemerintah;
d. Sertifikat Bank Indonesia (SBI); d. Bank Indonesia Certificates (SBI);
e. Obligasi; e. Bonds;
f. Surat dagang berjangka waktu, sesuai dengan peraturan f. Fixed-term trade papers, in accordance with applicable
perundangan yang berlaku; laws and regulations;
g. Surat berharga lain yang berjangka waktu, sesuai g. Other securities with maturity in accordance with
dengan peraturan perundangan yang berlaku; applicable laws and regulations;
5. Memindahkan uang, baik untuk kepentingan sendiri 5. Transferring funds, either for the Bank’s interest or in the
maupun untuk kepentingan nasabah; interest of customers;
6. Menempatkan dana pada, meminjam dana dari, atau 6. Placing funds with, borrowing funds from, or lending funds
meminjamkan dana kepada bank lain, baik dengan to other banks, either by using the paper, telecommunication
menggunakan surat, sarana telekomunikasi maupun facilities and bearer negotiable instruments, cheque or
dengan wesel unjuk, cek atau sarana lainnya; other means;
7. Menerima pembayaran dari tagihan atas surat berharga 7. Receiving payment of claims on securities and conducting
dan melakukan perhitungan dengan atau antar pihak calculations with or between third parties;
ketiga;
8. Menyediakan tempat untuk menyimpan barang dan surat 8. Providing safe deposit box for the storage of valuable
berharga; items and papers
9. Melakukan kegiatan penitipan untuk kepentingan pihak 9. Providing custodian services forthe interests ofthe other
lain berdasarkan suatu kontrak; parties on a contractual basis;
10. Melakukan penempatan dana dari nasabah kepada nasabah 10. Placing funds from the customer to other customers in
lainnya dalam bentuk surat berharga yang tidak tercatat the form of securities that are not listed on the stock
di bursa efek; exchange;
11. Menyediakan pembiayaan dan/atau melakukan kegiatan 11. Financing and/or conducting other activities based on
lain berdasarkan Prinsip Syariah, sesuai dengan ketentuan Sharia principles, in accordance with the provisions
yang ditetapkan oleh Bank Indonesia atau Otoritas Jasa stipulated by Bank Indonesia or Financial Services Authority
Keuangan atau instansi yang berwenang lainnya; or other authorized authorities.
12. Melakukan kegiatan anjak piutang, usaha kartu kredit, dan 12. Conducting factoring activities, credit card business, and
kegiatan wali amanat; trusteeship activities;
PT Bank Maspion Indonesia Tbk
50 Laporan Tahunan Terintegrasi 2024
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13. Melakukan kegiatan dalam valuta asing dengan memenuhi 13. Conducting foreign exchange activities in accordance
ketentuan yang ditetapkan oleh Bank Indonesia atau with the provisions stipulated by Bank Indonesia or Financial
Otoritas Jasa Keuangan atau instansi yang berwenang Services Authority or other authorized authorities;
lainnya;
14. Melakukan kegiatan penyertaan modal pada bank atau 14. Conducting equity participation activities in other banks
perusahaan lain di bidang keuangan, seperti perusahaan or financial companies, such as leasing companies, venture
sewa guna usaha, perusahaan modal ventura, perusahaan capital companies, securities, insurance companies, as
efek, perusahaan asuransi, serta lembaga kliring well as clearing settlement and custodian agency, in
penyelesaian dan penyimpanan, dengan memenuhi accordance with the provisions stipulated by Bank
ketentuan yang ditetapkan oleh Bank Indonesia atau Indonesia or Financial Services Authority or other authorized
Otoritas Jasa Keuangan atau instansi yang berwenang authorities;
lainnya;
15. Melakukan kegiatan penyertaan modal sementara untuk 15. Conducting temporary equity investment to overcome
mengatasi akibat kegagalan kredit atau kegagalan credit or financing failure based on Sharia Principle, subject
pembiayaan berdasarkan Prinsip Syariah, dengan syarat to such the investment being subsequently withdrawn in
harus menarik kembali penyertaannya dengan memenuhi accordance with the provisions stipulated by Bank
ketentuan yang ditetapkan oleh Bank Indonesia atau Indonesia or Financial Services Authority or other authorized
Otoritas Jasa Keuangan atau instansi yang berwenang authorities;
lainnya ;
16. Bertindak sebagai pendiri dana pensiun dan pengurus 16. Acting as pension fund founder and trustees, in accordance
dana pensiun, sesuai dengan ketentuan dalam peraturan with the applicable pension fund regulation;
perundang-undangan dana pensiun yang berlaku;
17. Melakukan kegiatan lain yang lazim dilakukan oleh bank 17. Conducting other common practices which do not
sepanjang tidak bertentangan dengan perundang-undangan contravene with the prevailing regulation, including
yang berlaku, termasuk antara lain tindakan dalam rangka measures taken in the context of restructuring or loan
restrukturisasi atau penyelamatan kredit antara lain membeli rescue, among others by purchasing collateral, either
agunan, baik semua maupun sebagian, melalui lelang atau entirely or partly, through auction or otherwise, in case
dengan cara lain, dalam hal debitur tidak memenuhi that the debtor failed to meet its obligations to the Bank
kewajibannya kepada bank dengan ketentuan agunan with the provisions that the purchased collateral shall be
yang dibeli wajib dicairkan secepatnya. settled as soon as possible.
Kegiatan Usaha Penunjang Supporting Business Activities
Selain kegiatan usaha utama sebagaimana dimaksud diatas, Apart from the main business activities referred above, the
Perseroan dapat melakukan kegiatan usaha penunjang Company may conduct supporting business activities as long
sepanjang tidak bertentangan dengan peraturan perundang- as it does not contravene with the prevailing laws and
undangan khususnya peraturan di bidang perbankan. regulations, especially regulations in the banking sector.
Pada tahun 2024, Perseroan menjalankan seluruh kegiatan In 2024, the Company implemented all of the business
usaha tersebut. activities.
PT Bank Maspion Indonesia Tbk
Integated Report 2024 51
Page 52
Profil Perusahaan
Company Profile
Struktur Organisasi
Organization Structure
Shareholder
Board of President Director
Commissioner Kasemsri Charoensiddhi
Audit Committee Risk Monitoring Remuneration and
Committee Nomination Committee
Business Director Credit and Risk Director Compliance and Legal Director Operational Director
Endah Winarni Ivan Adrian Sumampouw Viktor Ebenheizer Fanggidae Iis Herijati
Operational Deputy Director
Wong Robert Widjaja
Corporate Banking Corp. Credit Review Compliance Operational
Beethoven Sihite Alida V. Putri Handi Maputra E. Akadhita Bogo K.
Commercial Banking SC & Retail Crd. Rev. AML CFTP Creadit Operational
(Vacant) Esy Lily Wijaya (Vacant)
Funding Risk Management Legal General Affair
Shiny Tjahjarijadi Rony P. Simanjuntak Faisyal Hakim Albert Febriant
Branch Banking Policy
Shirley Moh. Kristanto
Cash Management Special Asset Mng.
Ferry Hardian H. O. Johns Tuna
Trade Sales
Denny Ariyanto
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Risk Management Credit Committee Human Resources IT Steering Product and Policy Asset & Liabillities
Committee Committee Committee Committee Committee
Chief Technology Off. Chief Finance Officer Chief People Officer
Magdalena Barli Deasy Wulaningsih Ferhat Wideru
Core Banking & Sur Fin. & Accountung HR Management CEO Office Corporate Secretary
Kwan Tony S. Dwiana Kriswati Marlyn Tanralili (Vacant) Iwan Djayawasita
Dig. Trans. & Innv. HR Serv. & Strategy Internal Audit Product & Channel
Purwoko Erwin K. Julistiono Marsel A. Tjahjadi Denny Agustriawan
Data Analytic & ITM Corp. Pln. & Bus. Perf.
Rico Prawira Erlenny Suparman
Treasury & FI
IT Infr. & Cyber Sec. Zulkifli Adijaya
Ikwan
Branding & Comm.
(Vacant)
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Profil Perusahaan
Company Profile
Identitas Perusahaan
Corporate Identity
X
X
Logo Bank merupakan logo korporasi yang mengandung The Bank’s Logo is the Company’s logo which incorporated
elemen dan warna logo Perusahaan Induk yaitu “Logo Maspion Maspion Group’s logo elements and colors as BANK MASPION’s
Group” sebagai identitas BANK MASPION. identity.
ELEMEN-ELEMEN DALAM LOGO ELEMENTS IN LOGO OF BANK
BANK MASPION MASPION
LOGOGRAM | LOGOGRAM LOGOTYPE | LOGOTYPE
Adalah logo Maspion Group Adalah jenis font Perusahaan yang merepresentasikan BANK MASPION
Maspion Group’s logo sebagai Bank yang fokus menyediakan solusi layanan berbasis teknologi.
Is a font which represents BANK MASPION as a Bank which focuses
on providing technology based service solutions.
WARNA LOGO | LOGO COLOR
Warna merah merupakan turunan warna dari logo Maspion
Group, sedangkan warna abu-abu merupakan warna
chrome yang melambangkan teknologi serta kemajuan.
Red is a derivative color of Maspion Group’s Logo, while
grey is a chrome color representing technology and
advancement. #ED1C2E #535150
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Visi & Misi
Vision & Mission [OJK C1]
Menjadi Bank terbesar
di Jawa Timur pada tahun 2027
To become the largest Bank in East Java by 2027
Bank lokal pilihan dengan layanan
Beyond Banking yang mencakup semua
segmen nasabah.
Bank of choice for locals with Beyond Banking
services encompassing all customer segments.
Nilai-Nilai Perusahaan
Company Values [OJK C.1] [GRI 2-23]
Komunikasi Kerja Sama Dedikasi
Kami menciptakan suasana Kami saling mendukung, Kami memanfaatkan seluruh
keterbukaan, berkomunikasi menghargai, menghormati potensi yang dimiliki dan
dua arah serta menghargai dan menjalin koordinasi satu meningkatkan kapabilitas
pendapat dan ide konstruktif sama lain untuk mewujudkan kami untuk memberikan yang
karyawan. tujuan perusahaan. terbaik bagi seluruh
stakeholder.
Communication Cooperation
We create an atmosphere We support, appreciate, Dedication
of openness, two-way respect, and coordinate with We utilize all our potential
communication, and respect each other to accomplish and enhance our capabilities
for employees’ constructive company’s goals. to provide the best for all
opinions and ideas. stakeholders.
Loyalitas Disiplin Layanan Prima
Kami menyelaraskan tujuan Kami berkomitmen untuk Nasabah adalah partner
individu dengan tujuan bekerja dengan integritas utama kami.
perusahaan sehingga setiap dan profesionalisme tinggi Kami mendengarkan, mengenali
karyawan mempunyai “rasa dengan menaati standar dan dan mengembangkan kinerja
memiliki” terhadap profesi aturan yang berlaku. kami untuk memenuhi dan
maupun perusahaan. melampaui ekspektasi nasabah.
Loyalty Discipline Excellent Service
We align individual goals We are committed to work Customers are our main
with the company goals so with high integrity and partners. We listen, recognize
that each employee has a professionalism by adhering and develop our performance
“sense of belonging” to the to applicable standards and to meet and exceed customer
profession and company. rules. expectations.
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Profil Perusahaan
Company Profile
Produk dan Layanan
Products and Services [OJK C4] [GRI 2-6]
Sejalan dengan visi dan misi Bank untuk menjadi Bank terbesar In line with the Bank’s vision and mission to be the biggest
di Jawa Timur pada tahun 2027 dan menjadi Bank lokal pilihan Bank in East Java by 2027 and to be Bank of choice for locals
dengan layanan beyond banking yang mencakup semua with beyond banking services encompassing all customer
segmen nasabah, kami bertekad untuk senantiasa menyediakan segments, we are always determined to deliver quality,
produk dan layanan berkualitas, inovatif berkelanjutan dan innovative-sustainable and value-added products and services
mempunyai nilai tambah sesuai kebutuhan nasabah perorangan, according to individual customers, companies, and communities’
perusahaan serta komunitas dalam bertransaksi dengan cepat needs in making transactions quickly and comfortably through
dan nyaman melalui layanan perbankan berbasis digital. digital-based banking services.
Selain itu, pengembangan layanan perbankan berbasis digital Moreover , the development of digital-based banking services
dilakukan untuk mendukung program pemerintah dalam is conducted to support Government programs in banking
digitalisasi perbankan, digitalisasi UMKM maupun inklusi and MSMEs digitization, financial inclusion, and also to
keuangan serta untuk mengakomodir perubahan perilaku di accommodate changes in people’s behaviour who switch to
masyarakat yang beralih ke teknologi digital. Pengembangan digital technology, especially during the pandemic, new
berbasis digital dilakukan dengan melakukan pengembangan normal, and post-pandemic. The digital-based development
pada aplikasi yang berkaitan dengan produk simpanan, produk is conducted through application development related to
pinjaman, dan berbagai layanan lainnya. saving products, loan products, and other services.
Uraian produk dan layanan Bank dijelaskan sebagai berikut: The description of the Bank’s products and services areas
follows:
1. FUNDING 1. FUNDING
Giro Current Account
Rekening koran dalam mata uang Rupiah bagi nasabah Current Account in Rupiah for individuals or corporate customers
perorangan dan perusahaan sebagai sarana bertransaksi bisnis for a daily business transaction with cheque and giro. It is
sehari-hari dengan menggunakan cek dan bilyet giro. Dilengkapi equipped with multiple transfers to facilitate transfer and
pula dengan fasilitas layanan multiple transfer untuk memudahkan overbooking transactions to multiple account destinations at
transaksi transfer maupun pemindahbukuan ke beberapa once. Current Account customers can enjoy facilities such as
rekening tujuan sekaligus. Nasabah giro dapat menikmati Maspion Electronic Banking (MEB), Maspion Virtual Account
fasilitas berupa Maspion Electronic Banking (MEB), Maspion (MAVA), and Interact card (only for individual customers).
Virtual Account (MAVA) serta kartu ATM dan kartu debet -
Interact (khusus nasabah giro perorangan).
Giro Hebat Hebat Current Account
Rekening koran dengan keunggulan tingkat suku bunga yang Current Account with an attractive interest rate with an average
lebih menarik dengan perhitungan bunga secara threshold threshold interest calculation, so that funds deposited in Hebat
rata-rata sehingga dana yang mengendap di rekening Giro Current Account may grow optimally. Equipped with ATM and
Hebat dapat bertumbuh secara optimal. Dilengkapi pula dengan Interact debit card (for individual customers only), Maspion
fasilitas kartu ATM dan kartu debet - Interact (khusus nasabah Electronic Banking (MEB), and multiple transfer facility to
giro perorangan), Maspion Electronic Banking (MEB) serta facility transfers and overbooking transactions to multiple
layanan multiple transfer untuk memudahkan transaksi transfer destination accounts at once.
maupun pemindahbukuan ke beberapa rekening tujuan sekaligus.
Giro Plus Plus Current Account
Rekening koran bagi nasabah dengan pengendapan dana Current account for customers with certain fund deposits with
tertentu dengan fasilitas bebas biaya transfer melalui Internet free transfer facilities through Bank Maspion’s Internet Banking.
Banking Bank Maspion. Rekening Giro Plus juga dilengkapi The Giro Plus account also comes with free transfer facilities
dengan fasilitas bebas biaya transfer untuk SKN, BI Fast, transfer for SKN, BI Fast, online transfers to other banks, and RGTS.
online ke bank lain, dan RGTS. Keuntungan dari rekening koran The advantage of this current account is that customers will
ini yakni nasabah akan mendapatkan bunga bulanan yang get monthly interest credited every month to the Giro Plus
dikreditkan setiap bulannya pada rekening Giro Plus. account.
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Giro Dollar Dollar Current Account
Rekening koran dalam mata uang US Dollar bagi nasabah Current Account in US Dollar for individual and corporate
perorangan dan perusahaan yang dalam kegiatan usahanya customers whose business activities require transactions in
banyak melakukan transaksi dalam mata uang US Dollar. US Dollar.
Tabungan Emas Emas Savings
Simpanan dalam mata uang Rupiah dengan sistem perhitungan Savings product denominated in Rupiah with an interest
bunga yang dihitung berdasarkan saldo rata-rata bulanan. calculation system based on the average monthly balance.
Semakin tinggi rata-rata saldo tabungan, semakin tinggi pula The higher the balance, the higher the interest earned. Some
bunga yang diperoleh. Simpanan ini dilengkapi fasilitas berupa facilities included in this savings are Interact Card, which
kartu ATM dan kartu debet - Interact, buku tabungan untuk serves as an ATM and a debit card, Passbook to track
memantau mutasi rekening, Maspion Electronic Banking (MEB), transactions history, Maspion Electronic Banking (MEB), and
serta fasilitas autodebet untuk membayar tagihan telepon auto-debit facility to pay phone and electricity bills.
dan listrik.
Tabungan Si Cerdas Si Cerdas Savings
Simpanan dalam mata uang Rupiah yang dikhususkan untuk Savings product denominated in Rupiah specified for students.
nasabah pada usia pelajar. Sistem perhitungan bunga dihitung The interest calculation system is based on the daily balance
berdasarkan saldo rata-rata harian dan sesuai tingkatan suku of the savings in accordance with the given interest rate.
bunga yang diberikan. Simpanan ini dilengkapi fasilitas berupa Facilities included in this saving are Interact Card, which
kartu ATM dan kartu debet - Interact, buku tabungan untuk serves as an ATM and a debit card, Passbook to track
memantau mutasi rekening, Maspion Electronic Banking (MEB), transactions history, Maspion Electronic Banking (MEB), and
serta fasilitas autodebet untuk membayar uang sekolah. auto-debit facility to pay tuition fees.
Tabungan Karya dan Karya Plus Karya Savings and Karya Plus Savings
Simpanan dalam mata uang Rupiah yang dikhususkan untuk Savings product denominated in Rupiah specified for employees
karyawan suatu perusahaan yang menjalin kerjasama dalam of cooperating companies in monthly payroll through Maspion
pembayaran gaji bulanan melalui layanan Maspion Auto Payroll Auto Payroll Service (MAPS). The interest calculation system
Services (MAPS). Sistem perhitungan bunga dihitung is based on the daily balance of the savings in accordance
berdasarkan saldo rata-rata harian dan sesuai tingkat suku with the given interest rate. Facilities included in this saving;
bunga yang diberikan. Simpanan ini dilengkapi fasilitas berupa Interact Card, which serves as an ATM and a debit card,
kartu ATM dan kartu debet - Interact, buku tabungan untuk Passbook to track transactions history, Maspion Electronic
memantau mutasi rekening, Maspion Electronic Banking (MEB) Banking (MEB), and an auto-debit facility to pay phone and
serta fasilitas autodebet untuk membayar tagihan telepon electricity bills. Karya Plus Saving is included with free personal
dan listrik. Adapun untuk Tabungan Karya Plus memiliki manfaat premium accident insurance.
tambahan gratis premi asuransi kecelakaan diri.
Tabungan Auto Saving Plan Auto Saving Plan Savings
Tabungan berjangka yang menggunakan metode pembayaran Term savings that use a monthly payment method with a
bulanan dengan jangka waktu dan jumlah setoran yang telah predetermined period and deposit amount. This Auto Saving
ditetapkan di awal. Tabungan Auto Saving Plan ini memiliki Plan has the advantage of free administration fees during
keuntungan bebas biaya administrasi selama periode menabung the saving period and customers are allowed to join more
dan nasabah diperbolehkan untuk mengikuti lebih dari 1 than 1 account. Available in terms of 12, 24, and 36 months.
rekening. Tersedia dalam jangka waktu 12, 24, dan 36 bulan.
Deposito Time Deposits
Simpanan berjangka bagi nasabah perorangan dan perusahaan Time deposits for individuals and corporate customers in
dalam mata uang Rupiah maupun US Dollar dengan suku Rupiah and US Dollar with available competitive interest rate
bunga yang kompetitif dengan jangka waktu 1, 3, 6 atau 12 for 1, 3, 6, or 12 months’ tenure.
bulan.
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Profil Perusahaan
Company Profile
Maspion Save Maspion Save
Maspion Save merupakan sertifikat atas unjuk/tanpa nama Maspion Save is a certificate of appointment /no name with
dengan nominal tertentu dengan jangka waktu 1 atau 3 bulan a specific nominal with term of 1 or 3months with advance
dengan pembayaran bunga didepan serta pencairan dapat interest payments, disbursements at all branches of the Bank
dilakukan di semua cabang Bank dan dapat dihadiahkan and can be awarded to other parties.
kepada pihak lain.
Tabungan Thai Baht Thai Baht Saving Account
Tabungan Thai Baht adalah pilihan ideal bagi Anda yang Thai Baht Saving Account is the ideal choice for those who
memerlukan layanan tabungan dalam mata uang Thai Baht. require savings services in Thai Baht. Specifically designed
Dirancang khusus untuk memudahkan transaksi remittance, to facilitate remittance transactions, this savings account can
tabungan ini dapat digunakan oleh Warga Negara Indonesia be used by Indonesian citizens (WNI) and foreigners (WNA).
(WNI) maupun Warga Negara Asing (WNA). Dengan kemudahan With the convenience of free outgoing remittance fees to
bebas biaya outgoing remittance ke Thailand dan bebas biaya Thailand and free full amount fees for transfers above 300,000
full amount untuk transfer di atas 300,000 THB ke THB to KASIKORNBANK, this product offers a practical and
KASIKORNBANK, produk ini menawarkan solusi praktis dan cost-effective solution for your financial needs.
hemat untuk kebutuhan finansial Anda.
Tabungan CNY CNY Saving Account
Tabungan CNY adalah produk simpanan dalam mata uang CNY Saving Account is a Chinese Yuan denominated savings
Chinese Yuan yang dirancang untuk mempermudah transaksi product designed to simplify your remittance transactions.
remittance Anda. Dengan berbagai keuntungan, termasuk With various benefits, including free outgoing remittance fees
bebas biaya outgoing remittance ke China dan bebas biaya to China and free full amount fees for transfers of at least
full amount untuk transfer minimal 150,000 CNY ke 150,000 CNY to KASIKORNBANK in Mainland China, this
KASIKORNBANK di China Mainland, tabungan ini menjadi savings account is the best choice to fulfill your financial
pilihan terbaik untuk memenuhi kebutuhan finansial Anda needs with China. Enjoy the convenience of more efficient
dengan China. Nikmati kemudahan transaksi yang lebih efisien and cost-effective transactions with CNY Savings.
dan hemat bersama Tabungan CNY.
2. MASPION ELECTRONIC BANKING (MEB) 2. MASPION ELECTRONIC BANKING (MEB)
MEB merupakan fitur pelengkap layanan transaksi perbankan MEB may be accessed 24 hours and 7 days a week anywhere
yang dapat diakses selama 24 jam 7 hari dimana saja dan and anytime, availables in 2 service formats:
kapan saja, tersedia dalam 2 jenis format layanan yaitu:
a. Internet Banking a. Internet Banking
Fasilitas yang memudahkan nasabah mengakses A facility that allows customers to access a wide
berbagai pilihan transaksi perbankan baik melalui selection of banking transactions through computers
perangkat komputer maupun smartphone secara or smartphones, directly, independently, and real-time.
langsung, mandiri dan real time. Internet banking Internet Banking offers two optional features based
menawarkan dua pilihan fitur berdasarkan kebutuhan on the limit of transaction and service types needed:
limit dan layanan transaksi:
• Internet Banking Individual Diperuntukkan bagi • Individual Internet Banking For individual customers
nasabah perorangan dengan berbagai pilihan with a wide selection of transactions such as
transaksi seperti transfer dana antar bank melalui interbank funds transfer through the PRIMA/SKN/
jaringan PRIMA/SKN/RTGS, pemindahbukuan, RTGS networks, over booking, balance inquiry,
informasi saldo, informasi mutasi rekening, transaction history, regular payment, purchase,
pembayaran rutin, pembelian, dan penempatan and placement of online deposits.
deposito online.
• Internet Banking Bisnis Diperuntukkan bagi nasabah • Business Internet Banking For individuals and
perorangan dan perusahaan yang menginginkan corporates customers who need a bigger limit of
limit transaksi yang lebih besar serta layanan cash transactions and cash management services.
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management. Internet Banking Bisnis menawarkan Business Internet Banking offers a wide selection
berbagai pilihan transaksi seperti transfer dana of transactions such as interbank funds transfer
antar bank melalui jaringan PRIMA/JALIN, SKN-BI, through PRIMA/ JALIN,SKN-BI,RTGS-BI networks,
RTGS-BI, pemindahbukuan, informasi saldo, overbooking, balance inquiry, transaction history,
informasi mutasi rekening, pembayaran rutin, regular payment, purchase, and placement of
penempatan deposito online , payroll, SWEEP-IN, online deposits, payroll, SWEEP-IN, SWEEP-OUT,
SWEEP-OUT, dan sweep balance. Fasilitas ini and sweep balance. This facility includes a tiered
dilengkapi dengan sistem otorisasi berjenjang authorization system to provide more secure
sehingga keamanan transaksi lebih terjaga. transactions.
b. Mobile Banking b. Mobile Banking
Fasilitas yang memudahkan nasabah perorangan A facility that allows individual customers to access a
mengakses berbagai pilihan transaksi perbankan wide selection of banking transactions such as interbank
seperti transfer dana antar bank melalui switching funds transfer through the PRIMA/ JALIN, SKN-BI,
jaringan PRIMA/JALIN, SKN-BI, RTGS-BI, RTGS-BI network, overbooking, balance inquiry,
pemindahbukuan, informasi saldo, informasi mutasi transaction history, purchases, and regular payments
rekening, pembelian, dan pembayaran rutin melalui through smartphones directly, independently, and
smartphone secara langsung, mandiri dan real time. real-time.
3. PAYROLL 3. PAYROLL
Maspion Auto Payroll Service (MAPS) Maspion Auto Payroll Service (MAPS)
Merupakan layanan yang disediakan bagi nasabah perorangan MAPS is a banking service to support individual and corporate
dan perusahaan untuk mengelola penggajian karyawannya customers in managing monthly employees’ payroll through
setiap bulan secara rutin yang dilakukan dengan cara autodebet auto-debit to the customers’ accounts.
terhadap rekening nasabah.
4. MASPION VIRTUAL ACCOUNT (MAVA) 4. MASPION VIRTUAL ACCOUNT (MAVA)
Maspion Virtual Account (MAVA) Maspion Virtual Account (MAVA)
Virtual Account adalah nomor identifikasi yang disediakan Virtual Account is an identification number provided by the
Bank untuk pelanggan/mitra bisnis nasabah yang dibuka oleh Bank to the clients/customers’ business partner, which is
Bank atas permintaan nasabah dan untuk selanjutnya diberikan opened by the Bank based on customers’ request and
oleh nasabah kepada pelanggan/mitra bisnisnya sebagai subsequently handed over by customers to their clients/
nomor rekening tujuan penerimaan (collection). Virtual account business partners as the collection account number destination.
memberikan kemudahan bagi nasabah meliputi: A virtual account provides convenience for customers, including:
• Informasi transaksi secara real time. • Real-time transaction information.
• Nasabah dapat mengidentifikasi penerimaan dana • Customers can identify the receipt of the funds easily
dengan mudah dan cepat. and quickly.
• Rekonsiliasi lebih mudah karena seluruh penerimaan • Reconciliation is easier because the entire receipt of
dana teridentifikasi pengirimnya. funds sender can be identified.
Maspion E-Collection Maspion E-Collection
Fitur yang membantu pengguna MAVA dalam proses penagihan A feature that helps MAVA users in the collection process to
pembayaran (collection) kepada para pelanggan nasabah customer’s clients with various advantages such as:
dengan berbagai keuntungan seperti:
• Dapat memantau keberadaan pembayaran secara real • Accessibility to monitor the payments in real-time
time dimulai saat diterima. starting when received.
• Meminimalisir risiko cash in transit karena dana langsung • Minimize cash in transit risk because funds are
ditransfer ke rekening nasabah (tidak terdapat aliran transferred directly to the customers’ account (no cash
tunai). flow).
• Nasabah akan menerima rekonsiliasi pembayaran • Customers will receive are conciliation of the payment
yang diterima terhadap faktur penjualan. received on the invoice
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Profil Perusahaan
Company Profile
5. LENDING 5. LENDING
Kredit Modal Kerja Working Capital Loan
Pinjaman untuk membiayai kebutuhan modal kerja baik untuk Loan facility to support customers’ working capital needs,
perorangan maupun perusahaan. Jangka waktu pinjaman both for individual and corporate customers. The loan period
sesuai dengan siklus usaha nasabah dan dapat diperpanjang is corresponded to the customer’s business cycle and may
pada saat jatuh tempo. be renewed upon expiration.
Kredit Investasi Investment Loan
Pinjaman untuk membiayai pembelian barang modal atau Loan facility to support customers’ capital expenditure or
investasi usaha seperti pembangunan pabrik, pembelian business investment such as factory construction or purchase
tempat usaha, mesin, dan lain-lain. Pelunasan pinjaman of business premises, machinery, and others. This loan facility
dilakukan secara angsuran dalam jangka waktu tertentu sesuai is paid through instalments within a period based on customers’
dengan kemampuan pembayaran nasabah. repayment capacity.
Kredit Konsumsi Consumer Loan
Pinjaman untuk kebutuhan pembelian dan renovasi rumah, Loan facility for house purchase and renovation, education
pembiayaan pendidikan dan kebutuhan lainnya yang bersifat fund, and other consumptive needs that can be paid with
konsumtif yang dapat diangsur dalam jangka waktu tertentu instalments suitable with customer’s ability.
dengan jumlah angsuran sesuai kemampuan nasabah.
Kredit Kepemilikan Mobil Car Loan
Pinjaman yang menawarkan berbagai macam program alternatif Loans that offer various alternative loan and instalment
kredit dan cicilan sehingga nasabah akhirnya dapat memiliki programs so that customers may have their dream car. This
mobil impian. Fasilitas kredit ini berlaku untuk semua merek loan facility applies to all brands and types of cars.
dan tipe mobil.
6. PRODUK LAYANAN PERDAGANGAN 6. TRADE SERVICE PRODUCT
IMPOR IMPORT
Letter Of Credit (L/C) Letter of Credit (L/C)
Jaminan pembayaran yang diterbitkan Bank atas permintaan The Bank issues a payment guarantee at customers’ (importers)
nasabah (importir) yang ditujukan kepada beneficiary (eksportir). request for the benefit of the beneficiary (exporters).
Surat Kredit Berdokumen Dalam Negeri (SKBDN) Domestic Letter of Credit
Jaminan pembayaran yang diterbitkan Bank atas permintaan A payment guarantee issued by the Bank based on customer’s
nasabah (pembeli) yang ditujukan kepada beneficiary (penjual) (buyer) request for the benefit of the beneficiary (seller) in
di wilayah Indonesia. Indonesia.
Penagihan Dokumen Impor Import Documentary Collection
Layanan pengurusan penagihan dokumenter tanpa jaminan A service to handle documentary collection without payment
pembayaran yang disediakan kepada nasabah sebagai undertaking which is provided to customer as buyer.
pembeli.
EKSPOR EXPORT
Penerusan Letter of Credit or SKBDN Letter of Credit or SKBDN Advising
Layanan penerusan Letter of Credit atau SKBDN kepada A service to advice Letter of Credit or SKBDN to customer as
nasabah eksportir atau penjual. exportir or seller.
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Penagihan Dokumen Ekspor atas Letter of Credit or SKBDN Collection of Export Documentary against letter of Credit
or SKBDN
Layanan pengurusan penagihan dokumen atas Letter of Credit A service to handle export documentary collection against
atau SKBDN kepada bank penerbit untuk kepentingan nasabah Letter of Credit or SKBDN to Issuing Bank on behalf of customer
sebagai penerima Letter of Credit atau SKBDN. as Letter of Credit or SKBDN beneficiary.
GARANSI GUARANTEE
Bank Garansi Bank Guarantee
Jaminan pembayaran yang diberikan oleh Bank kepada pihak A guaranteed payment provided to the beneficiary in case
penerima jaminan apabila nasabah yang dijamin tidak dapat the applicant fails to meet its obligation under the contract.
memenuhi kewajiban sesuai kontrak.
Standby Letter of Credit Standby Letter of Credit
Jaminan pembayaran kepada penerima Standby Letter of Payment undertaking to Standby Letter of Credit to beneficiary
Credit atas suatu kegagalan atau wanprestasi nasabah terhadap against customer’s default to fulfil its obligation under a
suatu kontrak. contract.
7. PRODUK PEMBIAYAAN PERDAGANGAN 7. TRADE FINANCE PRODUCT
Trust Receipt Finance Trust Receipt Finance
Pembiayaan yang diberikan kepada nasabah importir atau A financing provided to customer as importer or buyer to fulfil
pembeli untuk pelaksanaan nasabah atas pembayaran tagihan customer’s obligation to pay documentary collection against
dokumenter, baik dengan Letter of Credit atau SKBDN, atau Letter of Credit or SKBDN, or without Letter of Credit or SKBDN.
tanpa Letter of Credit atau SKBDN.
Negosiasi atau Diskonto Tagihan Dokumen Ekspor Negotiation or Discounting against Documentary
atas Letter of Credit atau SKBDN Export Bill under Letter of Credit or SKBDN
Pembiayaan yang diberikan kepada nasabah eksportir atau A financing provided to customer as exporter or seller to have
penjual untuk mendapatkan pembayaran Letter of Credit atau upfront Letter of Credit or SKBDN payment
SKBDN lebih cepat.
8. FASILITAS DAN LAYANAN LAIN 8. OTHER FACILITIES AND SERVICES
Multiple Transfer Multiple Transfers
Multiple Transfer merupakan jasa pengiriman uang yang Multiple Transfers is a transfer service conducted for and by
dilaksanakan untuk dan atas permintaan nasabah Giro. Layanan request of Current Account customer. This service consists
ini terdiri dari: of:
• Easy Multi Transfer, ditujukan bagi nasabah yang sering • Easy Multi Transfer, for customers who often perform
melakukan transaksi transfer antar bank. funds transfers to other banks.
• Easy Overbooking, ditujukan bagi nasabah yang sering • Easy Overbooking, dedicated to customers who often
melakukan pemindahbukuan ke berbagai rekening di perform overbooking transactions across Bank Maspion
Bank Maspion. accounts.
Payment Point Payment Point
Melalui Payment Point nasabah dapat melakukan berbagai Customers may perform various payment transactions through
macam transaksi pembayaran seperti tagihan telepon, tagihan payment points such as phone bills, electricity bills, and tax
listrik dan pembayaran pajak. Pembayaran dapat dilakukan payments. Payment can be made through tellers, auto-debit
melalui sarana teller, autodebet rekening, maupun ATM. facilities, or ATMs.
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Profil Perusahaan
Company Profile
Information Service Assistant (ISA) Call Information Service Assistant (ISA) Call
Akses layanan informasi perbankan untuk nasabah melalui Access of banking information for customers through phone
telepon yang dipandu dan ditangani oleh staf Bank. ISA call guided and handled by the Bank’s staff. ISA call delivers
menyampaikan informasi produk, informasi saldo, informasi information on products, balance inquiries, transactions
transaksi, permintaan warkat, informasi suku bunga dan valuta information, check request, interest rate and foreign currency
asing selama 24 jam sehari, 7 hari dalam seminggu. ISA call information within 24 hours and 7 days a week. ISA call staffs
juga menerima segala keluhan dan saran nasabah. also accommodate customers’ complaints and suggestions.
Safe Deposit Box (SDB) Safe Deposit Box (SDB)
Fasilitas persewaan kotak penyimpanan surat/barang berharga Safe boxes renting services in various sizes according to
milik nasabah dalam suatu ruangan khusus dan tersedia dalam customer needs to protect customers’ important documents
berbagai ukuran sesuai dengan kebutuhan nasabah. and/or goods.
Pick Up-Service Pick Up-Service
Layanan yang diberikan Bank kepada nasabah tertentu yang One of the services provided by the Bank for selected customers
membutuhkan layanan manajemen kas. who need cash management services.
Kas Mobil Cash Vehicle
Kegiatan pelayanan kas yang disiapkan Bank untuk Cash services are provided by the Bank to accommodate
mengakomodir kebutuhan nasabah dalam bertransaksi customers’ needs to perform banking transactions. This facility
perbankan. Fasilitas ini memungkinkan Bank menjangkau enables the Bank to reach trading centres, schools, and other
lokasi-lokasi seperti pusat-pusat perdagangan, sekolah-sekolah locations. Cash Vehicle is equipped with customer service,
maupun lokasi lainnya. Kas Mobil dilengkapi dengan customer counter teller, and ATM units to support account opening,
service, konter teller dan ATM, sehingga dapat menerima cash deposit transactions, cash withdrawals, funds transfers,
pembukaan rekening, transaksi setoran tunai, penarikan tunai, and bill payments (electricity, tax, and phone).
pengiriman uang dan pembayaran tagihan (listrik, pajak, dan
telepon).
Cash Recycle Machine (CRM) Cash Recycle Machine (CRM)
Fasilitas yang disediakan Bank kepada nasabah dalam A facility offered to the customer in making transactions not
melakukan transaksi tidak hanya penyetoran tunai tetapi juga only cash deposit but also cash withdrawal and other non-
tarik tunai dan transaksi non tunai lainnya yang dapat dilakukan cash transactions which can be made 24 hours a day.
selama 24 jam.
Maspion QR Maspion QR
Maspion QR adalah layanan perbankan milik Bank Maspion Maspion QR is a banking service owned by Bank Maspion
yang digunakan untuk penerimaan transaksi pembayaran that is used to accept payment transactions through the Quick
melalui sistem Quick Response (QR) dengan berbasis QRIS Response (QR) system based on QRIS (Quick Response
(Quick Response Indonesia Standard). Bank Maspion akan Indonesia Standard). Bank Maspion will act as Issuer and
bertindak sebagai Penerbit (Issuer) dan Acquirer. Dengan 2 Acquirer. With 2 types owned, namely:
jenis yang dimiliki yakni:
• QR Statis: QR yang hanya menampilkan data merchant • Static QR: QR that only displays merchant data, so the
saja, sehingga nominal pembayaran harus diinput oleh nominal payment must be inputted by the QR user.
pengguna QR. Media QR statis berbentuk sticker atau Static QR media is in the form of a sticker or tentcard
tentcard yang dipasang di counter merchant. installed at the merchant counter.
• QR Dinamis: QR yang menampilkan data merchant • Dynamic QR: QR that displays merchant data and
serta nominal transaksi sehingga pengguna QR dapat transaction nominal so that QR users can directly make
langsung melakukan transaksi pembayaran melalui payment transactions through mobile applications.
aplikasi mobile.
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Wilayah Operasional
Operational Areas [OJK C3] [GRI 2-1]
MEDAN
PALEMBANG
JAKARTA
SURABAYA
MAKASSAR
BALI
BANDUNG
PURWOKERTO
JEMBER
SEMARANG
MALANG
SOLO
Jaringan Kantor (Per 31 Desember 2024)
Office Network (As of December 31, 2024)
1 14 36 3 63 2
Kantor Pusat Kantor Cabang Cabang Kantor Unit ATM Unit CRM
Head Office Branch Offices Pembantu Fungsional Units of ATM Units of CRM
Sub- Branch Functional Office
Offices
PT Bank Maspion Indonesia Tbk
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Profil Perusahaan
Company Profile
Wilayah Surabaya | Surabaya Area
No Status Nama Kantor Lokasi
Status Office Name Location
1 Kantor Pusat & Kantor Fungsional Pakuwon Tower
Head Office & Functional Office Tunjungan Plaza 6 Lt. 32 & 33
Jl. Embong Malang, No. 21-31,
Kel. Kedungdoro, Kec. Tegalsari
Surabaya 60261
2 Kantor Fungsional KF Pakuwon Tower Tunjungan Plaza 6 Lt. 32 & 33. Jl Embong Malang
Functional Office No 21 - 31, Kel Kedungdoro, Kec Tegalsari
Surabaya
3 Kantor Cabang Cabang Basuki Rahmat Jl. Basuki Rahmat No. 50-54, Surabaya
Branch Office
4 Kantor Cabang Cabang Manyar Jl. Manyar No. 57 - 57A, Surabaya
Branch Office
5 Kantor Cabang Pembantu Capem Kembang Jepun Jl. Kembang Jepun No. 38-40, Surabaya
Sub-Branch Office
6 Kantor Cabang Pembantu Capem Manukan Jl. Manukan Tama AIII/1, Surabaya
Sub-Branch Office
7 Kantor Cabang Pembantu Capem Kapas Krampung Jl. Kapas Krampung 97 C, Surabaya
Sub-Branch Office
8 Kantor Cabang Pembantu Capem Turimas Pertokoan Turi Mas, Jl. Semarang No. 142,
Sub-Branch Office Surabaya
9 Kantor Cabang Pembantu Capem Pasar Atum Pasar Atum Mall Lantai IV Stand No FS-1-5, Jl.
Sub-Branch Office Bunguran No. 45 Surabaya
10 Kantor Cabang Pembantu Capem Puncak Bukit Golf Ruko Puncak Bukit Golf Unit RBR, Jl Bukit Darmo
Sub-Branch Office Boulevard No. 1 Surabaya
11 Kantor Cabang Pembantu Capem Rungkut Jl. Rungkut Kidul Industri No. 64A, Surabaya
Sub-Branch Office
12 Kantor Cabang Pembantu Capem Merr Ruko Icon 21 Dr Ir H Soekarno No. R 39/207 N,
Sub-Branch Office Surabaya
13 Kantor Cabang Pembantu Capem Pepelegi Jl. Raya Pepelegi Kav. 5, Waru, Sidoarjo
Sub-Branch Office
14 Kantor Cabang Pembantu Capem Sidoarjo Komp. Ruko Plaza Sidoarjo, Jl. Ahmad Yani No.
Sub-Branch Office 41-C, Sidoarjo
15 Kantor Cabang Pembantu Capem Sepanjang Jl. Raya Kalijaten (Komplek Alfamidi), Sepanjang,
Sub-Branch Office Sidoarjo
16 Kantor Cabang Pembantu Capem Gresik Jl. Dr. Soetomo No. 82-84, Gresik
Sub-Branch Office
17 Kantor Cabang Pembantu Capem Bromo Jl. Bromo I/7-9, Surabaya
Sub-Branch Office
18 Kantor Cabang Pembantu Capem Citraland Ruko North Junction RB/02, Jl. Taman Puspa Raya,
Sub-Branch Office Surabaya
19 Kantor Cabang Pembantu Capem RS Vincentius A Paulo Rumah Sakit Vincentius (RKZ) Jl. Diponegoro,
Sub-Branch Office (RKZ) Surabaya
20 Kantor Cabang Pembantu Capem Mobil Basuki Rahmat Jl. Basuki Rahmat No. 50-54, Surabaya
Sub-Branch Office
21 Kantor Cabang Pembantu Capem Mobil 2 Basuki Rahmat Jl. Basuki Rahmat No. 50-54, Surabaya
Sub-Branch Office
22 Kantor Cabang Pembantu Capem Mobil 3 Basuki Rahmat Jl. Basuki Rahmat No. 50-54, Surabaya
Sub-Branch Office
23 Kantor Cabang Pembantu Capem Mobil 4 Basuki Rahmat Jl. Basuki Rahmat No. 50-54, Surabaya
Sub-Branch Office
24 Kantor Cabang Pembantu Capem Santa Agnes Jl. Mendut No. 07, Surabaya
Sub-Branch Office
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Wilayah Malang | Malang Area
Status Nama Kantor Lokasi
No
Status Office Name Location
1 Kantor Cabang Cabang Zainul Arifin Jl. K.H. Zainul Arifin No. 91-93, Malang
Branch Office
2 Kantor Cabang Pembantu Capem RS Wava Husada Jl. Panglima Sudirman No. 99A, Kepanjen, Malang
Sub-Branch Office
Wilayah Jakarta | Jakarta Area
Status Nama Kantor Lokasi
No
Status Office Name Location
1 Kantor Cabang Cabang Mangga Dua Jl. Mangga Dua Raya Blok E-4 No. 1, Jakarta Utara
Branch Office
2 Kantor Cabang Cabang Utama Serpong Jl. Raya Serpong 5853 (ruko WTC)- Tangerang
Branch Office
3 Kantor Cabang Pembantu Capem Kelapa Gading Jl. Kelapa Gading Boulevard Blok FV-1 No. 10-11
Sub-Branch Office Jakarta Utara
4 Kantor Cabang Pembantu Capem Gunung Sahari Maspion Plaza, Jl. Gunung Sahari No. 18, Jakarta
Sub-Branch Office Utara
5 Kantor Cabang Pembantu Capem Muara Karang Jl. Pluit Karang Blok Z4 Selatan Kav. 34, Jakarta
Sub-Branch Office Utara
6 Kantor Cabang Pembantu Capem Glodok Jl. Mangga Besar I Ruko Glodok Plaza Blok G No.
Sub-Branch Office 9, Jakarta Barat
7 Kantor Cabang Pembantu Capem Tanah Abang Tanah Abang Blok B Lt. 05 Los F No. 016, Jakarta
Sub-Branch Office Pusat
8 Kantor Cabang Pembantu Capem Bekasi Jl. A. Yani Blok A4-1, Kayuringin Jaya, Bekasi
Sub-Branch Office
9 Kantor Cabang Pembantu Capem TangCity Ruko Tangerang City, Bussiness Park Blok B No.
Sub-Branch Office 10 Jl. Jend. Sudirman No. 1
10 Kantor Cabang Pembantu KCP Mobil Mangga Dua Jl. Mangga Dua Raya Blok E-4 No. 1, Jakarta Utara
Sub-Branch Office
11 Kantor Cabang Pembantu KCP Mobil 2 Mangga Dua Jl. Mangga Dua Raya Blok E-4 No. 1, Jakarta Utara
Sub-Branch Office
12 Kantor Cabang Pembantu RS Dr Abdul Radjak Jl. Salemba Tengah No.24, Jakarta Pusat
Sub-Branch Office
13 Kantor Fungsional KF Pemasaran Pacific Century Pacific Century Place Building, 39th Floor SCBD
Functional Office Place Lot 10, Jl Jendral Sudirman Kav 52-53 Jakarta
14 Kantor Fungsional KF Operasional Pacific Century Pacific Century Place Building, 39th Floor SCBD
Functional Office Place Lot 10, Jl Jendral Sudirman Kav 52-53 Jakarta
Wilayah Bandung | Bandung Area
Status Nama Kantor Lokasi
No
Status Office Name Location
1 Kantor Cabang Cabang Utama Sunda Jl. Sunda No. 54-54A, Bandung
Branch Office
2 Kantor Cabang Pembantu Capem Kopo Jl. Kopo Bihpul No. 98, Bandung
Sub-Branch Office
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Profil Perusahaan
Company Profile
Wilayah Semarang | Semarang Area
Status Nama Kantor Lokasi
No
Status Office Name Location
1 Kantor Cabang Cabang Agus Salim Jl. H. Agus Salim Blok D No. 11-12, Semarang
Branch Office
2 Kantor Cabang Pembantu Capem Majapahit Jl. Majapahit No. 228D, Semarang
Sub-Branch Office
3 Kantor Cabang Pembantu KCP Mobil Agus Salim Jl. H. Agus Salim Blok D No. 11-12, Semarang
Sub-Branch Office
Wilayah Purwokerto | Purwokerto Area
Status Nama Kantor Lokasi
No
Status Office Name Location
1 Kantor Cabang Cabang Pierre Tendean Jl. Pierre Tendean Ruko Eks Kodim No. 57,
Branch Office Purwokerto
Wilayah Solo | Solo Area
Status Status Status
No
Status Status Status
1 Kantor Cabang Cabang Slamet Riyadi Jl. Brigjend Slamet Riyadi No. 129, Solo
Branch Office
Wilayah Medan | Medan Area
Status Nama Kantor Lokasi
No
Status Office Name Location
1 Kantor Cabang Cabang Medan Jl. Sutomo No. 48 - 50, Medan
Branch Office
2 Kantor Cabang Pembantu Cabang Nibung Jl. Kol. A. E. Kawilarang No. 6 (d/h Jl. Nibung
Sub-Branch Office Raya), Medan
Wilayah Denpasar | Denpasar Area
Status Nama Kantor Lokasi
No
Status Office Name Location
1 Kantor Cabang Cabang Gatot Subroto Jl. Gatot Subroto 288 X, Denpasar
Branch Office Denpasar
2 Kantor Cabang Pembantu Capem Mobil Diponegoro Jl. Diponegoro No. 150 Blok B1 No. 1-2, Denpasar
Sub-Branch Office
Wilayah Makassar | Makassar Area
Status Nama Kantor Lokasi
No
Status Office Name Location
1 Kantor Cabang Cabang Ahmad Yani Jl. Ahmad Yani No. 11-12, Makassar
Branch Office
2 Kantor Cabang Pembantu Capem Wahidin Sudirohusodo Jl. Dr. Wahidin Sudirohusodo No.7 (d/h Jl. Irian),
Sub-Branch Office Makassar
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Wilayah Palembang | Palembang Area
Status Nama Kantor Lokasi
No
Status Office Name Location
1 Kantor Cabang Cabang Palembang Jl. Veteran No. 264 F-G, Palembang
Branch Office
2 Kantor Cabang Pembantu KCP Mobil Veteran Jl. Veteran No. 264 F-G, Palembang
Sub-Branch Office
Wilayah Jember | Jember Area
Status Nama Kantor Lokasi
No
Status Office Name Location
1 Kantor Cabang Cabang Jember Jl. Diponegoro No 14 Jember
Branch Office
Lokasi ATM | ATM Locations
Nama ATM Alamat Kota Provinsi
No
ATM Name Address City Province
1 ATM Merr,Surabaya Ruko Icon 21 Surabaya Jawa Timur
Jl. Dr Ir H Soekarno No. R 39/207 N
2 ATM Kalijaten -Sepanjang, Sda Jl. Raya Kalijaten (Komp. Alfamidi) Sepanjang, Sidoarjo Jawa Timur
Sidoarjo
3 ATM Rungkut Industri,Sby Jl. Rungkut kidul Industri 64A Surabaya Jawa Timur
4 ATM Maspion Square, Sby Jl. A. Yani no. 73 Surabaya Jawa Timur
5 ATM Citraland,Sby Ruko North Junction RB/02, Jl. Taman Puspa Surabaya Jawa Timur
Raya, Surabaya
6 ATM Pepelegi,Sby Jl. Raya Pepelegi Kav. 5, Waru Sidoarjo Jawa Timur
7 ATM Puncak Bukit Golf Ruko Puncak Bukit Golf Unit Rbr, Surabaya Jawa Timur
Jl. Bukit Darmo Boulevard No. 1 Surabaya
8 ATM Kembang Jepun,Sby Jl. Kembang Jepun 38-40 Surabaya Jawa Timur
9 ATM Dr.Sutomo,Gresik Jl. Dr. Soetomo 82-84 Gresik Jawa Timur
10 ATM Ahmad Yani, Sidoarjo Jl. A. Yani No. 41c Sidoarjo Jawa Timur
11 ATM KH. Zainul Arifin, Mlg KH. Zainul Arifin No. 91-93 Malang Jawa Timur
12 ATM Manyar, Sby Jl. Manyar No. 57-57A, Surabaya Jawa Timur
13 ATM RS. Vincentius A Paulo, Jl. Diponegoro, Sby (RKZ) Surabaya Jawa Timur
Sby
14 ATM RS. Vincentius A Paulo, Jl. Diponegoro, Sby (RKZ) Surabaya Jawa Timur
Sby
15 ATM Manukan Jl. Manukan Tama AIII/1, Surabaya Surabaya Jawa Timur
16 ATM Basuki Rahmat, Surabaya Jl. Basuki Rahmat 50-54 Surabaya Jawa Timur
17 ATM Kas Mobil Basuki Rahmat Jl. Basuki Rahmat 50-54 Surabaya Jawa Timur
18 ATM Kapas Krampung Jl. Kapas Krampung 97 C Surabaya 60133 Surabaya Jawa Timur
19 ATM Kelapa Gading, Jkt Jl. Kelapa Gading Boulevard Blok FV-1 Jakarta Utara DKI Jakarta
20 ATM A Yani, Bekasi Jl. A. Yani B lok A4-1, Kayuringin Jaya, Bekasi Bekasi Jawa Barat
21 ATM TangCity Ruko Tangerang City, Bussiness Park Blok B No. 10 Tangerang DKI Jakarta
Jl. Jend Sudirman No 1
22 ATM Mangga Dua, Jkt Jl Mangga Dua Raya Blok E-4 No. 1 Jakarta Utara DKI Jakarta
23 ATM Kas Mobil Mangga Dua Jl Mangga Dua Raya Blok E-4 No. 1 Jakarta Utara DKI Jakarta
24 ATM Serpong-Tangerang Jl. Raya Serpong 5853 (ruko WTC)-Tangerang Tangerang DKI Jakarta
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Profil Perusahaan
Company Profile
Nama ATM Alamat Kota Provinsi
No
ATM Name Address City Province
25 ATM Gunung Sahari , Jkt Maspion Plaza Jl. Gunung Sahari No. 18 Jakarta Utara DKI Jakarta
26 ATM Muara Karang, Jkt Jl. Pluit Karang blok Z4 Selatan Kav. 34 Jakarta Utara DKI Jakarta
27 ATM Glodok, Jkt Jl. Mangga Besar I Ruko Glodok Plaza Blok G No. Jakarta Pusat DKI Jakarta
9
28 ATM Majapahit, Smg Jl. Majapahit No. 228 D Semarang Jawa Tengah
29 ATM S.Riyadi, Solo Jl. Brigjend. Slamet Riyadi No. 129 Solo Jawa Tengah
30 ATM Agus Salim, Smg Komp. Pertokoan & Perkantoran JURNATAN Jl. H. Semarang Jawa Tengah
Agus Salim blok D no. 11-12
31 ATM Piere Tendean,Purwokerto Jl. Pierre Tendean Ruko Eks Kodim No. 57 Purwokerto Jawa Tengah
32 ATM Sutomo, Medan Jl. Sutomo No. 48-50 Medan Sumatera Utara
33 ATM Veteran, Palembang Jl. Veteran No. 264 F-G Palembang Palembang Sumatera Selatan
34 ATM Kopo, Bandung Jl. Kopo Bihbul No. 98 Bandung Jawa Barat
35 ATM Sunda 2, Bandung Jl. Sunda no. 54-54A, Bandung Bandung Jawa Barat
36 ATM Sunda, Bandung Jl. Sunda no. 54-54A, Bandung Bandung Jawa Barat
37 ATM Ahmad Yani, Makassar Jl. Ahmad Yani No. 11-12 Makasar Sulawesi Selatan
38 ATM Dr. Wahidin, Makassar Jl. Dr. Wahidin Sudirohusodo No. 7 Makasar Sulawesi Selatan
39 ATM Diponegoro, Denpasar Jl. Diponegoro 150 blok B1/1-2 Denpasar Bali
40 ATM KCP Pepelegi Jl. Raya Pepelegi Kav. 5, Waru Surabaya Jawa Timur
41 ATM Santa Agnes Jl. Mendut No.07 Surabaya Jawa Timur
42 ATM Kas Mobil Agus Salim Jl. H. Agus Salim Blok D No. 11-12 Semarang Semarang Jawa Tengah
43 ATM Kas Mobil Veteran Jl. Veteran no 264 F-G Palembang Palembang Sumatera Selatan
44 ATM Kas Mobil 2 Mangga Dua Jl Mangga Dua Raya Blok E-4 No. 1 Jakarta DKI Jakarta
Jakarta
45 ATM Kas Mobil Diponegoro Jl. Diponegoro 150 blok B1/1-2 Denpasar Bali
46 ATM Kas Mobil 2 Basuki Rahmat Jl. Basuki Rahmat 50-54 Surabaya Jawa Timur
Surabaya
47 ATM Nibung Medan Jl. Kol.A.E kawilarang no.06 Medan Medan Sumatera Utara
48 ATM Maspion Unit II Jalan R Muhammad Mangundiprojo Desa Banjar Surabaya Jawa Timur
Kemantren, Buduran, Kabupaten Sidoarjo 61252
- Indonesia
49 ATM Maspion Unit III Jl. Raya Sruni No. 48-50 Desa Sruni, Gedangan, Surabaya Jawa Timur
Kabupaten Sidoarjo 61254
50 ATM Maspion Unit IV Kawasan Maspion IV Jalan Romokalisari, Surabaya Jawa Timur
Benowo,Surabaya 60191 - Indonesia
51 ATM Maspion Unit V Jl. Raya Manyar Sukomulyo Km. 25 Manyar Surabaya Jawa Timur
Sidomukti, Manyar, Gresik 61151– Indonesia
52 ATM Maspion Unit I Jl. Raya Sawotratap ds. Sawotratap, Gedangan, Surabaya Jawa Timur
Kabupaten Sidoarjo 61254 - Indonesia
53 ATM PT Maspion Kencana JLl. KW Industri No MM2100, Gandamekar, Bekasi Jawa Barat
Cikarang Barat,Bekasi, Jawa Barat
54 ATM Stikes RKZ Jl. Jambi No 12 - 18 Darmo, Wonokromo, Surabaya Jawa Timur
Surabaya 60241, Jawatimur - Indonesia
55 ATM KH. Zainul Arifin, Mlg KH. Zainul Arifin No. 91-93, Malang Jawa Timur
56 ATM RKZ RSK ST.Vincentius A. Paulo Diponegoro 51 Surabaya Jawa Timur
57 ATM Capem Sidoarjo Jl. Ahmad Yani No. 41-C Sidoarjo Surabaya Jawa Timur
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Nama ATM Alamat Kota Provinsi
No
ATM Name Address City Province
58 ATM Universitas Hayam Wuruk JL Wonorejo Utara No 16 Surabaya Surabaya Jawa Timur
59 ATM KC Mangga dua 2 Jl Mangga Dua Raya Blok E-4 No. 1 Jakarta DKI Jakarta
60 ATM RS Husada Prasetya Jl Raya Ngijo No 25 Karaplongso Malang Jawa Timur
Malang
61 ATM RS Kasih Ibu Denpasar Jl Raya Teuku Umar 120 Denpasar Denpasar Bali
62 ATM KC Jember Jl Diponegoro 14 Jember Denpasar Bali
63 ATM Universitas Dharma UAB Jl. Mr. Sartono No.46, Cengklik, Nusukan, Kec. Surakarta Jawa Tengah
Surakarta Banjarsari, Kota Surakarta, Jawa Tengah
Lokasi CRM | CRM Locations
Nama CRM Alamat Kota Provinsi
No
CRM Name Address City Province
1 CRM Kantor Cabang Pembantu Pasar Atum Mall Lantai IV Stand No FS-1-5, Jl Surabaya Jawa Timur
Pasar Atum Bunguran No. 45 Surabaya
2 CRM Kantor Pusat Operasional Jl Basuki Rahmat 50-54 Surabaya Surabaya Jawa Timur
Keanggotaan Dalam Asosiasi
Membership in Business Associations [OJK C5] [GRI 2-28]
Hingga 31 Desember 2024 Bank Maspion telah terdaftar dalam As of December 31, 2024, Bank Maspion is registered as a
keanggotaan atau organisasi sebagaimana terlampir pada member in the following organizations or associations:
tabel berikut:
Nama Asosiasi Name of Association
No
Organisasi Organization
1 PERBANAS PERBANAS
Perhimpunan Bank Nasional Indonesian National Banks Association
2 FKLJKD FKLJKD
Forum Komunikasi Lembaga Jasa Keuangan Daerah Communication Forum for Regional Financial Services
Institutions
3 BMPD Jawa Timur BMPD East Java
Badan Musyawarah Perbankan Daerah East Java Regional Banking Consultative Agency
4 FKDKP FKDKP
Forum Komunikasi Direktur Kepatuhan Perbankan Compliance Director Communication Forum
5 ASPI ASPI
Asosiasi Sistem Pembayaran Indonesia Indonesian Payment System Association
6 LAPS SJK LAPS SJK
Lembaga Alternatif Penyelesaian Sengketa Sektor Jasa Keuangan The Alternative Dispute Resolution Institution for the
Financial Services Sector
7 AEI AEI
Asosiasi Emiten Indonesia Indonesian Public Listed Companies Association
PT Bank Maspion Indonesia Tbk
Integated Report 2024 69
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Profil Perusahaan
Company Profile
Perubahan Komposisi Dewan Komisaris dan Direksi
Changes in the Board of Commissioners
and the Board of Directors Composition
Hingga akhir tahun buku 2024, tidak terdapat perubahan Until the end of the 2024 fiscal year, there has been no change
komposisi Dewan Komisaris dan Direksi Perseroan. Dengan in composition of the Company’s Board of Commissioners
demikian, komposisi Dewan Komisaris dan Direksi hingga 31 and Board of Directors. Thus, the composition of the Board
Desember 2024 adalah sebagai berikut: of Commissioner and Board of Directors as of December 31,
2024 is as follows:
Dewan Komisaris
Board of Commissioner
Nama Jabatan Dasar Pengangkatan
Name Position Appointment Decree
Chat Luangarpa Komisaris Utama Rapat Umum Pemegang Saham Luar Biasa pada tanggal 15 September 2022.
President Commissioner Extraordinary General Meeting of Shareholders on September 15, 2022.
Diana Alim Komisaris Rapat Umum Pemegang Saham Tahunan pada tanggal 25 Agustus 2020.
Commissioner Annual General Meeting of Shareholders on August 25, 2020.
Alan Jenviphakul Komisaris Independen Rapat Umum Pemegang Saham Luar Biasa pada tanggal 15 September 2022.
Independent Commissioner Extraordinary General Meeting of Shareholders on September 15, 2022.
Pardi Kendy Komisaris Independen Rapat Umum Pemegang Saham Luar Biasa pada tanggal 15 September 2022.
Independent Commissioner Extraordinary General Meeting of Shareholders on September 15, 2022.
M. Pujiono Santoso Komisaris Independen Rapat Umum Pemegang Saham Luar Biasa pada tanggal 15 September 2022.
Independent Commissioner Extraordinary General Meeting of Shareholders on September 15, 2022.
Direksi
Board of Director
Nama Jabatan Dasar Pengangkatan
Name Position Appointment Decree
Kamseri Charoensiddhi Direktur Utama Rapat Umum Pemegang Saham Luar Biasa pada tanggal 15 September
Presiden Director 2022.
Extraordinary General Meeting of Shareholders on September 15, 2022.
Endah Winarni Direktur Marketing Rapat Umum Pemegang Sahan Tahunan pada tanggal 25 Agustus 2020.
Business Director Annual General Meeting of Shareholders on August 25, 2020.
Iis Herijati Direktur Operasional Rapat Umum Pemegang Saham Luar Biasa pada tanggal 5 Desember
Operational Director 2022.
Extraordinary General Meeting of Shareholders on December 5, 2022.
Viktor Ebenheizer Direktur Kepatuhan & Legal Rapat Umum Pemegang Saham Luar Biasa pada tanggal 5 Desember
Fanggidae Compliance and Legal Director 2022.
Extraordinary General Meeting of Shareholders on December 5, 2022.
Ivan Adrian Direktur Kredit dan Risiko Rapat Umum Pemegang Saham Luar Biasa pada tanggal 5 Desember
Sumampouw Credit & Risk Director 2022.
Extraordinary General Meeting of Shareholders on December 5, 2022.
Hingga akhir tahun 2024, tidak terdapat perubahan dalam Until the end of 2024, there were no changes in the composition
susunan Dewan Komisaris dan Direksi Perseroan. Namun, of the Company's Board of Commissioners and Board of
pada awal bulan Desember 2024, anggota Direksi Perseroan, Directors. However, in early December 2024, a member of
Bapak Ivan Adrian Sumampouw, secara resmi menyampaikan the Company's Board of Directors, Mr. Ivan Adrian Sumampouw,
pengunduran dirinya dari jabatannya. Pengunduran diri tersebut officially submitted his resignation from his position. The
akan efektif hingga pelaksanaan Rapat Umum Pemegang resignation will be effective until the implementation of the
Saham (RUPS) terdekat, sebagaimana diatur dalam ketentuan nearest General Meeting of Shareholders (GMS), as stipulated
Anggaran Dasar Perseroan dan peraturan yang berlaku. in the provisions of the Company's Articles of Association and
applicable regulations.
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PT Bank Maspion Indonesia Tbk
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Profil Perusahaan
Company Profile
Profil Dewan Komisaris
The Board of Commissioners’ Profile
Chat Luangarpa
Jabatan | Position
Komisaris Utama | President Commissioner
Kewarganegraan | Nationality
Thailand
Usia | Age
47 tahun | 47 years old
Beliau memiliki pengalaman yang luas di bidang manajemen perbankan He has extensive experience in banking management over the years.
selama bertahun-tahun. Beliau mendorong ekspansi regional KBank, He has driven KBank’s regional expansion strategy, which involves
yang melibatkan pembukaan bisnis baru di negara-negara AEC+3. opening new business frontiers in AEC+3 countries.
Riwayat Pekerjaan Educational Background
• Bachelor of Engineering Chulalongkorn University, Thailand • Bachelor of Engineering Chulalongkorn University, Thailand
(1998). (1998).
• Master of Business Administration University of Queensland • Master of Business Administration University of Queensland
Brisbane, Australia (2004). Brisbane, Australia (2004).
Riwayat Pekerjaan Working History
• True Corporation PCL., (2006 – 2007) • True Corporation PCL., (2006 – 2007)
• Seamico Securities PCL., (2007 – 2008) • Seamico Securities PCL., (2007 – 2008)
• Assistant Vice President - Kasikorn Bank Public Company • Assistant Vice President - Kasikorn Bank Public Company
Limited (2008-2009) Limited (2008-2009)
• Vice President - Kasikorn Bank Public Company Limited • Vice President - Kasikorn Bank Public Company Limited
(2009-2011) (2009-2011)
• First Vice President - Kasikorn Bank Public Company Limited • First Vice President - Kasikorn Bank Public Company Limited
(2011-2013) (2011-2013)
• Senior Vice President - Kasikorn Bank Public Company Limited • Senior Vice President - Kasikorn Bank Public Company Limited
(2013-2017) (2013-2017)
• First Senior Vice President - Kasikorn Bank Public Company • First Senior Vice President - Kasikorn Bank Public Company
Limited (2017-2020) Limited (2017-2020)
• Executive Vice President - Kasikorn Bank Public Company • Executive Vice President - Kasikorn Bank Public Company
Limited (2020 – sekarang) Limited (2020 - present)
• Direktur KASIKORN VISION CO., LTD., Kasikorn Vision CO. LTD • Director KASIKORN VISION CO., LTD., Kasikorn Vision CO.
(2008 – sekarang) LTD (2008 - present)
• Direktur Kasikorn Vision Financial PTE. LTD (2021 – sekarang) • Director Kasikorn Vision Financial PTE. LTD (2021 – present)
• Komisaris Utama PT Bank Maspion Indonesia Tbk • President Commissioner PT Bank Maspion Indonesia Tbk
(2022 – sekarang) (2022 – present)
Rangkap Jabatan Concurrent Position
• Direktur KASIKORN VISION FINANCIAL COMPANY PTE. LTD • Director KASIKORN VISION FINANCIAL COMPANY PTE. LTD
(sejak 2021) (since 2021)
• Wakil Presiden Eksekutif World Business Group • Executive Vice President World Business Group
KASIKORNBANK PCL (sejak 2020) KASIKORNBANK PCL (since 2020)
• Direktur KASIKORN VISION CO., LTD (sejak 2008) • Director KASIKORN VISION CO., LTD (since 2008
Dasar Pengangkatan Legal Basis for Appointment
Rapat Umum Pemegang Saham Luar Biasa pada tanggal 15 Extraordinary General Meeting of Shareholders on September 15,
September 2022. 2022.
Hubungan Afiliasi Affiliation
Memiliki hubungan afiliasi dengan pemegang saham pengendali, Has an affiliation with the controlling shareholder but has no
namun tidak memiliki hubungan afiliasi dengan sesama anggota affiliation with fellow members of the Commissioners and
Komisaris maupun Direksi. Directors.
PT Bank Maspion Indonesia Tbk
72 Laporan Tahunan Terintegrasi 2024
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Diana Alim
Jabatan | Position
Komisaris | Commissioner
Kewarganegraan | Nationality
Indonesia
Usia | Age
36 tahun | 36 years old
Beliau memiliki pengalaman cukup panjang pada perusahaan Maspion She has quite a long experience at the Maspion Group company, in
Group, dalam menjalankan bisnis Perseroan dengan nilai-nilai running the Company's business with company values.
perusahaan.
Riwayat Pendidikan Educational Background
• Bachelor of Architecture Iowa State University, Amerika Serikat • Bachelor of Architecture Iowa State University, United State of
(2012). America (2012).
• Associate Degree Shanghai International Studies University • Associate Degree Shanghai International Studies University
(2013). (2013).
Riwayat Pekerjaan Working History
• Direktur Utama PT Marindo Boga (2014-sekarang) • President Director PT Marindo Boga (2014-present)
• Asisten Presiden Direktur PT Maspion (2013-2015) • Assistant President Director PT Maspion (2013-2015)
• General Manager Bank Maspion (2015-2017) • General Manager Bank Maspion (2015-2017)
• Komisaris PT Bank Maspion Indonesia Tbk (2023-sekarang) • Commissioner PT Bank Maspion Indonesia Tbk (2023-present)
Rangkap Jabatan Concurrent Position
• Direktur Utama PT Marindo Boga (sejak 2014). • President Director PT Marindo Boga (since 2014).
Dasar Pengangkatan Legal Basis for Appointment
Rapat Umum Pemegang Saham Tahunan pada tanggal 25 Agustus Annual General Meeting of Shareholders on August 25, 2020.
2020.
Hubungan Afiliasi Affiliation
Memiliki hubungan afiliasi dengan pemegang saham, namun tidak Has an affiliation with the shareholder but has no affiliation with
memiliki hubungan afiliasi dengan sesama anggota Komisaris fellow members of the Commissioners and Directors.
maupun Direksi.
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Profil Perusahaan
Company Profile
Alan Jenviphakul
Jabatan | Position
Komisaris Independen | Independent Commissioner
Kewarganegraan | Nationality
Thailand
Usia | Age
53 tahun | 53 years old
Beliau adalah seorang veteran perbankan yang pengalaman He is a banking veteran whose banking experience encompasses
perbankannya mencakup aktivitas perbankan korporasi, ritel, dan corporate, retail and investment banking activities. He has worked
investasi. Beliau telah bekerja di New York, Thailand, Vietnam, dan in New York, Thailand, Vietnam and Indonesia, which contributed to
Indonesia, yang berkontribusi pada pengalaman beliau dalam berbagai his experience across economies and financial systems in various
ekonomi dan sistem keuangan di berbagai tahap perkembangan dan stages of development and business cycles, not to mention vastly
siklus bisnis, beserta sistem budaya yang sangat beragam. different cultures.
Riwayat Pekerjaan Educational Background
• Bachelor of Business Administration dari Assumption • Bachelor of Business Administration from Assumption
University, Thailand (1993). University Thailand (1993).
Riwayat Pekerjaan Working History
• Direktur CITIBANK New York, Thailand, Vietnam, dan • Director CITIBANK New York, Thailand, Vietnam, and
Indonesia (2000-2009) Indonesia (2000-2009)
• Direktur PT. Bank OCBC NISP Tbk, Indonesia (2009-2011) • Director PT. Bank OCBC NISP Tbk, Indonesia (2009-2011)
• Pendiri & Direktur di PT WILLOWTREE CAPITAL, PT • Founder & Director PT WILLOWTREE CAPITAL, PT
WILLOWTREE ENERGY, dan PT WILLOWTREE ENERGY WILLOWTREE ENERGY, and PT WILLOWTREE ENERGY
CIKAOK (2012-2021) CIKAOK (2012-2021)
• Komisaris Utama di PT WILLOWTREE ENERGY dan PT WILLOWTREE • President Commissioner PT WILLOWTREE ENERGY dan
ENERGY CIKAOK (2021-2022) PT WILLOWTREE ENERGY CIKAOK (2021-2022)
• Komisaris Utama di PT WILLOWTREE CAPITAL (2021-sekarang) • President Commissioner PT WILLOWTREE CAPITAL
(2021-present)
• Komisaris Independen PT Bank Maspion Indonesia Tbk • Independent Commissioner PT Bank Maspion Indonesia Tbk
(2022-sekarang) (2022-present)
Rangkap Jabatan Concurrent Position
• Komisaris Utama di PT WILLOWTREE CAPITAL (sejak 2021) • President Commissioner PT WILLOWTREE CAPITAL
(since 2021)
Dasar Pengangkatan Legal Basis for Appointment
Rapat Umum Pemegang Saham Luar Biasa pada tanggal 15 Extraordinary General Meeting of Shareholders on September 15,
September 2022. 2022.
Hubungan Afiliasi Affiliation
Tidak memiliki hubungan afiliasi dengan sesama anggota Has no affiliation with fellow members of the Commissioners,
Komisaris, Direksi, maupun pemegang saham. Directors and the Shareholders.
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Pardi Kendy
Jabatan | Position
Komisaris Independen | Independent Commissioner
Kewarganegraan | Nationality
Indonesia
Usia | Age
66 tahun | 66 years old
Beliau seorang Bankir dengan pengalaman lebih dari 45 tahun di He is a banker with more than 45 years of experience in the banking
industri perbankan khususnya di bidang tresuri, sumber daya manusia industry, particularly in the areas of treasury, human resources,
dan operasional perbankan serta jaringan/channel. banking operations, and networks/channels.
Riwayat Pekerjaan Educational Background
• Bachelor of Business Administration University of Luton, • Bachelor of Business Administration University of Luton,
England England
Riwayat Pekerjaan Working History
• Menjabat beberapa posisi dengan posisi terakhir sebagai • Served several positions with the last position as Treasury
Treasury Executive Officer Hong Kong and Shanghai Banking Executive Officer Hong Kong and Shanghai Banking
Corporation Jakarta (1977-1987) Corporation Jakarta (1977-1987)
• Deputy Treasurer Bangkok Bank Limited Jakarta (1987-1989) • Deputy Treasurer Bangkok Bank Limited Jakarta (1987-1989)
• Treasury General Manager Bank Mitsubishi Buana (1989-1996) • Treasury General Manager Bank Mitsubishi Buana (1989-1996)
• Direktur Bank UOB Indonesia (1996-2019) • Director Bank UOB Indonesia (1996-2019)
• Komisaris Independen PT Bank Maspion Indonesia Tbk • Independent Commissioner PT Bank Maspion Indonesia Tbk
(2022-sekarang) (2022-present)
Rangkap Jabatan Concurrent Position
Tidak memiliki jabatan lain di internal maupun eksternal Bank. Has no other position within and outside the Bank.
Dasar Pengangkatan Legal Basis for Appointment
Rapat Umum Pemegang Saham Luar Biasa pada tanggal 15 Extraordinary General Meeting of Shareholders on September 15,
September 2022. 2022.
Hubungan Afiliasi Affiliation
Tidak memiliki hubungan afiliasi dengan sesama anggota Has no affiliation with fellow members of the Commissioners,
Komisaris, Direksi, maupun pemegang saham. Directors and the Shareholders.
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Profil Perusahaan
Company Profile
M. Pujiono Santoso
Jabatan | Position
Komisaris Independen | Independent Commissioner
Kewarganegraan | Nationality
Indonesia
Usia | Age
62 tahun | 62 years old
Beliau seorang bankir dengan pengalaman lebih dari 35 tahun di He is a banker with more than 35 years of experience in the Indonesian
industri perbankan Indonesia. banking industry.
Riwayat Pekerjaan Educational Background
• Sarjana Kehutanan Universitas Gadjah Mada, Yogyakarta (1986) • Bachelor of Science in Forestry Gadjah Mada University,
Yogyakarta (1986)
• Magister Manajemen STIE Perbanas, Surabaya (2013) • Master of Management STIE Perbanas, Surabaya (2013)
Riwayat Pekerjaan Working History
• Marketing & Branch Manager PT Bank Niaga Tbk (1988-1999) • Marketing & Branch Manager PT Bank Niaga Tbk (1988-1999)
• Area Manager PT Bank CIMB Niaga Tbk (1999-2010) • Area Manager PT Bank CIMB Niaga Tbk (1999-2010)
• Head of Sales & Distribution Indonesia Timur PT CIMB Niaga • Head of Sales & Distribution Indonesia Timur PT CIMB Niaga
Tbk pada tahun (2010-2012) Tbk (2010-2012)
• Komisaris Independen PT Bank Maspion Indonesia Tbk • Independent Commissioner PT Bank Maspion Indonesia Tbk
(2012-2018) (2012-2018)
• Komisaris Utama Independen PT Bank Maspion Indonesia Tbk • Independent President Commissioner PT Bank Maspion
(2018-2022) Indonesia Tbk (2018-2022)
• Komisaris Independen PT Bank Maspion Indonesia Tbk • Independent Commissioner PT Bank Maspion Indonesia Tbk
(2022 – sekarang) (2022 – present)
Rangkap Jabatan Concurrent Position
Tidak memiliki jabatan lain di internal maupun eksternal Bank. Has no other position within and outside the Bank.
Dasar Pengangkatan Legal Basis for Appointment
Rapat Umum Pemegang Saham Luar Biasa pada tanggal 15 Extraordinary General Meeting of Shareholders on September 15,
September 2022. 2022.
Hubungan Afiliasi Affiliation
Tidak memiliki hubungan afiliasi dengan sesama anggota Has no affiliation with fellow members of the Commissioners,
Komisaris, Direksi, maupun pemegang saham. Directors and the Shareholders.
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Profil Perusahaan
Company Profile
Profil Direksi
The Board of Directors’ Profile
Kasemsri Charoensiddhi
Jabatan | Position
Direktur Utama | President Director
Kewarganegraan | Nationality
Thailand
Usia | Age
50 tahun | 50 years old
Beliau seorang Bankir dengan pengalaman lebih dari 20 tahun di She is a banker with more than 35 years of experience in the Global
industri perbankan Global. banking industry.
Riwayat Pekerjaan Educational Background
• Sarjana Keuangan dari Michigan State University, Michigan, USA • Bachelor of Finance from Michigan State University, Michigan,
(1994 - 1996) USA (1994-1996)
• Master of Business Administration dari Chulalongkorn • Master of Business Administration from Chulalongkorn
University, Thailand (2000). University, Thailand (2000).
Riwayat Pekerjaan Working History
• Bankir investasi di SCB Securities Co., Ltd. pada tahun • Investment Banker at SCB Securities Co., Ltd. in (2000-2008)
(2000-2008) dan diperbantukan di Goldman Sachs Asia LLC. and was seconded to Goldman Sachs Asia LLC. (Hong Kong)
(Hong Kong) di Grup Perbankan Investasi in the Investment Banking Group
• Institutional client desk Krungsri Asset Management Co., Ltd. di • Institutional client desk Krungsri Asset Management Co., Ltd.
bawah Private Banking Division selama (2008-2009) under Private Banking Division during (2008-2009).
• Relationship Manager Team Lead di TMB Bank PLC. pada • Relationship Manager Team Lead with TMB Bank PLC. in
tahun (2009-2012) (2009-2012)
• Senior Vice President KBank pada tahun (2012-2017) • Senior Vice President KBank (2012-2017)
• Indonesia Project Director (2017-2022) dengan jabatan terakhir • Indonesia Project Director (2017-2022) with her last position
sebagai First Senior Vice President KBank was First Senior Vice President KBank
• Direktur Utama PT Bank Maspion Indonesia Tbk • President Director of PT Bank Maspion Indonesia Tbk
(2022-sekarang) (2022-present)
Rangkap Jabatan Concurrent Position
Tidak memiliki jabatan lain di internal maupun eksternal Bank. Has no other position within and outside the Bank.
Dasar Pengangkatan Legal Basis for Appointment
Rapat Umum Pemegang Saham Luar Biasa pada tanggal 15 Extraordinary General Meeting of Shareholders on September 15,
September 2022. 2022.
Hubungan Afiliasi Affiliation
Tidak memiliki hubungan afiliasi dengan sesama anggota Has no affiliation with fellow members of the Commissioners,
Komisaris, Direksi, maupun pemegang saham. Directors and the Shareholders.
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Endah Winarni
Jabatan | Position
Direktur Marketing | Marketing Director
Kewarganegraan | Nationality
Indonesia
Usia | Age
53 tahun | 53 years old
Beliau adalah Pejabat Senior pada Perseroan dan seorang Bankir She is a Senior Officer at the Company and a Banker with more than
dengan pengalaman lebih dari 25 tahun di industri perbankan 20 years of experience in the Indonesian banking industry.
Indonesia.
Riwayat Pekerjaan Educational Background
• Sarjana Teknologi Pangan dari Universitas Katolik Widya • Bachelor’s degree in food technology from Widya Mandala
Mandala, Indonesia (1994). Catholic University, Indonesia (1994).
Riwayat Pekerjaan Working History
• Account Officer Bank Permata (d/h Bank Universal) • Account Officer of Bank Permata (formerly Bank Universal)
(1996-2003) (1996-2003)
• Relationship Manager Bank DBS Indonesia (2003-2004) • Relationship Manager Bank DBS Indonesia (2003-2004)
• Staf khusus Biro Direksi PT Bank Maspion Indonesia Tbk • Special staff at PT Bank Maspion Indonesia Tbk Directors
(2005) hingga mencapai posisi Deputi Direktur (2012-2018) Bureau (2005) and then as Deputy Director in (2012-2018)
• Direktur PT Bank Maspion Indonesia Tbk (2018-sekarang) • Director of PT Bank Maspion Indonesia Tbk (2018-present)
Rangkap Jabatan Concurrent Position
Tidak memiliki jabatan lain di internal maupun eksternal Bank. Has no other position within and outside the Bank.
Dasar Pengangkatan Legal Basis for Appointment
Rapat Umum Pemegang Saham Luar Biasa pada tanggal tanggal Extraordinary General Meeting of Shareholders on August 15,
25 Agustus 2020. 2020.
Hubungan Afiliasi Affiliation
Tidak memiliki hubungan afiliasi dengan sesama anggota Has no affiliation with fellow members of the Commissioners,
Komisaris, Direksi, maupun pemegang saham. Directors and the Shareholders.
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Profil Perusahaan
Company Profile
Iis Herijati
Jabatan | Position
Direktur Operasional | Operational Director
Kewarganegraan | Nationality
Indonesia
Usia | Age
57 tahun | 57 years old
Beliau adalah Pejabat Senior pada Perseroan dan seorang Bankir She is a Senior Officer at the Company and a Banker with more than
dengan pengalaman lebih dari 30 tahun di industri perbankan 30 years of experience in the Indonesian banking industry.
Indonesia.
Riwayat Pekerjaan Educational Background
• Sarjana Ekonomi dari Universitas Airlangga, Indonesia (1990). • Bachelor of Economics degree from Airlangga University,
Indonesia (1990).
Riwayat Pekerjaan Working History
• Bergabung dengan PT Bank Maspion Indonesia Tbk sejak • Joined PT Bank Maspion Indonesia Tbk since (1990)
tahun (1990)
• Asisten Direktur PT Bank Maspion Indonesia Tbk (1996 – 1999) • Assistant Director PT Bank Maspion Indonesia Tbk
(1996 – 1999)
• Direktur Kepatuhan Independen PT Bank Maspion Indonesia • Independent Compliance Director PT Bank Maspion Indonesia
Tbk (1999-2022) Tbk (1999-2022)
• Direktur Operasional PT Bank Maspion Indonesia Tbk • Operational Director PT Bank Maspion Indonesia Tbk
(2022-sekarang) (2022-present)
Rangkap Jabatan Concurrent Position
Tidak memiliki jabatan lain di internal maupun eksternal Bank. Has no other position within and outside the Bank.
Dasar Pengangkatan Legal Basis for Appointment
Rapat Umum Pemegang Saham Luar Biasa pada tanggal tanggal 5 Extraordinary General Meeting of Shareholders on December 5,
Desember 2022. 2022.
Hubungan Afiliasi Affiliation
Tidak memiliki hubungan afiliasi dengan sesama anggota Has no affiliation with fellow members of the Commissioners,
Komisaris, Direksi, maupun pemegang saham. Directors and the Shareholders.
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Viktor Ebenheizer Fanggidae
Jabatan | Position
Direktur Kepatuhan & Legal | Compliance and Legal Director
Kewarganegraan | Nationality
Indonesia
Usia | Age
44 tahun | 44 years old
Beliau seorang Bankir dengan pengalaman selama 20 tahun di industri He is a banker with 20 years of experience in the Indonesian banking
perbankan Indonesia. industry.
Riwayat Pekerjaan Educational Background
• Sarjana Komputer - Petra Christian University, Surabaya, • Bachelor of Computer Science - Petra Christian University,
Indonesia (1998 - 2003) Surabaya, Indonesia (1998 - 2003)
• Master of Business System dari Monash University, Melbourne, • Master of Business System from Monash University,
Australia (2006-2008) Melbourne, Australia (2006-2008)
• Master of Business Law dari Universitas Pelita Harapan, • Master of Business Law from Pelita Harapan University,
Indonesia pada tahun 2019. Indonesia in 2019.
Riwayat Pekerjaan Working History
• Programmer di PT Bank Niaga, Tbk (2004) • Programmer of PT Bank Niaga, Tbk in (2004)
• Marketing Representative (VBS, Australia) (2006) • Marketing Representative (VBS, Australia) in (2006)
• AVP-Compliance di HSBC Ltd., Indonesia (2013 – 2014) • AVP-Compliance at HSBC Ltd., Indonesia in 2013 – 2014)
• VP-Head of Compliance di Bank DBS Indonesia (2014 – 2017) • VP-Head of Compliance at Bank DBS Indonesia (2014 – 2017)
• SVP-Head of Compliance di Bank ANZ Indonesia (2017-2022) • SVP-Head of Compliance at Bank ANZ Indonesia (2017-2022)
• Direktur Kepatuhan & Legal PT Bank Maspion Indonesia Tbk • Compliance and Legal Director PT Bank Maspion Indonesia
(2022–sekarang) Tbk (2022-present)
Rangkap Jabatan Concurrent Position
Tidak memiliki jabatan lain di internal maupun eksternal Bank. Has no other position within and outside the Bank.
Dasar Pengangkatan Legal Basis for Appointment
Rapat Umum Pemegang Saham Luar Biasa pada tanggal tanggal 5 Extraordinary General Meeting of Shareholders on December 5,
Desember 2022. 2022.
Hubungan Afiliasi Affiliation
Tidak memiliki hubungan afiliasi dengan sesama anggota Has no affiliation with fellow members of the Commissioners,
Komisaris, Direksi, maupun pemegang saham. Directors and the Shareholders.
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Profil Perusahaan
Company Profile
Ivan Adrian Sumampouw
Jabatan | Position
Direktur Kredit & Risiko | Credit & Risk Director
Kewarganegraan | Nationality
Indonesia
Usia | Age
51 tahun | 51 years old
Beliau merupakan seorang profesional di bidang Kredit & Manajemen He is a professional in the field of credit & risk management who is
Risiko yang sangat berpengalaman dengan lebih dari 20 tahun dalam very experienced with more than 20 years in the banking and finance
industri perbankan dan keuangan, bank internasional, lembaga industry, international banks, rating agencies, and infrastructure
pemeringkat, dan perusahaan pembiayaan infrastruktur. Beliau memiliki financing companies. He has a strong understanding of all aspects
pemahaman yang kuat tentang semua aspek kredit dan manajemen of credit and risk management.
risiko.
Riwayat Pekerjaan Educational Background
• Sarjana Ekonomi dari Univeristas Indonesia, Jakarta, Indonesia • Bachelor of Economic from University of Indonesia, Jakarta,
(1992-1997) Indonesia (1992-1997)
• MBA Degree dari Rotterdam School of Management, Erasmus • MBA degree from Rotterdam School of Management, Erasmus
University, Netherlands (2002). University, Netherlands (2002).
Riwayat Pekerjaan Working History
• Relationship Manager IBJ Indonesia Bank (1997-2000) • Relationship Manager IBJ Indonesia Bank (1997-2000)
• Senior Analyst Pefindo Credit Rating Indonesia (2002-2004) • Senior Analyst Pefindo Credit Rating Indonesia (2002-2004)
• Credit Risk Manager DBS Indonesia Bank (2004-2006) • Credit Risk Manager DBS Indonesia Bank (2004-2006)
• Direktur Fitch Ratings Indonesia (2006-2008) • Director Fitch Ratings Indonesia (2006-2008)
• SVP ANZ Indonesia Bank (2008-2013) • SVP ANZ Indonesia Bank (2008-2013)
• Senior Investment Officer PT Indonesia Infrastructure Finance • Senior Investment Officer PT Indonesia Infrastructure Finance
(2013) (2013)
• Head of Corporate Credit Review QNB Indonesia Bank • Head of Corporate Credit Review QNB Indonesia Bank
(2013-2015) (2013-2015)
• Senior Credit Officer (SCO) Standard Chartered Bank • Credit Officer (SCO) Standard Chartered Bank (2015-2018)
(2015-2018)
• Chief Credit Officer/Head of Credit Rabobank International • Chief Credit Officer/Head of Credit Rabobank International
Indonesia (2018-2020) Indonesia (2018-2020)
• Head of Integrated Risk Management PT Sarana Multi • Head of Integrated Risk Management PT Sarana Multi
Infrastructure (2020-2022) Infrastructure (2020-2022)
• Direktur Kredit & Resiko PT Bank Maspion Indonesia Tbk • Credit & Risk Director PT Bank Maspion Indonesia Tbk
(2022–sekarang) (2022-present)
Rangkap Jabatan Concurrent Position
Tidak memiliki jabatan lain di internal maupun eksternal Bank. Has no other position within and outside the Bank.
Dasar Pengangkatan Legal Basis for Appointment
Rapat Umum Pemegang Saham Luar Biasa pada tanggal tanggal 5 Extraordinary General Meeting of Shareholders on December 5,
Desember 2022. 2022.
Hubungan Afiliasi Affiliation
Tidak memiliki hubungan afiliasi dengan sesama anggota Has no affiliation with fellow members of the Commissioners,
Komisaris, Direksi, maupun pemegang saham. Directors and the Shareholders.
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Pejabat Eksekutif
Excecutive Officers
Nama Jabatan
No
Name Position
1 Magdalena Barli Chief Technology Officer
Deputy Director of Information Technology Work Unit
2 Wong Robert Widjaja Deputi Direktur Operasional | Deputy Director of Operations
3 Deasy Wulaningsih Chief Finance Officer | Chief Finance Officer
4 Ferhat Wideru Chief People Officer | Chief People Officer
5 Albert Febriant Head of General Affair | Head of General Affair
6 Alida Victoria Putri Head of Credit Review | Head off Credit Review
7 Beethoven Sihite Head of Corporate | Head of Corporate
8 Denny Ariyanto Kepala Divisi ITF | Head of ITF Division
9 Denny Agustriawan Head of Product | Head of Product
10 Dwiana Kriswati Head of Finance & Accounting | Head of Finance & Accounting
11 E. Akadhita Bogo Kristamtomo Head of Operational | Head of Operational
12 Erwin Kristianto Julistiono Head of HR Services & Strategy | Head of HR Services & Strategy
13 Erlenny Suparman Head of Corporate Planning Strategy & Bussines Performance
Head of Corporate Planning Strategy & Bussines Performance
14 Esy Head of Small Commercial and Retail Credit Review
Head of Small Commercial and Retail Credit Review
15 Faisyal Hakim Head of Legal || Head of Legal
16 Handy Maputra Head of Compliance | Head of Compliance
17 Ikwan Head of IT Infrastructure and Cyber Security
Head of IT Infrastructure and Cyber Security
18 Iwan Djayawasita Head of Corporate Secretary | Head of Corporate Secretary
19 Kwan Tony Sutanto Head of SKTI | Head of SKTI
20 Lily Wijaya Head of AML | Head of AML
21 Marlyn Tanralili Head of HR Management | Head of HR Management
22 Marsel Adianto Tjahjadi Head of Internal Audit | Head of Internal Audit
23 Mohamad Kristanto Head of Policy | Head of Policy
24 Octovianus Jhons Tuna Head of Special Asset Management | Head of Special Asset Management
25 Purwoko Head of Digital Transformation & Innovation
Head of Digital Transformation & Innovation
26 Rico Prawira Head of Data Analytic & IT Management
Head of Data Analytic & IT Management
27 Ritawati Harjo Pranoto Head of Credit Operation | Head of Credit Operation
28 Rony Parolin Simanjuntak Head of Risk Management | Head of Risk Management
29 Sabrina RHA Sidabutar Head of Cash Management | Head of Cash Management
30 Shirley Head of Branch Banking | Head of Branch Banking
31 Shiny Tjahjarijadi Head of Funding Banking | Head of Funding Banking
32 Wally Umoro Head of Credit Product, Trade & Supply Chain
Head of Credit Product, Trade & Supply Chain
33 Zulkifli Adijaya Head of Treasury | Head of Treasury
34 Ignatius Martono Commercial Banking Area Head Indonesia Timur
Commercial Banking Area Head Eastern Indonesia
35 Ferry Kurniadi Commercial Banking Area Head Jakarta & Sumatra Bandung
Commercial Banking Area Head Jakarta & Sumatra Bandung
36 Jemmy Priantoro Commercial Banking Area Head Jawa Tengah
Commercial Banking Area Head Central Java
PT Bank Maspion Indonesia Tbk
Integated Report 2024 83
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Profil Perusahaan
Company Profile
Nama Jabatan
No
Name Position
37 Chaterine Goi Region Head Sumatra | Region Head Sumatra
38 Johanes Hany Region Head East Indonesia | Region Head East Indonesia
39 Suryadi Sanjaya Limbung Region Head Jakarta & Bandung | Region Head Jakarta & Bandung
40 Prapere Nugrahanto Region Head Central Java | Region Head Central Java
41 Rendi Saputra Area Head Mangga Dua Jakarta 1 | Area Head Mangga Dua Jakarta 1
42 Yuda Maranata Sembiring Area Head Serpong Jakarta 2 | Area Head Serpong Jakarta 2
43 Adi Pusponegoro Tanojo Area Head Surabaya 1 | Area Head Surabaya 1
44 Katherine Kumalasari Susilo Area Head Surabaya 2 | Area Head Surabaya 2
45 Iwan Mulyadi Yahya Main Branch Manager Semarang | Main Branch Manager Semarang
46 Anton Pramono Cahyono Main Branch Manager Solo | Main Branch Manager Solo
47 Antoni Salim Main Branch Manager Jakarta 1 | Main Branch Manager Jakarta 1
48 Desi Muditamurni Main Branch Manager Purwokerto | Main Branch Manager Purwokerto
49 Devri Christian Main Branch Manager Jakarta 2 | Main Branch Manager Jakarta 2
50 Ezra Adhitya Selasi Utomo Main Branch Manager Denpasar | Main Branch Manager Denpasar
51 Heince Main Branch Manager Medan | Main Branch Manager Medan
52 Helen Agussari Budiman Main Branch Manager Bandung | Main Branch Manager Bandung
53 Irawati Susilo Main Branch Manager Surabaya 2 | Main Branch Manager Surabaya 2
54 Khristina Firda V.H Main Branch Manager Surabaya 1 | Main Branch Manager Surabaya 1
55 Marcella Wenny Susanti Main Branch Manager Malang | Main Branch Manager Malang
56 Maharani Main Branch Manager Palembang | Main Branch Manager Palembang
57 Rianto Main Branch Manager Makassar | Main Branch Manager Makassar
58 S. Risdianto Main Branch Manager Jember | Main Branch Manager Jember
Komposisi Pemegang Saham
Shareholder Composition [OJK C.3] [GRI 2-1]
Berdasarkan Daftar Pemegang Saham yang dikeluarkan oleh Based on the Shareholders Register issued by PT Adimitra
PT Adimitra Jasa Korpora selaku Biro Administrasi Efek pada Jasa Korpora the Share Registraras of 31, 2024 , Bank Maspion’s
tanggal 31 Desember 2024, komposisi pemegang saham shareholder composition is as described as follows:
Bank Maspion adalah sebagai berikut:
Komposisi Pemegang Saham Dengan Kepemilikan 5% Atau Lebih
Composition Shareholders With 5% or More Ownership
Per 1 Januari 2024 Per 31 Desember 2024
Pemegang Saham As of January 1, 2024 As of December 31, 2024
Shareholders Jumlah Saham Jumlah Saham
% %
Number of Shares Number of Shares
KASIKORN VISION FINANCIAL 14.680.989.577 81,10 14.680.989.577 81,10
COMPANY PTE. LTD.
PT Alim Investindo 2.515.221.271 13,89 2.515.221.271 13,89
Jumlah | Total 17.196.210.848 94,99 17.196.210.848 94,99
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Kelompok Pemegang Saham Dengan Kepemilikan Kurang Dari 5%
Shareholder Groups With Less Than 5% Ownership
Per 1 Januari 2024 Per 31 Desember 2024
Pemegang Saham As of January 1, 2024 As of December 31, 2024
Shareholders Jumlah Saham Jumlah Saham
% %
Number of Shares Number of Shares
Institusi Lokal 441.701.764 2,44 441.701.764 2,44
Local Institutions
Institusi Asing 443.941.138 2,45 443.941.138 2,45
Foreign Institutions
Individu Lokal 20.772.654 0,12 20.772.654 0,12
Local Individuals
Individu Asing 35.900 0,00 35.900 0,00
Foreign Individuals
Jumlah | Total 906.451.456 5,01 906.451.456 5,01
Komposisi Pemegang Saham Berdasarkan Klasifikasi Kepemilikan
Shareholder Composition Based On Ownership Classification
Per 1 Januari 2024 Per 31 Desember 2024
Pemegang Saham As of January 1, 2024 As of December 31, 2024
Shareholders Jumlah Saham Jumlah Saham
% %
Number of Shares Number of Shares
Institusi Lokal 2.956.923.035 16,33 2.956.923.035 16,33
Local Institutions
Institusi Asing 15.124.930.715 83,55 15.124.930.715 83,55
Foreign Institutions
Individu Lokal 20.753.254 0,12 20.791.384 0,11
Local Individuals
Individu Asing 55.300 0,00 35.900 0,00
Foreign Individuals
Jumlah | Total 18.102.662.304 100,00 18.102.662.304 100,00
PT Bank Maspion Indonesia Tbk
Integated Report 2024 85
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Profil Perusahaan
Company Profile
Kepemilikan Saham Anggota Dewan Komisaris dan Direksi
Share Ownership of the Members of the Board of
Commissioners and Board of Directors
Per 1 Januari 2024 Per 31 Desember 2024
Nama Jabatan As of January 1, 2024 As of December 31, 2024
Name Position Jumlah Saham Jumlah Saham
% %
Number of Shares Number of Shares
Chat Luangarpa Komisaris Utama I - 0,00% - 0,00%
President
Commissioner
Diana Alim Komisaris I - 0,00% - 0,00%
Commissioner
Alan Jenviphakul Komisaris Independen - 0,00% - 0,00%
I Independent
Commissioner
Pardi Kendy Komisaris Independen - 0,00% - 0,00%
I Independent
Commissioner
M. Pujiono Santoso Komisaris Independen - 0,00% - 0,00%
I Independent
Commissioner
Kasemsri Charoensiddhi Direktur Utama I - 0,00% - 0,00%
President Director
Endah Winarni Direktur Marketing I 43.600 0,00% 43.600 0,00%
Marketing Director
Iis Herijati Direktur Operasional I 4.600 0,00% 4.600 0,00%
Operational Director
Viktor Ebenheizer Direktur Kepatuhan & - 0,00% - 0,00%
Fanggidaer Legal I Compliance &
Legal Director
Ivan Adrian Sumampouw Direktur Kredit & - 0,00% - 0,00%
RIsiko I Credit & Risk
Director
KEPEMILIKAN SAHAM TIDAK INDIRECT SHARE OWNERSHIP OF
LANGSUNG ANGGOTA DEWAN THE MEMBERS OF THE BOARD OF
KOMISARIS DAN DIREKSI COMMISSIONERS AND BOARD OF
DIRECTORS
Hingga akhir tahun 2024, seluruh anggota Dewan Komisaris Until the end of 2024, all members of the Board of Commissioners
dan Direksi Bank tidak memiliki kepemilikan saham tidak and Board of Directors of the Bank did not have any indirect
langsung atas saham Bank. share ownership of the Bank’s shares.
INFORMASI PEMEGANG SAHAM INFORMATION OF MAIN AND
UTAMA DAN PENGENDALI CONTROLLING SHAREHOLDER
Pemegang saham utama dan pengendali Bank adalah The main and controlling shareholder of the Bank is KASIKORN
KASIKORN VISION FINANCIAL COMPANY PTE. LTD. dengan VISION FINANCIAL COMPANY PTE. LTD. with ownership of
kepemilikan 14.680.989.577 saham atau 81,10%. 14,680,989,577 shares or 81.10%.
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Struktur Pemegang Saham
Shareholder Structure
KASIKORNBANK PUBLIC
COMPANY LIMITED
(KBank)
100,00%
KASIKORN VISION
FINANCIAL COMPANY
PTD LTD (KVF) 81,10%
99,99%
PT KASIKORN VISION
PT ALIM INVESTINDO PT GUNA INVESTINDO MASYARAKAT
FINANCIAL INDONESIA
1,00% 13,89% 1,44% 0,12%
2,45% PT BANK MASPION
INDONESIA TBK
Entitas Anak, Perusahaan Asosiasi,
dan Perusahaan Ventura
Subsidiary, Associated Company, and Joint Venture [GRI 2-2]
Hingga 31 Desember 2024, Bank tidak memiliki entitas anak, Until the end of December 31, 2024, the Bank did not have
perusahaan asosiasi, dan perusahaan ventura. any Subsidiary, associated company or joint venture.
Kronologis Pencatatan Saham
Share Listing Chronology
Tambahan Modal Jumlah Saham
Tanggal Tindakan Harga Saham
Disetor (Saham) Diterbitkan Bursa
Pencatatan Korporasi Share Price
Additional Paid-up Number of Shares Stock Exchange
Listing Date Corporate Action (Rp)
Capital (Shares) Issued
11 Juli 2013 Penawaran Umum 320 770.000.000 3.851.000.000 Bursa Efek
July 11, 2013 Perdana Indonesia
Initial Public Indonesia Stock
Offering Exchange
14 Oktober 2016 Penawaran Umum 340 592.461.538 4.443.461.538 Bursa Efek
October 14, 2016 Terbatas I Indonesia
Right Issue I Indonesia Stock
Exchange
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Integated Report 2024 87
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Profil Perusahaan
Company Profile
Tambahan Modal Jumlah Saham
Tanggal Tindakan Harga Saham
Disetor (Saham) Diterbitkan Bursa
Pencatatan Korporasi Share Price
Additional Paid-up Number of Shares Stock Exchange
Listing Date Corporate Action (Rp)
Capital (Shares) Issued
24 November 2022 Penawaran Umum 410 4.176.853.845 8.620.315.383 Bursa Efek
November 24, Terbatas II Indonesia
2022 Right Issue II Indonesia Stock
Exchange
8 November 2023 Penawaran Umum 370 9.482.346.921 18.102.662.304 Bursa Efek
November 8, 2023 Terbatas III Indonesia
Right Issue III Indonesia Stock
Exchange
Informasi Pencatatan Efek Lainnya
Information on Other Securities Listing
Hingga akhir tahun 2024, Perseroan tidak melakukan pencatatan Until the end of 2024, the Company did not conduct other
efek lainnya. securities listing.
Lembaga Penunjang Pasar Modal
Capital Market Supporting Agencies
Informasi Perdagangan dan Pencatatan Saham Akuntan Publik *
Trade Information and Shares Listing Public Accountant*
PT Bursa Efek Indonesia Tanubrata Sutanto Fahmi Bambang & Rekan Prudential Tower,
Gedung Bursa Efek Indonesia, Tower 1, Lantai 6 17th Floor
Jl. Jend. Sudirman Kav. 52-53 Jl. Jend. Sudirman Kav. 79
Jakarta 12190, Jakarta 12910 - Indonesia
Indonesia Tel | Phone : (021) 57957300
Tel | Phone : (021) 5150515 Fax | Facsimile : (021) 57957301
Fax | Facsimile : (021) 5150091 Jasa | Service :
Jasa | Service : Pencatatan Saham | Share Listing Audit Laporan Keuangan Perseroan untuk tahun buku yang
Periode | Period : Januari – Desember 2024 | January – berakhir pada tanggal 31 Desember 2024
December 2024 Audit of the Company’s Financial Statements for the year ended
Biaya | Fee : Rp277.500.000 in December 31, 2024
Jasa Non-Audit I Non-Audit Service :
Tidak ada I None
Periode | Period : Januari – Desember 2024 | January –
December 2024
Biaya | Fee : Rp1.243.200.000
*termasuk instruksi audit grup dan PPN
include group audit instruction and VAT
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Biro Administrasi Efek Kustodian
Securities Administration Bureau Custodian
PT Adimitra Jasa Korpora PT Kustodian Sentral Efek Indonesia
Kirana Boutique Office Gedung Bursa Efek Indonesia, Menara I, Lantai 5 Jl. Jend.
Jl. Kirana Avenue III Blok F3 No. 5 Sudirman Kav. 52-53
Kelapa Gading Jakarta 12190
Jakarta Utara 14250, Indonesia
Indonesia Tel | Phone : (021) 52991099
Tel | Phone : (021) 29745222 Fax | Facsimile : (021) 52991199
Fax | Facsimile : (021) 29289961 Jasa | Service : Pengelolaan Administrasi Saham | Share
Jasa | Service : Pengelolaan Daftar Pemegang Saham | Administration Management
Shareholder Management Periode | Period : Januari – Desember 2024 | January - December
Periode | Period : Juli 2024 – Juni 2025 | July 2024 – June 2025 2024
Biaya | Fee : Rp35.530.000 Biaya | Fee : Rp11.100.000
Perubahan yang Bersifat Signifikan
Significant Changes [OJK C.6]
Pada tahun 2024, tidak terdapat perubahan yang bersifat In 2024, there will be no significant changes to the Bank.
signifikan pada Bank.
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Page 91
Page 92
Analisa dan Pembahasan Manajemen
Management Discussion and Analysis
Kondisi Ekonomi Makro 2024
Macro Economic Condition in 2024
Pada tahun 2024, perekonomian global menghadapi tantangan In 2024, the global economy faced significant challenges
signifikan akibat meningkatnya ketegangan geopolitik, due to rising geopolitical tensions, particularly in the Middle
khususnya di Timur Tengah, yang menambah ketidakpastian East, which added uncertainty to global financial markets. In
pasar keuangan global. Selain itu, ketegangan antara Rusia addition, tensions between Russia and Ukraine continue to
dan Ukraina terus mengganggu logistik perdagangan dunia. disrupt world trade logistics. Nonetheless, global inflation is
Meskipun demikian, inflasi global menunjukkan tren penurunan, showing a downward trend, encouraging monetary policy
mendorong konvergensi kebijakan moneter di negara maju. convergence in developed economies. World economic growth
Pertumbuhan ekonomi dunia diperkirakan mencapai 3,2% is expected to reach 3.2% by 2024, with a slowing trend.
pada 2024, dengan kecenderungan melambat.
Di Indonesia, pertumbuhan ekonomi pada kuartal III 2024 In Indonesia, economic growth in the third quarter of 2024
tercatat sebesar 4,95% secara tahunan (yoy), sedikit melambat was recorded at 4.95% on an annualized basis (yoy), slightly
dibandingkan kuartal sebelumnya yang mencapai 5,05% yoy. slower than the previous quarter which reached 5.05% yoy.
Konsumsi rumah tangga, yang berkontribusi signifikan terhadap Household consumption, which contributes significantly to
Pertumbuhan Domestik Bruto (PDB), tumbuh 4,91% yoy, Gross Domestic Growth (GDP), grew 4.91% yoy, indicating a
menunjukkan adanya penurunan dalam pengeluaran untuk decline in spending on items such as clothing and housing.
barang-barang seperti pakaian dan perumahan. Sementara Meanwhile, investment saw a significant increase of 5.15%
itu, investasi mengalami peningkatan signifikan sebesar 5,15% yoy, driven by investment in the new national capital and
yoy, didorong oleh investasi di ibu kota negara baru dan other infrastructure projects.
proyek infrastruktur lainnya.
Pemerintah Indonesia menargetkan pertumbuhan ekonomi The Indonesian government targets economic growth of
sekitar 5% untuk tahun 2024 dan berupaya mendukung around 5% for 2024 and seeks to support household
konsumsi rumah tangga serta investasi. Kementerian Keuangan consumption as well as investment. The Ministry of Finance
melaporkan bahwa realisasi pendapatan negara hingga reported that state revenue realization until August 2024
Agustus 2024 mencapai Rp1.777,0 triliun, atau 63,4% dari reached Rp1,777.0 trillion, or 63.4% of the 2024 state budget
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target APBN 2024, dengan penerimaan pajak mencapai target, with tax revenue reaching Rp1,196.54 trillion. In addition,
Rp1.196,54 triliun. Selain itu, Bank Indonesia menurunkan Bank Indonesia lowered interest rates in September 2024
suku bunga pada September 2024 dan mempertahankannya and maintained them in October 2024 to stabilize the economy
pada Oktober 2024 untuk menstabilkan perekonomian di amid external pressures.
tengah tekanan eksternal.
Meskipun ada pelambatan dalam konsumsi rumah tangga, Despite a slowdown in household consumption, Indonesia's
perekonomian Indonesia didorong oleh peningkatan investasi, economy was driven by increased investment, government
belanja pemerintah, dan ekspor. Surplus neraca perdagangan spending, and exports. The trade balance surplus continued,
terus berlanjut, mencatatkan surplus selama 53 bulan berturut- recording a surplus for 53 consecutive months. Indonesia's
turut. Kinerja ekspor Indonesia pada kuartal III 2024 menunjukkan export performance in the third quarter of 2024 showed
peningkatan, meskipun ada penurunan permintaan dari mitra improvement, despite a decline in demand from major trading
dagang utama seperti Tiongkok. partners such as China.
Secara keseluruhan, meskipun menghadapi tantangan global, Overall, despite the global challenges, the Indonesian economy
perekonomian Indonesia menunjukkan ketahanan yang baik. showed good resilience. The government and Bank Indonesia
Pemerintah dan Bank Indonesia terus berupaya menjaga continue to maintain economic stability through appropriate
stabilitas ekonomi melalui kebijakan fiskal dan moneter yang fiscal and monetary policies. With the support of investment,
tepat. Dengan dukungan investasi, belanja pemerintah, dan government spending, and exports, it is expected that the
ekspor, diharapkan perekonomian Indonesia dapat mencapai Indonesian economy can achieve the 5% growth target by
target pertumbuhan 5% pada akhir tahun 2024. the end of 2024.
Sepanjang tahun 2024, kinerja perbankan Indonesia Throughout 2024, Indonesia's banking performance showed
menunjukkan perkembangan positif. Hingga September 2024, positive developments. As of September 2024, third-party
Dana Pihak Ketiga (DPK) perbankan tumbuh sebesar 8,45% funds (DPK) of banks grew by 8.45% on an annual basis (yoy),
secara tahunan (yoy), mencerminkan kepercayaan masyarakat reflecting stable public confidence in the banking sector.
yang stabil terhadap sektor perbankan. Likuiditas perbankan Banking liquidity is also well maintained, reflected in the ratio
juga terjaga dengan baik, tercermin dari rasio Alat Likuid of Liquid Tools to Third Party Funds (AL/DPK) which is above
terhadap DPK (AL/DPK) yang berada di atas ambang batas the established threshold.
yang ditetapkan.
Penyaluran kredit juga mengalami peningkatan, dengan Lending also increased, with bank credit growth reaching
pertumbuhan kredit perbankan mencapai 12,40% yoy pada 12.40% yoy in the first quarter of 2024, up from 9.93% yoy in
kuartal I 2024, meningkat dari 9,93% yoy pada periode yang the same period the previous year. This growth was driven
sama tahun sebelumnya. Pertumbuhan ini didorong oleh by solid demand, especially in capital-intensive sectors such
permintaan yang solid, terutama pada sektor-sektor padat as mining and construction. Non-performing loan (NPL) ratio
modal seperti pertambangan dan konstruksi. Rasio kredit of banks in May 2024 was recorded low at 2.34% (gross) and
bermasalah (Non-Performing Loan/NPL) perbankan pada Mei 0.79% (net), indicating maintained asset quality.
2024 tercatat rendah, yaitu sebesar 2,34% (bruto) dan 0,79%
(neto), menunjukkan kualitas aset yang terjaga.
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Analisa dan Pembahasan Manajemen
Management Discussion and Analysis
Tinjauan Operasi Per Segmen Usaha
Operational Review Per Business Segment
SEGMEN KREDIT LOANS SEGMENT
Perseroan memiliki segmen kredit yaitu modal kerja, investasi, The Company has loans segment of working capital, investment,
dan konsumsi. Pada tahun 2024, kinerja segmen kredit and consumer. In 2024, the performance of loans segment
mengalami peningkatan sebesar 24,10% dari Rp13.246.439 increased by 24.10% from Rp13,246,439 million in 2023 to
juta di tahun 2023 menjadi Rp16.438.254 juta. Dari keseluruhan Rp16,438,254 million. From the overall total, 84.27% was from
total tersebut, 84,27% berasal dari portofolio kredit modal working capital loans portfolio, followed by 15.03% from
kerja, diikuti 15,03% dari kredit investasi, dan 0,70% dari kredit investment loans, and 0.70% from consumer loans.
konsumsi.
Kredit yang Diberikan Loans
Dalam jutaan Rupiah I In million Rupiah
Uraian Pertumbuhan
2024 2023
Description growth
(1) (2) (3) Rp %
(4) = (2)-(3) (5) = (4)/(3)
Modal kerja 13.852.717 10.646.578 3.206.139 30,11%
Working capital
Investasi 2.471.280 2.471.903 (623) (0,03%)
Investment
Konsumsi 114.257 127.958 (13.701) (10,71%)
Consumer
Jumlah kredit yang diberikan 16.438.254 13.246.439 3.191.815 24,10%
Total loans
Kontribusi Kredit Loans Contribution
Kontribusi Kredit | Loans Contribution
15,03% 0,70% 18,66% 0,97%
2024 2023
84,27% 80,37%
Modal Kerja Investasi Konsumsi
Working Capital Investment Consumer
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Berdasarkan sektor ekonomi, penyaluran kredit Bank terbesar Based on the economic sector, the Bank’s largest loan
adalah pada sektor industri pengolahan sebesar Rp5.447.685 disbursement was in the processing industry sector amounted
juta atau 33,14% dari total portofolio kredit. Portfolio terbesar to Rp5,447,685 million or 33.14% of total loan portfolio. The
berikutnya berasal dari sektor aktivitas keuangan dan asuransi next largest portfolio came from the financial and insurance
sebesar Rp3.845.674 juta atau 23,39%, diikuti dengan sektor activities sector of Rp3,845,674 million or 23.39%, followed
perdangangan besar dan eceran sebesar Rp3.508.140 juta by the wholesale and retail sector amounted to Rp3,508,140
atau 21,34% dari total kredit Bank. million or 21.34% of the Bank’s total loans.
Kredit yang Diberikan Loans by Economic Sector
Berdasarkan Sektor Ekonomi
Dalam jutaan Rupiah I In million Rupiah
Uraian Pertumbuhan
2024 2023
Description growth
(1) (2) (3) Rp %
(4) = (2)-(3) (5) = (4)/(3)
Industri pengolahan 5.447.685 5.151.229 296.456 5,76%
Processing industry
Aktivitas keuangan dan asuransi 3.845.674 1.394.128 2.451.546 175,85%
Financial and insurance activities
Perdagangan besar dan eceran 3.508.140 3.692.935 (184.795) (5.00%)
Wholesale and retail
Pengangkutan dan pergudangan 855.688 757.620 98.068 12,94%
Transportation and warehousing
Aktivitas penyewaan 439.472 227.058 212.414 93,55%
Leasing activities
Penyediaan akomodasi dan penyediaan makan minum 359.663 473.639 (113.976) (24,06%)
Accommodation, food and beverages
Pengadaan listrik, gas, uap atau air panas dan udara 321.900 307.940 13.960 4,53%
dingin
Supply of electricity, gas,
steam or hot water and cold air
Pertanian, kehutanan, dan perikanan 265.657 23.011 242.646 1054,48%
Agriculture, forestry, and fisheries
Real estate 253.244 286.200 (32.956) (11.52%)
Real estate
Pertambangan dan penggalian 245.366 6.569 238.797 3635,21%
Mining and exploration
Informasi dan komunikasi 230.835 81.709 149.126 182,51%
Information and communication
Aktivitas kesehatan manusia dan aktivitas sosial 219.976 219.114 862 0,39%
Human health activities and social activities
Konstruksi 119.904 79.137 40.767 51,51%
Construction
Rumah tangga 114.246 127.870 (13.624) (10,65%)
Households
Aktivitas profesional, ilmiah dan teknis 80.326 256.893 (176.567) (68,73%)
Professional, scientific, and technical activities
Kesenian, hiburan, dan rekreasi 56.390 66.435 (10.045) (15,12%)
Arts, entertainment, and recreation
Aktivitas jasa lainnya 44.912 52.545 (7.633) (14,53%)
Other service activities
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Analisa dan Pembahasan Manajemen
Management Discussion and Analysis
Dalam jutaan Rupiah I In million Rupiah
Uraian Pertumbuhan
2024 2023
Description growth
Pendidikan 29.166 42.316 (13.150) (31,08%)
Education
Lain-lain 10 91 (81) (89,01%)
Others
Jumlah kredit yang diberikan 16.438.254 13.246.439 3.191.815 24,10%
Total loans
Portofolio Kredit Loans Portfolio by Economic Sector
Berdasarkan Sektor Ekonomi
Portofolio Kredit Berdasarkan Sektor Ekonomi
Loans Portfolio by Economic Sector
1,49% 0,62% 1,22%
1,40%
0,97% 0,60%
1,54% 1,34%
0,49% 0,73% 1,65% 0,17%
1,62%
0,70% 0,05%
1,96% 1,71%
0,79% 38,89%
2,19% 1,94%
33,14% 2,16%
2,67% 2,32%
5,21%
2024 3,58% 2023
5,72%
27,88%
23,39%
21,34%
10,52%
Industri Pengolahan Pertambangan dan penggalian
Processing Industry Mining and exploration
Perdagangan besar dan eceran Aktivitas professional, ilmiah dan teknis
Wholesale and retail Professional, scientific, and technical activities
Aktivitas keuangan dan asuransi Aktivitas penyewaan
Financial and insurance activities Leasing activities
Pengangkutan dan pergudangan Aktivitas kesehatan manusia dan aktivitas sosial
Transportation and warehousing Human health activities and social activities
Penyediaan akomodasi dan penyediaan makan minum Rumah tangga
Accommodation, food and beverages Households
Pengadaan listrik, gas, uap/air panas dan udara dingin Informasi dan komunikasi
Supply of electricity, gas, steam or hot water and cold air Information and communication
Real estate Konstruksi
Construction
Pertanian, kehutanan, dan perikanan Lain - lain
Agriculture, forestry, and fisheries Others
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Tingkat Kolektibilitas Kredit Loan Collectability Rate
Rasio kredit bermasalah (NPL) bruto dan neto Bank tercatat The Bank’s gross and net Non-Performing Loan (NPL) ratio
masing-masing sebesar 3,26% dan 2,07% pada akhir tahun were 3.26% and 2.07%, respectively at the end of 2024. The
2024. Kolektibilitas kredit Bank disajikan pada tabel berikut: Bank’s loan collectibility is presented in the following table:
Tingkat Kolektibilitas Kredit Loans Collectability Rate
Dalam jutaan Rupiah I In million Rupiah
Uraian
2024 2023
Description
Lancar 15.220.332 12.008.839
Current
Dalam Perhatian Khusus 682.783 894.739
Special Mention
Kurang Lancar 2.435 2.537
Substandard
Diragukan 308 -
Doubtful
Macet 532.396 340.324
Loss
Jumlah kredit yang diberikan 16.438.254 13.246.439
Total loans
SEGMEN PENGHIMPUNAN DANA FUNDING SEGMENT
PIHAK KETIGA (DPK)
Segmen DPK Bank terdiri dari giro, tabungan, dan deposito. Funding segment of the Bank consists of current accounts,
Pada tahun 2024, DPK tercatat naik 20,12% atau Rp2.218.943 savings accounts, and time deposits. In 2024, funding segment
juta dari Rp11.031.119 juta di tahun 2023 menjadi Rp13.250.062 increased by 20.12% or Rp2,218,943 million from Rp11.031.119
juta. Peningkatan tertinggi terjadi pada portfolio deposito dan million in 2023 to Rp13,250,062 million. The highest increase
giro yang meningkat masing-masing sebesar Rp1.223.481 juta occurred in the deposit and current accounts portfolio which
atau 13,54% dan Rp1.028.051 juta atau 112,06% dibandingkan increased by Rp1,223,481 million or 13.54% and Rp1,028,051
dengan tahun sebelumnya. Kontribusi terbesar DPK berasal million or 112.06%, respectively, compared to the previous year.
dari deposito yaitu 77,42%, diikuti oleh giro dan tabungan The highest contributor of funding is from time deposits at
masing-masing sebesar 14,68% dan 7,90%. 77.42%, followed by current accounts and savings accounts
at 14.68% and 7.90%, respectively.
Penghimpunan Dana Pihak Ketiga (DPK) Funding
Dalam jutaan Rupiah I In million Rupiah
Uraian Pertumbuhan
2024 2023
Description growth
(1) (2) (3) Rp %
(4) = (2)-(3) (5) = (4)/(3)
Giro 1.945.491 917.440 1.028.051 112,06%
Current Accounts
Tabungan 1.046.405 1.078.994 (32.589) (3,02%)
Savings Accounts
Deposito 10.258.166 9.034.685 1.223.481 13,54%
Time Deposits
Jumlah Penghimpunan Dana Pihak Ketiga (DPK) 13.250.062 11.031.119 2.218.943 20,12%
Total Funding
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Analisa dan Pembahasan Manajemen
Management Discussion and Analysis
Kontribusi Penghimpunan Dana Pihak Funding Contribution
Ketiga (DPK)
Kontribusi Penghimpunan Dana Pihak Ketiga (DPK)
Funding Contribution
14,68% 7,90% 9,78% 8,32%
2024 2023
77,42% 81,90%
Deposito Tabungan Giro
Time Deposits Savings Accounts Current Accounts
SEGMEN OPERASI BERDASARKAN OPERATION SEGMENT BY
AREA GEOGRAFIS GEOGRAPHICAL AREA
Segmen operasi Bank berdasarkan wilayah geografis mencakup The Bank's operating segments by geographical area cover
tujuh area utama, yaitu Jakarta, Jawa Barat, Jawa Tengah, seven main areas, namely Jakarta, West Java, Central Java,
Jawa Timur, Bali, Sulawesi, dan Sumatera. Berikut adalah East Java, Bali, Sulawesi and Sumatra. The following is an
gambaran kinerja segmen operasi dalam dua tahun terakhir: overview of operating segment performance in the last two
years:
Segmen Operasi Operation Segment
Berdasarkan Area Geografis by Geographical Area
2024
Uraian
Description Jawa Barat Jawa Tengah Jawa Timur Jumlah
Jakarta Bali Sulawesi Sumatra
West Java Central Java East Java Total
Pendapatan
(beban) bunga,
bersih 560.527 (4.186) (4.376) 198.019 (7.445) (11.106) (18.969) 712.464
Interest income
(expense), net
Beban
operasional
lainnya, bersih (397.840) (24.838) (42.544) (528.256) (7.561) (10.527) (18.044) (1.029.610)
Other operating
expense, net
PT Bank Maspion Indonesia Tbk
98 Laporan Tahunan Terintegrasi 2024
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2024
Uraian
Description Jawa Barat Jawa Tengah Jawa Timur Jumlah
Jakarta Bali Sulawesi Sumatra
West Java Central Java East Java Total
Pendapatan
(beban)
non-operasional,
bersih 1.643 420 535 2.218 225 227 590 5.858
Non-operating
income
(expense), net
Jumlah
pendapatan
(beban)
eksternal 164.330 (28.604) (46.385) (328.019) (14.781) (21.406) (36.423) (311.288)
Total external
income
(expense)
Pendapatan
(beban) antar
area
(455.185) 8.608 15.796 362.717 16.041 14.430 37.593 -
Inter-area
income
(expense)
Jumlah
pendapatan
(beban) area
(290.855) (19.996) (30.589) 34.698 1.260 (6.976) 1.170 (311.288)
Total area
income
(expense)
Kredit yang
diberikan, bersih 10.382.070 100.630 465.426 4.239.713 169.796 54.816 562.430 15.974.881
Loans, net
Aset tetap,
bersih 84.996 12.988 32.324 251.941 12.774 9.091 15.076 419.190
Fixed assets, net
Jumlah aset
3.604.429 311.683 902.654 15.327.865 552.184 300.347 1.305.887 22.305.049
Total assets
Jumlah liabilitas
3.895.286 331.679 933.235 8.518.301 550.924 307.321 1.304.718 15.841.464
Total liabilities
2023
Uraian
Description Jawa Barat Jawa Tengah Jawa Timur Jumlah
Jakarta Bali Sulawesi Sumatra
West Java Central Java East Java Total
Pendapatan
(beban) bunga,
bersih 271.308 (966) 10.452 276.053 6.301 (11.691) (19.701) 531.756
Interest income
(expense), net
Beban
operasional
lainnya, bersih (114.918) (10.055) (30.965) (258.802) (8.352) (9.807) (14.717) (447.616)
Other operating
expense, net
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Analisa dan Pembahasan Manajemen
Management Discussion and Analysis
2023
Uraian
Description Jawa Barat Jawa Tengah Jawa Timur Jumlah
Jakarta Bali Sulawesi Sumatra
West Java Central Java East Java Total
Pendapatan
non-operasional,
bersih (44) (5) 22 (269) (27) 11 (4) (316)
Non-operating
income, net
Jumlah
pendapatan
(beban)
eksternal 156.346 (11.026) (20.491) 16.982 (2.078) (21.487) (34.422) 83.824
Total external
income
(expense)
Pendapatan
(beban) antar
area
(158.880) 8.180 197 100.458 (608) 13.924 36.729 -
Inter-area
income
(expense)
Jumlah
pendapatan
(beban) area
(2.534) (2.846) (20.294) 117.440 (2.686) (7.563) 2.307 83.824
Total area
income
(expense)
Kredit yang
diberikan, bersih 7.609.109 126.109 535.975 4.081.979 160.048 63.796 534.246 13.111.262
Loans, net
Aset tetap,
bersih 89.902 16.864 33.471 246.965 13.200 9.342 15.491 425.235
Fixed assets, net
Jumlah aset
2.051.997 291.649 701.089 14.867.572 253.577 303.271 1.196.808 19.665.963
Total assets
Jumlah liabilitas
2.061.334 293.378 722.820 8.105.500 256.251 311.108 1.192.915 12.943.306
Total liabilities
Pendapatan antar area pada dasarnya berasal dari transaksi The inter-area income was mainly derived from inter-area
transfer dana antar area. fund transfer.
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100 Laporan Tahunan Terintegrasi 2024
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Tinjauan Keuangan
Financial Review
Analisis kinerja keuangan dalam laporan ini didasarkan pada The financial performance analysis in this report is based on
Laporan Keuangan PT Bank Maspion Tbk untuk tahun yang the Financial Statements of PT Bank Maspion Tbk for the
berakhir pada 31 Desember 2024. Laporan tersebut telah year ended December 31, 2024. The report has been audited
diaudit oleh Kantor Akuntan Publik Tanubrata Sutanto Fahmi by the Public Accounting Firm Tanubrata Sutanto Fahmi
Bambang & Rekan sesuai dengan Standar Audit yang berlaku Bambang & Partners in accordance with applicable Auditing
di Indonesia dan memperoleh opini wajar tanpa pengecualian, Standards in Indonesia and obtained an unqualified opinion,
sebagaimana dinyatakan dalam laporan audit tertanggal 3 as stated in the audit report dated March 3, 2025.
Maret 2025.
LAPORAN POSISI KEUANGAN STATEMENT OF FINANCIAL
POSITION
Dalam jutaan Rupiah I In million Rupiah
Uraian
2024 2023
Description
Jumlah Aset 22.305.049 19.665.963
Total Assets
Jumlah Liabilitas 15.841.464 12.943.306
Total Liabilities
Jumlah Ekuitas 6.463.585 6.722.657
Total Equity
Jumlah Liabilitas dan Ekuitas 22.305.049 19.665.963
Total Liabilities and Equity
Pada posisi keuangan Bank, jumlah aset Bank tercatat naik In the Bank's financial position, the Bank's total assets were
dari Rp19.665.963 juta di tahun 2023 menjadi Rp22.305.049 recorded to increase from Rp19,665,963 million in 2023 to
juta di tahun 2024. Jumlah liabilitas juga tercatat naik dari Rp22,305,049 million in 2024. Total liabilities were also
Rp12.943.306 juta di tahun 2023 menjadi Rp15.841.464 juta recorded to increase from Rp12,943,306 million in 2023 to
di tahun 2024. Sementara jumlah ekuitas tercatat turun dari Rp15,841,464 million in 2024. Meanwhile, total equity was
Rp6.722.657 juta di tahun 2023 menjadi Rp6.463.585 juta di recorded to decline from Rp6,722,657 million in 2023 to
tahun 2024. Rp6,463,585 million in 2024.
Aset Assets
Dalam jutaan Rupiah I In million Rupiah
Uraian
2024 2023
Description
Kas 137.960 76.592
Cash
Giro pada Bank Indonesia 831.847 1.070.749
Current accounts with Bank Indonesia
Giro pada bank lain - bersih 145.241 96.779
Current accounts with other banks - net
Penempatan pada Bank Indonesia dan bank lain - bersih 216.454 399.942
Placements with Bank Indonesia and other banks - net
Efek-efek 3.015.139 2.431.540
Marketable securities
Efek-efek yang dibeli dengan janji dijual kembali 792.724 1.409.355
Securities purchased under agreements to resell
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Analisa dan Pembahasan Manajemen
Management Discussion and Analysis
Dalam jutaan Rupiah I In million Rupiah
Uraian
2024 2023
Description
Tagihan akseptasi 2.566 2.645
Acceptance receivables
Kredit yang diberikan - bersih 15.974.881 13.111.262
Loans - net
Bunga yang akan diterima - bersih 86.338 88.698
Interest receivables - net
Beban dibayar di muka 38.282 23.775
Prepaid expenses
Aset tetap 419.190 425.235
Fixed assets
Aset tak berwujud 4.668 5.202
Intangible assets
Aset pajak tangguhan 90.139 22.719
Deferred tax assets
Aset lain-lain 549.620 501.470
Other assets
Jumlah aset 22.305.049 19.665.963
Total assets
Total aset Bank pada akhir tahun 2024 tercatat sebesar The Bank's total assets at the end of 2024 were recorded at
Rp22.305.049 juta, meningkat sebesar Rp2.639.086 juta atau Rp22,305,049 million, an increase of Rp2,639,086 million or
13,42% dibandingkan dengan akhir tahun 2023 sebesar 13.42% compared to the end of 2023 of Rp19,665,963 million.
Rp19.665.963 juta. Peningkatan tersebut terutama disebabkan The increase was mainly due to an increase in loans of
oleh peningkatan kredit yang diberikan sebesar Rp3.191.815 Rp3,191,815 million and an increase in marketable securities
juta dan peningkatan efek-efek sebesar Rp583.599 juta. of Rp583,599 million.
Giro pada Bank Indonesia dan Bank Lain Current Accounts with Bank Indonesia and Other
Banks
Pada tahun 2024, giro pada Bank Indonesia turun 22,31% In 2024, current accounts with Bank Indonesia decreased by
atau Rp238.902 juta dari Rp1.070.749 juta di tahun 2023 22.31% or Rp238,902 million from Rp1,070,749 million in 2023
menjadi Rp831.847 juta yang disebabkan oleh penurunan to Rp831,847 million due to a decline in the primary minimum
persentase GWM primer akibat meningkatnya insentif yang statutory reserves as a consequence of an increase in incentives
diterima oleh Bank. Giro pada bank lain tercatat meningkat received by the Bank. Current accounts with other banks
50,12% atau Rp48.513 juta menjadi Rp145.310 juta di tahun recorded an increase of 50.12% or Rp48,513 million to Rp145,310
2024 karena adanya penempatan dana dengan tujuan untuk million in 2024 due to the fund placement with the aim of
lebih mengoptimalkan penghasilan yang diterima. further optimizing the income received.
Penempatan pada Bank Indonesia dan Bank Lain Placements with Bank Indonesia and Other Banks
Bank menempatkan sebagian likuiditas dalam bentuk Fasilitas The Bank placed some of its liquidity in the form of daily Bank
Simpanan Bank Indonesia (FASBI) yang bersifat harian dan Indonesia Deposit Facility (FASBI) and other bank term deposit
deposito berjangka bank lain sebesar Rp216.476 juta pada of Rp216,476 million in 2024, which decreased by Rp183,466
tahun 2024 yang menurun sebesar Rp183.466 juta dibandingkan million compared to 2023 of Rp399,942 million. The decrease
tahun 2023 sebesar Rp399.942 juta. Penurunan tersebut was caused by the transfer of funds to marketable securities
disebabkan oleh pengalihan dana pada efek-efek dan and loan disbursement.
penyaluran kredit.
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Efek-efek dan Efek yang Dibeli dengan Janji Dijual Marketable Securities and Security Purchased
Kembali Under Agreements to Resell
Dalam upaya mengoptimalkan imbal hasil yang diterima serta To optimize the returns received and maintain a balance
menjaga keseimbangan antara posisi likuiditas dan profitabilitas between the Bank’s liquidity and profitability positions, during
Bank, maka selama tahun 2024 Bank menempatkan sebagian 2024, the Bank placed most of its liquidity in marketable
besar likuiditas yang dimiliki ke efek-efek berupa Surat Utang securities in the form of Government Securities (SUN) and
Negara (SUN) dan Sekuritas Rupiah Bank Indonesia (SRBI). Bank Indonesia Rupiah Securities (SRBI). Marketable securities
Efek-efek untuk tujuan investasi terdiri dari Surat Utang Negara for investment purposes consist of Government Securities
(SUN) yang dimiliki hingga jatuh tempo dengan jangka waktu (SUN) with maturities of more than 12 months. Meanwhile,
lebih dari 12 bulan. Sedangkan Sekuritas Rupiah Bank Indonesia Bank Indonesia Rupiah Securities (SRBI) are held to maturity
(SRBI) dimiliki hingga jatuh tempo dengan jangka waktu 1 with a term of 1 until 11 months. The Bank also placed some
sampai 11 bulan. Bank juga menempatkan sebagian likuiditasnya of its liquidity in the form of securities purchased under
dalam bentuk efek-efek yang dibeli dengan janji dijual kembali agreements to resell which also consist of Government
yang juga terdiri dari Surat Utang Negara (SUN) dengan masa Securities (SUN) with a maturity period in January and February
jatuh tempo pada bulan Januari dan Februari 2025. Efek-efek 2025. Securities owned by the Bank are liquid and low risk.
yang dimiliki oleh Bank bersifat likuid dan berisiko rendah.
Pada tahun 2024, efek-efek Bank meningkat sebesar Rp583.599 In 2024, the Bank’s marketable securities increased by
juta atau 24% dari Rp2.431.540 juta di tahun 2023 menjadi Rp583,599 million or 24% from Rp2,431,540 million in 2023
Rp3.015.139 juta di tahun 2024. Hal ini terjadi karena adanya to Rp3,015,139 million in 2024. This occurred due to the
pembelian Sekuritas Rupiah Bank Indonesia (SRBI). Sementara purchase of Bank Indonesia Rupiah Securities (SRBI). Meanwhile,
itu, efek-efek yang dibeli dengan janji dijual kembali tercatat securities purchased under agreements to resell were recorded
sebesar Rp792.724 juta, menurun sebesar Rp616.631 juta at Rp792,724 million, decreased by Rp616,631 million or
atau 43,75% dari Rp1.409.355 juta di tahun 2023. Seluruh 43.75% from Rp1,409,355 million in 2023. All securities held
efek yang dimiliki oleh Bank termasuk dalam kategori lancar by the Bank are categorized as current and classified as
dan diklasifikasikan sebagai efek-efek yang diukur pada biaya securities measured at amortized cost and measured at fair
perolehan diamortisasi dan diukur pada nilai wajar melalui value through other comprehensive income. The Bank has
penghasilan komprehensif lain. Bank tidak memiliki efek-efek no securities in related parties.
pada pihak berelasi.
Kredit yang Diberikan Loans
Dalam jutaan Rupiah I In million Rupiah
Uraian
2024 2023
Description
Pihak berelasi 113.000 113.193
Related parties
Pihak ketiga 16.325.254 13.133.246
Third parties
Jumlah kredit yang diberikan 16.438.254 13.246.439
Total loans
Cadangan kerugian penurunan nilai (463.373) (135.177)
Allowance for impairment losses
Jumlah kredit yang diberikan, bersih 15.974.881 13.111.262
Total loans, net
Pada tahun 2024, Bank mencatatkan kredit yang diberikan In 2024, Bank recorded loans of Rp16,438,254 million, increased
sebesar Rp16.438.254 juta, naik dibandingkan dengan tahun compared to the previous year which was recorded at
sebelumnya yang tercatat sebesar Rp13.246.439 juta. Penyaluran Rp13,246,439 million. Loan disbursements were focused on
kredit bank difokuskan pada sektor-sektor produktif yang tercermin productive sectors reflected in the working capital portfolio
dari portfolio modal kerja yang berkontribusi sebesar 84,27%. which contributed 84,27%.
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Analisa dan Pembahasan Manajemen
Management Discussion and Analysis
Sejalan dengan peningkatan penyaluran kredit, Bank menjaga In line with the increase in loan disbursement, the Bank
kualitas masing-masing aset sesuai dengan prinsip kehati- maintains the quality of each asset in accordance with prudential
hatian dengan membentuk Cadangan Kerugian Penurunan principles by forming Allowance for Impairment Losses (CKPN)
Nilai (CKPN) sekaligus mengantisipasi kerugian apabila terjadi and anticipating losses should there be an impairment of
penurunan nilai aset keuangan. CKPN yang telah dibentuk financial assets. The allowance for impairment losses formed
oleh Bank pada tahun 2024 adalah sebesar Rp463.373 juta, by the Bank in 2024 was Rp463,373 million, increased compared
meningkat dibandingkan dengan tahun 2023 sebesar Rp135.177 to 2023 that was Rp135,177 million. The provision is considered
juta. Cadangan tersebut dinilai cukup untuk menutupi adequate to cover the possibility of uncollectible loans.
kemungkinan tidak tertagihnya kredit yang diberikan.
Liabilitas Liabilities
Dalam jutaan Rupiah I In million Rupiah
Uraian
2024 2023
Description
Liabilitas segera 1.558 5.666
Obligations due immediately
Simpanan dari nasabah 13.250.062 11.031.119
Deposits from customers
Simpanan dari bank lain 2.348.272 1.678.600
Deposits from other banks
Liabilitas akseptasi 2.575 3.918
Acceptance liabilities
Utang pajak 16.343 26.783
Taxes payable
Liabilitas lain-lain 222.654 197.220
Other liabilities
Jumlah Liabilitas 15.841.464 12.943.306
Total liabilities
Total liabilitas Bank pada akhir tahun 2024 tercatat sebesar The Bank's total liabilities at the end of 2024 were recorded
Rp15.841.464 juta, meningkat sebesar Rp2.898.158 juta atau at Rp15,841,464 million, an increase of Rp2,898,158 million
22,39% dibandingkan dengan akhir tahun 2023 sebesar or 22.39% compared to the end of 2023 of Rp12,943,306
Rp12.943.306 juta. Peningkatan tersebut utamanya disebabkan million. The increase was mainly due to an increase in deposits
oleh peningkatan simpanan dari nasabah sebesar Rp2.218.943 from customers of Rp2,218,943 million and an increase in
juta dan peningkatan simpanan dari bank lain sebesar deposits from other banks of Rp669,672 million.
Rp669.672 juta.
Simpanan dari Nasabah Deposits from Customers
Dalam jutaan Rupiah I In million Rupiah
Uraian
2024 2023
Description
Pihak berelasi 295.866 476.687
Related parties
Pihak ketiga 12.954.196 10.554.432
Third parties
Jumlah simpanan dari nasabah 13.250.062 11.031.119
Total deposits from customers
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104 Laporan Tahunan Terintegrasi 2024
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Simpanan dari nasabah di tahun 2024 meningkat 20,12% atau Deposits from customers in 2024 increased by 20.12% or
Rp2.218.943 juta dari Rp11.031.119 juta di tahun 2023 menjadi Rp2.218,943 million from Rp11,031,119 million in 2023 to
Rp13.250.062 juta. Simpanan dari nasabah terutama berasal Rp13,250,062 million. Deposits from customers mainly come
dari pihak ketiga. Simpanan dari pihak ketiga tercatat meningkat from third parties. Deposits from third parties recorded an
dari Rp10.554.432 juta di tahun 2023 menjadi Rp12.954.196 increase from Rp10,554,432 million in 2023 to Rp12,954,196
juta. Sementara simpanan dari pihak berelasi di tahun 2024 million. While deposits from related parties in 2024 were
tercatat sebesar Rp295.866 juta, menurun dibandingkan dengan recorded at Rp295,866 million, a decrease compared to the
tahun sebelumnya yang tercatat sebesar Rp476.687 juta. previous year which was recorded at Rp476,687 million.
Simpanan dari Bank Lain Deposits from Other Banks
Dalam jutaan Rupiah I In million Rupiah
Uraian
2024 2023
Description
Pihak berelasi 565.101 770.416
Related parties
Pihak ketiga 1.783.171 908.184
Third parties
Jumlah simpanan dari nasabah 2.348.272 1.678.600
Total deposits from other banks
Simpanan dari bank lain di tahun 2024 meningkat 39,89% Deposits from other banks in 2024 increased by 39.89% or
atau Rp669.672 juta dari Rp1.678.600 juta di tahun 2023 Rp669,672 million from Rp1,678,600 million in 2023 to
menjadi Rp2.348.272 juta. Simpanan dari bank lain terutama Rp2,348,272 million. Deposits from other banks mainly come
berasal dari pihak ketiga. Simpanan dari pihak ketiga tercatat from third parties. Deposits from third parties recorded an
meningkat dari Rp908.184 juta di tahun 2023 menjadi Rp1.783.171 increase from Rp908,184 million in 2023 to Rp1,783,171 million.
juta. Sementara simpanan dari pihak berelasi di tahun 2024 While deposits from related parties in 2024 were recorded
tercatat sebesar Rp565.101 juta, menurun dibandingkan dengan at Rp565,101 million, a decrease compared to the previous
tahun sebelumnya yang tercatat sebesar Rp770.416 juta. year which was recorded at Rp770,416 million.
Ekuitas Equity
Dalam jutaan Rupiah I In million Rupiah
Uraian
2024 2023
Description
Modal ditempatkan dan disetor penuh 1.810.266 1.810.266
Issued and fully paid-up capital
Tambahan modal disetor, bersih 4.140.843 4.140.843
Additional paid-in capital, net
Saldo laba
Retained earnings
Telah ditentukan penggunaannya 28.000 25.000
Appropriated
Belum ditentukan penggunaannya 370.083 616.561
Unappropriated
Penghasilan komprehensif lain:
Other comprehensive income:
Kerugian aktuarial liabilitas imbalan kerja, neto (30.941) (29.269)
Actuarial loss on employee benefit liability, net
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Management Discussion and Analysis
Dalam jutaan Rupiah I In million Rupiah
Uraian
2024 2023
Description
Selisih lebih revaluasi aset tetap 147.885 153.508
Revaluation surplus of fixed assets
Keuntungan (kerugian) perubahan nilai aset keuangan yang (2.551) 5.748
diukur pada nilai wajar melalui penghasilan komprehensif lain,
setelah pajak
Unrealized gain (loss) on changes in value of financial assets at
fair value through other comprehensive income, net of tax
Jumlah ekuitas 6.463.585 6.722.657
Total equity
Total ekuitas Bank pada akhir tahun 2024 mengalami penurunan The Bank's total equity at the end of 2024 decreased by
sebesar Rp259.072 juta dari Rp6.722.657 juta pada akhir Rp259,072 million from Rp6,722,657 million at the end of
tahun 2023 menjadi Rp6.463.585 juta pada akhir tahun 2024. 2023 to Rp6,463,585 million at the end of 2024. The decrease
Penurunan ekuitas terjadi karena Bank membukukan laba in equity occurred due to the Bank recorded a negative net
bersih negatif selama tahun berjalan sebesar Rp247.213 juta. profit during the year of Rp247,213 million.
LAPORAN LABA RUGI COMPREHENSIVE INCOME
KOMPREHENSIF
Dalam jutaan Rupiah I In million Rupiah
Uraian
2024 2023
Description
Pendapatan bunga 1.513.565 1.203.295
Interest income
Beban bunga (801.101) (671.539)
Interest Expense
Pendapatan bunga bersih 712.464 531.756
Net interest income
Pendapatan operasional lain 58.856 51.249
Other operating income
Beban operasional lain (1.088.466) (498.865)
Other operating expense
Laba (rugi) operasional (317.146) 84.140
Operating income (loss)
Pendapatan (beban) non-operasional bersih 5.858 (316)
Net non-operating income (expense)
Laba (rugi) sebelum beban pajak (311.288) 83.824
Income (loss) before tax expense
Laba (rugi) tahun berjalan (247.213) 63.253
Income (loss) for the year
Jumlah laba (rugi) yang dapat diatribusikan kepada pemilik (247.213) 63.253
entitas induk dan kepentingan non pengendali
Total income (loss) attributable to equity holders of the parent
entity and non-controlling interests
Jumlah laba (rugi) komprehensif tahun berjalan (259.072) 67.718
Total comprehensive income (loss) for the year
Jumlah laba (rugi) komprehensif yang dapat diatribusikan (259.072) 67.718
kepada pemilik entitas induk dan kepentingan non pengendali
Total comprehensive income (loss) attributable to equity holders
of the parent entity and non-controlling interests
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Dalam jutaan Rupiah I In million Rupiah
Uraian
2024 2023
Description
Laba (rugi) per saham dasar (Rupiah penuh) (13,66) 6,72
Basic earnings (loss) per share (in full Rupiah)
Pada tahun 2024, pendapatan bunga bersih bank mengalami In 2024, the Bank's net interest income increased by 33.98%
peningkatan sebesar 33,98% atau Rp180.708 juta, dari or Rp180,708 million, from Rp531,756 million in 2023 to
Rp531.756 juta di tahun 2023 menjadi Rp712.464 juta. Rp712,464 million.
Pendapatan Bunga Interest Income
Dalam jutaan Rupiah I In million Rupiah
Uraian
2024 2023
Description
Kredit yang diberikan 1.163.430 881.297
Loans
Efek-efek 269.666 214.321
Marketable securities
Penempatan pada Bank Indonesia 13.621 33.053
Placements with Bank Indonesia
Penempatan pada bank lain 27.759 51.576
Placements with other banks
Lain-lain 39.089 23.048
Others
Jumlah pendapatan bunga 1.513.565 1.203.295
Total interest income
Total pendapatan bunga Bank tercatat mengalami peningkatan The Bank’s total interest income was recorded to have
sebesar Rp310.270 juta atau 25,79% dari tahun 2023. increased by Rp310,270 million or 25.79% from 2023. Loans
Pendapatan bunga kredit memberikan kontribusi sebesar interest income contributed to 76.87% of the Bank’s total
76,87% dari total pendapatan bunga Bank dan meningkat interest income and increased by Rp282,133 million from the
sebesar Rp282.133 juta dari tahun sebelumnya. Suku bunga previous year. The average interest rate for Rupiah loans
rata-rata kredit Rupiah tercatat sebesar 7,87% pada tahun was recorded at 7.87% in 2024, decreasing from 8.36% in
2024, mengalami penurunan dari tahun 2023 sebesar 8,36%. 2023. In foreign currency denominations, the average loan
Dalam denominasi mata uang asing, suku bunga rata-rata interest rate also decreased to 6.15% in 2024 from 6.28% in
kredit juga menurun menjadi sebesar 6,15% pada tahun 2024 2023. Although interest rates decreased compared to the
dari sebesar 6,28% pada tahun 2023. Walaupun suku bunga last year, the Bank’s loans distribution increased so that the
menurun dibandingkan tahun sebelumnya, namun penyaluran contribution of loan interest income continued to rise.
kredit Bank meningkat sehingga kontribusi pendapatan bunga
kredit tetap meningkat.
Pengelolaan Assets Liabilities Management secara tepat Proper Assets Liabilities Management, especially the placement
khususnya alokasi penempatan pada Bank Indonesia, pada of assets within Bank Indonesia, other banks, and marketable
bank lain maupun efek-efek berdasarkan kebutuhan likuiditas securities based on the liquidity needs while optimizing the
dengan tetap mengoptimalkan pendapatan yang akan diterima income to be received by the Bank, has resulted in an increase
oleh Bank menyebabkan peningkatan pendapatan bunga in interest income from sources other than loans, which was
dari sumber selain kredit yang tercatat meningkat sebesar recorded as increasing by Rp28,137 million or 8.74%. In 2024,
Rp28.137 juta atau 8,74%. Pada tahun 2024, Bank menempatkan the Bank placed part of its funds in marketable securities and
sebagian dana yang dimiliki pada efek-efek dan efek-efek securities purchased under agreements to resell. The average
yang dibeli dengan janji dijual kembali. Rata-rata imbal hasil yield on the securities placement in the form of SUN with a
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Analisa dan Pembahasan Manajemen
Management Discussion and Analysis
penempatan efek-efek berupa SUN dengan jangka waktu maturity of more than 12 months was 7.71% in 2024, while the
lebih dari 12 bulan adalah sebesar 7,71% sedangkan rata-rata average interest rate on placements in the form of SRBI is
suku bunga penempatan dalam bentuk SRBI sebesar 7,09% 7.09% in 2024. Meanwhile, the average return on purchases
pada tahun 2024. Sementara rata-rata imbal hasil pembelian of securities purchased under agreements to resell with a
efek dengan janji dijual kembali dengan tenor 1 sampai 2 tenor of one until two months in 2024 was 6.11%.
bulan pada tahun 2024 adalah sebesar 6,11%.
Komposisi Pendapatan Bunga Interest Income Composition
Komposisi Pendapatan Bunga | Interest Income Composition
1,83% 2,75% 4,29%
17,82% 0,90% 17,81% 1,91%
2,58%
2024 2023
76,87% 73,24%
Kredit Efek-efek Penempatan pada Bank Indonesia
Loans Marketable Securities Placement with Bank Indonesia
Penempatan pada bank lain Lain-lain
Placement with other banks Others
Beban Bunga Interest Expense
Dalam jutaan Rupiah I In million Rupiah
Uraian
2024 2023
Description
Deposito berjangka 584.786 560.520
Time Deposits
Simpanan dari bank lain 122.451 49.251
Deposit from other banks
Giro 53.143 26.809
Current Accounts
Premi Penjaminan Pemerintah 29.684 23.513
Premiums on Government Guarantee
Tabungan 11.037 11.446
Savings Accounts
Jumlah beban bunga 801.101 671,539
Total interest expense
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108 Laporan Tahunan Terintegrasi 2024
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Peningkatan beban bunga deposito sebesar Rp24.266 juta The increase in interest expenses on deposits of Rp24,266
atau 4,33% dari tahun sebelumnya sejalan dengan meningkatnya million or 4.33% from the previous year was in line with the
portofolio deposito sebesar 13,54%. Rata-rata bunga deposito increase in the deposit portfolio by 13.54%. The average
pada tahun 2024 tercatat sebesar 5,92% (untuk tenor 1 bulan), deposit interest in 2024 was 5.92% (for one month tenor), an
meningkat dibandingkan tahun 2023 sebesar 5,55% seiring increase compared to 2023 of 5.55% following the increasing
dengan tren kenaikan suku bunga perbankan. trend in banking interest rates.
Beban bunga simpanan dari bank lain meningkat sebesar Other banks deposit interest expenses increased by Rp73,200
Rp73.200 juta atau sebesar 148,63% yang sejalan dengan million or 148.63% which was in line with an increase in the
peningkatan jumlah dan suku bunga simpanan dari bank lain. outstanding and interest rates of other banks deposits. The
Beban bunga giro Bank juga mengalami kenaikan sebesar Bank’s current account interest expenses also increased by
Rp26.334 juta atau 98,23% dibandingkan tahun sebelumnya. Rp26,334 million or 98.23% compared to the previous year.
Rata-rata suku bunga giro Rupiah tercatat sebesar 3,51% pada The average Rupiah current account interest rate stood at
akhir tahun 2024, meningkat dari akhir tahun 2023 sebesar 3.51% at the end of 2024, an increase from the end of 2023
3,07%. Di sisi lain, beban bunga tabungan mengalami penurunan which was 3.07%. On the other side, savings interest expenses
sebesar Rp409 juta seiring dengan penurunan jumlah tabungan. experienced a decline of Rp409 million in line with the decrease
in the saving accounts outstanding.
Komposisi Beban Bunga Interest Expense Composition
Komposisi Beban Bunga | Interest Expense Composition
1,38% 3,99% 1,70%
3,71% 7,33%
6,63% 15,28% 3,50%
2024 2023
73,00% 83,47%
Deposito Premi Penjamin Pemerintah Giro
Time Deposits Premiums on Government Current Accounts
Tabungan Lain-lain
Savings Accounts Others
Pendapatan Bunga Bersih Net Interest Income
Pendapatan bunga bersih Bank mengalami peningkatan The Bank's net interest income increased by Rp180,708 million
sebesar Rp180.708 juta atau 33,98% dibanding tahun 2023 or 33.98% compared to 2023 mainly due to an increase in
terutama terjadi karena peningkatan pendapatan bunga yang interest income higher than the increase in interest expenses
lebih tinggi dari peningkatan beban bunga selama tahun 2024 during 2024 which was in line with the increase in bank
seiring dengan meningkatnya aset produktif Bank khususnya productive assets, primarily credit from Rp13,246,439 million
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Analisa dan Pembahasan Manajemen
Management Discussion and Analysis
kredit dari Rp13.246.439 juta pada akhir tahun 2023 menjadi at the end of 2023 to Rp16,438,254 million at the end of 2024.
Rp16.438.254 juta pada akhir tahun 2024. Selain itu, kelebihan Furthermore, the excess of the Bank liquidity placed in the
likuiditas bank yang ditempatkan dalam bentuk efek-efek dan form of marketable securities and securities purchased under
efek-efek yang dibeli dengan janji dijual kembali juga agreements to resell also contributed to an increase in the
memberikan kontribusi terhadap peningkatan pendapatan Bank interest income that was reflected from an increase in
bunga bank yang tercemin dari peningkatan pendapatan interest income of Rp55,345 million.
bunga sebesar Rp55.345 juta.
Pendapatan Operasional Lain Other Operating Income
Dalam jutaan Rupiah I In million Rupiah
Uraian
2024 2023
Description
Denda dan administrasi 38.779 40.526
Penalties and administration
Provisi dan komisi selain kredit 1.632 1.525
Fees and commissions from other than loans
Lain-lain 18.445 9.198
Others
Jumlah pendapatan operasional lain 58.856 51.249
Total other operating income
Pendapatan operasional lain mengalami kenaikan sebesar Other operating income increased by Rp7,607 million or
Rp7.607 juta atau 14,84% dari Rp51.249 juta di tahun 2023 14.84% from Rp51,249 million in 2023 to Rp58,856 million in
menjadi Rp58.856 juta di tahun 2024 terutama terjadi karena 2024 mainly due to an increase in other operating income
peningkatan pada pendapatan operasional lainnya dari kegiatan from bank business activities amounting to Rp9,247 million.
usaha bank sebesar Rp9.247 juta.
Beban Operasional Lain Other Operating Expense
Dalam jutaan Rupiah I In million Rupiah
Uraian
2024 2023
Description
Gaji dan tunjangan 279.405 208.095
Salaries and employee benefit
Umum dan administrasi 428.690 189.976
General and administrative
Penyisihan kerugian penurunan nilai 380.371 100.794
Provision for impairment losses
Jumlah beban operasional lain 1.088.466 498.865
Total other operating expense
Beban operasional lain mengalami peningkatan sebesar Other operating expenses increased by Rp589,601 million or
Rp589.601 juta atau 118,19% dari Rp498.865 juta di tahun 118.19% from Rp498,865 million in 2023 to Rp1,088,467 million
2023 menjadi Rp1.088.467 juta di tahun 2024 karena in 2024 due to the increase in salaries and benefits, general
peningkatan beban gaji dan tunjangan, beban umum dan and administrative expenses, and provision for impairment
administrasi, serta beban penyisihan kerugian penurunan nilai losses amounted to Rp71,310 million, Rp238,716 million, and
masing-masing sebesar Rp71.310 juta, Rp238.716 juta, dan Rp279,577 million, respectively. The increase in operating
Rp279.577 juta. Peningkatan beban operasional sejalan expenses was in line with the Bank’s efforts to increase
dengan upaya bank untuk melakukan peningkatan kapabilitas capabilities through transformation at all levels of the
melalui transformasi di seluruh level organisasi. Di sisi lain, organization. On the other side, the Bank has also implemented
PT Bank Maspion Indonesia Tbk
110 Laporan Tahunan Terintegrasi 2024
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Bank juga telah menerapkan overlay pada angka ECL pada an overlay on the ECL amount as of December 31, 2024 for
tanggal 31 Desember 2024 untuk nasabah atau portfolio certain debtors or loan portfolios that are deemed to require
pinjaman tertentu yang dianggap memerlukan tambahan additional provisions.
provisi.
Laba (Rugi) Operasional Operating Income (Loss)
Dari sisi bisnis, Bank terus mengalami peningkatan yang In term of business, the Bank continued to experience an
tampak dari kenaikan pendapatan bunga bersih sebesar increase as seen from the increase in net interest income of
Rp180.708 juta atau sebesar 33,98% dibandingkan dengan Rp180,708 million or 33.98% compared to 2023. Moreover,
tahun 2023. Selain itu, di sisi fee-based income juga mengalami the fee-based income side also underwent an increase that
kenaikan yang dapat dilihat dari peningkatan pendapatan could be seen in the increase of other operating income
operasional lainnya sebesar Rp7.607 juta dibandingkan dengan amounted to Rp7,607 million compared to 2023. However,
tahun 2023. Namun, sebagai upaya untuk meningkatkan as an effort to elevate capabilities and services to customers,
kapabilitas dan layanan kepada nasabah, bank melakukan the Bank transformed at all levels of the organization.
transformasi pada seluruh level organisasi. Selain hal tersebut, Furthermore, the Bank also implemented an overlay with the
Bank juga menerapkan overlay dengan tujuan untuk dapat aim of being able to cover credit risks in line with credit growth,
meng-cover risiko kredit yang sejalan dengan pertumbuhan resulting in a significant increase in the bank’s operating
kredit sehingga berdampak pada peningkatan yang cukup expenses of Rp589,602 million or 118.19% compared to 2023.
signifikan di beban operasional bank sebesar Rp589.602 juta Based on that matter, the Bank’s operating income decreased
atau 118,19% dibandingkan dengan tahun 2023. Berdasarkan by Rp401,286 million from Rp84,140 million at the end of 2023
hal tersebut, laba operasional bank menurun sebesar Rp401.286 to (Rp317,146) million at the end of 2024.
juta dari Rp84.140 juta pada akhir tahun 2023 menjadi
(Rp317.146) juta pada akhir tahun 2024.
Laba (Rugi) Sebelum Beban Pajak dan Income Before Tax Expense and Income
Laba Tahun Berjalan for the Year
Laba (rugi) sebelum beban pajak dan laba (rugi) tahun berjalan Income (loss) before tax expense and income (loss) for the
untuk tahun yang berakhir pada tanggal 31 Desember 2024 year ended December 31, 2024 were recorded at (Rp311,288)
tercatat masing-masing sebesar (Rp311.288) juta dan (Rp247.213) million and (Rp247,213) million respectively, a decrease
juta, menurun dibandingkan tahun 2023 masing-masing compared to 2023 of Rp83,824 million and Rp63,253 million
sebesar Rp83.824 juta dan Rp63.253 juta disebabkan karena respectively due to an increase in other operating expenses.
peningkatan pada beban operasional lainnya.
Laba (Rugi) Komprehensif Tahun Comprehensive Income for the Year
Berjalan
Total laba (rugi) komprehensif yang dapat diatribusikan kepada Total comprehensive income (loss) attributable to owners of
pemilik entitas induk tercatat sebesar (Rp259.072) juta di the parent entity was recorded at (Rp259,072) million in 2024
tahun 2024 menurun dibandingkan tahun 2023 sebesar decreased compared to 2023 of Rp67,718.
Rp67.718 juta.
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Analisa dan Pembahasan Manajemen
Management Discussion and Analysis
LAPORAN ARUS KAS STATEMENT OF CASH FLOW
Dalam jutaan Rupiah I In million Rupiah
Uraian
2024 2023
Description
Kas neto digunakan untuk aktivitas operasi (302.096) (3.190.887)
Net cash used in operating activities
Kas neto digunakan untuk aktivitas investasi (13.645) (913.441)
Net cash used in investing activities
Kas neto diperoleh dari aktivitas pendanaan - 3.502.325
Net cash provided by financing activities
Penurunan neto kas dan setara kas (315.741) (602.003)
Net increase (decrease) in cash and cash equivalents
Kas dan setara kas awal tahun 1.644.080 2.246.910
Cash and cash equivalents at the beginning of year
Pengaruh perubahan kurs mata uang asing 3.254 (827)
Effect of foreign currency exchange rate changes
Kas dan setara kas akhir tahun 1.331.593 1.644.080
Cash and cash equivalents at the end of year
Arus Kas dari Aktivitas Operasi Cash Flow from Operating Activities
Pada tahun 2024, Bank mencatatkan arus kas neto yang In 2024, the Bank recorded net cash flows used in operating
digunakan untuk aktivitas operasi sebesar Rp302.096 juta activities of Rp302,096 million and in 2023 amounted to
dan pada tahun 2023 adalah sebesar Rp3.190.887 juta. Berikut Rp3,190,887 million. The following is a comparison of cash
adalah perbandingan arus kas dari aktivitas operasi pada flows from operating activities in 2024 and 2023 in general:
tahun 2024 dan 2023 secara umum:
• Pada tahun 2024, arus kas keluar dari aktivitas operasi • In 2024, cash outflow from operating activities came
berasal dari aktivitas penyaluran kredit sebesar from loan disbursements activities of Rp3,242,983
Rp3.242.983 juta, pembayaran bunga, provisi, dan million, payments of interest, fees, and commissions
komisi sebesar Rp793.420 juta, pembayaran beban of Rp793,420 million, payments of general and
umum dan administrasi sebesar Rp413.366 juta, serta administrative expenses of Rp413.366 million, and
pembayaran gaji dan tunjangan sebesar Rp281.986 payments of salaries and employee benefits of
juta. Sementara itu, arus kas masuk berasal dari Rp281.986 million. Meanwhile, cash inflow was derived
peningkatan simpanan nasabah sebesar Rp2.218.943 from an increase in deposits from customers of
juta, penerimaan bunga, provisi, dan komisi sebesar Rp2,218,943 million, receipts of interest, fees, and
Rp1.546.398 juta, serta kenaikan simpanan bank lain commissions of Rp1,546,398 million, and an increase
sebesar Rp669.672 juta. in deposits from other banks of Rp669,672 million.
• Pada tahun 2023, arus kas keluar dari aktivitas operasi • In 2023, cash outflow from operating activities came
berasal dari aktivitas penyaluran kredit sebesar from loan disbursements activities of Rp4,463,887
Rp4.463.887 juta, pembayaran bunga, provisi, dan million, payments of interest, fees, and commissions
komisi sebesar Rp653.811 juta, dan pembayaran beban of Rp653,811 million, and payments of salaries and
gaji dan tunjangan sebesar Rp203.384 juta. employee benefits of Rp203,384 million.
Sementara itu, arus kas masuk berasal dari penerimaan Meanwhile, cash inflow was derived from receipts of
bunga, provisi, dan komisi sebesar Rp1.200.057 juta interest, fees, and commissions of Rp1,200,057 million
dan kenaikan simpanan bank lain sebesar Rp960.306 and an increase in deposits from other banks of
juta. Rp960,306 million.
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Arus Kas dari Aktivitas Investasi Cash Flow from Investing Activities
Arus kas neto yang digunakan untuk aktivitas investasi pada Net cash flow used for investment activities in 2024 and 2023
tahun 2024 and 2023 tercatat masing-masing sebesar Rp13.645 was recorded at Rp13,645 million and Rp913,441 million,
juta dan Rp913.441 juta. Perbandingan arus kas dari aktivitas respectively. The overall comparison of cash flows from
investasi pada tahun 2024 dan 2023 secara garis besar adalah investing activities in 2024 and 2023 is as follows:
sebagai berikut:
• Pada tahun 2024, arus kas keluar dari aktivitas investasi • In 2024, cash outflow from investment activities consisted
terdiri dari pembelian efek-efek, penambahan aset of purchases of marketable securities, acquisition of fixed
tetap, dan penambahan aset tak berwujud sebesar assets, and acquisition of intangible assets amounted to
Rp637.846 juta. Di sisi lain, terdapat arus kas masuk Rp637,846 million. On the other hand, there was cash
dari penjualan efek-efek yang dibeli dengan janji dijual inflow from the sale of securities purchased under
kembali dan aset tetap sebesar Rp624.201 juta. agreements to resell and fixed assets amounted to
Rp624,201 million.
• Pada tahun 2023, arus kas keluar dari aktivitas investasi • In 2023, cash outflow from investment activities consisted
terdiri dari pembelian efek-efek yang dibeli dengan of purchases of securities purchased under agreements
janji dijual kembali dan penambahan aset tetap sebesar to resell and acquisition of fixed assets amounted to
Rp913.518 juta. Di sisi lain, terdapat arus kas masuk Rp913,518 million. On the other hand, there was cash
dari penjualan aset tetap sebesar Rp77 juta. inflow from the sale of fixed assets amounted to Rp77
million.
Arus Kas dari Aktivitas Pendanaan Cash Flow from Financing Activities
Pada tahun 2024 tidak terdapat arus kas untuk aktivitas In 2024, there was no cash flow for financing activities.
pendanaan.
Pada tahun 2023 terdapat arus kas masuk untuk aktivitas In 2023, there was cash inflow from financing activities which
pendanaan yang merupakan penerimaan dari penambahan was the receipt from a capital increase through Pre-emptive
modal melalui HMETD III sebesar Rp3.508.468 juta dan arus Rights III of Rp3,508,468 million and cash outflow for stock
kas keluar atas biaya emisi efek sebesar Rp6.143 juta. Kas issuance cost of Rp6,143 million. Net cash from financing
neto dari aktivitas pendanaan tersebut adalah sebesar activities was Rp3,502,325 million.
Rp3.502.325 juta.
Dengan pergerakan arus kas dari aktivitas operasi, investasi, With the movements of cash flows from operating, investing,
dan pendaanan di atas, posisi kas dan setara kas Bank pada and financing activities above, the Bank’s cash and cash
akhir tahun 2024 adalah sebesar Rp1.331.593 juta, lebih rendah equivalent position at the end of 2024 was Rp1,331,593 million,
dibandingkan dengan tahun 2023 sebesar Rp1.644.080 juta. decreased compared to 2023 amounted to Rp1,644,080
million,
Rasio Keuangan dan Rasio Penting Lainnya
Financial Ratios and Other Important Ratios
RASIO KECUKUPAN MODAL (CAR) CAPITAL ADEQUACY RATIO (CAR)
Rasio kecukupan modal (CAR) Bank tercatat sebesar 43,52% The Bank's capital adequacy ratio (CAR) was recorded at
pada akhir tahun 2024, mengalami penurunan dari tahun 43.52% at the end of 2024, a decrease from the previous
sebelumnya sebesar 50,12%. Hal ini disebabkan oleh penurunan year of 50.12%. This was caused by a decrease in capital,
modal terutama berasal dari pembukuan laba bersih negatif mainly from recording a negative net profit during the year.
selama tahun berjalan. Total modal Bank pada akhir tahun 2024 The Bank’s total capital at the end of 2024 was recorded at
tercatat sebesar Rp6.390.484 juta, menurun sebesar Rp309.910 Rp6,390,484 million, a decrease of Rp309,910 million from
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juta dari tahun sebelumnya sebesar Rp6.700.396 juta. Di lain the previous year, which was Rp6,700,396 million. On the
pihak, terdapat peningkatan penyaluran kredit selama tahun other hand, there was an increase in loan disbursements
2024 sehingga Aset Tertimbang Menurut Risiko (ATMR) untuk during 2024 which resulted in Risk Weighted Assets (RWA)
risiko kredit meningkat menjadi Rp14.119.691 juta pada akhir for credit risk increasing to Rp14,119,691 million at the end of
tahun 2024 dari Rp12.906.303 juta pada akhir tahun 2023. 2024 from Rp12,906,303 million at the end of 2023. The CAR
Rasio CAR telah memperhitungkan risiko kredit, risiko pasar ratio has calculated credit, market, and operational risks and
dan risiko operasional serta telah sejalan dengan ketentuan has complied with the applicable regulations.
yang berlaku.
POSISI DEVISA NETO NET OPEN POSITION
Rasio PDN (Posisi Devisa Neto Bank - On dan Off Balance The Bank’s Net Open Position (NOP - On and Off-Balance
Sheet) pada tanggal 31 Desember 2024 dan 2023 jika Sheet) ratio as of December 31, 2024 and 2023 when using
menggunakan modal pada tanggal 30 November 2024 dan capital as of November 30, 2024 and 2023 was recorded at
2023 tercatat sebesar 0,52% dan jauh di bawah ketentuan 0.52% and far below the applicable regulations of a maximum
yang berlaku yaitu maksimal sebesar 20% dari total modal. of 20% of total capital.
GIRO WAJIB MINIMUM MINIMUM STATUTORY RESERVES
Pada tanggal 31 Desember 2024 dan 2023, GWM Bank telah As of December 31, 2024 and 2023, the Bank's Minimum
sesuai dengan Peraturan Bank Indonesia (PBI) No. 24/4/ Statutory Reserve complied with Bank Indonesia (BI) Regulation
PBI/2022 tanggal 1 Maret 2022 tentang Perubahan Keempat PBI No. 24/4/PBI/2022 dated March 1, 2022 concerning the
atas Peraturan Bank Indonesia No. 20/3/PBI/2018 tentang Fourth Amendment to Bank Indonesia Regulation No. 20/3/
Giro Wajib Minimum dalam Rupiah dan Valuta Asing bagi Bank PBI/2018 concerning Statutory Reserves in Rupiah and Foreign
Umum Konvensional, Bank Umum Syariah, dan Unit Usaha Exchange for Conventional Commercial Banks, Sharia
Syariah serta Peraturan Anggota Dewan Gubernur (“PADG”) Commercial Banks, and Sharia Business Units, and also
No. 2 Tahun 2023 tanggal 1 April 2023 tentang Perubahan Regulations Member of the Board of Governors (“PADG”) No.
atas PADG No. 24/8/PADG/2022 tanggal 1 Juli 2022 tentang 2 Year 2023 dated April 1, 2023 concerning the Amendment
Peraturan Pelaksanaan Pemenuhan Giro Wajib Minimum dalam to PADG No. 24/8/PADG/2022 dated July 1, 2022 concerning
Rupiah dan Valuta Asing bagi Bank Umum Konvensional, Bank the Implementation Regulations for Fulfillment of Statutory
Umum Syariah, dan Unit Usaha Syariah Reserves in Rupiah and Foreign Currency for Conventional
Commercial Banks, Sharia Commercial Banks, and Sharia
Business Units.
Penyangga Likuiditas Makroprudensial (PLM) adalah cadangan Macroprudential Liquidity Buffer (PLM) is the minimum reserves
likuiditas minimum yang wajib dipelihara oleh Bank berupa that should be maintained by the Bank, in form of Certificates
Sertifikat Bank Indonesia (SBI), Sertifikat Deposito Bank of Bank Indonesia (SBI), Certificate of Bank Indonesia Deposit
Indonesia (SDBI), Surat Berharga Negara (SBN) yang besarnya (SDBI), Treasury Bills (SBN), which is determined by Bank
ditetapkan oleh Bank Indonesia sebesar persentase tertentu Indonesia percentage of third party funds (DPK). Macroprudential
dari Dana Pihak Ketiga (DPK) Bank. Giro Rasio Intermediasi Intermediary Ratio (RIM) is the Minimum Statutory Reserve
Makroprudensial (RIM) adalah simpanan minimum yang wajib that should be maintained by the Bank in the form of Current
dipelihara oleh Bank dalam bentuk saldo Rekening Giro pada Account with Bank Indonesia at a certain percentage of DPK
Bank Indonesia sebesar persentase tertentu dari DPK yang calculated based on the difference between the Bank’s RIM
dihitung berdasarkan selisih antara RIM yang dimiliki oleh and the targeted RIM. Referring to PADG No. 24/14/PADG/2022
Bank dan RIM Target. Berdasarkan PADG No. 24/14/PADG/2022 which is effective from November 1, 2022, RIM deposit is
yang berlaku mulai tanggal 1 November 2022, Giro RIM imposed if the Bank's RIM is below the minimum of RIM
dikenakan jika RIM Bank di bawah minimum RIM target Bank targeted by Bank Indonesia (84%) or if the Bank's RIM is above
Indonesia (84%) atau di atas maksimum RIM target Bank the maximum of RIM targeted by Bank Indonesia (94%)
Indonesia (94%) dengan Kewajiban Penyediaan Modal Minimum provided that the Capital Adequacy Ratio (CAR) is below BI
(KPMM) Bank lebih kecil dari KPMM Insentif Bank Indonesia Incentive CAR’s requirement of 14%.
sebesar 14%.
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Tabel berikut menunjukkan rasio GWM Bank dalam rupiah The following table shows the Bank’s reserve requirement
dan valuta asing per 31 Desember 2024 dan 2023: ratio in rupiah and foreign currency as of December 31, 2024
and 2023:
Giro Wajib Minimum Minimum Statutory Reserves
2024 2023
Uraian
Description Syarat Aktual Syarat Aktual
Requirement Actual Requirement Actual
Rupiah
Rupiah
Primer (*) 6,00% 6,31% 7,60% 7,88%
Primary (*)
RIM 0,00% 0,00% 0,00% 0,00%
RIM
PLM 5,00% 30,88% 5,00% 30,49%
PLM
Valuta Asing 4.00% 4,27% 4,00% 4,05%
Foreign Currency
* Berdasarkan PADG No. 1 Tahun 2023 tanggal 1 April 2023, Bank melakukan penyediaan dana untuk kegiatan ekonomi tertentu
dan inklusif, sehingga pada tanggal 31 Desember 2024 dan 2023 Bank mendapatkan insentif berupa kelonggaran GWM masing-
masing sebesar 3% dan 1,4%.
* Based on PADG No. 1 Year 2023 dated April 1, 2023, the Bank provides funds for specific and inlusive economic activities,
therefore on December 31, 2024 and 2023 the Bank gains incentives in the form of GWM allowance by 3% and 1.4%, respectively.
Pencapaian Tahun 2024
Achievement in 2024
PERBANDINGAN REALISASI DENGAN COMPARISON OF REALIZATION
TARGET TAHUN 2024 AND PROJECTION IN 2024
Berikut ringkasan pencapaian kinerja keuangan tahun 2024 The following is a summary of the achievement of financial
dibandingkan dengan target adalah sebagai berikut: performance in 2024 compared to the target:
Dalam jutaan Rupiah I In million Rupiah
Uraian Realisasi 2024 Target 2024 Pencapaian
Description Realization in 2024 Projection in 2024 Achievement
POSISI KEUANGAN
FINANCIAL POSITION
Total Aset 22.305.040 22.721.138 98,17%
Total assets
Kredit yang diberikan 16.438.254 17.000.804 96,69%
Loans
Simpanan dari nasabah 13.250.062 13.938.743 95,06%
Deposits from customers
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Dalam jutaan Rupiah I In million Rupiah
Uraian Realisasi 2024 Target 2024 Pencapaian
Description Realization in 2024 Projection in 2024 Achievement
LABA RUGI DAN PENGHASILAN
KOMPREHENSIF
COMPREHENSIVE INCOME
Pendapatan bunga 1.513.565 1.499.520 100,94%
Interest income
Pendapatan bunga bersih 712.464 728.683 97,77%
Net Interest income
Laba (Rugi) Bersih (247.213) (134.052) 184,41%
Net Income (Loss)
RASIO KEUANGAN (%) Realisasi 2024 Target 2024
FINANCIAL RATIOS Realization in 2024 Projection in 2024
ROE -3,79% -2,06%
ROE
ROA -1,43% -0,53%
ROA
NIM 3,76% 3,72%
NIM
BOPO 120,13% 107,71%
Operating Expenses to Operating Income
NPL – gross 3,26% 2,99%
NPL - gross
CAR 43,52% 41,23%
CAR
LDR 124,06% 121,97%
LDR
Dinamika perekonomian global disepanjang tahun 2024 masih The dynamics of the global economy throughout 2024 will
menghadapi tantangan dari ketegangan geopolitik konflik still face challenges from geopolitical tensions in the Russia-
Rusia – Ukraina, ketegangan di Timur Tengah serta kemungkinan Ukraine conflict, tensions in the Middle East and the possibility
akan terjadinya perang dagang antara AS dengan sejumlah of a trade war between the US and a number of its main
mitra dagang utamanya. International Monetary Fund (IMF) trading partners. The International Monetary Fund (IMF)
memprediksikan perlambatan pertumbuhan ekonomi global predicts a slowdown in global economic growth for 2024,
untuk tahun 2024 yang tumbuh sebesar 3,2% (yoy) sedikit which will grow by 3.2% (yoy), slightly slower than the global
melambat dari pertumbuhan ekonomi global tahun 2023 yang economic growth in 2023, which grew by 3.3% (yoy).
tumbuh sebesar 3,3% (yoy).
Seiring dengan tren perlambatan perekonomian global sebagai Along with the trend of a slowdown in the global economy
dampak dari ketidakpastian global, pertumbuhan ekonomi as a result of global uncertainty, Indonesia's economic growth
Indonesia pada tahun 2024 juga sedikit melambat. Pertumbuhan in 2024 has also slowed slightly. Indonesia's economic growth
ekonomi Indonesia untuk tahun 2024 tumbuh sebesar 5,03% for 2024 grew by 5.03% (yoy), growing slightly slower than
(yoy) tumbuh sedikit melambat dari pertumbuhan ekonomi Indonesia's economic growth in 2023 of 5.05% (yoy).
Indonesia tahun 2023 sebesar 5,05% (yoy).
Meski dihadapkan oleh berbagai tantangan, pencapaian bisnis Despite facing various challenges, the Bank's business
Bank untuk tahun 2024 tetap menunjukkan pertumbuhan achievements for 2024 still show positive growth in terms of
yang positif baik dari sisi kredit yang diberikan Bank dan Dana both the Bank's loans and the Bank's Third Party Funds. In
Pihak Ketiga Bank. Dari sisi pendanaan, Dana Pihak Ketiga terms of funding, the Bank's Third Party Funds at the end of
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Bank pada akhir tahun 2024 tercatat sebesar Rp13.250.062 2024 were recorded at IDR 13,250,062 million, or 95.06% of
juta atau tercapai sebesar 95,06% dari RBB dan tumbuh the RBB, and grew by 20.12% from the position at the end of
sebesar 20,12% dari posisi akhir Desember 2023 sebesar December 2023 of IDR 11,031,119 million, with the largest
Rp11.031.119 juta dengan peningkatan tersesar dalam bentuk increase in the form of time deposits and demand deposits.
deposito berjangka dan giro. Dengan kondisi tersebut CASA With these conditions, the Bank's CASA Ratio at the end of
Rasio Bank pada akhir tahun 2024 terealisasi sebesar 22,58% 2024 is realized at 22.58%, an increase of 4.48% from 18.10%
meningkat 4,48% dari tahun 2023 sebesar 18,10%. in 2023.
Sementara penyaluran kredit Bank pada akhir Desember Meanwhile, the Bank's lending at the end of December 2024
2024 terealisasi sebesar Rp16.438.254 juta, tercapai 96,69% was realized at IDR 16,438,254 million, reaching 96.69% of
dari RBB dan tumbuh sebesar Rp3.191.815 juta atau 24,10% the RBB and growing by IDR 3,191,815 million or 24.10% from
dari posisi akhir tahun 2023 sebesar Rp13.246.439 juta. the position at the end of 2023 of IDR 13,246,439 million. The
Pertumbuhan penyaluran kredit Bank berada di atas growth of the Bank's lending is above the national banking
pertumbuhan kredit perbankan nasional tahun 2024 sebesar credit growth in 2024 of 10.39% (yoy). Based on the type of
10,39% (yoy). Berdasarkan jenis penggunaannya, realisasi use, the realization of lending is still in accordance with the
penyaluran kredit masih sesuai dengan kebijakan Bank untuk Bank's policy to focus on financing productive sectors with
fokus pada pembiayaan sektor-sektor produktif dengan the highest portfolio being working capital loans at 84.27%,
portfolio tertinggi adalah kredit modal kerja sebesar 84,27% followed by investment loans at 15.03% and consumer loans
diikuti oleh kredit investasi sebesar 15,03% dan kredit konsumsi at 0.70%. With the achievement of Third Party Funds and
sebesar 0,70%. Dengan pencapaian Dana Pihak Ketiga dan Bank lending, the Bank's Loan to Deposit (LDR) realization at
penyaluran kredit Bank, realisasi Loan to Deposit (LDR) Bank the end of 2024 was recorded at 124.06%.
pada akhir tahun 2024 tercatat sebesar 124,06%.
Realisasi pendapatan bunga Bank hingga akhir tahun 2024 The realization of the Bank's interest income until the end of
terealisasi sebesar Rp1.513.565 juta atau tercapai sebesar 2024 was realized at IDR 1,513,565 million or reached 100.94%
100,94% dan mengalami peningkatan sebesar 25,79% dari and increased by 25.79% from the realization of interest
realisasi pendapatan bunga tahun 2023 sebesar Rp1.203.295 income in 2023 of IDR 1,203,295 million. Meanwhile, the
juta. Sementara itu, pertumbuhan bisnis Bank juga tercermin Bank's business growth is also reflected in the realization of
pada realisasi net interest income Bank yang terealisasi the Bank's net interest income, which amounted to IDR 712,464
sebesar Rp712.464 juta atau tercapai 97,77% dari RBB dan million or 97.77% of the RBB and an increase of 33.98% from
meningkat sebesar 33,98% dari realisasi net interest income the December 2023 net interest income realization of IDR
Desember 2023 sebesar Rp531.756 juta. Realisasi net interest 531,756 million. The realization of the Bank's net interest
margin Bank pada tahun 2024 juga menunjukkan hasil yang margin in 2024 also shows good results, which is realized at
baik yakni terealisasi sebesar 3,76% di atas RBB sebesar 3.76% above the RBB of 3.72% and has increased from the
3,72% dan mengalami peningkatan dari akhir Desember 2023 end of December 2023 which was realized at 3.62%.
yang terealisasi sebesar 3,62%.
Sejalan dengan target Bank pada tahun 2024 dalam In line with the Bank's target in 2024 to increase lending,
meningkatkan kredit yang diberikan terutama pada segmen especially in the Corporate and Commercial segments, the
Corporate dan Commercial, maka Bank merasa perlu melakukan Bank felt the need to implement overlay management from
penerapan manajemen overlay dari post model adjustment the post-model adjustment related to changes in the calculation
terkait perubahan perhitungan PD dan LGD dengan of PD and LGD by using the new calculation results of the
menggunakan hasil perhitungan baru atas model kerugian expected credit loss model as a way to mitigate possible
kredit ekpektasian sebagai salah satu cara untuk memitigasi credit risks, so that the Bank increased the allowance for
risiko kredit yang mungkin timbul, sehingga Bank melakukan impairment of financial assets (loans). This caused the Bank
penambahan cadangan penurunan nilai aset keuangan (kredit). to record a net loss after tax of IDR 247,213 million at the end
Hal itu menyebabkan Bank pada akhir tahun 2024 mencatat of 2024. This condition also had an impact on a number of
Rugi bersih setelah pajak sebesar Rp247.213 juta. Kondisi the Bank's ratios. The Bank's ROA, ROE and BOPO ratios at
tersebut juga berdampak pada sejumlah rasio Bank. Rasio the end of December 2024 were realized at -1.43, -3.79%,
ROA, ROE dan BOPO Bank pada akhir Desember 2024 and 120.13%, respectively.
terealisasi masing-masing sebesar -1,43, -3,79%, dan 120,13%.
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Analisa dan Pembahasan Manajemen
Management Discussion and Analysis
Proyeksi Tahun 2025
Projection in 2025
Dengan mempertimbangkan pencapaian bisnis Bank di tahun Taking into account the Bank's business achievements in
2024 dan prospek bisnis kedepan, untuk itu Bank telah 2024 and future business prospects, the Bank has compiled
menyusun dan menetapkan RBB untuk tahun 2025 pada and established a RBB for 2025 with several key targets for
beberapa target utama di tahun 2025 sebagai berikut: 2025 as follows:
Dalam jutaan Rupiah I In million Rupiah
Uraian Target 2025
Description Projection in 2025
Total aset 26.717.126
Total assets
Kredit yang diberikan 19.844.684
Loans
Dana Pihak Ketiga (DPK)
Third Party Funds (DPK)
Giro 2.969.276
Current accounts
Tabungan 1.199.738
Saving accounts
Deposito 12.501.887
Time deposits
LDR 119,04%
NPL Gross 2,91%
ROA 0,25%
ROE 0,97%
NIM 3,76%
CIR 71,12%
BOPO 96,78%
CAR 35,55%
Bank telah menyusun langkah strategis untuk mendukung The bank has formulated strategic steps to support the bank's
pertumbuhan bisnis Bank untuk sepanjang tahun 2025 dan business growth for the whole of 2025 and projects credit
memproyeksikan pertumbuhan kredit tumbuh sebesar ±20% growth of ±20% and deposits growth of ±25%, so that the
dan pertumbuhan DPK sebesar ±25% sehingga LDR Bank bank's LDR is projected to be at the level of 119.04% by the
diproyeksikan pada level 119,04% pada akhir tahun 2025. end of 2025. Although the bank's LDR is still above 100%, the
Meskipun LDR bank masih diatas 100% namun bank tetap bank can still maintain its liquidity because it still has funds
dapat menjaga likuiditas bank, karena bank masih memiliki from the capital increase in 2023. In order to increase the
dana dari penambahan modal di tahun 2023. Dalam rangka Current Account Savings Account (CASA), the Bank will
meningkatkan Current Account Saving Account (CASA), Bank continue to take strategic steps by continuing and launching
akan terus melakukan langkah-langkah strategis dengan a number of tactical programs, so that the Bank's CASA ratio
melanjutkan dan meluncurkan sejumlah tactical program, at the end of 2025 is projected to be 25.01%.
sehingga rasio CASA Bank di akhir tahun 2025 diproyeksikan
sebesar 25,01%.
Dari sisi penyaluran kredit dan dalam rangka pemenuhan In terms of lending and in order to fulfill the Macroprudential
Rasio Pembiayaan Inklusif Makroprudensial (RPIM), Bank tidak Inclusive Financing Ratio (RPIM), the Bank will not only lend
hanya akan menyalurkan kredit kepada pelaku UMKM secara directly to MSME actors, but will also lend through a supply
langsung, namun Bank juga akan menyalurkan kredit melalui chain lending scheme to non-MSME business entities other
skema pemberian kredit melalui rantai pasok kepada badan than Financial Services Institutions that are channeled to
usaha non-UMKM selain Lembaga Jasa Keuangan yang finance MSMEs, inclusive financing to Low-Income Individuals
disalurkan untuk membiayai UMKM, pembiayaan inklusif (PBR), lending to non-MSME housing developers channeled
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kepada Perorangan Berpenghasilan Rendah (PBR), pemberian to finance the construction of simple and/or very simple houses
kredit kepada pengembang perumahan non-UMKM yang and/or the purchase of simple and/or very simple houses by
disalurkan untuk membiayai proyek pembangunan rumah the community with gradual payments to developers, as well
sederhana dan/atau rumah sangat sederhana dan/atau as financing to MSMEs through Rural Bank / Rural Bank for
pembelian rumah sederhana dan/atau rumah sangat sederhana Islamic Financing & Non-Bank Financial Services Institutions
oleh masyarakat dengan pembayaran bertahap kepada and Finance Companies (Finance Company).
pengembang, serta pembiayaan kepada UMKM melalui
Lembaga Jasa Keuangan BPR / BPRS & Lembaga Jasa Keuangan
Non-Bank dan Perusahaan Pembiayaan (Finance Company).
Prospek Usaha dan Strategi Tahun 2025
Business Prospect and Strategies in 2025
Perekonomian global secara umum pada tahun 2024 The global economy in general in 2024 shows that the rapidly
menunjukkan bahwa dinamika geopolitik dunia yang cepat changing geopolitical dynamics of the world have affected
berubah telah mempengaruhi perkembangan ekonomi global global economic development throughout 2024 and are
disepanjang tahun 2024 dan diprediksikan akan terus berlanjut. predicted to continue. Entering 2025, the IMF in its World
Memasuki tahun 2025, IMF dalam World Economic Outlook Economic Outlook in January 2025, projects that the global
pada Januari 2025, memproyeksikan perekonomian global economy will grow by 3.3% for 2025 and 2026.
akan tumbuh sebesar 3,3% untuk tahun 2025 dan 2026.
Bank Indonesia memproyeksikan prospek perekonomian Bank Indonesia projects that the outlook for the Indonesian
Indonesia akan terus membaik, yang didorong oleh penguatan economy will continue to improve, driven by strengthened
sinergi kebijakan transformasi ekonomi nasional untuk synergies in national economic transformation policies to
mendukung implementasi berbagai program strategis yang support the implementation of various strategic programs
dirancang oleh Pemerintah, sehingga dapat mendorong designed by the Government, thus driving economic growth
pertumbuhan ekonomi sebesar 4,7% - 5,5% pada tahun 2025 of 4.7% - 5.5% in 2025 and projected to continue to increase
dan diproyeksikan akan terus meningkat ditahun-tahun in the coming years with inflation maintained at around 2.5
mendatang dengan inflasi yang akan tetap terjaga pada kisaran ± 1%.
2,5±1%.
Sejalan dengan prospek perekonomian yang tetap baik, In line with the continued good economic outlook, bank credit
pertumbuhan kredit perbankan diproyeksikan berada pada growth is projected to be in the range of 11% - 13% for 2025.
kisaran 11% - 13% untuk tahun 2025.
Melihat pada prospek perekonomian Indonesia untuk tahun Looking at the prospects for the Indonesian economy for
2025 serta dengan pertimbangan pada faktor risiko eksternal 2025 and taking into account external and internal risk factors,
maupun internal, Bank telah menetapkan target pertumbuhan the Bank has set a credit growth target for 2025 which is
kredit untuk tahun 2025 yang diproyeksikan tumbuh sebesar projected to grow by ±20% and deposits growth of ±25%, so
±20% dan pertumbuhan DPK sebesar ±25%, sehingga Bank that the Bank can maintain liquidity at an adequate level, the
dapat menjaga likuiditas pada tingkat yang memadai, LDR Bank's LDR is projected at 119.04% by the end of 2025.
Bank diproyeksikan pada level 119,04% pada akhir tahun 2025.
Bank akan melakukan inisiatif - inisiatif yang akan dilakukan The Bank will carry out initiatives in line with the Bank's short-
Bank sejalan dengan target jangka pendek hingga jangka to long-term targets of building a strong structure of deposits
panjang Bank yaitu membangun struktur DPK dan Kredit yang and loans through a combination of physical and digital
kuat melalui perpaduan ekspansi secara fisik dan digital, maka expansion, so the Bank continuously launches various new
Bank secara berkesinambungan meluncurkan berbagai produk products and/or activities that support digital banking services.
dan/atau aktivitas baru yang mendukung layanan perbankan The development of the Bank's digital channel enhancement
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Analisa dan Pembahasan Manajemen
Management Discussion and Analysis
digital. Pengembangan digital channel enhancement Bank is aimed at accommodating changes in people's behavior in
ditujukan untuk mengakomodir perubahan behavior masyarakat carrying out economic activities, including preferences for
dalam melakukan aktivitas ekonomi antara lain preferensi using non-cash instruments and contactless transactions.
untuk menggunakan noncash instrument serta transaksi yang The increasing level of digital adoption among the public
bersifat contactless. Semakin tingginya tingkat adopsi digital demands the digitization of banking services in order to
masyarakat menuntut digitalisasi layanan perbankan agar provide a more advanced digital customer experience.
dapat memberikan digital customer experience yang lebih Especially Generation Y, also known as digital natives because
advance. Terlebih Generation Y atau yang dikenal dengan they grew up in the era of digital technology, so they will
digital natives karena mereka tumbuh di era teknologi digital, always choose banking products/services that support their
sehingga mereka akan selalu memilih produk/layanan perbankan digital lives. For this reason, the Bank's digital channel
yang mendukung digital lives mereka. Untuk itu, rencana development plans for 2025 include:
pengembangan digital channel yang akan dilakukan Bank di
tahun 2025, antara lain:
• QRIS Merchant App Enhancement pengembangan fitur • QRIS Merchant App Enhancement: development of features
pada aplikasi QRIS untuk merchant yang bertujuan on the QRIS application for merchants aimed at increasing
meningkatkan kemudahan dan efisiensi dalam mengelola the ease and efficiency of managing transactions.
transaksi.
• Maspion QR yang merupakan pengembangan transaksi • Maspion QR: a development of QRIS transactions including:
QRIS meliputi: Maspion QR-Customer Presented Mode (CPM): Maspion
Maspion QR- Customer Presented Mode Customer QR-CPM is more aimed at merchants who require high
Presented Mode (CPM), Maspion QR - CPM lebih ditujukan transaction speeds such as transportation, parking, and
untuk merchant yang membutuhkan kecepatan transaksi modern retail providers. Second, Maspion QR - Cross
tinggi seperti penyedia transportasi, parkir, dan ritel modern. Border, allows consumers and merchants in two countries
Kedua, Maspion QR – Cross Border, memungkinkan to make and receive payments for goods and services
konsumen dan pedagang di dua negara dapat melakukan via QR Code. QR Cross-Border has an important role to
dan menerima pembayaran barang dan jasa melalui QR play in increasing transaction efficiency, supporting the
Code. QR Cross-Border memiliki peran penting untuk digitization of trade and investment, and maintaining
meningkatkan efisiensi transaksi, mendukung digitalisasi macroeconomic stability by expanding the use of transaction
perdagangan dan investasi, dan menjaga stabilitas makro settlements using local currency (LCS).
ekonomi dengan memperluas penggunaan penyelesaian
transaksi menggunakan mata uang lokal (LCS).
Upaya mendukung strategi bisnis dalam mencapai target yang In an effort to support the business strategy in achieving the
telah ditetapkan untuk tahun 2025, Treasuri telah menetapkan targets set for 2025, Treasuri has set a number of strategic
sejumlah fokus strategi yakni dengan terus menjalankan focuses, namely by continuing to develop FX Spot and FX
pengembangan transaksi FX Spot dan FX Forward dengan Forward transactions by selling FX Spot and FX Forward
melakukan penjualan produk FX Spot dan FX Forward kepada products to customers aimed at increasing the volume of
nasabah yang ditujukan untuk meningkatkan volume transaksi customer forex transactions and increasing cross-selling
valas nasabah dan meningkatkan aktivitas cross-selling dengan activities with other departments. In order to increase customer
bagian lain. Guna untuk meningkatkan transaksi keuangan financial transactions, especially for corporate and commercial
nasabah khususnya bagi nasabah corporate dan commercial customers, which ultimately aims to increase fund deposits
yang pada akhirnya bertujuan untuk meningkatkan pengendapan and increase fee-based income, the Bank will also launch
dana dan meningkatkan fee-based income, maka Bank juga trade and treasury products such as FX Forward Outright, FX
akan meluncurkan produk-produk trade dan treasuri seperti Swap, FX Domestic Non-Deliverable Forward (DNDF), Export
FX Forward Outright, FX Swap, FX Domestic Non-Deliverable Bill Negotiation (NWE) & Export Bill Discounting (DWE) as well
Forward (DNDF), Negosiasi Wesel Ekspor (NWE) & Diskonto as Discounting and Forfaiting.
Wesel Ekspor (DWE) serta Discounting dan Forfaiting.
Untuk mendukung pertumbuhan bisnis kedepannya, Bank To support future business growth, the Bank will continue its
akan melanjutkan transformasi dari sisi pengembangan Sumber transformation in terms of Human Resources development
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Daya Manusia dengan melakukan beberapa perubahan untuk by making several changes to support the Bank's strategy
mendukung strategi Bank dan unit bisnis, terutama untuk and business units, especially to achieve optimal productivity
mencapai produktivitas yang optimal dan memenangkan and win business competitions in the market. The Bank will
kompetisi bisnis di pasar. Bank akan senantiasa berupaya always strive to support the competencies of all its employees
untuk menunjang kompetensi seluruh karyawannya dengan with various training programs throughout the year.
berbagai pelatihan disepanjang tahun.
Kebijakan Permodalan dan Struktur Modal
Capital Policies and Capital Structure
Guna memastikan permodalan Bank dapat mendukung strategi To ensure that the Bank’s capital will support business
pengembangan usaha, mempertahankan kelangsungan bisnis development strategies, maintain business continuity in the
di masa mendatang, menjaga kecukupan modal sesuai dengan future, maintain capital adequacy as required by the risk
profil risiko serta memenuhi persyaratan permodalan yang profile, and meet the capital requirements stipulated by the
ditetapkan oleh regulator, maka Bank menentukan kebijakan regulator, the Bank determines its capital policy. The Board
permodalan. Direksi menyusun rencana permodalan of Directors prepared a capital plan based on assessing the
berdasarkan penilaian atas kebutuhan kecukupan permodalan required capital adequacy needs and adjusted it to the latest
yang dipersyaratkan serta disesuaikan dengan perkembangan economic developments. The plan is presented in the RBB
ekonomi terkini. Rencana tersebut telah dituangkan pada RBB and has been approved by the Board of Commissioners. The
dan telah disetujui oleh Dewan Komisaris. Kebijakan permodalan capital policy and structure refer to the Financial Services
dan struktur modal mengacu pada Peraturan Otoritas Jasa Authority Regulation No. 34/POJK.03/2016, dated September
Keuangan No. 34/ POJK.03/2016 tanggal 22 September 2016 22, 2016, regarding the Amendment to POJK No. 11/
tentang Perubahan atas POJK No. 11/POJK.03/2016 tentang POJK.03/2016 regarding the Minimum Capital Adequacy
Kewajiban Penyediaan Modal Minimum Bank Umum. Requirement of Commercial Banks.
Secara periodik Bank telah melakukan proses penilaian The Bank has periodically conducted Internal Capital Adequacy
kecukupan permodalan (Internal Capital Adequacy Assessment Assessment (ICAAP) and stress tests on its capital, which
– ICAAP) dan stress test terhadap permodalan yang menunjukkan show that the Bank’s capital position can adequately cover
bahwa posisi permodalan Bank dapat menutup kerugian yang losses from various potential risks faced by the Bank.
ditimbulkan dari berbagai potensi risiko yang dihadapi oleh
Bank secara memadai.
KOMPONEN MODAL CAPITAL COMPONENT
Dalam jutaan Rupiah I In million Rupiah
Uraian
2024 2023
Description
Modal
Capital
Tier 1 6.240.082 6.581.412
Tier 1
Tier 2 150.402 118.984
Tier 2
Jumlah modal 6.390.484 6.700.396
Total capital
Aset Tertimbang Menurut Risiko untuk risiko kredit 14.119.691 12.906.303
Risk Weighted Assets for Credit Risk
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Analisa dan Pembahasan Manajemen
Management Discussion and Analysis
Dalam jutaan Rupiah I In million Rupiah
Uraian
2024 2023
Description
Aset Tertimbang Menurut Risiko untuk risiko pasar 41.034 34.833
Risk Weighted Assets for market risk
Aset Tertimbang Menurut Risiko untuk risiko operasional 522.175 426.863
Risk Weighted Assets for operational risk
Jumlah Aset Tertimbang Menurut Risiko 14.682.900 13.367.999
Total Weighted Assets by Risk
Rasio KPMM 43,52% 50,12%
Capital Adequacy Ratio
Pada tahun 2024 dan 2023, Bank telah memenuhi semua In 2024 and 2023, the Bank has fulfilled all the required
persyaratan modal yang diwajibkan. capital requirements.
Tingkat Kolektibilitas Piutang
Collectability of Receivables
Bank mengukur tingkat kolektibilitas piutang melalui tingkat The Bank measures the collectability of its receivables through
kolektibilitas kredit sesuai dengan rasio kredit bermasalah the level of credit collectability in accordance with the non-
(NPL). performing loan ratio (NPL).
Pada tahun 2024, Rasio NPL bruto dan neto masing-masing In 2024, the gross and net NPL ratios were recorded at 3.26%
tercatat sebesar 3,26% dan 2,07%. and 2.07% respectively.
Bank telah menerapkan berbagai upaya untuk memitigasi The Bank has implemented various efforts to mitigate the
rasio NPL yang memburuk antara lain dengan menganalisa worsening NPL ratio, among others, by analysing lending
pemberian kredit secara menyeluruh sesuai dengan profil thoroughly in accordance with the Bank's risk profile, monitoring
risiko Bank, pemantauan kondisi usaha/keuangan debitur the business/financial condition of debtors on a regular basis,
secara rutin/berkala, serta upaya percepatan penyelesaian as well as efforts to accelerate the settlement of non-performing
kredit bermasalah. Selain itu, bank juga meningkatkan loans. In addition, bank is also increasing the provision of
pembentukan Cadangan Kerugian Penurunan Nilai (CKPN) allowance for impairment losses along with the implementation
seiring dengan diterapkannya overlay sebagai salah satu of overlay as an effort to anticipate possible declines in the
upaya untuk mengantisipasi kemungkinan terjadinya penurunan value of financial assets. In 2024, the Bank has provided an
nilai aset keuangan. Pada tahun 2024, bank telah membentuk allowance for impairment losses credit of Rp463,373 million
CKPN kredit sebesar Rp463.373 juta dan manajemen and management is of the opinion that the allowance for
berpendapat bahwa CKPN tersebut cukup memadai untuk impairment losses is sufficient to cover the possibility of non-
menutup kemungkinan tidak tertagihnya kredit yang diberikan. collectable loans.
Kemampuan Membayar Utang
Solvency Analysis
Bank menjaga likuiditas yang memadai agar dapat memenuhi The Bank maintains adequate liquidity to meet short-term
liabilitas jangka pendek maupun jangka panjang, antara lain and long-term liabilities, among others, by setting cash holding
dengan menetapkan pagu kas (cash holding limit) pada setiap limits in each office to ensure that each office can meet short-
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kantor sehingga masing-masing kantor dapat memenuhi term liabilities through third-party fund withdrawals. The Bank
liabilitas jangka pendek berupa penarikan dana pihak ketiga. also places secondary reserves into liquid financial instruments,
Bank juga menempatkan secondary reserve ke dalam instrumen including placements within Bank Indonesia, Government
keuangan yang likuid antara lain penempatan ke Bank Indonesia, Securities and SRBI that can be converted into cash without
Surat Utang Negara, dan SRBI yang dapat dengan mudah impairment. Bank's solvency is reflected in the ratio of liquidity
dijadikan kas tanpa terjadi penurunan nilai. Ketersediaan assets to third party funds (AL/DPK) in December 2024 of
likuiditas Bank tercermin dari rasio Aset Likuid atas Dana Pihak 26.38%, which is above the 10% threshold. The composition
Ketiga (AL/DPK) pada bulan Desember 2024 sebesar 26,38% of the Bank’s liquid assets is as follows:
yang berada di atas ambang batas 10%. Komposisi aset likuid
Bank adalah sebagai berikut:
ASET LIKUID LIQUID ASSETS
Dalam jutaan Rupiah I In million Rupiah
Uraian
2024 2023
Description
Kas 137.960 76.592
Cash
Penempatan pada Bank Indonesia 216.476 399.942
Placement with Bank Indonesia
Efek-efek 3.015.139 2.431.540
Marketable securities
Efek-efek yang dibeli dengan janji dijual kembali (Reverse Repo) 792.724 1.409.355
Securities Purchased Under Resale Agreement
Jumlah 4.162.299 4.317.429
Total
Ikatan Material untuk Investasi Barang Modal
Material Commitment for Capital Expenditure
Selama tahun 2024 Bank Maspion memiliki ikatan material During 2024 Bank Maspion has material commitment for
untuk investasi barang modal, sehubungan dengan hal tersebut capital expenditure, in this regard the Bank submits the
Bank menyampaikan informasi diantaranya: following information:
Tujuan Objective
Ikatan material untuk investasi barang modal diantaranya The purpose of material commitment for capital expenditure
pembelian perabot dan peralatan kantor serta kendaraan includes the purchase of furniture and office equipment as
bermotor dengan tujuan melakukan peremajaan sarana well as motor vehicles with the aim for rejuvenation operational
operasional agar lebih dapat menunjang kegiatan bisnis Bank. facilities to support the Bank’s business activities.
Sumber Dana Source of Funds
Bank memenuhi kebutuhan atas Investasi Barang Modal The Bank meets the needs of Capital expenditure using the
menggunakan perolehan dana dari HMETD III dan akumulasi additional capital through pre-emptive rights III and accumulation
dari laba organik dengan menggunakan denominasi mata of organic profits by using rupiah to mitigate exchange rate
uang rupiah guna memitigasi atas risiko nilai tukar. risk.
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Analisa dan Pembahasan Manajemen
Management Discussion and Analysis
Investasi Barang Modal
Capital Expenditure
JENIS DAN NILAI INVESTASI TYPE AND VALUE OF CAPITAL
BARANG MODAL GOODS INVESTMENT
Berikut adalah realisasi jenis dan nilai investasi barang modal The following is the realization of the type and value of capital
pada tahun 2024 dan 2023: expenditure in 2024 and 2023:
Investasi Barang Modal Capital Expenditure Investment
Dalam jutaan Rupiah I In million Rupiah
Uraian
2024 2023
Description
Bangunan dan prasarana 127 385
Buildings and infrastructures
Mesin pembangkit tenaga listrik - 409
Power plant
Perabot dan peralatan kantor* 9.878 11.956
Furniture and office equipments*
Kendaraan bermotor 6.212 732
Motor vehicles
Aset dalam penyelesaian 2.460 1.917
Assets in progress
Jumlah 18.677 15.399
Total
TUJUAN INVESTASI BARANG CAPITAL EXPENDITURE
MODAL OBJECTIVE
Bank melakukan investasi barang modal pada tahun 2024 In 2024, the Bank invested in capital expenditure to support
bertujuan untuk menunjang aktivitas operasional, pertumbuhan operational activities and business growth and improve the
bisnis, meningkatkan kinerja pelayanan produk dan fasilitas performance of the Bank’s product services and business
jaringan usaha Bank sebagai respon atas kebutuhan nasabah network facilities to respond to the increasingly diverse needs
yang semakin beragam. of customers.
Bank melakukan investasi barang modal secara konsisten The Bank consistently invests in capital expenditures such
dalam bentuk pembelian perangkat keras, perangkat lunak, as the purchase of hardware, software, vehicles, and furniture
kendaraan serta perabot dan peralatan kantor. Pengeluaran and office equipment. Spending on capital expenditures
untuk belanja barang modal berasal dari perolehan dana comes from the additional capital through pre-emptive rights
melalui HMETD III dan akumulasi dari laba organik Bank. III and accumulation from the Bank’s organic profits.
Informasi dan Fakta Material
Setelah Tanggal Laporan Akuntan
Material Information and Facts
After The Accountant’s Report Date
Tidak terdapat informasi dan fakta material setelah tanggal No material information and facts available after the
laporan akuntan. accountant’s report date.
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Informasi Material Mengenai Investasi, Ekspansi,
Akuisisi, Divestasi dan Restrukturisasi Utang
Material Information Regarding Investment, Expansion,
Acquisitions, Divestments and Debt Restructuring
Selama tahun 2024, tidak terdapat investasi, ekspansi, akuisisi, During 2024, there were no material information regarding
divestasi dan restrukturisasi utang. investment, expansion, acquisitions, divestments and debt
restructuring.
Informasi Material Mengenai Transaksi Afiliasi dan
Transaksi Yang Mengandung Benturan Kepentingan
Material Information Regarding Affiliated Transactions
and Transactions With Conflict of Interest [GRI 2-15]
TRANSAKSI AFILIASI AFFILIATED TRANSACTIONS
Transaksi Afiliasi adalah setiap aktivitas dan/atau transaksi Affiliated Transaction is any activity and/or transaction
yang dilakukan oleh perusahaan terbuka atau perusahaan conducted by a listed public company or a controlled company
terkendali dengan Afiliasi dari perusahaan terbuka atau Afiliasi with Affiliates of the listed public company or Affiliates of
dari anggota Direksi, anggota Dewan Komisaris, pemegang members of the Board of Directors, members of the Board of
saham utama, atau Pengendali, termasuk setiap aktivitas dan/ Commissioners, major shareholders, or Controllers, including
atau transaksi yang dilakukan oleh perusahaan terbuka atau any activity and/or transaction conducted by a listed public
perusahaan terkendali untuk kepentingan Afiliasi dari company or a controlled company for the benefit of Affiliates
perusahaan terbuka atau Afiliasi dari anggota Direksi, anggota of the listed public company or Affiliates of members of the
Dewan Komisaris, pemegang saham utama, atau Pengendali. Board of Directors, members of the Board of Commissioners,
major shareholders, or Controllers.
Selama tahun 2024 tidak terdapat transaksi yang dapat During 2024, no transactions were categorized as affiliated
dikategorikan sebagai transaksi afiliasi. transactions.
TRANSAKSI YANG MENGANDUNG TRANSACTIONS WITH CONFLICT
BENTURAN KEPENTINGAN OF INTEREST
Transaksi Benturan Kepentingan adalah transaksi yang dilakukan A transaction with a Conflict of Interest is conducted by a
oleh perusahaan terbuka atau perusahaan terkendali dengan public company or a controlled company with any party that
setiap pihak, baik dengan Afiliasi maupun pihak selain Afiliasi contains a Conflict of Interest, either with an Affiliate or a
yang mengandung Benturan Kepentingan. party other than an Affiliate.
Selama tahun 2024 tidak terdapat transaksi yang dapat In 2024, no transaction can be categorized as a conflict of
dikategorikan sebagai transaksi yang mengandung benturan interest.
kepentingan.
TRANSAKSI PIHAK BERELASI RELATED PARTY TRANSACTIONS
Sebagai bagian dari kegiatan normal usaha, Bank melakukan As part of its normal business activities, the Bank conducts
transaksi dengan pihak-pihak berelasi karena hubungan transactions with related parties due to ownership and/or
kepemilikan dan/atau kepengurusan, berupa penempatan management relationships, in the form of placements of funds
dana dari pihak ketiga dan bank lain, penyaluran kredit, sewa from third parties and other banks, loan distribution, lease,
menyewa, letter of credit, inkaso yang belum terselesaikan, letters of credit, outstanding bills not yet cleared, bank
bank garansi, dan jasa konsultasi dengan kondisi dan guarantees issued, and consultation fee with normal conditions
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Analisa dan Pembahasan Manajemen
Management Discussion and Analysis
persyaratan normal. Dari sisi penyaluran dana, kredit kepada and requirements. In terms of funds distribution, loans to
pihak berelasi adalah sebesar Rp113.000 juta pada akhir tahun related parties were Rp113,000 million at the end of 2024
2024 dan Rp113.193 juta pada akhir tahun 2023 atau sebesar and Rp113,193 million at the end of 2023, or 0.51% and 0.58%
0,51% dan 0,58% dari total aset Bank. of the Bank’s total assets.
Dari sisi penghimpunan dana, total simpanan pihak berelasi From the fundraising side, total deposits from related parties
tercatat sebesar Rp295.866 juta pada akhir tahun 2024 dan were recorded at Rp295,866 million at the end of 2024 and
Rp476.687 juta pada akhir tahun 2023 atau sebesar 1,87% Rp476,687 million at the end of 2023, or 1.87% and 3.68% of
dan 3,68% dari total liabilitas Bank. Simpanan dari bank lain the Bank’s total liabilities. Deposits from other related banks
yang merupakan pihak berelasi adalah sebesar Rp565.101 were Rp565,101 million at the end of 2024 and Rp770,416
juta pada akhir tahun 2024 dan Rp770.416 juta pada akhir million at the end of 2023, or 3.57% and 5.95% of the Bank’s
tahun 2023 atau sebesar 3,57% dan 5,95% dari total liabilitas total liabilities.
bank.
Informasi rinci terkait transaksi pihak berelasi Bank tersedia Detailed information related to the Bank's related party
dalam laporan keuangan tahun buku 2024 pada Catatan 33. transactions is available in the financial statements for the
financial year 2024 in Note 33.
Perubahan Kebijakan Akuntansi
Changes in Accounting Policies
Laporan keuangan untuk tahun yang berakhir pada tanggal The financial statements for the year ended December 31,
31 Desember 2024 dan 2023 disusun dan disajikan sesuai 2024 and 2023 were prepared and presented in accordance
dengan Standar Akuntansi Keuangan di Indonesia, yang with Indonesian Financial Accounting Standards, which include
mencakup Pernyataan dan Interpretasi yang dikeluarkan oleh Statements and Interpretations issued by the Board of Financial
Dewan Standar Akuntansi Keuangan Ikatan akuntan Indonesia Accounting Standards of the Indonesian Institute of Accountants
dan dengan Peraturan Badan Pengawas Pasar Modal dan and Capital Market and Financial Institutions Supervisory
Lembaga Keuangan (“Bapepam-LK”) No. VIII.G.7, tentang Agency (“Bapepam-LK”) regulation No. VIII.G.7, regarding the
“Penyajian dan Pengungkapan Laporan Keuangan Emiten “Financial Statements Presentation and Disclosure for Issuers
atau Perusahaan Publik”. or Public Companies”.
Bank telah konsisten menerapkan standar baru, amendemen Bank has consistently adopted the new standards, amendments
dan penyesuaian yang telah diterbitkan, dan yang akan berlaku and improvements issued and effective for the financial year
efektif untuk tahun buku yang dimulai pada atau setelah 1 at or after January 1, 2024 which do not have substantial
Januari 2024 namun tidak berdampak secara subtansial changes to the Bank’s accounting policies and had material
terhadap kebijakan akuntansi Bank dan pengaruh material impact on the financial statements are as follows:
terhadap laporan keuangan adalah sebagai berikut:
• PSAK 116 (amendemen), Sewa tentang Liabilitas Sewa • PSAK 116 (amendment), Leases regarding Lease Liability
dalam Jual dan Sewa Balik in a Sale and Leaseback
Amendemen ini mengatur pengukuran selanjutnya atas PSAK 116 (amendment), Leases regarding Lease Liability
transaksi jual dan sewa balik, mencakup penjelasan in a Sale and Leaseback. This amendment regulates the
bagaimana entitas mencatat penjualan dan penyewaan subsequent measurement of sale and leaseback
kembali setelah tanggal transaksi. transactions, to explain how an entity records sales and
leasebacks after the date of the transaction.
Sebelum Amendemen, PSAK 116 tidak membuat persyaratan Prior to the Amendments, PSAK 116 did not contain specific
pengukuran khusus untuk kewajiban sewa yang mungkin measurement requirements for lease liabilities that may
memuat pembayaran sewa variabel yang timbul dalam contain variable lease payments arising in a sale and
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transaksi jual dan sewa balik, seperti transaksi jual dan leaseback transaction, such as sale and leaseback
sewa kembali yang sebagian atau seluruh pembayaran transactions where some or all of the rental payments are
sewanya merupakan pembayaran sewa variabel yang variable rental payments that are not dependent on
tidak bergantung pada indeks atau suku bunga, kemungkinan indexes or rates are likely to be impacted. In applying the
besar akan terkena dampaknya. Dalam menerapkan subsequent measurement requirements of lease liabilities
persyaratan pengukuran kewajiban sewa berikutnya pada to a sale and leaseback transaction, the Amendments
transaksi jual dan sewa balik, amendemen mengharuskan require a sellerlessee to determine ‘lease payments’ or
penjual-penyewa untuk menentukan ’pembayaran sewa’ ‘revised lease payments’ in a way that the sellerlessee
atau ’pembayaran sewa yang direvisi’ sedemikian rupa would not recognise any amount of the gain or loss that
sehingga penjual-penyewa tidak akan mengakui sejumlah relates to the right of use retained by the seller-lessee.
keuntungan atau kerugian yang terkait dengan hak
pengguna yang dimiliki oleh penjual-penyewa.
• PSAK 201 (amendemen), Penyajian Laporan Keuangan • PSAK 201 (amendment), Presentation of Financial Statements
tentang Liabilitas Jangka Panjang dengan Kovenan regarding Long Term Liabilities with Covenant
Amendemen ini mengatur bahwa hanya kovenan yang This amendment provides that only covenants with which
harus dipatuhi entitas pada atau sebelum tanggal pelaporan an entity is subject to compliance on or before the reporting
sehingga kondisi yang harus dipatuhi suatu entitas dalam date which an entity must comply within twelve months
waktu dua belas bulan setelah periode pelaporan after the reporting period affect the classification of a
mempengaruhi klasifikasi suatu kewajiban yang akan liability, will affect the classification of liabilities as current
memengaruhi klasifikasi liabilitas jangka pendek atau or non-current and their disclosure.
jangka panjang serta pengungkapannya.
Amendemen ini tidak mempunyai pengaruh material atas This amendment has had no material impact on the
pengungkapan atau jumlah-jumlah yang diakui dalam disclosures or amounts recognized in the financial
laporan keuangan. statements.
Standar, amendemen dan interpretasi yang telah diterbitkan Standard, amendment, and interpretation which have been
yang berlaku efektif untuk periode yang dimulai atau setelah issued and effective for periods beginning on/or after January
tanggal 1 Januari 2025, yaitu: 1, 2025, is:
• PSAK 221 (amendemen) Pengaruh Perubahan Kurs Valuta • PSAK 221 (amendment) Effect of Changes in Foreign
Asing tentang kekurangan ketertukaran Exchange Rates on lack of convertibility
Amendemen ini menjelaskan pengaturan pengungkapan This amendment clarifies the provisions related to conditions
terkait kondisi ketika suatu mata uang tidak tertukarkan. when a currency is not convertible and its disclosure.
Sampai dengan tanggal penerbitan laporan keuangan, Bank As of the issuance date of the financial statements, the Bank
masih mempelajari dampak yang mungkin timbul atas penerapan is still evaluating the possible impact of the implementation
PSAK tersebut pada laporan keuangan. of these PSAKs to its financial statements.
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Management Discussion and Analysis
Suku Bunga Dasar Kredit (SBDK)
Prime Lending Rate (PLR)
Berdasarkan POJK No. 37/POJK.03/2019 tentang Transparansi Based on POJK No. 37/POJK.03/2019 concerning Transparency
dan Publikasi Laporan Bank, transparansi Suku bunga Dasar and Publication of Bank Reports, transparency of the Credit
Kredit (SBDK), sebagaimana telah diperbaharui melalui POJK Base Interest Rate (SBDK), as updated through POJK No. 13
No. 13 tahun 2024 tanggal 30 Juli 2024 tentang Transparansi of 2024 dated July 30, 2024 concerning Transparency and
dan Publikasi Suku Bunga Dasar Kredit Bagi Bank Umum Publication of Base Lending Interest Rates for Conventional
Konvensional, yang mewajibkan Bank untuk menyusun, Commercial Banks, which requires Banks to compile, announce
mengumumkan dan menyampaikan SBDK. Hal ini bertujuan and submit Base Lending Interest Rates. This aims to improve
agar dapat meningkatkan tata kelola perusahaan dan corporate governance and encourage healthy competition in
mendorong persaingan yang sehat dalam industri perbankan. the banking industry. Detailed information regarding changes
Informasi detail mengenai perubahan SBDK tersedia di kantor to the SBDK is available at the Bank's office and can be accessed
Bank dan dapat diakses melalui website Bank di www. via the Bank's website at www.bankmaspion.co.id.
bankmaspion.co.id.
Perhitungan SBDK didasarkan pada tiga komponen utama The SBDK calculation is based on three main components,
yaitu Harga Pokok Dana untuk Kredit (HPDK), biaya overhead namely the Cost of Funds for Credit (HPDK), overhead costs
yang dikeluarkan untuk kegiatan menghimpun dana dan incurred for fundraising and lending activities, and the profit
penyaluran kredit, dan juga profit margin yang ditetapkan margin set for lending activities. Based on POJK No. 13 of
untuk aktivitas perkreditan. Berdasarkan POJK No. 13 tahun 2024, there are several changes to the SBDK Preparation
2024, terdapat beberapa perubahan pada Rujukan Penyusunan Reference as well as additions to the credit segmentation
SBDK serta penambahan pada segmentasi kredit dari yang from the original 5 to 7 credit segments.
semula 5 segmentasi menjadi 7 segmentasi kredit.
Berikut merupakan informasi SBDK per triwulan yang telah The following is the quarterly SBDK information determined
ditetapkan oleh Bank selama tahun 2024: by the Bank during 2024:
Suku Bunga Dasar Kredit Rupiah
Base Interest Rate for Rupiah Loans
Akhir Priode
Kedit non UMKM Kredit UMKM Non KPR/
End of
Non-MSME Loans MSME Loans KPR/KPA Non KPA
Period
Korporasi Ritel Menengah *) Ritel *) Mikro KPR/KPA Non KPR/Non
Corporate Retail Medium Retail Micro KPA
Triwulan I 8,60% 9,10% N.A N.A N.A 9,20% 9,20%
2024
Quarter I of
2024
Triwulan II 7,16% 8,06% N.A N.A N.A 9,40% 8,36%
2024
Quarter II of
2024
Triwulan III 7,12% 8,07% N.A N.A N.A 9,37% 8,19%
2024
Quarter III of
2024
Triwulan IV 7,33% 7,56% 8,13% 8,13% 8,13% 8,13% 8,13%
2024
Quarter IV of
2024
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Tinjauan Pendukung Bisnis
Business Supporting Review
Sumber Daya Manusia
Human Resources
Pengelolaan Sumber Daya Manusia (SDM) di Bank Maspion Human Resource Management (HRM) at Bank Maspion is
difokuskan pada pengembangan pola pikir yang agile, yang focused on developing an agile mindset, which is one of the
merupakan salah satu kunci untuk memastikan keselarasan keys to ensuring alignment with the Bank's vision and mission.
dengan visi dan misi Bank. Bank berkomitmen untuk menciptakan The Bank is committed to creating an environment that allows
lingkungan yang memungkinkan setiap individu untuk each individual to develop in accordance with the changing
berkembang sesuai dengan tuntutan zaman yang terus demands of the times. By prioritizing the quality of dynamic
berubah. Dengan memprioritaskan kualitas SDM yang dinamis and adaptive human resources, Bank Maspion can build a
dan adaptif, Bank Maspion dapat membentuk tim yang siap team that is ready to face the challenges of an increasingly
menghadapi tantangan pasar yang semakin kompleks dan complex and fast-changing market. This strategy includes
cepat berubah. Strategi ini mencakup akuisisi talenta yang careful talent acquisition, ongoing training programs, and the
cermat, program pelatihan yang berkelanjutan, serta development of a performance management system that
pengembangan sistem manajemen kinerja yang memastikan ensures every employee can develop and contribute optimally
setiap pegawai dapat berkembang dan berkontribusi secara to organizational goals.
maksimal terhadap tujuan organisasi.
Melalui pendekatan ini, Bank Maspion tidak hanya dapat Through this approach, Bank Maspion can not only respond
merespons dengan cepat terhadap perubahan pasar, tetapi quickly to market changes, but also capitalize on opportunities
juga memanfaatkan peluang yang ada untuk memastikan to ensure long-term success. The Bank realizes that in an
keberhasilan jangka panjang. Bank menyadari bahwa dalam increasingly competitive business world, the ability to adapt
dunia bisnis yang semakin kompetitif, kemampuan untuk and continue to innovate is the key to achieving it. Therefore,
beradaptasi dan terus berinovasi menjadi kunci untuk every step taken in the Bank's people management aims to
mencapainya. Oleh karena itu, setiap langkah yang diambil create a cohesive and high-performing team, capable of
dalam pengelolaan SDM Bank bertujuan untuk menciptakan making significant contributions in realizing the Bank's goals.
tim yang kohesif dan berkinerja tinggi, yang mampu memberikan By combining strategic vision and continuous employee
kontribusi signifikan dalam mewujudkan tujuan Bank. Dengan development, Bank Maspion is able to maintain its competitive
memadukan visi strategis dan pengembangan karyawan yang position in the ever-evolving banking industry.
berkelanjutan, Bank Maspion dapat mempertahankan posisi
kompetitifnya di industri perbankan yang terus berkembang.
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REKRUTMEN RECRUITMENT
Rekrutmen di Bank Maspion dirancang untuk menarik talenta Recruitment at Bank Maspion is designed to attract the best
terbaik yang dapat berkontribusi pada pencapaian tujuan jangka talent that can contribute to the achievement of the Bank’s
panjang Bank, serta mendukung nilai-nilai inti yang diusung long-term goals, as well as support the Bank’s core values.
oleh Bank. Dalam proses seleksi, Bank memprioritaskan prinsip In the selection process, the Bank prioritizes the principles of
keadilan, transparansi, kesetaraan, dan kepatuhan terhadap fairness, transparency, equality and compliance with applicable
regulasi yang berlaku, memastikan bahwa setiap kandidat yang regulations, ensuring that each candidate selected has the
dipilih memiliki keterampilan, kualifikasi, dan pengalaman yang skills, qualifications and experience that match the needs of
sesuai dengan kebutuhan posisi yang tersedia. Selain itu, Bank the available positions. In addition, the Bank is also committed
juga berkomitmen untuk mengedepankan keragaman dalam to promoting diversity at every stage of recruitment, in order
setiap tahap perekrutan, guna menciptakan tim yang inklusif to create an inclusive team that reflects diverse perspectives
dan mencerminkan beragam perspektif yang dapat mendukung that can support diversity in ideas and solutions.
keberagaman dalam ide dan solusi.
Pendekatan ini bertujuan untuk memperkuat budaya inovasi This approach aims to strengthen the culture of innovation
di Bank Maspion, di mana keragaman latar belakang dan at Bank Maspion, where diversity of backgrounds and thinking
pemikiran dapat mendorong kreativitas dan peningkatan kualitas can drive creativity and improved quality of service to customers.
layanan kepada nasabah. Dengan menghadirkan berbagai By bringing a variety of perspectives, the Bank is not only
perspektif, Bank tidak hanya mampu memberikan pengalaman able to provide a better experience to customers, but also
yang lebih baik kepada pelanggan, tetapi juga menciptakan create a work environment that encourages employees to
lingkungan kerja yang menyemangati karyawan untuk terus continue to grow. Through this inclusive and selective
berkembang. Melalui proses rekrutmen yang inklusif dan selektif recruitment process, Bank Maspion hopes to build a team
ini, Bank Maspion berharap dapat membangun tim yang tidak that not only has the best skills, but is also committed to the
hanya memiliki keterampilan terbaik, tetapi juga berkomitmen Bank’s broader vision and mission.
pada visi dan misi Bank yang lebih luas.
Proses rekrutmen secara umum dilakukan melalui dua cara: The recruitment process in general is taken through two ways:
1. Internal Sourcing 1. Internal Sourcing
Internal sourcing melibatkan proses identifikasi dan The internal sourcing involves identifying and promoting
promosi talenta dari dalam Bank. Pendekatan ini talent from within the Bank. This approach allows
memungkinkan karyawan yang ada saat ini untuk current employees to pursue new opportunities and
mendapatkan kesempatan baru dan pengembangan career growth within the Bank, encouraging loyalty
karir di dalam Bank, sehingga dapat meningkatkan and motivation. Additionally, internal sourcing leverages
loyalitas dan motivasi. Selain itu, internal sourcing juga the existing knowledge and understanding of the
memanfaatkan pengetahuan dan pemahaman yang Bank’s operations, culture, and values, ensuring a
telah dimiliki oleh karyawan yang ada mengenai seamless integration of promoted employees into new
operasional, budaya dan nilai-nilai Bank, untuk roles.
memastikan kelancaran proses integrasi karyawan
yang dipromosikan ke dalam posisi yang baru.
2. External Sourcing 2. External Sourcing
External sourcing melibatkan proses perekrutan External sourcing involves attracting talents from
karyawan dari luar Bank. Proses ini termasuk outside the Bank. This may include advertising open
mengiklankan lowongan pekerjaan melalui berbagai positions through various medias such as the Bank’s
media seperti situs web Bank, LinkedIn, Job Fair, dan website, LinkedIn, Job Fair, and referral or networking
referensi atau jaringan dari karyawan internal. External from the internal employees. External sourcing allows
sourcing memungkinkan Bank untuk memanfaatkan the Bank to tap into a broader talent pool, bringing in
talent pool yang lebih luas, membawa perspektif dan fresh perspectives and expertise to drive innovation
keahlian baru untuk mendorong inovasi dan and growth.
pertumbuhan.
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Tinjauan Pendukung Bisnis
Business Supporting Review
Baik internal maupun external sourcing merupakan komponen Both internal and external sourcing are essential components
penting dalam strategi rekrutmen Bank Maspion, yang bertujuan of Bank Maspion’s recruitment strategy, aiming to maintain
untuk menjaga keseimbangan antara mempromosikan talenta a balance between promoting internal talent and infusing the
internal dan menanamkan kapabilitas eksternal pada Bank. Bank with external capabilities. The recruitment process is
Proses rekrutmen dirancang dengan cermat untuk meticulously designed to identify individuals who not only
mengidentifikasi individu yang tidak hanya selaras dengan align with the Bank’s values but also bring unique skills and
nilai-nilai Bank, namun juga memiliki keahlian dan perspektif perspectives to further the Bank’s mission and vision. It is a
yang unik untuk memajukan misi dan visi Bank. Hal ini testament to Bank Maspion’s commitment to building a
merupakan wujud komitmen Bank Maspion dalam membangun dynamic and inclusive workforce that drives sustainable
SDM yang dinamis dan inklusif untuk mendorong kesuksesan success.
yang berkelanjutan.
PROFIL SDM [OJK C.3][GRI 2-7, 405-1] HR PROFILE [OJK C.3][GRI 2-7, 405-1]
Jumlah karyawan Bank per akhir Desember 2023 dan Desember The number of employees of the Bank as of the end of
2024 tercatat masing-masing sebanyak 826 orang dan 946 December 2023 and December 2024 were 826 and 946
orang. people, respectively.
Komposisi Karyawan Berdasarkan Jenjang Pendidikan
Employees Composition by Educational Level
Tanggal Magister Sarjana Akademi SMU Lainnya Jumlah
Date Master Degree Bachelor Degree Diploma High School Others Total
31 Desember 2023 50 615 53 97 11 826
December 31, 2023
31 Desember 2024 73 752 47 68 6 946
December 31, 2024
6 11
68 96
73 53
50
47
2024 2023
752 615
Sarjana Magister Akademi SMU Lain-lain
Bachelor Degree Master Degree Diploma High School Others
PT Bank Maspion Indonesia Tbk
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Komposisi Karyawan Berdasarkan Usia (Tahun)
Employees Composition By Age Group (Years)
Tanggal Jumlah
< 30 30 – 39 40 - 49 ≥ 50
Date Total
31 Desember 2023 185 285 193 163 826
December 31, 2023
31 Desember 2024 243 360 218 125 946
December 31, 2024
125 163
218 193
2024 2023
243 185
360 285
< 30 30 - 39 40 - 49 ≥ 50
Komposisi Karyawan Berdasarkan Jenis Kelamin
Employees Composition by Gender
Tanggal Laki-Laki Perempuan Jumlah
Date Male Female Total
31 Desember 2023 450 376 826
December 31, 2023
31 Desember 2024 504 442 946
December 31, 2024
Komposisi Karyawan Berdasarkan Status Kepegawaian [GRI 2-8]
Employees Composition by Employment Status [GRI 2-8]
Tanggal Tetap Tidak Tetap Jumlah
Date Permanent Temporary Total
31 Desember 2023 795 31 826
December 31, 2023
31 Desember 2024 915 31 946
December 31, 2024
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[S-04]
Uraian
2024
Description
Jumlah Pegawai Tidak Tetap/Kontrak/yang Dipegang oleh 31 orang/employees 3,27 % [dari total pegawai]
Kontraktor dan/atau Konsultan
Number of Non-permanent Employees/Contracts/ Held by
Contractors and/or Consultants
Komposisi Karyawan Berdasarkan Jenjang Jabatan
Employees Composition by Position Level
Tanggal Direksi Kepala Divisi Jumlah
Staff & Section Head
Date Board of Directors Division Head Total
31 Desember 2023 5 23 798 826
December 31, 2023
31 Desember 2024 5 57 879 946
December 31, 2024
PENGEMBANGAN KOMPETENSI EMPLOYEE COMPETENCY
KARYAWAN DEVELOPMENT
Pengembangan Kompetensi Karyawan Employee Competency Development
Pengembangan kompetensi menjadi salah satu prioritas utama Competency development is one of the main priorities in the
dalam pengelolaan Sumber Daya Manusia (SDM) di Bank management of Human Resources (HR) at Bank Maspion,
Maspion, terutama dalam menghadapi tantangan yang semakin especially in facing the increasingly complex challenges in
kompleks di industri perbankan. Bank menyadari bahwa untuk the banking industry. The Bank realizes that to remain
tetap kompetitif, karyawan harus terus dibekali dengan competitive, employees must be continuously equipped with
pengetahuan dan keterampilan yang relevan, serta kemampuan relevant knowledge and skills, as well as the ability to adapt
untuk beradaptasi dengan perubahan cepat dalam teknologi to rapid changes in technology and market needs. Therefore,
dan kebutuhan pasar. Oleh karena itu, Bank Maspion Bank Maspion provides various training and development
menyediakan berbagai program pelatihan dan pengembangan programs designed to improve employee competencies, both
yang dirancang untuk meningkatkan kompetensi karyawan, in the technical aspects of banking and in terms of soft skills,
baik dalam aspek teknis perbankan maupun dalam hal soft such as leadership, communication, and risk management.
skills, seperti kepemimpinan, komunikasi, dan manajemen
risiko.
Dengan terus meningkatkan kompetensi karyawan, Bank By continuously improving employee competencies, Bank
Maspion tidak hanya memperkuat daya saingnya di pasar, Maspion not only strengthens its competitiveness in the
tetapi juga menciptakan lingkungan kerja yang lebih inovatif market, but also creates a more innovative and productive
dan produktif. Pengembangan ini memungkinkan karyawan work environment. This development enables employees to
untuk lebih siap menghadapi berbagai perubahan dalam be better prepared for changes in the industry, as well as
industri, serta memberikan kontribusi yang lebih besar bagi make a greater contribution to the Bank’s long-term success.
keberhasilan jangka panjang Bank. Selain itu, investasi dalam In addition, this investment in HR development also supports
pengembangan SDM ini juga mendukung tujuan Bank dalam the Bank’s goal of creating a dynamic work culture, where
menciptakan budaya kerja yang dinamis, di mana setiap each individual can continue to grow and develop along with
individu dapat terus tumbuh dan berkembang seiring dengan the company’s progress. Through a sustainable competency
kemajuan perusahaan. Melalui strategi pengembangan development strategy, Bank Maspion is committed to producing
kompetensi yang berkelanjutan, Bank Maspion berkomitmen the best talents who are ready to face the challenging future
untuk mencetak talenta terbaik yang siap menghadapi masa of banking.
depan perbankan yang penuh tantangan.
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Sepanjang tahun 2024, Bank telah melakukan pengembangan Throughout 2024, the Bank has conducted HR development
SDM dengan mengadakan 366 topik seminar dan pelatihan by organizing 366 seminar and training topics as a whole in
secara keseluruhan dalam 355,68 jam sesi training, yang 355.68 hours of training sessions, which were conducted
dilakukan baik secara luring maupun secara daring (online both offline and online (online learning). Seminars and trainings
learning). Seminar dan pelatihan diberikan baik dari pihak were provided from both internal and external parties.
internal maupun eksternal.
Pelatihan yang diberikan antara lain mencakup: The training provided includes:
1. Soft skill dan technical competency 1. Soft skills and technical competencies
2. Leadership 2. Leadership
3. Sertifikasi untuk karyawan yang menempati bagian atau 3. Certification for employees who occupy certain sections
posisi tertentu. or positions.
Pelatihan diberikan baik kepada manajemen (Direksi dan Training was provided to the management (Board of Directors
Dewan Komisaris), Pejabat Eksekutif, maupun kepada karyawan- and Board of Commissioners), Executive Officers, and
karyawan Bank. Selain pelatihan, Bank juga menghadiri employees of the Bank. In addition to training, the Bank also
kegiatan sosialisasi yang diselenggarakan oleh OJK antara attended socialization activities organized by OJK, among
lain: others:
1. Kebijakan dan Regulasi Sektor Jasa Keuangan 1. Financial Services Sector Policies and Regulations
• Sosialisasi Peran UU P2SK dalam Memberikan Efek • Socialization of the Role of the P2SK Law in Providing
Jera bagi Pelaku Jasa Keuangan Ilegal Deterrent Effects for Illegal Financial Service Providers
• Sosialisasi POJK No.26/2023 dan regulasi terkait pasar • Socialization of POJK No.26/2023 and related capital
modal market regulations
• Sosialisasi POJK No.22/2023 tentang Perlindungan • Socialization of POJK No.22/2023 concerning Consumer
Konsumen Protection
• Sosialisasi Implementasi PDP (Perlindungan Data • Socialization of PDP (Personal Data Protection)
Pribadi) di Perbankan Implementation in Banking
2. Keuangan Berkelanjutan (Sustainable Finance) 2. Sustainable Finance
• Sosialisasi Taksonomi Keuangan Berkelanjutan Indonesia • Socialization of Indonesian Sustainable Finance
Taxonomy
• Webinar: Peran Taksonomi dalam Mendorong Transisi • Webinar: The Role of Taxonomy in Driving Energy
Energi Transition
• Coaching Clinic Implementasi Taksonomi untuk • Coaching Clinic Implementation of Taxonomy for
Keuangan Berkelanjutan Sustainable Finance
• Webinar: How to Prevent Greenwashing in Sustainable • Webinar: How to Prevent Greenwashing in Sustainable
Finance Finance
3. Manajemen Risiko dan Tata Kelola Perbankan 3. Risk Management and Banking Governance
• Focus Group Discussion tentang Market Conduct Index • Focus Group Discussion on the Banking Sector Market
Sektor Perbankan Conduct Index
• Webinar Strategi Implementasi Market Conduct • Market Conduct Implementation Strategy Webinar
• Capacity Development Perhitungan Emisi Gas Rumah • Capacity Development Scope 1 and 2 Greenhouse
Kaca Lingkup 1 dan 2 Gas Emissions Calculations
• Webinar Understanding the Climate Landscape for • Understanding the Climate Landscape for Financial
Financial Institutions Institutions Webinar
4. Anti Pencucian Uang dan Pencegahan Pendanaan Terorisme 4. Anti-Money Laundering and Prevention of Terrorism
(APU PPT) Financing (AML PPT)
• Program Mentoring TPPU dan TPPT • ML and TPPT Mentoring Programme
• Sosialisasi Fungsi PIC APU PPT di Kantor Cabang • ML/TF PIC Function Socialization at Branch Offices
• Refreshment APU PPT: Green Financial Crime • AML PPT Refreshment: Green Financial Crime
• Webinar: How to Prevent Money Laundering and • Webinar: How to Prevent Money Laundering and
Terrorism Financing Terrorism Financing
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5. Keamanan Siber dan Teknologi Keuangan 5. Cybersecurity and Financial Technology
• Webinar: Strategi Mencegah Serangan Siber • Webinar: Strategies to Prevent Cyber Attacks
• Sosialisasi Perlindungan Data Pribadi dalam Era Digital • Socialization of Personal Data Protection in the Digital Era
• Cyber Security Awareness Intensive • Cyber Security Awareness Intensive
• Sosialisasi Enhancing Fraud Detection Systems in • Socialization of Enhancing Fraud Detection Systems
Payment System in Payment Systems
6. Stabilitas Sistem Keuangan dan Makroprudensial 6. Financial System Stability and Macroprudential
• Focus Group Discussion Stabilitas Sistem Keuangan • Focus Group Discussion Financial System Stability
• Permintaan Tanggapan RPOJK LCR dan NSFR • Request for Response to OJK Regulation on LCR and
NSFR
• Webinar Peluang Pertumbuhan Kredit Pasca • Webinar on Post-Restructuring Credit Growth
Restrukturisasi Opportunities
7. Inovasi dan Transformasi Digital di Sektor Keuangan 7. Digital Innovation and Transformation in the Financial Sector
• Webinar Artificial Intelligence Changes the Face of • Webinar on Artificial Intelligence Changing the Face
the Financial Sector of the Financial Sector
• FGD Penerapan AI dalam Resiliensi Digital Perbankan • FGD on the Application of AI in Banking Digital Resilience
• Sosialisasi Transformasi Digital di Sektor Perbankan • Dissemination of Digital Transformation in the Banking
Sector
Berikut merupakan beberapa kegiatan pelatihan, sosialisasi, The following training, socialization, and seminar activities
dan seminar yang dilaksanakan di sepanjang tahun 2024: were conducted throughout 2024:
1. Pelatihan dan Sosialisasi Regulasi dan Kepatuhan 1. Training and Socialization of Regulations and Compliance
• Training Anti Pencucian Uang dan Pencegahan • Anti-Money Laundering and Prevention of Terrorism
Pendanaan Terorisme Financing Training
• Sosialisasi POJK dan peraturan terkait keuangan • Socialization of POJK and financial-related regulations
• Sosialisasi Data Protection dan Perlindungan Konsumen • Socialization of Data Protection and Consumer
Protection
• Refreshment tentang Market Conduct dan Kepatuhan • Refreshment on Market Conduct and Compliance
• Workshop terkait tata kelola risiko dan audit • Risk management and audit-related workshops
2. Keuangan dan Perbankan 2. Finance and Banking
• Training Credit Analysis dan Credit Risk Management • Credit Analysis and Credit Risk Management Training
• Refreshment Treasury Dealer dan Trade Finance • Treasury Dealer and Trade Finance Refreshment
• Workshop Banking Product Expertise (regional Southeast • Banking Product Expertise Workshop (Southeast Asia
Asia) region)
• Seminar dan Webinar terkait investasi, treasury, dan • Seminars and webinars related to investment, treasury,
trade sales and trade sales
• Pelatihan produk keuangan seperti saving account, • Training on financial products such as savings accounts,
current account, dan loan current accounts, and loans
3. Keberlanjutan dan ESG (Environmental, Social, Governance) 3. Sustainability and ESG (Environmental, Social, Governance)
• Training ESG Communication • ESG Communication Training
• Workshop Sustainability Strategies dan Sustainable • Sustainability Strategies and Sustainable Finance
Finance Framework Framework Workshop
• Webinar terkait mitigasi risiko transisi dan fisik dalam • Webinars related to transition and physical risk mitigation
keuangan berkelanjutan in sustainable finance
• Sosialisasi taksonomi keuangan berkelanjutan • Dissemination of sustainable finance taxonomy
4. Teknologi dan Keamanan Siber 4. Technology and Cybersecurity
• Webinar terkait mitigasi serangan siber dan keamanan • Webinars related to cyber attack mitigation and data
data security
• Sosialisasi penggunaan sistem HRIS dan teknologi • Dissemination of HRIS system use and financial
finansial technology
• Cyber Security Awareness dan Phishing Awareness • Cyber Security Awareness and Phishing Awareness
Training Training
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• Sosialisasi Personal Data Protection Law dan Data • Dissemination of Personal Data Protection Law and
Subject Rights Management Data Subject Rights Management
5. Keterampilan Soft Skills dan Pengembangan Profesional 5. Soft Skills and Professional Development
• Training Self-Branding dan Brand Communication • Self-Branding and Brand Communication Training
• Pelatihan kepemimpinan dan mindset bisnis • Leadership training and business mindset
• Public speaking dan impactful presentation skills • Public speaking and impactful presentation skills
• English Development Program • English Development Program
• Upselling dan cross-selling untuk frontliners • Upselling and cross-selling for frontliners
6. Manajemen Risiko dan Fraud Awareness 6. Risk Management and Fraud Awareness
• Training Fraud Awareness dan Basic Risk Control • Fraud Awareness and Basic Risk Control Training
• Workshop Risk Control Self-Assessment • Risk Control Self-Assessment Workshop
• Ujian dan sertifikasi Manajemen Risiko berbagai jenjang • Risk Management exams and certifications at various
levels
• Sosialisasi tentang penanganan transaksi mencurigakan • Socialization on handling suspicious transactions
7. Operasional dan Transformasi Bisnis 7. Operations and Business Transformation
• Workshop strategi transformasi cabang dan operasional • Bank branch transformation strategy and operations
bank workshop
• Pelatihan terkait Business Continuity Management • Training related to Business Continuity Management
• Sosialisasi perubahan kebijakan internal dan • Dissemination of internal policy changes and operational
standardisasi operasional standardization
8. Team Building dan Pengembangan Organisasi 8. Team Building and Organizational Development
• Kegiatan team building untuk berbagai divisi dan • Team building activities for various divisions and
cabang branches
• Coaching clinic dan mentoring berbasis risiko • Risk-based coaching clinics and mentoring
• Leadership enhancement untuk banking business • Leadership enhancement for banking business
alignment alignment
Kategori ini mencerminkan fokus perusahaan dalam This category reflects the company's focus on improving
meningkatkan kompetensi karyawan di berbagai bidang employee competencies in various strategic fields, from
strategis, dari kepatuhan regulasi, manajemen risiko, hingga regulatory compliance and risk management to innovation
inovasi dan keberlanjutan dalam industri keuangan. and sustainability in the financial industry.
Teknologi Informasi
Information Technology
Teknologi Informasi (TI) memainkan peranan yang sangat Information Technology (IT) plays a pivotal role in the
penting dalam transformasi industri perbankan, membantu transformation of the banking industry, helping Bank Maspion
Bank Maspion untuk tetap kompetitif di era digital. Adopsi to remain competitive in the digital age. The adoption of
teknologi modern telah membawa perubahan besar dalam modern technology has brought about major changes in the
operasional Bank, memungkinkan perbaikan signifikan dalam Bank's operations, enabling significant improvements in
efisiensi internal dan peningkatan pengalaman nasabah. Bank internal efficiency and enhanced customer experience. Bank
Maspion terus mengintegrasikan berbagai sistem informasi Maspion continues to integrate various banking information
perbankan dan aplikasi perbankan digital untuk memastikan systems and digital banking applications to ensure that the
bahwa layanan yang diberikan kepada nasabah lebih cepat, services provided to customers are faster, more secure and
lebih aman, dan mudah diakses. Dengan memanfaatkan easily accessible. By utilizing advanced communication
jaringan komunikasi canggih, Bank mampu menyediakan networks, the Bank is able to provide more responsive services,
layanan yang lebih responsif, mengurangi waktu tunggu, dan reduce waiting times, and provide maximum convenience for
memberikan kenyamanan maksimal bagi nasabah, baik untuk customers, both for day-to-day transactions and for other
transaksi sehari-hari maupun untuk produk dan layanan banking products and services.
perbankan lainnya.
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Namun, dengan kemajuan pesat dalam adopsi teknologi, However, with the rapid advancement in technology adoption
muncul tantangan baru terkait dengan keamanan informasi. comes new challenges related to information security. The
Ancaman siber yang semakin kompleks mengharuskan Bank increasingly complex cyber threats require the Bank to
untuk mengimplementasikan sistem keamanan yang sangat implement a very strict security system. Protecting customers'
ketat. Melindungi data pribadi dan finansial nasabah dari personal and financial data from potential attacks and leaks
potensi serangan dan kebocoran menjadi prioritas utama. is a top priority. Bank Maspion realizes that success in adopting
Bank Maspion menyadari bahwa keberhasilan dalam new technologies depends not only on innovation, but also
mengadopsi teknologi baru tidak hanya bergantung pada on the ability to maintain system integrity and secure sensitive
inovasi, tetapi juga pada kemampuan untuk menjaga integritas data. Therefore, Bank Maspion implements a proactive IT
sistem dan mengamankan data sensitif. Oleh karena itu, Bank security strategy, including advanced encryption systems,
Maspion menerapkan strategi keamanan TI yang proaktif, real-time risk monitoring and strict data protection policies,
termasuk sistem enkripsi canggih, pemantauan risiko secara to ensure maximum protection of all transactions and customer
real-time, dan kebijakan perlindungan data yang ketat, guna information.
memastikan perlindungan maksimal terhadap semua transaksi
dan informasi nasabah.
Sebagai bagian dari komitmennya untuk terus berinovasi, As part of its commitment to continuous innovation, Bank
Bank Maspion berupaya memaksimalkan potensi TI dalam Maspion seeks to maximize the potential of IT in providing
memberikan nilai tambah kepada seluruh pemangku added value to all stakeholders. With the vision of becoming
kepentingan. Dengan visi menjadi lembaga keuangan yang a financial institution that not only grows with customers, but
tidak hanya bertumbuh bersama nasabah, tetapi juga also provides superior technology-based solutions, the Bank
memberikan solusi berbasis teknologi yang unggul, Bank continues to invest in the development of optimal IT systems.
terus berinvestasi dalam pengembangan sistem TI yang This effort not only aims to improve the smoothness and
optimal. Upaya ini tidak hanya bertujuan untuk meningkatkan security of the Bank's operations, but also to ensure that
kelancaran dan keamanan operasional Bank, tetapi juga untuk customers have the best experience in every interaction with
memastikan bahwa nasabah mendapatkan pengalaman terbaik the Bank. With smart and sustainable IT implementation, Bank
dalam setiap interaksi dengan Bank. Dengan penerapan TI Maspion is ready to face the challenges of banking digitalization
yang cerdas dan berkelanjutan, Bank Maspion siap menghadapi and take advantage of the opportunities that exist to continue
tantangan digitalisasi perbankan dan memanfaatkan peluang to grow.
yang ada untuk terus berkembang.
PENCAPAIAN DAN KINERJA TI IT ACHIEVEMENT AND
TAHUN 2024 PERFORMANCE IN 2024
Selama tahun 2024, Teknologi Informasi (TI) Bank telah During 2024, the Bank's Information Technology (IT) has
mengalami berbagai kemajuan strategis guna mendukung made various strategic advances to support the achievement
pencapaian visi dan misi serta meningkatkan daya saing dalam of its vision and mission and to increase competitiveness in
industri perbankan. Berbagai inisiatif yang telah the banking industry. The various initiatives that have been
diimplementasikan bertujuan untuk memperkuat kapabilitas implemented aim to strengthen digital capabilities, improve
digital, meningkatkan efisiensi operasional, serta memastikan operational efficiency, and ensure compliance with applicable
kepatuhan terhadap regulasi yang berlaku. regulations.
Berikut adalah pencapaian utama TI Bank sepanjang tahun The following are the Bank's main IT achievements throughout
2024: 2024:
1. Penguatan Infrastruktur Digital dan Pengembangan 1. Strengthening Digital Infrastructure and Developing
Sistem Inti Perbankan Core Banking Systems
Bank terus mengembangkan sistem dan aplikasi guna The Bank continues to develop systems and applications
memperkuat infrastruktur digital yang menjadi fondasi to strengthen the digital infrastructure that forms the
operasional. Salah satu pencapaian utama adalah operational foundation. One of the main achievements is
implementasi Reporting Service, yang meningkatkan the implementation of the Reporting Service, which improves
efisiensi dan akurasi dalam penyajian laporan operasional, the efficiency and accuracy of operational reporting,
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mendukung pengambilan keputusan berbasis data, serta supports data-driven decision making, and accelerates
mempercepat proses pelaporan internal dan eksternal. internal and external reporting processes.
2. Transformasi Digital untuk Mendukung Bisnis Korporasi 2. Digital Transformation to Support Corporate and
dan Komersial Commercial Businesses
Sejalan dengan strategi pertumbuhan di segmen korporasi In line with the growth strategy in the corporate and
dan komersial, berbagai pengembangan teknologi telah commercial segments, various technological developments
dilakukan untuk meningkatkan layanan perbankan yang have been made to improve banking services that are
lebih inovatif dan efisien. Inisiatif strategis yang telah more innovative and efficient. Strategic initiatives that
diimplementasikan antara lain: have been implemented include:
• Peningkatan fitur dan fungsionalitas Core Banking • Improved Core Banking features and functionality for
untuk produk pinjaman, yang memungkinkan fleksibilitas loan products, which allows for greater flexibility in
lebih tinggi dalam proses kredit serta mempercepat the credit process and speeds up loan approval.
persetujuan pinjaman.
• Integrasi BI FAST dengan Maspion Virtual Account • Integration of BI FAST with Maspion Virtual Account
(MAVA), yang memungkinkan proses transfer dana (MAVA), which enables faster and more efficient fund
lebih cepat dan efisien dengan biaya transaksi yang transfer processes with more competitive transaction
lebih kompetitif. costs.
• Pengembangan fitur baru dalam Internet Banking • Development of new features in Business Internet
Bisnis, termasuk digitalisasi proses pengajuan Outward Banking, including the digitization of the Outward
Remittance dan Letter of Credit (LC)/Surat Kredit Remittance and Letter of Credit (LC)/Domestic
Berdokumen Dalam Negeri (SKBDN), sehingga Documentary Credit (SKBDN) application processes,
meningkatkan kemudahan transaksi keuangan bagi thus increasing the ease of financial transactions for
nasabah korporasi. corporate customers.
3. Inovasi Digital untuk Segmen Retail dan UMKM 3. Digital Innovation for the Retail and MSME Segments
Dalam upaya meningkatkan pengalaman nasabah di In an effort to improve the customer experience in the
segmen retail dan UMKM, Bank terus melakukan retail and MSME segments, the Bank continues to develop
pengembangan teknologi berbasis digital. Beberapa digital-based technology. Some of the main initiatives
inisiatif utama meliputi: include:
• Penguatan fitur dan fungsionalitas pada New Mobile • Strengthening features and functionality in New Mobile
Banking, yang memberikan pengalaman transaksi Banking, which provides an easier, faster, and more
yang lebih mudah, cepat, dan aman bagi nasabah ritel. secure transaction experience for retail customers.
• Implementasi fitur Same Day Settlement bagi merchant • Implementation of the Same Day Settlement feature
QRIS, memungkinkan pencairan dana secara lebih for QRIS merchants, enabling faster disbursement of
cepat untuk meningkatkan likuiditas mitra bisnis. funds to increase business partners' liquidity.
• Pengembangan SNAP QRIS MPM (Acquirer) bagi • Development of SNAP QRIS MPM (Acquirer) for Business
Partner Bisnis (Merchant Aggregator), yang memperluas Partners (Merchant Aggregators), which expands the
ekosistem pembayaran digital dan mendukung digital payment ecosystem and supports transaction
pertumbuhan transaksi di sektor retail dan UMKM. growth in the retail and MSME sectors.
4. Penguatan Sistem TI untuk Kepatuhan Regulasi 4. Strengthening the IT System for Regulatory Compliance
Bank secara proaktif melakukan pengembangan sistem The Bank proactively develops systems to ensure
guna memastikan kepatuhan terhadap peraturan yang compliance with evolving regulations. One of the strategic
terus berkembang. Salah satu langkah strategis yang steps taken is to remap data in the Apolo Reporting system,
dilakukan adalah pemetaan ulang data dalam sistem Apolo which is tailored to the latest policies and regulations from
Reporting, yang disesuaikan dengan kebijakan dan regulasi the banking authority, to ensure accurate and timely
terbaru dari otoritas perbankan, guna memastikan pelaporan reporting.
yang akurat dan tepat waktu.
5. Peningkatan Efisiensi Operasional dan Manajemen Risiko 5. Improving Operational Efficiency and Risk Management
Untuk memperkuat strategi mitigasi risiko dan meningkatkan To strengthen the risk mitigation strategy and improve
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efisiensi operasional, Bank mengembangkan dan operational efficiency, the Bank developed and implemented
menerapkan Credit Risk Rating (CRR) sebagai sistem Credit Risk Rating (CRR) as a more accurate and structured
penilaian risiko kredit yang lebih akurat dan terstruktur. credit risk assessment system. This implementation aims
Implementasi ini bertujuan untuk meningkatkan kualitas to improve the quality of credit risk management and
manajemen risiko kredit serta mendukung pengambilan support more comprehensive risk analysis-based decision
keputusan berbasis analisis risiko yang lebih komprehensif. making.
Melalui berbagai inisiatif strategis ini, TI Bank tidak hanya Through these various strategic initiatives, the Bank's IT not
berperan sebagai enabler dalam mendukung operasional dan only plays an enabling role in supporting operations and
pertumbuhan bisnis, tetapi juga sebagai pilar utama dalam business growth, but also as a main pillar in accelerating
akselerasi transformasi digital yang berkelanjutan. Ke depan, sustainable digital transformation. Going forward, the Bank
Bank akan terus memperkuat kapabilitas teknologi guna will continue to strengthen its technological capabilities in
menciptakan layanan keuangan yang lebih inovatif, efisien, order to create financial services that are more innovative,
dan sesuai dengan kebutuhan nasabah serta dinamika industri efficient, and in line with the needs of customers and the
perbankan yang terus berkembang. dynamics of the ever-evolving banking industry.
ORGANISASI TEKNOLOGI INFORMATION TECHNOLOGY
INFORMASI ORGANIZATION
Pada tahun 2024, organisasi Teknologi Informasi (TI) Bank By 2024, the Bank's Information Technology (IT) organization
telah mengalami transformasi struktural yang signifikan guna has undergone significant structural transformation to improve
meningkatkan efisiensi operasional, mempercepat inisiatif operational efficiency, accelerate digital transformation
transformasi digital, serta memperkuat ketahanan teknologi initiatives, and strengthen technological resilience in the face
dalam menghadapi dinamika industri perbankan. Perubahan of banking industry dynamics. These changes include
ini mencakup penyesuaian struktur kepemimpinan, redistribusi adjustments to the leadership structure, redistribution of
tanggung jawab, serta penguatan kapabilitas di bidang-bidang responsibilities, and strengthening of capabilities in strategic
strategis untuk memastikan kelangsungan dan efektivitas areas to ensure the continuity and effectiveness of technology
implementasi teknologi. implementation.
Berikut adalah beberapa langkah strategis yang telah dilakukan Here are some strategic steps that have been taken in the
dalam pengembangan organisasi TI: development of the IT organization:
1. Pembentukan dan Penguatan Divisi serta Departemen 1. Establishment and Strengthening of Strategic Divisions
Strategis and Departments
Sebagai bagian dari strategi peningkatan kapabilitas As part of the strategy to improve technological capabilities
teknologi dan inovasi, Bank telah mengembangkan struktur and innovation, the Bank has developed an IT organizational
organisasi TI dengan membentuk beberapa divisi dan structure by forming several key divisions and departments
departemen kunci guna mendukung implementasi teknologi to support more targeted and sustainable technology
secara lebih terarah dan berkelanjutan: implementation:
• Divisi Digital Transformation & Innovation • Digital Transformation & Innovation Division
Divisi ini bertanggung jawab dalam akselerasi This division is responsible for accelerating the
pengembangan layanan perbankan digital, dengan development of digital banking services, with a primary
fokus utama pada Digital Banking/Mobile Channel, focus on Digital Banking/Mobile Channel, API Integration,
API Integration, serta Process Automation. Tujuan and Process Automation. The main objective is to
utamanya adalah menciptakan pengalaman perbankan create a more seamless banking experience, improve
yang lebih seamless, meningkatkan efisiensi operasional, operational efficiency, and expand the Bank's digital
serta memperluas ekosistem digital Bank. ecosystem.
• Divisi Data Analytics & IT Management • Data Analytics & IT Management Division
Divisi ini difokuskan pada optimalisasi pengelolaan This division is focused on optimizing data management
data dan sistem TI untuk mendukung pengambilan and IT systems to support data-driven decision-making.
keputusan yang berbasis data (data-driven decision- The structure of this division consists of:
making). Struktur divisi ini terdiri dari:
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• Departemen Data Analytics, yang bertanggung jawab • Data Analytics Department, which is responsible for
dalam pengelolaan Enterprise Data, termasuk managing Enterprise Data, including developing Data
pengembangan kapabilitas Data Engineering, Data Engineering, Data Design, and Data Analytics
Design, dan Data Analytics untuk meningkatkan capabilities to increase business insights and support
wawasan bisnis serta mendukung strategi pertumbuhan the Bank's growth strategy.
Bank.
• Departemen IT Management, yang berfokus pada • IT Management Department, which focuses on strategic
manajemen proyek strategis dan peningkatan tata project management and improving IT governance,
kelola TI, mencakup fungsi Project Portfolio Management, including Project Portfolio Management, Project
Project Management, Business Analysis, Quality Management, Business Analysis, Quality Assurance,
Assurance, serta Test Automation. and Test Automation functions.
• Departemen IT Operation • IT Operation Department
- Departemen ini diperkuat untuk memastikan - This department is strengthened to ensure the
keandalan dan stabilitas operasional sistem TI, reliability and operational stability of the IT system,
dengan fungsi utama meliputi: with the main functions including:
- Helpdesk & IT Support, yang bertugas menangani - Helpdesk & IT Support, which is in charge of handling
permintaan dukungan teknis guna memastikan technical support requests to ensure smooth daily
kelancaran operasional harian. operations.
- Monitoring & Incident Management, yang mengawasi - Monitoring & Incident Management, which oversees
performa sistem secara real-time untuk system performance in real-time to identify and
mengidentifikasi dan menyelesaikan potensi resolve potential disruptions faster.
gangguan lebih cepat.
- IT Service Management, yang memastikan kepatuhan - IT Service Management, which ensures compliance
terhadap standar layanan TI dan perbaikan with IT service standards and continuous
berkelanjutan guna meningkatkan kualitas improvement to improve operational quality.
operasional.
2. Penguatan Sumber Daya Manusia di Posisi Strategis 2. Strengthening Human Resources in Strategic Positions
Seiring dengan restrukturisasi organisasi, Bank juga Along with organizational restructuring, the Bank is also
menambah tenaga kerja di berbagai posisi strategis guna adding manpower in various strategic positions to
memperkuat kapabilitas di bidang teknologi dan transformasi strengthen capabilities in the fields of technology and
digital. Beberapa posisi kunci yang telah dibentuk dan digital transformation. Some key positions that have been
diisi oleh talenta internal maupun eksternal mencakup: formed and filled by internal and external talent include:
• Head of Digital Transformation & Innovation, yang • Head of Digital Transformation & Innovation, who
memimpin pengembangan ekosistem digital dan inovasi leads the development of a digital ecosystem and
perbankan berbasis teknologi. technology-based banking innovation.
• Head of Data Analytics & IT Management, yang • Head of Data Analytics & IT Management, who is
bertanggung jawab dalam pengelolaan data dan responsible for data management and optimization
optimalisasi strategi TI untuk mendukung pengambilan of IT strategies to support data-based decision making.
keputusan berbasis data.
• Data Analytics Head, yang fokus pada pengelolaan • Data Analytics Head, who focuses on data management
dan analisis data untuk mendukung pengembangan and analysis to support the development of data
produk dan layanan berbasis data intelligence. intelligence-based products and services.
• IT Management Head, yang bertugas dalam pengelolaan • IT Management Head, who is in charge of managing
portofolio proyek TI, manajemen perubahan, serta the IT project portfolio, change management, and the
penerapan tata kelola TI yang efektif. implementation of effective IT governance.
• IT Operation Head, yang bertanggung jawab atas • IT Operation Head, who is responsible for the stability
stabilitas dan keandalan operasional TI, termasuk and reliability of IT operations, including Helpdesk,
layanan Helpdesk, Monitoring, dan IT Service Monitoring, and IT Service Management services.
Management.
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Selain pengisian posisi strategis, Bank juga melakukan In addition to filling strategic positions, the Bank is also adding
penambahan tenaga kerja di level staf dan senior staf guna staff and senior staff to support the implementation of the
mendukung implementasi fungsi-fungsi baru yang telah new functions that have been established. This aims to ensure
dibentuk. Hal ini bertujuan untuk memastikan keberlanjutan the sustainability of the digital transformation strategy and
strategi transformasi digital serta memperkuat pengelolaan strengthen the overall management of IT infrastructure and
infrastruktur dan layanan TI secara menyeluruh. services.
Transformasi struktural yang dilakukan dalam organisasi TI The structural transformation carried out in the IT organization
merupakan langkah strategis Bank dalam menghadapi tantangan is a strategic step for the Bank in facing increasingly complex
industri yang semakin kompleks serta mendukung pencapaian industry challenges and supporting the achievement of its
visi menjadi bank pilihan yang berkelanjutan dengan konektivitas vision of becoming the sustainable bank of choice with regional
regional. Dengan penguatan struktur organisasi, peningkatan connectivity. By strengthening the organizational structure,
kapabilitas sumber daya manusia, serta pengembangan improving human resource capabilities, and developing
fungsi-fungsi strategis, Bank semakin siap dalam mengakselerasi strategic functions, the Bank is increasingly ready to accelerate
transformasi digital dan memberikan layanan perbankan yang digital transformation and provide more innovative, efficient,
lebih inovatif, efisien, dan terpercaya bagi nasabah. and reliable banking services for customers.
.
INVESTASI GUNA MENINGKATKAN INVESTMENT TO IMPROVE
INFRASTRUKTUR DAN KEAMANAN INFRASTRUCTURE AND SECURITY
DALAM MEMAJUKAN DIGITALISASI IN ADVANCING DIGITALIZATION
Sebagai bagian dari strategi penguatan infrastruktur dan As part of the strategy to strengthen infrastructure and improve
peningkatan keamanan sistem, Bank telah mengalokasikan system security, the Bank has allocated strategic investments
investasi strategis untuk memastikan kelangsungan operasional to ensure optimal operational continuity, increase resilience
yang optimal, meningkatkan ketahanan terhadap ancaman to cyber threats, and support business growth through
siber, serta mendukung pertumbuhan bisnis melalui digitalisasi. digitization. These investments cover various aspects, including
Investasi ini mencakup berbagai aspek, termasuk pengembangan user device development, server capacity expansion, data
perangkat pengguna, peningkatan kapasitas server, penguatan center strengthening, communication network optimization,
pusat data, optimalisasi jaringan komunikasi, serta penerapan and the implementation of stricter IT security governance and
tata kelola dan pemantauan keamanan TI yang lebih ketat. monitoring.
Berikut adalah inisiatif utama yang akan dijalankan dalam The following are the main initiatives that will be carried out
pengembangan infrastruktur dan keamanan TI pada tahun in the development of IT infrastructure and security in the
mendatang: coming year:
1. Penguatan Infrastruktur dan Keamanan pada Perangkat 1. Strengthening Infrastructure and Security on User
Pengguna (End-Point Terminal) Devices (End-Point Terminal)
Untuk meningkatkan produktivitas serta memperkuat To increase productivity and strengthen the security of
keamanan perangkat kerja, Bank akan melakukan berbagai work devices, the Bank will carry out various developments,
pengembangan, di antaranya: including:
• Penambahan unit PC dan laptop guna mendukung • Adding PC and laptop units to support the growth of
pertumbuhan organisasi dan kebutuhan sumber daya the organization and the human resource needs in
manusia dalam menjalankan operasional perbankan. carrying out banking operations.
• Optimalisasi platform kolaborasi dan produktivitas, • Optimization of collaboration and productivity platforms,
dengan peningkatan lisensi perangkat lunak guna with improved software licenses to support internal
mendukung sistem komunikasi internal, manajemen communication systems, document management, and
dokumen, serta efisiensi kerja berbasis digital. digital-based work efficiency.
• Penguatan keamanan perangkat pengguna, melalui • Strengthening the security of user devices, through the
penerapan berbagai solusi keamanan, termasuk: implementation of various security solutions, including:
- Perlindungan terhadap ancaman malware dan - Protection against malware threats and email-
serangan berbasis email. based attacks.
- Pengamanan data melalui sistem pencegahan - Data security through a data loss prevention system.
kehilangan data (Data Loss Prevention).
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- Deteksi dan respon terhadap ancaman siber pada - Detection of and response to cyber threats on user
perangkat pengguna. devices.
- Perlindungan akses internet dengan sistem - Internet access protection with a web-based security
keamanan berbasis web. system.
- Pengelolaan perangkat yang lebih terkontrol dan - More controlled and secure device management
aman untuk memastikan kepatuhan terhadap to ensure compliance with IT policies.
kebijakan TI.
• Peningkatan infrastruktur kantor cabang, termasuk • Improvement of branch office infrastructure, including
peremajaan perangkat cetak (passbook printer), the replacement of printing devices (passbook printers),
penambahan network printer di Kantor Cabang Pembantu, the addition of network printers at Sub-Branch Offices,
serta peningkatan kapasitas bandwidth internet guna and an increase in internet bandwidth capacity to
memastikan kelancaran komunikasi dan akses sistem di ensure smooth communication and system access
seluruh jaringan kantor. throughout the office network.
2. Penguatan Infrastruktur dan Keamanan pada Server 2. Strengthening Infrastructure and Security on Computer
dan Host Komputer Servers and Hosts
Untuk memastikan keandalan sistem serta mendukung To ensure system reliability and support increased
peningkatan volume transaksi dan kompleksitas operasional, transaction volume and operational complexity, the Bank
Bank akan melakukan: will:
• Peningkatan kapasitas dan kinerja server, melalui: • Increase server capacity and performance through:
- Upgrade server yang digunakan untuk sistem - Upgrade servers used for production systems and
produksi serta pemulihan bencana (Disaster disaster recovery (Disaster Recovery Center).
Recovery Center).
- Peningkatan kapasitas server untuk lingkungan - Increase server capacity for production environments
produksi dan User Acceptance Testing (UAT) guna and User Acceptance Testing (UAT) to support
mendukung efisiensi pengujian sistem sebelum efficient system testing prior to implementation.
implementasi.
• Penerapan sistem keamanan yang lebih ketat, dengan: • Implementation of a stricter security system, with:
- Penambahan lisensi antivirus untuk server serta - Addition of antivirus licenses for servers and
sistem deteksi dan respons terhadap ancaman advanced security threat detection and response
keamanan tingkat lanjut. systems.
- Optimalisasi sistem direktori untuk mengelola akses - Optimization of the directory system to manage
pengguna dan memastikan otorisasi yang lebih user access and ensure stricter authorization.
ketat.
- Implementasi hardening tools dan Vulnerability - Implementation of hardening tools and Vulnerability
Assessment (VA) tools guna memperkuat ketahanan Assessment (VA) tools to strengthen resilience to
terhadap eksploitasi keamanan. security exploits.
- Peningkatan kapasitas firewall, implementasi - Increased firewall capacity, DNS security
keamanan DNS untuk melindungi terhadap ancaman implementation to protect against domain-based
berbasis domain, serta penerapan Network Access threats, and Network Access Control (NAC)
Control (NAC) untuk membatasi akses jaringan implementation to limit unauthorized network
yang tidak sah. access.
- Penambahan sertifikat SSL guna meningkatkan - Additional SSL certificates to improve communication
keamanan komunikasi dan enkripsi data dalam security and data encryption in various digital
berbagai layanan digital. services.
3. Penguatan Infrastruktur dan Keamanan pada Pusat Data 3. Strengthening Infrastructure and Security at the Data
dan Disaster Recovery Center (DC/DRC) Center and Disaster Recovery Center (DC/DRC)
Sebagai langkah antisipatif terhadap gangguan operasional As a proactive measure against operational disruptions
serta untuk meningkatkan keandalan sistem, Bank akan and to improve system reliability, the Bank will invest in
melakukan investasi pada infrastruktur pusat data dan data center and disaster recovery infrastructure by:
pemulihan bencana dengan:
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• Penambahan jaringan komunikasi data antara DC dan • Adding a data communication network between the
DRC untuk memastikan keandalan dan efisiensi dalam DC and the DRC to ensure reliability and efficiency in
pengelolaan sistem transaksi yang kritikal, termasuk the management of critical transaction systems,
untuk sistem pembayaran domestik dan real-time including domestic payment and real-time settlement
settlement. systems.
• Peningkatan konektivitas antar-aplikasi melalui • Increased inter-application connectivity by adding
penambahan cross-connect di pusat data guna cross-connects in the data center to improve system
meningkatkan interoperabilitas sistem serta memastikan interoperability and ensure optimal performance in
kinerja optimal dalam proses transaksi lintas platform. cross-platform transaction processing.
4. Optimalisasi Infrastruktur dan Keamanan Jaringan pada 4. Optimization of Infrastructure and Network Security at
Kantor Pusat, Cabang, dan ATM Headquarters, Branches, and ATMs
Untuk meningkatkan efisiensi dan keamanan operasional To improve operational efficiency and security across the
di seluruh jaringan kantor dan ATM, Bank akan melakukan office and ATM network, the Bank will carry out various
berbagai peningkatan infrastruktur jaringan, termasuk: network infrastructure improvements, including:
• Modernisasi sistem pengawasan keamanan, melalui • Modernization of the security surveillance system,
peremajaan sistem CCTV, guna meningkatkan kualitas through the rejuvenation of the CCTV system, to
pemantauan serta memperkuat pengamanan di seluruh improve the quality of monitoring and strengthen
area operasional. security in all operational areas.
• Peningkatan sistem komunikasi kantor, melalui: • Improvement of the office communication system,
through:
- Implementasi IP PBX Recording guna mendukung - Implementation of IP PBX Recording to support
kepatuhan terhadap standar layanan serta compliance with service standards and improve
meningkatkan efisiensi komunikasi internal dan the efficiency of internal and external
eksternal. communications.
- Penambahan kontrak pemeliharaan sistem - Addition of a communication system maintenance
komunikasi guna memastikan kelangsungan contract to ensure reliable and optimal operational
operasional yang andal dan optimal. continuity.
5. Monitoring, Governance, dan Kepatuhan terhadap 5. Monitoring, Governance, and Compliance with IT
Regulasi TI Regulations
Sebagai bagian dari penguatan tata kelola TI dan kepatuhan As part of strengthening IT governance and compliance
terhadap regulasi yang berlaku, Bank akan melakukan with applicable regulations, the Bank will undertake various
berbagai inisiatif, termasuk: initiatives, including:
• Vulnerability Assessment & Penetration Testing (VAPT) • Vulnerability Assessment & Penetration Testing (VAPT)
guna memastikan ketahanan sistem TI terhadap to ensure the resilience of IT systems against cyber
ancaman siber, khususnya dalam konteks kepatuhan threats, especially in the context of compliance with
terhadap regulasi penyelenggara jasa pembayaran. payment service provider regulations.
• Assessment ISO 27001, sebagai langkah untuk • ISO 27001 Assessment, as a step to strengthen
memperkuat tata kelola keamanan informasi, khususnya information security governance, especially related
terkait akses ke sistem identifikasi kependudukan to access to the national identification system.
nasional.
• IT Maturity Assessment, guna mengevaluasi kesiapan • IT Maturity Assessment, to evaluate the readiness and
serta efektivitas strategi TI dalam mendukung effectiveness of IT strategies in supporting sustainable
transformasi digital yang berkelanjutan. digital transformation.
Investasi dan pengembangan TI dalam bidang infrastruktur IT investment and development in the fields of infrastructure
dan keamanan merupakan bagian dari strategi jangka panjang and security are part of the Bank's long-term strategy to
Bank dalam memperkuat daya saing serta memastikan strengthen competitiveness and ensure system reliability in
keandalan sistem dalam menghadapi tantangan industri facing the challenges of the digital banking industry. With the
perbankan digital. Dengan penerapan teknologi yang lebih application of more sophisticated technology, comprehensive
canggih, peningkatan keamanan yang komprehensif, serta security improvements, and better governance, the Bank is
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tata kelola yang lebih baik, Bank berkomitmen untuk memberikan committed to providing more innovative, efficient, and secure
layanan yang lebih inovatif, efisien, dan aman bagi seluruh services for all customers and stakeholders.
nasabah serta pemangku kepentingan.
MANAGEMEN RISIKO TI, IT RISK MANAGEMENT,
KEPATUHAN DAN REGULASI COMPLIANCE AND REGULATION
Bank telah mengadopsi kebijakan manajemen risiko TI yang The Bank has adopted a comprehensive IT risk management
komprehensif, berlandaskan pada prinsip-prinsip manajemen policy, based on best risk management principles and
risiko terbaik dan standar internasional. Kebijakan ini dirancang international standards. This policy is designed to ensure that
untuk memastikan bahwa risiko TI diidentifikasi, dievaluasi, IT risks are effectively identified, evaluated, monitored and
dimonitor, dan dimitigasi secara efektif untuk mendukung mitigated to support the bank’s operational continuity.
kelangsungan operasional bank.
Cara efektif Bank mengelola risiko terkait TI: How the Bank effectively manages IT-related risks:
1. Bank secara proaktif mengidentifikasi potensi risiko 1. The Bank proactively identifies potential IT risks through
TI melalui penilaian risiko yang terstruktur, yang a structured risk assessment, which includes analysis
mencakup analisis ancaman keamanan siber, risiko of cybersecurity threats, technical risks, and operational
teknis, dan risiko operasional. risks.
2. Mengimplementasikan berbagai kontrol keamanan, 2. Implementing various security controls, including
termasuk firewall, sistem deteksi dan pencegahan firewalls, intrusion detection and prevention systems,
intrusi, serta solusi enkripsi untuk melindungi aset and encryption solutions to protect information assets
informasi dari ancaman eksternal dan internal. from external and internal threats.
3. Bank memiliki rencana pemulihan bencana yang solid 3. The bank has a solid disaster recovery plan and
dan rencana kontinuitas bisnis yang diuji secara berkala business continuity plan that is tested regularly to
untuk menjamin pemulihan sistem dan operasional ensure rapid recovery of the bank’s systems and
bank dengan cepat setelah terjadi insiden. operations after an incident.
4. Program pelatihan keamanan siber yang terus menerus 4. Continuous cybersecurity training programs and
dan kampanye kesadaran untuk seluruh karyawan, awareness campaigns for all employees, to ensure
untuk memastikan bahwa praktik terbaik keamanan that cybersecurity best practices are understood and
siber dipahami dan diikuti. followed.
5. Monitoring dan penanganan Insiden termasuk 5. Incident monitoring and handling including the use of
penggunaan tools untuk deteksi dini dan respons tools for early detection and rapid response to
cepat terhadap insiden keamanan siber. cybersecurity incidents.
Kepatuhan TI terhadap Regulasi: IT Regulatory Compliance:
1. Bank mematuhi semua regulasi Otoritas Jasa Keuangan 1. The Bank complies with all Financial Services Authority
(OJK) terkait TI, serta regulasi internasional seperti (OJK) regulations related to IT, as well as international
GDPR untuk perlindungan data. regulations such as GDPR for data protection.
2. Mengadakan review dan pembaruan kebijakan 2. Conduct regular reviews and updates of IT compliance
kepatuhan TI secara berkala untuk memastikan aligment policies to ensure aligment with regulatory changes
dengan perubahan regulasi dan standar industri. and industry standards.
Hasil audit TI dan tindak Lanjut: IT audit results and follow up:
1. Audit TI dilakukan oleh auditor eksternal dan internal 1. IT audits are conducted by external and internal
untuk mengevaluasi efektivitas kontrol dan prosedur auditors to evaluate the effectiveness of existing IT
keamanan TI yang ada. security controls and procedures.
2. Hasil audit menunjukkan area yang memerlukan 2. Audit results indicate areas that require improvement
perbaikan dan bank telah mengambil langkah-langkah and the bank has taken follow-up steps, including
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tindak lanjut, termasuk pembaruan infrastruktur, infrastructure updates, policy improvements, and
perbaikan kebijakan, dan peningkatan proses-proses enhanced security processes.
keamanan.
Bank terus berupaya untuk mengembangkan dan The bank continuously strives to develop and maintain a
mempertahankan lingkungan TI yang aman dan resilien. secure and resilient IT environment. Through robust policies,
Melalui kebijakan yang kuat, praktik manajemen risiko yang structured risk management practices, and regulatory
terstruktur, dan kepatuhan terhadap regulasi yang berlaku, compliance, the bank is committed to protecting information
bank berkomitmen untuk melindungi aset informasi dan assets and maintaining the trust of customers and stakeholders.
menjaga kepercayaan nasabah serta pemangku kepentingan.
Sumber Daya Manusia (SDM) TI IT Human Resources (HR)
Bank merencanakan program pengembangan profesional The Bank plans a comprehensive professional development
yang komprehensif untuk memastikan bahwa semua anggota program to ensure that all IT team members have relevant
tim TI memiliki keterampilan yang relevan dan terkini. Ini and up-to-date skills. This includes technical training, industry
termasuk pelatihan teknis, sertifikasi industri, dan program certifications, and continuous learning programs.
pembelajaran berkelanjutan.
Pelatihan kepemimpinan dan manajemen diberikan untuk Leadership and management training is provided to prepare
mempersiapkan individu-individu dalam tim TI untuk peran individuals in the IT team for future leadership roles and
kepemimpinan masa depan dan meningkatkan kemampuan enhance managerial capabilities. The Bank also supports
manajerial. Bank juga mendukung partisipasi dalam konferensi participation in IT conferences, workshops, and industry
TI, workshop, dan forum industri untuk memfasilitasi pertukaran forums to facilitate the exchange of knowledge and experience
pengetahuan dan pengalaman dengan para profesional TI with other IT professionals.
lainnya.
Kultur dan Lingkungan Kerja di TI Culture and Work Environment in IT
1. Bank mendorong kultur kolaboratif di mana ide-ide 1. The Bank encourages a collaborative culture where
inovatif dan pendekatan pemecahan masalah yang innovative ideas and creative problem-solving
kreatif didorong dan dihargai. approaches are encouraged and rewarded.
2. Lingkungan kerja yang dirancang untuk mendukung 2. A work environment designed to support innovation
inovasi dan kolaborasi, dengan ruang kerja yang and collaboration, with ergonomic workspaces, state-
ergonomis, teknologi canggih, dan fasilitas yang of-the-art technology, and facilities that support
mendukung kerja tim dan komunikasi yang efektif. teamwork and effective communication. Implementation
Penerapan teknologi terbaru dalam lingkungan kerja of the latest technology in the work environment to
untuk memudahkan karyawan TI dalam menjalankan make it easier for IT employees to carry out their duties
tugas dan tanggung jawab mereka. and responsibilities.
Bank berkomitmen untuk memastikan bahwa SDM TI tidak The bank is committed to ensuring that IT human resources
hanya berkualitas tinggi dari segi teknis, tetapi juga diintegrasikan are not only of high technical quality, but also fully integrated
sepenuhnya dengan nilai-nilai perusahaan dan budaya kerja with corporate values and a positive work culture. This
yang positif. Inisiatif pengembangan ini mencerminkan development initiative reflects the bank’s recognition of the
pengakuan bank terhadap pentingnya talenta TI dalam importance of IT talent in carrying out the company’s vision
mengemban visi dan misi perusahaan di era digital. and mission in the digital era.
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Transformasi Digital dan Inisiatif Masa Digital Transformation and Future
Depan Initiatives
Rencana strategis untuk transformasi digital di bank ditujukan The strategic plan for digital transformation at the bank is
untuk memperkuat fondasi teknologi, meningkatkan efisiensi aimed at strengthening the technological foundation, improving
operasional, dan mengoptimalkan pengalaman nasabah. operational efficiency, and optimizing customer experience.
Rencana ini mencakup: This plan includes:
1. Modernisasi Infrastruktur TI agar lebih skalabel, resilien, 1. Modernization of IT Infrastructure to be more scalable,
dan aman, termasuk cloud computing dan solusi data resilient and secure, including cloud computing and
big data. big data solutions.
2. Digitalisasi proses Bisnis, yaitu otomatisasi proses 2. Business process digitization, which is the automation
bisnis yang kritis melalui penggunaan teknologi seperti of critical business processes through the use of
AI dan machine learning untuk meningkatkan kecepatan technologies such as AI and machine learning to
dan akurasi layanan. improve service speed and accuracy.
3. Penciptaan produk dan layanan perbankan digital yang 3. Creation of new digital banking products and services,
baru, yang dirancang untuk memenuhi kebutuhan designed to meet dynamic customer needs and enhance
nasabah yang dinamis dan meningkatkan inklusi finansial. financial inclusion.
4. Investasi dalam teknologi yang memperkaya interaksi 4. Investment in technologies that enrich customer
nasabah dengan bank, seperti pengembangan aplikasi interactions with the bank, such as the development
mobile banking yang lebih intuitif dan personalisasi of more intuitive mobile banking applications and
layanan melalui analitik data. personalization of services through data analytics.
Inisiatif masa depan di bidang TI direncanakan untuk mendukung Future IT initiatives planned to support the bank’s growth and
pertumbuhan dan inovasi bank, meliputi: innovation include:
1. Meluncurkan program pembelajaran dan pengembangan 1. Launching a learning and development program aimed
yang bertujuan untuk mempersiapkan karyawan TI at preparing IT employees with the skills needed to
dengan keterampilan yang dibutuhkan untuk take on tasks in the ever-changing digital era.
mengemban tugas di era digital yang terus berubah.
2. Memperkuat hubungan dengan komunitas startup dan 2. Strengthening relationships with the startup community
inovator teknologi untuk menjajaki kemitraan strategis and technology innovators to explore strategic
dan solusi inovatif. partnerships and innovative solutions.
3. Melanjutkan investasi dalam keamanan siber untuk 3. Continued investment in cybersecurity to protect the
melindungi aset dan data bank, serta menanggapi bank’s assets and data, and responded to evolving
ancaman keamanan siber yang berkembang dengan cybersecurity threats with a proactive strategy.
strategi yang proaktif.
4. Mengintegrasikan analitik data lanjutan untuk 4. Integrate advanced data analytics to gain deeper
mendapatkan wawasan yang lebih dalam mengenai insights into customer behavior and needs, enabling
perilaku dan kebutuhan nasabah, sehingga memungkinkan data-driven decision making.
pengambilan keputusan yang berbasis data.
5. Mengintegrasikan prinsip keberlanjutan dan tanggung 5. Integrate sustainability and social responsibility
jawab sosial dalam strategi TI, termasuk pengurangan principles in IT strategy, including the reduction of the
jejak karbon operasional TI dan pengembangan solusi carbon footprint of IT operations and the development
yang ramah lingkungan. of environmentally friendly solutions.
Rencana dan inisiatif ini menunjukkan komitmen bank terhadap These plans and initiatives demonstrate the bank’s commitment
transformasi digital yang berkesinambungan dan peningkatan to continuous digital transformation and enhancement of
kapabilitas internal untuk tetap kompetitif di pasar yang internal capabilities to remain competitive in an increasingly
semakin digital. Investasi dalam SDM TI dan teknologi baru digitized market. Investments in IT people and new technologies
menjadi kunci untuk mencapai tujuan ini, sejalan dengan misi are key to achieving this goal, in line with the bank’s mission
bank untuk memberikan layanan yang unggul dan inovatif to provide superior and innovative services to its customers.
bagi nasabahnya.
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PELATIHAN YANG PERNAH TRAINING ATTENDED BY THE
DIIKUTI HEAD DAN TIM DIVISI IT DI HEAD AND IT DIVISION TEAM
SEPANJANG TAHUN 2024 THROUGHOUT 2024
Sebagai bagian dari upaya meningkatkan kompetensi As part of efforts to improve leadership competencies,
kepemimpinan, inovasi teknologi, keamanan siber, serta technological innovation, cybersecurity, and regulatory
kepatuhan terhadap regulasi, para pejabat eksekutif Divisi compliance, the Information Technology Division's executive
Teknologi Informasi telah mengikuti berbagai pelatihan strategis officers have participated in various strategic training courses
sepanjang tahun 2024. Program ini dirancang untuk memperkuat throughout 2024. This program is designed to strengthen
kemampuan dalam menghadapi tantangan transformasi digital, capabilities in facing the challenges of digital transformation,
mempercepat adopsi teknologi, serta meningkatkan tata kelola accelerating technology adoption, and improving the Bank's
dan ketahanan operasional Bank. governance and operational resilience.
Melalui berbagai pelatihan dan sertifikasi yang telah diikuti, Through various training and certification programs that have
para eksekutif Divisi TI telah membangun wawasan yang lebih been participated in, IT Division executives have gained a
mendalam mengenai tren industri, praktik terbaik dalam deeper insight into industry trends, best practices in risk
pengelolaan risiko, serta strategi dalam mengoptimalkan management, and strategies in optimizing technology to
teknologi untuk mendukung pertumbuhan bisnis Bank. support the Bank's business growth.
Berikut adalah rangkuman komprehensif dari pelatihan yang The following is a comprehensive summary of the training
telah diikuti: that has been participated in:
1. Transformasi Digital dan Inovasi Teknologi 1. Digital Transformation and Technology Innovation
Sebagai bagian dari strategi akselerasi digital, para eksekutif As part of the digital acceleration strategy, IT executives
TI mengikuti berbagai pelatihan yang berfokus pada participate in various training programs that focus on the
implementasi teknologi terbaru dan pengembangan implementation of the latest technologies and the
infrastruktur digital, termasuk: development of digital infrastructure, including:
• IT Workshop: Membahas strategi transformasi digital • IT Workshop: Discusses the digital transformation
dan rencana kerja yang akan diterapkan untuk strategy and the work plan that will be implemented
meningkatkan daya saing dan efisiensi operasional to improve the Bank's competitiveness and operational
Bank. efficiency.
• Executive Workshop 2024 – Membangun wawasan • Executive Workshop 2024 – Builds leadership insights
kepemimpinan dan sinergi dalam pengembangan and synergies in information technology development
teknologi informasi dengan seluruh unit bisnis bank. with all of the bank's business units.
• Konsinyering Implementasi dan Tata Kelola Artificial • Consignment of Artificial Intelligence (AI) Implementation
Intelligence (AI) – Mengembangkan strategi penerapan and Governance - Develop an AI implementation
AI untuk meningkatkan resiliensi digital Bank. strategy to increase the Bank's digital resilience.
• The Future of Data Analytics in the Financial Industry • The Future of Data Analytics in the Financial Industry
– Mengkaji tren dan inovasi dalam analisis data guna - Review trends and innovations in data analysis to
mendukung pengambilan keputusan berbasis data. support data-based decision making.
2. Keamanan Siber dan Perlindungan Data 2. Cyber Security and Data Protection
Dengan meningkatnya ancaman siber dan tuntutan regulasi With the increasing cyber threats and regulatory demands
terkait perlindungan data, para eksekutif TI telah mengikuti regarding data protection, IT executives have attended
berbagai pelatihan yang berfokus pada mitigasi risiko various trainings that focus on mitigating information
keamanan informasi, antara lain: security risks, including:
• Cyber Security Phishing Awareness – Meningkatkan • Cyber Security Phishing Awareness - Raising awareness
kesadaran terhadap ancaman phishing dan teknik of phishing threats and cyber attack mitigation
mitigasi serangan siber. techniques.
• CyberArk IMPACT World Tour 2024 – Menyelami solusi • CyberArk IMPACT World Tour 2024 - Exploring the
terbaru dalam pengelolaan identitas dan keamanan latest solutions in identity management and access
akses. security.
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• Sosialisasi Data Loss Prevention Awareness – Memahami • Data Loss Prevention Awareness Dissemination -
strategi pencegahan kebocoran data dan pengelolaan Understanding data leak prevention strategies and
keamanan informasi. information security management.
• Sosialisasi Kebijakan Perlindungan Data Pribadi (Personal • Personal Data Protection Law Dissemination - Ensuring
Data Protection Law) – Memastikan kepatuhan terhadap compliance with customer data protection regulations.
regulasi perlindungan data nasabah.
• Sosialisasi Emergency Preparedness and Response • Emergency Preparedness and Response Dissemination
– Menyusun strategi mitigasi risiko operasional dalam - Developing operational risk mitigation strategies in
menghadapi situasi darurat. dealing with emergency situations.
3. Manajemen Risiko dan Kepatuhan Regulasi 3. Risk Management and Regulatory Compliance
Untuk memastikan kepatuhan terhadap kebijakan industri To ensure compliance with industry policies and improve
dan meningkatkan efektivitas pengelolaan risiko, para the effectiveness of risk management, IT executives have
eksekutif TI telah mengikuti pelatihan berikut: taken the following training:
• Pembekalan dan Ujian Re-Sertifikasi Manajemen Risiko • Briefing and Re-Certification Exam for Risk Management
Jenjang 5 dan 6 – Memastikan kesiapan dalam Levels 5 and 6 - Ensuring readiness in managing
mengelola risiko operasional dan kepatuhan perbankan. operational risk and banking compliance.
• Refreshment on Anti Money Laundering (AML) Program • Refreshment on Anti Money Laundering (AML) Program
– Memperbarui pemahaman terhadap tantangan dan - Updating understanding of the challenges and
implementasi kebijakan anti pencucian uang. implementation of anti-money laundering policies.
• Anti Fraud Awareness – Meningkatkan kesadaran dan • Anti Fraud Awareness - Raising awareness and
strategi dalam pencegahan kejahatan keuangan. strategies in the prevention of financial crime.
• Training Fundamentals of Bank Financial Statement • Training Fundamentals of Bank Financial Statement
Analysis – Memahami analisis laporan keuangan Analysis - Understanding the analysis of banking
perbankan guna mendukung pengambilan keputusan financial statements to support strategic decision
strategis. making.
4. Penguatan Tata Kelola Teknologi dan Analisis Data 4. Strengthening Technology Governance and Data Analysis
Dalam rangka mendukung pengelolaan teknologi informasi In order to support more structured and data-driven
yang lebih terstruktur dan berbasis data, para eksekutif information technology management, IT executives also
TI juga mengikuti berbagai pelatihan terkait analitik data participate in various training courses related to data
dan tata kelola TI: analytics and IT governance:
• Workshop Southeast Asia Leading Banking Data • Southeast Asia Leading Banking Data Processing
Processing Expertise – Memahami praktik terbaik Expertise Workshop - Understanding best practices
dalam pemrosesan data di sektor perbankan regional. in data processing in the regional banking sector.
• Sosialisasi Personal Data Protection Law: Internal & • Dissemination of Personal Data Protection Law: Internal
External Data Sharing – Mengelola dan melindungi & External Data Sharing - Managing and protecting
data nasabah sesuai regulasi yang berlaku. customer data in accordance with applicable regulations.
• Pengelolaan Identitas dan Akses Pengguna Secara • Centralized User Identity and Access Management -
Terpusat – Meningkatkan kontrol terhadap akses dan Improving control over user data access and security.
keamanan data pengguna.
Melalui partisipasi dalam berbagai pelatihan strategis ini, para Through participation in these various strategic training
pejabat eksekutif Divisi TI telah memperkuat kompetensi di programs, IT Division executive officers have strengthened
berbagai aspek penting, termasuk transformasi digital, their competencies in various important aspects, including
keamanan siber, tata kelola data, manajemen risiko, serta digital transformation, cybersecurity, data governance, risk
kepatuhan regulasi. management, and regulatory compliance.
Sedangkan peningkatan kapabilitas Tim Teknologi Informasi Meanwhile, the Information Technology Team's capabilities
adalah dengan berbagai pelatihan untuk memperoleh wawasan have been enhanced through various training programs to
terbaru mengenai tren industri, penguatan tata kelola teknologi, gain the latest insights into industry trends, strengthen
serta optimalisasi peran dalam mendukung pertumbuhan technology governance, and optimize their role in supporting
bisnis dan inovasi perbankan. business growth and banking innovation.
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Berikut adalah rangkuman pelatihan yang telah diikuti oleh The following is a summary of the training that the IT Team
Tim TI: has participated in:
1. Transformasi Digital dan Inovasi Teknologi 1. Digital Transformation and Technological Innovation
Untuk mendukung akselerasi digitalisasi, Tim TI telah To support the acceleration of digitalization, the IT Team
mengikuti berbagai pelatihan yang berfokus pada has participated in various training courses that focus on
implementasi teknologi mutakhir dan pengelolaan the implementation of cutting-edge technology and the
infrastruktur digital, termasuk: management of digital infrastructure, including:
• Webinar Artificial Intelligence Changes the Face of • Artificial Intelligence Webinar: Changes to the Face
the Financial Sector – Eksplorasi dampak AI terhadap of the Financial Sector - Exploration of the impact of
industri keuangan dan perbankan. AI on the financial and banking industries.
• Workshop Southeast Asia Leading Banking Information • Southeast Asia Leading Banking Information and
and Technology Expertise – Praktik terbaik dalam Technology Expertise Workshop - Best practices in
implementasi solusi TI di sektor perbankan. – Inovasi the implementation of IT solutions in the banking
dalam pengembangan produk perbankan berbasis sector. - Innovation in the development of technology-
teknologi. based banking products.
• Training Agile Methodology for Banking Industry – • Agile Methodology for Banking Industry Training -
Penerapan metodologi Agile dalam pengembangan Application of Agile methodology in the development
sistem dan layanan perbankan digital. of digital banking systems and services.
• Webinar Peran UU P2SK dalam Memberikan Efek Jera • The Role of the P2SK Law in Providing Deterrence for
bagi Pelaku Jasa Keuangan Ilegal – Implikasi regulasi Illegal Financial Service Providers Webinar - Regulatory
terhadap industri keuangan digital. implications for the digital finance industry.
2. Keamanan Siber dan Perlindungan Data 2. Cyber Security and Data Protection
Sebagai bagian dari upaya meningkatkan ketahanan As part of efforts to improve resilience to cyber threats,
terhadap ancaman siber, Tim TI telah mengikuti berbagai the IT Team has participated in various information security
pelatihan keamanan informasi dan perlindungan data, and data protection training, including:
antara lain:
• Webinar: Strategi Mencegah Serangan Siber – Peningkatan • Webinar: Strategies to Prevent Cyber Attacks - Raising
kesadaran dan strategi mitigasi serangan siber. awareness and strategies to mitigate cyber attacks.
• Cyber Security Phishing Awareness – Pemahaman • Cyber Security Phishing Awareness - Understanding
tentang ancaman phishing dan metode pencegahan. phishing threats and prevention methods.
• Sosialisasi Data Loss Prevention Awareness – • Socialization of Data Loss Prevention Awareness -
Pencegahan kebocoran data melalui pengelolaan Prevention of data leakage through information security
sistem keamanan informasi. system management.
• Sosialisasi Kebijakan Perlindungan Data Pribadi – • Socialization of Personal Data Protection Policy -
Kepatuhan terhadap regulasi perlindungan data Compliance with customer data protection regulations.
nasabah.
• Webinar Understanding the Climate Landscape for • Webinar Understanding the Climate Landscape for
Financial Institutions – Peran keuangan berkelanjutan Financial Institutions - The role of sustainable finance
dalam mitigasi risiko siber. in mitigating cyber risk.
• Training Fraud Awareness dan Basic Risk Control – • Fraud Awareness and Basic Risk Control Training -
Strategi pencegahan dan deteksi fraud di sektor Fraud prevention and detection strategies in the digital
perbankan digital. banking sector.
• Workshop Southeast Asia Leading Banking Personal • Southeast Asia Leading Banking Personal Data
Data Protection Expertise – Implementasi dan tata Protection Expertise Workshop - Implementation and
kelola perlindungan data pribadi. governance of personal data protection.
3. Manajemen Risiko dan Kepatuhan Regulasi 3. Risk Management and Regulatory Compliance
Untuk memastikan kepatuhan terhadap regulasi perbankan To ensure compliance with banking regulations and
dan penguatan tata kelola risiko, Tim TI telah mengikuti strengthen risk governance, the IT Team has participated
pelatihan berikut: in the following training:
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• Pembekalan dan Ujian Resertifikasi Manajemen Risiko • Briefing and Risk Management Recertification Exam
berbagai Jenjang – Penguatan pemahaman risiko at Various Levels - Strengthening understanding of
operasional dan regulasi perbankan. operational risk and banking regulations.
• Webinar How to Prevent Money Laundering and • Webinar How to Prevent Money Laundering and
Terrorism Financing – Pencegahan pencucian uang Terrorism Financing.
dan pendanaan terorisme.
• Refreshment on Anti Money Laundering (AML) Program • Refreshment on Anti Money Laundering (AML) Program
– Pemahaman terkini mengenai regulasi AML di industri - Current understanding of AML regulations in the
keuangan. financial industry.
• Workshop Risk Manager: Developing Risk Control Self • Risk Manager Workshop: Developing Risk Control Self
Assessment – Implementasi manajemen risiko di Assessment - Implementation of risk management in
lingkungan perbankan. the banking environment.
• Focus Group Discussion: Penerapan ILAAP dan • Focus Group Discussion: Application of ILAAP and
Pengaturan dalam RPOJK LCR & NSFR – Kepatuhan Arrangements in RPOJK LCR & NSFR - Compliance
terhadap regulasi likuiditas perbankan. with banking liquidity regulations.
• Workshop Southeast Asia Leading Banking Treasury • Southeast Asia Leading Banking Treasury and Trade
dan Trade Sales Expertise – Tata kelola dan kepatuhan Sales Expertise Workshop - Governance and compliance
dalam transaksi perbankan internasional. in international banking transactions.
4. Analitik Data dan Pengambilan Keputusan Berbasis Data 4. Data Analytics and Data-Driven Decision Making
Untuk mendukung pengambilan keputusan berbasis data To support more effective data-driven decision making,
yang lebih efektif, Tim TI telah mengikuti berbagai pelatihan the IT Team has participated in various training courses
terkait analitik data, antara lain: related to data analytics, including:
• The Future of Data Analytics in the Financial Industry • The Future of Data Analytics in the Financial Industry
– Tren dan inovasi dalam analitik data di sektor - Trends and innovations in data analytics in the
keuangan. financial sector.
• Workshop Southeast Asia Leading Banking Data • Southeast Asia Leading Banking Data Processing
Processing Expertise – Praktik terbaik dalam pengelolaan Expertise Workshop - Best practices in data management
dan analisis data. and analysis.
• Mini Bootcamp: Becoming a Data Analyst with Excel • Mini Bootcamp: Becoming a Data Analyst with Excel
– Penguatan keterampilan analisis data menggunakan - Strengthening data analysis skills using Excel.
Excel.
• Data Visualization with Power BI – Optimalisasi • Data Visualization with Power BI - Optimization of data
visualisasi data untuk pengambilan keputusan strategis. visualization for strategic decision making.
5. Efisiensi Operasional dan Penguatan Tata Kelola Teknologi 5. Operational Efficiency and Strengthening of Technology
Governance
Sebagai bagian dari strategi untuk meningkatkan efisiensi As part of the strategy to improve the efficiency and
dan optimalisasi sistem internal, Tim TI telah mengikuti optimization of internal systems, the IT Team has participated
pelatihan berikut: in the following training:
• Workshop Southeast Asia Leading Banking Operational • Southeast Asia Leading Banking Operational Expertise
Expertise – Strategi optimalisasi operasional di Workshop - Operational optimization strategy in the
lingkungan perbankan. banking environment.
• Webinar: Strategi Implementasi Market Conduct – • Webinar: Market Conduct Implementation Strategy -
Membangun kepercayaan dan meningkatkan kepatuhan Building trust and improving compliance in the financial
di sektor jasa keuangan. services sector.
• Workshop Lego Serious Play: Unlocking Imagination • Lego Serious Play Workshop: Unlocking Imagination
– Penerapan metode kreatif dalam inovasi dan strategi - Application of creative methods in banking innovation
perbankan. and strategy.
• Sosialisasi Payroll Loan New Concept – Optimalisasi • Payroll Loan New Concept Dissemination - Optimization
layanan payroll berbasis digital. of digital-based payroll services.
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Tinjauan Pendukung Bisnis
Business Supporting Review
• Workshop Optimalisasi Strategi Hukum dan Bisnis • Workshop on Optimization of Legal and Business
dalam Transaksi Merger dan Akuisisi Perusahaan – Strategies in Company Mergers and Acquisitions
Penguatan strategi hukum dan bisnis dalam ekspansi Transactions - Strengthening legal and business
perusahaan. strategies in company expansion.
6. Pengembangan Sumber Daya Manusia dan Branding 6. Human Resource Development and Professional Branding
Profesional
Untuk meningkatkan kompetensi personal dan profesional, To improve personal and professional competence, the
Tim TI telah mengikuti berbagai pelatihan yang berfokus IT Team has participated in various training courses that
pada pengembangan diri dan komunikasi, antara lain: focus on self-development and communication, including:
• Training Self Branding and Brand Communication – • Self Branding and Brand Communication Training -
Peningkatan keterampilan personal branding dan Improving personal branding and professional
komunikasi profesional. communication skills.
• Webinar Impactful Presentation Skills – Peningkatan • Impactful Presentation Skills Webinar - Improving
keterampilan presentasi yang efektif. effective presentation skills.
• Webinar Winning 2024: Memenangkan Tahun Naga • Winning 2024 Webinar: Winning the Year of the Dragon
– Strategi kepemimpinan dan pengembangan karier. - Leadership and career development strategies.
• English Development Program (Pre-Intermediate & • English Development Program (Pre-Intermediate &
Intermediate Level) – Peningkatan keterampilan bahasa Intermediate Level) - Improving English skills for business
Inggris untuk komunikasi bisnis. communication.
Dengan mengikuti berbagai program pelatihan ini, Tim TI telah By participating in these training programs, the IT Team has
memperkuat kompetensi dalam berbagai aspek penting, strengthened its competencies in various important aspects,
termasuk transformasi digital, keamanan siber, tata kelola including digital transformation, cybersecurity, data governance,
data, manajemen risiko, serta efisiensi operasional. risk management, and operational efficiency.
Pelatihan ini tidak hanya mendukung peningkatan kapabilitas This training not only supports the improvement of individual
individu, tetapi juga berkontribusi dalam penguatan strategi capabilities, but also contributes to strengthening technology-
dan inovasi perbankan berbasis teknologi. based banking strategies and innovations.
Ke depan, Bank akan terus berinvestasi dalam pengembangan Going forward, the Bank will continue to invest in human
SDM dan adopsi teknologi guna memastikan kesiapan organisasi resource development and technology adoption to ensure
dalam menghadapi dinamika industri keuangan yang terus the organization's readiness in facing the dynamics of the
berkembang. ever-evolving financial industry.
RENCANA DAN INISIATIF PLANS AND INITIATIVES FOR IT
PENGEMBANGAN DIVISI IT DIVISION DEVELOPMENT IN 2025
DI TAHUN 2025
Sebagai bagian dari strategi transformasi digital, Divisi Teknologi As part of the digital transformation strategy, the Information
Informasi telah merancang berbagai inisiatif strategis pada Technology Division has designed various strategic initiatives
tahun 2025 untuk mendukung pertumbuhan bisnis, in 2025 to support business growth, improve operational
meningkatkan efisiensi operasional, memperkuat keamanan efficiency, strengthen cybersecurity, and ensure regulatory
siber, serta memastikan kepatuhan terhadap regulasi. compliance. This development is aimed at building a stronger
Pengembangan ini diarahkan untuk membangun fondasi technological foundation to increase the Bank's competitiveness
teknologi yang lebih kuat guna meningkatkan daya saing dan and operational resilience.
ketahanan operasional Bank.
Berikut adalah rencana pengembangan utama yang akan The following are the main development plans that will be
diimplementasikan: implemented:
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1. Optimasi Infrastruktur 1. Infrastructure Optimization
Sebagai upaya meningkatkan skalabilitas, efisiensi, dan In an effort to improve the scalability, efficiency, and
keandalan sistem TI, Bank akan melakukan: reliability of the IT system, the Bank will:
• Modernisasi server guna meningkatkan kapasitas, • Modernize servers to increase the capacity, speed,
kecepatan, dan keandalan infrastruktur TI. and reliability of the IT infrastructure.
• Pembaruan sistem keamanan jaringan, termasuk • Update the network security system, including the
penerapan teknologi inspeksi paket mendalam (Deep implementation of Deep Packet Inspection technology
Packet Inspection) dan sistem pencegahan intrusi and an Intrusion Prevention System.
(Intrusion Prevention System).
• Optimalisasi konektivitas antar pusat data, untuk • Optimization of connectivity between data centers, to
meningkatkan kecepatan dan keandalan interaksi increase the speed and reliability of interaction between
antar sistem kritikal. critical systems.
• Peningkatan perangkat kerja, guna mendukung • Improvement of work devices, to support employee
produktivitas karyawan dengan penyediaan perangkat productivity with the provision of more advanced
yang lebih mutakhir. devices.
• Optimalisasi sistem kolaborasi dan produktivitas, melalui • Optimization of collaboration and productivity systems,
penerapan teknologi berbasis komputasi awan yang through the application of cloud computing-based
memungkinkan fleksibilitas kerja lebih tinggi. technology that allows for higher work flexibility.
• Implementasi solusi manajemen perangkat terpusat, • Implementation of a centralized device management
guna meningkatkan kontrol dan keamanan perangkat solution to improve control and security of work devices.
kerja.
• Penguatan sistem manajemen identitas, dengan • Strengthening of the identity management system,
penambahan lisensi untuk pengelolaan identitas dan with the addition of licenses for more structured
akses pengguna secara lebih terstruktur. management of user identities and access.
2. Penguatan Keamanan Siber 2. Strengthening Cybersecurity
Untuk melindungi data nasabah dan sistem Bank dari To protect customer data and the Bank's systems from
ancaman siber yang terus berkembang, berbagai langkah evolving cyber threats, various strategic measures will be
strategis akan dilakukan, antara lain: taken, including:
• Implementasi sistem keamanan proaktif, yang mampu • Implementation of a proactive security system, which
mendeteksi dan merespons ancaman secara real-time. is capable of detecting and responding to threats in
real-time.
• Peningkatan keamanan jaringan cabang, melalui • Improvement of branch network security, through the
penerapan kontrol akses jaringan (Network Access implementation of Network Access Control (NAC).
Control/NAC).
• Penguatan sistem keamanan email, guna mencegah • Strengthening of the email security system, to prevent
serangan phishing dan malware yang dapat phishing and malware attacks that can endanger the
membahayakan sistem perbankan. banking system.
• Implementasi solusi deteksi dan respons ancaman • Implementation of threat detection and response
pada perangkat pengguna guna meningkatkan solutions on user devices to increase resilience to
ketahanan terhadap serangan siber. cyber attacks.
• Pengamanan layanan berbasis domain, melalui • Domain-based service security, through the
penerapan perlindungan terhadap serangan siber implementation of protection against cyber attacks
yang menargetkan sistem DNS (Domain Name System). targeting the DNS (Domain Name System).
• Perlindungan akses internet, untuk memastikan • Internet access protection, to ensure the security of
keamanan transaksi digital serta mencegah kebocoran digital transactions and prevent data leakage through
data melalui jaringan eksternal. external networks.
• Pencegahan kebocoran data nasabah, guna memastikan • Prevention of customer data leakage, to ensure
kepatuhan terhadap peraturan perlindungan data dan compliance with data protection regulations and
menjaga kepercayaan pelanggan. maintain customer trust.
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Business Supporting Review
3. Pengembangan Sistem untuk Operasional Inti Bank 3. System Development for Core Bank Operations
Untuk memastikan kelangsungan bisnis yang lebih andal To ensure more reliable and competitive business continuity,
dan kompetitif, Bank akan melakukan pengembangan the Bank will develop its core operational systems, including:
pada sistem operasional inti, di antaranya:
• Penambahan fitur produk perbankan, guna memenuhi • Adding banking product features to meet specific
kebutuhan spesifik nasabah. customer needs.
• Peningkatan solusi pembiayaan perdagangan, melalui • Improving trade finance solutions through the integration
integrasi fitur yang lebih canggih dan fleksibel. of more sophisticated and flexible features.
• Otomatisasi input data transaksi, guna mempercepat • Automating transaction data input to speed up the
proses pelaporan dan mengurangi risiko kesalahan reporting process and reduce the risk of manual errors.
manual.
4. Transformasi Berbasis Data 4. Data-Based Transformation
Bank akan mempercepat adopsi teknologi berbasis data The Bank will accelerate the adoption of data-based
guna mendukung pengambilan keputusan yang lebih technology to support faster and more accurate decision
cepat dan akurat, melalui: making, through:
• Pengembangan platform data terpusat, yang • Development of a centralized data platform, which
memungkinkan analisis data lebih komprehensif untuk enables more comprehensive data analysis to support
mendukung strategi bisnis. business strategy.
• Penerapan alat analitik mandiri, yang memberikan • Implementation of independent analytical tools, which
akses kepada unit bisnis untuk melakukan analisis provide access to business units to conduct independent
data secara mandiri tanpa ketergantungan tinggi pada data analysis without high dependence on the IT team.
tim TI.
5. Kepatuhan Regulasi 5. Regulatory Compliance
Sebagai bagian dari upaya memastikan kepatuhan terhadap As part of the effort to ensure compliance with applicable
peraturan yang berlaku, Bank akan mengembangkan regulations, the Bank will develop various automation
berbagai sistem otomatisasi, antara lain: systems, including:
• Integrasi otomatis database PEP (Politically Exposed • Automatic integration of the PEP (Politically Exposed
Persons), guna meningkatkan kepatuhan terhadap Persons) database, to improve compliance with anti-
regulasi anti-pencucian uang. money laundering regulations.
• Otomasi perhitungan Giro Wajib Minimum, untuk • Automation of the calculation of the Minimum Statutory
memastikan kepatuhan terhadap kebijakan likuiditas. Reserves, to ensure compliance with liquidity policies.
• Perhitungan terpusat batas pinjaman nasabah, guna • Centralized calculation of customer loan limits, to
memastikan kepatuhan terhadap Batas Maksimum ensure compliance with the Legal Lending Limit (LLL)
Pemberian Kredit (BMPK) serta meningkatkan and improve credit risk management.
pengelolaan risiko kredit.
• Penerapan sistem pencatatan hak akses data nasabah, • Implementation of a system for recording customer
untuk mendukung kepatuhan terhadap regulasi data access rights, to support compliance with Personal
Perlindungan Data Pribadi (PDP). Data Protection (PDP) regulations.
• Pengembangan model alternatif dalam perhitungan • Development of alternative models in credit risk
risiko kredit, guna meningkatkan akurasi dalam estimasi calculation, to improve accuracy in credit exposure
risiko eksposur kredit dan perhitungan kerugian kredit risk estimation and calculation of expected credit
ekspektasian. losses.
6. Inovasi dan Integrasi Sistem Pembayaran untuk 6. Innovation and Integration of Payment Systems to
Mendukung Inisiatif Bisnis Support Business Initiatives
Untuk mendukung pertumbuhan bisnis dan memperluas To support business growth and expand banking services,
layanan perbankan, Bank akan melakukan berbagai inovasi the Bank will undertake various innovations in the integration
dalam integrasi sistem pembayaran dan produk digital, di of payment systems and digital products, including:
antaranya:
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• Kolaborasi dengan lembaga keuangan dan penyedia • Collaboration with financial institutions and digital
layanan keuangan digital, guna mempercepat layanan financial service providers to accelerate more integrated
transfer dana yang lebih terintegrasi. fund transfer services.
• Optimalisasi layanan remitansi internasional, guna • Optimization of international remittance services to
memfasilitasi pengiriman dana ke luar negeri dengan facilitate the sending of funds abroad with API-based
teknologi berbasis API. technology.
• Pengembangan platform perbankan baru untuk • Development of a new banking platform to meet the
memenuhi kebutuhan transaksi dan layanan keuangan transaction and financial service needs of the corporate
segmen korporasi. segment.
• Peningkatan fitur aplikasi mobile banking, dengan • Enhancement of mobile banking application features
menambahkan layanan yang lebih relevan bagi nasabah by adding services that are more relevant to retail
ritel. customers.
• Implementasi sistem pembayaran lintas negara berbasis • Implementation of a QRIS-based cross-border payment
QRIS, guna memfasilitasi transaksi internasional yang system to facilitate faster and more secure international
lebih cepat dan aman. transactions.
• Pengembangan layanan bagi pelaku usaha, dengan • Development of services for business people, with
fitur tambahan yang mendukung kebutuhan transaksi additional features that support business transaction
bisnis. needs.
• Optimalisasi sistem Virtual Account dan layanan • Optimization of the Virtual Account system and payment
pembayaran berbasis Standar Nasional Open API services based on the National Standard Open API
Pembayaran (SNAP) untuk meningkatkan efisiensi dan Payment (SNAP) to increase the efficiency and ease
kemudahan integrasi pembayaran digital. of digital payment integration.
7. Efisiensi Operasional dan Manajemen Risiko 7. Operational Efficiency and Risk Management
Sebagai bagian dari strategi peningkatan efisiensi As part of the strategy to improve operational efficiency
operasional dan mitigasi risiko, Bank akan melakukan: and risk mitigation, the Bank will undertake:
• Integrasi langsung dengan sistem identitas nasional, • Direct integration with the national identity system, to
untuk mempercepat verifikasi identitas nasabah sebagai speed up customer identity verification as an alternative
alternatif dari koneksi melalui pihak ketiga. to connection through third parties.
• Automasi unggahan data payroll secara kolektif, guna • Automation of collective payroll data uploads, to speed
mempercepat pemrosesan gaji, mengurangi risiko up salary processing, reduce the risk of manual errors,
kesalahan manual, serta meningkatkan efisiensi dalam and increase efficiency in salary payment transactions.
transaksi pembayaran gaji.
• Penjadwalan transfer payroll secara otomatis, guna • Scheduling of automatic payroll transfers, to ensure
memastikan pembayaran gaji tepat waktu serta timely salary payments and reduce the company's
mengurangi beban administratif perusahaan. administrative burden.
Rencana pengembangan Divisi TI tahun 2025 bertujuan untuk The IT Division's development plan for 2025 aims to accelerate
mempercepat transformasi digital yang berkelanjutan, sustainable digital transformation, improve operational security
meningkatkan keamanan dan efisiensi operasional, serta and efficiency, and ensure compliance with applicable
memastikan kepatuhan terhadap regulasi yang berlaku. regulations. By promoting data-based innovation, improving
Dengan mengedepankan inovasi berbasis data, peningkatan security systems, and optimizing digital services, the Bank is
sistem keamanan, dan optimalisasi layanan digital, Bank committed to providing a more modern, fast, secure banking
berkomitmen untuk memberikan pengalaman perbankan yang experience that is in line with customer needs and the dynamics
lebih modern, cepat, aman, dan sesuai dengan kebutuhan of the ever-evolving financial industry.
nasabah serta dinamika industri keuangan yang terus
berkembang.
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Laporan Tata Kelola Perusahaan
Good Corporate Governance Report
Laporan Tata Kelola Perusahaan
Corporate Governance Report
Sebagai bentuk komitmen terhadap Good Corporate As a form of commitment to Good Corporate Governance
Governance (GCG), Bank senantiasa menerapkan prinsip tata (GCG), the Bank always applies good governance principles
kelola yang baik dalam setiap aspek operasionalnya. Tata in every aspect of its operations. Effective and transparent
kelola perusahaan yang efektif dan transparan menjadi dasar corporate governance is the basis for creating long-term
dalam menciptakan nilai jangka panjang bagi seluruh pemangku value for all stakeholders and ensuring compliance with
kepentingan serta memastikan kepatuhan terhadap regulasi applicable regulations. The main principles of GCG, namely
yang berlaku. Prinsip utama GCG, yaitu transparansi, transparency, accountability, responsibility, independence,
akuntabilitas, responsibilitas, independensi, dan kesetaraan and fairness, serve as guidelines in making strategic decisions
(fairness), menjadi pedoman dalam pengambilan keputusan and implementing sustainable business activities.
strategis dan pelaksanaan kegiatan usaha yang berkelanjutan.
Dalam implementasinya, Bank memiliki struktur tata kelola In its implementation, the Bank has a governance structure
yang terdiri dari Dewan Komisaris, Direksi, serta komite-komite consisting of the Board of Commissioners, Board of Directors,
pendukung, yang bekerja secara sinergis dalam mengawasi and supporting committees, which work synergistically in
dan mengelola perusahaan. Dewan Komisaris berperan dalam overseeing and managing the company. The Board of
memberikan arahan strategis serta mengawasi kebijakan Commissioners plays a role in providing strategic direction
manajemen, sedangkan Direksi bertanggung jawab atas and overseeing management policies, while the Board of
pelaksanaan operasional yang selaras dengan visi dan misi Directors is responsible for operational implementation in line
perusahaan. Selain itu, penerapan kebijakan kepatuhan, with the company’s vision and mission. In addition, the
manajemen risiko, serta audit internal yang independen implementation of compliance policies, risk management,
memastikan bahwa seluruh aktivitas perusahaan dilakukan and independent internal audit ensure that all company
secara profesional dan sesuai standar terbaik di industri activities are carried out professionally and according to the
perbankan. best standards in the banking industry.
Sebagai bagian dari transparansi dan keterbukaan informasi, As part of transparency and information disclosure, the Bank
Bank secara berkala menyampaikan laporan tata kelola regularly submits corporate governance reports in the Annual
perusahaan dalam Laporan Tahunan dan Laporan Keberlanjutan. Report and Sustainability Report. This report includes an
Laporan ini mencakup evaluasi terhadap efektivitas kebijakan evaluation of the effectiveness of governance policies,
tata kelola, implementasi program kepatuhan, serta berbagai implementation of compliance programs, and various initiatives
inisiatif dalam meningkatkan kualitas pengelolaan perusahaan. to improve the quality of corporate management. With a strict
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Dengan adanya sistem pengawasan yang ketat, termasuk supervisory system, including through the whistleblowing
melalui mekanisme whistleblowing system (WBS), perusahaan system (WBS) mechanism, the company ensures that any
memastikan bahwa setiap dugaan pelanggaran dapat alleged violations can be followed up professionally and
ditindaklanjuti secara profesional dan bertanggung jawab. responsibly.
Ke depan, Bank akan terus memperkuat penerapan tata kelola Going forward, the Bank will continue to strengthen the
perusahaan dengan mengadopsi praktik terbaik, baik di tingkat implementation of corporate governance by adopting best
nasional maupun internasional. Upaya peningkatan transparansi, practices, both at the national and international levels. Efforts
penguatan budaya kepatuhan, serta penerapan kebijakan to increase transparency, strengthen compliance culture, and
berbasis keberlanjutan akan menjadi fokus utama dalam implement sustainability-based policies will be the main focus
menjaga reputasi dan meningkatkan kepercayaan pemangku in maintaining reputation and increasing stakeholder trust.
kepentingan. Dengan fondasi tata kelola yang kuat, Bank With a strong governance foundation, the Bank is optimistic
optimis dapat menghadapi tantangan industri yang dinamis that it can face the challenges of a dynamic industry and
serta memberikan kontribusi positif bagi pertumbuhan ekonomi make a positive contribution to sustainable economic growth.
yang berkelanjutan.
Implementasi Tata Kelola yang dilakukan Bank mengacu pada The implementation of Governance by the Bank refers to 5
5 (lima) prinsip dasar dalam mewujudkan dan menyempurnakan (five) basic principles in realizing and perfecting the
penerapan prinsip-prinsip GCG antara lain : implementation of GCG principlesamong others
1. Transparansi 1. Transparenc
Bank melaksanakan prinsip transparansi dengan The Bank implements the principle of transparency by
menyediakan informasi baik terkait keuangan maupun providing information both financial and non-financial in
non keuangan secara tepat waktu, memadai, jelas, akurat, a timely, adequate, clear, accurate, and accountable
dan dapat dipertanggungjawabkan serta mudah diakses manner and is easily accessible to stakeholders in
oleh pemangku kepentingan (stakeholders) sesuai dengan accordance with their rights through the Bank’s website.
haknya melalui situs website Bank.
2. Akuntabilitas 2. Accountability
Dalam penerapan prinsip akuntabilitas, Bank menetapkan In implementing the principle of accountability, the Bank
tugas dan tanggung jawab yang jelas pada masing – masing sets clear duties and responsibilities for each organ of
setiap organ Tata Kelola perusahaan yang diselaraskan corporate governance that is aligned with the business
dengan strategi bisnis, visi, misi, dan nilai-nilai perusahaan. strategy, vision, mission, and corporate values. The Bank
Bank memastikan pengendalian internal dan four eyes ensures that internal control and the four eyes principle
principle berjalan sebagai wujud check and balance system are in place as a form of check and balance system in
dalam kegiatan Bank, mekanisme reward and punishment the Bank’s activities, reward and punishment mechanism
sebagai pengukuran kinerja yang digunakan untuk seluruh as a performance measurement used for all employees.
karyawan.
3. Responsibilitas 3. Responsiveness
Bank mewujudkan prinsip ini secara professional dan The Bank realizes this principle in a professional manner
sejalan dengan ketentuan perbankan dan perundang – and in line with banking regulations and applicable laws.
undangan yang berlaku. Dalam rangka penerapan prinsip In order to implement the principle of responsibility, the
responsibility, Bank mengelola kegiatan usaha dengan Bank manages its business activities with prudence and
prinsip kehati – hatian serta berkomitmen untuk mendukung is committed to supporting sustainable finance programs
program keuangan berkelanjutan sesuai dengan visi dan in accordance with its sustainable vision and mission.
misi berkelanjutan.
4. Independensi 4. Independence
Bank memegang teguh prinsip independensi dalam The Bank upholds the principle of independence in the
pengelolaan Bank sehingga tidak ada benturan kepentingan management of the Bank so that there is no conflict of
dan dominasi dari pihak manapun yang dapat mempengaruhi interest and domination from any party that can influence
dalam pengambilan keputusan untuk kepentingan sepihak. decision making for one-sided interests.
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Laporan Tata Kelola Perusahaan
Good Corporate Governance Report
5. Kewajaran 5. Fairnes
Bank senantiasa memberikan keadilan dan kesetaraan The Bank always provides justice and equality in fulfilling
dalam memenuhi hak-hak para pemangku kepentingan the rights of stakeholders. The Bank also provides
(stakeholder). Bank juga memberikan kesempatan kepada opportunities for stakeholders to provide constructive
pemangku kepentingan untuk memberikan opini yang opinions for the betterment of the Bank in accordance
membangun demi kemajuan bank sesuai dengan peraturan with applicable regulations.
yang berlaku.
Bank juga menerapkan 4 (empat) prinsip GCG yaitu perilaku The Bank also implements 4 (four) GCG principles, namely
beretika, akuntabilitas, transparansi, dan keberlanjutan ethical behavior, accountability, transparency, and sustainability
berdasarkan pembaharuan Pedoman Umum Governansi based on the renewal of the Indonesian Corporate Governance
Korporat Indonesia yang diterbitkan oleh Komite Nasional Guidelines issued by the National Committee on Governance
Kebijakan Governansi 2021, dari yang semula terdiri dari 5 Policy 2021, which originally consisted of 5 (five) principles,
(lima) prinsip yakni Transparansi, Akuntabilitas, namely Transparency, Accountability, Responsibility,
Pertanggungjawaban, Independensi, Kewajaran. Independence, Fairness.
Prinsip Penjelasan
Principle Explanation
Perilaku Dalam melaksanakan kegiatannya, Bank senantiasa mengedepankan kejujuran, memperlakukan semua pihak dengan
Beretika hormat (respect), memenuhi komitmen, membangun serta menjaga nilai-nilai moral dan kepercayaan secara konsisten.
Ethical Behavior Bank memperhatikan kepentingan Pemegang Saham dan pemangku kepentingan lainnya berdasarkan asas kewajaran
dan kesetaraan (fairness) dan dikelola secara independen sehingga masing-masing organ perusahaan tidak saling
mendominasi dan tidak dapat diintervensi oleh pihak lain.
In carrying out its activities, the Bank always prioritizes honesty, treats all parties with respect, fulfills commitments,
builds and maintains moral values and trust consistently. The Bank 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 company does not dominate each other and cannot be intervened by other parties.
Akuntabilitas Bank dapat mempertanggungjawabkan kinerjanya secara transparan dan wajar. Untuk itu Bank harus dikelola secara
Accountability benar, terukur dan sesuai dengan kepentingan perusahaan dengan tetap memperhitungkan kepentingan Pemegang
Saham dan pemangku kepentingan. Akuntabilitas merupakan prasyarat yang diperlukan untuk mencapai kinerja yang
berkelanjutan.
The Bank can be accountable for its performance in a transparent and fair manner. For this reason, the Bank must be
managed properly, measurably and in accordance with the interests of the company while taking into account the
interests of Shareholders and stakeholders. Accountability is a necessary prerequisite for achieving sustainable
performance.
Transparansi Untuk menjaga objektivitas dalam menjalankan bisnis, Bank menyediakan informasi yang material dan relevan dengan
Transparency cara yang mudah diakses dan dipahami oleh pemangku kepentingan. Bank mengambil inisiatif untuk mengungkapkan
tidak hanya masalah yang disyaratkan oleh peraturan perundang-undangan, tetapi juga hal yang penting untuk
pengambilan keputusan oleh Pemegang Saham, kreditur dan pemangku kepentingan lainnya.
provides material and relevant information in a manner that is easily accessible and understood by stakeholders. To
maintain objectivity in conducting business, the Bank 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 Bank mematuhi peraturan perundang-undangan serta berkomitmen melaksanakan tanggung jawab terhadap masyarakat
Sustainability dan lingkungan agar berkontribusi pada pembangunan berkelanjutan melalui kerjasama dengan semua pemangku
kepentingan terkait untuk meningkatkan kehidupan mereka dengan cara yang selaras dengan kepentingan bisnis dan
agenda pembangunan berkelanjutan.
The Bank complies with laws and regulations and is committed to carrying out its responsibilities towards society and
the environment in order to contribute to sustainable development by working with all relevant stakeholders to improve
their lives in a way that is aligned with business interests and the sustainable development agenda.
Dalam mendukung program transformasi guna meningkatkan In supporting the transformation program to improve
kinerja dan daya saing, Bank terus berupaya menyempurnakan performance and competitiveness, the Bank continues to
penerapan prinsip-prinsip Tata Kelola secara efektif, akurat, improve the implementation of Governance principles
dan konsisten. Komitmen Bank tercermin dalam pengintegrasian effectively, accurately and consistently. The Bank's commitment
lima prinsip utama Tata Kelola ke dalam seluruh aspek operasional is reflected in the integration of the five main principles of
dan proses pengambilan keputusan. Bank juga berfokus pada Governance into all aspects of operations and decision-making
perlindungan hak dan kepentingan seluruh pemangku processes. The Bank also focuses on protecting the rights
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162 Laporan Tahunan Terintegrasi 2024
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kepentingan serta mendorong pertumbuhan bisnis yang and interests of all stakeholders and promoting sustainable
berkelanjutan. Partisipasi aktif dari seluruh jajaran manajemen business growth. Active participation from all levels of management
dan karyawan menjadi faktor penting dalam merealisasikan and employees is an important factor in realizing the vision and
visi dan misi transformasi untuk mempercepat pertumbuhan mission of transformation to accelerate growth and strengthen
dan memperkuat posisi Bank di industri perbankan nasional. the Bank's position in the national banking industry.
Struktur Dan Mekanisme Tata Kelola Perusahaan
Corporate Governance Structure and Mechanism [GRI 2-9]
Bank mengimplementasikan struktur dan mekanisme tata The Bank implements a governance structure and mechanism
kelola yang mengedepankan transparansi, akuntabilitas, dan that emphasizes transparency, accountability, and sustainability
prinsip keberlanjutan. Struktur tata kelola yang solid menjadi principles. A solid governance structure is the main foundation
landasan utama dalam proses pengambilan keputusan strategis, in the strategic decision-making process, risk management,
pengelolaan risiko, dan pencapaian tujuan Perseroan secara and responsible achievement of the Company's objectives.
bertanggung jawab. Dengan berpedoman pada regulasi yang Guided by applicable regulations and the best standards in
berlaku dan standar terbaik di industri perbankan, Bank the banking industry, the Bank is committed to ensuring that
berkomitmen memastikan setiap aspek tata kelola berjalan every aspect of governance runs optimally and supports
secara optimal dan mendukung pertumbuhan berkelanjutan. sustainable growth. This can be explained below:
Hal tersebut dapat dijelaskan berikut ini :
RAPAT UMUM PEMEGANG SAHAM
GENERAL MEETING OF SHAREHOLDERS
DEWAN KOMISARIS DIREKSI
BOARD OF COMMISSIONERS BOARD OF DIRECTORS
KOMITE AUDIT KOMITE MANAJEMEN RISIKO SEKRETARIS PERUSAHAAN
AUDIT COMMITTEE RISK MANAGEMENT COMMITTEE CORPORATE SECRETARY
KOMITE PEMANTAU RISIKO KOMITE ASET DAN LIABILITAS SATUAN KERJA AUDIT INTERNAL
RISK MONITORING COMMITTEE ASSETS AND LIABILITIES INTERNAL AUDIT UNIT
COMMITTEE
KOMITE REMUNERASI & SATUAN KERJA
KOMITE KREDIT
NOMINASI CREDIT COMMITTEE MANAJEMEN RISIKO
REMUNERATION & NOMINATION RISK MANAGEMENT UNIT
COMMITTEE
KOMITE SUMBER DAYA MANUSIA SATUAN KERJA KEPATUHAN
HUMAN RESOURCES COMMITTEE COMPLIANCE UNIT
KOMITE PENGARAH
LEGAL CORPORATE
TEKNOLOGI INFORMASI LEGAL CORPORATE
INFORMATION TECHNOLOGY
STEERING COMMITTEE
SATUAN KERJA ANTI FRAUD
KOMITE PRODUK
ANTI-FRAUD UNIT
DAN KEBIJAKAN
PRODUCT AND POLICY
COMMITTEE
PT Bank Maspion Indonesia Tbk
Integated Report 2024 163
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Laporan Tata Kelola Perusahaan
Good Corporate Governance Report
Merujuk kepada peratuan perundang-undangan yang berlaku Referring to the applicable laws and best practices in the
dan best practices yang berlaku di industri perbankan, banking industry, the mechanism for assessing the adequacy
mekanisme penilaian kecukupan dan efektivitas penerapan and effectiveness of the implementation of Good Governance
Tata Kelola yang baik terbagi menjadi 3 (tiga) aspek, yaitu : is divided into 3 (three) aspects, namely:
• Governance structure meliputi kecukupan struktur dan • Governance structure includes the adequacy of the
infrastruktur Tata Kelola Bank untuk menetapkan Bank’s Governance structure and infrastructure to
pembagian tugas dan tanggung jawab agar proses determine the division of duties and responsibilities
penerapan prinsip Tata Kelola yang baik menghasilkan so that the process of implementing good governance
hasil yang sesuai dengan harapan stakeholder. principles produces results in accordance with
stakeholder expectations.
• Governance process bertujuan untuk menilai efektivitas • Governance process aims to assess the effectiveness
proses penerapan prinsip Tata Kelola yang baik of the process of implementing good governance
didukung oleh kecukupan struktur dan infrastruktur principles supported by the adequacy of Governance
Tata Kelola sehingga menghasilkan outcome yang structures and infrastructure so as to produce outcomes
sesuai dengan harapan stakeholder. in accordance with stakeholder expectations.
• Governance outcome bertujuan untuk menilai kualitas • Governance outcome aims to assess the quality of
outcome yang memenuhi harapan stakeholder yang outcomes that meet stakeholder expectations as a
merupakan hasil penerapan prinsip Tata Kelola yang result of the application of good governance principles
baik dengan kecukupan struktur dan infrastruktur Tata with the adequacy of governance structures and
Kelola. infrastructure.
Bank menetapkan predikat penilaian terhadap implementasi The Bank determines the predicate of the assessment of the
Tata Kelola berdasarkan ketiga aspek diatas, sehingga dapat implementation of Governance based on the three aspects
diketahui kekuatan dan identifikasi permasalahan yang akan above, so as to identify the strengths and identify problems
ditindak lanjuti untuk meningkatkan penerapan Tata Kelola that will be followed up to improve the implementation of
Bank yang lebih baik sesuai dengan harapan stakeholder. better Bank Governance in accordance with stakeholder
expectations.
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164 Laporan Tahunan Terintegrasi 2024
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Rapat Umum Pemegang Saham
General Meeting of Shareholders
Rapat Umum Pemegang Saham (RUPS) merupakan forum tertinggi The General Meeting of Shareholders (GMS) is the highest
dalam struktur tata kelola Perseroan yang memiliki wewenang forum in the Company's governance structure that has the
untuk mengambil keputusan strategis bagi Bank Maspion. RUPS authority to make strategic decisions for [Name of Bank]. The
menjadi sarana bagi pemegang saham untuk menyetujui kebijakan GMS is a means for shareholders to approve key policies,
utama, mengevaluasi kinerja manajemen, dan memastikan evaluate management performance, and ensure effective
implementasi Good Corporate Governance (GCG) secara efektif. implementation of Good Corporate Governance (GCG). Every
Setiap keputusan yang dihasilkan dalam RUPS wajib mematuhi decision made at the GMS must comply with the prevailing
peraturan perundang-undangan yang berlaku serta memperhatikan laws and regulations and take into account the interests of
kepentingan seluruh pemangku kepentingan, termasuk usulan all stakeholders, including proposals from the Board of
dari Direksi, Dewan Komisaris, maupun pemegang saham. Directors, Board of Commissioners, and shareholders.
Terdapat dua jenis RUPS yang diselenggarakan, yaitu RUPS There are two types of GMS held, namely Annual GMS (AGMS)
Tahunan (RUPST) dan RUPS Luar Biasa (RUPSLB). RUPS Tahunan and Extraordinary GMS (EGMS). The Annual GMS is held once
diadakan sekali dalam setahun dengan agenda utama membahas a year with the main agenda of discussing and ratifying the
dan mengesahkan laporan tahunan, termasuk laporan keuangan, annual report, including the financial report, governance report,
laporan tata kelola, serta penilaian terhadap kinerja Dewan and assessment of the performance of the Board of Commissioners
Komisaris dan Direksi. Sementara itu, RUPSLB dapat and Board of Directors. Meanwhile, an EGMS can be held at
diselenggarakan kapan saja di luar jadwal rutin apabila terdapat any time outside the regular schedule if there are significant
keputusan signifikan yang memerlukan persetujuan pemegang decisions that require shareholder approval, such as changes
saham, seperti perubahan struktur permodalan, pengangkatan in capital structure, appointment or dismissal of members of the
atau pemberhentian anggota Dewan Komisaris dan Direksi, atau Board of Commissioners and Board of Directors, or amendments
amandemen anggaran dasar Perseroan. to the Company's articles of association.
PELAKSANAAN RUPST TAHUN PELAKSANAAN RUPST TAHUN
2024 2024
Selama tahun 2024, Bank telah menyelenggarakan 1 (satu) During 2024, the Bank has held 1 (one) Annual General Meeting
kali RUPST. RUPST dilaksanakan pada tanggal 14 Mei 2024 of Shareholders (AGMS). The AGMS was held on May 14,
pada pukul 10.22 WIB. Pelaksanaan RUPST bertempat di 2024 at 10:22 am. The AGMS was held at Pacific Century
Pacific Century Place, Function Room A level B1, Jl. Jend Place, Function Room A level B1, Jl. Jend Sudirman Kav. 52-
Sudirman Kav. 52-53, Jakarta Selatan. 53, South Jakarta.
Rapat Umum Pemegang Saham Tahunan 14 Mei 2024
Annual General Meeting of Shareholders May 14, 2024
Pemberitahuan Pengumuman Pemanggilan Pelaksanaan Hasil
Notification Announcement Invitation Meeting Resolution
28 Maret 2024 5 April 2024 22 April 2024 14 Mei 2024 16 Mei 2024
March 28, 2024 April 5, 2024 April 22, 2024 May 14, 2024 May 16, 2024
Surat Pemberitahuan Pemberitahuan melalui Pemanggilan melalui situs web Pelaksanaan • Pengumuman melalui situs web
ke OJK dan Bursa situs web Bursa Efek Bursa Efek Indonesia, situs RUPST Bursa Efek Indonesia, situs web
Efek Indonesia Indonesia, situs web web Bank (www.bankmaspion. Implementation Bank (www.bankmaspion.co.id),
Notification Letter to Bank (www.bankmaspion. co.id), dan situs web KSEI of AGMS dan situs web KSEI
OJK and Indonesia co.id), dan situs web KSEI Invitation through the • Penyampaian hasil RUPST &
Stock Exchange Notification through the Indonesia Stock Exchange RUPSLB ke OJK dan Bursa Efek
Indonesia Stock website, the Bank's website Indonesia
Exchange website, the (www.bankmaspion.co.id), and • Announcement through the
Bank's website (www. KSEI website Indonesia Stock Exchange
bankmaspion.co.id), and website, the Bank's website
KSEI website (www.bankmaspion.co.id), and
KSEI website
• Submission of AGMS & EGMS
results to OJK and Indonesia
Stock Exchange
PT Bank Maspion Indonesia Tbk
Integated Report 2024 165
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Laporan Tata Kelola Perusahaan
Good Corporate Governance Report
KEHADIRAN DEWAN KOMISARIS ATTENDANCE OF THE BOARD
DAN DIREKSI OF COMMISSIONERS AND
DIRECTORS
Dewan Komisaris Chat Luangarpa (Online)
Board of Commissioners Pardi Kendy
M. Pujiono Santoso
Diana Alim
Alan Jenviphakul
Direksi Kasemsri Charoensiddhi
Board of Directors Iis Herijati (Online)
Endah Winarni
Ivan Adrian Sumampouw
Viktor Ebenheizer Fanggidae
ACARA RUPST: HASIL KEPUTUSAN RUPST: REALISASI
AGM EVENT: THE RESULT OF THE RESOLUTION OF RUPST: REALIZATION
1. Persetujuan dan pengesahan atas Acara Pertama Telah direalisasikan
Laporan Tahunan 2023 termasuk di 1. Menyetujui dan mengesahkan Laporan Tahunan Perseroan Has been realized
dalamnya Laporan Kegiatan Perseroan, untuk tahun buku yang berakhir pada tanggal 31 Desember
Laporan Pengawasan Dewan Komisaris 2023, termasuk didalamnya Laporan Direksi mengenai Kegiatan
dan Laporan Keuangan Perseroan Usaha Perseroan, Laporan Pengawasan Dewan Komisaris dan
untuk tahun buku yang berakhir pada Laporan Keuangan tahun buku yang berakhir pada tanggal
tanggal 31 Desember 2023. 31 Desember 2023 yang telah diaudit oleh Kantor Akuntan
Approval and ratification of the 2023 Publik Tanubrata Sutanto Fahmi Bambang & Rekan sesuai
Annual Report, including the Laporan Auditor Independen No. 00126/2.1068/AU.1/07/0117-
Company's Activity Report, the Board 3/1/III/2024 tanggal 25 Maret 2024, serta memberikan pelunasan
of Commissioners Oversight Report dan pembebasan tanggung jawab sepenuhnya (acquit et de
and the Company's Financial charge) kepada Direksi dan Dewan Komisaris Perseroan atas
Statements for the financial year ended tindakan pengurusan dan pengawasan yang mereka lakukan
on December 31, 2023. dalam tahun buku yang berakhir pada tanggal 31 Desember
2023 sepanjang tindakan-tindakan tersebut tercermin dalam
Laporan Tahunan serta Laporan Keuangan tersebut serta
dokumen pendukungnya kecuali perbuatan penggelapan dan
penipuan dan lain-lain tindakan pidana.
First Event
1. Approve and ratify the Company's Annual Report for the
financial year ended December 31, 2023, including the Board
of Directors' Report on the Company's Business Activities, the
Board of Commissioners' Supervisory Report and the Financial
Report for the financial year ended December 31, 2023 which
has been audited by the Public Accounting Firm Tanubrata
Sutanto Fahmi Bambang & Partners in accordance with the
Independent Auditor's Report No. 00126/2.1068/AU.1/07/0117-
3/1/III/2024 dated March 25, 2024, as well as granting full
release and discharge (acquit et de charge) to the Board of
Directors and the Board of Commissioners of the Company
for their management and supervisory actions in the financial
year ended December 31, 2023 to the extent that such actions
are reflected in the Annual Report and Financial Statements
and their supporting documents except for embezzlement
and fraud and other criminal acts.
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166 Laporan Tahunan Terintegrasi 2024
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ACARA RUPST: HASIL KEPUTUSAN RUPST: REALISASI
AGM EVENT: THE RESULT OF THE RESOLUTION OF RUPST: REALIZATION
2. Penetapan penggunaan laba Perseroan Acara Kedua Telah direalisasikan
untuk tahun buku yang berakhir pada 2. Menyetujui; Has been realized
tanggal 31 Desember 2023. • Menyetujui penggunaan laba bersih Perseroan sebesar
Determination on the use of the 4,74% (Empat Koma Tujuh Puluh Empat) dari Laba Bersih
Company's profit for the financial year atau kurang lebih Rp 3.000.000.000 (Tiga Miliar Rupiah)
ending on December 31, 2023. disisihkan untuk dana cadangan guna memenuhi Pasal
70 Undang-Undang Perseroan Terbatas.
• Sisanya sebesar Rp 60.253.409.804 (Enam Puluh Miliar
Dua Ratus Lima Puluh Tiga Juta Empat Ratus Sembilan
Ribu Delapan Ratus Empat Rupiah) dibukukan sebagai
laba ditahan.
Second Event
2. Approved;
• Approved the use of the Company's net profit of 4.74%
(Four Point Seventy Four) of Net Profit or approximately
Rp 3,000,000,000 (Three Billion Rupiah) to be set aside
for reserve funds to fulfill Article 70 of the Limited Liability
Company Law.
• The remaining Rp 60,253,409,804 (Sixty Billion Two
Hundred Fifty Three Million Four Hundred Nine Thousand
Eight Hundred Four Rupiah) was recorded as retained
earnings.
3. Penunjukan Akuntan Publik dan/atau Acara Ketiga Telah direalisasikan
Kantor Akuntan Publik untuk mengaudit 3. Menyetujui memberikan wewenang kepada Dewan Komisaris Has been realized
Laporan Keuangan Perseroan untuk Perseroan untuk menunjuk Kantor Akuntan Publik dan Akuntan
tahun buku yang berakhir pada tanggal Publik Terdaftar yang akan mengaudit Laporan Keuangan
31 Desember 2024, dan pemberian Perseroan untuk tahun buku yang berakhir pada tanggal 31
wewenang untuk menetapkan jumlah Desember 2024, serta menetapkan besarnya honorarium dan
honorarium serta persyaratan lain persyaratan lainnya terkait penunjukan tersebut dengan
penunjukkannya. memperhatikan rekomendasi Komite Audit dan peraturan
Election of a Public Accountant and/ perundang-undangan yang berlaku, dikarenakan masih
or Public Accounting Firm to audit the memerlukan waktu untuk mempertimbangkan dan menunjuk
Company's Financial Statements for Kantor Akuntan Publik dan Akuntan Publik terdaftar. Kriteria
the financial year ending December minimal yang diusulkan dalam penunjukan Kantor Akuntan
31, 2024, and authorization to Publik dan Akuntan Publik terdaftar adalah sebagai berikut:
determine the honorarium and other • Kantor Akuntan Publik dan Akuntan Publik yang terdaftar
terms of appointment. di Otoritas Jasa Keuangan
• Memiliki pengalaman dalam melakukan audit terhadap
institusi keuangan khususnya perbankan
• Profesional dalam menjalankan tugasnya sebagaimana
kelaziman yang berlaku umum.
Third Event
3. Approved to authorize the Company's Board of Commissioners
to appoint a Public Accounting Firm and Registered Public
Accountant to audit the company's Financial Statements for
the financial year ending December 31, 2024, as well as
determine the amount of honorarium and other requirements
related to the appointment by taking into account the
recommendations of the Audit Committee and applicable
laws and regulations, because it still requires time to consider
and appoint the Public Accounting Firm and Registered Public
Accountant. The minimum criteria proposed in the appointment
of the Public Accounting Firm and the registered Public
Accountant are as follows:
• Public Accounting Firm and Public Accountant registered
with the Financial Services Authority
• Have experience in conducting audits of financial institutions,
especially banks
• Professional in carrying out their duties in accordance
with generally accepted norms.
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Laporan Tata Kelola Perusahaan
Good Corporate Governance Report
ACARA RUPST: HASIL KEPUTUSAN RUPST: REALISASI
AGM EVENT: THE RESULT OF THE RESOLUTION OF RUPST: REALIZATION
4. Penetapan gaji atau honorarium serta Acara Keempat Telah direalisasikan
tunjangan lain kepada anggota Direksi 4. Menyetujui dan melimpahkan kewenangan kepada Pemegang Has been realized
dan Dewan Komisaris Perseroan. Saham Pengendali Perseroan untuk menetapkan besarnya
Determination of salary or honorarium gaji dan honorarium serta tunjangan lain yang akan dibayarkan
and other benefits for Board members. oleh Perseroan kepada para anggota Direksi dan Dewan
Komisaris berdasarkan Surat Pengajuan tertulis untuk dikoreksi
atau disetujui serta ditandatangani oleh Pemegang Saham
Pengendali dengan memperhatikan rekomendasi dari Komite
Remunerasi dan Nominasi.
Fourth Event
4. Approve and delegate authority to the Controlling Shareholders
of the Company to determine the amount of salary and
honorarium and other benefits to be paid by the Company to
members of the Board of Directors and Board of Commissioners
based on a written submission letter to be corrected or
approved and signed by the Controlling Shareholders by
taking into account the recommendations of the Remuneration
and Nomination Committee.
5. Laporan Realisasi penggunaan dana Acara Kelima Telah direalisasikan
hasil Penambahan Modal dengan 5. Menyetujui menerima baik laporan realisasi penggunaan Has been realized
memberikan Hak Memesan Efek dana hasil Penambahan Modal dengan memberikan Hak
Terlebih Dahulu II (“PMHMETD II”) per Memesan Efek Terlebih Dahulu II ("PMHMETD II").
31 Desember 2023.
Realization Report on the use of Fifth Event
proceeds from the Capital Increase 5. Approved the report on the realization of the use of
with Pre-emptive Rights II ("PMHMETD proceeds from the Capital Increase with Pre-emptive Rights
II") as of December 31, 2023. II ("PMHMETD II").
6. Laporan Realisasi penggunaan dana Acara Keenam Telah direalisasikan
hasil Penambahan Modal dengan 6. Menyetujui menerima baik laporan realisasi penggunaan dana Has been realized
memberikan Hak Memesan Efek hasil Penambahan Modal dengan memberikan Hak Memesan
Terlebih Dahulu II (“PMHMETD III”) Efek Terlebih Dahulu III ("PMHMETD III").
per 31 Desember 2023.
Report on the Realization of the use Sixth Event
of proceeds from Capital Increase 6. Approved the report on the realization of the use of proceeds
with Pre-emptive Rights II ("PMHMETD from the Capital Increase with Pre-emptive Rights III ("PMHMETD
III") as of December 31, 2023. III").
PELAKSANAAN RUPST DAN PELAKSANAAN RUPST DAN
RUPSLB TAHUN 2023 RUPSLB TAHUN 2023
Selama tahun 2023, Bank telah menyelenggarakan 1 (satu) During 2023, the Bank held 1 (one) Annual General Meeting
kali RUPST dan 1 (satu) kali RUPSLB. RUPST dilaksanakan of Shareholders (AGMS) and 1 (one) Extraordinary General
pada tanggal 15 Juni 2023 pada pukul 09.56 WIB dan RUPSLB Meeting of Shareholders (EGMS). The AGMS was held on
dilaksanakan pada tanggal 15 Juni 2023 pada pukul 11.05 June 15, 2023 at 09.56 WIB and the EGMS was held on June
WIB. Pelaksanaan RUPST dan RUPSLB bertempat di Bank 15, 2023 at 11.05 WIB. The implementation of the AGMS and
Maspion (Kantor Pusat), Jalan Basuki Rahmat No.50-54, EGMS took place at Bank Maspion (Head Office), Jalan Basuki
Surabaya. Rahmat No.50-54, Surabaya.
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Rapat Umum Pemegang Saham Tahunan dan Rapat Umum Pemegang Saham Luar Biasa 15 Juni 2023
Annual General Meeting of Shareholders and Extraordinary General Meeting of Shareholders June 15, 2023
Pemberitahuan Pengumuman Pemanggilan Pelaksanaan Hasil
Notification Announcement Invitation Meeting Resolution
2 Mei 2023 9 Mei 2023 24 Mei 2023 15 Juni 2023 19 Juni 2023
Mei 2, 2023 Mei 9, 2023 Mei 24, 2023 Juni 15, 2023 Juni 19, 2023
Surat Pemberitahuan melalui situs Pemanggilan melalui situs web Pelaksanaan • Pengumuman melalui situs web
Pemberitahuan web Bursa Efek Indonesia, Bursa Efek Indonesia, situs web RUPST dan Bursa Efek Indonesia, situs web
ke OJK dan situs web Bank (www. Bank (www.bankmaspion.co.id), RUPSLB Bank (www.bankmaspion.co.id),
Bursa Efek bankmaspion.co.id), dan dan situs web KSEI Implementation dan situs web KSEI
Indonesia situs web KSEI Invitation through the Indonesia of AGMS and • Penyampaian hasil RUPST &
Notification Notification through the Stock Exchange website, the EGMS RUPSLB ke OJK dan Bursa Efek
Letter to OJK and Indonesia Stock Exchange Bank's website (www. Indonesia
Indonesia Stock website, the Bank's website bankmaspion.co.id), and KSEI • Announcement through the
Exchange (www.bankmaspion.co.id), website Indonesia Stock Exchange
and KSEI website website, the Bank's website
(www.bankmaspion.co.id), and
KSEI website
• Submission of AGMS & EGMS
results to OJK and Indonesia
Stock Exchange
KEHADIRAN DEWAN KOMISARIS ATTENDANCE OF THE BOARD
DAN DIREKSI OF COMMISSIONERS AND
DIRECTORS
Dewan Komisaris Chat Luangarpa
Board of Commissioners Pardi Kendy
M. Pujiono Santoso
Diana Alim
Alan Jenviphakul
Direksi Kasemsri Charoensiddhi
Board of Directors Iis Herijati
Endah Winarni
Ivan Adrian Sumampouw
Viktor Ebenheizer Fanggidae
ACARA RUPST: HASIL KEPUTUSAN RUPST: REALISASI
AGM EVENT: THE RESULT OF THE RESOLUTION OF RUPST: REALIZATION
1. Persetujuan dan pengesahan atas Laporan Acara Pertama Telah direalisasikan
Tahunan 2022 termasuk di dalamnya Menyetujui dan mengesahkan Laporan Tahunan Perseroan Has been realized
Laporan Kegiatan Perseroan, Laporan untuk tahun buku yang berakhir pada tanggal 31 Desember
Pengawasan Dewan Komisaris dan 2022, termasuk didalamnya Laporan Direksi mengenai
Laporan Keuangan Perseroan untuk tahun Kegiatan Usaha Perseroan, LaporanPengawasan Dewan
buku yang berakhir pada tanggal 31 Komisaris dan Laporan Keuangan tahun buku yang berakhir
Desember 2022. pada tanggal 31 Desember 2022 yang telah diaudit oleh
Approval and ratification of the 2022 Kantor Akuntan Publik Tanubrata Sutanto Fahmi Bambang
Annual Report including the Company's & Rekan sesuai Laporan Auditor Independen No.
Activity Report, the Board of Commissioners 00213/2.1068/AU.1/07/0117-3/1/III/2023 tanggal 30 Maret
Oversight Report and the Company's 2023, serta memberikan pelunasan dan pembebasan
Financial Statements for the financial tanggung jawab sepenuhnya (acquit et de charge) kepada
year ended December 31, 2022. Direksi dan Dewan Komisaris Perseroan atas tindakan
pengurusan dan pengawasan yang mereka lakukan dalam
tahun buku yang berakhir pada tanggal 31 Desember 2022
sepanjang tindakan-tindakan tersebut tercermin dalam
Laporan Tahunan serta Laporan Keuangan tersebut serta
dokumen pendukungnya kecuali perbuatan penggelapan
dan penipuan dan lain-lain tindakan pidana.
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ACARA RUPST: HASIL KEPUTUSAN RUPST: REALISASI
AGM EVENT: THE RESULT OF THE RESOLUTION OF RUPST: REALIZATION
First Event
Approve and ratify the Company's Annual Report for the
financial year ended on December 31, 2022, including the
Board of Directors' Report on the Company's Business
Activities, the Board of Commissioners' Supervisory Report
and the Financial Statements for the financial year ended
on December 31, 2022 which have been audited by the
Public Accountintg Firm Tanubrata Sutanto Fahmi Bambang
& Partners in accordance with the Independent Auditor's
Report No. 00213/2.1068/AU.1/07/0117-3/1/III/2023 dated
March 30, 2023, as well as granting full release and
discharge (acquit et de charge) to the Board of Directors
and the Board of Commissioners of the Company for their
management and supervisory actions carried out in the
financial year ended December 31, 2022 to the extent that
such actions are reflected in the Annual Report and Financial
Statements and its supporting documents except for
embezzlement and fraud and other criminal acts.
2. Penetapan penggunaan laba Perseroan Acara Kedua Telah direalisasikan
untuk tahun buku yang berakhir pada Menyetujui penggunaan laba bersih Perseroan tahun buku Has been realized
tanggal 31 Desember 2022. yang berakhir pada tanggal 31 Desember 2022 yaitu sebesar
Determination of the use of the Company's Rp 114.940.963.515,00 (Seratus Empat Belas Miliar Sembilan
profit for the financial year ending Ratus Empat Puluh Juta Sembilan Ratus Enam Puluh Tiga
December 31, 2022. Ribu Lima Ratus Lima Belas Rupiah) yang akan dimasukkan
untuk menambah cadangan umum dan sisanya akan
dibukukan sebagai laba ditahan, untuk menambah modal
Perseroan.
Second Event
Approve the use of the Company's net profit for the financial
year ended December 31, 2022 amounting to Rp
114,940,963,515.00 (One Hundred Fourteen Billion Nine
Hundred Forty Million Nine Hundred Sixty Three Thousand
Five Hundred Fifteen Rupiah) which will be included to
increase the general reserve and the rest will be recorded
as retained earnings, to increase the Company's capital.
3. Penunjukan Akuntan Publik dan/atau Acara Ketiga Telah direalisasikan
Kantor Akuntan Publik untuk mengaudit Memberikan wewenang kepada Dewan Komisaris Perseroan Has been realized
Laporan Keuangan Perseroan untuk tahun untuk menunjuk Kantor Akuntan Publik dan Akuntan Publik
buku yang berakhir pada tanggal 31 Terdaftar yang akan mengaudit laporan keuangan Perseroan
Desember 2023, dan pemberian untuk tahun buku yang berakhir pada tanggal 31 Desember
wewenang untuk menetapkan jumlah 2023, serta menetapkan besarnya honorarium dan
honorarium serta persyaratan lain persyaratan lainnya terkait penunjukan tersebut dengan
penunjukkannya. memperhatikan rekomendasi Komite Audit dan peraturan
Appointment of a Public Accountant and/ perundang - undangan yang berlaku, dikarenakan masih
or Public Accounting Firm to audit the memerlukan waktu untuk mempertimbangkan dan menunjuk
Company's Financial Statements for the Kantor Akuntan Publik dan Akuntan Publik terdaftar. Kriteria
financial year ending on December 31, minimal yang diusulkan dalam penunjukan Kantor Akuntan
2023, and authorization to determine the Publik dan Akuntan Publik terdaftar adalah sebagai berikut:
honorarium amount and other terms of a. Kantor Akuntan Publik dan Akuntan Publik yang
appointment. terdaftar di Otoritas Jasa Keuangan;
b. Memiliki pengalaman dalam melakukan audit
terhadap institusi keuangan khususnya perbankan;
c. Profesional dalam menjalankan tugasnya
sebagaimana kelaziman yang berlaku umum.
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ACARA RUPST: HASIL KEPUTUSAN RUPST: REALISASI
AGM EVENT: THE RESULT OF THE RESOLUTION OF RUPST: REALIZATION
Third Event
To authorize the Board of Commissioners of the Company
to appoint a Public Accounting Firm and a Registered Public
Accountant to audit the Company's financial statements
for the financial year ending December 31, 2023, as well
as determine the amount of honorarium and other
requirements related to the appointment by taking into
account the recommendations of the Audit Committee and
applicable laws and regulations, as it still requires time to
consider and appoint the Public Accounting Firm and
Registered Public Accountant. The minimum criteria proposed
in the appointment of the Public Accounting Firm and the
registered Public Accountant are as follows:
a. Public Accounting Firm and Public Accountant
registered with the Financial Services Authority;
b. Have experience in conducting audits of financial
institutions, especially banking;
c. Professional in carrying out their duties in accordance
with generally accepted practices.
4. Penetapan gaji atau honorarium serta Acara Keempat Telah direalisasikan
tunjangan lain kepada anggota Direksi Menyetujui dan melimpahkan wewenangan kepada Has been realized
dan Dewan Komisaris Perseroan. Pemegang Saham Pengendali Perseroan untuk menetapkan
Determination of salary or honorarium besarnya gaji atau honorarium serta tunjangan lain yang
and other benefits to Board members. akan dibayarkan oleh Perseroan kepada para anggota
Direksi dan Dewan Komisaris berdasarkan Surat Pengajuan
tertulis untuk dikoreksi atau disetujui serta ditandatangani
oleh Pemegang Saham Pengendali dengan memperhatikan
rekomendasi dari Komite Remunerasi dan Nominasi.
Fourth Event
Approve and delegate authority to the Controlling
Shareholders of the Company to determine the amount of
salary or honorarium and other benefits to be paid by the
Company to members of the Board of Directors and Board
of Commissioners based on a written submission letter to
be corrected or approved and signed by the Controlling
Shareholders by taking into account the recommendations
of the Remuneration and Nomination Committee.
5. Laporan Realisasi penggunaan dana hasil Acara Kelima Telah direalisasikan
Penambahan Modal dengan memberikan Menerima baik laporan realisasi penggunaan dana hasil Has been realized
Hak Memesan Efek Terlebih Dahulu II Penambahan Modal dengan memberikan Hak Memesan
(“PMHMETD II”) per 31 Desember 2022. Efek Terlebih Dahulu II (“PMHMETD II”).
Report on the Realization of the use of
proceeds from Capital Increase with Fifth Event
Pre-emptive Rights II ("PMHMETD II") as Accepted the report on the realization of the use of proceeds
of December 31, 2022. from the Capital Increase with Pre-emptive Rights II
("PMHMETD II").
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ACARA RUPSLB: HASIL KEPUTUSAN RUPSLB: REALISASI
EGM EVENT: RESOLUTION OF THE RUPSLB: REALIZATION
1. Persetujuan atas peningkatan modal Acara Pertama Telah direalisasikan
dasar Perseroan dan perubahan Pasal a. Menyetujui dan meningkatkan modal dasar Perseroan Has been realized
4 ayat 1 Anggaran Dasar Perseroan serta semula sebesar Rp3.400.000.000.000,00 (tiga triliun empat
pemberian kuasa dan wewenang kepada ratus miliar Rupiah) menjadi sebesar Rp7.200.000.000.000,00
Direksi Perseroan dengan hak substitusi (tujuh triliun dua ratus miliar Rupiah), serta merubah pasal
untuk melaksanakan segala tindakan 4 ayat 1 Anggaran Dasar Perseroan sebagaimana telah
yang diperlukan sehubungan dengan dijelaskan dalam Rapat.
peningkatan modal dasar tersebut. b. Menyetujui untuk memberikan wewenang dan kuasa kepada
Approval of the increase in the Company's Direksi Perseroan, baik sendiri-sendiri maupun bersama-
authorized capital and amendment to sama dengan hak substitusi untuk melakukan segala dan
Article 4 paragraph 1 of the Company's setiap tindakan yang diperlukan sehubungan dengan
Articles of Association, and to grant keputusan tersebut, termasuk tetapi tidak terbatas untuk
power and authority to the Board of menyatakan/menuangkan keputusan tersebut dalam akta-
Directors of the Company with the right akta yang dibuat dihadapan Notaris, untuk mengubah dan/
of substitution to carry out all necessary atau menyusun kembali ketentuan Pasal 4 ayat 1 Anggaran
actions related to the increase in Dasar Perseroan atau Pasal 4 Anggaran Dasar Perseroan
authorized capital. secara keseluruhan 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 Perseroan dalam
keputusan Rapat ini kepada instansi yang berwenang, serta
melakukan semua dan setiap tindakan yang diperlukan
sesuai dengan peraturan perundang-undangan yang
berlaku.
First Event
a. To approve and increase the authorized capital of the
Company from Rp3,400,000,000,000.00 (three trillion
four hundred billion Rupiah) to Rp7,200,000,000,000.00
(seven trillion two hundred billion Rupiah), and to amend
article 4 paragraph 1 of the Company's Articles of Association
as explained in the Meeting.
b. Approved to grant authority and power to the Board of
Directors of the Company, either individually or jointly with
the right of substitution to take any and all necessary
actions in connection with the resolution, including but not
limited to stating / pouring the decision in deeds made
before a Notary, to amend and/or rearrange the provisions
of Article 4 paragraph 1 of the Company's Articles of
Association or Article 4 of the Company's Articles of
Association as a whole in accordance with such resolutions
as required by and in accordance with the prevailing laws
and regulations, and further to apply for approval and/or
submit notification of the resolutions of this Meeting and/
or the amendments to the Company's Articles of Association
in this Meeting resolution to the competent authorities,
and to take all and any necessary actions in accordance
with the prevailing laws and regulations.
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ACARA RUPSLB: HASIL KEPUTUSAN RUPSLB: REALISASI
EGM EVENT: RESOLUTION OF THE RUPSLB: REALIZATION
2. Persetujuan atas rencana penambahan Acara Kedua Telah direalisasikan
modal dengan memberikan Hak Memesan Menyetujui penambahan modal Perseroan, dengan mengeluarkan Telah direalisasikan
Efek Terlebih Dahulu III kepada para saham baru dari portepel dalam jumlah sebanyak-banyaknya
pemegang saham yang akan dilakukan 12.500.000.000 (dua belas miliar lima ratus juta) saham dengan
oleh Perseroan (“PMHMETD III”), dengan nilai nominal Rp 100,00 (seratus rupiah) per saham, dengan
demikian mengubah Pasal 4 ayat 2 menerbitkan Hak Memesan Efek Terlebih Dahulu dalam rangka
Anggaran Dasar Perseroan, termasuk Penambahan Modal dengan memberikan Hak Memesan Efek
persetujuan pelimpahan kewenangan Terlebih Dahulu ("PMHMETD"), dengan memperhatikan peraturan
dengan memberikan kuasa kepada perundang-undangan yang berlaku dan peraturan yang berlaku
Direksi Perseroan untuk melaksanakan di Pasar Modal, khususnya Peraturan Otoritas Jasa Keuangan
segala tindakan yang dianggap perlu Nomor 32/POJK.04/2015 tentang Penambahan Modal Perusahaan
untuk melaksanakan PMHMETD tersebut, Terbuka dengan memberikan Hak Memesan Efek Terlebih
termasuk tetapi tidak terbatas pada Dahulu sebagaimana diubah dengan Peraturan Otoritas Jasa
mencatatkan saham yang diterbitkan Keuangan Nomor 14/POJK.04/2019 Tentang Perubahan Atas
dalam PMHMETD pada Bursa Efek Peraturan Otoritas Jasa Keuangan Nomor 32/POJK.04/2015
Indonesia, menetapkan kepastian jumlah Tentang Penambahan Modal Perusahaan Terbuka dengan
saham yang diterbitkan dengan memberikan Hak Memesan Efek Terlebih Dahulu, termasuk :
persetujuan Dewan Komisaris Perseroan, a. Menyetujui dan merubah ketentuan Anggaran Dasar
maupun syarat dan ketentuan PMHMETD Perseroan sehubungan dengan peningkatan modal
lainnya, serta untuk menyatakan/ ditempatkan dan modal disetor Perseroan dalam rangka
menuangkan dalam akta notaris tersendiri Penambahan Modal dengan memberikan Hak Memesan
mengenai perubahan Anggaran Dasar Efek Terlebih Dahulu;
Perseroan akibat peningkatan modal b. Memberikan wewenang dan kepada Direksi Perseroan
ditempatkan dan disetor Perseroan dalam untuk melaksanakan tindakan-tindakan yang diperlukan
rangka PMHMETD. sehubungan dengan PMHMETD, yang mencakup:
i. Menetapkan realisasi jumlah saham yang akan
dikeluarkan dengan persetujuan Dewan Komisaris
Perseroan;
ii. Menetapkan rasio Hak Memesan Efek Terlebih Dahulu
(HMETD);
iii. Menetapkan harga pelaksanaan HMETD;
iv. Menetapkan jadwal PMHMETD;
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ACARA RUPSLB: HASIL KEPUTUSAN RUPSLB: REALISASI
EGM EVENT: RESOLUTION OF THE RUPSLB: REALIZATION
v. Memberikan kuasa dan kewenangan kepada Dewan
Komisaris dan/atau Direksi Perseroan, dengan hak
substitusi, untuk menyatakan jumlah saham yang
dikeluarkan dan perubahan anggaran dasar Perseroan
akibat PMHMETD sesuai dengan ketentuan Anggaran
Dasar Perseroan dan peraturan yang berlaku di bidang
Pasar Modal, serta untuk melakukan semua dan setiap
tindakan yang diperlukan sehubungan dengan
PMHMETD, termasuk tetapi tidak terbatas untuk:
vi. Melakukan semua dan setiap tindakan yang diperlukan
sehubungan dengan PMHMETD, tanpa ada suatu
tindakanpun yang dikecualikan, kesemuanya dengan
memperhatikan ketentuan peraturan perundang-
undangan yang berlaku dan peraturan yang berlaku
di Pasar Modal;
vii. Menyatakan/menuangkan keputusan tersebut dalam
akta-akta yang dibuat dihadapan Notaris, untuk merubah
dan/atau menyusun kembali ketentuan Pasal 4 ayat 2
Anggaran Dasar Perseroan atau Pasal 4 Anggaran
Dasar Perseroan secara keseluruhan sesuai keputusan
tersebut (termasuk menegaskan susunan pemegang
saham dalam akta tersebut bilamana diperlukan),
sebagaimana yang disyaratkan oleh serta sesuai dengan
ketentuan perundang-undangan yang berlaku, yang
selanjutnya untuk mengajukan permohonan kepada
pihak/pejabat yang berwenang, untuk memperoleh
persetujuan dan/atau menyampaikan pemberitahuan
atas keputusan Rapat ini dan/atau perubahan Anggaran
Dasar Perseroan dalam keputusan Rapat ini, serta
melakukan semua dan setiap tindakan yang diperlukan,
sesuai dengan peraturan perundang-undangan yang
berlaku.
Approval of the capital increase plan by Second Event
providing Pre-emptive Rights III to the Approved the capital increase of the Company, by issuing new
shareholders to be carried out by the shares from the portepel in a maximum amount of 12,500,000,000
Company ("PMHMETD III"), thereby (twelve billion five hundred million) shares with a nominal value
amending Article 4 paragraph 2 of the of Rp 100.00 (one hundred rupiah) per share, by issuing Pre-
Company's Articles of Association, emptive Rights in the framework of Capital Increase by granting
including approval of the delegation of Pre-emptive Rights ("PMHMETD"), with due observance of the
authority by authorizing the Board of prevailing laws and regulations applicable in the Capital Market,
Directors of the Company to carry out in particular the Financial Services Authority Regulation Number
all actions deemed necessary to 32/POJK.04/2015 regarding Capital Increase of Public Companies
implement the PMHMETD, including but by granting Pre-emptive Rights as amended by Financial
not limited to listing the shares issued Services Authority Regulation Number 14/POJK.04/2019 regarding
in the PMHMETD on the Indonesia Stock Amendments to Financial Services Authority Regulation Number
Exchange, determining the certainty of 32/POJK.04/2015 regarding Capital Increase of Public Companies
the number of shares issued with the by granting Pre-emptive Rights, including:
approval of the Company's Board of a. Approve and amend the provisions of the Company's
Commissioners, as well as other terms Articles of Association in relation to the increase in issued
and conditions of the PMHMETD, and and paid-up capital of the Company in the context of
to state/pour in a separate notarial deed Capital Increase by granting Pre-emptive Rights;
the amendments to the Company's b. To authorize the Board of Directors of the Company to
Articles of Association due to the increase carry out the necessary actions in connection with the
in the Company's issued and paid-up PMHMETD, which include:
capital in the PMHMETD. i. Determine the realization of the number of shares to
be issued with the approval of the Company's Board
of Commissioners;
ii. Determining the ratio of Pre-emptive Rights;
iii. Determine the exercise price of the Pre-emptive Rights;
iv. Determine the schedule of PMHMETD;
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v. To grant power and authority to the Board of
Commissioners and/or the Board of Directors of the
Company, with the right of substitution, to declare the
number of shares issued and changes in the Company's
articles of association due to PMHMETD in accordance
with the provisions of the Company's Articles of
Association and applicable regulations in the Capital
Market sector, as well as to take all and any necessary
actions in connection with PMHMETD, including but
not limited to:
vi. Perform all and every action required in connection
with the PMHMETD, without any action being excluded,
all with due observance of the provisions of the prevailing
laws and regulations and the prevailing regulations in
the Capital Market;
vii. To state/pour the resolution in deeds made before a
Notary, to amend and/or rearrange the provisions of
Article 4 paragraph 2 of the Company's Articles of
Association or Article 4 of the Company's Articles of
Association as a whole in accordance with the resolution
(including confirming the composition of the shareholders
in the deed if necessary), as required by and in
accordance with the prevailing laws and regulations,
and subsequently to submit an application to the
authorized party/official, to obtain approval and/or to
submit notification of the resolution of this Meeting
and/or the amendment of the Company's Articles of
Association in this Meeting resolution, and to take all
and any necessary actions, in accordance with the
prevailing laws and regulations.
Seluruh keputusan RUPST dan RUPSLB pada tahun 2023 All resolutions of the AGMS and EGMS in 2023 have been
telah direalisasikan sepenuhnya dan tidak terdapat keputusan fully realized and there are no unrealized resolutions.
yang belum direalisasikan.
Dewan Komisaris
Board of Commissioners [OJK E.1][GRI 2-11]
Dewan Komisaris merupakan organ utama yang memiliki tugas The Board of Commissioners is the main organ that has the
untuk mengawasi kebijakan pengelolaan serta jalannya task of overseeing the management policies and operations
operasional Perseroan yang dijalankan oleh Direksi, sekaligus of the Company carried out by the Board of Directors, as well
memberikan nasihat guna mendukung kepentingan Perseroan as providing advice to support the interests of the Company
sesuai dengan visi dan misinya. Sebagai bagian dari implementasi in accordance with its vision and mission. As part of the
Tata Kelola Perusahaan yang mengacu pada Anggaran Dasar, implementation of Corporate Governance that refers to the
Dewan Komisaris menjalankan tugas dan tanggung jawabnya Articles of Association, the Board of Commissioners carries
secara independen untuk mencegah terjadinya benturan out its duties and responsibilities independently to prevent
kepentingan (conflict of interest) dan memastikan kepatuhan conflicts of interest and ensure the Company's compliance
Perseroan terhadap seluruh ketentuan hukum dan peraturan with all applicable laws and regulations. The process of
yang berlaku. Proses pengangkatan dan pemberhentian anggota appointment and dismissal of members of the Board of
Dewan Komisaris dilakukan melalui mekanisme RUPS, di mana Commissioners is carried out through the GMS mechanism,
Dewan Komisaris menyampaikan laporan pertanggungjawaban where the Board of Commissioners submits an accountability
atas pelaksanaan tugasnya dalam forum tersebut. report on the implementation of its duties in the forum.
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PIAGAM DEWAN KOMISARIS BOARD OF COMMISSIONERS
CHARTER
Perseroan telah memiliki pedoman dan tata tertib kerja Dewan The Company has established guidelines and work rules for
Komisaris sebagaimana yang tertuang dalam Piagam Dewan the Board of Commissioners as set out in the BOC Charter.
Komisaris (BOC Charter). BOC Charter berfungsi sebagai The BOC Charter serves as a guide for the implementation
panduan pelaksanaan tugas, tanggung jawab dan wewenang of the duties, responsibilities and authorities of the Board of
Dewan Komisaris yang disusun dengan mengacu pada Anggaran Commissioners, which is prepared with reference to the
Dasar Perseroan, peraturan perundang-undangan yang berlaku, Company’s Articles of Association, prevailing laws and
serta praktik-praktik tata kelola yang baik. regulations, and good governance practices.
TUGAS DAN TANGGUNG JAWAB DUTIES AND RESPONSIBILITIES
DEWAN KOMISARIS OF THE BOARD OF
COMMISSIONERS
Tugas dan tanggung jawab Dewan Komisaris antara lain The duties and responsibilities of the Board of Commissioners
mencakup: include:
1. Memastikan Direksi dalam melaksanakan tugasnya 1. Ensure that the Board of Directors in carrying out its
telah memperhatikan kepentingan stakeholders; duties has taken into account the interests of
stakeholders;
2. Tidak terlibat dalam pengambilan keputusan kegiatan 2. Not involved in decision making of the Bank’s operational
operasional Bank, kecuali dalam penyediaan dana activities, except in the provision of funds to related
kepada pihak terkait dan penyediaan dana sebagaimana parties and the provision of funds as stipulated in the
diatur dalam mengenai Batas Maksimum Pemberian Maximum Lending Limit of Commercial Banks and
Kredit (BMPK) Bank Umum dan hal-hal lain yang other matters stipulated in the Articles of Association
ditetapkan dalam Anggaran Dasar atau peraturan or applicable laws and regulations;
perundangan yang berlaku;
3. Melakukan pengawasan terhadap efektivitas penerapan 3. Supervise the effectiveness of the Bank’s risk
manajemen risiko dan pengendalian internal Bank; management and internal control implementation;
4. Memastikan tata kelola yang baik diterapkan dalam 4. Ensure good governance is implemented in every
setiap kegiatan usaha Bank pada seluruh tingkatan business activity of the Bank at all levels of the
atau jenjang organisasi serta melakukan evaluasi organization and evaluate the Bank’s governance
terhadap kebjakan tata kelola Bank; policies;
5. Dalam kondisi tertentu, Dewan Komisaris wajib 5. In certain conditions, the Board of Commissioners is
menyelenggarakan RUPST dan RUPS lainnya sesuai obliged to organize the AGMS and other GMS in
dengan kewenangannya sebagaimana diatur dalam accordance with its authority as stipulated in the
peraturan yang berlaku dan Anggaran Dasar Bank; applicable regulations and the Bank’s Articles of
Association;
6. Melaksanakan pengawasan terhadap pelaksanaan 6. Supervise the implementation of the duties and
tugas dan tanggung jawab Direksi melalui pemberian responsibilities of the Board of Directors by providing
arahan, pemantauan serta evaluasi terhadap direction, monitoring and evaluating the implementation
pelaksanaan kebijakan strategis Bank. Pengawasan of the Bank’s strategic policies. Supervision is carried
dilaksanakan antara lain melalui rapat koordinasi out, among others, through coordination meetings
dengan Direksi atau secara off site melalui laporan- with the Board of Directors or off site through reports
laporan yang disampaikan Komite Audit, Komite submitted by the Audit Committee, Risk Monitoring
Pemantau Risiko, Komite Remunerasi dan Nominasi, Committee, Remuneration and Nomination Committee,
Direktur Kepatuhan, Satuan Kerja Audit Internal, Satuan Compliance Director, Internal Audit Work Unit, Risk
Kerja Manajemen Risiko, dan laporan lainnya; Management Work Unit, and other reports;
7. Dewan Komisaris telah membentuk Komite Audit, 7. The Board of Commissioners has established the Audit
Komite Pemantau Risiko, Komite Remunerasi dan Committee, Risk Monitoring Committee, Remuneration
Nominasi yang tugas dan tanggung jawabnya akan and Nomination Committee whose duties and
diuraikan secara khusus dalam laporan ini. Pengangkatan responsibilities will be specifically described in this
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anggota Komite dilakukan oleh Direksi berdasarkan report. The appointment of Committee members is
keputusan Rapat Dewan Komisaris; made by the Board of Directors based on the decision
of the Board of Commissioners Meeting;
8. Melakukan pengawasan terhadap fungsi kepatuhan 8. Supervise the compliance function and provide
dan memberikan saran-saran dalam rangka peningkatan suggestions in order to improve the quality of the
kualitas pelaksanaan fungsi kepatuhan kepada Direktur implementation of the compliance function to the
Utama; President Director
9. Memastikan bahwa Direksi telah menindaklanjuti 9. Ensure that the Board of Directors has followed up on
temuan audit dan rekomendasi dari Satuan Kerja Audit audit findings and recommendations from the Bank’s
Intern Bank, auditor ekstern serta hasil pengawasan Internal Audit Unit, external auditors and the results
Otoritas Jasa Keuangan dan/atau hasil pengawasan of the supervision of the Financial Services Authority
otoritas lain; and/or the results of supervision of other authorities;
10. Memberikan persetujuan terhadap RBB dan Rencana 10. To approve the RBB and Sustainable Finance Action
Aksi Keuangan Berkelanjutan (RAKB) yang sudah Plan (RAKB) as prepared by the Board of Directors;
disusun oleh Direksi;
11. Wajib melaporkan kepada Otoritas Jasa Keuangan 11. Must report to the Financial Services Authority no later
paling lambat 5 (lima) hari kerja sejak ditemukannya: than 5 (five) working days from the discovery of: (a)
(a) pelanggaran ketentuan peraturan perundang- violation of statutory provisions in the fields of finance,
undangan di bidang keuangan, perbankan, dan yang banking, and those related to the Bank's business
terkait dengan kegiatan usaha Bank; dan/atau (b) activities; (b) circumstances or estimates of circumstances
keadaan atau perkiraan keadaan yang dapat that may jeopardize the Bank’s business continuity;
membahayakan kelangsungan usaha Bank;
12. Mengevaluasi efektivitas dan kinerja komite yang 12. Evaluate the effectiveness and performance of
dibentuk oleh Dewan Komisaris. committees established by the Board of Commissioners.
MASA JABATAN DEWAN TERM OF OFFICE OF THE BOARD
KOMISARIS OF COMMISSIONERS
Berdasarkan Anggaran Dasar Bank, masa jabatan anggota Based on the Bank’s Articles of Association, the term of office
Dewan Komisaris adalah untuk jangka waktu sampai dengan of a member of the Board of Commissioners is for a period of
ditutupnya RUPST ke-3 (tiga) setelah pengangkatan anggota time until the closing of the 3rd (third) AGMS after the appointment
Dewan Komisaris yang dimaksud. RUPS memiliki hak untuk of the member of the Board of Commissioners in question. The
memberhentikan anggota Dewan Komisaris sewaktu-waktu GMS has the right to dismiss a member of the Board of
sebelum masa jabatannya berakhir dengan menyebutkan Commissioners at any time before his/her term of office ends
alasannya setelah anggota Dewan Komisaris yang bersangkutan by stating the reasons after the member of the Board of
diberi kesempatan untuk membela diri dalam RUPS tersebut. Commissioners concerned has been given the opportunity to
Anggota Dewan Komisaris yang masa jabatannya telah berakhir defend himself/herself at the GMS. Members of the whose term
dapat diangkat kembali oleh RUPS. Sesuai Anggaran Dasar, of office has expired may be reappointed by the GMS. In
masa jabatan seorang anggota Dewan Komisaris berakhir accordance with the Articles of Association, the term of office
apabila : of a member of the Board of Commissioners ends when :
a. Meninggal dunia; a. Passed away;
b. Masa jabatanya berakhir ; b. His term of office ended;
c. Diberhentikan berdasarkan RUPS; c. Dismissed by GMS;
d. Mengundurkan diri; d. Resigned;
e. Dinyatakan pailit atau ditaruh dibawah pengampuan e. Declared bankrupt or placed under guardianship
berdasarkan suatu keputusan pengadilan; based on a court decision;
f. Tidak lagi memenuhi persyaratan sebagai anggota f. No longer fulfill the requirements as a member of the
Dewan Komisaris berdasarkan Peraturan Otoritas Jasa Board of Commissioners based on the Financial Services
Keuangan, Anggaran Dasar, dan peraturan perundang- Authority Regulations, Articles of Association, and
undangan lainnya. other laws and regulations.
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Laporan Tata Kelola Perusahaan
Good Corporate Governance Report
SUSUNAN DEWAN KOMISARIS COMPOSITION OF THE BOARD OF
COMMISSIONERS
Sepanjang tahun 2024, Komposisi Dewan Komisaris tidak Throughout 2024, the composition of the Board of
mengalami perubahan. Dengan komposisi sebanyak 5 (lima) Commissioners has not changed. With a composition of 5
orang yang terdiri dari 1 (satu) orang Komisaris Utama, 3 (tiga) (five) people consisting of 1 (one) President Commissioner, 3
orang Komisaris Independen, dan 1 (satu) orang Komisaris. (three) Independent Commissioners, and 1 (one) Commissioner.
Adapun susunan Dewan Komisaris Bank adalah sebagai The composition of the Bank’s Board of Commissioners is as
berikut : follows:
Nama Jabatan Periode Jabatan
Name Position Position Period
Chat Luangarpa Komisaris Utama | President Commissioner 2022-2025
Diana Alim* Komisaris | Commissioner 2022-2025
Alan Jenviphakul Komisaris Independen | Independent Commissioner 2022-2025
Pardi Kendy Komisaris Independen | Independent Commissioner 2022-2025
H. Muhammad Pujiono Santoso, IR. MM Komisaris Independen | Independent Commissioner 2022-2025
*pada RUPSLB 19/09/2022 diangkat kembali | *reappointed at EGM 19/09/2022
KEBERAGAMAN KOMPOSISI DIVERSITY OF BOARD OF
DEWAN KOMISARIS COMMISSIONERS COMPOSITION
Keberagaman komposisi Dewan Komisaris Bank telah sesuai The diversity of the composition of the Bank's Board of
dengan Surat Edaran Otoritas Jasa Keuangan Nomor 32/ Commissioners is in accordance with Circular Letter of the
SEOJK.04/2015 tentang Pedoman Tata Kelola Perusahaan Financial Services Authority Number 32/SEOJK.04/2015 on
Terbuka. Keberagaman komposisi Dewan Komisaris dapat Public Company Governance Guidelines. The diversity of the
tercermin dalam penentuan keahlian, pengetahuan, dan composition of the Board of Commissioners can be reflected
pengalaman yang dibutuhkan dalam pelaksanaan tugas in the determination of expertise, knowledge, and experience
pengawasan dan pemberian nasihat oleh Dewan Komisaris. required in the implementation of supervisory and advisory
duties by the Board of Commissioners.
Penetapan komposisi Dewan Komisaris dilakukan dengan The determination of the composition of the Board of
mempertimbangkan kebutuhan dan kompleksitas Perseroan. Commissioners is made by considering the needs and
Saat ini Dewan Komisaris telah memenuhi kriteria baik dari complexity of the Company. Currently, the Board of
usia, jenis kelamin, pendidikan, pengalaman, integritas, dedikasi, Commissioners has met the criteria in terms of age, gender,
pemahaman mengenai masalah manajemen perusahaan, education, experience, integrity, dedication, understanding
serta memiliki pengetahuan dan/atau keahlian di bidang yang of corporate management issues, as well as having knowledge
dibutuhkan Bank, khususnya terkait pengambilan keputusan and/or expertise in the fields needed by the Bank, especially
dalam rangka pelaksanaan fungsi pengawasan yang dilakukan related to decision making in the context of implementing
dengan mempertimbangkan berbagai aspek yang lebih luas. supervisory functions carried out by considering various
broader aspects.
PENGUNGKAPAN HUBUNGAN DISCLOSURE OF AFFILIATE
AFILIASI DEWAN KOMISARIS RELATIONSHIPS OF THE BOARD
OF COMMISSIONERS
Bank wajib mengungkapkan hubungan keuangan dan hubungan The Bank is obliged to disclose financial relationships and
keluarga sampai dengan derajat kedua anggota Dewan family relationships up to the second degree of members of
Komisaris dengan sesama anggota Dewan Komisaris, anggota the Board of Commissioners with fellow members of the Board
Direksi dan/atau Pemegang Saham Pengendali sesuai dengan of Commissioners, members of the Board of Directors and/
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aspek transparansi Dewan Komisaris pada Peraturan Otoritas or Controlling Shareholders in accordance with the transparency
Jasa Keuangan No. 17 tahun 2023 tentang Penerapan Tata aspects of the Board of Commissioners in the Financial
Kelola Bagi Bank Umum. Hubungan afiliasi anggota Dewan Services Authority Regulation No. 17 of 2023 concerning the
Komisaris dapat dilihat pada tabel berikut : Implementation of Governance for Commercial Banks. Affiliation
relationships of members of the Board of Commissioners can
be seen in the following table:
Hubungan Keluarga Dengan Hubungan Keuangan Dengan
Family Relationship with Financial Relationship With
Pemegang Pemegang
Dewan Dewan
Saham Saham
Nama Jabatan Komisaris Direksi Komisaris Direksi
Pengendali Pengendali
Name Position Board of Directors Board of Directors
Controlling Controlling
Commissioners Commissioners
Shareholders Shareholders
Ya Tidak Ya Tidak Ya Tidak Ya Tidak Ya Tidak Ya Tidak
Yes No Yes No Yes No Yes No Yes No Yes No
Chat Komisaris √ √ √ √ √
Luangarpa Utama
President
Commissioner
Diana Alim Komisaris √ √ √ √ √ √
Commissioner
M. Pujiono Komisaris √ √ √ √ √ √
Santoso Independen
Independent
Commissioner
Alan Komisaris √ √ √ √ √ √
Jenviphakul Independen
Independent
Commissioner
Pardi Kendy Komisaris √ √ √ √ √ √
Independen
Independent
Commissioner
PENGUNGKAPAN KEPEMILIKAN DISCLOSURE OF BOARD OF
SAHAM DEWAN KOMISARIS COMMISSIONERS SHARE
OWNERSHIP
Kebijakan Bank terkait pengungkapan kepemilikan saham The Bank's policy regarding the disclosure of share ownership
Dewan Komisaris mengacu pada Peraturan Otoritas Jasa of the Board of Commissioners refers to the Financial Services
Keuangan No. 17 Tahun 2023 tentang Penerapan Tata Kelola Authority Regulation No. 17 of 2023 concerning the
Bagi Bank Umum mengenai aspek transparansi Dewan Implementation of Governance for Commercial Banks regarding
Komisaris yaitu anggota Dewan Komisaris wajib mengungkapkan the transparency aspect of the Board of Commissioners,
kepemilikan saham yang mencapai 5% (lima persen) atau namely members of the Board of Commissioners must disclose
lebih, baik pada Bank yang bersangkutan maupun pada bank share ownership that reaches 5% (five percent) or more, both
dan perusahaan lain, yang berkedudukan di dalam dan di luar in the Bank concerned and in other banks and companies,
negeri. Selain itu Bank juga mengacu pada Peraturan Otoritas domiciled at home and abroad. In addition, the Bank also
Jasa Keuangan Nomor 4 Tahun 2024 tentang Laporan refers to Financial Services Authority Regulation Number 4
Kepemilikan atau Setiap Perubahan Kepemilikan Saham of 2024 concerning Ownership Reports or Any Changes in
Perusahaan Terbuka jika terdapat perubahan kepemilikannya Share Ownership of Public Companies if there is a change
atas saham Perusahaan Terbuka baik langsung maupun tidak in its ownership of Public Company shares, either directly or.
langsung.
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Laporan Tata Kelola Perusahaan
Good Corporate Governance Report
Pengungkapan kepemilikan saham anggota Dewan Komisaris Disclosure of share ownership of members of the Board of
dapat dilihat pada tabel berikut : Commissioners can be seen in the following table:
Kepemilikan saham anggota Dewan Komisaris yang jumlahnya
5% atau lebih dari modal disetor pada:
Nama Jabatan Share ownership of members of the Board of Commissioners
Name Position amounting to 5% or more of the paid-up capital in:
Bank lain Perusahaan lain
Bank Maspion
Other banks Other companies
Chat Luangarpa Komisaris Utama - - -
President Commissioner
Diana Alim Komisaris - - √*
Commissioner
M. Pujiono Santoso Komisaris Independen - - -
Independent Commissioner
Alan Jenviphakul Komisaris Independen - - √*
Independent Commissioner
Pardi Kendy Komisaris Independen - - -
Independent Commissioner
√* : Memiliki saham 5% atau lebih dari modal disetor | √* : Owns 5% or more of the paid-up capital
PENGUNGKAPAN RANGKAP DISCLOSURE OF DUAL
JABATAN DEWAN KOMISARIS POSITION OF THE BOARD OF
COMMISSIONERS
Bank dalam membuat kebijakan rangkap jabatan Dewan The Bank in making a policy on concurrent Board of
Komisaris mengacu pada Peraturan Otoritas Jasa Keuangan Commissioners positions refers to Financial Services Authority
Nomor 17 Tahun 2023 tentang Penerapan Tata Kelola bagi Regulation Number 17 of 2023 concerning the Implementation
Bank Umum dan Peraturan Otoritas Jasa Keuangan Nomor of Governance for Commercial Banks and Financial Services
33/POJK/04/2014 tentang Direksi dan Dewan Komisaris Emiten Authority Regulation Number 33/POJK/04/2014 concerning
atau Perusahaan Publik. Selama tahun 2023, tidak ada anggota Directors and Board of Commissioners of Issuers or Public
Dewan Komisaris Bank yang merangkap jabatan kecuali yang Companies. During 2023, no member of the Bank’s Board of
ditetapkan dalam Pasal 46 Peraturan Otoritas Jasa Keuangan Commissioners held concurrent positions except those
Nomor 17 Tahun 2023 tentang Penerapan Tata Kelola Bagi stipulated in Article 46 of the Financial Services Authority
Bank Umum yaitu: Regulation Number 17 of 2023 concerning the Implementation
of Governance for Commercial Banks, namely:
1. Anggota Dewan Komisaris dilarang merangkap jabatan : 1. Members of the Board of Commissioners are prohibited
from holding concurrent positions:
a. Sebagai anggota direksi, anggota dewan komisaris, a. As a member of the board of directors, member of the
anggota dewan pengawas syariah, atau pejabat board of commissioners, member of the sharia supervisory
eksekutif pada lembaga keuangan atau perusahaan board, or executive officer at a financial institution or
keuangan baik bank maupun bukan bank; financial company, both banks and non-banks;
b. Sebagai anggota direksi, anggota dewan komisaris, b. As a member of the board of directors, member of the
anggota dewan pengawas syariah, atau pejabat board of commissioners, member of the sharia
eksekutif pada lebih dari 1 (satu) lembaga atau supervisory board, or executive officer at more than
perusahaan bukan keuangan, baik yang berkedudukan 1 (one) non-financial institution or company, both
di dalam maupun di luar negeri; domiciled at home and ;
c. pada bidang tugas fungsional pada lembaga keuangan c. in the field of functional duties at bank financial
bank dan/atau lembaga keuangan bukan bank yang institutions and/or non-bank financial institutions
berkedudukan di dalam maupun di luar negeri; domiciled at home or ;
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d. pada jabatan lain yang dapat menimbulkan benturan d. in other positions that may create a conflict of interest
kepentingan dalam pelaksanaan tugas sebagai anggota in the performance of duties as a member of the Board
Dewan Komisaris; dan/atau of Commissioners; and/or
e. pada jabatan lain sesuai dengan ketentuan peraturan e. in other positions in accordance with the provisions
perundang-undangan. of laws and regulations.
2. Tidak termasuk rangkap jabatan sebagaimana dimaksud 2. Excluding concurrent positions as referred to in point (1)
pada angka (1) dalam hal: in the event that:
a. Anggota Dewan Komisaris menjabat sebagai anggota a. Members of the Board of Commissioners serve as
Direksi, anggota Dewan Komisaris atau Pejabat Eksekutif members of the Board of Directors, members of the
yang melaksanakan fungsi pengawasan pada 1 (satu) Board of Commissioners or Executive Officers who
perusahaan anak bukan bank yang dikendalikan oleh carry out supervisory functions in 1 (one) non-bank
Bank; subsidiaries controlled by the Bank
b. Komisaris Non Independen menjalankan tugas fungsional b. Non-Independent Commissioners perform functional
dari pemegang saham Bank yang berbentuk badan duties of the Bank’s shareholders in the form of legal
hukum pada Bank dan/atau kelompok usaha Bank; entities in the Bank and/or the Bank’s business group;
c. Anggota Dewan Komisaris menduduki jabatan pada c. Members of the Board of Commissioners hold positions
organisasi atau lembaga nirlaba; in non-profit organizations or institutions;
d. Tugas dalam jabatan dan fungsi sebagaimana dimaksud d. Duties in positions and functions as referred to in point
pada angka (2) dapat dilaksanakan sepanjang tidak (2) may be carried out to the extent that it does not
mengakibatkan yang bersangkutan mengabaikan result in the person concerned neglecting the
pelaksanaan tugas dan tanggung jawab sebagai anggota implementation of duties and responsibilities as a
Dewan Komisaris. member of the Board of Commissioners.
Pengungkapan rangkap jabatan Dewan Komisaris dapat dilihat Disclosure of concurrent positions of the Board of Commissioners
pada tabel berikut : can be seen in the following table:
Jabatan di Jabatan lain
Nama Bank Maspion Other positions
Name Position at DI luar Bank DI dalam Bank
Maspion Bank Outside the Bank Inside the Bank
Chat Luangarpa Komisaris Utama Direktur KASIKORN VISION CO., LTD. Anggota Komite Pemantau Risiko
President Commissioner Director of KASIKORN VISION CO., LTD. Member of Risk Monitoring Committee
Direktur KASIKORN VISION FINANCIAL Anggota Komite Nominasi dan
COMPANY PTE. LTD Remunerasi
Director of KASIKORN VISION Member of Nomination and
FINANCIAL COMPANY PTE. LTD Remuneration Committee
Executive Vice President - Kasikorn
Bank Public Company Limited
Executive Vice President - Kasikorn
Bank Public Company Limited
Diana Alim Komisaris Direktur Utama PT Marindo Boga Anggota Komite Pemantau Risiko
Commissioner President Director of PT Marindo Boga Member of Risk Monitoring Committee
Anggota Komite Nominasi dan
Remunerasi
Member of Nomination and
Remuneration Committee
M. Pujiono Santoso Komisaris Independen - Anggota Komite Pemantau Risiko
Independent Commissioner Member of Risk Monitoring Committee
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Laporan Tata Kelola Perusahaan
Good Corporate Governance Report
Jabatan di Jabatan lain
Nama Bank Maspion Other positions
Name Position at DI luar Bank DI dalam Bank
Maspion Bank Outside the Bank Inside the Bank
Alan Jenviphakul Komisaris Independen Presiden Komisaris PT WILLOWTREE Ketua Komite Audit
Independent Commissioner CAPITAL Chairman of the Audit Committee
President Commissioner of PT
Ketua Komite Pemantau Risiko
WILLOWTREE CAPITAL
Chairman of the Risk Monitoring
Committee
Anggota Komite Nominasi dan
Remunerasi
Member of Nomination and
Remuneration Committee
Pardi Kendy Komisaris Independen - Ketua Komite Nominasi dan
Independent Commissioner Remunerasi
Chairman of Nomination and
Audit Committee Member
PEDOMAN DAN TATA TERTIB CODE OF CONDUCT FOR THE
KERJA DEWAN KOMISARIS BOARD OF COMMISSIONERS
Pedoman dan Tata tertib kerja Dewan Komisaris merupakan The Board of Commissioners’ Charter is a reference for the
acuan bagi Dewan Komisaris dalam melaksanakan tugas dan Board of Commissioners in carrying out its duties and
tanggung jawabnya secara efektif, efisien dan independen. responsibilities effectively, efficiently and independently. The
Muatan dokumen Pedoman dan Tata tertib kerja Dewan content of the Board of Commissioners’ Charter refers to
Komisaris mengacu pada Peraturan Otoritas Jasa Keuangan Financial Services Authority Regulation Number 17 of 2023
Nomor 17 Tahun 2023 tentang Penerapan Tata Kelola bagi concerning the Implementation of Governance for Commercial
Bank Umum dan Peraturan Otoritas Jasa Keuangan Nomor Banks and Financial Services Authority Regulation Number
33/POJK.04/2014 tentang Direksi dan Dewan Komisaris Emiten 33/POJK.04/2014 concerning the Board of Directors and
atau Perusahaan Publik. Pedoman dan Tata Tertib Kerja Dewan Board of Commissioners of Issuers or Public Companies. The
Komisaris bersifat mengikat bagi setiap anggota Dewan Board of Commissioners’ Charter is binding for each member
Komisaris. Pedoman dan Tata Tertib Kerja Dewan Komisaris of the Board of Commissioners. The Board of Commissioners’
dievaluasi secara berkala sesuai dengan peraturan yang Charter is periodically evaluated in accordance with applicable
berlaku. Pedoman dan Tata Tertib Kerja Dewan Komisaris regulations. The Board of Commissioners’ Charter contains
memuat dan mengatur hal-hal terkait dengan: and regulates matters related to:
• Komposisi, kriteria, independensi dan masa jabatan; • Composition, criteria, independence and term of office;
• Ketentuan mengenai rangkap jabatan; • Provisions regarding concurrent positions;
• Tugas, tanggung jawab dan wewenang; • Duties, responsibilities and authorities;
• Tempat dan waktu kerja; • Place and time of work;
• Etika dan Kepatutan; • Ethics and Appropriateness;
• Rapat; • Meetings;
• Remunerasi; • Remuneration;
• Aspek transparansi. • Transparency aspect.
HASIL PENGAWASAN SUPERVISION RESULTS
Dalam melakukan fungsi pengawasan, langkah-langkah/ In carrying out the supervisory function, the steps/methods
metode pengawasan yang dilakukan oleh Dewan Komisaris of supervision carried out by the Board of Commissioners are
adalah melalui pemeriksaan terhadap laporan-laporan yang through examination of reports submitted to the Board of
disampaikan kepada Dewan Komisaris; melaksanakan Commissioners; conducting direct supervision and examination
pengawasan dan pemeriksaan langsung terhadap pelaksanaan of the implementation of the duties of a section in Bank
tugas suatu bagian di Bank Maspion secara berkala; evaluasi Maspion on a regular basis; evaluation of the implementation
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atas pelaksanaan pemeriksaan yang dilakukan oleh Otoritas of examinations conducted by the Financial Services Authority
Jasa Keuangan dan otoritas pengawas lainnya, Auditor Eksternal, and other supervisory authorities, External Auditors, SKAI and
SKAI serta follow up yang dilakukan oleh manajemen. follow-up conducted by management.
Sepanjang tahun 2024, Dewan Komisaris sudah melakukan Throughout 2024, the Board of Commissioners has supervised
pengawasan terhadap pelaksanaan tugas dan tanggung jawab the implementation of the duties and responsibilities of the
Direksi melalui komunikasi yang baik, aktif memberikan saran Board of Directors through good communication, actively
kepada Direksi terkait kebijakan dan strategi Bank, serta providing advice to the Board of Directors regarding the
evaluasi terhadap pelaksanaan kebijakan strategis Bank. Bank’s policies and strategies, as well as evaluating the
Dalam beberapa kesempatan Dewan Komisaris melakukan implementation of the Bank’s strategic policies. On several
rapat bersama Direksi untuk membahas kebijakan strategis occasions, the Board of Commissioners held meetings with
Bank. Secara berkala, Dewan Komisaris juga melakukan rapat the Board of Directors to discuss the Bank’s strategic policies.
bersama anggota komite-komite yang berada di bawah Periodically, the Board of Commissioners also meets with
koordinasi Dewan Komisaris. members of the committees under the coordination of the
Board of Commissioners.
Hasil pengawasan Dewan Komisaris selama tahun 2024 The results of the Board of Commissioners’ supervision during
adalah: 2024 are:
1. Pengawasan atas pelaksanaan prinsip-prinsip GCG 1. Supervision of the implementation of GCG principles
pada seluruh tingkatan atau jenjang organisasi baik at all levels of the organization either actively by
secara aktif dengan menghadiri rapat-rapat, melakukan attending meetings, conducting visits or off site through
kunjungan maupun secara off site melalui laporan- reports submitted.
laporan yang disampaikan.
2. Memberikan saran/nasihat untuk peningkatan kinerja 2. Providing advice/advice for performance improvement
dan pengendalian internal kepada Direksi yang and internal control to the Board of Directors, which
disampaikan dalam forum rapat koordinasi Direksi dan is delivered in the Board of Directors and Commissioners
Komisaris. coordination meeting forum.
3. Melakukan pengawasan aktif terhadap pelaksanaan 3. Actively supervise the implementation of the RBB 2024
RBB tahun 2024 yang telah disetujui oleh otoritas baik that has been approved by the authority both from
dari aspek pengembangan bisnis maupun aspek-aspek the aspect of business development and aspects
terkait kepatuhan terhadap regulasi, penerapan related to regulatory compliance, risk management
manajemen risiko, efektifitas SKAI dan kebijakan terkait implementation, SKAI effectiveness and policies related
remunerasi-nominasi, dengan mengoptimalkan komite- to remuneration - nomination, by optimizing the
komite di bawah supervisi Dewan Komisaris. committees under the supervision of the Board of
Commissioners.
4. Mengevaluasi kinerja Bank bulanan selama Semester 4. Evaluate the Bank’s performance monthly during
I & II 2024. Semester I & II 2024.
5. Melakukan review kinerja Kantor Akuntan Publik atas 5. Reviewing the performance of the Public Accounting
Laporan Keuangan Bank melalui rapat Komite Audit. Firm on the Bank’s Financial Statements through Audit
Committee meetings.
6. Memantau Tingkat Kesehatan Bank termasuk di 6. Monitor the Bank’s Health Level including risk profile,
dalamnya profil risiko, GCG, rentabilitas dan permodalan GCG, profitability and capital and take necessary steps
serta mengambil langkah-langkah yang diperlukan to improve the Bank’s Health Level.
untuk meningkatkan Tingkat Kesehatan Bank.
7. Melakukan pemantauan terhadap hasil pemakaian 7. Monitoring the use of Right Issue proceeds.
dana Right Issue.
8. Memantau program kerja Policy Division untuk 8. Monitor Policy Division’s work program to strengthen
memperkuat tata kelola kebijakan dengan policy governance by developing a policy management
mengembangkan kerangka kerja manajemen kebijakan framework in accordance with best practice.
yang sesuai dengan best practice.
9. Pengawasan terhadap pelaksanaan fungsi kepatuhan. 9. Supervision of the implementation of the compliance
function.
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Laporan Tata Kelola Perusahaan
Good Corporate Governance Report
PENILAIAN KINERJA DEWAN BOARD OF COMMISSIONERS
KOMISARIS [GRI 2-18] PERFORMANCE ASSESSMENT [GRI 2-18]
Sebagai bentuk penerapan tata kelola yang baik dan mengacu As a form of implementation of good governance and referring
pada Peraturan Otoritas Jasa Keuangan Nomor 17 tahun 2023 to the Financial Services Authority Regulation Number 17 of 2023
dan Surat Edaran Otoritas Jasa Keuangan Nomor 13/ and Circular Letter of the Financial Services Authority Number 13/
SEOJK.03/2017 tentang Penerapan Tata Kelola bagi Bank SEOJK.03/2017 on the Implementation of Governance for
Umum maka Bank menyusun kebijakan penilaian kinerja yang Commercial Banks, the Bank has developed a performance
digunakan sebagai pedoman untuk mengukur efektivitas assessment policy that is used as a guideline to measure the
pelaksanaan tugas dan tanggung jawab Dewan Komisaris. effectiveness of the implementation of the duties and responsibilities
Kebijakan tersebut adalah melalui metode penilaian sendiri of the Board of Commissioners. The policy is through the self-
(self-assessment) terhadap kinerja Dewan Komisaris. Kebijakan assessment method of the Board of Commissioners’ performance.
self-assessment adalah salah satu bentuk akuntabilitas Dewan The self-assessment policy is a form of accountability of the Board
Komisaris dalam melaksanakan tugas dan tanggung jawabnya. of Commissioners in carrying out its duties and responsibilities.
Sepanjang tahun 2024, Dewan Komisaris melaksanakan tugas Throughout 2024, the Board of Commissioners carried out
dan tanggung jawabnya berjalan dengan sangat baik. Terdapat its duties and responsibilities very well. There is a Board of
Laporan Pengawasan Dewan Komisaris yang dilakukan setiap Commissioners Supervisory Report that is conducted every
semesteran dan juga dimuat dalam Laporan Tahunan. Laporan semester and also published in the Annual Report. The report
tersebut mencakup pelaksanaan tugas dan tanggung jawab covers the implementation of the duties and responsibilities
Dewan Komisaris beserta komite-komite, kontribusi dan of the Board of Commissioners and its committees, the
dukungan Dewan Komisaris dalam mencapai rencana bisnis contribution and support of the Board of Commissioners in
di tahun berjalan, serta memastikan penerapan Good Corporate achieving the business plan in the current year, and ensuring
Governance berjalan dengan baik. the implementation of Good Corporate Governance.
PENILAIAN KINERJA KOMITE PERFORMANCE ASSESSMENT OF
DIBAWAH DEWAN KOMISARIS COMMITTEES UNDER THE BOARD
OF COMMISSIONERS
Dalam menjalankan fungsi pengawasan yang aktif, Dewan In carrying out an active supervisory function, the Board of
Komisaris didukung oleh 3 (tiga) organ pendukung, yaitu Commissioners is supported by 3 (tree) supporting organs,
Komite Audit, Komite Pemantau Risiko, dan Komite Remunerasi namely the Audit Committee, Risk Monitoring Committee, and
dan Nominasi. Pembentukan komite selalu disesuaikan dan Remuneration and Nomination Committee. The establishment
dievaluasi berdasarkan ketentuan tata kelola yang berlaku of committees is always adjusted and evaluated based on
terkait Komite. Di tahun 2024, Dewan Komisaris menilai bahwa applicable governance provisions related to the Committee.
seluruh organ pendukung tersebut telah menjalankan tugas In 2024, the Board of Commissioners considers that all
dan tanggung jawab dengan baik. Kinerja Komite-komite di supporting organs have carried out their duties and
bawah Dewan Komisaris selalu dievaluasi melalui self- responsibilities well. The performance of the Committees
assessment oleh Dewan Komisaris. under the Board of Commissioners is always evaluated through
self-assessment by the Board of Commissioners.
Direksi
Board of Directors [OJK E.1][GRI 2-11]
Direksi adalah organ Perseroan yang memiliki wewenang dan The Board of Directors is an organ of the Company that has
tanggung jawab penuh dalam mengelola Perseroan untuk full authority and responsibility in managing the Company for
kepentingan Perseroan, sejalan dengan maksud dan tujuannya, the interests of the Company, in line with its purposes and
serta mewakili Perseroan di dalam maupun di luar pengadilan objectives, as well as representing the Company inside and
sesuai dengan ketentuan dalam Anggaran Dasar. Direksi juga outside the court in accordance with the provisions in the
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berkewajiban menjalankan prinsip-prinsip tata kelola yang baik Articles of Association. The Board of Directors is also obliged
di seluruh tingkatan organisasi dalam setiap kegiatan usaha to implement the principles of good governance at all levels
Bank. Pelaksanaan tugas Direksi dipertanggungjawabkan of the organization in every business activity of the Bank. The
kepada pemegang saham melalui mekanisme Rapat Umum implementation of the duties of the Board of Directors is
Pemegang Saham (RUPS). accountable to the shareholders through the mechanism of
the General Meeting of Shareholders (GMS).
TUGAS DAN TANGGUNG JAWAB DUTIES AND RESPONSIBILITIES
DIREKSI OF THE BOARD OF DIRECTORS
Direksi memiliki tugas dan tanggung jawab, antara lain: The Board of Directors has duties and responsibilities, among
others:
1. Setiap anggota Direksi wajib dengan itikad baik, penuh 1. Each member of the Board of Directors shall in good faith,
tanggung jawab dan kehati-hatian menjalankan tugasnya responsibly and prudently perform his/her duties with due
dengan mengindahkan peraturan/perundang-undangan observance of the prevailing laws/regulations and the
yang berlaku dan Anggaran Dasar. Articles of Association.
2. Mempertanggungjawabkan pelaksanaan tugasnya kepada 2. Accountable for the implementation of its duties to
pemegang saham melalui Rapat Umum Pemegang Saham shareholders through the General Meeting of Shareholders
(RUPS). (GMS).
3. Memantau dan mengelola risiko Bank. 3. Monitor and manage the Bank’s risks.
4. Menetapkan rencana strategis dalam bentuk RBB. 4. Establish a strategic plan in the form of the RBB.
5. Melaksanakan prinsip-prinsip Tata Kelola yang baik dalam 5. Implement the principles of Good Governance in every
setiap kegiatan usaha pada seluruh tingkatan atau jenjang business activity at all levels of the organization. In order
organisasi. Dalam rangka pelaksanaan Tata Kelola yang to implement Good Governance, the Board of Directors
baik, Direksi paling kurang wajib membentuk Satuan Kerja is at least required to establish an Internal Audit Unit, a
Audit Intern, Satuan Kerja Manajemen Risiko dan Komite Risk Management Unit and a Risk Management Committee
Manajemen Risiko serta Satuan Kerja Kepatuhan. as well as a Compliance Unit.
6. Memimpin, mengurus, dan mengendalikan Bank sesuai 6. Lead, manage, and control the Bank in accordance with
dengan tujuan Bank dan senantiasa berusaha meningkatkan the Bank’s objectives and always strive to improve the
efisiensi dan efektivitas Bank. efficiency and effectiveness of the Bank.
7. Mengevaluasi kinerja dari komite-komite yang berada di 7. Evaluate the performance of the committees under the
bawah Direksi, yang dibentuk dalam rangka mendukung Board of Directors, which were formed in order to support
efektivitas pelaksanaan tugas dan tanggung jawab Direksi. the effectiveness of the implementation of the duties and
responsibilities of the Board of Directors.
8. Tidak memberikan kuasa umum kepada pihak lain yang 8. Not granting general power of attorney to other parties
mengakibatkan pengalihan tugas dan fungsi Direksi. which results in the transfer of duties and functions of the
Board of Directors.
9. Bertanggung jawab atas setiap informasi Perseroan yang 9. Responsible for any Company information submitted to
disampaikan kepada publik. the public.
10. Menindaklanjuti temuan audit internal dan rekomendasi 10. Follow up on internal audit findings and recommendations
dari Satuan Kerja Audit Intern Bank, auditor eksternal dan from the Bank’s Internal Audit Unit, external auditors and
hasil pengawasan otoritas. supervisory authorities.
11. Tidak menggunakan penasehat perorangan dan/atau jasa 11. Do not use individual advisors and/or professional services
profesional sebagai konsultan kecuali untuk proyek yang as consultants except for special projects, based on clear
bersifat khusus, didasarkan pada kontrak yang jelas serta contracts and consultants are independent parties who
konsultan adalah pihak independen yang memiliki kualifikasi have the qualifications to work on these special projects.
untuk mengerjakan proyek yang bersifat khusus tersebut.
12. Menciptakan sistem pengendalian internal yang efektif 12. Create an effective and efficient internal control system.
dan efisien.
13. Mengungkapkan kepada pegawai mengenai kebijakan 13. Disclose to employees about strategic policies in the field
yang bersifat strategis di bidang kepegawaian akan of employment regarding the recruitment system, promotion
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Laporan Tata Kelola Perusahaan
Good Corporate Governance Report
mengenai sistem rekrutmen, sistem promosi, sistem system, remuneration system and the Bank’s plan to make
remunerasi serta rencana Bank untuk melakukan efisiensi efficiency through employee reduction.
melalui pengurangan pegawai.
14. Menyediakan data dan informasi yang akurat, relevan dan 14. Provide accurate, relevant and timely data and information
tepat waktu kepada Dewan Komisaris. to the Board of Commissioners.
PEDOMAN DAN TATA TERTIB CHARTER OF THE BOARD
KERJA DIREKSI (PIAGAM DIREKSI) OF DIRECTORS (BOARD OF
DIRECTORS CHARTER)
Dalam melaksanakan tugas dan tanggung jawabnya, Direksi In carrying out its duties and responsibilities, the Board of
mengacu atau berpedoman pada Pedoman dan Tata Tertib Kerja Directors refers to or is guided by the Board of Directors Charter.
Direksi (Piagam Direksi). Pedoman dan Tata Tertib Kerja Dewan The Charter of the Board of Directors is binding for each member
Direksi bersifat mengikat bagi setiap anggota Direksi. Penyusunan of the Board of Directors. The preparation of the Board of
Piagam Direksi mengacu pada Peraturan Otoritas Jasa Keuangan Directors Charter refers to Financial Services Authority Regulation
Nomor 17 tahun 2023 tentang Penerapan Tata Kelola bagi Bank Number 17 of 2023 concerning the Implementation of Governance
Umum dan Peraturan Otoritas Jasa Keuangan Nomor 33/ for Commercial Banks and Financial Services Authority Regulation
POJK.04/2014 tentang Direksi dan Dewan Komisaris Emiten atau Number 33/POJK.04/2014 concerning Directors and Board of
Perusahaan Publik. Piagam direksi akan dilakukan evaluasi dan Commissioners of Issuers or Public Companies. The board of
pengkinan secara berkala untuk disesuaikan dengan peraturan directors’ charter will be evaluated and maintained periodically
perundang-undangan yang berlaku. Secara umum, Piagam to be adjusted to the prevailing laws and regulations. In general,
Direksi mengatur tentang: the Board of Directors Charter regulates:
1. Komposisi, Kriteria, dan Independensi 1. Composition, Criteria and Independence
2. Pengangkatan dan Pemberhentian Direksi 2. Appointment and Dismissal of Directors
3. Masa jabatan 3. Term of
4. Rangkap Jabatan 4. Dual
5. Kewajiban, Tugas, Tanggung Jawab, dan Wewenang 5. Obligations, Duties, Responsibilities, and
6. Tempat dan Waktu Kerja 6. and Time
7. Pelaporan 7. Reporting
8. Etika dan Kepatutan 8. Ethics and
9. Rapat 9. Meeting
JUMLAH, KOMPOSISI DAN NUMBER, COMPOSITION AND
KRITERIA ANGGOTA DIREKSI CRITERIA OF MEMBERS OF THE
BOARD OF DIRECTORS
Jumlah, komposisi, dan kriteria anggota Direksi telah memenuhi The number, composition, and criteria of the members of the
persyaratan sebagaimana diatur dalam Peraturan Otoritas Board of Directors have met the requirements as stipulated in
Jasa Keuangan Nomor 17 tahun 2023 tentang Penerapan the Financial Services Authority Regulation Number 17 of 2023
Tata Kelola bagi Bank Umum. Pada akhir Desember 2024, concerning the Implementation of Governance for Commercial
jumlah anggota Direksi Bank berjumlah 5 (lima) dengan Banks. At the end of December 2024, the number of members
komposisi sebagai berikut : of the Bank’s Board of Directors amounted to 5 (five) with the
following composition:
Nama Jabatan Periode Jabatan
Name Position Position Period
Kasemsri Charoensiddhi Direktur Utama | President Director 2022-2025
Endah Winarni Direktur Marketing | Marketing Director 2022-2025
Iis Herijati Direktur Operasional | Director of Operations 2022-2025
Ivan Adrian Sumampouw Direktur Kredit dan Risiko | Director of Credit and Risk 2022-2025
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Nama Jabatan Periode Jabatan
Name Position Position Period
Viktor Ebenheizer Fanggidae Direktur Kepatuhan dan Legal | Compliance and Legal Director 2022-2025
*Pada RUPSLB 5/12/2022 diangkat kembali
** semula Direktur Kepatuhan (Independen) Perseroan menjadi Direktur Operasional Perseroan Pada RUPSLB 5/12/2022
*At the EGM on 5/12/2022 reappointed
** originally Compliance Director (Independent) of the Company became Operations Director of the Company at EGM 5/12/2022
RUANG LINGKUP PEKERJAAN DAN SCOPE OF WORK AND
TANGGUNG JAWAB RESPONSIBILITIES
Nama Jabatan Bidang Tugas dan Tanggung Jawab
No
Name Position Areas of Duty and Responsibility
1 Kasemsri Charoensiddhi Direktur Utama • Corporate Secretary
President Director • Divisi Keuangan & Akuntansi
• Divisi Tresuri
• Divisi Audit Internal
• Teknologi Informasi
• Branding & Communication
• Corporate Secretary
• Finance & Accounting Division
• Treasury Division
• Internal Audit Division
• Technology
• Branding & Communication
2 Endah Winarni Direktur Marketing • Divisi Corporate Banking
Marketing Director • Divisi Commercial Banking
• Divisi Branch Banking
• Divisi Business Portfolio & Performance Management Unit
• Divisi Product & Channel
• Divisi Trade Sales
• Corporate banking division
• Commercial Banking Division
• Branch Banking Division
• Business Portfolio & Performance Management
• Product & channel division
• Trade Sales Division
3 Iis Herijati Direktur Operasional • Divisi Operasional
Director of Operations • Divisi Umum
• Divisi Credit Support & Custody
• Division
• General Division
• Credit Support & Custody Division
4 Ivan Adrian Sumampouw Direktur Kredit dan Risiko • Divisi Credit Review
Director of Credit and Risk • Divisi Manajemen Risiko
• Divisi Special Asset Management
• Divisi Kebijakan
• Credit Review Division
• Risk Management Division
• Special Asset Management Division
• Policy Division
5 Viktor Ebenheizer Fanggidae Direktur Kepatuhan dan • Divisi Legal
Legal (Independen) • Divisi HR Management
Compliance and Legal • Divisi HR Services & Strategy
Director (Independent) • Divisi Kepatuhan & APU PPT
• Legal Division
• HR Management Division
• HR Services & Strategy Division
• Compliance & AML & CFT Division
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Laporan Tata Kelola Perusahaan
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KEBERAGAMAN KOMPOSISI DIVERSITY OF BOARD OF
DIREKSI DIRECTORS COMPOSITION
Keberagaman komposisi anggota Direksi merupakan kombinasi The diversity of the composition of the Board of Directors is
karakteristik yang diinginkan baik dari segi organ Direksi a desirable combination of characteristics both in terms of
maupun anggota Direksi secara individu, sesuai dengan the Board of Directors organs and individual members of the
kebutuhan Perusahaan Terbuka. Keberagaman komposisi Board of Directors, in accordance with the needs of a Public
Direksi Bank telah sesuai dengan Saat ini, Bank memiliki Company. Currently, the Bank has a diverse composition of
komposisi anggota Direksi yang beragam dalam hal keahlian, members of the Board of Directors in terms of expertise,
pengetahuan dan pengalaman yang sesuai pada pembagian knowledge and experience that are appropriate to the division
tugas dan fungsi jabatan Direksi dalam mencapai tujuan Bank. of duties and functions of the Board of Directors in achieving
Keberagaman komposisi Direksi telah memenuhi kriteria the Bank’s objectives. The diversity of the composition of the
sebagaimana diatur dalam Peraturan Otoritas Jasa Keuangan Board of Directors has met the criteria as stipulated in Financial
Nomor 17 tahun 2023 sebagai berikut: Services Authority Regulation Number 17 of 2023 as follows:
• Seluruh anggota Direksi bank berdomisili di Indonesia. • All members of the bank’s Board of Directors are
domiciled in Indonesia.
• Jumlah anggota Direksi lebih dari 3 (tiga) orang. • The number of members of the Board of Directors is
more than 3 (three) people.
• Memiliki pengalaman lebih dari 5 (lima) tahun sebagai • Has more than 5 (five) years of experience as a Bank
Pejabat Eksekutif Bank. Executive Officer.
• Tidak merangkap jabatan sebagai anggota direksi, • Not concurrently serving as a member of the board
anggota dewan komisaris, anggota dewan pengawas of directors, member of the board of commissioners,
syariah, atau pejabat eksekutif pada bank, perusahaan, member of the sharia supervisory board, or executive
dan/atau lembaga lain. officer at a bank, company, and/or other institution.
• Tidak memiliki hubungan keluarga, keuangan, • Has no family, financial, management, ownership and
kepengurusan, kepemilikan dan keluarga sampai family relationships up to the second degree with
dengan derajat kedua dengan pemegang saham, shareholders, Commissioners or other members of
Komisaris maupun sesama anggota Direksi lainnya. the Board of Directors.
MASA JABATAN DIREKSI TERM OF OFFICE OF THE BOARD
OF DIRECTORS
Merujuk pada Anggaran Dasar Bank, masa jabatan anggota Referring to the Bank’s Articles of Association, the term of
Direksi adalah sampai dengan ditutupnya RUPSTke-3 (tiga) office of the members of the Board of Directors is until the
yakni pada tahun 2025. RUPS mempunyai hak untuk closing of the 3rd AGMS in 2025. The GMS has the right to
memberhentikan anggota Direksi sewaktu-waktu sebelum dismiss a member of the Board of Directors at any time before
masa jabatannya berakhir dengan menyebutkan alasannya his/her term of office ends by stating the reasons after the
setelah anggota Direksi yang bersangkutan diberi kesempatan member of the Board of Directors concerned has been given
untuk membela diri dalam RUPS tersebut. Anggota Direksi the opportunity to defend himself/herself at the GMS. Members
yang masa jabatannya telah berakhir dapat diangkat kembali of the Board of Directors whose term of office has expired
oleh RUPS. Sesuai dengan Anggaran Dasar, Masa Jabatan may be reappointed by the GMS. In accordance with the
seorang anggota Direksi berakhir apabila: Articles of Association, the term of office of a member of the
Board of Directors ends when:
a. Meninggal dunia; a. Passed away;
b. Masa jabatannya berakhir; b. His term of office ended;
c. Diberhentikan berdasarkan RUPS; b. Dismissed by GMS;
d. Mengundurkan diri; d. Resigned;
e. Dinyatakan pailit atau ditaruh dibawah pengampuan e. Declared bankrupt or placed under guardianship
berdasarkan suatu keputusan pengadilan; based on a court decision;
f. Tidak lagi memenuhi persyaratan sebagai anggota f. No longer fulfill the requirements as a member of the
Direksi berdasarkan Peraturan Otoritas Jasa Keuangan, Board of Directors based on the Financial Services
Anggaran Dasar, dan peraturan perundang-undangan Authority Regulations, Articles of Association, and
lainnya. other laws and regulations.
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PENGUNGKAPAN HUBUNGAN DISCLOSURE OF AFFILIATED
AFILIASI DIREKSI RELATIONSHIPS OF DIRECTORS
Berdasarkan dengan Peraturan Otoritas Jasa Keuangan No. Based on the Financial Services Authority Regulation No. 17
17 Tahun 2023 tentang Penerapan Tata Kelola Bagi Bank of 2023 concerning the Implementation of Governance for
Umum, Bank wajib mengungkapkan hubungan keluarga dan Commercial Banks, the Bank is required to disclose the family
hubungan keuangan anggota Direksi dengan sesama anggota and financial relationships of members of the Board of Directors
Direksi, anggota Dewan Komisaris dan/atau Pemegang Saham with fellow members of the Board of Directors, members of
Pengendali agar Direksi dapat bertindak secara independen, the Board of Commissioners and/or Controlling Shareholders
profesional, dan dapat terhindar dari benturan kepentingan so that the Board of Directors can act independently,
sehingga keputusan yang dihasilkan dapat lebih objektif tanpa professionally, and can avoid conflicts of interest so that the
ada intervensi dari pihak luar dan bebas dari segala tekanan decisions made can be more objective without any intervention
dari pihak manapun. from outside parties and free from any pressure from any
party.
Pada tahun 2023, Seluruh anggota Direksi tidak memiliki In 2023, all members of the Board of Directors have no
hubungan keuangan, kepengurusan, kepemilikan saham dan/ financial, management, share ownership and/or family
atau hubungan keluarga sampai dengan derajat kedua dengan relationships up to the second degree with members of the
anggota Dewan Komisaris, Direksi dan/atau pemegang saham Board of Commissioners, Board of Directors and/or controlling
pengendali yang dapat mempengaruhi kemampuannya untuk shareholders that may affect their ability to act independently.
bertindak independen. Hubungan afiliasi anggota Direksi Affiliation relationships of members of the Board of Directors
dapat digambarkan pada tabel berikut: can be described in the following table:
Hubungan Keluarga Dengan Hubungan Keuangan Dengan
Family Relationship with Financial Relationship With
Pemegang Pemegang
Dewan Dewan
Saham Saham
Nama Jabatan Komisaris Direksi Komisaris Direksi
Pengendali Pengendali
Name Position Board of Directors Board of Directors
Controlling Controlling
Commissioners Commissioners
Shareholders Shareholders
Ya Tidak Ya Tidak Ya Tidak Ya Tidak Ya Tidak Ya Tidak
Yes No Yes No Yes No Yes No Yes No Yes No
Kasemsri Direktur Utama √ √ √ √ √ √
Charoensiddhi President
Director
Endah Winarni Direktur √ √ √ √ √ √
Marketing
Marketing
Director
Iis Herijati Direktur √ √ √ √ √ √
Operasional
Director of
Operations
Ivan Adrian Direktur Kredit √ √ √ √ √ √
Sumampouw dan Risiko
Director of
Credit and Risk
Viktor Direktur √ √ √ √ √ √
Ebenheizer Kepatuhan dan
Fanggidae Legal
(independen)
Compliance and
Legal Director
(independent)
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PENGUNGKAPAN KEPEMILIKAN DISCLOSURE OF DIRECTORS'
SAHAM DIREKSI SHARE OWNERSHIP
Kebijakan Bank terkait pengungkapan kepemilikan saham Direksi The Bank's policy regarding the disclosure of Directors' share
berpedoman pada Peraturan Otoritas Jasa Keuangan Nomor 17 ownership is guided by the Financial Services Authority Regulation
Tahun 2023 tentang Penerapan Tata Kelola Bagi Bank Umum. Nomor 17 of 2023 concerning the Implementation of Governance
Dalam aspek transparansi Direksi yaitu anggota Direksi wajib for Commercial Banks. In the aspect of transparency of the
mengungkapkan kepemilikan saham yang mencapai 5% (lima Board of Directors, members of the Board of Directors must
persen) atau lebih, baik pada Bank yang bersangkutan maupun disclose share ownership that reaches 5% (five percent) or more,
pada bank dan/atau perusahaan lain, yang berkedudukan di dalam both in the Bank concerned and in other banks and / or companies,
dan di luar negeri. Selain itu Bank juga mengacu pada Peraturan domiciled at home and abroad. In addition, the Bank also refers
Otoritas Jasa Keuangan Nomor 11/POJK.04/2017 tentang Laporan to Financial Services Authority Regulation Number 11/POJK.04/2017
Kepemilikan atau Setiap Perubahan Kepemilikan Saham Perusahaan concerning Ownership Reports or Any Changes in Share
Terbuka jika terdapat perubahan kepemilikannya atas saham Ownership of Public Companies if there is a change in its
Perusahaan Terbuka baik langsung maupun tidak langsung. ownership of Public Company shares, either directly or.
Pada tahun 2024, Pengungkapan kepemilikan saham anggota In 2024, the disclosure of share ownership of members of
Direksi dapat dilihat pada tabel dibawah ini : the Board of Directors can be seen in the table below:
Kepemilikan saham anggota Direksi yang jumlahnya 5% atau
lebih dari modal disetor pada:
Nama Jabatan Share ownership of members of the Board of Directors
Name Position amounting to 5% or more of the paid-up capital in:
Bank lain Perusahaan lain
Bank Maspion
Other banks Other companies
Kasemsri Charoensiddhi Direktur Utama - - -
President Director
Endah Winarni Direktur Marketing - - -
Marketing Director
Iis Herijati Direktur Operasional - - -
Director of Operations
Ivan Adrian Sumampouw Direktur Kredit dan Risiko - - -
Director of Credit and Risk
Viktor Ebenheizer Direktur Kepatuhan dan Legal - - -
Fanggidae (independen)
Compliance and Legal Director
(independent)
PENGUNGKAPAN RANGKAP DISCLOSURE OF DIRECTORS’
JABATAN DIREKSI CONCURRENT POSITIONS
Pada tahun 2024, seluruh anggota Direksi tidak ada yang In 2024, all members of the Board of Directors did not hold
melakukan rangkap jabatan sesuai dengan Peraturan Otoritas concurrent positions in accordance with Financial Services
Jasa Keuangan Nomor 33/POJK.04/2014 tentang Direksi dan Authority Regulation Number 33/POJK.04/2014 concerning
Dewan Komisaris Emiten atau Perusahaan Publik dan Peraturan Directors and Board of Commissioners of Issuers or Public
Otoritas Jasa Keuangan Nomor 17 tahun 2023 tentang Companies and Financial Services Authority Regulation
Penerapan Tata Kelola bagi Bank Umum yaitu : Number 17 of 2023 concerning the Implementation of
Governance for Commercial Banks, namely:
1. Anggota Direksi dilarang merangkap jabatan sebagai 1. Members of the Board of Directors are prohibited from
anggota direksi, anggota dewan komisaris, anggota holding concurrent positions as members of the board
dewan pengawas syariah, atau pejabat eksekutif pada of directors, members of the board of commissioners,
bank, perusahaan, dan/atau lembaga lain. members of the sharia supervisory board, or executive
officers at other banks, companies, and/or institutions.
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2. Anggota Direksi dilarang merangkap jabatan pada 2. Members of the Board of Directors are prohibited from
bidang tugas fungsional pada lembaga keuangan bank holding concurrent positions in functional duties at
dan/atau lembaga keuangan bukan bank yang bank financial institutions and/or non-bank financial
berkedudukan di dalam maupun di luar negeri. institutions domiciled at home or abroad.
3. Anggota Direksi dilarang merangkap jabatan pada 3. Members of the Board of Directors are prohibited from
jabatan lain yang dapat menimbulkan benturan holding concurrent positions in other positions that
kepentingan dalam pelaksanaan tugas sebagai anggota may cause conflicts of interest in the performance of
Direksi. their duties as members of the Board of Directors.
4. pada jabatan lain sesuai dengan ketentuan peraturan 4. in other positions in accordance with the provisions
perundang-undangan. of laws and regulations.
5. Tidak termasuk rangkap jabatan sebagaimana dimaksud 5. Excluding concurrent positions as referred to in the
pada poin pertama dalam hal anggota Direksi yang first point in the event that a member of the Board of
bertanggung jawab terhadap pengawasan atas Directors who is responsible for supervising the Bank’s
penyertaan Bank pada perusahaan anak, menjalankan participation in a subsidiary company, performs
tugas fungsional menjadi anggota Dewan Komisaris functional duties as a member of the Board of
pada perusahaan anak bukan bank yang dikendalikan Commissioners of a non-bank subsidiary company
oleh Bank, sepanjang tidak mengakibatkan yang controlled by the Bank, as long as does not result in
bersangkutan mengabaikan pelaksanaan tugas dan the person concerned neglecting the implementation
tanggung jawab sebagai anggota Direksi Bank. of duties and responsibilities as a member of the
Bank’s Board of Directors.
Pengungkapan rangkap jabatan anggota Direksi pada Bank, Disclosure of concurrent positions of members of the Board
perusahaan dan/atau lembaga lain tercermin dari tabel berikut : of Directors in other banks, companies and/or institutions is
reflected in the following table:
Jabatan di Bank Jabatan lain
Nama Maspion Other positions
Name Position at Bank Di luar Bank Di dalam Bank
Maspion Outside the Bank Inside the Bank
Kasemsri Charoensiddhi Direktur Utama - Ketua Komite Aset dan Liabilitas
President Director Chairman of Asset and Liability Committee
Ketua Komite Manajemen Risiko
Chairman of Risk Management Committee
Ketua Komite Kredit
Credit Committee Chairman
Ketua Komite Pengarah Teknologi Informasi
Chairman of the Steering CommitteeInformation Technology
Ketua Komite Produk dan Kebijakan
Chairman of Product and Policy Committee
Ketua Komite Sumber Daya Manusia
Chairman of the Human Resources committee
Endah Winarni Direktur Marketing - Anggota Komite Manajemen Risiko
Marketing Director Member of Risk Management Committee
Anggota Komite Aset dan Liabilitas
Member of Asset and Liability Committee
Anggota Komite Pengarah Teknologi Informasi
Member of Information Technology Steering Committee
Anggota Komite Kredit
Credit Committee Member
Anggota Komite Produk dan Kebijakan
Member of Product and Policy Committee
Anggota Komite Sumber Daya Manusia
Member of Human Resources Committee
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Jabatan di Bank Jabatan lain
Nama Maspion Other positions
Name Position at Bank Di luar Bank Di dalam Bank
Maspion Outside the Bank Inside the Bank
Iis Herijati Direktur - Anggota Komite Manajemen Risiko
Operasional Member of Risk Management Committee
Director of Anggota Komite Pengarah Teknologi Informasi
Operations Member of Information Technology Steering Committee
Anggota Komite Produk dan Kebijakan
Member of Product and Policy Committee
Anggota Komite Sumber Daya Manusia
Member of Human Resources Committee
Ivan Adrian Sumampouw Direktur Kredit dan - Anggota Komite Aset dan Liabilitas
Risiko Member of Asset and Liability Committee
Director of Credit Anggota Komite Manajemen Risiko
and Risk Member of Risk Management Committee
Anggota Komite Kredit
Credit Committee Member
Anggota Komite Pengarah Teknologi Informasi
Member of Information Technology Steering Committee
Anggota Komite Produk dan Kebijakan
Member of Product and Policy Committee
Anggota Komite Sumber Daya Manusia
Member of Human Resources Committee
Viktor Ebenheizer Direktur Kepatuhan - Anggota Komite Manajemen Risiko
Fanggidae dan Legal Member of Risk Management Committee
(independen) Anggota Komite Produk dan Kebijakan
Compliance and Member of Product and Policy Committee
Legal Director
(independent) Anggota Komite Sumber Daya Manusia
Member of Human Resources Committee
PENILAIAN KINERJA DIREKSI [GRI 2-18] BOARD OF DIRECTORS
PERFORMANCE APPRAISAL
Bank melakukan penilaian sendiri (self-assessment) untuk The Bank conducts a self-assessment to measure the
mengukur pencapaian kinerja yang telah dilaksanakan oleh achievement of performance that has been carried out by
Direksi sebagai bentuk akuntabilitas Direksi dalam pelaksanaan the Board of Directors as a form of accountability of the Board
tugas dan tanggung jawabnya. Penilaian sendiri dilakukan of Directors in the implementation of their duties and
mengacu pada Peraturan Otoritas Jasa Keuangan tentang responsibilities. The self-assessment is conducted in reference
Penerapan Tata Kelola bagi Bank Umum, dimana Bank wajib to the Financial Services Authority Regulation on the
melaksanakan penilaian sendiri implementasi GCG dengan Implementation of Governance for Commercial Banks, where
salah satu faktor penilaian adalah pelaksanaan tugas dan the Bank is required to conduct a self-assessment of GCG
tanggung jawab Direksi. Penilaian kinerja Direksi disampaikan implementation with one of the assessment factors being the
dalam bentuk pertanggungjawaban pelaksanaan tugas dan implementation of the duties and responsibilities of the Board
tanggung jawab pada saat RUPST. Self Assessment dilakukan of Directors. The performance assessment of the Board of
terhadap key indicators seperti pencapaian bisnis, kepatuhan Directors is submitted in the form of accountability for the
terhadap kebijakan internal dan regulator, kualitas kredit, dll. implementation of duties and responsibilities at the AGMS.
The Self Assessment is conducted on key indicators such as
business achievement, compliance with internal and regulatory
policies, credit quality, etc.
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PENILAIAN KINERJA KOMITE DI PERFORMANCE ASSESSMENT OF
BAWAH DIREKSI COMMITTEES UNDER THE BOARD
OF DIRECTORS
Dalam pelaksanaan tugas dan tanggung jawabnya, Direksi In carrying out its duties and responsibilities, the Board of
dibantu komite-komite dibawahnya sesuai dengan tugas dan Directors is assisted by committees in accordance with the
tanggung jawab masing-masing komite. Komite membantu duties and responsibilities of each committee. The committees
Direksi dalam pengambilan keputusan dengan memberikan assist the Board of Directors in making decisions by providing
pendapat yang baik dan bermanfaat dengan melihat kondisi good and useful opinions by looking at internal, external
internal, eksternal, dan peraturan yang berlaku. Pembentukan conditions and applicable regulations. The formation of
komite selalu disesuaikan dan dievaluasi berdasarkan ketentuan committees is always adjusted and evaluated based on
tata kelola yang berlaku. Adapun komite-komite di bawah applicable governance provisions. The committees under the
Direksi terdiri dari: Board of Directors consist of:
a. Komite Aset dan Liabilitas a. Asset and Liability Committee
b. Komite Manajemen Risiko b. Risk Management Committee
c. Komite Kredit c. Credit Committee
d. Komite Produk dan Kebijakan d. Product and Policy Committee
e. Komite Pengarah Teknologi Informasi e. Information Technology Steering Committee
f. Komite Sumber Daya Manusia f. Human Resources Committee
Pembentukan komite-komite tersebut disesuaikan dengan The establishment of these committees is in accordance with
ketentuan tata kelola yang berlaku. Pada tahun 2024, Direksi applicable governance provisions. In 2024, the Board of
menilai kinerja komite-komite dibawah Direksi secara Directors assessed that the overall performance of the
keseluruhan adalah baik dan telah menjalankan tugas dan committees under the Board of Directors is good and has
tanggungjawabanya dalam mendukung efektifitas pelaksanaan carried out its duties and responsibilities in supporting the
tugas Direksi. effective implementation of the duties of the Board of Directors.
Kehadiran Dewan Komisaris
Dan Direksi Dalam RUPS
Attendance of The Board of
Commissioners and Directors in The RUSPS
Selama Tahun 2024, Bank menyelenggarakan 1 (satu) kali During 2024, the Bank held 1 (one) GMS. In the implementation
RUPS. Dalam pelaksanaan RUPST, seluruh anggota Dewan of the AGM, all members of the Board of Commissioners and
Komisaris dan Direksi telah hadir secara fisik dan secara the Board of Directors have attended physically and
elektronik dalam RUPS tersebut. Dengan rincian 1 Anggota electronically in the AGM. With details of 1 Member of the
Komisaris dan Anggota Direksi mengikuti secara elektronik. Board of Commissioners and Member of the Board of Directors
following electronically.
Rapat Dewan Komisaris dan Direksi
Board of Commissioners and Directors Meetings
Dalam melaksanakan rapat Dewan Komisaris dan Direksi, In conducting meetings of the Board of Commissioners and
Bank berpedoman pada Peraturan Otoritas Jasa Keuangan the Board of Directors, the Bank is guided by Financial
Nomor 17 tahun 2023 tentang Penerapan Tata Kelola Bagi Services Authority Regulation Number 17 of 2023 concerning
Bank Umum, yaitu rapat Direksi dilakukan paling sedikit 1 the Implementation of Governance for Commercial Banks,
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(satu) kali dalam setiap bulan, Rapat Dewan Komisaris dilakukan namely the Board of Directors meeting is held at least 1 (one)
paling sedikit 1 (satu) kali dalam 2 (dua) bulan, dan mengadakan time in every month, the Board of Commissioners meeting
rapat gabungan paling sedikit 1 (satu) kali dalam 4 (empat) is held at least 1 (one) time in 2 (two) months, and holds a joint
bulan. Hasil rapat kemudian didokumentasikan dalam notulen meeting at least 1 (one) time in 4 (four) months. The results of
rapat yang ditandatangani oleh anggota Direksi dan anggota the meeting are then documented in the meeting minutes
Dewan Komisaris yang hadir dalam rapat. Selama tahun 2024, signed by members of the Board of Directors and members
tingkat kehadiran rapat anggota Dewan Komisaris, Direksi of the Board of Commissioners who attended the meeting.
maupun rapat gabungan Dewan Komisaris dan Direksi selama During 2024, the attendance rate of meetings of members
tahun 2024 diuraikan sebagai berikut : of the Board of Commissioners, Board of Directors and joint
meetings of the Board of Commissioners and Board of Directors
during 2024 is described as follows:
Frekuensi kehadiran rapat Frequency of attendance
Rapat Dewan Komisaris
Board of Commissioners Meeting
Jumlah Rapat | Number of Meetings 13
Nama Jabatan Jumlah kehadiran
Name Position Total attendance
Chat Luangarpa Komisaris Utama | President Commissioner 13
Diana Alim Komisaris | Commissioner 13
M. Pujiono Santoso Komisaris Independen | Independent Commissioner 13
Alan Jenviphakul Komisaris Independen | Independent Commissioner 13
Pardi Kendy Komisaris Independen | Independent Commissioner 13
Rapat Direksi
Board of Directors Meeting
Jumlah Rapat | Number of Meetings 29
Nama Jabatan Jumlah kehadiran
\Name Position Total attendance
Kasemsri Charoensiddhi Direktur Utama | President Director 29
Endah Winarni Direktur Marketing | Marketing Director 24
Iis Herijati Direktur Operasional | Director of Operations 27
Ivan Adrian Sumampouw Direktur Kredit dan Risiko | Director of Credit and Risk 25
Viktor Ebenheizer Fanggidae Direktur Kepatuhan dan Legal (Independen) 27
Compliance and Legal Director (Independent)
Rapat Gabungan Dewan Komisaris dan Direksi
Joint Meeting of the Board of Commissioners and Board of Directors
Jumlah Rapat | Number of Meetings 11
Nama Jabatan Jumlah kehadiran
Name Position Total attendance
Chat Luangarpa Komisaris Utama | President Commissioner 11
Diana Alim Komisaris | Commissioner 11
M. Pujiono Santoso Komisaris Independen | Independent Commissioner 11
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Nama Jabatan Jumlah kehadiran
Name Position Total attendance
Alan Jenviphakul Komisaris Independen | Independent Commissioner 11
Pardi Kendy Komisaris Independen | Independent Commissioner 11
Kasemsri Charoensiddhi Direktur Utama | President Director 11
Endah Winarni Direktur Marketing | Marketing Director 9
Iis Herijati Direktur Operasional | Director of Operations 11
Ivan Adrian Sumampouw Direktur Kredit dan Risiko | Director of Credit and Risk 10
Viktor Ebenheizer Fanggidae Direktur Kepatuhan dan Legal (Independen) 10
Compliance and Legal Director (Independent)
RAPAT DEWAN KOMISARIS, BOARD OF COMMISSIONERS,
DIREKSI DAN RAPAT GABUNGAN DIRECTORS AND JOINT
MEETINGS
1. Rapat Komisaris 1. Commissioner Meeting
Etika rapat Meeting etiquette
1. Rapat Dewan Komisaris dipimpin oleh Komisaris Utama. 1. The BOC meeting is chaired by the President
Commissioner.
2. Semua biaya sehubungan dengan keperluan rapat 2. All expenses related to meetings organized and/or
yang diselenggarakan dan/atau yang dihadiri oleh attended by members of the Board of Commissioners
anggota Dewan Komisaris menjadi beban Bank. shall be borne by the Bank.
3. Dalam hal Komisaris Utama tidak dapat hadir, maka 3. In the event that the President Commissioner is unable
rapat dipimpin oleh salah seorang anggota Komisaris to attend, the meeting shall be chaired by a member
yang ditunjuk sesuai kesepakatan. of the Commissioners appointed by agreement.
Penyelenggaraan Rapat Meeting Organization
Dalam hal anggota Dewan Komisaris tidak dapat menghadiri In the event that a member of the BOC cannot physically
rapat secara fisik, maka anggota Dewan Komisaris dapat attend the meeting, the member of the BOC may attend
menghadiri rapat dengan menggunakan teknologi the meeting by using teleconference technology, by
telekonferensi, dengan melengkapi hal-hal sebagai berikut: completing the following matters:
a. Dasar keputusan penyelenggaraan rapat dengan a. The basis for the decision to hold a meeting using
menggunakan teknologi telekonferensi, misalnya teleconference technology, for example the minutes
risalah rapat Dewan Komisaris of the Board of meeting
b. Bukti rekaman penyelenggaraan rapat b. Evidence of recorded
c. Kehadiran peserta rapat dalam setiap rapat Dewan c. The attendance of meeting participants in each meeting
Komisaris (baik kehadiran secara fisik maupun melalui of the Board of Commissioners (both physical attendance
telekonferensi) wajib dibuatkan Daftar hadir dan and via teleconference) must be made an attendance
dilampirkan dalam risalah rapat tersebut. list and attached to the minutes of the meeting.
Pemanggilan Rapat Meeting Invitation
1. Undangan atau panggilan Rapat Dewan Komisaris 1. Invitation or summons to the Board of Commissioners
dilakukan oleh Komisaris Utama. Meeting shall be made by the President Commissioner.
2. Undangan atau panggilan Rapat disampaikan kepada 2. The invitation or summons to the Meeting shall be
setiap anggota (atau dalam hal tertentu kepada peserta delivered to each member (or in certain cases to other
rapat lainnya) secara langsung atau melalui faksimili, meeting participants) directly or by facsimile, e-mail
e-mail atau surat, sekurangnya 1 ( satu ) hari sebelum or letter, at least 1 (one) day before the meeting is held.
rapat diadakan.
3. Undangan atau panggilan rapat harus mencantumkan 3. The meeting invitation or call should include the
agenda, tanggal, waktu dan tempat rapat. agenda, date, time and place of the meeting.
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Quorum Rapat dan pengembilan keputusan Meeting quorum and decision making
1. Rapat Dewan Komisaris dapat dilaksanakan apabila 1. Meetings of the Board of Commissioners may be held
dihadiri oleh sekurang-kurangnya 50% (lima puluh if attended by at least 50% (fifty percent) of the members
persen) dari anggota Dewan Komisaris. of the Board of Commissioners.
2. Setiap anggota Dewan Komisaris memiliki 1 (satu) hak 2. Each member of the Board of Commissioners has 1
suara. (one) voting right.
3. Setiap anggota Dewan Komisaris memiliki hak bicara 3. Each member of the Board of Commissioners has the
dan mengutarakan pendapat dalam setiap rapat. right to speak and express opinions in each meeting.
4. Pengambilan keputusan rapat Dewan Komisaris 4. Decision-making of the Board of Commissioners
berdasarkan atas asas musyawarah mufakat. meeting is based on the principle of deliberation to
reach a consensus.
5. Dalam hal tidak terjadi musyawarah mufakat pengambilan 5. In the event that there is no consensus, decision making
keputusan dilalukan berdasarkan suara terbanyak. is carried out based on a vote.
6. Dalam hal terjadi perbedaan pendapat (dissenting 6. In the event of dissenting opinions in a meeting of the
opinions) dalam rapat Direksi, perbedaan tersebut Board of Directors, such differences shall be clearly
wajib dituangkan dalam risalah rapat secara jelas stated in the minutes of the meeting along with the
berikut alasan yang mendasari perbedaan pendapat reasons underlying the dissenting opinions.
tersebut.
7. Segala keputusan rapat Dewan Komisaris, baik yang 7. All decisions of the BOC meeting, whether decided
diputuskan secara musyawarah mufakat atau suara by consensus or majority vote, are binding on all
terbanyak, bersifat mengikat seluruh anggota Dewan members of the BOC.
Komisaris.
Risalah Rapat Meeting Minutes
1. Setiap rapat yang diselenggarakan oleh Komisaris 1. Minutes of each meeting held by the Commissioners
dibuat risalah rapat. are prepared.
2. Salinan risalah rapat anggota Dewan Komisaris harus 2. Copies of the minutes of the BOC meetings must be
didistribusikan kepada seluruh anggota Dewan distributed to all members of the BOC.
Komisaris.
3. Dewan Komisaris (dapat melalui sekretaris Bank) wajib 3. The Board of Commissioners (through the Bank’s
menyimpan secara rahasia seluruh dokumen asli atau secretary) shall keep all original documents or copies
copy-nya, kertas kerja dan/atau laporan dan risalah thereof, working papers and/or reports and minutes
rapat secara rapi, dan ditempatkan pada Kantor Pusat of meetings in a neat manner, and placed at the Bank’s
Bank. Head Office.
2. Rapat Direksi 2. Board of Directors Meeting
Etika rapat Meeting etiquette
1. Rapat Direksi dipimpin oleh Direktur Utama. 1. The Board of Directors meeting is chaired by the
President Director.
2. Dalam hal Direktur Utama tidak dapat hadir, maka 2. In the event that the President Director is unable to
rapat dipimpin oleh salah seorang anggota Direksi attend, the meeting shall be chaired by a member of
yang ditunjuk sesuai kesepakatan. the Board of Directors appointed by agreement.
3. Setiap Kebijakan dan keputusan strategi wajib diputuskan 3. Every policy and strategic decision must be decided
melalui rapat Direksi. through a Board of Directors meeting.
4. Rapat Direksi dan Rapat Umum dapat diadakan atas 4. Meetings of the Board of Directors and General Meetings
permintaan dari Dewan Komisaris may be held at the request of the Board of Commissioners.
5. Semua biaya sehubungan dengan keperluan rapat 5. All expenses related to the meeting held and/or
yang diselengarakan dan/atau yang dihadiri oleh attended by members of the Board of Directors shall
anggota Direksi menjadi Beban Bank. be borne by the Bank.
6. Direksi dapat menghadiri undangan Dewan Komisaris. 6. Directors may attend the invitation of the Board of
Commissioners.
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7. Atas permintaan Dewan Komisaris, Direksi dapat 7. At the request of the Board of Commissioners, the
menghadiri Rapat pemegang saham dalam rangka Board of Directors may attend the shareholders’
penjelasan dan/atau pemaparan hasil kerja Direksi. meeting in order to explain and/or present the work
of the Board of Directors.
Penyelenggaraan Rapat Meeting Organization
1. Rapat Direksi dapat diselenggarakan secara fisik atau 1. Meetings of the Board of Directors may be held physically
dapat dilakukan melalui teleconference, Video or may be conducted through teleconference, video
conference atau sistem komunikasi sejenis yang conference or similar communication systems whose
penggunaannya dapat membuat semua anggota Direksi use can make all members of the Board of Directors
hadir dalam rapat, mendengar, berbicara satu sama present at the meeting, hear, speak to each other and
lain dan keturutsertaan anggota Direksi yang the participation of the relevant member of the Board
bersangkutan dengan cara demikian harus dianggap of Directors in this way shall be deemed to constitute
merupakan kehadiran langsung dari anggota Direksi the direct presence of the member of the Board of
tersebut dalam rapat Direksi JIka selama berlangsungnya Directors at the meeting of the Board of Directors If
rapat terjadi kerusakan atau kegagalan dalam telepon during the meeting there is a malfunction or failure in
konferensi atau sarana komunikasi sejenis, maka hal the conference telephone or similar communication
tersebut tidak mempengaruhi kourum rapat yang telah facilities, it does not affect the meeting kourum that
tercapai sebelum terjadinya kerusakan atau kegagalan has been reached before the malfunction or failure in
dalam telepon konferensi atau sarana komunikasi the conference telephone or similar communication
sejenis dari anggota Direksi yang berpartisipasi dalam facilities of the members of the Directors participating
Rapat Direksi. in the meeting of the Directors.
2. Rapat Direksi dapat dihadiri oleh anggota Dewan 2. Board of Directors meetings may be attended by
Komisaris dan pemegang saham walaupun tanpa members of the Board of Commissioners and
undangan. shareholders even without invitation.
3. Rapat terdiri dari 2 (dua) jenis yaitu : 3. Meetings consist of 2 (two) types, namely
a. Rapat Direksi a. Board of Directors Meeting
1. Dihadiri oleh anggota Direksi, bertujuan untuk 1. Attended by members of the Board of Directors,
menetapkan/memutuskan kebijakan dan aims to establish/decide on strategic policies
keputusan yang bersifat strategis. and decisions.
2. Pada rapat ini Direksi dapat mengundang Deputi 2. In this meeting, the Board of Directors may
Direktur dan/atau divisi tertentu sesuai dengan invite Deputy Directors and / or certain divisions
pembahasan materi dalam rapat. in accordance with the material discussed in
the meeting.
b. Rapat Umum b. General Meeting
1. Dihadiri oleh anggota Direksi dan seluruh Deputi 1. Attended by members of the Board of Directors
Direktur dengan seluruh kepala Divisi, Koordinasi and all Deputy Directors with all division heads,
regional dan/atau Pemimpin cabang. regional coordination and/or branch heads.
2. Rapat bertujuan untuk mendapat arahan dari 2. The meeting aims to obtain direction from the
Direksi kepada seluruh divisi dan kantor cabang Board of Directors to all divisions and branch
atau meminta informasi dan/atau usulan dari offices or request information and/or proposals
divisi dan kantor cabang kepada Direksi. from divisions and branch offices to the Board
of Directors.
3. Rapat Umum diadakan setiap waktu bilamana 3. General Meetings shall be held at any time
dianggap perlu oleh mayoritas anggota Direksi. deemed necessary by a majority of the Board
of Directors.
Pemanggilan Rapat Meeting Invitation
1. Undangan atau panggilan Rapat Direksi dilakukan oleh 1. Invitations or summons to the Board of Directors
Direktur utama, namun dalam hal tertentu undangan Meeting are made by the President Director, but in
atau panggilan tersebut dapat dilakukan oleh Dewan certain cases the invitation or can be made by the
Komisaris. Board of .
2. Undangan atau panggilan Rapat Direksi disampaikan 2. The invitation or summons of the Meeting of the Board
kepada setiap anggota (atau dalam hal tertentu kepada of Directors shall be delivered to each member (or
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peserta rapat lainnya) secara langsung atau melalui in certain cases to other meeting participants) directly
faksmili, E-mail, surat atau media komunikasi lainnya, or by facsimile, E-mail, letter or other communication
sekurangnya 1 (satu) hari sebelum rapat diadakan. media, at least 1 (one) day before the meeting.
3. Undangan atau panggilan Rapat harus mencantumkan 3. Meeting invitations or calls must include the agenda,
agenda, tanggal, waktu dan tempat rapat. date, time and place of the meeting.
Quorum Rapat dan pengambilan keputusan Meeting quorum and decision making
1. Rapat Direksi dapat dilaksanakan apabila dihadiri oleh 1. Meetings of the Board of Directors may be held if
sekurang – kurangnya 50% (lima puluh persen) dari attended by at least 50% (fifty percent) of the members
anggota Direksi. of the Board of Directors
2. Setiap anggota Direksi memiliki 1 (satu) hak suara. 2. Each member of the Board of Directors has 1 (one)
right
3. Setiap anggota Direksi memiliki hak bicara dan 3. Each member of the Board of Directors has the right
menyampaikan pendapat dalam setiap rapat. to speak and express opinions in each meeting.
4. Pengambilan keputusan rapat Direksi berdasarkan 4. Decision making of the Board of Directors meeting is
atas asas musyawarah mufakat. based on the principle of deliberation to reach a consensus.
5. Dalam hal tidak terjadi musyawarah dan mufakat 5. In the event that there is no deliberation and consensus,
pengambilan keputusan dilakukan berdasarkan suara decision making is based on a vote.
terbanyak.
6. Segala keputusan rapat Direksi, baik yang diputuskan 6. All decisions of the Board of Directors meeting, whether
secara musyawarah mufakat atau suara terbanyak, decided by consensus or majority vote, are binding
bersifat mengikat seluruh anggota Direksi. on all members of the Board of Directors.
7. Dalam hal terjadi perbedaan pendapat (dissenting 7. In the event of a dissenting opinion in a meeting of
opinion) dalam rapat Direksi, perbedaan tersebut wajib the Board of Directors, the dissenting opinion must be
dituangkan dalam risalah rapat secara jelas berikut clearly stated in the minutes of the meeting along with
alasan yang mendasari perbedaan pendapat tersebut. the reasons underlying dissenting opinion.
Risalah Rapat Meeting Minutes
1. Setiap rapat yang diselengarakan oleh Direksi dibuat 1. Minutes of each held by the Board of Directors shall
risalah rapat. be drawn up.
2. Kehadiran peserta rapat dalam setiap rapat Direksi 2. The attendance of meeting participants in each meeting
wajib dibuatkan Daftar hadir dan dilampirkan dalam of the Board of Directors must be made an attendance
risalah rapat tersebut. list and attached to the minutes of the meeting.
3. Daftar hadir pada rapat Direksi dapat dilakukan melalui 3. The attendance list at the Board of Directors meeting
QR code maupun tanda tangan basah. can be done through QR code or wet signature.
4. Direksi (dapat melalui sekretaris Bank) wajib menyimpan 4. The Board of Directors (through the Bank’s secretary)
dokumen asli atau copy-nya, kertas kerja dan/atau shall keep the original documents or copies thereof,
laporan dan risalah rapat secara rapi dan ditempatkan working papers and/or reports and minutes of meetings
pada kantor pusat. in a neat manner and placed at the head office.
5. Direksi wajib memberikan laporan atas hasil evaluasi 5. The Board of Directors must provide a report on the
tata kelola Bank serta risalah rapat kepada Komisaris. results of the Bank’s governance evaluation and
minutes of meetings to the Board of Commissioners.
PELATIHAN DEWAN KOMISARIS BOARD OF COMMISSIONERS AND
DAN DIREKSI [OJK E.2][GRI 2-17] DIRECTORS TRAINING
Selama tahun 2024, Dewan Komisaris dan Direksi mengikuti During 2024, the Board of Commissioners and Directors
Program pengembangan kompetensi sebagai berikut : participated in the following competency development
programs:
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Pelatihan Dewan Komisaris Board of Commissioners Training
Nama Program Pelatihan Penyelenggara Waktu
Name Training Program Organizer Date
Chat Luangarpa Refreshment on Anti Money Laundering Program PT Andara Sarana & Div. 18/01/2024
Current Issues and Challenges in the Compliance & AML
Implementation of AML in Banking Industry
Pembekalan Sertifikasi Manajemen Risiko Jenjang IBI BCC 20/08/2024
6 Fast Track BOC – 21/08/2024
Level 6 Fast Track BOC Risk Management
Certification Debriefing
Ujian Sertifikasi Manajemen Risiko Jenjang 6 BOC LSPP 22/08/2024
Risk Management Certification Exam Level 6 BOC
Pembekalan Resertifikasi Manajemen Risiko PT Raharja Duta Solusindo 22/10/2024
Jenjang 7
Level 7 Risk Management Recertification
Debriefing
Ujian Resertifikasi Manajemen Risiko Jenjang 7 LSPP 29/10/2024
Batch 2
Risk Management Recertification Exam Level 7
Batch 2
Diana Alim Refreshment on Anti Money Laundering Program PT Andara Sarana & Div. 18/01/2024
Current Issues and Challenges in the Compliance & AML
Implementation of AML in Banking Industry
Pembekalan Sertifikasi Manajemen Risiko Jenjang IBI BCC 20/08/2024
6 Fast Track BOC – 21/08/2024
Level 6 Fast Track BOC Risk Management
Certification Debriefing
Ujian Sertifikasi Manajemen Risiko Jenjang 6 BOC LSPP 22/08/2024
Risk Management Certification Exam Level 6 BOC
Alan Jenviphakul Refreshment on Anti Money Laundering Program PT Andara Sarana & Div. 18/01/2024
Current Issues and Challenges in the Compliance & AML
Implementation of AML in Banking Industry
Ujian Sertifikasi Manajemen Risiko Jenjang 6 BOC IBI BCC 20/08/2024
Risk Management Certification Exam Level 6 BOC – 21/082024
Ujian Sertifikasi Manajemen Risiko Jenjang 6 BOC LSPP 22/08/2024
Risk Management Certification Exam Level 6 BOC
Pembekalan Resertifikasi Manajemen Risiko PT Raharja Duta Solusindo 22/10/2024
Jenjang 7
Level 7 Risk Management Recertification
Debriefing
Ujian Resertifikasi Manajemen Risiko Jenjang 7 LSPP 29/10/2024
Batch 2
Risk Management Recertification Exam Level 7
Batch 2
Pardi Kendy Refreshment on Anti Money Laundering Program PT Andara Sarana & Div. 18/01/2024
Current Issues and Challenges in the Compliance & AML
Implementation of AML in Banking Industry
Pembekalan Sertifikasi Manajemen Risiko Jenjang IBI BCC 20/08/2024
6 Fast Track BOC – 21/08/2024
Level 6 Fast Track BOC Risk Management
Certification Debriefing
Ujian Sertifikasi Manajemen Risiko Jenjang 6 BOC LSPP 22/08/2024
Risk Management Certification Exam Level 6 BOC
PT Bank Maspion Indonesia Tbk
Integated Report 2024 199
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Laporan Tata Kelola Perusahaan
Good Corporate Governance Report
Nama Program Pelatihan Penyelenggara Waktu
Name Training Program Organizer Date
H. Muhammad Pujiono Refreshment on Anti Money Laundering Program PT Andara Sarana & Div. 18/01/2024
Santoso, IR. MM Current Issues and Challenges in the Compliance & AML
Implementation of AML in Banking Industry
Pembekalan Sertifikasi Manajemen Risiko Jenjang IBI BCC 20/08/2024
6 Fast Track BOC – 21/08/2024
Level 6 Fast Track BOC Risk Management
Certification Debriefing
Ujian Sertifikasi Manajemen Risiko Jenjang 6 BOC LSPP 22/08/2024
Risk Management Certification Exam Level 6 BOC
Pelatihan Direksi Board of Directors Training
Nama Program Pelatihan Penyelenggara Waktu
Name Training Program Organizer Date
Kasemsri Charoensiddhi Bahasa Indonesia Development Program Lingua Learn 19/02/2024
Indonesian Language Development Program – 29/04/2024
Executive Workshop 2024 Board of Directors 12/07/2024
– 14/07/2024
IT Workshop Digital Transformation 2025 Kasikornbank 05/08/2024
Pembekalan Resertifikasi Manajemen Risiko Jenjang 7 PT Raharja Duta Solusindo 22/10/2024
Level 7 Risk Management Recertification Debriefing
Pembekalan Ujian Sertifikasi Treasury Dealer Jenjang 7 APUVINDO 03/09/2024
Treasury Dealer Certification Exam Briefing Level 7
Refreshment on Anti Money Laundering Program PT Andara Sarana & Div. 18/01/2024
Current Issues and Challenges in the Implementation Compliance & AML
of AML in Banking Industry
Team Building Div. Finance & Accounting CFO, Head of Finance and 06/12/2024
Accounting
Training SelfBranding and Brand Communication Pronality Academy 12/01/2024
Ujian Resertifikasi Manajemen Risiko Jenjang 7 Batch 2 LSPP 29/10/2024
Risk Management Recertification Exam Level 7 Batch 2
Pembekalan Ujian Sertifikasi Treasury Dealer Jenjang 7 APUVINDO 03/09/2024
Treasury Dealer Certification Exam Briefing Level 7
Endah Winarni General Terms and Conditions of Credit Facility PT Andara Sarana & Div. 18/01/2024
Compliance & AML
Webinar Outlook Ekonomi dan Keuangan di Tahun OJK Institute 22/02/2024
2024
Economic and Financial Outlook in 2024 Webinar
Webinar Peluang dan Tantangan Pelindungan Data OJK Institute 30/05/2024
Pribadi dalam Transaksi di Era Digital
Webinar on Opportunities and Challenges of Personal
Data Protection in Transactions in the Digital Era
Executive Workshop 2024 Board of Directors 12/07/2024
– 14/07/2024
IT Workshop Digital Transformation 2025 Kasikornbank 05/08/2024
PT Bank Maspion Indonesia Tbk
200 Laporan Tahunan Terintegrasi 2024
Page 201
Nama Program Pelatihan Penyelenggara Waktu
Name Training Program Organizer Date
Iis Herijati Refreshment on Anti Money Laundering Program PT Andara Sarana & Div. 18/01/2024
Current Issues and Challenges in the Implementation Compliance & AML
of AML in Banking Industry
Workshop Operational Directorate Strategy Plan Kasikornbank 24/01/2024
– 25/01/2024
PERBANAS dan BARa Program Penyelarasan Risk BARa 05/06/2024
Manajemen Risiko Jenjang 7 – 06/06/2024
PERBANAS and BARa Level 7 Risk Management
Alignment Program
Executive Workshop 2024 Board of Directors 12/07/2024
– 14/07/2024
IT Workshop Digital Transformation 2025 Kasikornbank 05/08/2024
Sosialisasi POJK No. 22 Tahun 2023 tentang OJK 25/09/2024
Pelindungan Konsumen dan Masyarakat di Sektor Jasa
Keuangan bagi Pelaku Usaha Jasa Keuangan di
Wilayah Surabaya dan Sekitarnya
Socialization of POJK No. 22 of 2023 concerning
Consumer and Community Protection in the Financial
Services Sector for Financial Services Business Actors
in Surabaya and Surrounding Areas
Ujian Resertifikasi Manajemen Risiko Jenjang 7 Batch 3 LSPP 19/11/2024
Risk Management Recertification Exam Level 7 Batch 3
Ivan Adrian Sumampouw Refreshment on Anti Money Laundering Program PT Andara Sarana & Div. 28 - 29 November
Current Issues and Challenges in the Implementation Compliance & AML 18/01/2024
of AML in Banking Industry
PERBANAS dan BARa Program Penyelarasan Risk BARa 05/06/2024
Manajemen Risiko Jenjang 7 – 06/06/2024
PERBANAS and BARa Level 7 Risk Management
Alignment Program
Executive Workshop 2024 Board of Directors 12/07/2024
– 14/07/2024
Team Building Credit & Risk Directorate Integrated Risk 20/12/2024
Viktor Ebenheizer Refreshment on Anti Money Laundering Program PT Andara Sarana & Div. 18/01/2024
Fanggidae Current Issues and Challenges in the Implementation Compliance & AML
of AML in Banking Industry
Penanganan Kejahatan Perbankan dengan Berlakunya FKDKP 29/02/2024
UU P2SK dan POJK No16 Tahun 2023
Handling Banking Crimes with the Enactment of the
P2SK Law and POJK No. 16 of 2023
Webinar Peran Taksonomi untuk Keuangan Berlanjutan OJK Institute 28/03/2024
Indonesia TKBI dalam Mendorong Transisi Energi
Menuju Net Zero Emission Indonesia
Webinar on the Role of TKBI's Taxonomy for
Sustainable Finance in Driving Indonesia's Energy
Transition to Net Zero Emission Indonesia
Optimalisasi Sinergi dan Kolaborasi Mewujudkan PPATK 07/05/2024
Pilkada Serentak Tahun 2024 yang Mendukung
Integrasi Bangsa
Optimizing Synergy and Collaboration to Realize
Simultaneous Regional Elections in 2024 that Support
National Integration
PT Bank Maspion Indonesia Tbk
Integated Report 2024 201
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Laporan Tata Kelola Perusahaan
Good Corporate Governance Report
Nama Program Pelatihan Penyelenggara Waktu
Name Training Program Organizer Date
Focus Group Discussion Perkembangan Stabilitas Bank Indonesia 31/05/2024
Sistem Keuangan dan Kebijakan Makroprudensial
Mendorong Peningkatan Intermediasi di Tengah
Ketidakpastian Global
Focus Group Discussion on the Development of
Financial System Stability and Macroprudential Policy
to Encourage Increased Intermediation Amid Global
Uncertainty
Mastering the Skill of Contract Drafting for Legal Hukumonline 25/06/2024
Professionals – 26/06/2024
Executive Workshop 2024 Board of Directors 12/07/2024
– 14/07/2024
Toastmasters Inside Out Surabaya Toastmasters 17/07/2024
Club
IT Workshop Digital Transformation 2025 Kasikornbank 05/08/2024
Governance Risk and Regulatory Compliance Training Business Education - KG 03/10/2024
Program for Senior Management Solusi – 04/10/2024
Anti Fraud Awareness Unit Kerja Anti Fraud 14/10/2024
– 18/10/2024
Pembekalan Resertifikasi Manajemen Risiko Jenjang 7 PT Raharja Duta Solusindo 22/10/2024
Level 7 Risk Management Recertification Debriefing
Training Fundamentals of Bank Financial Statement PT Andara Sarana 18/12/2024
Analysis
Tata Kelola Remunerasi
Remuneration Governance
Dalam menghadapi dinamika perekonomian global, industri In the face of global economic dynamics, the banking industry
perbankan dituntut untuk memperkuat ketahanan operasional. is required to strengthen operational resilience. One of the
Salah satu langkah yang diambil adalah memperbaiki tata steps taken is to improve governance in the provision of
kelola dalam pemberian Remunerasi. Perbaikan tersebut remuneration. The improvement aims to encourage prudent
bertujuan mendorong pengambilan risiko yang bijaksana risk-taking to maintain the sustainability of the Bank's business.
(prudent risk-taking) guna menjaga keberlanjutan usaha Bank. In addition, to support transparency and in line with international
Selain itu, untuk mendukung transparansi dan sejalan dengan standards, the Bank is committed to disclosing information
standar internasional, Bank berkomitmen mengungkapkan regarding remuneration policies qualitatively and quantitatively.
informasi mengenai kebijakan Remunerasi secara kualitatif
maupun kuantitatif.
Penerapan tata kelola remunerasi yang baik merupakan bagian The implementation of good remuneration governance is part
dari komitmen Bank dalam memberikan imbalan yang kompetitif of the Bank's commitment to provide competitive rewards to
kepada karyawan, anggota Dewan Komisaris, dan anggota employees, members of the Board of Commissioners and
Direksi. Kebijakan ini dirancang untuk mendorong members of the Board of Directors. This policy is designed
pengembangan kualitas sumber daya manusia di seluruh to encourage the development of the quality of human
tingkat organisasi, dengan tetap mengedepankan keselarasan resources at all levels of the organization, while still prioritizing
terhadap nilai-nilai Perseroan, kepatuhan pada peraturan alignment with the values of the Company, compliance with
perundang-undangan, prinsip kehati-hatian, serta mendukung laws and regulations, prudential principles, and supporting
pencapaian target jangka pendek dan jangka panjang Bank. the achievement of the Bank's short and long term targets.
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Dalam pelaksanaannya, pengungkapan tata kelola remunerasi In its implementation, the Bank's remuneration governance
Bank mengacu pada: disclosure refers to:
• Peraturan Otoritas Jasa Keuangan Nomor 45/ • Financial Services Authority Regulation Number 45/
POJK.03/2015 tentang Penerapan Tata Kelola Dalam POJK.03/2015 on the Implementation of Governance
Pemberian Remunerasi bagi Bank Umum. in Providing Remuneration for Commercial Banks.
• Surat Edaran Otoritas Jasa Keuangan Nomor 40/ • Circular Letter of the Financial Services Authority
SEOJK.03/2016 tentang Penerapan Tata Kelola Dalam Number 40/ SEOJK.03/2016 on the Implementation
Pemberian Remunerasi bagi Bank Umum. of Governance in Providing Remuneration for
Commercial Banks.
• Peraturan Otoritas Jasa Keuangan Nomor 17 Tahun • Financial Services Authority Regulation Number 17 of
2023 tentang Penerapan Tata Kelola bagi Bank Umum. 2023 concerning the Implementation of Governance
for Commercial Banks.
• Surat Edaran Otoritas Jasa Keuangan Nomor 13/ • Circular Letter of the Financial Services Authority
SEOJK.03/2017 tentang Penerapan Tata Kelola bagi Number 13/ SEOJK.03/2017 on the Implementation of
Bank Umum. Governance for Commercial Banks.
• Surat Edaran Otoritas Jasa Keuangan Nomor 16/ • Circular Letter of the Financial Services Authority Number
SEOJK.04/2021 tentang Bentuk dan Isi Laporan Tahunan 16/SEOJK.04/2021 concerning the Form and Content
Emiten atau Perusahaan Publik. of the Annual Report of Issuers or Public Companies.
• Kebijakan remunerasi internal Bank melalui Surat • The Bank's internal remuneration policy through Board
Keputusan Direksi No. 109/SK/DIR/12/2016 pada tanggal of Directors Decree No. 109/SK/DIR/12/2016 dated
19 Desember 2016 tentang Tata Kelola Remunerasi. December 19, 2016 on Remuneration Governance.
• Anggaran Dasar Bank. • Bank Articles of Association.
PROSES PENYUSUNAN REMUNERATION POLICY
KEBIJAKAN REMUNERASI [GRI 2-19] DEVELOPMENT PROCESS [GRI 2-19]
Dalam merumuskan kebijakan remunerasi, Bank In formulating the remuneration policy, the Bank considers
mempertimbangkan berbagai faktor, termasuk efektivitas various factors, including the effectiveness of risk management,
manajemen risiko, stabilitas keuangan, kecukupan dan penguatan financial stability, capital adequacy and strengthening, short-
permodalan, kebutuhan likuiditas jangka pendek dan jangka term and long-term liquidity needs, future income prospects,
panjang, prospek pendapatan di masa depan, perbandingan comparison with peer groups, inflation rates, as well as
dengan peer group, tingkat inflasi, serta memastikan kesesuaian ensuring compliance with applicable laws and regulations.
dengan peraturan perundang-undangan yang berlaku.
Bank secara berkala meninjau dan memperbarui kebijakan The Bank periodically reviews and updates the remuneration
remunerasi sesuai kebutuhan, dengan mempertimbangkan policy as needed, taking into account the Bank's performance,
kinerja Bank, kewajaran dibandingkan dengan peer group, fairness compared to peer groups, regulatory changes,
perubahan regulasi, penyesuaian strategi bisnis, dan dinamika business strategy adjustments, and industry dynamics according
industri sesuai kapasitas Bank. Evaluasi terhadap kebijakan to the Bank's capacity. The evaluation of the remuneration
remunerasi dilakukan bersama Kasikorn Bank sebagai perusahaan policy is conducted with Kasikorn Bank as the holding company
induk dan melibatkan konsultan eksternal. Penyesuaian kebijakan and involves external consultants. Policy adjustments include
mencakup aspek-aspek seperti struktur dan skala remunerasi, aspects such as remuneration structure and scale, bonus
mekanisme penetapan bonus, serta kebijakan merit. determination mechanism, and merit policy.
Bank menerapkan tata kelola remunerasi dengan menyusun The Bank implements remuneration governance by preparing
kebijakan remunerasi melalui Surat Keputusan Direksi No. a remuneration policy through Board of Directors Decree No.
109/ SK/DIR/12/2016 tentang Tata Kelola Remunerasi. Dalam 109/ SK/DIR/12/2016 on Remuneration Governance. In the
proses penyusunan kebijakan remunerasi tersebut Bank process of preparing the remuneration policy, the Bank refers
mengacu pada Peraturan Otoritas Jasa Keuangan Nomor 45/ to the Financial Services Authority Regulation Number 45/
POJK.03/2015 tentang Penerapan Tata Kelola Dalam Pemberian POJK.03/2015 on the Implementation of Governance in
Remunerasi bagi Bank Umum. Berdasarkan peraturan tersebut, Providing Remuneration for Commercial Banks. Based on the
maka remunerasi terdiri dari: regulation, the remuneration consists of:
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Laporan Tata Kelola Perusahaan
Good Corporate Governance Report
1. Remunerasi yang bersifat tetap Remunerasi yang tidak 1. Fixed remuneration Remuneration that is not linked
dikaitkan dengan kinerja dan risiko, antara lain gaji to performance and risk, including basic salary, facilities,
pokok, fasilitas, tunjangan perumahan, tunjangan housing allowance, health allowance, education
kesehatan, tunjangan pendidikan, tunjangan hari raya, allowance, holiday allowance, and pension.
dan pensiun.
2. Remunerasi yang bersifat variabel Remunerasi yang 2. Variable remuneration Remuneration that is linked to
dikaitkan dengan kinerja dan risiko, antara lain bonus performance and risk, including bonuses or other
atau bentuk lainnya yang dipersamakan dengan itu. similar forms.
Cakupan Kebijakan Remunerasi dan Remuneration Policy Coverage and
Implementasi per Unit Bisnis dan per Implementation per Business Unit and
Wilayah per Region
Kebijakan remunerasi Bank mencakup anggota Dewan The Bank's remuneration policy covers members of the Board
Komisaris, Direksi, dan seluruh pegawai baik yang berada di of Commissioners, Board of Directors, and all employees both
kantor pusat maupun di kantor cabang yang ada di dalam at the head office and at branch offices in the country and
negeri dan baik di unit bisnis maupun non-bisnis. Bank selalu both in business and non-business units. The Bank always
memastikan kebijakan remunerasi telah diterapkan dengan ensures that the remuneration policy has been implemented
merata, adil, dan seimbang sehingga setiap pegawai evenly, fairly and balanced so that each employee gets the
mendapatkan imbal jasa yang sesuai. Bank saat ini tidak appropriate reward. The Bank currently does not have any
memiliki kantor cabang di luar negeri. overseas branch offices.
Remunerasi Dikaitkan dengan Risiko Remuneration Linked to Risk
Bank dalam memberikan remunerasi kepada pegawai selalu In providing remuneration to employees, the Bank always
mempertimbangkan potensi risiko jabatan yang melekat pada considers the potential risks inherent in the duties and
tugas dan tanggung jawab pegawai. Sehubungan dengan hal responsibilities of employees. In connection with this, the
tersebut, Bank telah menetapkan pihak-pihak yang menjadi Bank has determined the parties who become MRT (Material
MRT (Material Risk Taker) dengan metode kualitatif, penentuan Risk Taker) with a qualitative method, the determination of
kategori tersebut ditentukan berdasarkan tugas dan tanggung the category is determined based on the duties and
jawab organ Bank yang berdampak signifikan terhadap profil responsibilities of Bank organs that have a significant impact
Risiko Bank. Organ Bank yang berperan sebagai Material Risk on the Bank's risk profile. Bank organs that act as Material
Taker (MRT) untuk posisi jabatan sebagai berikut : Risk Taker (MRT) for the following positions:
• Dewan Komisaris • Board of Commissioners
• Direksi • Director
Sebagai MRT, Dewan Komisaris dan Direksi berhak atas As MRT, the Board of Commissioners and Board of Directors
remunerasi dalam bentuk gaji dan tunjangan, pemberian are entitled to remuneration in the form of salaries and
bonus yang besarnya ditentukan berdasarkan kinerja Bank, allowances, bonuses determined based on the Bank's
fasilitas kendaraan dinas dan asuransi kesehatan. performance, official vehicle facilities and health insurance.
Pengukuran Kinerja Dikaitkan dengan Performance Measurement Linked to
Remunerasi Remuneration
Dalam memberikan remunerasi, Bank selalu mempertimbangkan In providing remuneration, the Bank always considers performance
pengukuran kinerja yang disusun berdasarkan pencapaian measurement based on the achievement of the Bank's
kinerja Bank, pencapaian kinerja unit terkait, dan pencapaian performance, the achievement of the performance of related
kinerja individu yang disesuaikan dengan tujuan dan dan units, and the achievement of individual performance adjusted
strategi Bank dengan tetap mempertimbangkan aspek risiko to the Bank's objectives and strategies while taking into account
dan kepatuhan termasuk hasil pemenuhan tindak lanjut temuan risk and compliance aspects including the results of the fulfillment
audit internal dan eksternal. Bank senantiasa melakukan of follow-up on internal and external audit findings. The Bank
review secara berkala terhadap indikator kinerja yang dijadikan always conducts periodic reviews of the performance indicators
dasar dalam menentukan pemberian remunerasi. used as the basis for determining remuneration.
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Penyesuaian Remunerasi Dikaitkan dengan Kinerja dan Risiko Remuneration Adjustments Linked to Performance and Risk
Bank dalam melakukan penyesuaian remunerasi yang dikaitkan The Bank in adjusting remuneration linked to performance
dengan kinerja dan risiko berpedoman pada Peraturan Otoritas and risk is guided by the Financial Services Authority Regulation
Jasa Keuangan Nomor 45/POJK.03/2015 tentang Penerapan Number 45/POJK.03/2015 concerning the Implementation of
Tata Kelola Dalam Pemberian Remunerasi bagi Bank Umum. Governance in Providing Remuneration for Commercial Banks.
Pada implementasinya untuk organ Bank yang ditetapkan In its implementation for the Bank's organs designated as
sebagai sebagai MRT, maka kebijakan remunerasi yang MRT, the remuneration policy linked to performance and risk
dikaitkan dengan kinerja dan risiko adalah sebagai berikut: is as follows:
a. Pemberian bonus diberikan dalam bentuk tunai. a. The bonus is given in cash.
b. Bonus kinerja tahunan ditarik kembali (clawback) sesuai b. The annual performance bonus is clawed back in
kesepakatan antara Bank dengan Pejabat Bank paling accordance with the agreement between the Bank
sedikit untuk periode 1 tahun. Bank dapat menarik and the Bank Officer for at least a period of 1 year.
kembali (clawback) pembayaran remunerasi yang The Bank may clawback variable remuneration
bersifat variabel kepada MRT yang terbukti melakukan payments to MRTs who are found to have committed
Individual Fraud. Individual Fraud.
c. Besaran porsi bonus yang di clawback dari pejabat c. The amount of the portion of the bonus that is clawback
yang ditunjuk sebagai MRT adalah sebesar 3% dari from the official appointed as MRT is 3% of the bonus.
bonus.
Konsultan Eksternal External Consultant
Bank menggunakan jasa konsultan eksternal dari Mercer The Bank uses the services of an external consultant from
Consulting dalam menyusukan kebijakan remunerasi tahun Mercer Consulting in preparing the remuneration policy for
2024 terkait pemberian bonus dan merit. Sedangkan untuk 2024 related to bonus and merit. As for other remuneration
kebijakan remunerasi lainnya, Bank melakukan perbandingan policies, the Bank compares remuneration data with peer
data remunerasi terhadap peer group bank sebagai referensi. group banks as a reference.
Prosedur Penetapan Remunerasi bagi Procedures for Determining
Dewan Komisaris dan Direksi [GRI 2-20] Remuneration for the Board of
Commissioners and Directors [GRI 2-20]
Bank dalam menetapkan remunerasi bagi anggota Dewan The Bank determines the remuneration for members of the
Komisaris dan Direksi adalah melalui Rapat Umum Pemegang Board of Commissioners and Board of Directors through the
Saham Tahunan. Keputusan RUPST Tahun 2023 yaitu Annual General Meeting of Shareholders. The resolution of
menyetujui bahwa kewenangan untuk menetapkan gaji atau the 2023 AGMS is to approve that the authority to determine
honorarium serta tunjangan lain diserahkan kepada pemegang the salary or honorarium and other benefits is submitted to
saham pengendali untuk menetapkan besaran gaji atau the controlling shareholders to determine the amount of salary
honorarium serta tunjangan lain yang akan diberikan oleh or honorarium and other benefits to be provided by the Bank
Bank kepada para anggota Direksi dan Dewan Komisaris. to members of the Board of Directors and Board of
Dalam melakukan penetapan tersebut, pemegang saham Commissioners. In making such determination, the controlling
pengendali mempertimbangkan rekomendasi dari Komite shareholders consider the recommendations of the
Remunerasi dan Nominasi. Remuneration and Nomination Committee.
Secara umum prosedur penetapan remunerasi Dewan Komisaris In general, the procedure for determining the remuneration
dan Direksi dilakukan melalui tahapan sebagai berikut: of the Board of Commissioners and Board of Directors is
carried out through the following stages:
1. Komite Remunerasi dan Nominasi melakukan evaluasi 1. The Remuneration and Nomination Committee evaluates
terhadap kebijakan remunerasi Dewan Komisaris dan the remuneration policy of the Board of Commissioners
Direksi. and Board of Directors.
2. Komite Remunerasi dan Nominasi memberikan 2. The Remuneration and Nomination Committee provides
rekomendasi kepada Dewan Komisaris mengenai recommendations to the Board of Commissioners
kebijakan remunerasi bagi Dewan Komisaris dan Direksi regarding the remuneration policy for the Board of
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dengan memperhatikan kinerja, risiko, kewajaran Commissioners and the Board of Directors by taking
dengan peer group, sasaran dan strategi jangka panjang into account performance, risk, fairness with peer
Bank, pemenuhan cadangan sebagaimana diatur dalam groups, the Bank's long-term goals and strategies, the
peraturan perundang-undangan yang berlaku dan fulfillment of reserves as stipulated in the applicable
potensi pendapatan Bank pada masa yang akan datang. laws and regulations and the Bank's potential income
in the future.
3. Dewan Komisaris akan menyampaikan usulan 3. The Board of Commissioners will submit the proposed
rekomendasi remunerasi tersebut kepada pemegang remuneration recommendation to the controlling
saham pengendali untuk mendapatkan persetujuan. shareholders for approval.
PELAKSANAAN TATA KELOLA IMPLEMENTATION OF
REMUNERASI REMUNERATION GOVERNANCE
1. PAKET REMUNERASI YANG DITERIMA DEWAN 1. REMUNERATION PACKAGE RECEIVED BY THE BOARD
KOMISARIS DAN DIREKSI PADA TAHUN 2024 OF COMMISSIONERS AND DIRECTORS IN 2024
Paket remunerasi dan fasilitas yang diterima oleh Dewan The remuneration package and facilities received by the
Komisaris dan Direksi mencakup struktur remunerasi dan Board of Commissioners and the Board of Directors include
rincian jumlah nominal, sebagaimana dalam tabel di bawah the remuneration structure and details of the nominal
ini: amount, as in the table below:
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 Directors
Orang Jutaan Rp. Orang JMillions Rp.utaan
People Millions Rp. People Rp.
Remunerasi (gaji, bonus, tunjangan rutin dan lainnya 4 4.331.250.000,00 5 20.008.415.000,00
dalam bentuk non natura)
Remuneration (salary, bonus, regular allowances and
other in-kind benefits)
Fasilitas lain dalam bentuk natura (transportasi, asuransi 3 287.546.685,00 5 2.531.718.150,00
kesehatan dan lainnya)
Other facilities in kind (transportation, health insurance,
etc.)
Jumlah | Total 4 4.618.796.685,00 5 22.540.133.150,00
2. PAKET REMUNERASI YANG DIKELOMPOKKAN DALAM 2. REMUNERATION PACKAGE CATEGORIZED INTO INCOME
TINGKAT PENGHASILAN YANG DITERIMA OLEH DEWAN LEVELS RECEIVED BY THE BOARD OF COMMISSIONERS
KOMISARIS DAN DIREKSI DALAM 1 (SATU) TAHUN AND DIRECTORS IN 1 (ONE) YEAR.
Paket remunerasi yang dikelompokkan dalam tingkat The remuneration package is categorized into the level
penghasilan yang diterima oleh Dewan Komisaris dan of income received by the Board of Commissioners and
Direksi dalam 1 (satu) tahun, sebagaimana dalam tabel di Board of Directors in 1 (one) year, as in the table below:
bawah ini:
Remunerasi per orang dalam 1 tahun Jumlah Komisaris Jumlah Direksi
Remuneration per person in 1 year Number of Commissioners Number of Directors
Diatas Rp2 milyar 5
Above IDR 2 billion
Diatas Rp1 milyar – Rp2 milyar 3
Above Rp1 billion - Rp2 billion
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Remunerasi per orang dalam 1 tahun Jumlah Komisaris Jumlah Direksi
Remuneration per person in 1 year Number of Commissioners Number of Directors
Diatas Rp500 juta – Rp1 milyar 1
Above Rp500 million - Rp1 billion
Rp500 juta ke bawah 0 0
IDR 500 million and below
3. PAKET REMUNERASI YANG BERSIFAT VARIABEL YANG 3. VARIABLE REMUNERATION PACKAGE RECEIVED BY
DITERIMA MATERIAL RISK TAKER MRT DALAM 1 (SATU) MRT MATERIAL RISK TAKER IN 1 (ONE) YEAR
TAHUN
Jumlah Diterima dalam 1 (satu) Tahun
Amount Received in 1 (one) Year
Remunerasi yang bersifat variabel
Material Risk Taker
Variable remuneration
Orang Dalam juta Rp
People In million IDR
Jumlah 14 6.460
Total
4. RASIO GAJI TERTINGGI DAN TERENDAH [GRI 405-2] 4. HIGHEST AND SALARY RATIO
Gaji merupakan hak pegawai yang diterima dan dinyatakan Salary is an employee's right received and expressed in
dalam bentuk uang sebagai imbalan dari Bank atau pemberi the form of money as a reward from the Bank or employer
kerja terhadap pegawai yang ditetapkan dan dibayarkan to employees who are determined and paid according to
menurut perjanjian kerja, kesepakatan atau peraturan employment agreements, agreements or laws and
perundang-undangan. Gaji yang diperbandingkan dalam regulations. Salaries compared in the salary ratio are those
rasio gaji adalah imbalan yang diterima oleh Dewan received by the Board of Commissioners, Directors and
Komisaris, Direksi, dan Pegawai, sebagaimana dalam tabel Employees, as shown in the table below:
di bawah ini:
Rasio Kali
Ratio Times
Gaji pegawai tertinggi dan terendah 49.4
Highest and lowest employee salary
Gaji Direksi tertinggi dan terendah 2.4
Highest and lowest Directors' salaries
Gaji Komisaris tertinggi dan terendah 1.0
Highest and lowest Commissioner salary
Gaji Direksi tertinggi dan pegawai tertinggi 3.2
Salary of highest Directors and highest employees
5. REMUNERASI YANG BERSIFAT VARIABEL YANG DIJAMIN 5. VARIABLE REMUNERATION THAT IS GUARANTEED
TANPA SYARAT
Bank tidak memberikan remunerasi yang bersifat variabel The Bank does not provide unconditional guaranteed
yang dijamin tanpa syarat kepada calon Direksi, Dewan variable remuneration to candidates for the Board of
Komisaris, dan/atau Pegawai selama 1 (satu) tahun pertama. Directors, Board of Commissioners, and/or Employees for
the first 1 (one) year.
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6. PEMUTUSAN HUBUNGAN KERJA DAN TOTAL NOMINAL 6. TERMINATION OF EMPLOYMENT AND TOTAL AMOUNT
PESANGON YANG DIBAYARKAN OF SEVERANCE PAY
Tabel Pesangon yang dibayarkan tahun 2024 Table of severance pay paid in 2024
Jumlah Nominal Pesangon yang
Jumlah pegawai
dibayarkan dalam 1 (satu) tahun
Number of employees
Nominal amount of severance pay paid in 1 (one) year
Diatas Rp1 Miliar 2
Above Rp1 Billion
Diatas Rp500 Juta s.d Rp1 miliar 3
Above Rp500 million to Rp1 billion
Rp500 juta kebawah 63
IDR 500 million and below
7. REMUNERASI YANG BERSIFAT VARIABEL YANG 7. DEFERRED VARIABLE REMUNERATION, CONSISTING
DITANGGUHKAN, YANG TERDIRI DARI TUNAI DAN/ OF CASH AND/OR SHARES OR SHARE-BASED
ATAU SAHAM ATAU INSTRUMEN YANG BERBASIS INSTRUMENTS ISSUED BY THE BANK
SAHAM YANG DITERBITKAN BANK
Jumlah Jumlah Opsi
saham yang Number of Options
Keterangan / Nama Dimiliki Harga Opsi (Rp) Jangka waktu
Description / Name Number of Yang Yang telah dieksekusi Option Price (IDR) Time period
shares diberikan Those that have been
Owned What is given executed
Direksi | Directors 48.200 - - - -
Komisaris | Commissioner 0 - - - -
Jumlah | Total 48.200 - - - -
8. TOTAL REMUNERASI VARIABEL YANG DITANGGUHKAN 8. TOTAL DEFERRED VARIABLE REMUNERATION
Tidak terdapat total remunerasi variabel yang ditangguhkan. There is no total deferred variable remuneration. The Bank
Bank menetapkan dapat menarik kembali (clawback) determines that it can clawback variable remuneration
pembayaran remunerasi yang bersifat variabel kepada MRT. payments to MRTs.
9. REMUNERASI BERSIFAT VARIABEL YANG DITANGGUHKAN 9. DEFERRED VARIABLE REMUNERATION PAID OVER 1
YANG DIBAYARKAN SELAMA 1 (SATU) TAHUN (ONE) YEAR
Tidak terdapat remunerasi variabel yang ditangguhkan No deferred variable remuneration was paid as the Bank
yang dibayarkan karena Bank menetapkan dapat menarik determined that it could clawback variable remuneration
kembali (clawback) pembayaran remunerasi yang bersifat payments to MRTs.
variabel kepada MRT.
10. RINCIAN JUMLAH REMUNERASI YANG DIBERIKAN 10. DETAILS OF TOTAL REMUNERATION GIVEN IN 1 (ONE)
DALAM 1 (SATU) TAHUN
Rincian remunerasi kepada MRT adalah sebagai berikut: Details of remuneration to MRTs are as follows:
Rincian Jumlah Remunerasi yang diberikan dalam 1 (satu) tahun
Details of Total Remuneration given in 1 (one) year
Remunerasi bersifat Tetap | Remuneration is Fixed dalam jutaan rupiah | in million rupiah
1. Tunai 22.533
1. Cash
2. Saham/instrument yang berbasis saham yang diterbitkan Bank 0
2. Shares/share-based instruments issued by the Bank
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Rincian Jumlah Remunerasi yang diberikan dalam 1 (satu) tahun
Details of Total Remuneration given in 1 (one) year
Remunerasi yang bersifat variable dalam jutaan rupiah | in million rupiah
Variable remuneration
Tidak ditangguhkan Ditangguhkan
Not deferred Suspended
1. Tunai 6.460 0
1. Cash
2. Saham/instrument yang berbasis saham yang diterbitkan Bank 0 0
2. Shares/share-based instruments issued by the Bank
11. INFORMASI KUANTITATIF 11. QUANTITATIVE INFORMATION
Informasi kuantitatif tersebut mengenai : The quantitative information is about
1. Total sisa remunerasi yang masih ditangguhkan baik 1. Total remaining deferred remuneration exposed to
yang terekspose penyesuaian eksplisit maupun implisit. both explicit and implicit adjustments.
2. Total pengurang remunerasi yang disebabkan karena 2. Total reduction in remuneration due to explicit
penyesuaian eksplisit selama periode laporan. adjustments during the period under review.
3. Total pengurangan remunerasi yang disebabkan karena 3. Total reduction in remuneration due to implicit
penyesuaian implisit selama periode laporan. adjustments during the period under review.
Adapun informasi tersebut adalah sebagai berikut: The information is as follows:
Total Pengurangan Selama Periode laporan
Total deductions during the reporting period
Sisa yang masih
Jenis Remunerasi yang Disebabkan
harus ditangguhkan Disebabkan
bersifat Variabel penyesuaan
Accrued deferred penyesuaian Implisit (B) Total A + B
Types of Variable Eksplisit (A)
balance Caused by Implicit Total A + B
Remuneration Due to Explicit
adjustment (B)
adjustment (A)
Tunai (dalam juta rupiah) - - - -
Cash (in million rupiah)
Saham - - - -
Shares
Nominasi Dewan Komisaris dan Direksi [GRI 2-10]
Nomination of the Board of Commissioners
and Board of Directors[GRI 2-10]
Prosedur nominasi anggota Dewan Komisaris dan Direksi Nomination procedure of the Board of Commissioners and
dilakukan melalui Komite Nominasi dan Remunerasi Bank. Board of Directors' members is taken through the Bank's
Nomination and Remuneration Committee.
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Share Option
Share Option
Share option merupakan opsi untuk membeli saham oleh Share option is an option to purchase shares by members of
anggota Dewan Komisaris, Direksi, dan Pejabat Eksekutif the Board of Commissioners, Board of Directors, and Executive
Bank yang dilakukan melalui penawaran saham atau penawaran Officers of the Bank through a stock offering or stock option
opsi saham dalam rangka pemberian kompensasi yang telah offering in the context of compensation that has been decided
diputuskan dalam RUPS dan/atau Anggaran Dasar. Hingga in the GMS and/or Articles of Association. Until the end of
akhir tahun 2024, Bank Maspion tidak menjalankan program 2024, Bank Maspion did not run a share option program for
share option untuk Dewan komisaris, Direksi, Pejabat Eksekutif, the Board of Commissioners, Directors, Executive Officers,
dan karyawan Bank. and employees of the Bank.
Komite Dibawah Dewan Komisaris
Committees Under The Board of Commissioners
Dalam mendukung kelancaran pelaksanaan tugasnya, Dewan In supporting the smooth implementation of its duties, the
Komisaris dibantu oleh komite-komite di bawah Dewan Board of Commissioners is assisted by committees under the
Komisaris, yakni Board of Commissioners, namely
• Komite Audit • Audit Committee
• Komite Pemantau Risiko • Risk Monitoring Committee
• Komite Remunerasi dan Nominasi • Remuneration and Nomination Committee
Pelaksanaan tugas dan tanggung jawabnya komite-komite The implementation of duties and responsibilities of the
dibawah Dewan Komisaris sudah sesuai dengan Pedoman committees under the Board of Commissioners is in accordance
dan Tata Tertib Kerja/Piagam Komite yang telah disusun dan with the Committee Charter which has been prepared and
ditinjau secara berkala berdasarkan peraturan yang berlaku. reviewed periodically based on the prevailing regulations.
KOMITE AUDIT AUDIT COMMITTEE
Komite Audit adalah komite yang dibentuk dan bertanggung The Audit Committee is a committee formed and responsible
jawab kepada Dewan Komisaris dan ditunjuk oleh Dewan to the Board of Commissioners and appointed by the Board
Komisaris dengan tujuan membantu dan memfasilitasi Dewan of Commissioners with the aim of assisting and facilitating
Komisaris dalam menjalankan tugas dan fungsi pengawasan the Board of Commissioners in carrying out its duties and
atas hal-hal yang terkait dengan laporan keuangan, sistem supervisory functions on matters related to financial statements,
pengendalian internal, pelaksanaan fungsi audit internal dan internal control systems, implementation of internal and
eksternal, memantau atas tindak lanjut hasil temuan audit external audit functions, monitoring the follow-up of audit
serta kepatuhan Perseroan terhadap ketentuan yang berlaku. findings and the Company's compliance with applicable
Selain itu Komite Audit juga melakukan pengawasan terhadap regulations. In addition, the Audit Committee also supervises
tata kelola dan kepatuhan terhadap perundang-undangan governance and compliance with legislation and provides
serta memberikan rekomendasi akuntan publik dari kantor recommendations for public accountants from the right public
akuntan publik yang tepat serta melakukan pengawasan accounting firm and supervises their effectiveness. The Audit
terhadap efektivitasnya. Komite Audit dibentuk melalui Surat Committee was established through the Decree of the Board
Keputusan Direksi No. 055/SK/DIR/06/2024 yang berlaku of Directors No. 055/SK/DIR/06/2024 which is effective from
mulai tanggal 03 Juni 2024 tentang Perubahan Komite Audit. June 3, 2024 regarding the Changes of Audit Committee.
Dasar Pembentukan Komite Audit Basis for The Establishment of The Audit
Committee
Pembentukan Komite Audit mengacu pada : The establishment of the Audit Committee refers :
• Peraturan Otoritas Jasa Keuangan Nomor 55/ • Financial Services Authority Regulation Number 55/
POJK.04/2015 tentang Pembentukan dan Pedoman POJK.04/2015 on the Establishment and Implementation
Pelaksanaan Kerja Komite Audit. Guidelines for the Audit Committee.
• Peraturan Otoritas Jasa Keuangan Nomor 17 tahun • Financial Services Authority Regulation Number 17 of
2023 tentang Penerapan Tata Kelola Bagi Bank Umum. 2023 concerning the Implementation of Governance
for Commercial Banks.
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• Peraturan Otoritas Jasa Keuangan Nomor 1/POJK.03/2019 • Financial Services Authority Regulation Number 1/
tentang Penerapan Fungsi Audit Intern pada Bank POJK.03/2019 concerning the Implementation of the
Umum. Internal Audit Function in Commercial Banks.
• Surat Edaran Otoritas Jasa Keuangan Nomor 13/ • Circular Letter of the Financial Services Authority
SEOJK.03/2017 tentang Penerapan Tata Kelola Bank Number 13/SEOJK.03/2017 on the Implementation of
Umum. Commercial Bank Governance.
• Anggaran Dasar PT Bank Maspion Indonesia Tbk. • Articles of Association of PT Bank Maspion Indonesia Tbk.
• Surat keputusan Direksi No. 055/SK/DIR/06/2024 • Decree of the Board of Directors No. 055/SK/DIR/06/2024
tentang Perubahan Komite Audit. regarding the Changes of Audit Committee Amendment.
Piagam Komite Audit Audit Committee Charter
Komite Audit telah memiliki Piagam Komite Audit yang telah The Audit Committee has an Audit Committee Charter that
diperbarui pada tanggal 17 Januari 2024, sebagai pedoman has been updated on January 17, 2024, as a guideline for
bagi Komite Audit dalam melaksanakan tugas dan tanggung the Audit Committee in carrying out its duties and responsibilities.
jawab. Piagam Komite Audit menguraikan hal-hal terkait The Audit Committee Charter outlines matters related to the
komposisi, keanggotaan, tugas dan tanggung jawab, rapat composition, membership, duties and responsibilities, meetings
dan kehadiran, fungsi dan lingkup tugas anggota Komite Audit, and attendance, functions and scope of duties of the Audit
dll. Pedoman dan Tata Tertib Kerja Komite Audit dikaji dan Committee members, etc. The Audit Committee Charter is
dikinikan secara berkala agar sesuai dengan ketentuan yang reviewed and updated periodically to comply with the prevailing
berlaku dan kebutuhan Bank. regulations and the needs of the Bank.
Tugas dan Tanggung Jawab Komite Duties and Responsibilities of The Audit
Audit Committee
Dalam menjalankan fungsinya, Komite Audit memiliki tugas In carrying out its functions, the Audit Committee has the
dan tanggung jawab sebagai berikut: following duties and responsibilities:
• Melakukan penelaahan atas kualitas dan transparansi • Reviewing the quality and transparency of financial
informasi keuangan yang akan dikeluarkan oleh Bank information to be released by the Bank to the public
kepada publik dan/atau pihak otoritas termasuk menilai and/or authorities, including assessing its compliance
kesesuaiannya dengan standar akuntasi yang berlaku; with applicable accounting standards;
• Memberikan rekomendasi mengenai penunjukan • Provide recommendations regarding the appointment
Akuntan Publik dan Kantor Akuntan Publik yang of Public Accountants and Public Accounting Firms
didasarkan pada independensi, ruang lingkup penugasan based on independence, scope of assignment and
dan imbalan jasa; service fees;
• Melakukan pemantauan dan evaluasi atas rencana • Monitoring and evaluating the work plan and
kerja dan pelaksanaan audit oleh Satuan Kerja Audit implementation of audits by the Internal Audit Work
Internal serta tindak lanjut oleh Direksi atas hasil temuan Unit as well as follow-up by the Board of Directors on
SKAI, Akuntan Publik dan hasil pengawasan otoritas/ the findings of SKAI, Public Accountants and the results
regulator; of supervision by authorities/regulators;
• Memberikan pendapat independen dalam hal terjadi • Provide an independent opinion in the event of a
perbedaan pendapat antara manajemen dan Akuntan difference of opinion between management and the
Publik; Public Accountant;
• Menelaah dan memberikan saran kepada Dewan Komisaris • Review and provide advice to the Board of Commissioners
terkait dengan adanya potensi benturan kepentingan; regarding potential conflicts of interest;
• Melakukan review dan evaluasi pelaksanaan audit • Review and evaluate the implementation of audits by
oleh Akuntan Publik terhadap laporan keuangan; Public Accountants on financial statements;
• Menelaah permasalahan yang berkaitan dengan proses • Review issues related to the Bank's accounting and
akuntansi dan pelaporan keuangan Bank; financial reporting processes;
• Melakukan penelaahan atas ketaatan terhadap peraturan • Reviewing the compliance with laws and regulations
perundang-undangan yang berhubungan dengan related to the Bank's activities;
kegiatan Bank;
• Menjaga kerahasiaan dokumen, data dan informasi • Maintain the confidentiality of the Bank's documents,
Bank. data and information.
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Masa Jabatan Term of Office
Masa jabatan anggota Komite Audit adalah sesuai dengan The term of office of the Audit Committee members is in
masa jabatan Dewan Komisaris kecuali apabila anggota yang accordance with the term of office of the Board of Commissioners
bersangkutan mengundurkan diri atau apabila Dewan Komisaris unless the member concerned resigns or if the Board of
menggunakan haknya untuk memberhentikan anggota Komite Commissioners exercises its right to dismiss Audit Committee
Audit sewaktu-waktu atau merubah susunan keanggotaan members at any time or change the composition of the
komite. committee membership.
Independensi, Keahlian dan Integritas Independence, Expertise and Integrity of
Anggota Komite Audit Committee Members
Seluruh anggota Komite Audit telah memenuhi kriteria All members of the Audit Committee have met the required
independensi, keahlian dan integritas yang dipersyaratkan criteria of independence, expertise and integrity as follows:
sebagai berikut:
• Anggota Komite Audit Bank dari pihak independen • Members of the Bank's Audit Committee from
memiliki kemampuan, pengetahuan dan pengalaman independent parties have supporting skills, knowledge
yang mendukung yaitu dalam bidang akuntansi, and experience in accounting, finance, law and banking.
keuangan, hukum, dan perbankan. • Comply with the Company's code of ethics and the
• Mematuhi kode etik Perseroan dan kode etik Komite Audit Committee's code of ethics established by the
Audit yang ditetapkan oleh Perseroan. Company.
• Memiliki reputasi yang baik dengan tidak masuk dalam • Have a good reputation by not being included in the
daftar orang tercela di bidang perbankan. list of disgraced people in the banking sector.
• Bersifat independen antara lain dibuktikan dengan: • Being independent is evidenced by, among others:
a. Tidak memiliki hubungan afiliasi dengan anggota a. Has no affiliation with members of the Board of
Direksi, Komisaris maupun Pemegang Saham Directors, Commissioners or Major Shareholders.
Utama.
b. Tidak memiliki hubungan usaha baik langsung b. Has no direct or indirect business relationship
maupun tidak langsung yang berkaitan dengan related to the Bank's business activities.
kegiatan usaha Bank.
c. Bukan merupakan orang yang bekerja atau c. Not a person who works or has the authority and
mempunyai wewenang dan tanggung jawab untuk responsibility to plan, lead, control, or supervise
merencanakan, memimpin, mengendalikan, atau the activities of the Bank within the last 6 (six)
mengawasi kegiatan Bank dalam waktu 6 (enam) months, except for Independent Commissioners.
bulan terakhir, kecuali Komisaris Independen.
d. Tidak memiliki saham Bank baik langsung maupun d. No direct or indirect ownership of the Bank's shares.
tidak langsung.
e. Bukan merupakan orang dalam Kantor Akuntan e. Not an insider of a Public Accounting Firm, Legal
Publlik, Kantor Konsultan Hukum, Kantor Jasa Consultant Firm, Public Appraisal Service Firm or
Penilai Publik atau pihak lain yang memberi jasa other parties that provide insurance services, non-
asuransi, jasa non-asuransi, jasa penilai dan/atau insurance services, appraisal services and/or other
jasa konsultasi lain kepada Bank dalam waktu 6 consulting services to the Bank within the last 6
(enam) bulan terakhir. (six) months.
Struktur dan Keanggotaan Komite Audit Structure and Membership of The Audit
Committee
Anggota Komite Audit bank paling sedikit terdiri dari seorang Members of the bank's Audit Committee consist of at least
Komisaris Independen, seorang Pihak Independen yang one Independent Commissioner, an Independent Party with
memiliki keahlian di bidang keuangan atau akuntansi, dan expertise in finance or accounting, and an Independent Party
seorang Pihak Independen yang memiliki keahlian di bidang with expertise in law or banking. In 2024, the Bank made
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hukum atau perbankan. Pada tahun 2024, Bank melakukan changes to the composition of the Audit Committee based
perubahan Susunan Komite Audit bedasarkan Surat Keputusan on the Decree of the Board of Directors No. 055/SK/DIR/06/2024
Direksi No. 055/SK/DIR/06/2024 tentang Perubahan Komite concerning Changes to the Audit Committee stipulated on
Audit yang ditetapkan pada tanggal 3 Juni 2024, maka susunan June 3, 2024, the composition of the Audit Committee members
anggota Komite Audit adalah sebagai berikut: is as follows:
Jabatan Nama Periode Jabatan
Position Name Position Period
Ketua | Chair Alan Jenviphakul 2022-2025
Anggota | Member Pardi Kendy 2022-2025
M. Imam Sofyan 2022-2025
Rony Teja Sukmana 2024-2025
Profil Anggota Komite Audit PROFILE OF AUDIT COMMITTEE MEMBERS
Profil anggota Komite Audit yang merupakan anggota Dewan Profiles of Audit Committee members who are members of
Komisaris telah tersajikan pada bagian Profil Dewan Komisaris the Board of Commissioners have been presented in the
dalam laporan tahunan ini. Profil anggota Komite Audit dari Board of Commissioners Profile section of this annual report.
Pihak Independen adalah sebagai berikut: Profiles of Audit Committee members from Independent
Parties are as follows:
Profil M Imam Sofyan
Data Diri Warga Negara Indonesia, 59 tahun.
Personal Data Indonesian citizen, 59 years old.
Pendidikan • Universitas Gadjah Mada, Yogyakarta (1990), Bachelor of Economics
Education • UPH Surabaya (2018), Certified Financial Planner
• Gadjah Mada University, Yogyakarta (1990), Bachelor of Economics
• UPH Surabaya (2018), Certified Financial Planner
Riwayat Pekerjaan • Regional Internal Auditor Indonesia Timur Bank Niaga (1991 - 2000)
Work History • Branch Manager Bank Niaga Cabang Jember (2000 – 2004)
• Branch Manager Bank Niaga Cabang Medan (2005 - 2007)
• Branch Manager Bank CIMB Niaga Cabang Makassar (2007 – 2009)
• Branch Manager Bank CIMB Niaga Cabang Dharmahusada Surabaya (2009 – 2011)
• Branch Manager Bank CIMB Niaga Cabang Merdeka Malang (2012 – 2015)
• Senior Branch Manager Bank CIMB Niaga Cabang Jember (2015 – 2017)
• Senior Branch Manager Bank CIMB Niaga Cabang Sudirman Surabaya (2017 – 2018)
• Senior Branch Manager Bank CIMB Niaga Cabang Probolinggo Surabaya (2018 – 2020)
• Member of Audit Committee PT Bank Maspion Indonesia Tbk. (2020 – present)
• Regional Internal Auditor East Indonesia Bank Niaga (1991 - 2000)
• Branch Manager of Bank Niaga Jember Branch (2000 - 2004)
• Branch Manager of Bank Niaga Medan Branch (2005 - 2007)
• Branch Manager of Bank CIMB Niaga Makassar Branch (2007 - 2009)
• Branch Manager of Bank CIMB Niaga Dharmahusada Branch Surabaya (2009 - 2011)
• Branch Manager of Bank CIMB Niaga Merdeka Branch Malang (2012 - 2015)
• Senior Branch Manager Bank CIMB Niaga Cabang Jember (2015 – 2017)
• Senior Branch Manager Bank CIMB Niaga Cabang Sudirman Surabaya (2017 – 2018)
• Senior Branch Manager Bank CIMB Niaga Cabang Probolinggo Surabaya (2018 – 2020)
• Member of Audit Committee PT Bank Maspion Indonesia Tbk. (2020 – present)
PT Bank Maspion Indonesia Tbk
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Laporan Tata Kelola Perusahaan
Good Corporate Governance Report
Profil Rony Teja Sukmana
Data Diri Warga Negara Indonesia, 60 tahun.
Personal Data Indonesian citizen, 60 years old.
Pendidikan • Lulusan S1 dari Jurusan Hubungan Internasional, Fakultas Ilmu Sosial & Ilmu Politik, UGM, Yogyakarta
Education • S1 graduate from International Relations Departments, Faculty of Social & Political Science, UGM, Yogyakarta.
Riwayat Pekerjaan • 1989 - 1990 Management Traine, PT Bank Pacific • 1989 - 1990 Management Traine, PT Bank Pacific
Work History • 1990 - 1991 Manager/Auto Sales Head in CSG • 1990 - 1991 Manager/Auto Sales Head in CSG
PT Bank Pacific PT Bank Pacific
• 1991 - 1995 Senior Manager/Consumer Division • 1991 - 1995 Senior Manager/Consumer Division
Head, PT Bank Subentra Head, PT Bank Subentra
• 1995 - 1996 Managing Director, PT Varia Intra • 1995 - 1996 Managing Director, PT Varia Intra
Finance Finance
• 1996 - 1997 Managing Director, Dua Sisi Group / • 1996 - 1997 Managing Director, Dua Sisi Group /
Authorized Money Changer Authorized Money Changer
• 1997 - 2000 AVP/Surabaya Regional Head, • 1997 - 2000 AVP/Surabaya Regional Head,
PT Bank Nusa Nasional PT Bank Nusa Nasional
• PT Bank Danamon Indonesia Tbk • PT Bank Danamon Indonesia Tbk
• 2000 – 2001 AVP/Member of Merger Team • 2000 - 2001 AVP/Member of Merger Team
• 2001 - 2002 AVP/Team Leader of New System • 2001 - 2002 AVP/Team Leader of New System
Project Project
• 2002 - 2003 AVP/Regional Transaction Service • 2002 - 2003 AVP/Regional Transaction Service
Manager Manager
• 2003 – 2004 SAVP/Regional Transaction Service • 2003 - 2004 SAVP/Regional Transaction Service
Manager Manager
• 2004 – 2005 VP/Regional Transaction Service • 2004 - 2005 VP/Regional Transaction Service
Head 2 Head 2
• 2005 - 2008 SVP/Regional Transaction Service • 2005 - 2008 SVP/Regional Transaction Service
Head 1 Head 1
• 2008 - 2009 SVP/Retail Sales & Distribution Head • 2008 - 2009 SVP/Retail Sales & Distribution Head
• 2009 - 2012 SVP/Regional Commercial Head • 2009 - 2012 SVP/Regional Commercial Head
• 2012 - 2012 Head of Syariah Integration Team • 2012 - 2012 Head of Syariah Integration Team
• 2012 - 2013 SVP/Syariah Operation Head • 2012 - 2013 SVP/Sharia Operation Head
• 2007 – 2013 Secretary General Danamon Peduli • 2007 - 2013 Secretary General Danamon Peduli
Foundation Foundation
• PT Bank UOB Indonesia • PT Bank UOB Indonesia
• 2013 - 2016 SVP/Branch Risk Control and Process • 2013 - 2016 SVP/Branch Risk Control and Process
Improvement Head Improvement Head
• 2016 - 2017 Executive Director/Regional Head • 2016 - 2017 Executive Directure/Regional Head
Jakarta 1 Jakarta 1
• 2018 - 2020 Executive Director/Regional Head • 2018 - 2020 Executive Director/Regional Head
Jawa Barat West Java
• 2020 - 2021 Advisor • 2020 - 2021 Advisor
• 2014 - 2022 Certified Assesor for Bank Risk • 2014 - 2022 Certified Assesor for Bank Risk
Management, General Banking, Wealth Management, General Banking, Wealth
Management and Credit Analyst, Lembaga Management and Credit Analyst, Banking
Sertifikasi Profesi Perbankan (LSPP) Professional Certification Institute (LSPP)
• 2021 - 2023 Investment Advisor, West Java • 2021 - 2023 Investment Advisor, West Java
Government Investment Advisor Government Investment Advisor
• 2023 Certified Assessor, Panitia Teknis Uji • 2023 Certified Assessor, Technical Committee for
Kompetensi (PTUK) Bidang Keuangan Competency Test (PTUK) for Financial Sector
• 2023 - sekarang Certified Assessor for Bank Risk • 2023 - Now Certified Assessor for Bank Risk
Management, LSP LSPP Management, LSP LSPP
• 2024 - sekarang Trainer for Bank Risk • 2024 - Now Trainer for Bank Risk Management,
Management, Ikatan Bankir Indonesia Indonesian Bankers Association
• 2024 – sekarang, Anggota Komite Audit Bank • 2024 - present, Member of Audit Committee of
Maspion Bank Maspion
Laporan Pelaksanaan Kegiatan Komite Report on The Implementation of Audit
Audit Tahun 2024 Committee Activities in 2024
Komite Audit telah melakukan review, evaluasi dan pemantauan The Audit Committee has conducted reviews, evaluations
sesuai dengan lingkup tugas dan tanggung jawabnya, sebagai and monitoring in accordance with the scope of its duties
berikut: and responsibilities, as follows:
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214 Laporan Tahunan Terintegrasi 2024
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• Membahas dan memberikan masukan atas hasil • Discuss and provide input on the results of the audit
pelaksanaan audit oleh Kantor Akuntan Publik dan implementation by the Public Accounting Firm and
Akuntan Publik serta rencana kerja SKAI. Public Accountant as well as the SKAI work plan.
• Membahas dan memberikan masukan atas pemaparan • Discuss and provide input on the presentation of the
hasil pelaksanaan audit terhadap laporan keuangan results of the audit of the financial statements by the
oleh Kantor Akuntan Publik. Public Accounting Firm.
• Membahas pemaparan rencana audit terhadap laporan • Discussed the presentation of the audit plan for the
keuangan oleh Kantor Akuntan Publik untuk Right financial statements by the Public Accounting Firm for
Issue III. Right Issue III.
• Mengevaluasi pelaksanaan audit oleh Kantor Akuntan • Evaluate the implementation of the audit by the Public
Publik dan Akuntan Publik untuk keperluan Right Issue. Accounting Firm and Public Accountant for the Right
Issue.
• Memberikan rekomendasi penunjukan Kantor Akuntan • To provide recommendation on the appointment of
Publik dan Akuntan Publik untuk audit Laporan Keuangan Public Accounting Firm and Public Accountant to audit
PT Bank Maspion Indonesia Tbk, yang berakhir pada the Financial Statements of PT Bank Maspion Indonesia
tanggal 31 Desember 2024. Tbk, which will end on December 31, 2024.
• Mengevaluasi realisasi kerja SKAI dan hasil pemeriksaan • Evaluate the realization of SKAI's work and the results
SKAI tahun 2024 dan memberikan rekomendasi fokus of SKAI's examination in 2024 and provide audit focus
audit untuk rencana pemeriksaan kedepannya. recommendations for future examination plans.
• Pemahaman terkait ketentuan Peraturan Otoritas Jasa • Understanding of the provisions of Financial Services
Keuangan Nomor 17 tahun 2023 yang berkaitan dengan Authority Regulation Number 17 of 2023 relating to
Komite Audit. the Audit Committee.
Pendidikan dan/atau Pelatihan Anggota Education and/or Training of Audit
Komite Audit Committee Members
Pendidikan dan program pelatihan anggota Dewan Komisaris The education and training programs of members of the
yang menjadi bagian dari anggota Komite Audit dapat dilihat Board of Commissioners who are part of the Audit Committee
pada bagian pelatihan Dewan Komisaris dan Direksi dalam members can be seen in the training section of the Board of
laporan ini. Pendidikan dan pelatihan anggota Komite Audit Commissioners and Directors in this report. Education and
dari pihak independen adalah sebagai berikut : training of Audit Committee members from independent
parties are as follows:
Nama Program Pelatihan Peyelenggara Waktu
Name Training Program Organizer Date
M Imam Sofyan Family Business Talk : Managing Family Business Asset for UAG 165 4 Juni 2024
Business Growth June 4, 2024
Towards a Thriving Indonesia : Enhancing Human Resources Univ. Merdeka Malang 16 November 2024
through Participatory Development November 16, 2024
Ekonomi Berkelanjutan dan Demokratis. KafeGama 30 November 2024
Sustainable and Democratic Economy. November 30, 2024
Manajemen Waris & Surat Wasiat dalam Perencanaan Keuangan ESQMPP 20 Desember 2024
Inheritance & Will Management in Financial Planning Desember 20, 2024
Tantangan Ekonomi dan Bisnis 2025 Forum Guru Besar dan 30 Desember 2024
Economic and Business Challenges 2025 Doctor INSAN CITA. Desember 30, 2024
Rony Teja Sukmana Ujian Sertifikasi Manajemen Risiko Jenjang 7 LSPP 25 Oktober 2024
Level 7 Risk Management Certification Exam October 25, 2024
Pelatihan Audit Intern level Audit Manager IBI-BCC 2024
Audit Manager level Internal Audit Training
Penyegaran Kompentensi Asesor BNSP 2024
Assessor Competency Refresher
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Laporan Tata Kelola Perusahaan
Good Corporate Governance Report
Rapat Komite Audit Audit Committee Meetings
Selama tahun 2024, Komite Audit telah menyelenggarakan During 2023, the Audit Committee held 13 (thirteen) meetings,
13 (tiga belas) kali pertemuan, yang seluruhnya dihadiri oleh all of which were attended by the Chairman and both members.
Ketua dan kedua anggota. Uraian mengenai kehadiran rapat A description of the attendance of the Audit Committee
Komite Audit adalah sebagai berikut: meetings is as follows:
Frekuensi kehadiran rapat
Frequency of meeting attendance
Jumlah Rapat | Number of Meetings 13
Nama Jabatan Jumlah kehadiran
Name Position Total attendance
Alan Jenviphakul Ketua | Chairman 13
Pardi Kendy Anggota | Member 13
M. Imam Sofyan Anggota | Member 13
Rony Teja Sukmana* Anggota | Member 7
*Rony Teja Sukmana baru diangkat menjadi anggota komite audit pada bulan Juni 2024
*Rony Teja Sukmana was newly appointed as a member of the audit committee in June 2024
KOMITE PEMANTAU RISIKO RISK MONITORING COMMITTEE
Komite Pemantau Risiko dibentuk dan bertanggung jawab The Risk Monitoring Committee is formed and responsible to
kepada Dewan Komisaris dalam rangka mendukung pelaksanaan the Board of Commissioners in order to support the
tugas dan tanggung jawab Dewan Komisaris dengan melakukan implementation of the duties and responsibilities of the Board
evaluasi atas penerapan kebijakan manajemen risiko dengan of Commissioners by evaluating the implementation of risk
pelaksanaan kebijakan Bank serta pemantauan dan evaluasi management policies with the implementation of Bank policies
pelaksanaan tugas Komite Manajemen Risiko dan Satuan as well as monitoring and evaluating the implementation of
Kerja Manajemen Risiko guna memberikan rekomendasi the duties of the Risk Management Committee and Risk
kepada Dewan Komisaris. Management Work Unit in order to provide recommendations
to the Board of Commissioners.
Komite Pemantau Risiko diangkat berdasarkan hasil rapat dan The Risk Monitoring Committee was appointed based on the
keputusan Dewan Komisaris serta ditetapkan dalam surat results of meetings and decisions of the Board of Commissioners
keputusan Direksi No.130/SK/DIR/10/2024 yang berlaku pada and stipulated in the Board of Directors Decree No. 130/SK/
tanggal 01 Oktober 2024 tentang Perubahan Komite Pemantau DIR/10/2024 which is effective on October 1, 2024 regarding
Risiko. Pembentukan Komite Pemantau Risiko adalah salah the Changes of Risk Monitoring Committee. The establishment
satu bentuk kepatuhan pada ketentuan regulator yaitu Peraturan of the Risk Monitoring Committee is a form of compliance
Otoritas Jasa Keuangan Nomor 17 Tahun 2023 tentang with regulatory requirements, namely Financial Services
Penerapan Tata Kelola bagi Bank Umum. Authority Regulation Number 17 of 2023 concerning the
Implementation of Governance for Commercial Banks.
Dasar Pembentukan Komite Pemantau Basis for The Establishment of The Risk
Risiko Monitoring Committee
Pembentukan Komite Pemantau Risiko mengacu pada: The establishment of the Risk Monitoring Committee refers
to:
• Peraturan Otoritas Jasa Keuangan Nomor 17 tahun • Financial Services Authority Regulation Number 17 of
2023 tentang Penerapan Tata Kelola Bagi Bank Umum. 2023 concerning the Implementation of Governance
for Commercial Banks.
• Surat Edaran Otoritas Jasa Keuangan Nomor 13/ • Circular Letter of the Financial Services Authority
SEOJK.03/2017 tentang Penerapan Tata Kelola Bank Number 13/SEOJK.03/2017 on the Implementation of
Umum. Commercial Bank Governance.
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• Anggaran Dasar Bank. • Bank Articles of Association.
• Surat keputusan Direksi No. 130/SK/DIR/10/2024 • Decree of the Board of Directors No 130/SK/DIR/10/2024
tentang Perubahan Komite Pemantau Risiko. regarding the Changes of Risk Monitoring Committee.
Piagam Komite Pemantau Risiko Risk Monitoring Committee Charter
Komite Pemantau Risiko memiliki suatu pedoman dalam The Risk Monitoring Committee has a guideline in carrying
menjalankan tugas dan tanggung jawabnya secara efektif out its duties and responsibilities effectively which has been
yang telah dibuat mengacu pada ketentuan perundang- made in reference to the prevailing laws and regulations and
undangan yang berlaku dan sudah disetujui oleh Dewan has been approved by the Board of Commissioners. The Risk
Komisaris. Piagam Komite Pemantau Risiko menguraikan Monitoring Committee Charter outlines matters related to
hal-hal terkait komposisi, keanggotaan, etika dan kepatutan, composition, membership, ethics and propriety, authority,
wewenang, tugas dan tanggung jawab, rapat komite, dll. Hal- duties and responsibilities, committee meetings, etc. Other
hal lain yang belum diatur dalam pedoman dan tata tertib matters that have not been regulated in the guidelines and
kerja akan ditentukan dengan kebijakan rapat Dewan Komisaris work rules will be determined by the policy of the Board of
hingga dibuatnya perubahan pedoman dan tata tertib kerja Commissioners meeting until changes to the new guidelines
yang baru. and work rules are made.
Tugas dan Tanggung Jawab Komite Duties and Responsibilities of The Risk
Pemantau Risiko Monitoring Committee
Dalam menjalankan fungsinya, Komite Pemantau Risiko memiliki In carrying out its functions, the Risk Monitoring Committee
tugas dan tanggung jawab sebagai berikut : has the following duties and responsibilities:
• Mengevaluasi kesesuaian antara kebijakan manajemen • Evaluate the appropriateness of the risk management
risiko dengan pelaksanaan kebijakan tersebut sehingga policy and the implementation of the policy so as to
dapat memberikan rekomendasi kepada Dewan provide recommendations to the Board of Commissioners
Komisaris mengenai kebijakan manajemen dan regarding the management policy and its implementation
implementasinya untuk memastikan bahwa Bank telah to ensure that the Bank has adequately managed
mengelola risiko secara memadai. risks.
• Melakukan review dan evaluasi serta memberikan • Conduct reviews and evaluations and provide
rekomendasi atas: recommendations on:
• Profil Risiko, termasuk ringkasan matriks risiko • Risk Profile, including a summary of the risk matrix
• Gambaran tingkat risiko yang dihadapi bank serta • An overview of the level of risk faced by the bank
tren risiko yang akan datang and future risk trends
• Pelaksanaan penilaian risiko oleh Satuan Kerja • Implementation of risk assessment by the Risk
Manajemen Risiko Management Unit
• Tindak lanjut hasil penilaian • Follow-up of assessment results
• Mengevaluasi dan menganalisa laporan profil risiko • Evaluate and analyze the risk profile report and the
dan laporan tingkat kesehatan bank serta memberikan bank's soundness report and provide input to the
masukan kepada Dewan Komisaris mengenai risiko Board of Commissioners regarding the main risks
utama yang dihadapi Bank dan rekomendasi langkah- faced by the Bank and recommendations for measures
langkah untuk memitigasi risiko tersebut. to mitigate these risks.
• Mengevaluasi langkah-langkah yang diambil oleh • Evaluate the measures taken by the Board of Directors
Direksi dalam rangka memenuhi peraturan otoritas in order to comply with the authority's regulations
yang berkaitan dengan manajemen risiko. relating to risk management.
• Memantau dan mengevaluasi laporan dari pelaksanaan • Monitor and evaluate reports on the performance of
kinerja Satuan Kerja Manejemen Risiko dan Komite the Risk Management Unit and Risk Management
Manajemen Risiko guna memberikan rekomendasi Committee to provide recommendations to the Board
kepada Dewan Komisaris. of Commissioners.
• Wajib melaporkan kepada Dewan Komisaris dalam hal • Must report to the Board of Commissioners in the event
mengetahui terjadinya pelanggaran atas peraturan of knowledge of violations of banking regulations,
dibidang perbankan, peraturan internal bank, atau internal bank regulations, or violations in the
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Laporan Tata Kelola Perusahaan
Good Corporate Governance Report
pelanggaran dalam pelaksanaan operasional Bank implementation of the Bank's operations that may
yang dapat merugikan atau membahayakan harm or endanger the continuity of the Bank.
kelangsungan Bank.
• Melakukan pemantauan terhadap risk appetite dan • Monitoring the Bank's risk appetite and risk tolerance.
risk tolerance Bank.
• Mengevaluasi kebijakan dan strategi manajemen risiko • Evaluate the Bank's risk management policies and
Bank. strategies.
Independensi, Keahlian dan Integritas Independence, Expertise and Integrity of
Anggota Komite Pemantau Risiko Risk Monitoring Committee Members
Seluruh anggota Komite Pemantau Risiko telah memenuhi All members of the Risk Monitoring Committee have met the
kriteria independensi, keahlian dan integritas yang dipersyaratkan required criteria of independence, expertise and integrity as
sebagai berikut: follows:
• Bersifat independen antara lain dibuktikan dengan: • Being independent is evidenced by, among others:
a. Tidak memiliki hubungan afiliasi dengan anggota a. Has no affiliation with members of the Board of
Direksi, Komisaris maupun Pemegang Saham Directors, Commissioners or Major Shareholders.
Utama.
b. Tidak memiliki hubungan usaha baik langsung b. Has no direct or indirect business relationship
maupun tidak langsung yang berkaitan dengan related to the Bank's business activities.
kegiatan usaha Bank.
c. Tidak berasal dari mantan anggota Direksi Bank. c. Not from former members of the Bank's Board of
Directors.
d. Tidak memiliki saham Bank baik langsung maupun d. No direct or indirect ownership of the Bank's shares.
tidak langsung.
• Memiliki reputasi yang baik dengan tidak masuk dalam • Have a good reputation by not being included in the
daftar orang tercela di bidang perbankan. list of disgraced people in the banking sector.
• Anggota Komite Pemantau Risiko Bank dari pihak • Members of the Bank's Risk Monitoring Committee
independen mempunyai kemampuan, pengetahuan from independent parties have the ability, knowledge
dan pengalaman yang mendukung yaitu dalam bidang and experience in accounting, finance and risk
akuntansi, keuangan dan manajemen risiko. management.
Struktur dan Keanggotaan Komite Structure and Membership of The Risk
Pemantau Risiko Monitoring Committee
Anggota dan komposisi serta independensi anggota Komite The members and composition as well as the independence
Pemantau Risiko sudah memenuhi ketentuan yang berlaku. of the members of the Risk Monitoring Committee have met
Pada tahun 2024, Komite Pemantau Risiko beranggotakan 6 the prevailing regulations. In 2024, the Risk Monitoring
anggota, yaitu 1 (satu) Komisaris Independen sebagai ketua Committee consisted of 6 members, namely 1 (one) Independent
komite, 1 (satu) Komisaris Utama, 1 (satu) Komisaris Independen, Commissioner as the chairman of the committee, 1 (one)
1 (satu) Komisaris, dan 2 (dua) orang anggota dari pihak President Commissioner, 1 (one) Independent Commissioner,
independen dengan kompetensi dan kualifikasi di bidang 1 (one) Commissioner, and 2 (two) members from independent
keuangan dan manajemen risiko serta memiliki integritas, parties with competence and qualifications in finance and
akhlak dan moral yang baik. Pada tahun 2024, Bank melakukan risk management and have integrity, morals and good character.
perubahan Susunan Komite Pemantau Risiko bedasarkan In 2024, the Bank made changes to the composition of the
Surat Keputusan Direksi No. 130/SK/DIR/10/2024 tentang Risk Monitoring Committee based on the Decree of the Board
Perubahan Komite Pemantau Risiko yang ditetapkan pada of Directors No. 130/SK/DIR/10/2024 concerning Changes to
tanggal 1 Oktober 2024, maka susunan anggota Komite the Risk Monitoring Committee which was established on
Pemantau Risiko adalah sebagai berikut: October 1, 2024, the composition of the Risk Monitoring
Committee members is as follows:
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Jabatan Nama Periode Jabatan
Position Name Position Period
Ketua | Chair Alan Jenviphakul - Komisaris Independen | Independent Commissioner 2022-2025
Anggota | Member Chat Luangarpa - Komisaris Utama | President Commissioner 2022-2025
Diana Alim - Komisaris | Commissioner 2022-2025
Muhammad Pujiono Santoso - Komisaris Independen | Independent Commissioner 2022-2025
Wijani Tjendro - Pihak Independen | Independent Party 2024-2025
Anggraeni - Pihak Independen | Independent Party 2022-2025
Profil Anggota Komite Pemantau Risiko Risk Monitoring Committee Member Profile
Profil anggota Komite Pemantau Risiko yang merupakan Profiles of Risk Monitoring Committee members who are
anggota Dewan Komisaris dapat dilihat pada bagian Profil members of the Board of Commissioners can be found in the
Dewan Komisaris dalam laporan tahunan ini. Profil anggota Board of Commissioners Profile section of this annual report.
Komite Pemantau Risiko dari Pihak Independen adalah sebagai The profiles of Risk Monitoring Committee members from
berikut: Independent Parties are as follows:
Profil Anggraeni
Data Diri Warga Negara Indonesia, 57 tahun.
Personal Data Indonesian citizen, 57 years old.
Pendidikan • Brawijaya University, Malang (1990), Associate Degree of Accounting
Education • STIE Perbanas, Surabaya (2002), Bachelor's Degree of Management
• Airlangga University, Surabaya (2004), Master Degree of Management
• Airlangga University, Surabaya (2022), Doctoral Degree of Management Science
• Brawijaya University, Malang (1990), Associate Degree of Accounting
• STIE Perbanas, Surabaya (2002), Bachelor's Degree of Management
• Airlangga University, Surabaya (2004), Master Degree of Management
• Airlangga University, Surabaya (2022), Doctoral Degree of Management Science
Riwayat • 1996 - 2000: Exim Department Head PT Bank Tiara Asia
Pekerjaan • 2004 - present: Lecturer - Lecturer at STIE Perbanas Surabaya
Work History • 2007 - 2010: General Treasurer of Forum of Economics Lecturers Se-Surabaya (FORDES - ISEI)
• 2008 - 2010: Secretary of Postgraduate Program STIE Perbanas Surabaya
• 2010: Consultant of Financial Services Cooperative of Cooperative and UMKM Office of East Java province
• 2010 - 2012: Head of Bank Laboratory STIE Perbanas Surabaya
• 2010 - 2013: Treasurer III ISEI Surabaya Branch East Java Coordinator
• 2012 - 2016: Director of Center for Applied Banking and Management (CABM) STIE Perbanas, Surabaya
• 2013 - 2016 Treasurer II ISEI Surabaya Branch East Java Coordinator
• 2016 - sekarang: Treasurer II ISEI Surabaya Branch
• 2018 - sekarang: Risk Monitoring Committee Member PT Bank Maspion Indonesia Tbk
• 1996 - 2000: Exim Department Head PT Bank Tiara Asia
• 2004 - present: Lecturer - Lecturer at STIE Perbanas Surabaya
• 2007 - 2010: General Treasurer of Forum of Economics Lecturers Se-Surabaya (FORDES - ISEI)
• 2008 - 2010: Secretary of Postgraduate Program STIE Perbanas Surabaya
• 2010: Consultant of Financial Services Cooperative of Cooperative and UMKM Office of East Java province.
• 2010 - 2012: Head of Bank Laboratory STIE Perbanas Surabaya
• 2010 - 2013: Treasurer III ISEI Surabaya Branch East Java Coordinator
• 2012 - 2016: Director of Center for Applied Banking and Management (CABM) STIE Perbanas, Surabaya
• 2013 - 2016 Treasurer II ISEI Surabaya Branch East Java Coordinator
• 2016 - present: Treasurer II ISEI Surabaya Branch
• 2018 - present: Risk Monitoring Committee Member PT Bank Maspion Indonesia Tbk
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Profil Wijani Tjendro
Data Diri Warga Negara Indonesia, 59 tahun.
Personal Data Indonesian citizen, 59 years old.
Pendidikan • Surabaya University, Surabaya, Bachelor of Economics
Education • Swiss German University, Tangerang, Master Degree of Management
• Surabaya University, Surabaya, Bachelor of Economics
• Swiss German University, Tangerang, Master Degree of Management
Riwayat Pekerjaan • 2024 - sekarang : Member of Risk Monitoring Committee, PT Bank Maspion Indonesia Tbk
Work History • 2023 - sekarang : Ciputra University as Lecturer for Finance related modules in International Business
Management
• 2022 - sekarang : Self Employed as owner of Now of FnB business outlets in Surabaya
• 2020 - sekarang : Voluntary Work in Now : Voluntary Work in St Yakobus Church and St Yohanes Penginjil
Surabaya
• 2008 - 2020 : Bank Permata as Senior Vice President Regional Head for East Java
• 1990 - 2008 : Maybank (ex Bank International Indonesia) Regional Sales Head for East Java, Bali, Mataram
and Kupang
• 2024 - present : Member of Risk Monitoring Committee, PT Bank Maspion Indonesia Tbk
• 2023 - present : Ciputra University as Lecturer for Finance related modules in International Business
Management
• 2022 - present : Self Employed as owner of Now of FnB business outlets in Surabaya
• 2020 - present : Voluntary Work in Now : Voluntary Work in St. James Church and St. John the Evangelist
Surabaya
• 2008 - 2020 : Bank Permata as Senior Vice President Regional Head for East Java
• 1990 - 2008 : Maybank (ex Bank International Indonesia) Regional Sales Head for East Java, Bali, Mataram
and Kupang.
Pelaksanaan Kegiatan Komite Pemantau Implementation of Risk Monitoring
Risiko Committee Activities
Komite Pemantau Risiko telah melakukan review, evaluasi The Risk Monitoring Committee has conducted reviews,
dan pemantauan sesuai dengan lingkup tugas dan tanggung evaluations and monitoring in accordance with the scope of
jawabnya, sebagai berikut: its duties and responsibilities, as follows:
• Melakukan evaluasi terhadap Profil Risiko Triwulanan • Evaluate the Quarterly Risk Profile including credit
termasuk terkait risiko kredit, risiko likuiditas, risiko risk, liquidity risk, compliance risk, market risk, legal
kepatuhan, risiko pasar, risiko hukum, risiko reputasi, risk, reputation risk, operational risk, and strategic
risiko operasional, dan risiko stratejik. risk.
• Melakukan pembahasan mengenai Rencana Kerja • Discussed the Work Plan of the Risk Monitoring
Komite Pemantau Risiko pada tahun 2023 Committee in 2023.
• Melakukan pembahasan mengenai Risk Roadmap • Discussed the Bank's Risk Roadmap
Bank
• Melakukan pemantauan terhadap Risk appetite dan • Monitoring the Bank's risk appetite and risk tolerance.
risk tolerance Bank
• Melakukan Pemantauan terhadap Loan Portfolio Report • Monitoring Loan Portfolio Report and Market and
serta Market and Liquidity Risk overview Liquidity Risk overview.
• Melakukan pembahasan mengenai rencana Kerja dan • Discussing the Work plan and framework for operational
kerangka kerja operational risk dan IT risk risk and IT risk.
Rapat Komite Pemantau Risiko Risk Monitoring Committee Meeting
Selama tahun 2024, Komite Pemantau Risiko telah During the year, the Risk Monitoring Committee held 12 (twelve)
menyelenggarakan 12 (dua belas) kali pertemuan, yang meetings, all of which were attended by the Chairman and
seluruhnya dihadiri oleh Ketua dan anggota lainnya. Uraian other members. A description of the attendance of the Risk
mengenai kehadiran rapat Komite Pemantau Risiko adalah Monitoring Committee meetings is as follows:
sebagai berikut:
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220 Laporan Tahunan Terintegrasi 2024
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Frekuensi kehadiran rapat
Frequency of meeting attendance
Jumlah Rapat | Number of Meetings 12
Nama Jabatan Jumlah kehadiran
Name Position Total attendance
Alan Jenviphakul Ketua | Chairman 12
Chat Luangarpa Anggota | Member 11
M. Pujiono Santoso Anggota | Member 12
Anggraeni Anggota | Member 11
Diana Alim Anggota | Member 10
Wijani Tjendro* Anggota | Member 2
*Wijani Tjendro baru diangkat menjadi anggota komite pemantau risiko pada bulan Oktober 2024
*Wijani Tjendro was newly appointed as a member of the risk monitoring committee in October 2024
Pendidikan dan/atau Pelatihan Anggota Education and/or Training of Risk
Komite Pemantau Risiko Monitoring Committee Members
Pendidikan dan pelatihan anggota Dewan Komisaris yang The education and training of members of the Board of
menjadi bagian dari anggota Komite Pemantau Risiko dapat Commissioners who are part of the Risk Monitoring Committee
dilihat pada bagian pelatihan Dewan Komisaris dan Direksi members can be seen in the training section of the Board of
dalam laporan tahunan ini. Pendidikan dan pelatihan anggota Commissioners and Directors in this annual report. Education
Komite Pemantau Risiko dari pihak independen adalah sebagai and training of Risk Monitoring Committee members from
berikut : independent parties are as follows:
Nama Program Pelatihan Peyelenggara Waktu
Name Training Program Organizer Date
Anggraeni Pembekalan Sertifikasi Manajemen Risiko Jenjang 4 Arfaidham Secret 14 November 2024
Level 4 Risk Management Certification Debriefing November 14, 2024
KOMITE REMUNERASI DAN REMUNERATION AND
NOMINASI NOMINATION COMMITTEE
Komite Remunerasi dan Nominasi merupakan komite yang The Remuneration and Nomination Committee is a committee
dibentuk Dewan Komisaris dengan fungsi untuk membantu formed by the Board of Commissioners with a function to
pelaksanaan dan pengawasan kegiatan yang berkaitan dengan assist in the implementation and supervision of activities
remunerasi dan nominasi dengan memperhatikan ketentuan related to remuneration and nomination with due observance
yang berlaku. Masa jabatan anggota Komite Remunerasi dan of applicable regulations. The term of office of the members
Nominasi adalah akan berakhir bersamaan dengan berakhirnya of the Remuneration and Nomination Committee shall expire
masa jabatan Dewan Komisaris, kecuali apabila anggota yang simultaneously with the expiration of the term of office of the
bersangkutan mengundurkan diri atau apabila Dewan Komisaris Board of Commissioners, unless the member concerned
menggunakan haknya untuk memberhentikan anggota Komite resigns or if the Board of Commissioners exercises its right
Remunerasi dan Nominasi sewaktu-waktu atau merubah to dismiss the members of the Remuneration and Nomination
susunan keanggotaan komite. Pembentukan Komite Remunerasi Committee at any time or change the composition of the
dan Nominasi adalah salah satu bentuk kepatuhan pada committee membership. The establishment of the Remuneration
ketentuan regulator yaitu Peraturan Otoritas Jasa Keuangan and Nomination Committee is a form of compliance with
Nomor 17 tahun 2023 tentang Penerapan Tata Kelola bagi regulatory requirements, namely Financial Services Authority
Bank Umum. Regulation Number. 17 of 2023 concerning the Implementation
of Governance for Commercial Banks.
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Laporan Tata Kelola Perusahaan
Good Corporate Governance Report
Dasar Pembentukan Komite Remunerasi Basis for The Establishment of The
dan Nominasi Remuneration and Nomination
Committee
Pembentukan Komite Remunerasi dan Nominasi mengacu The establishment of the Remuneration and Nomination
pada peraturan-peraturan berikut ini : Committee refers to the following regulations:
• Peraturan Otoritas Jasa Keuangan Nomor 34/ • Financial Services Authority Regulation Number 34/
POJK.04/2014 tanggal 8 Desember 2014 tentang POJK.04/2014 dated December 8, 2014 regarding the
Komite Nominasi dan Remunerasi Emiten atau Nomination and Remuneration Committee of Issuers
Perusahaan Publik. or Public Companies.
• Peraturan Otoritas Jasa Keuangan Nomor 17 tahun • Financial Services Authority Regulation Number 17 of
2023 tentang Penerapan Tata Kelola Bagi Bank Umum. 2023 concerning the Implementation of Governance
for Commercial Banks.
• Surat Edaran Otoritas Jasa Keuangan Nomor 13/ • Circular Letter of the Financial Services Authority
SEOJK.03/2017 tentang Penerapan Tata Kelola Bagi Number 13/SEOJK.03/2017 on the Implementation of
Bank Umum. Governance for Commercial Banks.
• Peraturan Otoritas Jasa Keuangan Nomor 045/ • Financial Services Authority Regulation Number 045/
POJK.03/2015 tentang Penerapan Tata Kelola dalam POJK.03/2015 on the Implementation of Governance
Pemberian Remunerasi bagi Bank Umum. in Remuneration for Commercial Banks.
• Surat Edaran Otoritas Jasa Keuangan Nomor 40/ • Circular Letter of the Financial Services Authority Number
SEOJK.03/2016 tentang Penerapan Tata Kelola dalam 40/SEOJK.03/2016 on the Implementation of Governance
Pemberian Remunerasi bagi Bank Umum. in Providing Remuneration for Commercial Banks.
• Anggaran Dasar Bank. • Bank Articles of Association.
• Surat keputusan Direksi No. 159/SK/KOM/12/2024 • Decree of the Board of Directors No. 159/SK/
tentang Perubahan Komite Remunerasi dan Nominasi. KOM/12/2024 regarding the Changes of Remuneration
and Nomination Committee.
Piagam Komite Remunerasi dan Remuneration and Nomination
Nominasi Committee Charter
Komite Nominasi dan Remunerasi memiliki suatu Pedoman The Nomination and Remuneration Committee has a working
Kerja berupa Piagam Komite Nominasi dan Remunerasi dalam guideline in the form of a Nomination and Remuneration
menjalankan tugas dan tanggung jawabnya yang telah dibuat Committee Charter in carrying out its duties and responsibilities
mengacu pada ketentuan perundang-undangan yang berlaku which has been made in reference to the prevailing laws and
dan sudah disetujui oleh Dewan Komisaris. Piagam Komite regulations and has been approved by the Board of
Remunerasi dan Nominasi menguraikan hal-hal terkait komposisi, Commissioners. The Nomination and Remuneration Committee
keanggotaan, etika dan kepatutan, wewenang, tugas dan Charter outlines matters related to composition, membership,
tanggung jawab, rapat komite, dll. Piagam Komite Nominasi ethics and appropriateness, authority, duties and responsibilities,
dan Remunerasi ini dikaji dan dikinikan secara berkala oleh committee meetings, etc. The Nomination and Remuneration
Dewan Komisaris agar fungsi Komite Nominasi dan Remunerasi Committee Charter is reviewed and updated periodically by
dapat dilaksanakan pada tingkat yang optimal sesuai dengan the Board of Commissioners so that the functions of the
ketentuan perundangan terkait yang berlaku. Nomination and Remuneration Committee can be carried out
at an optimal level in accordance with the relevant applicable
laws and regulations.
Tugas dan Tanggung Jawab Komite Duties and Responsibilities of The
Remunerasi dan Nominasi Remuneration and Committee
Dalam menjalankan fungsinya, Komite Remunerasi dan Nominasi In carrying out its functions, the Remuneration and Nomination
memiliki tugas dan tanggung jawab sebagai berikut : Committee has the following duties and responsibilities:
• Melakukan evaluasi terhadap kebijakan Remunerasi • Evaluate the remuneration policy based on financial
yang didasarkan atas kinerja keuangan, prestasi kerja performance, individual work performance, fairness
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222 Laporan Tahunan Terintegrasi 2024
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individual, kewajaran dengan peer group, pertimbangan with peer groups, consideration of the Bank's long-
sasaran dan strategi jangka panjang Bank, pemenuhan term goals and strategies, fulfillment of reserves as
cadangan sebagaimana diatur dalam peraturan stipulated in laws and regulations and the Bank's
perundang-undangan dan potensi pendapatan Bank future income potential.
di masa yang akan datang.
• Menyampaikan hasil evaluasi dan rekomendasi kepada • Submit evaluation results and recommendations to
Dewan Komisaris mengenai: the Board of Commissioners regarding:
a. Kebijakan remunerasi bagi Dewan Komisaris dan a. Remuneration policy for the Board of Commissioners
Direksi untuk disampaikan kepada RUPS and Board of Directors to be submitted to the GMS.
b. Kebijakan remunerasi bagi Pejabat Eksekutif dan b. remuneration policy for Executive Officers and
pegawai secara keseluruhan untuk disampaikan employees as a whole to be submitted to the Board
kepada Direksi. of Directors.
• Memastikan bahwa kebijakan remunerasi telah sesuai • Ensure that the remuneration policy is in accordance
dengan ketentuan yang berlaku. with applicable regulations.
• Melakukan evaluasi secara berkala terhadap penerapan • Conduct periodic evaluations of the implementation
kebijakan Remunerasi of the Remuneration policy
• Menyusun dan memberikan rekomendasi mengenai • Prepare and provide recommendations regarding the
sistem serta prosedur pemilihan dan/atau penggantian system and procedures for the election and/or
anggota Direksi dan anggota Dewan Komisaris kepada replacement of members of the Board of Directors
Dewan Komisaris untuk disampaikan kepada RUPS. and members of the Board of Commissioners to the
Board of Commissioners to be submitted to the GMS.
• Memberikan rekomendasi mengenai calon anggota • Provide recommendations regarding candidates for
Direksi dan/atau calon anggota Dewan Komisaris members of the Board of Directors and/or candidates
kepada Dewan Komisaris untuk disampaikan kepada for members of the Board of Commissioners to the
RUPS. Board of Commissioners to be submitted to the GMS.
• Memberikan rekomendasi mengenai Pihak Independen • Provide recommendations regarding Independent
yang akan menjadi anggota Komite Audit dan Komite Parties who will become members of the Audit
Pemantau Risiko kepada Dewan Komisaris Committee and Risk Monitoring Committee to the
Board of Commissioners.
Independensi Komite Remunerasi dan Independence of The Remuneration and
Nominasi Nomination Committee
Komite Remunerasi dan Nominasi memiliki kedudukan yang The Remuneration and Nomination Committee has an
independen, oleh karena itu: independent position, therefore:
• Komite Remunerasi dan Nominasi hanya menerima • The Remuneration and Nomination Committee only
penugasan dari Dewan Komisaris dan bertanggung receives assignments from the Board of Commissioners
jawab kepada Dewan Komisaris. and is responsible to the Board of Commissioners.
• Ketua dan anggota Komite Remunerasi dan Nominasi • The Chairman and members of the Remuneration and
diangkat dan diberhentikan oleh Dewan Komisaris. Nomination Committee are appointed and dismissed
by the Board of Commissioners.
• Ketua dan anggota Komite Remunerasi dan Nominasi • The Chairman and members of the Remuneration and
harus bebas dari pengaruh Direksi dan pihak lain. Nomination Committee must be free from the influence
of the Board of Directors and other parties.
• Anggota Direksi dilarang menjadi anggota Komite • Members of the Board of Directors are prohibited from
Remunerasi dan Nominasi. becoming members of the Remuneration and
Nomination Committee.
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Laporan Tata Kelola Perusahaan
Good Corporate Governance Report
Struktur dan Keanggotaan Komite Structure and Membership of The
Remunerasi dan Nominasi Remuneration and Nomination Committee
Anggota dan komposisi serta independensi anggota Komite The members and composition as well as the independence
Remunerasi dan Nominasi sudah memenuhi ketentuan yang of the Remuneration and Nomination Committee members
berlaku. Komite Remunerasi dan Nominasi beranggotakan 7 have met the applicable regulations. The Remuneration and
anggota, yaitu 1 (satu) Komisaris Independen sebagai ketua Nomination Committee consists of 7 members, namely 1 (one)
komite, 1 (satu) Komisaris Utama, 1 (satu) Komisaris Independen, Independent Commissioner as the committee chairman, 1
1 (satu) Komisaris dan 3 (tiga) Pejabat Eksekutif yang (one) President Commissioner, 1 (one) Independent
membawahkan fungsi sumber daya manusia. Pada tahun Commissioner, 1 (one) Commissioner and 3 (three) Executive
2024, Bank melakukan perubahan Susunan Komite Remunerasi Officers in charge of the human resources function. In 2024,
dan Nominasi bedasarkan Surat Keputusan Direksi No. 159/ the Bank made changes to the composition of the Remuneration
SK/KOM/12/2024 tentang Perubahan Komite Remunerasi dan and Nomination Committee based on the Decree of the Board
Nominasi yang ditetapkan pada tanggal 10 Desember 2024, of Directors Number 159/SK/KOM/12/2024 concerning Changes
maka susunan anggota Komite Remunerasi dan Nominasi to the Remuneration and Nomination Committee which was
adalah sebagai berikut: determined on December 10, 2024, the composition of the
Remuneration and Nomination Committee members is as
follows:
Jabatan Nama Periode Jabatan
Position Name Position Period
Ketua | Chair Pardi Kendy - Komisaris Independen / Independent Commissioner 2022-2025
Sekretaris | Erwin Kristianto Julistiono - menduduki jabatan manajerial di bawah Direksi yang 2022-2025
Secretary membidangi sumber daya manusia / holds a managerial position under the Board of
Directors in charge of human resources
Anggota | Chat Luangarpa - Komisaris Utama / President Commissioner 2022-2025
Member
Alan Jenviphakul - Komisaris Independen / Independent Commissioner 2022-2025
Diana Alim- Komisaris / Commissioner 2022-2025
Ferhat Wideru - menduduki jabatan manajerial di bawah Direksi yang membidangi sumber 2024-2025
daya manusia /
holds a managerial position under the Board of Directors in charge of human resources
Marlyn Tanralili - menduduki jabatan manajerial di bawah Direksi yang membidangi 2022-2025
sumber daya manusia /
holds a managerial position under the Board of Directors in charge of human resources
Profil Anggota Komite Remunerasi dan Profile of Remuneration and
Nominasi Nomination Committee Members
Profil anggota Komite Remunerasi dan Nominasi yang The profiles of Remuneration and Nomination Committee
merupakan anggota Dewan Komisaris telah tersajikan pada members who are members of the Board of Commissioners
bagian Profil Dewan Komisaris dalam laporan tahunan ini. have been presented in the Board of Commissioners Profile
Profil anggota Komite Remunerasi dan Nominasi yang bukan section of this annual report. The profiles of Remuneration
anggota Dewan Komisaris adalah sebagai berikut: and Nomination Committee members who are not members
of the Board of Commissioners are as follows:
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Profil Erwin Kristianto Julistiono
Data Diri Warga Negara Indonesia, 44 tahun.
Personal Data Indonesian citizen, 44 years old.
Pendidikan • 1999-2002: S1 Teknik Informatika (S.Kom.), Universitas Kristen Petra, Surabaya, Indonesia
Education • 2005-2006: Master of Applied Commerce (MAC) in Human Resource Management, The University of
Melbourne, Melbourne, Australia
• 2015-2016 Magister Hukum (MH), UPH Surabaya, Surabaya, Indonesia
• 1999-2002: S1 Informatics Engineering (S.Kom.), Petra Christian University, Surabaya, Indonesia
• 2005-2006: Master of Applied Commerce (MAC) in Human Resource Management, The University of
Melbourne, Melbourne, Australia
• 2015-2016 Master of Law (MH), UPH Surabaya, Surabaya, Indonesia
Riwayat Pekerjaan • 2010-2015: HR Manager, UPH Surabaya, Surabaya, Indoensia
Work History • 2015-2023: Head of Student Services & Career Center, UPH, Surabaya, Indonesia
• 2016-2023: HR Consultant, PT ACTS group, Indonesia
• 2021-2023: HR Consultant, CV Hokky Retailindo, Bima, Indonesia
• 2022-2023: HR Consultant, PT Visiniaga Mitra Kreasindo, Surabaya, Indonesia
• 2023-sekarang: Head of HR Services & Strategy, PT Bank Maspion Indonesia Tbk, Indonesia
• 2010-2015: HR Manager, UPH Surabaya, Surabaya, Indonesia
• 2015-2023: Head of Student Services & Career Center, UPH, Surabaya, Indonesia
• 2016-2023: HR Consultant, PT ACTS group, Indonesia
• 2021-2023: HR Consultant, CV Hokky Retailindo, Bima, Indonesia
• 2022-2023: HR Consultant, PT Visiniaga Mitra Kreasindo, Surabaya, Indonesia
• 2023-present: Head of HR Services & Strategy, PT Maspion Bank Indonesia Tbk, Indonesia
Profil Ferhat Wideru
Data Diri Warga Negara Indonesia, 55 tahun.
Personal Data Indonesian citizen, 55 years old.
Pendidikan • Bachelor of Science in Agricultural Industrial Engineering, IPB University
Education • Master of Management & Business, IPB University Business School
• Bachelor of Science in Agricultural Industrial Engineering, IPB University
• Master of Management & Business, IPB University Business School
Riwayat Pekerjaan • 1993 - 1996 HR Supervisor, PT Astra Microtronics Technology
Work History • 1997 - 1999 Compensation & Benefit Manager, DHL International
• 1999 - 2002 HR Consultant, PricewaterhouseCooper (PwC)
• 2022 - 2003 Senior HR Consultant, TASS Consulting
• 2003 - 2004 Employee & Industrial Relation Head, PT BASF Indonesia
• 2004 - 2006 Assistant Vice President, Compensation & Benefit for Consumer Banking, Citibank N.A
• 2011 - 2019 Senior Vice President, HR Business Head, PT Bank Danamon Indonesia Tbk
• 2020 - 2024 Senior Vice President (SVP), Senior HC Business Partner & HC Region Lead, PT Bank
Danamon Indonesia Tbk
• 2024 - sekarang Chief People Officer (CHRO) PT Bank Maspion Indonesia Tbk
• 1993 - 1996 HR Supervisor, PT Astra Microtronics Technology
• 1997 - 1999 Compensation & Benefit Manager, DHL International
• 1999 - 2002 HR Consultant, PricewaterhouseCooper (PwC)
• 2022 - 2003 Senior HR Consultant, TASS Consulting
• 2003 - 2004 Employee & Industrial Relation Head, PT BASF Indonesia
• 2004 - 2006 Assistant Vice President, Compensation & Benefits for Consumer Banking, Citibank N.A.
• 2011 - 2019 Senior Vice President, HR Business Head, PT Bank Danamon Indonesia Tbk
• 2020 - 2024 Senior Vice President (SVP), Senior HC Business Partner & HC Region Lead, PT Bank
Danamon Indonesia Tbk
• 2024 - present Chief People Officer (CHRO) PT Bank Maspion Indonesia Tbk
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Laporan Tata Kelola Perusahaan
Good Corporate Governance Report
Profil Marlyn Tanralili
Data Diri Warga Negara Indonesia, 47 tahun.
Personal Data Indonesian citizen, 47 years old.
Pendidikan • Bachelor’s Degree, Management Economy Atma Jaya University (1999)
Education • Bachelor's Degree, Management Economy Atma Jaya University (1999)
Riwayat Pekerjaan • 1997 – 1999: Personalia/Sekretaris di PT Bank Dharmala
Work History • 1999 – 2000: Kuasa TPS di BPPN
• 2000 – 2003: Personalia di PT Bank Maspion Indonesia Tbk
• 2003 – 2018: Human Capital Business Partner di PT Bank OCBC NISP
• 2018 – sekarang: Kepala Divisi HRD Strategy di PT Bank Maspion Indonesia Tbk
• 2019 – sekarang: Anggota Komite Remunerasi dan Nominasi, PT Bank Maspion Indonesia Tbk
• 1997 - 1999: Personnel/Secretary at PT Bank Dharmala
• 1999 - 2000: TPS Attorney at IBRA
• 2000 - 2003: Personnel at PT Bank Maspion Indonesia Tbk
• 2003 - 2018: Human Capital Business Partner at PT Bank OCBC NISP
• 2018 - present: Head of HRD Strategy Division at PT Bank Maspion Indonesia Tbk
• 2019 - present: Member of Remuneration and Nomination Committee, PT Bank Maspion Indonesia Tbk
Pelaksanaan Kegiatan Komite Implementation of Remuneration and
Remunerasi dan Nominasi Nomination Committee Activities
Sepanjang tahun 2024, Komite Remunerasi dan Nominasi Throughout 2024, the Remuneration and Nomination Committee
telah melakukan review, evaluasi dan pemantauan sesuai has conducted reviews, evaluations and monitoring in
dengan lingkup tugas dan tanggung jawabnya, yaitu: accordance with the scope of its duties and responsibilities,
namely:
• Melakukan evaluasi terkait anggota eksternal Komite • Evaluate the external members of the Audit Committee
Audit & Komite Pemantau Resiko dengan & Risk Monitoring Committee by considering the
mempertimbangkan kinerja di tahun sebelumnya. performance in the previous year.
• Melakukan pembahasan terkait hiring budget dan • Discussed the hiring budget and recruitment plan for
rencana rekrutmen pejabat eksekutif Bank untuk the Bank's executive officers to fulfill the Bank's
memenuhi kebutuhan manpower Bank di tahun 2024. manpower needs in 2024.
• Melakukan pembahasan terkait asuransi kesehatan • Discussed employee health insurance to improve
karyawan untuk meningkatkan produktivitas kerja employee productivity.
karyawan.
• Melakukan evaluasi terkait bonus kinerja dengan • Evaluate the performance bonus by considering the
mempertimbangkan kinerja keuangan Bank Bank's financial performance.
• Melakukan pembahasan terkait remunerasi Dewan • Discussing the remuneration of the Board of
Komisaris Commissioners
• Melakukan review terhadap : • Conduct a review of
• Rekrutmen yang dilakukan Bank • Recruitment conducted by the Bank
• Reskilling program yang merupakan program yang • Reskilling program which is a program held to prepare
diadakan untuk mempersiapkan para frontliner dan frontliners and other support functions.
fungsi support lainnya
• Pembaruan terkait Know Your Employee (KYE) yang • Update on Know Your Employee (KYE) that has been
telah dijalankan
• Ketentuan terkait usia pensiun • Conditions related to retirement age
• Perubahan terkait dengan remunerasi (tunjangan,dll) • Changes related to remuneration (allowances, etc.)
serta struktur remunerasi (Grading, Range) and remuneration structure (Grading, Range)
• Penyegaran (refreshment) sertifikasi manajemen risiko • Risk management certification refreshment
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Rapat Komite Remunerasi dan Nominasi Remuneration and Nomination
Committee Meetings
Selama tahun 2024, Komite Remunerasi dan Nominasi telah During 2024, the Remuneration and Nomination Committee
menyelenggarakan 7 (tujuh) kali pertemuan, yang seluruhnya held 7 (seven) meetings, all of which were attended by the
dihadiri oleh Ketua dan anggota lainnya. Uraian mengenai Chairman and other members. A description of the attendance
kehadiran rapat Komite Remunerasi dan Nominasi adalah of the Remuneration and Nomination Committee meetings
sebagai berikut: is as follows:
Frekuensi kehadiran rapat
Frequency of meeting attendance
Jumlah Rapat | Number of Meetings 7
Nama Jabatan Jumlah kehadiran
Name Position Total attendance
Pardi Kendy Ketua |Chairman 7
Chat Luangarpa Anggota | Member 7
Alan Jenviphakul Anggota | Member 7
Diana Alim Anggota | Member 7
Erwin Kristianto Julistiono Anggota | Member 6
Marlyn Tanralili Anggota | Member 6
Ferhat Wideru* Anggota | Member 1
*Ferhat Wideru baru diangkat menjadi anggota komite remunerasi dan nominasi pada bulan Desember 2024
*Ferhat Wideru was newly appointed as a member of the remuneration and nomination committee in December 2024
Pendidikan dan/atau Pelatihan Anggota Education and/or Training of
Remunerasi dan Nominasi Remuneration and Nomination Members
Pendidikan dan pelatihan anggota Dewan Komisaris yang The education and training of members of the Board of
menjadi bagian dari anggota Komite Remunerasi dan Nominasi Commissioners who are members of the Remuneration and
dapat dilihat pada bagian pelatihan Dewan Komisaris dan Nomination Committee can be seen in the training section of
Direksi dalam laporan tahunan ini. Pendidikan dan pelatihan the Board of Commissioners and Directors in this annual
anggota Komite Remunerasi dan Nominasi yang bukan report. Education and training of Remuneration and Nomination
merupakan Dewan Komisaris dapat dilihat pada bagian Committee members who are not members of the Board of
pelatihan anggota Komite Sumber Daya Manusia. Commissioners can be seen in the Human Resources Committee
member training section.
Nama Program Pelatihan Peyelenggara Waktu
Name Training Program Organizer Date
Erwin Kristianto • Training Anti Pencucian Uang dan Pencegahan • PPATK • 13 Januari 2024
Julistiono Pendanaan Terorisme Proliferasi Senjata Pemusnah January 13, 2024
Massal Berbasis Risiko
Risk-based Anti-Money Laundering and Countering the
Financing of Terrorism Proliferation of Weapons of Mass
Destruction Training
• Refreshment on Anti Money Laundering Program • PT Andara Sarana and • 18 Januari 2024
Current Issues and Challenges in the Implementation of Div. Compliance and January 18, 2024
AML in Banking Industry AML
Refreshment on Anti Money Laundering Program
Current Issues and Challenges in the Implementation of
AML in Banking Industry
• Sosialisasi Penggunaan HRIS untuk Non Staff • HR Services and • 20 Februari 2024
Socialization of HRIS Usage for Non-Staff Strategy February 20, 2024
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Laporan Tata Kelola Perusahaan
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Nama Program Pelatihan Peyelenggara Waktu
Name Training Program Organizer Date
• Pembekalan Sertifikasi Manajemen Risiko Jenjang 4 • Lentera Mulia Persada • 22-23 Maret 2024
Batch 1 March 22-23, 2024
Debriefing of Risk Management Certification Level 4
Batch 1
• Workshop Lego Serious Play: Unlocking Imagination • Excellence Asia • 2 April 2024
Lego Serious Play Workshop: Unlocking Imagination April 2, 2024
• Ujian Resertifikasi Manajemen Risiko Jenjang 4 Batch 1 • Badan Sertifikasi • 15 Mei 2024
Risk Management Recertification Exam Level 4 Batch 1 Manajemen Risiko May 15, 2024
• Workshop Southeast Asia Leading Banking Expertise
- KHeroes Award • Div. Legal and Div. • 30-31 Mei 2024
Southeast Asia Leading Banking Expertise Workshop Complianceand AML May 30-31, 2024
- KHeroes Award
• Sosialisasi Kebijakan Pelindungan Data Pribadi
(Personal Data Protection Law) - Batch 3 • Div. Legal and Div. • 11 Juni 2024
Socialization of Personal Data Protection Law - Batch 3 Complianceand AML June 11, 2024
• Executive Workshop 2024
Executive Workshop 2024 • Direksi • 12-14 Juli 2024
• Toastmasters: Inside Out July 12-14, 2024
Toastmasters: Inside Out • Surabaya Toastmasters • 17 Juli 2024
• Anti Fraud Awareness Club July 17, 2024
Anti Fraud Awareness • Unit Kerja Anti Fraud • 14-18 Oktober 2024
• Team Building Div. HR Services & Strategy & HR October 14-18, 2024
Management • CPO • 6-7 Desember 2024
Team Building Div. HR Services & Strategy & HR December 6-7, 2024
Management
• Training Fundamentals of Bank Financial Statement • 18 Desember 2024
Analysis • PT Andara Sarana December 18, 2024
Training Fundamentals of Bank Financial Statement
Analysis
Ferhat Wideru • Sosialisasi Personal Data Protection Law: SOP Data • Divisi Compliance • 29 November 2024
Incident Response Plan November 29, 2024
Socialization of Personal Data Protection Law: SOP
Data Incident Response Plan
• Team Building Div. HR Services & Strategy & HR • CPO • 6-7 Desember 2024
Management December 6-7, 2024
Team Building Div. HR Services & Strategy & HR
Management
• Training Fundamentals of Bank Financial Statement • PT Andara Sarana • 18 Desember 2024
Analysis December 18, 2024
Training Fundamentals of Bank Financial Statement
Analysis
Marlyn Tanralili • Refreshment on Anti Money Laundering Program Current • PT Andara Sarana and • 18 Januari 2024
Issues and Challenges in the Implementation of AML in Div. Compliance and January 18, 2024
Banking Industry AML
Refreshment on Anti Money Laundering Program Current
Issues and Challenges in the Implementation of AML in
Banking Industry
• Cyber Security Phishing Awareness Batch 2 • Div. IT Infrastructure and • 23 April 2024
Cyber Security Phishing Awareness Batch 2 Cyber Security April 23, 2024
• Pembekalan Re-Sertifikasi Manajemen Risiko Jenjang 6 • Raharja Duta Solusindo • 5 Juli 2024
Batch 2 July 5, 2024
Risk Management Re-Certification Debriefing Batch 2 Level
6
• Executive Workshop 2024 • Direksi • 12-14 Juli 2024
Executive Workshop 2024 July 12-14, 2024
• Ujian Re-Sertifikasi Manajemen Risiko Jenjang 6 Batch 1 • BSMR • 6 Agustus 2024
Batch 1 Risk Management Re-Certification Exam Level 6 August 6, 2024
• Anti Fraud Awareness • Unit Kerja Anti Fraud • 14-18 Oktober 2024
Anti Fraud Awareness October 14-18, 2024
• Sosialisasi Personal Data Protection Law Internal dan • Divisi Compliance • 13 November 2024
External Data Sharing November 13, 2024
Socialization of Personal Data Protection Law Internal and
External Data Sharing
• Team Building Div. HR Services & Strategy & HR • CPO • 6-7 Desember 2024
Management December 6-7, 2024
Team Building Div. HR Services & Strategy & HR
Management
PT Bank Maspion Indonesia Tbk
228 Laporan Tahunan Terintegrasi 2024
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Informasi Rangkap Jabatan di Dalam Information on the total number of
Komite Tersebut positions in the committee
• Tidak terdapat Direksi Bank atau Direksi bank lain • There are no Directors of the Bank or Directors of
yang menjadi anggota Komite Audit, Komite Pemantau other banks who are members of the Audit Committee,
Risiko maupun Komite Remunerasi dan Nominasi. Risk Monitoring Committee or Remuneration and
Nomination Committee.
• Sejak akhir Desember 2024, terdapat 1 (satu) orang • Since the end of December 2024, there is 1 (one)
Komisaris Independen menjabat sebagai Ketua Komite Independent Commissioner serving as Chairman of
Audit dan Ketua Komite Pemantau Risiko the Audit Committee and Chairman of the Risk
Monitoring Committee
Komite di Bawah Direksi
Committee under The Board of Directors
Guna meningkatkan efektifitas pelaksanaan tugas dan tanggung In order to improve the effectiveness of the implementation
jawabnya, Direksi membantuk komite-komite yang membantu of its duties and responsibilities, the Board of Directors assists
untuk memberikan saran dan rekomendasi kepada Direksi sesuai the committees to provide advice and recommendations to
dengan bidang tugas dan tanggung jawab masing-masing. the Board of Directors in accordance with their respective
Berikut adalah 7 (tujuh)Komite di bawah Direksi yaitu : areas of duties and responsibilities. The following are the 7
(seven) Committees under the Board of Directors:
1. Komite Aset & Liabilitas 1. Asset & Liability Committee
2. Komite Manajemen Risiko 2. Risk Management Committee
3. Komite Kredit 3. Credit Committee
4. Komite Pengarah Teknologi Informasi (TI) 4. Information Technology (IT) Steering Committee
5. Komite Produk dan Kebijakan 5. Product and Policy Committee
6. Komite Sumber Daya Manusia 6. Human Resources Committee
KOMITE ASET DAN LIABILITAS ASSETS AND LIABILITIES
COMMITTEE
Komite Aset dan Liabilitas merupakan salah satu komite yang The Assets and Liabilities Committee is one of the committees
mempunyai wewenang untuk mengambil keputusan dibidang authorized to make decisions in the field of managing the
pengelolaan sisi aset dan liabilitas Bank secara konsisten, Bank's assets and liabilities in a consistent, coordinated and
terkoordinasi dan terpadu guna memperoleh keuntungan dan integrated manner in order to obtain profits and increase the
meningkatkan nilai modal Bank. Susunan anggota Komite value of the Bank's capital. The composition of the Asset and
Aset dan Liabilitas adalah sebagai berikut : Liability Committee is as follows:
Susunan Anggota Komite Aset & Liabilitas
Composition of Asset & Liability Committee Members
Ketua Direktur Utama
Chair President Director
Sekretaris Kepala Divisi Treasury
Secretary Head of Treasury Division
PT Bank Maspion Indonesia Tbk
Integated Report 2024 229
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Laporan Tata Kelola Perusahaan
Good Corporate Governance Report
Susunan Anggota Komite Aset & Liabilitas
Composition of Asset & Liability Committee Members
Anggota Tetap • Direktur Marketing
Permanent Member Marketing Director
• Direktur Kredit dan Risiko
Director of Credit and Risk
• Kepala Divisi Manajemen Risiko
Head of Risk Management Division
• Kepala Divisi Akuntansi dan Keuangan
Head of Accounting and Finance Division
• Kepala Divisi Treasury
Head of Treasury Division
• Chief Finance Officer
Chief Finance Officer
Anggota tidak tetap (tanpa hak suara) Unit yang memiliki keterkaitan dengan topik bahasan
Non-regular members (without voting rights) Units that are related to the topic
Tugas dan Tanggung Jawab Komite Aset Duties and Responsibilities of the Asset
& Liabilitas & Committee
• Menganalisa struktur neraca dan mengkaji semua • Analyze the balance sheet structure and assess all
risiko yang timbul dari eksposur Bank berupa risiko risks arising from the Bank's exposure to liquidity,
likuiditas, suku bunga dan nilai tukar. interest rate and exchange rate risks.
• Mengevaluasi penetapan pricing aset dan liabilitas • Evaluate the pricing of assets and liabilities to ensure
untuk memastikan bahwa pricing tersebut memberikan that the pricing provides optimal results in investing
hasil yang optimal dalam penanaman dana, funds, minimizing costs and maintaining the Bank's
meminimumkan biaya dan memelihara struktur neraca balance sheet structure in accordance with the
Bank sesuai dengan strategi Assets & Liabilities established Assets & Liabilities Management strategy.
Management yang telah ditetapkan.
• Memantau perkembangan kondisi perekonomian dan • Monitor developments in economic and market
kondisi pasar serta mengevaluasi dampaknya terhadap conditions and evaluate their impact on the Bank's
struktur neraca Bank, khususnya profil maturitas arus balance sheet structure, in particular the cash flow
kas serta sensitivitas risiko suku bunga di neraca, maturity profile and interest rate risk sensitivity on the
termasuk proyeksi net interest income dan marjin. balance sheet, including projections of net interest
income and margins.
• Merumuskan dan mengkaji ulang kebijakan dan strategi • Formulate and review assets & liabilities management
pengelolaan assets & liabilities. policies and strategies.
• Memantau tingkat likuiditas Bank pada level yang • Monitor the Bank's liquidity level at an optimal level
optimal untuk memenuhi kebutuhan proyeksi likuiditas to meet the Bank's projected liquidity needs.
Bank.
• Mengevaluasi setiap perubahan ketentuan dan peraturan • Evaluate any changes in provisions and regulations
yang mempengaruhi strategi dan kebijakan Assets that affect Assets and Liabilities Management strategies
and Liabilities Management. and policies.
• Membahas dan menetapkan hal-hal lain yang termasuk • Discuss and determine other matters included in the
dalam lingkup Assets and Liabilities Management. scope of Assets and Liabilities Management.
• Persetujuan dan Pengawasan terhadap risiko pasar • Approval and Oversight of trading market risks
perdagangan
• Persetujuan dan pengawasan lindung nilai dan • Approval and oversight of hedging and management
pengelolaan eksposur dan arus valuta asing yang tidak of non-traded and structural foreign exchange exposures
diperdagangkan dan struktural termasuk arus modal and flows including capital and income flows but
dan pendapatan tetapi tidak termasuk ekspor valuta excluding foreign exchange exports
asing yang diperdagangkan
• Mengelola risiko suku bunga yang tidak diperdagangkan • Manage non-traded interest rate risk including capital
termasuk investasi modal dan produk tanpa bunga investments and other non-interest bearing products
lainnya
PT Bank Maspion Indonesia Tbk
230 Laporan Tahunan Terintegrasi 2024
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Profil Anggota Komite Aset & Liabilitas Asset Committee Member Profile&
Liability
Profil anggota Komite Aset & Liabilitas yang merupakan The profiles of the members of the Committee Asset & Liability
anggota Direksi telah tersajikan pada bagian Profil Direksi who are members of the Board of Directors Directors' have
dalam laporan tahunan ini. Profil anggota Komite Aset & been presented in the Profile section of this annual report.
Liabilitas yang bukan anggota Direksi adalah sebagai berikut: The profiles of the members of the Committee Asset & Liability
who are not members of the Board of Directors are as follows:
Head of Treasury Division
Profil Zulkifli Adijaya
Data Diri Pendidikan Riwayat Pekerjaan
Personal Data Education Work History
Warga Negara • Sarjana Teknik Industri, • Treasury, Foreign Exchange and Derivatives Trader, PT Bank Lippo Tbk
Indonesia, 44 tahun. Iowa State University, (2006-2007)
Indonesian Citizen, 44 Amerika Serikat (2004) • Treasury and Capital Market, Foreign Exchange and Option Trader, PT
years old. Bachelor of Industrial Bank Danamon Indonesia Tbk (2007-2010)
Engineering, Iowa State • Central Finance & FX Specialist, PT Sinarmas Agro Resources and
University, United States Technology Tbk (2010 – 2011)
of America (2004) • Treasury, Foreign Exchange and derivative trader, PT Bank CTBC
Indonesia Tbk(2011-2020)
• Treasury, Head of Trading, PY Bank CTBC Indonesia Tbk (2020-2023)
• Head of Treasury & Financial Institution, PT Bank Maspion Indonesia
Tbk (2023 – saat ini)
• Treasury, Foreign Exchange and Derivatives Trader, PT Bank Lippo Tbk
(2006-2007)
• Treasury and Capital Market, Foreign Exchange and Option Trader, PT
Bank Danamon Indonesia Tbk (2007-2010)
• Central Finance & FX Specialist, PT Sinarmas Agro Resources and
Technology Tbk (2010 – 2011)
• Treasury, Foreign Exchange and derivative trader, PT Bank CTBC
Indonesia Tbk(2011-2020)
• Treasury, Head of Trading, PY Bank CTBC Indonesia Tbk (2020-2023)
• Head of Treasury & Financial Institution, PT Bank Maspion Indonesia
Tbk (2023 – Present)
Head of Risk Management Division
Profil Rony Parolin Simanjuntak
Data Diri Pendidikan Riwayat Pekerjaan
Personal Data Education Work History
Warga Negara • Sarjana Manajemen • Product Development Division Officer, PT Maybank Indonesia Tbk (ex
Indonesia, 45 tahun. Kuangan, Indonesia Persada Bank International Indonesia) (2002-2004)
Indonesian Citizen, University (UPI) YAI (2001) • Management Development Program / Analyst, Perum Pegadaian
45 years old. • Magister Keuangan, (2004-2009)
Indonesia Persada • Unit Mandiri Manager, PT Bank Mandiri Tbk (2009 – 2011)
University (UPI) YAI (2017) • Deputy Dept Head, PT Bank Victoria International Tbk (2012-2013)
• Credit Risk Manager, Sampoerna Financial Group (2013 – 2014)
• Bachelor of Financial • Risk Management Dept Head (Acting as Division Head), PT Bank IBK
Management, Indonesia Indonesia Tbk (ex Bank Agris) (2014-2017)
Persada University (UPI) YAI • Risk Management Departement Head, Bank J Trust Indonesia
(2001) (2017-2018)
• Master of Finance, • Risk Management Deputy Division Head, Bank J Trust Indonesia
Indonesia Persada (2018-2020)
University (UPI) YAI (2017)
PT Bank Maspion Indonesia Tbk
Integated Report 2024 231
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Laporan Tata Kelola Perusahaan
Good Corporate Governance Report
Profil Rony Parolin Simanjuntak
Data Diri Pendidikan Riwayat Pekerjaan
Personal Data Education Work History
• Risk Management Division Head Report to Executive Vice President,
Bank J Trust Indonesia (2020-2022)
• Portfolio Management Departement Head Report to Division Head,
Indonesia Eximbank, Lembaga Pembiayaan Ekspor Indonesia (LPEI)
(2022-2023)
• Head of Risk Management, PT Bank Maspion Indonesia Tbk (2023-saat
ini)
• Product Development Division Officer, PT Maybank Indonesia Tbk (ex
Bank International Indonesia) (2002-2004)
• Management Development Program / Analyst, Perum Pegadaian
(2004-2009)
• Unit Mandiri Manager, PT Bank Mandiri Tbk (2009 – 2011)
• Deputy Dept Head, PT Bank Victoria International Tbk (2012-2013)
• Credit Risk Manager, Sampoerna Financial Group (2013 – 2014)
• Risk Management Dept Head (Acting as Division Head), PT Bank IBK
Indonesia Tbk (ex Bank Agris) (2014-2017)
• Risk Management Departement Head, Bank J Trust Indonesia
(2017-2018)
• Risk Management Deputy Division Head, Bank J Trust Indonesia
(2018-2020)
• Risk Management Division Head Report to Executive Vice President,
Bank J Trust Indonesia (2020-2022)
• Portfolio Management Departement Head Report to Division Head,
Indonesia Eximbank, Lembaga Pembiayaan Ekspor Indonesia (LPEI)
(2022-2023)
• Head of Risk Management, PT Bank Maspion Indonesia Tbk
(2023-present)
Head of Accounting and Finance Division
Profil Dwiana Kriswati
Data Diri Pendidikan Riwayat Pekerjaan
Personal Data Education Work History
Warga Negara Indonesia, • Sarjana Akuntansi, • Staff Pembukuan, PT Bank Maspion Indonesia Tbk (1995 – 1997)
51 tahun. Unika Widya Mandala • Kepala Seksi Pembukuan, PT Bank Maspion Indonesia Tbk (1997-2000)
Indonesian Citizen, 51 (1995) • Kepala Bagian Pembukuan, PT Bank Maspion Indonesia Tbk (2000
years old. Bachelor of Accounting, – 2012)
Unika Widya Mandala • Kepala Divisi Pembukuan dan Sistem Prosedur, PT Bank Maspion
(1995) Indonesia Tbk (2012 – 2023)
• Head of Finance & Accounting, PT Bank Maspion Indonesia Tbk
(2023-saat ini)
• Bookkeeping Staff, PT Bank Maspion Indonesia Tbk (1995–1997)
• Head of Bookkeeping Section, PT Bank Maspion Indonesia Tbk
(1997–2000)
• Head of Bookkeeping Department, PT Bank Maspion Indonesia Tbk
(2000–2012)
• Head of Accounting and Procedure Systems Division, PT Bank Maspion
Indonesia Tbk (2012–2023)
• Head of Finance & Accounting, PT Bank Maspion Indonesia Tbk
(2023–present)
PT Bank Maspion Indonesia Tbk
232 Laporan Tahunan Terintegrasi 2024
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Chief Finance Officer
Profil Deasy Wulaningsih, SE, AK, CA
Data Diri Pendidikan Riwayat Pekerjaan
Personal Data Education Work History
Warga Negara Indonesia, • Sarjana Ekonomi, • Accounting Analyst, PT Astra Internasional Tbk-Toyota Sales Operation
47 tahun. Universitas (2001-2003)
Indonesian Citizen, 47 Atmajaya (2001) • Regional FP&A and Accountant, GE Services (2003-2005)
years old. Bachelor of • ASF-JV Assistant Controller, GE Finance Indonesia (2005-2008)
Economy, Atmajaya • Financial Control Division-Deputy Division Head, PT UOB Indonesia
University (2001) (2008-2010)
• Accounting Policies and Project Head, PT UOB Indonesia (2010-2013)
• Finance Division Head, PT Bank Andara (2013-2019)
• Finance Division Head-EVP, PT Bank Oke Indonesia Tbk (2019-2024)
• Chief Finance Officer, PT Bank Maspion Indonesia Tbk (2024-saat ini)
• Accounting Analyst, PT Astra Internasional Tbk-Toyota Sales Operation
(2001-2003)
• Regional FP&A and Accountant, GE Services (2003-2005)
• ASF-JV Assistant Controller, GE Finance Indonesia (2005-2008)
• Financial Control Division-Deputy Division Head, PT UOB Indonesia
(2008-2010)
• Accounting Policies and Project Head, PT UOB Indonesia (2010-2013)
• Finance Division Head, PT Bank Andara (2013-2019)
• Finance Division Head-EVP, PT Bank Oke Indonesia Tbk (2019-2024)
• Chief Finance Officer, PT Bank Maspion Indonesia Tbk (2024-present)
KOMITE MANAJEMEN RISIKO RISK MANAGEMENT COMMITTEE
Komite Manajemen Risiko dibentuk untuk memastikan bahwa The Risk Management Committee was established to ensure
setiap kerangka kerja Bank telah terlindungi terhadap seluruh that the Bank's framework is protected against all risks by
risiko dengan memantau dan mengelola risiko – risiko secara monitoring and managing risks systematically and continuously
sistematis dan berkesinambungan serta mengevaluasi penerapan as well as evaluating the Bank's risk management
manajemen risiko yang telah dilakukan Bank. Susunan anggota implementation. The composition of the Risk Management
Komite Manajemen Risiko adalah sebagai berikut : Committee is as follows:
Susunan Anggota Komite Manajemen Risiko
Composition of Risk Management Committee Members
Ketua Direktur Utama
Chair President Director
Sekretaris Kepala Divisi Manajemen Risiko
Secretary Head of Risk Management Division
Anggota Tetap • Direktur Kredit dan Risiko
Permanent Member Director of Credit and Risk
• Direktur Marketing
Business Director
• Direktur Kepatuhan dan Legal
Compliance and Legal Director
• Direktur Operasional
Director of Operations
• Deputi Direktur Operasional
Deputy Director of Operations
• Deputi Direktur Teknologi Informasi
Deputy Director of Information Technology
• Chief Financial Officer
Chief Financial Officer
• Head of Compliance & AML CFT WMD
Head of Compliance & AML CFT WMD
• Kepala Divisi Legal
Head of Legal Division
• Kepala Divisi Manajemen Risiko
Head of Risk Management Division
• Kepala Divisi Operasional
Head of Operations Division
PT Bank Maspion Indonesia Tbk
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Laporan Tata Kelola Perusahaan
Good Corporate Governance Report
Susunan Anggota Komite Manajemen Risiko
Composition of Risk Management Committee Members
Anggota tidak tetap (tanpa hak suara) Unit yang memiliki keterkaitan dengan topik bahasan
Non-permanent members (without voting rights) Units that are related to the topic
Tugas dan Tanggung Jawab Komite Duties and Responsibilities of the Risk
Manajemen Risiko Management Committee
• Mengidentifikasi seluruh jenis risiko yang berasal dari • Identify all types of risks originating from all business
seluruh kegiatan usaha Bank. activities of the Bank.
• Melakukan kajian terhadap profil risiko Bank dan • Review the Bank's risk profile and ensure that exposures
memastikan bahwa eksposur dikelola dengan baik. are well managed.
• Menentukan strategi, kebijakan, pedoman, kerangka • Define risk management strategies, policies, guidelines,
kerja dan metodologi manajemen risiko. frameworks and methodologies.
• Mengawasi pelaksanaan manajemen risiko serta • Supervise the implementation of risk management
melakukan penyempurnaan penerapan manajemen and make improvements to the implementation of risk
risiko apabila terdapat perubahan kondisi yang management if there are changes in conditions that
mempengaruhi kecukupan permodalan maupun affect the adequacy of capital and risk exposure faced
eksposur risiko yang dihadapi oleh Bank. by the Bank.
• Menetapkan limit risiko (risk limit) dan toleransi risiko • Establish risk limits and risk tolerance in accordance
(risk tolerance) sesuai dengan tingkat risiko (risk appetite) with the level of risk (risk appetite) to be taken.
yang akan diambil.
• Melaksanakan kaji ulang terhadap prosedur dan • Carry out a review of the procedures and determination
penetapan limit risiko maupun penilaian peringkat of risk limits and risk rating assessments that have
risiko yang telah ditetapkan, sesuai dengan been established, in accordance with the development
perkembangan kompleksitas usaha Bank. of the Bank's business complexity.
• Memastikan bahwa Bank memiliki sumber daya yang • Ensure that the Bank has adequate resources for risk
memadai untuk pelaksanaan manajemen risiko. management implementation.
• Menyusun kebijakan manajemen risiko serta • Develop risk management policies and amendments
perubahannya termasuk strategi manajemen risiko including risk management strategies and contingency
dan contingency plan apabila terjadi konsisi eksternal plans in the event of abnormal external conditions.
yang tidak normal.
• Mengawasi komposisi portfolio kredit termasuk dana • Oversee the composition of the loan portfolio including
besar, migrasi tingkat risiko, konsentrasi risiko, provisi large funds, risk level migration, risk concentration,
dan penggunaan/kinerja modal. provisions and capital utilization/performance.
• Pengawasan terhadap risiko-risiko dibawah ini, termasuk • Monitoring of the following risks, including any material
setiap peristiwa/insiden material. events/incidents.
• Kepatuhan termasuk hal-hal terkait peraturan material • Compliance including material regulatory matters
• Risiko Reputasi. • Reputational Risk.
• Memastikan masalah Internal Audit dan Penjaminan • Ensure material Internal Audit and Credit Assurance
Kredit yang material dipahami dan menjaga pengawasan issues are understood and maintain oversight of the
terhadap kemajuan dan penyelesaian remediasi. progress and completion of remediation.
• Mengatasi masalah utama terkait kredit, risiko pasar, • Addressing key credit, market risk, and compliance
dan kepatuhan yang muncul di seluruh industri. issues that arise across the industry.
• Mengevaluasi kredit, pasar, dan kepatuhan terkait Risk • Evaluate credit, market and compliance in relation to
Appetite Statement (RAS) Indonesia dan mengeskalasi Indonesia's Risk Appetite Statement (RAS) and escalate
setiap masalah material sesuai dengan Kerangka Tata any material issues in accordance with the RAS
Kelola RAS. Governance Framework.
PT Bank Maspion Indonesia Tbk
234 Laporan Tahunan Terintegrasi 2024
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Profil Anggota Komite Manajemen Risk Management Committee Member
Risiko Profile
Profil anggota Komite Manajemen Risiko yang merupakan The profiles of the members of the Committee Risk Management
anggota Direksi telah tersajikan pada bagian Profil Direksi who are members of the Board of Directors have been
dalam laporan tahunan ini. Profil anggota Komite Manajemen presented in the Directors' Profile section of this annual report.
Risiko yang bukan anggota Direksi adalah sebagai berikut: The profiles of the members of the Risk Management Committee
who are not members of the Board of Directors are as follows:
Kepala Divisi Manajemen Risiko Head of Risk Management Division
Telah tersajikan pada bagian Profil Anggota Komite Aset & Has been presented in the Asset & Liability Committee Member
Liabilitas. Profiles section.
Operational Deputy Director
Profil Wong Robert Widjaja
Data Diri Pendidikan Riwayat Pekerjaan
Personal Data Education Work History
Warga Negara • Sarjana Teknik, Teknik • Programmer, PT Tricom (1992-1993)
Indonesia, 57 tahun. Informatika dan Komputer, • Kepala bagian EDP (Electronic Data Processing), PT Bank Bira
Indonesian Citizen, 57 Universitas Widya Kartika (1993-1999)
years old. (1993) • Staff Internal Audit, PT Bank Maspion Indonesia Tbk (1999-2000)
Bachelor of Engineering, • Assistant Manager Internal Audit, PT Bank Maspion Indonesia Tbk
Informatics and Computer (2000-2001)
Engineering, Widya Kartika • Deputy Manager Internal Audit, PT Bank Maspion Indonesia Tbk
(2001-2002)
University (1993)
• Kadiv Sispro & Training, PT Bank Maspion Indonesia Tbk (2002-2004)
• Kadiv Sispro & SKMR, PT Bank Maspion Indonesia Tbk (2004-2011)
• Deputi Direktur Operasional & PPJ, PT Bank Maspion Indonesia Tbk
(2012-2014)
• Deputi Direktur Operasional, PT Bank Maspion Indonesia Tbk
(2014-saat ini)
• Programmer, PT Tricom (1992-1993)
• Head of EDP (Electronic Data Processing) Department, PT Bank Bira
(1993-1999)
• Internal Audit Staff, PT Bank Maspion Indonesia Tbk (1999-2000)
• Assistant Manager Internal Audit, PT Bank Maspion Indonesia Tbk
(2000-2001)
• Deputy Manager of Internal Audit, PT Bank Maspion Indonesia Tbk
(2001-2002)
• Head of Information Systems & Training, PT Bank Maspion Indonesia
Tbk (2002-2004)
• Head of Information Systems & Human Resources, PT Bank Maspion
Indonesia Tbk (2004-2011)
• Deputy Director of Operations & PPJ, PT Bank Maspion Indonesia Tbk
(2012-2014)
• Deputy Director of Operations, PT Bank Maspion Indonesia Tbk
(2014-present)
PT Bank Maspion Indonesia Tbk
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Good Corporate Governance Report
Chief Technology Officer
Profil Magdalena Barli
Data Diri Pendidikan Riwayat Pekerjaan
Personal Data Education Work History
Warga Negara • Sarjana Teknik, Teknik • Assistant Digital Lab, STTS (1991-1993)
Indonesia, 52 tahun. Informatika, Institut Sains • EDP (Electronic Data Processing), PT Bank Maspion Indonesia Tbk
Indonesian Citizen, 52 dan Teknologi Terpadu (1993-1994)
years old. Surabaya (1996) • EDP, PT Kertarajasa Raya (1996)
Bachelor of Engineering, • EDP, PT Bank Maspion Indonesia Tbk (1996-2000)
Informatics Engineering, • Head of SKTI Division, PT Bank Maspion Indonesia Tbk (2000-2019)
Surabaya Institute of • IT Deputy Director, PT Bank Maspion Indonesia Tbk (2019-2024)
Science and Integrated • Chief Technology Officer, PT Bank Maspion Indonesia Tbk
Technology (1996) (2024-saat ini)
• Assistant Digital Lab, STTS (1991-1993)
• EDP (Electronic Data Processing), PT Bank Maspion Indonesia Tbk
(1993-1994)
• EDP, PT Kertarajasa Raya (1996)
• EDP, PT Bank Maspion Indonesia Tbk (1996-2000)
• Head Of SKTI Division, PT Bank Maspion Indonesia Tbk (2000-2019)
• IT Deputy Director, PT Bank Maspion Indonesia Tbk (2019-2024)
• Chief Technology Officer, PT Bank Maspion Indonesia Tbk
(2024-present)
Head of Legal Division
Profil Faisyal Hakim
Data Diri Pendidikan Riwayat Pekerjaan
Personal Data Education Work History
Warga Negara • Sarjana Hukum, • Manager, PT Bank Bhumi Daya (1996-1999)
Indonesia, 53 tahun. Universitas Padjajaran • Senior Manager, PT Bank Mandiri (Persero) Tbk(1999-2011)
Indonesian Citizen, 53 Bandung (1995) • Head of Business Legal Departement, Indonesia Eximbank (LPEI)
years old. • Magister Manajemen, (2011-2015)
Universitas Gadjah mada • Head of Recovery & Subrogation Departement, Indonesia Eximbank
(2009) (2015-2017)
• Head of Corporate Legal & Litigation Departement, Indonesia Eximbank
(2018-2018)
• Bachelor of Law,
• Head of Litigation, PT Bank Maybank Indonesia Tbk (2018-2019)
Padjadjaran University,
• Head of Corporate Legal, PT Bank Muamalat Indonesia Tbk (2019-2021)
Bandung (1995) • Head of Legal, PT Bank QNB Indonesia Tbk (2021-2023)
• Master of Management, • Head of Legal, PT Bank Maspion Indonesia Tbk (2023-saat ini)
Gadjah Mada University
(2009) • Manager, PT Bank Bhumi Daya (1996-1999)
• Senior Manager, PT Bank Mandiri (Persero) Tbk(1999-2011)
• Head of Business Legal Departement, Indonesia Eximbank (LPEI)
(2011-2015)
• Head of Recovery & Subrogation Departement, Indonesia Eximbank
(2015-2017)
• Head of Corporate Legal & Litigation Departement, Indonesia Eximbank
(2018-2018)
• Head of Litigation, PT Bank Maybank Indonesia Tbk (2018-2019)
• Head of Corporate Legal, PT Bank Muamalat Indonesia Tbk (2019-
2021)
• Head of Legal, PT Bank QNB Indonesia Tbk (2021-2023)
• Head of Legal, PT Bank Maspion Indonesia Tbk (2023-present)
PT Bank Maspion Indonesia Tbk
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Head of AML CFT WMD
Profil Lily Wijaya
Telah tersajikan pada bagian Profil Anggota Komite Produk Has been presented in the Product and Policy Member Profile
dan Kebijakan section
Chief Finance Officer
Profil Deasy Wulaningsih
Telah tersajikan pada bagian Profil Anggota Komite Aset & Has been presented in the Assets & Liabilities Committee
Liabilitas Member Profile section
Head of Risk Management
Profil Rony Parolin Simanjuntak
Telah tersajikan pada bagian Profil Anggota Komite Aset & Has been presented in the Assets & Liabilities Committee
Liabilitas Member Profile section
Head of Operations Division
Profil E. Akadhita Bogo Kristamtomo
Data Diri Pendidikan Riwayat Pekerjaan
Personal Data Education Work History
Warga Negara Indonesia, • Sarjana Ekonomi, • Account Officer, PT Bank Danamon Indonesia Tbk (2007-2009)
39 tahun. Ekonomi Manajemen, • Operation Officer, PT Bank BTPN Tbk (2009-2009)
Indonesian Citizen, 39 STIE IEU (2007) • Quality Assurance-Internal Auditor, PT Bank BTPN Tbk (2009-2010)
years old. Bachelor of Economics, • Management Trainee, PT Bank BTPN Tbk (2010-2010)
Management Economics, • PMO Specialist for Pension & Retail Funding, PT Bank BTPN Tbk
STIE IEU (2007) (2011-2013)
• Branch Operation Manager, PT Bank BTPN Tbk (2014-2014)
• Area Operations Manager, PT Bank BTPN Tbk (2014-2016)
• Product Owner-Process Development, PT Bank BTPN Tbk (2006-2018)
• Area Quality Assurance Manager, PT Bank BTPN Tbk (2018-2020)
• Regional Quality Assurance Lead, PT Bank BTPN Tbk (2020-2023)
• Head of Operational, PT Bank Maspion Indonesia Tbk (2023-saat ini)
• Account Officer, PT Bank Danamon Indonesia Tbk (2007-2009)
• Operation Officer, PT Bank BTPN Tbk (2009-2009)
• Quality Assurance-Internal Auditor, PT Bank BTPN Tbk (2009-2010)
• Management Trainee, PT Bank BTPN Tbk (2010-2010)
• PMO Specialist for Pension & Retail Funding, PT Bank BTPN Tbk
(2011-2013)
• Branch Operation Manager, PT Bank BTPN Tbk (2014-2014)
• Area Operations Manager, PT Bank BTPN Tbk (2014-2016)
• Product Owner-Process Development, PT Bank BTPN Tbk (2006-2018)
• Area Quality Assurance Manager, PT Bank BTPN Tbk (2018-2020)
• Regional Quality Assurance Lead, PT Bank BTPN Tbk (2020-2023)
• Head of Operational, PT Bank Maspion Indonesia Tbk (2023-present)
PT Bank Maspion Indonesia Tbk
Integated Report 2024 237
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Laporan Tata Kelola Perusahaan
Good Corporate Governance Report
KOMITE KREDIT CREDIT COMMITTEE
Komite Kredit merupakan organ pendukung Direksi yang The Credit Committee is a supporting organ of the Board of
bertugas dalam mengevaluasi, memberikan persetujuan dan Directors in charge of evaluating, approving and rejecting
penolakan kredit, merumuskan dan mengarahkan kebijakan credit, formulating and directing credit policies and strategies
dan strategi perkreditan yang telah ditetapkan Bank dengan that have been established by the Bank with due regard to
memperhatikan pengembangan bisnis tanpa meninggalkan business development without abandoning prudential principles.
prinsip kehati-hatian. Susunan anggota Komite Kredit adalah The composition of the Credit Committee members is as
sebagai berikut : follows:
Susunan Anggota Komite Kredit
Composition of Committee Members
Ketua Direktur Utama
Chair President Director
Sekretaris Business/Credit Reviewer:
Secretary • Head of Corporate Credit Reviewer
• Head of SC & Retail Credit Reviewer
Business/Credit Reviewer:
• Head of Credit Reviewer Division
• Head of Small Commercial and Retail Credit Reviewer
Anggota Tetap • Direktur Kredit dan Risiko
Permanent Member Director of Credit and Risk
• Direktur Marketing
Business Director
Anggota tidak tetap (tanpa hak suara) Unit yang memiliki keterkaitan dengan topik bahasan
Non-permanent members (without voting rights) Units that are related to the topic
Tugas dan Tanggung Jawab Komite Duties and Responsibilities of the Credit
Kredit Committee
• Memberikan persetujuan atau penolakan kredit terhadap • Provide credit approval or rejection of credit proposals
usulan pemberian kredit yang diajukan oleh bisnis submitted by the business in accordance with the
sesuai dengan batas wewenang atau jenis kredit yang limits of authority or the type of credit set.
ditetapkan.
• Melakukan koordinasi dengan Komite Aset dan Liabilitas • Coordinated with the Asset and Liability Committee
dalam aspek pendanaan kredit. on loan funding aspects.
• Melakukan koordinasi dengan Satuan Kerja Manajemen • Coordinating with the Risk Management Work Unit in
Risiko dalam mengantisipasi risiko inheren bidang anticipating inherent credit risks.
perkreditan.
• Membuat Tata Tertib Pelaksanaan Komite Kredit, agar • Make a Code of Conduct for the Implementation of
pelaksanaan tugas Komite Kredit dapat berjalan sesuai the Credit Committee, so that the implementation of
dengan ketentuan perkreditan yang berlaku. the Credit Committee's duties can run in accordance
with applicable credit provisions.
• Melaksanakan tugas dalam kaitannya dengan pemberian • Carry out duties in relation to granting credit approval
persetujuan kredit berdasarkan atas profesionalitas based on professionalism in an honest, objective and
secara jujur, obyektif dan seksama. thorough manner.
• Menolak permintaan dan pengaruh dari pihak-pihak • Reject requests and influence from parties with an
yang berkepentingan dengan permohonan kredit untuk interest in the credit application to grant credit approval
memberikan persetujuan kredit yang hanya bersifat that is only a formality.
formalitas.
• Bertanggung jawab dalam pengendalian dan • Responsible for controlling and managing credit risk.
pengelolaan risiko pemberian kredit.
• Melakukan pengawasan terhadap risiko kredit sebagai • Supervise credit risk as one of the 8 (eight) risks that
salah satu dari 8 (delapan) risiko yang awasi SKMR SKMR oversees.
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238 Laporan Tahunan Terintegrasi 2024
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• Meninjau portfolio kredit untuk komposisi dan konsentrasi • Review credit portfolio for risk composition and
risiko concentration
• Mengambil keputusan manajemen portfolio kredit • Make credit portfolio management decisions
• Memastikan tata kelola, kepatuhan, dan efektivitas • Ensure governance, compliance, and effectiveness of
kebijakan, prosedur, dan sistem manajemen risiko domestic credit risk management policies, procedures,
kredit dalam negeri and systems
• Merekomendasi dan menyetujui perubahan untuk • Recommend and approve changes to address identified
mengatasi kelemahan atau kekurangan yang weaknesses or deficiencies in credit policies, procedures
teridentifikasi dalam kebijakan, prosedur, atau sistem or systems.
kredit lokal
Profil Anggota Komite Kredit Credit Committee Member Profile
Profil anggota Komite Kredit merupakan anggota Direksi yang The profiles of the members of the Credit Committee are
profilnya telah tersajikan pada bagian Profil Direksi dalam members of the Board of Directors whose profiles have been
laporan tahunan ini. Profil anggota Komite Kredit yang bukan presented in the Directors' Profile section of this annual report.
anggota Direksi adalah sebagai berikut: The profiles of the members of the Credit Committee who are
not members of the Board of Directors are as follows:
Head of Credit Reviewer Division
Profil Alida Victoria Putri
Data Diri Pendidikan Riwayat Pekerjaan
Personal Data Education Work History
Warga Negara Indonesia, • Sarjana Akuntansi, • Financial Controller, Unilever Indonesia (2003-2007)
42 tahun. Universitas Indonesia (2003) • Equity Analyst, MNC Securities (2009-2010)
Indonesian Citizen, 42 • Magister Administrasi Bisnis, • Equity Analyst, DBS Vickers Securities (2010-2011)
years old. Erasmus University (2009) • Senior Manager-Corporate Credit Analyst, Rabobank Indonesia
• Bachelor of Accounting, (2011-2015)
University of Indonesia • AVP-Senior Corporate Credit Reviewer, Bank QNB Indonesia
(2003) (2015-2018)
• Master of Business • VP-Senior Credit Analyst, BNP Paribas Indonesia (2018-2023)
Administration, Erasmus • Head of Credit Review, PT Bank Maspion Indonesia Tbk (2024-
University (2009) 2025)
• Head of Corporate Credit Review, PT Bank Maspion Indonesia Tbk
(2025-saat ini)
• Financial Controller, Unilever Indonesia (2003-2007)
• Equity Analyst, MNC Securities (2009-2010)
• Equity Analyst, DBS Vickers Securities (2010-2011)
• Senior Manager-Corporate Credit Analyst, Rabobank Indonesia
(2011-2015)
• AVP-Senior Corporate Credit Reviewer, Bank QNB Indonesia
(2015-2018)
• VP-Senior Credit Analyst, BNP Paribas Indonesia (2018-2023)
• Head of Credit Review, PT Bank Maspion Indonesia Tbk (2024-
2025)
• Head of Corporate Credit Review, PT Bank Maspion Indonesia Tbk
(2025-present)
PT Bank Maspion Indonesia Tbk
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Laporan Tata Kelola Perusahaan
Good Corporate Governance Report
Head of Small Commercial and Retail Credit
Reviewer
Profil Esy
Data Diri Pendidikan Riwayat Pekerjaan
Personal Data Education Work History
Warga Negara • Sarjana Akuntansi, • Senior Credit Approver, PT Bank UOB Buana (1999-2010)
Indonesia, 47 tahun. Universitas Trisakti • Senior Credit Underwriter, PT Bank Permata Tbk (2010-2011)
Indonesian Citizen, 47 (1999) • Deal Underwriter SME Unit Head, PT Bank Commonwealth (2011-2024)
years old. Bachelor of Accounting, • Head of Small Commercial and Retail Credit Review, PT Bank Maspion
Trisakti University (1999) Indonesia Tbk (2024-saat ini)
• Senior Credit Approver, PT Bank UOB Buana (1999-2010)
• Senior Credit Underwriter, PT Bank Permata Tbk (2010-2011)
• Deal Underwriter SME Unit Head, PT Bank Commonwealth (2011-2024)
• Head of Small Commercial and Retail Credit Review, PT Bank Maspion
Indonesia Tbk (2024-present)
KOMITE PENGARAH TEKNOLOGI INFORMATION TECHNOLOGY (TI)
INFORMASI (TI) STEERING COMMITTEE
Komite Pengarah Teknologi Informasi (TI) dibentuk untuk The Information Technology (IT) Steering Committee was
memastikan penerapan sistem TI sejalan dengan strategi established to ensure the implementation of IT systems in
Bank, memberikan pandangan terhadap penyempurnaan line with the Bank's strategy, to provide insight into the
pengelolaan teknologi informasi dan manajemen sistem improvement of information technology management and
informasi, serta memantau kegiatan penyelenggaraan dan information systems management, and to monitor the
kesiapan infrastruktur TI. Oleh karena itu Direksi membentuk implementation and readiness of IT infrastructure. Therefore,
Komite Pengarah TI, susunan anggota Komite Pengarah TI the Board of Directors established the IT Steering Committee,
adalah sebagai berikut : the members of the IT Steering Committee are as follows:
Susunan Anggota Komite Pengarah Teknologi Informasi
Composition of Information Technology Steering Committee Members
Ketua Direktur Utama
Chair President Director
Sekretaris Deputi Direktur Teknologi Informasi
Secretary Deputy Director of Information Technology
Anggota Tetap • Direktur Marketing
Permanent Member Business Director
• Direktur Kredit dan Risiko
Director of Credit and Risk
• Direktur Operasional
Director of Operations
• Direktur Kepatuhan dan Legal
Director of Compliance and Legal
• Chief Financial Officer
Chief Financial Officer
• Chief Technology Officer
Chief Technology Officer
• Head of Risk Management
Head of Risk Management
• Head of Internal Audit
Head of Internal Audit
• Head of Financal Accounting
Head of Financal Accounting
• Head of IT Infrastructure and Cyber Security
Head of IT Infrastructure and Cyber Security
• Head of Digital Transformation & Innovation
Head of Digital Transformation & Innovation
• Head of Core Banking Application
Head of Core Banking Application
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Susunan Anggota Komite Pengarah Teknologi Informasi
Composition of Information Technology Steering Committee Members
Anggota tidak tetap (tanpa hak suara) Unit yang memiliki keterkaitan dengan topik bahasan
Non-permanent members (without voting rights) Units that are related to the topic
Tugas dan Tanggung Jawab Komite Duties and Responsibilities of the IT
Pengarah TI Steering Committee
Memberikan rekomendasi kepada Direksi paling sedikit terkait Provide recommendations to the Board of Directors at least
dengan : related to :
• Rencana Strategis TI yang sejalan dengan rencana • IT Strategic Plan that is in line with the strategic plan
strategis kegiatan usaha Bank; of the Bank's business activities;
• Perumusan kebijakan, standar, dan prosedur TI yang • Formulation of key IT policies, standards and procedures;
utama;
• Kesesuaian antara proyek TI yang disetujui dengan • Conformity between approved IT projects and the IT
Rencana Strategis TI; Strategic Plan;
• Kesesuaian antara pelaksanaan proyek TI dengan • Conformity between IT project implementation and
rencana proyek yang disepakati (project charter); the agreed project plan (project charter);
• Kesesuaian antara TI dengan kebutuhan manajemen • The compatibility of IT with the needs of information
sistem informasi serta kebutuhan kegiatan usaha Bank; system management and the needs of the Bank's
business activities;
• Efektivitas langkah-langkah dalam meminimalkan risiko • Effectiveness of measures to minimize the risk of the
atas investasi Bank pada sektor TI agar investasi Bank Bank's investment in the IT sector so that the Bank's
pada sektor TI memberikan kontribusi terhadap investment in the IT sector contributes to the
pencapaian tujuan bisnis Bank; achievement of the Bank's business objectives;
• Pemantauan atas kinerja TI dan upaya peningkatan • Monitoring of IT performance and efforts to improve
kinerja TI; IT performance;
• Upaya penyelesaian berbagai masalah terkait TI yang • Efforts to resolve various IT-related problems that
tidak dapat diselesaikan oleh satuan kerja pengguna dan cannot be resolved by the IT user and organizer work
penyelenggara TI secara efektif, efisien, dan tepat waktu; units effectively, efficiently, and in a timely manner;
• Kecukupan dan alokasi sumber daya yang dimiliki • Adequacy and allocation of the Bank's resources
Bank.
• Komite Pengarah teknologi Informasi menilai dan • The Information Technology Steering Committee
memprioritaskan investasi untuk mendukung strategi assesses and prioritizes investments to support Bank
jangka panjang Bank Maspion melalui proses yang Maspion's long-term strategy through a disciplined
disiplin process.
• Komite Pengarah Teknologi Informasi bertindak sebagai • The Information Technology Steering Committee acts
badan pembuat keputusan strategi, alokasi investasi, as the decision-making body for strategy, investment
tinjauan inisiatif, tata Kelola pelaksanaan proyek dan allocation, initiative review, project execution
manajemen manfaat untuk Bank Maspion governance and benefits management for Bank
Maspion.
Profil Anggota Komite Pengarah TI TI Steering Committee Member Profile
Profil anggota Komite Pengarah TI yang merupakan anggota The profiles of IT Steering Committee members who are
Direksi telah tersajikan pada bagian Profil Direksi dalam laporan members of the Board of Directors have been presented in
tahunan ini. Profil anggota Komite Pengarah TI yang bukan the Directors' Profile section of this annual report. The profiles
anggota Direksi adalah sebagai berikut: of IT Steering Committee members who are not members of
the Board of Directors are as follows:
Deputi Direktur Teknologi Informasi Deputy Director of Information Technology
Telah tersajikan pada bagian Profil Anggota Komite Manajemen Has been presented in the Risk Management Committee
Risiko. Member Profile section.
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Laporan Tata Kelola Perusahaan
Good Corporate Governance Report
Head of IT Infrastructure and Cyber Security
Profil Ikwan
Data Diri Pendidikan Riwayat Pekerjaan
Personal Data Education Work History
Warga Negara • Sarjana Komputer, Teknik • Staff IT jaringan, PT Bank Maspion Indonesia Tbk (2008-2015)
Indonesia, 39 tahun. Informatika Sekolah Tinggi • Kepala Seksi IT Network & Infrastruktur, PT Bank Maspion Indonesia
Indonesian Citizen, 39 Teknik Surabaya (STTS) Tbk (2015-2017)
years old. (2008) • Kepala bagian IT Network & Infrastruktur, dan Information Security, PT
Bachelor of Computer Bank Maspion Indonesia Tbk (2017-2023)
Science, Informatics • Kepala Divisi Infrastruktur TI & Keamanan Siber, PT Bank Maspion
Engineering, Surabaya Indonesia Tbk (2023-saat ini)
Institute of Technology
(STTS) (2008) • Network IT Staff, PT Bank Maspion Indonesia Tbk (2008-2015)
• Head of IT Network & Infrastructure Section, PT Bank Maspion
Indonesia Tbk (2015-2017)
• Head of IT Network & Infrastructure and Information Security, PT Bank
Maspion Indonesia Tbk (2017-2023)
• Division Head IT Infrastructure & Cybersecurity, PT Bank Maspion
Indonesia Tbk (2023-present)
Chief Technology Officer
Profil Magdalena Barli
Telah tersajikan pada bagian Profil Anggota Komite Manajemen Has been presented in the Risk Management Committee
Risiko Member Profile section.
Chief Finance Officer
Profil Deasy Wulaningsih
Telah tersajikan pada bagian Profil Anggota Komite Aset & Has been presented in the Assets & Liabilities Committee
Liabilitas Member Profile section
Head of Finance & Accounting
Profil Dwiana Kriswati
Telah tersajikan pada bagian Profil Anggota Komite Aset & Has been presented in the Assets & Liabilities Committee
Liabilitas Member Profile section
Head of Risk Management
Profil Rony Parolin Simanjuntak
Telah tersajikan pada bagian Profil Anggota Komite Aset & Has been presented in the Assets & Liabilities Committee
Liabilitas Member Profile section
Head of Internal Audit
Profil Marsel Adianto Tjahjadi
Telah tersajikan pada bagian Profil Audit Internal Has been presented in the Internal Audit Profile section
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Head of Digital Transformation & Innovation
Profil Purwoko
Data Diri Pendidikan Riwayat Pekerjaan
Personal Data Education Work History
Warga Negara • Sarjana Teknik, Institute • Programmer and Networking System Team Leader, ORN Computer
Indonesia, 48 tahun. Sain dan Teknologi Systems, Pte Ltd (1996-1997)
Indonesian Citizen, 48 Nasional, Jakarta (2000) • Senior Technical Consultant Specialist and Project Manager,
years old. PT Phintraco Ekasarana (1997-1999)
Bachelor of Engineering, • Project Manager, PT Prospero Infoshareindo (2000-2002)
National Institute of Science • Technical Project Manager Persada (2002-2004)
and Technology, Jakarta • IPCC Product Manager, Principal FrontRange Solutions, Pte Ltd
(2000) (2004-2004)
• Voice Engineering Head, PT Bank Danamon Tbk (2004-2007)
• Senior IT MIS Application Support Manager, PT Bank International
Indonesia (2008)
• Infrastructure Project Support Head, PT Bank International Indonesia
(2008-2011)
• MIS Head, Rabobank (2011-2013)
• Head of CeBT Operation (Card e-Banking & Transaction) and MIS,
(2013-2014)
• Head of IT Division, Bank Victoria International Indonesia (2014-2017)
• Group Head of Information Technology, MNC Kapital (2017-2018)
• Group Head of Information Technology, Lippo Financial Service Group
(2018-2020)
• Deputy Technical & IT Director, Berita Satu Media Holding (2020)
• Group Head of IT Division, Bank Index Selindo (2020-2024)
• Head of Digital Transformation & Innovation, PT Bank Maspion
Indonesia Tbk (2024-saat ini)
• Programmer and Networking System Team Leader, ORN Computer
Systems, Pte Ltd (1996-1997)
• Senior Technical Consultant Specialist and Project Manager, PT
Phintraco Ekasarana (1997-1999)
• Project Manager, PT Prospero Infoshareindo (2000-2002)
• Technical Project Manager Persada (2002-2004)
• IPCC Product Manager, Principal FrontRange Solutions, Pte Ltd
(2004-2004)
• Voice Engineering Head, PT Bank Danamon Tbk (2004-2007)
• Senior IT MIS Application Support Manager, PT Bank International
Indonesia (2008)
• Infrastructure Project Support Head, PT Bank International Indonesia
(2008-2011)
• MIS Head, Rabobank (2011-2013)
• Head of CeBT Operation (Card e-Banking & Transaction) and MIS,
(2013-2014)
• Head of IT Division, Bank Victoria International Indonesia (2014-2017)
• Group Head of Information Technology, MNC Kapital (2017-2018)
• Group Head of Information Technology, Lippo Financial Service Group
(2018-2020)
• Deputy Technical & IT Director, Berita Satu Media Holding (2020)
• Group Head of IT Division, Bank Index Selindo (2020-2024)
• Head of Digital Transformation & Innovation, PT Bank Maspion
Indonesia Tbk (2024-present)
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Laporan Tata Kelola Perusahaan
Good Corporate Governance Report
Head of Core Banking Application
Profil Kwan Tony Sutanto
Data Diri Pendidikan Riwayat Pekerjaan
Personal Data Education Work History
Warga Negara • Sarjana Teknik, Sekolah • Staff EDP (Electronic Data Processing),Bank Antar Daerah (1993-1996)
Indonesia, 54 tahun. Tinggi Teknik Surabaya • Kabag EDP (Electronic Data Processing), Bank Antar Daerah (1996-1998)
Indonesian Citizen, 54 (1995) • Kaur Teknologi, Bank Antar Daerah (1998-2001)
years old. • Kabag EDP (Electronic Data Processing), (2001-2002)
Bachelor of Engineering, • EDP Audit Bank PT Bank Maspion Indonesia Tbk (2002-2008)
Surabaya College of • Kasie Internal Audit TI, PT Bank Maspion Indonesia Tbk (2008-2013)
Engineering (1995) • Kabag IT, PT Bank Maspion Indonesia Tbk (2013-2019)
• Kadiv SKTI, PT Bank Maspion Indonesia Tbk (2019-2024)
• Head of Core Banking and Surrounding, PT Bank Maspion Indonesia Tbk
(2024-saat ini)
• EDP (Electronic Data Processing) Staff, Inter-Regional Bank (1993-1996)
• Head of EDP (Electronic Data Processing), Inter-Regional Bank (1996-1998)
• Head of Technology, Inter-Regional Bank (1998-2001)
• Head of EDP (Electronic Data Processing), (2001-2002)
• EDP Audit of PT Bank Maspion Indonesia Tbk (2002-2008)
• Head of Internal Audit IT, PT Bank Maspion Indonesia Tbk (2008-2013)
• Head of IT Division, PT Bank Maspion Indonesia Tbk (2013-2019)
• Head of SKTI Division, PT Bank Maspion Indonesia Tbk (2019-2024)
• Head of Core Banking and Surrounding, PT Bank Maspion Indonesia Tbk
(2024-present)
KOMITE PRODUK DAN KEBIJAKAN PRODUCT AND POLICY COMMITTEE
Komite Produk dan Kebijakan dibentuk untuk membantu Direksi The Product and Policy Committee was formed to assist the
dalam penetapan strategi dalam penyempurnaan dan Board of Directors in determining strategies in the improvement
pengembangan terhadap produk dan kebijakan Bank. susunan and development of the Bank's products and policies. the
anggota Komite Produk dan Kebijakan adalah sebagai berikut : members of the Product and Policy Committee are as follows:
Susunan Anggota Komite Produk dan Kebijakan
Composition of Product and Policy Committee Members
Ketua Direktur Utama
Chair President Director
Sekretaris Kepala Divisi Produk dan Channel dan Kepala Divisi Kebijakan
Secretary Head of Product and Channel Division and Head of Policy Division
Anggota Tetap Direktur Kepatuhan dan Legal
Permanent Member Compliance and Legal Director
Direktur Kredit dan Risiko
Director of Credit and Risk
Direktur Marketing
Business Director
Direktur Operasional
Director of Operations
Chief Financial Officer
Chief Financial Officer
Deputi Direktur Operasional
Deputy Director of Operations
Kepala Divisi Produk dan Channel
Head of Product and Channel Division
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Susunan Anggota Komite Produk dan Kebijakan
Composition of Product and Policy Committee Members
Kepala Divisi Kebijakan
Head of Policy Division
Kepala Divisi Operasional
Head of Operations Division
Kepala Audit Internal
Head of Internal Audit
Kepala Manajemen Risiko
Head of Risk Management
Kepala Bagian AML CFT WMD
Head of AML CFT WMD
Kepala Bagian Hukum
Head of Legal
Anggota tidak tetap (tanpa hak suara) Unit yang memiliki keterkaitan dengan topik bahasan
Non-permanent members (without voting rights) Units that are related to the topic
Tugas dan Tanggung Jawab Komite Duties and Responsibilities of the
Produk dan Kebijakan Product and Policy Committee
• Menyusun strategi dan perencanaan tentang • Develop strategies and plans on the development of
pengembangan produk dan jasa Bank secara kreatif the Bank's products and services creatively and based
dan berdasarkan atas prinsip kehati-hatian, serta sesuai on prudential principles, and in accordance with
dengan perubahan kondisi pasar dan RBB. changes in market conditions and the RBB.
• Melakukan tinjauan dan evaluasi terhadap kelebihan • Conduct a review and evaluation of the strengths and
dan kekurangan dari produk dan jasa Bank saat ini, weaknesses of the Bank's current products and services,
serta menyusun perencanaan tentang and develop a plan for improvement.
penyempurnaannya.
• Memutuskan penyempurnaan dan pengembangan • Decide on the improvement and development of the
produk, jasa dan layanan Bank. Bank's products, services and services.
• Melakukan tinjauan dan evaluasi terhadap seluruh • Reviewing and evaluating all of the Bank's internal
kebijakan dan prosedur internal Bank yang berlaku policies and procedures in order to align them with
agar selaras dengan Peraturan Otoritas Jasa Keuangan the Financial Services Authority Regulations and
dan ketentuan eksternal dari Lembaga otoritas lainnya, external regulations from other authoritative institutions.
agar tercapai keselrasan antara kebijakan dan prosedur
internal tersebut
• Memutuskan penyempurnaan yang perlu dilakukan • Decide on improvements that need to be made to the
terhadap kebijakan dan/atau prosedur internal bank bank's internal policies and/or procedures if there are
bila terdapat aspek-aspek yang kurang selaras antara aspects that are not harmonized between the internal
kebijakan dan/atau prosedur internal tersebut policies and/or procedures.
• Dalam membuat kebijakan Kredit Bank harus • In making a credit policy, the Bank must pay attention
memperhatikan antara lain : to among others:
• Kepatuhan terhadap perundang-undangan dalam • compliance with legislation in granting credit
pemberian kredit
• Perkembangan dan kualitas portfolio perkreditan • Credit portfolio development and quality
• Kebenaran pelaksanaan kewenangan memutus kredit • correctness of the implementation of the authority to
decide credit
• Kebenaran proses pemberian, perkembangan, dan • the correctness of the granting process, progress, and
kualitas kredit yang diberikan kepada pihak terkait quality of loans granted to parties related to the Bank
dengan Bank dan debitur besar tertentu and certain large debtors.
• kebenaran pelaksanaan ketentuan BMPK • correctness of the implementation of BMPK provisions
• Penyelesaian kredit bermasalah sesuai dengan yang • Settlement of non-performing loans in accordance
ditetapkan dalam kebijakan perkreditan bank with the bank's credit policy.
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Laporan Tata Kelola Perusahaan
Good Corporate Governance Report
• Upaya Bank dalam memenuhi kecukupan jumlah • The Bank's efforts to meet the adequacy of the
penyisihan penghapusan kredit allowance for loan losses
• Hasil pengawasan terhadap penerapan dan pelaksanaan • The results of supervision of the application and
kebijakan perkreditan Bank implementation of the Bank's credit policy
Profil Anggota Komite Produk dan Product and Policy Committee Member
Kebijakan Profile
Profil anggota Komite Produk dan Kebijakan yang merupakan The profiles of Product and Policy Committee members who
anggota Direksi telah tersajikan pada bagian Profil Direksi are members of the Board of Directors have been presented
dalam laporan tahunan ini. Profil anggota Komite Produk dan in the Directors' Profile section of this annual report. The
Kebijakan yang bukan anggota Direksi adalah sebagai berikut: profiles of Product and Policy Committee members who are
not members of the Board of Directors are as follows:
Head of Product and Channel Division
Profil Denny Agustriawan
Data Diri Pendidikan Riwayat Pekerjaan
Personal Data Education Work History
Warga Negara • Sarjana Teknik Listrik, • IT Officer, PT Samsung Electronic Indonesia (2007-2008)
Indonesia, 40 tahun. Universitas Gadjah Mada • Software Engineer, PT EMS Paramitra (2008-2009)
Indonesian Citizen, (2007) • Senior Programmer Analyst - BaNCS Core Banking, PT Bank Negara
40 years old. • Magister Teknologi Informasi, Indonesia Tbk (2009-2014)
Universitas Indonesia (2012) • Parameter Analyst - Flexcube Core banking, PT Bank Commonwealth
(2014-2016)
• Bachelor of Electrical • Business Consultant - Online Cash Management, Hitachi eBworx Sdn
Engineering, Gadjah Mada Bhn (2016-2017)
University (2007) • IT Business Analyst / System Analyst - Payment & Switching, PT Bank
• Master of Information Commonwealth (2017-2018)
Technology, University of • Solutions Analyst - Wealth Management Digital Transformation,
Indonesia (2012) PT Bank Mandiri Tbk (2018-2020)
• Head of Product Division, PT Bank Neo Commerce Tbk (2020-2023)
• Head of Product and Channel Division, PT Bank Maspion Indonesia
Tbk (2023 - saat ini)
• IT Officer, PT Samsung Electronic Indonesia (2007-2008)
• Software Engineer, PT EMS Paramitra (2008-2009)
• Senior Programmer Analyst - BaNCS Core Banking, PT Bank Negara
Indonesia Tbk (2009-2014)
• Parameter Analyst - Flexcube Core banking, PT Bank Commonwealth
(2014-2016)
• Business Consultant - Online Cash Management, Hitachi eBworx Sdn
Bhd (2016-2017)
• IT Business Analyst / Systems Analyst - Payment & Switching, PT
Bank Commonwealth (2017-2018)
• Solutions Analyst - Wealth Management Digital Transformation, PT
Bank Mandiri Tbk (2018-2020)
• Head of Product Division, PT Bank Neo Commerce Tbk (2020-2023)
• Head of Product and Channel Division, PT Bank Maspion Indonesia
Tbk (2023 - present)
Head of Operational
Profil E. Akadhita Bogo Kristamtomo
Telah tersajikan pada bagian Profil Anggota Komite Manajemen Has been presented in the Risk Management Committee
Risiko Member Profile section
PT Bank Maspion Indonesia Tbk
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Head of Finance & Accounting
Profil Dwiana Kriswati
Telah tersajikan pada bagian Profil Anggota Komite Aset & Has been presented in the Assets & Liabilities Committee
Liabilitas Member Profile section
Head of Risk Management
Profil Rony Parolin Simanjuntak
Telah tersajikan pada bagian Profil Anggota Komite Aset & Has been presented in the Assets & Liabilities Committee
Liabilitas Member Profile section
Head of Policy Division
Profil Mohamad Kristanto
Data Diri Pendidikan Riwayat Pekerjaan
Personal Data Education Work History
Warga Negara • Ahli Madya Teknik Informatika, • Department Head of Retail Risk Group PT Bank Syariah Mandiri
Indonesia, 40 tahun. Sekolah Tinggi Teknologi (2001-2016)
Indonesian Citizen, Telkom (2005) • Senior Manager of Integrated Risk Management Division PT. Sarana
40 years old. • Sarjana Teknik Informatika, Multi Infrastruktur (2016-2022)
Universitas Mercu Buana (2009) • Department Head of Risk Management Division Indonesia Financial
• Magister Manajemen, Group (2022-2023)
Unviersitas Gadjah Mada (2021) • Division Head of Policy Division PT Bank Maspion Indonesia Tbk
(2023-saat ini)
• Associate Degree in Informatics
Engineering, Telkom Institute of • Department Head of Retail Risk Group at PT. Bank Syariah Mandiri
Technology (2005) (2001-2016)
• Bachelor of Informatics • Senior Manager of Integrated Risk Management Division at PT.
Engineering, Mercu Buana Sarana Multi Infrastruktur (2016-2022)
University (2009) • Department Head of Risk Management Division at Indonesia
• Master of Management, Gadjah Financial Group (2022-2023)
Mada University (2021) • Division Head of Policy Division at PT Bank Maspion Indonesia Tbk
(2023-present)
Operational Deputy Director
Profil Wong Robert Wijaya
Telah tersajikan pada bagian Profil Anggota Komite Manajemen Has been presented in the Risk Management Committee
Risiko. Member Profile section.
Head of Treasury
Profil Zulkifli Adijaya
Telah tersajikan pada bagian Profil Anggota Komite Aset dan Has been presented in the Asset and Liability Committee
Liabilitas. Member Profiles section.
PT Bank Maspion Indonesia Tbk
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Head of AML CFT WMD
Profil Lily Wijaya
Data Diri Pendidikan Riwayat Pekerjaan
Personal Data Education Work History
Warga Negara • Sarjana Ekonomi, • Senior Bookkeeper, PT Adya Buana Persada (1992 - 1997)
Indonesia, 50 tahun. Universitas Wijaya • Internal Audit Staff, PT Bank Maspion Indonesia Tbk(1997-2002)
Indonesian Citizen, Kusuma, Surabaya • Credit Risk Control Staff, PT Bank Maspion Indonesia Tbk (2002-2004)
50 years old. (1997) • Head of Operational Audit Sub Department, (2004-2006)
• Magister Manajemen • Head of Verification Department, PT Bank Maspion Indonesia Tbk
Keuangan, Universitas (2006-2014)
Airlangga, Surabaya • Head of AML-CFT, PT Bank Maspion Indonesia Tbk (2010-2017)
(2010)
• Head of Compliance & AML-CFTP, PT Bank Maspion Indonesia Tbk
(2017- 2024)
• Head of AML-CFTP, PT Bank Maspion Indonesia Tbk (2024-sekarang)
• Bachelor of Economics,
Wijaya Kusuma • Senior Bookkeeper, PT Adya Buana Persada (1992 - 1997)
University, Surabaya • Internal Audit Staff, PT Bank Maspion Indonesia Tbk (1997-2002)
(1997) • Credit Risk Control Staff, PT Bank Maspion Indonesia Tbk (2002-2004)
• Master of Financial • Head of Operational Audit Sub Department, (2004-2006)
Management, Airlangga • Head of Verification Department, PT Bank Maspion Indonesia Tbk
University, Surabaya (2006-2014)
(2010) • Head of AML-CFT, PT Bank Maspion Indonesia Tbk (2010-2017)
• Head of Compliance & AML-CFTP, PT Bank Maspion Indonesia Tbk
(2017-2024)
• Head of AML-CFTP, PT Bank Maspion Indonesia Tbk (2024-present)
Head of Internal Audit Division
Profil Marsel Adianto Tjahjadi
Telah tersajikan pada bagian Profil Audit Internal. Has been presented in the Internal Audit Profile section.
KOMITE SUMBER DAYA MANUSIA HUMAN RESOURCES COMMITTEE
Komite Sumber Daya Manusia adalah organ pendukung Direksi The Human Resources Committee is a supporting organ of
untuk membantu meningkatkan kinerja Bank, meningkatkan the Board of Directors to help improve the Bank's performance,
kompetensi karyawan baik hard skill maupun soft skill, improve employee competencies both hard and soft skills,
mendukung penerapan strategi anti fraud, serta memberikan support the implementation of anti-fraud strategies, and
nilai tambah bagi stakeholder. Adapun susunan anggota provide added value to stakeholders. The composition of the
Komite Sumber Daya Manusia sebagai berikut : Human Resources Committee members is as follows:
Susunan Anggota Komite Sumber Daya Manusia
Composition of Human Resources Committee Members
Ketua Direktur Utama
Chair President Director
Sekretaris Head of HR Services & Strategy
Secretary Head of HR Services & Strategy
PT Bank Maspion Indonesia Tbk
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Susunan Anggota Komite Sumber Daya Manusia
Composition of Human Resources Committee Members
Anggota Tetap • Direktur Kepatuhan dan Legal
Permanent Member Compliance and Legal Director
• Direktur Kredit dan Risiko
Director of Credit and Risk
• Direktur Marketing
Marketing Director
• Direktur Operasional
Director of Operations
• Head of HR Services & Strategy
Head of HR Services & Strategy
• Head of HR Management
Head of HR Management
• Chief People Officer
Chief People Officer
Anggota tidak tetap (tanpa hak suara) Unit yang memiliki keterkaitan dengan topik bahasan
Non-permanent members (without voting rights) Units that are related to the topic
Tugas dan Tanggung Jawab Komite Duties and Responsibilities of the
Sumber Daya Manusia Human Resources Committee
• Memberikan masukan dan melakukan kajian atas usulan • Provide input and review proposals for general policies
kebijakan umum dibidang sumber daya manusia termasuk in the field of human resources including changes,
perubahan – perubahannya, antara lain (namun tidak including (but not limited to) the following areas:
terbatas) pada bidang – bidang berikut :
• Perencanaan Tenaga Kerja • Workforce Planning
• Struktur Organisasi dan jenjang kepangkatan • Organizational structure and ranks
• Kebijakan umum tentang ketenagakerjaan • General policy on employment
• Kompensasi dan benefit karyawan • Employee compensation and benefits
• Manajemen Penilaian Kinerja, termasuk promosi • Performance Appraisal Management, including
promotion
• Talent Management • Talent Management
• Bentuk penghargaan dan sanksi ataupun jumlah • Forms of rewards and sanctions or amount of rewards/
penghargaan / sanksi bagi karyawan sanctions for employees
• Pensiun Karyawan • Employee Pension
• Pelatihan dan pengembangan karyawan • Employee training and development
• Budaya dan nilai perusahaan serta keterikatan karyawan • Corporate culture and values and employee engagement
• Manajemen Kasus/Pemberhentian Hubungan Karyawan • Case Management/Dismissal of Employee Relations
• Pengembangan hubungan karyawan dan industri • Employee and industry relations development
• Ekspatriat yang masuk • expatriates
• Melaksanakan tugas-tugas dan tanggung jawab lainnya • Carry out other duties and responsibilities assigned
yang diberikan oleh Direksi kepada Komite SDM dari by the Board of Directors to the HR Committee from
waktu ke waktu. time to time.
Profil Anggota Komite Sumber Daya Profile of Human Resources Committee
Manusia Members
Profil anggota Komite Sumber Daya Manusia yang merupakan The profiles of Human Resources Committee members who
anggota Direksi telah tersajikan pada bagian Profil Direksi are members of the Board of Directors have been presented
dalam laporan tahunan ini. Profil anggota Komite Sumber in the Directors' Profile section of this annual report. profiles
Daya Manusia yang bukan anggota Direksi adalah sebagai of Resources Committee members The who are not members
berikut: of the Board of Directors are as follows:
PT Bank Maspion Indonesia Tbk
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Head of HR Services & Strategy
Profil Erwin Kristianto Julistiono
Data Diri Pendidikan Riwayat Pekerjaan
Personal Data Education Work History
Warga Negara • Sarjana Teknik Informatika, Universitas • HR Manager, UPH Surabaya (2010-2015)
Indonesia, 44 Kristen Petra, Surabaya (2002) • Head of Student Services & Career Center, UPH Surabaya
tahun. • Master of Applied Commerce (MAC) in (2015-2023)
Indonesian Human Resource Management, The • HR Consultant, PT ACTS group (2016-2023)
Citizen, 44 years University of Melbourne, Melbourne, • HR Consultant, CV Hokky Retailindo, Bima (2021-2023)
old. Australia (2006) • HR Consultant, PT Visiniaga Mitra Kreasindo, Surabaya
• Magister Hukum (MH), UPH Surabaya, (2022-2023)
Surabaya (2016) • Head of HR Services & Strategy, PT Bank Maspion Indonesia
Tbk (2023-saat ini)
• Bachelor of Informatics Engineering, • HR Manager, UPH Surabaya (2010-2015)
Petra Christian University, Surabaya • Head of Student Services & Career Center, UPH Surabaya
(2002) (2015-2023)
• Master of Applied Commerce (MAC) in • HR Consultant, PT ACTS group (2016-2023)
Human Resource Management, The • HR Consultant, CV Hokky Retailindo, Bima (2021-2023)
University of Melbourne, Melbourne, • HR Consultant, PT Visiniaga Mitra Kreasindo, Surabaya
Australia (2006) (2022-2023)
• Master of Laws (MH), UPH Surabaya, • Head of HR Services & Strategy, PT Bank Maspion Indonesia
Surabaya (2016) Tbk (2023-present)
Head of HR Management
Profil Marlyn Tanralili
Data Diri Pendidikan Riwayat Pekerjaan
Personal Data Education Work History
Warga Negara • Sarjana Ekonomi • Personalia/Sekretaris di PT Bank Dharmala (1997 – 1999)
Indonesia, 47 tahun. Manajemen, • Kuasa TPS di BPPN (1999 – 2000)
Indonesian Citizen, 47 Universitas Atma • Personalia di PT Bank Maspion Indonesia Tbk (2000 – 2003)
years old. Jaya (1999) • Human Capital Business Partner di PT Bank OCBC NISP (2003 – 2018)
• Kepala Divisi HRD Strategy di PT Bank Maspion Indonesia Tbk (2018 – sekarang)
• Bachelor’s Degree, • Anggota Komite Remunerasi dan Nominasi, PT Bank Maspion Indonesia Tbk
Management (2019 – saat ini)
Economy Atma Jaya
University (1999) • Personnel/Secretary at PT Bank Dharmala (1997–1999)
• TPS Proxy at the Indonesian Bank Restructuring Agency (IBRA) (1999–2000)
• Personnel at PT Bank Maspion Indonesia Tbk (2000–2003)
• Human Capital Business Partner at PT Bank OCBC NISP (2003–2018)
• Head of HRD Strategy Division at PT Bank Maspion Indonesia Tbk (2018
- present)
• Member of the Remuneration and Nomination Committee, PT Bank Maspion
Indonesia Tbk (2019 - present)
PT Bank Maspion Indonesia Tbk
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Chief People Officer
Profil Ferhat Wideru
Data Diri Pendidikan Riwayat Pekerjaan
Personal Data Education Work History
Warga Negara • Bachelor of Science in • HR Supervisor, PT Astra Microtronics Technology (1993 - 1996)
Indonesia, 55 tahun. Agricultural Industrial • Compensation & Benefit Manager, DHL International (1997 - 1999)
Indonesian Citizen, Engineering, IPB • HR Consultant, PricewaterhouseCooper (PwC) (1999 - 2002)
55 years old. University • Senior HR Consultant, TASS Consulting (2022 - 2003)
• Master of Management • Employee & Industrial Relation Head, PT BASF Indonesia (2003 - 2004)
& Business, IPB • Assistant Vice President, Compensation & Benefit for Consumer Banking,
University Business Citibank N.A (2004 - 2006)
School • Senior Vice President, HR Business Head, PT Bank Danamon Indonesia
Tbk (2011 - 2019)
• Bachelor of Science in • Senior Vice President (SVP), Senior HC Business Partner & HC Region
Agricultural Industrial Lead, PT Bank Danamon Indonesia Tbk (2020 – 2024)
Engineering, IPB • Chief People Officer (CHRO) PT Bank Maspion Indonesia Tbk (2024
University - sekarang)
• Master of Management
& Business, IPB • HR Supervisor, PT Astra Microtronics Technology (1993 - 1996)
University Business • Compensation & Benefit Manager, DHL International (1997 - 1999)
School • HR Consultant, PricewaterhouseCooper (PwC) (1999 - 2002)
• Senior HR Consultant, TASS Consulting (2022 - 2003)
• Employee & Industrial Relation Head, PT BASF Indonesia (2003 - 2004)
• Assistant Vice President, Compensation & Benefit for Consumer Banking,
Citibank N.A (2004 - 2006)
• Senior Vice President, HR Business Head, PT Bank Danamon Indonesia
Tbk (2011 - 2019)
• Senior Vice President (SVP), Senior HC Business Partner & HC Region
Lead, PT Bank Danamon Indonesia Tbk (2020 – 2024)
• Chief People Officer (CHRO) PT Bank Maspion Indonesia Tbk
(2024 - present)
Head of AML-CFTP
Profil Lily Wijaya
Data Diri Pendidikan Riwayat Pekerjaan
Personal Data Education Work History
Warga Negara • Sarjana Ekonomi, • Senior Bookkeeper, PT Adya Buana Persada (1992 - 1997)
Indonesia, 50 tahun. Universitas Wijaya • Internal Audit Staff, PT Bank Maspion Indonesia Tbk(1997-2002)
Indonesian Citizen, Kusuma, Surabaya • Credit Risk Control Staff, PT Bank Maspion Indonesia Tbk (2002-2004)
50 years old. (1997) • Head of Operational Audit Sub Department, (2004-2006)
• Magister Manajemen • Head of Verification Department, PT Bank Maspion Indonesia Tbk
Keuangan, Universitas (2006-2014)
Airlangga, Surabaya • Head of AML-CFT, PT Bank Maspion Indonesia Tbk (2010-2017)
(2010) • Head of Compliance & AML-CFTP, PT Bank Maspion Indonesia Tbk
(2017- 2024)
• Bachelor of Economics, • Head of AML-CFTP, PT Bank Maspion Indonesia Tbk (2024-sekarang)
Wijaya Kusuma
University, Surabaya • Senior Bookkeeper, PT Adya Buana Persada (1992 - 1997)
(1997) • Internal Audit Staff, PT Bank Maspion Indonesia Tbk (1997-2002)
• Master of Financial • Credit Risk Control Staff, PT Bank Maspion Indonesia Tbk (2002-2004)
Management, Airlangga • Head of Operational Audit Sub Department, (2004-2006)
University, Surabaya • Head of Verification Department, PT Bank Maspion Indonesia Tbk
(2010) (2006-2014)
• Head of AML-CFT, PT Bank Maspion Indonesia Tbk (2010-2017)
• Head of Compliance & AML-CFTP, PT Bank Maspion Indonesia Tbk
(2017-2024)
• Head of AML-CFTP, PT Bank Maspion Indonesia Tbk (2024-present)
PT Bank Maspion Indonesia Tbk
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PENDIDIKAN DAN PELATIHAN EDUCATION AND TRAINING OF
KOMITE DI BAWAH DIREKSI COMMITTEES UNDER THE BOARD
OF DIRECTORS
Nama Anggota Komite Program Pelatihan Penyelenggara Waktu
Name Committee Member Training Program Organizer Date
MAGDALENA BARLI Manajemen Risiko Anti Fraud Awareness Unit Kerja Anti Fraud 14 - 18 Oct
Pengarah TI Anti-Fraud Work Unit 2024
Produk dan Kebijakan
Executive Workshop 2024 Board of Directors 12 - 14 Jul
2024
Risk Management
IT Steering IT Workshop: Digital Transformation 2025 Kasikornbank 5 Aug 2024
Products and Policies
Pembekalan Re-Sertifikasi Manajemen Risiko Raharja Duta 5 Jul 2024
Jenjang 6 Batch 2 Solusindo
Risk Management Re-Certification Debriefing
Level 6 Batch 2
Refreshment on Anti Money Laundering PT Andara Sarana & 18 Jan 2024
Program Current Issues and Challenges in Div. Compliance &
the Implementation of AML in Banking AML
Industry
Training Fundamentals of Bank Financial PT Andara Sarana 18 Dec 2024
Statement Analysis
Ujian Resertifikasi Manajemen Risiko Jenjang BSMR 3 Sep 2024
6 Batch 3
Risk Management Recertification Exam Level
6 Batch 3
Workshop Southeast Asia Leading Banking Kasikornbank 9 - 15 Jun
Data Processing Expertise 2024
WONG ROBERT Manajemen Risiko Anti Fraud Awareness Unit Kerja Anti Fraud 14 - 18 Oct
WIJAYA Produk dan kebijakan Anti-Fraud Work Unit 2024
Risk Management
Products and policies
Executive Workshop 2024 Board of Directors 12 - 14 Jul
2024
Mini Workshop Highlight Peraturan Otoritas Div. Compliance & 18 Mar 2024
Jasa Keuangan Nomor 22 Tahun 2023 AML
tentang Pelindungan Konsumen dan
Masyarakat di Sektor Jasa Keuangan
Mini Workshop Highlight Financial Services
Authority Regulation Number 22 Year 2023
on Consumer and Community Protection in
the Financial Services Sector
Pembekalan Re-Sertifikasi Manajemen Risiko Raharja Duta 5 Jul 2024
Jenjang 6 Batch 2 Solusindo
Risk Management Re-Certification Debriefing
Batch 2 Level 6
Refreshment on Anti Money Laundering PT Andara Sarana & 18 Jan 2024
Program Current Issues and Challenges in Div. Compliance &
the Implementation of AML in Banking AML
Industry
Sosialisasi Data Loss Prevention Awareness Dept. IT Cyber 23 Feb 2024
Batch 2 Security
Socialization of Data Loss Prevention
Awareness Batch 2
PT Bank Maspion Indonesia Tbk
252 Laporan Tahunan Terintegrasi 2024
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Nama Anggota Komite Program Pelatihan Penyelenggara Waktu
Name Committee Member Training Program Organizer Date
Sosialisasi Fungsi PIC APU PPT PPPSPM di Div. Compliance & 24 Feb 2024
Kantor Cabang dan Refreshment SOP APU AML
PPT PPPSPM
Socialization of AML/CFT PIC Function at
Branch Offices and Refresherment of AML/
CFT SOP for PPPSPM
Sosialisasi Kebijakan Pelindungan Data Div. Legal & Div. 30 May 2024
Pribadi (Personal Data Protection Law) - Compliance & AML
Batch 3
Socialization of Personal Data Protection Law
- Batch 3
Sosialisasi PKB 2024 sampai 2026 dan SKD Div. HR Services & 15 Aug 2024
No88 SK DIR 07 2024 tentang Perubahan Strategy
Aturan Cuti dan Uang Pengganti Cuti
Pakuwon Tower
Socialization of PKB 2024 to 2026 and SKD
No88 SK DIR 07 2024 concerning Changes
in Leave Rules and Leave Compensation
Pakuwon Tower
Training Agile Methodology for Banking Business Wisdom 9 Mar 2024
Industry Institute
Training Anti Pencucian Uang dan PPATK 13 Jan 2024
Pencegahan Pendanaan Terorisme Proliferasi
Senjata Pemusnah Massal Berbasis Risiko
Risk-Based Anti-Money Laundering and
Countering the Financing of Terrorism
Proliferation of Weapons of Mass Destruction
Training
Ujian Re-Sertifikasi Manajemen Risiko Raharja Duta 14 Jun 2024
Jenjang 6 Batch 1 Solusindo
Batch 1 Risk Management Re-Certification
Exam Level 6
Workshop Operational Directorate Strategy Kasikornbank 24 - 25 Jan
Plan 2024
Workshop Southeast Asia Leading Banking Kasikornbank 1 - 5 Apr 2024
General Affairs Expertise
KWAN TONY Pengarah TI Cyber Security Phishing Awareness Batch 2 Div. IT Infrastructure & 23 Apr 2024
SUTANTO IT Steering Cyber Security
Executive Workshop 2024 Board of Directors 12 - 14 Jul
2024
IT Workshop: Digital Transformation 2025 Kasikornbank 5 Aug 2024
Pembekalan Re-Sertifikasi Manajemen Risiko PT Raharja Duta 11 - 12 Jul
Jenjang 5 Batch 1 Solusindo 2024
Risk Management Re-Certification Debriefing
Level 5 Batch 1
Refreshment on Anti Money Laundering PT Andara Sarana & 18 Jan 2024
Program Current Issues and Challenges in Div. Compliance &
the Implementation of AML in Banking AML
Industry
PT Bank Maspion Indonesia Tbk
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Nama Anggota Komite Program Pelatihan Penyelenggara Waktu
Name Committee Member Training Program Organizer Date
Sosialisasi Data Loss Prevention Awareness Dept. IT Cyber 23 Feb 2024
Batch 2 Security
Socialization of Data Loss Prevention
Awareness Batch 2
Sosialisasi Emergency Preparedness and Pakuwon Tower 21 Jun 2024
Response
Socialization of Emergency Preparedness
and Response
Sosialisasi Kebijakan Pelindungan Data Div. Legal & Div. 30 May 2024
Pribadi (Personal Data Protection Law) - Compliance & AML
Batch 3
Socialization of Personal Data Protection Law
- Batch 3
Sosialisasi PKB 2024 sampai 2026 dan SKD BSMR 6 Aug 2024
No88 SK DIR 07 2024 tentang Perubahan
Aturan Cuti dan Uang Pengganti Cuti
Pakuwon Tower
Socialization of PKB 2024 to 2026 and SKD
No88 SK DIR 07 2024 concerning Changes
in Leave Rules and Leave Compensation
Pakuwon Tower
Ujian Re-Sertifikasi Manajemen Risiko Div. Legal & Div. 11 Jun 2024
Jenjang 5 Batch 1 Compliance & AML
Risk Management Re-Certification Exam
Level 5 Batch 1
RONY PAROLIN Aset dan Liabilitas Anti Fraud Awareness Unit Kerja Anti Fraud 14 - 18 Oct
SIMANJUNTAK Manajemen Risiko Anti-Fraud Work Unit 2024
Produk dan kebijakan
Certified Anti Fraud Manager CAFM Asia Anti Fraud 24 - 26 Sept
Pengarah TI
2024
Assets and Liabilities Executive Workshop 2024 Board of Directors 12 - 14 Jul
Risk Management 2024
Products and policies
Focus Group Discussion (FGD) Penerapan OJK Institute 20 May 2024
IT Steering
ILAAP serta Pengaturan dalam RPOJK LCR
dan RPOJK NSFR
Focus Group Discussion (FGD) on ILAAP
Implementation and Regulations in RPOJK
LCR and RPOJK NSFR
Idea Talks Riset OJK Institute Volume 4 OJK Institute 13 Mar 2024
Tahun 2024: Pemaparan dan Diskusi tentang
Strategi Pengembangan Perbankan Syariah
Indonesia dan Penguatan Market Conduct
pada Industri Asuransi Jiwa
Idea Talks OJK Institute Research Volume 4
Year 2024: Exposure and Discussion on
Indonesian Islamic Banking Development
Strategies and Strengthening Market
Conduct in the Life Insurance Industry
Pembekalan Re-Sertifikasi Manajemen Risiko Raharja Duta 14 Jun 2024
Jenjang 6 Batch 1 Solusindo
Batch 1 Level 6 Risk Management Re-
Certification Debriefing
Pembekalan Resertifikasi Manajemen Risiko PT Raharja Duta 22 Oct 2024
Jenjang 7 Solusindo
Level 7 Risk Management Recertification
Debriefing
PT Bank Maspion Indonesia Tbk
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Nama Anggota Komite Program Pelatihan Penyelenggara Waktu
Name Committee Member Training Program Organizer Date
Refreshment on Anti Money Laundering PT Andara Sarana & 18 Jan 2024
Program Current Issues and Challenges in Div. Compliance &
the Implementation of AML in Banking AML
Industry
Sosialisasi Enhancing Fraud Detection Bank Indonesia 26 Aug 2024
Systems to Strengthen Cybersecurity
Resilience in the Payment System Industry
Socialization of Enhancing Fraud Detection
Systems to Strengthen Cybersecurity
Resilience in the Payment System Industry
Sosialisasi PKB 2024 sampai 2026 dan SKD Div. HR Services & 15 Aug 2024
No.88 SK DIR 07 2024 tentang Perubahan Strategy
Aturan Cuti dan Uang Pengganti Cuti
Pakuwon Tower
Socialization of PKB 2024 to 2026 and SKD
No.88 SK DIR 07 2024 concerning Changes
in Leave Rules and Leave Compensation
Pakuwon Tower
Team Building Credit & Risk Directorate Integrated Risk 20 Dec 2024
Training ESG Communication Kasikornbank 15 Jan 2024
Ujian Resertifikasi Manajemen Risiko Jenjang LSPP 29 Oct 2024
7 Batch 2
Risk Management Recertification Exam Level
7 Batch 2
Ujian Sertifikasi Manajemen Risiko Jenjang 6 LSPP 22 Aug 2024
Batch 2
Batch 2 Level 6 Risk Management
Certification Exam
Sosialisasi Kebijakan Pelindungan Data Div. Legal & Div. 11 Jun 2024
Pribadi (Personal Data Protection Law) - Compliance & AML
Batch 3
Socialization of Personal Data Protection Law
- Batch 3
DWIANA KRISWATI Aset dan Liabilitas Anti Fraud Awareness Unit Kerja Anti Fraud 14 - 18 Oct
Pengarah TI 2024
Assets and Liabilities
Cyber Security Phishing Awareness Batch 2 Div. IT Infrastructure & 23 Apr 2024
IT Steering
Cyber Security
Executive Workshop 2024 Board of Directors 12 - 14 Jul
2024
Pembekalan Resertifikasi Manajemen Risiko Raharja Duta 5 Jul 2024
Jenjang 6 Batch 2 Solusindo
Batch 2 Level 6 Risk Management
Recertification Debriefing
Refreshment on Anti Money Laundering PT Andara Sarana & 18 Jan 2024
Program Current Issues and Challenges in Div. Compliance &
the Implementation of AML in Banking AML
Industry
Sosialisasi Data Loss Prevention Awareness Dept. IT Cyber 23 Feb 2024
Batch 2 Security
Socialization of Data Loss Prevention
Awareness Batch 2
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Good Corporate Governance Report
Nama Anggota Komite Program Pelatihan Penyelenggara Waktu
Name Committee Member Training Program Organizer Date
Sosialisasi Emergency Preparedness and Pakuwon Tower 21 Jun 2024
Response
Socialization of Emergency Preparedness
and Response
Sosialisasi Personal Data Protection Law Div. Compliance 13 Nov 2024
Internal dan External Data Sharing
Socialization of Personal Data Protection Law
Internal and External Data Sharing
Sosialisasi PKB 2024 sampai 2026 dan SKD Div. HR Services & 15 Aug 2024
No88 SK DIR 07 2024 tentang Perubahan Strategy
Aturan Cuti dan Uang Pengganti Cuti
Pakuwon Tower
Socialization of PKB 2024 to 2026 and SKD
No88 SK DIR 07 2024 concerning Changes
in Leave Rules and Leave Compensation
Pakuwon Tower
Team Building Div. Finance & Accounting CFO, Head of Finance 6 Dec 2024
and Accounting
Ujian Resertifikasi Manajemen Risiko Jenjang BSMR 3 Sep 2024
6 Batch 3
Risk Management Recertification Exam Level
6 Batch 3
E AKADHITA BOGO Manajemen Risiko Dissemination of Structured Product OJK 9 Dec 2024
KRISTAMTOMO Produk dan kebijakan Development Study Results
Provision Recertification Management Risk PT Raharja Duta 15 - 16 Aug
Risk Management
Level 5 Batch 3 Solusindo 2024
Products and policies
Meeting Hear Opinion Storage Data Guarantor Institution Jul 3, 2024
Management Based on Single Customer View Savings
Refreshment on Anti Money Laundering PT Andara Sarana & 18 Jan 2024
Program Current Issues and Challenges in the Div. Compliance &
Implementation of AML in Banking Industry AML
Socialization of Chinese Yuan Saving Product & Channel Oct 10, 2024
Account and Cashback Program for NTB and Division
Dormant Customers
Socialization Provision Standardization Bank Indonesia 20 Aug 2024
Competence in the Field System Payment of
SK SP to SK SP Bank perpetrators
Socialization of Quality Assurance Quality Assurance Sep 11, 2024
Methodology DLA and Instructions Dept.
Operational
Laundering and Prevention Training Funding PPATK 13 Jan 2024
Terrorism Proliferation Weapon The
Destroyer Mass Based on Risk
Training Credit Operation Audit Technique Inggar Riza Dwi Putra 25 Oct 2024
for Operational Quality Assurance & Argo Virgiawan
Wicaksono
Exam recertification Management Risk Level BSMR 15 Oct 2024
5 Batch 6
Southeast Asia Leading Banking Operational Kasikornbank 18 - 22 Mar
Expertise Workshop 2024
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Nama Anggota Komite Program Pelatihan Penyelenggara Waktu
Name Committee Member Training Program Organizer Date
ZULKIFLI ADIJAYA Aset dan Liabilitas Refreshment on Anti Money Laundering PT Andara Sarana & 18 Jan 2024
Assets and Liabilities Program Current Issues and Challenges in the Div. Compliance &
Implementation of AML in Banking Industry AML
Refreshment Treasury Dealer Basic and ACI FMA 3 Feb 2024
Intermediate: Central Counterparty Central
Counterparty Regulation and Market Code of
Conduct
Treasury Workshop Treasury Division 23 - 24 Aug
2024
Exam recertification Management Risk Level BSMR 9 Oct 2024
5 Batch 5
Exam Treasury Dealer Certification Level 7 ACI FMA Sep 7, 2024
Southeast Asia Leading Banking Kasikornbank 21 Oct - 15
Underwriting Expertise Workshop Nov 2024
Focus Group Discussion on the OJK Institute 20 May 2024
Implementation of ILAAP and Arrangement in
RPOJK LCR and RPOJK NSFR
Provision Recertification Management Risk OJK 15 - 16 Aug
Level 5 Batch 3 2024
Provision Exam Treasury Dealer Certification APUVINDO Sep 13, 2024
Level 7
Socialization Policy Personal Data Protection Div. Legal & Div. May 30, 2024
Batch 1 Compliance & AML
Socialization of PKB 2024 to 2026 and SKD HR Services & 15 Aug 2024
No. 88 SK DIR 07 2024 concerning Change Strategy Division
Rule Leave and Replacement Money
Pakuwon Tower Leave
Socialization of Circular Letter No.SE.007/ Div. Compliance & Jul 4, 2024
DIRKEP/06/2024 concerning Business AML, Div. Trade Sales
Relations and/ or Transaction with Affected
Countries Sanctions International
Team Building Treasury Surabaya Head of Treasury & 13 Dec 2024
Financial Institutions
Exam recertification Management Risk Level BSMR 9 Oct 2024
5 Batch 5
Exam Treasury Dealer Certification Level 7 ACI FMA Sep 7, 2024
Southeast Asia Leading Banking Treasury Kasikornbank 17 - 21 Jun
and Trade Sales Expertise Workshop 2024
DENNY Produk dan Kebijakan Focus Group Discussion Research OJK Institute 26 Feb 2024
AGUSTRIAWAN Products and Policies Compilation of the Banking Sector Market
Conduct Index
Mini Workshop Highlights POJK No. 22 of Compliance & AML 18 Mar 2024
2023 concerning Protection Consumers and Division
Society in the Financial Services Sector
Provision Certification Management Risk Lantern Glorious The 22 - 23 Mar
Level 4 Batch 1 Kingdom 2024
Management Refresher Risk Level 5 PT.Lightning Glorious Nov 15, 2024
The Kingdom
Refreshment on Anti Money Laundering PT Andara Sarana & 18 Jan 2024
Program Current Issues and Challenges in the Div. Compliance &
Implementation of AML in Banking Industry AML
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Nama Anggota Komite Program Pelatihan Penyelenggara Waktu
Name Committee Member Training Program Organizer Date
Team Building Div. Products and Channels Head of Product and 29 Nov - 1 Dec
Channel and Non 2024
Credit Product Head
Southeast Asia Leading Banking Product Kasikornbank 19 - 23 Feb
Expertise Workshop 2024
PURWOKO Pengarah TI Invitation Activity Consignment OJK 20 Aug 2024
IT Steering Implementation and Governance of Artificial
Intelligence in Frame Increase Digital
Resilience in the Banking Sector
FAISYAL HAKIM Manajemen Risiko Provision Certification Management Risk Lantern Glorious The 22 - 23 Mar
Produk dan Kebijakan Level 4 Batch 1 Kingdom 2024
Refreshment on Anti Money Laundering PT Andara Sarana & 18 Jan 2024
Risk Management
Program Current Issues and Challenges in the Div. Compliance &
Products and Policies
Implementation of AML in Banking Industry AML
Exam Risk Management Certification Level 4 BSMR 16 Oct 2024
Batch 4
MOHAMAD Produk dan Kebijakan KBanks Customer Identification System CIS Kasikornbank Sep 3, 2024
KRISTANTO Products and Policies Communication Session
New Committee RCAP and EC and CIS Kasikornbank Sep 3, 2024
Exam Certification Management Risk Level 5 BSMR 11 Oct 2024
Batch 2
Refreshment on Anti Money Laundering PT Andara Sarana & 18 Jan 2024
Program Current Issues and Challenges in the Div. Compliance &
Implementation of AML in Banking Industry AML
Socialization of PKB 2024 to 2026 and SKD HR Services & 15 Aug 2024
No. 88 SK DIR 07 2024 concerning Change Strategy Division
Rule Leave and Replacement Money
Pakuwon Tower Leave
Socialization of PKB 2024 to 2026 and SKD HR Services & 15 Aug 2024
No. 88 SK DIR 07 2024 concerning Change Strategy Division
Rule Leave and Replacement Money
Pakuwon Tower Leave
Exam Certification Management Risk Level 5 BSMR 11 Oct 2024
Batch 2
MARSEL ADIANTO Produk dan Kebijakan Refreshment on Anti Money Laundering PT Andara Sarana & 18 Jan 2024
TJAHJADI Pengarah TI Program Current Issues and Challenges in the Div. Compliance &
Implementation of AML in Banking Industry AML
Products and Policies
Socialization of Personal Data Protection Law Compliance Division 13 Nov 2024
IT Steering
Internal and External Data Sharing
Team Building Div. Internal Audit Surabaya Head of Internal Audit 20 Dec 2024
SME and Commercial Credit Audit Training : Acumen Advice 29 Feb - 1 Mar
Revealing Hidden Credit Risk 2024
ALIDA VICTORIA Kredit Provision Recertification Management Risk PT Raharja Duta 15 - 16 Aug
PUTRI Credit Level 5 Batch 3 Solusindo 2024
Socialization of B Flash Fast Track Working Product & Channel Apr 23, 2024
Capital Program Division
Trade Product Socialization Negotiation and Product & Channel 23 Aug 2024
Export Bill Discount Division
Exam Risk Management Certification Level 5 BSMR 16 Oct 2024
Batch 3
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Nama Anggota Komite Program Pelatihan Penyelenggara Waktu
Name Committee Member Training Program Organizer Date
Refreshment on Anti Money Laundering PT Andara Sarana & 18 Jan 2024
Program Current Issues and Challenges in the Div. Compliance &
Implementation of AML in Banking Industry AML
FX Product Program Socialization for CA and Treasury Division 17 Jan 2024
CR
Southeast Asia Leading Banking Product Kasikornbank 19 - 23 Feb
Expertise Workshop 2024
LILY WIJAYA Produk dan Kebijakan Tidak ada pelatihan
Manajemen Risiko No there is training
Products and Policies Capacity Building Penguatan Pemahaman Bank Indonesia 4 Juni 2024
Risk Management TPPU, TPPT, & PPSPM dan Kepatuhan
Pelaporan kepada KUPVA BB dan Penyedia
Jasa Pembayaran
Capacity Building Strengthening
Understanding of Anti-Money Laundering,
Combating the Financing of Terrorism, &
Prevention of the Financing of Proliferation of
Weapons of Mass Destruction and
Compliance with Reporting to the KUPVA BB
and Payment Service Providers
Mini Workshop Highlight POJK No22 Tahun Div. Compliance & 18 Mar 2024
2023 tentang Pelindungan Konsumen dan AML
Masyarakat di Sektor Jasa Keuangan
Mini Workshop Highlighting POJK No. 22 of
2023 concerning the Protection of
Consumers and the Public in the Financial
Services Sector
Pembekalan Re-Sertifikasi Manajemen Risiko PT Raharja Duta 14 Jun 2024
Jenjang 6 Batch 1 Solusindo
Level 6 Risk Management Re-Certification
Briefing Batch 1
Pertemuan Koordinasi PPATK Tahun 2024 PPATK 30 Jan 2024
Peran Pencegahan dan Pemberantasan TPPU
TPPT PPSPM dalam Menyongsong Indonesia
Emas 2045
PPATK Coordination Meeting 2024 The Role
of Prevention and Eradication of Money
Laundering and Terrorism Financing in
Welcoming Indonesia's Golden Age 2045
Program Mentoring Berbasis Risiko Tindak PPATK 15 - 16 Feb
Pidana Pencucian Uang TPPU dan Tindak 2024
Pidana Pendanaan Terorisme TPPT yang
Berasal dari Tindak Pidana Perdagangan
Orang dan pada Teknologi Finansial
Risk-Based Mentoring Program on Money
Laundering and Terrorist Financing Crimes
Derived from Trafficking in Persons and on
Financial Technology
Refreshment on Anti Money Laundering PT Andara Sarana & 18 Jan 2024
Program Current Issues and Challenges in the Div. Compliance &
Implementation of AML in Banking Industry AML
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Nama Anggota Komite Program Pelatihan Penyelenggara Waktu
Name Committee Member Training Program Organizer Date
Rembuk Nasional PPATK 2024: Optimalisasi PPATK 6 Jun 2024
Penerapan Prinsip Mengenali Pengguna Jasa
(PMPJ) dan Pelaksanaan Kewajiban
Pelaporan oleh Bank Umum kepada PPATK
PPATK National Conference 2024: Optimizing
the Implementation of the Principle of
Recognizing Service Users (PMPJ) and
Implementation of Reporting Obligations by
Commercial Banks to PPATK
Rencana Pembentukan dan Pelaksanaan OJK 21 Aug 2024
Pusat Penanganan Penipuan Transaksi
Keuangan PUSAKA
Plan for the Establishment and
Implementation of the PUSAKA Financial
Transaction Fraud Handling Center
Sosialisasi Emergency Preparedness and Pakuwon Tower 21 Jun 2024
Response
Dissemination of Emergency Preparedness
and Response
Sosialisasi Kebijakan Pelindungan Data Div. Legal & Div. 30 May 2024
Pribadi (Personal Data Protection Law) - Compliance & AML
Batch 1
Dissemination of Personal Data Protection
Law - Batch 1
Sosialisasi OJK Ketentuan Perbankan OJK 2 Dec 2024
Dissemination of OJK Banking Provisions
Sosialisasi Payroll Loan (New Concept) Div. Product & 16 May 2024
Dissemination of Payroll Loan (New Concept) Channel
Sosialisasi Pelaksanaan Bye Laws PERBANAS 23 Feb 2024
Penanganan Penundaan Transaksi Transfer
Dana Antar Bank
Dissemination of the Implementation of Bye
Laws for Handling Delays in Interbank Fund
Transfer Transactions
Sosialisasi Personal Data Protection Law Div. Compliance 13 Nov 2024
Internal dan External Data Sharing
Dissemination of the Personal Data
Protection Law on Internal and External Data
Sharing
Sosialisasi PKB 2024 sampai 2026 dan SKD Div. HR Services & 15 Aug 2024
No88 SK DIR 07 2024 tentang Perubahan Strategy
Aturan Cuti dan Uang Pengganti Cuti
Pakuwon Tower
Dissemination of PKB 2024 to 2026 and SKD
No. 88 SK DIR 07 2024 concerning
Amendments to the Rules on Leave and
Compensation for Leave Pakuwon Tower
Sosialisasi Product Program Supply Chain Div. Product & 28 May 2024
Financing & Account Receivable Financing Channel
Dissemination of Supply Chain Financing &
Account Receivable Financing Product
Program
Sosialisasi Program B Flash Modal Kerja Fast IBI BCC 20 - 21 Aug
Track 2024
Dissemination of the Fast Track Working
Capital Loan Program
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Nama Anggota Komite Program Pelatihan Penyelenggara Waktu
Name Committee Member Training Program Organizer Date
Sosialisasi Update QRIS CASA dan MEB Div. Product & 8 Nov 2024
Dissemination of QRIS CASA and MEB Channel
Updates
Team Building Div. AML CFTP Head of AML CFTP 30 Nov 2024
Team Building AML CFTP Division
Training Anti Pencucian Uang dan PPATK 13 Jan 2024
Pencegahan Pendanaan Terorisme Proliferasi
Senjata Pemusnah Massal Berbasis Risiko
Risk-Based Anti-Money Laundering and
Prevention of Terrorism Financing of
Proliferation of Weapons of Mass Destruction
Ujian Re-Sertifikasi Manajemen Risiko BSMR 6 Aug 2024
Jenjang 6 Batch 1
Level 6 Risk Management Re-Certification
Exam Batch 1
USDOJ Public - Private Roundtable: Active J.P. Morgan 26 Jun 2024
Discussion on Financial Crime Risk
Management in the Digital Age and Financial
Crimes Enforcement Network (FinCEN)
USDOJ Public - Private Roundtable: Active
Discussion on Financial Crime Risk
Management in the Digital Age and Financial
Crimes Enforcement Network (FinCEN)
Webinar: Penanganan Kejahatan Siber OJK 17 Jul 2024
termasuk Perjudian Daring sebagai Tindak
Pidana Asal Tindak Pidana Pencucian Uang
Webinar: Handling Cybercrime including
Online Gambling as a Predicate Offense for
Money Laundering
DEASY Aset dan Liabilitas 2024 Fitch on Indonesia FitchRatings 15 Mei 2024
WULANINGSIH Produk dan Kebijakan
Manajemen Risiko
Focus Group Discussion Penerapan ILAAP OJK Institute 20 Mei 2024
Pengarah TI
serta Pengaturan dalam RPOJK LCR dan
Assets and Liabilities
RPOJK NSFR
Product and Policy
Focus Group Discussion on the
Risk Management
Implementation of ILAAP and Regulations in
IT Steering
RPOJK LCR and RPOJK NSFR
Sosialisasi PKB 2024 sampai 2026 dan SKD Div. HR Services & 15 Agus 2024
No88 SK DIR 07 2024 tentang Perubahan Strategy
Aturan Cuti dan Uang Pengganti Cuti Pakuwon
Tower
Dissemination of PKB 2024 to 2026 and SKD No.
88 SK DIR 07 2024 concerning Amendments to
the Rules on Leave and Compensation for Leave
Pakuwon Tower
Executive Workshop 2024 Board of Directors 12-14 Juli
2024
IT Workshop: Digital Transformation 2025 Kasikornbank 5 Agustus
2024
PERBANAS CFO Forum II - 2024: Navigating Perbanas 1-3 Agustus
for Sustainability: Financial Leadership in a 2024
Changing World
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Nama Anggota Komite Program Pelatihan Penyelenggara Waktu
Name Committee Member Training Program Organizer Date
Team Building Div. Finance & Accounting CFO, Head of Finance 8 Des 2024
& Accounting
Peluang dan Tantangan Aset Digital di OJK 14 Maret 2024
Indonesia
ESY Kredit Credit SOP Refreshment - Provisions Policy 17 Dec 2024
Credit Collateral
Socialization of Personal Data Protection Law Compliance Division
Internal and External Data Sharing
MARLYN TANRALILI Sumber Daya Manusia Pelatihan Marlyn Tanralili dapat dilihat pada Folder GCG di bagian Komite di bawah bab
Human Resources Komisaris.
The training of Marlyn Tanralili can be seen in the GCG Folder in the Committee under
the Commissioner chapter.
FERHAT WIDERU Sumber Daya Manusia Pelatihan Ferhat Wideru dapat dilihat pada Folder GCG di bagian Komite di bawah bab
Human Resources Komisaris.
The training of Ferhat Wideru can be seen in the GCG Folder in the Committee under
the Commissioner chapter.
ERWIN KRISTIANTO Sumber Daya Manusia Pelatihan Erwin Kristianto Julistiono dapat dilihat pada Folder GCG di bagian Komite di
JULISTIONO Pengarah TI bawah bab Komisaris.
Human Resources The training of Erwin Kristianto Julistiono can be seen in the GCG Folder in the
IT Steering Committee under the Commissioner chapter.
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Fungsi Kepatuhan
Compliance Function [GRI 2-27]
Fungsi Kepatuhan adalah serangkaian tindakan atau langkah- Compliance Function is a series of preventive actions or
langkah yang bersifat preventif (ex-ante) untuk memastikan measures (ex-ante) to ensure that policies, provisions, systems,
bahwa kebijakan, ketentuan, sistem, dan prosedur, serta and procedures, as well as business activities carried out by
kegiatan usaha yang dilakukan oleh Bank telah sesuai dengan the Bank are in accordance with the provisions of the Financial
ketentuan Otoritas Jasa Keuangan dan ketentuan peraturan Services Authority and the provisions of laws and regulations,
perundang-undangan, serta memastikan kepatuhan Bank as well as ensuring the Bank's compliance with commitments
terhadap komitmen yang dibuat oleh Bank kepada Otoritas made by the Bank to the Financial Services Authority and/or
Jasa Keuangan dan/atau otoritas pengawas lain yang other authorized supervisory authorities.
berwenang.
Risiko Kepatuhan adalah risiko yang timbul akibat Bank tidak Compliance Risk is the risk arising from the Bank's failure to
mematuhi dan/atau tidak melaksanakan ketentuan peraturan comply with and/or not implementing the provisions of laws
perundang-undangan. and regulations.
Pengelolaan Risiko Kepatuhan yang baik dan tepat waktu Good and timely Compliance Risk Management is expected
diharapkan dapat meminimalisasi dampak risiko sedini mungkin. to minimize the impact of risks as early as possible. Thus, the
Dengan demikian peran dan Fungsi Kepatuhan maupun satuan role and function of Compliance and the compliance work
kerja kepatuhan tidak hanya melihat suatu kejadian yang unit not only see an event that is preventive (ex-ante) but also
bersifat preventif (ex-ante) melainkan juga harus mampu must be able to manage Compliance Risk as a whole. In
mengelola Risiko Kepatuhan secara keseluruhan. Dalam carrying out the compliance function, the Bank refers to the
menjalankan fungsi kepatuhan, Bank mengacu pada Peraturan Financial Services Authority Regulation Number 46/
Otoritas Jasa Keuangan Nomor 46/POJK.03/2017 tentang POJK.03/2017 concerning Implementation of Compliance
Pelaksanaan Fungsi Kepatuhan Bank Umum (POJK 46/2017). Function of Commercial Banks (POJK 46/2017).
Tugas yang dimiliki fungsi kepatuhan antara lain: The duties of the compliance function include:
• Mewujudkan terlaksananya budaya kepatuhan pada • Realizing the implementation of compliance culture
semua tingkatan organisasi dan kegiatan usaha Bank. at all levels of the organization and business activities
of the Bank.
• Mengelola risiko kepatuhan yang dihadapi oleh Bank. • Manage compliance risks faced by the Bank.
• Memastikan agar kebijakan, ketentuan, sistem dan • Ensure that policies, provisions, systems and procedures,
prosedur, serta kegiatan usaha yang dilakukan oleh as well as business activities carried out by the Bank
Bank telah sesuai dengan ketentuan regulator dan are in accordance with the provisions of regulators
perundang-undangan yang berlaku. and applicable laws.
• Memastikan kepatuhan Bank terhadap komitmen yang • Ensure the Bank's compliance with commitments made
dibuat oleh Bank kepada kepada Otoritas Jasa Keuangan by the Bank to the Financial Services Authority and/
dan/atau otoritas pengawas lain yang berwenang. or other authorized supervisory authorities.
DIREKTUR YANG MEMBAWAHKAN DIRECTOR IN CHARGE OF
FUNGSI KEPATUHAN (DIREKTUR COMPLIANCE FUNCTION
KEPATUHAN) (COMPLIANCE DIRECTOR)
Untuk mendukung terciptanya Budaya Kepatuhan dan To support the creation of a Compliance Culture and
penegakan kepatuhan (compliance) Bank dan berpedoman enforcement of the Bank's compliance and guided by Financial
pada Peraturan Otoritas Jasa Keuangan Nomor 46/2017 maka Services Authority Regulation Number 46/2017, the Bank is
Bank wajib untuk memiliki direktur yang membawahkan Fungsi required to have a director in charge of the Compliance
Kepatuhan. Sampai tahun 2024, Direktur yang membawahkan Function. Until 2024, the director in charge of the Compliance
Fungsi Kepatuhan adalah Bapak Viktor Ebenheizer Fanggidae Function is Mr. Viktor Ebenheizer Fanggidae who has experience
yang memiliki pengalaman di bidang perbankan selama lebih in the banking sector for more than 10 (ten) years so that he
dari 10 (sepuluh) tahun sehingga memiliki integritas dan has integrity and adequate knowledge of the provisions of
pengetahuan yang memadai mengenai ketentuan Otoritas the Financial Services Authority and the provisions of laws
Jasa Keuangan dan ketentuan peraturan perundang-undangan. and regulations.
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Penunjukan direktur yang membawahkan Fungsi Kepatuhan The appointment of the director in charge of the Compliance
telah memenuhi syarat yang berlaku yaitu : Function has met the applicable requirements, namely:
1. Direktur yang membawahkan Fungsi Kepatuhan wajib 1. The Director in charge of the Compliance Function
memenuhi persyaratan independensi. must meet the independence requirements.
2. Direktur Utama dilarang merangkap jabatan sebagai 2. The President Director is prohibited from concurrently
direktur yang membawahkan Fungsi Kepatuhan. serving as a director in charge of the Compliance Function.
3. Direktur yang membawahkan Fungsi Kepatuhan dilarang 3. The Director in charge of the Compliance Function is
membawahkan fungsi: prohibited from overseeing the function:
• bisnis dan operasional • business and operations
• manajemen risiko yang melakukan pengambilan • risk management that makes decisions on the
keputusan pada kegiatan usaha Bank Bank's business activities.
• tresuri (treasury) • treasury
• keuangan dan akuntansi • finance and accounting
• logistik dan pengadaan barang atau jasa • logistics and procurement of goods or services
• teknologi informasi • information technology
• audit internal • internal audit
4. Wajib memiliki integritas dan pengetahuan yang 4. Must have integrity and adequate knowledge of the
memadai mengenai ketentuan Otoritas Jasa Keuangan provisions of the Financial Services Authority and the
dan ketentuan peraturan perundang-undangan. provisions of laws and regulations.
Pengangkatan dan pelaksanaan tugas direktur yang The appointment and duties of the director in charge of the
membawahkan Fungsi Kepatuhan tersebut telah mengikuti Compliance Function have followed the provisions of the
ketentuan Otoritas Jasa Keuangan. Persetujuan dan Financial Services Authority. The approval and appointment
pengangkatan direktur yang membawahkan Fungsi Kepatuhan of the director in charge of the Compliance Function has
telah mengikuti proses berdasarkan ketentuan atau peraturan followed the process based on the applicable provisions or
yang berlaku. regulations.
Tugas dan tanggung jawab direktur yang membawahkan The duties and responsibilities of the director in charge of
Fungsi Kepatuhan antara lain: the Compliance Function include:
• Merumuskan strategi guna mendorong terciptanya • Formulate strategies to encourage the creation of the
Budaya Kepatuhan Bank; Bank's Compliance Culture;
• Mengusulkan kebijakan kepatuhan atau prinsip-prinsip • Propose compliance policies or compliance principles
kepatuhan yang akan ditetapkan oleh Direksi; to be established by the Board of Directors
• Menetapkan sistem dan prosedur kepatuhan yang • Establish compliance systems and procedures that
akan digunakan untuk menyusun ketentuan dan will be used to develop the Bank's internal regulations
pedoman internal Bank; and guidelines
• Memastikan bahwa seluruh kebijakan, ketentuan, • Ensure that all policies, provisions, systems, and
sistem, dan prosedur, serta kegiatan usaha yang procedures, as well as business activities carried out
dilakukan oleh Bank telah sesuai dengan ketentuan by the Bank are in accordance with the provisions of
Otoritas Jasa Keuangan dan ketentuan peraturan the Financial Services Authority and the provisions of
perundang-undangan; laws and regulations;
• Memantau dan menjaga Risiko Kepatuhan Bank agar • Monitor and maintain the Bank's Compliance Risk so
tidak menyimpang dari ketentuan yang berlaku. as not to deviate from the applicable regulations.
• Melakukan tindakan pencegahan agar kebijakan dan/ • Take precautions so that policies and/or decisions
atau keputusan yang diambil Direksi Bank tidak taken by the Bank's Board of Directors do not deviate
menyimpang dari ketentuan regulator dan ketentuan from the provisions of the regulator and the provisions
peraturan perundang-undangan; of laws and regulations;
• Memantau dan menjaga Risiko Kepatuhan Bank agar • Monitor and maintain the Bank's Compliance Risk so
tidak menyimpang dari ketentuan yang berlaku. as not to deviate from the applicable regulations.
• Menjaga dan memantau kepatuhan Bank terhadap • Maintain and monitor the Bank's compliance with all
semua perjanjian dan komitmen yang dibuat Bank agreements and commitments made by the Bank to
kepada regulator regulators.
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• Melakukan tugas dan tanggung jawab Direksi sesuai • Perform the duties and responsibilities of the Board
dengan UU tentang Perseroan Terbatas of Directors in accordance with the Law on Companies.
SATUAN KERJA KEPATUHAN COMPLIANCE UNIT
Sesuai dengan Peraturan Otoritas Jasa Keuangan Nomor In accordance with Financial Services Authority Regulation
46/2017 pada Pasal 4 maka Bank wajib membentuk Satuan Number 46/2017 in Article 4, the Bank is required to establish
Kerja Kepatuhan. a Compliance Working Unit.
Satuan kerja kepatuhan harus memenuhi kriteria antara lain: The compliance working unit must meet criteria, among
others:
a. Satuan kerja kepatuhan wajib independen yaitu Satuan a. The compliance work unit must be independent, namely
Kerja Kepatuhan harus dibentuk secara tersendiri dan the Compliance Work Unit must be formed separately
bebas dari pengaruh satuan kerja lainnya, serta and free from the influence of other work units, and
mempunyai akses langsung kepada direktur yang have direct access to the director in charge of the
membawahkan Fungsi Kepatuhan Compliance Function.
b. Pejabat dan staf di Satuan Kerja Kepatuhan dilarang b. Officials and staff in the Compliance Working Unit are
ditempatkan pada posisi menghadapi benturan prohibited from being placed in a position to face
kepentingan (conflict of interest) dalam melaksanakan conflicts of interest in carrying out the responsibilities
tanggung jawab Fungsi Kepatuhan of the Compliance Function.
Dalam menjalankan Fungsi Kepatuhan sesuai dengan Peraturan In carrying out the Compliance Function in accordance with
Otoritas Jasa Keuangan Nomor 46/2017, Bank telah membentuk Financial Services Authority Regulation Number 46/2017, the
Satuan Kerja Kepatuhan sebagai satuan kerja yang independen Bank has established a Compliance Working Unit as an
dan bebas dari pengaruh satuan kerja lainnya, Satuan Kerja independent working unit and free from the influence of other
Kepatuhan bertugas memantau kepatuhan seluruh unit kerja working units, the Compliance Working Unit is tasked with
Bank terhadap peraturan/ketentuan yang berlaku baik internal monitoring the compliance of all Bank work units with applicable
maupun eksternal serta memantau tindak lanjut oleh satuan regulations / provisions both internal and external and
kerja terkait. Adapun, Satuan Kerja Kepatuhan Bank dibagi monitoring follow-up by related work units. Meanwhile, the
menjadi 2 (dua) unit kerja yaitu Compliance Advisory and Bank's Compliance Working Unit is divided into 2 (two) working
Training serta Compliance Monitoring, Review, and Reporting. units, namely Compliance Advisory and Training and
Compliance Monitoring, Review, and Reporting.
Direksi melalui Satuan Kerja Kepatuhan secara rutin melaporkan The Board of Directors through the Compliance Working Unit
laporan kepatuhan untuk memastikan bahwa kebijakan, routinely reports compliance reports to ensure that the Bank's
prosedur, dan kegiatan usaha yang dilakukan Bank telah policies, procedures, and business activities are in accordance
sesuai dengan ketentuan regulator. Satuan Kerja Kepatuhan with regulatory requirements. The Compliance Working Unit
telah melakukan penginian terhadap Manual Kepatuhan has updated the Compliance Manual by issuing a Compliance
dengan menerbitkan kebijakan Kepatuhan yang telah disetujui Policy that has been approved by the President Director. The
oleh Direktur Utama. Pada Kebijakan Kepatuhan mengatur Compliance Policy regulates the Organization and Authority,
mengenai Organisasi dan Kewenangan, Fungsi Kepatuhan Compliance Function and Compliance Reporting and Monitoring.
serta Pelaporan dan Pemantauan Kepatuhan.
Pelaksanaan Fungsi Kepatuhan Bank antara lain dilaksanakan The implementation of the Bank's Compliance Function,
dengan: among others, is carried out by:
• Membuat langkah untuk mendukung terciptanya • Take steps to support the creation of a Compliance
Budaya Kepatuhan pada seluruh kegiatan usaha Bank Culture in all business activities of the Bank at all levels
pada setiap jenjang organisasi of .
• Melakukan identifikasi, pengukuran, pemantauan dan • Identify, measure, monitor and control Compliance
pengendalian terhadap Risiko Kepatuhan dengan Risk by referring to the Financial Services Authority
mengacu pada Peraturan Otoritas Jasa Keuangan Regulation regarding the implementation of risk
mengenai penerapan manajemen risiko bagi Bank management for Commercial Banks.
Umum.
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• Menilai dan mengevaluasi efektivitas, kecukupan, dan • Assess and evaluate the effectiveness, adequacy,
kesesuaian kebijakan, ketentuan, sistem maupun and suitability of policies, provisions, systems and
prosedur yang dimiliki oleh Bank dengan peraturan procedures owned by the Bank with the prevailing
perundang-undangan yang berlaku. laws and regulations.
• Melakukan reviu dan/atau merekomendasikan • Review and/or recommend the updating and
pengkinian dan penyempurnaan kebijakan, ketentuan, improvement of policies, provisions, systems and
sistem maupun prosedur yang dimiliki oleh Bank agar procedures owned by the Bank in order to comply
sesuai dengan ketentuan regulator dan ketentuan with regulatory requirements and statutory provisions.
peraturan perundang-undangan.
• Melakukan upaya-upaya untuk memastikan bahwa • Make efforts to ensure that the Bank's policies,
kebijakan, ketentuan, sistem dan prosedur, serta provisions, systems and procedures, as well as business
kegiatan usaha Bank telah sesuai dengan ketentuan activities are in accordance with the provisions of
regulator dan ketentuan peraturan perundang-undangan, regulators and laws and regulations, one of which is
salah satunya dengan melakukan uji kepatuhan. by conducting compliance tests.
• Melakukan tugas-tugas lainnya yang terkait dengan • Perform other duties related to the Compliance Function
Fungsi Kepatuhan
Bank senantiasa memberikan kesempatan kepada pegawai The Bank always provides opportunities for employees in the
di Satuan Kerja Kepatuhan untuk meningkatkan pengetahuan Compliance Working Unit to improve their knowledge and
dan kompetensi untuk mendukung pelaksanaan tugasnya competencies to support the implementation of their duties
pada berbagai pelatihan, seminar, atau sosialisasi termasuk at various trainings, seminars, or socializations including
aktif berpartisipasi dalam Forum Komunikasi Direktur Kepatuhan actively participating in the Banking Compliance Director
Perbankan (FKDKP) dan mengikuti sertifikasi kepatuhan yang Communication Forum (FKDKP) and following compliance
diselenggarakan oleh Lembaga Sertifikasi Profesi Perbankan certification organized by the Banking Professional Certification
(LSPP). Selain itu, sebagai bagian dari upaya membangun Institute (LSPP). In addition, as part of the effort to build a
Budaya Kepatuhan, Bank juga telah menyelenggarakan Compliance Culture, the Bank has also conducted various
berbagai pelatihan dan sosialisasi terkait ketentuan-ketentuan training and socialization related to new regulations to the
baru kepada divisi yang terkait. relevant divisions.
Dewan Komisaris melakukan pengawasan secara aktif terhadap The Board of Commissioners actively supervises the Bank's
Fungsi Kepatuhan Bank dengan melakukan evaluasi Compliance Function by evaluating the implementation of
pelaksanaan Fungsi Kepatuhan Bank serta memberikan saran the Bank's Compliance Function and providing advice to
untuk meningkatkan kualitas pelaksanaan Fungsi Kepatuhan improve the quality of the implementation of the Bank's
Bank agar aktifitas Bank selalu berada dalam koridor peraturan Compliance Function so that the Bank's activities are always
yang berlaku. Dewan Komisaris juga mengawasi jika ada within the corridors of applicable regulations. The Board of
potensi penyimpangan terhadap rasio-rasio kepatuhan wajib Commissioners also monitors potential deviations from
seperti Kewajiban Penyediaan Modal Minimum (KPMM), Batas mandatory compliance ratios such as Capital Adequacy Ratio
Maksimum Penyediaan Kredit (BMPK), Non-Performing Loan (CAR), Maximum Lending Limit (LLL), Non-Performing Loan
(NPL), Posisi Devisa Netto (PDN), Giro Wajib Minimum (GWM), (NPL), Net Open Position (NOP), Statutory Reserves (GWM),
Rasio Pendanaan Luar Negeri (RPLN), dll. Direksi bersama Foreign Funding Ratio (FFR), etc. The Board of Directors
Dewan Komisaris selalu mengupayakan penyelesaian komitmen together with the Board of Commissioners always strives for
dan tindak lanjut hasil pemeriksaan oleh regulator. the completion of commitments and follow-up of examination
results by regulators.
INDIKATOR KEPATUHAN TAHUN 2024 COMPLIANCE INDICATORS
2024
Indikator Kepatuhan adalah bentuk komitmen dan tingkat Compliance Indicators are a form of commitment and the
kepatuhan Bank terhadap ketentuan dan peraturan perundang- Bank's level of compliance with laws and regulations.
undangan. Indikator Kepatuhan tahun 2024 tercermin sebagai Compliance Indicators in 2024 are reflected as follows:
berikut:
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• Rasio KPMM termasuk risiko kredit, risiko pasar dan • The CAR ratio including credit risk, market risk and
risiko operasional adalah 43,51%. operational risk was 43.51%.
• Tidak terdapat pelanggaran terhadap BMPK baik • There is no violation of LLL to either Related Party or
kepada Pihak Terkait maupun Pihak Tidak Terkait. Non-Related Party.
• Rasio PDN sebesar 0,52% • NDP ratio of 0.52%
• Rasio Giro Wajib Rupiah adalah 6,31% dan GWM valas • Rupiah reserve requirement ratio was 6.31% and forex
adalah 4,27% reserve requirement was 4.27%.
• Rasio Kredit Bermasalah (NPL) Gross sebesar 3,26%. • Gross non-performing loan (NPL) ratio of 3.26%.
• Rasio Pendanaan Luar Negeri (RPLN) sebesar 8,51% • Foreign funding ratio (FFR) of 8.51%
Penerapan Anti Pencucian Uang (APU),
Pencegahan Pendanaan Terorisme (PPT) dan
Pencegahan Pendanaan Proliferasi Senjata
Pemusnah Masal (PPPSPM)
Implementation of Anti-Money Laundering (APU),
Prevention of Financing of Terrorism (PPT) and Prevention
of Financing Proliferation of Weapons of Mass Destruction
(PPPSPM)
Penerapan program Anti Pencucian Uang, Pencegahan The implementation of Anti-Money Laundering, Countering
Pendanaan Terorisme, dan Pencegahan Pendanaan Proliferasi the Financing of Terrorism, and Countering the Financing of
Senjata Pemusnah Massal (APU, PPT & PPPSPM) merupakan Proliferation of Weapons of Mass Destruction (AML, PPT &
kewajiban bagi seluruh pihak, terutama bagi Bank sebagai PPPSPM) program is an obligation for all parties, especially
penyedia jasa keuangan. Bank wajib menjalankannya mengingat for banks as financial service providers. Banks are obliged
modus yang digunakan oleh pelaku semakin variatif dalam to carry it out considering that the mode used by the perpetrators
memanfaatkan Bank sebagai sarana Tindak Pidana Pencucian is increasingly varied in utilizing the Bank as a means of
Uang (TPPU), Tindak Pidana Pendanaan Terorisme (TPPT), Money Laundering (TPPU), Criminal Acts of Financing Terrorism
dan Pendanaan Proliferasi Senjata Pemusnah Massal (PPSPM). (TPPT), and Financing Proliferation of Weapons of Mass
Dengan seiring berkembangnya kompleksitas produk dan Destruction (PPSPM). With the growing complexity of products
layanan serta meningkatnya penggunaan teknologi informasi and services as well as the increasing use of information
untuk kemudahan transaksi dan akses layanan perbankan, technology for ease of transactions and access to banking
risiko pemanfaatan perbankan sebagai media Pencucian Uang services, the risk of banking utilization as a medium for Money
dan/atau Pendanaan Terorisme juga semakin meningkat Laundering and/or Financing of Terrorism is also increasing
dengan berbagai modus yang beragam. Oleh karena itu, with various modes. Therefore, consistent, optimal, and
diperlukan penerapan program APU dan PPT yang konsisten, effective implementation of AML and CFT programs is required
optimal, dan efektif pada seluruh produk, layanan, maupun in all products, services, and transactions of the Bank.
transaksi Bank.
Penerapan program APU PPT tersebut Sesuai dengan regulasi The implementation of the AML/CFT program is in accordance
UU Pencegahan dan Pemberantasan Tindak Pidana Pencucian with the regulations of the Law on the Prevention and Eradication
Uang No. 8 Tahun 2010, UU Pencegahan dan Pemberantasan of the Crime of Money Laundering No. 8 of 2010, the Law on
Tindak Pidana Pendanaan Terorisme No. 9 Tahun 2013, POJK the Prevention and Eradication of the Crime of Financing of
No. 12/POJK.01/2017 tentang Penerapan Program Anti Pencucian Terrorism No. 9 of 2013, POJK No. 12/POJK.01/2017 concerning
Uang & Pencegahan Pendanaan Terorisme di Sektor Jasa the Implementation of Anti-Money Laundering & Terrorism
Keuangan yang telah dirubah menjadi POJK No.23.POJK.01/2019, Financing Programs in the Financial Services Sector which has
yang telah dirubah menjadi POJK No. 8 Tahun 2023 tentang been amended to POJK No.23.POJK.01/2019, which has been
Penerapan Program Anti Pencucian Uang, Pencegahan amended to POJK No. 8 of 2023 concerning the Implementation
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Pendanaan Terorisme, dan Pencegahan Pendanaan Proliferasi of Anti-Money Laundering Programs, Prevention of Terrorism
Senjata Pemusnah Massal di Sektor Jasa Keuangan, Surat Funding, and Prevention of Weapons of Mass Destruction
Edaran Otoritas Jasa Keuangan Nomor 32/SEOJK.03/2017 Proliferation Funding in the Financial Services Sector, Circular
tentang Penerapan Program Anti Pencucian Uang & Pencegahan Letter of the Financial Services Authority Number 32/
Pendanaan Terorisme di Sektor Perbankan dan Surat Edaran SEOJK.03/2017 on the Implementation of Anti-Money Laundering
Otoritas Jasa Keuangan Nomor 47/SEOJK.04/ 2017 tentang & Terrorism Financing Program in Banking Sector and Circular
Penerapan Program Anti Pencucian Uang dan Pencegahan Letter of the Financial Services Authority Number 47/SEOJK.04/
Pendanaan Terorisme di Sektor Pasar Modal, serta peraturan 2017 on the Implementation of Anti-Money Laundering and
PPATK. Bank berkomitmen penuh untuk senantiasa Terrorism Financing Prevention Program in Capital Market
melaksanakan program Anti Pencucian Uang dan Pencegahan Sector, as well as PPATK regulations. The Bank fully committed
Pendanaan Terorisme yang telah diatur dalam Undang Undang to always implementing the Anti-Money Laundering and
No. 8 tahun 2010 maupun ketentuan lainnya dan menetapkan Countering the Financing of Terrorism program which has been
unit kerja APU PPT & PPPSPM, Bisnis, Legal, Operasional, HR, regulated in Law No. 8 of 2010 and other provisions and
IT, manajemen risiko, dan Internal audit sebagai unit kerja establishes the AML/CFT & PPPSPM, Business, Legal, Operations,
yang melaksanakan penerapan program APU-PPT di Bank. HR, IT, risk management, and Internal audit work units as work
units that implement the AML-CFT program in the Bank.
Pengawasan aktif Direksi dan Komisaris memiliki peran penting Active supervision of the Board of Directors and Commissioners
dalam rangka pengendalian risiko pencucian uang, selain itu has an important role in controlling the risk of money laundering.
Bank juga membentuk unit kerja khusus dan pejabat sebagai In addition, the Bank also established a special work unit and
penanggung jawab memastikan penerapan program APU an official as the person in charge of ensuring the implementation
PPT. Pengawasan ini tercermin dari upaya – upaya: of the AML/CFT program. This supervision is reflected in the
efforts:
• Penerapan pre-employee screening dalam rangka • Implementation of pre-employee screening in order
penerimaan pegawai baru sebagai bagian dari to recruit new employees as part of the implementation
penerapan Know Your Employee (KYE) baik untuk of Know Your Employee (KYE) for both permanent and
pegawai tetap maupun tidak tetap non-permanent employees.
• Persetujuan terhadap kebijakan dan Prosedur APU- • Approval of AML/CFT policies and procedures as a
PPT sebagai panduan tetap dalam rangka implementasi permanent guide for the implementation of AML/CFT
program APU PPT dan Panduan tetap dalam programs and a permanent guide for controlling or
mengendalikan atau memitigasi risiko pencucian uang mitigating money laundering risks.
• Pelaksanaan Customer Due Diligence (CDD) untuk • Implementation of Customer Due Diligence (CDD) for
nasabah dan Enhanced Due Diligence (EDD) untuk customers and Enhanced Due Diligence (EDD) for
nasabah yang tergolong berisiko tinggi termasuk high-risk customers including Politically Exposed Person
Politically Exposed Person terhadap kemungkinan against possible money laundering and terrorism
pencucian uang dan pendanaan terorisme. financing.
• Pengkinian data berkala atas informasi dan dokumen • Periodic data updates on customer information and
nasabah yang dilakukan pada wilayah kerja masing- documents carried out in their respective working
masing areas.
• penanganan perkara hukum yang timbul terkait TPPU/ • handling of legal cases arising from ML/TPPT and
TPPT dan PPSPM. PPSPM.
• Memantau rekening nasabah dan pelaksanaan transaksi • Monitor customer accounts and execution of customer
nasabah. transactions.
Bank memiliki tanggung jawab untuk memastikan bahwa The Bank has the responsibility to ensure that policies and
kebijakan dan prosedur terkait program Anti Pencucian Uang procedures related to Anti-Money Laundering (AML), Prevention
(APU), Pencegahan Pendanaan Terorisme (PPT), dan of Financing of Terrorism (PPT), and Prevention of Financing
Pencegahan Pendanaan Proliferasi Senjata Pemusnah Massal of Proliferation of Weapons of Mass Destruction (PPPSPM)
(PPPSPM) diterapkan secara efektif dan berkelanjutan. Oleh programs are implemented effectively and sustainably.
karena itu, diperlukan penyusunan dan pemutakhiran kebijakan Therefore, it is necessary to develop and update policies and
serta prosedur yang mengatur berbagai aspek dalam procedures governing various aspects of the implementation
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implementasi program tersebut guna memastikan kepatuhan of these programs to ensure compliance with applicable
terhadap regulasi yang berlaku serta memitigasi risiko yang regulations and mitigate risks that may arise in banking
dapat timbul dalam operasional perbankan. operations.
Beberapa aspek utama dalam kebijakan dan prosedur ini Some of the key aspects of these policies and procedures
mencakup penerimaan, identifikasi, dan verifikasi nasabah include customer acceptance, identification and verification
untuk memastikan bahwa setiap individu atau entitas yang to ensure that each individual or entity opening an account
membuka rekening atau melakukan transaksi telah melalui or conducting a transaction has gone through a comprehensive
proses pemeriksaan yang komprehensif. Selain itu, Bank juga vetting process. In addition, the Bank is also required to
wajib melakukan identifikasi dan verifikasi terhadap beneficial identify and verify the beneficial owner, which is the party
owner, yakni pihak yang memiliki kendali akhir atas suatu that has final control over an entity or financial transaction,
entitas atau transaksi keuangan, guna mencegah to prevent misuse of accounts for the purpose of money
penyalahgunaan rekening untuk tujuan pencucian uang atau laundering or terrorism financing.
pendanaan terorisme.
Dalam rangka meningkatkan keamanan dan transparansi, In order to improve security and transparency, the Bank
Bank menerapkan Customer Due Diligence (CDD) yang implements Customer Due Diligence (CDD) which aims to
bertujuan untuk memahami profil nasabah, sumber dana, serta understand customer profiles, sources of funds, and transaction
tujuan transaksi guna mengidentifikasi aktivitas yang objectives to identify suspicious activities from the start. If
mencurigakan sejak awal. Jika ditemukan adanya indikasi there are indications of transactions that do not match the
transaksi yang tidak sesuai dengan profil nasabah atau adanya customer profile or violations of compliance policies, the Bank
pelanggaran kebijakan kepatuhan, Bank berwenang melakukan is authorized to close the business relationship with the
penutupan hubungan usaha dengan nasabah tersebut. customer.
Bank juga menerapkan pendekatan berbasis risiko (risk-based The Bank also applies a risk-based approach in managing
approach) dalam pengelolaan risiko pencucian uang dan money laundering and terrorism financing risks, so that
pendanaan terorisme, sehingga sumber daya dapat difokuskan resources can be focused on customers, transactions, or
pada nasabah, transaksi, atau area yang memiliki tingkat risiko areas that have a high level of risk. In this regard, Walk in
tinggi. Dalam hal ini, nasabah Walk in Customer (WIC), yang Customers (WIC), who do not have a long-term business
tidak memiliki hubungan usaha jangka panjang dengan Bank, relationship with the Bank, as well as individuals who are
serta individu yang tergolong dalam kategori Politically Exposed classified as Politically Exposed Person (PEP) or who come
Person (PEP) atau yang berasal dari area berisiko tinggi, akan from high-risk areas, will receive closer supervision.
mendapatkan pengawasan lebih ketat.
Selain itu, kebijakan dan prosedur juga mencakup pengelolaan In addition, policies and procedures also cover the management
cross border correspondent banking, yaitu hubungan perbankan of cross-border correspondent banking, which is a cross-
lintas negara yang memerlukan pengawasan ketat guna border banking relationship that requires close supervision
mencegah pemanfaatan sistem keuangan internasional untuk to prevent the utilization of the international financial system
tujuan ilegal. Bank juga mengatur mekanisme transfer dana for illegal purposes. The Bank also regulates a secure and
yang aman dan transparan guna memastikan bahwa setiap transparent funds transfer mechanism to ensure that every
transaksi sesuai dengan ketentuan yang berlaku. transaction is in accordance with applicable regulations.
Sebagai bagian dari implementasi yang menyeluruh, Bank As part of a comprehensive implementation, the Bank must
harus memastikan penatausahaan dokumen dilakukan dengan ensure proper document administration, including the recording,
baik, termasuk pencatatan, penyimpanan, serta pemantauan storage and monitoring of documents related to financial
dokumen terkait transaksi keuangan. Hal ini bertujuan untuk transactions. This aims to ensure that relevant information is
memastikan bahwa informasi yang relevan selalu tersedia always available to the competent authorities if needed. In
bagi otoritas yang berwenang jika diperlukan. Selain itu, Bank addition, the Bank must carry out reporting obligations to
wajib menjalankan kewajiban pelaporan kepada regulator regulators regarding suspicious activities or transactions, as
terkait aktivitas atau transaksi yang terindikasi mencurigakan, a form of compliance with regulations and efforts to prevent
sebagai bentuk kepatuhan terhadap regulasi dan upaya financial crime.
pencegahan tindak kejahatan keuangan.
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Dengan penerapan kebijakan dan prosedur yang komprehensif With the implementation of comprehensive policies and
serta pemutakhiran yang dilakukan secara berkala, Bank dapat procedures and regular updates, the Bank can ensure the
memastikan efektivitas program APU, PPT, & PPPSPM, sehingga effectiveness of AML, CFT, & PPPSPM programs, so as to
dapat mendukung terciptanya sistem keuangan yang lebih support the creation of a more transparent, secure, and
transparan, aman, dan terpercaya. reliable financial system.
Untuk terus meningkatkan kualitas dan kapasitas penerapan To continuously improve the quality and capacity of AML-CFT
program APU-PPT & PPPSPM Bank selalu berkomitmen dalam & PPPSPM program implementation, the Bank is always
menyempurnaan kebijakan, serta pengawasan aktif dari committed to improving policies, as well as active supervision
manajemen melalui pelatihan-pelatihan yang diberikan melalui from management through trainings provided internally and
internal maupun eksternal. Bank juga senantiasa melakukan externally. The Bank also continues to develop and improve
pengembangan dan penyempurnaan dalam penerapan the implementation of AML, CFT & PPPSPM programs, including:
program APU, PPT & PPPSPM antara lain meliputi:
• Menyusun dan mengevaluasi kebijakan dan prosedur • Develop and evaluate policies and procedures for the
pelaksanaan APU, PPT & PPPSPM sesuai dengan implementation of AML, CFT & PPPSPM in accordance
perkembangan kebijakan otoritas / regulator. with the development of authority/regulator policies.
• Memastikan kebijakan dan prosedur APU-PPT & PPPSPM • Ensure AML-CFT & PPPSPM policies and procedures
telah sesuai dengan ketentuan APU-PPT & PPPSPM are in accordance with the latest AML-CFT & PPPSPM
terkini, serta perkembangan volume transaksi maupun regulations, as well as the development of transaction
komplektisitas usaha Bank. volume and business complexity of the Bank.
• Mengelola pelaporan kepada Regulator terkait Laporan • Manage reporting to Regulators related to Cash
Transaksi Keuangan Tunai (LTKT), Laporan Transaksi Financial Transaction Reports (LTKT), Suspicious
Keuangan Mencurigakan (LTKM), Laporan Transaksi Financial Transaction Reports (LTKM), Financial
Keuangan dari dan ke Luar Negeri (LTKL) dan Laporan Transaction Reports from and to Overseas (LTKL) and
Sistem Informasi Pengguna Jasa Terpadu (SIPESAT). Integrated Service User Information System Reports
(SIPESAT).
• Melakukan sosialisasi kebijakan dan prosedur penerapan • Conduct socialization of policies and procedures for
program APU PPT & PPPSPM yang di usulkan oleh the implementation of AML/CFT & PPPSPM programs
Direksi dan di setujui oleh Dewan Komisaris kepada proposed by the Board of Directors and approved by
unit-unit terkait the Board of Commissioners to related units.
• Memantau pengkinian profil nasabah dan profil transaksi • Monitor the updating of customer profiles and customer
nasabah. transaction profiles.
• Memastikan pengkinian database daftar teroris dilakukan • Ensure regular updates of the terrorist list database
secara berkala berdasarkan database Daftar Teroris are conducted based on the published database of
dan Organisasi Teroris (DTTOT) dan Proliferasi Senjata Terrorist List and Terrorist Organization (DTTOT) and
Pemusnah Massal yang dipublikasikan. Proliferation of Weapons of Mass Destruction.
• Memastikan pengkinian kategori Negara berisiko tinggi • Ensure the updating of the high-risk country category
setelah diterimanya daftar baru/pengkinian data dari upon receipt of a new list/data update from the Financial
Otoritas Jasa Keuangan atau setelah diterbitkannya Services Authority or upon publication of the Financial
publikasi Negara berisiko tinggi dan tidak kooperatif Action Task Force (FATF)'s high-risk and non-cooperative
oleh Financial Action Task Force (FATF) countries publication
• Memastikan adanya sistem yang mendukung program • Ensure there is a system that supports the AML-CFT
APU-PPT & PPPSPM dan kebijakan dan prosedur APU- & PPPSPM program and AML-CFT & PPPSPM policies
PPT & PPPSPM telah dilaksanakan sesuai dengan and procedures have been implemented in accordance
kebijakan dan prosedur yang ditetapkan. with established policies and procedures.
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Sekretaris Perusahaan
Corporate Secretary
Sekretaris Perusahaan memiliki peranan penting sebagai The Corporate Secretary has an important role as a mediator
mediator antara Bank dengan pihak eksternal, termasuk between the Bank and external parties, including shareholders,
pemegang saham, serta pelaku pasar modal lainnya agar as well as other capital market players in order to maintain
dapat memelihara citra dan melindungi kepentingan Bank the image and protect the interests of the Bank on an ongoing
secara berkesinambungan. Sekretaris Perusahaan bertanggung basis. The Corporate Secretary is directly responsible to the
jawab langsung kepada Direktur Utama. Melalui Fungsi President Director. Through the Corporate Secretary function,
Sekretaris Perusahaan, Bank melakukan keterbukaan informasi the Bank discloses information to all stakeholders. In addition,
kepada seluruh pemangku kepentingan. Selain itu, Sekretaris the Corporate Secretary has responsibility for material
Perusahan memiliki tanggung jawab terhadap informasi- information relating to the Bank. The Corporate Secretary
informasi material yang berkaitan dengan Bank. Fungsi function in the Company has been established based on OJK
Sekretaris Perusahaan di Perusahaan telah dibentuk berdasarkan Regulation No. 35/POJK.04/2014 concerning Corporate
Peraturan OJK No. 35/POJK.04/2014 tentang Sekretaris Secretary of Issuers or Public Companies.
Perusahaan Emiten atau Perusahaan Publik.
Pembentukan Sekretaris Perusahaan berdasarkan Surat The establishment of the Corporate Secretary is based on
Keputusan Direktur No. 035/SK/DIR/06/2020 sejak tanggal Director Decree No. 035/SK/DIR/06/2020 dated June 15,
15 Juni 2020 yang mengangkat Iwan Djayawasita sebagai 2020 which appointed Iwan Djayawasita as Corporate
Sekretaris Perusahaan. Secretary.
PROFIL SEKRETARIS PERUSAHAAN CORPORATE SECRETARY PROFILE
Iwan Djayawasita
Jabatan | Position
Sekretaris Perusahaan | Corporate Secretary
Sekretaris Perusahaan saat ini dijabat oleh Iwan Djayawasita The Corporate Secretary is currently held by Iwan Djayawasita
yang diangkat sejak tanggal 15 Juni 2020 hingga akhir Desember who was appointed from June 15, 2020 until the end of
2024. Beliau merupakan Warga Negara Indonesia, usia 45 December 2024. He is an Indonesian citizen, 45 years old,
tahun berdomisili di Indonesia. Memperoleh gelar Sarjana domiciled in Indonesia. Obtained a bachelor's degree in
Teknik untuk jurusan program studi Teknik dan Manajemen Engineering majoring in Industrial Engineering and Management
Industri dari Universitas 17 Agustus 1945 Surabaya. Sebelumnya from the University of 17 August 1945 Surabaya. Previously,
pernah menjabat sebagai Manager Consumer Asset di Bank he served as Manager Consumer Asset at HSBC Bank, Team
HSBC, Team Leader Funding Consumer Banking Retail & Leader Funding Consumer Banking Retail & Corporate Business
Corporate Business Banking di Bank Commonwealth, Senior Banking at Commonwealth Bank, Senior Manager Corporate
Manager Corporate & Commercial Funding Business di Bank & Commercial Funding Business at Bank OCBC NISP Tbk.,
OCBC NISP Tbk., AVP Corporate Transaction Banking, Cash AVP Corporate Transaction Banking, Cash Management and
Management and Trade di Rabobank Indonesia, serta di Bank Trade at Rabobank Indonesia, and at Bank Mega as AVP
Mega menjabat sebagai AVP Regional Corporate Funding Regional Corporate Funding Manager concurrently Senior
Manager merangkap Senior Branch Manager. Branch Manager.
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TUGAS DAN TANGGUNG JAWAB DUTIES AND RESPONSIBILITIES
SEKRETARIS PERUSAHAAN OF THE CORPORATE SECRETARY
1. Mengikuti perkembangan Pasar Modal, khususnya 1. Keep abreast of developments in the Capital Market,
peraturan perundang-undangan yang berlaku di Pasar particularly the laws and regulations applicable to the
Modal; Capital Market;
2. Memberi masukan kepada Direksi dan Dewan Komisaris 2. Advise the Board of Directors and Board of
untuk mematuhi ketentuan peraturan perundang- Commissioners to comply with the provisions of laws
undangan di bidang Pasar Modal; and regulations in the Capital Market;
3. Membantu Direksi dan Dewan Komisaris dalam 3. Assisting the Board of Directors and Board of
pelaksanaan tata kelola perusahaan terbuka yang Commissioners in the implementation of public company
meliputi: governance which includes:
• Keterbukaan informasi kepada masyarakat, termasuk • Information disclosure to the public, including the
ketersediaan informasi pada Website Perusahaan; availability of information on the Company's Website;
• Penyampaian laporan kepada Otoritas Jasa • Timely submission of reports to the Financial
Keuangan tepat waktu; Services Authority;
• Mempublikasikan kepada masyarakat melalui Bursa • Publish to the public through the Indonesia Stock
Efek Indonesia setiap kejadian penting dan material Exchange every important and material event in
dalam rangka keterbukaan informasi; the framework of information disclosure;
• Penyelenggaraan dan dokumentasi Rapat Umum • Organization and documentation of the General
Pemegang Saham; Meeting of Shareholders;
• Memfasilitasi dan mendukung pelaksanaan rapat • Facilitate and support the implementation of Board
Direksi dan/atau Dewan Komisaris; of Directors and/or Board of Commissioners
meetings;
•Melakukan koordinasi dengan satuan kerja terkait • Coordinate with related work units and external
dan pihak / lembaga eksternal dalam rangka kegiatan parties/institutions in the framework of corporate
aksi korporasi. action activities.
4. Sebagai penghubung antara Perusahaan dengan 4. As a liaison between the Company and shareholders,
pemegang saham, Otoritas Jasa Keuangan dan the Financial Services Authority and other stakeholders.
pemangku kepentingan lainnya.
PELAKSANAAN TUGAS SEKRETARIS IMPLEMENTATION OF THE DUTIES
PERUSAHAAN TAHUN 2024 OF THE COMPANY SECRETARY IN
2024
Selama tahun 2024, tugas-tugas yang telah dilaksanakan oleh During 2024, the tasks carried out by the Corporate Secretary
Sekretaris Perusahaan antara lain: include:
• Mengoordinasi pelaksanaan pelaporan terkait • Coordinate the implementation of reporting related
keterbukaan informasi kepada regulator (Otoritas Jasa to information disclosure to regulators (Financial
Keuangan, Bursa Efek Indonesia, Bank Indonesia, dan Services Authority, Indonesia Stock Exchange, Bank
lain-lain); Indonesia, etc.);
• Menyampaikan pelaporan keterbukaan informasi • Submit information disclosure reporting through OJK
melalui OJK Pasar Modal, website Bursa Efek Indonesia, Capital Market, Indonesia Stock Exchange website,
website KSEI dan website Bank; KSEI website and Bank website;
• Membina komunikasi dan hubungan dengan profesi • Fostering communication and relationships with capital
penunjang pasar modal termasuk biro administrasi market support professionals including securities
efek, Perhimpunan Bank Nasional, Asosiasi Emiten administration bureaus, National Bank Association,
Indonesia, dan asosiasi lainnya terkait pelaksanaan Indonesian Issuers Association, and other associations
tugas Sekretaris Perusahaan; related to the implementation of the duties of the
Corporate Secretary;
• Mengoordinasi penyelenggaraan RUPST dan RUPSLB • Coordinate the organization of the AGMS and EGMS
serta paparan publik; as well as public exposures
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• Mengkoordinasi penyelenggaraan dan dokumentasi • Coordinate the organization and documentation of
rapat Dewan Komisaris dan Direksi; Board of Commissioners and Directors meetings;
• Mengkoordinasi dan administrasi pencatatan kepemilikan • Coordinate and administer share ownership records.
saham.
• Mengoordinasi penyusunan Laporan Tahunan dan • Coordinate the preparation of the Annual Report and
Laporan Keberlanjutan Tahun Buku 2024. Sustainability Report for the Financial Year 2024.
PENDIDIKAN / PELATIHAN EDUCATION/TRAINING OF
SEKRETARIS PERUSAHAAN COMPANY SECRETARY
Sepanjang tahun 2024, Sekretaris Perusahaan mengikuti Throughout 2024, the Corporate Secretary participated in
beberapa pelatihan dalam rangka pengembangan kompetensi several trainings in the context of competency development,
yaitu : namely:
Tanggal Pelatihan Penyelenggara
No
Date Training Organizer
1 22/02/2024 Workshop Sustainability Strategis : Best Practies for ESG Framework and AEI & UNAIR
Roadmap
2 20/05/2024 Training Customer Centricity
3 28/05/2024 Worshop Building Trusted Brand : How to Engage with Investor AEI & Mark Plus
4 28/05/2024 Seminar Pendalaman Peraturan BEI tentang “Pengaturan Free Float Bagi AEI & IDX
Perusahaan tercatat & Compliance Refreshment
IDX Regulation Deepening Seminar on "Free Float Arrangement for Listed
Companies & Compliance Refreshment
5 14/06/2024 Sosialisasi Peraturan Otoritas Jasa Keuangan (POJK) baru yaitu POJK 26/2023, OJK
POJK No. 29/2023, POJK No. 30/2023, POJK No. 4/2024 dan POJK No.6/2024
Socialization of new Financial Services Authority Regulations (POJK) namely
POJK 26/2023, POJK No. 29/2023, POJK No. 30/2023, POJK No. 4/2024 and
POJK No.6/2024
6 06/07/2024 Pembekalan BMSR Batch 6 OJK
BMSR Batch 6 Debriefing
7 08/07/2024 OJK Workshop “Penguatan Pengawasan Sektor Jasa Keuangan” OJK
OJK Workshop "Strengthening Financial Services Sector Supervision"
8 04 – 05/09/2024 Workshop & Diskusi Panel: Promoting Sustainable & Climate Resilient Indonesia AEI, OJK, BEI
Capital Market 2024 dan Pendalaman POJK Terkait Laporan Insidentil Serta
Laporan
Workshop & Panel Discussion: Promoting Sustainable & Climate Resilient
Indonesia Capital Market 2024 and Deepening POJK Related Incidental Reports
and Reports
9 10/09/2024 Webinar Penyegaran POJK , bagi Emiten Perusahaan Publik SERIES 1: POJK OJK & AEI
Terkait Laporan Berkala
POJK Refresher Webinar, for Public Company Issuers SERIES 1: POJK Related to
Periodic Reports
10 15/10/2024 Webinar Penyegaran POJK bagi Emiten Perusahaan Publik SERIES 2: POJK OJK & AEI
Terkait Keterbukaan Informasi atau Laporan Insidentil
POJK Refresher Webinar for Public Company Issuers SERIES 2: POJK Related to
Information Disclosure or Incidental Reports
11 29/10/2024 Webinar memahami Sustainability Assurance “SR Assurance berdasarkan AEI & GRI
standar AA 1000 & SR Assurance berdasarkan ISAE 3000
Webinar on understanding Sustainability Assurance "SR Assurance based on AA
1000 standard & SR Assurance based on ISAE 3000
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Tanggal Pelatihan Penyelenggara
No
Date Training Organizer
12 05/11/2024 Webinar Penyegaran POJK Bagi Emiten Perusahaan Publik SERIES 3: POJK AEI & GRI
Terkait Akuntan Publik dan/atau Kantor Akuntan Publik
POJK Refresher Webinar for Public Company Issuers SERIES 3: POJK Related to
Public Accountants and/or Public Accounting Firms
13 11/11/2024 Webinar Edukasi Core Tax P3KPI P3KPI
P3KPI Core Tax Education Webinar
14 14/11/2024 Webinar Penyegaran POJK Terkait AP/KAP AEI
Refresher Webinar on POJK Related to AP/KAP
15 18/11/2024 Webinar Pendekatan Terbaru Dalam Penyusunan Laporan Keberlanjutan (SR) IDX, STI & AEI
Melalui Pemanfaatan AI
Webinar A New Approach to Sustainability Reporting (SR) Through AI Utilization
16 21/11/2024 Diskusi Panel Penyegaran POJK Terkait RUPS, Kualifikasi Pasar Modal dan AEI & OJK
Laporan Keberlanjutan
Panel Discussion on POJK Refresher Related to GMS, Capital Market
Qualification and Sustainability Reports
17 03/12/2024 Webinar Penyelenggarakan POJK Bagi Emiten Perusahaan Publik SERIES 4: AEI & GRI
POJK Terkair Aksi Korporasi
Webinar Organizing POJK for Public Company Issuers SERIES 4: POJK Related to
Corporate Actions
18 05/12/2024 Webinar The Green Washing Trap: How To Build Public Awareness OJK & UNEP FI
19 10/12/2024 Webinar Navigating PMK 172 Strengthening Compliance & Fair Business AEI
Practices In Transfer Pricing For Listed Company
20 13/12/2024 Webinar Sosialisasi SPE-IDX Net Terkait Perkembangan Form Pelaporan AP/KAP, OJK
Waran Terstruktur dan ESG
SPE-IDX Net Socialization Webinar Related to the Development of AP / KAP
Reporting Forms, Structured Warrants and ESG
Fungsi SKAI (Satuan Kerja Audit Internal)
Function of SKAI (Internal Audit Work Unit)
SKAI merupakan bagian dari sistem pengendalian internal SKAI is part of an independent and objective internal control
yang independen dan obyektif yang dirancang untuk system designed to provide added value and improve company
memberikan nilai tambah dan meningkatkan operasional operations by evaluating the effectiveness of risk management,
perusahaan dengan mengevaluasi efektivitasnya proses control and governance processes in all aspects of the Bank's
manajemen risiko, kontrol dan tata kelola pada semua aspek business. SKAI in carrying out its functions refers to the
bisnis Bank. SKAI dalam melaksanakan fungsinya mengacu Financial Services Authority Regulation No.01/POJK.03/2019
kepada Peraturan Otoritas Jasa Keuangan No. 01/POJK.03/2019 dated January 28, 2019 concerning the Implementation of
tanggal 28 Januari 2019 tentang Penerapan Fungsi Audit Internal Audit Functions in Commercial Banks.
Internal pada Bank Umum.
PROFIL KEPALA SKAI PROFILE OF HEAD OF SKAI
Sesuai dengan Surat Keputusan Direksi No. 045A/SK/ In accordance with the Decree of the Board of Directors No.
DIR/09/2012 tanggal 25 September 2012 hingga akhir Desember 045A/SK/DIR/09/2012 dated September 25, 2012 until the
2024, Kepala SKAI dijabat oleh Marsel Adianto Tjahjadi, Warga end of December 2024, the Head of SKAI is Marsel Adianto
Negara Indonesia, 58 tahun yang berdomisili di Indonesia. Tjahjadi, an Indonesian citizen, 58 years old domiciled in
Bergabung dengan Bank sejak tahun 1995 sebagai staf SKAI Indonesia. He joined the Bank in 1995 as an SKAI staff and
dan menjabat Kepala SKAI sejak tahun 1999. Memulai karir served as Head of SKAI since 1999. Started his banking career
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perbankan di Bank Bali pada tahun 1990 sebagai staf SKAI. at Bank Bali in 1990 as SKAI staff. Obtained his Bachelor of
Memperoleh gelar Sarjana Ekonomi dari Universitas Merdeka Economics degree from Universitas Merdeka Malang in 1990.
Malang pada tahun 1990.
PENDIDIKAN / PELATIHAN SKAI EDUCATION / TRAINING SKAI
Kepala SKAI telah memiliki sertifikasi manajemen risiko Level The Head of Internal Audit has a Level 4 risk management
4 dan telah mengikuti refreshment terkait manajemen risiko certification and has participated in periodic refreshments
secara berkala. SKAI berkomitmen dalam mengembangkan related to risk management. SKAI is committed to developing
kompetensi untuk menambah wawasan dan meningkatkan competencies to add insight and improve the quality of human
mutu keterampilan sumber daya manusia yang dimiliki dengan resource skills by attending training and other development
mengikuti pelatihan dan program pengembangan lainnya. programs. During 2024, the Head of SKAI and SKAI staff
Selama tahun 2024 Kepala SKAI maupun staff SKAI mengikuti participated in various seminars and trainings as follows:
berbagai seminar dan pelatihan sebagai berikut:
Program Pelatihan Penyelenggara Waktu
Training Program Organizer Date
Training Anti Pencucian Uang dan Pencegahan Pendanaan Terorisme - Proliferasi PPATK 13 Jan 2024
Senjata Pemusnah Massal Berbasis Risiko
Risk-based Anti-Money Laundering and Countering the Financing of Terrorism -
Proliferation of Weapons of Mass Destruction Training
Refreshment on Anti Money Laundering Program Current Issues and Challenges PT Andara Sarana & Div. 18 Jan 2024
in the Implementation of AML in Banking Industry Compliance & AML
Sosialisasi Peraturan Perpajakan - Peraturan Pemerintah No. 58 Tahun 2023 KPP Pratama Surabaya 06 Feb 2024
tentang Tarif Pemotongan PPh Pasal 21 atas Penghasilan Sehubungan Dengan Tegalsari
Pekerjaan, Jasa, atau Kegiatan Wajib Pajak Orang Pribadi
Socialization of Tax Regulations - Government Regulation No. 58 Year 2023 on
Withholding Rate of Income Tax Article 21 on Income in Connection with Work,
Services, or Activities of Individual Taxpayers
Sosialisasi Data Loss Prevention Awareness Batch 2 Dept. IT Cyber Security 23 Feb 2024
Socialization of Data Loss Prevention Awareness Batch 2
Sosialisasi Fungsi PIC APU-PPT-PPPSPM di Kantor Cabang dan Refreshment SOP Div. Compliance & AML 24 Feb 2024
APU-PPT-PPPSPM
Socialization of APU-PPT-PPPSPM PIC Function at Branch Offices and
Refreshment of APU-PPT-PPPSPM SOPs
Training Audit Kredit SME dan Commercial: Mengungkap Hidden Credit Risk Acumen Advice 29 Feb - 1 Mar
SME and Commercial Credit Audit Training: Uncovering Hidden Credit Risk 2024
Cyber Security - Phishing Awareness Batch 1 Div. IT Infrastructure & Cyber 19 Apr 2024
Security
Sosialisasi Kebijakan Pelindungan Data Pribadi (Personal Data Protection Law) - Div. Legal & Div. Compliance 30 Mei 2024
Batch 1 & AML
Socialization of Personal Data Protection Law - Batch 1
Refreshment APU-PPT: Trade Based Money Laundering PT Andara Sarana & Div. 22 Jun 2024
Compliance & AML
Risk Manager Workshop - Developing Risk Control Self Assessment PT Arfaidhams Secret 19 – 20 Jul 2024
Anti Fraud Awareness Unit Kerja Anti Fraud 14 - 18 Oct 2024
Risk and Governance Summit (RGS) 2024: Strengthening the GRC Ecosystem in OJK 26 Nov 2024
the Financial Sector to Support the Golden Indonesia 2045 Vision
Sosialisasi Personal Data Protection Law Internal dan External Data Sharing Div. Compliance 13 Nov 2024
Socialization of Personal Data Protection Law Internal and External Data Sharing
Team Building Div. Internal Audit Surabaya Head of Internal Audit 20 Dec 2024
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Staff SKAI sudah memiliki sertifikasi profesi auditor dan sertifikasi SKAI staff already have auditor professional certification and
manajemen risiko dari Lembaga Sertifikasi Profesi Perbankan risk management certification from the Banking Professional
(LSPP) dan Badan Sertifikasi Manajemen Risiko (BSMR). Certification Institute (LSPP) and Risk Management Certification
Agency (BSMR).
KEDUDUKAN SKAI POSITION OF SKAI
SKAI dipimpin oleh Kepala SKAI yang bertanggung jawab SKAI is led by the Head of SKAI who reports directly to the
langsung kepada Direktur Utama dan merupakan unit kerja President Director and is an independent work unit. The Head
independen. Kepala SKAI diangkat oleh Direktur Utama dengan of SKAI is appointed by the President Director with the approval
persetujuan Dewan Komisaris dan rekomendasi Komite Audit of the Board of Commissioners and the recommendation of
dan telah dilaporkan kepada Otoritas Jasa Keuangan, Bursa the Audit Committee and has been reported to the Financial
Efek Indonesia, dan Bank Indonesia. Auditor yang duduk Services Authority, the Indonesia Stock Exchange, and Bank
dalam SKAI bertanggung jawab Kepada Kepala SKAI. Indonesia. Auditors who sit in SKAI are responsible to the
Head of SKAI.
DIREKTUR UTAMA
PRESIDENT DIRECTOR
DIVISI INTERNAL AUDIT
INTERNAL AUDIT DIVISION
DEPARTEMEN INTERNAL AUDIT DEPARTEMEN IT AUDIT
INTERNAL AUDIT DEPARTMENT IT AUDIT DEPARTMENT
RUPS
DEWAN KOMISARIS
BOARD OF COMMISSIONERS
DIREKTUR UTAMA
PRESIDENT DIRECTOR
DIREKTUR KEPATUHAN DIREKTUR LAINNYA
COMPLIANCE DIRECTOR OTHER DIRECTORS
SKAI
Keterangan: garis komunikasi / penyampaian informasi
Description: line of communication / information communication
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PIAGAM SKAI SKAI CHARTER
Piagam SKAI merupakan pedoman tata laksana kerja SKAI The SKAI Charter is a guideline for the work procedures of
yang ditetapkan oleh Direktur Utama setelah mendapatkan SKAI which is determined by the President Director after
persetujuan dari Dewan Komisaris dengan mempertimbangkan obtaining approval from the Board of Commissioners by
rekomendasi Komite Audit yang memuat visi dan misi, tugas considering the recommendations of the Audit Committee
dan tanggung jawab, kedudukan dan kewenangan serta which contains the vision and mission, duties and responsibilities,
pertanggungjawaban dari SKAI. Piagam Internal Audit Bank position and authority and accountability of SKAI. The Bank's
telah dibuat dan ditetapkan pada tanggal 17 Januari 2024 Internal Audit Charter was prepared and established on
dengan mengacu kepada Peraturan Otoritas Jasa Keuangan January 17, 2024 with reference to the Financial Services
No.01/POJK.03/2019 tentang Penerapan Fungsi Audit Intern Authority Regulation No.01/POJK.03/2019 concerning the
pada Bank Umum. Piagam SKAI ditinjau dan diperbarui sesuai Implementation of Internal Audit Function in Commercial
kebutuhan audit. Banks. The SKAI Charter is reviewed and updated according
to audit needs.
WEWENANG SKAI AUTHORITY OF SKAI
• SKAI dalam melaksanakan tugasnya diberikan wewenang • SKAI in carrying out its duties is authorized to access
untuk mengakses seluruh informasi yang relevan all relevant information about the company related to
tentang perusahaan terkait dengan tugas dan fungsinya its duties and functions.
• Melakukan komunikasi secara langsung dengan Direksi, • Communicating directly with the Board of Directors,
Dewan Komisaris, dan Komite Audit Board of Commissioners and Audit Committee.
• SKAI menyelenggarakan rapat secara berkala atau • SKAI holds regular or incidental meetings with the
insidentil dengan Direksi, Dewan Komisaris, dan/atau Board of Directors, Board of Commissioners, and/or
Komite Audit; Audit Committee;
• Melakukan koordinasi dengan auditor ekstern • Coordinate with external auditors
• Mengikuti rapat internal bank yang bersifat strategis • Participate in internal bank meetings that are strategic
in nature
TUGAS DAN TANGGUNG JAWAB DUTIES AND RESPONSIBILITIES
SKAI OF SKAI
• Menyusun dan melaksanakan rencana kerja SKAI • Prepare and implement an annual SKAI work plan that
tahunan yang bertujuan untuk membantu Direktur aims to assist the President Director and the Board of
Utama dan Dewan Komisaris dalam melakukan fungsi Commissioners in performing supervisory functions;
pengawasan;
• Menguji dan mengevaluasi pelaksanaan sistem • Test and evaluate the implementation of risk
manajemen risiko dan pengendalian intern sesuai management and internal control systems in accordance
dengan kebijakan Bank; with Bank policies;
• Melakukan pemeriksaan dan penilaian atas efisiensi • To examine and assess the efficiency and effectiveness
dan efektivitas di bidang keuangan, akuntansi, of finance, accounting, operations, human resources,
operasional, sumber daya manusia, pemasaran, marketing, information technology and other activities;
teknologi informasi dan kegiatan lainnya;
• Memberikan saran perbaikan dan informasi yang • Provide suggestions for improvement and objective
objektif tentang kegiatan yang diperiksa pada semua information on activities examined at all levels of
tingkat manajemen; management;
• Memantau, menganalisis dan melaporkan pelaksanaan • Monitor, analyze and report on the implementation of
tindak lanjut perbaikan yang telah disarankan; suggested corrective actions;
• Membuat laporan hasil Audit dan menyampaikan • Prepare an Audit report and submit the report to the
laporan tersebut kepada Direktur Utama dan salinannya President Director and a copy is submitted to the Board
disampaikan kepada Dewan Komisaris, Komite Audit of Commissioners, the Audit Committee and the Director
dan Direktur yang membawahkan fungsi kepatuhan; in charge of the compliance function;
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• Menyiapkan laporan pelaksanaan dan pokok-pokok • Prepare a report on the implementation and main
temuan hasil pemeriksaan dalam sebuah laporan untuk points of audit findings in a report to be submitted to
disampaikan kepada Otoritas Jasa Keuangan setiap the Financial Services Authority every semester;
semester;
• Menyusun program untuk mengevaluasi mutu kegiatan • Develop a program to evaluate the quality of activities
yang dilakukan SKAI; carried out by SKAI;
• Melakukan pemeriksaan khusus apabila diperlukan • Conduct special examinations if necessary
• Bekerja sama dengan unit kerja yang melakukan fungsi • Cooperate with the work unit that performs the internal
pengendalian internal pada Bank dengan control function at the Bank by prioritizing the
mengedepankan efektivitas fungsi pengendalian; effectiveness of the control function;
PELAKSANAAN TUGAS SKAI IMPLEMENTATION OF SKAI
TAHUN 2024 DUTIES IN 2024
Sepanjang tahun 2024, SKAI telah melakukan audit sesuai Throughout the year, SKAI has conducted audits in accordance
dengan rencana kerja yang telah disetujui oleh Direktur utama with the work plan approved by the President Director and
dan Dewan Komisaris dengan mempertimbangkan rekomendasi the Board of Commissioners by considering the recommendations
Komite Audit. of the Audit Committee.
Pada tahun 2024, SKAI menyampaikan laporan hasil pelaksanaan In 2024, SKAI submitted a report on the results of the
tugas SKAI sebagai berikut: implementation of SKAI's duties as follows:
• Laporan hasil audit dan monitoring tindak lanjut auditee • Report on audit results and monitoring of auditee
kepada Direktur Utama dan salinannya disampaikan follow-up to the President Director and a copy is
kepada Dewan Komisaris, Komite Audit dan Direktur submitted to the Board of Commissioners, Audit
yang membawahkan fungsi kepatuhan Committee and Director in charge of the compliance
function.
• Laporan pokok-pokok hasil pemeriksaan SKAI • Report on the main points of the results of the SKAI
semesteran kepada OJK examination semesterly to OJK
• Laporan hasil penilaian kepatuhan (LHPK) BI-RTGS, • Compliance assessment report (LHPK) of BI-RTGS,
BI-SKN, BI-Fast, BI-DHN, BI-SSSS, dan BI-ETP kepada BI-SKN, BI-Fast, BI-DHN, BI-SSSS, and BI-ETP to Bank
Bank Indonesia. Indonesia.
• Laporan kualitas data single customer view dan • Report on single customer view data quality and system
kehandalan sistim kepada Lembaga Penjaminan reliability to the Deposit Insurance Corporation.
Simpanan
Pada tahun 2024, secara keseluruhan SKAI telah bekerja In 2024, SKAI as a whole has worked independently, objectively
secara independen, obyektif dan tidak terdapat intervensi and without intervention from any party.
dari pihak manapun.
Fungsi Audit Eksternal
External Audit Function
Dewan Komisaris Perseroan diberikan wewenang oleh RUPS The Company's Board of Commissioners is authorized by the
untuk menunjuk Kantor Akuntan Publik (KAP) dan Akuntan GMS to appoint a Public Accounting Firm (KAP) and a registered
Publik (AP) terdaftar untuk mengaudit laporan keuangan Public Accountant (AP) to audit the Company's financial
Perseroan untuk tahun buku yang berakhir pada tanggal 31 statements for the fiscal year ending December 31, 2024 and
Desember 2024 serta menetapkan honorarium dan persyaratan determine the honorarium and other requirements by taking
lainnya dengan memperhatikan rekomendasi Komite Audit into account the recommendations of the Audit Committee
dan peraturan perundang-undangan yang berlaku. Berdasarkan and applicable laws and regulations. Based on the power of
kuasa tersebut dan rekomendasi dari Komite Audit, telah attorney and the recommendation of the Audit Committee,
ditunjuk KAP Binder Dijker Otte (BDO) Tanubrata, Sutanto, KAP Binder Dijker Otte (BDO) Tanubrata, Sutanto, Fahmi,
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Fahmi, Bambang & Rekan untuk melakukan audit Laporan Bambang & Partners has been appointed to audit the Financial
Keuangan untuk tahun buku yang berakhir pada tanggal 31 Statements for the fiscal year ending December 31, 2024 with
Desember 2024 dengan biaya jasa audit sebesar Rp1.110.000.000 an audit fee of Rp1,110,000,000 (One Billion One Hundred
(Satu Miliar Seratus Sepuluh Juta Rupiah). Penetapan Kantor Ten Million Rupiah). The appointment of the Public Accounting
Akuntan Publik dan Akuntan Publik didasarkan pada peraturan Firm and Public Accountant is based on the Financial Services
Otoritas Jasa Keuangan No. 9 Tahun 2023 tentang Penggunaan Authority regulation No. 9 of 2023 concerning the Use of
Jasa Akuntan Publik dan Kantor Akuntan Publik dalam Kegiatan Public Accountant Services and Public Accounting Firm in
Jasa Keuangan Services Activities.
Penunjukan KAP Binder Dijker Otte (BDO) Tanubrata, Sutanto, The appointment of KAP Binder Dijker Otte (BDO) Tanubrata,
Fahmi, Bambang & Rekan telah dilakukan sesuai ketentuan Sutanto, Fahmi, Bambang & Partners has been carried out
yang berlaku antara lain: in accordance with the applicable provisions, among others:
• Merupakan Kantor Akuntan Publik dan Akuntan Publik • Is a Public Accounting Firm and Public Accountant
yang terdaftar di Otoritas Jasa Keuangan. registered with the Financial Services Authority.
• Pihak Akuntan Publik tidak memberikan jasa profesional • The Public Accountant does not provide other
lainnya selain jasa audit kepada Bank sehingga tidak professional services other than audit services to the
terdapat kemungkinan terjadinya benturan kepentingan. Bank so there is no possibility of conflict of interest.
• Akuntan Publik dan KAP melaksanakan tugas secara • Public Accountants and KAP carry out tasks
independen sesuai dengan pedoman standar profesi independently in accordance with the guidelines of
akuntan publik, serta ruang lingkup audit yang telah the public accounting professional standards, as well
ditentukan. as the scope of the audit that has been determined.
Fungsi Manajemen Risiko
Dan Pengendalian Internal
Risk Management and Internal Control Functions
MANAJEMEN RISIKO [OJK E.3][GRI 2-12, 2-16] RISK MANAGEMENT
Manajemen Risiko adalah serangkaian metodologi dan prosedur Risk Management is a series of methodologies and procedures
yang digunakan untuk mengidentifikasi, mengukur, memantau, used to identify, measure, monitor and control risks arising
dan mengendalikan Risiko yang timbul dari seluruh kegiatan from all of the Bank's business activities. Along with the growth
usaha Bank. Seiring dengan bertumbuh dan berkembangnya and development of the Bank's business activities, the risks
kegiatan usaha Bank menyebabkan semakin meningkatnya faced are increasing. Therefore, in order to be able to adapt
risiko yang dihadapi. Oleh karena itu, agar mampu beradaptasi in the banking business environment, the Bank is required
dalam lingkungan bisnis perbankan, Bank dituntut untuk to implement Risk Management. In its implementation, the
menerapkan Manajemen Risiko. Dalam penerapannya, Bank Bank refers to the Financial Services Authority Regulation
merujuk pada Peraturan Otoritas Jasa Keuangan Nomor18/ Number 18/POJK.03/2016 concerning the Implementation of
POJK.03/2016 tentang Penerapan Manajemen Risiko Bagi Risk Management for Commercial Banks and the Financial
Bank Umum dan Surat Edaran Otoritas Jasa Keuangan Nomor Services Authority Circular Letter Number34/ SEOJK.03/2016
34/ SEOJK.03/2016 tentang Penerapan Manajemen Risiko concerning the Implementation of Risk Management for
Bagi Bank Umum. Commercial Banks.
Bank telah membentuk Divisi Manajemen Risiko yang melakukan The Bank has established a Risk Management Division that
pengelolaan seluruh risiko dalam kaitanya dengan aktifitas manages all risks associated with its banking activities. The
perbankan yang dijalankan. Divisi manajemen risiko berada risk management division is under the supervision of the
pada pengawasan Direktur Credit dan Risk yang dalam Director of Credit and Risk which in implementation consists
implementasi terdiri atas beberapa bagian yakni : of several sections, namely:
• Credit Model dan Portfolio • Credit Model and Portfolio
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• Credit Risk Control • Credit Risk Control
• Integrated Risk Management • Integrated Risk Management
• Risk Reporting • Risk Reporting
• Unit Anti Fraud • Anti-fraud Unit
Di tahun 2024 terdapat penambahan Unit Anti Fraud In 2024 there was an addition of an Anti Fraud Unit based
berdasarkan POJK 12 Tahun 2024 tentang Penerapan Strategi on POJK 12 of 2024 concerning the Implementation of Anti
Anti Fraud bagi Lembaga Jasa Keuangan (LJK) yaitu Bagi LJK Fraud Strategy for Financial Services Institutions (LJK), namely
yang telah memiliki kewajiban menerapkan manajemen risiko for LJKs that already have the obligation to implement risk
maka unit kerja atau fungsi yang menangani penerapan management, the work unit or function that handles the
Strategi Anti Fraud dapat dilakukan oleh unit kerja atau fungsi implementation of the Anti Fraud Strategy can be carried out
kepatuhan dan/atau manajemen risiko. Dalam hal ini Bank by the work unit or function of compliance and/or risk
memutuskan Unit Anti Fraud dibawah Divisi Manajemen Risiko. management. In this case, the Bank decides on the Anti Fraud
Unit under the Risk Management Division.
Divisi manajemen Risiko yang dibentuk, independen terhadap The Risk Management Division is independent of the business
bisnis unit, fungsi kepatuhan dan audit internal. Secara umum units, compliance and internal audit functions. In general, the
Divisi manajemen risiko telah melakukan penyusunan, Risk Management Division has developed, established, and
penetapan, dan mengkinikan prosedur dan framework untuk updated procedures and frameworks to identify, measure,
mengidentifikasi, mengukur, memonitor dan mengendalikan monitor and control risks, which are carried out in accordance
risiko, yang dilakukan sesuai dengan perkembangan kegiatan with the development of the Bank's business activities and
usaha Bank maupun perubahan peraturan otoritas. Selama changes in authority regulations. During 2024, the outline of
tahun 2024, secara garis besar pengelolaan risiko Bank dapat the Bank's risk management can be described as follows:
didiskripsikan sebagai berikut:
• Melakukan monitoring terhadap kredit-kredit yang • Monitoring the loans that have been disbursed and
telah disalurkan dan berfokus pada pengendalian focusing on controlling Non-Performing Loan (NPL).
Non-Performing Loan (NPL)
• Melakukan mitigasi risiko kredit melalui Discipline • Mitigating credit risk through Discipline onboarding
onboarding dan Monitoring (Early Alert Monitoring and Monitoring (Early Alert Monitoring Forum & Credit
Forum & Credit Risk Control Unit) Risk Control Unit)
• Mengembangan credit risk rating untuk dapat membantu • Developed credit risk rating to help assess credit
menilai pengajuan kredit. applications.
• Menetapkan portfolio guideline guna mengarahkan • Establish portfolio guidelines to direct and monitor
dan memantau penyaluran kredit ke sektor-sektor lending to sectors with good growth.
yang memiliki pertumbuhan baik
• Mengembangkan prosedur dan alat untuk identifikasi, • Develop procedures and tools for identification,
pengukuran, pemantauan, dan pengendalian Risiko measurement, monitoring and control of Risks
• Melakukan kajian risiko terhadap usulan produk dan/ • Conduct a risk assessment of proposed new products
atau aktivitas baru and/or activities
• Melakukan stress test dampak perubahan suku bunga • Conduct stress tests on the impact of interest rate
terhadap pendapatan Bank. changes on the Bank's income.
• Melakukan monitoring terhadap Posisi Devisa Neto • Monitoring the Net Open Position (NOP)
(PDN)
• Melakukan pengelolaan Risiko Operasional di seluruh • Operational Risk management in all units in Bank
Unit yang ada di bank Maspion meliputi identifikasi, Maspion includes identification, measurement,
pengukuran, pemantauan, dan pengendalian melalui monitoring, and control through Operational Risk tools,
perangkat Risiko Operasional, seperti Risk Control Self such as Risk Control Self Assessment (RCSA), Key Risk
Assessment (RCSA), Key Risk Indicator (KRI), dan Indicator (KRI), and Operational Risk Event Database
Operational Risk Event Database (ORED). (ORED).
• Memastikan pengelolaan Risiko Operasional masih • Ensure that Operational Risk management is within
dalam batas risk appetite Bank. the Bank's risk appetite.
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• Berperan aktif dalam meningkatkan risk awareness • Play an active role in increasing risk awareness for all
bagi seluruh karyawan di setiap Unit, melalui sosialisasi, employees in each Unit, through socialization,
implementasi perangkat Risiko Operasional, dan sharing implementation of Operational Risk tools, and sharing
session. sessions.
• Berperan aktif dalam mengkomunikasikan atau • Play an active role in communicating or integrating
mengintegrasikan pengelolaan Risiko Operasional di Operational Risk management at the Unit level to the
level Unit ke Manajemen puncak Bank guna memberikan Bank's top management to provide management with
gambaran bagi Manajemen terhadap eksposur Risiko an overview of the Bank's current Operational Risk
Operasional Bank saat ini serta sebagai alat bantu exposure and as a tool to assist management in making
Manajemen dalam mengambil keputusan strategis. strategic decisions.
• Melakukan pengembangan Business Continuity • Developing Business Continuity Management (BCM)
Management (BCM) melalui BCM Program guna through BCM Program to ensure the Bank's business
memastikan layanan aktivitas bisnis Bank dapat terus activity services can continue to run.
berjalan.
• Melakukan monitoring Mark to Market dan analisis • Conduct Mark to Market monitoring and sensitivity
sensitivitas Bonds Portfolio analysis of Bonds Portfolio
• Permodalan senantiasa dipastikan tersedia dalam • Capital is always ensured to be available at a sufficient
tingkat yang cukup dan memadai, baik dari segi minimum and adequate level, both in terms of the minimum that
yang wajib dipenuhi sesuai aturan otoritas perbankan must be met in accordance with banking authority
maupun dari segi kecukupan dalam mendukung regulations and in terms of adequacy in supporting
ekspansi bisnis dan usaha sesuai dengan RBB yang business expansion and business in accordance with
telah ditetapkan. the RBB that has been set.
• Melakukan pemantauan atas Risk Appetite dan • Monitor Risk Appetite and Tolerance on a regular
Tolerance secara rutin basis.
• Melakukan penerapan Strategi Anti Fraud, berdasarkan • Implementing the Anti Fraud Strategy, based on 4 pillars,
4 pilar yaitu pencegahan; deteksi; Investigasi, pelaporan namely prevention; detection; investigation, reporting
dan sanksi ; pemantauan, evaluasi dan tindak lanjut. and sanctions; monitoring, evaluation and follow-up.
Pembahasan mengenai Fungsi Manajemen Risiko secara lebih Further discussion on the Risk Management Function is
lanjut terdapat pada bagian Manajemen Risiko pada Laporan contained in the Risk Management section of this Annual
Tahunan ini. Report.
PENGENDALIAN INTERNAL INTERNAL CONTROL
Proses penerapan Manajemen Risiko yang efektif dilengkapi An effective Risk Management implementation process is
dengan sistem pengendalian internal yang andal. Pengendalian complemented by a reliable internal control system. Internal
internal merupakan suatu mekanisme pengawasan yang control is a supervisory mechanism established by management
ditetapkan oleh manajemen secara berkesinambungan dan on an ongoing and effective basis for the implementation of
efektif terhadap pelaksanaan kegiatan usaha dan operasional business and operational activities at all levels of the
pada seluruh jenjang organisasi. Penerapan sistem pengendalian organization. Effective implementation of the internal control
internal secara efektif dapat membantu pengurus Bank dalam system can help the Bank's management in terms of, among
hal antara lain : others:
1. Menjaga dan mengamankan Aset bank 1. Maintain and secure bank assets
2. Menjamin tersedianya pelaporan keuangan dan 2. Ensure the availability of reliable financial and
manajerial yang dapat dipercaya managerial reporting
3. Meningkatkan kepatuhan Bank terhadap ketentuan 3. Improve the Bank's compliance with prevailing rules
dan peraturan yang berlaku; and regulations;
4. Mengurangi Risiko terjadinya kerugian dan pelanggaran 4. Reducing the risk of loss and violation of aspects
aspek kehati-hatian
5. Mencegah dan mendeteksi setiap penyimpangan yang 5. Prevent and detect any irregularities that occur in a
terjadi secara tepat waktu dan sesuai dengan timely manner and in accordance with the delegation
pendelegasian wewenang dan pemisahan fungsi. of authority and separation of functions.
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Terselenggaranya sistem pengendalian intern Bank yang The implementation of a reliable and effective Bank internal
handal dan efektif menjadi tanggung jawab dari seluruh Risk control system is the responsibility of all Risk Taking Units,
Taking Unit, Divisi fungsi Audit Intern, dan Divisi / unit pendukung Internal Audit function Divisions, and other supporting Divisions/
lainnya. sistem pengendalian intern secara keseluruhan yang units. overall internal control system which includes:
meliputi:
1. Pelaksanaan sistem pengendalian intern secara efektif 1. Effective implementation of internal control system in
dalam penerapan Manajemen Risiko Bank dengan the implementation of the Bank's Risk Management
mengacu pada kebijakan dan prosedur yang telah by referring to the established policies and procedures.
ditetapkan. Penerapan prinsip pemisahan fungsi (four Implementation of the separation of functions principle
eyes principle) memadai dan dilaksanakan secara (four eyes principle) is adequate and consistently
konsisten. implemented.
2. Sistem pengendalian internal menyeluruh dalam 2. Comprehensive internal control system in the
penerapan Manajemen Risiko implementation of Risk Management
3. Pelaksanaan kaji ulang terhadap penerapan Manajemen 3. Review of the implementation of Risk Management
Risiko
4. Hasil penilaian kaji ulang oleh Divisi fungsi Manajemen 4. The results of the review assessment by the Risk
Risiko disampaikan kepada Dewan Komisaris, Divisi Management function Division are submitted to the
fungsi Audit Intern, Direktur yang membawahkan fungsi Board of Commissioners, Internal Audit function Division,
Manajemen Risiko dan Kepatuhan, Komite Audit (apabila Director in charge of Risk Management and Compliance
ada), dan Direksi terkait lainnya sebagai masukan function, Audit Committee (if any), and other relevant
dalam rangka penyempurnaan kerangka dan Proses Directors as input in order to improve the Risk
Manajemen Risiko. Management framework and Process.
5. Pemantauan oleh Divisi fungsi Audit Intern terhadap 5. Monitoring by the Internal Audit function Division on
perbaikan atas hasil temuan intern maupun ekstern. the improvement of internal and external findings.
Temuan audit yang belum ditindaklanjuti diinformasikan Audit findings that have not been followed up are
oleh Divisi fungsi Audit Intern kepada Direksi untuk informed by the Internal Audit Division to the Board
diambil langkah-langkah yang diperlukan. of Directors to take the necessary steps.
6. Tingkat responsif Bank terhadap kelemahan dan/atau 6. The Bank's level of responsiveness to weaknesses
penyimpangan yang terjadi terhadap ketentuan internal and/or deviations that occur against applicable internal
dan eksternal yang berlaku. and external regulations.
7. Efektivitas dan efisiensi kegiatan operasional, termasuk 7. Effectiveness and efficiency of operational activities,
diantaranya efektivitas budaya kepatuhan pada including the effectiveness of compliance culture in
organisasi Bank secara menyeluruh the Bank's organization as a whole.
EVALUASI PENGENDALIAN EVALUATION OF INTERNAL
INTERNAL DAN MANAJEMEN CONTROL AND RISK
RISIKO MANAGEMENT
Evaluasi terhadap manajemen risiko dan pengendalian internal The evaluation of the Bank's risk management and internal
Bank dilakukan oleh SKAI dan akan menyampaikan hasil control is conducted by SKAI and will submit the evaluation
evaluasi kepada Direktur Utama dan Dewan Komisaris. SKAI results to the President Director and the Board of Commissioners.
melakukan pemeriksaan secara independen dan obyektif SKAI conducts independent and objective examinations of
terhadap aktivitas di setiap unit kerja termasuk prosedur dan activities in each work unit including procedures and operational
kegiatan operasional secara berkala. activities on a regular basis.
Efektifitas penerapan manajemen risiko yang dilakukan oleh The effectiveness of the Bank's risk management implementation
bank telah dievaluasi secara berkala oleh Komite Pemantau has been evaluated periodically by the Risk Monitoring
Risiko berdasarkan laporan berkala yang disampaikan oleh Committee based on periodic reports submitted by the Risk
Satuan Kerja Manajemen Risiko. Selama tahun 2024, Direksi Management Unit. During the year 2024, the Board of Directors
menilai bahwa Manajemen risiko dan Pengendalian internal assessed that the Bank's risk management and internal control
Bank telah berjalan secara baik dan memadai. have been running well and adequately.
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Penyediaan Dana Kepada
Pihak Terkait dan Eksposur Besar
Provision of Funds to Related
Parties and Large Exposures [GRI 2-25]
Bank perlu membatasi konsentrasi pinjaman kepada individu, The Bank needs to limit the concentration of loans to certain
kelompok, atau sektor industri tertentu dan melakukan individuals, groups, or industry sectors and spread or diversify
penyebaran atau diversifikasi portofolio dalam rangka the portfolio in order to reduce concentration risk which can
mengurangi risiko konsentrasi yang dapat menjadi sumber be a source of business failure for the Bank. Provision of funds
kegagalam bisnis Bank. Penyediaan dana kepada pihak terkait to related parties and provision of large funds (large exposure)
dan penyediaan dana besar (large exposure) harus dilakukan must be carried out on reasonable terms, pay attention to
dengan persyaratan yang wajar, memperhatikan prinsip kehati the principle of prudence, and comply with applicable rules
hatian, serta mematuhi peraturan dan ketentuan yang berlaku and regulations as well as approval from the Board of
serta persetujuan dari Dewan Komisaris. Commissioners.
Dalam pengungkapan penyediaan dana kepada pihak terkait In disclosing the provision of funds to related parties 6 Corporate
6 Laporan Tata Kelola Perusahaan dan penyediaan dana Governance Report and the provision of large funds (large
besar (large exposure), Bank berpedoman pada Peraturan exposure), the Bank is guided by the Financial Services
Otoritas Jasa Keuangan Nomor 32 /POJK.03/2018 tentang Authority Regulation Number 32 /POJK.03/2018 concerning
Batas Maksimum Pemberian Kredit (BMPK) dan Penyediaan the Maximum Lending Limit (BMPK) and the Provision of Large
Dana Besar bagi Bank Umum dan Peraturan Otoritas Jasa Funds for Commercial Banks and Financial Services Authority
Keuangan Nomor 38 / POJK.03/2019 Tentang Perubahan Regulation Number 38 / POJK.03/2019 concerning Amendments
Atas Peraturan Otoritas Jasa Keuangan Nomor 32/POJK.03/2018 to Financial Services Authority Regulation Number 32/
Tentang BMPK dan Penyediaan Dana Besar bagi Bank Umum. POJK.03/2018 concerning BMPK and the Provision of Large
Penyediaan Dana kepada Pihak Terkait (Related Party) dan Funds for Commercial Banks. Provision of Funds to Related
kepada Debitur Inti Individu dan Grup (Large Exposure) untuk Parties and to Individual and Group Core Debtors (Large
tahun 2024 antara lain: Exposure) for 2024 include:
Jumlah
Eksposur Total
No
Exposure Debitur Jutaan Rp
Debtors Millions Rp
1 Pihak Terkait | Related Parties 3 117.119
2 Debitur inti | Core debtors
• Individu | Individuals 18 4.915.294
• Kelompok | Group 7 3.737.895
Transaksi Yang Mengandung
Benturan Kepentingan
Transactions That Contain Conflicts Of Interest
Benturan kepentingan adalah situasi dimana setiap pegawai Conflict of interest is a situation where each employee in
dalam menjalankan tugas dan kewajibannya dapat menimbulkan carrying out their duties and obligations may conflict between
konflik antara kepentingan Perusahaan dengan kepentingan the interests of the Company and the interests of individuals,
perorangan, anggota Dewan Komisaris, Direksi, maupun members of the Board of Commissioners, Directors, and
pegawai. Sepanjang tahun 2024, tidak terdapat transaksi employees. Throughout 2024, there were no Bank transactions
Bank yang memenuhi kategori transaksi yang mengandung that met the category of transactions containing conflicts of
benturan kepentingan. interest.
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Penyimpangan Internal
Internal Deviations
Penyimpangan internal merupakan tindakan penyimpangan Internal irregularities are irregularities committed by Bank
yang dilakukan oleh pegawai Bank, baik manajemen, pegawai employees, both management, permanent employees, and
tetap, dan pegawai tidak tetap terkait dengan proses kerja non-permanent employees related to the work process and
dan kegiatan operasional Bank yang mempengaruhi kondisi operational activities of the Bank that significantly affect the
keuangan Bank secara signifikan yaitu apabila dampak Bank's financial condition, namely if the impact of irregularities
penyimpangan sebesar atau lebih dari Rp. 100 juta. Pada is equal to or more than Rp. 100 million. During the period
periode Januari sampai dengan Desember 2024, terdapat January to December 2024, there were insignificant internal
penyimpangan internal yang tidak signifikan dalam aktivitas deviations in the Bank's operational activities.
operasional Bank.
Jumlah kasus yang dilakukan
Penyimpangan dalam 1 tahun Number of cases
Deviation in 1 year Manajemen Pegawai Tetap Pegawai Tidak Tetap
Management Permanent Employees Non-permanent Employees
Tahun 2024 2024 2024
Total Fraud 0 1 0
Total Fraud
Telah diselesaikan 0 1 0
Completed
Dalam proses penyelesaian internal 0 0 0
In the internal resolution process
Belum diupayakan penyelesaiannya 0 0 0
Not yet pursued for resolution
Dalam proses hukum 0 0 0
In legal proceedings
Pemberian Dana untuk Kegiatan Sosial dan Politik
Provision of Funds for Social and Political Activities [GRI 415-1]
Selama tahun 2024 PT Bank Maspion Indonesia Tbk tidak During 2024 PT Bank Maspion Indonesia Tbk has never been
pernah terlibat maupun memberikan sumbangan dana untuk involved or contributed funds for political activities.
kegiatan politik.
Kode Etik
Code of Ethics
Kode Etik Bank merupakan pedoman dasar bagi seluruh The Bank's Code of Ethics is a basic guideline for all Bank
karyawan Bank dalam berperilaku baik dan profesional dalam employees in behaving properly and professionally in carrying
menjalankan tugas dan kegiatan sehari-hari serta dalam out their daily duties and activities as well as in conducting
melakukan hubungan bisnis sesuai dengan prinsip-prinsip business relationships in accordance with the principles of
moral dan integritas dengan memperhatikan berbagai ketentuan morality and integrity with due regard to various internal Bank
internal Bank. Kode Etik juga sebagai acuan bagi Manajemen regulations. The Code of Ethics is also a reference for
untuk mengoptimalkan penerapan tata kelola yang baik. Management to optimize the implementation of good governance.
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Kode etik dibentuk dengan prinsip-prinsip dasar mengacu The code of ethics is established with basic principles referring
kepada: to:
1. Visi dan Misi Bank 1. Vision and Mission of the Bank
2. Nilai-nilai budaya Bank yaitu Service Excellence (Layanan 2. The Bank's cultural values are Service Excellence,
Prima), Kedisiplinan, Komunikasi, Kerjasama dan Discipline, Communication, Cooperation and
Kebersamaan serta Dedikasi dan Loyalitas. Togetherness as well as Dedication and Loyalty.
3. Prinsip-prinsip moral yaitu nilai-nilai mengenai hal-hal 3. Moral principles are values about what is considered
yang dianggap baik dan tidak baik serta hal-hal yang good and not good and what is considered right and
dianggap benar dan tidak benar. not right.
Dengan memahami Kode Etik diharapkan karyawan Bank By understanding the Code of Ethics, it is expected that the
senantiasa dapat bersikap hati-hati dan cermat pada saat Bank's employees can always be careful and careful when
menghadapi hal-hal yang berpotensi menimbulkan risiko dealing with matters that have the potential to cause the risk
kerugian perusahaan baik risiko yang bersifat materiil maupun of loss to the company, both material and non-material risks.
non-materiil. Kode Etik Bank berlaku bagi seluruh jenjang The Bank's Code of Ethics applies to all levels of the organization,
organisasi, meliputi anggota Direksi, anggota Dewan Komisaris, including members of the Board of Directors, members of the
dan seluruh karyawan Bank. Board of Commissioners, and all employees of the Bank.
POKOK-POKOK KODE ETIK POINTS OF THE CODE OF ETHICS
Pokok-pokok kode etik mencakup sejumlah hal, antara lain: The principles of the code of ethics cover a number of things,
including:
1. Kepatuhan 1. Complianc
Setiap karyawan wajib mematuhi peraturan internal Every employee must comply with the Bank's internal
Bank, Lembaga otoritas, dan peraturan perundang - regulations, Institutional authorities, and other applicable
undangan lain yang berlaku. laws and regulations.
2. Etika 2. Ethics
Setiap karyawan wajib memiliki standar etika yang Every employee must have high ethical standards and
tinggi dan menjunjung tinggi reputiasi Bank dalam uphold the Bank's reputation in carrying out business
menjalankan aktivitas bisnis. Oleh karena itu pegawai activities. Therefore, employees are prohibited from
dilarang berusaha mencapai target kinerja dengan trying to achieve performance targets by ignoring and/
mengabaikan dan/atau melanggar kode etik, peraturan or violating the code of ethics, internal regulations,
internal, peraturan otoritas, serta peraturan perundag authority regulations, and laws and regulations.
undangan yang berlaku
3. Pertentangan 3. Controvers
Kepentingan Seluruh pegawai wajib menghindari All employees must avoid situations of conflict between
situasi pertentangan antara kepentingan pribadi pegawai the personal interests of employees and the interests
dengan kepentingan Perusahaan. Pertentangan of the Company. Conflict of interest is a condition or
kepentingan/benturan kepentingan adalah suatu situation in which an employee cannot act objectively
kondisi atau situasi yang menempatkan pegawai tidak and professionally due to the influence of personal
dapat bertindak obyektif dan profesional karena adanya interests, which has the potential to place the employee's
pengaruh kepentingan pribadi, yang berpotensi untuk personal interests above the interests of the company
menempatkan kepentingan pribadi pegawai diatas or customers.
kepentingan perusahaan atau nasabah.
4. Hubungan Pegawai dengan 4. Employee Relationship
Pihak Lain Pegawai wajib menghindari segala bentuk Other Parties Employees must avoid all forms of
kerja sama antara Pegawai dengan pihak lain yang cooperation between employees and other parties
didasarkan pada hubunga keluarga dan / atau based on family relationships and / or friendships that
pertemanan yang dapat membuka peluang pada can open opportunities for fraud and fraud, and can
kecurangan dan penipuan, serta dapat mengakibatkan result in losses to the Bank.
kerugian pada Bank.
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Laporan Tata Kelola Perusahaan
Good Corporate Governance Report
5. Hubungan Antar Pegawai 5. Relations
Hubungan antar karyawan harus dilandasi sikap saling Relationships between employees must be based on
percaya, menghargai dan menghormati serta hubungan mutual trust, respect and honor as well as harmonious
yang harmonis berdasarkan kode etik Bank relationships based on the code of ethics.
6. Hubungan Dengan Pemangku Kepentingan 6. Relationship with Stakeholders [GRI 2-29] [OJK E.4]
(Stakeholders) [GRI 2-29] [OJK E.4]
Semua komunikasi dan aktivitas yang ditujukan kepada All communications and activities aimed at stakeholders
pemangku kepentingan harus dilaksanakan dengan must be carried out with the utmost care so as not to
sangat hati-hati sehingga tidak melanggar peraturan violate established regulations.
yang telah ditetapkan.
7. Penanganan Informasi 7. Handling
Seluruh informasi milik Perusahaan berstatus proprietary All information belonging to the Company has a
right (hak kepemilikan perusahaan yang tidak bisa proprietary right status (company ownership rights
dimiliki pihak lain tanpa izin). Setiap karyawan that cannot be owned by other parties without
bertanggung jawab menjaga kerahasiaan informasi permission). Each employee is responsible for
sesuai ketentuan yang berlaku. maintaining the confidentiality of information in
accordance with applicable regulations.
8. Perlindungan dan Penggunaan Fasilitas 8. Protection and Use of
Perusahaan Bank menyediakan peralatan dan fasilitas The Bank Company provides adequate work equipment
kerja yang memadai bagi Pegawai, agar Pegawai dapat and facilities for employees, so that employees can
melaksanakan tugas secara efektif dan efisien. carry out their duties effectively and efficiently. The
Penggunaan peralatan dan fasilitas Bank adalah untuk use of the Bank's equipment and facilities is for the
pelaksanaan pekerjaan dan untuk kepentingan Bank, execution of work and for the benefit of the Bank, and
serta wajib mengikuti prosedur yang berlaku. must follow applicable procedures.
9. Tata Cara Penanganan Nasabah 9. Handling Procedure
Memberikan pelayanan terbaik merupakan komitmen Providing the best service is Bank Maspion's commitment
Bank Maspion kepada Nasabah tanpa dipengaruhi to customers without being influenced by the amount
oleh jumlah dana maupun pinjaman Nasabah, suku of funds or customer loans, ethnicity, religion, skin
bangsa, agama, warna kulit, jenis kelamin, dan usia. color, gender, and age. Employees must serve each
Pegawai wajib melayani setiap nasabah secara customer professionally with a polite, friendly and
profesional dengan sikap sopan, ramah dan wajar. reasonable attitude.
10. Penyampaian Aspirasi 10. Submission
Bank berkomitmen menjaga kerahasiaan pegawai dan The Bank is committed to maintaining the confidentiality
informasinya, serta memberikan perlindungan kepada of employees and their information, as well as providing
pegawai yang mengungkapkan permasalahan yang protection to employees who disclose issues related
berkaitan dengan perilaku yang tidak baik dan/atau to bad behavior and/or fraud through the Whistleblowing
kejadiaan fraud melalui Whistleblowing system. system.
LINGKUP PENERAPAN, SCOPE OF IMPLEMENTATION,
SOSIALISASI DAN UPAYA SOCIALIZATION AND
PENEGAKAN KODE ETIK ENFORCEMENT OF THE CODE OF
ETHICS
Implementasi kode etik merupakan tanggung jawab bersama Implementation of the code of ethics is a shared responsibility
bagi seluruh anggota Direksi, Dewan Komisaris, termasuk for all members of the Board of Directors, Board of
seluruh pegawai Bank. Setiap pejabat Bank wajib melakukan Commissioners, including all Bank employees. Each Bank
sosialisasi Kode etik Bank kepada pegawai di unit kerjanya. official is required to socialize the Bank's Code of Ethics to
Penyimpangan, penyalahgunaan, kelalaian dan/atau employees in his/her work unit. Deviation, abuse, negligence
pelanggaran Kode Etik dapat dikenakan sanksi baik secara and/or violation of the Code of Ethics may be subject to civil
perdata maupun pidana sesuai dengan prosedur dan ketentuan and criminal sanctions in accordance with applicable procedures
yang berlaku. and provisions.
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Budaya Perusahaan
Company Culture
Informasi lengkap mengenai budaya perusahaan dapat dilihat Complete information about the company's culture can be
pada bagian Profil Perusahaan. seen in the Company Profile section.
Program Kepemilikan Saham Oleh Karyawan
Employee Share Ownership Program
Hingga akhir tahun 2024, Bank Maspion tidak memiliki program As of the end of 2024, Bank Maspion has no employee (ESOP)
kepemilikan saham oleh karyawan (ESOP) dan/ atau manajemen and/or management (MSOP) share ownership programs.
(MSOP). Oleh karena itu, tidak terdapat informasi yang dapat Therefore, there is no information that can be presented in
disajikan dalam Laporan Tahunan ini. this Annual Report.
Informasi Lain Yang Terkait GCG
Other GCG Related Information
Selama tahun 2024, tidak ada intervensi pemilik pada komposisi During 2024, there was no owner intervention in the composition
dan pelaksanaan tugas Dewan Komisaris dan Direksi. Seluruh and duties of the Board of Commissioners and Board of
informasi yang berkaitan dengan implementasi Tata Kelola Directors. All information relating to the implementation of
Perusahaan sudah diungkap dalam Laporan Tata Kelola Corporate Governance has been disclosed in the Corporate
Perusahaan sehingga tidak ada hal lain yang perlu diungkapkan Governance Report so there is nothing else that needs to be
kembali. disclosed.
Whistleblowing
Whistleblowing [GRI 2-26]
Whistleblowing adalah pengungkapan tindakan pelanggaran Whistleblowing is the disclosure of violations or disclosure of
atau pengungkapan perbuatan melawan hukum, perbuatan unlawful acts, unethical / immoral acts or other acts that can
tidak etis/tidak bermoral atau perbuatan lain yang dapat The Bank, as well as parties who have an interest in the Bank
merugikan Bank, maupun pihak yang mempunyai kepentingan (stakeholders), committed by employees, or organizational
terhadap Bank (stakeholders), yang dilakukan oleh karyawan, leaders; so that action can be taken for violations . The Bank
atau pimpinan organisasi; sehingga dapat diambil tindakan is committed to implementing Good Corporate Governance
atas pelanggaran tersebut. Bank berkomitmen menjalankan with integrity and transparency in maintaining stakeholder
Tata Kelola Perusahaan yang baik (Good Corporate Governance) trust and providing the best service to customers. In carrying
secara berintegritas dan transparan dalam menjaga kepercayaan out this commitment, the Bank provides a means to report
stakeholder dan memberikan pelayanan terbaik kepada indications of violations that occur within the Bank through
nasabah. Dalam menjalankan komitmen tersebut, Bank the Whistleblowing tool. The Bank will follow up on reports
menyediakan sarana untuk melaporkan terjadinya indikasi of indications of violations that meet the criteria for
pelanggaran yang terjadi di lingkungan Bank melaui sarana whistleblowing reports.
Whistleblowing. Bank akan menindaklanjuti laporan indikasi
pelanggaran yang memenuhi kriteria laporan whistleblowing.
Setiap jenis indikasi atau pelanggaran dapat dilaporkan, jadi Any type of indication or violation can be reported, so there
sudah tidak perlu disebutkan Aspek-aspek yang perlu is no need to mention it. Aspects to consider in whistleblowing
diperhatikan dalam whistleblowing :
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Laporan Tata Kelola Perusahaan
Good Corporate Governance Report
1. Prinsip Sistem Pelaporan Pelanggaran 1. Principles of Whistleblowing System
Bank berkomitmen untuk menerapkan prinsip Rahasia, The Bank is committed to implementing the principles
Umum, Bertanggung Jawab dan Independen of Confidential, Public, Responsible and Independent.
2. Kerahasiaan 2. Confidentiality
Kerahasiaan identitas Pelapor maupun kasus yang The confidentiality of the Whistleblower's identity and
dilaporkan perlu dijaga dengan sebaik-baiknya. the reported case needs to be maintained as well as
possible.
3. Perlindungan Terhadap Pelapor 3. Whistleblower Protection
Fasilitas dan perlindungan yang bisa diberikan kepada Facilities and protection that can be provided to
Pelapor Whistleblowers
4. Penghargaan dan Insentif Bagi Pelapor 4. Rewards and Incentives for Whistleblowers
Bank dapat memberikan penghargaan dan insentif The Bank may provide rewards and incentives for
bagi Pelapor yang nilainya dapat ditentukan berdasarkan Whistleblowers whose value can be determined based
kerugian yang dapat dihindari. on avoidable losses.
5. Sosialisasi Whistleblowing 5. Whistleblowing Socialization
Sosialisasikan ke seluruh Karyawan Bank dan pihak Socialize to all Bank employees and external parties
eksternal Bank dimaksudkan untuk mempergunakan of the Bank intended to use whsitleblowing tools in
sarana whsitleblowing dalam hal pelaporan pelanggaran terms of reporting violations.
PENYAMPAIAN LAPORAN REPORT SUBMISSION
Melalui penyampaian pelaporan whsitleblowing, setiap individu Through the submission of whsitleblowing reporting, every
dalam lingkungan Bank diberikan kesempatan untuk individual within the Bank is given the opportunity to submit
menyampaikan informasi terkait dugaan tindakan yang tidak information related to alleged actions that are not in accordance
sesuai dengan peraturan yang berlaku secara aman, rahasia, with applicable regulations safely, confidentially, and without
dan tanpa risiko pembalasan. risk of retaliation.
1. Media Pelaporan 1. Reporting Media
Pelaporan dapat dilakukan dengan menggunakan Reporting can be done using the following media:
media sebagai berikut:
a. Surat elektronik/email a. Electronic mail/email
Email yang digunakan adalah email khusus untuk The email used is a special email to maintain
menjaga kerahasiaan, email tersebut hanya dapat confidentiality, the email can only be accessed /
diakses/diterima oleh PIC whistleblowing, dengan received by the whistleblowing PIC, with the address:
alamat: whistleblowing@bankmaspion.co.id whistleblowing@bankmaspion.co.id
b. Surat tertulis b. Written letter
Dapat juga berupa surat tertulis dengan amplop It can also be a written letter with a sealed envelope,
tertutup, yang ditujukan kepada: addressed to:
PIC Whistleblowing / Direktur Utama / Kepala Divisi Whistleblowing PIC / President Director / Head of
Internal Audit Internal Audit Division
Pakuwon Tower, Tunjungan Plaza 6 Lt.33. Pakuwon Tower, Tunjungan Plaza 6 Lt.33.
Jl. Embong Malang N0.21-31.Kecamatan Kedungdoro, Jl. Embong Malang N0.21-31.Kedungdoro sub-
Tegalsari, Surabaya. district, Tegalsari, Surabaya.
c. Lainnya c. More
Setiap Pegawai yang telah menerima informasi Every employee who has received information
baik dari dalam maupun luar Bank harus either from inside or outside the Bank must submit
menyerahkan salinan informasi tersebut dan a copy of the information and related documents
dokumen terkait kepada Divisi Audit Internal setelah to the Internal Audit Division after receiving the
menerima informasi tersebut. information.
2. Informasi laporan 2. Report information
Untuk mempermudah dan mempercepat proses tindak To facilitate and accelerate the follow-up process,
lanjut, pelaporan disertai informasi sekurang-kurangnya: reporting is accompanied by information at least: Identity
Identitas pelapor (diperbolehkan menggunakan anonim); of the reporter (anonymous is allowed); Description of
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Uraian pelanggaran yang dilakukan; Terlapor serta the violation committed; Reported party and other
pihak lain yang terlibat (bila ada) dan unitnya; Unit Kerja parties involved (if any) and their units; Work Unit where
tempat kejadian dan waktu kejadian; Dokumen the incident occurred and the time of the incident;
pendukung dan bukti lainnya (bila ada) Supporting documents and other evidence (if any).
PENANGANAN PENYELESAIAN HANDLING OF REPORT
LAPORAN SETTLEMENT
Penanganan Investigasi dan penyelesaian laporan whistleblowing Investigation and settlement of whistleblowing reports are
dilakukan seperti kasus fraud dan pelanggaran lainnya carried out like fraud cases and other violations based on
berpedoman pada Kebijakan Strategi Anti Fraud. the Anti-Fraud Strategy Policy.
1. Investigasi 1. Investigation
Laporan whsitleblowing yang telah dilakukan asessment Whsitleblowing reports that have been assessed will be
akan disampaikan kepada Direksi dan Anggota Direksi submitted to the Board of Directors and Members of the
dapat melalui email maupun meeting serta proses Board of Directors via email or meeting and the approval
persetujuan dilanjukan investigasi melalui media email process is followed by an investigation via email media
maupun minute of meeting. Investigasi oleh unit kerja and minutes of meeting. Investigation by an independent
yang independen yaitu Satuan Kerja Internal Audit. work unit, namely the Internal Audit Unit.
2. Pelaporan 2. Reporting
Laporan administrasi akan dicatat oleh whsitleblowing Administrative reports will be recorded by the
officer, berdasarkan informasi yang diberikan dari PIC whsitleblowing officer, based on information provided
WB. Untuk laporan whistleblowing yang berdampak from the whsitleblowing PIC. For whistleblowing reports
signifikan akan segera dilaporkan kepada Regulator that have a significant impact will be immediately reported
dengan persetujuan PIC WB. Laporan kepada Regulator to the Regulator with the approval of the WB PIC. Reports
akan dikirimkan melaui Unit Anti Fraud. to the Regulator will be sent through the Anti Fraud Unit.
3. Sanksi 3. Sanctions
Bank memberikan sanksi yang tegas kepada karyawan The Bank provides strict sanctions to employees who
yang bersalah melalui mekanisme pemberian sanksi are guilty through a sanctioning mechanism in
sesuai dengan ketentuan yang berlaku dan sesuai accordance with applicable regulations and according
dengan tingkat pelanggaran yang terjadi. Sanksi ini to the level of violation that occurred. These sanctions
dapat berupa teguran, pemutusan hubungan kerja, can be in the form of reprimands, termination of
denda, hingga tindakan hukum lebih lanjut jika employment, fines, and further legal action if the
pelanggaran tersebut menyangkut aspek pidana. violation involves criminal aspects.
4. Penyelesaian Secara Hukum 4. Legal Settlement
Penyelesaian secara hukum atas laporan Whistleblowing Legal resolution of Whistleblowing reports is an option
menjadi opsi ketika temuan dari investigasi menunjukkan when the findings of the investigation indicate a violation
adanya pelanggaran yang melibatkan tindak pidana. involving a criminal offense. Bank will cooperate with
Bank akan bekerja sama dengan aparat penegak law enforcement officials to ensure that such violations
hukum untuk memastikan bahwa pelanggaran tersebut are handled in accordance with applicable laws and
ditangani sesuai dengan ketentuan perundang- regulations.
undangan yang berlaku
HASIL PENANGANAN PENGADUAN RESULT OF COMPLAINT
[GRI 2-30] HANDLING
Selama Tahun 2024 belum terdapat laporan whistleblowing During 2024, there were no whistleblowing reports submitted
yang masuk kedalam PIC WB. Bank telah memiliki Standard to PIC WB. The Bank has a Whistleblowing Standard Operating
Operasional Prosedur (SOP) Whistleblowing dengan No. PD- Procedure (SOP) with No. PD-60/SOP/1224 which regulates
60/SOP/1224 yang mengatur dan menjelaskan mengenai and explains the provisions related to whistleblowing, including
ketentuan terkait whistleblowing antara lain organisasi dan organization and authority, submission of reports, handling
kewenangan, penyampaian pelaporan, penanganan dan and settlement of reports and including the format of recording
penyelesaian laporan serta termasuk format pencatatan whistleblowing.
whistleblowing.
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Laporan Tata Kelola Perusahaan
Good Corporate Governance Report
Kebijakan Anti Korupsi
Kebijakan Anti Korupsi [GRI 205-2, 205-3]
Perseroan melaksanakan usahanya dengan berlandaskan The Company conducts its business based on the principles
pada prinsip-prinsip tata kelola yang baik. Oleh karena itu, of good governance. Therefore, the Company firmly establishes
Perseroan dengan tegas menetapkan zero tolerance terhadap zero tolerance for all forms of corruption, kickbacks, bribes
segala bentuk praktik korupsi, balas jasa, suap dan/atau and/or gratuities. The Company's commitment to this is outlined
gratifikasi. Komitmen Perseroan akan hal ini dituangkan dalam in the SOP Anti Bribery and Gratification Control which has
SOP Anti Penyuapan dan Pengendalian Gratifikasi yang telah been approved by the Compliance and Legal Director through
disahkan oleh Direktur Kepatuhan dan Legal melalui ketetapan the provision of PD-54/SOP/1224 dated December 18, 2024.
PD-54/SOP/1224 tertanggal 18 Desember 2024. Adapun tujuan The objectives of Anti-Bribery and Gratification Control
Pembentukan peraturan Anti Penyuapan dan Pengendalian regulations are as follows:
Gratifikasi sebagai berikut:
1. Mewujudkan budaya anti korupsi dan value integrity 1. Realizing an anti-corruption culture and value integrity
di lingkungan Bank melalui pengendalian penyuapan within the Bank through bribery and gratification
dan gratifikasi; control;
2. Memberikan panduan dalam menangani atau 2. Provide guidance in handling or controlling all forms
mengendalikan segala bentuk penyuapan dan gratifikasi of bribery and gratuities in the Bank and so that all
di Bank serta agar seluruh insan Bank dapat memiliki Bank personnel can have the same understanding of
pemahaman yang sama terhadap pelaksanaan anti the implementation of anti-bribery and gratification
penyuapan dan pengendalian gratifikasi; control;
3. Mengendalikan praktik penyuapan dan gratifikasi yang 3. Controlling bribery and gratification practices in line
selaras dengan kode etik Bank; with the Bank's code of ethics;
4. Mendukung terciptanya praktik Good Corporate 4. Supporting the creation of Good Corporate Governance
Governance (GCG) dan mewujudkan value integrity (GCG) practices and realizing the value integrity of the
insan Bank untuk tidak menerima dan/atau memberikan Bank's people to not accept and/or give gratuities
gratifikasi yang berhubungan dengan jabatannya dan related to their position and contrary to their obligations
berlawanan dengan kewajiban atau tugasnya. or duties.
Peraturan Anti Penyuapan dan Pengendalian Gratifikasi ini This Anti-Bribery and Gratification Control Regulation is binding
bersifat mengikat bagi seluruh karyawan, termasuk Dewan for all employees, including the Board of Commissioners and
Komisaris dan Direksi serta bagi pihak ketiga seperti konsultan, Directors as well as for third parties such as consultants,
advisor, outsource, vendor, atau pihak lain yang bekerja untuk/ advisors, outsourcers, vendors, or other parties working for/
atas nama Bank. Selaras dengan itu, seluruh karyawan Bank on behalf of the Bank. In line with that, all employees of the
juga diwajibkan untuk melaporkan penerimaan gratifikasi yang Bank are also required to report the receipt of gratuities that
telah diklasifikasikan pada ketentuan Peraturan Anti Penyuapan have been classified in the provisions of the Anti-Bribery and
dan Pengendalian Gratifikasi. Gratification Control Regulations.
Dengan adanya kebijakan tertulis ini, Perseroan secara konkret With this written policy, the Company concretely realizes the
mewujudkan hadirnya lingkungan kerja yang bersih dan presence of a work environment that is clean and free from
terbebas dari segala bentuk korupsi, kolusi dan nepotisme all forms of corruption, collusion and nepotism (KKN). The
(KKN). Perseroan akan terus menjaga komitmennya dalam Company will continue to maintain its commitment in supporting
mendukung serta mendorong pengelolaan bisnis dan and encouraging business and operational management to
operasional agar dapat berjalan secara akuntabel dan run in an accountable and transparent manner.
transparan.
Untuk pelatihan Anti Penyuapan dan Pengendalian Gratifikasi Anti-bribery and Gratification Control training was only
baru dilaksanakan pada awal tahun 2025 sebagai langkah implemented in early 2025 as a proactive step in strengthening
proaktif dalam memperkuat kepatuhan terhadap prinsip compliance with the principles of transparency and integrity
transparansi dan integritas untuk seluruh karyawan Bank. for all Bank employees.
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Rencana Strategis
Strategic Plan
Rencana strategis Bank disusun dalam bentuk RBB sesuai The Bank's strategic plan is prepared in the form of a RBB in
dengan visi dan misi Bank. Penyusunan RBB disusun secara accordance with the Bank's vision and mission. The preparation
realistis, memperhatikan prinsip kehati – hatian, kecukupan of the RBB is prepared realistically, taking into account the
permodalan Bank dengan memperhatikan faktor eksternal principles of prudence, the adequacy of the Bank's capital
dan internal serta mengacu pada Peraturan Otoritas Jasa by taking into account external and internal factors and refers
Keuangan Nomor 5/POJK.03/2016 tentang RBB Umum dan to the Financial Services Authority Regulation Number 5/
Surat Edaran Otoritas Jasa Keuangan Nomor 12/SEOJK.03/2021 POJK.03/2016 concerning Commercial RBB and Circular
tentang RBB Umum. Selama tahun 2024, Direksi beserta Letter of the Financial Services Authority Number 12/
Dewan Komisaris senantiasa melakukan evaluasi terhadap SEOJK.03/2021 concerning Commercial RBB. During 2024,
strategi bisnis dengan memperhatikan dinamika industri the Board of Directors and the Board of Commissioners
perbankan. constantly evaluated the business strategy by taking into
account the dynamics of the banking industry.
Dewan Komisaris telah menyetujui RBB tahun 2024 dan The Board of Commissioners has approved the RBB for 2024
dikomunikasikan kepada seluruh jajaran organisasi Bank. and communicated it to all levels of the Bank's organization.
Direksi menyampaikan laporan Realisasi Rencana Bisnis secara The Board of Directors submits the Business Plan Realization
triwulanan dan Dewan Komisaris menyampaikan laporan report on a quarterly basis and the Board of Commissioners
Pengawasan Pencapaian Rencana Bisnis melalui Laporan submits the Business Plan Achievement Monitoring report
Pengawasan Dewan Komisaris secara semesteran kepada through the Board of Commissioners Monitoring Report on a
Otoritas Jasa Keuangan. semi-annual basis to the Financial Services Authority.
Perkara Penting yang Dihadapi
Important Matters Faced
Terdapat 5 (lima) perkara penting yang dihadapi oleh Bank There was 5 (five) important case faced by the Bank in 2024
pada tahun 2024 dan masih dalam proses penyelesaian. Perkara and is still in the process of being resolved. The legal case
hukum yang dihadapi bank tersebut secara material tidak faced by the bank did not materially affect the financial
mempengaruhi kondisi keuangan dan kelangsungan usaha condition and business continuity of the Bank. Throughout
Bank. Sepanjang tahun 2024, tidak terdapat perkara/gugatan 2024, there were no cases/defenses filed against members
yang ditujukan kepada anggota Dewan Komisaris dan Direksi. of the Board of Commissioners and Board of Directors.
Jumlah perkara penting yang dihadapi Bank pada tahun 2024 The number of significant cases facing the Bank in 2024 is
diuraikan dalam tabel berikut; outlined in the following table;
Jumlah
Keterangan Total
Description Perdata Pidana
Civil Criminal
Telah selesai (mempunyai kekuatan hukum) 4 -
Has been completed (has legal force)
Dalam proses penyelesaian 1 -
In the settlement process
Jumlah | Total 5 -
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Laporan Tata Kelola Perusahaan
Good Corporate Governance Report
Transparansi Kondisi Keuangan
dan Non Keuangan Bank
Transparency of The Bank's Financial
and Non-Financial Condition
Kewajiban untuk memberikan informasi secara transparan The obligation to provide transparent information about the
mengenai kondisi keuangan dan non keuangan Bank kepada Bank's financial and non-financial conditions to stakeholders
stakeholder dan Otoritas Jasa Keuangan telah ditaati oleh and the Financial Services Authority has been adhered to by
Bank Maspion sebagai perusahaan terbuka. Bank telah Bank Maspion as a public company. The Bank has prepared
menyusun dan menyajikan seluruh laporan keuangan dan and presented all financial and non-financial reports in a
non keuangan dengan tepat waktu, jelas, dan akurat melalui timely, clear and accurate manner through printed media and
media cetak maupun situs website Bank sesuai dengan the Bank's website in accordance with OJK regulations.
ketentuan OJK. Informasi kondisi keuangan dan non keuangan Information on financial and non-financial conditions is
diuraikan secara transparan sebagai berikut: described transparently as follows:
Transparansi kondisi keuangan: Transparency of financial condition:
1. Laporan Tahunan 1. Annual Report
• Bank menyampaikan Laporan Tahunan beserta • The Bank submits the Annual Report along with
Laporan Keuangan Tahunan yang sudah di audit the Annual Financial Statements that have been
oleh Kantor Akuntan Publik kepada Otoritas Jasa audited by the Public Accounting Firm to the
Keuangan, stakeholder, dan para pemangku Financial Services Authority, stakeholders, and
kepentingan lainnya. other stakeholders.
• Laporan tahunan yang dibuat dan dilaporkan setiap • The annual report is prepared and reported annually
tahunnya lalu dipublikasikan pada website Bank. and published on the Bank's website.
• Pernyataan tanggung jawab dewan komisaris dan • Statement of responsibility of the board of
direksi atas kebenaran isi laporan tahunan yang commissioners and directors for the accuracy of
dituangkan dalam lembar pernyataan yang the contents of the annual report as stated in the
ditandatangani oleh seluruh anggota Dewan statement sheet signed by all members of the
Komisaris dan Direksi board of commissioners and directors.
2. Laporan Keuangan Publikasi Bulanan dan Triwulanan 2. Monthly and Quarterly Publication of Financial
Statements
• Bank menyampaikan Laporan Keuangan Publikasi • The Bank submits its Financial Statements to the
kepada Otoritas Jasa Keuangan dan dipublikasikan Financial Services Authority and publishes them
pada website Bank. on the Bank's website.
Transparansi kondisi non-keuangan: Transparency of non-financial
conditions:
1. Bank memberikan update informasi mengenai produk 1. The Bank provides information updates on the Bank's
dan layanan Bank melalui media seperti website, products and services through media such as websites,
brosur/leaflet, contact center Bank, dan media lainnya brochures/leaflets, the Bank's contact center, and
sesuai dengan ketentuan regulator. other media in accordance with regulatory requirements.
2. Memberikan informasi umum yang meliputi Struktur 2. Provides general information which includes
Organisasi, Visi Misi, Informasi Perusahaan dan Organizational Structure, Vision and Mission, Company
Pemegang Saham, Pedoman dan Tata Tertib Kerja, and Shareholder Information, Code of Conduct,
Susunan Dewan Komisaris dan Direksi, Susunan Anggota Composition of the Board of Commissioners and
Komite. Directors, Composition of Committee Members.
3. Menyediakan informasi layanan pengaduan nasabah 3. Provide information on customer complaint services
sesuai Peraturan Otoritas Jasa Keuangan tentang in accordance with the Financial Services Authority
Perlindungan Konsumen dan layanan pengaduan Regulation on Consumer Protection and consumer
konsumen di sektor jasa keuangan. complaint services in the financial services sector.
4. Menyampaikan pelaporan terkait keterbukaan informasi 4. Submitting reports related to information disclosure
kepada masyarakat melalui website Bank yaitu www. to the public through the Bank's website, www.
bankmaspion.co.id, website Bursa Efek Indonesia yaitu bankmaspion.co.id, the Indonesia Stock Exchange
www.idx.co.id, dan website OJK. website, www.idx.co.id, and the OJK website.
PT Bank Maspion Indonesia Tbk
292 Laporan Tahunan Terintegrasi 2024
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Penerapan Atas Pedoman
Tata Kelola Perusahaan Terbuka
Implementation of Public Company
Governance Guidelines
Sebagai perusahaan terbuka, bank telah menerapkan praktik As a public company, the bank has implemented public
tata kelola perusahaan terbuka sebagaimana yang diatur company governance practices as stipulated in the Financial
dalam Peraturan Otoritas Jasa Keuangan Nomor 21/ Services Authority Regulation Number 21/POJK.04/2015 on
POJK.04/2015 tentang Penerapan Pedoman Tata Kelola the Implementation of Public Company Governance Guidelines
Perusahaan Terbuka dan Surat Edaran Otoritas Jasa Keuangan and Circular Letter of the Financial Services Authority Number
Nomor 32/SEOJK.04/2015 tentang Pedoman Tata Kelola 32/SEOJK.04/2015 on Public Company Governance Guidelines.
Perusahaan Terbuka. Pedoman Tata Kelola Perusahaan The Guidelines on Corporate Governance of Public Listed
Terbuka, mencakup 5 (lima) aspek, 8 (delapan) prinsip dan Companies, covers 5 (five) aspects, 8 (eight) principles and
25 (dua puluh lima) rekomendasi penerapan aspek dan prinsip 25 (twenty-five) recommendations on the implementation of
tata kelola perusahaan yang baik guna mendorong penerapan aspects and principles of good corporate governance in order
praktik tata kelola sesuai dengan praktik internasional yang to encourage the implementation of governance practices in
patut diteladani. Rincian informasi mengenai penerapan accordance with exemplary international practices. Details
rekomendasi dalam pedoman tata kelola adalah sebagai of information regarding the implementation of recommendations
berikut: in the governance guidelines are as follows:
HUBUNGAN PERUSAHAAN TERBUKA DENGAN PEMEGANG SAHAM DALAM MENJAMIN
ASPEK A HAK-HAK PEMEGANG SAHAM
ASPECT A Until the end
RELATIONSHIP BETWEEN PUBLIC COMPANIES ANDofSHAREHOLDERS
2024, the Bank as a public company has
IN GUARANTEEING
SHAREHOLDERS' RIGHTS
PRINSIP 1 MENINGKATKAN NILAI PENYELENGGARAAN RAPAT UMUM PEMEGANG SAHAM (RUPS)
PRINCIPLE 1 INCREASING THE VALUE OF ORGANIZING GENERAL MEETINGS OF SHAREHOLDERS (RUPS)
Rekomendasi 1:
Perusahaan Terbuka memiliki cara atau prosedur teknis Bank sebagai perusahaan terbuka telah memiliki cara
pengumpulan suara (voting) baik secara terbuka atau prosedur teknis voting tersebut tertuang dalam
maupun tertutup yang mengedepankan independensi, Tata Tertib RUPS yang dibagikan kepada pemegang
dan kepentingan pemegang saham. saham saat RUPS dengan mengedepankan independensi
dan kepentingan pemegang saham.
Recommendation 1:
Public Listed Companies have a method or technical The Bank as a public company has a method or technical
procedure for collecting votes (voting) both openly voting procedure contained in the GMS Rules of
and privately that prioritizes independence, and the Procedure which is distributed to shareholders at the
interests of shareholders. GMS by prioritizing the independence and interests of
shareholders.
Rekomendasi 2:
Seluruh anggota Direksi dan anggota Dewan Komisaris RUPST yang diselenggarakan pada tanggal 14 Mei 2024
Perusahaan Terbuka hadir dalam RUPST. telah dihadiri oleh seluruh Dewan Komisaris dan Direksi
PT Bank Maspion Indonesia Tbk
Recommendation 2:
All members of the Board of Directors and Board of The AGMS held on May 14, 2024 was attended by all
Commissioners of the Public Listed Company attended Board of Commissioners and Directors of PT Bank
the AGMS. Maspion Indonesia Tbk.
Rekomendasi 3:
Ringkasan risalah RUPS tersedia dalam situs website Risalah RUPST dan RUPSLB dalam bahasa Indonesia
Perusahaan Terbuka paling sedikit selama 1 (satu) dan Bahasa inggris yang telah dipublikasikan dan dapat
tahun. diunduh pada website Bank untuk periode lebih dari 1
(satu) tahun.
Recommendation 3:
The summary of GMS minutes is available on the Minutes of AGMS and EGMS in Indonesian and English
Public Listed Company's website for at least 1 (one) that have been published and can be downloaded on
year. the Bank's website for a period of more than 1 (one)
year
PT Bank Maspion Indonesia Tbk
Integated Report 2024 293
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Laporan Tata Kelola Perusahaan
Good Corporate Governance Report
HUBUNGAN PERUSAHAAN TERBUKA DENGAN PEMEGANG SAHAM DALAM MENJAMIN
ASPEK A HAK-HAK PEMEGANG SAHAM
ASPECT A RELATIONSHIP BETWEEN PUBLIC COMPANIES AND SHAREHOLDERS IN GUARANTEEING
SHAREHOLDERS' RIGHTS
PRINSIP 2 MENINGKATKAN KUALITAS KOMUNIKASI PERUSAHAAN TERBUKA DENGAN PEMEGANG SAHAM ATAU
PRINCIPLE 2 INVESTOR
IMPROVE THE QUALITY OF COMMUNICATION BETWEEN PUBLICLY LISTED COMPANIES AND SHAREHOLDERS
OR INVESTORS
Rekomendasi 4:
Perusahaan Terbuka memiliki suatu kebijakan Kebijakan komunikasi Perusahaan Terbuka dengan
komunikasi dengan pemegang saham atau investor. pemegang saham atau investor tertuang dalam Bagian
Kode Etik Perusahaan.
Recommendation 4:
Publicly listed companies have a communication policy The Public Listed Company's communication policy
with shareholders or investors. with shareholders or investors is set out in Section of
the Company's Code of Conduct.
Rekomendasi 5:
Perusahaan Terbuka mengungkapkan kebijakan Bank telah menampilkan hal tersebut dalam situs website
komunikasi Perusahaan Terbuka dengan pemegang pada bagian Hubungan Investor
saham atau investor dalam website Bank.
Recommendation 5:
The Public Listed Company discloses its communication The Bank has displayed this on its website under
policy with shareholders or investors on the Bank's Investor Relations.
website.
ASPEK B FUNGSI DAN PERAN DEWAN KOMISARIS
ASPECT B FUNCTION AND ROLE OF THE BOARD OF COMMISSIONERS
PRINSIP 3 MEMPERKUAT KEANGGOTAAN DAN KOMPOSISI DEWAN KOMISARIS
PRINCIPLE 3 STRENGTHENING THE MEMBERSHIP AND COMPOSITION OF THE BOARD OF COMMISSIONERS
Rekomendasi 6:
Penentuan jumlah anggota Dewan Komisaris Jumlah anggota Dewan Komisaris saat ini ada 5 (lima)
mempertimbangkan kondisi Perusahaan Terbuka. orang dan telah sesuai dengan ketentuan dan
mempertimbangkan kondisi Bank
Recommendation 6:
The determination of the number of members of the The number of members of the Board of Commissioners
Board of Commissioners considers the condition of is currently 5 (five) and is in accordance with the provisions
the Public Listed Company. and considering the condition of the Bank.
Rekomendasi 7:
Penentuan komposisi anggota Dewan Komisaris Komposisi angora Dewan Komisaris telah memperhatikan
memperhatikan keberagaman keahlian, pengetahuan aspek keberagaman yaitu unsur keahlian, pengetahuan,
dan pengalaman yang dibutuhkan. kebutuhan Bank, latar belakang pendidikan, usia dan
pengalaman, sehingga pengawasan Bank dapat optimal.
Recommendation 7:
Determination of the composition of the Board of The composition of the Board of Commissioners has
Commissioners takes into account the diversity of considered aspects of diversity, namely the elements
expertise, knowledge and experience required. of expertise, knowledge, the needs of the Bank,
educational background, age and experience, so that
the Bank's supervision can be optimized.
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ASPEK B FUNGSI DAN PERAN DEWAN KOMISARIS
ASPECT B FUNCTION AND ROLE OF THE BOARD OF COMMISSIONERS
PRINSIP 4 MENINGKATKAN KUALITAS PELAKSANAAN TUGAS DAN TANGGUNG JAWAB DEWAN KOMISARIS
PRINCIPLE 4 IMPROVING THE QUALITY OF THE IMPLEMENTATION OF THE DUTIES AND RESPONSIBILITIES OF THE
BOARD OF COMMISSIONERS
Rekomendasi 8:
Dewan Komisaris mempunyai kebijakan penilaian Kebijakan Penilaian sendiri (self-assessment) untuk
sendiri (self-assessment) untuk menilai kinerja Dewan menilai kinerja Dewan Komisaris telah tersedia.
Komisaris.
Recommendation 8:
The BOC has a self-assessment policy to assess the A self-assessment policy to assess the performance of
performance of the BOC. the BOC is in place.
Rekomendasi 9:
Kebijakan penilaian sendiri (self-assessment) untuk Kebijakan Penilaian Sendiri Dewan Komisaris diungkapkan
menilai kinerja Dewan Komisaris, diungkapkan melalui dalam Laporan Tahunan.
Laporan Tahunan Perusahaan Terbuka.
Recommendation 9:
The self-assessment policy to assess the performance The Board of Commissioners' Self-Assessment Policy
of the Board of Commissioners is disclosed in the is disclosed in the Annual Report.
Public Listed Company's Annual Report.
Rekomendasi 10:
Dewan Komisaris mempunyai kebijakan terkait Kebijakan pengunduran diri bagi anggota Dewan
pengunduran diri anggota Dewan Komisaris apabila Komisaris tertuang dalam Anggaran Dasar Perseroan,
terlibat dalam kejahatan keuangan. termasuk di dalamnya terlibat dalam kejahatan keuangan.
Recommendation 10: The resignation policy for members of the Board of
The Board of Commissioners has a policy regarding Commissioners is set out in the Company's Articles of
the resignation of members of the Board of Association, including involvement in financial crimes.
Commissioners if involved in financial crimes.
Rekomendasi 11:
Dewan Komisaris atau Komite yang menjalankan fungsi Kebijakan suksesi dalam proses Nominasi anggota
Nominasi dan Remunerasi menyusun kebijakan suksesi Direksi telah disusun dan dituangkan dalam Prosedur
dalam proses Nominasi anggota Direksi. Remunerasi dan Nominasi Direksi dan Dewan Komisaris.
Recommendation 11:
The Board of Commissioners or the Committee that The succession policy in the process of nominating
carries out the Nomination and Remuneration function members of the Board of Directors has been prepared
develops a succession policy in the process of and outlined in the Remuneration and Nomination
Nominating members of the Board of Directors. Procedures of the Board of Directors and Board of
Commissioners.
ASPEK C FUNGSI DAN PERAN DIREKSI
ASPECT C FUNCTIONS AND ROLES OF THE BOARD OF DIRECTORS
PRINSIP 5 MEMPERKUAT KEANGGOTAAN DAN KOMPOSISI DIREKSI
PRINCIPLE 5 STRENGTHENING THE MEMBERSHIP AND COMPOSITION OF THE BOARD OF DIRECTORS
Rekomendasi 12:
Penentuan jumlah anggota Direksi mempertimbangkan Jumlah Direksi Bank pada periode 2023 ada 5 (lima)
kondisi Perusahaan Terbuka serta efektifitas dalam orang dan telah sesuai dengan ukuran, kebutuhan, dan
pengambilan keputusan. dinamika usaha Bank.
Recommendation 12:
The determination of the number of members of the The number of the Bank's Board of Directors in 2023
Board of Directors considers the condition of the Public is 5 (five) people and is in accordance with the size,
Listed Company as well as the effectiveness in decision needs, and business dynamics of the Bank.
making.
PT Bank Maspion Indonesia Tbk
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Good Corporate Governance Report
ASPEK C FUNGSI DAN PERAN DIREKSI
ASPECT C FUNCTIONS AND ROLES OF THE BOARD OF DIRECTORS
Rekomendasi 13:
Penentuan komposisi anggota Direksi memperhatikan Komposisi anggota Direksi Bank telah memperhatikan
keberagaman keahlian, pengetahuan dan pengalaman unsur keberagaman keahlian, pengetahuan dan
yang dibutuhkan. pengalaman. Dengan adanya keberagaman tersebut
maka dapat memberikan gagasan dan ide pengembangan
usaha serta penyelesaian masalah terbaik untuk Bank.
Recommendation 13:
Determination of the composition of the Board of The composition of the Bank's Board of Directors has
Directors takes into account the diversity of expertise, taken into account the diversity of skills, knowledge
knowledge and experience required. and experience. With this diversity, it can provide ideas
and ideas for business development and the best
problem solving for the Bank.
Rekomendasi 14:
Anggota Direksi yang membawahi bidang akuntansi Divisi Akuntansi dibawah supervisi langsung kepada
atau keuangan memiliki keahlian dan/atau pengetahuan Direksi yang memiliki keahlian, pengalaman dan
di bidang akuntansi. pengetahuan di bidang akuntansi, dalam hal ini Direktur
Utama.
Recommendation 14:
Members of the Board of Directors in charge of The Accounting Division is directly supervised by the
accounting or finance have expertise and/or knowledge Board of Directors who has expertise, experience and
in accounting. knowledge in accounting, in this case the President
Director.
PRINSIP 6 MENINGKATKAN KUALITAS PELAKSANAAN TUGAS DAN TANGGUNG JAWAB DIREKSI
PRINCIPLE 6 IMPROVING THE QUALITY OF THE IMPLEMENTATION OF THE DUTIES AND RESPONSIBILITIES OF THE
BOARD OF DIRECTORS
Rekomendasi 15:
Direksi mempunyai kebijakan penilaian sendiri (self- Direksi telah memiliki kebijakan penilaian sendiri (self-
assessment) untuk menilai kinerja Direksi. assessment) untuk menilai kinerja Direksi
Recommendation 15:
The Board of Directors has a self-assessment policy The Board of Directors has a self-assessment policy to
to assess the performance of the Board of Directors. assess the performance of
Rekomendasi 16:
Kebijakan penilaian sendiri (self-assessment) untuk Dalam Laporan Tahunan Direksi telah diungkapkan
menilai kinerja Direksi diungkapkan melalui Laporan penilaian sendiri (self-assessment) untuk menilai kinerja
Tahunan Perusahaan Terbuka. Direksi.
Recommendation 16:
The self-assessment policy to assess the performance The Annual Report of the Board of Directors has disclosed
of the Board of Directors is disclosed in the Public the self-assessment to assess the performance of the
Listed Company's Annual Report. Board of Directors.
Rekomendasi 17:
Direksi mempunyai kebijakan terkait pengunduran diri Direksi mempunyai kebijakan terkait pengunduran diri
anggota Direksi apabila terlibat dalam kejahatan anggota Direksi apabila terlibat dalam kejahatan keuangan
keuangan.
Recommendation 17:
The Board of Directors has a policy regarding the The Board of Directors has a policy regarding the
resignation of members of the Board of Directors if resignation of members of the Board of Directors if they
they are involved in financial crimes. are involved in financial crimes.
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ASPEK D PARTISIPASI PEMANGKU KEPENTINGAN
ASPECT D STAKEHOLDER PARTICIPATION
PRINSIP 7 MENINGKATKAN ASPEK TATA KELOLA PERUSAHAAN MELALUI PARTISIPASI PEMANGKU KEPENTINGAN
PRINCIPLE 7 IMPROVING ASPECTS OF CORPORATE GOVERNANCE THROUGH STAKEHOLDER PARTICIPATION
Rekomendasi 18:
Perusahaan Terbuka memiliki kebijakan untuk mencegah Kebijakan pencegahan inside trading diatur dalam Kode
terjadinya insider trading. Etik sub bab penanganan informasi, yaitu pegawai tidak
diperkenankan memberikan informasi kepada pihak-
pihak lain yang secara langsung maupun tidak langsung
berpotensi merugikan perusahaan atau pihak lain yang
berkepentingan dengan tujuan memperoleh keuntungan
pribadi.
Recommendation 18:
Public Listed Companies have policies to prevent The inside trading prevention policy is regulated in the
insider trading. Code of Ethics sub-chapter on information handling,
namely employees are not allowed to provide information
to other parties that directly or indirectly has the potential
to harm the company or other interested parties with
the aim of obtaining personal gain.
Rekomendasi 19:
Perusahaan Terbuka memiliki kebijakan anti korupsi Bank telah memiliki kebijakan anti korupsi dan anti-fraud
dan anti-fraud. yang melarang seluruh karyawan dan manajemen
melakukan tindak fraud, korupsi dan penyuapan
Recommendation 19:
Public Listed Companies have anti-corruption and The Bank has an anti-corruption and anti-fraud policy
anti-fraud policies. that prohibits all employees and management from
committing fraud, corruption and .
Rekomendasi 20:
Perusahaan Terbuka memiliki kebijakan tentang seleksi Bank telah memiliki kebijakan tentang seleksi pemasok
dan peningkatan kemampuan pemasok atau vendor. / vendor untuk pengadaan Barang dan Jasa
Recommendation 20:
The Public Listed Company has a policy on the selection The Bank has a policy on supplier/vendor selection for
and upgrading of suppliers or vendors. the procurement of Goods and Services.
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Laporan Tata Kelola Perusahaan
Good Corporate Governance Report
ASPEK D PARTISIPASI PEMANGKU KEPENTINGAN
ASPECT D STAKEHOLDER PARTICIPATION
Rekomendasi 21:
Perusahaan Terbuka memiliki kebijakan tentang Sebagai lembaga keuangan yang berperan sebagai
pemenuhan hak-hak kreditur. perantara keuangan (financial intermediary) antara
pihak – pihak yang memiliki kelebihan dana (surplus of
funds) dengan pihak – pihak yang memerlukan dana
(deficit of funds) maka Bank memiliki Ketentuan internal
yang memastikan hak-hak kreditur antara lain:
• Hak untuk mendapatkan informasi yang jelas dan
lengkap mengenai produk dan layanan Bank;
• Kemudahan bertransaksi melalui kantor cabang
maupun delivery channel lain yang ditetapkan
• Memperoleh bunga yang besarnya sesuai dengan
ketentuan yang berlaku di Bank;
• Mendapatkan pembayaran pokok pada saat jatuh
tempo;
• Mendapatkan penyelesaian atas setiap pengaduan
nasabah.
Recommendation 21:
Public Listed Companies have policies on the fulfillment As a financial institution that acts as a financial
of creditors' rights. intermediary between parties who have surplus of funds
and parties who need funds (deficit of funds), the Bank
has internal provisions that ensure the rights of creditors,
among others:
• The right to obtain clear and complete information
about the Bank's products and services;
• Ease of transactions through branch offices and
other delivery channels
• Earn interest in accordance with the applicable
provisions of the Bank;
• Receive principal repayment at ;
• Obtain resolution of any customer complaints.
Rekomendasi 22:
Perusahaan Terbuka memiliki kebijakan sistem Bank telah mengatur mekanisme whistleblowing yang
whistleblowing. telah diungkapkan dalam Laporan Tahunan pada bagian
Whistleblowing.
Recommendation 22:
The Public Listed Company has a whistleblowing The Bank has set up a whistleblowing mechanism which
system policy. has been disclosed in the Annual Report in the
Whistleblowing section.
Rekomendasi 23:
Perusahaan Terbuka memiliki kebijakan pemberian Telah memiliki kebijakan yang mengatur hal tersebut
insentif jangka panjang kepada Direksi dan karyawan.
Recommendation 23:
The Public Listed Company has a policy of providing
long-term incentives to Directors and employees. Has a policy that regulates this
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ASPEK E KETERBUKAAN INFORMASI
ASPECT E INFORMATION DISCLOSURE
PRINSIP 8 MENINGKATKAN PELAKSANAAN KETERBUKAAN INFORMASI
PRINCIPLE 8 IMPROVING THE IMPLEMENTATION OF INFORMATION DISCLOSURE
Rekomendasi 24:
Perusahaan Terbuka memanfaatkan penggunaan Bank telah memanfaatkan penggunaan teknologi
teknologi informasi secara lebih luas selain situs website informasi sebagai keterbukaan informasi kepada
sebagai media keterbukaan informasi. stakeholder melalui website.
Recommendation 24:
The Public Listed Company utilizes the wider use of The Bank has utilized the use of information technology
information technology in addition to the website as as information disclosure to stakeholders through the
a medium for information disclosure. website.
Rekomendasi 25:
Laporan Tahunan Perusahaan Terbuka mengungkapkan Bank telah mengungkapkan pemegang saham yang
pemilik manfaat akhir dalam kepemilikan saham memiliki saham 5% (lima persen) atau lebih dalam
Perusahaan Terbuka paling sedikit 5% (lima persen), Laporan Tahunan.
selain pengungkapan pemilik manfaat akhir dalam
kepemilikan saham Perusahaan Terbuka melalui
pemegang saham utama dan pengendali.
Recommendation 25:
The Annual Report of a Public Listed Company discloses The Bank has disclosed shareholders who own 5% (five
the ultimate beneficial owner in the shareholding of percent) or more shares in the Annual Report.
the Public Listed Company of at least 5% (five percent),
in addition to the disclosure of the ultimate beneficial
owner in the shareholding of the Public Listed Company
through the ultimate and controlling shareholders.
Hingga akhir tahun 2024, Bank sebagai perusahaan terbuka considered and implemented aspects, principles, and
telah memperhatikan dan menerapkan aspek, prinsip, dan recommendations from OJK in accordance with applicable
rekomendasi dari OJK sesuai dengan peraturan yang berlaku. regulations.
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Good Corporate Governance Report
Informasi Lain Yang Terkait GCG
Other GCG Related Information
Selama tahun 2024, tidak ada intervensi pemilik pada komposisi During 2024, there was no owner intervention in the composition
dan pelaksanaan tugas Dewan Komisaris dan Direksi. Seluruh and duties of the Board of Commissioners and Board of
informasi yang berkaitan dengan implementasi Tata Kelola Directors. All information relating to the implementation of
Perusahaan sudah diungkap dalam Laporan Tata Kelola Corporate Governance has been disclosed in the Corporate
Perusahaan sehingga tidak ada hal lain yang perlu diungkapkan Governance Report so there is nothing else that needs to be
kembali. disclosed.
Bank telah memiliki beberapa kebijakan terkait GCG sebagai The Bank has several policies related to GCG as follows:
berikut:
Kebijakan Keterangan Tautan Kebijakan
Policy Description Policy Link
Pemisahan Chairman of the Board dan CEO Peraturan PD-11 /Policy/1124 tentang Kebijakan Aspek Tersedia dalam link internal
Separation of Chairman of the Board and Pemegang Saham, Dividen dan Aksi Korporasi Bank
CEO Regulation PD-11 /Policy/1124 on Policy on Shareholder Available in the Bank's
Aspects, Dividends and Corporate Actions internal link
Penilaian Dewan komisaris dan Direksi Peraturan PD-16/Policy/1224 tentang Kebijakan Tata
Assessment of the Board of Commissioners Kelola Bank
and Directors Regulation PD-16/Policy/1224 on Bank Governance
Policy
Pelatihan Dewan Komisaris dan Direksi • Peraturan PD-08/ Policy/0824 tentang Pedoman
Board of Commissioners and Directors dan Tata Tertib Kerja Direksi
Training • Peraturan PD-07 /Policy/0824 tentang Pedoman
dan Tata Tertib Kerja Dewan Komisaris
• Regulation PD-08/Policy/0824 on the Guidelines
and Work Procedures of the Board of Directors
• Regulation PD-07 /Policy/0824 on the Guidelines
and Work Procedures of the Board of
Commissioners
Pemilihan Dewan Komisaris dan Direksi • Peraturan PD-08/ Policy/0824 tentang Pedoman
Election of Board of Commissioners and dan Tata Tertib Kerja Direksi
Directors • Peraturan PD-07 /Policy/0824 tentang Pedoman
dan Tata Tertib Kerja Dewan Komisaris
• Regulation PD-08/Policy/0824 on the Guidelines
and Work Procedures of the Board of Directors
• Regulation PD-07 /Policy/0824 on the Guidelines
and Work Procedures of the Board of
Commissioners
Kebijakan Kode Etik dan/atau Anti Korupsi Peraturan PD-16/Policy/122 tentang Kebijakan Tata
Code of Conduct and/or Anti-Corruption Kelola Bank
Policy Regulation PD-16/Policy/122 on Bank Governance
Policy
Perlakuan Adil terhadap Pemegang Saham Peraturan PD-11 /Policy/1124 tentang Kebijakan Aspek
Fair Treatment of Shareholders Pemegang Saham, Dividen dan Aksi Korporasi
Regulation PD-11 /Policy/1124 on Policy on Shareholder
Aspects, Dividends and Corporate Actions
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Kebijakan Keterangan Tautan Kebijakan
Policy Description Policy Link
Kewajiban Dewan Komisaris dan Direksi • SE 002/DIRKEP/02/2023 tentang Transaksi
Mencegah Konflik Kepentingan Afiliasi dan Benturan Kepentingan
Obligation of the Board of Commissioners • Peraturan PD-08/ Policy/0824 tentang Pedoman
and Directors to Prevent Conflicts of Interest dan Tata Tertib Kerja Direksi
• Peraturan PD-07 /Policy/0824 tentang Pedoman
dan Tata Tertib Kerja Dewan Komisaris
• SE 002/DIRKEP/02/2023 on Affiliated
Transactions and Conflict of Interest
• Regulation PD-08/Policy/0824 on the Guidelines
and Work Procedures of the Board of Directors
• Regulation PD-07 /Policy/0824 on the Guidelines
and Work Procedures of the Board of
Commissioners
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Manajemen Risiko
Risk Management
Manajemen Risiko
Risk Management
Penerapan sistem manajemen risiko Bank berpedoman pada The implementation of the Bank's risk management system
Peraturan Otoritas Jasa Keuangan Nomor 18/POJK.03/2016 is guided by the Financial Services Authority Regulation
yang pelaksanaannya diatur dalam Surat Edaran Otoritas Jasa Number 18/POJK.03/2016, the implementation of which is
Keuangan Nomor 34/SEOJK.03/2016. Bank juga berupaya regulated in Financial Services Authority Circular Letter Number
untuk meningkatkan kualitas manajemen risiko dengan secara 34/SEOJK.03/2016. The Bank also strives to improve the
terus menerus meningkatkan risk awereness ke seluruh quality of risk management by continuously improving risk
karyawan. Peningkatan risk awareness ini bertujuan bukan awareness among all employees. The aim of increasing risk
hanya untuk melindungi kepentingan Bank, namun juga awareness is not only to protect the interests of the Bank,
kepentingan pemangku kepentingan lainnya. but also the interests of other stakeholders.
Bank melakukan pengelolaan risiko secara efektif sesuai The Bank manages risk effectively in accordance with the
dengan ukuran dan kompleksitas aktifitas perbankan yang size and complexity of its banking activities. This management
dijalani. Pengelolaan ini menggunakan serangkaian metodologi uses a series of methodologies and procedures used to
dan prosedur yang digunakan untuk mengidentifikasi, mengukur, identify, measure, monitor, and control risks arising from all
memantau, dan mengendalikan risiko yang timbul dari seluruh of the Bank's business activities. Through the risk management
kegiatan usaha Bank. Melalui proses pelaksanaan pengelolaan implementation process, the Bank can identify, measure, and
risiko, Bank dapat mengidentifikasi, mengukur, dan control the risks faced in conducting its business activities,
mengendalikan risiko yang dihadapi dalam melakukan kegiatan support the effectiveness of the Bank's risk-based oversight
usahanya, mendukung efektivitas kerangka pengawasan Bank framework, make the Bank operate efficiently, transparently
berbasis risiko, membuat Bank beroperasi secara efisien, and grow sustainably.
transparan dan tumbuh secara berkesinambungan.
TATA KELOLA RISIKO RISK GOVERNANCE
Penerapan manajemen risiko telah menjadi kebutuhan untuk The application of risk management has become a necessity
dipenuhi dalam implementasi kegiatan bisnis Perbankan, yang in the implementation of banking business activities, where
mana kegiatan bisnis Bank senantiasa berhadapan dengan the bank's business activities are constantly dealing with risks
risiko-risiko yang erat kaitanya dengan proses intermediasi that are closely related to the banking intermediation process.
Perbankan. Bank melakukan pengelolaan risiko sesuai dengan The bank manages risk according to the size, dynamics and
ukuran, dinamika dan kompleksitas bisnis Bank. Penerapan tata complexity of the bank's business. The implementation of risk
kelola risiko berfungsi untuk meningkatkan pengendalian internal, governance serves to improve internal control, increase
meningkatkan pertumbuhan kinerja usaha secara berkelanjutan sustainable business performance growth and assist in more
serta membantu pengambilan keputusan bisnis secara lebih effective and efficient business decision making. The Bank's
efektif dan efisien. Struktur tata kelola risko, Bank diperkuat risk governance structure is strengthened by the support of
dengan dukungan komite-komite dibawah Direksi dan komite- committees under the Board of Directors and committees
komite dibawah Dewan Komisaris dalam proses penerapan under the Board of Commissioners in the risk management
manajemen risiko. Komite-komite ini memberikan masukan atas implementation process. These committees provide input on
permasalahan bisnis dan strategis yang dihadapi Bank. business and strategic issues faced by the Bank.
Sejalan dengan kondisi terkini Bank yang mengalami transformasi In line with the Bank's current condition of transforming into
menjadi Bank yang lebih dinamis dalam memberikan pelayanan a more dynamic Bank in providing banking services to
perbankan kepada nasabah, tata kelola risiko yang efektif dan customers, effective and adequate risk governance is a main
memadai menjadi prasyarat utama dalam mendukung transformasi prerequisite in supporting the business transformation that
bisnis yang saat ini sedang dijalankan. Tata kelola risiko pada is currently underway. Risk governance at the Bank refers to
Bank merujuk pada ketentuan regulator yang tertuang dalam regulatory provisions set forth in the Financial Services
Peraturan Otoritas Jasa Keuangan dan Surat Otoritas Jasa Authority Regulations and Financial Services Authority Letters
Keuangan yang mana berdasarkan 4 Pilar yakni : which are based on 4 Pillars, namely:
1. Pengawasan Aktif Dewan Komisaris dan Direksi 1. Active Supervision of the Board of Commissioners and
Directors
Dewan Komisaris dan Direksi secara aktif melakukan The Board of Commissioners and Directors actively
pengawasan dan pelaksanaan penerapan manajemen supervise and implement risk management at the
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risko pada Bank. Hal ini tercermin dengan persetujuan Bank. This is reflected in the approval of the established
atas kebijakan manajemen risiko yang ditetapkan, melakukan risk management policy, conducting supervision to
pengawasan untuk memastikan kebijakan dan pelaksanaan ensure that the policy and implementation of risk
penerapan manajemen risiko telah memadai dan efektif management are adequate and effectively applied,
diterapkan serta melakukan evaluasi terhadap berkala and periodically evaluating the implementation of risk
terhadap penerapan manajemen risiko. Adapun dalam management. As for the implementation of risk
kaitanya dengan pelaksanaaan penerapan risiko telah application, a risk management policy and its updating
disusun kebijakan manajemen risiko beserta pengkiniaanya, have been formulated, evaluating the risk management
melakukan evaluasi terhadap pedoman atau kebijakan guidelines or policies and the risk management
manajemen risiko dan kerangka pelaksanaan manajemen implementation framework, providing sufficient human
risiko, menyediakan sumber daya manusia yang cukup resources to fill the organizational structure in the
untuk mengisi struktur organisasi dalam rangka penerapan context of risk management implementation and
manjemen risiko serta memastikan fungsi pelaksanaan ensuring the function of independent risk management
manajemen risiko independent terhadap bisnis unit dan implementation for business units and work units that
unit kerja yang melaksanakan kegiatan transaksi. carry out transaction activities.
2. Kecukupan Kebijakan Prosedur dan Penetapan Limit 2. Adequacy of Policy Procedures and Limit Setting
Bank telah menyusun pedoman manajemen risiko yang The Bank has compiled risk management guidelines
merupakan kebijakan umum (policy) dalam pelaksanaan which are general policies in the implementation of
manajemen risiko yang selaras dengan visi, misi dan RBB. risk management that are in line with the Bank's vision,
kebijakan atau pedoman ini merupakan pedoman bagi mission and RBB. These policies or guidelines are a
seluruh elemen Bank untuk melaksanakan penerapan guide for all elements of the Bank to implement risk
manajemen risiko. Selain kebijakan atau pedoman management. In addition to the risk management
manajemen risiko Bank telah membentuk risk appetite policy or guidelines, the Bank has established a risk
dan risk tolerance yang merupakan besaran tingkat risiko appetite and risk tolerance, which are the levels of
yang akan diambil Bank untuk mencapai visi dan misi yang risk that the Bank will take to achieve the vision and
telah ditetapkan melalui rencana bisnis dan rencana strategi mission that have been set out in the Bank's business
Bank dan tingkat risiko yang secara maksimum dapat plan and strategic plan, and the level of risk that the
diterima Bank. Risk appetite dan Risk tolerance selanjutnya Bank can accept as a maximum. The risk appetite and
dikinikan secara periodik dan disesuaikan dengan RBB risk tolerance are then periodically reviewed and
dan perkembangan eksternal yang dapat mempegaruhi adjusted to the RBB and external developments that
kinerja Bank. Selanjutnya Bank telah menetapkan limit-limit may affect the Bank's performance. Furthermore, the
untuk tiap jenis risiko, limit untuk setiap kegiatan usaha Bank has set limits for each type of risk, limits for each
yang memiliki paparan risiko dan limit secara keseluruhan. business activity that has risk exposure and overall
limits.
3. Kecukupan Proses Identifikasi, Pengukuran, Pemantauan 3. Adequacy of Risk Identification, Measurement,
dan Pengendalian Risiko serta Sistem informasi Manajemen Monitoring and Control Processes and Risk Management
Risiko Information Systems
Proses manajemen risiko meliputi identifikasi pengukuran, The risk management process includes the identification,
pemantauan dan pengendalian seluruh jenis risiko dengan measurement, monitoring and control of all types of
mencakup seluruh aktivitas bisnis Bank. Identifikasi risiko risks by covering all of the Bank's business activities.
dilakukan pada setiap aktifitas fungsional Bank dalam Risk identification is carried out in every functional
rangka menganalisa sumber risiko beserta dampaknya activity of the Bank in order to analyze the sources of
baik bersifat finansial maupun non finansial. Identifikasi risk and its impact, both financial and non-financial.
risiko juga dipastikan sebelum Bank melakukan peluncuran Risk identification is also ensured before the Bank
produk dan aktivitas baru. Pengukuran risiko dilakukan launches new products and activities. Risk measurement
Bank sebagai tolak ukur dilakukan pengendalian, lewat is carried out by the Bank as a benchmark for control,
pengukuran risiko yang akurat akan diperoleh respon through accurate risk measurement, an appropriate
pengendalian yang tepat, sehingga paparan risiko dapat control response will be obtained, so that risk exposure
dikendalikan. Penerapan Manajemen risiko juga didukung can be controlled. The implementation of risk
oleh sistem informasi yang memadai, akurat, informatif, management is also supported by an adequate,
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tepat waktu, sesuai dengan paparan risiko yang dihadapi accurate, informative, and timely information system,
agar dapat digunakan oleh manajemen tekait untuk menilai, in accordance with the risk exposure faced so that it
memantau dan memitigasi risiko yang dihadapi Bank. can be used by relevant management to assess,
monitor, and mitigate the risks faced by the Bank.
4. Pengendalian Internal 4. Internal Control
Bank melakukan pengendalian internal secara terpadu The Bank carries out internal control in an integrated
dan bersama-sama dimana seluruh lini tingkatan manajemen and collaborative manner where all levels of
berperan dalam pengendalian internal, dengan partisipasi management play a role in internal control, with joint
bersama dalam pengendalian internal, tercipta pengendalian participation in internal control, creating effective
internal yang efektif. Penerapan pengendalian internal internal control. The implementation of effective internal
yang efektif dapat membantu pengurus Bank dalam control can help the Bank's management in safeguarding
menjaga aset Bank, menjamin tersedianya pelaporan the Bank's assets, ensuring the availability of accurate
keuangan dan manajerial yang akurat, meningkatkan financial and managerial reporting, improving the
kepatuhan Bank terhadap ketentuan perbankan dan Bank's compliance with banking regulations and other
peraturan perundang-undangan lainnya, serta mengurangi laws and regulations, and reducing the risk of losses,
risiko terjadinya kerugian, penyimpangan, fraud dan irregularities, fraud and violations of prudential aspects.
pelanggaran aspek kehati-hatian. Terselengaranya The implementation of reliable and effective internal
pengendalian internal Bank yang handal dan efektif control is an important part of the Bank's risk
merupakan bagian penting dalam manajemen risiko Bank management and is the basis for sound business
dan menjadi dasar bagi kegiatan usaha Bank yang sehat. activities.
Pengungkapan Permodalan
Capital Disclosure
Tujuan utama dari kebijakan Bank atas kebijakan pengelolaan The main objective of the Bank's capital management policy
modal adalah untuk memastikan bahwa Bank memiliki modal is to ensure that the Bank has strong capital to support its
yang kuat untuk mendukung strategi pengembangan ekspansi current business expansion strategy, maintain business
usaha Bank saat ini, mempertahankan kelangsungan continuity in the future, meet the capital adequacy requirements
pengembangan bisnis di masa mendatang, untuk memenuhi set by regulators and ensure that the Bank's capital structure
ketentuan kecukupan permodalan yang ditetapkan oleh is efficient.
regulator serta untuk memastikan agar struktur permodalan
Bank telah efisien.
Bank menyusun Rencana Permodalan berdasarkan penilaian The Bank prepares a Capital Plan based on an assessment
dan penelaahan atas kebutuhan kecukupan permodalan yang and review of the required capital adequacy needs and
dipersyaratkan dan mengkombinasikannya dengan tinjauan combines it with a review of the latest economic developments.
perkembangan ekonomi terkini. Bank selalu senantiasa The Bank always maintains the Bank's capital position to
menjaga posisi permodalan bank agar memenuhi kecukupan meet the capital adequacy set by the regulator and ensures
permodalan yang ditetapkan oleh regulator serta memastikan that the Bank's capital structure is at a strong and adequate
struktur permodalan bank berada pada tingkat yang kuat dan level to support the Bank's business development on an
memadai untuk mendukung perkembangan usaha bank secara ongoing basis.
berkelanjutan.
Pengelolaan modal bank mempertimbangkan kondisi ekonomi, Bank capital management considers the economic conditions,
kondisi usaha dan strategi usaha bank, dan faktor eksternal business conditions and business strategies of the bank, and
lainnya. Kebutuhan permodalan Bank juga direncanakan dan other external factors. The Bank's capital needs are also
didiskusikan secara rutin yang didukung dengan data-data planned and discussed routinely, supported by analytical
analisis. Rencana Permodalan disusun oleh Direksi sebagai data. The Capital Plan is prepared by the Board of Directors
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bagian dari RBB dan disetujui oleh Dewan Komisaris. Rencana as part of the RBB and approved by the Board of Commissioners.
Permodalan ini memastikan bahwa tingkat permodalan yang This Capital Plan ensures that an adequate level of capital
cukup dan kombinasi yang kuat dari berbagai komponen and a strong combination of different capital components
permodalan yang berbeda dipertahankan guna mendukung are maintained to support future business growth.
pertumbuhan bisnis ke depan.
Struktur permodalan Bank dibagi menjadi 2 (dua) Tier The Bank's capital structure is divided into 2 (two) Tiers based
berdasarkan peraturan yang berlaku, yang terdiri dari: on applicable regulations, which consist of:
I. Modal Inti (Tier 1) yang terdiri dari modal inti utama I. Core Capital (Tier 1) which consists of core capital
(Common Equity Tier 1) dan modal inti tambahan (Common Equity Tier 1) and additional capital (Additional
(Additional Tier 1). Modal inti utama antara lain meliputi Tier 1). The main core capital includes paid-up capital
modal disetor dan cadangan tambahan modal (disclosed and additional capital reserves (disclosed reserves)
reserves) dikurangi dengan faktor pengurang modal minus the main core capital deduction factors, namely:
inti utama yakni : potensi kerugian dari penurunan nilai potential losses from a decrease in the fair value of
wajar aset keuangan, rugi tahun berjalan, PPKA non financial assets, current year losses, non-productive
produktif, pajak tangguhan, dan seluruh aset tidak PPKA, deferred taxes, and all other intangible assets.
berwujud lainnya .Adapun cadangan tambahan modal The additional capital reserves consist of augmentation
terdiri atas faktor penambah (pendapatan komprehensif factors (other comprehensive income and other
lainnya dan cadangan tambahan modal lainnya) . additional capital reserves). Until the end of December
Hingga akhir Desember 2024, Bank tidak memiliki 2024, the Bank does not have Additional Tier 1 Capital
Modal Inti Tambahan (Additional Tier 1) yang memenuhi that meets the applicable regulatory criteria.
kriteria peraturan yang berlaku.
II. Modal Pelengkap (Tier 2) yang terdiri dari cadangan II. Tier 2 Capital consisting of general provisions for asset
umum Penyisihan Penghapusan Aset atas aset produktif impairment for earning assets that must be established
yang wajib dibentuk (maksimum 1,25% dari ATMR (maximum 1.25% of Credit Risk RWA).
Risiko Kredit).
Per akhir Desember 2024, rasio kecukupan modal (CAR) Bank As of the end of December 2024, the Bank's capital adequacy
tercatat sebesar 43,52% yang terdiri modal inti utama (common ratio (CAR) was recorded at 43.52%, consisting of core capital
equity tier 1) sebesar Rp. 6.240.084 juta atau 42,50% dari total (common equity tier 1) amounting to Rp. 6,240,084 million or
ATMR. Persentase modal inti utama tersebut mencapai 97,65% 42.50% of total RWA. The percentage of core capital reaches
dari total modal. Modal Bank selanjutnya adalah modal 97.65% of the total capital. The Bank's capital is further
pelengkap (tier 2) sebesar Rp. 150.402 juta atau 1,02% dari supplemented by Tier 2 capital of Rp. 150,402 million or 1.02%
total ATMR, Persentase modal pelengkap mencapai 2,35% of total RWA. The percentage of supplementary capital reaches
dari total modal. Nilai ATMR per akhir Desember 2024 adalah 2.35% of the total capital. The RWA value as of the end of
sebesar Rp. 14.682.900 juta yang terdiri atas ATMR risiko December 2024 was IDR 14,682,900 million, consisting of
kredit sebesar Rp. 14.119.691 juta, ATMR Risiko Pasar Rp. 41.034 credit risk RWA of IDR 14,119,691 million, market risk RWA of
juta, dan ATMR untuk risiko operasional sebesar Rp. 522.175 IDR 41,034 million, and operational risk RWA of IDR 522,175
juta. million.
Bank telah memenuhi semua persyaratan modal yang diwajibkan The Bank has met all the required capital requirements for the
untuk tahun yang disajikan sesuai dengan Peraturan Otoritas year presented in accordance with Financial Services Authority
Jasa Keuangan Nomor 34/POJK.03/2016 tentang Kewajiban Regulation Number 34/POJK.03/2016 concerning the Minimum
Penyediaan Modal Minimum Bank Umum antara lain penyediaan Capital Adequacy Requirement for Commercial Banks, including
Modal Inti, Modal inti utama dan Modal pelengkap. the provision of Core Capital, Primary Core Capital and
Supplementary Capital.
Sesuai dengan Peraturan Otoritas Jasa Keuangan Nomor 11/ In accordance with the Financial Services Authority Regulation
POJK.03/2016 tentang Kewajiban Penyediaan Modal Minimum Number 11/POJK.03/2016 concerning the Minimum Capital
Bank Umum, Peraturan Otoritas Jasa Keuangan No. 34/ Adequacy Requirement for Commercial Banks, Financial
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POJK.03/2016 tentang Perubahan atas Peraturan Otoritas Services Authority Regulation No. 34/POJK.03/2016 concerning
Jasa Keuangan Nomor 11/POJK.03/2016 tentang Kewajiban Amendments to Financial Services Authority Regulation
Penyediaan Modal Minimum Bank Umum dan Surat Edaran Number 11/POJK.03/2016 concerning the Minimum Capital
Otoritas Jasa Keuangan Nomor 26/SEOJK.03/2016 tentang Adequacy Requirement for Commercial Banks and the Financial
Kewajiban Penyediaan Modal Minimum sesuai Profil Risiko Services Authority Circular Letter Number 26/SEOJK.03/2016
dan Pemenuhan Capital Equivalency Maintained Assets concerning the Obligation to Provide Minimum Capital according
(CEMA) maka Bank secara berkala melakukan proses to Risk Profile and Fulfillment of Capital Equivalency Maintained
perhitungan Kewajiban Penyediaan Modal Minimum sesuai Assets (CEMA), the Bank periodically carries out the process
Profil Risiko (Internal Capital Adequacy Asessment Process/ of calculating the Obligation to Provide Minimum Capital
ICAAP) untuk mengetahui kekuatan permodalan bank dalam according to Risk Profile (Internal Capital Adequacy Assessment
kondisi stress dan mengantisipasi kerugian yang mungkin Process/ICAAP) to determine the bank's capital strength under
timbul di masa mendatang dari risiko kredit, risiko pasar, dan stress conditions and anticipate potential future losses from
risiko operasional yang belum sepenuhnya diperhitungkan credit risk, market risk, and operational risks that have not
dalam ATMR. been fully taken into account in RWA.
Pada periode akhir 2024 predikat profil risiko Bank berada In the end of 2024, the Bank's risk profile is ranked 3 (Moderate),
pada peringkat 3 (Moderate) maka sesuai regulasi kewajiban so according to the minimum capital requirement regulations,
penyediaan modal minimum, tingkat permodalan yang the level of capital needed to absorb potential losses from
dibutuhkan untuk menyerap potensi kerugian dari risiko the Bank's material risks is 10-11%. The Bank believes that its
material Bank adalah sebesar 10 - 11%. Bank meyakini bahwa current capital position is sufficient to support its business
posisi modal Bank saat ini telah memadai untuk mendukung strategy and is able to absorb risks and potential changes in
strategi bisnis dan mampu menyerap risiko serta perubahan risks due to external conditions that may affect the Bank's
potensi risiko akibat kondisi eksternal yang dapat berpengaruh business strategy.
terhadap strategi bisnis Bank.
Pengungkapan komposisi permodalan (CC1) Bank per 31 Disclosure of the Bank's capital composition (CC1) as of
Desember 2024 dalam Tabel 5. December 31, 2024, in Table 5.
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Pengungkapan Eksposur
dan Penerapan Manajemen Risiko
Disclosure of Exposures and
Implementation of Risk Management
RISIKO KREDIT CREDIT RISK
Risiko kredit adalah kegagalan pihak lain dalam memenuhi Credit risk is the failure of other parties to fulfill their obligations
kewajibannya kepada Bank, termasuk risiko kredit akibat to the Bank, including credit risk due to debtor failure, credit
kegagalan debitur, risiko konsentrasi kredit, counterparty concentration risk, counterparty credit risk, settlement risk
credit risk, settlement risk dan Country Risk. Eksposur risiko and country risk. Most of the credit risk exposure arises from
kredit ini sebagian besar timbul dari berbagai aktivitas fungsional various banking functional activities such as lending activities,
perbankan seperti aktivitas perkreditan, aktivitas tresuri, serta treasury activities, and trade finance. The Bank has developed
trade finance. Bank telah menyusun kebijakan dan pedoman credit policies and guidelines to guide the management of
perkreditan sebagai petunjuk pengelolaan risiko kredit yang credit risk, which includes credit application and approval,
meliputi pengajuan dan persetujuan kredit, pemantauan exposure monitoring, non-performing loan monitoring and
eksposur, pemantauan kredit bermasalah dan manajemen portfolio management. The policies are periodically refined
portofolio. Kebijakan tersebut disempurnakan secara berkala in accordance with the development of the Bank's business
sesuai dengan perkembangan usaha Bank serta perubahan and changes in regulatory authorities.
peraturan otoritas.
Dalam melakukan pengendalian risiko kredit secara komprehensif, In conducting comprehensive credit risk control, the Bank
Bank melibatkan unit-unit kerja terkait seperti : involves related work units such as:
• Divisi Bisnis merupakan unit yang melakukan aktivitas • The Business Division is a unit that carries out lending
penyaluran kredit termasuk analisis terhadap kelayakan activities including analysis of customer business
usaha nasabah; feasibility;
• Divisi Credit Review merupakan unit yang melakukan • The Credit Review Division is a unit that analyzes credit
analisis terhadap pengajuan kredit dari Divisi Bisnis applications from the Business Division and provides
serta memberikan opini independen kepada Komite an independent opinion to the Credit Committee
Kredit mengenai kelayakan usaha nasabah; regarding the feasibility of the customer's business;
• Komite Kredit merupakan pemutus atas usulan kredit • The Credit Committee is the decision maker for credit
yang diajukan oleh unit bisnis, keputusan ditetapkan proposals submitted by business units, the decision
dalam forum rapat Komite Kredit dengan memperhatikan is made in the Credit Committee meeting forum by
opini dari Credit Review, Legal Corporate, Appraisal taking into account opinions from Credit Review, Legal
dan Admin Kredit. Adapun kredit kepada pihak terkait Corporate, Appraisal and Credit Admin. Credit to
harus mendapatkan persetujuan dari Dewan Komisaris related parties must be approved by the Board of
sebagai bagian dari fungsi pengawasan; Commissioners as part of the supervisory function;
• Satuan Kerja Manajemen Risiko dan Satuan Kerja • The Risk Management Unit and Compliance Unit are
Kepatuhan merupakan unit independen yang memantau independent units that monitor credit risk bank-wide,
risiko kredit secara bank-wide, dalam kaitanya dengan in relation to credit risk monitoring in the Risk
pemantauan risiko kredit pada Satuan Kerja Manajemen Management Unit there are two units that play a role
Rsiiko terdapat dua unit yang berperan dalam proses in the credit risk control process, namely the Credit
pengendalian risiko kredit yakni bagian Credit Model Model and Portfolio Management section which is
dan Portfolio Management yang bertugas untuk tasked with monitoring the Bank's credit portfolio and
melakukan monitoring portfolio kredit Bank serta developing credit risk models and Credit Risk Control
pengembangan model risiko kredit dan Credit Risk is tasked with monitoring credit covernant and debtor
Control bertugas untuk memonitor covernant kredit credit collectibility.
serta kolektibilitas kredit debitur.
• Divisi Special Asset Management (SAM) merupakan • The Special Asset Management (SAM) Division is a
unit yang melakukan pemantauan intensif terhadap unit that conducts intensive monitoring of loan portfolios
portofolio kredit yang mulai menunjukkan penurunan that begin to show deterioration in credit quality,
kualitas kredit, bertanggung jawab dalam penyelesaian responsible for the completion of the collateral takeover
proses pengambilalihan agunan maupun litigasi; process and litigation;
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Langkah-langkah yang diambil Bank untuk pengelolaan risiko Steps taken by the Bank to manage credit risk through :
kredit melalui :
• Penetapan kebijakan dan prosedur perkreditan meliputi • Credit policies and procedures include credit application
pengajuan dan persetujuan kredit, pemantauan and approval, exposure monitoring, non-performing
eksposur, pengelolaan kredit bermasalah serta loan management and portfolio management. These
manajemen portofolio. Kebijakan dan prosedur tersebut policies and procedures are periodically refined in
disempurnakan secara berkala sesuai dengan accordance with the development of the Bank's business
perkembangan usaha Bank maupun perubahan and changes in authority regulations.
peraturan otoritas.
• Dalam hal penyaluran Kredit khususnya pada segmen • In terms of lending, especially in the Corporate and
Korporasi dan Komersial, Bank memiliki target pasar Commercial segments, the Bank has certain target
atau sektor tertentu untuk diprioritaskan yang terkandung markets or sectors to prioritize which are contained
dalam Loan Portfolio Guideline. Selain itu Bank juga in the Loan Portfolio Guideline. In addition, the Bank
mulai menggunakan Credit Risk Rating di tahap awal has also started to use Credit Risk Rating at an early
sebagai pertimbangan tambahan dalam memutuskan stage as an additional consideration in deciding credit.
kredit.
• Melakukan pemantauan terhadap kualitas kredit debitur • Monitoring the credit quality of debtors on a regular
secara berkala agar kualitas kredit dapat terjaga baik. basis so that credit quality can be maintained properly.
Dalam hal mencegah maupun meminimalkan jumlah In terms of preventing and minimizing the number of
kredit bermasalah Bank melakukan pemantauan intensif non-performing loans, the Bank conducts intensive
secara lebih awal melalui Early Alert Monitoring, dan monitoring early through Early Alert Monitoring, and
dalam pengelolaan kredit bermasalah Bank melakukan in managing non-performing loans, the Bank conducts
penagihan secara intensif terhadap debitur yang gagal intensive collection of debtors who default or cannot
bayar atau tidak dapat memenuhi kewajibannya kepada fulfill their obligations to the Bank, establishes adequate
Bank, pembentukan pencadangan secara memadai, reserves, conducts credit rescue to resolve credit
melakukan penyelamatan kredit hingga menyelesaikan problems through legal channels or takeover of debtor
permasalahan kredit melalui jalur hukum maupun collateral.
pengambil alihan agunan debitur.
• Adanya ketetapan pemenuhan atas persyaratan • There are provisions for the fulfillment of the requirements
pengajuan kredit, pengikatan kredit dan agunan serta for credit applications, credit and collateral binding
pelaksanaan prescreening yang dilaksanakan agar and the implementation of prescreening carried out
potensi risiko kredit Bank dapat diminimalkan. so that the Bank's potential credit risk can be minimized.
• Pemantauan dan evaluasi atas penyebaran portofolio • Monitoring and evaluation of the distribution of the
kredit, meliputi pemantauan terhadap loan portfolio loan portfolio, including monitoring of the overall loan
secara keseluruhan, eksposur terhadap sektor ekonomi portfolio, exposure to economic sectors and large
dan debitur besar (large exposure). Setiap perkembangan debtors (large exposure). Any developments that may
yang dapat mempengaruhi portofolio kredit Bank affect the Bank's loan portfolio are monitored so that
dipantau sehingga dapat diambil tindakan pencegahan precautions can be taken and steps taken to mitigate
serta dilakukan langkah-langkah untuk memitigasi future risks.
risiko ke depan.
Tagihan yang Mengalami Penurunan Impaired Receivables and Provision for
Nilai dan Pembentukan Cadangan Impairment Losses
Kerugian Penurunan Nilai
Bank melakukan evaluasi terhadap apakah terdapat bukti The Bank evaluates whether there is objective evidence of
obyektif penurunan nilai aset keuangan atau kelompok aset impairment of a financial asset or group of financial assets
keuangan sebagai akibat dari satu atau lebih peristiwa yang as a result of one or more adverse events that have occurred
merugikan telah terjadi setelah pengakuan awal aset dan after the initial recognition of the asset and that affect the
berdampak pada arus kas masa datang aset keuangan yang future cash flows of the financial asset that can be reliably
dapat diestimasi secara handal. Evaluasi tersebut dilakukan estimated. The evaluation is performed periodically at each
secara berkala pada setiap tanggal laporan posisi keuangan. statement of financial position date.
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Kriteria yang digunakan Bank untuk menentukan bukti obyektif The criteria used by the Bank to determine objective evidence
penurunan nilai adalah adanya kesulitan keuangan signifikan of impairment are the existence of significant financial difficulties
yang dialami pada entitas asosiasi atau pihak peminjam, experienced by the associate or borrower, breach of contract,
pelanggaran kontrak, seperti restrukturisasi, gagal bayar atau such as restructuring, default or delinquency event and the
peristiwa tunggakan dan terjadi kemungkinan bahwa pihak likelihood that the borrower will enter bankruptcy or other
peminjam akan dinyatakan pailit atau melakukan reorganisasi financial reorganization.
keuangan lainnya.
Bank melakukan peninjauan/monitoring terhadap debitur The Bank conducts a review/monitoring of debtors who have
yang memiliki indikasi penurunan kualitas kredit melalui forum indications of deteriorating credit quality through the Early
Early Alert Metting. Upaya yang dilakukan Bank terhadap Alert Meeting forum. Efforts made by the Bank for debtors
debitur yang memiliki indikasi penurunan kualitas kredit atau who have indications of deteriorating credit quality or problem
debitur bermasalah namun masih mempunyai prospek serta debtors but still have prospects and the ability to pay are
kemampuan membayar adalah restrukturisasi kredit. Upaya credit restructuring. Restructuring efforts can be carried out,
restrukturisasi dapat dilakukan antara lain : among others:
- Penurunan suku bunga. - Interest rate reduction.
- Perpanjangan jangka waktu. - Extension of time period.
- Pengurangan tunggakan pokok atau bunga. - Reduction of principal or interest arrears.
- Penambahan fasilitas kredit. - Additional credit facilities.
- Dll. - Etc.
Restrukturisasi tidak lagi dikategorikan aset yang direstrukturisasi Restructuring is no longer categorized as a restructured asset
apabila periode restrukturisasi sudah selesai if the restructuring period has been completed.
Perhitungan kerugian kredit Individualized calculation of expected
ekspektasian secara individual untuk credit losses for deteriorating financial
asset keuangan yang memburuk. assets.
Kerugian kredit ekspektasian secara individual digunakan Individual expected credit losses are used to account for
untuk memperhitungkan asset keuangan yang memburuk credit impaired assets. Meanwhile, the allowance for impairment
(credit impaired asset). Sedangkan Penyisihan kerugian losses on individually assessed impaired loans is determined
penurunan nilai atas kredit yang dinilai secara individual as a result of the realization of collateral held by the Bank.
mengalami penurunan nilai ditentukan hasil dari realisasi Loans that have been impaired are recorded based on the
agunan yang dimiliki oleh Bank. Kredit yang telah mengalami discounted amount. the method used to calculate expected
penurunan nilai dicatat berdasarkan jumlah yang didiskonto. credit losses for assets in the stage 3 category is the Discounted
metode yang digunakan untuk menghitung kerugian kredit Cash Flow method.
ekspektasian untuk aset pada kategori stage 3 adalah dengan
menggunakan metode Discounted Cash Flow.
Untuk rekening kredit yang tidak mengalami penurunan nilai For loan accounts that are not individually impaired, they are
kredit secara individual, termasuk dalam kelompok kredit included in a group of loans with similar risk characteristics
yang diberikan dengan karakteristik risiko yang sama dan and are assessed collectively based on economic sector
dinilai secara kolektif berdasarkan sektor ekonomi menggunakan using an internal model developed by the Bank. For financial
model internal yang dikembangkan oleh Bank. Terhadap aset assets that are significant and there is objective evidence of
keuangan yang signifikan dan terdapat bukti obyektif penurunan impairment, namely experiencing collectibility 3 or arrears in
nilai yaitu mengalami kolektibilitas 3 atau tunggakan pembayaran principal and/or interest payments of more than 90 (ninety)
pokok dan/atau bunga lebih dari 90 (sembilan puluh) hari days, individual impaired will be formed.
maka akan dibentuk CKPN individual.
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Kredit yang pembayaran angsuran pokok atau bunganya telah Loans for which payments of principal or interest are 90
lewat 90 (sembilan puluh) hari atau melewati periode jatuh (ninety) days past due or past due, or for which timely payments
tempo, atau kredit yang pembayarannya secara tepat waktu are substandard, are generally classified as impaired. Financial
kurang lancar, secara umum diklasifikasikan sebagai kredit assets that are individually impaired, for which an impairment
yang mengalami penurunan nilai (impairment). Aset keuangan loss has been recognized or continues to be recognized, are
yang penurunan nilainya dilakukan secara individual, dan untuk not included in a collective impairment assessment.
itu kerugian penurunan nilai telah diakui atau tetap diakui, tidak
termasuk dalam penilaian penurunan nilai secara kolektif.
Bank menggunakan perhitungan untuk mengukur cadangan The Bank uses a calculation to measure the allowance for
kerugian penurunan nilai secara individual dengan metode impairment losses individually using the discounted cash
diskonto arus kas (discounted cash flows). Sedangkan cadangan flows method. While the allowance for impairment losses
kerugian penurunan nilai secara kolektif dihitung dengan collectively is calculated using statistical methods from historical
menggunakan metode statistik dari data historis berupa data in the form of probability of default in the past, the time
probability of default di masa lalu, waktu pengembalian dan of return and the amount of losses incurred (Loss Given
jumlah kerugian yang terjadi (Loss Given Default) yang selanjutnya Default) which is further adjusted by management considerations
disesuaikan lagi dengan pertimbangan manajemen terkait related to current economic and credit conditions. The Bank
kondisi ekonomi dan kredit saat ini. Bank menggunakan statistical uses statistical model analysis method, namely migration
model analysis method, yaitu migration analysis method untuk analysis method to assess impairment of financial assets
menilai penurunan nilai aset keuangan secara kolektif. collectively.
Cadangan kerugian diakui sebesar kerugian kredit ekspektasian Provision for losses is recognized to the extent of 12-month
12 bulan atau kerugian kredit ekspektasian sepanjang jangka expected credit losses or expected credit losses over the
waktu atau tenor aset keuangan. Kerugian kredit ekspektasian term or tenor of the financial asset. Expected credit loss over
sepanjang jangka waktu atau tenor adalah kerugian kredit the term or tenor is the expected credit loss resulting from all
ekspektasian yang berasal dari semua kemungkinan kejadian possible events of default during the expected credit term
gagal bayar selama jangka waktu atau tenor kredit ekspektasian or tenor of a financial instrument, while 12-month expected
suatu instrumen keuangan, sedangkan kerugian kredit ekspektasian credit loss is the portion of expected credit loss resulting from
12 bulan adalah porsi dari kerugian kredit ekspektasian yang possible events of default within 12 months after the reporting
berasal dari kemungkinan kejadian gagal bayar dalam 12 bulan date. The Bank uses a statistical model using probability of
setelah tanggal pelaporan. Bank menggunakan model statistik default ("PD"), loss given default ("LGD") and exposure at
dengan menggunakan matriks probability of default (“PD”), loss default ("EAD") matrices, discounted at the effective interest
given default (“LGD”) dan exposure at default (“EAD”), yang rate.
didiskontokan menggunakan suku bunga efektif.
Probability of Default adalah Probabilitas yang timbul di suatu Probability of Default is the probability that arises at a time
waktu dimana debitur mengalami gagal bayar. Terdapat 2 when the debtor defaults. There are 2 (two) types of PD used
(dua) Jenis PD yang digunakan untuk menghitung CKPN kredit to calculate credit CKPN, namely
yaitu,
- PD 12 bulan yaitu estimasi probabilitas gagal bayar - The 12-month PD is the estimated probability of default
dalam waktu 12 bulan kedepan. PD ini selanjutnya within the next 12 months. This PD will then be used
akan digunakan untuk menghitung kerugian kredit to calculate the 12-month expected credit loss (stage
ekspektasian 12 bulan (stage 1) 1).
- PD sepanjang jangka waktu atau tenor kredit (life time) - PD over the life time is the estimated probability of
yaitu estimasi probabilitas gagal bayar yang terjadi default that occurs until the end of the term or tenor
hingga akhir jangka waktu atau tenor instrument of the financial instrument. This PD is used to calculate
keuangan. PD ini digunakan untuk menghitung kerugian the expected credit loss over the life of the instrument
kredit ekspektasian sepanjang umur (stage 2) (stage 2).
Loss given default merupakan besarnya tingkat kerugian yang Loss given default represents the level of loss expected to
diperkirakan akan timbul akibat kegagalan debitur memenuhi be incurred due to the failure of a borrower to fulfill its obligations
kewajiban kepada Bank, dimana hal ini mewakili perbedaan to the Bank, which represents the difference between the
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antara arus kas kontraktual yang akan jatuh tempo dengan contractual cash flows that are due and the cash flows that
arus kas yang diharapkan untuk diterima. Bank mengestimasikan are expected to be received. The Bank estimates LGD based
LGD berdasarkan data historis dari tingkat pemulihan dan on historical data of recovery rates and takes into account
memperhitungkan pemulihan yang berasal dari jaminan recoveries derived from collateral against financial assets by
terhadap aset keuangan dengan mempertimbangkan asumsi considering future economic assumptions where relevant.
ekonomi di masa depan jika relevan.
Exposure at default adalah Perkiraan nilai eksposur neraca Exposure at default is an estimate of the value of the balance
pada saat gagal bayar dengan mempertimbangkan bahwa sheet exposure at the time of default taking into account that
perubahan ekspektasi yang diharapkan selama masa eksposur. changes in expectations are expected over the life of the
Hal ini menggabungkan dampak penarikan fasilitas yang exposure. It incorporates the impact of facility drawdowns
committed pembayaran pokok dan bunga, amortisasi dan committed to principal and interest payments, amortization
pembayaran dipercepat, bersama dengan dampak asumsi and prepayments, along with the impact of future macroeconomic
makro ekonomi masa depan jika relevan. assumptions where relevant.
Adapun Penggunaan faktor-faktor ekonomi makro yang The use of macroeconomic factors that include: interest rates,
mencakup antara lain : suku bunga, produk domestik bruto, gross domestic product, inflation, property prices, the exchange
inflasi, harga properti, kurs rupiah terhadap USD, pengangguran, rate of the rupiah against the USD, unemployment, fuel prices
harga BBM dan dengan perkiraan arah siklus ekonomi. Selain and the expected direction of the economic cycle. In addition,
itu dilengkapi juga dengan memasukkan informasi forward it is also complemented by including forward looking information
looking untuk menambah justifikasi mengenai dampak to add justification regarding the impact of changes in
perubahan pada faktor-faktor makro ekonomi akan macroeconomic factors that will affect the calculation of ECL.
mempengaruhi perhitungan ECL. Metodologi dan asumsi Methodologies and assumptions including any estimates of
termasuk setiap perkiraan kondisi ekonomi masa depan future economic conditions are reviewed periodically.
ditelaah secara berkala.
Pengungkapan tagihan bersih dan pencadangan berdasarkan Disclosures of net charge-offs and provisioning by region and
wilayah dan sektor ekonomi ditampilkan dalam Tabel 14.4 dan economic sector are shown in Tables 14.4 and 14.5. In addition,
14.5. Selain itu, Pengungkapan tambahan terkait perlakuan additional disclosures related to the treatment of non-performing
terhadap aset bermasalah ditampilkan dalam table 15 assets are shown in Table 15.
Pengukuran Risiko Kredit Dengan Credit Risk Measurement with
Pendekatan Standar Standardized Approach
Dalam melakukan perhitungan ATMR risiko Kredit Bank merujuk In calculating RWA for credit risk, the Bank refers to the Circular
Surat Edaran Otoritas Jasa Keuangan tentang perhitungan Letter of the Financial Services Authority regarding the
ATMR dengan menggunakan pendekatan Standard Bagi bank calculation of RWA using the Standardized Approach for
Umum. Perhitungan Aset Tertimbang Menurut Risiko (ATMR) Commercial Banks. The calculation of Risk Weighted Assets
untuk risiko kredit yang dilakukan merupakan pengalian antara (RWA) for credit risk is the multiplication of net charge-offs by
tagihan bersih dengan bobot risiko atas eksposur Bank. Bobot the risk weight of the Bank's exposure. The risk weight is
risiko ditetapkan berdasarkan peringkat terkini dari debitur determined based on the current rating of the debtor or
atau pihak lawan sesuai dengan kategori portofolio atau counterparty in accordance with the portfolio category or by
dengan persentase tertentu. a certain percentage.
Portofolio kelompok tagihan terdiri dari tagihan kepada The receivables portfolio consists of receivables from the
Pemerintah, entitas sektor publik, Bank, korporasi, ritel dan Government, public sector entities, banks, corporations, retail
tagihan yang telah jatuh tempo. Apabila terdapat tagihan yang and past due receivables. If there are receivables that have
memiliki peringkat, maka Bank menggunakan lembaga a rating, the Bank uses a rating agency recognized by the
pemeringkat yang diakui oleh Otoritas. Saat ini kategori Authority. Currently, the Bank's portfolio category that uses
portofolio Bank yang menggunakan peringkat adalah Tagihan ratings is receivables to Banks.
kepada Bank.
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Pengungkapan Eksposur berdasarkan kelas aset dan bobot Exposure disclosures by asset class and risk weight of the
risiko Bank ditampilkan dalam Tabel 20. Bank are shown in Table 20.
Mitigasi Risiko Kredit Credit Risk Mitigation
Dalam hal penyaluran kredit yang dilaksanakan oleh Bank, In terms of lending carried out by the Bank, it is regulated in
diatur dalam kebijakan dan prosedur perkreditan dimana credit policies and procedures where for each credit application,
untuk setiap pengajuan kredit ditentukan agunan minimal the minimum collateral that must be met is determined. The
yang harus dipenuhi. Jenis dari agunan yang diterima oleh types of collateral accepted by the Bank consist of:
Bank terdiri dari :
• Physical collateral berupa tanah, bangunan, kendaraan • Physical collateral in the form of land, buildings, motor
bermotor, mesin, persediaan, dan sebagainya; vehicles, machinery, inventory, and so on;
• Financial collateral berupa deposito dan cash margin; • Financial collateral in the form of deposits and cash
margin;
• Lainnya berupa garansi. • Others are warranties.
Selain aspek agunan untuk meminimalkan risiko kredit, In addition to the collateral aspect to minimize credit risk,
pemberian kredit oleh Bank selalu dilakukan berdasarkan lending by the Bank is always carried out based on evaluation
evaluasi dan analisa kelayakan untuk mengetahui kemampuan and feasibility analysis to determine the ability to repay credit
pengembalian kredit (first way out). Penilaian agunan dinilai (first way out). Collateral valuation is assessed by an independent
oleh penilai independent atau unit kerja Appraisal yang appraiser or Appraisal work unit that is independent of the
independent terhadap unit bisnis serta dilakukan penilaian business unit and periodic reassessment is carried out to
ulang secara berkala untuk memonitor kondisi agunan yang monitor the condition of the collateral pledged by the debtor
diagunkan debitur ke Bank to the Bank.
Pengungkapan kuantitatif terkait Teknik MRK ditampilkan Quantitative disclosures related to MRK techniques are shown
dalam table 17 sedangkan Pengungkapan eksposur risiko in table 17 while disclosures of credit risk exposure and impact
kredit dan dampak Teknik MRK ditampilkan dalam table 19. of MRK techniques are shown in table 19.
Eksposur Sekuritisasi, Transaksi Derivatif, Securitization Exposure, Derivative
Repo dan Reverse Repo Transactions, Repo and Reverse Repo
Bank tidak memiliki eksposur sekuritisasi aset, transaksi The Bank has no exposure to asset securitization, derivative
derivatif dan Repo. Posisi transaksi Reverse Repo adalah transactions and Repo. Reverse Repo transaction position is
transaksi dengan Bank Indonesia dengan underlying berupa a transaction with Bank Indonesia with Government bonds
obligasi Pemerintah. as the underlying.
Perhitungan Aset Tertimbang Menurut Calculation of Credit Risk-Weighted
Risiko Kredit Menggunakan Pendekatan Assets Using the Standardized
Standar Approach
Perhitungan Aset Tertimbang Menurut Risiko untuk risiko Calculation of Risk Weighted Assets for credit risk using the
kredit dengan menggunakan Pendekatan Standar sesuai Standardized Approach in accordance with regulatory
dengan ketentuan regulator. requirements.
RISIKO PASAR MARKET RISK
Risiko Pasar disebabkan adanya pergerakan variable pasar, Market Risk is caused by movements in market variables,
yang dapat menurunkan harga pasar, dan berpotensi merugikan which can reduce market prices, and potentially harm the
posisi portofolio Bank. Variabel Pasar dapat berupa tingkat Bank's portfolio position. Market Variables may include interest
suku bunga dan nilai tukar. rates and exchange rates.
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Risiko pasar terdapat pada aktivitas fungsional Bank seperti Market risk exists in the Bank's functional activities such as
kegiatan transaksi valuta asing, surat berharga, instrumen foreign exchange transactions, securities, money market
pasar uang, dan lain-lain. Variabel pasar yang mempengaruhi instruments, and others. Market variables that affect the
posisi Bank adalah risiko suku bunga dan risiko nilai tukar. Bank's position are interest rate risk and exchange rate risk.
- Risiko suku bunga adalah risiko akibat perubahan - Interest rate risk is the risk due to changes in the price
harga instrumen keuangan dari posisi trading book of financial instruments from trading book positions
atau akibat perubahan nilai ekonomis dari posisi banking or due to changes in the economic value of banking
book, yang disebabkan oleh perubahan suku bunga. book positions, caused by changes in interest rates.
Dalam kategori risiko suku bunga termasuk pula risiko The interest rate risk category also includes interest
suku bunga dari posisi banking book yang antara lain rate risk from banking book positions, which includes
meliputi repricing risk, yield curve risk, basis risk, dan repricing risk, yield curve risk, basis risk, and optionality
optionality risk. risk.
- Risiko nilai tukar adalah risiko akibat perubahan nilai - Exchange rate risk is the risk due to changes in the
posisi trading book dan banking book yang disebabkan value of trading book and banking book positions
oleh perubahan nilai tukar valuta asing. caused by changes in foreign exchange rates.
Bank melakukan pengelolaan risiko pasar, dengan melibatkan The Bank manages market risk by involving relevant
bagian terkait seperti : departments such as:
- Komite Aktiva Pasiva yang bertanggung jawab mengelola - The Asset and Liability Committee is responsible for
struktur neraca Bank, risiko suku bunga di banking managing the Bank's balance sheet structure, interest
book serta mengusulkan kebijakan dan strategi yang rate risk in the banking book and proposing appropriate
tepat untuk memitigasi risiko pasar terhadap policies and strategies to mitigate market risk against
perkembangan pasar maupun pergerakan tingkat suku market developments and movements in benchmark
bunga acuan; interest rates;
- Divisi Tresuri mengelola operasional transaksi harian - The Treasury Division manages daily transaction
yaitu dengan memelihara Posisi Devisa Netto (PDN), operations by maintaining the Net Open Position (NOP),
memantau tingkat pergerakan suku bunga dan nilai monitoring interest rate and exchange rate movements;
tukar;
- Satuan Kerja Manajemen Risiko melakukan pemantauan - The Risk Management Unit conducts regular monitoring
dan pengukuran risiko pasar secara berkala yang and measurement of market risk by the integrated
dilakukan oleh departemen integrated risk. risk department.
Pengelolaan Risko pasar Bank pada risko anatara lain : The Bank's market risk management on risks such as:
a. Risiko nilai tukar a. Exchange rate risk
Risiko nilai tukar timbul karena posisi keuangan dan Exchange rate risk arises from financial positions and
rekening administratif akibat transaksi mata uang asing. administrative accounts due to foreign currency
Dalam mengelola dan memitigasi risiko nilai tukar, transactions. In managing and mitigating exchange
Bank menerapkan strategi squaring position sehingga rate risk, the Bank implements a squaring position
posisi nilai tukar harus ditutup pada setiap akhir hari strategy so that exchange rate positions must be
kerja dengan batas toleransi sesuai kebijakan yang closed at the end of each business day with a tolerance
ditetapkan oleh Bank. Per 31 Desember 2024, Posisi limit according to the policy set by the Bank. As of
Devisa Netto Bank tercatat masih berada di bawah December 31, 2024, the Bank's Net Open Position
ketentuan maksimum sebesar 20%. was still below the maximum requirement of 20%.
b. Risiko suku bunga pada banking book b. Interest rate risk on the banking book
Risiko Suku Bunga dalam Banking Book atau Interest Interest Rate Risk in the Banking Book is the risk due
Rate Risk in The Banking Book, merupakan Risiko to the movement of interest rates in the market opposite
akibat pergerakan suku bunga di pasar yang berlawanan to the Banking Book position, which has the potential
dengan posisi Banking Book, yang berpotensi to impact the Bank's capital and profitability (earnings)
memberikan dampak terhadap permodalan dan both now and in the future. In relation to the management
rentabilitas (earnings) Bank baik untuk saat ini maupun of interest rate risk, the Bank periodically monitors the
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pada masa mendatang. Dalam kaitanya dalam development of interest rate risk exposure. Interest
pengelolaan risiko suku bunga tersebut secara periodik rate risk management is reflected by monitoring the
Bank melakukan pemantauan terhadap perkembangan Mark to Market and Sensitivity Analysis Bonds portfolio
paparan risiko suku bunga. Pengelolaan risiko suku and measuring interest rate risk in the Banking Book
bunga tercermin dengan kegiatan monitoring Mark to using 2 perspectives, namely economic value and
Market and Sensitivity Analysis Bonds portofolio dan earnings perspective. This aims to enable the Bank
melakukan pengukuran risiko suku bunga dalam to identify risks more accurately and conduct appropriate
Banking Book dengan menggunakan 2 perspektif follow-up.
yaitu nilai ekonomis (economic value) dan perspektif
rentabilitas (earnings). Hal tersebut bertujuan agar
Bank dapat mengidentifikasi Risiko secara lebih akurat
dan melakukan tindak lanjut yang tepat.
Bank telah melakukan pengukuran risiko pada Banking Book The Bank has conducted risk measurement in the Banking
merujuk pada Surat Edaran Otoritas Jasa Keuangan Nomor Book referring to Circular Letter of the Financial Services
12/SEOJK.03/2018 tentang Penerapan manajemen risiko dan Authority Number 12/SEOJK.03/2018 concerning Implementation
pengukuran risiko pendekatan standard untuk risiko suku of risk management and risk measurement standardized
bunga dalam Banking Book Bagi Bank Umum approach for interest rate risk in the Banking Book for Banks.
Bank melakukan perhitungan ATMR risiko pasar dengan The Bank calculates market risk RWA using the standard
menggunakan metode standard sesuai dengan ketentuan method in accordance with the provisions of the Financial
Otoritas Jasa Keuangan yang tertuang dalam Surat Edaran Services Authority as stipulated in Circular Letter of the
Otoritas Jasa Keuangan Nomor 23/SEOJK.03/2022 tentang Financial Services Authority Number 23/SEOJK.03/2022
Aset Tertimbang Menurut Risiko untuk Risiko Pasar bagi Bank. concerning Risk Weighted Assets for Market Risk for Banks.
RISIKO LIKUIDITAS LIQUIDITY RISK
Risiko likuiditas adalah risiko dikarenakan Bank dalam situasi Liquidity risk is the risk that the Bank is unable to meet its
tidak mampu memenuhi kewajiban yang jatuh tempo dari maturing obligations from cash flow funding sources and/or
sumber pendanaan arus kas dan/atau dari aset likuid berkualitas from high-quality liquid assets that can be disbursed without
tinggi yang dapat dicairkan tanpa mengganggu aktivitas dan disrupting the Bank's activities and financial condition.
kondisi keuangan Bank.
Ketidakmampuan memiliki sumber pendanaan arus kas The inability to have a cash flow funding source resulting in
sehingga menimbulkan risiko likuiditas dapat disebabkan liquidity risk can be caused by the inability to generate cash
ketidakmampuan menghasilkan arus kas yang berasal dari flows from productive assets or from the sale of assets at fair
aset produktif maupun yang berasal dari penjualan aset dengan prices which ultimately affects the profitability and capital of
harga wajar yang pada akhirnya berpengaruh kepada the Bank and the inability to generate cash flows from fund
profitabilitas dan permodalan Bank dan ketidakmampuan raising, interbank transactions, and loans received.
menghasilkan arus kas yang berasal dari penghimpunan dana,
transaksi antar Bank, dan pinjaman yang diterima.
Pengelolaan risiko likuiditas Bank dilaksanakan oleh : The Bank's liquidity risk management is carried out by :
• Komite Aktiva Pasiva yang melakukan evaluasi terhadap • The Asset and Liability Committee evaluates the Bank's
aset dan liabilitas Bank yang sensitif terhadap perubahan assets and liabilities that are sensitive to changes in
suku bunga, menetapkan tingkat suku bunga sesuai interest rates, sets interest rates in accordance with
dengan kondisi Bank, serta mengelola portofolio the Bank's conditions, and manages the funding
pendanaan untuk menghindari ketergantungan pada portfolio to avoid dependence on certain funding
sumber pendanaan tertentu; sources;
• Divisi Tresuri melakukan pengelolaan likuiditas secara • The Treasury Division manages liquidity on a daily
harian dengan memantau pemenuhan giro wajib basis by monitoring the fulfillment of minimum reserve
minimum, mengelola secondary reserves serta requirements, managing secondary reserves and
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menyusun proyeksi arus kas secara kontraktual maupun preparing contractual and behavioral cash flow
behavioral; projections;
• Satuan Kerja Manajemen Risiko lewat unit kerja • The Risk Management Unit through the integrated
integrated risk melakukan pemantauan dan pengukuran risk unit monitors and measures liquidity risk.
risiko likuiditas.
Bank melakukan proses pemantauan likuiditas secara berkala The Bank conducts a regular liquidity monitoring process by
dengan memperhatikan indikator indikator antara lain : Liquid taking into account indicators such as: Liquid Coverage Ratio
Coverage Ratio (LCR), Net Stable Funding Ratio (NSFR), asset (LCR), Net Stable Funding Ratio (NSFR), liquid assets to
likuid terhadap NonCore Deposit, asset likuid terhadap Dana NonCore Deposit, liquid assets to third party funds
pihak ketiga Rasio Intermediasi Makroprudensial (RIM) serta Macroprudential Intermediation Ratio (RIM) and other liquidity
rasio – rasio likuiditas lainnya. Bank melakukan improvement ratios. The Bank makes improvements in stress tests using
dalam stress test dengan menggunakan scenario Bank Specific Bank Specific Crisis and General Market Crisis stress testing
Crisis dan General Market Crisis stress testing untuk mengetahui scenarios to determine the adequacy of liquid assets owned
kecukupan asset likuid yang dimiliki Bank untuk memenuhi by the Bank to meet liquidity needs if the Bank is in a crisis
kebutuhan likuiditas jika Bank dalam kondisi krisis condition.
Pada kaitan proses pengendalian risiko likuiditas Bank telah In relation to the liquidity risk control process, the Bank has
mengupayakan : made efforts:
- Penetapan risk appetite dan risk tolerance serta limit- - Determination of risk appetite and risk tolerance as
limit dalam ketentuan internal yang telah ditetapkan well as limits in the established internal provisions
- Inisiasi stress testing likuiditas secara berkala yang - Initiation of regular liquidity stress testing to determine
bertujuan mengetahui dampak perubahan pasar dan the impact of market changes and internal changes
perubahan internal terhadap kondisi likuiditas Bank on the Bank's liquidity condition.
- Melakukan pembuatan recovery plan dan contingency - Developed recovery plan and contingency funding
funding plan dalam rangka mengantisipasi kondisi plan in anticipation of extreme liquidity conditions
likuiditas yang mengalami penurunan ekstrem
- Melakukan monitoring terhadap indikator ekstenal - Monitoring external indicators in order to be aware of
dalam rangka mewaspadai kondisi ekonomi yang worsening economic conditions both due to a declining
memburuk baik karena ekonomi global yang menurun global economy and a slowing domestic economy.
maupun ekonomi domestik yang melambat
Kondisi Likuiditas Bank yang tercermin dari Rasio Liquidity The Bank's liquidity condition as reflected in the Liquidity
Coverage Ratio, Net Stable Funding Ratio dan Rasio Intermediasi Coverage Ratio, Net Stable Funding Ratio and Macroprudential
Makroprudensial (RIM) terjaga diatas ketentuan minimum yang Intermediation Ratio (RIM) is maintained above the minimum
telah ditetapkan regulator perbankan. Bank melakukan requirements set by the banking regulator. The Bank conducts
pemantauan harian terhadap kondisi likuiditas dengan daily monitoring of liquidity conditions by paying attention to
memperhatikan indikator peringatan dini untuk mengetahui early warning indicators to identify potential increases in
potensi peningkatan risiko likuiditas. Indikator peringatan dini liquidity risk. Early warning indicators consist of internal
terdiri atas indikator internal dan indikator eksternal. indicators and external indicators.
RISIKO OPERASIONAL OPERATIONAL RISK
Risiko operasional adalah risiko yang disebabkan oleh kegagalan Operational risk is the risk caused by the failure or inadequacy
atau tidak memadainya proses internal, kesalahan manusia, of internal processes, human error, system failure or external
kegagalan sistem atau adanya kejadian eksternal yang events that have an impact on the Bank's operational activities.
berdampak pada kegiatan operasional Bank. Risiko operasional Operational risk may arise from internal processes, systems
dimungkinkan timbul dari proses internal, sistem dan and infrastructure, human resources. The existence of
infrastruktur, sumber daya manusia. Adanya kejadian risiko operational risk events has the potential to result in both
operasional berpotensi mengakibatkan kerugian baik finansial financial and non-financial losses that can have an impact
maupun non finansial yang dapat berdampak pada kinerja on the Bank's performance or reputation, disruption of
atau reputasi Bank, terganggunya hubungan dengan nasabah relationships with customers and loss of business opportunities.
maupun hilangnya peluang bisnis.
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Risk Management
Dalam rangka implementasi Manajemen Risiko Operasional In order to implementation Operational Risk Management,
Bank memiliki kerangka Manajemen Risiko Operasional, yang the Bank has an Operational Risk Management framework,
terdiri atas bebrapa komponen yakni : which consists of several components, namely:
- Tata Kelola (Governance) - Governance
- Kebijakan dan Prosedur Manajemen Risiko Operasional - Operational Risk Management Policies and Procedures
- Metodology dan perangkat Manajemen Risiko - Operational Risk Management methodology and tools
Operasional
- Budaya dan Kesadaran risiko - Risk Culture and Awareness
Keseluruhan elemen kerangka manajemen risiko telah efektif All elements of the risk management framework have been
baik keberadaanya maupun implementasinya sehingga dapat effective both in their existence and implementation so as to
membantu Bank melindungi dari kerugian akibat insident help the Bank protect against losses due to operational risk
risiko operasional. incidents.
Organisasi pengelolaan risiko operasional Bank tercermin The Bank's operational risk management organization is
dalam unsur Tata Kelola pada kerangka manajemen risiko reflected in the Governance element of the operational risk
operasional. Tata Kelola mengatur Direksi dan Komisaris management framework. Governance regulates the Board
melakukan pengawasan dalam implementasi manajemen of Directors and Commissioners to supervise the implementation
risiko operasional. Kewenangan Direksi diantaranya menetapkan, of operational risk management. The authority of the Board
menyetujui dan meninjau secara berkala kerangka risiko of Directors includes establishing, approving and periodically
operasional, menetapkan kebijakan reward termasuk remunerasi reviewing the operational risk framework, establishing reward
dan punishment yang efektif yang terintegrasi dalam sistem policies including effective remuneration and punishment
penilaian kinerja dalam rangka mendukung pelaksanaan that are integrated in the performance appraisal system in
Manajemen Risiko yang optimal dan Direksi Bank menciptakan order to support the optimal implementation of Risk Management
kultur pengungkapan secara objektif atas risiko operasional and the Bank's Board of Directors creates a culture of objective
pada seluruh elemen organisasi serta memastikan bahwa disclosure of operational risk in all elements of the organization
risiko operasional telah dikelola secara memadai dan efektif. and ensures that operational risk has been managed adequately
Adapun kewenangan Komisaris Bank untuk memastikan and effectively. The authority of the Bank's Commissioners
bahwa kebijakan remunerasi Bank sesuai dengan strategi to ensure that the Bank's remuneration policy is in accordance
Manajemen Risiko Bank with the Bank's Risk Management strategy.
Direksi dan Komisaris dalam melakukan fungsi pengawasan The Board of Directors and Commissioners in performing
(oversight) didukung oleh Operational Risk Committee (ORC). their oversight function are supported by the Operational Risk
ORC secara umum befungsi untuk membantu Direksi dan Committee (ORC). ORC generally serves to assist the Board
Komisaris dalam rangka memastikan penerapan manajemen of Directors and Commissioners in order to ensure the
risiko operasional berjalan dengan efektif dan komprehensif implementation of operational risk management runs effectively
di Bank dalam mendukung strategi Bank dan memberikan and comprehensively in the Bank in supporting the Bank's
pengawasan terhadap risiko keamanan teknologi Informasi. strategy and provides oversight of Information technology
Hirarki selanjutnya dalam pengelolaan risiko operasional security risks. The next hierarchy in operational risk management
adalah lini pertama yang melakukan pengelolaan aktifitas is the first line that manages daily operational activities
operasional harian yang terdiri atas 2 fungsi yakni fungsi yang consisting of 2 functions, namely functions that carry out daily
menjalankan proses manajemen risiko sehari – hari serta risk management processes and report operational risk issues
melaporkan permasalahan risiko operasional secara dan and support functions for daily risk management processes
fungsi pendukung atas proses manajemen risiko sehari hari with the aim of ensuring operational risk and its controls are
dengan tujuan memastikan risiko operasional beserta kontrolnya well managed. The second line is the organizational level
dikelola dengan baik. Lini kedua merupakan jenjang organisasi that establishes operational risk management policies and
yang melakukan pembentukan kebijakan pengelolaan risiko establishes an operational risk management framework and
operasional dan menetapkan kerangka pengelolaan risiko implements practices that are relevant to the Bank's conditions
operasional dan mengimplementasikan praktek yang relevan in identifying, assessing and mitigating operational risks. The
dengan kondisi Bank dalam melakukan identifikasi, penilaian Third Line is the function that reviews the implementation of
dan mitigasi risiko operasional. Lini Ketiga merupakan fungsi operational risk management, the adequacy of risk controls
yang melakukan review atas pelaksanaan pengelolaan risiko and the overall effectiveness of the Bank's operational policies
operasional, kecukupan kontrol risiko dan efektifitas kebiakan and procedures.
dan prosedur operasional Bank secara keseluruhan.
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Kebijakan dan prosedur berfungsi untuk mendukung Implementsi Policies and procedures serve to support the implementation
kerangka kerja risiko opersional. Kebijakan dan/prosedur of the operational risk framework. Policies and/procedures
terkait Implementsi kerangka kerja risiko operasional diantaranya related to the implementation of the operational risk framework
Risk Control Self Asessment, Key Risk Indicator, pengelolaan include Risk Control Self-Assessment, Key Risk Indicator,
kejadian risiko operasional dan Business Contuinity operational risk event management and Business Contuinity
Mananagement. Dengan adanya Kebijakan dan prosedur Management. With the existence of policies and procedures,
maka hal tersebut menjadi panduan bagi seluruh organ bank it becomes a guide for all bank organs in managing operational
dalam mengelola risiko operasional secara terukur dan risk in a measurable and integrated manner.
terintegrasi.
Bank memiliki serangkaian methodology dan perangkat The Bank has a series of methodologies and operational risk
manajemen risiko operasional dalam mendukung pengelolaan management tools to support risk management, the
risiko, methodology dan perangkat manajemen risiko methodologies and operational risk management tools used
operasional yang digunakan antara lain : include:
1. Risk Control Self-Assessment (RSCA) 1. Risk Control Self-Assessment (RSCA)
RCSA (Risk and Control Self – Assessment) adalah metode RCSA (Risk and Control Self - Assessment) is an empowering
atau proses pemberdayaan dimana manajemen dan staf method or process by which management and staff of all
dari semua tingkatan secara kolektif mengidentifikasi dan levels collectively identify and evaluate risks and controls.
mengevaluasi risiko dan kontrol. Keterlibatan Process The involvement of Process Owner and / Risk Manager
Owner dan / Risk Manager dalam merancang dan in designing and maintaining risk control systems, identifying
memelihara system pengendalian risiko, mengidentifikasi risk exposures and determining collective actions will add
eksposur risiko dan menentukan tindakan kolektif akan value in the RCSA process itself.
menambah nilai dalam proses RCSA itu sendiri.
2. Key Risk indicator (KRI) 2. Key Risk indicator (KRI)
KRI merupakan salah salah satu perangkat manajemen KRI is one of the quantitative operational risk management
risiko operasional bersifat kuantitatif yang menggunakan tools that uses the method of setting with certain thresholds
metode menetapkan parameter - parameter dengan in business processes/activities that are assumed to be
ambang batas tertentu dalam proses bisnis/ aktivitas yang predictive in monitoring the level/trend of the risk profile
diasumsikan prediktif dalam memantau tingkat / tren profil in the process. KRI functions as a risk level/trend monitoring,
risiko dalam proses tersebut. KRI memiliki fungsi sebagai an early warning signal for changes/trends in risk levels
pemantauan tingkat/ tren risiko, sinyal peringatan dini over time and as an early analysis signal.
(early warning signal) terhadap perubahan/ tren tingkat
risiko dari waktu ke waktu dan sebagai sinyal analisis awal.
3. Operational Risk Event (ORE) database 3. Operational Risk Event (ORE)
Kertas kerja yang digunakan IRM yang berisi seluruh kejadian Working papers used by IRM that contain all operational
risiko operasional sebagai alat bantu untuk memonitoring risk events as a tool to monitor the management of
pengelolaan kejadian risiko operasional termasuk operational risk events including the completion of action
penyelesaian atas action plan dan tindakan mitigasi . plans and mitigation actions.
Kerangka management risiko operasional selanjutnya adalah The next operational risk management framework is culture
budaya dan kesadaran risiko. Peran budaya dan kesadaran and risk awareness. The role of culture and risk awareness
risiko diperlukan untuk mendukung kerangka kerja risiko is necessary to support a healthy operational risk framework.
operasional yang sehat. Perusahaan yang memiliki budaya dan Companies that have a high risk culture and awareness have
kesadaran risiko yang tinggi memiliki kemampuan untuk the ability to find and identify threats that can disrupt business
menemukan dan mengidentifikasi ancaman yang dapat and activities at both the employee and management levels,
mengganggu bisnis dan aktivitas baik di level karyawan maupun and have clear escalation paths. With a good risk culture and
manajemen, serta memiliki jalur eskalasi yang jelas. Dengan awareness, management has the ability to determine the root
budaya dan kesadaran risiko yang baik, manajemen memiliki of the problem and the action plan that needs to be done
kemampuan untuk menentukan akar masalah dan action plan both long term and short term so that the threat does not
yang perlu dilakukan baik jangka panjang dan jangka pendek recur.
supaya ancaman tersebut tidak terulang kembali.
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Manajemen Risiko
Risk Management
Dengan adanya pengelolaan risiko operasional yang memadai With adequate operational risk management, the four-eyes
maka fungsi-empat-mata (four eyes pinciple) dan mekanisme pinciple and check and balances mechanism can be
check and balances dapat dilaksanakan pada setiap aktivitas implemented in every activity, operational risk control is
operasional, Pengendalian risiko operasional dilakukan secara carried out adequately in all operational activities and is in
memadai pada seluruh aktivitas operasional serta telah sesuai accordance with applicable procedures and also ensures
dengan prosedur yang berlaku dan memastikan pula risiko that operational risks are managed effectively and mitigation
operasional dikelola secara efektif dan telah dilakukan mitigasi has been carried out to minimize losses incurred through
untuk meminimalisasi kerugian yang ditimbulkan melalui anticipatory and preventive steps.
langkah antisipatif dan preventif.
Pengungkapan kuantitatif risiko operasional Bank ditampilkan The quantitative disclosure of the Bank's operational risk is
dalam Tabel 38. shown in Table 38.
RISIKO HUKUM LEGAL RISKS
Risiko Hukum merupakan risiko yang timbul akibat tuntutan Legal Risk is a risk arising from lawsuits and/or weaknesses
hukum dan/atau kelemahan aspek yuridis. Sumber dari risiko in juridical aspects. The source of legal risk is caused, among
hukum disebabkan antara lain karena kelemahan aspek yuridis others, by weaknesses in juridical aspects caused by weak
yang disebabkan oleh lemahnya perikatan yang dilakukan, agreements, the absence and / or changes in laws and
ketiadaan dan/atau perubahan peraturan perundang-undangan regulations that cause a banking activity that has been carried
yang menyebabkan suatu aktifitas perbankan yang telah out to be incompatible with statutory provisions and litigation
dilakukan menjadi tidak sesuai dengan ketentuan perundang processes experienced due to third party claims against the
– undangan dan proses litigasi yang dialami karena ditimbulkan Bank or vice versa. The main objective of legal risk management
oleh gugatan pihak ketiga terhadap Bank maupun sebaliknya. is to ensure that the risk management process can minimize
Tujuan utama yang dilakukan pengelolaan manajemen risiko the possibility of negative impacts from weaknesses in juridical
hukum adalah memastikan bahwa proses manajemen risiko aspects, absence, and changes in laws and regulations and
dapat meminimalkan kemungkinan dampak negatif dari litigation processes. The identification of legal risk is carried
kelemahan aspek yuridis, ketiadaan, dan perubahan peraturan out on all functional activities attached to lending, funding,
perundang-undangan dan proses litigasi. Identifikasi risiko treasury, operations, information technology systems and
hukum dilakukan pada seluruh aktivitas fungsional yang melekat human resource management.
pada perkreditan, pendanaan, treasury, operasional, sistem
informasi teknologi dan pengelolaan sumber daya manusia.
Bank memiliki Divisi Legal Corporate dan Unit Special Asset The Bank has a Corporate Legal Division and Special Asset
Management (SAM) melaksanakan pengendalian risiko hukum Management (SAM) Unit to implement legal risk control where
dimana Divisi Legal Corporate bertindak sebagai “legal the Corporate Legal Division acts as a "legal advisor", providing
advisor” yaitu memberikan opini dari sudut pandang hukum. opinions from a legal perspective. Legal risk management is
Pengelolaan manajemen risiko hukum dilakukan antara lain carried out among others by reviewing legal documents,
dengan melakukan kajian terhadap dokumen hukum, perjanjian agreements and contracts between the Bank and third parties,
dan kontrak antara Bank dan pihak ketiga, melakukan kajian conducting legal reviews of new products and activities, as
hukum terhadap produk dan aktivitas baru, maupun penambahan well as adding or changing product and service features,
atau perubahan fitur produk dan layanan, melakukan monitoring the settlement of litigation cases, providing legal
pemantauan terhadap penyelesaian kasus-kasus litigasi, information and knowledge to relevant units and establishing
memberikan informasi dan pengetahuan hukum kepada unit- policies and procedures related to legal risk management.
unit yang relevan serta menetapkan kebijakan dan prosedur The Special Asset Management (SAM) Unit handles and
terkait dengan manajemen risiko hukum. Adapun Unit Special resolves non-performing loans.
Asset Management (SAM) melakukan penanganan dan
penyelesaian terhadap kredit bermasalah.
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RISIKO REPUTASI REPUTATION RISK
Risiko reputasi adalah risiko akibat menurunnya tingkat Reputation risk is the risk due to a decrease in the level of
kepercayaan pemangku kepentingan (stakeholder) yang trust of stakeholders caused by negative perceptions of the
disebabkan oleh persepsi negatif terhadap Bank. Risiko reputasi Bank. Reputation risk originates from the Bank's business
bersumber dari aktivitas bisnis bank seperti pemberitaan negatif activities such as negative news in the mass media, violations
di media massa, pelanggaran etika bisnis, pengaduan nasabah, of business ethics, customer complaints, and other things
serta hal lain yang dapat menyebabkan risiko reputasi, misalnya that can cause reputation risk, such as weaknesses in corporate
kelemahan pada tata Kelola perusahaan, budaya perusahaan, governance, corporate culture, and ineffective Bank
serta komunikasi Bank yang kurang efektif. Bank melakukan communication. The Bank manages reputation risk by
pengelolaan risiko reputasi dengan melakukan pemantauan monitoring related news in the mass media, resolving customer
terhadap berita yang berkaitan di media masa, penyelesaian complaints, violations of business ethics, and other activities
pengaduan nasabah, pelanggaran terhadap etika bisnis, serta related to reputation risk.
aktivitas lain yang berhubungan dengan risiko reputasi
Oleh karena status Bank sebagai perusahaan terbuka, corporate Due to the Bank's status as a public company, the corporate
secretary berperan penting dalam melakukan keterbukaan secretary plays an important role in conducting information
informasi dan transparansi informasi Perusahaan, melakukan disclosure and transparency of the Company's information,
hubungan komunikasi dengan media masa dalam rangka conducting communication relations with the mass media in
memilihara reputasi Bank serta melakukan distribusi informasi order to select the Bank's reputation and distributing material
– informasi yang material bagi seluruh stakeholder. Proses information for all stakeholders. The process of reputation
pengendalian risiko reputasi yang dilakukan oleh Bank tercermin risk control carried out by the Bank is reflected in the delivery
dalam penyampaian informasi keuangan, informasi mengenai of financial information, information on material transactions
transaksi material maupun keterbukaan informasi yang perlu and information disclosure that needs to be known to the
diketahui publik secara jelas dan tepat waktu baik melalui public in a clear and timely manner both through mass media
media massa dan website Bank. Melengkapi produk yang and the Bank's website. Equipping products offered to customers
ditawarkan kepada nasabah dengan informasi yang jelas dan with clear and complete information so that customers can
lengkap sehingga nasabah dapat secara jelas memahami clearly understand the products offered. Transparent and
produk yang ditawarkan. Transparan dan akuntabel melalui accountable through mass media and the Bank's website.
media massa dan website Bank. Meningkatkan standar layanan Improve customer service standards by implementing service
nasabah dengan melaksanakan program service excellence excellence programs and understanding and ethics in marketing
dan pemahaman serta etika dalam pemasaran produk dan products and services, providing communication channels
layanan, menyediakan saluran komunikasi bagi nasabah untuk for customers to provide input for the Bank, setting standards
memberikan masukan bagi Bank, menetapkan standar dalam in resolving customer complaints and monitoring the number
menyelesaikan pengaduan nasabah dan melakukan pemantauan of complaints and their resolution rates.
jumlah pengaduan dan tingkat penyelesaiannya.
Bank memiliki ketentuan internal terkait penanganan pengaduan The Bank has internal provisions related to the handling of
nasabah serta unit kerja yang melakukan pemantauan dan customer complaints and the work unit that monitors and
penangangan pengaduan nasabah mengatur alur proses tata handles customer complaints regulates the process flow of
cara penyelesaian pengaduan nasabah. Bank memiliki unit/ customer complaint resolution procedures. The Bank has a
fungsi yaitu yang bertugas menerima setiap Pengaduan secara unit/function that is in charge of receiving every complaint
langsung melalui kantor cabang, telepon, e-mail atau directly through branch offices, telephone, e-mail or other
pemberitahuan tertulis lainnya. Selain itu bank juga memiliki written notifications. In addition, the bank also has a unit or
unit atau fungsi yang bertugas menyelesaikan pengaduan function in charge of resolving complaints according to the
sesuai batas waktu yang ditentukan serta unit yang melakukan specified time limit and a unit that monitors customer complaints.
pemantauan terhadap pengaduan nasabah. Hal ini bertujuan This aims to prevent reputational risk.
untuk mencegah terjadinya risiko reputasi.
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RISIKO STRATEJIK STRATEGIC RISK
Risiko stratejik muncul akibat kesalahan dalam pengambilan Strategic risk arises from errors in making or implementing
atau implementasi Keputusan stratejik, dan ketidakmampuan strategic decisions, and the Bank's inability to anticipate
Bank untuk mengantisipasi perubahan dinamika bisnis. Risiko changes in business dynamics. This risk can also arise due
ini juga dapat timbul karena kurangnya respons Bank terhadap to the Bank's lack of response to market developments,
perkembangan pasar, termasuk ketidakmampuan dalam including the inability to predict changes in technology,
memprediksi perubahan teknologi, kondisi ekonomi makro, macroeconomic conditions, and regulations. To address this
dan regulasi. Untuk menyikapi risiko ini, Bank menyusun RBB risk, the Bank prepares a RBB which is a plan of the Bank's
yang merupakan rencana kegiatan usaha Bank untuk jangka business activities for the short term (one year) and medium
pendek (satu tahun) dan jangka menengah (tiga tahun), term (three years), including plans to improve business
termasuk rencana untuk meningkatkan kinerja usaha, rencana performance, plans for new products and activities, network
produk dan aktivitas baru, rencana pengembangan jaringan, development plans, and strategies to realize these plans in
serta strategi untuk merealisasikan rencana tersebut sesuai accordance with the targets and time set, while taking into
dengan target dan waktu yang ditetapkan, dengan tetap account the fulfillment of prudential provisions and the
memperhatikan pemenuhan ketentuan kehati-hatian dan application of risk management. If there are developments
penerapan manajemen risiko. Apabila terdapat perkembangan in internal or external conditions that can significantly affect
kondisi internal atau eksternal yang secara signifikan dapat the Bank's strategic plan, a revision of the strategic plan will
mempengaruhi rencana strategis Bank, maka dilakukan revisi be made and submitted to the authority.
atas rencana strategis yang telah disusun dan disampaikan
kepada otoritas
Proses pengukuran risiko stratejik dilakukan dengan The strategic risk measurement process is carried out using
menggunakan beberapa parameter antara lain melakukan several parameters, including analyzing the suitability of the
analisa kesesuaian antara strategi yang dimiliki saat ini dengan current strategy with the business environment, the Bank's
kondisi lingkungan bisnis, posisi Bank di antara kompetitor position among competitors and the realization of the RBB
serta realisasi dari RBB yang telah ditetapkan. Bank juga selalu that has been set. The Bank also monitors the achievement
memantau pencapaian rencana bisnis dan kinerjanya. of its business plan and performance. Strategic risk management
Pengendalian manajemen risiko strategik mencakup controls include regular monitoring of the Bank's performance
pengawasan secara berkala atas kinerja Bank yang berdampak that impacts the Bank's earnings and a strategic risk control
pada pendapatan Bank dan budaya pengendalian risiko culture that involves all lines of business of the Bank. The
strategik yang melibatkan seluruh lini bisnis Bank. Bank juga Bank also strives to improve its control of strategic risk by
berusaha meningkatkan pengendalian terhadap risiko strategik establishing measures of the success of a strategy based on
dengan menetapkan ukuran keberhasilan suatu strategi measurable numbers. Periodic evaluations are also conducted
berdasarkan angka yang terukur. Evaluasi berkala juga dilakukan on overall performance.
terhadap kinerja secara keseluruhan.
RISIKO KEPATUHAN COMPLIANCE RISK
Risiko kepatuhan terjadi jika suatu perusahaan tidak mematuhi Compliance risk occurs if a company does not comply with
atau tidak melaksanakan peraturan perundang-undangan dan or does not implement applicable laws and regulations.
ketentuan yang berlaku. Risiko kepatuhan pada umumnya Compliance risk is generally attached to violations of the
melekat pada pelanggaran larangan utama dalam melaksanakan main prohibitions in implementing the prudential principle
prinsip kehati-hatian seperti : such as:
• Batas Maksimum Pemberian Kredit (BMPK), • Maximum Lending Limit (LLL),
• Posisi Devisa Netto (PDN), • Net Open Position (NOP),
• Pembentukan Cadangan Kerugian Penurunan Nilai • Provision for impairment losses (CKPN),
(CKPN),
• Giro Wajib Minimum, • Statutory Reserves,
PT Bank Maspion Indonesia Tbk
322 Laporan Tahunan Terintegrasi 2024
Page 323
• Ketentuan Penyediaan Modal Minimum (KPMM), • Minimum Capital Adequacy Requirement (CAR),
• Pemenuhan komitmen hasil pengawasan regulator, • Fulfillment of commitments resulting from regulatory
oversight,
• Pemenuhan kewajiban terhadap pelaporan mandatory • Fulfillment of mandatory reporting obligations
Bank menerapkan manajemen risiko kepatuhan guna The Bank implements compliance risk management to minimize
meminimalisir kemungkinan dampak negatif dari perilaku the possible negative impact of the Bank's behavior that does
Bank yang tidak mematuhi atau tidak menerapkan peraturan not comply with or does not implement the rules and regulations
dan ketentuan dari otoritas berwenang atau regulator. Strategi of the competent authority or regulator. The compliance risk
pengelolaan risiko kepatuhan dilaksanakan sejalan dengan management strategy is implemented in line with the risk
risk appetite risk tolerance yang telah ditetapkan oleh Bank. appetite risk tolerance set by the Bank. The implementation
Pelaksanaan fungsi kepatuhan Bank dilakukan dengan of the Bank's compliance function is carried out by taking
melakukan pencegahan (ex-ante) maupun tindakan kuratif preventive (ex-ante) and curative actions (ex-post). The steps
(ex-post). Langkah-langkah yang dilakukan dalam rangka taken in order to minimize and control compliance risk are:
meminimalkan dan mengendalikan risiko kepatuhan adalah:
• Memberikan sosialisasi ketentuan dan pelatihan • Provide socialization of provisions and training
(e-learning) guna untuk memperkuat dan meningkatkan (e-learning) to strengthen and improve awareness and
awareness dan budaya kepatuhan. culture of compliance.
• Melakukan gap analysis dengan menganalisis dampak • Conduct gap analysis by analyzing the impact of new
ketentuan baru, mengusulkan penyesuaian kebijakan regulations, proposing adjustments to internal policies
dan prosedur internal sesuai dengan peraturan yang and procedures in accordance with applicable
berlaku. regulations.
• Melakukan kajian kepatuhan atas pelaksanaan ketentuan • Conducting compliance reviews on the implementation
yang berlaku. of applicable regulations.
• Melakukan pemantauan pemenuhan komitmen kepada • Monitoring the fulfillment of commitments to authorized
Regulator yang berwenang. Regulators.
• Melakukan penilaian sendiri atas risiko kepatuhan. • Conduct self-assessment of compliance risk.
PT Bank Maspion Indonesia Tbk
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324
Laporan Publikasi Eksposur Risiko dan Permodalan
Risk Exposure and Capitalisation Publication Report
Tabel 1 Table 1
Ukuran Utama Key Metrics
Periode 31 Desember 2024 Period Desember 31, 2024
No. Deskripsi T T-1 T-2 T-3 T-4 Description
Modal yang Tersedia (nilai)
PT Bank Maspion Indonesia Tbk
Available Capital (value)
Laporan Tahunan Terintegrasi 2024
1 Modal Inti Utama (CET1) 6.240.084,00 6.515.166,00 6.601.242,00 6.580.995,00 6.581.412,00 Primary Tier 1 Capital (CET1)
2 Modal Inti (Tier1) 6.240.084,00 6.515.166,00 6.601.242,00 6.580.995,00 6.581.412,00 Tier 1 Capital
3 Total Modal 6.390.486,00 6.665.453,00 6.742.338,00 6.714.101,00 6.700.396,00 Total Capital
Aset Tertimbang Menurut Risiko (Nilai) | Risk Weighted Assets (Value)
4 Total Aset Tertimbang Menurut Risiko (ATMR) 14.685.969,02 15.735.313,25 15.699.777,00 14.646.728,00 13.367.999,00 Total Risk Weighted Assets (RWA)
Rasio Modal berbasis Risiko dalam bentuk persentase dari ATMR | Risk-based capital ratio as a percentage of RWA
5 Rasio CET1 (%) 42,50% 41,40% 42,05% 44,93% 49,23% CET1 Ratio (%)
6 Rasio Tier1 (%) 42,50% 41,40% 42,05% 44,93% 49,23% Tier1 Ratio (%)
7 Rasio Total Modal (%) 43,52% 42,36% 42,95% 45,84% 50,12% Total Capital Ratio (%)
Tambahan CET1 yang berfungsi sebagai buffer dalam bentuk persentase dari ATMR | Additional CET1 that serves as a buffer in the form of a percentage of RWA
8 Capital conservation buffer (2.5% dari ATMR) (%) 2,50% 2,50% 2,50% 2,50% 2,50% Capital conservation buffer (2.5% of RWA)
(%)
9 Countercyclical Buffer (0 - 2.5% dari ATMR) (%) - - - - - Countercyclical Buffer (0 - 2.5% of RWA)
(%)
10 Capital Surcharge untuk Bank Sistemik (1%-2.5%) - - - - - Capital Surcharge for Systemic Banks
(%) (1%-2.5%) (%)
11 Total CET1 sebagai buffer (Baris 8 + Baris 9 + 2,50% 2,50% 2,50% 2,50% 2,50% Total CET1 as buffer (Line 8 + Line 9 + Line
Baris 10 ) 10)
12 Komponen CET1 untuk buffer 34,52% 33,36% 33,95% 36,53% 40,81% CET1 component for buffer
Rasio pengungkit sesuai Basel III | Basel III compliant leverage ratio
13 Total Eksposur 24.607.943,00 25.305.762,00 24.473.555,00 24.403.447,00 22.633.738,00 Total Exposure
14 Nilai Rasio Pengungkit, termasuk dampak dari 25,36% 25,75% 26,95% 26,97% 29,08% Leverage Ratio, including the impact of
penyesuaian terhadap pengecualian sementara any adjustments to the temporary
atas penempatan giro pada Bank Indonesia exemption of demand deposits with Bank
dalam rangka memenuhi ketentuan GWM (jika Indonesia in order to fulfill the minimum
ada) (%) reserve requirement (if any) (%)
14b Nilai Rasio Pengungkit, tidak termasuk dampak 25,36% 25,75% 26,95% 26,97% 29,08% Leverage Ratio, excluding the impact of
Risk Management
Manajemen Risiko
dari penyesuaian terhadap pengecualian any adjustments to the temporary
sementara atas penempatan giro pada Bank exemption on current account placements
Indonesia dalam rangka memenuhi ketentuan with Bank Indonesia in order to fulfill the
GWM (jika ada) (%) minimum reserve requirement (if any) (%)
Page 325
No. Deskripsi T T-1 T-2 T-3 T-4 Description
14c Nilai Rasio Pengungkit, termasuk dampak dari 25,36% 25,75% 26,95% 26,97% 29,08% Leverage Ratio, including the impact of any
penyesuaian terhadap pengecualian sementara adjustments to the temporary exemption of
atas penempatan giro pada Bank Indonesia demand deposits with Bank Indonesia in
dalam rangka memenuhi ketentuan GWM (jika order to fulfill the minimum reserve
ada), yang telah memasukkan nilai rata-rata dari requirement (if any), which has included the
nilai tercatat aset Securities Financing average value of the carrying value of the
Transactions (SFT) secara gross (%) following Securities Financing
Transactions (SFT) assets gross (%)
14d Nilai Rasio Pengungkit, tidak termasuk dampak 24,57% 24,76% 25,40% 25,07% 27,37% Leverage Ratio, excluding the impact of
dari penyesuaian terhadap pengecualian adjustments to the temporary exemption
sementara atas penempatan giro pada Bank of demand deposits with Bank Indonesia
Indonesia dalam rangka memenuhi ketentuan in order to fulfill the minimum reserve
GWM (jika ada), yang telah memasukkan nilai requirement (if any), which has included
rata-rata dari nilai tercatat aset SFT secara gross the average value of the values of gross
(%) carrying amount of SFT assets (%)
Rasio Kecukupan Likuiditas (LCR) | Liquidity Adequacy Ratio (LCR)
15 Total Aset Likuid Berkualitas Tinggi (HQLA) 4.990.326,00 4.914.188,00 5.403.764,00 5.877.231,00 5.484.316,00 Total High Quality Liquid Assets (HQLA)
16 Total Arus Kas Keluar Bersih (net cash outflow) 2.829.948,00 2.724.787,00 3.569.290,00 3.291.664,00 3.010.070,00 Total net cash outflow
17 LCR (%) 176,34% 180,35% 151,40% 178,55% 182,20% LCR (%)
Rasio Pendanaan Stabil Bersih (NSFR) | Net Stable Funding Ratio (NSFR)
18 Total Pendanaan Stabil yang Tersedia (ASF) 16.890.367,00 17.057.080,00 16.007.717,00 15.908.166,00 15.560.459,00 Total Available Stable Funding (ASF)
19 Total Pendanaan Stabil yang Diperlukan (RSF) 11.424.275,00 11.658.017,00 11.149.653,00 10.273.338,00 9.558.364,00 Total Required Stabilized Funding (RSF)
20 NSFR (%) 147,85% 146,31% 143,57% 154,85% 162,79% NSFR (%)
Analisis Kualitatif | Qualitative Analysis
Rasio total modal terhadap ATMR Bank mengalami sedikit peningkatan dari 42,36% pada periode lalu menjadi 43,52% pada periode saat ini. Adapun, Rasio Pengungkit Bank mengalami penurunan
dari 25,75% pada periode lalu menjadi 25,36% pada periode saat ini disebabkan karena menurunnya total eksposure bank. Leverage ratio masih di atas ketentuan regulator yaitu sebesar 3%.
Adapun untuk Rasio rata-rata Liquidity Coverage Ratio (LCR) pada periode ini adalah 176,34% di atas batas minimum yang ditentukan OJK yaitu 100%. Hal ini mengindikasikan bahwa kondisi
kecukupan likuiditas Bank memadai dan mampu memenuhi kebutuhan likuiditas selama periode 30 (tiga puluh) hari ke depan dalam skenario stres. Untuk Rasio Net Stable Funding Ratio (NSFR)
pada periode ini adalah 147,85% juga berada di atas ketentuan minimum NSFR yang ditetapkan oleh regulator sebesar 100%.
The Bank's total capital to RWA ratio has slightly increased from 42.36% in the previous period to 43.52% in the current period. Meanwhile, the Bank's leverage ratio decreased from 25.75% in
the previous period to 25.36% in the current period due to a decrease in the bank's total exposure. Leverage ratio is still above the regulatory requirement of 3%. As for the average Liquidity
Coverage Ratio (LCR) in this period is 176.34% above the minimum limit set by OJK which is 100%. This indicates that the Bank's liquidity adequacy condition is adequate and able to meet
liquidity needs over the next 30 (thirty) days in a stress scenario. The Net Stable Funding Ratio (NSFR) for this period was 147.85%, also above the minimum NSFR requirement set by the
regulator of 100%.
*T adalah periode triwulanan, T-1 adalah periode 1 triwulan sebelumnya
*T is quarterly period, T-1 is period 1 quarter before
Integated Report 2024
PT Bank Maspion Indonesia Tbk
325
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326
Tabel 2 : Table 2:
Umum - Perbedaan antara Cakupan Konsolidasi dan Mapping General - Differences between Consolidation Coverage and
pada Laporan Keuangan sesuai Standar Akuntansi Keuangan Mapping in Financial Statements in accordance with Financial
dengan Kategori Risiko sesuai dengan Ketentuan Otoritas Jasa Accounting Standards and Risk Categories in accordance with
Keuangan Kategori Risiko (LI1) the Provisions of the Financial Services Authority Risk Category
(LI1)
dalam jutaan rupiah | in million rupiah
Nilai tercatat masing-masing risiko
Carrying value of each risk
Nilai tercatat Tidak mengacu
PT Bank Maspion Indonesia Tbk
sebagaimana pada
Laporan Tahunan Terintegrasi 2024
tercantum dalam Sesuai persyaratan
publikasi laporan Sesuai kerangka Sesuai permodalan atau
Deskripsi Sesuai
keuangan kerangka counterparty kerangka berdasarkan Description
Description kerangka
Carrying value as risiko kredit credit risk sekuritisasi pengurangan
stated in the risiko pasar
As per credit As per As per the modal
published financial As per market
risk counterparty securitization Not subject to
statements risk framework
framework credit risk framework capital
framework requirements or
based on capital
reduction
Aset | Assets
Kas 137.960,00 137.960,00 - - 254,00 - Cash
Penempatan pada Bank 998.323,00 998.323,00 - - 53.114,00 - Placement with Bank Indonesia
Indonesia
Penempatan pada bank lain 195.310,00 195.310,00 - - 145.002,00 - Placements with other banks
Tagihan spot dan derivatif / - - - - - - Spot and derivative / forward
forward receivables
Surat berharga yang dimiliki 3.015.139,00 3.015.139,00 - - - - Securities held
Surat berharga yang dijual - - - - - - Securities sold under agreements to
dengan janji dibeli kembali repurchase (repo)
(repo)
Tagihan atas surat berharga 792.724,00 - 792.724,00 - - - Receivables from securities
yang dibeli dengan janji dijual purchased with agreements to resell
kembali (reverse repo) (reverse repo)
Tagihan akseptasi 2.575,00 2.575,00 - - 1.147,00 - Acceptances receivable
Kredit yang diberikan 16.438.254,00 16.438.255,00 - - 1.779.783,00 - Loans granted
Pembiayaan syariah - - - - - - Islamic financing
Penyertaan modal - - - - - - Capital investment
Aset keuangan Lainnya 86.390,00 86.390,00 - - 7.801,26 - Other financial assets
Risk Management
Manajemen Risiko
Page 327
dalam jutaan rupiah | in million rupiah
Nilai tercatat masing-masing risiko
Carrying value of each risk
Nilai tercatat Tidak mengacu
sebagaimana pada
tercantum dalam Sesuai persyaratan
publikasi laporan Sesuai kerangka Sesuai permodalan atau
Deskripsi Sesuai
keuangan kerangka counterparty kerangka berdasarkan Description
Description kerangka
Carrying value as risiko kredit credit risk sekuritisasi pengurangan
stated in the risiko pasar
As per credit As per As per the modal
published financial As per market
risk counterparty securitization Not subject to
statements risk framework
framework credit risk framework capital
framework requirements or
based on capital
reduction
Cadangan kerugian (463.525,00) (195.659,00) - - (32.737,00) (267.866,00) Provision for impairment losses on
penurunan nilai aset keuangan financial assets -/-
-/-
Aset tidak berwujud 15.101,00 15.101,00 - - - - Intangible assets
Akumulasi amortisasi aset (10.433,00) (10.433,00) - - - - Accumulated amortization of
tidak berwujud -/- intangible assets -/-
Aset tetap dan inventaris 541.314,00 541.314,00 - - - - Fixed assets and inventory
Akumulasi penyusutan aset (85.403,00) (85.403,00) - - - - Accumulated depreciation of
tetap dan inventaris -/- property, plant and equipment and
inventory -/-
Aset non produktif 360.141,00 336.696,00 - - - - Non-earning assets
Aset Lainnya 281.179,00 224.152,00 - - - 57.027,00 Other Assets
Total aset 22.305.049,00 21.699.720,00 792.724,00 - 1.954.364,26 (210.839,00) Total assets
Kewajiban | Liability
Giro 1.945.491,00 - - - 982.127,00 1.945.491,00 Current Account
Tabungan 1.046.405,00 - - - - 1.046.405,00 Savings
Deposito 10.258.166,00 - - - 151.204,00 10.258.166,00 Deposit
Uang Elektronik - - - - - - Electronic Money
Liabilitas kepada Bank - - - - - - Liabilities to Bank Indonesia
Indonesia
Liabilitas kepada bank lain 2.348.272,00 - - - 772.560,00 2.348.272,00 Liabilities to other banks
Liabilitas spot dan derivatif / - - - - - - Spot and derivative/forward
forward liabilities
Liabilitas atas surat berharga - - - - - - Liabilities for securities sold under
Integated Report 2024
PT Bank Maspion Indonesia Tbk
yang dijual dengan janji dibeli repurchase agreements (repo)
kembali (repo)
327
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328
dalam jutaan rupiah | in million rupiah
Nilai tercatat masing-masing risiko
Carrying value of each risk
Nilai tercatat Tidak mengacu
sebagaimana pada
tercantum dalam Sesuai persyaratan
publikasi laporan Sesuai kerangka Sesuai permodalan atau
Deskripsi Sesuai
keuangan kerangka counterparty kerangka berdasarkan Description
Description kerangka
Carrying value as risiko kredit credit risk sekuritisasi pengurangan
stated in the risiko pasar
As per credit As per As per the modal
published financial As per market
PT Bank Maspion Indonesia Tbk
risk counterparty securitization Not subject to
risk framework
Laporan Tahunan Terintegrasi 2024
statements framework credit risk framework capital
framework requirements or
based on capital
reduction
Liabilitas akseptasi 2.575,00 - - - 1.147,00 2.575,00 Acceptance liabilities
Surat berharga yang - - - - - - Securities issued
diterbitkan
Pinjaman / pembiayaan yang - - - - - - Loans/financing received
diterima
Setoran jaminan 645,00 - - - - 645,00 Security deposit
Liabilitas antarkantor - - - - - - Inter-office liabilities
Liabilitas lainnya 239.910,00 - - - 10.158,00 239.910,00 Other liabilities
Kepentingan minoritas - - - - - - Minority interest
(minority interest)
Total liabilitas 15.841.464,00 - - - 1.917.196,00 15.841.464,00 Total liabilities
Analisis Kualitatif | Qualitative Analysis
Bank tidak memiliki anak usaha berupa perusahaan asuransi sehingga nilai tercatat sebagaimana tercantum dalam publikasi laporan keuangan sesuai dengan nilai tercatat berdasarkan prinsip
kehati-hatian. Bank tidak memiliki eksposur sesuai kerangka sekuritisasi
The Bank does not have a subsidiary in the form of an insurance company so that the carrying value as stated in the publication of financial statements is in accordance with the carrying value
based on prudential principles. The Bank has no exposure under the securitization framework.
Risk Management
Manajemen Risiko
Page 329
Tabel 3. LI2: Table 3. LI2:
Sumber perbedaan utama antara eksposur sesuai Main sources of differences between prudential exposures
ketentuan kehati-hatian dengan carrying values sesuai and financial accounting standards' carrying values
standar akuntansi keuangan
dalam jutaan rupiah | in million rupiah
a b c d e
Deskripsi
Description Jumlah
Item sesuai| Corresponding item :
Total
Nilai tercatat aset sesuai dengan cakupan konsolidasi 22.305.049,00 21.699.720,00 - 792.724,00 1.954.364,26
ketentuan kehati-hatian
(sebagaimana dilaporkan pada template LI1)
Asset carrying value amount under scope of regulatory
consolidation
(as per template LI1)
Nilai tercatat liabilitas sesuai lingkup sesuai dengan cakupan 15.841.464,00 - - - 1.917.196,00
konsolidasi ketentuan kehati-hatian
(sebagaimana dilaporkan pada template LI1)
Liabilities carrying value amount under regulatory scope of
consolidation
(as per template LI1)
Total nilai bersih sesuai dengan cakupan konsolidasi
ketentuan kehati-hatian
Total net amount under regulatory scope of consolidation
Nilai rekening administratif 88.551,00 304.094,50
Off-balance sheet amounts
Perbedaan valuasi
Differences in valuations
Perbedaan antara netting rules, selain dari yang termasuk
pada baris 2.
Differences due to different netting rules, other than those
already included in row 2
Perbedaan provisi
Differences due to consideration of provisions
Perbedaan prudential filters
Differences due to prudential filters
Nilai eksposur yang dipertimbangkan, sesuai dengan cakupan
konsolidasi ketentuan kehati-hatian
Exposure amounts considered for regulatory purposes
Analisis Kualitatif | Qualitative Analysis
Total nilai bersih pada kolom total merujuk pada ketentuan Standar Akuntansi Keuangan sedangkan Nilai Eksposur kerangka risiko
kredit, Counterparty credit risk, dan risiko pasar merujuk pada pedoman perhitungan ATMR untuk risiko kredit dengan menggunakan
pendekatan standar dimana nilai tagihan bersih telah dikurangi dengan provisi/pencadangan. Selain itu Bank juga merujuk pada
pedoman penggunaan metode standar dalam perhitungan ATMR Bank Umum dengan memperhitungkan risiko pasar.
Total net worth in the total column refers to the provisions of the Financial Accounting Standards while the Exposure Value of the
credit risk framework, counterparty credit risk, and market risk refer to the RWA calculation guidelines for credit risk using the
standardized approach where the net charge-off value has been reduced by provisions/provisions. In addition, the Bank also refers to
the guidelines for the use of standard methods in the calculation of RWA of Commercial Banks by taking into account market risk.
PT Bank Maspion Indonesia Tbk
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Manajemen Risiko
Risk Management
4. Umum - Penjelasan Mengenai Perbedaan Antara Nilai 4. General - Explanation of Differences Between Exposure
Eksposur Sesuai Dengan Standar Akuntansi Keuangan Values in Accordance with Financial Accounting Standards
Dengan Ketentuan OJK and OJK Requirements
Bank tidak memiliki anak usaha berupa perusahaan asuransi The Bank does not have a subsidiary in the form of an insurance
sehingga nilai tercatat sebagaimana tercantum dalam publikasi company so that the carrying value as stated in the publication
laporan keuangan sesuai dengan nilai tercatat berdasarkan of financial statements is in accordance with the carrying
prinsip kehati-hatian. Bank tidak memiliki eksposur sesuai value based on prudential principles. The Bank has no
kerangka sekuritisasi. exposure under the securitization framework.
Total nilai bersih pada kolom total merujuk pada ketentuan Total net worth in the total column refers to the provisions of
Standar Akuntansi Keuangan sedangkan Nilai Eksposur the Financial Accounting Standards while the Exposure Value
kerangka risiko kredit, counterparty credit risk, dan risiko of the credit risk framework, counterparty credit risk, and
pasar merujuk pada pedoman perhitungan ATMR untuk risiko market risk refer to the RWA calculation guidelines for credit
kredit dengan menggunakan pendekatan standar dimana risk using the standardized approach where the net charge-
nilai tagihan bersih telah dikurangi dengan provisi/pencadangan. off value has been reduced by provisions/provisions. In
Selain itu Bank juga merujuk pada pedoman pendekatan addition, the Bank also refers to the guidelines for a simplified
metode standar yang disederhanakan dalam perhitungan standardized method approach in the calculation of RWA for
ATMR Bank Umum dengan memperhitungkan risiko pasar. Commercial Banks by taking into account market risk.
PT Bank Maspion Indonesia Tbk
330 Laporan Tahunan Terintegrasi 2024
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Tabel 5 Table 5
Permodalan - Komposisi Permodalan (CC1) Capital - Capital Composition (CC1)
No. Ref. yang berasal
Jumlah (Dalam dari Neraca
Komponen Jutaan Rupiah) Konsolidasi 1)
Component Total (In Millions Ref. No. derived from
Rupiah) the Consolidated
Balance Sheet 1)
CET 1: Instrumen dan Tambahan Modal Disetor
Common Equity Tier 1 Capital: instruments and reserves
1 Saham biasa (termasuk stock surplus) 5.951.109,00 a
Directly issued qualifying common share (and equivalent for non-joint stock
companies) capital plus related stock surplus
2 Laba ditahan 370.084,00 b
Retained earnings
3 Akumulasi penghasilan komprehensif lain (dan cadangan lain) 173.334,00 c
Accumulated other comprehensive income (and other reserves)
4 Modal yang termasuk phase out dari CET1 N/A
Directly issued capital subject to phase out from CET1 (only applicable to
non-joint stock companies)
5 Kepentingan Non Pengendali yang dapat diperhitungkan -
Common share capital issued by subsidiaries and held by third parties
(amount allowed in group CET1)
6 CET1 sebelum regulatory adjustment 6.494.527,00
Common Equity Tier 1 capital before regulatory adjustments
CET 1: Faktor Pengurang (Regulatory Adjustment)
Common Equity Tier 1 Capital: regulatory adjustments
7 Selisih kurang jumlah penyesuaian nilai wajar dari instrumen keuangan -
dalam trading book
Prudential valuation adjustments
8 Goodwill -
Goodwill (net of related tax liability)
9 Aset tidak berwujud lainnya (selain Mortgage-Servicing Rights) (4.668,00) d
Other intangibles other than mortgage-servicing rights (net of related tax
liability)
10 Aset pajak tangguhan yang berasal dari future profitability N/A
Deferred tax assets that rely on future profitability excluding those arising
from temporary differences (net of related tax liability)
11 Cash-flow hedge reserve N/A
Cash-flow hedge reserve
12 Shortfall on provisions to expected losses N/A
Shortfall of provisions to expected losses
13 Keuntungan penjualan aset dalam transaksi sekuritisasi -
Securitisation gain on sale (as set out in paragraph 562 of Basel II
framework)
14 Peningkatan/ penurunan nilai wajar atas kewajiban keuangan (DVA) -
Gains and losses due to changes in own credit risk on fair valued liabilities
15 Aset pensiun manfaat pasti N/A
Defined-benefit pension fund net assets
16 Investasi pada saham sendiri (jika belum di net dalam modal di Laporan N/A
Posisi Keuangan)
Investments in own shares (if not already netted off paid-in capital on
reported balance sheet)
17 Kepemilikan silang pada instrumen CET 1 pada entitas lain -
Reciprocal cross-holdings in common equity
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Manajemen Risiko
Risk Management
No. Ref. yang berasal
Jumlah (Dalam dari Neraca
Komponen Jutaan Rupiah) Konsolidasi 1)
Component Total (In Millions Ref. No. derived from
Rupiah) the Consolidated
Balance Sheet 1)
18 Investasi pada modal bank, entitas keuangan dan asuransi diluar cakupan N/A
konsolidasi secara ketentuan, net posisi short yang diperkenankan, dimana
Bank tidak memiliki lebih dari 10% modal saham yang diterbitkan (jumlah di
atas batasan 10%)
Investments in the capital of Banking, financial and insurance entities that
are outside the scope of regulatory consolidation, net of eligible short
positions, where the Bank does not own more than 10% of the issued share
capital (amount above 10% threshold)
19 Investasi signifikan pada saham biasa Bank, entitas keuangan dan asuransi N/A
diluar cakupan konsolidasi secara ketentuan, net posisi short yang
diperkenankan (jumlah di atas batasan 10%)
Significant investments in the common stock of Banking, financial and
insurance entities that are outside the scope of regulatory consolidation, net
of eligible short positions (amount above 10% threshold)
20 Mortgage servicing rights -
Mortgage servicing rights (amount above 10% threshold)
21 Aset pajak tangguhan yang berasal dari perbedaan temporer (jumlah di atas N/A
batasan 10%, net dari kewajiban pajak)
Deferred tax assets arising from temporary differences (amount above 10%
threshold, net of related tax liability)
22 Jumlah melebihi batasan 15% dari: N/A
Amount exceeding the 15% threshold
23 investasi signifikan pada saham biasa financials N/A
of which: significant investments in the common stock of financials
24 mortgage servicing rights N/A
of which: mortgage servicing rights
25 pajak tangguhan dari perbedaan temporer N/A
of which: deferred tax assets arising from temporary differences
26 Penyesuaian berdasarkan ketentuan spesifik nasional
National specific regulatory adjustments
26a. Selisih PPKA dan CKPN -
Difference asset quality assesment (PPKA) and impairment (CKPN)
26b. PPKA atas aset non produktif (159.636,00)
PPKA on non-productive assets
26c. Aset Pajak Tangguhan (90.139,00) e
Deferred tax assets
26d. Penyertaan -
Participation
26e. Kekurangan modal pada perusahaan anak asuransi -
Lack of capital in insurance subsidiary companies
26f. Eksposur sekuritisasi -
Securitization exposure
26g. Lainnya -
Others
27 Penyesuaian pada CET 1 akibat AT 1 dan Tier 2 lebih kecil daripada faktor -
pengurangnya
Regulatory adjustments applied to Common Equity Tier 1 due to insufficient
Additional Tier 1 and Tier 2 to cover deductions
28 Jumlah pengurang (regulatory adjustment) terhadap CET 1 (254.443,00)
Total regulatory adjustments to Common equity Tier 1
29 Jumlah CET 1 setelah faktor pengurang 6.240.084,00
Common Equity Tier 1 capital (CET1)
PT Bank Maspion Indonesia Tbk
332 Laporan Tahunan Terintegrasi 2024
Page 333
No. Ref. yang berasal
Jumlah (Dalam dari Neraca
Komponen Jutaan Rupiah) Konsolidasi 1)
Component Total (In Millions Ref. No. derived from
Rupiah) the Consolidated
Balance Sheet 1)
Modal Inti Tambahan (AT 1): Instrumen
Additional Tier 1 capital: instruments
30 Instrumen AT 1 yang diterbitkan oleh Bank (termasuk stock surplus) -
Directly issued qualifying Additional Tier 1 instruments plus related stock
surplus
31 Yang diklasifikasikan sebagai ekuitas berdasarkan standar akuntansi -
of which: classified as equity under applicable accounting standards
32 Yang diklasifikasikan sebagai liabilitas berdasarkan standar akuntansi -
of which: classified as liabilities under applicable accounting standards
33 Modal yang termasuk phase out dari AT 1 N/A
Directly issued capital instruments subject to phase out from Additional Tier 1
34 Instrumen AT 1 yang diterbitkan oleh Entitas Anak yang diakui dalam -
perhitungan KPMM secara konsolidasi
Additional Tier 1 instruments (and CET1 instruments not included in row 5)
issued by subsidiaries and held by third parties (amount allowed in group AT1)
35 Instrumen yang diterbitkan Entitas Anak yang termasuk phase out N/A
of which: instruments issued by subsidiaries subject to phase out
36 Jumlah AT 1 sebelum regulatory adjustment -
Additional Tier 1 capital before regulatory adjustments
Modal Inti Tambahan: Faktor Pengurang (Regulatory Adjustment)
Additional Tier 1 capital: regulatory adjustments
37 Investasi pada instrumen AT 1 sendiri N/A
Investments in own Additional Tier 1 instruments
38 Kepemilikan silang pada instrumen AT 1 pada entitas lain -
Reciprocal cross-holdings in Additional Tier 1 instruments
39 Investasi pada modal bank, entitas keuangan dan asuransi diluar cakupan N/A
konsolidasi secara ketentuan, net posisi short yang diperkenankan, dimana
Bank tidak memiliki lebih dari 10% modal saham yang diterbitkan (jumlah di
atas batasan 10%)
Investments in the capital of Banking, financial and insurance entities that are
outside the scope of regulatory consolidation, net of eligible short positions,
where the Bank does not own more than 10% of the issued common share
capital of the entity (amount above 10% threshold)
40 Investasi signifikan pada modal Bank, entitas keuangan dan asuransi di luar N/A
cakupan konsolidasi secara ketentuan (net posisi short yang diperkenankan)
Significant investments in the capital of Banking, financial and insurance
entities that are outside the scope of regulatory consolidation (net of eligible
short positions)
41 Penyesuaian berdasarkan ketentuan spesifik nasional
National specific regulatory adjustments
41a. Penempatan dana pada instrumen AT 1 pada Bank lain -
42 Penyesuaian pada AT 1 akibat Tier 2 lebih kecil daripada faktor -
pengurangnya
Regulatory adjustments applied to Additional Tier 1 due to insufficient Tier 2
to cover deductions
43 Jumlah faktor pengurang (regulatory adjustment) terhadap AT 1 -
Total regulatory adjustments to Additional Tier 1 capital
44 Jumlah AT 1 setelah faktor pengurang -
Additional Tier 1 capital (AT1)
45 Jumlah Modal Inti (Tier 1) (CET 1 + AT 1) 6.240.084,00
Tier 1 capital (T1 = CET 1 + AT 1)
PT Bank Maspion Indonesia Tbk
Integated Report 2024 333
Page 334
Manajemen Risiko
Risk Management
No. Ref. yang berasal
Jumlah (Dalam dari Neraca
Komponen Jutaan Rupiah) Konsolidasi 1)
Component Total (In Millions Ref. No. derived from
Rupiah) the Consolidated
Balance Sheet 1)
Modal Pelengkap (Tier 2): Instrumen dan cadangan
Tier 2 capital: instruments and provisions
46 Instrumen Tier 2 yang diterbitkan oleh Bank (termasuk stock surplus) -
Directly issued qualifying Tier 2 instruments plus related stock surplus
47 Modal yang yang termasuk phase out dari Tier 2 N/A
Directly issued capital instruments subject to phase out from Tier 2
48 Instrumen Tier 2 yang diterbitkan oleh Entitas Anak yang diakui dalam -
perhitungan KPMM secara konsolidasi
Tier 2 instruments (and CET1 and AT1 instruments not included in rows 5 or
34) issued by subsidiaries and held by third parties (amount allowed in
group Tier 2)
49 Modal yang diterbitkan Entitas Anak yang termasuk phase out N/A
of which: instruments issued by subsidiaries subject to phase out
50 Cadangan umum PPKA atas aset produktif yang wajib dihitung dengan 150.402,00
jumlah paling tinggi sebesar 1,25% dari ATMR untuk Risiko Kredit
PPKA general reserves for productive assets which must be calculated at a
maximum of 1.25% of RWA for credit risk
51 Jumlah Modal Pelengkap (Tier 2) sebelum faktor pengurang 150.402,00
Tier 2 capital before regulatory adjustments
Modal Pelengkap (Tier 2): Faktor Pengurang (Regulatory Adjustment)
Tier 2 capital: regulatory adjustments
52 Investasi pada instrumen Tier 2 sendiri N/A
Investments in own Tier 2 instruments
53 Kepemilikan silang pada instrumen Tier 2 pada entitas lain -
Reciprocal cross-holdings in Tier 2 instruments and other TLAC liabilities
54 Investasi pada kewajiban TLAC modal bank, entitas keuangan dan asuransi N/A
diluar cakupan konsolidasi secara ketentuan, net posisi short yang diperkenankan,
dimana Bank tidak memiliki lebih dari 10% modal saham yang diterbitkan; nilai
sebelumnya ditetapkan dengan threshold 5% namun tidak lagi memenuhi
kriteria (untuk bank Sistemik)
Investments in the other TLAC liabilities of banking, financial and insurance
entities that are outside the scope of regulatory consolidation and where the
bank does not own more than 10% of the issued common share capital of the
entity: amount previously designated for the 5% threshold but that no longer
meets the conditions (for G-SIBs only)
55 Investasi signifikan pada modal atau instrumen TLAC Bank, entitas keuangan N/A
dan asuransi di luar cakupan konsolidasi secara ketentuan (net posisi short
yang diperkenankan)
Significant investments in the capital and other TLAC liabilities of banking,
financial and insurance entities that are outside the scope of regulatory
consolidation (net of eligible short positions)
56 Penyesuaian berdasarkan ketentuan spesifik nasional
National specific regulatory adjustments
56a. Sinking fund -
56b. Penempatan dana pada instrumen Tier 2 pada Bank lain -
Placement of funds in Tier 2 instruments at other banks
57 Jumlah faktor pengurang (regulatory adjustment) Modal Pelengkap -
Total regulatory adjustments to Tier 2 capital
58 Jumlah Modal Pelengkap (Tier 2) setelah regulatory adjustment 150.402,00
Tier 2 capital (T2)
59 Total Modal (Modal Inti + Modal Pelengkap) 6.390.486,00
Total capital (TC = T1 + T2)
60 Total Aset Tertimbang Menurut Risiko (ATMR) 14.682.900,00
Total risk weighted assets
PT Bank Maspion Indonesia Tbk
334 Laporan Tahunan Terintegrasi 2024
Page 335
No. Ref. yang berasal
Jumlah (Dalam dari Neraca
Komponen Jutaan Rupiah) Konsolidasi 1)
Component Total (In Millions Ref. No. derived from
Rupiah) the Consolidated
Balance Sheet 1)
Rasio Kecukupan Pemenuhan Modal Minimum (KPMM) dan Tambahan Modal (Capital Buffer)
Capital ratios and buffers
61 Rasio Modal Inti Utama (CET 1) - persentase terhadap ATMR 42,50%
Common Equity Tier 1 (as a percentage of risk weighted assets)
62 Rasio Modal Inti (Tier 1) - persentase terhadap ATMR 42,50%
Tier 1 (as a percentage of risk weighted assets)
63 Rasio Total Modal - persentase terhadap ATMR 43,52%
Total capital (as a percentage of risk weighted assets)
64 Tambahan modal (buffer) - persentase terhadap ATMR 32,02%
Institution specific buffer requirement (minimum CET1 requirement plus
capital conservation buffer plus countercyclical buffer requirements plus
G-SIB buffer requirement, expressed as a percentage of risk weighted
assets)
65 Capital Conservation Buffer 2,5%
of which: capital conservation buffer requirement
66 Countercyclical Buffer 0%
of which: Bank specific countercyclical buffer requirement
67 Capital Surcharge untuk Bank Sistemik 0%
Of which: G-SIB buffer requirement
68 "Untuk bank umum konvensional: Modal Inti Utama (CET 1) yang tersedia 34,52%
untuk memenuhi Tambahan Modal (Buffer) - persentase terhadap ATMR.
Untuk kantor cabang dari Bank yang berkedudukan di luar negeri: Bagian
Dana Usaha yang ditempatkan dalam CEMA (diungkapkan sebagai
persentase dari ATMR) yang tersedia untuk memenuhi Buffer."
Common Equity Tier 1 available to meet buffers (as a percentage of risk
weighted assets)
National minima (jika berbeda dari Basel 3)
National minima (if different from Basel 3)
69 Rasio terendah CET 1 nasional (jika berbeda dengan Basel 3) N/A
National Common Equity Tier 1 minimum ratio (if different from Basel 3
minimum)
70 Rasio terendah Tier 1 nasional (jika berbeda dengan Basel 3) N/A
National Tier 1 minimum ratio (if different from Basel 3 minimum)
71 Rasio terendah total modal nasional (jika berbeda dengan Basel 3) N/A
National total capital minimum ratio (if different from Basel 3 minimum)
Jumlah di bawah batasan pengurangan (sebelum pembobotan risiko)
Amounts below the thresholds for deduction (before risk weighting)
72 Investasi non-signifikan pada modal atau kewajiban TLAC lainnya pada N/A
entitas keuangan lain
Non-significant investments in the capital and other TLAC liabilities of other
financial entities
73 Investasi signifikan pada saham biasa entitas keuangan N/A
Significant investments in the common stock of financial entities
74 Mortgage servicing rights (net dari kewajiban pajak) N/A
Mortgage servicing rights (net of related tax liability)
75 Aset pajak tangguhan yang berasal dari perbedaan temporer (net dari N/A
kewajiban pajak)
Deferred tax assets arising from temporary differences (net of related tax
liability)
Cap yang dikenakan untuk provisi pada Tier 2
Applicable caps on the inclusion of provisions in Tier 2
76 Provisi yang dapat diakui sebagai Tier 2 sesuai dengan eksposur N/A
berdasarkan pendekatan standar (sebelum dikenakan cap)
Provisions eligible for inclusion in Tier 2 in respect of exposures subject to
standardised approach (prior to application of cap)
PT Bank Maspion Indonesia Tbk
Integated Report 2024 335
Page 336
Manajemen Risiko
Risk Management
No. Ref. yang berasal
Jumlah (Dalam dari Neraca
Komponen Jutaan Rupiah) Konsolidasi 1)
Component Total (In Millions Ref. No. derived from
Rupiah) the Consolidated
Balance Sheet 1)
77 Cap atas provisi yang diakui sebagai Tier 2 berdasarkan pendekatan standar N/A
Cap on inclusion of provisions in Tier 2 under standardised approach
78 Provisi yang dapat diakui sebagai Tier 2 sesuai dengan eksposur N/A
berdasarkan pendekatan IRB (sebelum dikenakan cap)
Provisions eligible for inclusion in Tier 2 in respect of exposures subject to
internal ratings-based approach (prior to application of cap)
79 Cap atas provisi yang diakui sebagai Tier 2 berdasarkan pendekatan IRB N/A
Cap for inclusion of provisions in Tier 2 under internal ratings-based
approach
Instrumen Modal yang termasuk phase out (hanya berlaku antara 1 Jan 2018 s.d. 1 Jan 2022)
Capital instruments subject to phase-out arrangements (only applicable between 1 Jan 2018 and 1 Jan 2022)
80 Cap pada CET 1 yang temasuk phase out N/A
Current cap on CET1 instruments subject to phase out arrangements
81 Jumlah yang dikecualikan dari CET 1 karena adanya cap (kelebihan di atas N/A
cap setelah redemptions dan maturities)
Amount excluded from CET1 due to cap (excess over cap after redemptions
and maturities)
82 Cap pada AT 1 yang temasuk phase out N/A
Current cap on AT1 instruments subject to phase out arrangements
83 Jumlah yang dikecualikan dari AT 1 karena adanya cap (kelebihan di atas N/A
cap setelah redemptions dan maturities)
Amount excluded from AT1 due to cap (excess over cap after redemptions
and maturities)
84 Cap pada Tier 2 yang temasuk phase out N/A
Current cap on T2 instruments subject to phase out arrangements
85 Jumlah yang dikecualikan dari Tier 2 karena adanya cap (kelebihan di atas N/A
cap setelah redemptions dan maturities)
Amount excluded from T2 due to cap (excess over cap after redemptions
and maturities)
Analisis Kualitatif | Qualitative Analysis
Nilai Nominal yang tertera pada tabel komposisi permodalan sama dengan jumlah yang dilaporkan pada laporan KPMM publikasi pada
periode yang sama
The nominal value stated in the capital composition table is the same as the amount reported in the published CAR report for the same
period.
PT Bank Maspion Indonesia Tbk
336 Laporan Tahunan Terintegrasi 2024
Page 337
Tabel 6 : Table 6 :
Rekonsiliasi Permodalan (CC2) Capital Reconciliation (CC2)
Laporan Posisi
Keuangan Konsolidasi
dengan cakupan
Laporan Posisi konsolidasi No. Ref. yang
Keuangan Publikasi berdasarkan ketentuan berasal dari
Published kehati-hatian Neraca
Statement of Consolidated Konsolidasi 1)
No Pos-pos Statement of Financial Posts
Financial Position Ref. No. derived
Position with coverage from the
of consolidation under Consolidated
prudential provisions Balance Sheet 1)
31 Desember 2024 31 Desember 2024
December 31, 2024 December 31, 2024
ASET | ASSETS
1 Kas 137.960,00 137.960,00 Cash
2 Penempatan pada Bank Indonesia 998.323,00 998.323,00 Placement with Bank Indonesia
3 Penempatan pada bank lain 195.310,00 195.310,00 Placements with other banks
4 Tagihan spot dan derivatif / forward - - Spot and derivative / forward receivables
5 Surat berharga yang dimiliki 3.015.139,00 3.015.139,00 Securities held
6 Surat berharga yang dijual dengan janji dibeli kembali - - Securities sold under agreements to
(repo) repurchase (repo)
7 Tagihan atas surat berharga yang dibeli dengan janji dijual 792.724,00 792.724,00 Receivables from securities purchased with
kembali (reverse repo) agreements to resell (reverse repo)
8 Tagihan akseptasi 2.575,00 2.575,00 Acceptances receivable
9 Kredit yang diberikan 16.438.254,00 16.438.254,00 Loans granted
10 Pembiayaan syariah - - Islamic financing
11 Penyertaan modal - - Capital investment
12 Aset keuangan Lainnya 86.390,00 86.390,00 Other financial assets
13 Cadangan kerugian penurunan nilai aset keuangan -/- Provision for impairment losses on financial
assets -/-
a. Surat berharga yang dimiliki - - a. Securities held
b. Kredit yang diberikan dan pembiayaan syariah (463.373,00) (463.373,00) b. Loans and Islamic financing
c. Lainnya (152,00) (152,00) c. Others
Integated Report 2024
PT Bank Maspion Indonesia Tbk
337
Page 338
338
Laporan Posisi
Keuangan Konsolidasi
dengan cakupan
Laporan Posisi konsolidasi No. Ref. yang
Keuangan Publikasi berdasarkan ketentuan berasal dari
Published kehati-hatian Neraca
Statement of Consolidated Konsolidasi 1)
No Pos-pos Statement of Financial Posts
Financial Position Ref. No. derived
Position with coverage from the
of consolidation under Consolidated
prudential provisions Balance Sheet 1)
PT Bank Maspion Indonesia Tbk
Laporan Tahunan Terintegrasi 2024
31 Desember 2024 31 Desember 2024
December 31, 2024 December 31, 2024
14 Aset tidak berwujud 15.101,00 15.101,00 d Intangible assets
Akumulasi amortisasi aset tidak berwujud -/- (10.433,00) (10.433,00) d Accumulated amortization of intangible
assets -/-
15 Aset tetap dan inventaris 541.314,00 541.314,00 Fixed assets and inventory
Akumulasi penyusutan aset tetap dan inventaris -/- (85.403,00) (85.403,00) Accumulated depreciation of property, plant
and equipment and inventory -/-
16 Aset non produktif Non-earning assets
a. Properti terbengkalai 23.445,00 23.445,00 a. Abandoned property
b. Agunan yang diambil alih 336.696,00 336.696,00 b. Repossessed collateral
c. Rekening tunda - - c. Pending account
d. Aset antarkantor - - d. Inter-office assets
17 Aset Lainnya Other Assets
a. Aset Pajak Tangguhan 90.158,00 90.158,00 e a. Deferred Tax Assets
b. Lainnya 191.021,00 191.021,00 b. Others
TOTAL ASET 22.305.049,00 22.305.049,00 TOTAL ASSETS
LIABILITAS DAN EKUITAS | LIABILITIES AND EQUITY
LIABILITAS | LIABILITIES
1 Giro 1.945.491,00 1.945.491,00 Current Account
2 Tabungan 1.046.405,00 1.046.405,00 Savings
3 Deposito 10.258.166,00 10.258.166,00 Deposit
4 Uang Elektronik - - Electronic Money
5 Liabilitas kepada Bank Indonesia - - Liabilities to Bank Indonesia
6 Liabilitas kepada bank lain 2.348.272,00 2.348.272,00 Liabilities to other banks
7 Liabilitas spot dan derivatif / forward - - Spot and derivative/forward liabilities
Risk Management
Manajemen Risiko
Page 339
Laporan Posisi
Keuangan Konsolidasi
dengan cakupan
Laporan Posisi konsolidasi No. Ref. yang
Keuangan Publikasi berdasarkan ketentuan berasal dari
Published kehati-hatian Neraca
Statement of Consolidated Konsolidasi 1)
No Pos-pos Statement of Financial Posts
Financial Position Ref. No. derived
Position with coverage from the
of consolidation under Consolidated
prudential provisions Balance Sheet 1)
31 Desember 2024 31 Desember 2024
December 31, 2024 December 31, 2024
8 Liabilitas atas surat berharga yang dijual dengan janji dibeli - - Liabilities for securities sold under
kembali (repo) repurchase agreements (repo)
9 Liabilitas akseptasi 2.575,00 2.575,00 Acceptance liabilities
10 Surat berharga yang diterbitkan - - Securities issued
11 Pinjaman / pembiayaan yang diterima - - Loans/financing received
12 Setoran jaminan 645,00 645,00 Security deposit
13 Liabilitas antarkantor - - Inter-office liabilities
14 Liabilitas lainnya 239.910,00 239.910,00 Other liabilities
15 Kepentingan minoritas (minority interest) - - Minority interest
TOTAL LIABILITAS | TOTAL LIABILITIES 15.841.464,00 15.841.464,00
EKUITAS | EQUITY
16 Modal disetor Paid-up capital
a. Modal dasar 7.200.000,00 7.200.000,00 a a. Authorized capital
b. Modal yang belum disetor -/- (5.389.734,00) (5.389.734,00) a b. Unpaid-in capital -/-
c. Saham yang dibeli kembali (treasury stock) -/- - - c. Shares repurchased (treasury stock) -/-
17 Tambahan modal disetor Additional paid-in capital
a. Agio 4.140.843,00 4.140.843,00 a a. Agio
b. Disagio -/- - - b. Disagio -/-
c. Dana setoran modal - - c. Capital deposit fund
d. Lainnya - - d. More
Integated Report 2024
PT Bank Maspion Indonesia Tbk
339
Page 340
340
Laporan Posisi
Keuangan Konsolidasi
dengan cakupan
Laporan Posisi konsolidasi No. Ref. yang
Keuangan Publikasi berdasarkan ketentuan berasal dari
Published kehati-hatian Neraca
Statement of Consolidated Konsolidasi 1)
No Pos-pos Statement of Financial Posts
Financial Position Ref. No. derived
Position with coverage from the
of consolidation under Consolidated
prudential provisions Balance Sheet 1)
PT Bank Maspion Indonesia Tbk
Laporan Tahunan Terintegrasi 2024
31 Desember 2024 31 Desember 2024
December 31, 2024 December 31, 2024
18 Penghasilan komprehensif lain Other comprehensive income
a. Keuntungan 147.885,00 147.885,00 c a. Advantages
b. Kerugian (33.492,00) (33.492,00) b. Disadvantages
- OCI L/R Pensiun manfaat pasti aktuaria (30.940,00) (30.940,00) - OCI L/R Actuarial defined benefit
pension
- OCI L/R Aset Keuangan (2.551,00) (2.551,00) c - OCI L/R Financial Assets
19 Cadangan Reserve
a. Cadangan umum 28.000,00 28.000,00 c a. General reserves
b. Cadangan tujuan - - b. Purpose reserve
20 Laba/rugi Profit/loss
a. Tahun-tahun lalu 617.296,00 617.296,00 b a. Past years
b. Tahun berjalan (247.213,00) (247.213,00) b b. Current year
c. Dividen yang dibayarkan -/- - - c. Dividends paid -/-
TOTAL EKUITAS YANG DAPAT DIATRIBUSIKAN KEPADA - - TOTAL EQUITY ATTRIBUTABLE TO
PEMILIK OWNERS
TOTAL EKUITAS 6.463.585,00 6.463.585,00 TOTAL EQUITY
TOTAL LIABILITAS DAN EKUITAS 22.305.049,00 22.305.049,00 TOTAL LIABILITIES AND EQUITY
Analisa Kualitatif | Qualitative Analysis
Nilai Nominal yang tertera pada tabel rekonsiliasi permodalan sama dengan jumlah yang dilaporkan pada laporan publikasi posisi keuangan
Nominal value stated in the capital reconciliation table is the same as the amount reported in the published statement of financial position.
Risk Management
Manajemen Risiko
Page 341
Tabel 7 : Table 7 :
Permodalan - Fitur Utama Instrumen Permodalan dan Instrumen Capital - Key Features of Capital Instruments and TLAC-Eligible
TLAC-Eligible (CCA) Instruments (CCA)
1 Penerbit PT. Bank Maspion Indonesia. Tbk Publisher
2 Nomor identifikasi Kode Emiten di Bursa : BMAS Identification number
Issuer Code on the Exchange:
BMAS
3 Hukum yang digunakan Hukum Indonesia Laws used
Indonesian Law
3a Sarana yang memungkinkan kewajiban NA Means by which the performance
pelaksanaan pada Bagian 13 dari Lembar obligations in Section 13 of the TLAC
Istilah TLAC tercapai (untuk instrument TLAC Term Sheet are achieved (for other valid
sah lainnya yang diatur oleh hukum asing) TLAC instruments governed by foreign
law)
Perlakuan Instrumen berdasarkan ketentuan KPMM
Instrument treatment based on CAR provisions
4 Pada saat masa transisi NA During the transition period
5 setelah masa transisi CET 1 after the transition period
6 Apakah instrumen eligible untuk Individu / Individu Whether the instrument is eligible for
Konsolidasi atau Konsolidasi dan Individu Individuals Individual / Consolidated or
Consolidated and Individual
7 Jenis Instrumen Saham Biasa Instrument Type
Ordinary Shares
8 Jumlah yang diakui dalam perhitungan KPMM 5.951.109,00 Amount recognized in CAR calculation
9 Nilai par dari instrumen 100 Par value of the instrument
10 Klasifikasi sesuai standar akuntansi keuangan ekuitas Classification according to financial
equity accounting standards
11 Tanggal penerbitan 11 Juli 2013 (IPO), 14 Oktober 2016 Date of issue
,10 Nopember 2022 (HMTED), 25
Oktober 2023 (HMETD)
July 11, 2013 (IPO), October 14,
2016, November 10, 2022
(Pre-emptive Rights), October 25,
2023 (Pre-emptive Rights)
12 Tidak ada jatuh tempo (perpetual) atau tidak ada jatuh tempo No maturity (perpetual) or with maturity
dengan jatuh tempo no maturity
13 Tanggal jatuh tempo tidak ada jatuh tempo Due date
no maturity
14 Eksekusi call option atas persetujuan Otoritas tidak Execution of call option upon approval
Jasa Keuangan no of the Financial Services Authority
15 Tanggal call option, jumlah penarikan dan NA Date of call option, withdrawal amount
persyaratan call and other terms of call option terms (if
option lainnya (bila ada) any)
16 Subsequent call option NA Subsequent call option
Kupon / dividen | Coupon/dividend
17 Dividen/ kupon dengan bunga tetap atau Floating Dividend/ coupon with fixed or floating
floating Floating interest
18 Tingkat dari coupon rate atau index lain yang NA The level of the coupon rate or other
menjadi acuan index to which it refers
19 Ada atau tidaknya dividend stopper NA Whether or not there is a dividend
stopper
20 Fully discretionary; partial atau mandatory NA Fully discretionary; partial or mandatory
21 Apakah terdapat fitur step up atau insentif lain NA Is there a step up feature or other
incentives
PT Bank Maspion Indonesia Tbk
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Risk Management
22 Non-kumulatif atau kumulatif Non cumulative Non-cumulative or cumulative
Non cumulative
23 Dapat dikonversi atau tidak dapat dikonversi Non converable Convertible or non-convertible
Non-convertible
24 Jika dapat dikonversi, sebutkan trigger NA If convertible, please specify the trigger
point-nya point
25 Jika dapat dikonversi apakah seluruh atau NA If convertible whether in whole or in part
sebagian
26 Jika dapat dikonversi, bagaimana rate NA If convertible, what is the conversion
konversinya rate
27 Jika dapat dikonversi; apakah mandatory atau NA If convertible; whether mandatory or
optional optional
28 Jika dapat dikonversi, sebutkan jenis NA If convertible, please specify the type of
instrumen konversinya conversion instrument
29 Jika dapat dikonversi, sebutkan issuer of NA If convertible, state the issuer of the
instrument it converts into instrument it converts into
30 Fitur write-down Tidak | No Write-down feature
31 Jika terjadi write-down, sebutkan trigger-nya NA If a write-down occurs, please state the
trigger
32 Jika terjadi write-down, apakah penuh atau NA If a write-down occurs, whether full or
sebagian partial
33 Jika terjadi write down; permanen atau NA If a write down occurs; permanent or
temporer temporary
34 Jika terjadi write down temporer, jelaskan NA If there is a temporary write down,
mekanisme write-up explain the write-up mechanism
34a Tipe subordinasi NA Subordination type
35 Hierarki instrumen pada saat likuidasi * Hierarchy of instruments upon
liquidation
36 Apakah terdapat fitur yang non-compliant Tidak | No Are there any non-compliant features
37 Jika Ya, jelaskan fitur yang non-compliant NA If Yes, describe the non-compliant
features
Analisa Kualitatif | Qualitative Analysis
* Pada saat likuidiasi, pengembalian investasi untuk pemegang saham hanya dapat terjadi jika seluruh kreditur Perseroan telah
menerima pembayaran
* At the time of liquidation, return of investment for shareholders can only occur if all creditors of the company have received payment.
8. Permodalan - Pengungkapan Kualitatif Mengenai Struktur 8. Capital - Qualitative Disclosures about Capital Structure and
Permodalan dan Kecukupan Permodalan Capital Adequacy
Penjelasan Pengungkapan Kualitatif mengenai struktur permodalan Explanation of Qualitative Disclosures regarding capital structure
dan kecukupan permodalan dijelaskan pada bagian Bab and capital adequacy is explained in the Risk Management
Manajemen Risiko Chapter.
9. Manajemen Risiko - Pengungkapan Pendekatan Manajemen 9. Risk Management - Disclosure of the Bank's Risk
Risiko Bank (OVA) Management Approach (OVA)
Penjelasan Pengungkapan Pendekatan Manajemen Risiko Bank Explanation of Disclosure of Bank's Risk Management Approach
(OVA) pada bagian Bab Manajemen Risiko (OVA) in the Risk Management Chapter section
PT Bank Maspion Indonesia Tbk
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Tabel 10 : Table 10 :
LAPORAN TOTAL EKSPOSUR DALAM RASIO PENGUNGKIT TOTAL EXPOSURE REPORT IN LEVERAGE RATIO
Kode Baris Jumlah
No Keterangan Description
Line Code Total
1 0101000000 Total aset di laporan posisi keuangan 22.768.575 Total assets in the statement of
pada laporan keuangan publikasi. financial position in the published
(nilai gross sebelum dikurangi CKPN). financial statements. (gross value
before deduction of CKPN).
2 0102000000 Penyesuaian untuk nilai penyertaan 0,00 Adjustment for investments in banks,
pada Bank, lembaga keuangan, financial institutions, insurance
perusahaan asuransi, dan/atau entitas companies, and/or other entities that
lain yang berdasarkan standar under financial accounting
akuntansi keuangan harus standards should be consolidated
dikonsolidasikan namun di luar but are outside the scope of
cakupan konsolidasi berdasarkan consolidation under the provisions
ketentuan Otoritas Jasa Keuangan. of the Financial Services Authority.
3 0103000000 Penyesuaian untuk nilai kumpulan 0,00 Adjustment for the value of the pool
aset keuangan yang mendasari yang of underlying financial assets that
telah dialihkan dalam sekuritisasi aset have been transferred in asset
yang memenuhi persyaratan jual securitization that meet the
putus sebagaimana diatur dalam requirements of a sell-off as
Peraturan Otoritas Jasa Keuangan stipulated in the Financial Services
mengenai prinsip kehati-hatian dalam Authority Regulation regarding
aktivitas sekuritisasi aset bagi bank prudential principles in asset
umum. Dalam hal aset keuangan securitization activities for
yang mendasari dimaksud telah commercial banks. In the event that
dikurangkan dari total aset pada the underlying financial assets have
laporan posisi keuangan maka angka been deducted from total assets in
pada baris ini adalah 0 (nol). the statement of financial position,
the number in this line is 0 (zero).
4 0104000000 Penyesuaian terhadap pengecualian 0,00 Adjustment to temporary exemption
sementara atas penempatan giro of current accounts with Bank
pada Bank Indonesia dalam rangka Indonesia in order to fulfill the
memenuhi ketentuan giro wajib minimum reserve requirements (if
minimum (jika ada). any).
5 0105000000 Penyesuaian untuk aset fidusia yang 0,00 Adjustments for fiduciary assets
diakui sebagai komponen laporan recognized as a component of the
posisi keuangan berdasarkan standar statement of financial position under
akuntansi keuangan namun financial accounting standards but
dikeluarkan dari perhitungan total excluded from the calculation of
eksposur dalam Rasio Pengungkit. total exposure in the Leverage Ratio.
6 0106000000 Penyesuaian untuk nilai pembelian 0,00 Adjustments to the value of regularly
atau penjualan aset keuangan secara purchased or sold financial assets
reguler dengan menggunakan using the trade date method of
metode akuntansi tanggal accounting.
perdagangan.
7 0107000000 Penyesuaian untuk nilai transaksi 0,00 Adjustment for cash pooling
cash pooling yang memenuhi transaction value that meets the
persyaratan sebagaimana diatur requirements as stipulated in this
dalam Peraturan Otoritas Jasa Financial Services Authority
Keuangan ini. Regulation.
8 0108000000 Penyesuaian untuk nilai eksposur 0,00 Adjustment for exposure value of
transaksi derivatif. derivative transactions.
9 0109000000 Penyesuaian untuk nilai eksposur SFT 0,00 Adjustment for SFT exposure value
sebagai contoh transaksi reverse as an example of reverse repo
repo. transaction.
10 0110000000 Penyesuaian untuk nilai eksposur 2.409.541,00 Adjustment for TRA exposure value
TRA yang telah dikalikan dengan multiplied by FKK.
FKK.
PT Bank Maspion Indonesia Tbk
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Manajemen Risiko
Risk Management
Kode Baris Jumlah
No Keterangan Description
Line Code Total
11 0111000000 Penyesuaian penilaian prudensial (570.173,00) Prudential assessment adjustments
berupa faktor pengurang modal dan in the form of capital deduction
CKPN. factors and CKPN.
12 0112000000 Penyesuaian lainnya. - Other adjustments.
13 0199000000 Total Eksposur dalam perhitungan 24.607.943,00 Total Exposure in the Leverage
Rasio Pengungkit. Ratio calculation.
Analisis Kualitatif Pada Periode Desember 2024. Total Aset Bank pada laporan
Qualitative Analysis keuangan Publikasi (sebelum dikurangi CKPN) sebesar Rp.
22.768.575 juta. Setelah penyesuaian dari nilai eksposure TRA yang
dikalikan dengan FKK dan penyesuaian prudensial berupa faktor
pengurang modal dan ckpn maka eksposure rasio pengungkit
adalah Rp 24.607.943 juta
As of December 2024. The Bank's total assets in the published
financial statements (before deducting CKPN) amounted to Rp.
22,768,575 million. After adjustment of the TRA exposure value
multiplied by FKK and prudential adjustments in the form of capital
deduction factors and CKPN, the leverage ratio exposure is IDR
24,607,943 million.
Kode Baris Periode | Period
No Keterangan Description
Line Code T T-1
0201000000 Eksposur Aset dalam Laporan Posisi Keuangan
Asset Exposure in the Statement of Financial Position
1 0201010000 Eksposur aset dalam laporan posisi 21.885.712,00 21.586.972,00 Asset exposures in the
keuangan termasuk aset jaminan, statement of financial
namun tidak termasuk eksposur position include collateral
transaksi derivatif dan eksposur SFT assets, but exclude derivative
(Nilai gross sebelum dikurangi CKPN) transaction exposures and
SFT exposures.
(Gross value before
deduction of CKPN)
2 0201020000 Nilai penambahan kembali untuk 0,00 0,00 Re-additions to derivative
agunan derivatif yang diserahkan collateral assigned to
kepada pihak lawan yang counterparties that result in a
mengakibatkan penurunan total decrease in total asset
eksposur aset dalam neraca karena exposure in the balance
adanya penerapan standar akuntansi sheet due to the adoption of
keuangan a financial accounting
standard
3 0201030000 (Pengurangan atas piutang terkait 0,00 0,00 (Reduction of receivables
CVM yang diberikan dalam transaksi related to CVM provided in
derivatif) derivative transactions)
4 0201040000 (Penyesuaian untuk nilai tercatat surat 0,00 0,00 (Adjustment for carrying value
berharga yang diterima dalam of securities received under
eksposur SFT yang diakui sebagai SFT exposures recognized as
aset) assets)
5 0201050000 (CKPN atas aset tersebut sesuai (463.525,00) (234.462,00) (CKPN on such assets in
standar akuntansi keuangan) accordance with financial
accounting standards)
6 0201060000 (Aset yang telah diperhitungkan (4.668,00) (4.848,00) (Assets that have been
sebagai faktor pengurang Modal Inti calculated as a deduction
sebagaimana dimaksud dalam factor for Tier 1 Capital as
Peraturan Otoritas Jasa Keuangan referred to in the Financial
mengenai kewajiban penyediaan Services Authority Regulation
modal minimum bagi bank umum) regarding the minimum
capital requirement for
commercial banks)
7 0201990000 Total Eksposur aset dalam laporan 21.417.519,00 21.347.662,00 Total Asset exposure in the
posisi keuangan statement of financial
position
PT Bank Maspion Indonesia Tbk
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Kode Baris Periode | Period
No Keterangan Description
Line Code T T-1
0202000000 Eksposur Transaksi Derivatif
Derivative Transaction Exposure
8 0202010000 Nilai RC untuk seluruh transaksi 0,00 0,00 RC value for all derivative
derivatif baik dalam hal terdapat transactions whether there is
variation margin yang memenuhi a qualifying variation margin
syarat ataupun terdapat perjanjian or a qualifying offsetting
saling hapus yang memenuhi agreement.
persyaratan tertentu
9 0202020000 Nilai penambahan yang merupakan 0,00 0,00 The incremental value that
PFE untuk seluruh transaksi derivatif constitutes the PFE for all
derivative transactions
10 0202030000 (Pengecualian atas eksposur 0,00 0,00 (Exclusion of derivative
transaksi derivatif yang diselesaikan transaction exposures settled
melalui central counterparty (CCP)) through central counterparty
(CCP))
11 0202040000 Penyesuaian untuk nilai nosional 0,00 0,00 Adjustment for effective
efektif dari derivatif kredit notional value of credit
derivatives
12 0202050000 (Penyesuaian untuk nilai nosional 0,00 0,00 (Adjustment for effective
efektif yang dilakukan saling hapus notional value offset and
dan pengurangan add-on untuk reduction of add-on for sale
transaksi penjualan derivatif kredit) of credit derivatives)
13 0202990000 Total Eksposur Transaksi Derivatif 0,00 0,00 Total Derivative Transaction
Exposure
0203000000 Eksposur Securities Financing Transaction (SFT)
Securities Financing Transaction (SFT) Exposure
14 0203010000 Nilai tercatat aset SFT secara gross 792.724,00 1.004.436,00 Gross carrying amount of SFT
assets
15 0203020000 (Nilai bersih antara liabilitas kas dan 0,00 0,00 (Net value of cash liabilities
tagihan kas) and cash receivables)
16 0203030000 Risiko Kredit akibat kegagalan pihak 0,00 0,00 Credit Risk due to
lawan terkait aset SFT yang mengacu counterparty failure related to
pada perhitungan current exposure SFT assets which refers to
sebagaimana diatur dalam Lampiran the calculation of current
Peraturan Otoritas Jasa Keuangan ini exposure as stipulated in the
Appendix of this Financial
Services Authority Regulation
17 0203040000 Eksposur sebagai agen SFT 0,00 0,00 Exposure as an SFT agent
18 0203990000 Total Eksposur SFT 792.724,00 1.004.436,00 Total SFT Exposure
0204000000 Eksposur Transaksi Rekening Administratif (TRA)
Administrative Account Transaction (TRA) Exposure
19 0204010000 Nilai seluruh kewajiban komitmen 2.713.636,00 3.333.542,00 Value of all commitment or
atau kewajiban kontinjensi. Nilai contingent liabilities. Gross
gross sebelum dikurangi CKPN. value before deduction of
CKPN.
20 0204020000 (Penyesuaian terhadap hasil perkalian (304.095,00) (369.235,00) (Adjustment to the result of
antara nilai kewajiban komitmen atau the multiplication between
kewajiban kontinjensi dan FKK the value of commitment
kemudian dikurangi CKPN) liabilities or contingent
liabilities and FKK then
deducted by CKPN)
21 0204030000 (CKPN atas TRA sesuai standar (11.841,00) (10.643,00) (provision for TRA in
akuntansi keuangan) accordance with financial
accounting standards)
22 0204990000 Total Eksposur TRA 2.397.700,00 2.953.664,00 Total TRA Exposure
PT Bank Maspion Indonesia Tbk
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Manajemen Risiko
Risk Management
Kode Baris Periode | Period
No Keterangan Description
Line Code T T-1
0205000000 Modal dan Total Eksposur
Capital and Total Exposure
23 0205010000 Modal Inti 6.240.084,00 6.515.166,00 Tier 1 Capital
24 0205990000 Total Eksposur 24.607.943,00 25.305.762,00 Total Exposure
0206000000 Rasio Pengungkit (Leverage)
Leverage Ratio
25 0206010000 Nilai Rasio Pengungkit, termasuk 25,36% 25,75% Leverage Ratio, including the
dampak dari penyesuaian terhadap impact of any adjustments to
pengecualian sementara atas the temporary exemption of
penempatan giro pada Bank current accounts with Bank
Indonesia dalam rangka memenuhi Indonesia in order to fulfill the
ketentuan giro wajib minimum (jika minimum reserve
ada) requirements (if any)
25a 0206020000 Nilai Rasio Pengungkit, tidak 25,36% 25,75% Leverage Ratio, excluding the
termasuk dampak dari penyesuaian impact of temporary
terhadap pengecualian sementara exemption of current
atas penempatan giro pada Bank accounts with Bank Indonesia
Indonesia dalam rangka memenuhi in order to fulfill the minimum
ketentuan giro wajib minimum (jika reserve requirements (if any).
ada)
26 0206030000 Nilai Minimum Rasio Pengungkit 3,00 3,00 Minimum Leverage Ratio
27 0206040000 Bantalan terhadap nilai Rasio 0,00 0,00 Bearing to Leverage Ratio
Pengungkit value
0207000000 Pengungkapan Nilai Rata-Rata
Disclosure Average Value
28 0207010000 Nilai rata-rata dari nilai tercatat aset 1.247.404,00 1.382.231,00 The average of the gross
SFT secara gross, setelah carrying amount of SFT
penyesuaian untuk transaksi assets, after adjustment for
akuntansi penjualan (sale accounting sale accounting transactions
transaction) yang dihitung secara calculated on a net basis with
bersih (nett) dengan liabilitas kas cash liabilities in SFTs and
dalam SFT dan tagihan kas dalam cash receivables in SFTs.
SFT
29 0207020000 Nilai akhir triwulan laporan dari nilai 792.724,00 1.004.436,00 Reporting quarter-end value
tercatat aset SFT secara gross, of gross carrying amount of
setelah penyesuaian untuk transaksi SFT assets, after adjustment
akuntansi penjualan (sale accounting for sale accounting
transaction) yang dihitung secara transactions calculated on a
bersih (nett) dengan liabilitas kas net basis with cash liabilities
dalam SFT dan tagihan kas dalam in SFTs and cash receivables
SFT in SFTs.
30 0207030000 Total Eksposur, termasuk dampak 24.607.943,00 25.305.762,00 Total Exposure, including the
dari penyesuaian terhadap impact of any adjustments to
pengecualian sementara atas the temporary exemption of
penempatan giro pada Bank current accounts with Bank
Indonesia dalam rangka memenuhi Indonesia in order to fulfill the
ketentuan giro wajib minimum (jika minimum reserve
ada), yang telah memasukkan nilai requirements (if any), which
rata-rata dari nilai tercatat aset SFT has included the average
secara gross sebagaimana dimaksud value of the gross carrying
dalam baris 28 amount of SFT assets as
referred to in line 28.
30a 0207040000 Total Eksposur, tidak termasuk 25.400.667,00 26.310.198,00 Total Exposure, excluding the
dampak dari penyesuaian terhadap impact of any adjustments to
pengecualian sementara atas the temporary exemption of
penempatan giro pada Bank current accounts with Bank
Indonesia dalam rangka memenuhi Indonesia in order to fulfill the
ketentuan giro wajib minimum (jika minimum reserve
ada), yang telah memasukkan nilai requirements (if any), which
rata-rata dari nilai tercatat aset SFT has incorporated the average
secara gross sebagaimana dimaksud value of the gross carrying
dalam baris 28 amount of SFT assets as
referred to in line 28.
PT Bank Maspion Indonesia Tbk
346 Laporan Tahunan Terintegrasi 2024
Page 347
Kode Baris Periode | Period
No Keterangan Description
Line Code T T-1
31 0207050000 Nilai Rasio Pengungkit, termasuk 25,36% 25,75% Leverage Ratio, including the
dampak dari penyesuaian terhadap impact of any adjustment to
pengecualian sementara atas the temporary exemption of
penempatan giro pada Bank current accounts with Bank
Indonesia dalam rangka memenuhi Indonesia in order to fulfill the
ketentuan giro wajib minimum (jika minimum reserve
ada), yang telah memasukkan nilai requirements (if any), which
rata-rata dari nilai tercatat aset SFT has incorporated the average
secara gross sebagaimana dimaksud value of the gross carrying
dalam baris 28 amount of SFT assets as
referred to in line 28.
31a 0207060000 Nilai Rasio Pengungkit, tidak 24,57% 24,76% Leverage Ratio, excluding the
termasuk dampak dari penyesuaian impact of any adjustment to
terhadap pengecualian sementara the temporary exemption of
atas penempatan giro pada Bank current accounts with Bank
Indonesia dalam rangka memenuhi Indonesia in order to fulfill the
ketentuan giro wajib minimum (jika minimum reserve
ada), yang telah memasukkan nilai requirements (if any), which
rata-rata dari nilai tercatat aset SFT has incorporated the average
secara gross sebagaimana dimaksud value of the gross carrying
dalam baris 28 amount of SFT assets as
referred to in line 28.
Analisis Kualitatif Rasio leverage Bank posisi Desember 2024 adalah sebesar 25,36%
Qualitative Analysis mengalami penurunan jika dibandingkan dengan periode September
2024 yaitu sebesar 25,75% dikarenakan Modal inti bank menurun dari
Rp 6.515.166 juta pada Sep 24 menjadi Rp 6.240.084 juta pada Des 24.
Adapun Total Eksposure Bank menurun dari Rp 25.305.762 juta pada
Sep 24 menjadi Rp 24.607.943 juta pada Des 24. Rasio Leverage ratio
bank pada Des 24 masih di atas ketentuan regulator yaitu sebesar 3%
The bank's leverage ratio as of Dec 2024 amounted to 25.36%, a
decrease when compared to the September 2024 period which
amounted to 25.75% due to the bank's core capital decreased from Rp
6,515,166 million in Sep 24 to Rp 6,240,084 million in Dec 24. The
bank's Total Exposure decreased from Rp 25,305,762 million in Sep 24
to Rp 24,607,943 million in Dec 24. The bank's leverage ratio as of Dec
24 is still above the regulatory requirement of 3%.
PT Bank Maspion Indonesia Tbk
Integated Report 2024 347
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Manajemen Risiko
Risk Management
11. Pengungkapan Informasi Kualitatif terkait Risiko Kredit secara 11. Disclosure of Qualitative Information related to Credit Risk in
Umum (CRA) General (CRA)
Penjelasan Informasi Kualitatif terkait Risiko Kredit secara Umum Explanation of Qualitative Information related to Credit Risk in
(CRA) dijelaskan pada bagian Bab Manajemen Risiko General (CRA) is explained in the Risk Management Chapter.
Tabel 12 : Table 12 :
Pengungkapan Kualitas Kredit atas Aset (CR1) - Bank secara Disclosure of Credit Quality of Assets (CR1) - Individual Banks
Individu
dalam jutaan rupiah | in million rupiah
Nilai Tercatat Bruto CKPN
Gross Carrying Value CKPN
CKPN
Tagihan (Pendekatan
Tagihan yang IRB)
yang telah belum Nilai
CKPN CKPN Bersih
No. Jatuh Jatuh CKPN (IRB
tempo tempo Stage 2 & Net Value
Stage 1
Receivables Receivables Stage 3 Approach)
that have that are not
Matured yet
Matured
1 Kredit 532.704,08 15.905.550,21 463.372,78 250.557,78 212.815,00 15.974.881,51
Credit
2 Surat Berharga - 3.015.139,40 - - - 3.015.139,40
Securities
3 Transaksi Rekening 1.088,34 2.712.548,18 11.803,92 1,76 11.802,16 2.701.832,60
Administratif
Administrative Account
Transactions
Jumlah | Total 533.792,42 21.633.237,80 475.176,70 250.559,55 224.617,16 21.691.853,51
Tabel 13 : Table 13 :
Pengungkapan Mutasi Kredit dan Surat Berharga yang Telah Disclosure of Mutation of Past Due Loans and Securities (CR2)
Jatuh Tempo (CR2) - Bank secara Individu - Individual Banks
dalam jutaan rupiah | in million rupiah
1 Kredit dan Surat Berharga yang Telah Jatuh Tempo pada periode pelaporan terakhir 535.138,91
Loans and Securities that have matured in the last reporting period
2 Kredit dan Surat Berharga yang Telah Jatuh Tempo sejak periode pelaporan terakhir 2.434,83
Loans and Securities that have matured since the last reporting period
3 Kredit dan Surat Berharga yang kembali menjadi tagihan yang belum jatuh tempo -
Loans and securities returned to unmatured receivables
4 Nilai hapus buku 41.932,95
Write-off value
5 Perubahan lain -
Other changes
6 Kredit dan Surat Berharga yang Telah Jatuh Tempo pada akhir periode pelaporan (1+2-3-4+5) 495.640,79
Matured Loans and Securities at the end of reporting period (1+2-3-4+5)
PT Bank Maspion Indonesia Tbk
348 Laporan Tahunan Terintegrasi 2024
Page 349
Halaman Ini Sengaja Dikosongkan
This Page Is Intentionally Left Blank
PT Bank Maspion Indonesia Tbk
Integated Report 2024 349
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350
Tabel 14 :
Risiko Kredit - Pengungkapan Tambahan terkait Kualitas Kredit atas Aset (CRB) - Bank secara Individu
Credit Risk - Additional Disclosures related to Credit Quality of Assets (CRB) - Individual Banks
Tabel 14.1 :
Risiko Kredit - Pengungkapan Tagihan Bersih Berdasarkan Wilayah (CRB -1) - Bank secara Individu
Credit Risk - Disclosure of Net Receivables by Region (CRB -1) - Individual Banks
Pengungkapan Tagihan Bersih Berdasarkan Wilayah - Bank secara Individual | Disclosure of Net Receivables by Region - Bank on an Individual Basis
dalam jutaan rupiah | in million rupiah
PT Bank Maspion Indonesia Tbk
31 Desember 2024 | December 31, 2024
Laporan Tahunan Terintegrasi 2024
Tagihan Bersih Berdasarkan Wilayah | Net Receivables by Region
No. Kategori Portofolio Portfolio Category
Jawa Jawa
Jakarta Jawa Timur Bali Sulawesi Sumatera Total
Barat Tengah
1 Tagihan Kepada - - - 4.843.881,00 - - - 4.843.881,00 Receivables on Sovereigns
Pemerintah
2 Tagihan Kepada Entitas 1.785.307,00 - - - - - - 1.785.307,00 Receivables on Public Sector
Sektor Publik Entities
3 Tagihan Kepada Bank - - - - - - - - Receivables to Multilateral
Pembangunan Multilateral Development Banks and
dan Lembaga Internasional International Institutions
4 Tagihan Kepada Bank 4.004,00 - 16.373,00 217.900,00 21.724,00 - 11.941,00 271.942,00 Receivables on Banks
5 Tagihan berupa Covered - - - - - - - - Receivables by Covered Bond
Bond
6 Tagihan kepada 3.320.911,00 - - - - - - 3.320.911,00 Receivables to Securities
Perusahaan Efek dan Companies and Other
Lembaga Jasa Keuangan Financial Services Institutions
Lainnya
7 Tagihan berupa Surat - - - - - - - - Receivables in the form of
Berharga/Piutang Securities/Subordinated Debt,
Subordinasi, Ekuitas, dan Equity, and Other Capital
Instrumen Modal Lainnya Instruments
8 Kredit Beragun Properti 77.406,00 70.842,00 24.210,00 372.793,00 7.783,00 7.933,00 31.870,00 592.837,00 Residential Property Backed
Rumah Tinggal Loan
9 Kredit Beragun Properti 1.246.547,00 28.457,00 225.802,00 1.104.679,00 74.066,00 11.069,00 326.983,00 3.017.603,00 Commercial Property Backed
Komersial Loans
10 Kredit untuk Pengadaan - - - - - - - Loans for Land Acquisition,
Tanah, Pengolahan Tanah, Land Processing, and
dan Konstruksi Construction
Risk Management
Manajemen Risiko
11 Kredit Pegawai/Pensiunan - - - - - - - - Employee/Pensioner Loans
12 Tagihan Kepada Usaha 63.343,00 - 17.085,00 121.183,00 3.554,00 1.239,00 32.627,00 239.031,00 Receivables to Micro Business,
Mikro, Usaha Kecil dan Small Business and Retail
Portofolio Ritel Portfolio
Page 351
Pengungkapan Tagihan Bersih Berdasarkan Wilayah - Bank secara Individual | Disclosure of Net Receivables by Region - Bank on an Individual Basis
dalam jutaan rupiah | in million rupiah
31 Desember 2024 | December 31, 2024
Tagihan Bersih Berdasarkan Wilayah | Net Receivables by Region
No. Kategori Portofolio Portfolio Category
Jawa Jawa
Jakarta Jawa Timur Bali Sulawesi Sumatera Total
Barat Tengah
13 Tagihan kepada Korporasi 4.083.196,00 13.398,00 125.270,00 2.724.993,00 73.449,00 27.110,00 180.782,00 7.228.198,00 Receivables to Corporations
14 Tagihan yang Telah Jatuh 184.185,00 - 79.878,00 54.434,00 - 8.831,00 10.114,00 337.442,00 Past Due Receivables
Tempo
15 Aset Lainnya 254.985,00 20.279,00 81.338,00 712.452,00 37.135,00 18.960,00 29.570,00 1.154.719,00 Other Assets
TOTAL 11.019.884,00 132.976,00 569.956,00 10.152.315,00 217.711,00 75.142,00 623.887,00 22.791.871,00 TOTAL
Integated Report 2024
PT Bank Maspion Indonesia Tbk
351
Page 352
352
31 Desember 2023 | December 31, 2023
Tagihan Bersih Berdasarkan Wilayah | Net Receivables by Region
No. Kategori Portofolio Portfolio Category
Jawa
Jakarta Jawa Barat Jawa Timur Bali Sulawesi Sumatera Total
Tengah
1 Tagihan Kepada - - - 5.349.185,00 - - - 5.349.185,00 Receivables to
Pemerintah Government
2 Tagihan Kepada Entitas 1.074.172,00 - - - - - - 1.074.172,00 Receivables on
PT Bank Maspion Indonesia Tbk
Sektor Publik Public Sector Entities
Laporan Tahunan Terintegrasi 2024
3 Tagihan Kepada Bank - - - - - - - - Receivables to
Pembangunan Multilateral
Multilateral dan Development Banks
Lembaga Internasional and International
Institutions
4 Tagihan Kepada Bank - - 21.356,00 102.335,00 228,00 - - 123.919,00 Receivables on
Banks
5 Kredit Beragun Rumah 201.428,00 75.356,00 38.534,00 396.895,00 9.828,00 12.137,00 26.306,00 760.484,00 Residential
Tinggal Mortgage
6 Kredit Beragun Properti 1.661.941,00 56.309,00 258.807,00 1.317.922,00 108.938,00 15.887,00 358.587,00 3.778.391,00 Commercial Property
Komersial Backed Loans
7 Kredit Pegawai/ - - - - - - - - Employee/Pensioner
Pensiunan Loans
8 Tagihan Kepada Usaha 20.733,00 207,00 7.674,00 113.998,00 9.954,00 1.673,00 28.755,00 182.994,00 Receivables to Micro
Mikro, Usaha Kecil dan Business, Small
Portofolio Ritel Business and Retail
Portfolio
9 Tagihan kepada 4.915.524,00 630,00 129.332,00 2.387.631,00 40.324,00 27.110,00 129.099,00 7.629.650,00 Receivables to
Korporasi Corporations
10 Tagihan yang Telah 41.975,00 - 96.562,00 16.677,00 1.599,00 8.855,00 12.679,00 178.347,00 Past Due
Jatuh Tempo Receivables
11 Aset Lainnya 272.714,00 21.429,00 85.563,00 585.632,00 22.791,00 15.585,00 28.559,00 1.032.273,00 Other Assets
TOTAL 8.188.487,00 153.931,00 637.828,00 10.270.275,00 193.662,00 81.247,00 583.985,00 20.109.415,00 TOTAL
Risk Management
Manajemen Risiko
Page 353
Halaman Ini Sengaja Dikosongkan
This Page Is Intentionally Left Blank
PT Bank Maspion Indonesia Tbk
Integated Report 2024 353
Page 354
Manajemen Risiko
Risk Management
Tabel 14.2 :
Risiko Kredit - Pengungkapan Tagihan Bersih Berdasarkan Sektor Ekonomi (CRB-2) - Bank secara Individu
Credit Risk - Disclosure of Net Receivables by Economic Sector (CRB-2) - Individual Banks
Pengungkapan Tagihan Bersih Berdasarkan Sektor Ekonomi - Bank secara Individual
Disclosure of Net Receivables by Economic Sector - Bank on an Individual Basis
Tagihan Kepada
Bank
Tagihan
Pembangunan
berupa
Tagihan Tagihan Multilateral dan
Covered
Kepada Kepada Entitas Lembaga Tagihan
Bond
Sektor Ekonomi Pemerintah Sektor Publik Internasional Kepada Bank
No. Receivables
Economic Sector Receivables Receivables on Receivables to Receivables
in the form of
to Public Sector Multilateral on Banks
Covered
Government Entities Development
Bond
Banks and
International
Institutions
31 Desember 2024 | December 31, 2024
1 Pertanian, Kehutanan, dan Perikanan - - - - -
Agriculture, Forestry and Fisheries
2 Pertambangan dan Penggalian - - - - -
Mining and Quarrying
3 Industri pengolahan - - - - -
Processing industry
4 Pengadaan Listrik, Gas, Uap/Air Panas dan Udara - 322.184,00 - - -
Dingin
Procurement of Electricity, Gas, Steam/Hot Water
and Cold Air
5 Pengelolaan Air, Pengelolaan Air Limbah, - - - - -
Pengelolaan dan Daur Ulang Sampah, dan
Aktivitas Remediasi
Water Management, Wastewater Management,
Waste Management and Recycling, and
Remediation Activities
6 Konstruksi - 75.472,00 - - -
Construction
7 Perdagangan besar dan eceran; Reparasi dan - - - 3.004,00 -
Perawatan Mobil dan Sepeda Motor
Wholesale and retail trade; Repair and
maintenance of cars and motorcycles
8 Pengangkutan dan Pergudangan - 753.213,00 - - -
Transportation and Warehousing
9 Penyediaan Akomodasi dan Penyediaan Makan - - - - -
Minum
Accommodation and Drinking Food Provision
10 Informasi dan Komunikasi - 167.867,00 - - -
Information and Communication
11 Aktivitas Keuangan dan Asuransi 4.843.881,00 466.571,00 - 269.046,00 -
Financial and Insurance Activities
12 Real Estat - - - - -
Real Estate
13 Aktivitas Profesi, Ilmiah, dan Teknis - - - - -
Professional, Scientific and Technical Activities
PT Bank Maspion Indonesia Tbk
354 Laporan Tahunan Terintegrasi 2024
Page 355
dalam jutaan rupiah | in million rupiah
Tagihan
berupa Surat
Berharga/
Tagihan
Piutang Kredit untuk
kepada
Subordinasi, Pengadaan
Perusahaan
Ekuitas, dan Tanah, Tagihan
Efek dan
Instrumen Pengolahan Kepada Usaha
Lembaga Jasa Kredit Kredit
Modal Kredit Tanah, dan Mikro, Usaha Tagihan
Keuangan Beragun Pegawai/ Tagihan yang
Lainnya Beragun Konstruksi Kecil dan kepada
Lainnya Properti Pensiunan Telah Jatuh
Receivables Rumah Credit for Portofolio Ritel Korporasi Aset Lainnya
Receivables to Komersial Credit Tempo
in the form of Tinggal Land Receivables on Receivables Other Assets
Securities Commercial Employee/ Past Due
Securities Residential Acquisition, Micro Business, to
Companies and Property Retirees Receivables
Securities / Mortgage Land Small Business Corporations
Other Financial Backed Loans
Debt Processing, and Retail
Services
Subordinated and Portfolio
Institutions
Securities, Construction
Other Financial
Equity, and
Services
Capital
Instruments
Other
- - 601,00 11.218,00 - - 10.530,00 241.226,00 1.873,00 -
- - - 6.947,00 - - - 242.424,00 - -
- - 267.978,00 1.144.947,00 - - 111.184,00 3.752.106,00 167.833,00 -
- - - - - - - - - -
- - - - - - - - - -
- - 21.246,00 12.358,00 - - 1.593,00 48.029,00 - -
- - 179.956,00 1.101.380,00 - - 73.040,00 2.038.085,00 165.739,00 -
- - 6.953,00 50.162,00 - - 2.169,00 49.629,00 - -
- - 17.793,00 91.188,00 - - 794,00 251.655,00 - -
- - - 10.116,00 - - - 65.421,00 - -
3.320.803,00 - 1.111,00 - - - 455,00 15.011,00 - -
- - 10.726,00 173.463,00 - - - 70.237,00 - -
- - 24.400,00 53.959,00 - - - 4.011,00 465,00 -
PT Bank Maspion Indonesia Tbk
Integated Report 2024 355
Page 356
Manajemen Risiko
Risk Management
Pengungkapan Tagihan Bersih Berdasarkan Sektor Ekonomi - Bank secara Individual
Disclosure of Net Receivables by Economic Sector - Bank on an Individual Basis
Tagihan Kepada
Bank
Tagihan
Pembangunan
berupa
Tagihan Tagihan Multilateral dan
Covered
Kepada Kepada Entitas Lembaga Tagihan
Bond
Sektor Ekonomi Pemerintah Sektor Publik Internasional Kepada Bank
No. Receivables
Economic Sector Receivables Receivables on Receivables to Receivables
in the form of
to Public Sector Multilateral on Banks
Covered
Government Entities Development
Bond
Banks and
International
Institutions
14 Aktivitas Penyewaan dan Sewa Guna Usaha - - - - -
Tanpa Hak Opsi, Ketenagakerjaan, Agen
Perjalanan, dan Penunjang Usaha Lainnya
Rental and Leasing Activities without Option
Rights, Employment, Travel Agencies, and Other
Supporting Businesses
15 Administrasi Pemerintahan, Pertahanan, dan - - - - -
Jaminan Sosial Wajib
Government Administration, Defense, and
Compulsory Social Security
16 Pendidikan - - - - -
Education
17 Aktivitas Kesehatan Manusia dan Aktivitas Sosial - - - - -
Human Health and Social Activities
18 Kesenian, Hiburan, dan Rekreasi - - - - -
Arts, Entertainment and Recreation
19 Aktivitas Jasa Lainnya - - - - -
Other Service Activities
20 Aktivitas Rumah Tangga sebagai Pemberi Kerja; - - - - -
Aktivitas yang Menghasilkan Barang dan Jasa oleh
Rumah Tangga yang Digunakan untuk Memenuhi
Kebutuhan Sendiri
Activities of Households as Employers; Activities
that Produce Goods and Services by Households
Used to Meet Their Own Needs
21 Aktivitas Badan Internasional dan Badan Ekstra - - - - -
Internasional Lainnya
Activities of International and Other Extra-
International Bodies
22 Rumah Tangga - - - - -
Household
23 Bukan Lapangan Usaha Lainnya - - - - -
Other Non-Business Fields
24 Lainnya - - - - -
Others
TOTAL 4.843.881,00 1.785.307,00 - 272.050,00 -
PT Bank Maspion Indonesia Tbk
356 Laporan Tahunan Terintegrasi 2024
Page 357
dalam jutaan rupiah | in million rupiah
Tagihan
berupa Surat
Berharga/
Tagihan
Piutang Kredit untuk
kepada
Subordinasi, Pengadaan
Perusahaan
Ekuitas, dan Tanah, Tagihan
Efek dan
Instrumen Pengolahan Kepada Usaha
Lembaga Jasa Kredit Kredit
Modal Kredit Tanah, dan Mikro, Usaha Tagihan
Keuangan Beragun Pegawai/ Tagihan yang
Lainnya Beragun Konstruksi Kecil dan kepada
Lainnya Properti Pensiunan Telah Jatuh
Receivables Rumah Credit for Portofolio Ritel Korporasi Aset Lainnya
Receivables to Komersial Credit Tempo
in the form of Tinggal Land Receivables on Receivables Other Assets
Securities Commercial Employee/ Past Due
Securities Residential Acquisition, Micro Business, to
Companies and Property Retirees Receivables
Securities / Mortgage Land Small Business Corporations
Other Financial Backed Loans
Debt Processing, and Retail
Services
Subordinated and Portfolio
Institutions
Securities, Construction
Other Financial
Equity, and
Services
Capital
Instruments
Other
- - 7.807,00 35.543,00 - - - 400.441,00 - -
- - - - - - - - - -
- - - 28.537,00 - - 915,00 - - -
- - 3.838,00 201.780,00 - - 903,00 18.155,00 - -
- - - 56.589,00 - - - - - -
- - 743,00 10.558,00 - - 2.001,00 31.085,00 1.233,00 -
- - - - - - - - - -
- - - - - - - - - -
- - - - - - - - - -
- - 49.685,00 28.858,00 - - 35.447,00 683,00 299,00 -
- - - - - - - - - 1.154.719,00
3.320.803,00 - 592.837,00 3.017.603,00 - - 239.031,00 7.228.198,00 337.442,00 1.154.719,00
PT Bank Maspion Indonesia Tbk
Integated Report 2024 357
Page 358
Manajemen Risiko
Risk Management
Tagihan Kepada
Tagihan
Bank
Tagihan berupa
Pembangunan
Kepada Covered
Tagihan Multilateral dan Tagihan
Entitas Bond
Kepada Lembaga Kepada
Sektor Ekonomi Sektor Publik Receivables
No. Economic Sector
Pemerintah
Receivables
Internasional Bank
in the form
Receivables to Receivables to Receivables
on Public of
Government Multilateral on Banks
Sector Covered
Development Banks
Entities Bond
and International
Institutions
31 Desember 2023 | December 31, 2023
1 Pertanian, Kehutanan, dan Perikanan - - - - -
Agriculture, Forestry and Fisheries
2 Pertambangan dan Penggalian - - - - -
Mining and Quarrying
3 Industri pengolahan - - - - -
Processing industry
4 Pengadaan Listrik, Gas, Uap/Air Panas dan Udara - 308.212,00 - - -
Dingin
Procurement of Electricity, Gas, Steam/Hot Water
and Cold Air
5 Pengelolaan Air, Pengelolaan Air Limbah, - - - - -
Pengelolaan dan Daur Ulang Sampah, dan
Aktivitas Remediasi
Water Management, Wastewater Management,
Waste Management and Recycling, and
Remediation Activities
6 Konstruksi - - - - -
Construction
7 Perdagangan besar dan eceran; Reparasi dan - - - - -
Perawatan Mobil dan Sepeda Motor
Wholesale and retail trade; Repair and
maintenance of cars and motorcycles
8 Pengangkutan dan Pergudangan - 501.219,00 - - -
Transportation and Warehousing
9 Penyediaan Akomodasi dan Penyediaan Makan - - - - -
Minum
Accommodation and Drinking Food Provision
10 Informasi dan Komunikasi - 82.651,00 - - -
Information and Communication
11 Aktivitas Keuangan dan Asuransi 5.349.185,00 - - 123.919,00 -
Financial and Insurance Activities
12 Real Estat - - - - -
Real Estate
13 Aktivitas Profesi, Ilmiah, dan Teknis - 182.090,00 - - -
Professional, Scientific and Technical Activities
14 Aktivitas Penyewaan dan Sewa Guna Usaha - - - - -
Tanpa Hak Opsi, Ketenagakerjaan, Agen
Perjalanan, dan Penunjang Usaha Lainnya
Rental and Leasing Activities without Option
Rights, Employment, Travel Agencies, and Other
Supporting Businesses
PT Bank Maspion Indonesia Tbk
358 Laporan Tahunan Terintegrasi 2024
Page 359
Tagihan
berupa Surat
Berharga/
Tagihan
Piutang Kredit untuk
kepada
Subordinasi, Pengadaan Tagihan
Perusahaan
Ekuitas, dan Tanah, Kepada Usaha
Efek dan
Instrumen Pengolahan Mikro, Usaha
Lembaga Jasa Kredit Kredit
Modal Kredit Tanah, dan Kecil dan
Keuangan Beragun Pegawai/ Tagihan Tagihan yang
Lainnya Beragun Konstruksi Portofolio
Lainnya Properti Pensiunan kepada Telah Jatuh
Receivables Rumah Credit for Ritel Aset Lainnya
Receivables to Komersial Credit Korporasi Tempo
in the form of Tinggal Land Receivables Other Assets
Securities Commercial Employee/ Receivables to Past Due
Securities Residential Acquisition, on Micro
Companies and Property Retirees Corporations Receivables
Securities / Mortgage Land Business,
Other Financial Backed Loans
Debt Processing, Small
Services
Subordinated and Business and
Institutions
Securities, Construction Retail Portfolio
Other Financial
Equity, and
Services
Capital
Instruments
Other
- - 3.627,00 8.483,00 - - 6.026,00 2.523,00 2.491,00 -
- - - 8.370,00 - - - - - -
- - 273.359,00 - - 66.666,00 26.585,00 -
1.435.539,00 3.486.937,00
- - - - - - - - - -
- - - 173,00 - - - - - -
- - 62.778,00 15.594,00 - - 717,00 55.264,00 - -
- - 279.431,00 1.183.437,00 - - 75.671,00 138.290,00 -
2.071.460,00
- - 11.355,00 230.089,00 - - 3.051,00 16.095,00 - -
- - 31.379,00 216.637,00 - - 2.857,00 226.588,00 - -
- - 500,00 9.126,00 - - - - - -
- - 549,00 - - - - 1.435.717,00 - -
- - 11.552,00 209.340,00 - - 1.488,00 66.090,00 - -
- - 19.010,00 62.725,00 - - - 2.335,00 - -
- - 2.402,00 23.614,00 - - 2.482,00 227.712,00 - -
PT Bank Maspion Indonesia Tbk
Integated Report 2024 359
Page 360
Manajemen Risiko
Risk Management
Tagihan Kepada
Tagihan
Bank
Tagihan berupa
Pembangunan
Kepada Covered
Tagihan Multilateral dan Tagihan
Entitas Bond
Kepada Lembaga Kepada
Sektor Ekonomi Sektor Publik Receivables
No. Economic Sector
Pemerintah
Receivables
Internasional Bank
in the form
Receivables to Receivables to Receivables
on Public of
Government Multilateral on Banks
Sector Covered
Development Banks
Entities Bond
and International
Institutions
15 Administrasi Pemerintahan, Pertahanan, dan - - - - -
Jaminan Sosial Wajib
Government Administration, Defense, and
Compulsory Social Security
16 Pendidikan - - - - -
Education
17 Aktivitas Kesehatan Manusia dan Aktivitas Sosial - - - - -
Human Health and Social Activities
18 Kesenian, Hiburan, dan Rekreasi - - - - -
Arts, Entertainment and Recreation
19 Aktivitas Jasa Lainnya - - - - -
Other Service Activities
20 Aktivitas Rumah Tangga sebagai Pemberi Kerja - - - - -
Household Activities as an Employer
21 Aktivitas Badan Internasional dan Badan Ekstra - - - - -
Internasional Lainnya
Activities of International and Other Extra-
International Bodies
22 Bukan Lapangan Usaha - - - - -
Not a Business Field
23 Lainnya - - - - -
Others
TOTAL 5.349.185,00 1.074.172,00 - 123.919,00 -
PT Bank Maspion Indonesia Tbk
360 Laporan Tahunan Terintegrasi 2024
Page 361
Tagihan
berupa Surat
Berharga/
Tagihan
Piutang Kredit untuk
kepada
Subordinasi, Pengadaan Tagihan
Perusahaan
Ekuitas, dan Tanah, Kepada Usaha
Efek dan
Instrumen Pengolahan Mikro, Usaha
Lembaga Jasa Kredit Kredit
Modal Kredit Tanah, dan Kecil dan
Keuangan Beragun Pegawai/ Tagihan Tagihan yang
Lainnya Beragun Konstruksi Portofolio
Lainnya Properti Pensiunan kepada Telah Jatuh
Receivables Rumah Credit for Ritel Aset Lainnya
Receivables to Komersial Credit Korporasi Tempo
in the form of Tinggal Land Receivables Other Assets
Securities Commercial Employee/ Receivables to Past Due
Securities Residential Acquisition, on Micro
Companies and Property Retirees Corporations Receivables
Securities / Mortgage Land Business,
Other Financial Backed Loans
Debt Processing, Small
Services
Subordinated and Business and
Institutions
Securities, Construction Retail Portfolio
Other Financial
Equity, and
Services
Capital
Instruments
Other
- - - - - - - - - -
- - - 40.328,00 - - 606,00 1.758,00 - -
- - 4.385,00 209.461,00 - - 8.749,00 2.668,00 - -
- - - 67.381,00 - - - (1,00) - -
- - 1.802,00 10.374,00 - - 2.001,00 34.504,00 4.780,00 -
- - - - - - - - - -
- - - - - - - - - -
- - 58.355,00 47.720,00 - - 12.680,00 - 6.201,00 -
- - - - - - - - - 1.032.273,00
- - 760.484,00 3.778.391,00 - - 182.994,00 7.629.650,00 178.347,00 1.032.273,00
PT Bank Maspion Indonesia Tbk
Integated Report 2024 361
Page 362
362
Tabel 14.3: Table 14.3:
Risiko Kredit - Pengungkapan Tagihan Bersih Berdasarkan Sisa Jangka Waktu Credit Risk - Disclosure of Net Receivables by Remaining Contractual Term (CRB-3)
Kontrak (CRB-3) - Bank secara Individu - Individual Banks
Pengungkapan Tagihan Bersih Berdasarkan Sisa Jangka Waktu Kontrak - Bank secara Individual
Disclosure of Net Receivables by Remaining Contractual Term - Banks on an Individual Basis
dalam jutaan rupiah | in million rupiah
31 Desember 2024 | December 31, 2024
PT Bank Maspion Indonesia Tbk
Tagihan Berdasarkan Sisa Jangka Waktu Kontrak
Laporan Tahunan Terintegrasi 2024
Receivables Based on Remaining Contract Term
No. Kategori Portofolio Portfolio Category
Non-
> 1 thn s.d. 3 > 3 thn s.d. 5
≤ 1 tahun > 5 thn Kontraktual Jumlah
thn thn
≤ 1 year > 5 yrs Non- Total
> 1 yr to 3 yrs > 3 yrs to 5 yrs
Contractual
1 Tagihan Kepada Pemerintah - - 2.414.595,00 - 4.843.881,00 Receivables to Government
2.429.286,00
2 Tagihan Kepada Entitas Sektor 1.271.984,00 418.173,00 95.150,00 - - 1.785.307,00 Receivables on Public Sector Entities
Publik
3 Tagihan Kepada Bank - - - - - - Receivables to Multilateral Development
Pembangunan Multilateral dan Banks and International Institutions
Lembaga Internasional
4 Tagihan Kepada Bank 264.435,00 - 7.506,00 - - 271.941,00 Receivables on Banks
5 Tagihan berupa Covered Bond - - - - - - Covered Bond Receivables
6 Tagihan kepada Perusahaan 996.799,00 261.470,00 - - 3.320.912,00 Receivables from Securities Companies
Efek dan Lembaga Jasa 2.062.643,00 and Other Financial Services Institutions
Keuangan Lainnya
7 Tagihan berupa Surat Berharga/ - - - - - - Receivables in the form of Securities/
Piutang Subordinasi, Ekuitas, Subordinated Debt, Equity, and Other
dan Instrumen Modal Lainnya Capital Instruments
8 Kredit Beragun Properti Rumah 446.546,00 23.138,00 58.526,00 64.627,00 - 592.837,00 Residential Property Backed Loan
Tinggal
9 Kredit Beragun Properti 99.397,00 332.091,00 699.479,00 - 3.017.603,00 Commercial Property Backed Loans
Komersial 1.886.636,00
10 Kredit untuk Pengadaan Tanah, - - - - - - Loans for Land Acquisition, Land
Pengolahan Tanah, dan Processing, and Construction
Konstruksi
11 Kredit Pegawai/Pensiunan - - - - - - Employee/Pensioner Loans
Risk Management
Manajemen Risiko
Page 363
Pengungkapan Tagihan Bersih Berdasarkan Sisa Jangka Waktu Kontrak - Bank secara Individual
Disclosure of Net Receivables by Remaining Contractual Term - Banks on an Individual Basis
dalam jutaan rupiah | in million rupiah
31 Desember 2024 | December 31, 2024
Tagihan Berdasarkan Sisa Jangka Waktu Kontrak
Receivables Based on Remaining Contract Term
No. Kategori Portofolio Portfolio Category
Non-
> 1 thn s.d. 3 > 3 thn s.d. 5
≤ 1 tahun > 5 thn Kontraktual Jumlah
thn thn
≤ 1 year > 5 yrs Non- Total
> 1 yr to 3 yrs > 3 yrs to 5 yrs
Contractual
12 Tagihan Kepada Usaha Mikro, 181.589,00 35.860,00 10.491,00 11.091,00 - 239.031,00 Receivables on Micro Business, Small
Usaha Kecil dan Portofolio Ritel Business and Retail Portfolio
13 Tagihan kepada Korporasi 4.927.713,00 595.143,00 970.924,00 734.418,00 - 7.228.198,00 Receivables to Corporations
14 Tagihan yang Telah Jatuh 274.618,00 465,00 3.605,00 58.754,00 - 337.442,00 Past Due Receivables
Tempo
15 Aset Lainnya 6.091,00 59,00 1.347,00 30.785,00 1.116.437,00 1.154.719,00 Other Assets
TOTAL 13.751.541,00 2.169.034,00 1.741.110,00 4.013.749,00 1.116.437,00 22.791.871,00 TOTAL
Integated Report 2024
PT Bank Maspion Indonesia Tbk
363
Page 364
364
dalam jutaan rupiah | in million rupiah
31 Desember 2023 | December 31, 2023
Tagihan Berdasarkan Sisa Jangka Waktu Kontrak
Receivables Based on Remaining Contract Term
No. Kategori Portofolio Portfolio Category
Non-
≤ 1 tahun > 1 thn s.d. 3 > 3 thn s.d. 5 > 5 thn Kontraktual Jumlah
thn thn
≤ 1 year > 5 yrs Non- Total
> 1 yr to 3 yrs > 3 yrs to 5 yrs Contractual
PT Bank Maspion Indonesia Tbk
Laporan Tahunan Terintegrasi 2024
1 Tagihan Kepada 2.917.645,00 - - 2.431.540,00 - 5.349.185,00 Receivables to Government
Pemerintah
2 Tagihan Kepada Entitas 583.870,00 399.364,00 90.938,00 - - 1.074.172,00 Receivables on Public Sector Entities
Sektor Publik
3 Tagihan Kepada Bank - - - - - - Receivables to Multilateral Development
Pembangunan Banks and International Institutions
Multilateral dan
Lembaga Internasional
4 Tagihan Kepada Bank 114.411,00 - 9.508,00 - - 123.919,00 Receivables on Banks
5 Kredit Beragun Rumah 570.943,00 38.128,00 68.305,00 83.108,00 - 760.484,00 Residential Mortgage
Tinggal
6 Kredit Beragun Properti 2.340.314,00 142.957,00 340.550,00 954.570,00 - 3.778.391,00 Commercial Property Backed Loans
Komersial
7 Kredit Pegawai/ - - - - - - Employee/Pensioner Loans
Pensiunan
8 Tagihan Kepada Usaha 136.269,00 27.656,00 7.832,00 11.237,00 - 182.994,00 Receivables on Micro Business, Small
Mikro, Usaha Kecil dan Business and Retail Portfolio
Portofolio Ritel
9 Tagihan kepada 5.380.890,00 692.150,00 1.123.381,00 433.229,00 - 7.629.650,00 Receivables to Corporations
Korporasi
10 Tagihan yang Telah 150.031,00 2.347,00 6.265,00 19.704,00 - 178.347,00 Past Due Receivables
Jatuh Tempo
11 Aset Lainnya 13.853,00 292,00 719,00 8.911,00 1.008.498,00 1.032.273,00 Other Assets
TOTAL 12.208.226,00 1.302.894,00 1.647.498,00 3.942.299,00 1.008.498,00 20.109.415,00 TOTAL
Risk Management
Manajemen Risiko
Page 365
Tabel 14.4 : Table 14.4 :
Risiko Kredit - Pengungkapan Tagihan dan Pencadangan Credit Risk - Disclosure of Receivables and Provisions by Region
Berdasarkan Wilayah (CRB-4) - Bank secara Individu (CRB-4) - Individual Banks
Pengungkapan Tagihan dan Pencadangan Berdasarkan Wilayah - Bank secara Individual
Disclosure of Receivables and Provisions by Region - Bank Individually
dalam jutaan rupiah | in million rupiah
31 Desember 2024 | December 31, 2024
Wilayah | Region
No. Keterangan Description
Jawa
Jakarta Jawa Barat Jawa Timur Bali Sulawesi Sumatera Total
Tengah
1 Tagihan 11.164.761,00 132.976,00 586.530,00 10.176.743,00 217.711,00 81.803,00 627.005,00 22.987.529,00 Receivables
2 Tagihan yang Impaired Receivables
Mengalami
Penurunan Nilai
a. Belum jatuh tempo 193.007,00 88.060,00 5.819,00 130.894,00 - - 3.939,00 421.719,00 a. Not yet due
b. Telah jatuh tempo 328.954,00 - 96.450,00 78.579,00 - 15.492,00 13.232,00 532.707,00 b. Has matured
3 CKPN - Stage 1 161.805,00 311,00 4.153,00 49.656,00 2.081,00 532,00 6.213,00 224.751,00 CKPN - Stage 1
4 CKPN - Stage 2 37.232,00 10.768,00 13,00 6.807,00 - - 99,00 54.919,00 CKPN - Stage 2
5 CKPN - Stage 3 144.878,00 - 16.573,00 24.429,00 - 6.660,00 3.118,00 195.658,00 CKPN - Stage 3
6 Tagihan yang dihapus 6.661,00 1.434,00 10.522,00 27.276,00 2.774,00 2.500,00 - 51.167,00 Receivables written off
buku
Integated Report 2024
PT Bank Maspion Indonesia Tbk
365
Page 366
366
dalam jutaan rupiah | in million rupiah
31 Desember 2023 | December 31, 2023
Wilayah | Region
No. Keterangan Description
Jawa
Jakarta Jawa Barat Jawa Timur Bali Sulawesi Sumatera Total
Tengah
1 Tagihan 3.836.956,00 156.697,00 599.535,00 9.692.340,00 215.721,00 90.400,00 457.465,00 15.049.114,00 Receivables
Impaired Receivables
PT Bank Maspion Indonesia Tbk
2 Tagihan yang
Laporan Tahunan Terintegrasi 2024
Mengalami
Penurunan Nilai
a. Belum jatuh 4.895,00 - 5.842,00 109.624,00 4.609,00 - 1.644,00 126.614,00 a. Not yet due
tempo
b. Telah jatuh 35.230,00 - 3.125,00 23.458,00 2.774,00 13.185,00 4.964,00 82.736,00 b. Has matured
tempo
3 CKPN - Stage 1 9.167,00 287,00 1.309,00 8.556,00 402,00 202,00 801,00 20.724,00 CKPN - Stage 1
4 CKPN - Stage 2 39,00 - 461,00 9.200,00 355,00 - 218,00 10.273,00 CKPN - Stage 2
5 CKPN - Stage 3 7.295,00 - 1.154,00 7.203,00 1.032,00 4.329,00 740,00 21.753,00 CKPN - Stage 3
6 Tagihan yang - - - - - - - - Receivables written off
dihapus buku
Risk Management
Manajemen Risiko
Page 367
Tabel 14.5 : Table 14.5 :
Risiko Kredit - Pengungkapan Tagihan dan Pencadangan Credit Risk - Disclosure of Receivables and Provisions by
Berdasarkan Sektor Ekonomi (CRB-5) - Bank secara Individu Economic Sector (CRB-5) - Individual Banks
Pengungkapan Tagihan dan Pencadangan Berdasarkan Sektor Ekonomi - Bank secara Individual
Disclosure of Receivables and Provisions by Economic Sector - Bank on an Individual Basis
dalam jutaan rupiah | in million rupiah
Tagihan yang Mengalami Cadangan Cadangan
Cadangan
Penurunan Nilai kerugian kerugian
kerugian
Impaired Receivables penurunan penurunan
penurunan nilai (CKPN) nilai (CKPN) Tagihan yang
nilai (CKPN)
Tagihan - Stage2 - Stage3 dihapus buku
No. Sektor Ekonomi -Stage1 Economic Sector
Receivables impairment impairment Receivables
Belum Jatuh Telah Jatuh Allowance for loss loss written off
Tempo Tempo impairment allowance allowance
Not yet due Matured losses (CKPN)- (CKPN) (CKPN)
Stage1 - Stage2 - Stage3
31 Desember 2024 | December 31, 2024
1 Pertanian, Kehutanan, dan 266.171,00 - 2.596,00 4.019,00 - 724,00 - Agriculture, Forestry and
Perikanan Fisheries
2 Pertambangan dan Penggalian 249.371,00 - - 3.917,00 - - - Mining and Quarrying
3 Industri pengolahan 5.587.515,00 200.784,00 311.301,00 71.778,00 44.654,00 7.473,00 Processing industry
143.468,00
4 Pengadaan Listrik, Gas, Uap/ 322.184,00 - - 5.169,00 - - - Procurement of Electricity, Gas,
Air Panas dan Udara Dingin Steam/Hot Water and Cold Air
5 Pengelolaan Air, Pengelolaan - - - - - - - Water Management, Wastewater
Air Limbah, Pengelolaan dan Management, Waste
Daur Ulang Sampah, dan Management and Recycling, and
Aktivitas Remediasi Remediation Activities
6 Konstruksi 158.983,00 928,00 - 1.693,00 - 283,00 2.060,00 Construction
7 Perdagangan besar dan 3.611.624,00 142.387,00 216.050,00 39.602,00 7.389,00 50.420,00 29.052,00 Wholesale and retail trade;
eceran; Reparasi dan Repair and maintenance of cars
Perawatan Mobil dan Sepeda and motorcycles
Motor
8 Pengangkutan dan 862.126,00 - - 14.100,00 - - 1.799,00 Transportation and Warehousing
Pergudangan
9 Penyediaan Akomodasi dan 361.431,00 68.611,00 - 4.495,00 2.859,00 - - Accommodation and Drinking
Penyediaan Makan Minum Food Provision
10 Informasi dan Komunikasi 243.404,00 - - 3.508,00 - - - Information and Communication
Integated Report 2024
PT Bank Maspion Indonesia Tbk
367
Page 368
Pengungkapan Tagihan dan Pencadangan Berdasarkan Sektor Ekonomi - Bank secara Individual
368
Disclosure of Receivables and Provisions by Economic Sector - Bank on an Individual Basis
dalam jutaan rupiah | in million rupiah
Tagihan yang Mengalami Cadangan Cadangan
Cadangan
Penurunan Nilai kerugian kerugian
kerugian
Impaired Receivables penurunan penurunan
penurunan nilai (CKPN) nilai (CKPN) Tagihan yang
nilai (CKPN)
Tagihan - Stage2 - Stage3 dihapus buku
No. Sektor Ekonomi -Stage1 Economic Sector
Receivables impairment impairment Receivables
Belum Jatuh Telah Jatuh Allowance for loss loss written off
Tempo Tempo impairment allowance allowance
Not yet due Matured losses (CKPN)- (CKPN) (CKPN)
Stage1 - Stage2 - Stage3
11 Aktivitas Keuangan dan 8.916.881,00 - 3,00 60.989,00 - 3,00 - Financial and Insurance
Asuransi Activities
PT Bank Maspion Indonesia Tbk
Laporan Tahunan Terintegrasi 2024
12 Real Estat 254.426,00 - - 3.553,00 - - - Real Estate
13 Aktivitas Profesi, Ilmiah, dan 82.972,00 - 603,00 935,00 - 138,00 - Professional, Scientific and
Teknis Technical Activities
14 Aktivitas Penyewaan dan Sewa 443.791,00 - - 6.161,00 - - - Rental and Leasing Activities
Guna Usaha Tanpa Hak Opsi, without Option Rights,
Ketenagakerjaan, Agen Employment, Travel Agencies,
Perjalanan, dan Penunjang and Other Supporting
Usaha Lainnya Businesses
15 Administrasi Pemerintahan, - - - - - - - Government Administration,
Pertahanan, dan Jaminan Defense, and Compulsory Social
Sosial Wajib Security
16 Pendidikan 29.451,00 - - 419,00 - - - Education
17 Aktivitas Kesehatan Manusia 224.676,00 - - 2.838,00 - - - Human Health and Social
dan Aktivitas Sosial Activities
18 Kesenian, Hiburan, dan 56.589,00 - - 715,00 - - - Arts, Entertainment and
Rekreasi Recreation
19 Aktivitas Jasa Lainnya 46.234,00 - 1.846,00 481,00 - 613,00 2.039,00 Other Service Activities
20 Aktivitas Rumah Tangga - - - - - - - Activities of Households as
sebagai Pemberi Kerja; Employers; Activities that
Aktivitas yang Menghasilkan Produce Goods and Services by
Barang dan Jasa oleh Rumah Households Used to Meet Their
Tangga yang Digunakan untuk Own Needs
Memenuhi Kebutuhan Sendiri
21 Aktivitas Badan Internasional - - - - - - - Activities of International and
dan Badan Ekstra Internasional Other Extra-International Bodies
Lainnya
22 Rumah Tangga - - - - - - - Household
23 Bukan Lapangan Usaha 114.981,00 9.009,00 308,00 379,00 17,00 9,00 8.744,00 Other Non-Business Fields
Lainnya
24 Lainnya 1.154.719,00 - - - - - - Others
Risk Management
Manajemen Risiko
TOTAL 22.987.529,00 421.719,00 532.707,00 224.751,00 54.919,00 195.658,00 51.167,00 TOTAL
Page 369
dalam jutaan rupiah | in million rupiah
Tagihan yang Mengalami Cadangan Cadangan
Cadangan
Penurunan Nilai kerugian kerugian
kerugian
Impaired Receivables penurunan penurunan
penurunan nilai (CKPN) nilai (CKPN) Tagihan yang
nilai (CKPN)
Tagihan - Stage2 - Stage3 dihapus buku
No. Sektor Ekonomi -Stage1 Economic Sector
Receivables impairment impairment Receivables
Belum Jatuh Telah Jatuh Allowance for loss loss written off
Tempo Tempo impairment allowance allowance
Not yet due Matured losses (CKPN)- (CKPN) (CKPN)
Stage1 - Stage2 - Stage3
31 Desember 2023 | December 31, 2023
1 Pertanian, Kehutanan, dan 23.871,00 - 3.211,00 50,00 - 719,00 - Agriculture, Forestry and
Perikanan Fisheries
2 Pertambangan dan Penggalian 8.370,00 - - 4,00 - - - Mining and Quarrying
3 Industri pengolahan 5.306.703,00 268.549,00 43.018,00 5.456,00 26.559,00 17.618,00 - Processing industry
4 Pengadaan Listrik, Gas, Uap/ 308.212,00 - - 87,00 - - - Procurement of Electricity, Gas,
Air Panas dan Udara Dingin Steam/Hot Water and Cold Air
5 Pengelolaan Air, Pengelolaan 173,00 - - 1,00 - - - Water Management, Wastewater
Air Limbah, Pengelolaan dan Management, Waste
Daur Ulang Sampah Management and Recycling
6 Konstruksi 134.453,00 2.060,00 - 374,00 - 99,00 - Construction
7 Perdagangan besar dan 3.786.347,00 105.325,00 157.005,00 30.141,00 88,00 38.058,00 - Wholesale and retail trade;
eceran; Reparasi dan Repair and maintenance of cars
Perawatan Mobil dan Sepeda and motorcycles
Motor
8 Pengangkutan dan 763.303,00 593,00 1.336,00 3.501,00 - 1.494,00 - Transportation and Warehousing
Pergudangan
9 Penyediaan Akomodasi dan 477.462,00 74.488,00 - 2.889,00 2.336,00 - - Accommodation and Drinking
Penyediaan Makan Minum Food Provision
10 Informasi dan Komunikasi 92.276,00 - - 914,00 - - - Information and Communication
11 Aktivitas Keuangan dan 6.909.372,00 - 3,00 6.058,00 - 3,00 - Financial and Insurance
Asuransi Activities
12 Real Estat 288.470,00 - - 960,00 - - - Real Estate
13 Aktivitas Profesi, Ilmiah, dan 266.161,00 48.841,00 - 2.075,00 1.631,00 - - Professional, Scientific and
Teknis Technical Activities
14 Aktivitas Penyewaan dan Sewa 256.209,00 - - 1.576,00 - - - Rental and Leasing Activities
Guna Usaha Tanpa Hak Opsi, without Option Rights,
Ketenagakerjaan, Agen Employment, Travel Agencies,
Perjalanan, dan Penunjang and Other Supporting
Usaha Lainnya Businesses
Integated Report 2024
PT Bank Maspion Indonesia Tbk
369
Page 370
370
dalam jutaan rupiah | in million rupiah
Tagihan yang Mengalami Cadangan Cadangan
Cadangan
Penurunan Nilai kerugian kerugian
kerugian
Impaired Receivables penurunan penurunan
penurunan nilai (CKPN) nilai (CKPN) Tagihan yang
nilai (CKPN)
Tagihan - Stage2 - Stage3 dihapus buku
No. Sektor Ekonomi -Stage1 Economic Sector
Receivables impairment impairment Receivables
Belum Jatuh Telah Jatuh Allowance for loss loss written off
Tempo Tempo impairment allowance allowance
Not yet due Matured losses (CKPN)- (CKPN) (CKPN)
Stage1 - Stage2 - Stage3
15 Administrasi Pemerintahan, - - - - - - - Government Administration,
PT Bank Maspion Indonesia Tbk
Pertahanan, dan Jaminan Defense, and Compulsory Social
Laporan Tahunan Terintegrasi 2024
Sosial Wajib Security
16 Pendidikan 42.691,00 - - 70,00 - - - Education
17 Aktivitas Kesehatan Manusia 225.263,00 - - 742,00 - - - Human Health and Social
dan Aktivitas Sosial Activities
18 Kesenian, Hiburan, dan 67.381,00 - - 218,00 - - - Arts, Entertainment and
Rekreasi Recreation
19 Aktivitas Jasa Lainnya 54.067,00 - 5.386,00 190,00 - 606,00 - Other Service Activities
20 Aktivitas Rumah Tangga - - - - - - - Household Activities as an
sebagai Pemberi Kerja Employer
21 Aktivitas Badan Internasional - - - - - - - Activities of International and
dan Badan Ekstra Internasional Other Extra-International Bodies
Lainnya
22 Bukan Lapangan Usaha 128.537,00 7.050,00 9.728,00 519,00 33,00 3.582,00 - Not a Business Field
23 Lainnya 1.032.274,00 - - - - - - Others
TOTAL 20.171.595,00 506.906,00 219.687,00 55.825,00 30.647,00 62.179,00 - TOTAL
Risk Management
Manajemen Risiko
Page 371
Tabel 14.6 : Risiko Kredit - Pengungkapan Tagihan Berdasarkan Table 14.6 : Credit Risk - Disclosure of Receivables by Days
Hari Tunggakan (CRB-6) - Bank secara Individu Overdue (CRB-6) - Individual Banks
dalam jutaan rupiah | in million rupiah
31 Desember 2024 | December 31, 2024 31 Desember 2023 | December 31, 2023
Tagihan Berdasarkan Hari Tunggakan Tagihan Berdasarkan Hari Tunggakan
Receivables by Days in arrears Receivables by Days in arrears
Jenis Eksposur
No.
Exposure Type >90 hari s/d >120 hari >90 hari s/d 120 >120 hari s/d 180
120 hari s/d 180 hari >180 hari Jumlah hari hari >180 hari Jumlah
>90 days to >120 days to >180 days Total >90 days to 120 >120 days to 180 >180 days Total
120 days 180 days days days
1 Kredit yang termasuk dalam - 10.723,00 521.981,00 532.704,00 57.812,00 24.406,00 108.933,00 191.151,00
Tagihan yang telah Jatuh
Tempo
Loans included in Past Due
Receivables
2 Surat Berharga yang termasuk - - - - - - - -
dalam Tagihan yang telah
Jatuh Tempo
Securities included in Past Due
Receivables
TOTAL - 10.723,00 521.981,00 532.704,00 57.812,00 24.406,00 108.933,00 191.151,00
Integated Report 2024
PT Bank Maspion Indonesia Tbk
371
Page 372
372
Tabel 15 : Pengungkapan Tambahan terkait Perlakuan terhadap Aset Bermasalah (CRB-A) Table 15 : Additional Disclosures related to Treatment of Troubled Assets (CRB-A)
Tabel 15.1. Risiko Kredit - Pengungkapan Aset Performing dan Non Performing (CRB-A1) - Table 15.1. Credit Risk - Disclosure of Performing and Non Performing Assets (CRB-A1) -
Bank secara Individu Individual Banks
dalam jutaan rupiah | in million rupiah
Performing (Kualitas L & DPK) Non Performing (Kualitas KL, D, M)
Performing (L & DPK Quality) Non Performing (KL, D, M Quality)
Tagihan yang Mengalami
Tagihan yang Tidak Mengalami Penurunan Nilai
PT Bank Maspion Indonesia Tbk
Penurunan Nilai
Laporan Tahunan Terintegrasi 2024
Receivables that are not impaired
Impaired Receivables
Memiliki Tunggakan > 90 Memiliki Tunggakan ≤
No. hari 90 hari
Nilai Tercatat Bruto Nilai
CKPN Has arrears > 90 days Have arrears≤ 90 days
Gross Carrying Tercatat
CKPN
Value Bruto CKPN Nilai Nilai
Gross CKPN Tercatat Tercatat
Carrying Bruto CKPN Bruto CKPN
Value Gross CKPN Gross CKPN
Carrying Carrying
Value Value
1 Surat Berharga 3.015.139,00 - - - - - - -
Securities
2 Kredit
Credit
a. Korporasi 9.207.550,00 184.970,00 - - - - - -
a. Corporation
b. Ritel 6.695.566,00 231.638,00 535.139,00 195.655,00 - - - -
b. Retail
3 Transaksi Rekening Administratif 2.712.548,00 11.804,00 1.088,00 - - - - -
Administrative Account Transactions
Risk Management
Manajemen Risiko
Page 373
Tabel 15.2 Risiko Kredit - Pengungkapan Aset Restrukturisasi Performing dan Non- Table 15.2 Credit Risk - Disclosure of Performing and Non-Performing Restructured Assets
Performing (CRB-A2) - Bank secara Individu (CRB-A2) - Individual Banks
dalam jutaan rupiah | in million rupiah
Performing (Kualitas L & Non Performing
DPK) (Kualitas KL, D, M)
Stage 1 Stage 2 Stage 3
Performing (L & DPK Non Performing (KL, D,
Quality) M Quality)
No. Nilai Nilai Nilai Nilai Nilai
Tercatat Tercatat Tercatat Tercatat Tercatat
Bruto CKPN Bruto CKPN Bruto CKPN Bruto CKPN Bruto CKPN
Gross CKPN Gross CKPN Gross CKPN Gross CKPN Gross CKPN
Carrying Carrying Carrying Carrying Carrying
Value Value Value Value Value
1 Surat Berharga - - - - - - - - - -
Securities
2 Kredit
Credit
a. Korporasi 223.032,92 36.095,27 - - 92.567,25 1.491,02 130.465,68 34.604,26 - -
a. Corporation
b. Ritel 365.789,20 17.092,27 135.805,82 40.002,59 219.113,50 3.869,77 146.675,70 13.222,50 135.805,82 40.002,59
b. Retail
3 Transaksi Rekening Administratif - - - - - - - - - -
Administrative Account Transactions
Integated Report 2024
PT Bank Maspion Indonesia Tbk
373
Page 374
Manajemen Risiko
Risk Management
16. Pengungkapan Kualitatif 16. Qualitative Disclosure
terkait Teknik MRK (CRC) related to MRK Techniques (CRC)
Bank memiliki kebijakan dan prosedur mengenai agunan kredit yang The Bank has policies and procedures regarding loan collateral that
mengatur terkait jenis, persyaratan, serta penilaian agunan. Jenis dari regulate the types, requirements, and valuation of collateral. The
agunan yang diterima bank terdiri dari : types of collateral accepted by banks consist of:
- Physical Collateral berupa tanah, bangunan, kendaraan bermotor, - Physical Collateral in the form of land, buildings, motor vehicles,
mesin, persediaan, dan sebagainya; machinery, inventory, and so on;
- Financial Collateral berupa deposito dan cash margin; - Financial Collateral in the form of deposits and cash margin;
- Lainnya berupa garansi - Others in the form of guarantees
Bank melakukan pemantauan dan penilaian ulang agunan setiap 3 The Bank monitors and reassesses the collateral every 3 years with
tahun dengan kondisi : the following conditions:
- Kredit yang dilakukan perpanjangan tidak mengalami kenaikan - The credit extension does not increase
- Nilai Agunan tidak terjadi perubahan yang signifikan yang - Collateral value does not change significantly due to changes
dikarenakan terdapat perubahan kondisi dan status agunan in the condition and status of the collateral.
- Setelah Unit Bisnis melakukan kunjungan usaha setiap tahun - After the Business Unit conducts a business visit once a year,
sekali, maka unit bisnis wajib menginformasikan kepada Appraisal the business unit must inform the Appraisal about the condition
tentang kondisi dan status agunan and status of the collateral.
Dalam hal terdapat indikasi penurunan kolektibilias maka penilauan In the event that there is an indication of a decline in collectibility,
ulang dapat dilakukan lebih cepat. Dalam menghitung ATMR risiko the reassessment can be carried out more quickly. In calculating the
kredit dengan pendekatan standar, Bank mempertimbangan penggunaan credit risk RWA using the standardized approach, the Bank considers
Teknik Mitigasi Risiko Kredit (MRK) sesuai dengan ketentuan OJK the use of Credit Risk Mitigation Techniques (MRK) in accordance
with OJK regulations.
Tabel 17 : Pengungkapan Kuantitatif terkait Teknik MRK (CR3) Table 17: Quantitative Disclosures related to MRK Techniques
(CR3)
dalam jutaan rupiah | in million rupiah
Tagihan yang
Tagihan yang
Tagihan yang Dijamin dengan Tagihan yang
Tidak Dijamin Tagihan yang
Dijamin Garansi, Penjaminan Dijamin dengan
dengan Teknik Dijamin dengan
dengan dan/atau Derivatif Kredit
MRK Teknik MRK
No. Agunan Asuransi Kredit Receivables
Receivables that Receivables
Receivables Receivables Secured Secured by
are not secured Secured by MRK
Secured by by Guarantee, Credit
by MRK Techniques
Collateral Guarantee and/or Derivatives
techniques
Credit Insurance
1 Kredit 15.544.782,00 430.100,00 430.100,00 -
Credit
2 Surat Berharga 3.015.139,00 - - -
Securities
3 Jumlah 18.559.921,00 - 430.100,00 -
Total
4 Kredit dan Surat Berharga 337.332,00 - - -
yang Telah Jatuh Tempo
Past due loans and
securities
18. Pengungkapan Penggunaan Peringkat Kredit Eksternal (CRD) 18. Disclosure of Use of External Credit Ratings (CRD)
Kategori portfolio yang memiliki peringkat adalah tagihan kepada The portfolio categories that have ratings are receivables from public
entitas sektor publik dan tagihan jangka pendek kepada bank. Dalam sector entities and short-term receivables from banks. In calculating
perhitungan ATMR untuk risiko kredit, bank menggunakan peringkat RWA for credit risk, banks use ratings issued from rating agencies
yang diterbitkan dari lembaga pemeringkat yang telah diakui oleh that have been recognized by the Financial Services Authority based
Otoritas Jasa Keuangan berdasarkan Surat Edaran Otoritas Jasa on Circular Letter of the Financial Services Authority Number 37/
Keuangan Nomor 37/SEOJK.03/2016 tentang lembaga pemeringkat SEOJK.03/2016 concerning Rating Agencies and Ratings Recognized
dan Peringkat yang Diakui Otoritas Jasa Keuangan by the Financial Services Authority.
PT Bank Maspion Indonesia Tbk
374 Laporan Tahunan Terintegrasi 2024
Page 375
Tabel 19. Pengungkapan Eksposur Risiko Kredit dan Dampak Table 19. Disclosure of Credit Risk Exposure and Impact of MRK
Teknik MRK (CR4) - Bank secara Individu Techniques (CR4) - Individual Banks
dalam jutaan rupiah | in million rupiah
Tagihan Bersih Setelah
Tagihan Bersih Sebelum
penerapanFKK dan Teknik MRK
Penerapan FKK dan Teknik MRK ATMR dan Rata-Rata Bobot Risiko
Net Receivables After application
Net Receivables Before Application RWA and Average Risk Weight
of FKK and
of FKK and MRK Techniques
MRK Techniques
No. Kategori Portofolio Portfolio Category
Laporan Posisi Laporan Posisi
Rata-Rata Bobot
Keuangan Keuangan
TRA TRA ATMR Risiko
Statement of Statement of
TRA TRA RWA Average Risk
Financial Financial
Weight
Position Position
1 Tagihan kepada Pemerintah 4.051.157,00 - - - - - Receivables on Government
2 Tagihan kepada Entitas Sektor 1.765.515,00 187.780,00 1.765.515,00 9.896,00 1.770.463,00 99,72% Receivables on Public Sector Entities
Publik
3 Tagihan kepada Bank - - - - - - Multilateral Development Banks and
Pembangunan Multilateral dan International Institutions
Lembaga Internasional
4 Tagihan kepada Bank 266.604,00 53.386,00 67.495,00 2.135,00 20.023,00 28,76% Receivables on Banks
Tagihan kepada Perusahaan 3.307.989,00 129.218,00 1.323.196,00 5.169,00 531.346,00 40,00% Receivables from Securities Companies and
Efek dan Lembaga Jasa Other Financial Services Institutions1)
Keuangan Lain1)
5 Tagihan berupa Covered Bond - - - - - - Covered Bond Receivables
6 Tagihan kepada Korporasi - 7.062.709,00 1.391.917,00 6.714.912,00 156.500,00 6.871.412,00 100,00% Receivables to Corporates - General
Eksposur Korporasi Umum 2) Corporate Exposure 2)
Tagihan kepada perusahaan - - - - - - Receivables from securities companies and
efek dan lembaga jasa keuangan other financial service institutions3)
lain3)
Eksposur Pembiayaan Khusus4) - - - - - - Special Financing Exposure4)
7 Tagihan berupa Surat Berharga/ - - - - - - Receivables in the form of Securities/
Piutang Subordinasi, Ekuitas, dan Subordinated Debt, Equity, and Other Capital
Instrumen Modal Lainnya Instruments
8 Tagihan kepada Usaha Mikro, 228.123,00 54.886,00 109.703,00 6.866,00 87.427,00 75,00% Receivables on Micro Business, Small
Usaha Kecil, dan Portofolio Ritel Business and Retail Portfolio
9 Kredit Beragun Properti - - - - - - Property-Backed Credit
Kredit Beragun Properti Rumah 583.799,00 90.381,00 175.140,00 2.711,00 53.355,00 30,00% Residential property-backed loans whose
Tinggal yang Pembayarannya repayment is not materially dependent on
Tidak Bergantung Secara property cash flows
Material pada Arus Kas Properti
Integated Report 2024
PT Bank Maspion Indonesia Tbk
Kredit Beragun Properti Rumah - - - - - - Residential Property Backed Loans whose
Tinggal yang Pembayarannya Payments Depend Materially on Property
Bergantung Secara Material Cash Flows
375
pada Arus Kas Properti
Page 376
376
dalam jutaan rupiah | in million rupiah
Tagihan Bersih Setelah
Tagihan Bersih Sebelum
penerapanFKK dan Teknik MRK
Penerapan FKK dan Teknik MRK ATMR dan Rata-Rata Bobot Risiko
Net Receivables After application
Net Receivables Before Application RWA and Average Risk Weight
of FKK and
of FKK and MRK Techniques
MRK Techniques
No. Kategori Portofolio Portfolio Category
Laporan Posisi Laporan Posisi
Rata-Rata Bobot
Keuangan Keuangan
TRA TRA ATMR Risiko
Statement of Statement of
TRA TRA RWA Average Risk
Financial Financial
Weight
Position Position
PT Bank Maspion Indonesia Tbk
Kredit Beragun Properti 2.937.105,00 804.980,00 2.202.491,00 60.359,00 1.697.137,00 75,00% Commercial Property-Backed Loans whose
Laporan Tahunan Terintegrasi 2024
Komersial yang Pembayarannya Payments are Not Materially Dependent on
Tidak Bergantung Secara Property Cash Flows
Material pada Arus Kas Properti
Kredit Beragun Properti - - - - - - Commercial Property-Backed Loans whose
Komersial yang Pembayarannya Payments Depend Materially on Property
Bergantung Secara Material Cash Flows
pada Arus Kas Properti
Kredit Pengadaan Tanah, - - - - - - Land Acquisition, Land Processing, and
Pengolahan Tanah, dan Construction Loans
Konstruksi
10 Tagihan yang Telah Jatuh Tempo 337.332,00 1.088,00 337.332,00 163,00 337.577,00 100.00% Past Due Receivables
11 Aset Lainnya - - - - - - Other Assets
Total 20.540.333,00 2.713.636,00 12.695.784,00 243.799,00 11.368.740,00 5,49 Total
Tabel 20. Pengungkapan Eksposur berdasarkan Kelas Aset dan Table 20. Exposure Disclosure by Asset Class and Risk Weight
Bobot Risiko (CR5) - Bank secara Individu (CR5) - Individual Banks
dalam jutaan rupiah | in million rupiah
Kategori Portofolio Lainnya Tagihan Bersih Setelah FKK dan Teknik MRK
No. 0% 20% 50% 100% 150%
Portfolio Category Others Net Receivables After FKK and MRK Techniques
1 Tagihan kepada Pemerintah - - - - - - -
Receivables on Government
Kategori Portofolio Lainnya Tagihan Bersih Setelah FKK dan Teknik MRK
No. 20% 50% 100% 150%
Portfolio Category Others Net Receivables After FKK and MRK Techniques
2 Tagihan kepada Entitas Sektor Publik - 9.895,80 1.765.515,00 - - 1.775.410,80
Receivables on Public Sector Entities
Risk Management
Manajemen Risiko
Page 377
Kategori Portofolio Lainnya Tagihan Bersih Setelah FKK dan Teknik MRK
No. 0% 20% 30% 50% 100% 150%
Portfolio Category Others Net Receivables After FKK and MRK Techniques
3 Tagihan kepada Bank Pembangunan - - - - - - - -
Multilateral dan Lembaga Internasional
Receivables to Multilateral
Development Banks and International
Institutions
Kategori Portofolio Lainnya Tagihan Bersih Setelah FKK dan Teknik MRK
No. 20% 30% 40% 50% 75% 100% 150%
Portfolio Category Others Net Receivables After FKK and MRK Techniques
4 Tagihan kepada Bank - 30.484,64 - - - - - 69.630,84
Receivables on Banks 39.146,20
Tagihan kepada Perusahaan Efek dan - - 1.328.364,32 - - - - - 1.328.364,32
Lembaga Jasa Keuangan Lain1)
Receivables to Securities Companies
and Other Financial Services
Institutions1)
Kategori Portofolio Lainnya Tagihan Bersih Setelah FKK dan Teknik MRK
No. 10% 15% 20% 25% 35% 50% 100%
Portfolio Category Others Net Receivables After FKK and MRK Techniques
5 Tagihan berupa Covered Bond - - - - - - - - -
Covered Bond Receivables
Tagihan Bersih Setelah
Kategori Portofolio Lainnya FKK dan Teknik MRK
No. 20% 50% 65%5) 75% 80% 85% 100% 130% 150%
Portfolio Category Others Net Receivables After FKK
and MRK Techniques
6 Tagihan kepada Korporasi - - - - - - - 6.871.412,00 - - - 6.871.412,00
Eksposur Korporasi Umum 2)
Receivables to Corporates -
General Corporate Exposure 2)
Tagihan kepada perusahaan efek
dan lembaga jasa keuangan lain3)
Receivables on securities
companies and other financial
service institutions3)
Eksposur Pembiayaan Khusus4) - - - - - - - - -
Special Financing Exposure4)
Integated Report 2024
PT Bank Maspion Indonesia Tbk
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Manajemen Risiko
Risk Management
Tagihan Bersih
Setelah FKK dan
Kategori Portofolio Lainnya Teknik MRK
No. 100% 150% 250% 400%5)
Portfolio Category Others Net Receivables
After FKK and MRK
Techniques
7 Tagihan berupa Surat Berharga/Piutang - - - - - -
Subordinasi, Ekuitas, dan Instrumen Modal
Lainnya
Receivables in the form of Securities/
Subordinated Debt, Equity, and Other Capital
Instruments
Tagihan Bersih
Setelah FKK dan
Kategori Portofolio Lainnya Teknik MRK
No. 100% 150% 250% 400%5)
Portfolio Category Others Net Receivables
After FKK and MRK
Techniques
8 Tagihan kepada Usaha Mikro, Usaha Kecil, dan - - - - 116.570,00
Portofolio Ritel 116.570,00
Receivables on Micro Business, Small
Business and Retail Portfolio
Kategori Portofolio
No. 0%5) 20% 25% 30% 35% 40% 45% 50% 60%
Portfolio Category
9 Kredit Beragun Properti
Property-Backed Credit
Kredit Beragun Properti Rumah Tinggal - - - 177.851,13 - -
yang Pembayarannya Tidak Bergantung
Secara Material pada Arus Kas Properti
Residential property-backed loans whose
repayment is not materially dependent on
property cash flows
tanpa pendekatan pembagian kredit5) - - - - - -
without credit sharing approach5)
dengan menggunakan pendekatan -
pembagian kredit (dijamin)5)
using the credit sharing approach
(guaranteed)5)
dengan menggunakan pendekatan - - - - - -
pembagian kredit (dijamin)5)
using the credit sharing approach
(guaranteed)5)
Kredit Beragun Properti Rumah Tinggal - - - -
yang Pembayarannya Bergantung Secara
Material pada Arus Kas Properti
Residential Property Backed Loans whose
Payments Depend Materially on Property
Cash Flows
Kredit Beragun Properti Komersial yang - - -
Pembayarannya Tidak Bergantung Secara
Material pada Arus Kas Properti
Commercial Property Backed Loans
whose Payments are Not Materially
Dependent on Property Cash Flows
PT Bank Maspion Indonesia Tbk
378 Laporan Tahunan Terintegrasi 2024
Page 379
Tagihan Bersih
Setelah FKK dan
Lainnya Teknik MRK
65%5) 70% 75% 85% 90% 100% 105% 110% 150%
Others Net Receivables
After FKK and
MRK Techniques
- - - - - - - 177.851,13
- - - - - - - -
- -
- - - - - - -
- - - - - -
2.262.849,00 - - - - 2.262.849,00
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Manajemen Risiko
Risk Management
Kategori Portofolio
No. 0%5) 20% 25% 30% 35% 40% 45% 50% 60%
Portfolio Category
tanpa pendekatan pembagian kredit5) - - - - - -
without credit sharing approach5)
dengan menggunakan pendekatan -
pembagian kredit (dijamin)5)
using the credit sharing approach
(guaranteed)5)
dengan menggunakan pendekatan - - - - -
pembagian kredit (dijamin)5)
using the credit sharing approach
(guaranteed)5)
Kredit Beragun Properti Komersial yang
Pembayarannya Bergantung Secara
Material pada Arus Kas Properti
Commercial Property-Backed Loans
whose Payments are Materially
Dependent on Property Cash Flows
Kredit Pengadaan Tanah, Pengolahan
Tanah, dan Konstruksi5)
Land Acquisition, Land Processing, and
Construction Loans5)
Tagihan Bersih Setelah
Kategori Portofolio Lainnya FKK dan Teknik MRK
No. 50% 100% 150%
Portfolio Category Others Net Receivables After FKK
and MRK Techniques
10 Tagihan yang Telah Jatuh Tempo - 337.332,00 163,20 - 337.495,20
Past Due Receivables
Tagihan Bersih
Setelah FKK
dan Teknik
Kategori Portofolio Lainnya MRK
No. 0% 20% 100% 150% 1250%5)
Portfolio Category Others Net Receivables
After FKK and
MRK
Techniques
11 Aset Lainnya - - - - - - -
Other Assets
PT Bank Maspion Indonesia Tbk
380 Laporan Tahunan Terintegrasi 2024
Page 381
Tagihan Bersih
Setelah FKK dan
Lainnya Teknik MRK
65%5) 70% 75% 85% 90% 100% 105% 110% 150%
Others Net Receivables
After FKK and
MRK Techniques
- -
- -
- - - - - - -
- - - - - -
- - - -
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Manajemen Risiko
Risk Management
Tagihan Bersih TRA Tagihan Bersih
Tagihan Bersih
(sebelum (Setelah pengenaan
Laporan
pengenaan FKK) FKK dan Teknik
Bobot Risiko Posisi Keuangan Rata-Rata FKK
No. TRA Net MRK
Risk Weight Net Receivables FKK Average
Receivables Net Receivables
Statement
(before FKK (After FKK and MRK
Financial Position
imposition) Techniques)
1 < 40% 8.209.549,00 272.985,00 10% 1.575.846,00
2 40%-70% - 187.780,00 30% 9.896,00
3 75% 3.165.228,00 859.866,00 23% 2.379.419,00
4 85% - - - -
5 90%-100% 9.165.556,00 1.391.917,00 27% 8.974.259,00
6 105%-130% - - - -
7 150% - 1.088,00 10% 163,00
8 250% - - - -
9 400% - - - -
10 1250% - - - -
Total Tagihan Bersih 20.540.333,00 2.713.636,00 12.939.583,00
Total Net Receivables
21. Risiko Kredit - Pengungkapan Kualitatif Counterparty Credit 21. Credit Risk - Qualitative Disclosure of Counterparty Credit
Risk (CCRA) - Bank secara Individual Risk (CCRA) - Bank Individually
Eksposur risiko kredit akibat kegagalan pihak lawan (Counterparty Exposure to credit risk due to counterparty failure (Counterparty
Credit Risk) yaitu pada transaksi Reverse Repo Pemerintah dan Credit Risk) is in Government Reverse Repo transactions and
Penempatan pada Bank Lain. Placements with Other Banks.
Bank menggunakan pendekatan standar untuk menghitung KPMM The Bank uses the standardized approach to calculate CAR for
pada risiko kredit akibat kegagalan pihak lawan. Selain itu, Bank credit risk due to counterparty failure. In addition, the Bank
melakukan monitoring secara berkala terhadap eksposur conducts regular monitoring of counterparty credit risk exposure.
counterparty credit risk.
22. Risiko Kredit - Analisis Eksposur Counterparty Credit Risk 22. Credit Risk - Counterparty Credit Risk (CCR1) Exposure
(CCR1) - Bank secara Individual Analysis - Bank on an Individual Basis
Bank tidak memiliki eksposur transaksi derivatif kredit pada posisi The Bank has no exposure to credit derivative transactions at the
akhir Desember 2024 dan 2023. end of December 2024 and 2023.
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Tabel 23 : Risiko Kredit - Eksposur CCR Berdasarkan Kategori Table 23 : Credit Risk - CCR Exposure by Portfolio Category and
Portofolio dan Bobot Risiko (CC3) Risk Weight (CC3)
Bobot Risiko
a b c d e f g h i
Risk Weight
Total
Tagihan
Kategori portofolio Lainnya
0% 10% 20% 50% 75% 100% 150% Bersih
Portfolio category Others
Total Net
Receivables
Indonesia
Tagihan kepada pemerintah dan Bank 792.724,00 792.724,00
Sentral
Receivables on government and CentralBank
Tagihan kepada Entitas Sektor Publik
Receivables on Public Sector Entities
Tagihan kepada Bank Pembangunan
Multilateral dan Lembaga Internasional
Receivables to Development Banks
Multilateral and International Institutions
Tagihan kepada Bank Lain 195.307,00 195.307,00
Receivables on Other Banks
Tagihan kepada perusahaan sekuritas
Receivables on securities companies
Tagihan kepada Korporasi
Receivables to Corporations
Tagihan Kepada Usaha Mikro, Usaha
Kecil, dan Portofolio Ritel
Receivables on Micro Business, Small
Business, and Retail Portfolio
Aset lainnya
Other assets
Jumlah | Total 988.031,00
24. Risiko Kredit - Tagihan Bersih Derivatif Kredit (CCR6) - Bank 24. Credit Risk - Net Receivables from Credit Derivatives (CCR6)
secara Individual - Bank on an Individual Basis
Bank tidak memiliki eksposur transaksi derivatif kredit pada posisi The Bank has no exposure to credit derivative transactions at the
akhir Desember 2024 dan 2023. end of December 2024 and 2023.
25. Risiko Kredit - Pengungkapan Kualitatif Mengenai Eksposur 25. Credit Risk - Qualitative Disclosures about Securitization
Sekuritisasi (SECA) - Bank secara Individual Exposures (SECA) - Bank on an Individual Basis
Bank tidak memiliki eksposur sekuritisasi pada akhir Desember The Bank had no securitization exposure at the end of December
2024 dan 2023 2024 and 2023.
26. Risiko Kredit - Eksposur Sekuritisasi Pada Banking 26. Credit Risk - Securitization Exposure in Banking Book (SEC1)
Book(SEC1) - Bank secara Individual - Bank Individually
Bank tidak memiliki eksposur sekuritisasi pada akhir Desember The Bank had no securitization exposure at the end of December
2024 dan 2023 2024 and 2023.
27. Risiko Kredit - Eksposur Sekuritisasi Pada Trading 27. Credit Risk - Securitization Exposure in Trading Book (SEC2)
Book(SEC2) - Bank secara Individual - Bank Individually
Bank tidak memiliki eksposur sekuritisasi pada akhir Desember The Bank had no securitization exposure at the end of December
2024 dan 2023 2024 and 2023.
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28. Risiko Kredit - Eksposur Sekuritisasi Pada Banking Book dan 28. Credit Risk - Banking Book Securitization Exposure and
Terkait Persyaratan Modalnya - Bank Yang Bertindak Sebagai Related Capital Requirements - Banks Acting as Originator or
Originator atau Sponsor (SEC3) - Bank secara Individual Sponsor (SEC3) - Individual Banks
Bank tidak bertindak sebagai Originator atau Sponsor The Bank does not act as Originator or Sponsor
29. Risiko Kredit - Eksposur Sekuritisasi Pada Banking Book dan 29. Credit Risk - Banking Book Securitization Exposures and
Persyaratan Modalnya - Bank Yang Bertindak Sebagai Investor Capital Requirements - Banks Acting as Investors (SEC4) -
(SEC4) - Bank secara Individual Individual Banks
Bank tidak bertindak sebagai investor Eksposur Sekuritisasi. The Bank does not act as an investor in securitization exposures.
Tabel 30 : Risiko Pasar - Pengungkapan Risiko Pasar Dengan Table 30 : Market Risk - Market Risk Disclosure Using
Menggunakan Metode Standar - Bank secara Individual Standardized Methods - Bank on an Individual Basis
Posisi Tanggal Laporan Tahun
Posisi Tanggal Laporan
Sebelumnya
Report Date Position
Previous Year Report Date Position
Individual Konsolidasian Individual Konsolidasian
Jenis Risiko
No. Individual Consolidated Individual Consolidated
Risk Type
Beban Beban Beban Beban
Modal ATMR Modal ATMR Modal ATMR Modal ATMR
Capital RWA Capital RWA Capital RWA Capital RWA
Expenses Expenses Expenses Expenses
(1) (2) (3) (4) (5) (6) (7) (8) (9) (10)
1 Risiko Suku Bunga
Interest Rate Risk
a. Risiko Spesifik
a. Specific Risk
b. Risiko Umum
b. General Risks
2 Risiko Nilai Tukar 3.283 41.034 2.787 34.833
Exchange Rate Risk
3 Risiko Ekuitas *)
Equity Risk *)
4 Risiko Komoditas *)
Commodity Risk *)
5 Risiko Option
Option Risk
Jumlah | Total 3.283 41.034 2.787 34.833
*) Untuk bank yang memiliki perusahaan anak yang memiliki eksposur risiko dimaksud
*) For banks with subsidiaries that have such risk exposure
31. Risiko Pasar - Pengungkapan Kualitatif Umum - Bank Secara 31. Market Risk - General Qualitative Disclosures - Bank
Individual Individually
Penjelasan Pengungkapan Kualitatif Umum Risiko Pasar dijelaskan Explanation of General Qualitative Disclosure of Market Risk is
pada bagian Bab Manajemen Risiko explained in the Risk Management Chapter.
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32. Interest Rate Risk in Banking Book - Laporan Penerapan 32. Interest Rate Risk in Banking Book - Risk Management
Manajemen Risiko Untuk IRRBB - Bank Secara Individual Implementation Report for IRRBB - Bank Individually
Analisis Kualitatif | Qualitative Analysis
a Definisi IRRBB untuk pengukuran dan pengendalian risiko
a IRRBB definition for risk measurement and control
Dalam rangka melaksanakan pengukuran dan pengendalian risiko, Bank mendefinisikan IRRBB sebagai suatu risiko yang berasal dari
perbedaan sensitivitas aset dan kewajiban terhadap perubahan suku bunga. Sensitivitas semua komponen neraca terhadap
pergerakan suku bunga harus dipertimbangkan dengan seksama ketika menilai risiko suku bunga.
In order to carry out risk measurement and control, the Bank defines IRRBB as a risk derived from differences in the sensitivity of
assets and liabilities to changes in interest rates. The sensitivity of all balance sheet components to interest rate movements should be
carefully considered when assessing interest rate risk.
b Strategi manajemen risiko dan mitigasi risiko untuk IRRBB
b Risk management and risk mitigation strategies for IRRBB
Bank menyusun strategi manajemen risiko serta mitigasi risiko diantaranya dengan menetapkan pedoman pengukuran untuk
pengukuran risiko suku bunga dalam banking book, serta menyesuaikan eksposur IRRBB dan memperbaiki kualitas proses Manajemen
Risiko untuk IRRBB.
The Bank developed risk management and risk mitigation strategies including establishing measurement guidelines for measuring
interest rate risk in the banking book, as well as adjusting IRRBB exposures and improving the quality of the Risk Management
process for IRRBB.
c Periodisasi perhitungan IRRBB Bank dan pengukuran spesifik yang digunakan Bank untuk mengukur sensitivitas terhadap IRRBB
c Periodization of the Bank's IRRBB calculation and specific measures used by the Bank to measure sensitivity to IRRBB.
i. Periode perhitungan yang dijalankan Bank adalah :
- Triwulanan untuk posisi akhir bulan Maret, akhir bulan Juni, akhir bulan September, dan akhir bulan Desember sebagai
bagian dari laporan profil Risiko untuk Risiko Pasar. Namun untuk meningkatkan efektifitasnya, pemantauan atas IRRBB
juga dilakukan secara bulanan dan dilaporkan kepada Komite Manajemen Risiko.
- Semesteran untuk posisi akhir bulan Juni dan akhir bulan Desember sebagai bagian dari hasil penilaian sendiri (self-
assessment) Tingkat Kesehatan Bank.
i. The calculation period that the Bank runs is:
- Quarterly for end of March, end of June, end of September and end of December as part of the Risk profile report for
Market Risk. However, to increase its effectiveness, monitoring of IRRBB is also conducted on a monthly basis and
reported to the Risk Management Committee.
- Semi-annual for the end of June and end of December as part of the Bank's Soundness Level self-assessment.
ii. Bank mengkategorikan posisi Banking Book yang sensitif terhadap suku bunga dan menghitung perubahan nilai EVE (ΔEVE)
berdasarkan 6 (enam) skenario suku bunga pada setiap eksposur dalam mata uang tertentu dengan nilai yang material, yaitu
eksposur dalam mata uang tertentu dengan jumlah paling sedikit 5% (lima persen) dari total aset atau liabilitas dalam posisi
Banking Book, dalam 19 (Sembilan belas) skala waktu.
ii. The Bank categorizes interest rate sensitive Banking Book positions and calculates the change in EVE value (ΔEVE) based on
6 (six) interest rate scenarios on each exposure in a particular currency with a material value, i.e. exposure in a particular
currency with an amount of at least 5% (five percent) of total assets or liabilities in the Banking Book position, in 19 (nineteen)
time scales.
d Skenario shock suku bunga dan skenario stress yang digunakan Bank dalam perhitungan IRRBB dengan menggunakan metode
EVE dan NII
d Interest rate shock scenarios and stress scenarios used by the Bank in calculating IRRBB using the EVE and NII methods.
Berdasarkan ketentuan regulator, untuk ΔEVE, Bank menerapkan scenario :
- Shock suku bunga yang paralel ke atas (parallel shock up)
- Shock suku bunga yang paralel ke bawah (parallel shock down)
- Shock suku bunga yang melandai (steepener shock)
- Shock suku bunga yang mendatar (flattener shock)
- Shock suku bunga jangka pendek yang meningkat (short rates shock up)
- Shock suku bunga jangka pendek yang menurun (short rates shock down)
Untuk ΔNII, Bank menerapkan skenario :
- Shock suku bunga yang paralel ke atas (parallel shock up)
- Shock suku bunga yang paralel ke bawah (parallel shock down)
Based on the regulatory requirements, for ΔEVE, the Bank applies the scenario:
- A parallel shock up in interest rates
- A parallel shock down in interest rates
- Steepener interest rate shock
- Interest rate flattener shock
- Short-term interest rate shock increase (short rates shock up)
- Short rates shock down
For ΔNII, the Bank applies the scenario :
- A parallel shock up in interest rates
- A parallel shock down in interest rates
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e Beberapa asumsi permodelan yang digunakan dalam pengukuran IRRBB adalah sebagai berikut:
e Some of the modeling assumptions used in measuring IRRBB are as follows:
- Bank melakukan pengukuran NII menggunakan asumsi constant balance sheet dimana instrumen yang jatuh tempo akan
diperpanjang dengan mempertahankan ukuran dan struktur neraca saat ini.
- Bank belum memperhitungkan margin komersial dan spread components lainnya dalam arus kas dan dalam tingkat suku
bunga diskonto yang digunakan dalam perhitungan dengan metode EVE.
- Bank melakukan perhitungan IRRBB atas eksposur dalam 2 mata uang yang signifikan (IDR dan USD) menggunakan tingkat
suku bunga diskonto dan skenario shock suku bunga tersendiri untuk setiap mata uang. Untuk eksposur dalam mata uang
yang tidak signifikan diperhitungkan secara gabungan dengan eksposur dalam mata uang USD.
- The Bank measures NII using a constant balance sheet assumption where maturing instruments will be extended by
maintaining the current size and structure of the balance sheet.
- The Bank has not accounted for commercial margins and other spread components in the cash flows and in the discount rate
used in the calculation of the EVE method.
- The Bank calculates IRRBB for exposures in 2 significant currencies (IDR and USD) using discount rate and interest rate shock
scenarios separately for each currency. Exposures in insignificant currencies are calculated in combination with USD
exposures.
f Penjelasan komprehensif mengenai asumsi utama pemodelan dan parametrik yang digunakan dalam menghitung ΔEVE dan ΔNII
f Comprehensive explanation of the key modeling and parametric assumptions used in calculating ΔEVE and ΔNII
Δ EVE
- Untuk posisi Desember 2024 pada Risiko Suku Bunga pada Banking Book (IRRBB) pada indikator delta Economic Value of
Equity(EVE) dimana risiko maksimum terjadi pada skenario parallel up (suku bunga naik) yaitu sebesar Rp.- 533 milliar,
selanjutnya apabila dibandingkan dengan Modal Tier 1 Bank sebesar Rp 6,24 triliun maka delta EVE adalah sebesar 8,56%.
Δ NII
- Untuk posisi Desember 2024, nilai delta net interest income (NII) dimana risiko maksimum terjadi pada skenario parallel Up
sebesar Rp. -67 milliar. Apabila dibandingkan dengan projected income akhir 2024 Bank sebesar Rp 728,7 milliar, delta NII
adalah sebesar 9.20%.
Δ EVE
- For the position of December 2024 on Interest Rate Risk in the Banking Book (IRRBB) on the Economic Value of Equity (EVE)
delta indicator where the maximum risk occurs in the parallel up scenario (interest rates rise) which is Rp.- 533 billion, then
when compared to the Bank's Tier 1 Capital of Rp. 6.24 trillion, the EVE delta is 8.56%.
Δ NII
- For the December 2024 position, the delta net interest income (NII) value where the maximum risk occurs in the parallel Up
scenario is Rp. -67 billion. When compared to the Bank's 2024 projected income of Rp 728.7 billion, the delta NII is 9.20%.
Analisis Kualitatif | Qualitative Analysis
a Rata - rata repricing maturity yang diterapkan untuk NMD.
a Average repricing maturity applied to NMD.
Rata - rata jangka waktu penyesuaian suku bunga (repricing maturity) yang diterapkan untuk NMD adalah 1 tahun dengan pendekatan
run-off rates, yang mencerminkan persentase simpanan yang diperkirakan akan keluar (ditarik) atau mengubah suku bunga dalam
periode tertentu. Semakin tinggi decay rate, semakin cepat simpanan tersebut dapat diubah dalam repricing buckets yang lebih
pendek
The average repricing maturity applied to NMD is 1 year using a run-off rate approach, which reflects the percentage of deposits that
are expected to exit (be withdrawn) or change interest rates in a given period. The higher the decay rate, the faster the deposits can
be converted into shorter repricing buckets.
b Repricing maturity terpanjang yang diterapkan untuk NMD.
b Longest maturity repricing applied for NMD.
Jangka waktu penyesuaian suku bunga (repricing maturity) terlama yang diterapkan untuk core deposit NMD adalah di bucket 1 tahun.
The longest repricing maturity applied to NMD core deposits is in the 1-year bucket.
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Tabel 33 : Interest Rate Risk in Banking Book - Laporan Table 33 : Interest Rate Risk in Banking Book - IRRBB
Perhitungan IRRBB - Bank Secara Individual Calculation Report - Bank Individually
LAPORAN PERHITUNGAN IRRBB
IRRBB CALCULATION REPORT
Nama Bank | Bank Name : PT. Bank Maspion (individu)
Posisi Laporan | Report Position : 31-Dec-2024
dalam jutaan | in millions
Dalam Juta Rupiah
∆EVE ∆NII
In Million Rupiah
Periode
Des 24 Jun 24 Des 24 Jun 24
Period
Parallel up -533.976 -555.179 -67.070 -59.035
Parallel up
Parallel down 853.361 884.864 67.070 59.035
Parallel down
Steepener -218.697 -228.765
Steepener
Flattener 167.215 174.266
Flattener
Short rate up -178.390 -184.371
Short rate up
Short rate down 183.571 189.771
Short rate down
Nilai Maksimum Negatif (absolut) 533.976 555.179 67.070 59.035
Negative Maximum Value (absolute)
Modal Tier 1 (untuk ∆EVE) atau Projected Income 6.240.141 6.601.242 728.683 852.263
(untuk ∆NII)
Tier 1 Capital (for ∆EVE) or Projected Income (for
∆NII)
Nilai Maksimum dibagi Modal Tier 1 (untuk ∆EVE) 8,56% 8,41% 9,20% 6,93%
atau Project Income (untuk ∆NII)
Maximum Value divided by Tier 1 Capital (for
∆EVE) or Project Income (for ∆NII)
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Manajemen Risiko
Risk Management
Tabel 34 : Risiko Likuiditas - Laporan Perhitungan Rasio Table 34 : Liquidity Risk - Liquidity Adequacy Ratio (LCR)
Kecukupan Likuiditas (LCR) - Bank secara Individual Calculation Report - Individual Banks
INDIVIDUAL
INDIVIDUAL
Triwulan IV 2024 Triwulan III 2024
Fourth Quarter 2024 Third Quarter 2024
Nilai HQLA setelah
pengurangan nilai
(haircut), outstanding
Nilai Nilai HQLA setelah
Nilai kewajiban dan
outstanding pengurangan nilai (haircut),
outstanding komitmen dikalikan
kewajiban outstanding kewajiban dan
kewajiban dan tingkat penarikan
Komponen dan komitmen dikalikan tingkat
No komitmen/nilai (run-off rate) atau nilai
Component komitmen/ penarikan (run-off rate) atau
tagihan tagihan kontraktual
nilai tagihan nilai tagihan kontraktual
kontraktual dikalikan tingkat
kontraktual dikalikan tingkat penerimaan
Value of penerimaan (inflow
Value of (inflow rate).
outstanding rate).
outstanding HQLA value after haircut,
liabilities and HQLA value after
liabilities and outstanding liabilities and
commitments / haircut, outstanding
commitments commitments multiplied by the
value of liabilities and
/ value of run-off rate or contractual
contractual commitments multiplied
contractual billings multiplied by the inflow
receivables by the run-off rate or
receivables rate.
contractual billings
multiplied by the inflow
rate.
HIGH QUALITY LIQUID ASSET
(HQLA)
HIGH QUALITY LIQUID ASSETS
(HQLA)
1 Total High Quality Liquid 4.990.326 4.914.188
Asset (HQLA
Total High Quality Liquid
Asset (HQLA
ARUS KAS KELUAR
CASH OUTFLOW
2 Simpanan nasabah
perorangan dan Pendanaan
yang berasal dari nasabah
Usaha Mikro dan Usaha Kecil,
terdiri dari:
Individual customer deposits
and funding from Micro and
Small Business customers,
consisting of:
a. Simpanan/Pendanaan 132.610 6.630 134.209 6.710
stabil
a. Savings/Stable funding
b. Simpanan/Pendanaan 4.982.582 498.258 5.343.190 534.319
kurang stabil
b. Deposits/Funding are
less stable
3 Pendanaan yang berasal dari
nasabah korporasi, terdiri dari:
Funding from corporate
customers consists of:
a. Simpanan operasional 2.916.527 657.580 2.659.227 601.590
a. Operational deposits
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INDIVIDUAL
INDIVIDUAL
Triwulan IV 2024 Triwulan III 2024
Fourth Quarter 2024 Third Quarter 2024
Nilai HQLA setelah
pengurangan nilai
(haircut), outstanding
Nilai Nilai HQLA setelah
Nilai kewajiban dan
outstanding pengurangan nilai (haircut),
outstanding komitmen dikalikan
kewajiban outstanding kewajiban dan
kewajiban dan tingkat penarikan
Komponen dan komitmen dikalikan tingkat
No komitmen/nilai (run-off rate) atau nilai
Component komitmen/ penarikan (run-off rate) atau
tagihan tagihan kontraktual
nilai tagihan nilai tagihan kontraktual
kontraktual dikalikan tingkat
kontraktual dikalikan tingkat penerimaan
Value of penerimaan (inflow
Value of (inflow rate).
outstanding rate).
outstanding HQLA value after haircut,
liabilities and HQLA value after
liabilities and outstanding liabilities and
commitments / haircut, outstanding
commitments commitments multiplied by the
value of liabilities and
/ value of run-off rate or contractual
contractual commitments multiplied
contractual billings multiplied by the inflow
receivables by the run-off rate or
receivables rate.
contractual billings
multiplied by the inflow
rate.
b. Simpanan non- 3.000.838 1.716.389 2.910.976 1.755.061
operasional dan/atau
kewajiban lainnya yang
bersifat non-operasional
b. Non-operational
deposits and/or other
liabilities of a non-
operational nature of a
non-operational nature
4 Pendanaan dengan agunan - -
secured funding
5 Arus kas keluar lainnya
(additional requirement),
terdiri dari:
Other cash outflows
(additional requirements),
consisting of:
a. arus kas keluar atas - - - -
transaksi derivatif
a. cash outflows on
derivative transactions
b. arus kas keluar atas - - - -
peningkatan kebutuhan
likuiditas
b. cash outflows for
increased liquidity needs
c. arus kas keluar atas - - - -
kehilangan pendanaan
c. cash outflow for loss of
financing
d. arus kas keluar atas - - - -
penarikan komitmen
fasilitas kredit dan fasilitas
likuiditas
d. cash outflows on
drawdown of committed
credit facilities and liquidity
facilities liquidity facilities
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Integated Report 2024 389
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Manajemen Risiko
Risk Management
INDIVIDUAL
INDIVIDUAL
Triwulan IV 2024 Triwulan III 2024
Fourth Quarter 2024 Third Quarter 2024
Nilai HQLA setelah
pengurangan nilai
(haircut), outstanding
Nilai Nilai HQLA setelah
Nilai kewajiban dan
outstanding pengurangan nilai (haircut),
outstanding komitmen dikalikan
kewajiban outstanding kewajiban dan
kewajiban dan tingkat penarikan
Komponen dan komitmen dikalikan tingkat
No komitmen/nilai (run-off rate) atau nilai
Component komitmen/ penarikan (run-off rate) atau
tagihan tagihan kontraktual
nilai tagihan nilai tagihan kontraktual
kontraktual dikalikan tingkat
kontraktual dikalikan tingkat penerimaan
Value of penerimaan (inflow
Value of (inflow rate).
outstanding rate).
outstanding HQLA value after haircut,
liabilities and HQLA value after
liabilities and outstanding liabilities and
commitments / haircut, outstanding
commitments commitments multiplied by the
value of liabilities and
/ value of run-off rate or contractual
contractual commitments multiplied
contractual billings multiplied by the inflow
receivables by the run-off rate or
receivables rate.
contractual billings
multiplied by the inflow
rate.
e. arus kas keluar atas 500.000 500.000 482.582 482.582
kewajiban kontraktual
lainnya terkait penyaluran
dana
e. cash outflows on other
contractual obligations
related to distribution of
funds
f. arus kas keluar atas 3.723.247 1.378 3.349.888 1.582
kewajiban kontijensi
pendanaan lainnya
f. cash outflows on other
funding contingent
liabilities
g. arus kas keluar 67.407 67.407 66.715 66.715
kontraktual lainnya
g. other contractual cash
outflows
TOTAL ARUS KAS KELUAR 3.447.643 3.448.560
CASH OUTFLOW
ARUS KAS MASUK
CASH INFLOW
6 Pinjaman dengan agunan - - - -
Secured lending
7 Tagihan berasal dari pihak 1.315.195 617.695 1.464.533 723.773
lawan (counterparty)
Receivables from
counterparties
8 Arus kas masuk lainnya - -
Other cash inflows
TOTAL ARUS KAS MASUK 617.695 723.773
CASH INFLOW
TOTAL ADJUSTED VALUE 617.695 723.773
TOTAL ADJUSTED VALUE
TOTAL HQLA 4.990.326 4.914.188
TOTAL HQLA
TOTAL ARUS KAS KELUAR 2.829.948 2.724.787
BERSIH
NET CASH OUTFLOWS
LCR (%) 176,34% 180,35%
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ANALISIS SECARA INDIVIDU | INDIVIDUAL ANALYSIS
Berdasarkan Hasil perhitungan, LCR rata-rata Bank pada posisi Triwulan IV-2024 adalah sebesar 176.34%, menurun sebesar 4.01% dari
posisi sebelumnya (Triwulan III-2024) sebesar 180.35%. Meskipun mengalami penurunan kondisi tersebut masih di atas batas minimum
yang ditetapkan OJK yaitu 100%. Hal ini mengindikasikan bahwa kondisi kecukupan likuiditas Bank memadai dan mampu memenuhi
kebutuhan likuiditas selama 30 (tiga puluh) hari ke depan dalam skenario stres.
Based on the calculation results, the Bank's average LCR in the fourth quarter of 2024 was 176.34%, a decrease of 4.01% from the
previous position (third quarter of 2024) of 180.35%. Despite the decrease, the condition is still above the minimum limit set by OJK,
which is 100%. This indicates that the Bank's liquidity adequacy condition is adequate and able to meet liquidity needs for the next 30
(thirty) days in a stress scenario.
Komponen Penilaian Rasio LCR Bank
Nilai LCR Bank posisi Triwulan IV-2024 menurun dikarenakan :
1. Total HQLA rata-rata yang dimiliki Bank posisi Triwulan IV-2024 yaitu meningkat sebesar 1.55% dari Rp 4,91 pada Triwulan III-2024
menjadi sebesar Rp 4,99 triliun pada Triwulan IV-2024. Komposisi HQLA Bank masih didominasi oleh HQLA Level 1 dengan
komposisi terbesar dari kepemilikan surat berharga yang diterbitkan pemerintah dan Bank Indonesia yang setelah dikenakan
haircut rata-ratanya menjadi sebesar Rp 3,89 triliun (78% dari total HQLA Level 1), penempatan pada Bank Indonesia yang
rata-ratanya setelah haircut sebesar Rp 0,96 triliun (19% dari total HQLA Level 1) sisanya dalam bentuk kas. Pada saat ini, Bank
masih tidak memiliki cadangan likuiditas dalam bentuk HQLA Level 2A dan 2B.
2. Total Arus Kas Keluar Bersih (Net Cash Outflow) rata-rata Bank posisi Triwulan IV-2024 mengalami peningkatan sebesar 3.86% dari
Rp 2,72 triliun pada Triwulan III-2024 menjadi Rp 2,83 triliun pada posisi Triwulan IV-2024. Meningkatnya net cash outflow pada
Triwulan IV-2024 karena:
- Total arus kas keluar (cash outflow) rata-rata Bank posisi Triwulan IV-2024 mengalami penurunan sebesar 0.03% dari Triwulan
III-2024. Kondisi tersebut sejalan dengan penurunan komposisi DPK sampai dengan 1 bulan pada simpanan perorangan, usaha
mikro dan usaha kecil, maupun korporasi.
- Demikian pula, untuk arus kas masuk (cash inflow) rata-rata pada bulan Triwulan IV-2024 mengalami penurunan sebesar
14,66% dari Triwulan III-2024. Penurunan berasal dari pembayaran tagihan yang berdasarkan pihak lawan (counterparty) yang
didominasi oleh lembaga jasa keuangan yang menurun sebesar 8.31% dari posisi Triwulan III-2024.
Components of Bank LCR Ratio Assessment
The LCR value of the Bank in the fourth quarter of 2024 decreased due to :
1. The average total HQLA held by the Bank in Q4-2024 increased by 1.55% from Rp 4.91 in Q3-2024 to Rp 4.99 trillion in Q4-2024.
The composition of the Bank's HQLA is still dominated by HQLA Level 1 with the largest composition of securities issued by the
government and Bank Indonesia, which after haircut averaged Rp 3.89 trillion (78% of total HQLA Level 1), placements with Bank
Indonesia, which after haircut averaged Rp 0.96 trillion (19% of total HQLA Level 1), the rest in the form of cash. Currently, the Bank
does not have any liquidity reserves in the form of HQLA Level 2A and 2B.
2. The Bank's average Net Cash Outflow in Q4-2024 increased by 3.86% from Rp 2.72 trillion in Q3-2024 to Rp 2.83 trillion in
Q4-2024. The increase in net cash outflow in Quarter IV-2024 was due to:
- The total average cash outflow of the Bank in the fourth quarter of 2024 decreased by 0.03% from the third quarter of 2024.
This condition is in line with the decline in the composition of deposits up to 1 month in individual deposits, micro and small
businesses, and corporations.
- Similarly, the average cash inflow in the month of Q4-2024 decreased by 14.66% from Q3-2024. The decrease came from bill
payments based on counterparties dominated by financial services institutions which decreased by 8.31% from the position in
the third quarter of 2024.
Manajemen Likuiditas Bank
Pada posisi Triwulan IV-2024, Bank telah memenuhi tingkat LCR sesuai ketentuan yang berlaku yang menunjukan bahwa manajemen
likuiditas Bank dikelola dengan memadai.
1. Bank telah memiliki dan menerapkan proses manajemen risiko likuiditas serta secara aktif melakukan identifikasi, mengukur,
memantau dan mengendalikan risiko likuiditas melalui laporan harian dan laporan bulanan. Bank mengidentifikasi dan mengukur
eksposur risiko likuiditas untuk setiap produk dan aktivitas menggunakan beberapa parameter atau indikator seperti, rasio-rasio
likuiditas seperti rasio Loan to Deposit (LDR), stress testing, Pinjaman Luar Negeri Jangka Pendek (PKLN), rasio 50 Deposan Inti,
dan lainnya.
2. Strategi pengeloaan neraca dan likuiditas ditetapkan dalam rapat ALCO, Bank terus berupaya meningkatkan pertumbuhan
Simpanan/Pendanaan yang stabil dan simpanan operasional dengan peningkatan pelayanan dan produk pendanaan.
Bank Liquidity Management
In the position of Q4-2024, the Bank has met the LCR level in accordance with the applicable regulations, which indicates that the
Bank's liquidity management is managed adequately.
1. The Bank has established and implemented a liquidity risk management process and actively identifies, measures, monitors and
controls liquidity risk through daily and monthly reports. The Bank identifies and measures liquidity risk exposure for each product
and activity using several parameters or indicators such as, liquidity ratios such as Loan to Deposit (LDR) ratio, stress testing,
Short-Term Foreign Borrowing (PKLN), 50 Core Depositor ratio, and others.
2. Balance sheet and liquidity management strategies are determined in ALCO meetings, the Bank continues to strive to increase
the growth of stable Deposits/Funding and operational deposits by improving services and funding products.
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Integated Report 2024 391
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Manajemen Risiko
Risk Management
Tabel 35 : Risiko Likuiditas - Laporan NSFR - Bank secara Table 35 : Liquidity Risk - NSFR Report - Individual Banks
Individual
Posisi Tanggal Laporan Sebelumnya (30 September 2024)
Previous Report Date Position (September 30, 2024)
Nilai Tercatat Berdasarkan Sisa Jangka Waktu
(Dalam Juta Rupiah)
Carrying Value Based on Remaining Term Total Nilai
Komponen ASF Tertimbang
(In Million Rupiah)
Total
Tanpa ≥ 6 bulan - Weighted
Jangka < 6 bulan < 1 tahun ≥ 1 tahun Value
Waktu¹ < 6 months ≥ 6 months ≥ 1 year
No Term¹ - < 1 year
Modal : 6.959.140 - - - 6.959.140
Modal sesuai POJK KPMM 6.959.140 - - - 6.959.140
Instrumen modal lainnya - - - - -
Simpanan yang berasal dari nasabah perorangan dan 1.186.165 5.594.775 799.880 155.066 6.984.622
pendanaan yang berasal dari nasabah usaha mikro dan
usaha kecil:
Simpanan dan pendanaan stabil 121.951 14.432,94 - 150,00 129.714,47
Simpanan dan pendanaan kurang stabil 1.064.214 5.580.341,63 799.879,53 154.915,90 6.854.908
Pendanaan yang berasal dari nasabah korporasi: 2.724.438 4.466.107 331.769 102.957 3.113.318
Simpanan operasional 2.724.437,80 - - - 1.362.218,90
Pendanaan lainnya yang berasal dari nasabah - 4.466.107,49 331.768,71 102.956,63 1.751.098,84
korporasi
Liabilitas yang memiliki pasangan aset yang saling
bergantung
Liabilitas dan ekuitas lainnya :
NSFR liabilitas derivatif - - -
ekuitas dan liabilitas lainnya yang tidak masuk - 247.163,85 - - -
dalam kategori diatas
Total ASF 17.057.080,17
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Posisi Tanggal Laporan (31 Desember 2024)
Report Date Position (December 31, 2024)
Nilai Tercatat Berdasarkan Sisa Jangka Waktu
(Dalam Juta Rupiah)
Carrying Value Based on Remaining Term Total Nilai
Tertimbang ASF Components
(In Million Rupiah)
Total
≥ 6 bulan - Weighted
Tanpa Jangka
< 6 bulan < 1 tahun ≥ 1 tahun Value
Waktu¹
< 6 months ≥ 6 months ≥ 1 year
No Term¹
- < 1 year
6.894.692 - - - 6.894.692 Capital:
6.894.692 - - - 6.894.692 Capital in accordance with POJK KPMM
- - - - - Other capital instruments
1.092.932 5.142.051 745.902 167.916 6.454.911 Deposits from individual customers and funding from
micro and small business customers:
74.890 9.073,45 - 150,00 79.915,19 Stable deposits and funding
1.018.042 5.132.977,96 745.902,19 167.766,13 6.374.996 Deposits and funding are less stable
2.895.161 4.989.869 376.948 187.535 3.540.764 Funding from corporate customers:
2.895.160,66 - - - 1.447.580,33 Operating deposits
- 4.989.869,21 376.947,68 187.534,64 2.093.183,32 Other funding from corporate customers
Liabilities that have interdependent asset pairs
Other liabilities and equity :
- - - NSFR derivative liabilities
- 246.881,83 - - - Other equity and liabilities not categorized above
16.890.366,70 Total ASF
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Manajemen Risiko
Risk Management
Posisi Tanggal Laporan Sebelumnya (30 September 2024)
Previous Report Date Position (September 30, 2024)
Nilai Tercatat Berdasarkan Sisa Jangka Waktu
(Dalam Juta Rupiah)
Carrying Value Based on Remaining Term Total Nilai
Komponen RSF Tertimbang
(In Million Rupiah)
Total
Tanpa ≥ 6 bulan - Weighted
Jangka < 6 bulan < 1 tahun ≥ 1 tahun Value
Waktu¹ < 6 months ≥ 6 months ≥ 1 year
No Term¹ - < 1 year
Total HQLA dalam rangka perhitungan NSFR 194.805
Simpanan pada lembaga keuangan lain untuk tujuan - 476.045 - - 238.022
operasional
Pinjaman dengan kategori Lancar dan Dalam Perhatian - 4.513.358 5.244.151 5.687.037 9.818.791
Khusus (performing)
kepada lembaga keuangan yang dijamin dengan - 280.000 2.040.904 1.453.702 2.502.154
HQLA Level 1
kepada lembaga keuangan yang dijamin bukan - - - - -
dengan HQLA Level 1 dan pinjaman kepada
lembaga keuangan tanpa jaminan
kepada korporasi non-keuangan, nasabah retail dan - 4.007.501 3.018.887 4.046.987 6.953.133
nasabah usaha mikro dan kecil, pemerintah pusat,
pemerintah negara lain, Bank Indonesia, bank
sentral negara lain dan entitas sektor publik, yang
diantaranya:
memenuhi kualifikasi untuk mendapat bobot - - - - -
risiko 35% atau kurang, sesuai SE OJK ATMR
untuk Risiko Kredit
Kredit beragun rumah tinggal yang tidak sedang - 225.857 184.360 186.348 363.504
dijaminkan, yang diantaranya :
memenuhi kualifikasi untuk mendapat bobot - - - - -
risiko 35% atau kurang, sesuai SE OJK ATMR
untuk Risiko Kredit
Surat Berharga dengan kategori Lancar dan Kurang - - - - -
Lancar (performing) yang tidak sedang dijaminkan,
tidak gagal bayar , dan tidak masuk sebagai HQLA,
termasuk saham yang diperdagangkan di bursa
Aset yang memiliki pasangan liabilitas yang saling - - - - -
bergantung
Aset lainnya : 880.719 20.742 224.685 544.829 1.398.031
Komoditas fisik yang yang diperdagangkan, - -
termasuk emas
Kas, surat berharga dan aset lainnya yang dicatat - - - -
sebagai initial margin untuk kontrak derivatif dan
kas atau aset lain yang diserahkan sebagai default
fund pada central counterparty (CCP)
NSFR aset derivatif - - - -
NSFR liabilitas derivatif sebelum dikurangi dengan - - - -
variation margin
Seluruh aset lainnya yang tidak masuk dalam 880.719 20.742 224.685 544.829 1.398.031
kategori diatas
Rekening Administratif 1.163.826 1.609.922 621.465 8.367
Total RSF 11.658.017
Rasio Pendanaan Stabil Bersih (Net Stable Funding 146,31%
Ratio (%))
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Posisi Tanggal Laporan (31 Desember 2024)
Report Date Position (December 31, 2024)
Nilai Tercatat Berdasarkan Sisa Jangka Waktu
(Dalam Juta Rupiah)
Carrying Value Based on Remaining Term Total Nilai
Tertimbang RSF Components
(In Million Rupiah)
Total
≥ 6 bulan - Weighted
Tanpa Jangka
< 6 bulan < 1 tahun ≥ 1 tahun Value
Waktu¹
< 6 months ≥ 6 months ≥ 1 year
No Term¹
- < 1 year
190.393 Total HQLA for NSFR calculation
- 195.310 - - 97.655 Deposits with other financial institutions for
operational purposes
- 6.024.166 4.515.760 5.363.190 9.532.816 Loans in the Current and Special Mention
(performing) categories
- 1.280.320 1.123.555 1.441.799 2.131.608 to financial institutions secured by HQLA Level 1
- - - - - loans to financial institutions that are not secured by
HQLA Level 1 and loans to financial institutions that
are unsecured
- 4.402.760 3.296.972 3.777.753 7.060.956 to non-financial corporations, retail customers and
micro and small business customers, national
governments, governments of other countries, Bank
Indonesia, central banks of other countries and
public sector entities, among others:
- - - - - qualify for a risk weight of 35%
or less, as per OJK RWA for Credit Risk
- 341.086 95.233 143.638 340.251 Residential mortgages that are not being
securitized, which include:
- - - - - qualify for a risk weight of 35%
or less, as per OJK RWA for Credit Risk
- - - - - Current and Non-Current (performing) Securities that
are not pledged as collateral, not in default, and not
included as HQLA, including stocks traded on the
stock exchange.
- - - - - Assets that have interdependent liability pairs
337.562 504.149 216.146 541.314 1.599.162 Other assets:
- - Physical commodities that are traded, including gold
- - - - Cash, securities and other assets posted as initial
margin for derivative contracts and cash or other
assets posted as default funds with central
counterparties (CCPs).
- - - - NSFR of derivative assets
- - - - NSFR of derivative liabilities before reduced by
variation margin
337.562 504.149 216.146 541.314 1.599.162 All other assets not categorized above
2.713.637 2.713.637 2.713.637 4.248 Administrative Account
11.424.275 Total RSF
147,85% Net Stable Funding Ratio (%)
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Manajemen Risiko
Risk Management
ANALISIS PERKEMBANGAN NSFR | NSFR DEVELOPMENT ANALYSIS
1 Net Stable Funding Ratio (NSFR) Bank per Desember 2024 adalah sebesar 147.85% berada di atas ketentuan minimum NSFR yang
ditetapkan oleh regulator sebesar 100%.
The Bank's Net Stable Funding Ratio (NSFR) as of December 2024 is 147.85%, which is above the minimum NSFR requirement set
by the regulator of 100%.
2 NSFR per Desember 2024 sebesar 147.85% mengalami peningkatan dibandingkan dengan NSFR per September 2024 sebesar
146.31%. Faktor penyebab peningkatan NSFR tersebut terutama dikarenakan Total Required Stable Fund (RSF) per Desember 2024
menurun dari 11,65 Triliun pada September 2024 menjadi 11,42 triliun pada Desember 2024. Penurunan tersebut didominasi oleh
terdapat penurunan total nilai tertimbang pada pos pinjaman kategori lancer dan dalam perhatian khusus kepada lembaga jasa
keuangan dari 2,5 triliun pada Sep 24 menjadi 2,13 triliun pada Des 24 dikarenakan terdapat migrasi perubahan jangka waktu dari
yang sebelumnya 6-12 bulan menjadi < 6 bulan. Jika dilihat dari sisi Available Stable Fund (ASF), ASF juga mengalami penurunan dari
17,05 trilun pada September 24 menjadi Rp 16,89 triliun pada Desember 24
NSFR as of December 2024 of 147.85% has increased compared to NSFR as of September 2024 of 146.31%. The factor causing the
increase in NSFR is mainly because the Total Required Stable Fund (RSF) as of December 2024 decreased from 11.65 trillion in
September 2024 to 11.42 trillion in December 2024. The decrease was dominated by a decrease in the total weighted value of the
current category loans and special attention to financial service institutions from 2.5 trillion in Sep 24 to 2.13 trillion in Dec 24 due to
the migration of term changes from 6-12 months to <6 months. In terms of Available Stable Fund (ASF), ASF also decreased from
17.05 trillion in Sep 24 to Rp 16.89 trillion in Dec 24.
3 Strategi pengeloaan neraca dan likuiditas ditetapkan dalam rapat ALCO.
Balance sheet and liquidity management strategies are determined in ALCO meetings.
36. Risiko Likuiditas - Aset Terikat (Encumbrance) (ENC) - Bank 36. Liquidity Risk - Encumbrance (ENC) - Bank Individually
secara Individual
"Bank tidak memenuhi kriteria tertentu sebagaimana dimaksud "The Bank does not meet certain criteria as referred to in the
dalam ketentuan Otoritas Jasa Keuangan" provisions of the Financial Services Authority"
37. Risiko Likuiditas - Manajemen Risiko Likuiditas (LIQA) - Bank 37. Liquidity Risk - Liquidity Risk Management (LIQA) - Bank on
secara Individual an Individual Basis
Penjelasan Manajemen Risiko Likuiditas dijelaskan pada bagian Explanation of Liquidity Risk Management is explained in the Risk
Bab Manajemen Risiko Management Chapter.
Tabel 38 : Risiko Operasional - Perhitungan Risiko Operasional Table 38 : Operational Risk - Calculation of Operational Risk -
- Bank Secara Individual Bank Individually
dalam jutaan rupiah | in million rupiah
31 Desember 2024 31 Desember 2023
December 31, 2024 December 31, 2023
Faktor Modal Faktor Modal
Komponen Pengali Minimum Komponen Pengali Minimum
Pendekatan ATMR untuk ATMR untuk
Indikator Kerugian Risiko Indikator Kerugian Risiko
No. Yang Digunakan Risiko Risiko
Bisnis (KIB) Internal Operasional Bisnis (KIB) Internal Operasional
Approach Used Operasional Operasional
Business (FPKI) (MMRO) Business (FPKI) (MMRO)
RWA for RWA for
Indicator Internal Minimum Indicator Internal Minimum
Operational Operational
Component Loss Operating Risk Component Loss Operating
Risk Risk
(KIB) Multiplier Capital (KIB) Multiplier Risk Capital
(FPKI) (MMRO) (FPKI) (MMRO)
1 Metode 58.275,57 1,00 58.275,57 728.444,63 34.194,00 1,00 34.149,00 426.862,00
Pendekatan
Standar
Standardized
Approach
Method
Jumlah 58.275,57 1,00 58.275,57 728.444,63 34.194,00 1,00 34.149,00 426.862,00
Total
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39. Risiko Operasional - Pengungkapan Kualitatif Umum 39. Operational Risk - General Qualitative Disclosures
Penjelasan pengungkapan kualitatif umum risiko operasional Explanation of general qualitative disclosures of operational risk is
dijelaskan pada bagian Bab Manajemen Risiko explained in the Risk Management Chapter.
40. Risiko Hukum - Pengungkapan Kualitatif Umum 40. Legal Risk - General Qualitative Disclosures
Penjelasan pengungkapan kualitatif umum risiko hukum dijelaskan Explanation of general qualitative disclosures of legal risk is
pada bagian Bab Manajemen Risiko explained in the Risk Management Chapter section
41. Risiko Reputasi - Pengungkapan Kualitatif Umum 41. Reputational Risk - General Qualitative Disclosures
Penjelasan pengungkapan kualitatif umum risiko reputasi Explanation of general qualitative disclosures of reputation risk is
dijelaskan pada bagian Bab Manajemen Risiko explained in the Risk Management Chapter section
42. Risiko Stratejik - Pengungkapan Kualitatif Umum 42. Strategic Risk - General Qualitative Disclosures
Penjelasan pengungkapan kualitatif umum risiko stratejik Explanation of general qualitative disclosures of strategic risk is
dijelaskan pada bagian Bab Manajemen Risiko explained in the Risk Management chapter.
43. Risiko Kepatuhan - Pengungkapan Kualitatif Umum 43. Compliance Risk - General Qualitative Disclosures
Penjelasan pengungkapan kualitatif umum risiko kepatuhan Explanation of general qualitative disclosures of compliance risk is
dijelaskan pada bagian Bab Manajemen Risiko explained in the Risk Management chapter.
44. Tata Kelola - Kebijakan Remunerasi 44. Governance - Remuneration Policy
Penjelasan kebijakan remunerasi dijelaskan pada bagian Tata Explanation of remuneration policy is explained in the
Kelola Remunerasi Remuneration Governance section.
45. Tata Kelola - Laporan Remunerasi Yang Didapatkan Pada 45. Governance - Report on Remuneration Received in the
Tahun Buku Financial Year
Penjelasan laporan remunerasi yang didapatkan pada tahun buku The explanation of the remuneration report obtained in the
dijelaskan pada bagian Tata Kelola Remunerasi financial year is explained in the Remuneration Governance
section.
46. Tata Kelola - Remunerasi Yang Bersifat Variabel 46. Governance - Variable Remuneration
Penjelasan remunerasi yang bersifat variabel dijelaskan pada Explanation of variable remuneration is explained in the
bagian Tata Kelola Remunerasi Remuneration Governance section.
47. Tata Kelola - Remunerasi Yang Bersifat Variabel Yang 47. Governance - Deferred Variable Remuneration
Ditangguhkan
Explanation of deferred variable remuneration is explained in the
Penjelasan Remunerasi yang bersifat variabel yang ditangguhkan Remuneration Governance section.
dijelaskan pada bagian Tata Kelola Remunerasi
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Page 400
Laporan Keberlanjutan
Sustainability Report
Bank berkomitmen dalam menerapkan prinsip keberlanjutan melalui kinerja ekonomi,
sosial, dan lingkungan yang seimbang demi menciptakan nilai jangka panjang bagi
pemangku kepentingan.
The Bank is committed to implementing sustainability principles through balanced economic, social
and environmental performance to create long-term value for stakeholders.
Tentang Laporan Berkelanjutan
About Sustainability Report [GRI 2-3]
Laporan Keberlanjutan PT Bank Maspion ("Bank") untuk tahun TPT Bank Maspion's (“the Bank”) Sustainability Report for
2024 merupakan wujud nyata dari komitmen kami dalam 2024 is a tangible manifestation of our commitment to
menerapkan prinsip transparansi, akuntabilitas, dan praktik transparency, accountability and sustainable development
pembangunan berkelanjutan. Laporan ini menyajikan tinjauan practices. This report presents a comprehensive review of
komprehensif atas kinerja ekonomi, lingkungan, dan sosial the Bank's economic, environmental and social performance
Bank selama periode pelaporan, sekaligus mencerminkan during the reporting period, while reflecting our dedication
dedikasi kami untuk menciptakan nilai jangka panjang yang to creating long-term value that positively impacts society
berdampak positif bagi masyarakat dan pemangku kepentingan. and stakeholders.
Laporan ini mencakup seluruh aktivitas utama dan operasional This report covers all major activities and operations of the
Bank dari 1 Januari hingga 31 Desember 2024. Informasi yang Bank from January 1 to December 31, 2024. The information
disampaikan telah dikumpulkan secara teliti melalui kolaborasi presented has been carefully collected through the collaboration
berbagai unit kerja di dalam Bank, sedangkan data keuangan of various work units within the Bank, while the financial data
telah diaudit oleh Kantor Akuntan Publik Tanubrata Sutanto has been audited by Tanubrata Sutanto Fahmi Bambang &
Fahmi Bambang & Rekan. Meski laporan ini tidak melalui Partners Public Accounting Firm. Although this report is not
proses verifikasi oleh pihak independen, Direksi telah meninjau verified by an independent party, the Board of Directors has
dan menyetujui seluruh data yang dipublikasikan untuk reviewed and approved all published data to ensure the
menjamin akurasi dan keandalan informasi. [OJK G.1][GRI 2-2, accuracy and reliability of the information. [OJK G.1][GRI 2-2,
2-3, 2-5, 2-14] 2-3, 2-5, 2-14]
Laporan ini disusun berdasarkan: This report is prepared in accordance with:
• Peraturan Otoritas Jasa Keuangan Nomor 51/ • Financial Services Authority Regulation Number 51/
POJK.03/2017 POJK.03/2017
• Surat Edaran Otoritas Jasa Keuangan Nomor 16/ • Circular Letter of the Financial Services Authority
SEOJK.04/2021 Number 16/SEOJK.04/2021
• Standar Global Reporting Initiative (GRI) dengan acuan • Global Reporting Initiative (GRI) standards "with
“with reference to” reference to”
Dalam upaya terus meningkatkan kualitas pelaporan, Bank In an effort to continuously improve the quality of reporting,
secara berkesinambungan memperbarui metode pengumpulan the Bank continuously updates data collection methods,
data, teknik pengukuran, dan penyajian informasi. Setiap measurement techniques, and presentation of information.
PT Bank Maspion Indonesia Tbk
400 Laporan Tahunan Terintegrasi 2024
Page 401
perubahan signifikan atau penyajian ulang akan diungkapkan Any significant changes or restatements will be transparently
secara transparan pada bagian yang relevan di laporan ini. disclosed in the relevant sections of this report. For 2024,
Untuk tahun 2024, tidak terdapat perubahan besar pada there are no major changes to the organizational structure,
struktur organisasi, lini bisnis inti, rantai nilai, atau hubungan core business lines, value chain, or other strategic partner
kemitraan strategis lainnya. [GRI 2-4] relationships. [GRI 2-4]
Kontak terkait Laporan [GRI 2-3] Contact regarding the Report
Iwan Djayawasita
Sekretaris Perusahaan
Corporate Secretary
Kantor Pusat Head Office
Pakuwon Tower
Tunjungan Plaza 6 Lt. 32 & 33.
Jl. Embong Malang, No. 21-31, Kel. Kedungdoro, Kec. Tegalsari
Surabaya 60261 Jawa Timur
Telp. (62-31) 985 88789
Email: corsec@bankmaspion.co.id
Website: www.bankmaspion.co.id
Penentuan Topik Material dan Batasan Dampak
Determination of Material Topics and Impact Boundaries [GRI 3-1]
Topik material merujuk pada isu-isu yang memiliki dampak Material topics refer to issues that have the most significant
paling signifikan terhadap aspek ekonomi, lingkungan, dan impact on economic, environmental, and social aspects, as
sosial, sebagaimana ditetapkan berdasarkan Standar Topik defined by the GRI Topic Standards 2021.
GRI (GRI Topic Standards) 2021.
Proses penentuan topik material dalam laporan ini melibatkan The process of determining material topics in this report
langkah-langkah berikut: involved the following steps:
Memahami konteks bisnis Bank untuk mengidentifikasi area Understanding the Bank's business context to identify key
utama yang relevan dengan keberlanjutan. areas relevant to sustainability.
1. Mengidentifikasi dampak yang telah terjadi maupun 1. Identifying existing and potential future impacts.
yang berpotensi terjadi di masa depan.
2. Melakukan penilaian terhadap signifikansi dampak 2. Assessing the significance of these impacts, engaging
tersebut, dengan melibatkan pemangku kepentingan with stakeholders through a materiality survey to obtain
melalui survei materialitas untuk mendapatkan their views on the prioritization of sustainability issues.
pandangan mereka terkait prioritas isu keberlanjutan.
3. Memprioritaskan dampak yang paling signifikan 3. Prioritizing the most significant impacts based on the
berdasarkan hasil identifikasi dan penilaian sebelumnya results of the previous identification and assessment
untuk dilaporkan. Dalam proses ini, meskipun Bank for reporting. In this process, although the Bank has
belum melibatkan pakar eksternal, Manajemen not engaged external experts, Management provides
memberikan arahan strategis dan melakukan strategic direction and conducts monitoring of the
PT Bank Maspion Indonesia Tbk
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Laporan Keberlanjutan
Sustainability Report
pemantauan atas dampak yang dihasilkan di bidang resulting impacts in the economic, environmental and
ekonomi, lingkungan, dan sosial. social areas.
4. Setelah proses pemantauan dan evaluasi selesai, Bank 4. Once the monitoring and evaluation process is complete,
menetapkan topik material dan tingkat prioritasnya. the Bank determines the material topics and their
Berikut adalah diagram alir yang menggambarkan priority level. The following flowchart illustrates the
tahapan penentuan topik material. stages of determining material topics.
TAHAP 1 TAHAP 2 TAHAP 3 TAHAP 4
STAGE 1 STAGE 2 STAGE 3 STAGE 4
Memahami konteks Mengidentifikasi dampak aktual Menilai dampak aktual dan Memprioritaskan dampak yang
keberlanjutan Bank. dan potensial. potensial. paling signifikan untuk
dilaporkan.
Understanding the context of Identifying actual and potential Assessing actual and potential Prioritising the most significant
the Bank's sustainability. impacts. impacts. impacts for reporting.
Daftar topik material adalah sebagai berikut: [GRI 3-2] The list of material Topics is as follows: [GRI 3-2]
Alasan Mengapa Topik Material
Topik Material Pengungkapan
Reasons Why Material Topics
Material Topics Disclosure
[GRI 3-3]
Ekonomi
Economy
Kinerja Ekonomi GRI 201-1, 201-2, 201- Berdampak signifikan bagi pemangku
Economic Performance 3, 201-4 kepentingan
Have significant impacts on the stakeholders
Rasio standar upah karyawan entry-level GRI 202-1, 202-2 Berdampak signifikan bagi karyawan
berdasarkan jenis kelamin terhadap upah Have significant impacts on the employees
minimum regional
Ratios of standard entry level wage by
gender compared to
local minimum wage
Dampak Ekonomi Tidak Langsung GRI 203-1, 203-2 Berdampak signifikan bagi pemangku
Indirect Economic Impact kepentingan
Have significant impacts on the stakeholders
Anti Korupsi GRI 205-1, 205-2, 205-3 Berdampak signifikan bagi keberlangsungan
Anti-Corruption bisnis Bank
Have significant impacts on the Bank’s
business continuity
Lingkungan
Environment
Energi GRI 302-1, 302-2, 302-3, 302-4, Berdampak signifikan bagi keberlanjutan
Energy 302-5 lingkungan dan kesehatan masyarakat
Have significant impacts on the sustainability
of the environment and the community
Sumber Daya Air dan Air Limbah OJK F.8, GRI 303-1, 303-2, 303-3, Berdampak signifikan bagi keberlanjutan
Water Resources and Effluent 303-4, 303-5 lingkungan dan kesehatan masyarakat
Have significant impacts on the sustainability
of the environment and the community
Emisi OJK F.6, OJK F.7, OJK F.12, GRI Berdampak signifikan bagi keberlanjutan
Emission 305-1, 305-2, 305-3, 305-4, 305-5, lingkungan dan kesehatan masyarakat
305-6, 305-7 Have significant impacts on the sustainability
of the environment and the community
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Alasan Mengapa Topik Material
Topik Material Pengungkapan
Reasons Why Material Topics
Material Topics Disclosure
[GRI 3-3]
Limbah OJK F.14, GRI 306-1, 306-2, 306-3, Berdampak signifikan bagi keberlanjutan
Waste 306-4, 306-5 lingkungan dan kesehatan masyarakat
Have significant impacts on the sustainability
of the environment and the community
Sosial
Social
Kekaryawanan OJK F.18, OJK F.19, OJK Berdampak signifikan bagi karyawan dan
Employment F.20, OJK F.21, OJK F.22,GRI 401-1, mitra kerja
401-2, 401-3 Have significant impacts on the employees
and partners
Pengelolaan Keselamatan dan Kesehatan OJK F.21, GRI 403-1, 403-2, 403-3, Berdampak signifikan bagi karyawan dan
Kerja 403-4, 403-5, 403-6, 403-7, 403-8, mitra kerja
Occupational Health and Safety 403-9, 403-10 Have significant impacts on the employees
Management and partners
Pengembangan Kompetensi dan Karir OJK F.22, GRI 404-1, 404-2, 404-3 Berdampak signifikan bagi karyawan
Karyawan Have significant impacts on the employees
Employee Competency and Career
Development
Keberagaman dan Kesetaraan Peluang OJK F.18, OJK F.19, OJK Berdampak signifikan bagi karyawan
Diversity and Equal Opportunities F.20,GRI 405-1, 405-2, 406-1 Have significant impacts on the employees
Pemberdayaan Masyarakat OJK F.23, OJK F.25, GRI 413-1, 413-2 Berdampak signifikan bagi masyarakat
Community Empowerment Have significant impacts on the community
Pengaduan Nasabah OJK F.24 Berdampak signifikan bagi nasabah
Customer’s Complaints Have significant impacts on the customers
Menjaga Hak dan Melindungi Pelanggan OJK F.27,GRI 418-1 Berdampak signifikan bagi nasabah
Protecting Customer Rights Have significant impacts on the customers
Dampak dari Produk dan Jasa OJK F.28,GRI 416-1, GRI 416-2 Berdampak signifikan bagi nasabah dan Bank
Impacts of the Products and Services Have significant impacts on the customers
and the Bank
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Laporan Keberlanjutan
Sustainability Report
Berkomitmen Pada Prinsip Keberlanjutan
Dedicated to Upholding Sustainability Principles
Bank Maspion berkomitmen untuk menerapkan prinsip keberlanjutan secara holistik
dengan mengintegrasikan aspek ekonomi, sosial, dan lingkungan ke dalam setiap
aktivitas operasional dan strateginya untuk mendukung pembangunan berkelanjutan.
Bank Maspion is committed to implementing sustainability principles holistically by integrating
economic, social and environmental aspects into every operational activity and strategy to support
sustainable development.
STRATEGI KEBERLANJUTAN SUSTAINABILITY STRATEGY [OJK A.1]
[GRI 2-22]
Community
Business Model
Operational
Digital
Transformation Operational Digital
Digital
Banking Digital Transformation Banking
Bank Maspion menetapkan strategi keberlanjutan yang Bank Maspion has established a sustainability strategy that
berfokus pada menciptakan keseimbangan antara pertumbuhan focuses on creating a balance between economic growth,
ekonomi, perlindungan lingkungan, dan pemberdayaan sosial. environmental protection and social empowerment. Through
Melalui integrasi prinsip Lingkungan, Sosial, dan Tata Kelola the integration of Environmental, Social and Governance
(LST) ke dalam setiap aspek operasional dan pengambilan (ESG) principles into every aspect of operational and strategic
keputusan strategis, Bank berkomitmen untuk menjadi katalis decision-making, the Bank is committed to being a catalyst
dalam mendukung pembangunan berkelanjutan di Indonesia. in supporting sustainable development in Indonesia.
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404 Laporan Tahunan Terintegrasi 2024
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1. Pendekatan Ekonomi: 1. Economic Approach:
Bank Maspion mengedepankan inovasi dalam produk Bank Maspion prioritizes innovation in products and
dan layanan yang mendorong inklusi keuangan, services that encourage financial inclusion, especially
khususnya bagi sektor UMKM yang menjadi tulang for the MSME sector which is the backbone of the
punggung perekonomian nasional. Pendekatan ini national economy. This approach is realized through
diwujudkan melalui skema pembiayaan yang sustainable financing schemes, lending for
berkelanjutan, penyaluran kredit untuk proyek-proyek environmentally friendly projects, and providing access
yang ramah lingkungan, dan penyediaan akses to finance for underserved communities. The Bank
keuangan bagi masyarakat yang kurang terlayani. Bank also continues to improve operational efficiency and
juga terus meningkatkan efisiensi operasional dan competitiveness through strengthening digital
daya saing melalui penguatan teknologi digital technology (Operational Digital Transformation) to
(Operational Digital Transformation) untuk mendukung support sustainable growth.
pertumbuhan yang berkelanjutan.
2. Pendekatan Lingkungan: 2. Environmental Approach:
Dalam menjaga kelestarian lingkungan, Bank Maspion In preserving the environment, Bank Maspion adopts
mengadopsi praktik-praktik hijau di seluruh kegiatan green practices throughout its operations. This includes
operasionalnya. Langkah ini mencakup pengurangan reducing energy consumption, responsible waste
konsumsi energi, pengelolaan limbah yang bertanggung management, and digitizing services (Digital Banking)
jawab, dan digitalisasi layanan (Digital Banking) untuk to reduce carbon footprint. The bank is also proactive
mengurangi jejak karbon. Bank juga proaktif dalam in supporting the financing of renewable energy projects
mendukung pembiayaan proyek energi terbarukan as well as businesses that focus on environmental
serta bisnis yang berfokus pada solusi lingkungan, solutions, such as clean water management and
seperti pengelolaan air bersih dan daur ulang. recycling.
3. Pendekatan Sosial: 3. Social Approach:
Pemberdayaan masyarakat menjadi inti dari strategi Community empowerment is at the core of Bank
keberlanjutan Bank Maspion. Bank berkomitmen untuk Maspion’s sustainability strategy. The Bank is committed
meningkatkan kesejahteraan komunitas (Community to improving community welfare (Community Business
Business Model) melalui program edukasi keuangan, Model) through financial education programs, providing
pemberian akses pembiayaan bagi UMKM, serta access to financing for MSMEs, as well as implementing
pelaksanaan kegiatan tanggung jawab sosial yang social responsibility activities that focus on education,
berfokus pada pendidikan, kesehatan, dan pengentasan health, and poverty alleviation. These efforts are in
kemiskinan. Upaya ini sejalan dengan visi Bank untuk line with the Bank’s vision to build an inclusive and
membangun masyarakat yang inklusif dan berdaya. empowered society.
4. Pendekatan Tata Kelola: 4. Governance Approach:
Bank Maspion memastikan tata kelola yang baik dengan Bank Maspion ensures good governance by
menerapkan transparansi, akuntabilitas, dan kepatuhan implementing transparency, accountability, and
terhadap regulasi. Proses penilaian risiko LST secara regulatory compliance. A regular ESG risk assessment
berkala dilakukan untuk memastikan bahwa seluruh process is conducted to ensure that all Bank activities
kegiatan Bank sejalan dengan tujuan keberlanjutan. are in line with sustainability objectives. Management
Manajemen juga berperan aktif dalam memberikan also plays an active role in providing strategic direction,
arahan strategis, memantau kinerja keberlanjutan, dan monitoring sustainability performance, and promoting
mendorong budaya perusahaan yang mengutamakan a corporate culture that prioritizes integrity and work
integritas serta etika kerja. ethics.
Melalui strategi keberlanjutan yang holistik, Bank Maspion terus Through a holistic sustainability strategy, Bank Maspion
beradaptasi dengan tantangan global dan lokal, seperti perubahan continues to adapt to global and local challenges, such as
iklim dan ketimpangan sosial. Bank optimis bahwa dengan climate change and social inequality. The Bank is optimistic
mendukung pembangunan berkelanjutan, Bank tidak hanya dapat that by supporting sustainable development, it can not only
memberikan nilai tambah bagi pemangku kepentingan tetapi juga provide added value to stakeholders but also be part of the
menjadi bagian dari solusi untuk masa depan yang lebih baik. solution for a better future.
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Laporan Keberlanjutan
Sustainability Report
KEGIATAN MEMBANGUN BUDAYA ACTIVITIES TO BUILD A CULTURE
KEBERLANJUTAN OF SUSTAINABILITY [OJK F.1] [GRI 2-24]
Bank Maspion menyadari bahwa keberlanjutan bukan hanya Bank Maspion realizes that sustainability is not just a goal,
tujuan, melainkan cara kerja yang harus diinternalisasi dalam but a way of working that must be internalized in all business
seluruh aktivitas bisnis dan operasional. Oleh karena itu, and operational activities. Therefore, implementing a culture
penerapan budaya keberlanjutan menjadi prioritas strategis of sustainability is a strategic priority for the Bank to create
Bank untuk menciptakan harmoni antara pertumbuhan ekonomi, harmony between economic growth, social welfare, and
kesejahteraan sosial, dan perlindungan lingkungan. environmental protection.
1. Mengintegrasikan Prinsip Keberlanjutan ke dalam Nilai 1. Integrating Sustainability Principles into Corporate
Perusahaan: Values:
Bank Maspion menanamkan nilai-nilai keberlanjutan Bank Maspion embedded sustainability values into
ke dalam budaya kerjanya, termasuk prinsip layanan its work culture, including the principles of excellent
prima, kedisiplinan, kolaborasi, dedikasi, dan loyalitas. service, discipline, collaboration, dedication, and
Prinsip ini menjadi pedoman dalam menjalankan setiap loyalty. These principles guide every task and decision
tugas dan pengambilan keputusan, memastikan bahwa making, ensuring that sustainability becomes an
keberlanjutan menjadi bagian tak terpisahkan dari integral part of the Bank’s identity.
identitas Bank.
2. Edukasi dan Kesadaran Karyawan: 2. Employee Education and Awareness:
Untuk memperkuat pemahaman dan kesadaran akan To strengthen understanding and awareness of the
pentingnya keberlanjutan, Bank Maspion secara rutin importance of sustainability, Bank Maspion regularly
menyelenggarakan pelatihan, lokakarya, dan sosialisasi. organizes training, workshops, and socialization. These
Program-program ini dirancang untuk membekali programs are designed to equip employees with
karyawan dengan pengetahuan tentang praktik knowledge on sustainable financial practices, ESG
keuangan berkelanjutan, pengelolaan risiko LST, dan risk management, and environmental initiatives, such
inisiatif lingkungan, seperti pengurangan jejak karbon as carbon footprint reduction and waste management.
dan pengelolaan limbah.
3. Mendorong Perilaku Ramah Lingkungan: 3. Encouraging Environmentally Friendly Behavior:
Bank Maspion mengimplementasikan langkah-langkah Bank Maspion implements concrete measures to
konkret untuk menciptakan lingkungan kerja yang lebih create a greener work environment, including reducing
hijau, termasuk mengurangi penggunaan kertas dengan the use of paper with a digitization system, reducing
sistem digitalisasi, mengurangi plastik sekali pakai, dan single-use plastics, and implementing waste segregation
menerapkan pemilahan sampah di seluruh unit kerja. in all work units. In addition, internal campaigns such
Selain itu, kampanye internal seperti mendorong perilaku as encouraging go green behavior became a means
go green menjadi sarana untuk mendorong partisipasi to encourage active participation of employees in
aktif karyawan dalam kegiatan ramah lingkungan. environmentally friendly activities.
4. Inovasi dalam Produk dan Layanan: 4. Innovation in Products and Services:
Sebagai bagian dari budaya keberlanjutan, Bank As part of its culture of sustainability, Bank Maspion
Maspion terus mengembangkan produk dan layanan continues to develop products and services that support
yang mendukung inklusi keuangan dan mendorong financial inclusion and encourage financing of social
pembiayaan sektor-sektor yang berorientasi pada and environmental impact-oriented sectors. This
dampak sosial dan lingkungan. Pendekatan ini tidak approach not only increases added value for customers,
hanya meningkatkan nilai tambah bagi nasabah, tetapi but also contributes to the achievement of sustainable
juga berkontribusi pada pencapaian tujuan pembangunan development goals.
berkelanjutan.
5. Monitoring dan Evaluasi Berkelanjutan: 5. Continuous Monitoring and Evaluation:
Budaya keberlanjutan di Bank Maspion diperkuat The culture of sustainability at Bank Maspion is
melalui proses pemantauan dan evaluasi yang rutin. reinforced through regular monitoring and evaluation
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Bank mengukur efektivitas program-program processes. The Bank measures the effectiveness of
keberlanjutan serta dampaknya terhadap masyarakat, its sustainability programs and their impact on society,
lingkungan, dan pemangku kepentingan. Hasil dari the environment and stakeholders. The results of this
proses ini digunakan untuk mengidentifikasi peluang process are used to identify opportunities for
perbaikan dan inovasi di masa depan. improvement and innovation in the future.
Melalui penerapan budaya keberlanjutan, Bank Maspion tidak Through the implementation of a culture of sustainability,
hanya berkomitmen untuk meningkatkan daya saing perusahaan, Bank Maspion is not only committed to improving the
tetapi juga memainkan peran aktif dalam menjaga keseimbangan competitiveness of the company, but also plays an active
antara kebutuhan ekonomi dan tanggung jawab terhadap role in maintaining a balance between economic needs and
masyarakat serta lingkungan. Dengan melibatkan seluruh responsibilities to society and the environment. By involving
karyawan dan pemangku kepentingan, Bank terus berupaya all employees and stakeholders, the Bank continues to realize
mewujudkan visinya sebagai institusi keuangan yang its vision as a sustainable and highly competitive financial
berkelanjutan dan berdaya saing tinggi. institution.
PENERAPAN KEUANGAN IMPLEMENTATION OF
BERKELANJUTAN SUSTAINABLE FINANCE [GRI 2-14]
Bank Maspion secara proaktif mengembangkan penerapan Bank Maspion proactively develops the implementation of
Keuangan Berkelanjutan sesuai dengan regulasi Otoritas Jasa Sustainable Finance in accordance with the regulations of
Keuangan (OJK) dan disesuaikan dengan skala, dinamika, the Financial Services Authority (OJK) and adapted to the
serta kompleksitas operasional Bank. Sebagai bagian dari scale, dynamics, and complexity of the Bank’s operations. As
tanggung jawabnya untuk mendukung pembangunan part of its responsibility to support sustainable development,
berkelanjutan, Bank merancang Rencana Aksi Keuangan the Bank designed a Sustainable Finance Action Plan (SFAP)
Berkelanjutan (RAKB) yang mengacu pada ketentuan Peraturan that refers to the provisions of Financial Services Authority
Otoritas Jasa Keuangan Nomor 51/POJK.03/2017 serta pedoman Regulation Number 51/POJK.03/2017 and relevant technical
teknis yang relevan. guidelines.
Rencana ini menjadi kerangka kerja strategis untuk memastikan This plan serves as a strategic framework to ensure that
bahwa prinsip keberlanjutan terintegrasi dalam seluruh aktivitas sustainability principles are integrated in all business activities
bisnis dan operasional Bank. Bank Maspion memandang and operations of the Bank. Bank Maspion views sustainable
keuangan berkelanjutan sebagai motor penggerak untuk finance as a driving force to create greater positive impact
menciptakan dampak positif yang lebih besar dalam dimensi in the economic, social and environmental dimensions, while
ekonomi, sosial, dan lingkungan, sekaligus menjaga maintaining a balance between business interests and global
keseimbangan antara kepentingan bisnis dan tujuan development goals.
pembangunan global.
Peran Keuangan Berkelanjutan dalam The Role of Sustainable Finance in
Pembangunan Global Global Development
Sebagai bagian dari komitmen terhadap pembangunan As part of its commitment to sustainable development, Bank
berkelanjutan, Bank Maspion mendukung pencapaian Maspion supports the achievement of the Sustainable
Sustainable Development Goals (SDGs) melalui perannya Development Goals (SDGs) through its role as a responsible
sebagai lembaga keuangan yang bertanggung jawab. Bank financial institution. The Bank has chosen to focus its efforts
memilih untuk memfokuskan upayanya pada enam pilar SDGs on six pillars of the SDGs that have high relevance to the
yang memiliki relevansi tinggi dengan pasar dan komunitas markets and communities in which it operates. These six
tempat Bank beroperasi. Keenam pilar ini mencakup: pillars include:
1. Pendidikan Berkualitas (SDG 4): Mendukung inklusi 1. Quality Education (SDG 4): Supporting financial inclusion
keuangan untuk lembaga pendidikan dan menyediakan for educational institutions and providing financing
pembiayaan untuk program-program pendidikan yang for educational programs that empower communities.
memberdayakan masyarakat.
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2. Kesetaraan Gender (SDG 5): Mengutamakan 2. Gender Equality (SDG 5): Promoting diversity and
keberagaman dan inklusi dalam struktur organisasi, inclusion in organizational structures, and providing
serta menyediakan layanan keuangan yang mendukung financial services that support women’s empowerment.
pemberdayaan perempuan.
3. Pekerjaan Layak dan Pertumbuhan Ekonomi (SDG 8): 3. Decent Work and Economic Growth (SDG 8): Provide
Memberikan akses pembiayaan bagi sektor UMKM access to finance for the MSME sector and creative
dan industri kreatif, yang menjadi tulang punggung industries, which form the backbone of local economic
pertumbuhan ekonomi lokal. growth.
4. Infrastruktur, Inovasi, dan Industri (SDG 9): Mendorong 4. Infrastructure, Innovation and Industry (SDG 9):
investasi dalam proyek-proyek infrastruktur berkelanjutan Encourage investment in sustainable infrastructure
dan mendukung inovasi teknologi. projects and support technological innovation.
5. Konsumsi dan Produksi yang Bertanggung Jawab (SDG 5. Responsible Consumption and Production (SDG 12):
12): Mengurangi dampak lingkungan melalui digitalisasi Reduce environmental impact through digitization of
layanan dan efisiensi energi dalam operasional Bank. services and energy efficiency in Bank operations.
6. Tindakan untuk Iklim (SDG 13): Membiayai proyek- 6. Action on Climate (SDG 13): Finance environmentally
proyek ramah lingkungan dan mendukung pelaksanaan friendly projects and support the implementation of
praktik bisnis yang rendah karbon. low carbon business practices.
Bank Maspion memahami bahwa penerapan keuangan Bank Maspion understands that implementing sustainable
berkelanjutan adalah perjalanan panjang yang membutuhkan finance is a long journey that requires constant adaptation
adaptasi dan inovasi yang terus-menerus. Melalui RAKB, Bank and innovation. Through the RAKB, the Bank sets strategic
menetapkan prioritas strategis dan target keberlanjutan yang priorities and measurable sustainability targets, ensuring that
terukur, memastikan bahwa setiap langkah yang diambil every step taken makes a real contribution to society and the
memberikan kontribusi nyata terhadap masyarakat dan environment.
lingkungan.
Dengan berpegang teguh pada visi keberlanjutan, Bank By adhering to the vision of sustainability, Bank Maspion is
Maspion berkomitmen untuk tidak hanya menciptakan nilai committed to not only creating economic value, but also
ekonomi, tetapi juga menjadi mitra terpercaya dalam becoming a trusted partner in building a better future for
membangun masa depan yang lebih baik bagi generasi future generations.
mendatang.
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Rencana Aksi Keuangan Berkelanjutan Sustainable Finance Action Plan at
di Bank Maspion Bank Maspion
Bank Maspion merancang Rencana Aksi Keuangan Berkelanjutan Bank Maspion designed a Sustainable Finance Action Plan
(RAKB) sebagai langkah strategis untuk mengintegrasikan (SFAP) as a strategic step to integrate sustainability principles
prinsip keberlanjutan dalam kegiatan operasional dan bisnis. in operations and business activities. The action plan is
RAKB ini dirancang dalam dua horizon waktu, yaitu jangka designed in two time horizons, namely short-term and long-
pendek dan jangka panjang, dengan fokus utama pada term, with the main focus on developing the Bank’s internal
pengembangan kapasitas internal Bank. Melalui peningkatan capacity. Through improving human capital competencies,
kompetensi human capital, Bank melaksanakan program the Bank implemented training and education programs
pelatihan dan pendidikan yang dirancang khusus untuk specifically designed to improve employees’ understanding
meningkatkan pemahaman karyawan terhadap isu Lingkungan, of Environmental, Social and Governance (ESG) issues. In
Sosial, dan Tata Kelola (LST). Selain itu, Bank juga melakukan addition, the Bank also mapped out a credit portfolio that
pemetaan portofolio kredit yang mendukung inisiatif supports sustainability initiatives, including sectors that are
keberlanjutan, termasuk sektor-sektor yang berwawasan environmentally and socially sound.
lingkungan dan sosial.
Integrasi Keberlanjutan dalam Strategi Integration of Sustainability in Business
Bisnis Strategy
RAKB Bank Maspion menempatkan keberlanjutan sebagai Bank Maspion’s RAKB places sustainability as a shared
tanggung jawab bersama yang terintegrasi ke dalam strategi responsibility that is integrated into the corporate strategy.
korporat. Direksi berperan aktif dalam menetapkan prioritas The Board of Directors plays an active role in setting material
LST yang material, memberikan panduan manajemen, serta ESG priorities, providing management guidance, and ensuring
memastikan keseimbangan antara risiko dan peluang dalam a balance between risks and opportunities in all business
seluruh unit bisnis. Komitmen ini diwujudkan melalui penerapan units. This commitment is realized through the application of
prinsip inklusif, seperti meningkatkan penyaluran kredit kepada inclusive principles, such as increasing lending to Micro, Small
Usaha Mikro, Kecil, dan Menengah (UMKM), khususnya yang and Medium Enterprises (MSMEs), especially those in the
berada dalam kategori Kegiatan Usaha Berwawasan Lingkungan category of Environmentally Sound Business Activities (KUBL).
(KUBL).
Prinsip Keuangan Berkelanjutan Bank Bank Maspion Sustainable Finance
Maspion Principles
Bank menerapkan empat prinsip utama dalam keuangan The Bank applies four main principles in sustainable finance
berkelanjutan untuk memastikan keberlanjutan dan integrasi to ensure sustainability and integration of ESG (Environmental,
aspek ESG (Environmental, Social, Governance) dalam strategi Social, Governance) aspects in corporate strategy:
korporat:
1. Prinsip Pengelolaan Risiko 1. Risk Management Principle
Mengintegrasikan perlindungan lingkungan hidup dan Integrate environmental protection and social
tanggung jawab sosial dalam manajemen risiko responsibility in financial risk management.
keuangan.
2. Prinsip Pengembangan Sektor Ekonomi Prioritas 2. Principle of Priority Economic Sector Development
Mendukung sektor-sektor ekonomi yang bersifat inklusif Supporting economic sectors that are inclusive and
dan berkelanjutan. sustainable.
3. Prinsip Governansi Korporat 3. Corporate Governance Principles
Mengutamakan tata kelola yang baik dalam aspek Prioritize good governance in environmental and social
lingkungan hidup dan tanggung jawab sosial, termasuk responsibility aspects, including sustainability reporting.
pelaporan berkelanjutan.
4. Prinsip Peningkatan Kapasitas dan Kemitraan Kolaboratif 4. Capacity Building and Collaborative Partnership
Membentuk sinergi melalui kolaborasi lintas sektor Principles
untuk memperkuat implementasi keuangan Form synergies through cross-sector collaboration to
berkelanjutan. strengthen the implementation of sustainable finance.
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Komitmen terhadap Pembangunan Commitment to Sustainable
Berkelanjutan Development
Sebagai bentuk tanggung jawabnya, Bank Maspion berkontribusi As part of its responsibility, Bank Maspion actively contributes
aktif dalam pencapaian tujuan nasional, termasuk Rencana to the achievement of national goals, including the Medium-
Pembangunan Jangka Menengah (RPJM) dan Rencana Term Development Plan (RPJM) and Long-Term Development
Pembangunan Jangka Panjang (RPJP). Bank berkomitmen Plan (RPJP). The Bank is committed to the 3P principles (People,
terhadap prinsip 3P (People, Planet, Profit) yang menjadi dasar Planet, Profit) which form the basis for long-term value creation
penciptaan nilai jangka panjang sekaligus mendukung while supporting resilience and competitiveness.
ketahanan dan daya saing.
Sejalan dengan komitmen nasional dan global terhadap isu In line with national and global commitments to climate change
perubahan iklim, Bank juga berfokus pada mitigasi dan adaptasi issues, the Bank also focuses on mitigating and adapting to
risiko iklim dengan mendukung transisi menuju ekonomi climate risks by supporting the transition to a low carbon
rendah karbon. Hal ini diwujudkan melalui pembiayaan proyek- economy. This is realized through financing environmentally
proyek ramah lingkungan dan inovasi layanan keuangan yang friendly projects and innovating more sustainable financial
lebih berkelanjutan. [GRI 2-16] services. [GRI 2-16]
Pengembangan Produk dan Jasa Development of Sustainable Products
Berkelanjutan and Services
Bank Maspion terus memperluas portofolio produk dan layanan Bank Maspion continues to expand its portfolio of sustainable
keuangan berkelanjutan, baik dari sisi pendanaan maupun financial products and services, both in terms of funding and
pembiayaan. Hal ini dilakukan untuk menjawab meningkatnya financing. This is done to respond to the increasing needs of
kebutuhan masyarakat terhadap solusi keuangan yang the community for responsible and environmentally friendly
bertanggung jawab dan ramah lingkungan. Dengan mendukung financial solutions. By supporting a low-carbon ecosystem,
ekosistem rendah karbon, Bank berkomitmen menjadi mitra the Bank is committed to being a strategic partner in achieving
strategis dalam mencapai tujuan pembangunan berkelanjutan sustainable development goals that are more inclusive and
yang lebih inklusif dan berkelanjutan. sustainable.
Tantangan Penerapan Keuangan Berkelanjutan [OJK E.5]
Challenges in Sustainable Finance Implementation [OJK E.5]
Tantangan dapat terjadi baik dari sisi eksternal maupun internal. Challenges can arise from both external and internal aspects.
Dari sisi eksternal, kondisi perekonomian global dan nasional Externally, dynamic global and national economic conditions
yang dinamis serta sektor perbankan dapat mempengaruhi and the banking sector can affect the Bank's performance
kinerja Bank dan implementasi keuangan berkelanjutan. and the implementation of sustainable finance. In solving this,
Menghadapi hal ini, Bank sebagai katalis pembangunan the Bank, as a catalyst for economic development, will continue
ekonomi akan tetap berusaha untuk mendorong praktik-praktik to strive to encourage more responsible, sustainable and
bisnis yang lebih bertanggung jawab dan berkelanjutan serta environmentally friendly business practices, which are also
ramah lingkungan, yang juga diterapkan dalam kegiatan applied in daily operational activities.
operasional sehari-hari.
Dari sisi internal, tantangan yang dihadapi adalah proses Internally, the challenge is the process of integrating and
integrasi dan realisasi antara visi dan misi keberlanjutan denan realizing the vision and mission of sustainability with the
kegiatan bisnis Bank. Untuk itu, Bank terus mendorong seluruh Bank's business activities. To this end, the Bank continues to
karyawan untuk turut berpartisipasi dalam proses pengintegrasian encourage all employees to participate in the process of
dan implementasi aksi keuangan berkelanjutan. Bank akan integrating and implementing sustainable finance actions.
berupaya untuk memastikan seluruh karyawan dapat memahami The Bank will strive to ensure that all employees understand
pentingnya aksi keuangan berkelanjutan dan dapat memberikan the importance of sustainable finance actions and can contribute
kontribusi dapat pencapaian sasaran-sasaran yang ditetapkan. to the achievement of the set goals.
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Ikhtisar Kinerja Keberlanjutan
Sustainability Performance Highlights
Kinerja Ekonomi
Economic Performance [OJK B.1] [GRI 204-1]
Keterangan Satuan
2024 2023 2022
Description Unit
Aset Ribuan Rupiah 22.305.050.012 19.665.962.966 14.956.302.274
Asset Thousand Rupiah
Pendapatan Bunga, Bersih Ribuan Rupiah 712.464.334 531.755.790 421.024.452
Net interest income Thousand Rupiah
Laba Tahun Berjalan Ribuan Rupiah (247.211.570) 63.253.410 114.940.964
Current year profit Thousand Rupiah
Beban Pajak, bersih* Ribuan Rupiah 64.075.261 20.570.476 36.129.122
Tax Expense, net* Thousand Rupiah
Laba Per Saham Dasar Rupiah (13,66) 6,72 23,99
Basic Earnings Per Share Rupiah
Total Nasabah** Nasabah 74.415 74.019 70.472
Total Customers** Customers
Jumlah Pemasok/Vendor Lokal Pemasok/Vendor 148 N/A N/A
Total Local Supplier/Vendor Supplier/Vendor
Persentase % 96,73% N/A N/A
Pemasok/Vendor Lokal
Percentage of Local
Produk Ramah Lingkungan
Environmental Friendly Product
Total Kredit/Pembiayaan Kegiatan Usaha Rp 1.435.886.240.366 1.346.357.297.652 1.415.576.012.324
Berkelanjutan
Total Credit/Financing for Sustainable
Business Activities
Presentasi Total Kredit/Pembiayaan % 8,74 10,16 16,11
Kegiatan Usaha Berkelanjutan terhadap
Total Kredit/Pembiayaan Bank
Presentation of Total Credit/Financing
for Sustainable Business Activities to
Total Bank Credit/Financing***
* :Beban pajak bersih hanya bersumber dari PPh Badan (bukan keseluruhan pajak yang dibayarkan oleh Bank)
* :Net tax expense is only from Corporate Income Tax (not the entire tax paid by the Bank)
**: Total nasabah yang mempunyai portfolio di Bank
**: Total customers who have a portfolio at the Bank
Kinerja Lingkungan
Environmental Performance [OJK B.2]
Keterangan Satuan
2024 2023 2022
Description Unit
Penggunaan Listrik kWh 4.019.477 1.494.279 1.278.067
Electricity Usage
GigaJoule 14.470,12 5.379,40 4.601,04
Penggunaan BBM liter 45.668 N/A N/A
Fuel Usage
GigaJoule 1.561,85 N/A N/A
Penggunaan Energi (Listrik dan BBM) GigaJoule 16.031,97 5.379,40 4.601,04
Energy Usage (Electricity and Fuel
Emisi GRK Cakupan 1 Ton Co2eq 109,93 N/A N/A
Scope 1 GHG Emission
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Keterangan Satuan
2024 2023 2022
Description Unit
Emisi GRK Cakupan 2 Ton Co2eq 3.818,50 1.300,02 1.111,92
Scope 2 GHG Emission
Jumlah Emisi GRK (Cakupan dan Cakupan 2) Ton Co2eq 3.928,43 1.300,02 1.111,92
Total GHG Emission (Scope 1 and Scope 2)
Penambahan (Pengurangan) Jumlah Emisi GRK Ton Co2eq 2.628,41 188,1 1.111,92
Addition (Reduction) of Total GHG Emission
Pemakaian Air m3 547.831 13.073 13.557
Water Usage
Pemakaian Kertas Rim 1.790 4.291 3.874
Paper Usage Reams
Jumlah Limbah Ton 4,48 4,58 N/A
Total Waste
Penambahan (Pengurangan) Jumlah Limbah Ton 0,10 4,58 N/A
Addition (Reduction) of Total Waste
Program Pelestarian Keanekaragaman Hayati Program Pada tahun 2024, Bank melaksanakan kegiatan penanaman
Biodiversity Preservation Program pohon dalam program “Green Threads: Roots for the Future”
sebagai bagian dari upaya pelestarian keanekaragaman hayati.
In 2024, the Bank will carry out tree planting activities as part of
the “Green Threads: Roots for the Future” program as part of its
efforts to preserve biodiversity.
Kinerja Sosial
Social Performance [OJK B.3]
Keterangan Satuan
2024 2023 2022
Description Unit
Jumlah Pegawai Orang 946 826 796
Number of Employees Person
Rekrutmen* Orang 120 146 127
Recruitment* Person
Tingkat Perputaran Pegawai (tahun) % 18,4 14,3 14,3
Employee Turnover Rate (year)
Pelatihan Jumlah Topik 366 122 18
Training Number of Topic
Jumlah Kecelakaan Kerja selama kegiatan - - -
operasional Bank
Number of Work Accidents during the Frequency Rate (FR)
Bank’s
operational activities
Jumlah Pelayanan dan Penyelesaian Jumlah 91 89 73
Pengaduan Nasabah Total
Number of Services and Settlement of
Consumer Complaints
* : Secara total, tanpa memperhitungkan jumlah yang tidak lulus probation/resign
* :In total, without considering the numberof employees that did not pass the probation/resign
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KEBIJAKAN MERESPON RESPONDING TO CHALLENGES
TANTANGAN [OJK D.1.A] POLICY [OJK D.1.A]
Bank Maspion telah menerapkan strategi keberlanjutan yang Maspion Bank has implemented a sustainability strategy that
mencakup tiga pilar utama, yakni Operational Digital includes three main pillars, namely Operational Digital
Transformation, Community Business Model, dan Digital Transformation, Community Business Model, and Digital
Banking. Ketiga pilar ini sejalan dengan pendekatan aspek Banking. These three pillars are in line with the Environmental,
Lingkungan, Sosial, dan Tata Kelola (LST) yang menjadi Social, and Governance (ESG) approach which is the foundation
landasan dalam operasional Perseroan. Sebagai bagian dari of the Company's operations. As part of its commitment to
komitmennya terhadap keuangan berkelanjutan, Bank telah sustainable finance, the Bank has designed a Sustainable
merancang Rencana Aksi Keuangan Berkelanjutan (RAKB), Finance Action Plan (SFAP), which aims to strengthen the
yang bertujuan untuk memperkuat integrasi keberlanjutan integration of sustainability in every aspect of business
dalam setiap aspek kegiatan bisnis, serta mendukung activities, as well as support the achievement of sustainable
pencapaian tujuan pembangunan berkelanjutan secara development goals as a whole.
menyeluruh.
PENERAPAN KEUANGAN IMPLEMENTATION OF
BERKELANJUTAN [OJK D.1.b] SUSTAINABLE FINANCE [OJK D.1.b]
Bank Maspion mencatatkan pencapaian signifikan dalam Maspion Bank recorded significant achievements in sustainable
keuangan berkelanjutan pada tahun 2024. Pendapatan bunga finance in 2024. Net interest income grew along with loans,
bersih tumbuh bersama dengan kredit yang meningkat 24,10%, which increased by 24.10% to Rp13.25 trillion, and deposits,
mencapai Rp13,25 triliun, dan DPK yang tumbuh 20,12%, which grew by 20.12% to Rp11.03 trillion. As part of its
mencapai Rp11,03 triliun. Sebagai bagian dari komitmennya commitment to sustainability, the Bank distributed Rp1.44
terhadap keberlanjutan, Bank menyalurkan Rp1,44 triliun untuk trillion for sustainable business activities, equivalent to 8.74%
kegiatan usaha berkelanjutan, setara dengan 8,74% dari total of total loans. On the environmental side, the Bank calculated
kredit. Di sisi lingkungan, Bank menghitung emisi dengan total emissions totaling 109.93 TCO2e (scope 1) and 3,818.50
109,93 TCO2e (cakupan 1) dan 3.818,50 TCO2e (cakupan 2), TCO2e (scope 2), and used 16,031.97 GJ of energy, while
serta menggunakan energi sebesar 16.031,97 GJ, sambil implementing energy efficiency and environmentally friendly
menerapkan efisiensi energi dan teknologi ramah lingkungan. technology. In social terms, the Bank provided training to 937
Dalam hal sosial, Bank memberikan pelatihan kepada 937 employees and organized financial literacy for the community,
karyawan dan menyelenggarakan literasi keuangan untuk as well as planting trees to support environmental sustainability.
masyarakat, sekaligus melakukan penanaman pohon untuk
mendukung kelestarian lingkungan.
STRATEGI PENCAPAIAN TARGET TARGET ACHIEVEMENT STRATEGY
[OJK D.1.c] [OJK D.1.c]
Bank Maspion senantiasa berkomitmen untuk mengelola Maspion Bank is always committed to managing risks, including
risiko, termasuk risiko yang terkait dengan aspek Lingkungan, those related to Environmental, Social, and Governance (ESG)
Sosial, dan Tata Kelola (LST), dalam setiap strategi yang aspects, in every strategy implemented. Going forward, the
diimplementasikan. Ke depan, Bank akan terus mengintegrasikan Bank will continue to integrate sustainability principles into
prinsip-prinsip keberlanjutan dalam pengambilan keputusan, its decision-making to ensure the achievement of established
guna memastikan pencapaian target-target keberlanjutan sustainability targets. In addition, the Bank will also continue
yang telah ditetapkan. Selain itu, Bank juga akan terus to strengthen its risk mitigation efforts, both operationally and
memperkuat upaya mitigasi risiko, baik dari sisi operasional socially, to support the achievement of sustainable financial
maupun sosial, untuk mendukung pencapaian tujuan keuangan goals and maintain a balance between business growth and
berkelanjutan serta menjaga keseimbangan antara pertumbuhan social and environmental responsibility.
bisnis dan tanggung jawab sosial dan lingkungan.
PT Bank Maspion Indonesia Tbk
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Menuju Perekonomian yang Berkelanjutan
Heading toward Sustainable Economy
Bank berkomitmen untuk mendukung ekonomi berkelanjutan dengan mengembangkan
produk dan layanan keuangan yang inklusif. Melalui inovasi dan kolaborasi, Bank
terus memperkuat portofolio pembiayaan berkelanjutan serta mengintegrasikan
prinsip-prinsip keberlanjutan dalam setiap operasionalnya.
The Bank is committed to supporting a sustainable economy by developing inclusive financial
products and services. Through innovation and collaboration, the Bank continues to strengthen
its sustainable financing portfolio and integrate sustainability principles in its operations.
Tinjauan Perekonomian &
Ketahanan Sistem Perbankan
Economic Review & Banking System Resilience
Pada tahun 2024, perekonomian Indonesia menunjukkan In 2024, the Indonesian economy showed solid resilience
ketahanan yang solid meskipun menghadapi tantangan despite facing significant external challenges. Based on data
eksternal yang signifikan. Berdasarkan data Badan Pusat from the Central Statistics Agency (BPS), Indonesia's economic
Statistik (BPS), pertumbuhan ekonomi Indonesia pada triwulan growth in the second quarter was recorded at 5.05% compared
II tercatat sebesar 5,05% dibandingkan periode yang sama to the same period in the previous year. This figure was driven
pada tahun sebelumnya. Angka ini didorong oleh konsumsi by continued strong domestic consumption, although exports
domestik yang terus kuat, meskipun ekspor mengalami sedikit experienced a slight decline due to weakening global demand.
penurunan akibat melemahnya permintaan global. Faktor lain Other factors supporting economic growth were prudent fiscal
yang mendukung pertumbuhan ekonomi adalah kebijakan policy and manageable inflation, with Bank Indonesia (BI)
fiskal yang hati-hati serta pengelolaan inflasi yang terkendali, keeping its benchmark interest rate at 6.00%. This was aimed
dengan Bank Indonesia (BI) tetap mempertahankan suku at maintaining price stability and ensuring inflation remained
bunga acuan pada level 6,00%. Ini bertujuan untuk menjaga within the set target range of 2.5±1%.
stabilitas harga dan memastikan inflasi tetap berada dalam
target sasaran yang ditetapkan, yaitu 2,5±1%.
Inflasi yang terkendali juga berkontribusi pada kestabilan Controlled inflation also contributed to the stability of Indonesia's
sektor perbankan Indonesia sepanjang tahun 2024. Otoritas banking sector throughout 2024. The Financial Services
Jasa Keuangan (OJK) mencatat bahwa Dana Pihak Ketiga Authority (OJK) noted that the banking sector's Third Party
(DPK) sektor perbankan meningkat, yang menunjukkan adanya Funds (DPK) increased, indicating public confidence in the
kepercayaan masyarakat terhadap industri perbankan. Di sisi banking industry. On the other hand, lending is also increasingly
lain, penyaluran kredit juga semakin ekspansif, dengan fokus expansive, with a focus on sectors that can encourage
pada sektor-sektor yang dapat mendorong lapangan kerja employment and strengthen the domestic economy, such as
dan penguatan ekonomi domestik, seperti sektor perdagangan the wholesale trade sector and manufacturing industry. The
besar dan industri pengolahan. Keberhasilan sektor perbankan success of the banking sector in maintaining liquidity stability
dalam menjaga stabilitas likuiditas dan meningkatkan penyaluran and increasing lending is an important indicator of the resilience
kredit menjadi indikator penting dari ketahanan sistem of the Indonesian banking system in the face of global
perbankan Indonesia dalam menghadapi ketidakpastian uncertainty.
global.
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Secara keseluruhan, sektor perbankan Indonesia pada tahun Overall, Indonesia's banking sector in 2024 shows good
2024 menunjukkan ketahanan yang baik dan tetap solid resilience and remains solid despite external pressures from
meskipun ada tekanan eksternal dari gejolak ekonomi global. global economic turmoil. Projections for 2025 are also optimistic,
Proyeksi untuk tahun 2025 juga optimis, dengan pertumbuhan with economic growth expected to hover around 5.2%. This
ekonomi diperkirakan berada di sekitar angka 5,2%. Ini shows that the monetary policy taken by Bank Indonesia,
menunjukkan bahwa kebijakan moneter yang diambil oleh together with effective fiscal management and the active role
Bank Indonesia, bersama dengan pengelolaan fiskal yang of the banking sector in supporting economic growth, has
efektif dan peran aktif sektor perbankan dalam mendukung strengthened the foundation of the Indonesian economy
pertumbuhan ekonomi, telah memperkuat fondasi perekonomian towards a more stable and sustainable future.
Indonesia untuk menuju masa depan yang lebih stabil dan
berkelanjutan.
Operasi Bisnis Berkelanjutan
Sustainable Business Operation
Bank Maspion berkomitmen untuk menjadi institusi keuangan Bank Maspion is committed to becoming a regional leading
terdepan di tingkat regional dalam penerapan Keuangan financial institution in the implementation of Sustainable
Berkelanjutan, sebagaimana tercantum dalam Rencana Aksi Finance, as stated in the Sustainable Finance Action Plan.
Keuangan Berkelanjutan. Komitmen ini diwujudkan melalui This commitment is realized through internal capacity building,
pengembangan kapasitas internal, termasuk pendidikan dan including intensive education and training for employees.
pelatihan yang intensif bagi karyawan. Program-program ini These programs are designed to strengthen understanding
dirancang untuk memperkuat pemahaman terhadap Keuangan of Sustainable Finance, technical aspects, and strategies
Berkelanjutan, aspek teknis, dan strategi yang relevan dengan relevant to the bank's needs. This internal capacity building
kebutuhan bank. Peningkatan kapasitas internal ini diharapkan is expected to drive the expansion of the bank's green financing
mendorong ekspansi portofolio pembiayaan ramah lingkungan portfolio and improve risk management by considering social
serta memperbaiki pengelolaan risiko dengan and environmental dimensions.
mempertimbangkan dimensi sosial dan lingkungan.
Prinsip keberlanjutan diintegrasikan ke dalam seluruh lini Sustainability principles are integrated into all lines of the
operasional Bank melalui pelaksanaan program yang mendukung Bank's operations through the implementation of programs
Keuangan Berkelanjutan. Program-program ini mencakup that support Sustainable Finance. These programs include
peningkatan kompetensi sumber daya manusia serta berbagai human resource competency enhancement as well as various
inisiatif yang dirancang oleh masing-masing Satuan Kerja dan initiatives designed by each Work Unit, in collaboration with
Unit Kerja, bekerja sama dengan Direksi. Rencana kerja tersebut the Board of Directors. The work plans are regularly monitored
diawasi dan dievaluasi secara berkala untuk memastikan and evaluated to ensure successful implementation. This
keberhasilan implementasinya. Pendekatan holistik ini holistic approach reflects Bank Maspion's collective commitment
mencerminkan komitmen kolektif Bank Maspion untuk to implementing sustainability principles in all aspects of its
menerapkan prinsip keberlanjutan di seluruh aspek operasional. operations.
Pada tahun 2024, Bank Maspion melanjutkan langkah-langkah In 2024, Bank Maspion continues the strategic steps to achieve
strategis untuk mencapai tujuan keberlanjutannya dengan its sustainability goals with the Sustainable Finance Action
program kerja Rencana Aksi Keuangan Berkelanjutan melalui Plan work program through priority activities, namely:
prioritas kegiatan, yaitu:
1. Pengembangan Kapasitas Internal. 1. Internal Capacity Building.
2. Penyesuaian organisasi, manajemen risiko, tata kelola, 2. Modification of organisational structure, risk
dan/atau standar prosedur operasional (standard management, governance, and/or standard operating
operating procedure) yang sesuai dengan prinsip procedures to conform to the principles underlying
penerapan Keuangan Berkelanjutan. the implementation of Sustainable Finance.
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Menuju Perekonomian yang Berkelanjutan
Heading toward Sustainable Economy
3. Pengembangan Produk dan/atau Jasa Keuangan 3. Development of Sustainable Financial Products and/
Berkelanjutan termasuk peningkatan portofolio or Services, which may include expanding the portfolio
pembiayaan, investasi atau penempatan pada instrumen of funding, investments, or placements in financial
keuangan atau proyek yang sejalan dengan penerapan instruments or projects that adhere to the principles
Keuangan Berkelanjutan yang mana akan dilaksanakan of Sustainable Finance which will be implemented as
sebagai bagian dari rencana jangka panjang 2025. part of the 2025 long-term plan.
Produk dan Layanan
Products and Services
Bank berupaya untuk mengintegrasikan prinsip-prinsip The Bank strives to integrate sustainability principles into
keberlanjutan ke dalam setiap aspek operasionalnya sebagai every aspect of its operations as a form of dedication to
wujud dedikasi untuk memberikan layanan berkualitas tinggi providing high quality services that meet and exceed customer
yang mampu memenuhi dan melampaui kebutuhan pelanggan. needs. This commitment is realized through a strategic focus
Komitmen ini diwujudkan melalui fokus strategis pada peningkatan on improving service quality, developing productivity, and
kualitas pelayanan, pengembangan produktivitas, serta optimalisasi optimizing cost efficiency that supports long-term business
efisiensi biaya yang mendukung keberlanjutan bisnis jangka sustainability. In addition, the Bank always maintains a good
panjang. Selain itu, Bank senantiasa menjaga reputasi yang baik reputation by upholding transparency, integrity, and innovation
dengan menjunjung tinggi transparansi, integritas, dan inovasi as the main foundation in building trust and added value for
sebagai landasan utama dalam membangun kepercayaan dan all stakeholders.
nilai tambah bagi seluruh pemangku kepentingan.
Membangun Partnership untuk Kinerja Developing Partnership for
Keberlanjutan Sustainability Performance
Bank Maspion berkomitmen untuk mengembangkan produk Bank Maspion is committed to developing products and
dan layanan yang mendukung prinsip keberlanjutan dengan services that support sustainability principles by utilizing
memanfaatkan teknologi inovatif, meningkatkan kompetensi innovative technology, improving human resource competencies,
sumber daya manusia, dan menerapkan praktik tata kelola yang and implementing good governance practices. These efforts
baik. Upaya ini tidak hanya memperkuat posisi Bank sebagai not only strengthen the Bank’s position as an adaptive and
institusi keuangan yang adaptif dan bertanggung jawab, tetapi responsible financial institution, but also as a development
juga sebagai agen pembangunan yang berkontribusi aktif dalam agent that actively contributes to the creation of a sustainable
mendorong terciptanya ekosistem perbankan berkelanjutan di banking ecosystem in Indonesia. With these strategic steps,
Indonesia. Dengan langkah-langkah strategis ini, Bank Maspion Bank Maspion strives to continue to provide added value to
berupaya untuk terus memberikan nilai tambah bagi masyarakat society and support inclusive economic growth.
dan mendukung pertumbuhan ekonomi yang inklusif.
Ke depan, Bank Maspion akan memperluas kolaborasi dengan Going forward, Bank Maspion will expand collaboration with
berbagai pihak untuk memperkuat dampaknya dalam various parties to strengthen its impact in supporting the
mendukung pertumbuhan sektor usaha kecil dan menengah growth of the small and medium enterprise (MSME) sector
(UMKM) melalui program penciptaan sejuta UMKM. Selain itu, through the million MSME creation program. In addition, the
Bank juga berkomitmen untuk memenuhi Rasio Pembiayaan Bank is also committed to meeting the Macroprudential
Inklusif Makroprudensial (RPIM) sesuai dengan RBB, sebagai Inclusive Financing Ratio (RPIM) in accordance with the RBB,
bagian dari kontribusi nyata dalam mendorong inklusi keuangan as part of its tangible contribution in promoting financial
di Indonesia. Inisiatif ini mencerminkan komitmen Bank Maspion inclusion in Indonesia. These initiatives reflect Bank Maspion’s
dalam menerapkan keuangan berkelanjutan, sekaligus commitment to implementing sustainable finance, as well as
memperkuat perannya sebagai mitra strategis dalam mendorong strengthening its role as a strategic partner in promoting
pertumbuhan ekonomi yang berkelanjutan dan inklusif. sustainable and inclusive economic growth.
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Pendekatan Manajemen Management Approach
Bank Maspion berupaya untuk terus menyediakan produk Bank Maspion strives to provide high quality products and
dan layanan berkualitas tinggi yang memberikan nilai tambah services that add value to individual, corporate and community
bagi nasabah individu, perusahaan, maupun komunitas. customers. This commitment is realized through continuous
Komitmen ini diwujudkan melalui inovasi berkelanjutan, dengan innovation, utilizing digital technology to create banking
memanfaatkan teknologi digital untuk menciptakan layanan services that are fast, convenient and efficient. In line with
perbankan yang cepat, nyaman, dan efisien. Sejalan dengan the development of modern banking trends, Bank Maspion
perkembangan tren perbankan modern, Bank Maspion presents financial solutions designed to meet customer needs
menghadirkan solusi keuangan yang dirancang untuk memenuhi in an ever-changing environment.
kebutuhan nasabah dalam lingkungan yang terus berubah.
Sebagai bentuk dukungan terhadap inisiatif pemerintah dalam As a form of support for government initiatives in digitizing
digitalisasi sektor perbankan, pemberdayaan UMKM, dan the banking sector, empowering MSMEs, and increasing
peningkatan inklusi keuangan, Bank Maspion aktif financial inclusion, Bank Maspion actively develops digital-
mengembangkan layanan perbankan berbasis digital. Salah based banking services. One of its flagship innovations is
satu inovasi unggulannya adalah Maspion Electronic Banking Maspion Electronic Banking (MEB), a digital transaction
(MEB), sebuah platform transaksi digital yang dapat diakses platform that can be accessed 24/7 through Internet Banking
24/7 melalui Internet Banking dan Mobile Banking. Fitur ini and Mobile Banking. This feature is designed to provide easy
dirancang untuk memberikan kemudahan akses kepada access to customers, in accordance with the changing behavior
nasabah, sesuai dengan perubahan perilaku masyarakat yang of people who are increasingly dependent on digital technology.
semakin bergantung pada teknologi digital.
Di samping itu, Bank Maspion juga menyediakan layanan kas In addition, Bank Maspion also provides cash services that
yang menjangkau berbagai lokasi strategis, seperti pusat reach various strategic locations, such as trade centers,
perdagangan, sekolah, rumah sakit, dan area lainnya. Fasilitas schools, hospitals, and other areas. Mobile cash facilities
Kas Mobil yang dilengkapi dengan customer service, counter equipped with customer service, teller counters, and ATMs
teller, dan ATM memungkinkan berbagai jenis transaksi, enable various types of transactions, including account
termasuk pembukaan rekening, setoran dan penarikan tunai, opening, cash deposits and withdrawals, money transfers,
pengiriman uang, serta pembayaran tagihan. Kehadiran layanan and bill payments. The presence of these services reflects
ini mencerminkan dedikasi Bank untuk mendekatkan diri the Bank’s dedication to getting closer to customers and
kepada nasabah dan memenuhi kebutuhan mereka dengan meeting their needs with flexible and efficient solutions.
solusi yang fleksibel dan efisien.
Semua inisiatif tersebut diterapkan secara terintegrasi dan All these initiatives are implemented in an integrated and
konsisten, dengan fokus pada keberlanjutan. Bank Maspion consistent manner, with a focus on sustainability. Bank Maspion
terus beradaptasi terhadap dinamika eksternal melalui continues to adapt to external dynamics through automation
otomatisasi dan pemanfaatan teknologi untuk meningkatkan and utilization of technology to improve productivity and
produktivitas dan efisiensi. Dengan menerapkan prinsip-prinsip efficiency. By applying the principles of sustainable finance,
keuangan berkelanjutan, Bank tidak hanya mampu bertahan the Bank has not only been able to withstand global challenges
di tengah tantangan global tetapi juga mencatatkan peningkatan but has also recorded a significant improvement in economic
kinerja ekonomi yang signifikan. Hal ini membuktikan bahwa performance. This proves that the Bank’s commitment to
komitmen Bank terhadap inovasi dan keberlanjutan merupakan innovation and sustainability is a solid foundation for long-
landasan yang kokoh untuk pertumbuhan jangka panjang. term growth.
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Menuju Perekonomian yang Berkelanjutan
Heading toward Sustainable Economy
Perbandingan Target dan Kinerja Produksi, Portofolio,
Target Pembiayaan, atau Investasi, Pendapatan dan Laba Rugi
Comparison of Production Target and Performance, Portfolio,
Financing Target, or Investment, Income and Profit and Loss [OJK F2]
Dalam jutaan Rp | In million Rp
Uraian RBB 2024 Realisasi 2024 Pencapaian
Description 2024 Bank Business Plan 2024 Realisation Achievement
Kredit yang Diberikan 17.000.804 16.438.254 96,69%
Loan
Total Aset 22.721.138 22.310.125 98,19%
Total Assets
Dana Pihak Ketiga 13.938.743 13.250.062 95,06%
Third Fund Party
Laba Bersih (134.052) (247.136) 184,36%
Net Income
Perbandingan Target dan Kinerja Portofolio, Target Pembiayaan, atau Investasi pada Instrumen
Keuangan atau Proyek yang Sejalan dengan Penerapan Keuangan Berkelanjutan
Comparison of Portfolio Targets and Performances, Financing Targets, or Investments in Financial
Instruments or Projects in Accordance with the Implementation of Sustainable Finance [OJK F3]
2024 2023
Keterangan RBB 2024 RBB 2023
Description Realisasi 2024 Realisasi 2023
2024 Bank 2023 Bank
2024 Realisation 2023 Realisation
Business Plan Business Plan
Rasio Pembiayaan Inklusif 5.843.539.000.000 5.860.786.789.150 2.389.346.000.000 2.610.427.091.496
Makrop rudensial (RPIM)
Macro prudential Inclusive
Financing Ratio (RPIM)
Nilai Ekonomi yang Dihasilkan
& Didistribusikan [GRI 201-1, 207-1, 207-4]
Economic Value Generated & Distributed [GRI 201-1, 207-1, 207-4]
Bank Maspion telah menciptakan nilai ekonomi langsung yang Bank Maspion has created direct economic value generated
dihasilkan dan nilai ekonomi yang didistribusikan sepanjang and economic value distributed throughout 2024, as shown
tahun 2024 sebagaimana ditampilkan pada tabel berikut: in the following table:
TABEL DISTRIBUSI NILAI EKONOMI TABLE OF ECONOMIC VALUE
DISTRIBUTION
Dalam jutaan Rp | In million Rp
Tahun yang berakhir pada tanggal 31 Desember
Year Ended on 31 Desember
Uraian Description
2024 2023
(dalam ribuan Rupiah | (dalam ribuan Rupiah |
In thousand Rupiah) In thousand Rupiah)
Nilai Ekonomi Langsung Generated Direct Economic
yang Dihasilkan Value
Pendapatan Bunga Neto 712.464.334 531.755.790 Net Interest Income
Jumlah Pendapatan 58.856.857 51.249.183 Total Other Operating Income
Operasional Lainnya
Pendapatan Non-Operasional 5.858.448 (316.239) Net Non-Operating Income
Bersih
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Dalam jutaan Rp | In million Rp
Tahun yang berakhir pada tanggal 31 Desember
Year Ended on 31 Desember
Uraian Description
2024 2023
(dalam ribuan Rupiah | (dalam ribuan Rupiah |
In thousand Rupiah) In thousand Rupiah)
Jumlah Nilai Ekonomi yang 777.179.639 582.688.734 Total Economic Value
Dihasilkan Generated
Nilai Ekonomi yang Distributed Economic Value
Didistribusikan
Beban Operasional Lainnya (1.088.466.470) (498.864.848) Other Operating Expenses
Pajak yang dibayarkan (189.060.055) (160.422.467) Taxes paid
Pembayaran Dividen - - Dividend Payment
Jumlah Nilai Ekonomi yang 1.277.526.525 659.287.315 Total of Distributed Economic
Didistribusikan Value
Nilai Ekonomi yang Dihasilkan Economic Value Generated
Pada tahun 2024, Bank berhasil menghasilkan nilai ekonomi In 2024, the Bank managed to generate an economic value
sebesar Rp777.179.639 ribu, mengalami kenaikan sebesar of Rp777,179,639 thousand, an increase of 33.38% or
33,38% atau senilai Rp194.490.905 ribu dibandingkan capaian Rp194,490,905 thousand compared to the previous year's
tahun sebelumnya, yaitu Rp582.688.734 ribu. Perubahan ini achievement of Rp582,688,734 thousand. This change was
terutama dipengaruhi oleh peningkatan pendapatan bunga mainly influenced by an increase in net interest income,
bersih, pendapatan operasional, dan pendapatan non operating income, and non-operating income, which were
operasional yang menjadi faktor utama dalam mendukung the main factors in supporting the growth of the Bank's
pertumbuhan kinerja ekonomi Bank selama tahun berjalan. economic performance during the year.
Nilai Ekonomi yang Didistribusikan Distributed Economic Value
Nilai ekonomi yang didistribusikan Bank kepada para pemangku The economic value distributed by the Bank to stakeholders
kepentingan pada tahun 2024 tercatat sebesar Rp1.277.526.525 in 2024 was recorded at Rp1,277,526,525 thousand, an
ribu, mengalami kenaikan sebesar 93,77% atau setara dengan increase of 93.77% or equivalent to Rp618,239,210 thousand
Rp618.239.210 ribu dibandingkan tahun 2023 yang mencapai compared to 2023 which reached Rp659,287,315 thousand.
Rp659.287.315 ribu. Perubahan ini dipengaruhi oleh peningkatan This change was influenced by the increase in the resulting
nilai ekonomi yang dihasilkan, mencerminkan komitmen Bank economic value, reflecting the Bank's commitment to supporting
untuk mendukung keseimbangan antara pertumbuhan ekonomi a balance between internal economic growth and contributions
internal dan kontribusi kepada pemangku kepentingan. to stakeholders.
Kontribusi terhadap Negara [GRI 201-1] [GRI 207-2, 207-3]
Contribution to the State [GRI 201-1] [GRI 207-2, 207-3]
Bank Maspion berkomitmen untuk mendukung pembangunan Bank Maspion is committed to supporting the country's
negara melalui kontribusi yang signifikan dalam pembayaran development through significant contributions in tax payments.
pajak. Pembayaran pajak merupakan salah satu bentuk tanggung Tax payment is one of the Bank's responsibilities as an
jawab Bank sebagai institusi yang beroperasi secara berkelanjutan institution that operates sustainably and in accordance with
dan sesuai dengan peraturan perundang-undangan. Dengan laws and regulations. By complying with tax obligations, the
mematuhi kewajiban perpajakan, Bank tidak hanya memastikan Bank not only ensures compliance with regulations, but also
kepatuhan terhadap regulasi, tetapi juga berperan aktif dalam plays an active role in supporting national economic
mendukung pembangunan ekonomi nasional. development.
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Menuju Perekonomian yang Berkelanjutan
Heading toward Sustainable Economy
Pada tahun 2024, total pembayaran pajak Bank Maspion In 2024, Bank Maspion's total tax payments reached
mencapai Rp189.060.055 ribu*, meningkat sebesar Rp28.637.588 Rp189,060,055 thousand*, an increase/decrease of
ribu* dibandingkan tahun 2023 yang tercatat sebesar Rp28,637,588 thousand* compared to 2023 which was
Rp160.422.467 ribu*. Selama periode pelaporan, Bank berhasil recorded at Rp160,422,467 thousand*. During the reporting
melaksanakan kewajiban perpajakannya dengan tepat waktu period, the Bank managed to carry out its tax obligations in
tanpa adanya ketidakpatuhan. Hal ini mencerminkan komitmen a timely manner without any non-compliance. This reflects
Bank untuk berkontribusi secara konsisten dalam mendukung the Bank's commitment to contribute consistently in supporting
program pembangunan nasional melalui penerimaan pajak. national development programs through tax revenue.
*: Termasuk PPh Badan, PPh potong dan pungut, dan PPN *: Including corporate income tax, withholding and collection
income tax, and VAT
Praktik Pengadaan Barang dan Jasa [GRI 203-2, 205-1]
Goods and Services Procurement Practices [GRI 203-2, 205-1]
Bank memandang pengadaan barang dan jasa sebagai elemen The Bank views the procurement of goods and services as
strategis untuk mendukung operasional perusahaan secara efisien a strategic element to support the company's operations in
dan berkelanjutan. Dalam pelaksanaannya, Bank menegakkan an efficient and sustainable manner. In its implementation,
prinsip-prinsip transparansi, akuntabilitas, efisiensi, dan kewajaran, the Bank upholds the principles of transparency, accountability,
memastikan bahwa setiap proses pengadaan berjalan sesuai efficiency, and fairness, ensuring that every procurement
dengan tata kelola yang baik. Langkah ini tidak hanya mendukung process runs in accordance with good governance. This step
operasional perusahaan, tetapi juga mencegah potensi not only supports the company's operations, but also prevents
penyimpangan seperti korupsi dan gratifikasi, serta menciptakan potential irregularities such as corruption and gratification,
persaingan usaha yang sehat di antara para mitra kerja. and creates healthy business competition among partners.
Untuk mendukung tata kelola yang berkualitas, Bank telah To support quality governance, the Bank has implemented
menerapkan prosedur pengadaan barang dan jasa yang structured procurement procedures. The vendor selection
terstruktur. Proses seleksi dan evaluasi vendor dilakukan and evaluation process is conducted carefully to ensure that
secara cermat untuk memastikan hanya mitra dengan kualitas only partners with the best service quality are selected. In
layanan terbaik yang dipilih. Dalam setiap keputusan, Bank every decision, the Bank conducts a price assessment by
melakukan penilaian harga dengan membandingkan penawaran comparing offers from at least three vendors, ensuring cost
dari setidaknya tiga vendor, memastikan efisiensi biaya efficiency while providing optimal value for the company. This
sekaligus memberikan nilai optimal bagi perusahaan. approach reflects the Bank's dedication to integrity and
Pendekatan ini mencerminkan dedikasi Bank terhadap integritas professionalism in all aspects of its operations.
dan profesionalisme dalam seluruh aspek operasionalnya.
Sebagai bagian dari komitmen terhadap keberlanjutan, Bank As part of its commitment to sustainability, the Bank actively
secara aktif mengintegrasikan praktik ramah lingkungan dalam integrates environmentally friendly practices in the procurement
proses pengadaan. Salah satu inisiatif unggulan adalah process. One of the flagship initiatives is the implementation
penerapan teknologi hijau, seperti penggunaan kendaraan of green technology, such as the use of hybrid or fully electric
bermotor berbasis hybrid atau listrik penuh, untuk mendukung motor vehicles, to support more environmentally friendly
operasional yang lebih ramah lingkungan. Upaya ini merupakan operations. This effort is a tangible manifestation of the Bank's
wujud nyata kontribusi Bank dalam mendukung transisi menuju contribution in supporting the transition to a green economy,
ekonomi hijau, sekaligus memperkuat perannya sebagai while strengthening its role as an institution that is responsible
institusi yang bertanggung jawab terhadap lingkungan dan to the environment and society. [GRI 203-2].
masyarakat. [GRI 203-2].
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Perlindungan Data & Kepuasan Nasabah [GRI 418-1]
Data Protection & Customer Satisfaction [GRI 418-1]
Untuk menciptakan keseimbangan yang harmonis antara To create a harmonious balance between the Bank’s business
pertumbuhan bisnis Bank dan pemenuhan hak serta kewajiban growth and the fulfillment of consumer rights and obligations,
Konsumen, upaya strategis dilakukan untuk memperkuat strategic efforts are made to strengthen consumer confidence
kepercayaan Konsumen terhadap Bank. Dalam hal ini, Direksi in the Bank. In this regard, the Board of Directors has established
telah menetapkan kebijakan terkait Perlindungan Konsumen policies related to Consumer Protection based on:
dengan berpedoman pada:
• Peraturan Otoritas Jasa Keuangan Nomor 6/POJK.07/2022 • Financial Services Authority Regulation Number 6/
tentang Perlindungan Konsumen dan Masyarakat di Sektor POJK.07/2022 concerning Consumer and Public Protection
Jasa Keuangan; in the Financial Services Sector;
• Surat Edaran Otoritas Jasa Keuangan Nomor 12/ • Financial Services Authority Circular Number 12/
SEOJK.07/2014 tentang Penyampaian Informasi Dalam SEOJK.07/2014 concerning Submission of Information in
Rangka Pemasaran Produk dan/atau Layanan Jasa Keuangan; the Context of Marketing Financial Products and/or Services;
• Peraturan Bank Indonesia No. 3 Tahun 2023 tentang • Bank Indonesia Regulation no. 3 of 2023 concerning Bank
Pelindungan Konsumen Bank Indonesia; dan Indonesia Consumer Protection; And
• Peraturan Aggota Dewan Gubernur No. 23/17/PDAG/2021 • Governor’s Board Member Regulation No. 23/17/PDAG/2021
tentang Tata Cara Pelaksanaan Perlindungan Konsumen concerning Procedures for Implementing Bank Indonesia
Bank Indonesia. Consumer Protection.
Prinsip perlindungan data pribadi mencakup berbagai aspek Personal data protection principles cover various important
penting untuk memastikan keamanan dan privasi nasabah. aspects to ensure customer security and privacy. The collection
Pengumpulan data pribadi dilakukan secara terbatas, spesifik, of personal data is limited, specific, lawful and transparent.
sah secara hukum, dan transparan. Proses pengelolaan data The process of managing personal data is directed for clear
pribadi diarahkan untuk tujuan yang jelas, dilakukan secara purposes, carried out responsibly, and can be proven in
bertanggung jawab, dan dapat dibuktikan sesuai dengan accordance with the principles of compliance. In addition,
prinsip kepatuhan. Selain itu, perlindungan nasabah diwujudkan customer protection is realized through the application of the
melalui penerapan prinsip-prinsip kerahasiaan, keamanan principles of confidentiality, data/information security, and
data/informasi, serta penyediaan mekanisme penyelesaian the provision of an easy, fast, and effective customer complaint
keluhan nasabah yang mudah, cepat, dan efektif. resolution mechanism.
Sebagai lembaga intermediasi keuangan, Bank memiliki peran As a financial intermediary institution, the Bank has a central
sentral dalam menjadi tempat masyarakat menyimpan dana role in being a place where people deposit their funds with
mereka dengan keyakinan bahwa uang tersebut dapat diakses the confidence that the money can be accessed again as
kembali sesuai kebutuhan, disertai manfaat seperti imbal hasil needed, accompanied by benefits such as returns or interest.
atau bunga. Kepercayaan masyarakat adalah fondasi utama Public trust is the main foundation of the Bank’s business
keberlanjutan usaha Bank. Semakin tinggi tingkat kepercayaan sustainability. The higher the level of trust, the greater the
ini, semakin besar pula kemauan masyarakat untuk memanfaatkan willingness of the public to utilize banking products and
produk dan layanan perbankan. Tanpa kepercayaan tersebut, services. Without this trust, the Bank will not be able to survive
Bank tidak akan mampu bertahan dalam industri yang sangat in this highly competitive industry. Therefore, the implementation
kompetitif ini. Oleh karena itu, penerapan perlindungan konsumen of consumer protection is one of the Bank’s top priorities in
menjadi salah satu prioritas utama Bank dalam menjaga maintaining its credibility and business sustainability.
kredibilitas dan keberlanjutan usahanya.
Seiring dengan perkembangan industri jasa keuangan yang Along with the development of an increasingly complex and
semakin kompleks dan dinamis, aspek perlindungan konsumen dynamic financial services industry, aspects of consumer
kini mencakup lebih banyak dimensi. Hal ini meliputi penambahan protection now cover more dimensions. This includes the
prinsip perlindungan konsumen, ekspansi cakupan pelaku addition of consumer protection principles, the expansion of
usaha jasa keuangan, serta digitalisasi produk dan layanan the scope of financial services business actors, and the
keuangan. Digitalisasi ini membawa manfaat signifikan bagi digitization of financial products and services. This digitization
konsumen, namun juga memperkenalkan tantangan baru, brings significant benefits to consumers, but also introduces
seperti perlindungan terhadap risiko keamanan siber dan new challenges, such as protection against cybersecurity
transparansi layanan. Oleh karena itu, Bank terus beradaptasi risks and transparency of services. Therefore, the Bank
dengan perubahan ini melalui penguatan regulasi dan continues to adapt to these changes through strengthening
pengawasan yang relevan. relevant regulations and supervision.
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Menuju Perekonomian yang Berkelanjutan
Heading toward Sustainable Economy
Penguatan perlindungan konsumen tidak hanya menjadi tanggung Strengthening consumer protection is not only a regulatory
jawab regulasi, tetapi juga bagian dari komitmen Bank untuk responsibility, but also part of the Bank’s commitment to
menciptakan ekosistem keuangan yang aman, inklusif, dan creating a safe, inclusive and sustainable financial ecosystem.
berkelanjutan. Dengan mengintegrasikan kebijakan perlindungan By integrating a comprehensive consumer protection policy
konsumen yang komprehensif ke dalam strategi operasionalnya, into its operational strategy, the Bank seeks to ensure that
Bank berupaya memastikan kepercayaan masyarakat tetap public trust is maintained, while supporting economic growth
terjaga, sekaligus mendukung pertumbuhan ekonomi melalui through service innovations that are responsive to customer
inovasi layanan yang responsif terhadap kebutuhan nasabah. needs.
Prinsip Perlindungan Konsumen Consumer Protection Principles
Perlindungan Konsumen Bank menerapkan prinsip: Bank Consumer Protection applies the principles:
1. Kesetaraan dan perlakuan yang adil 1. Equality and fair treatment
Yaitu perlakuan Bank secara adil dan tidak diskriminatif Namely the Bank’s treatment in a fair and non-
kepada konsumen, termasuk layanan kepada konsumen discriminatory manner towards consumers, including
penyandang kebutuhan khusus. services to consumers with special needs.
2. Keterbukaan dan transparansi 2. Openness and transparency
Yaitu pemberian informasi mengenai produk dan/atau Namely providing information regarding Bank products
layanan Bank kepada Konsumen secara jelas, lengkap, and/or services to consumers in a clear, complete
dengan bahasa yang mudah dimengerti. manner, in language that is easy to understand.
3. Edukasi dan literasi 3. Education and literacy
Yaitu rangkaian proses atau kegiatan yang dilakukan Namely a series of processes or activities carried out
untuk meningkatkan pengetahuan dan pemahaman to increase consumer and/or public knowledge and
Konsumen dan/atau masyarakat terhadap produk dan/ understanding of Bank products and/or services.
atau jasa Bank.
4. Perilaku bisnis yang bertanggung jawab 4. Responsible business conduct
Yaitu perilaku Bank yang memperhatikan kepentingan Namely, the Bank’s conduct focuses on prioritising
Konsumen dalam menjalankan bisnisnya dengan cara consumer interests in its operations by considering
memperhitungkan kebutuhan dan kemampuan the requirements and capacities of customers prior
Konsumen sebelum menawarkan produk dan/atau to providing them with products and/or services.
jasa kepada Konsumen tersebut.
5. Keandalan 5. Reliability
Yaitu segala sesuatu yang dapat memberikan layanan Namely everything that can provide accurate services
yang akurat melalui sistem, prosedur, infrastruktur, through reliable systems, procedures, infrastructure
dan sumber daya manusia yang andal. and human resources.
6. Kerahasiaan dan keamanan data/informasi Konsumen 6. Confidentiality and security of consumer data/
information
Yaitu memberikan perlindungan, menjaga kerahasiaan Namely providing protection, maintaining the
dan keamanan data dan/atau informasi Konsumen, confidentiality and security of Consumer data and/or
serta hanya menggunakannya untuk kepentingan dan information, and only using it for the interests and
tujuan yang disetujui oleh konsumen, kecuali ditentukan purposes approved by the Consumer, unless otherwise
lain oleh peraturan perundang-undangan yang berlaku. determined by applicable laws and regulations.
7. Penanganan dan penyelesaian pengaduan Konsumen 7. Handling and resolving consumer complaints is
dilakukan secara efektif carried out effectively
Yaitu Bank memiliki dan melaksanakan mekanisme Namely, the Bank has and implements a mechanism
penanganan dan penyelesaian pengaduan Konsumen for handling and resolving consumer complaints in a
secara responsif, tepat guna dan sesuai dengan batas responsive, effective manner and in accordance with
waktu yang ditentukan. the specified time limits.
8. Kepatuhan 8. Compliance
Yaitu prinsip yang menitikberatkan pada tindakan Bank Namely, the Bank’s actions to ensure compliance with
untuk memastikan kepatuhan terhadap ketentuan Consumer Protection provisions based on statutory
Perlindungan Konsumen berdasarkan ketentuan provisions.
peraturan perundang-undangan.
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9. Perlindungan aset konsumen terhadap penyalahgunaan 9. Protection of consumer assets against misuse
Yaitu prinsip yang menitikberatkan pada tindakan This is a principle that focuses on actions to maintain
menjaga keamanan aset Konsumen terhadap the security of consumer assets against misuse,
penyalahgunaan antara lain kecurangan, pembocoran including fraud, information leakage and banking
informasi, dan tindak pidana perbankan (fraud). crime (fraud).
Pelindungan konsumen adalah segala upaya yang menjamin Consumer protection is any effort that guarantees legal
adanya kepastian hukum untuk memberikan pelindungan certainty to provide protection to consumers, so that in carrying
kepada konsumen, sehingga dalam menyelenggarakan out business activities Bank is obliged to apply consumer
kegiatan usaha Bank wajib menerapkan prinsip pelindungan protection principles to maintain public trust in the Bank,
konsumen untuk menjaga kepercayaan masyarakat kepada namely:
Bank, yaitu:
a. edukasi yang memadai; a. adequate education;
b. keterbukaan dan transparansi informasi produk dan/ b. openness and transparency of product and/or service
atau layanan; information;
c. perlakuan yang adil dan perilaku bisnis yang bertanggung c. fair treatment and responsible business conduct
jawab
d. pelindungan aset, privasi, dan data konsumen; d. protection of consumer assets, privacy and data;
e. penanganan pengaduan dan penyelesaian sengketa e. effective and efficient complaint handling and dispute
yang efektif dan efisien; resolution;
f. penegakan kepatuhan; dan f. compliance enforcement; and
g. persaingan yang sehat. g. healthy competition.
Pelindungan konsumen bertujuan: Consumer protection aims to:
a. meningkatkan kesadaran, kemampuan, dan kemandirian a. increase consumer awareness, ability and independence
konsumen untuk melindungi diri. to protect themselves.
b. mengangkat harkat dan martabat konsumen dengan b. raise the dignity of consumers by preventing them
cara menghindarkannya dari akses negatif pemakaian from negative access in the use of goods and/or
barang dan/atau jasa. services.
c. meningkatkan pemberdayaan konsumen dalam memilih, c. increase consumer empowerment in choosing,
menentukan, dan menuntut hak-haknya sebagai determining and demanding their rights as consumers.
konsumen.
d. menciptakan sistem perlindungan konsumen yang d. create a consumer protection system that contains
mengandung unsur kepastian hukum dan keterbukaan elements of legal certainty and information disclosure
informasi serta akses untuk mendapatkan informasi. as well as access to information.
e. menumbuhkan kesadaran pelaku usaha mengenai e. raise awareness of business actors regarding the
pentingnya perlindungan konsumen sehingga tumbuh importance of consumer protection so that an honest
sikap yang jujur dan bertanggung jawab dalam berusaha. and responsible attitude in business grows.
f. meningkatkan kualitas barang dan/atau jasa yang f. improve the quality of goods and/or services that
menjamin kelangsungan usaha produksi barang dan/ ensure the continuity of the business of producing
atau jasa, kesehatan, keamanan, dan keselamatan goods and/or services, health, security and safety of
konsumen. consumers.
Dalam penyelenggaraan Perlindungan Konsumen dan In implementing consumer and public protection, prospective
masyarakat, calon konsumen dan/atau konsumen memiliki consumers and/or consumers have the following rights and
hak dan kewajiban sebagai berikut: obligations:
1. Hak calon konsumen dan/atau konsumen 1. Rights of potential consumers and/or consumers
a. mendapatkan keamanan dalam menggunakan a. obtain security in using products and/or utilizing
produk dan/atau memanfaatkan layanan sesuai services in accordance with legislation and/or
perundang-undangan dan/atau perjanjian agreements
b. memilih produk dan/atau layanan b. select products and/or services
c. mendapatkan produk dan/atau layanan sesuai c. obtain products and/or services in accordance
dengan penawaran yang dijanjikan dan/atau sesuai with the promised offers and/or in accordance with
dengan ketentuan peraturan perundang-undangan statutory provisions
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Menuju Perekonomian yang Berkelanjutan
Heading toward Sustainable Economy
d. mendapatkan informasi mengenai produk dan/ d. acquire information about products and/or services
atau layanan yang jelas, akurat, benar, mudah that is clear, accurate, correct, easy to access, and
diakses, dan tidak berpotensi menyesatkan does not have the potential to be misleading
e. didengar pendapat dan pengaduannya atas produk e. opinions and complaints regarding the products
yang digunakan dan/atau layanan yang dimanfaatkan used and/or services utilized
f. mendapatkan advokasi, pelindungan, dan upaya f. obtain advocacy, protection and efforts to resolve
penyelesaian sengketa konsumen sesuai dengan consumer disputes in accordance with statutory
ketentuan peraturan perundang-undangan provisions
g. mendapat edukasi keuangan g. acquire financial education
h. diperlakukan atau dilayani secara benar h. treated or served properly
i. mendapatkan ganti rugi apabila produk dan/atau i. receive compensation if the product and/or service
layanan yang diterima tidak sesuai dengan perjanjian received does not comply with the agreement and/
dan/atau ketentuan peraturan perundang-undangan or provisions of laws and regulations
j. hak lain yang diatur dalam ketentuan peraturan j. other rights regulated in statutory provisions
perundang-undangan
2. Kewajiban calon konsumen dan/atau konsumen 2. Obligations of potential consumers and/or consumers
a. mendengarkan penjelasan informasi mengenai a. listen to information explanations regarding products
produk dan/atau layanan yang disampaikan dengan and/or services delivered using certain marketing
metode pemasaran tertentu oleh bank sebelum methods by the bank before purchasing the Bank’s
membeli produk dan/atau layanan Bank products and/or services
b. membaca, memahami, dan melaksanakan dengan b. read, understand and correctly implement
benar perjanjian dan/atau dokumen penggunaan agreements and/or documents for use of products
produk dan/atau layanan and/or services
c. beriktikad baik dalam penggunaan produk dan/ c. have good faith in the use of products and/or
atau layanan services
d. memberikan informasi dan/atau dokumen yang d. provide information and/or documents that are
jelas, akurat, benar, dan tidak menyesatkan clear, accurate, correct and not misleading
e. membayar sesuai dengan nilai/harga dan/atau e. pay according to the value/price and/or cost of
biaya produk dan/atau layanan yang disepakati the product and/or service agreed with the bank;
dengan bank; dan and
f. mengikuti upaya penyelesaian sengketa pelindungan f. follow efforts to resolve consumer protection
konsumen sesuai dengan ketentuan peraturan disputes in accordance with statutory provisions
perundang-undangan
Pengaturan terbaru terkait perlindungan konsumen yang The latest consumer protection regulation issued by the
diterbitkan oleh Otoritas Jasa Keuangan (OJK) semakin Financial Services Authority (OJK) further emphasizes the
menekankan pentingnya perlindungan data dan informasi importance of protecting consumer data and information.
konsumen. Hal ini seiring dengan meningkatnya kasus This is in line with the increasing cases of data leaks and the
kebocoran data serta tingginya kesadaran masyarakat mengenai high public awareness of the need to protect their personal
perlunya perlindungan terhadap data pribadi mereka dari data from potential unauthorized access. Data security is a
potensi akses yang tidak sah. Keamanan data menjadi prioritas top priority, given its vulnerability to digital threats that can
utama, mengingat kerentanannya terhadap ancaman digital harm consumers and undermine trust in financial institutions.
yang dapat merugikan konsumen dan merusak kepercayaan
terhadap lembaga keuangan.
Peraturan perlindungan data konsumen mencakup berbagai Consumer data protection regulations include various
kewajiban yang harus dipenuhi oleh Bank untuk menjaga obligations that must be fulfilled by the Bank to maintain the
kerahasiaan dan keamanan data pribadi nasabah. Selain itu, confidentiality and security of customers’ personal data. In
Bank juga diwajibkan untuk mematuhi ketentuan terkait addition, the Bank is also required to comply with provisions
pertukaran dan transfer data konsumen, khususnya yang related to the exchange and transfer of consumer data,
melibatkan wilayah di luar Indonesia. Pengaturan ini juga especially those involving territories outside Indonesia. This
mencakup larangan-larangan dalam penggunaan data konsumen regulation also includes prohibitions on the unauthorized use
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tanpa izin serta memastikan keamanan sistem informasi dan of consumer data as well as ensuring information system
ketahanan siber untuk melindungi data konsumen dari potensi security and cyber resilience to protect consumer data from
risiko yang dapat mengancam integritas dan kerahasiaannya. potential risks that could threaten its integrity and confidentiality.
Sebagai bagian dari upaya perlindungan konsumen, Bank As part of consumer protection efforts, the Bank is required
wajib menyediakan layanan pengaduan konsumen yang to provide consumer complaint services that include receiving,
mencakup penerimaan, penanganan, dan penyelesaian handling, and resolving complaints. In this policy, the Bank
pengaduan. Dalam kebijakan ini, Bank dilarang untuk is prohibited from charging fees for filing complaints by
mengenakan biaya atas pengajuan pengaduan oleh konsumen. consumers. This demonstrates the Bank’s commitment to
Hal ini menunjukkan komitmen Bank untuk menjaga hak-hak safeguard consumer rights, ensuring that any problems faced
konsumen, memastikan setiap masalah yang dihadapi nasabah by customers can be resolved quickly and effectively without
dapat diselesaikan dengan cepat dan efektif tanpa adanya any additional costs that may harm consumers. [GRI 418-1]
beban biaya tambahan yang dapat merugikan konsumen. [OJK F.24]
[GRI 418-1] [OJK F.24]
Bank terus berfokus pada kepuasan nasabah dengan The Bank continues to focus on customer satisfaction by
menyediakan berbagai produk perbankan yang inovatif dan providing innovative banking products that meet customer
memenuhi kebutuhan nasabah. Untuk memastikan kelancaran needs. To ensure smooth communication and problem
komunikasi dan penyelesaian masalah, Bank memfasilitasi resolution, the Bank facilitates customers to submit complaints
nasabah untuk menyampaikan pengaduan melalui layanan through customer service available at all Bank offices during
customer service yang tersedia di seluruh kantor Bank pada business hours, or through the Contact Center which can be
jam kerja, atau melalui Contact Center yang dapat diakses accessed every day from 07.00 to 22.00. Throughout 2024,
setiap hari dari pukul 07.00 hingga 22.00. Sepanjang tahun the Bank has successfully responded to 100% of complaints
2024, Bank telah berhasil menanggapi 100% pengaduan yang received, as evidence of its commitment to improving services
diterima, sebagai bukti komitmen dalam meningkatkan layanan and consumer protection.
dan perlindungan konsumen.
Berikut detail Laporan Pelayanan dan Penyelesaian Pengaduan Below are the details of the Bank’s Consumer Complaint
konsumen Bank: Service and Settlement Report:
Laporan Pelayanan dan Penyelesaian Pengaduan Konsumen Periode Januari – Desember 2024
Report on Service and Settlement of Consumer Complaints for the Period of January - December 2024
Status Penyelesaian
Jenis Produk Settlement Status
dan/atau
Jumlah
No. Layanan Selesai | Solved Tidak Selesai | Unsolved Dalam Proses | On Process
Total
Type of Product
and/or Services Jumlah Jumlah Jumlah
% % %
Total Total Total
1 ATM / CDM / EDC / 49 49 100 0 0 0 0
Debit
2 Electronic Banking 38 37 97,37 1 2,63 0 0
3 Produk Lainnya 5 5 100 0 0 0 0
Other Products
Jumlah 92 91 297,37 1 2,63 0 0
Total
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Menjaga Kelestarian Lingkungan
Preserving Environmental Sustainability
Bank berkomitmen untuk berkontribusi terhadap lingkungan dengan menerapkan
berbagai inisiatif ramah lingkungan. Melalui berbagai kebijakan dan tindakan yang
berkelanjutan, Bank mendukung upaya pelestarian alam dan mengurangi dampak
negatif terhadap lingkungan.
The Bank is committed to contributing to the environment by implementing various environmentally
friendly initiatives. Through various sustainable policies and actions, the Bank supports nature
conservation efforts and reduces negative impacts on the environment.
Komitmen Pelestarian Lingkungan
dalam Mendukung Net Zero Emission
Commitment to Environmental
Preservation to Support Net Zero Emission
Perubahan iklim dan peningkatan suhu global telah menjadi Climate change and rising global temperatures have become
tantangan besar yang dihadapi oleh dunia, mengancam a major challenge faced by the world, threatening the
keberlanjutan kehidupan manusia dan ekosistem secara sustainability of human life and ecosystems as a whole. The
keseluruhan. Meningkatnya bencana alam seperti banjir, badai, increase in natural disasters such as floods, storms and other
serta cuaca ekstrem lainnya tidak hanya mengganggu extreme weather events not only disrupts the well-being of
kesejahteraan masyarakat, tetapi juga mempengaruhi sektor people, but also affects industry sectors around the world,
industri di seluruh dunia, termasuk sektor perbankan. Ketidakpastian including the banking sector. The uncertainty brought about
yang ditimbulkan oleh perubahan iklim memengaruhi perekonomian by climate change affects the economy at large, and has a
secara umum, serta berdampak langsung pada pembiayaan direct impact on the financing done by banks, as severe
yang dilakukan oleh bank, karena kondisi cuaca yang buruk dan weather conditions and natural disasters can damage assets
bencana alam dapat merusak aset dan mengganggu ketahanan and compromise the financial resilience of customers. In this
finansial nasabah. Dalam konteks ini, bank perlu semakin context, banks need to increasingly factor climate change
memperhatikan aspek perubahan iklim dalam strategi bisnis dan into their business strategies and the risks they manage, as
risiko yang mereka kelola, karena efek negatif yang ditimbulkan the negative effects of climate change can destabilize the
dari perubahan iklim dapat memengaruhi kestabilan ekonomi economy and the banking sector itself.
dan sektor perbankan itu sendiri.
Sebagai respons terhadap tantangan ini, industri keuangan, In response to this challenge, the financial industry, particularly
khususnya perbankan, memiliki peran penting dalam mendorong banking, has an important role to play in driving the transition
transisi menuju perekonomian yang lebih berkelanjutan dan to a more sustainable and environmentally friendly economy.
ramah lingkungan. Bank dapat memanfaatkan kekuatan Banks can leverage their financial strength to support
finansialnya untuk mendukung inisiatif yang berorientasi pada sustainability-oriented initiatives by providing funding for
keberlanjutan dengan memberikan pendanaan untuk perusahaan- companies committed to environmental principles, such as
perusahaan yang berkomitmen terhadap prinsip-prinsip investments in renewable energy and green technology. In
lingkungan, seperti investasi dalam energi terbarukan dan addition, banks can also stop or limit financing to companies
teknologi ramah lingkungan. Selain itu, bank juga dapat that damage the environment, such as those engaged in the
menghentikan atau membatasi pembiayaan terhadap perusahaan- fossil energy sector with high carbon emissions. In this way,
perusahaan yang merusak lingkungan, seperti yang bergerak banks contribute directly to mitigating the impacts of climate
PT Bank Maspion Indonesia Tbk
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di sektor energi fosil yang tinggi emisi karbonnya. Dengan cara change and supporting the transition to a green economy.
ini, bank berkontribusi langsung dalam memitigasi dampak
perubahan iklim dan mendukung transisi menuju ekonomi hijau.
Bank Maspion, sebagai lembaga perbankan yang memiliki Bank Maspion, as a banking institution with a high awareness
kesadaran tinggi terhadap isu perubahan iklim, berkomitmen of climate change issues, is committed to supporting the
untuk mendukung program pemerintah dalam mencapai net government’s program to achieve net zero emission by 2060.
zero emission pada tahun 2060. Komitmen ini diwujudkan This commitment is realized with concrete steps that have
dengan langkah-langkah konkret yang telah diterapkan, seperti been implemented, such as integrating sustainability principles
mengintegrasikan prinsip keberlanjutan dalam strategi bisnis in the bank’s business strategy, as well as funding projects
bank, serta mendanai proyek-proyek yang berfokus pada that focus on clean energy and efficient management of
energi bersih dan pengelolaan sumber daya alam secara natural resources. In addition, the Bank also implements
efisien. Selain itu, Bank juga mengimplementasikan kebijakan policies to reduce its carbon footprint through greener
untuk menurunkan jejak karbon melalui inisiatif operasional operational initiatives, including the use of green technology
yang lebih ramah lingkungan, termasuk penggunaan teknologi in its digital banking system. The Bank is committed to leading
hijau dalam sistem perbankan digital. Bank berkomitmen untuk change by providing financing solutions that support sustainable
memimpin perubahan dengan menyediakan solusi pembiayaan economic growth, in line with the global vision to reduce
yang mendukung pertumbuhan ekonomi berkelanjutan, sejalan carbon emissions and create a better future.
dengan visi global untuk mengurangi emisi karbon dan
menciptakan masa depan yang lebih baik.
Keterlibatan Bank terhadap upaya pencegahan perubahan The Bank’s involvement in efforts to prevent climate change
iklim dan mendukung pencapaian net zero emissions diwujudkan and support the achievement of net zero emissions is realized
dalam berbagai aspek, yaitu: in various aspects, namely:
1. KEBIJAKAN KEBERLANJUTAN 1. SUSTAINABILITY POLICY
Secara keseluruhan, Bank menerapkan kepedulian Bank exhibits its commitment to environmental
pada lingkungan melalui pengembangan kebijakan stewardship by formulating sustainability policies
keberlanjutan yang dibangun berdasarkan Peraturan founded on the guidelines stipulated by the Financial
Otoritas Jasa Keuangan No.51/POJK.03/2017 tentang Services Authority Regulation No.51/POJK.03/2017
Penerapan Keuangan Berkelanjutan bagi Lembaga concerning the Execution of Sustainable Finance for
Jasa Keuangan, Emiten dan Perusahaan Publik. Hal Financial Services Institutions, Issuers, and Public
ini diaktualisasikan dengan Pernyataan Kesanggupan Companies. The Bank substantiates this claim through
Pengelolaan Lingkungan Hidup (PKPLH) yang mana the Environmental Management Capability Statement
Bank menyatakan kesanggupan untuk: (PKPLH), which declares its capability to:
a. Memenuhi pengelolaan dan pemantauan lingkungan a. Fulfil environmental management and monitoring
hidup sebagaimana tercantum dalam matriks UKL- as stated in the Environmental Management and
UPL; Monitoring Plan (UKL-UPL) matrix;
b. Memenuhi Persetujuan Teknis, antara lain: b. Fulfil Technical Approval, including:
• pemenuhan baku mutu air limbah; • fulfilment of waste water quality standards;
• pemenuhan baku mutu emisi; • fulfilment of emission quality standards;
• pengelolaan limbah bahan berbahaya dan • management of hazardous wastes and toxic;
beracun;
• analisis mengenai dampak lalu lintas. • analysis of traffic impacts.
c. Melakukan pengambilan data rona lingkungan c. Collect environmental baseline data that is relevant
yang relevan dengan potensi dampak yang to the potential impacts, immediately before carrying
ditimbulkan, sesaat sebelum melakukan kegiatan out construction phase activities;
tahap konstruksi;
d. Melaksanakan tata cara penyimpanan sementara d. Implement procedures for temporary storage of
limbah B3; hazardous waste;
e. Mematuhi ketentuan peraturan perundang-undangan e. Comply with the provisions of laws and regulations
di bidang perlindungan dan pengelolaan lingkungan in the field of environmental protection and
hidup; management;
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Menjaga Kelestarian Lingkungan
Preserving Environmental Sustainability
f. Melakukan koordinasi dengan instansi pusat maupun f. Coordinate with central and regional agencies
daerah, berkaitan dengan pelaksanaan kegiatan ini; regarding the implementation of this activity;
g. Mengupayakan aplikasi Reduce, Reuse, dan Recycle g. Strive to apply Reduce, Reuse and Recycle (3R) to
(3R) terhadap limbah-limbah yang dihasilkan; the waste produced;
h. Melakukan pengelolaan limbah non-B3 sesuai h. Carry out non-hazardous waste management in
dengan peraturan perundang-undangan yang accordance with applicable laws and regulations;
berlaku;
i. Melaksanakan ketentuan pelaksanaan kegiatan i. Carry out the provisions for implementing activities
sesuai dengan Standard Operating Procedure in accordance with the Standard Operating
(SOP); Procedure (SOP);
j. Melakukan perbaikan secara terus-menerus terhadap j. Carry out continuous improvements to the reliability
kehandalan teknologi yang digunakan dalam rangka of the technology used in order to minimize the
meminimalisasi dampak yang diakibatkan dari impact resulting from this activity plan;
rencana kegiatan ini;
k. Mendokumentasikan seluruh kegiatan pengelolaan k. Document all environmental management activities
lingkungan yang dilakukan terkait dengan kegiatan carried out in relation to these activities;
tersebut;
l. Menyiapkan dana penjaminan pemulihan fungsi l. Prepare a guarantee fund for the restoration of
lingkungan hidup sesuai dengan ketentuan environmental functions in accordance with statutory
peraturan perundang-undangan; dan provisions; and
m. Kewajiban lain yang ditetapkan oleh Menteri, m. Other obligations determined by the Minister,
Gubernur, atau Bupati/Wali Kota sesuai dengan Governor, or Regent/Mayor in accordance with
kewenangannya berdasarkan kepentingan their authority based on the interests of
perlindungan dan pengelolaan lingkungan hidup. environmental protection and management.
2. OPERASIONAL BERSIH [OJK F.5][GRI 306-2] 2. GREEN OPERATION [OJK F.5][GRI 306-2]
Operasional bersih dalam Bank diwujudkan melalui The efforts to build green operations in the Bank are
upaya-upaya pengurangan limbah, seperti: embodied by reducing operational waste, including:
a. Bank berkomitmen untuk mengurangi dampak a. Through daily operations, the Bank is committed
lingkungan dengan mengadopsi solusi digital dalam to reducing its environmental impact through the
operasional harian. Salah satu langkah nyata yang implementation of digital solutions. An instance of
telah diambil adalah pengembangan layanan digital tangible progress has been achieved through the
banking, yang bertujuan untuk mengurangi implementation of digital banking services, which
penggunaan kertas dalam proses perbankan. Selain are designed to diminish the reliance on paper
itu, Bank juga mengoptimalkan platform kolaborasi during the banking procedure. Furthermore, in an
seperti Microsoft Teams untuk mengefisiensikan effort to decrease reliance on paper, the Bank
review dokumen bisnis, dengan tujuan untuk optimises collaboration platforms like Microsoft
mengurangi ketergantungan pada penggunaan Teams to expedite the review process for business
kertas. Dengan langkah-langkah ini, Bank berharap documents. The Bank aspires to contribute positively
dapat memberikan kontribusi positif terhadap to environmental conservation while maintaining
pelestarian lingkungan sambil tetap memberikan efficient customer service through the implementation
layanan yang efisien kepada nasabah. of these measures.
b. Mengembangkan administrasi nir-kertas (paperless b. Paperless administration for internal communication
administration) dengan cara menggunakan e-mail by using email.
dalam penyebaran informasi internal.
c. Menghemat penggunaan kertas, dengan cara c. Saving paper usage, by printing on both sides and
mencetak bolak balik, atau memanfaatkan kertas utilizing recycled paper for internal purposes.
bekas untuk keperluan internal.
d. Memberi pilihan pada nasabah dalam transaksi d. Providing customers the option in ATM transactions,
ATM, apakah transaksi akan dicetak atau tidak. whether the transaction receipt will be printed or
not.
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3. INSAN YANG PEDULI LINGKUNGAN 3. GREEN WORKING BEHAVIOUR
Bank mengembangkan budaya keberlanjutan, yang The Bank cultivates a culture of sustainability, which
diawali dengan membangun karyawan yang sadar starts with raising employee awareness about the
lingkungan. Bank membangun budaya keberlanjutan environment. The Bank builds a culture of sustainability
bagi karyawan dan nasabah serta mitra bisnis melalui for its employees, customers, and business partners
berbagai pelatihan, kampanye, dan penyebaran through various training programs, campaigns, and
informasi lainnya. dissemination of information.
Bank telah memberikan pernyataan mandiri dalam menjaga The Bank has provided an independent statement in maintaining
Keselamatan, Keamanan, Kesehatan dan Pelestarian Fungsi Safety, Security, Health and Preservation of Environmental
Lingkungan (K3L) serta pernyataan kesanggupan pengelolaan Functions (K3L) and a statement of environmental management
dan pemantauan lingkungan hidup (SPPL) pada 7 Oktober 2024. and monitoring (SPPL) on October 7, 2024.
Bank juga mengadopsi berbagai kebijakan yang berfokus The Bank has also adopted various policies that focus on
pada keberlanjutan lingkungan dalam pengembangan produk environmental sustainability in the development of financial
keuangan, serta langkah-langkah yang mendukung pelestarian products, as well as measures that support nature conservation.
alam. Pada tahun 2024, Bank telah merencanakan beberapa By 2024, the Bank has planned several priority programs, as
program prioritas sesuai Rencana Aksi Keuangan Berkelanjutan outlined in Sustainable Finance Action Plan (RAKB) which
(RAKB) yang bertujuan untuk memperkuat kontribusi Bank aims to strengthen the Bank’s contribution in supporting
dalam mendukung inisiatif lingkungan yang lebih luas. broader environmental initiatives.
Pengelolaan dan Pemantauan Lingkungan [OJK F.9, F.10, F.16]
Environmental Management and Monitoring [OJK F.9, F.10, F.16]
Pengelolaan dan pemantauan lingkungan merupakan bagian Environmental management and monitoring is an integral
integral dari Sistem Manajemen Lingkungan yang diterapkan part of the Environmental Management System implemented
oleh Bank Maspion, yang tercermin dalam tahapan pelaksanaan by Bank Maspion, which is reflected in the implementation
Keuangan Berkelanjutan yang disusun dalam Rencana Aksi stages of Sustainable Finance compiled in the Sustainable
Keuangan Berkelanjutan (RAKB). Proses ini dirancang untuk Finance Action Plan. This process is designed to measure
mengukur efektivitas upaya pengelolaan lingkungan yang the effectiveness of environmental management efforts
diimplementasikan oleh Bank, dengan tujuan untuk memitigasi implemented by the Bank, with the aim of mitigating negative
dampak negatif terhadap lingkungan, serta memaksimalkan impacts on the environment, as well as maximizing positive
kontribusi positif dalam menjaga keberlanjutan alam. Bank contributions in maintaining the sustainability of nature. The
berkomitmen penuh untuk mematuhi semua peraturan Bank is fully committed to complying with all laws and
perundang-undangan terkait dengan perlindungan lingkungan regulations related to environmental protection and always
hidup dan selalu berusaha untuk meminimalkan dampak strives to minimize operational impacts on the environment.
operasional terhadap lingkungan.
Dalam perencanaan terkait lingkungan hidup, Bank In environmental planning, the Bank prioritizes the Environmental
mengutamakan proses Analisis Mengenai Dampak Lingkungan Impact Assessment (AMDAL) and Environmental Management
(AMDAL) dan Upaya Pengelolaan Lingkungan dan Upaya and Environmental Monitoring Efforts (UKL-UPL) processes,
Pemantauan Lingkungan (UKL-UPL), serta peraturan perundang- as well as other laws and regulations relevant to the Bank's
undangan lain yang relevan dengan operasional Bank. Bank operations. The Bank ensures that all steps taken are in
memastikan bahwa semua langkah yang diambil sesuai dengan accordance with applicable regulations, and involves
ketentuan yang berlaku, serta melibatkan mekanisme aturan transparent and accountable regulatory mechanisms in every
yang transparan dan akuntabel dalam setiap kegiatan yang activity that has the potential to impact the environment. This
berpotensi berdampak pada lingkungan. Pendekatan ini approach demonstrates the Bank's seriousness in managing
menunjukkan keseriusan Bank dalam mengelola dampak environmental impacts and ensuring that every operational
lingkungan dan memastikan bahwa setiap keputusan decision does not neglect environmental sustainability.
operasional tidak mengabaikan keberlanjutan lingkungan.
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Menjaga Kelestarian Lingkungan
Preserving Environmental Sustainability
Selama periode pelaporan, Bank Maspion tidak mencatatkan During the reporting period, Bank Maspion did not record
adanya pelanggaran terhadap peraturan perundang-undangan any violations of laws and regulations related to environmental
yang terkait dengan perlindungan lingkungan hidup. Seluruh protection. All of the Bank's operational areas are not located
wilayah operasional Bank tidak berada di dalam area konservasi in conservation areas or areas with biodiversity, but the Bank
atau memiliki keanekaragaman hayati, namun Bank tetap is still committed to preserving the environment around its
berkomitmen untuk menjaga kelestarian lingkungan di sekitar operational areas. The Bank continues to improve environmental
wilayah oeprasionalnya. Bank terus berupaya meningkatkan monitoring and management in every aspect of its operations,
pemantauan dan pengelolaan lingkungan dalam setiap aspek maintaining environmental quality, and making a positive
operasionalnya, menjaga kualitas lingkungan, serta memberikan contribution to society and nature.
kontribusi positif bagi masyarakat dan alam.
Upaya Pengelolaan Energi
dan Penurunan Emisi GRK [OJK F7, F12] [GRI 302-4, 305-5]
Energy Management and GHG
Emission Reduction Efforts [OJK F7, F12] [GRI 302-4, 305-5]
Bank menunjukkan komitmen yang nyata terhadap pelestarian The Bank demonstrates a real commitment to environmental
lingkungan hidup melalui berbagai langkah efisiensi energi conservation through various energy efficiency measures in
di kantor cabangnya yang tersebar di berbagai daerah. Salah its branch offices spread across various regions. One of the
satu upaya yang dilakukan adalah desain ruang kantor yang efforts taken is the design of office spaces that prioritize the
mengutamakan penggunaan kaca dan konsep open space, use of glass and the concept of open space, which allows
yang memungkinkan pemanfaatan cahaya alami secara maximum utilization of natural light, thus reducing dependence
maksimal, sehingga mengurangi ketergantungan pada on electric lighting. In addition, the habit of turning off air
pencahayaan listrik. Selain itu, kebiasaan mematikan AC dan conditioners and electronic equipment after use also contributes
peralatan elektronik setelah digunakan turut berkontribusi to the efficiency of energy use, reducing waste and electricity
pada efisiensi penggunaan energi, mengurangi pemborosan costs incurred by the Bank.
dan biaya listrik yang dikeluarkan oleh Bank.
Bank berkomitmen untuk menciptakan Green Office dengan The Bank is committed to creating a Green Office by
menerapkan berbagai kegiatan operasional yang ramah implementing various environmentally friendly operational
lingkungan. Di antaranya, Bank menerapkan kebijakan activities. Among others, the Bank implements an energy
penghematan energi dengan tidak menyalakan seluruh lampu saving policy by not turning on all lights during the day, and
pada siang hari, serta memastikan bahwa lampu dan AC ensuring that lights and air conditioners are turned off when
dimatikan ketika ruangan tidak digunakan. Selain itu, mesin the room is not in use. In addition, chillers are turned off on
pendingin (chiller) dimatikan pada akhir pekan dan hari libur, weekends and holidays, and LED lights are used for more
serta menggunakan lampu LED untuk pencahayaan yang efficient lighting. To reduce energy consumption and support
lebih efisien. Untuk mengurangi konsumsi energi dan a healthy lifestyle, the Bank also encourages employees to
mendukung gaya hidup sehat, Bank juga menghimbau karyawan use stairs instead of elevators when only going up or down
untuk menggunakan tangga sebagai pengganti lift saat hanya one or two floors.
naik atau turun satu atau dua lantai.
Sebagai upaya lebih lanjut dalam mengurangi emisi, Bank As a further effort in reducing emissions, the Bank ensures
memastikan penggunaan freon AC yang sesuai dengan standar the use of air conditioning freon that complies with environmental
lingkungan yang tidak merusak lapisan ozon. Bank juga rutin standards that do not damage the ozone layer. The Bank
melakukan uji emisi pada alat-alat yang menghasilkan asap, also routinely conducts emission tests on equipment that
seperti genset dan kendaraan operasional. Selain itu, Bank produces fumes, such as generators and operational vehicles.
berupaya mengurangi konsumsi bahan bakar minyak (BBM) In addition, the Bank seeks to reduce fuel consumption in
dalam perjalanan dinas dengan mendorong penggunaan official travel by encouraging the use of video conferencing
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sarana video conference dan tele conference, jika and tele conferencing, where possible, as an alternative to
memungkinkan, sebagai alternatif pertemuan tatap muka. Hal face-to-face meetings. This also reduces the need for physical
ini turut mengurangi kebutuhan akan perjalanan fisik dan travel and the resulting environmental impact.
dampak lingkungan yang ditimbulkan.
Lebih jauh, Bank juga mengoptimalkan penggunaan teknologi Furthermore, the Bank also optimizes the use of technology
melalui Maspion Electronic Banking (MEB) yang memberikan through Maspion Electronic Banking (MEB) which provides
kemudahan transaksi bagi nasabah tanpa harus mengunjungi customers with ease of transactions without having to visit
kantor. Hal ini tidak hanya menghemat waktu, tetapi juga the office. This not only saves time, but also reduces energy
mengurangi konsumsi energi dan emisi karbon dari perjalanan consumption and carbon emissions from customer travel.
nasabah. Bank menyadari bahwa operasional perbankan yang The Bank realizes that banking operations involving electricity,
melibatkan energi listrik, air, dan BBM perlu dikelola secara water and fuel need to be managed efficiently to avoid adverse
efisien untuk menghindari dampak buruk bagi lingkungan environmental impacts in the long run. Therefore, the Bank
dalam jangka panjang. Oleh karena itu, Bank terus berupaya continuously strives to optimize the use of natural resources
untuk mengoptimalkan penggunaan sumber daya alam demi to achieve better environmental sustainability. [OJK F7] [GRI
mencapai keberlanjutan lingkungan yang lebih baik. [OJK F7] 302-4, 305-5]
[GRI 302-4, 305-5]
Penggunaan Energi [OJK F6] [GRI 302-1, GRI 302-4]
Energy Usage [OJK F6] [GRI 302-1, GRI 302-4]
Secara keseluruhan, Bank mencatat penggunaan listrik dengan Overall, the Bank recorded electricity usage totaling 131,361
total 131.361 kwh. Sebagai bagian dari upaya untuk lebih kwh. As part of efforts to further improve operational
meningkatkan keberlanjutan operasional, Bank terus berupaya sustainability, the Bank continues to monitor and reduce
memantau dan mengurangi konsumsi energi listrik, serta electricity consumption, as well as implement policies that
mengimplementasikan kebijakan yang mendukung pengurangan support the reduction of carbon emissions.
emisi karbon.
Berikut ini adalah rincian penggunaan listrik Bank: The following is a breakdown of the Bank's electricity usage:
E-03 Tabel Penggunaan Listrik (kWh)
E-03 Table of Electricity Usage (kWh)
Type of Energy Unit
2024
Jenis Energi Satuan
Electricity kwh 4.019.477
Listrik
Secara keseluruhan, Bank mencatat penggunaan BBM untuk Overall, the Bank recorded fuel usage for operational vehicles
kendaraan operasional dengan total 45.592 liter. Sebagai totaling 45,592 liters. As part of its efforts to use fuel efficiently,
bagian dari upaya efisiensi penggunaan BBM, Bank melakukan the Bank has taken several initiatives such as routine engine
beberapa inisiatif seperti perawatan rutin mesin, mengurangi maintenance, reducing business trips by prioritizing the use
perjalanan dinas dengan mengutamakan penggunaan teknologi of technology for meetings such as video conferencing and
untuk rapat seperti video conference dan tele conference, teleconferencing, and others.
dan lainnya.
Berikut ini adalah rincian penggunaan BBM untuk kendaraan The following is a breakdown of fuel usage for the Bank's
operasional Bank: operational vehicles:
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Preserving Environmental Sustainability
Tabel Penggunaan BBM (liter)
Table of Fuel Usage (liter)
Jenis BBM
No. 2024
Type of Fuel
1 Pertamax Turbo 1.096
2 DEX 6.555
3 Pertamax 6.562
4 Pertalite 30.386
5 Dexlite 77
6 Bio Solar 992
Jumlah | Total 45.668
Emisi GRK yang Dihasilkan [OJK F.11] [GRI 302-1, GRI 302-4] [GRI 305-1, 305-2, 305-4]
Generated GHG Emissions [OJK F.11] [GRI 302-1, GRI 302-4] [GRI 305-1, 305-2, 305-4]
Bank mengukur dan mengelola dampak lingkungan dengan Banks measure and manage environmental impacts by
menghitung emisi GRK Cakupan 1 dan 2 menggunakan metode calculating Scope 1 and 2 GHG emissions using an activity-
berbasis aktivitas. based method.
Penghitungan Emisi Cakupan 1 menggunakan rumus: Scope 1 Emissions are calculated using the formula:
Konversi ke TCO2e: Conversion to TCO2e:
Faktor emisi dan nilai kalor netto yang digunakan merujuk The emission factors and net calorific values used refer to
pada data dari Kementerian ESDM, sehingga rincian data from the Ministry of Energy and Mineral Resources, so
penghitungan emisi cakupan 1 Bank adalah sebagai berikut: the details of the Bank's Scope 1 emission calculations are
as follows:
Nilai Kalor Netto Faktor Emisi Emisi
Jenis BBM
No. Net Calorific Value Emission Factor Emission
Type of Fuel
(GJ/liter) (kg Co2/GJ) (TCo2e)
1 Pertamax Turbo 0,0342 68,91 2,58
2 DEX 0,0357 72,85 17,05
3 Pertamax 0,0342 69,04 15,49
4 Pertalite 0,0342 69,29 72,01
5 Dexlite 0,0357 72,93 0,20
6 Bio Solar 0,0357 73,28 2,60
Jumlah | Total 109,93
Penghitungan Emisi Cakupan 2 menggunakan rumus: Calculation of Scope 2 Emissions using the formula:
Faktor emisi yang digunakan merujuk pada data dari Kementerian The emission factors used refer to data from the Ministry of
ESDM, sehingga rincian penghitungan emisi cakupan 2 Bank Energy and Mineral Resources, so the details of the calculation
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adalah sebagai berikut: of emissions for Scope 2 of the Bank are as follows:
Faktor Emisi Emisi
Keterangan
Emission Factor Emission
Description
(TCO2/MWh) (TCo2e)
Grid Jawa-Madura-Bali (Jamali) 0,95 3.818,50
E-01 Tabel Emisi GRK
E-01 Table of GHG Emissions
Uraian Satuan
2024
Description Unit
Emisi GRK Scope 1 TCO2e 109,93
Scope 1 GHG Emissions
Emisi GRK Scope 2 3.818,50
Scope 2 GHG Emissions
Jumlah Emisi GRK Scope 1 dan Scope 2 16.031,97
Total Scope 1 and Scope 2 GHG Emissions
Intensitas Emisi GRK/Pendapatan TCO2e/Rp 0,00
GHG Emissions/Revenue
Penggunaan & Penghematan Air [OJK F8] [GRI 303-2] [GRI 303-5]
Water Usage and Efficiency [OJK F8] [GRI 303-2] [GRI 303-5]
Sebagai bagian dari kontribusinya terhadap kelestarian One of the Bank’s contributions to environmental sustainability
lingkungan, Bank fokus pada pengelolaan penggunaan air is water utilization. The Bank strives to conserve water by
secara efisien. Bank berupaya untuk meminimalkan konsumsi maintaining water reserves and prioritizing other places more
air dengan menjaga cadangan air yang ada dan memberikan in need or lacking water supply. The Bank utilizes water
prioritas kepada area yang membutuhkan pasokan air lebih effectively in every operational activity and continues socializing
besar. Setiap kegiatan operasional Bank dirancang untuk saving water usage to all branch offices. The amount of water
memanfaatkan air secara bijaksana, serta menyosialisasikan used in each branch office is different, as shown in the following
pentingnya penghematan air kepada seluruh kantor cabang. table.
Penggunaan air di setiap kantor cabang berbeda-beda, yang
dapat dilihat dalam tabel berikut.
Tabel Penggunaan Air (m³)
Table of Water Usage (m³)
Lokasi Perubahan
No. 2024 2023
Location Change (%)
1 Surabaya 10.731 6.005 79%
2 Jakarta 436 3.780 -88%
3 Malang 356 432 -18%
4 Bandung 462 478 -3%
5 Solo 242 330 -27%
6 Semarang 317 448 -29%
7 Purwokerto 285 435 -34%
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Menjaga Kelestarian Lingkungan
Preserving Environmental Sustainability
Lokasi Perubahan
No. 2024 2023
Location Change (%)
8 Palembang 229 264 -13%
9 Denpasar 432 138 213%
10 Makassar 3.420 10 34.100%
11 Medan 402.414 545 73.737%
12 Jember 128.507 208 61.682%
Jumlah | Total 547.831 13.073 4.091%
Pengelolaan Limbah [OJK F13, F14, F15] [GRI 306-1, 306-2, 306-3]
Waste Management [OJK F13, F14, F15] [GRI 306-1, 306-2, 306-3]
Bank Maspion berkomitmen untuk mengelola limbah dengan Bank Maspion is committed to managing waste in a responsible
cara yang bertanggung jawab dan sesuai dengan peraturan manner and in accordance with applicable regulations. The
yang berlaku. Mayoritas limbah yang dihasilkan oleh Bank majority of waste generated by the Bank is paper waste,
adalah limbah kertas, yang termasuk dalam golongan limbah which is categorized as non-B3 waste. This waste is generated
non-B3. Limbah ini dihasilkan dari berbagai aktivitas operasional, from various operational activities, such as printing of
seperti pencetakan dokumen, formulir, dan arsip. Sebagai documents, forms and archives. In an effort to reduce
upaya untuk mengurangi dampak lingkungan, Bank telah environmental impact, the Bank has established an effective
menetapkan kebijakan pengelolaan limbah yang efektif, waste management policy, with the aim of recycling as much
dengan tujuan untuk mendaur ulang sebanyak mungkin paper material as possible and reducing waste generation.
material kertas yang dihasilkan dan mengurangi limbah yang
terbuang.
Dalam pelaksanaannya, Bank bekerja sama dengan vendor In doing so, the Bank works with licensed vendors who have
yang berizin dan memiliki kapasitas serta keahlian dalam the capacity and expertise in waste management, to ensure
pengelolaan limbah, untuk memastikan bahwa limbah kertas that paper waste is managed in a safe manner and in
tersebut dikelola dengan cara yang aman dan sesuai dengan accordance with applicable environmental regulations. These
ketentuan lingkungan yang berlaku. Vendor tersebut vendors are responsible for recycling or properly disposing
bertanggung jawab untuk mendaur ulang atau membuang of paper waste, thereby avoiding negative impacts on the
limbah kertas secara benar, sehingga menghindari dampak environment. In 2024, there were no waste spill occurred.
negatif terhadap lingkungan. Pada tahun 2024, tidak terdapat
tumpahan limbah yang terjadi.
Secara keseluruhan terdapat penurunan limbah kertas Bank Overall there was a decrease in the Bank's paper waste with
dengan rincian sebagai berikut: the following details:
Tabel Limbah Kertas
Table of Paper Waste
Uraian Satuan
2024 2023
Description Unit
Limbah Kertas ton 4,48 4,58
Paper Waste
Konversi 1 ton kertas = 400 rim Conversion 1 ton of paper = 400 reams
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Kepatuhan Lingkungan & Sosial [OJK F16] [GRI 307-1]
Environmental & Social Compliance [OJK F16] [GRI 307-1]
Selama tahun 2024, Bank telah menjalankan operasionalnya During 2024, the Bank has conducted its operations in
dengan mematuhi seluruh peraturan dan undang-undang compliance with all applicable environmental and social
yang berlaku terkait dengan lingkungan hidup dan sosial, regulations and laws, with no sanctions or violations imposed.
tanpa adanya sanksi atau pelanggaran yang dikenakan. This commitment reflects the Bank's dedication to ensuring
Komitmen ini mencerminkan dedikasi Bank untuk memastikan compliance with regulations governing environmental
kepatuhan terhadap peraturan yang mengatur pelestarian preservation and social responsibility, as well as demonstrating
lingkungan dan tanggung jawab sosial, serta menunjukkan proactive efforts in maintaining sustainability in every aspect
upaya proaktif dalam menjaga keberlanjutan dalam setiap of its operations. The Bank continuously strives to ensure that
aspek operasional perusahaan. Bank terus berupaya untuk all policies and activities undertaken are in line with the
memastikan bahwa semua kebijakan dan kegiatan yang principles of sustainability and high social responsibility.
dilakukan sejalan dengan prinsip-prinsip keberlanjutan dan
tanggung jawab sosial yang tinggi.
Implementasi ESG dalam Investasi Berkelanjutan
ESG Implementation in Sustainable Investment
Bank Maspion berkomitmen untuk secara konsisten Bank Maspion is committed to consistently integrating
mengintegrasikan prinsip lingkungan, sosial, dan tata kelola environmental, social and corporate governance (ESG) principles
perusahaan (ESG) dalam setiap lini investasi berkelanjutan in every line of sustainable investment made. As part of this
yang dilakukan. Sebagai bagian dari komitmen ini, Bank commitment, the Bank collaborates with various fintech and
menggandeng berbagai perusahaan fintech dan multifinance multifinance companies to provide funding to MSMEs and
untuk memberikan pendanaan kepada UMKM dan sektor- other sectors that contribute to inclusive and sustainable
sektor lain yang berkontribusi terhadap pertumbuhan ekonomi economic growth. In addition, the Bank continues to explore
yang inklusif dan berkelanjutan. Selain itu, Bank terus digital opportunities and new business models that can
mengeksplorasi peluang-peluang digital serta model bisnis accelerate business expansion and support business sector
baru yang dapat mempercepat perluasan usaha dan mendukung transformation to create broader positive impacts.
transformasi sektor usaha untuk menciptakan dampak positif
yang lebih luas.
Sebagai bentuk dukungan berkelanjutan terhadap praktik As part of its ongoing support for ESG practices, Bank Maspion's
ESG, para pemegang saham Bank Maspion juga terus shareholders also continue to encourage sustainable
mendorong agar aspek pembangunan berkelanjutan, baik development aspects, both in the economic, social and
dalam bidang ekonomi, sosial, maupun lingkungan, menjadi environmental fields, to become the main foundation of the
landasan utama dalam operasional Bank. Bank berkomitmen Bank's operations. The Bank is committed to ensuring that
untuk memastikan bahwa setiap kredit yang disalurkan every loan disbursed provides maximum benefits for all
memberikan manfaat yang maksimal bagi semua pemangku stakeholders, with the aim of creating long-term value and
kepentingan, dengan tujuan menciptakan nilai jangka panjang making Bank Maspion a “Bank of Sustainability” that is able
dan menjadikan Bank Maspion sebagai “Bank of Sustainability” to make a positive contribution to society and the country.
yang mampu memberikan kontribusi positif bagi masyarakat
dan negara.
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Page 442
Memberdayakan Insan Bank Maspion dan Masyarakat
Empowering People of Bank Maspion and the Community
Bank Maspion berkomitmen untuk menciptakan tempat kerja pilihan dengan memberikan
peluang pengembangan diri yang optimal bagi karyawan, serta membangun budaya
kerja yang inklusif dan produktif. Selain itu, Bank juga aktif berkontribusi pada
masyarakat melalui berbagai inisiatif sosial yang bertujuan untuk meningkatkan
kesejahteraan dan mendorong pembangunan berkelanjutan.
Bank Maspion is committed to creating a workplace of choice by providing optimal self-development
opportunities for employees, as well as building an inclusive and productive work culture. In
addition, the Bank also actively contributes to society through various social initiatives aimed at
improving welfare and promoting sustainable development.
Bank Maspion terus berkomitmen untuk memberdayakan Bank Maspion remains committed to empowering people
insan dan masyarakat melalui berbagai program yang bertujuan and communities through various programs aimed at creating
menciptakan nilai sosial dan ekonomi yang berkelanjutan. sustainable social and economic value. In this endeavor, the
Dalam upaya tersebut, Bank berfokus pada pengembangan Bank focuses on developing human resources, both employees
sumber daya manusia, baik karyawan maupun masyarakat and the surrounding community, by providing training,
sekitar, dengan menyediakan pelatihan, pendidikan, serta education, and opportunities to develop skills and potential.
peluang untuk mengembangkan keterampilan dan potensi. The Bank believes that people empowerment is key to creating
Bank percaya bahwa pemberdayaan insan adalah kunci untuk a productive and harmonious ecosystem, which in turn will
menciptakan ekosistem yang produktif dan harmonis, yang drive sustainable growth for all parties.
pada gilirannya akan mendorong pertumbuhan berkelanjutan
bagi semua pihak.
Sebagai bagian dari komitmen terhadap masyarakat, Bank As part of its commitment to the community, Bank Maspion
Maspion menjalankan berbagai program yang berfokus pada runs various programs that focus on social welfare, including
kesejahteraan sosial, termasuk inisiatif pendidikan, kesehatan, education, health, and local economic development initiatives.
dan pengembangan ekonomi lokal. Bank memberikan dukungan The Bank provides support to the community through
kepada masyarakat melalui pemberian beasiswa, pelatihan scholarships, entrepreneurship training, and social assistance
kewirausahaan, dan bantuan sosial untuk meningkatkan to improve the quality of life and empower communities in
kualitas hidup dan memberdayakan komunitas-komunitas need. By actively participating in social development, the
yang membutuhkan. Dengan berpartisipasi aktif dalam Bank hopes to create widespread positive impact, encourage
pembangunan sosial, Bank berharap dapat menciptakan job creation, and strengthen social resilience at the local
dampak positif yang meluas, mendorong terciptanya lapangan level.
pekerjaan, serta memperkuat ketahanan sosial di tingkat lokal.
Melalui program-program tersebut, Bank Maspion berperan Through these programs, Bank Maspion acts as an agent of
sebagai agen perubahan yang tidak hanya fokus pada change that not only focuses on achieving financial performance,
pencapaian kinerja finansial, tetapi juga berupaya meningkatkan but also seeks to improve the overall welfare of the community.
kesejahteraan masyarakat secara menyeluruh. Komitmen The Bank’s commitment to empowering people and communities
Bank dalam memberdayakan insan dan masyarakat reflects the values upheld by the Company, namely social
mencerminkan nilai-nilai yang dijunjung tinggi oleh Perseroan, responsibility, integrity, and dedication to creating inclusive
yaitu tanggung jawab sosial, integritas, dan dedikasi untuk progress. Bank Maspion believes that empowerment is the
menciptakan kemajuan yang inklusif. Bank Maspion percaya foundation for a better future, both for employees, society,
bahwa pemberdayaan adalah fondasi bagi masa depan yang and the economy as a whole.
lebih baik, baik bagi karyawan, masyarakat, maupun
perekonomian secara keseluruhan.
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Komposisi & Peningkatan Kualitas SDM
HR Composition & Quality Improvement
Pada tahun 2024, Bank berhasil melaksanakan transformasi In 2024, the Bank successfully implemented digital
digital dengan meluncurkan platform Insight Notes, yang transformation by launching the Insight Notes platform, which
menjadi kanal komunikasi internal untuk menyampaikan became an internal communication channel to convey the
informasi terkini kepada seluruh pegawai. Platform ini terus latest information to all employees. This platform continues
dikembangkan untuk memudahkan akses informasi terbaru to be developed to facilitate access to the latest relevant
yang relevan mengenai perkembangan Bank. information on the Bank’s development.
Hingga akhir Desember 2024, jumlah pegawai Bank mencapai By the end of December 2024, the Bank had 936 employees,
936 orang, menunjukkan peningkatan signifikan dibandingkan showing a significant increase compared to 826 employees
tahun 2023 yang tercatat 826 pegawai. Peningkatan ini in 2023. This increase includes new recruits, adjustments to
mencakup rekrutmen baru, penyesuaian dengan kebutuhan organizational needs, as well as employee reductions due
organisasi, serta pengurangan pegawai akibat pensiun atau to retirement or resignation [GRI 401-1].
pengunduran diri [GRI 401-1].
Sejalan dengan pertumbuhan jumlah pegawai, Bank In line with the growth in headcount, the Bank is committed
berkomitmen untuk terus meningkatkan kompetensi Sumber to continuously improving the competence of its Human
Daya Manusia (SDM) dengan memetakan kebutuhan masa Resources (HR) by mapping future needs and strengthening
depan dan memperkuat program pelatihan. Bank juga training programs. The Bank is also implementing various
melaksanakan berbagai inisiatif yang bertujuan memperkuat initiatives aimed at strengthening collaboration between
kolaborasi antar divisi dan memastikan tim bekerja secara divisions and ensuring teams work in harmony to achieve
harmonis untuk mencapai hasil kerja yang lebih baik. better results.
Program pengembangan pegawai Bank Maspion merupakan Bank Maspion’s employee development program is a strategic
investasi strategis untuk menciptakan lingkungan kerja yang investment to create a work environment that supports the
mendukung pertumbuhan profesional dan pribadi setiap individu. professional and personal growth of each individual. By
Dengan meningkatkan kompetensi dan keterampilan pegawai, enhancing employee competencies and skills, the Bank
Bank memastikan timnya siap menghadapi dinamika industri ensures that its teams are ready to face the changing industry
dan perkembangan teknologi yang terus berubah, sekaligus dynamics and technological developments, while providing
memberikan nilai tambah bagi seluruh pemangku kepentingan. added value to all stakeholders.
Beberapa program pengembangan pegawai yang telah A number of employees development initiatives have been
dijalankan Bank Maspion sepanjang tahun 2024, yaitu [GRI executed by Bank Maspion in 2024, including [GRI 404-1]
404-1] [OJK F.22] : [OJK F.22] :
Pelatihan diberikan baik kepada manajemen (Direksi dan Training was provided to the management (Board of Directors
Dewan Komisaris), Pejabat Eksekutif, maupun kepada karyawan- and Board of Commissioners), Executive Officers, and
karyawan Bank. Selain pelatihan, Bank juga menghadiri employees of the Bank. In addition to training, the Bank also
kegiatan sosialisasi yang diselenggarakan oleh OJK antara attended socialization activities organized by OJK, among
lain: others:
1. Kebijakan dan Regulasi Sektor Jasa Keuangan 1. Financial Services Sector Policies and Regulations
• Sosialisasi Peran UU P2SK dalam Memberikan Efek • Socialization of the Role of the P2SK Law in Providing
Jera bagi Pelaku Jasa Keuangan Ilegal Deterrent Effects for Illegal Financial Service Providers
• Sosialisasi Peraturan Otoritas Jasa Keuangan Nomor • Socialization of Financial Services Authority
26/2023 dan regulasi terkait pasar modal Regulation Number 26/2023 and related capital
market regulations
• Sosialisasi Peraturan Otoritas Jasa Keuangan Nomor • Socialization of Financial Services Authority Regulation
22/2023 tentang Perlindungan Konsumen Number 22/2023 concerning Consumer Protection
• Sosialisasi Implementasi PDP (Perlindungan Data • Socialization of PDP (Personal Data Protection)
Pribadi) di Perbankan Implementation in Banking
2. Keuangan Berkelanjutan (Sustainable Finance) 2. Sustainable Finance
• Sosialisasi Taksonomi Keuangan Berkelanjutan • Socialization of Indonesian Sustainable Finance
Indonesia Taxonomy
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Memberdayakan Insan Bank Maspion dan Masyarakat
Empowering People of Bank Maspion and the Community
• Webinar: Peran Taksonomi dalam Mendorong • Webinar: The Role of Taxonomy in Driving Energy
Transisi Energi Transition
• Coaching Clinic Implementasi Taksonomi untuk • Coaching Clinic Implementation of Taxonomy for
Keuangan Berkelanjutan Sustainable Finance
• Webinar: How to Prevent Greenwashing in • Webinar: How to Prevent Greenwashing in
Sustainable Finance Sustainable Finance
3. Manajemen Risiko dan Tata Kelola Perbankan 3. Risk Management and Banking Governance
• Focus Group Discussion tentang Market Conduct • Focus Group Discussion on the Banking Sector
Index Sektor Perbankan Market Conduct Index
• Webinar Strategi Implementasi Market Conduct • Market Conduct Implementation Strategy Webinar
• Capacity Development Perhitungan Emisi Gas • Capacity Development Scope 1 and 2 Greenhouse
Rumah Kaca Lingkup 1 dan 2 Gas Emissions Calculations
• Webinar Understanding the Climate Landscape • Understanding the Climate Landscape for Financial
for Financial Institutions Institutions Webinar
4. Anti Pencucian Uang dan Pencegahan Pendanaan 4. Anti-Money Laundering and Prevention of Terrorism
Terorisme (APU PPT) Financing (AML PPT)
• Program Mentoring TPPU dan TPPT • ML and TPPT Mentoring Programme
• Sosialisasi Fungsi PIC APU PPT di Kantor Cabang • ML/TF PIC Function Socialization at Branch Offices
• Refreshment APU PPT: Green Financial Crime • AML PPT Refreshment: Green Financial Crime
• Webinar: How to Prevent Money Laundering and • Webinar: How to Prevent Money Laundering and
Terrorism Financing Terrorism Financing
5. Keamanan Siber dan Teknologi Keuangan 5. Cybersecurity and Financial Technology
• Webinar: Strategi Mencegah Serangan Siber • Webinar: Strategies to Prevent Cyber Attacks
• Sosialisasi Perlindungan Data Pribadi dalam Era • Socialization of Personal Data Protection in the
Digital Digital Era
• Cyber Security Awareness Intensive • Cyber Security Awareness Intensive
• Sosialisasi Enhancing Fraud Detection Systems in • Socialization of Enhancing Fraud Detection Systems
Payment System in Payment Systems
6. Stabilitas Sistem Keuangan dan Makroprudensial 6. Financial System Stability and Macroprudential
• Focus Group Discussion Stabilitas Sistem Keuangan • Focus Group Discussion Financial System Stability
• Permintaan Tanggapan RPOJK LCR dan NSFR • Request for Response to OJK Regulation on LCR
and NSFR
•Webinar Peluang Pertumbuhan Kredit Pasca • Webinar on Post-Restructuring Credit Growth
Restrukturisasi Opportunities
7. Inovasi dan Transformasi Digital di Sektor Keuangan 7. Digital Innovation and Transformation in the Financial
Sector
• Webinar Artificial Intelligence Changes the Face • Webinar on Artificial Intelligence Changing the
of the Financial Sector Face of the Financial Sector
• FGD Penerapan AI dalam Resiliensi Digital Perbankan • FGD on the Application of AI in Banking Digital
Resilience
• Sosialisasi Transformasi Digital di Sektor Perbankan • Dissemination of Digital Transformation in the
Banking Sector
Berikut merupakan beberapa kegiatan pelatihan, sosialisasi, The following training, socialization, and seminar activities
dan seminar yang dilaksanakan di sepanjang tahun 2024: were conducted throughout 2024:
1. Pelatihan dan Sosialisasi Regulasi dan Kepatuhan 1. Training and Socialization of Regulations and
Compliance
• Training Anti Pencucian Uang dan Pencegahan • Anti-Money Laundering and Prevention of Terrorism
Pendanaan Terorisme Financing Training
• Sosialisasi Peraturan Otoritas Jasa Keuangan dan • Socialization of Financial Services Authority
peraturan terkait keuangan Regulation and financial-related regulations
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• Sosialisasi Data Protection dan Perlindungan • Socialization of Data Protection and Consumer
Konsumen Protection
• Refreshment tentang Market Conduct dan Kepatuhan • Refreshment on Market Conduct and Compliance
• Workshop terkait tata kelola risiko dan audit • Risk management and audit-related workshops
2. Keuangan dan Perbankan 2. Finance and Banking
• Training Credit Analysis dan Credit Risk Management • Credit Analysis and Credit Risk Management
Training
• Refreshment Treasury Dealer dan Trade Finance • Treasury Dealer and Trade Finance Refreshment
• Workshop Banking Product Expertise (regional • Banking Product Expertise Workshop (Southeast
Southeast Asia) Asia region)
• Seminar dan Webinar terkait investasi, treasury, • Seminars and webinars related to investment,
dan trade sales treasury, and trade sales
• Pelatihan produk keuangan seperti saving account, • Training on financial products such as savings
current account, dan loan accounts, current accounts, and loans
3. Keberlanjutan dan ESG (Environmental, Social, 3. Sustainability and ESG (Environmental, Social,
Governance) Governance)
• Training ESG Communication • ESG Communication Training
• Workshop Sustainability Strategies dan Sustainable • Sustainability Strategies and Sustainable Finance
Finance Framework Framework Workshop
• Webinar terkait mitigasi risiko transisi dan fisik • Webinars related to transition and physical risk
dalam keuangan berkelanjutan mitigation in sustainable finance
• Sosialisasi taksonomi keuangan berkelanjutan • Dissemination of sustainable finance taxonomy
4. Teknologi dan Keamanan Siber 4. Technology and Cybersecurity
• Webinar terkait mitigasi serangan siber dan • Webinars related to cyber attack mitigation and
keamanan data data security
• Sosialisasi penggunaan sistem HRIS dan teknologi • Dissemination of HRIS system use and financial
finansial technology
• Cyber Security Awareness dan Phishing Awareness • Cyber Security Awareness and Phishing Awareness
Training Training
• Sosialisasi Personal Data Protection Law dan Data • Dissemination of Personal Data Protection Law
Subject Rights Management and Data Subject Rights Management
5. Keterampilan Soft Skills dan Pengembangan 5. Soft Skills and Professional Development
Profesional
• Training Self-Branding dan Brand Communication • Self-Branding and Brand Communication Training
• Pelatihan kepemimpinan dan mindset bisnis • Leadership training and business mindset
• Public speaking dan impactful presentation skills • Public speaking and impactful presentation skills
• English Development Program • English Development Program
• Upselling dan cross-selling untuk frontliners • Upselling and cross-selling for frontliners
6. Manajemen Risiko dan Fraud Awareness 6. Risk Management and Fraud Awareness
• Training Fraud Awareness dan Basic Risk Control • Fraud Awareness and Basic Risk Control Training
• Workshop Risk Control Self-Assessment • Risk Control Self-Assessment Workshop
• Ujian dan sertifikasi Manajemen Risiko berbagai • Risk Management exams and certifications at
jenjang various levels
• Sosialisasi tentang penanganan transaksi • Socialization on handling suspicious transactions
mencurigakan
7. Operasional dan Transformasi Bisnis 7. Operations and Business Transformation
• Workshop strategi transformasi cabang dan • Bank branch transformation strategy and operations
operasional bank workshop
• Pelatihan terkait Business Continuity Management • Training related to Business Continuity Management
• Sosialisasi perubahan kebijakan internal dan • Dissemination of internal policy changes and
standardisasi operasional operational standardization
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Memberdayakan Insan Bank Maspion dan Masyarakat
Empowering People of Bank Maspion and the Community
8. Team Building dan Pengembangan Organisasi 8. Team Building and Organizational Development
• Kegiatan team building untuk berbagai divisi dan • Team building activities for various divisions and
cabang branches
• Coaching clinic dan mentoring berbasis risiko • Risk-based coaching clinics and mentoring
• Leadership enhancement untuk banking business • Leadership enhancement for banking business
alignment alignment
Kategori ini mencerminkan fokus perusahaan dalam This category reflects the company's focus on improving
meningkatkan kompetensi karyawan di berbagai bidang employee competencies in various strategic fields, from
strategis, dari kepatuhan regulasi, manajemen risiko, hingga regulatory compliance and risk management to innovation
inovasi dan keberlanjutan dalam industri keuangan. and sustainability in the financial industry.
Sistem Penilaian Kinerja
& Pengembangan Karir [GRI 404-2] [OJK F.18] [OJK F.22]
Performance Assessment System
& Career Development [GRI 404-2] [OJK F.18] [OJK F.22]
Bank Maspion menerapkan sistem penilaian kinerja pegawai Bank Maspion implements a fair and transparent employee
yang adil dan transparan dengan menggunakan pendekatan performance appraisal system using a merit system approach.
merit system. Penilaian ini tidak hanya menjadi acuan bagi This assessment is not only a reference for reward and
pemberian reward and punishment, tetapi juga dasar penting punishment, but also an important basis for employee career
dalam perencanaan karir pegawai melalui proses career planning through the career planning process. The results of
planning. Hasil penilaian kinerja memberikan gambaran yang the performance appraisal provide a clear picture of individual
jelas tentang capaian individu, yang selanjutnya digunakan achievements, which are then used to determine career
untuk menentukan langkah-langkah pengembangan karir development steps that are in accordance with the potential
yang sesuai dengan potensi masing-masing pegawai. of each employee.
Proses penilaian dilakukan oleh atasan langsung, yang The appraisal process is carried out by direct supervisors,
mengevaluasi capaian kinerja berdasarkan target yang telah who evaluate performance achievements based on targets
ditetapkan sebelumnya. Dengan komitmen untuk menciptakan that have been previously set. With a commitment to creating
lingkungan kerja yang berorientasi pada prestasi dan meritokrasi, a merit-oriented and meritocratic work environment, Bank
Bank Maspion memastikan bahwa sistem penilaian ini objektif Maspion ensures that the appraisal system is objective and
dan relevan dengan tujuan organisasi. Penilaian kinerja yang relevant to organizational goals. This results-based performance
berbasis pada hasil ini bertujuan untuk mendorong pegawai appraisal aims to encourage employees to continue to develop
agar terus berkembang dan berkontribusi secara maksimal and contribute maximally to the achievement of the Bank's
terhadap pencapaian tujuan Bank. goals.
Selama tahun 2024, proses penilaian kinerja telah dilaksanakan During 2024, the performance appraisal process was carried
di seluruh jenjang jabatan, baik bagi pegawai pria maupun out at all levels of positions, both for male and female
wanita, di Bank Maspion. Hasil penilaian ini menjadi dasar employees, at Bank Maspion. The results of this assessment
dalam pengembangan karir dan pemberian remunerasi kepada form the basis for career development and remuneration for
pegawai. Sebagai bagian dari upaya pengembangan karir, employees. As part of its career development efforts, the
Bank juga menerapkan metode rotasi dan promosi, yang telah Bank also applies the rotation and promotion method, which
berhasil memberikan peluang bagi pegawai untuk has successfully provided opportunities for employees to
berkembang. grow.
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Tingkat Perputaran
Turnover Rate
Bank Maspion berkomitmen untuk menciptakan lingkungan Bank Maspion is committed to creating a comfortable and
kerja yang nyaman dan kondusif, yang sejalan dengan upaya conducive working environment, which is in line with efforts
untuk menawarkan tingkat remunerasi yang kompetitif guna to offer competitive remuneration levels to minimize employee
meminimalisir tingkat perputaran pegawai. Fokus utama Bank turnover. The Bank's main focus is to create working conditions
adalah menciptakan kondisi kerja yang tidak hanya mendukung that not only support career development, but also enhance
perkembangan karir, tetapi juga meningkatkan kesejahteraan employee welfare. By providing a healthy and supportive
pegawai. Dengan menyediakan lingkungan yang sehat dan environment, the Bank strives to ensure that every employee
mendukung, Bank berusaha memastikan bahwa setiap pegawai feels valued and motivated to reach their full potential.
merasa dihargai dan termotivasi untuk mencapai potensi
terbaik mereka.
Untuk menilai efektivitas kebijakan manajemen sumber daya To assess the effectiveness of its human resource management
manusia, Bank Maspion secara rutin melakukan survei pegawai. policies, Bank Maspion regularly conducts employee surveys.
Survei ini dirancang untuk menggali tingkat kebutuhan, This survey is designed to explore the level of needs, satisfaction,
kepuasan, serta harapan pegawai terkait kebijakan yang and expectations of employees regarding the policies
diterapkan, terutama mengenai remunerasi dan paket benefit. implemented, especially regarding remuneration and benefit
Hasil dari survei ini menjadi bahan pertimbangan penting bagi packages. The results of this survey become an important
Bank dalam menyesuaikan kebijakan dan merespons perubahan consideration for the Bank in adjusting policies and responding
yang diperlukan guna meningkatkan kesejahteraan pegawai. to changes needed to improve employee welfare.
Pada tahun 2024, Bank Maspion memantau tingkat perputaran In 2024, Bank Maspion monitored employee turnover rate
karyawan sebagai indikator utama untuk mengukur kesejahteraan as a key indicator to measure employee welfare and satisfaction.
dan kepuasan pegawai. Data perputaran karyawan yang The employee turnover data collected provides a comprehensive
dihimpun memberikan gambaran yang komprehensif mengenai picture of workforce dynamics, which is then used as a basis
dinamika tenaga kerja, yang kemudian dijadikan dasar evaluasi for evaluation for policy improvements in human resource
untuk perbaikan kebijakan dalam manajemen sumber daya management. Through this information, the Bank can take
manusia. Melalui informasi ini, Bank dapat melakukan langkah- strategic steps to improve working conditions and continue
langkah strategis untuk meningkatkan kondisi kerja dan terus to provide added value to all team members, strengthening
memberikan nilai tambah bagi seluruh anggota tim, memperkuat the Bank's commitment to employee development and
komitmen Bank terhadap perkembangan dan kepuasan pegawai. satisfaction.
Bulan
Jan Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec
Month
Anggota Baru 16 21 13 28 21 32 28 34 34 13 25 7
New Joiner
Leaving 3 5 13 13 12 15 20 14 13 21 22 11
Turnover (%)
[S-03]
Uraian
2024
Description
Jumlah Pegawai yang Resign/Pemutusan Hubungan Kerja 162 orang/employees 18,4% [turnover rate]
Number of Employees who Resign / Termination of Employment
Jumlah Pegawai Baru/Pengganti 272 orang/employees 29,06% [dari total pegawai]
Number of New Employees/Replacements
Pada akhir tahun 2024, tingkat perputaran karyawan tercatat At the end of 2024, the employee turnover rate was 18.4%.
sebesar 18,4% . Hal ini menunjukkan tingkat perputaran This figure indicates that the Bank’s employee turnover rate
karyawan Bank masih dalam batas yang wajar dan tidak is within reasonable limits and has no significant impact on
berdampak signifikan terhadap kinerja Bank [GRI 401-1]. the Bank’s performance [GRI 401-1].
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Memberdayakan Insan Bank Maspion dan Masyarakat
Empowering People of Bank Maspion and the Community
Kesejahteraan Pegawai
Employee Welfare
Kesejahteraan pegawai merupakan hal yang sangat diperhatikan The Bank pays close attention to employee welfare by fulfilling
oleh Bank dengan memenuhi kewajiban pemberian Upah the obligation to provide Regional Minimum Wage/Provincial
Minimum Regional/Upah Minimum Provinsi berdasarkan Minimum Wage based on the applicable regulations and
peraturan yang berlaku dan menyediakan program kesejahteraan providing other welfare programs in addition to the basic
lainnya disamping gaji pokok seperti tunjangan tetap seperti salary, such as fixed allowances such as position allowances,
tunjangan jabatan, tunjangan makan, tunjangan transport, meal allowances, transport allowances, attendance allowances
tunjangan kehadiran dan tunjangan pulsa [GRI 401-2]. and communication allowance [GRI 401-2].
Berikut tabel kesejahteraan pegawai berdasarkan level jabatan: The following is a table of employee welfare based on position
level:
Tunjangan Tunjangan Tunjangan Tunjangan
Tunjangan Pulsa
Level Jabatan Relokasi Transport Kehadiran
Communication
Levels Position Relocation Transportation Attendance
Allowance
Allowance Allowance Allowance Allowance
Senior Management √ √ √ √ √
Middle Management √ √ √ √ √
Junior Management - √ - √ -
Staff - √ - √ -
RASIO UPAH DASAR [GRI 2-21, 202-1, 405-2] RATIO OF BASIC WAGES [GRI 2-21, 202-
[OJK F20] 1, 405-2] [OJK F20]
Bank Maspion berkomitmen untuk memberikan imbalan kerja Bank Maspion is committed to providing employee benefits
yang sesuai dengan regulasi yang berlaku di Indonesia, seperti in accordance with applicable regulations in Indonesia, such
Undang-Undang Ketenagakerjaan, Undang-Undang No. 11 as the Manpower Law, Law No. 11 of 2020 concerning Job
Tahun 2020 tentang Cipta Kerja, dan Peraturan Pemerintah Creation, and Government Regulation No. 36 of 2021 concerning
No. 36 Tahun 2021 tentang Kebijakan Pengupahan. Dalam Wage Policy. In implementing the wage system, the Bank
penerapan sistem pengupahan, Bank memastikan bahwa ensures that there is no discrimination, by providing equal
tidak ada diskriminasi, dengan memberikan perlakuan yang treatment to every employee, regardless of background or
sama kepada setiap pegawai, tanpa memandang latar belakang position. This reflects the Bank's commitment to maintaining
atau jabatan. Hal ini mencerminkan komitmen Bank untuk fairness and transparency in remuneration management.
menjaga keadilan dan transparansi dalam pengelolaan
remunerasi.
Dalam rangka memenuhi standar kehidupan yang layak bagi In order to fulfill a decent standard of living for employees,
pegawai, Bank menetapkan upah minimum yang disesuaikan the Bank sets a minimum wage that is adjusted to basic needs,
dengan kebutuhan pokok, tingkat inflasi, dan kondisi ekonomi the inflation rate, and economic conditions in each province
di masing-masing provinsi tempat Bank beroperasi. Bank where the Bank operates. The Bank ensures that the minimum
memastikan bahwa upah minimum yang diberikan kepada wage given to employees remains at the lowest level equivalent
pegawai tetap level terendah setara dengan Upah Minimum to the prevailing Regional Minimum Wage. With this approach,
Regional yang berlaku. Dengan pendekatan ini, Bank berupaya the Bank strives to not only comply with applicable legal
untuk tidak hanya memenuhi ketentuan hukum yang berlaku, requirements, but also ensure the welfare of employees and
tetapi juga memastikan kesejahteraan pegawai dan menciptakan create a fair working environment that supports productivity.
lingkungan kerja yang adil dan mendukung produktivitas.
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Wilayah Operasional Besaran Gaji Dasar Karyawan Rasio Karyawan yang
Besar UMP Provinsi/
Operational Region Gol. Terendah Sebagai menerima UMK
Kabupaten (Rp)
Karyawan Baru (Rp) Ratio of Employees
Provinsi Kota (*) Provincial/Regency
The Lowest Basic Salary for receiving the Provincial
Province City (*) Minimum Wage (Rp)
New Employees (Rp) Minimum Wage
Jawa Timur Surabaya 4,725,479 4,800,000 0%
Jawa Tengah Solo 2,269,070 2,500,000 0%
Jawa Barat Bandung 4,209,309 4,500,000 0%
DKI Jakarta Jakarta 5,067,381 5,067,400 0%
Sumatra Utara Medan 3,769,082 4,000,000 0%
Sumatra Selatan Palembang 3,677,592 4,187,000 0%
Bali Denpasar 3,096,823 3,100,000 0%
Sulawesi Selatan Makasar 3,643,321 3,885,400 0%
(*) Representasi kota yang dipilih pada provinsi terkait
Selected representative city in the respective province
Bank memberikan perlakuan yang sama kepada seluruh The Bank provides equal treatment to all employees by
pegawai dengan memberlakukan sistem remunerasi implementing a remuneration system based on position and
berdasarkan jabatan dan penilaian kinerja tanpa membedakan performance assessment regardless of gender, both female
gender baik pegawai perempuan dan laki-laki pada jabatan and male employees in the same position and grade.
dan grade yang sama.
KESEHATAN DAN KESELAMATAN OCCUPATIONAL HEALTH AND
KERJA [OJK F.21] [GRI 403-1, 403-2, 403-3, 403-4, SAFETY [OJK F.21][GRI 403-1, 403-2, 403-3, 403-4,
403-5, 403-6, 403-8, 403-9, 403-10] 403-5, 403-6, 403-8, 403-9, 403-10]
Bank Maspion berkomitmen untuk menjamin hak pegawai Bank Maspion is committed to guaranteeing employees' rights
terkait Kesehatan dan Keselamatan Kerja (K3) dengan secara regarding Occupational Health and Safety (OHS) by expressly
tegas mencantumkan klausul mengenai K3 dalam Peraturan including clauses regarding OHS in the Company Regulations.
Perusahaan. Bank memastikan bahwa setiap pegawai memiliki The Bank ensures that every employee has access to a safe
akses ke lingkungan kerja yang aman, di mana kesehatan working environment, where their health and safety is a top
dan keselamatan mereka menjadi prioritas utama. Untuk priority. To achieve this goal, the Bank regularly conducts
mencapai tujuan tersebut, Bank secara rutin melaksanakan OHS training programs, and ensures that facilities and
program pelatihan K3, serta memastikan fasilitas dan prosedur procedures meet strict safety standards to prevent accidents
yang ada memenuhi standar keselamatan yang ketat, guna from occurring.
mencegah terjadinya kecelakaan kerja.
Sebagai bagian dari komitmen terhadap lingkungan kerja As part of its commitment to an accident-free work environment,
yang bebas dari kecelakaan, Bank mengedepankan prinsip the Bank promotes the principle of “zero accident” in every
"zero accident" dalam setiap aspek operasionalnya. Hal ini aspect of its operations. This not only reflects the Bank's
tidak hanya mencerminkan tanggung jawab Bank terhadap responsibility for employee welfare, but also serves to create
kesejahteraan pegawai, tetapi juga berfungsi untuk menciptakan a conducive and productive work environment. The Bank
suasana kerja yang kondusif dan produktif. Bank terus continuously evaluates and improves its OHS procedures,
melakukan evaluasi dan perbaikan terhadap prosedur K3, and involves employees in every safety initiative aimed at
serta melibatkan pegawai dalam setiap inisiatif keselamatan maintaining their health and safety in the workplace. By 2024,
yang bertujuan menjaga kesehatan dan keamanan mereka no workplace accidents will occur.
di tempat kerja. Pada tahun 2024, tidak terdapat kecelakaan
kerja yang terjadi.
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Memberdayakan Insan Bank Maspion dan Masyarakat
Empowering People of Bank Maspion and the Community
Bank telah memiliki kebijakan Kesehatan dan Keselamatan The Bank already has an Occupational Health and Safety
Kerja yang dapat diunduh oleh seluruh karyawan BMAS yang policy that can be downloaded by all BMAS employees in
terdapat di dalam kanal komunikasi internal, Insight Notes. the internal communication channel, Insight Notes. [S-11]
[S-11]
[S-06]
Uraian
2024 2023 2022
Description
Frekuensi kecelakaan kerja dari total pegawai 0 kecelakaan/ 0 kecelakaan/ 0 kecelakaan/
Frequency of occupational accident from total employee accidents accidents accidents
Persentase kecelakaan kerja serius yang berakibat cedera 0% 0% 0%
serius dan fatal dari total pegawai
Percentage of serious work accidents resulting in serious and
fatal injuries out of total employees
CUTI MELAHIRKAN [GRI 401-3] MATERNITY LEAVE [GRI 401-3]
Bank Maspion memberikan hak cuti melahirkan bagi pegawai Bank Maspion provides maternity leave for female employees
perempuan dan hak cuti bagi pegawai pria yang istrinya and leave for male employees whose wives give birth, in
melahirkan, sesuai dengan ketentuan yang tercantum dalam accordance with the provisions contained in the Bank's
Peraturan Perusahaan dan Kebijakan Kepegawaian Bank. Company Regulations and Personnel Policies. This maternity
Cuti melahirkan ini merupakan bagian dari komitmen Bank leave is part of the Bank's commitment to support the welfare
untuk mendukung kesejahteraan keluarga pegawai serta of employees' families and ensure a balance between work
memastikan keseimbangan antara pekerjaan dan kehidupan and personal life. The Bank ensures that this leave is granted
pribadi. Bank memastikan bahwa hak cuti ini diberikan dengan in full respect of applicable regulations and aims to safeguard
penuh penghormatan terhadap peraturan yang berlaku dan the welfare of employees during this important moment.
bertujuan untuk menjaga kesejahteraan pegawai dalam momen
penting tersebut.
Pada tahun 2024, sejumlah pegawai perempuan yang In 2024, a total of 18 female employees took maternity leave,
mengambil cuti melahirkan tercatat sebanyak 18 orang, while 10 male employees took leave because their wives
sementara pegawai pria yang mengambil cuti karena istrinya gave birth. After the leave period, all female employees who
melahirkan berjumlah 10 orang. Setelah periode cuti, semua took maternity leave returned to work, with 100% of the total
pegawai perempuan yang mengambil cuti melahirkan kembali number who took leave. Similarly, all male employees who
bekerja, dengan jumlah 100% dari total yang mengambil cuti. took the leave have also returned to work after completing
Begitu pula dengan pegawai pria yang mengambil cuti tersebut, their leave, demonstrating the commitment of both parties to
semuanya juga telah kembali bekerja setelah menyelesaikan continue performing their professional duties after the leave
cuti mereka, menunjukkan komitmen kedua belah pihak untuk period [GRI 401-3].
tetap melaksanakan tugas profesional mereka setelah masa
cuti [GRI 401-3].
Keamanan & Dampak Produk [OJK F.28] [OJK F.29] [GRI 416-1, 416-2]
Product Safety & Impact [OJK F.28] [OJK F.29] [GRI 416-1, 416-2]
Bank Maspion memastikan bahwa setiap produk dan layanan Bank Maspion ensures that every product and service released
yang dirilis telah melalui berbagai uji operasional, teknologi, undergoes rigorous operational, technological, compliance
kepatuhan, dan risiko yang ketat, serta mendapatkan persetujuan and risk tests, and is approved by the Board of Directors and
dari Direksi dan regulator yang berwenang. Proses ini juga authorized regulators. This process is also applied to any
diterapkan pada setiap produk atau aktivitas baru yang planned new product or activity, which must go through a
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450 Laporan Tahunan Terintegrasi 2024
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direncanakan, yang wajib melalui seluruh rangkaian evaluasi whole series of evaluations that include due diligence and
yang mencakup uji kelayakan dan penilaian risiko. Hal ini risk assessment. This is done to ensure that each product
dilakukan untuk memastikan bahwa setiap produk yang launched not only meets operational and compliance standards,
diluncurkan tidak hanya memenuhi standar operasional dan but also poses low risk to the Bank and customers.
kepatuhan, tetapi juga berisiko rendah bagi Bank dan pelanggan.
Evaluasi terhadap produk perbankan, seperti tabungan, giro, Evaluation of banking products, such as savings, current
dan deposito, dilaksanakan dengan cermat dan mencakup accounts and deposits, is carried out carefully and covers
berbagai aspek, mulai dari deskripsi produk dan pelayanan various aspects, ranging from product and service descriptions
hingga kepatuhan terhadap ketentuan dan kebijakan yang to compliance with applicable regulations and policies. In
berlaku. Selain itu, tinjauan risiko yang meliputi aspek addition, a risk review covering its safety aspects for customers
keamanannya bagi pelanggan juga menjadi bagian penting is also an important part of the evaluation process. Based on
dalam proses evaluasi. Berdasarkan Peraturan Otoritas Jasa Financial Services Authority Regulation Number 13/
Keuangan Nomor 13/POJK.03/2021 tentang penyelenggaraan POJK.03/2021 on the implementation of Commercial Bank
produk Bank Umum, Bank Maspion juga secara rutin melakukan products, Bank Maspion also regularly conducts risk reviews
peninjauan risiko terhadap produk dan aktivitas baru yang of planned new products and activities, assessing the types
direncanakan, menilai jenis risiko yang mungkin timbul sebelum of risks that may arise before the product is launched.
produk tersebut diluncurkan.
Hingga tahun 2024, Bank Maspion belum meluncurkan produk Until 2024, Bank Maspion has not launched any new products
atau layanan baru yang mendukung penerapan keuangan or services that support the implementation of sustainable
berkelanjutan, sehingga Bank belum dapat mengungkapkan finance, so the Bank is unable to disclose any positive or
dampak positif atau negatif serta strategi mitigasi untuk hal negative impacts and mitigation strategies for this. Nonetheless,
tersebut. Meskipun demikian, Bank menyadari pentingnya the Bank recognizes the importance of sustainable finance
inisiatif keuangan berkelanjutan dalam mendukung tujuan initiatives in supporting sustainable development goals (SDGs)
pembangunan berkelanjutan (SDGs) dan kontribusinya untuk and its contribution to building a better life for future generations.
membangun kehidupan yang lebih baik bagi generasi The Bank also recognizes the potential to increase its
mendatang. Bank juga mengakui potensi untuk meningkatkan Environmental, Social and Governance (ESG) focused loan
portofolio kredit yang berfokus pada Lingkungan, Sosial, dan portfolio, which can have a positive impact on environmental
Tata Kelola (LST), yang dapat memberikan dampak positif preservation and community welfare. In this endeavor, the
bagi pelestarian lingkungan dan kesejahteraan masyarakat. Bank maintains strict credit procedures and ensures that each
Dalam upaya ini, Bank tetap menjaga penerapan prosedur product, including ESG-focused loans, undergoes thorough
kredit yang ketat, serta memastikan bahwa setiap produk, risk management to minimize any negative impact on the
termasuk kredit berwawasan LST, melalui manajemen risiko Bank's performance.
yang menyeluruh untuk meminimalkan dampak negatif terhadap
kinerja Bank.
Komitmen Untuk Memberikan
Layanan atas Produk dan/atau Jasa
yang Setara kepada Konsumen [OJK F.17] [OJK F.27] [OJK F29]
Commitment to Providing Equivalent
Products and/or Services to Consumers [OJK F.17] [OJK F.27] [OJK F29]
Bank Maspion berkomitmen untuk mengembangkan produk Bank Maspion is committed to developing products that meet
yang dapat memenuhi kebutuhan berbagai segmen konsumen. the needs of various consumer segments. In order to ensure
Dalam rangka menjamin kualitas dan mutu produk yang the quality and quality of the products offered, the Bank
ditawarkan, Bank senantiasa membuka saluran bagi saran always opens channels for feedback from customers to
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Memberdayakan Insan Bank Maspion dan Masyarakat
Empowering People of Bank Maspion and the Community
dan masukan dari pelanggan guna meningkatkan layanan. improve services. The Bank also always prioritizes quick
Bank juga selalu mengutamakan respon cepat terhadap response to customer complaints in accordance with established
keluhan pelanggan sesuai dengan pedoman layanan yang service guidelines. In addition, to ensure the accuracy of
telah ditetapkan. Selain itu, untuk memastikan keakuratan information, every product offered is accompanied by clear
informasi, setiap produk yang ditawarkan disertai dengan and precise information, so that customers can make informed
informasi yang jelas dan tepat, agar pelanggan dapat membuat and appropriate decisions.
keputusan yang informasional dan tepat.
Selain fokus pada pengembangan produk, Bank Maspion In addition to focusing on product development, Bank Maspion
secara berkala melaksanakan kegiatan literasi keuangan dan regularly carries out financial literacy and financial inclusion
inklusi keuangan untuk meningkatkan pemahaman masyarakat, activities to increase the understanding of the public, both
baik calon nasabah maupun nasabah yang sudah ada, mengenai prospective and existing customers, about the products and
produk dan jasa yang ditawarkan. Program ini bertujuan agar services offered. This program aims to enable customers to
nasabah dapat memilih produk yang sesuai dengan kebutuhan choose products that suit their needs and understand the
mereka serta memahami profil risiko yang terkait dengan risk profile associated with the chosen product or service.
produk atau jasa yang dipilih. Dengan pendekatan ini, Bank With this approach, Bank Maspion hopes to help customers
Maspion berharap dapat membantu nasabah membuat make smarter financial decisions in line with their financial
keputusan keuangan yang lebih cerdas dan sesuai dengan goals.
tujuan finansial mereka.
Penegakan Hak Asasi Manusia (HAM) [S-07, 08, 09, 10] [GRI 410-1, 411-1]
Human Rights Enforcement (HAM) [S-07, 08, 09, 10] [GRI 410-1, 411-1]
Bank Maspion memiliki kebijakan yang jelas mengenai Hak Bank Maspion has a clear policy on human rights and is
Asasi Manusia (HAM) dan berkomitmen untuk menegakkannya committed to upholding it in every aspect of its operations.
dalam setiap aspek operasionalnya. Bank senantiasa berupaya The Bank strives to ensure that the basic rights of every
untuk memastikan bahwa hak-hak dasar setiap individu, baik individual, both employees and customers, are respected
pegawai maupun nasabah, dihormati dan dilindungi. Di tahun and protected. In 2024, Bank Maspion is proud to report that
2024, Bank Maspion dengan bangga melaporkan bahwa tidak no human rights violations occurred, reflecting a strong
terdapat pelanggaran HAM yang terjadi, mencerminkan commitment to integrity and social responsibility in banking
komitmen yang kuat terhadap integritas dan tanggung jawab operations.
sosial dalam menjalankan operasional perbankan.
TIDAK ADANYA PELECEHAN ABSENCE OF SEXUAL HARRASMENT
SEKSUAL DAN DISKRIMINASI [GRI 406-1] AND DISCRIMINATION [GRI 406-1]
Sebagai bagian dari upaya penegakan HAM, Bank Maspion As part of its human rights enforcement efforts, Bank Maspion
juga memiliki kebijakan yang ketat terkait pelecehan seksual also has strict policies regarding sexual harassment and/or
dan/atau non-diskriminasi di tempat kerja. Kebijakan ini non-discrimination in the workplace. This policy aims to create
bertujuan untuk menciptakan lingkungan yang aman, adil, a safe, fair and inclusive environment for all employees
dan inklusif bagi seluruh pegawai tanpa memandang jenis regardless of gender, race, religion or other backgrounds. By
kelamin, ras, agama, atau latar belakang lainnya. Pada tahun 2024, Bank Maspion firmly reports that no cases of sexual
2024, Bank Maspion dengan tegas melaporkan bahwa tidak harassment or discrimination have occurred, reflecting a work
terjadi kasus pelecehan seksual atau diskriminasi, mencerminkan environment that is respectful and free from any form of
lingkungan kerja yang saling menghargai dan bebas dari violence or injustice.
segala bentuk kekerasan atau ketidakadilan.
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TIDAK ADANYA TENAGA KERJA ABSENCE OF CHILD LABOUR AND
ANAK DAN KARYAWAN PAKSA [OJK FORCED EMPLOYEES [OJK F19] [GRI 408-1]
F19] [GRI 408-1] [GRI 409-1] [GRI 409-1]
Bank Maspion memastikan bahwa seluruh karyawan yang Bank Maspion ensures that all employees who join the
bergabung dengan perusahaan memenuhi batas usia minimal company meet the minimum age limit in accordance with
yang sesuai dengan ketentuan perundang-undangan yang applicable laws and regulations. This aims to protect children
berlaku. Hal ini bertujuan untuk melindungi anak-anak dari from exploitation in the world of work and ensure that no
eksploitasi dalam dunia kerja dan memastikan bahwa tidak employees are underage. In addition, the Bank strictly
ada karyawan yang berada di bawah umur. Selain itu, Bank implements a policy to prohibit the practice of forced labor,
dengan tegas menerapkan kebijakan untuk melarang praktik which prohibits any form of work that is forced on employees,
kerja paksa, yakni melarang setiap bentuk pekerjaan yang whether through physical coercion, threats of punishment, or
dipaksakan kepada karyawan, baik melalui paksaan fisik, other pressures that violate individual freedom of will.
ancaman hukuman, atau tekanan lainnya yang melanggar
kebebasan berkehendak individu.
Bank Maspion berkomitmen untuk mematuhi seluruh regulasi Bank Maspion is committed to complying with all applicable
ketenagakerjaan yang berlaku, termasuk yang tercantum labor regulations, including those contained in the Law of the
dalam Undang-Undang Republik Indonesia No. 13 Tahun 2003 Republic of Indonesia No. 13 Year 2003 on Manpower, as
tentang Ketenagakerjaan, serta konvensi-konvensi internasional well as relevant international conventions, such as ILO
yang relevan, seperti Konvensi ILO No. 138/1973 tentang Batas Convention No. 138/1973 on the Minimum Age for Employment
Usia Minimum untuk Bekerja dan Konvensi ILO No. 182/1999 and ILO Convention No. 182/1999 on the Elimination of the
tentang Penghapusan Bentuk-bentuk Pekerjaan Terburuk Worst Forms of Child Labor. The Bank also adheres to ILO
untuk Anak. Bank juga berpegang teguh pada Konvensi ILO Conventions No. 29/1930 and No. 105/1957 regarding the
No. 29/1930 dan No. 105/1957 terkait penghapusan kerja elimination of forced labor. This commitment is reflected in
paksa. Komitmen ini tercermin dalam kenyataan bahwa tidak the fact that there have been no incidents related to child
terdapat insiden terkait pekerja anak atau kerja paksa di labor or forced labor within Bank Maspion, which reflects the
lingkungan Bank Maspion, yang mencerminkan upaya nyata Bank's real efforts in implementing the principles of fairness
Bank dalam menjalankan prinsip keadilan dan etika kerja yang and work ethics in accordance with international standards.
sesuai dengan standar internasional.
Dampak Operasi
Terhadap Masyarakat Sekitar [OJK F.23] [GRI 413-1] [GRI 413-2]
Operational Impact on
Surrounding Communities [OJK F.23] [GRI 413-1] [GRI 413-2]
Bank Maspion secara aktif terlibat dalam memberikan dampak Bank Maspion is actively involved in making a positive impact
positif bagi masyarakat sekitar melalui berbagai inisiatif sosial on the surrounding community through various social initiatives
yang disesuaikan dengan kebutuhan komunitas lokal. Salah tailored to the needs of local communities. One of them is
satunya adalah melalui sosialisasi yang dilakukan mengenai through the socialization of banking products, including the
produk-produk perbankan, termasuk pengenalan dan edukasi introduction and education of the use of digital technology
penggunaan teknologi digital untuk nasabah, terutama di for customers, especially in small towns. This socialization
kota-kota kecil. Program sosialisasi ini bertujuan untuk program aims to increase financial inclusion by ensuring that
meningkatkan inklusi keuangan dengan memastikan bahwa people, including those living in remote areas, have adequate
masyarakat, termasuk yang tinggal di daerah terpencil, memiliki access to more efficient and secure digital banking services.
akses yang memadai terhadap layanan perbankan digital With more knowledge in the use of technology, people can
yang lebih efisien dan aman. Dengan adanya pengetahuan utilize banking services more optimally, open up new economic
lebih dalam penggunaan teknologi, masyarakat dapat opportunities, and improve their quality of life.
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Memberdayakan Insan Bank Maspion dan Masyarakat
Empowering People of Bank Maspion and the Community
memanfaatkan layanan perbankan dengan lebih optimal,
membuka peluang ekonomi baru, serta meningkatkan kualitas
hidup mereka.
Selain itu, Bank Maspion juga berkomitmen untuk memberikan In addition, Bank Maspion is also committed to making a
kontribusi yang lebih luas dalam bidang pendidikan dan broader contribution to education and health. Through strategic
kesehatan. Melalui program-program strategis, seperti programs, such as donations to foundations in need, the Bank
sumbangan untuk yayasan-yayasan yang membutuhkan, Bank supports efforts to improve social welfare in the surrounding
turut mendukung upaya peningkatan kesejahteraan sosial di environment. The assistance provided is focused on improving
lingkungan sekitar. Bantuan yang diberikan difokuskan pada the capacity and quality of the community's human resources
peningkatan kapasitas dan kualitas sumber daya manusia (HR) through better access to education and adequate health
(SDM) masyarakat melalui akses pendidikan yang lebih baik services. The positive impact of these programs can be seen
dan layanan kesehatan yang memadai. Dampak positif dari in the improvement of people's living standards and welfare,
program-program ini terlihat dalam peningkatan taraf hidup which in turn also contributes to increasing productivity and
dan kesejahteraan masyarakat, yang pada gilirannya juga economic competitiveness in the region.
berkontribusi pada peningkatan produktivitas dan daya saing
ekonomi di kawasan tersebut.
Tanggung Jawab Sosial Perusahaan [OJK F25] [GRI 203-1]
Corporate Social Responsibility [OJK F25] [GRI 203-1]
Bank terus memperkuat komitmennya terhadap tanggung The Bank continues to strengthen its commitment to social
jawab sosial melalui berbagai inisiatif CSR yang didasarkan responsibility through various CSR initiatives based on the
pada prinsip Tujuan Pembangunan Berkelanjutan (SDGs). principles of the Sustainable Development Goals (SDGs).
Program CSR ini mencakup perhatian pada kesejahteraan These CSR programs include attention to employee welfare,
karyawan, dengan memastikan kondisi kerja yang aman dan by ensuring safe and productive working conditions, and
produktif, serta mengutamakan kesehatan dan keselamatan prioritizing occupational health and safety in accordance with
kerja sesuai dengan standar tertinggi. Hal ini sejalan dengan the highest standards. This is in line with the Company's efforts
upaya Perseroan untuk menciptakan lingkungan kerja yang to create a work environment that supports professional
mendukung pengembangan profesional dan kesejahteraan development and employee welfare.
karyawan.
Di sektor sosial dan kemasyarakatan, Bank melaksanakan In the social and community sector, the Bank carries out
berbagai kegiatan yang dirancang untuk meningkatkan various activities designed to improve the welfare of the
kesejahteraan masyarakat sekitar. Program ini mencakup surrounding community. These programs include education,
inisiatif pendidikan, kesehatan, dan pengembangan komunitas health, and community development initiatives aimed at
yang bertujuan menciptakan dampak sosial yang berkelanjutan. creating sustainable social impact. In addition, the Bank also
Selain itu, Bank juga menunjukkan kepeduliannya terhadap demonstrates its concern for environmental sustainability
kelestarian lingkungan melalui partisipasi dalam program- through participation in environmental protection programs
program perlindungan lingkungan dan pengelolaan sumber and responsible management of natural resources.
daya alam yang bertanggung jawab.
Melalui penerapan program CSR yang terintegrasi dengan Through the implementation of CSR programs that are
nilai-nilai tata kelola yang baik, Bank tidak hanya memenuhi integrated with good governance values, the Bank not only
tanggung jawab sosialnya, tetapi juga berperan aktif sebagai fulfills its social responsibilities, but also plays an active role
mitra dalam pembangunan sosial dan ekonomi. Komitmen ini as a partner in social and economic development. This
mencerminkan dedikasi Bank untuk memberikan dampak commitment reflects the Bank's dedication to make a significant
positif yang signifikan bagi pemangku kepentingan sekaligus positive impact on stakeholders while supporting the realization
mendukung terwujudnya visi pembangunan berkelanjutan. of the vision of sustainable development.
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Tanggung jawab sosial dan lingkungan yang dilakukan oleh The social and environmental responsibilities carried out by
Bank pada tahun 2024 mencakup bidang praktik us 2024 include employment practices, occupational health
ketenagakerjaan, kesehatan dan keselamatan kerja, sosial and safety, social and community, environment, and
dan kemasyarakatan, lingkungan hidup, serta tanggung jawab responsibility to customer.
kepada nasabah.
BIDANG PRAKTIK EMPLOYMENT PRACTICES,
KETENAGAKERJAAN, KESEHATAN OCCUPATIONAL HEALTH AND
DAN KESELAMATAN KERJA SAFETY
Serangkaian program dan kegiatan di bidang praktik A series of programs and activities in the field of employment
ketenagakerjaan, kesehatan dan keselamatan kerja yang practices, occupational health and safety implemented
dilaksanakan di sepanjang tahun 2024 adalah sebagai berikut: throughout 2024 are as follows:
1. Program Pendidikan dan Pelatihan 1. Education and Training Program
Salah satu komponen utama pengembangan sumber daya One of the key components of human resources development
manusia di sektor perbankan adalah program pelatihan in the banking sector is ongoing training and development
dan pengembangan yang berkelanjutan bagi karyawan. programs for employees. These programs are essential
Program-program tersebut sangat penting untuk mengikuti for keeping up with the latest industry trends, regulations,
perkembangan tren industri, peraturan dan kemajuan and technological advancements. By investing in the
teknologi. Dengan berinvestasi pada pembelajaran dan continuous learning and development of the employees,
pengembangan karyawan secara berkesinambungan, the Bank can ensure that its employees are equipped
Bank dapat memastikan bahwa karyawannya memiliki with the necessary skills to provide excellent customer
keterampilan yang dibutuhkan untuk memberikan layanan service, make informed financial decisions, and adapt to
nasabah yang prima, membuat keputusan keuangan yang the changing landscape of the banking industry.
tepat, dan beradaptasi dengan perubahan lanskap industri Furthermore, fostering a culture of continuous learning
perbankan. Selain itu, menumbuhkan budaya pembelajaran and development can also help the Bank to attract and
dan pengembangan yang berkesinambungan juga dapat retain top talent in the competitive banking sector.
membantu Bank untuk mempertahankan karyawan terbaik
di sektor perbankan yang kompetitif.
Setiap karyawan memiliki kesempatan yang sama untuk Every employee has the same opportunity to take part in
mengikuti program pendidikan dan pelatihan. Dalam education and training programs. In its implementation,
pelaksanaannya, keikutsertaan dalam program pendidikan participation in this education and training program is adjusted
dan pelatihan ini disesuaikan dengan kebutuhan dan rencana to the Bank's needs and development plans. Throughout
pengembangan Bank. Sepanjang tahun 2024, Bank telah 2024, the Bank has conducted 366 seminar and training
melakukan 366 topik seminar dan pelatihan yang dilakukan topics, which were carried out both offline and online.
baik secara luring maupun secara daring (online learning).
[S-05]
Keterangan Kategori Pria Wanita
Description Categories Male Female
Jam Pelatihan Rata-Rata per Karyawan tahun 2024 Dewan Komisaris | Board of Commissioners 24 19
Average Training Hours per Employee in 2024
Dewan Direksi | Board of Directors 47.5 44.8
Pejabat Eksekutif | Executive Officer 66.53 71.24
Jabatan Selain Dewan Komisaris, Dewan Direksi, dan 36.32 46.29
Pejabat Eksekutif
Positions Other Than Board of Commissioners, Board of
Directors, and Executive Officers
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Memberdayakan Insan Bank Maspion dan Masyarakat
Empowering People of Bank Maspion and the Community
Uraian
2024
Description
Rata-rata jam pelatihan per pegawai 52 jam/pegawai
Average training hours per employee 52 hours/employee
Jumlah pegawai yang ikut serta dalam program pelatihan 937 orang/employees
Total employee participated in training program
Persentase jumlah pegawai yang ikut serta dalam pelatihan 99% orang/employees*
Percentage of employees participated in training programs
*sisa 1% adalah karyawan yang baru bergabung di November-Desember 2024
*The remaining 1% are employees who just joined in November-December 2024
2. Kesetaraan Gender dan Kesempatan Kerja 2. Gender Equality and Employment Opportunities
Bank Maspion menyadari pentingnya mempromosikan Bank Maspion recognises the importance of promoting
kesetaraan gender dan menerapkan non-diskriminasi gender equality and implementing non-discrimination in
dalam perekrutan dan promosi. Dengan komitmen yang recruitment and promotion. With a firm commitment to
kuat terhadap keberagaman dan inklusi, Bank Maspion diversity and inclusion, Bank Maspion has implemented
telah menerapkan kebijakan dan praktik-praktik untuk policies and practices to ensure equal opportunities for
memastikan kesempatan yang sama bagi semua individu, all individuals, regardless of gender, ethnicity, religion,
tanpa memandang jenis kelamin, suku, agama, ras, golongan race, political class and social level. The Bank actively
politik, dan tingkatan sosial. Bank secara aktif berupaya seeks to diversify its workforce and leadership positions,
untuk melakukan diversifikasi tenaga kerja dan posisi aiming for a balanced representation of men and women
kepemimpinan, dengan tujuan untuk memastikan adanya at all levels of the organization.
representasi yang seimbang antara laki-laki dan perempuan
di semua tingkat organisasi.
Per Desember 2024, Bank memiliki 500 karyawan laki-laki As of December 2024, the Bank has 500 male employees
dan 441 karyawan perempuan yang tersebar di seluruh and 441 female employees spread throughout the Bank’s
wilayah operasional Bank di Indonesia. Prinsip kesetaraan operational areas in Indonesia. The principle of gender
gender juga dijunjung oleh Bank sebagaimana terlihat equality is also upheld by the Bank, as can be seen from
dari susunan Direksi Bank yang terdiri tiga (3) orang wanita the composition of the Bank’s Board of Directors, which
dan 1 orang dalam susunan Dewan Komisaris. consists of three (3) women and one (1) Person in the Board
of Commissioners’ composition.
[S-01]
Tahun 2024 Year 2024
Keterangan Kategori Pria Wanita
Description Categories Male Female
Jumlah Karyawan berdasarkan Jenjang Dewan Komisaris | Board of Commissioners 4 1
Jabatan
Dewan Direksi | Board of Directors 2 3
Number of Employees by Level of
Position Pejabat Eksekutif | Executive Officer 38 19
Jabatan Selain Dewan Komisaris, Dewan Direksi, dan Pejabat Eksekutif 460 419
Positions Other Than Board of Commissioners, Board of Directors, and
Executive Officers
Jumlah Karyawan berdasarkan Usia <30 103 140
Number of Employees by Age
30 - 39 216 144
40 - 49 114 104
>=50 71 54
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Keterangan Kategori Pria Wanita
Description Categories Male Female
Jumlah Karyawan berdasarkan Tingkat Pascasarjana 51 22
Pendidikan
Sarjana 395 357
Number of Employees by Education
Level Diploma 15 32
SLTA 37 31
SLTP/SD 6 0
Laki-laki Perempuan
Male Female
Level Jabatan
Position Level Persentase Pegawai Persentase Pegawai
Jumlah Pegawai Jumlah Pegawai
Percentage of Percentage of
Total Employee Total Employee
Employee (%) Employee (%)
Entry-level 311 33,0% 337 35,8%
Mid-level 142 15,0% 84 8,9%
Senior-level 45 5,0% 17 1,8%
Executive-level 2 0,2% 3 0,3%
Total Pegawai 500 53,2% 441 46,8%
Total Employee
[S-02]
Tahun 2024 Year 2024
Level Jabatan
Position Level
Berdasarkan
Umur Entry-level Mid-level Senior-level Executive-level
By Age
Laki-laki Perempuan Laki-laki Perempuan Laki-laki Perempuan Laki-laki Perempuan
Male Female Male Female Male Female Male Female
18-25 28 41 1 0 0 0 0 0
25-35 157 162 62 31 7 0 0 0
35-45 70 73 46 32 26 7 1 0
45-55 46 58 28 20 10 8 1 2
>55 10 3 5 1 2 2 0 1
3. Remunerasi 3. Remuneration
Bank mentaati semua aturan yang berlaku terkait remunerasi, The Bank complies with all applicable regulations regarding
di mana besaran remunerasi seluruh karyawan telah sesuai remuneration, where the amount of remuneration for all
atau berada di atas standar Upah Minimum yang berlaku employees is in accordance with or above the Minimum
di wilayah operasional Bank. Remunerasi yang diberikan Wage standards applicable in the Bank’s operational
Bank kepada karyawan dapat bersifat tetap maupun areas. The remuneration provided by the Bank to employees
variabel, termasuk di antaranya gaji dan tunjangan, asuransi can be fixed or variable, including salary and allowances,
kesehatan, jaminan sosial tenaga kerja, tunjangan hari health insurance, workforce social security, holiday
raya (THR), dan bonus sesuai dengan performa Bank dan allowances (THR), and bonuses according to the
masing-masing karyawan. Standar remunerasi karyawan performance of the Bank and each employee. Employees’
juga disusun secara kompetitif sesuai dengan aturan yang remuneration standards are also arranged competitively
berlaku untuk menarik, mempertahankan, dan memotivasi per applicable regulations to attract, retain and motivate
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Memberdayakan Insan Bank Maspion dan Masyarakat
Empowering People of Bank Maspion and the Community
karyawan dalam bekerja. Bank memberikan remunerasi employees to work. The Bank provides remuneration and
dan tunjangan secara adil sesuai dengan pengalaman, benefits fairly under the experience, responsibility, and
beban tanggung jawab, dan kinerja karyawan secara employees performance objectively.
objektif.
4. Ketenagakerjaan, Kesehatan dan Keselamatan Kerja 4. Employment, Occupational Health and Safety
Bank menyusun ketentuan sehubungan dengan hak dan The Bank formulates regulations regarding the Bank’s
kewajiban Bank dan karyawan dalam bekerja yang and employees’ rights and obligations at work based on
berlandaskan pada peraturan perundang-undangan yang the applicable laws and regulations, the Cooperation
berlaku, Perjanjian Kerja Sama, dan ketentuan internal Agreement, and the Bank’s internal regulations, including
Bank, termasuk ketentuan jam kerja, dan pengambilan regulations on working hours and leave under certain
cuti dalam kondisi tertentu. Dengan adanya ketentuan conditions. With clear regulations, the Bank strives to
yang jelas, Bank berusaha untuk mewujudkan perbankan realize professional, fair, and transparent banking to
yang profesional, adil dan transparan guna memastikan maintain the Bank’s reputation and stakeholder
reputasi Bank dan menjaga harapan pemangku kepentingan. expectations.
Pada tahun 2024, Bank sudah mulai menerapkan Flexible In 2024, the Bank has started implementing Flexible
Working Arrangements untuk Kantor Fungsional Pacific Working Arrangements for the Pacific Century Place (PCP)
Century Place (PCP) di Jakarta, Bank juga mengirimkan Functional Office in Jakarta. The Bank also sent a “Welcome
pesan ”Welcome Onboard” kepada seluruh karyawan Onboard” message to all employees to inform them
untuk menginformasikan terkait karyawan-karyawan baru regarding new employees joining the Bank. This is done
yang bergabung dengan Bank. Hal ini dilakukan agar antar so that employees know each other better and can
karyawan lebih saling mengenal satu sama lain dan dapat collaborate to encourage the Bank’s growth.
berkolaborasi untuk mendorong pertumbuhan Bank.
Selain itu, sebagai wujud kepedulian Bank terhadap In addition, as a form of the Bank’s concern for employees
karyawan dalam bekerja, Bank memberikan kebebasan at work, the Bank provides freedom for all employees to
pada semua karyawan untuk menyampaikan pendapat, express opinions, complaints or aspirations regarding
pengaduan atau aspirasi terkait pekerjaan atau praktik work or employment practices at the Bank. In the event
ketenagakerjaan di Bank. Dalam hal terdapat perbedaan of differences of opinion or complaints, all employees can
pendapat ataupun pengaduan, seluruh karyawan dapat convey their opinions to the Division or HR Committee. If
menyampaikan pendapatnya kepada Divisi atau Komite there is no resolution after deliberation with each superior
SDM. Jika tidak terdapat penyelesaian setelah musyawarah and the HR Committee, then the problem will be conveyed
dengan masing-masing atasan dan Komite SDM, maka to higher management, namely the Board of Directors,
permasalahan akan disampaikan kepada pimpinan yang so that a resolution can be reached.
lebih tinggi yaitu Direksi agar penyelesaian dapat tercapai.
Bank menyediakan fasilitas kerja yang layak dan memadai The Bank provides proper and adequate work facilities
agar dapat membangun lingkungan kerja yang aman, in order to build a safe, comfortable and conducive work
nyaman, dan kondusif bagi karyawan. Bank memastikan environment for employees. The Bank ensures employee
keselamatan karyawan dalam menjalankan kegiatan safety in carrying out banking operational activities by
operasional perbankan dengan melakukan pemeliharaan carrying out regular maintenance of safety facilities and
berkala terhadap sarana dan prasarana keselamatan. infrastructure. During 2024, there were work accidents
Selama tahun 2024, tidak terdapat kecelakaan kerja dalam during the days and hours of the Bank’s operational
hari dan jam kegiatan operasional Bank. activities.
Selain itu, Bank juga mendorong adanya keseimbangan Apart from that, the Bank also encourages employee
kehidupan kerja (work-life balance) karyawan agar dapat work-life balance in order to encourage employee
mendorong produktivitas karyawan dan mendukung productivity and support employee physical and mental
kesehatan fisik dan mental karyawan. Bank memberikan health. The Bank provides health facilities to employees
fasilitas kesehatan kepada karyawan dalam bentuk program in the form of the BPJS (Social Security Administering
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BPJS (Badan Penyelenggara Jaminan Sosial) sebagaimana Agency) program as determined by the government and
ditetapkan oleh pemerintah dan program asuransi swasta private insurance programs to ensure employee welfare.
guna menjamin kesejahteraan karyawan.
5. Tingkat Perputaran Karyawan 5. Employee Turnover Rate
Pada tahun 2024, tingkat perputaran mencapai 18,4%. In 2024, the turnover rate reached 18.4%.
BIDANG SOSIAL DAN SOCIAL AND COMMUNITY
KEMASYARAKATAN
Bank menyadari bahwa keberlangsungan bisnis Perseroan The Bank realizes that the sustainability of the Company’s
tidak lepas dari peran dan kontribusi masyarakat sekitar. Untuk business cannot be separated from the role and contribution
itu, di tahun 2024, Perseroan kembali memaksimalkan kegiatan of the surrounding community. For this reason, in 2024, the
CSR terhadap aspek pengembangan sosial dan kemasyarakatan Company will again maximize its CSR activities in aspects of
khususnya berfokus pada sektor pendidikan, literasi keuangan, social and community development, especially focusing on
dan penggunaan tenaga kerja. the education sector, financial literacy and use of labour.
1. Penggunaan Tenaga Kerja 1. Use of Labour
Salah satu bentuk dukungan yang diberikan oleh Bank One form of support provided by the Bank to empower
untuk memberdayakan masyarakat adalah melalui the community is through providing job opportunities for
pemberian kesempatan kerja bagi seluruh masyarakat all Indonesian people with various backgrounds to become
Indonesia dengan berbagai latar belakang yang ada untuk part of the Bank. As stated in the employment section,
menjadi bagian dari Bank. Sebagaimana disampaikan the Bank ensures that the selection process carried out
pada bagian ketenagakerjaan, Bank memastikan bahwa by the Bank will be based on the principle of fairness, in
proses seleksi yang dilakukan oleh Bank akan didasarkan accordance with the needs, competencies and suitability
pada prinsip keadilan, sesuai dengan kebutuhan, of the candidate for the existing position. Information
kompetensi, dan kesesuaian kandidat terhadap posisi related to job vacancies can be seen through various
yang ada. Informasi terkait lowongan pekerjaan dapat media such as the Bank website, LinkedIn, Job Fair, and
dilihat melalui berbagai media seperti website Bank, also referrals from internal Bank employees.
LinkedIn, Job Fair, dan juga referral dari karyawan internal
Bank.
2. Literasi Keuangan 2. Financial Literacy
Bank telah memberikan berbagai pelatihan dan sosialisasi The Bank has provided various training and outreach
terkait program yang dimiliki Bank. Bank juga memberikan related to the Bank’s programs. The Bank also provides
berbagai sosialisasi dalam bentuk edukasi keuangan various outreach in the form of financial education regarding
terkait produk perbankan dan cara penggunaan Maspion banking products and how to use Maspion Virtual Account
Virtual Account (MAVA) dan Internet Banking. Hal ini (MAVA) and Internet Banking. This is done to support the
dilakukan guna mendukung pertumbuhan UMKM dan growth of MSMEs and MSMEs and rural banks. Through
BPR. Melalui sosialisasi yang diberikan, Bank turut serta the socialization provided, the Bank participated in providing
dalam memberi pemahaman yang lebih baik kepada a better understanding to communities and society
komunitas dan masyarakat terkait produk dan layanan regarding banking products and services, including digital
perbankan, termasuk juga layanan digital teknologi yang technology services available in the banking sector.
tersedia dalam bidang perbankan.
3. Pendidikan 3. Education
Bank juga mengalokasikan anggaran untuk memberikan Apart from that, the Bank also allocates a budget to
bantuan pendidikan kepada masyarakat Indonesia dalam provide educational assistance to the Indonesian people
bentuk pemberian dana dan prasarana bagi instansi-instansi in the form of providing funds and infrastructure for agencies
yang membutuhkan. in need.
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Memberdayakan Insan Bank Maspion dan Masyarakat
Empowering People of Bank Maspion and the Community
Kegiatan CSR di Tahun 2024 CSR Activities in 2024
Pelaksanaan Anggaran
Nama Program Uraian Program TPB
No. Program Program
Program Name Program Description SDGs
Program Date Program Budget
1 CSR to AGCA Center Donating un-used 19 Maret / March 2024 Rp11.375.000 No. 4
computers and office
furnitures to AGCA
Center.
2 SMAK Katolik St. Louis 2 Industry sharing 21 Maret / March 2024 N/A No. 4
Students Visit to BMAS Head knowledge & financial
Office literacy
3 CSR to Pelita Permai School Donating un-used 26 Maret / March Rp29.875.000 No. 4
computers and office 2024
furnitures to Pelita
Permai School.
4 Guest Lecture Session for Petra Ms. Kasemsri 16 Mei / May 2024 N/A No. 4
Christian University Charoensiddhi as a
Guest Lecture for
Financial and
Investment Study
Program at Petra
Christian University.
5 CSR to Perkumpulan Donation 03 Juni / June 2024 Rp15.320.000 No. 1
Kongregasi SBMARK
6 CSR to Yayasan PK Arnoldus Donation 03 Juni / June 2024 Rp17.941.950 No. 1
7 Green Threads: BMAS x Pable Encouraging BMAS 14 Juni / June 2024 Rp126.239.284 No. 12
employees to donate
textile waste to
support circular textile
consumption.
8 CSR to Benih Kasih Orphanage Donating un-used 26 Juni / June 2024 Rp9.600.000 No. 4
computers and office
furnitures to Benih
Kasih Orphanage.
9 Green Threads: Roots for the Tree planting activities. 7 Juli / July 2024 Rp6.500.000 No. 13
Future [OJK F.4]
10 Program Inovator Muda Youth Development 26-30 Agustus / Rp30.632.835 No. 11
Bootcamp August 2024
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19 Maret 2024
March 19, 2024
CSR to AGCA Center
Donating un-used computers and office furnitures to AGCA Center.
21 Maret 2024
March 21, 2024
SMAK Katolik St. Louis 2 Students Visit to BMAS Head Office
Industry sharing knowledge & financial literacy.
26 Maret 2024
March 26, 2024
CSR to Pelita Permai School
Donating un-used computers and office furnitures to Pelita Permai School.
16 Mei 2024
May 16, 2024
Guest Lecture Session for Petra Christian University
Ms. Kasemsri Charoensiddhi as a Guest Lecture for Financial and Investment Study Program at Petra Christian University.
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Memberdayakan Insan Bank Maspion dan Masyarakat
Empowering People of Bank Maspion and the Community
3 Juni 2024 3 Juni 2024
June 3, 2024 June 3, 2024
CSR to Perkumpulan Kongregasi SBMARK CSR to Yayasan PK Arnoldus
Donation. Donation.
14 Juni 2024
June 14, 2024
Green Threads: BMAS x Pable
Encouraging BMAS employees to donate textile waste to support circular textile consumption.
26 Juni 2024
June 26, 2024
CSR to Benih Kasih Orphanage
Donating un-used computers and office furnitures to Benih Kasih Orphanage.
7 Juli 2024
July 7, 2024
Green Threads: Roots for the Future
Tree planting activities.
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26-30 Agustus 2024
August 26-30, 2024
Program Inovator Muda
Youth Development Bootcamp.
BIDANG LINGKUNGAN HIDUP ENVIRONMENT
Bank Maspion menyadari bahwa lingkungan adalah salah Bank Maspion recognizes that the environment is one of the
satu faktor yang sangat mempengaruhi kelangsungan bisnis factors that greatly affects the long-term sustainability of the
jangka panjang. Meskipun kegiatan operasional perbankan business. Although banking operations are not directly related
tidak secara langsung berhubungan dengan faktor lingkungan to environmental factors such as manufacturing or mining
seperti industri manufaktur atau pertambangan, dampak dari industries, the impact of environmental damage can still affect
kerusakan lingkungan tetap dapat mempengaruhi stabilitas business stability and sustainability. Climate change,
dan keberlanjutan bisnis. Perubahan iklim, degradasi sumber degradation of natural resources, and natural disasters can
daya alam, dan bencana alam dapat mempengaruhi kondisi affect economic and social conditions that ultimately impact
ekonomi dan sosial yang pada akhirnya berimbas pada the Bank’s operations. Therefore, the Bank sees the importance
operasional Bank. Oleh karena itu, Bank melihat pentingnya of playing an active role in environmental conservation efforts
untuk berperan aktif dalam upaya pelestarian lingkungan as part of its social responsibility and sustainable business
sebagai bagian dari tanggung jawab sosial dan strategi bisnis strategy.
yang berkelanjutan.
Selain itu, Bank Maspion juga mengakui bahwa kegiatan In addition, Bank Maspion also recognizes that daily operational
operasional sehari-hari, seperti penggunaan energi listrik dan activities, such as the use of electricity and water, have
air, memiliki potensi dampak lingkungan yang perlu dikelola potential environmental impacts that need to be managed
dengan lebih efisien. Pengelolaan yang buruk dalam jangka more efficiently. Poor management in the long run can lead
panjang dapat menyebabkan pemborosan sumber daya dan to wastage of resources and increase the Bank’s carbon
meningkatkan jejak karbon Bank. Untuk itu, Bank berkomitmen footprint. Therefore, the Bank is committed to continuously
untuk terus meningkatkan efisiensi penggunaan energi dan improve the efficiency of energy and water usage across its
air di seluruh lini operasionalnya. Dengan melaksanakan operations. By implementing more sustainable resource
kebijakan dan inisiatif pengelolaan sumber daya yang lebih management policies and initiatives, the Bank expects to
berkelanjutan, Bank berharap dapat mengurangi dampak reduce negative environmental impacts, while improving
negatif terhadap lingkungan, sekaligus meningkatkan efisiensi operational efficiency which has a positive impact on business
operasional yang berdampak positif pada keberlanjutan bisnis sustainability and community welfare.
dan kesejahteraan masyarakat.
Melalui kebijakan dan komunikasi internal dalam Bank, Bank The Bank, through its internal policies and communications,
berusaha untuk menerapkan pola hidup ramah lingkungan dalam strives to implement an environmentally sustainable approach
kegiatan operasional Bank setiap harinya, antara lain dengan: in the Bank’s daily operations by, among others:
• Melaksanakan program penghematan energi dengan • Implement an energy saving program by turning off
mematikan listrik dan mencabut perangkat elektronik, the electricity and unplugging electronic devices, such
seperti laptop dan ponsel, dari stop kontak selama as laptops and cell phones, from the outlet during
jam istirahat. break times.
• Mendorong budaya efisiensi penggunaan air di • Encourage a culture of water efficiency in the work
lingkungan kerja bagi seluruh karyawan. environment for all employees.
• Mengedepankan penyimpanan dan pengiriman dokumen • Promote the storage and sending of documents in
dalam bentuk digital (softcopy) melalui email, internet, digital form (softcopy) via email, internet, cloud, and
cloud, dan platform seperti Microsoft Teams untuk platforms such as Microsoft Teams to reduce paper
PT Bank Maspion Indonesia Tbk
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Memberdayakan Insan Bank Maspion dan Masyarakat
Empowering People of Bank Maspion and the Community
mengurangi penggunaan kertas dan menerapkan usage and implement a paperless culture.
budaya paperless.
• Melakukan migrasi laporan mutasi kas dari bentuk • Gradually migrate cash transaction reports from
cetak (hardcopy) menjadi digital (softcopy) secara hardcopy to digital (softcopy).
bertahap.
• Secara bertahap mengadopsi kendaraan listrik (EV) • Gradually adopt electric vehicles (EVs) and hybrids
dan hybrid untuk kendaraan operasional. for operational vehicles.
• Menginisiasi program daur ulang seragam bagi karyawan • Initiate a uniform recycling program for front-line
front liner melalui kerja sama dengan pihak ketiga. employees through collaboration with third parties.
• Mengurangi konsumsi bahan bakar fosil (BBM) dalam • Reduce fossil fuel (BBM) consumption on business
perjalanan dinas dengan memanfaatkan sarana video trips by utilizing video conferencing and teleconferencing
conference dan teleconference jika memungkinkan. facilities where possible.
• Menyediakan berbagai fitur dalam Maspion Electronic • Provide various features in Maspion Electronic Banking
Banking (MEB) sebagai delivery channel bagi nasabah, (MEB) as a delivery channel for customers, thus
sehingga meminimalkan kebutuhan kunjungan fisik minimizing the need for physical visits to the Bank’s
ke jaringan kantor Bank dan mengurangi konsumsi office network and reducing fuel consumption.
BBM.
TANGGUNG JAWAB BANK KEPADA THE BANK’S RESPONSIBILITY TO
NASABAH CUSTOMERS
Bank berusaha untuk menjaga tingkat kepuasan dan loyalitas The Bank strives to maintain customers’ satisfaction and
nasabah dengan senantiasa memberikan layanan perbankan loyalty by providing excellent banking services. The Bank
yang berkualitas. Bank memberikan fasilitas layanan pengaduan provides a complaint service facility for customers through
bagi nasabah melalui customer service yang berada di seluruh customer service representatives located in all Bank offices
kantor Bank pada hari dan jam operasional, atau melalui during operational days and hours, or through the Contact
Contact Center di nomor 1500889 yang dapat diakses setiap Center at 1500889, which can be accessed daily from 7:00
hari pk. 07.00 - 22.00. Nasabah juga dapat menyampaikan a.m. to 10:00 p.m. Customers can also submit complaints via
pengaduan melalui Whatsapp ataupun SMS di nomor WhatsApp or SMS at 08990515662. The bank ensures that
08990515662. Bank memastikan bahwa keluhan nasabah customer complaints will be handled in accordance with the
akan ditangani sesuai dengan Service Level Agreement (SLA). Service Level Agreement (SLA). [OJK F.30]
[OJK F.30]
Bank juga selalu memberikan informasi terkait produk dan The Bank also always provide information regarding banking
layanan perbankan, beserta biaya serta risiko yang ada untuk products and services, along with the costs and risks that
setiap produk dan layanan perbankan yang diberikan. Informasi exist for each banking product and service provided. This
tersebut telah disampaikan pada saat pemasaran, ketika calon information is conveyed during marketing, when prospective
nasabah atau nasabah akan mengikat perjanjian dengan Bank, customers or customers are about to enter into an agreement
maupun ketika terdapat perubahan pada produk dan jasa with the Bank, or when there are changes to banking products
perbankan yang telah digunakan oleh nasabah [OJK F.26]. and services that have been used by customers [OJK F.26].
Bank berusaha untuk memberikan informasi yang jelas, The Bank strives to provide clear information, including the
termasuk manfaat dan risiko yang timbul kepada nasabah benefits and risks that arise, to customers and prospective
dan calon nasabah sehingga mereka dapat mengambil customers so that they can make the right decisions.
keputusan yang tepat.
Bank juga berkomitmen untuk menjaga kerahasiaan data The Bank is also committed to maintain customer data
nasabah dengan menerapkan prinsip kerahasiaan dan confidentiality by implementing customer information’s
keamanan informasi nasabah sesuai dengan SLA dan regulasi confidentiality and security principles according to the SLA
yang ada. Bank memastikan bahwa data nasabah tidak and existing regulations. The Bank ensures that customer
disalahgunakan oleh pihak yang tidak bertanggung jawab data is not abused by irresponsible parties to ensure that
sehingga nasabah dapat merasa aman dalam bertransaksi customers can feel safe conducting transactions and increase
dan dapat meningkatkan kepercayaannya kepada Bank. their trust in the Bank.
PT Bank Maspion Indonesia Tbk
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Halaman Ini Sengaja Dikosongkan
This Page Is Intentionally Left Blank
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Memberdayakan Insan Bank Maspion dan Masyarakat
Empowering People of Bank Maspion and the Community
Indeks Konten GRI
GRI Content Index
Pernyataan penggunaan:
Statement of Use:
Bank Maspion telah melaporkan informasi yang dikutip dalam indeks konten GRI untuk periode 1 Januari 2023 – 31
Desember 2023 dengan merujuk kepada Standar GRI.
Bank Maspion has reported the information cited in this GRI content index for the period [1 January 2023 – 31 December
2023 with reference to the GRI Standards
GRI 1 yang digunakan:
GRI 1 used:
GRI 1: Landasan 2021
GRI 1: Foundation 2021
Standar Sektor GRI yang Berlaku:
Applicable GRI Sector Standard:
Pengungkapan Sektor Jasa Keuangan GRI G4
GRI G4 Financial Services Sector Disclosure
Pengungkapan
Standar GRI Disclosure Halaman
GRI Standard Judul Page
No
Title
ORGANISASI DAN PRAKTEK PELAPORANNYA
THE ORGANIZATION AND ITS REPORTING PRACTICES
GRI 2: Disclosure 2-1 Detail Organisasi 63
Umum 2021 Organization Details
General Disclosure 2021
2-2 Entitas yang Disertakan Dalam Laporan Keberlanjutan Organisasi 87
Entities included in the organization’s sustainability reporting
2-3 Periode Pelaporan, Frekuensi, dan Poin Kontak 400
Reporting Period, Frequency, and Contact Point
2-4 Penyajian Kembali Informasi 400
Restatements of Information
2-5 Asurans Eksternal 50
External Assurance
AKTIVITAS DAN PEKERJA
ACTIVITIES AND WORKERS
2-6 Aktivitas, Rantai Nilai, dan Hubungan Bisnis Lainnya 50
Activities, Value Chain, and Other Business Relationship
2-7 Ketenagakerjaan 134
Employees
2-8 Pekerja yang Bukan Karyawan 135
Workers Who Are Not Employees
TATA KELOLA
GOVERNANCE
2-9 Struktur dan Komposisi Tata Kelola 163
Governance Structure and Composition
2-10 Penominasian dan pemilihan badan tata kelola tertinggi 209
Nomination and selection of the highest governance body
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Pengungkapan
Standar GRI Disclosure Halaman
GRI Standard Judul Page
No
Title
2-11 Ketua badan tata kelola tertinggi 184, 198
Chair of the highest governance body
2-12 Peran badan tata kelola tertinggi dalam mengawasi pengelolaan dampak 277
Role of the highest governance body in overseeing the management of impacts
2-13 Pendelegasian tanggung jawab untuk mengelola dampak 30
Delegation of responsibility for managing impact
2-14 Peran badan tata kelola tertinggi dalam laporan keberlanjutan 400
Role of the highest governance body in sustainability reporting
2-15 Konflik Kepentingan 125
Conflict of Interest
2-16 Komunikasi Hal Kritis 410
Communication of Critical Concerns
2-17 Pengetahuan kolektif badan tata kelola tertinggi 198
Collective knowledge of highest governance body
2-18 Mengevaluasi kinerja badan tata kelola tertinggi 184 & 192
Evaluation of the performance of the highest governance body
2-19 Kebijakan remunerasi 203
Remuneration policies
2-20 Proses untuk menentukan remunerasi 205
Process for determining remuneration
2-21 Rasio kompensasi total tahunan 448
Annual total compensation ratio
STRATEGI, KEBIJAKAN, DAN PRAKTEK
STRATEGY, POLICIES, AND PRACTICES
2-22 Pernyataan Strategi Pembangunan Berkelanjutan 402
Statement on Sustainability Development Strategy
2-23 Komitmen Kebijakan 55
Policy Commitment
2-24 Menanamkan Komitmen Kebijakan 406
Embedding Policy Commitment
2-25 Proses Untuk Meremediasi Dampak Negatif 283
Processes to Remediate Negative Impacts
2-26 Mekanisme Untuk Mencari Saran dan Mengemukakan Kekhawatiran 287
Mechanism for seeking advice and raising concerns
2-27 Kepatuhan Terhadap Hukum dan Regulasi 263
Compliance With Law and Regulation
2-28 Asosiasi Keanggotaan 69
Membership Association
PELIBATAN PEMANGKU KEPENTINGAN
STAKEHOLDER ENGAGEMENT
2-29 Pendekatan Untuk Pelibatan Pemangku Kepentingan 286
Approach to Stakeholder Engagament
2-30 Perjanjian Kerja Bersama 289
Collective Bargaining Agreements
DISCLOSURE TOPIK SPESIFIK
TOPIC-SPECIFIC DISCLOSURE
GRI 3: KINERJA EKONOMI
Topik Material 2021 ECONOMIC PERFORMANCE
3-1 Pengelolaan Topik Material 401
Material Topic 2021
Management of Material Topics
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Memberdayakan Insan Bank Maspion dan Masyarakat
Empowering People of Bank Maspion and the Community
Pengungkapan
Standar GRI Disclosure Halaman
GRI Standard Judul Page
No
Title
GRI 201: 201-1 Nilai Ekonomi Langsung yang Dihasilkan dan Didistribusikan 420
Kinerja Ekonomi Direct economic value generated and distributed
2016
Economic Performance
2016
GRI 3: KEBERADAAN PASAR
Topik Material 2021 MARKET PRESENCE
3-2 Pengelolaan Topik Material 402
Material Topic 2021
Management of Material Topics
GRI 202: 202-1 Rasio upah karyawan entry-level standar Berdasarkan jenis kelamin terhadap upah 468
Keberadaan minimum regional.
Pasar 2016 Ratios of standard entry level wage by gender compared to local minimum wage
Market Presence 2016
GRI 3: DAMPAK EKONOMI TIDAK LANGSUNG
Topik Material 2021 INDIRECT ECONOMIC IMPACTS
3-3 Pengelolaan Topik Material 402
Material Topic 2021
Management of Material Topics
GRI 203: 203-1 Investasi infrastruktur dan dukungan layanan 454
Dampak Infrastucture investments and services supported
Ekonomi Tidak
203- Dampak ekonomi tidak langsung yang signifikan 422
Langsung 2016
2 Significant indirect economic impacts
Indirect Economic
Impacts 2016
GRI 3: PRAKTIK PENGADAAN
Topik Material 2021 PROCUREMENT PRACTICES
3-3 Pengelolaan Topik Material
Material Topic 2021
Management of Material Topics
GRI 204: Praktik 204-1 Proporsi pengeluaran untuk pemasok lokal 411
Pengadaan Proportion of spending on local suppliers
2016
Procurement Practices
2016
GRI 3: ANTI KORUPSI
Topik Material 2021 ANTI-CORRUPTION
3-3 Pengelolaan Topik Material
Material Topic 2021
Management of Material Topics
GRI 205: 205-1 Operasi-operasi yang dinilai memiliki risiko terkait korupsi 422
Anti Korupsi Operation assessed for risks related to corruption
2016
205- Komunikasi dan Pelatihan Tentang Kebijakan dan Prosedur Anti Korupsi 290
2 Communication and training about anti-corruption policies and procedures
Anti-Corruption 2016
205- Insiden korupsi yang terbukti dan tindakan yang diambil 290
3 Confirmed incidents of corruption and actions taken
GRI 3: ANTI-COMPETITIVE BEHAVIOR
Topik Material 2021
3-3 Pengelolaan Topik Material
Management of Material Topics
Material Topic 2021
GRI 3: PAJAK
Topik Material 2021 TAX
Material Topic 2021
3-3 Pengelolaan Topik Material
Management of Material Topics
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Pengungkapan
Standar GRI Disclosure Halaman
GRI Standard Judul Page
No
Title
GRI 207: Pajak 2019 207-1 Pendekatan terhadap pajak 420
Approach to tax
Tax 2019
207-2 Tata kelola, pengendalian, dan manajemen risiko pajak 421
Tax governance, control, and risk management
207-3 Keterlibatan pemangku kepentingan dan pengelolaan 420
perhatian yang berkaitan dengan pajak
Stakeholder engagement and management of concerns related to tax
207-4 Laporan per negara
Country-by-country reporting
GRI 3: MATERIAL
Topik Material 2021 MATERIALS
3-3 Pengelolaan Topik Material
Material Topic 2021
Management of Material Topics
GRI 3: ENERGI
Topik Material 2021 ENERGY
Material Topic 2021
3-3 Pengelolaan Topik Material
Management of Material Topics
GRI 302: 302-1 Konsumsi energi dalam organisasi 435
Energi Energy consumption within the organization
2016
302- Pengurangan pada energi yang dibutuhkan untuk produk dan jasa
Energy 2016
5 Reduction in energy requirements of products and services
GRI 3: AIR DAN EFLUEN
Topik Material 2021 WATER AND EFFLUENTS
3-3 Pengelolaan Topik Material
Material Topic 2021
Management of Material Topics
303-2 Manajemen dampak yang berkaitan dengan pembuangan air 437
Management of water discharge-related impacts
303-5 Konsumsi air 437
Water consumption
GRI 3: KEANEKARAGAMAN HAYATI
Topik Material 2021 BIODIVERSITY
3-3 Pengelolaan Topik Material
Material Topic 2021
Management of Material Topics
GRI 3: EMISI
Topik Material 2021 EMISSIONS
3-3 Pengelolaan Topik Material
Material Topic 2021
Management of Material Topics
GRI 305: 305-1 Emisi GRK (Cakupan 1) langsung 436
Emisi 2016 Direct (Scope 1) GHG emissions
305- Emisi energi GRK (Cakupan 2) tidak langsung 436
Emissions 2016
2 Energy indirect (Scope 2) GHG emissions
305-4 Intensitas emisi GRK
GHG emissions intensity
305- Pengurangan emisi GRK 434
5 Reduction of GHG emissions
305- Emisi zat perusak ozon (ODS) 434
6 Emissions of ozone-depleting substances
GRI 3: LIMBAH
Topik Material 2021 WASTE
3-3 Pengelolaan Topik Material
Material Topic 2021
Management of Material Topics
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Memberdayakan Insan Bank Maspion dan Masyarakat
Empowering People of Bank Maspion and the Community
Pengungkapan
Standar GRI Disclosure Halaman
GRI Standard Judul Page
No
Title
GRI 306: Limbah 2020 306-1 Timbulan limbah dan dampak signifikan terkait limbah 438
Waste generation and significant waste-related impacts
Waste 2020
306- Pengelolaan dampak signifikan terkait limbah 438
2 Management of significant wasterelated impacts
306-3 Limbah yang Dihasilkan 438
Waste Generated
GRI 3: PENILAIAN LINGKUNGAN PEMASOK
Topik Material 2021 SUPPLIER ENVIRONMENTAL ASSESSMENT
3-3 Pengelolaan Topik Material
Material Topic 2021
Management of Material Topics
GRI 3: KEPEGAWAIAN
Topik Material 2021 EMPLOYMENT
3-3 Pengelolaan Topik Material
Material Topic 2021
Management of Material Topics
GRI 401: 401-1 Perekrutan Karyawan Baru dan Pergantian Karyawan 443
Kepegawaian New employee hires and employee turnover
2016
401-2 Tunjangan yang diberikan kepada karyawan purnawaktu yang tidak diberikan 448
kepada karyawan sementara atau paruh waktu
Employment 2016
Benefits Provided to Full-Time Employees That are
Not Provided to Temporary or Part-Time Employees
401-3 Cuti melahirkan 450
Parental leave
GRI 3: RELASI PEKERJA/MANAJEMEN
Topik Material 2021 LABOR/MANAGEMENT RELATIONS
3-3 Pengelolaan Topik Material
Material Topic 2021
Management of Material Topics
GRI 3: KESEHATAN DAN KESELAMATAN KERJA
Topik Material 2021 OCCUPATIONAL HEALTH AND SAFETY
3-3 Pengelolaan Topik Material
Material Topic 2021
Management of Material Topics
GRI 403: 403-1 Sistem manajemen keselamatan dan kesehatan kerja 449
Kesehatan dan Occupational health and safety management system
Keselamatan
403-2 Identifikasi bahaya, penilaian risiko, dan investigasi insiden 449
Kerja 2018
Hazard identification, risk assessment, and incident investigation
Occupational Health 403-3 Layanan kesehatan kerja 449
and Safety 2018 Occupational health services
403-4 Partisipasi, konsultasi, dan komunikasi pekerja tentang keselamatan dan kesehatan 449
kerja
Worker participation, consultation, and communication on occupational health and
safety
403-5 Pelatihan bagi pekerja mengenai keselamatan dan kesehatan kerja 449
Worker training on occupational health and safety
403-6 Peningkatan kualitas kesehatan pekerja 449
Promotion of worker health
403-7 Pencegahan dan mitigasi dampak dari keselamatan dan kesehatan kerja yang 449
secara langsung terkait hubungan bisnis
Prevention and mitigation of occupational health and safety impacts directly linked
by business relationships
403-8 Pekerja yang tercakup dalam sistem manajemen keselamatan dan kesehatan kerja 449
Workers covered by an occupational health and safety management system
403-9 Kecelakaan kerja 449
Work-related injuries
403- Penyakit akibat kerja 449
10 Work-related ill health
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Pengungkapan
Standar GRI Disclosure Halaman
GRI Standard Judul Page
No
Title
GRI 3: PELATIHAN DAN PENDIDIKAN
Topik Material 2021 TRAINING AND EDUCATION
3-3 Pengelolaan Topik Material
Material Topic 2021
Management of Material Topics
GRI 404: 404-1 Rata-rata jam pelatihan per tahun per karyawan 443
Pelatihan dan Average hours of training per year per employee
Pendidikan
404-2 Program untuk meningkatkan keterampilan karyawan dan program bantuan 446
2016
peralihan
Programs for upgrading employee skills and transition assistance programs
Training and Education
2016
GRI 3: KEBERAGAMAN DAN KESETARAAN
Topik Material 2021 DIVERSITY AND EQUAL OPPORTUNITY
3-3 Pengelolaan Topik Material
Material Topic 2021
Management of Material Topics
GRI 405: 405-1 Keanekaragaman badan tata kelola dan karyawan 134
Keberagaman Diversity of governance bodies and employees
dan Kesetaraan
405- Rasio gaji pokok dan remunerasi perempuan dibandingkan laki-laki 448
2016
2 Ratio of basic salary and and remuneration of women to men
Diversity and Equal
Opportunity
GRI 3: NON DISKRIMINASI
Topik Material 2021 NON-DISCRIMINATION
3-3 Pengelolaan Topik Material
Material Topic 2021
Management of Material Topics
GRI 406: Non- 406-1 Insiden diskriminasi dan tindakan perbaikan yang dilakukan 452
Diskriminasi 2016 Incidents of discrimination and corrective actions taken
Non-Discrimination
2016
GRI 3: KEBEBASAN BERSERIKAT DAN PERUNDINGAN BERSAMA
Topik Material 2021 FREEDOM OF ASSOCIATION AND COLLECTIVE BARGAINING
3-3 Pengelolaan Topik Material
Material Topic 2021
Management of Material Topics
GRI 3: PEKERJA ANAK
Topik Material 2021 CHILD LABOR
3-3 Pengelolaan Topik Material
Material Topic 2021
Management of Material Topics
GRI 408: Pekerja Anak 408-1 Operasi dan pemasok yang berisiko signifikan terhadap 453
2016 insiden pekerja anak
Operations and suppliers at significant risk for incidents of child labor
Child Labor 2016
GRI 3: KERJA PAKSA
Topik Material 2021 FORCED OR COMPULSORY LABOR
3-3 Pengelolaan Topik Material
Material Topic 2021
Management of Material Topics
GRI 409: Kerja Paksa 409-1 Operasi dan pemasok yang berisiko signifikan terhadap 453
Atau Wajib Kerja 2016 insiden kerja paksa atau wajib kerja
Operations and suppliers at significant risk for incidents of forced or compulsory
Forced or Compulsory labor
Labor 2016
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Memberdayakan Insan Bank Maspion dan Masyarakat
Empowering People of Bank Maspion and the Community
Pengungkapan
Standar GRI Disclosure Halaman
GRI Standard Judul Page
No
Title
GRI 3: PRAKTIK-PRAKTIK KEAMANAN
Topik Material 2021 SECURITY PRACTICES
3-3 Pengelolaan Topik Material
Material Topic 2021
Management of Material Topics
GRI 410: 410-1 Petugas keamanan yang dilatih mengenai kebijakan atau prosedur hak asasi 452
Praktik-praktik manusia
Keamanan 2016 Security personnel trained in human right policies or procedures
Security Practices 2016
GRI 3: HAK-HAK MASYARAKAT ADAT
Topik Material 2021 RIGHTS OF INDIGENOUS PEOPLE
3-3 Pengelolaan Topik Material
Material Topic 2021
Management of Material Topics
GRI 411: Hak-hak 411-1 Insiden pelanggaran yang melibatkan hak-hak masyarakat adat 452
Masyarakat Adat Incidents of violations involving rights of indigenous peoples
Rights of Indigenous
People 2021
GRI 3: MASYARAKAT LOKAL
Topik Material 2021 LOCAL COMMUNITIES
3-3 Pengelolaan Topik Material
Material Topic 2021
Management of Material Topics
GRI 413: 413-1 Operasi dengan keterlibatan masyarakat lokal, penilaian dampak, dan program 453
Masyarakat Lokal 2016 pengembangan
Operations with local community engagement, impact assessments, and
Local Communities development programs
2016
413-2 Operasi yang secara aktual dan yang berpotensi memiliki 453
dampak negatif signifikan terhadap masyarakat lokal
Operations with significant actual and potential negative impacts on local
communities
GRI 3: PENILAIAN SOSIAL PEMASOK
Topik Material 2021 SUPPLIER SOCIAL ASSESSMENT
3-3 Pengelolaan Topik Material
Material Topic 2021
Management of Material Topics
GRI 3: KONTRIBUSI POLITIK
Topik Material 2021 POLITICAL CONTRIBUTIONS
3-3 Pengelolaan Topik Material
Material Topic 2021
Management of Material Topics
GRI 415-1: 415-1 Kontribusi Politik 284
Kontribusi Politik 2016 Political Contributions
Political Contributions
2016
GRI 3: KESEHATAN DAN KESELAMATAN PELANGGAN
Topik Material 2021 CUSTOMER HEALTH AND SAFETY
3-3 Pengelolaan Topik Material
Material Topic 2021
Management of Material Topics
GRI 416: 416-1 Penilaian dampak kesehatan dan keselamatan dari berbagai kategori produk dan 490
Kesehatan dan jasa
Keselamatan Assessment of the health and safety impacts of product and services categories
Pelanggan 2016
416-2 Insiden ketidakpatuhan sehubungan dengan dampak kesehatan dan keselamatan 490
dari produk dan jasa
Customer Health and
Incidents of non-compliance concerning the health and safety impacts of products
Safety
and services
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Pengungkapan
Standar GRI Disclosure Halaman
GRI Standard Judul Page
No
Title
GRI 3: PEMASARAN DAN PELABELAN
Topik Material 2021 MARKETING AND LABELING
3-3 Pengelolaan Topik Material
Material Topic 2021
Management of Material Topics
GRI 3: PRIVASI PELANGGAN
Topik Material 2021 CUSTOMER PRIVACY
3-3 Pengelolaan Topik Material
Material Topic 2021
Management of Material Topics
GRI 418: Privasi 418-1 Pengaduan yang berdasar mengenai pelanggaran terhadap 423
Pelanggan 2016 privasi pelanggan dan hilangnya data pelanggan
Substantiated complaints concerning breaches of customer privacy and losses of
Customer Privacy 2016 customer data
Pengungkapan Sektor Keuangan Halaman
Standar GRI Financial Sector Disclosure Page
GRI Standard Judul
No
Title
PRODUK PORTOFOLIO
PORTFOLIO PRODUCT
GRI G4: FS1 Kebijakan dengan komponen lingkungan dan sosial yang spesifik yang 404
Disclosure Sektor Jasa diaplikasikan pada lini bisnis
Keuangan Policies with specific environmental and social components applied to business
lines
Financial Services
Sector Disclosure
FS2 Prosedur untuk memeriksa dan menyaring risiko lingkungan dan sosial pada lini 279
bisnis
Procedures for assessing and screening environmental and social risks in business
lines
FS3 Proses untuk memonitor implementasi dan kepatuhan klien terhadap persyaratan 279
lingkungan dan sosial
Processes for monitoring clients’ implementation of and compliance with
environmental and social requirements included in agreements or transactions
FS4 Proses untuk meningkatkan kompetensi staf dalam mengimplementasikan 198
kebijakan lingkungan dan sosial serta prosedur yang diaplikasikan pada lini bisnis
Process(es) for improving staff competency to implement the environmental and
social policies and procedures as applied to business lines
FS5 Interaksi dengan klien/penanam modal/mitra bisnis terkait risiko serta kesempatan 286
terkait lingkungan dan sosial
Interactions with clients/investees/business partners regarding environmental and
social risks and opportunities
FS6 Persentase dari portfolio untuk lini bisnis menurut wilayah, menurut ukuran (contoh: 420
mikro/Sme/besar), dan menurut sektor
Percentage of the portfolio for business lines by specific region, Size (e.g. micro/
SME/large) and by sector
FS7 Nilai moneter dari produk dan layanan yang dirancang untuk memberikan 420
keuntungan sosial yang spesifik untuk setiap lini bisnis
Monetary value of products and services designed to deliver a specific social
benefit for each business line broken down by purpose
FS8 Nilai moneter dari produk dan layanan yang dirancang untuk memberikan 420
keuntungan lingkungan yang spesifik untuk setiap lini bisnis
Monetary value of products and services designed to deliver a specific
environmental benefit for each business line broken down by purpose
AUDIT
PT Bank Maspion Indonesia Tbk
Integated Report 2024 473
Page 474
Memberdayakan Insan Bank Maspion dan Masyarakat
Empowering People of Bank Maspion and the Community
Pengungkapan Sektor Keuangan Halaman
Standar GRI Financial Sector Disclosure Page
GRI Standard Judul
No
Title
FS9 Cakupan dan frekuensi audit serta prosedur penilaian risiko 279
Coverage and frequency of audits to assess implementation of environmental and
social policies and risk assessment procedures
KEPEMILIKAN AKTIF
ACTIVE OWNERSHIP
FS10 Persentase dan jumlah perusahaan dalam porfolio institusi dengan mana organisasi 87
pelapor berinteraksi dalam isu lingkungan atau sosial
Percentage and number of companies held in the institution’s portfolio with which
the reporting organiation has interacted on environmental or social issues
FS11 Persentase aset di mana dilakukan penyaringan lingkungan atau sosial secara 87
positif dan negatif
Percentage of assets subject to positive and negative environmental or social
screening
KOMUNITAS LOKAL
LOCAL COMMUNITY
FS13 Titik akses pada wilayah dengan populasi penduduk rendah atau keadaan ekonomi 63
yang kurang menguntungkan
Access points in low-populated or economically disadvantaged areas by type
FS14 Inisiatif untuk meningkatkan akses layanan finansial bagi para penyandang cacat 450
Initiatives to improve access to financial services for disadvantaged people
TANGGUNG JAWAB PRODUK
PRODUCT RESPONSIBILITY
FS15 Kebijakan untuk rancangan dan penjualan produk dan layanan yang adil 450
Policies for the fair design and sale of financial products and services
FS16 Inisiatif untuk meningkatkan literasi keuangan menurut tipe penerima 459
Initiatives to enhance financial literacy by type of beneficiary
PT Bank Maspion Indonesia Tbk
474 Laporan Tahunan Terintegrasi 2024
Page 475
Daftar Pengungkapan sesuai Peraturan Otoritas
Jasa Keuangan No. 51/POJK.03/2017
Disclosure List according to Financial Services Authority
Regulation No. 51/POJK.03/2017 [OJK G4]
No Indeks Nama Indeks Halaman
Index Number Index Description Page
A Strategi Keberlanjutan
Sustainability Strategy
A.1 Penjelasan Strategi Keberlanjutan 404-405
Sustainability Strategy Explanation
B Ikhtisar Kinerja Keberlanjutan
Sustainability Performance Overview
B.1 Aspek Ekonomi 411
Economic Aspect
B.2 Aspek Lingkungan Hidup 411-412
Environmental Aspect
B.3 Aspek Sosial 412
Social Aspect
C Profil Perusahaan
Company Profile
C.1 Visi, Misi, dan Nilai Keberlanjutan 55
Vision, Mission and Values of Sustainability
C.2 Alamat Perusahaan 46
Company's address
C.3 Skala Perusahaan 14, 63, 84
Company’s Scale
C.4 Produk, layanan, dan kegiatan usaha yang dijalankan 46, 50, 56
Products, services, and business activities carried out
C.5 Keanggotaan pada asosiasi 69
Association membership
C.6 Perubahan organisasi bersifat signifikan 89
Ssignificant organisational changes
D Penjelasan Direksi
Statement of the Board of Directors
D.1 Penjelasan Direksi 34, 413
Statement of the Board of Directors
E Tata Kelola Keberlanjutan
Sustainability Governance
E.1 Penanggungjawab Penerapan Keuangan Berkelanjutan 175 & 184
Responsible for the Implementation of Sustainable Finance
E.2 Pengembangan Kompetensi Terkait Keuangan Berkelanjutan 198
Competency Development Related to Sustainable Finance
E.3 Penilaian Risiko Atas Penerapan Keuangan Berkelanjutan 229
Risk Assessment of the Implementation of Sustainable Finance
E.4 Hubungan Dengan Pemangku Kepentingan 286
Relations with Stakeholders
E.5 Permasalahan Terhadap Penerapan Keuangan Berkelanjutan 410
Problems Against the Implementation of Sustainable Finance
F Kinerja Keberlanjutan
Sustainability Performance
F.1 Kegiatan Membangun Budaya Keberlanjutan 406
Activities to Build a Culture of Sustainability
PT Bank Maspion Indonesia Tbk
Integated Report 2024 475
Page 476
Memberdayakan Insan Bank Maspion dan Masyarakat
Empowering People of Bank Maspion and the Community
No Indeks Nama Indeks Halaman
Index Number Index Description Page
Kinerja Ekonomi
Economic Performance
F.2 Perbandingan Target dan Kinerja Produksi, Portofolio, Target Pembiayaan, atau Investasi, 420
Pendapatan dan Laba Rugi
Comparison of Production Targets and Performance, Portfolio, Financing Targets, or
Investment, Income and Profit and Loss
F.3 Perbandingan Target dan Kinerja Portofolio, Target Pembiayaan, atau Investasi pada Instrumen 420
Keuangan atau Proyek yang Sejalan dengan Keuangan Berkelanjutan
Comparison of Portfolio Targets and Performance, Financing Targets, or Investments in
Financial Instruments or Projects in Line with Sustainable Finance
Kinerja Lingkungan
Environmental Performance
Aspek Umum
General Aspect
F.4 Biaya Lingkungan Hidup 460
Environmental Costs
Aspek Material
Material Aspect
F.5 Penggunaan Material yang Ramah Lingkungan 432
Use of Environmentally Friendly Materials
Aspek Energi
Energy Aspect
F.6 Jumlah dan Intensitas Energi Yang Digunakan 435
Amount and Intensity of Energy Used
F.7 Upaya dan Pencapaian Efisiensi Energi dan Penggunaan Energi Terbarukan 435
Efforts and Achievements of Energy Efficiency and Use of Renewable Energy
Aspek Air
Water Aspect
F.8 Penggunaan Air 437
Water use
Aspek Keanekaragaman Hayati
Biodiversity Aspect
F.9 Dampak dari Wilayah Operasional yang Dekat atau Berada di Daerah Konservasi atau Memiliki 433
Keanekaragaman Hayati
Impacts from Operational Areas that are Near or Located in Conservation Areas or Have
Biodiversity
F.10 Usaha Konservasi Keanekaragaman Hayati 433
Biodiversity Conservation Efforts
Aspek Emisi
Emission Aspect
F.11 Jumlah dan Intensitas Emisi yang Dihasilkan Berdasarkan Jenisnya 436
Total and Intensity of Emissions Generated by Type
F.12 Upaya dan Pencapaian Pengurangan Emisi yang Dilakukan 434
Efforts and Achievements of Emission Reduction Made
Aspek Limbah dan Efluen
Waste And Effluent Aspects
F.13 Jumlah Limbah dan Efluen Yang Dihasilkan Berdasarkan Jenis 438
Amount of Waste and Effluent Produced by Type
F.14 Mekanisme Pengelolaan Limbah dan Efluen 438
Waste and Effluent Management Mechanism
F.15 Tumpahan yang Terjadi (jika ada) 438
Spills (if any)
Aspek Pengaduan Terkait Lingkungan Hidup
Complaint Aspects Related to the Environment
F.16 Jumlah dan Materi Pengaduan Lingkungan Hidup yang Diterima dan Diselesaikan 439
Number and Material of Environmental Complaints Received and Settled
PT Bank Maspion Indonesia Tbk
476 Laporan Tahunan Terintegrasi 2024
Page 477
No Indeks Nama Indeks Halaman
Index Number Index Description Page
Kinerja Sosial
Social Aspect
F.17 Komitmen untuk Memberikan Layanan atas Produk dan/atau Jasa yang Setara kepada 451
Konsumen
Commitment to Provide Services on Equal Products and/or Services to Consumers
Aspek Ketenagakerjaan
Employment Aspect
F.18 Kesetaraan Kesempatan Bekerja 444
Equal Employment Opportunity
F.19 Tenaga Kerja Anak dan Tenaga Kerja Paksa 453
Child Labor and Forced Labour
F.20 Upah Minimum Regional 448
Regional Minimum Wage
F.21 Lingkungan Bekerja yang Layak dan Aman 449
Decent and Safe Work Environment
F.22 Pelatihan dan Pengembangan Kemampuan Pegawai 444
Employee Capability Training and Development
Aspek Masyarakat
Community Aspect
F.23 Dampak Operasi Terhadap Masyarakat Sekitar 451
Impact of Operations on Surrounding Communities
F.24 Pengaduan Masyarakat 427
Community Complaints
F.25 Kegiatan Tanggung Jawab Sosial Lingkungan (TJSL) 452
Environmental Social Responsibility Activities (CSR)
Tanggung Jawab Pengembangan Produk/Jasa Berkelanjutan
Responsibility for Sustainable Product/Service Development
F.26 Inovasi dan Pengembangan Produk/Jasa Keuangan Berkelanjutan 464
Innovation and Development of Sustainable Financial Products/Services
F.27 Produk/Jasa yang Sudah Dievaluasi Keamanannya bagi Pelanggan 451
Products/Services That Have Been Evaluated for Safety for Customers
F.28 Dampak Produk/Jasa 448
Product/Service Impact
F.29 Jumlah Produk yang Ditarik Kembali 451
Number of Product Recalls
F.30 Survei Kepuasan Pelanggan Terhadap Produk dan/atau Jasa Keuangan Berkelanjutan 464
Customer Satisfaction Survey on Sustainable Financial Products and/or Services
G Lain-lain
Others
G.1 Verifikasi Tertulis dari Pihak Independen (jika ada) 400
Written Verification from Independent Party (Assurer) (if any)
G.2 Lembar Umpan Balik 478
Feedback Sheet
G.3 Tanggapan Terhadap Umpan Balik Laporan Tahun Sebelumnya 479
Responses to Feedback on Previous Year's Reports
G.4 Daftar Pengungkapan Sesuai Peraturan Otoritas Jasa Keuangan No. 51/POJK.03/2017 tentang 475
Penerapan Keuangan Berkelanjutan bagi Lembaga Jasa Keuangan, Emiten, dan Perusahaan
Publik.
List of Disclosures According to the Financial Services Authority Regulation No. 51/
POJK.03/2017 concerning the Implementation of Sustainable Finance for Financial Services
Institutions, Issuers and Public Companies.
PT Bank Maspion Indonesia Tbk
Integated Report 2024 477
Page 478
Memberdayakan Insan Bank Maspion dan Masyarakat
Empowering People of Bank Maspion and the Community
Lembar Umpan Balik
Feedback Sheet
[GRI 102-53] [OJK G.2]
PROFIL ANDA (Mohon diisi bila berkenan)
YOUR PROFILE (Please fill in if you wish)
Nama:
Name
Institusi/perusahaan:
Institution/Company
Email:
Email
Telp/HP:
Phone/Mobile
Golongan pemangku kepentingan:
Stakeholder groups
____ Pemegang Saham/Investor ____ Nasabah ____ Pegawai
Shareholders/Investors Customers Employees
____ Serikat Pekerja ____ Media ____ Pemasok
Trade Unions Media Suppliers
____ Organisasi Masyarakat/NGO ____ Pemerintah/OJK ____ Organisasi Bisnis
Community Organizations/NGOs Government/OJK Business Organizations
Lain-lain: ____________
Etc
Bagaimana penilaian Anda mengenai Sangat
penulisan Laporan ini: Tidak setuju Kurang setuju Tidak tahu Setuju setuju
How do you feel about the writing of this Disagree Do not agree Incognisant Agree Extremely
report: Agree
Laporan ini mudah dimengerti
This report is easy to understand
Laporan ini bermanfaat
This report is useful
Laporan ini sudah menggambarkan kinerja LJK
dalam pembangunan berkelanjutan
This report describes the performance of
Financial Services Institutions in sustainable
development
PT Bank Maspion Indonesia Tbk
478 Laporan Tahunan Terintegrasi 2024
Page 479
Bagaimana penilaian Anda mengenai
Sangat
tingkat materialitas topik-topik di bawah Tidak Kurang
Tidak tahu Penting penting
ini: penting penting
Incognisant Significant Extremely
How do you feel about the writing of this Insignificant Less Important
Significant
report:
Kinerja ekonomi
Economic performance
Dampak ekonomi tidak langsung
Indirect economic impact
Kinerja keuangan berkelanjutan
Sustainable financial performance
Pendidikan dan pelatihan
Education and training
Ketenagakerjaan
Employment
Privasi nasabah
Customer privacy
Anti korupsi
Anti-Corruption
Kinerja lingkungan
Environmental performance
Mohon berikan saran, usul, atau komentar Anda atas Laporan ini: [OJK G.3]
Please provide your suggestions, suggestions, or comments on this report: [OJK G.3]
_______________________________________________________________________________________________
_______________________________________________________________________________________________
_______________________________________________________________________________________________
Tanggapan Terhadap Umpan Balik Laporan
Keberlanjutan Tahun Sebelumnya
Responses to the Preceding Year’s Report Feedback [OJK G.3]
Terkait laporan keberlanjutan tahun 2022, kami tidak Regarding the 2022 sustainability report, we did not receive
mendapatkan umpan balik. Namun demikian, Bank senantiasa any feedback. Nevertheless, the Bank is always open to
membuka diri untuk feedback dan masukan untuk kemajuan feedback and input for the progress of the report by providing
laporan dengan menyediakan form dan sarana bagi para forms and channels for stakeholders to provide their input.
pemangku kepentingan untuk menyampaikan masukan-
masukan mereka.
PT Bank Maspion Indonesia Tbk
Integated Report 2024 479
Page 480
Page 481
Halaman Ini Sengaja Dikosongkan This Page Is Intentionally Left Blank
Page 482
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Page 484
Page 485
PT BANK MASPION INDONESIA TBK
L A P O R A N K E U A N G A N/
FINANCIAL STATEMENTS
UNTUK TAHUN YANG BERAKHIR PADA 31 DESEMBER 2024/
FOR THE YEAR ENDED 31 DECEMBER 2024
D A N/
AND
LAPORAN AUDITOR INDEPENDEN/
INDEPENDENT AUDITORS’ REPORT
Page 486
These Financial Statements are Originally Issued
in Indonesian Language
PT BANK MASPION INDONESIA TBK PT BANK MASPION INDONESIA TBK
LAPORAN KEUANGAN FINANCIAL STATEMENTS
UNTUK TAHUN YANG BERAKHIR PADA FOR THE YEAR ENDED
31 DESEMBER 2024 31 DECEMBER 2024
(Disajikan dalam ribuan Rupiah, kecuali dinyatakan lain) (Expressed in thousands of Rupiah, unless otherwise stated)
DAFTAR ISI CONTENTS
Pernyataan Direksi Director’s Statement
Ekshibit/
Exhibit
Laporan Posisi Keuangan A Statements of Financial Position
Laporan Laba Rugi dan Penghasilan Statements of Profit or Loss and Other
Komprehensif Lain B Comprehensive Income
Laporan Perubahan Ekuitas C Statements of Changes in Equity
Laporan Arus Kas D Statements of Cash Flows
Catatan atas Laporan Keuangan E Notes to Financial Statements
Laporan Auditor Independen Independent Auditors’ Report
Page 487
Page 488
These Financial Statements are Originally Issued
in Indonesian Language
Ekshibit A Exhibit A
PT BANK MASPION INDONESIA TBK PT BANK MASPION INDONESIA TBK
LAPORAN POSISI KEUANGAN STATEMENT OF FINANCIAL POSITION
31 DESEMBER 2024 31 DECEMBER 2024
(Disajikan dalam ribuan Rupiah, kecuali dinyatakan lain) (Expressed in thousands of Rupiah, unless otherwise stated)
31 Desember 2024/ Catatan/ 31 Desember 2023/
31 December 2024 Notes 31 December 2023
ASET ASSETS
Kas 137.959.584 4 76.592.175 Cash
Giro pada Bank Indonesia 831.846.950 5 1.070.749.633 Current accounts with Bank Indonesia
Giro pada bank lain 6 Current accounts with other banks
Pihak berelasi 7.152.040 2.064.816 Related party
Pihak ketiga 138.158.086 94.732.198 Third parties
Jumlah giro pada bank lain 145.310.126 96.797.014 Total current account with other banks
Cadangan kerugian penurunan nilai ( 68.741) ( 17.947) Allowance for impairment losses
145.241.385 96.779.067
Penempatan pada Bank Indonesia dan Placements with Bank
bank lain 216.475.726 7 399.941.701 Indonesia and other banks
Cadangan kerugian penurunan nilai ( 22.493) - Allowance for impairment losses
216.453.233 399.941.701
Efek-efek 3.015.139.404 8 2.431.540.231 Marketable securities
Efek-efek yang dibeli dengan janji Securities purchased under
dijual kembali 9 agreements to resell
Dibatasi penggunaannya 26.164.123 19.907.991 Restricted use
Tidak dibatasi penggunaannya 766.560.148 1.389.447.127 Unrestricted use
Jumlah efek-efek yang dibeli dengan Total securities purchased under
janji dijual kembali 792.724.271 1.409.355.118 agreement to resell
Tagihan akseptasi 10 Acceptance receivables
Pihak berelasi 1.147.215 257.803 Related party
Pihak ketiga 1.427.964 3.660.565 Third parties
Jumlah tagihan akseptasi 2.575.179 3.918.368 Total acceptance receivables
Cadangan kerugian penurunan nilai ( 8.708) ( 1.273.254) Allowance for impairment losses
2.566.471 2.645.114
Kredit yang diberikan 11 Loans
Pihak berelasi 113.000.000 113.192.843 Related parties
Pihak ketiga 16.325.254.291 13.133.246.332 Third parties
Jumlah kredit yang diberikan 16.438.254.291 13.246.439.175 Total loans
Cadangan kerugian penurunan nilai ( 463.372.785) ( 135.177.010) Allowance for impairment losses
15.974.881.506 13.111.262.165
Bunga yang akan diterima 86.390.328 12 88.763.505 Interest receivables
Cadangan kerugian penurunan nilai ( 52.049) ( 66.069) Allowance for impairment losses
86.338.279 88.697.436
Beban dibayar di muka 38.282.135 13 23.775.167 Prepaid expenses
Aset tetap 14 Fixed assets
Nilai tercatat 486.379.447 497.035.533 Carrying amount
Akumulasi penyusutan ( 67.189.550) ( 71.800.201) Accumulated depreciation
419.189.897 425.235.332
Aset tak berwujud 15 Intangible assets
Nilai tercatat 15.101.453 13.795.938 Carrying amount
Akumulasi amortisasi ( 10.433.752) ( 8.594.101) Accumulated amortization
4.667.701 5.201.837
Aset pajak tangguhan 90.138.611 21c 22.718.477 Deferred tax assets
Aset lain-lain 549.620.585 16 501.469.513 Other assets
JUMLAH ASET 22.305.050.012 19.665.962.966 TOTAL ASSETS
Lihat Catatan atas laporan keuangan pada Ekshibit E See accompanying Notes to financial statements
yang merupakan bagian yang tidak terpisahkan dari on Exhibit E which are an integral part of
laporan keuangan secara keseluruhan. the financial statements taken as a whole.
Page 489
Page 490
Page 491
These Financial Statements are Originally Issued
in Indonesian Language
Ekshibit C Exhibit C
PT BANK MASPION INDONESIA TBK PT BANK MASPION INDONESIA TBK
LAPORAN PERUBAHAN EKUITAS STATEMENT OF CHANGES IN EQUITY
UNTUK TAHUN YANG BERAKHIR PADA 31 DESEMBER 2024 FOR THE YEAR ENDED 31 DECEMBER 2024
(Disajikan dalam ribuan Rupiah, kecuali dinyatakan lain) (Expressed in thousands of Rupiah, unless otherwise stated)
Penghasilan komprehensif lain/
Other comprehensive income
Keuntungan
(kerugian)
perubahan nilai aset
keuangan yang
diukur pada nilai
wajar melalui
penghasilan
komprehensif lain,
setelah pajak/
Kerugian aktuarial Unrealized gain
atas liabilitas (loss) on changes in
Modal ditempatkan Saldo laba/ imbalan kerja, Selisih lebih value of financial
dan disetor penuh/ Tambahan modal Retained earnings setelah pajak/ revaluasi aset assets at fair value
Issued and fully disetor, bersih/ Telah ditentukan Belum ditentukan Actuarial loss on tetap/ through other
Catatan/ paid-up share Additional paid-in penggunaannya/ penggunaannya/ employee benefits Revaluation surplus comprehensive Jumlah ekuitas/
Notes capital capital, net Appropriated Unappropriated liability, net of tax of fixed assets income, net of tax Total equity
Saldo 1 Januari 2023 862.031.538 1.586.752.423 22.000.000 554.638.313 ( 28.795.829) 158.396.888 ( 2.409.185) 3.152.614.148 Balance as of 1 January 2023
Penambahan modal melalui HMETD II - Additional shares through Limited Public Offering II
setelah dikurangi biaya emisi saham 24 948.234.692 2.554.090.546 - - - - - 3.502.325.238 with pre-emptive rights deducted shares issuance cost
Pembentukan cadangan umum 23d - - 3.000.000 ( 3.000.000) - - - - Appropriation for general reserve
Laba tahun berjalan - - - 63.253.410 - - - 63.253.410 Income for the year
Transfer selisih lebih revaluasi Transfer of revaluation
aset tetap ke saldo laba 14 - - - 1.669.603 - ( 1.669.603) - - surplus of fixed assets to retained earnings
Kerugian komprehensif lain, setelah pajak - - - - ( 472.978) ( 3.219.127) 8.156.826 4.464.721 Other comprehensive loss, net of tax
Saldo 31 Desember 2023 1.810.266.230 4.140.842.969 25.000.000 616.561.326 ( 29.268.807) 153.508.158 5.747.641 6.722.657.517 Balance as of 31 December 2023
Additional shares through Limited Public
Pembentukan cadangan umum 23d - - 3.000.000 ( 3.000.000) - - - - Appropriation for general reserve
Rugi tahun berjalan - - - ( 247.211.570) - - - ( 247.211.570) Loss for the year
Transfer selisih lebih revaluasi Transfer of revaluation
aset tetap ke saldo laba 14 - - - 3.734.611 - ( 3.734.611) - - surplus of fixed assets to retained earnings
Kerugian komprehensif lain, setelah pajak - - - - ( 1.671.537) ( 1.888.486) ( 8.299.071) ( 11.859.094) Other comprehensive loss, net of tax
Saldo 31 Desember 2024 1.810.266.230 4.140.842.969 28.000.000 370.084.367 ( 30.940.344) 147.885.061 ( 2.551.430) 6.463.586.853 Balance as of 31 December 2024
Lihat Catatan atas laporan keuangan pada Ekshibit E See accompanying Notes to financial statements
yang merupakan bagian yang tidak terpisahkan dari on Exhibit E which are an integral part of
laporan keuangan secara keseluruhan. the financial statements taken as whole.
Page 492
These Financial Statements are Originally Issued
in Indonesian Language
Ekshibit D Exhibit D
PT BANK MASPION INDONESIA TBK PT BANK MASPION INDONESIA TBK
LAPORAN ARUS KAS STATEMENT OF CASH FLOWS
UNTUK TAHUN YANG BERAKHIR PADA 31 DESEMBER 2024 FOR THE YEAR ENDED 31 DECEMBER 2024
(Disajikan dalam ribuan Rupiah, kecuali dinyatakan lain) (Expressed in thousands of Rupiah, unless otherwise stated)
Catatan/
2024 Notes 2023
ARUS KAS DARI AKTIVITAS CASH FLOWS FROM
OPERASI OPERATING ACTIVITIES
Penerimaan bunga, provisi dan komisi 1.546.398.282 1.200.057.079 Receipts of interest, fees and commissions
Penerimaan dari pendapatan operasional lainnya 56.104.945 52.104.004 Receipts of other operating income
Pembayaran dari beban non-operasional, bersih ( 829.298) ( 388.228) Payments of non-operating loss, net
Pembayaran bunga, provisi dan komisi ( 793.420.478) ( 653.811.363) Payments of interest, fees and commissions
Pembayaran gaji dan tunjangan ( 281.985.895) ( 203.382.759) Payments of salaries and employee benefits
Pembayaran beban umum dan administrasi ( 413.365.630) ( 178.211.845) Payments of general and administrative expenses
Pembayaran pajak ( 13.231.721) ( 25.773.121) Payments of tax
Penerimaan kas sebelum perubahan aset Cash receipt before changes in operating
dan liabilitas operasi 99.670.205 190.593.767 assets and liabilities
Penurunan (kenaikan) dalam aset operasi: Decrease (increase) in operating assets:
Kredit yang diberikan ( 3.242.982.535) ( 4.463.887.370) Loans
Tagihan akseptasi 1.343.189 9.711.757 Acceptance receivables
Aset lain-lain ( 57.715.640) ( 22.206.779) Other assets
Kenaikan (penurunan) dalam liabilitas operasi: Increase (decrease) in operating liabilities:
Liabilitas segera ( 4.493.159) ( 7.943.445) Liabilities due immediately
Simpanan dari nasabah 2.218.943.293 113.120.532 Deposits from customers
Simpanan dari bank lain 669.672.006 960.305.561 Deposits from other banks
Liabilitas akseptasi ( 1.343.189) ( 9.711.757) Acceptance liabilities
Utang pajak 2.791.413 5.237.754 Taxes payable
Liabilitas lain-lain 12.018.136 33.893.118 Other liabilities
Kas neto digunakan untuk aktivitas operasi ( 302.096.281) ( 3.190.886.862) Net cash used in operating activities
ARUS KAS DARI AKTIVITAS INVESTASI CASH FLOWS FROM INVESTING ACTIVITIES
Pembelian efek-efek ( 617.865.000) 8 - Purchase of marketable securities
Penjualan (pembelian) efek-efek yang dibeli Sale (purchase) of securities purchased
dengan janji dijual kembali 616.630.847 9 ( 898.119.096) under agreement to resell
Penambahan aset tetap ( 18.676.190) 14 ( 15.398.991) Acquisition of fixed assets
Penambahan aset tak berwujud ( 1.305.515) 15 - Acquisition of intangible assets
Penerimaan dari penjualan aset tetap 7.570.304 76.752 Proceeds from sale of fixed assets
Kas neto digunakan untuk aktivitas investasi ( 13.645.554) ( 913.441.335) Net cash used in investing activities
ARUS KAS DARI AKTIVITAS PENDANAAN CASH FLOWS FROM FINANCING ACTIVITIES
Proceeds from additional shares through Limited Public
Penerimaan dari penambahan modal melalui HMETD III - 24 3.508.468.361 Offering III with pre-emptive rights
Biaya emisi efek ekuitas - 24 ( 6.143.123) Stock issuance cost
Kas neto diperoleh dari aktivitas pendanaan - 3.502.325.238 Net cash provided by financing activities
Penurunan neto kas dan setara kas ( 315.741.835) ( 602.002.959) Net decrease in cash and cash equivalents
Kas dan setara kas pada awal tahun 1.644.080.523 2.246.910.747 Cash and cash equivalents at beginning of year
Pengaruh perubahan kurs mata uang asing Effect of foreign currency exchange rate changes
sehubungan dengan kas dan setara kas 3.253.698 ( 827.265) related to cash and cash equivalents
Kas dan setara kas pada akhir tahun 1.331.592.386 1.644.080.523 Cash and cash equivalents at end of year
Kas dan setara kas terdiri dari: Cash and cash equivalents consist of:
Kas 137.959.584 4 76.592.175 Cash
Giro pada Bank Indonesia 831.846.950 5 1.070.749.633 Current accounts with Bank Indonesia
Giro pada bank lain 145.310.126 6 96.797.014 Current accounts with other banks
Penempatan pada Bank Indonesia dan bank lain 216.475.726 7 399.941.701 Placements with Bank Indonesia and other banks
Kas dan setara kas pada akhir tahun 1.331.592.386 1.644.080.523 Cash and cash equivalents at end of year
Lihat Catatan atas laporan keuangan pada Ekshibit E See accompanying Notes to financial statements
yang merupakan bagian yang tidak terpisahkan dari on Exhibit E which are an integral part of
laporan keuangan secara keseluruhan. the financial statements taken as a whole.
Page 493
These Financial Statements are Originally Issued
in Indonesian Language
Ekshibit E Exhibit E
PT BANK MASPION INDONESIA TBK PT BANK MASPION INDONESIA TBK
CATATAN ATAS LAPORAN KEUANGAN NOTES TO FINANCIAL STATEMENTS
UNTUK TAHUN YANG BERAKHIR PADA FOR THE YEAR ENDED
31 DESEMBER 2024 31 DECEMBER 2024
(Disajikan dalam ribuan Rupiah, kecuali dinyatakan lain) (Expressed in thousands of Rupiah, unless otherwise stated)
1. INFORMASI UMUM 1. GENERAL INFORMATION
a. Pendirian dan informasi umum a. Establishment and general information
PT Bank Maspion Indonesia Tbk (“Bank”) PT Bank Maspion Indonesia Tbk (the “Bank”)
didirikan pada tanggal 6 November 1989 was established on 6 November 1989 based on
berdasarkan Akta Notaris Soetjipto, S.H., No. 68 Notarial Deed No. 68 of Soetjipto, S.H., which
yang diubah dengan Akta Notaris No. 49 pada was amended by Notarial Deed No. 49 dated
tanggal 5 Desember 1989 oleh notaris yang 5 December 1989 of the same notary. The deed
sama. Akta pendirian beserta perubahan of establishment and amendment were
tersebut telah disahkan oleh Menteri Kehakiman approved by the Ministry of Justice of the
Republik Indonesia melalui Surat Keputusan Republic of Indonesia in its Decision Letter
No. C2-2292.HT.01.01-Th.90 pada tanggal No. C2-2292.HT.01.01-Th.90 dated 18 April
18 April 1990, serta diumumkan dalam 1990, and was published in Supplement
Lembaran Berita Negara Republik Indonesia No. 4560 of the State Gazette No. 90 dated
No. 90 pada tanggal 9 November 1990, 9 November 1990.
Tambahan No. 4560.
Untuk memenuhi ketentuan Undang-undang In compliance with Indonesian Limited Liability
No. 40 Tahun 2007 tentang Perseroan Terbatas, Company Law No. 40 Year 2007, Bank’s Articles
telah dilakukan penyesuaian terhadap Anggaran of Association has been amended. The
Dasar Bank. Penyesuaian tersebut dinyatakan amendment was covered by Notarial Deed
dalam Akta Notaris No. 66 pada tanggal No. 66 dated 15 August 2008 of Sitaresmi
15 Agustus 2008 yang dibuat di hadapan Puspadewi Subianto, S.H., a notary in
Sitaresmi Puspadewi Subianto, S.H., notaris di Surabaya, and was approved by the Ministry of
Surabaya dan telah mendapat persetujuan dari Laws and Human Rights of the Republic of
Menteri Hukum dan Hak Asasi Manusia Republik Indonesia, in its decision letter No. AHU-
Indonesia, dengan Surat Keputusan No. AHU- 41847.AH.01.02 Year 2009 dated 27 August
41847.AH.01.02 Tahun 2009 pada tanggal 2009 and was published in Supplement
27 Agustus 2009 dan telah diumumkan dalam No. 27492 of the State Gazette No. 93 dated
Berita Negara Republik Indonesia No. 93 tanggal 20 November 2009.
20 November 2009 Tambahan No. 27492.
Anggaran Dasar Bank telah mengalami beberapa The Bank’s Articles of Association has been
kali perubahan, terakhir melalui Akta amended several times, most recently by the
Pernyataan Keputusan Rapat yang dibuat di Deed of Statement of Resolutions made before
hadapan Notaris Anita Anggawidjaja, S.H., Anita Anggawidjaja, S.H., No. 106 dated
No. 106 pada tanggal 27 Juni 2023 mengenai 27 June 2023 regarding the increase in the
peningkatan modal dasar Bank. Perubahan Bank’s authorized capital. This amendment was
tersebut telah mendapat persetujuan dari approved by the Ministry of Laws and Human
Menteri Hukum dan Hak Asasi Manusia Republik Rights of the Republic of Indonesia in its
Indonesia dengan Surat Keputusan Decision Letter No. AHU-0036570.AH.01.02
No. AHU-0036570.AH.01.02 Tahun 2023 tanggal Year 2023 dated 27 June 2023.
27 Juni 2023.
Sesuai dengan Pasal 3 Anggaran Dasar Bank, Based on Article 3 of the Bank’s Articles of
ruang lingkup kegiatan Bank adalah Association, the scope of activities of the Bank
menjalankan kegiatan umum perbankan sesuai is to engage in general banking activities in
dengan undang-undang dan peraturan yang accordance with the prevailing laws and
berlaku. regulations.
Pada tanggal 31 Desember 2024 dan 2023, As of 31 December 2024 and 2023, Kasikornbank
Kasikornbank Public Company Limited, yang Public Company Limited, incorporated in
didirikan di Bangkok, Thailand, adalah entitas Bangkok, Thailand, is the ultimate parent of
induk akhir (ultimate parent) dari Bank. the Bank.
Bank memperoleh izin usaha untuk beroperasi The Bank obtained its operating license in
sebagai bank umum berdasarkan Surat general banking from the Ministry of Finance of
Keputusan Menteri Keuangan Republik the Republic of Indonesia in its Decision Letter
Indonesia No. 827/KMK.013/1990 pada tanggal No. 827/KMK.013/1990 dated 30 July 1990,
30 Juli 1990 dan kemudian berdasarkan Surat while it obtained its license to engage in
Keputusan Bank Indonesia No. 28/46/KEP/DIR foreign currency transactions through Bank
pada tanggal 28 Juli 1995, Bank memperoleh Indonesia Letter No. 28/46/KEP/DIR dated
izin untuk menjalankan aktivitas sebagai bank 28 July 1995.
devisa.
Page 494
These Financial Statements are Originally Issued
in Indonesian Language
Ekshibit E/2 Exhibit E/2
PT BANK MASPION INDONESIA TBK PT BANK MASPION INDONESIA TBK
CATATAN ATAS LAPORAN KEUANGAN NOTES TO FINANCIAL STATEMENTS
UNTUK TAHUN YANG BERAKHIR PADA FOR THE YEAR ENDED
31 DESEMBER 2024 31 DECEMBER 2024
(Disajikan dalam ribuan Rupiah, kecuali dinyatakan lain) (Expressed in thousands of Rupiah, unless otherwise stated)
1. INFORMASI UMUM (Lanjutan) 1. GENERAL INFORMATION (Continued)
a. Pendirian dan informasi umum (Lanjutan) a. Establishment and general information
(Continued)
Bank memulai operasi komersialnya pada The Bank started its commercial operations
tahun 1990. in 1990.
Kantor pusat Bank berlokasi di Pakuwon Tower, The Bank’s head office is located at Pakuwon
Tunjungan Plaza 6 Lantai 32 dan 33, Jalan Tower, Tunjungan Plaza 6 Floors 32 and 33,
Embong Malang No. 21-31, Kelurahan Embong Malang Street No. 21-31, Kedungdoro
Kedungdoro, Kecamatan Tegalsari, Surabaya Subdistrict, Tegalsari District, Surabaya 60261
60261 (31 Desember 2023: Jalan Basuki (31 December 2023: Jalan Basuki Rahmat
Rahmat No. 50 - 54, Surabaya). Pada tanggal No. 50 - 54, Surabaya). As of 31 December 2024
31 Desember 2024 dan 2023, Bank memiliki and 2023, the Bank had the branch office in
kantor cabang di Indonesia sebagai berikut: Indonesia are as follows:
31 Desember/ 31 Desember/
December December
2024 2023
Kantor Cabang *) 13 13 Branch Office *)
Kantor Cabang Pembantu 37 44 Sub-Branch Office
Kantor Fungsional UMKM 3 2 SME Fuctional Office
Anjungan Tunai Mandiri (ATM) 63 75 Automatic Teller Machine (ATM)
Cash Recycling Machine 2 4 Cash Recycling Machine
*) Surabaya, Jakarta, Tangerang, *) Surabaya, Jakarta, Tangerang,
Semarang, Denpasar, Medan, Bandung, Semarang, Denpasar, Medan, Bandung,
Makassar, Malang, Solo, Purwokerto, Makassar, Malang, Solo, Purwokerto,
Palembang dan Jember Palembang and Jember
b. Penawaran saham Bank kepada Publik b. Public Offering of the Bank’s shares
Berdasarkan Surat Otoritas Jasa Keuangan Based on letter No. S-194/D.04/2013 of the
Indonesia (“OJK”) No. S-194/D.04/2013 tanggal Indonesia Financial Services Authority (“OJK”)
27 Juni 2013, pernyataan pendaftaran yang dated 27 June 2013, the registration statement
diajukan Bank dalam rangka penawaran umum submitted by the Bank relating to the Initial
perdana saham kepada masyarakat sejumlah Public Offering of 770,000,000 shares at Rp100
770.000.000 saham dengan nilai nominal (full Rupiah) per share with selling price of
sebesar Rp100 (Rupiah penuh) per saham Rp320 (full Rupiah) per share became effective
dengan harga penawaran sebesar Rp320 (Rupiah on 27 June 2013. The shares which were offered
penuh) per saham telah menjadi efektif pada to the public, were listed and traded on the
tanggal 27 Juni 2013. Saham yang ditawarkan Indonesia Stock Exchange on 11 July 2013.
tersebut dicatatkan dan mulai diperdagangkan
di Bursa Efek Indonesia pada tanggal
11 Juli 2013.
Untuk meningkatkan permodalan Bank yang To increase the capital of the Bank, which
berdampak terhadap peningkatan jumlah resulted in increased number of shares, the
saham, Bank telah melakukan aksi korporasi Bank has conducted corporate action, Limited
berupa Penawaran Umum Terbatas I dengan Public Offering I with pre-emptive rights.
memberikan Hak Memesan Efek Terlebih Dahulu
(“HMETD”).
Page 495
These Financial Statements are Originally Issued
in Indonesian Language
Ekshibit E/3 Exhibit E/3
PT BANK MASPION INDONESIA TBK PT BANK MASPION INDONESIA TBK
CATATAN ATAS LAPORAN KEUANGAN NOTES TO FINANCIAL STATEMENTS
UNTUK TAHUN YANG BERAKHIR PADA FOR THE YEAR ENDED
31 DESEMBER 2024 31 DECEMBER 2024
(Disajikan dalam ribuan Rupiah, kecuali dinyatakan lain) (Expressed in thousands of Rupiah, unless otherwise stated)
1. INFORMASI UMUM (Lanjutan) 1. GENERAL INFORMATION (Continued)
b. Penawaran saham Bank kepada Publik b. Public Offering of the Bank’s shares
(Lanjutan) (Continued)
Berdasarkan Surat Otoritas Jasa Keuangan Based on letter No. S-557/D.04/2016 of
Indonesia (OJK) No. S-557/D.04/2016 pada Financial Services Authority dated
tanggal 30 September 2016, Pernyataan 30 September 2016, the registration statement
Pendaftaran yang diajukan Bank dalam rangka submitted by the Bank relating to the
Penambahan Modal dengan memberikan HMETD additional capital with pre-emptive rights at
dalam jumlah maksimum 600.000.000 saham maximum of 600,000,000 common registered
biasa atas nama dengan harga pelaksanaan shares with exercise price of Rp340 per share
Rp340 per saham (nilai penuh) telah menjadi (full amount) became effective on
efektif pada tanggal 30 September 2016. Dari 30 September 2016. Of the pre emptive right
HMETD tersebut, 592.461.538 saham telah 592,461,538 shares have been issued.
diterbitkan.
Pada tanggal 22 Februari 2017, Bank telah On 22 February 2017, Bank has obtained
mendapatkan Surat Pemberitahuan Efektif Effective Notification Letter No. S-26/KR.041/
No. S-26/KR.041/2016 atas Perubahan 2016 on the Change of Composition of Bank’s
Komposisi Kepemilikan Modal Disetor Bank dari paid in capital Ownership of Capital Stock from
OJK (Departemen Pengawas Perbankan) atas OJK (Banking Sector Supervision Division) on
Penawaran Umum Terbatas I dengan HMETD. Limited Public Offering I with pre-emptive
rights.
Dalam rangka memenuhi Modal Inti Minimum To meet the Minimum Capital Adequacy
sesuai dengan POJK No. 12/POJK.03/2020 commensurate with POJK No. 12/POJK.03/2020
tentang Konsolidasi Bank Umum, Bank concerning Commercial Banks Consolidation,
melaksanakan aksi korporasi berupa Bank has conducted corporate action in the
Penambahan Modal melalui HMETD II sejumlah form of a Capital Increase through Pre-emptive
4.176.853.845 saham baru dengan harga Rights II in the amount of 4,176,853,845 new
pelaksanaan Rp410 per saham (Rupiah penuh). common shares with exercise price of
Pernyataan pendaftaran yang diajukan oleh Rp410 per share (full amount). The registration
Bank telah menjadi efektif sesuai statement submitted by the Bank has become
dengan Surat Pemberitahuan Efektif OJK effective conforming to the OJK (Capital
(Pengawas Pasar Modal) No. S-234/D.04/2022 Market Sector Supervision Division) Effective
tanggal 10 November 2022. Pada tanggal Notification Letter No. S-234/D.04/2022
7 Desember 2022, OJK Perbankan sudah dated 10 November 2022. On 7 December 2022,
menyetujui perubahan komposisi permodalan OJK (Banking Sector) has approved the
dan kepemilikan Bank melalui Surat amendment to the composition of the Bank’s
No. SR-91/KR.041/2022. capital and ownership through Letter
No. SR-91/KR.041/2022.
Bank telah melakukan aksi korporasi berupa Bank has conducted corporate action, Limited
Penawaran Umum Terbatas III dengan Public Offering III with pre-emptive rights
memberikan Hak Memesan Efek Terlebih Dahulu in the amount of 9,482,346,921 new
(“HMETD”) sejumlah 9.482.346.921 saham baru common shares with exercise price of
dengan harga pelaksanaan Rp370 per saham Rp370 per share (full amount). The registration
(Rupiah penuh). Pernyataan pendaftaran yang statement submitted by the Bank has become
diajukan oleh Bank telah menjadi efektif sesuai effective conforming to the OJK (Capital
dengan Surat Pemberitahuan Efektif OJK Market Sector Supervision Division) Effective
(Pengawas Pasar Modal) No. S-342/D.04/2023 Notification Letter No. S-342/D.04/2023
tanggal 25 Oktober 2023. Pada tanggal dated 25 October 2023. On 15 December 2023,
15 Desember 2023, OJK Perbankan sudah OJK (Banking Sector) has approved the
menyetujui perubahan komposisi permodalan amendment to the composition of the Bank’s
dan kepemilikan Bank melalui Surat capital and ownership through Letter
No. SR-11/KO.141/2023. No. SR-11/KO.141/2023.
Page 496
These Financial Statements are Originally Issued
in Indonesian Language
Ekshibit E/4 Exhibit E/4
PT BANK MASPION INDONESIA TBK PT BANK MASPION INDONESIA TBK
CATATAN ATAS LAPORAN KEUANGAN NOTES TO FINANCIAL STATEMENTS
UNTUK TAHUN YANG BERAKHIR PADA FOR THE YEAR ENDED
31 DESEMBER 2024 31 DECEMBER 2024
(Disajikan dalam ribuan Rupiah, kecuali dinyatakan lain) (Expressed in thousands of Rupiah, unless otherwise stated)
1. INFORMASI UMUM (Lanjutan) 1. GENERAL INFORMATION (Continued)
c. Manajemen Eksekutif c. Executive Boards
Susunan Dewan Komisaris dan Direksi Bank pada The composition of the Boards of
tanggal 31 Desember 2024 dan 2023 yang Commissioners and Directors of the Bank as of
ditetapkan berdasarkan Akta Pernyataan 31 December 2024 and 2023 in accordance with
Keputusan Rapat No. 1 tanggal the Deed of Statement of Meeting Resolutions
2 Januari 2023 sebagaimana tercantum di Akta No. 1 dated 2 January 2023 as stated under the
Notaris Anita Anggawidjaja, S.H., adalah Notarial Deed of Anita Anggawidjaja, S.H., is as
sebagai berikut: follows:
Dewan Komisaris Board of Commissioners
Komisaris Utama Chat Luangarpa President Commissioner
Komisaris Diana Alim Commissioner
Komisaris Independen Muhammad Pujiono Santoso Independent Commissioner
Komisaris Independen Alan Jenviphakul Independent Commissioner
Komisaris Independen Pardi Kendy Independent Commissioner
Direksi Directors
Direktur Utama Kasemsri Charoensiddhi President Director
Direktur Endah Winarni Director
Direktur Kepatuhan (Independen) Viktor Ebenheizer Fanggidae Compliance Director (Independent)
Direktur Iis Herijati Director
Direktur Ivan Adrian Sumampouw Director
Susunan Komite Audit pada tanggal The composition of Audit Committee as
31 Desember 2024 berdasarkan surat keputusan of 31 December 2024 based on the
Direksi No. 055/SK/DIR/06/2024 pada tanggal Board of Directors’ decision letter
3 Juni 2024, yang berlaku sejak No. 055/SK/DIR/06/2024 dated 3 June 2024,
3 Juni 2024 adalah sebagai berikut: which was applied since 3 June 2024 is as
follows:
Komite Audit Audit Committee
Ketua Alan Jenviphakul Head
Anggota Pardi Kendy Member
Anggota M. Imam Sofyan Member
Anggota Rony Teja Sukmana Member
Susunan Komite Audit pada tanggal The composition of Audit Committee as
31 Desember 2023 berdasarkan surat keputusan of 31 December 2023 based on the
Direksi No. 015/SK/DIR/03/2023 pada tanggal Board of Directors’ decision letter
2 Maret 2023, yang berlaku sejak 2 Maret 2023 No. 015/SK/DIR/03/2023 dated 2 March 2023,
adalah sebagai berikut: which was applied since 2 March 2023 is as
follows:
Komite Audit Audit Committee
Ketua Alan Jenviphakul Head
Anggota Muhammad Pujiono Santoso Member
Anggota Pardi Kendy Member
Anggota Robby Bumulo Member
Anggota M. Imam Sofyan Member
Page 497
These Financial Statements are Originally Issued
in Indonesian Language
Ekshibit E/5 Exhibit E/5
PT BANK MASPION INDONESIA TBK PT BANK MASPION INDONESIA TBK
CATATAN ATAS LAPORAN KEUANGAN NOTES TO FINANCIAL STATEMENTS
UNTUK TAHUN YANG BERAKHIR PADA FOR THE YEAR ENDED
31 DESEMBER 2024 31 DECEMBER 2024
(Disajikan dalam ribuan Rupiah, kecuali dinyatakan lain) (Expressed in thousands of Rupiah, unless otherwise stated)
1. INFORMASI UMUM (Lanjutan) 1. GENERAL INFORMATION (Continued)
c. Manajemen Eksekutif (Lanjutan) c. Executive Boards (Continued)
Susunan Komite Pemantau Risiko pada The composition of Risk Monitoring Committee
tanggal 31 Desember 2024 berdasarkan surat as of 31 December 2024 based on
keputusan Direksi No. 130/SK/DIR/10/2024 the Board of Directors’ decision letter
pada tanggal 1 Oktober 2024 yang berlaku sejak No. 130/SK/DIR/10/2024 dated 1 October 2024
1 Oktober 2024, susunan Komite Pemantau which was applied since 1 October 2024, the
Risiko adalah sebagai berikut: composition of Risk Monitoring Committee is as
follows:
Komite Pemantau Risiko Risk Monitoring Committee
Ketua Alan Jenviphakul Head
Anggota Chat Luangarpa Member
Anggota Diana Alim Member
Anggota Muhammad Pujiono Santoso Member
Anggota Wijani Tjendro Member
Anggota Anggraeni Member
Susunan Komite Pemantau Risiko pada The composition of Risk Monitoring Committee
tanggal 31 Desember 2023 berdasarkan Surat as of 31 December 2023 based on
Keputusan Direksi No. 014/SK/DIR/02/2023 the Board of Directors’ Decision Letter
tanggal 9 Februari 2023, yang berlaku sejak No. 014/SK/DIR/02/2023 dated 9 February
9 Februari 2023 adalah sebagai berikut: 2023, which was applied since 9 February 2023
is as follows:
Komite Pemantau Risiko Risk Monitoring Committee
Ketua Alan Jenviphakul Head
Anggota Chat Luangarpa Member
Anggota Diana Alim Member
Anggota Muhammad Pujiono Santoso Member
Anggota Supranoto Dipokusumo Member
Anggota Anggraeni Member
Susunan Komite Remunerasi dan Nominasi pada The composition of Remuneration and
tanggal 31 Desember 2024 dan 2023 Nomination Committee as of 31 December 2024
berdasarkan surat keputusan Direksi and 2023 based on the Board of Directors’
No. 036/SK/KOM/07/2023 tanggal 27 Juli 2023 Decision Letter No. 036/SK/KOM/07/2023
yang kemudian digantikan dengan surat dated 27 July 2023 which renewed to the Board
keputusan Direksi No. 101/SK/KOM/07/2024 of Directors’ Decision Letter
tanggal 14 Agustus 2024, yang berlaku sejak No. 101/SK/KOM/07/2024 dated 14 August
19 Agustus 2024 adalah sebagai berikut: 2024, which was applied since 19 August 2024
were as follows:
Komite Remunerasi dan Nominasi Remuneration and Nomination Committee
Ketua Pardi Kendy Head
Sekretaris Erwin Kristianto Julistiono Secretary
Anggota Chat Luangarpa Member
Anggota Alan Jenviphakul Member
Anggota Diana Alim Member
Anggota Marlyn Tanralili Member
Berdasarkan Surat Keputusan Direksi Based on the Board of Directors’ Decision Letter
No. 035/SK/DIR/06/2020 tanggal 12 Juni 2020 No. 035/SK/DIR/06/2020 dated 12 June 2020
yang berlaku sejak 15 Juni 2020 Sekretaris which was applied since 15 June 2020 the
Perusahaan pada tanggal 31 Desember 2024 dan Corporate Secretary as of 31 December 2024
2023 adalah Iwan Djayawasita. and 2023 is Iwan Djayawasita.
Pada tanggal 31 Desember 2024 dan As of 31 Desember 2024 and 2023, the Head of
2023, Kepala Satuan Kerja Audit Internal adalah Internal Audit is Marsel Adianto (Marcel
Marsel Adianto (Marcel Adianto) Adianto), based on the Board of Directors’
berdasarkan Surat Keputusan Direksi Decision Letter No. 045A/SK/DIR/09/2012
No.045A/SK/DIR/09/2012 pada tanggal dated 25 September 2012.
25 September 2012.
Page 498
These Financial Statements are Originally Issued
in Indonesian Language
Ekshibit E/6 Exhibit E/6
PT BANK MASPION INDONESIA TBK PT BANK MASPION INDONESIA TBK
CATATAN ATAS LAPORAN KEUANGAN NOTES TO FINANCIAL STATEMENTS
UNTUK TAHUN YANG BERAKHIR PADA FOR THE YEAR ENDED
31 DESEMBER 2024 31 DECEMBER 2024
(Disajikan dalam ribuan Rupiah, kecuali dinyatakan lain) (Expressed in thousands of Rupiah, unless otherwise stated)
1. INFORMASI UMUM (Lanjutan) 1. GENERAL INFORMATION (Continued)
c. Manajemen Eksekutif (Lanjutan) c. Executive Boards (Continued)
Pada tanggal 31 Desember 2024 dan 2023, As of 31 December 2024 and 2023, the Bank’s
jumlah karyawan Bank masing-masing sebesar employees were 936 and 831, respectively.
936 dan 831.
Berdasarkan kebijakan Bank, manajemen kunci Based on Bank’s policies, key management of
Bank mencakup anggota Dewan Komisaris, the Bank consists of member of the Board of
Direksi, Chief/Deputi Direktur, Kepala Divisi Commissioners, Boards of Directors,
dan Manager Cabang. Chief/Deputy Directors, Division Heads and
Branch Managers.
2. IKHTISAR KEBIJAKAN AKUNTANSI MATERIAL 2. SUMMARY OF MATERIAL ACCOUNTING POLICIES
Kebijakan akuntansi material yang diterapkan dalam The material accounting policies adopted in
penyusunan laporan keuangan Bank adalah seperti preparing the Bank’s financial statements are set out
dijabarkan di bawah ini: below:
a. Dasar penyusunan laporan keuangan a. Basis for preparation of the financial
statements
Pernyataan kepatuhan Statement of compliance
Laporan keuangan untuk tahun yang berakhir The financial statements for the years ended
pada tanggal 31 Desember 2024 dan 2023 31 December 2024 and 2023 were prepared and
disusun dan disajikan sesuai dengan Standar presented in accordance with Indonesian
Akuntansi Keuangan di Indonesia, yang Financial Accounting Standards, which include
mencakup Pernyataan dan Interpretasi yang Statements and Interpretations issued by the
dikeluarkan oleh Dewan Standar Akuntansi Board of Financial Accounting Standards of the
Keuangan Ikatan akuntan Indonesia dan dengan Indonesian Institute of Accountants and Capital
Peraturan Badan Pengawas Pasar Modal dan Market and Financial Institutions Supervisory
Lembaga Keuangan (“Bapepam-LK”) Agency (“Bapepam-LK”) regulation No. VIII.G.7,
No. VIII.G.7, tentang “Penyajian dan regarding the “Financial Statements
Pengungkapan Laporan Keuangan Emiten atau Presentation and Disclosure for Issuers or Public
Perusahaan Publik”. Companies”.
Laporan keuangan disusun berdasarkan konsep The financial statements are prepared on the
akrual dengan menggunakan konsep nilai accrual basis using the historical cost concept
historis, kecuali dinyatakan lain dalam catatan except as otherwise disclosed in the notes to
atas laporan keuangan. the financial statements.
Laporan arus kas menyajikan arus kas dari The statement of cash flows present the
perubahan kegiatan operasi, investasi dan changes in cash from operating, investing and
pendanaan dan disusun dengan metode financing activities and are prepared using the
langsung. Untuk tujuan penyajian laporan arus direct method. For the purpose of presentation
kas, kas dan setara kas terdiri dari kas, giro of the statement of cash flows, cash and cash
pada Bank Indonesia, giro pada bank lain, equivalents consist of cash, current accounts
penempatan pada Bank Indonesia dan bank lain with Bank Indonesia, current accounts with
dan efek-efek yang jatuh tempo kurang dari other banks, placements with Bank Indonesia
atau sampai dengan 3 bulan sejak tanggal and other banks and marketable securities
perolehan, sepanjang tidak digunakan sebagai maturing less than or until 3 months of
jaminan atas pinjaman yang diterima serta acquisition date, along they are not pledged as
tidak dibatasi penggunaannya. collateral for borrowings nor restricted.
Pos-pos dalam Penghasilan Komprehensif Lain The items under Other Comprehensive Income
disajikan terpisah antara pos-pos yang akan are presented separately between items that
direklasifikasi ke laba rugi dan pos-pos yang will be reclassified to profit or loss and items
tidak akan direklasifikasi ke laba rugi. that will not be reclassified to profit or loss.
Laporan keuangan disajikan dalam mata uang The financial statements are presented in
Rupiah, yang merupakan mata uang fungsional Rupiah, which is the functional currency of the
Bank. Angka-angka yang disajikan dalam Bank. Unless otherwise stated, all figures
laporan keuangan, kecuali bila dinyatakan presented in the financial statements are
secara khusus, adalah dibulatkan dalam ribuan rounded off to thousands of Rupiah.
Rupiah.
Page 499
These Financial Statements are Originally Issued
in Indonesian Language
Ekshibit E/7 Exhibit E/7
PT BANK MASPION INDONESIA TBK PT BANK MASPION INDONESIA TBK
CATATAN ATAS LAPORAN KEUANGAN NOTES TO FINANCIAL STATEMENTS
UNTUK TAHUN YANG BERAKHIR PADA FOR THE YEAR ENDED
31 DESEMBER 2024 31 DECEMBER 2024
(Disajikan dalam ribuan Rupiah, kecuali dinyatakan lain) (Expressed in thousands of Rupiah, unless otherwise stated)
2. IKHTISAR KEBIJAKAN AKUNTANSI MATERIAL 2. SUMMARY OF MATERIAL ACCOUNTING POLICIES
(Lanjutan) (Continued)
b. Standar baru, interpretasi dan penyesuaian b. New standard, interpretation and
Standar Akuntansi Keuangan amendment of Financial Accounting Standard
- Standar, interpretasi dan amendemen - New standards, interpretations and
baru yang berlaku mulai 1 Januari 2024 amendments adopted from 1 January
2024
Dalam tahun berjalan, Bank telah In the current year, the Bank has applied,
menerapkan, sejumlah amendemen dan a number of amendments and annual
penyesuaian tahunan PSAK yang relevan improvements to PSAK that are relevant to
dengan operasinya dan efektif untuk its operations and effective for accounting
periode akuntansi yang dimulai pada atau period beginning on or after 1 January 2024,
setelah 1 Januari 2024, yaitu: are as follows:
i. PSAK 116 (amendemen), Sewa tentang i. PSAK 116 (amendment), Leases regarding
Liabilitas Sewa dalam Jual dan Sewa Balik Lease Liability in a Sale and Leaseback
Amendemen ini mengatur pengukuran PSAK 116 (amendment), Leases regarding
selanjutnya atas transaksi jual dan sewa Lease Liability in a Sale and Leaseback.
balik, mencakup penjelasan bagaimana This amendment regulates the
entitas mencatat penjualan dan subsequent measurement of sale and
penyewaan kembali setelah tanggal leaseback transactions, to explain how
transaksi. an entity records sales and leasebacks
after the date of the transaction.
Sebelum Amendemen, PSAK 116 tidak Prior to the Amendments, PSAK 116 did
membuat persyaratan pengukuran khusus not contain specific measurement
untuk kewajiban sewa yang mungkin requirements for lease liabilities that
memuat pembayaran sewa variabel yang may contain variable lease payments
timbul dalam transaksi jual dan sewa arising in a sale and leaseback
balik, seperti transaksi jual dan sewa transaction, such as sale and leaseback
kembali yang sebagian atau seluruh transactions where some or all of the
pembayaran sewanya merupakan rental payments are variable rental
pembayaran sewa variabel yang tidak payments that are not dependent on
bergantung pada indeks atau suku bunga, indexes or rates are likely to be
kemungkinan besar akan terkena impacted. In applying the subsequent
dampaknya. Dalam menerapkan measurement requirements of lease
persyaratan pengukuran kewajiban sewa liabilities to a sale and leaseback
berikutnya pada transaksi jual dan sewa transaction, the Amendments require a
balik, amendemen mengharuskan seller lessee to determine ‘lease
penjual-penyewa untuk menentukan payments’ or ‘revised lease payments’ in
’pembayaran sewa’ atau ’pembayaran a way that the seller lessee would not
sewa yang direvisi’ sedemikian rupa recognise any amount of the gain or loss
sehingga penjual-penyewa tidak akan that relates to the right of use retained
mengakui sejumlah keuntungan atau by the seller-lessee.
kerugian yang terkait dengan hak
pengguna yang dimiliki oleh penjual-
penyewa.
ii. PSAK 201 (amendemen), Penyajian ii. PSAK 201 (amendment), Presentation of
Laporan Keuangan tentang Liabilitas Financial Statements regarding Long
Jangka Panjang dengan Kovenan Term Liabilities with Covenant
Amendemen ini mengatur bahwa hanya This amendment provides that only
kovenan yang harus dipatuhi entitas pada covenants with which an entity is subject
atau sebelum tanggal pelaporan sehingga to compliance on or before the reporting
kondisi yang harus dipatuhi suatu entitas date which an entity must comply within
dalam waktu dua belas bulan setelah twelve months after the reporting
periode pelaporan mempengaruhi period affect the classification of a
klasifikasi suatu kewajiban yang akan liability, will affect the classification of
memengaruhi klasifikasi liabilitas jangka liabilities as current or non-current and
pendek atau jangka panjang serta their disclosure.
pengungkapannya.
Amendemen ini tidak mempunyai pengaruh This amendment has had no material impact
material atas pengungkapan atau jumlah- on the disclosures or amounts recognized in
jumlah yang diakui dalam laporan keuangan. the financial statements.
Page 500
These Financial Statements are Originally Issued
in Indonesian Language
Ekshibit E/8 Exhibit E/8
PT BANK MASPION INDONESIA TBK PT BANK MASPION INDONESIA TBK
CATATAN ATAS LAPORAN KEUANGAN NOTES TO FINANCIAL STATEMENTS
UNTUK TAHUN YANG BERAKHIR PADA FOR THE YEAR ENDED
31 DESEMBER 2024 31 DECEMBER 2024
(Disajikan dalam ribuan Rupiah, kecuali dinyatakan lain) (Expressed in thousands of Rupiah, unless otherwise stated)
2. IKHTISAR KEBIJAKAN AKUNTANSI MATERIAL 2. SUMMARY OF MATERIAL ACCOUNTING POLICIES
(Lanjutan) (Continued)
b. Standar baru, interpretasi dan penyesuaian b. New standard, interpretation and
Standar Akuntansi Keuangan (Lanjutan) amendment of Financial Accounting Standard
(Continued)
- Standar, interpretasi, dan amendemen - New standards, interpretations and
baru yang berlaku mulai 1 Januari 2024 amendments adopted from 1 January
(Lanjutan) 2024 (Continued)
Dalam tahun berjalan, Bank telah In the current year, the Bank has applied,
menerapkan, sejumlah amendemen dan a number of amendments and annual
penyesuaian tahunan PSAK yang relevan improvements to PSAK that are relevant to
dengan operasinya dan efektif untuk its operations and effective for accounting
periode akuntansi yang dimulai pada atau period beginning on or after 1 January 2024,
setelah 1 Januari 2024, yaitu: (Lanjutan) are as follows: (Continued)
i. PSAK 116 (amendemen), Sewa tentang i. PSAK 116 (amendment), Leases regarding
Liabilitas Sewa dalam Jual dan Sewa Balik Lease Liability in a Sale and Leaseback
(Lanjutan) (Continued)
Sebelum Amendemen, PSAK 116 tidak Prior to the Amendments, PSAK 116 did
membuat persyaratan pengukuran khusus not contain specific measurement
untuk kewajiban sewa yang mungkin requirements for lease liabilities that
memuat pembayaran sewa variabel yang may contain variable lease payments
timbul dalam transaksi jual dan sewa arising in a sale and leaseback
balik, seperti transaksi jual dan sewa transaction, such as sale and leaseback
kembali yang sebagian atau seluruh transactions where some or all of the
pembayaran sewanya merupakan rental payments are variable rental
pembayaran sewa variabel yang tidak payments that are not dependent on
bergantung pada indeks atau suku bunga, indexes or rates are likely to be
kemungkinan besar akan terkena impacted. In applying the subsequent
dampaknya. Dalam menerapkan measurement requirements of lease
persyaratan pengukuran kewajiban sewa liabilities to a sale and leaseback
berikutnya pada transaksi jual dan sewa transaction, the Amendments require a
balik, amendemen mengharuskan seller lessee to determine ‘lease
penjual-penyewa untuk menentukan payments’ or ‘revised lease payments’ in
’pembayaran sewa’ atau ’pembayaran a way that the seller lessee would not
sewa yang direvisi’ sedemikian rupa recognise any amount of the gain or loss
sehingga penjual-penyewa tidak akan that relates to the right of use retained
mengakui sejumlah keuntungan atau by the seller-lessee.
kerugian yang terkait dengan hak
pengguna yang dimiliki oleh penjual-
penyewa.
ii. PSAK 201 (amendemen), Penyajian ii. PSAK 201 (amendment), Presentation of
Laporan Keuangan tentang Liabilitas Financial Statements regarding Long
Jangka Panjang dengan Kovenan Term Liabilities with Covenant
Amendemen ini mengatur bahwa hanya This amendment provides that only
kovenan yang harus dipatuhi entitas pada covenants with which an entity is subject
atau sebelum tanggal pelaporan sehingga to compliance on or before the reporting
kondisi yang harus dipatuhi suatu entitas date which an entity must comply within
dalam waktu dua belas bulan setelah twelve months after the reporting
periode pelaporan mempengaruhi period affect the classification of a
klasifikasi suatu kewajiban yang akan liability, will affect the classification of
memengaruhi klasifikasi liabilitas jangka liabilities as current or non-current and
pendek atau jangka panjang serta their disclosure.
pengungkapannya.
Amendemen ini tidak mempunyai pengaruh This amendment has had no material impact
material atas pengungkapan atau jumlah- on the disclosures or amounts recognized in
jumlah yang diakui dalam laporan keuangan. the financial statements.
Page 501
These Financial Statements are Originally Issued
in Indonesian Language
Ekshibit E/9 Exhibit E/9
PT BANK MASPION INDONESIA TBK PT BANK MASPION INDONESIA TBK
CATATAN ATAS LAPORAN KEUANGAN NOTES TO FINANCIAL STATEMENTS
UNTUK TAHUN YANG BERAKHIR PADA FOR THE YEAR ENDED
31 DESEMBER 2024 31 DECEMBER 2024
(Disajikan dalam ribuan Rupiah, kecuali dinyatakan lain) (Expressed in thousands of Rupiah, unless otherwise stated)
2. IKHTISAR KEBIJAKAN AKUNTANSI MATERIAL 2. SUMMARY OF MATERIAL ACCOUNTING POLICIES
(Lanjutan) (Continued)
b. Standar baru, interpretasi dan penyesuaian b. New standard, interpretation and
Standar Akuntansi Keuangan (Lanjutan) amendment of Financial Accounting Standard
(Continued)
- Standar, interpretasi, dan amendemen - New standards, interpretations and
baru belum berlaku amendments not yet effective
Standar, amendemen, dan interpretasi yang Standard, amendment, and interpretation
telah diterbitkan yang berlaku efektif untuk which have been issued and effective for
periode yang dimulai atau setelah tanggal periods beginning on/or after 1 January
1 Januari 2025, yaitu: 2025, is:
i. PSAK 221 (amendemen) Pengaruh i. PSAK 221 (amendment) Effect of Changes
Perubahan Kurs Valuta Asing tentang in Foreign Exchange Rates on lack of
kekurangan ketertukaran convertibility
Amendemen ini menjelaskan pengaturan This amendment clarifies the provisions
pengungkapan terkait kondisi ketika related to conditions when a currency is
suatu mata uang tidak tertukarkan. not convertible and its disclosure.
Sampai dengan tanggal penerbitan laporan As of the issuance date of the financial
keuangan, Bank masih mempelajari dampak statements, the Bank is still evaluating the
yang mungkin timbul atas penerapan PSAK possible impact of the implementation of
tersebut pada laporan keuangan. these PSAKs to its financial statements.
c. Aset keuangan dan liabilitas keuangan c. Financial assets and financial 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 lain, accounts with other banks, placements with
efek-efek, efek-efek yang dibeli dengan janji Bank Indonesia and other banks, marketable
dijual kembali, tagihan akseptasi, kredit yang securities, securities purchased under
diberikan, bunga yang akan diterima dan aset agreements to resell, acceptance receivables,
lain-lain (provisi dan komisi yang akan loans, interest receivables and other assets
diterima). (fees and commissions receivables).
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, liabilitas akseptasi dan liabilitas lain- customers, deposits from other banks,
lain (akrual bunga, setoran jaminan, cadangan acceptance liabilities and other liabilities
kesejahteraan karyawan, liabilitas ATM Jalin, (accrued interest, guarantee deposits,
liabilitas sewa dan liabilitas lain-lain). allowance for employee welfare, liabilities to
Jalin ATM, lease liabilities and other
liabilities).
i. Klasifikasi i. Classification
Sesuai dengan PSAK 109, Bank In accordance with PSAK 109, Bank
mengklasifikasikan aset keuangannya classifies its financial assets based on the
berdasarkan kategori sebagai berikut: following categories:
Aset keuangan yang diukur pada biaya Financial assets measured at
perolehan diamortisasi; amortized cost;
Aset keuangan yang diukur pada Financial assets measured at fair value
nilai 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.
Page 502
These Financial Statements are Originally Issued
in Indonesian Language
Ekshibit E/10 Exhibit E/10
PT BANK MASPION INDONESIA TBK PT BANK MASPION INDONESIA TBK
CATATAN ATAS LAPORAN KEUANGAN NOTES TO FINANCIAL STATEMENTS
UNTUK TAHUN YANG BERAKHIR PADA FOR THE YEAR ENDED
31 DESEMBER 2024 31 DECEMBER 2024
(Disajikan dalam ribuan Rupiah, kecuali dinyatakan lain) (Expressed in thousands of Rupiah, unless otherwise stated)
2. IKHTISAR KEBIJAKAN AKUNTANSI MATERIAL 2. SUMMARY OF MATERIAL ACCOUNTING POLICIES
(Lanjutan) (Continued)
c. Aset keuangan dan liabilitas keuangan c. Financial assets and financial liabilities
(Lanjutan) (Continued)
i. Klasifikasi (Lanjutan) i. Classification (Continued)
Aset keuangan diukur pada biaya Financial assets are measured at
perolehan diamortisasi jika memenuhi amortized cost if its meet the following
kondisi sebagai berikut: conditions:
aset keuangan dikelola dalam model financial assets are managed in a
bisnis yang bertujuan untuk memiliki business model that aims to have
aset keuangan dalam rangka financial assets in order to obtain
mendapatkan arus kas kontraktual; contractual cash flow; and
dan
persyaratan kontraktual dari aset the contractual terms of the financial
keuangan tersebut memberikan hak asset provide rights on certain date for
pada tanggal tertentu atas arus kas cash flow obtained solely from
yang diperoleh semata dari payment of principal and interest
pembayaran pokok dan bunga (SPPI) (SPPI) on the principal amount owed.
dari jumlah pokok terutang.
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 its meet the following
conditions:
aset keuangan dikelola dalam model financial assets are managed in a
bisnis yang bertujuan untuk business model that aims to obtain
mendapatkan arus kas kontraktual dan contractual cash flow and sell
menjual aset keuangan; dan financial assets; and
persyaratan kontraktual dari aset the contractual requirements of the
keuangan tersebut memenuhi kriteria financial assets meet the SPPI criteria.
SPPI.
Pada saat pengakuan awal, Bank dapat At initial recognition, the Bank may make
membuat pilihan yang tidak dapat an irrevocable choice to present equity
dibatalkan untuk menyajikan instrumen instrument that are not held for trading
ekuitas yang bukan dimiliki untuk at fair value through other comprehensive
diperdagangkan pada nilai wajar melalui income.
penghasilan komprehensif lain.
Aset keuangan lainnya yang tidak Other financial assets that do not meet
memenuhi persyaratan untuk the requirements to be classified as
diklasifikasikan sebagai aset keuangan financial assets measured at amortized
diukur pada biaya perolehan diamortisasi cost or fair value through other
atau nilai wajar melalui penghasilan comprehensive income, are classified as
komprehensif lain, diklasifikasikan sebagai measured at fair value through profit or
diukur pada nilai wajar melalui laba rugi. loss.
Page 503
These Financial Statements are Originally Issued
in Indonesian Language
Ekshibit E/11 Exhibit E/11
PT BANK MASPION INDONESIA TBK PT BANK MASPION INDONESIA TBK
CATATAN ATAS LAPORAN KEUANGAN NOTES TO FINANCIAL STATEMENTS
UNTUK TAHUN YANG BERAKHIR PADA FOR THE YEAR ENDED
31 DESEMBER 2024 31 DECEMBER 2024
(Disajikan dalam ribuan Rupiah, kecuali dinyatakan lain) (Expressed in thousands of Rupiah, unless otherwise stated)
2. IKHTISAR KEBIJAKAN AKUNTANSI MATERIAL 2. SUMMARY OF MATERIAL ACCOUNTING POLICIES
(Lanjutan) (Continued)
c. Aset keuangan dan liabilitas keuangan c. Financial assets and financial liabilities
(Lanjutan) (Continued)
i. Klasifikasi (Lanjutan) i. Classification (Continued)
Saat pengakuan awal Bank dapat membuat At initial recognition, the Bank can make
penetapan yang tidak dapat dibatalkan an irrevocable determination to measure
untuk mengukur aset yang memenuhi assets that meet the requirements to be
persyaratan untuk diukur pada biaya measured at amortized cost, fair value
perolehan diamortisasi, nilai wajar through other comprehensive income or
melalui penghasilan komprehensif lain fair value through profit or loss, if the
atau pada nilai wajar melalui laba rugi, determination eliminates or significantly
apabila penetapan tersebut mengeliminasi reduces the measurement or recognition
atau secara signifikan mengurangi inconsistencies (sometimes referred to as
inkonsistensi pengukuran atau pengakuan “accounting mismatch”).
(kadang disebut sebagai “accounting
mismatch”).
Penilaian apakah arus kas kontraktual Assessment of whether contractual cash
hanya merupakan pembayaran pokok flows are solely payments of principal
dan bunga semata (SPPI) and interest (SPPI)
Untuk tujuan penilaian ini, “pokok” For the purposes of this assessment,
didefinisikan sebagai nilai wajar dari aset “principal” is defined as the fair value of
keuangan pada pengakuan awal. “Bunga” the financial asset on initial recognition.
didefinisikan sebagai imbalan untuk nilai “Interest” is defined as consideration for
waktu atas uang dan untuk risiko kredit the time value of money and for the credit
yang terkait dengan jumlah pokok yang risk associated with the principal amount
terutang selama periode waktu tertentu outstanding during a particular period of
dan untuk risiko dan biaya pinjaman dasar time and for other basic lending risks and
lainnya (misalnya risiko likuiditas dan costs (e.g., liquidity risk and
biaya administrasi), serta marjin administrative costs), as well as profit
keuntungan. margin.
Dalam menilai apakah arus kas kontraktual In assessing whether the contractual cash
adalah SPPI, Bank mempertimbangkan flows are SPPI, the Bank considers the
ketentuan kontraktual instrumen contractual terms of the instruments.
tersebut. Hal ini termasuk menilai apakah This includes assessing whether the
aset keuangan mengandung ketentuan financial assets contain a contractual
kontraktual yang dapat mengubah waktu term that could change the time or
atau jumlah arus kas kontraktual sehingga amount of contractual cash flows such
tidak memenuhi kondisi. that it would not meet this condition.
Dalam melakukan penilaian, Bank In making the assessment, the Bank
mempertimbangkan: considers:
kejadian kontinjensi yang akan contingent events that would change
mengubah jumlah dan waktu arus kas; the amount and timing of cash flows;
fitur leverage; leverage features;
persyaratan pelunasan dipercepat dan prepayment and extention terms;
perpanjangan fasilitas;
ketentuan yang membatasi klaim Bank terms that limit the Bank’s claims to
atas arus kas dari aset tertentu cash flows from specified assets (e.g.,
(seperti pinjaman non-recourse); dan non-recourse loans); and
fitur yang memodifikasi imbalan dari features that modify consideration of
nilai waktu atas uang (seperti the time value of money (e.g.,
penetapan ulang suku bunga berkala). periodical reset of interest rates).
Page 504
These Financial Statements are Originally Issued
in Indonesian Language
Ekshibit E/12 Exhibit E/12
PT BANK MASPION INDONESIA TBK PT BANK MASPION INDONESIA TBK
CATATAN ATAS LAPORAN KEUANGAN NOTES TO FINANCIAL STATEMENTS
UNTUK TAHUN YANG BERAKHIR PADA FOR THE YEAR ENDED
31 DESEMBER 2024 31 DECEMBER 2024
(Disajikan dalam ribuan Rupiah, kecuali dinyatakan lain) (Expressed in thousands of Rupiah, unless otherwise stated)
2. IKHTISAR KEBIJAKAN AKUNTANSI MATERIAL 2. SUMMARY OF MATERIAL ACCOUNTING POLICIES
(Lanjutan) (Continued)
c. Aset keuangan dan liabilitas keuangan c. Financial assets and financial liabilities
(Lanjutan) (Continued)
i. Klasifikasi (Lanjutan) i. Classification (Continued)
Penilaian model bisnis Valuation of business models
Model bisnis ditentukan pada level yang The business model is determined at a
mencerminkan bagaimana kelompok aset level that reflects how groups of financial
keuangan dikelola bersama-sama untuk assets are managed together to achieve
mencapai tujuan bisnis tertentu. certain business objectives.
Penilaian model bisnis dilakukan dengan The evaluation of the business model is
mempertimbangkan, tetapi tidak terbatas carried out by considering, but not limited
pada, hal-hal berikut: to, the following:
Bagaimana kinerja dari model bisnis How the performance of the business
dan aset keuangan yang dimiliki model and financial assets held in the
dalam model bisnis dievaluasi dan business model are evaluated and
dilaporkan kepada personil reported to the Bank’s key
manajemen kunci Bank; management personnel;
Apakah risiko yang memengaruhi What risks affect the performance of
kinerja dari model bisnis (termasuk the business model (including financial
aset keuangan yang dimiliki dalam assets held in the business model) and
model bisnis) dan khususnya specifically how the financial assets
bagaimana cara aset keuangan are managed; and
tersebut dikelola; dan
Bagaimana penilaian kinerja How to evaluate the performance of
pengelola aset keuangan (sebagai managers of financial assets (for
contoh, apakah penilaian kinerja example, whether performance
berdasarkan nilai wajar dari aset yang appraisals are based on the fair value
dikelola atau arus kas kontraktual yang of the assets being managed or the
diperoleh). contractual cash flows obtained).
Liabilitas keuangan diklasifikasikan ke Financial liabilities are classified into the
dalam kategori sebagai berikut pada saat following categories at initial recognition:
pengakuan awal:
Liabilitas keuangan yang diukur pada Financial liabilities at fair value
nilai wajar melalui laporan laba rugi, through profit or loss, which has 2
yang memiliki 2 (dua) sub-klasifikasi, (two) sub-classifications, i.e., those
yaitu liabilitas keuangan yang designated as such upon initial
ditetapkan demikian pada saat recognition and those classified as
pengakuan awal dan liabilitas held for trading;
keuangan yang telah diklasifikasikan
dalam kelompok diperdagangkan;
Liabilitas keuangan lain Other financial liabilities
Liabilitas keuangan lainnya Other financial liabilities pertain to
merupakan liabilitas keuangan yang financial liabilities that are not held
tidak dimiliki untuk dijual atau for trading nor designated as at fair
ditentukan sebagai nilai wajar melalui value through profit or loss upon
laba rugi saat pengakuan liabilitas. recognition of the liability.
Page 505
These Financial Statements are Originally Issued
in Indonesian Language
Ekshibit E/13 Exhibit E/13
PT BANK MASPION INDONESIA TBK PT BANK MASPION INDONESIA TBK
CATATAN ATAS LAPORAN KEUANGAN NOTES TO FINANCIAL STATEMENTS
UNTUK TAHUN YANG BERAKHIR PADA FOR THE YEAR ENDED
31 DESEMBER 2024 31 DECEMBER 2024
(Disajikan dalam ribuan Rupiah, kecuali dinyatakan lain) (Expressed in thousands of Rupiah, unless otherwise stated)
2. IKHTISAR KEBIJAKAN AKUNTANSI MATERIAL 2. SUMMARY OF MATERIAL ACCOUNTING POLICIES
(Lanjutan) (Continued)
c. Aset keuangan dan liabilitas keuangan c. Financial assets and financial liabilities
(Lanjutan) (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 trade
(pembelian secara reguler) diakui pada date, i.e., the date that the Bank
tanggal perdagangan, yaitu tanggal commits to purchase or sell the assets.
Bank berkomitmen untuk membeli
atau menjual aset.
b. Aset keuangan dan liabilitas keuangan b. Financial assets and financial
pada awalnya diukur pada nilai liabilities are initially recognized at
wajarnya. Dalam hal aset keuangan fair value. For those financial assets or
atau liabilitas keuangan tidak financial liabilities that are not being
diklasifikasikan pada nilai wajar classified at fair value through profit
melalui laba atau rugi, nilai wajar or loss, the fair value is
tersebut ditambah/dikurangi biaya added/deducted with directly
transaksi yang dapat diatribusikan attributable transaction costs to the
secara langsung dengan perolehan atau issuance of financial assets or
penerbitan aset keuangan atau liabilities.
liabilitas keuangan.
Bank, pada pengakuan awal, dapat The Bank, upon initial recognition, may
menetapkan aset keuangan dan liabilitas designate certain financial assets and
keuangan tertentu sebagai nilai wajar liabilities, at fair value through profit or
melalui laba rugi (“opsi nilai wajar”). loss (“fair value option").
Selanjutnya, penetapan ini tidak dapat Subsequently, this designation cannot be
diubah. Opsi nilai wajar dapat digunakan changed. The fair value option is only
hanya bila memenuhi ketetapan sebagai applied when the following conditions are
berikut: met:
penetapan sebagai opsi nilai wajar the application of the fair value option
mengurangi atau mengeliminasi reduces or eliminates an accounting
ketidak-konsistenan 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 consist of a host contract and an
derivatif melekat yang harus embedded derivative that must be
dipisahkan, tetapi tidak dapat bifurcated, but are unable to measure
mengukur derivatif melekat secara the embedded derivative separately.
terpisah.
iii. Pengukuran setelah pengakuan awal iii. Subsequent measurement
Aset keuangan dalam kelompok aset Financial assets at fair value through
keuangan yang diukur pada nilai wajar other comprehensive income and financial
melalui penghasilan komprehensif lain dan assets and financial liabilities at fair
aset keuangan dan liabilitas keuangan value through profit or loss are measured
yang diukur pada nilai wajar melalui laba at fair value.
rugi diukur pada nilai wajarnya.
Page 506
These Financial Statements are Originally Issued
in Indonesian Language
Ekshibit E/14 Exhibit E/14
PT BANK MASPION INDONESIA TBK PT BANK MASPION INDONESIA TBK
CATATAN ATAS LAPORAN KEUANGAN NOTES TO FINANCIAL STATEMENTS
UNTUK TAHUN YANG BERAKHIR PADA FOR THE YEAR ENDED
31 DESEMBER 2024 31 DECEMBER 2024
(Disajikan dalam ribuan Rupiah, kecuali dinyatakan lain) (Expressed in thousands of Rupiah, unless otherwise stated)
2. IKHTISAR KEBIJAKAN AKUNTANSI MATERIAL 2. SUMMARY OF MATERIAL ACCOUNTING POLICIES
(Lanjutan) (Continued)
c. Aset keuangan dan liabilitas keuangan c. Financial assets and financial liabilities
(Lanjutan) (Continued)
iii. Pengukuran setelah pengakuan awal iii. Subsequent measurement (Continued)
(Lanjutan)
Aset keuangan kelompok biaya perolehan Financial assets classified as amortized
diamortisasi dan liabilitas keuangan cost and other financial liabilities
lainnya diukur pada biaya perolehan measured at amortized cost using the
diamortisasi dengan menggunakan suku effective interest rate method.
bunga efektif.
iv. Penghentian pengakuan iv. Derecognition
a. Aset keuangan dihentikan a. Financial assets are derecognized
pengakuannya, jika dan hanya jika: when, and only when:
hak kontraktual atas arus kas yang the contractual rights to receive
berasal dari aset keuangan cash flows from the financial
tersebut berakhir; atau assets have expired; or
Bank telah mentransfer haknya the Bank has transferred its rights
untuk menerima arus kas yang to receive cash flows from the
berasal dari aset tersebut atau asset or has assumed an obligation
menanggung liabilitas untuk to pay the received cash flow in
membayarkan arus kas yang full without material delay to a
diterima tersebut secara penuh third party under a ‘pass-through’
tanpa penundaan berarti kepada arrangement; and either (a) the
pihak ketiga di bawah kesepakatan Bank has transferred substantially
pelepasan (pass-through all the risks and rewards of the
arrangement), dan antara (a) Bank asset, or (b) the Bank has neither
telah mentransfer secara sub- transferred nor retained
stansial seluruh risiko dan manfaat substantially all the risks and
atas aset, atau (b) Bank tidak rewards of the asset, but has
mentransfer maupun tidak transferred control of the asset.
memiliki secara substansial seluruh
risiko dan manfaat atas aset, tetapi
telah mentransfer kendali atas
aset.
Ketika Bank telah mentransfer When the Bank has transferred its
sebagian hak untuk menerima arus kas partial rights to receive cash flows
dari aset atau telah memasuki from an asset or has entered into a
kesepakatan pelepasan dan tidak pass-through arrangement and has
mentransfer serta tidak memiliki neither transferred nor retained
secara substansial seluruh risiko dan substantially all the risks and rewards
manfaat atas aset atau tidak of the asset nor transferred control of
mentransfer kendali atas aset, aset the asset, the asset is recognized to
diakui sebesar keterlibatan Bank yang the extent of the Bank’s continuing
berkelanjutan atas aset tersebut. involvement in the asset.
Penghapusbukuan kredit yang Loans are written off when there is no
diberikan dilakukan ketika tidak realistic prospect of collection in the
terdapat lagi prospek yang realistis near future or the normal relationship
mengenai pengembalian pinjaman between the Bank and the debtors has
atau hubungan normal antara Bank dan ceased to exist. Uncollectible loans
debitur telah berakhir. Kredit yang are written off against the related
tidak dapat dilunasi tersebut dihapus- allowance for impairment losses.
bukukan dengan mendebit cadangan
kerugian penurunan nilai.
Page 507
These Financial Statements are Originally Issued
in Indonesian Language
Ekshibit E/15 Exhibit E/15
PT BANK MASPION INDONESIA TBK PT BANK MASPION INDONESIA TBK
CATATAN ATAS LAPORAN KEUANGAN NOTES TO FINANCIAL STATEMENTS
UNTUK TAHUN YANG BERAKHIR PADA FOR THE YEAR ENDED
31 DESEMBER 2024 31 DECEMBER 2024
(Disajikan dalam ribuan Rupiah, kecuali dinyatakan lain) (Expressed in thousands of Rupiah, unless otherwise stated)
2. IKHTISAR KEBIJAKAN AKUNTANSI MATERIAL 2. SUMMARY OF MATERIAL ACCOUNTING POLICIES
(Lanjutan) (Continued)
c. Aset keuangan dan liabilitas keuangan c. Financial assets and financial liabilities
(Lanjutan) (Continued)
iv. Penghentian pengakuan (Lanjutan) iv. Derecognition (Continued)
b. Liabilitas keuangan dihentikan b. Financial liabilities are derecognized
pengakuannya jika liabilitas yang when the obligation under the liability
ditetapkan dalam kontrak dilepaskan is discharged, cancelled or has
atau dibatalkan atau kedaluarsa. expired.
Jika suatu liabilitas keuangan yang ada Where an existing financial liability is
digantikan dengan yang lain oleh replaced by another from the same
pemberi pinjaman yang sama pada lender on substantially different
keadaan yang secara substansial terms, or the terms of an existing
berbeda, atau berdasarkan suatu liability which are substantially
liabilitas yang ada yang secara modified, such an exchange or
substansial telah diubah, maka modification is treated as
pertukaran atau modifikasi tersebut derecognition of the original liability
diperlakukan sebagai penghentian and the recognition of a new liability,
pengakuan liabilitas awal dan and the difference in the respective
pengakuan liabilitas baru, dan carrying amounts is recognized in the
perbedaan nilai tercatat masing- statement of profit or loss and other
masing diakui dalam laporan laba rugi comprehensive income.
dan penghasilan komprehensif lain.
v. Pengakuan pendapatan dan beban v. Income and expense recognition
a. Pendapatan dan beban bunga atas aset a. Interest income and expense on
keuangan yang diukur pada nilai wajar financial assets measured at fair value
melalui penghasilan komprehensif lain through other comprehensive income
serta aset keuangan dan liabilitas as well as financial assets and financial
keuangan yang dicatat berdasarkan liabilities recorded at amortized cost
biaya perolehan diamortisasi, diakui are recognized in the statement of
pada laporan laba rugi dengan profit or loss using the effective
menggunakan metode suku bunga interest method.
efektif.
Jumlah tercatat bruto aset keuangan The gross carrying amount of a
adalah biaya perolehan diamortisasi financial asset is the amortized cost of
aset keuangan sebelum disesuaikan a financial asset before adjusting for
dengan cadangan penurunan nilai. allowance for impairment.
Dalam menghitung pendapatan dan In calculating interest income and
beban bunga, tingkat bunga efektif expenses, the effective interest rate
diterapkan pada jumlah tercatat bruto is applied to the gross carrying amount
aset (ketika aset tersebut bukan aset of an asset (when the asset is not a
keuangan memburuk) atau terhadap deteriorated financial asset) or to the
biaya perolehan diamortisasi dari amortized cost of a liability.
liabilitas.
Page 508
These Financial Statements are Originally Issued
in Indonesian Language
Ekshibit E/16 Exhibit E/16
PT BANK MASPION INDONESIA TBK PT BANK MASPION INDONESIA TBK
CATATAN ATAS LAPORAN KEUANGAN NOTES TO FINANCIAL STATEMENTS
UNTUK TAHUN YANG BERAKHIR PADA FOR THE YEAR ENDED
31 DESEMBER 2024 31 DECEMBER 2024
(Disajikan dalam ribuan Rupiah, kecuali dinyatakan lain) (Expressed in thousands of Rupiah, unless otherwise stated)
2. IKHTISAR KEBIJAKAN AKUNTANSI MATERIAL 2. SUMMARY OF MATERIAL ACCOUNTING POLICIES
(Lanjutan) (Continued)
c. Aset keuangan dan liabilitas keuangan c. Financial assets and financial liabilities
(Lanjutan) (Continued)
v. Pengakuan pendapatan dan beban v. Income and expense recognition
(Lanjutan) (Continued)
b. Untuk aset keuangan yang memburuk b. For financial assets that deteriorated
setelah pengakuan awal, pendapatan after initial recognition, interest
bunga dihitung dengan menerapkan income is calculated by applying an
tingkat bunga efektif terhadap biaya effective interest rate to the
perolehan diamortisasi dari aset amortized cost of the financial assets.
keuangan tersebut. Jika aset tersebut If the asset no longer deteriorates, the
tidak lagi memburuk, maka calculation of interest income will be
perhitungan pendapatan bunga akan calculated by applying an effective
dihitung dengan menerapkan tingkat interest rate to the gross carrying
bunga efektif terhadap nilai tercatat amount of the financial assets.
bruto dari aset keuangan tersebut.
Untuk aset keuangan yang telah For financial assets that have
memburuk pada saat pengakuan awal, deteriorated at initial recognition,
pendapatan bunga dihitung dengan interest income is calculated by
menerapkan tingkat bunga efektif applying the effective interest rate to
terhadap biaya perolehan diamortisasi the amortized cost of the financial
dari aset keuangan tersebut. Jika aset assets. If the asset no longer
tersebut tidak lagi memburuk, maka deteriorates, the calculation of
perhitungan pendapatan bunga akan interest income will still be calculated
tetap dihitung dengan menerapkan by applying the effective interest rate
tingkat bunga efektif terhadap biaya to the amortized cost of the financial
perolehan diamortisasi dari aset asset.
keuangan tersebut.
c. Keuntungan dan kerugian yang timbul c. Gains and losses arising from changes
dari perubahan nilai wajar atas aset in the fair value of financial assets
keuangan dalam kelompok yang diukur measured at fair value through other
pada nilai wajar melalui penghasilan comprehensive income are recognized
komprehensif lain diakui secara directly in other comprehensive
langsung dalam laporan laba rugi income (as part of equity), until the
komprehensif (merupakan bagian dari financial asset is derecognized or
ekuitas) sampai aset keuangan impaired, except gain or loss arising
tersebut dihentikan pengakuannya from changes in exchanges rate for
atau adanya penurunan nilai, kecuali debt instrument.
keuntungan atau kerugian akibat
perubahan nilai tukar untuk instrumen
utang.
Pada saat aset keuangan dihentikan When a financial asset is derecognized
pengakuannya atau dilakukan or impaired, the cumulative gains or
penurunan nilai, keuntungan atau losses previously recognized in equity
kerugian kumulatif yang sebelumnya are recognized in profit or loss.
diakui dalam ekuitas harus diakui pada
laporan laba rugi.
Page 509
These Financial Statements are Originally Issued
in Indonesian Language
Ekshibit E/17 Exhibit E/17
PT BANK MASPION INDONESIA TBK PT BANK MASPION INDONESIA TBK
CATATAN ATAS LAPORAN KEUANGAN NOTES TO FINANCIAL STATEMENTS
UNTUK TAHUN YANG BERAKHIR PADA FOR THE YEAR ENDED
31 DESEMBER 2024 31 DECEMBER 2024
(Disajikan dalam ribuan Rupiah, kecuali dinyatakan lain) (Expressed in thousands of Rupiah, unless otherwise stated)
2. IKHTISAR KEBIJAKAN AKUNTANSI MATERIAL 2. SUMMARY OF MATERIAL ACCOUNTING POLICIES
(Lanjutan) (Continued)
c. Aset keuangan dan liabilitas keuangan c. Financial assets and financial liabilities
(Lanjutan) (Continued)
vi. Reklasifikasi aset keuangan vi. Reclassification of financial assets
Bank mereklasifikasi aset keuangan jika The Bank reclassifies financial assets if
dan hanya jika, model bisnis untuk and only if, the business model for
pengelolaan aset keuangan berubah. managing financial assets changes.
Reklasifikasi aset keuangan dari klasifikasi Reclassification of financial assets from
biaya perolehan yang diamortisasi ke amortized cost classifications to fair value
klasifikasi nilai wajar melalui laba rugi classifications through profit or loss are
dicatat sebesar nilai wajarnya. Selisih recorded at fair value. The difference
antara nilai tercatat dengan nilai wajar between the carrying amount and fair
diakui sebagai keuntungan atau kerugian value is recognized in profit or loss.
pada laba rugi.
Reklasifikasi aset keuangan dari klasifikasi Reclassifications of financial assets from
biaya perolehan yang diamortisasi ke amortized cost classifications to fair value
klasifikasi nilai wajar melalui penghasilan classifications through other
komprehensif lain dicatat sebesar nilai comprehensive income are recorded at its
wajarnya. Selisih antara nilai tercatat fair values. The differences between the
dengan nilai wajar diakui sebagai carrying amount and the fair value were
keuntungan atau kerugian pada recognized as gains or losses in other
penghasilan komprehensif lainnya (bagian comprehensive income (as part of equity).
dari ekuitas).
Reklasifikasi aset keuangan dari klasifikasi Reclassification of financial assets from
nilai wajar melalui penghasilan fair value classification through other
komprehensif lain ke klasifikasi nilai wajar comprehensive income to fair value
melalui laba rugi dicatat sebesar nilai classification through profit or loss is
wajar. Keuntungan atau kerugian yang recorded at fair value. Unrealized gains or
belum direalisasi direklasifikasi ke laba losses are reclassified to profit or loss.
rugi.
Reklasifikasi aset keuangan dari klasifikasi Reclassification of financial assets from
nilai wajar melalui penghasilan fair value classifications through other
komprehensif lain ke klasifikasi biaya comprehensive income to the amortized
perolehan yang diamortisasi dicatat pada cost classification is recorded at carrying
nilai tercatat. Keuntungan atau kerugian value. Unrealized gains or losses is
yang belum direalisasi dihapus dari ekuitas removed from equity and adjusted against
dan disesuaikan terhadap nilai wajar. the fair value.
Reklasifikasi aset keuangan dari klasifikasi Reclassifications on financial assets from
nilai wajar melalui laba rugi ke klasifikasi fair value classification through profit or
nilai wajar melalui penghasilan loss to fair value classification through
komprehensif lain dicatat pada nilai other comprehensive income are recorded
wajar. at fair value.
Reklasifikasi aset keuangan dari klasifikasi Reclassification of financial assets from
nilai wajar melalui laba rugi ke klasifikasi fair value classification through profit or
biaya perolehan yang diamortisasi dicatat loss to amortized cost classification is
pada nilai wajar. recorded at fair value.
Page 510
These Financial Statements are Originally Issued
in Indonesian Language
Ekshibit E/18 Exhibit E/18
PT BANK MASPION INDONESIA TBK PT BANK MASPION INDONESIA TBK
CATATAN ATAS LAPORAN KEUANGAN NOTES TO FINANCIAL STATEMENTS
UNTUK TAHUN YANG BERAKHIR PADA FOR THE YEAR ENDED
31 DESEMBER 2024 31 DECEMBER 2024
(Disajikan dalam ribuan Rupiah, kecuali dinyatakan lain) (Expressed in thousands of Rupiah, unless otherwise stated)
2. IKHTISAR KEBIJAKAN AKUNTANSI MATERIAL 2. SUMMARY OF MATERIAL ACCOUNTING POLICIES
(Lanjutan) (Continued)
c. Aset keuangan dan liabilitas keuangan c. Financial assets and financial liabilities
(Lanjutan) (Continued)
vii. Saling hapus vii. Offsetting
Aset keuangan dan liabilitas keuangan Financial assets and liabilities are set off
dilakukan saling hapus dan nilai bersihnya and the net amount is presented in the
disajikan dalam laporan posisi keuangan statement of financial position when, and
jika, dan hanya jika Bank memiliki hak only when, the Bank has a legal right to
yang berkekuatan hukum untuk melakukan set off the amounts and intends either to
saling hapus atas jumlah yang telah diakui settle on a net basis or to realize the asset
tersebut dan adanya maksud untuk and settle the liability simultaneously.
menyelesaikan secara bersih atau untuk
merealisasikan aset dan menyelesaikan
liabilitasnya secara bersamaan.
Hal yang berkekuatan hukum harus tidak The legally enforceable right must not be
kontinjen atas peristiwa di masa depan contingent on the future events and must
dan harus dapat dipaksakan di dalam be enforceable in the normal course of
situasi bisnis normal, peristiwa kegagalan business and in the event of default,
atau kebangkrutan dari Bank atas seluruh insolvency or bankruptcy of the Bank or
pihak lawan. the counterparty.
Pendapatan dan beban disajikan dalam Income and expenses are presented on a
jumlah bersih hanya jika diperkenankan net basis only when permitted by the
oleh standar akuntansi. 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
jumlah aset keuangan atau liabilitas financial asset or liability is measured at
keuangan yang diukur pada saat initial recognition, minus principal
pengakuan awal dikurangi pembayaran repayments, plus or minus the cumulative
pokok kredit, ditambah atau dikurangi amortization using the effective interest
amortisasi kumulatif menggunakan rate method of any difference between
metode suku bunga efektif yang dihitung the initial amount recognized and the
dari selisih antara nilai pengakuan awal maturity amount, minus any reduction for
dan nilai jatuh temponya, dan dikurangi impairment.
penurunan nilai.
ix. Pengukuran nilai wajar ix. Fair value measurement
Nilai wajar adalah harga yang akan The fair value is the price that would be
diterima untuk menjual suatu aset atau received to sell an asset or paid to
harga yang akan dibayar untuk transfer a liability in an orderly
mengalihkan suatu liabilitas dalam suatu transaction between market participants
transaksi teratur antara pelaku pasar pada at the measurement date.
tanggal pengukuran.
Page 511
These Financial Statements are Originally Issued
in Indonesian Language
Ekshibit E/19 Exhibit E/19
PT BANK MASPION INDONESIA TBK PT BANK MASPION INDONESIA TBK
CATATAN ATAS LAPORAN KEUANGAN NOTES TO FINANCIAL STATEMENTS
UNTUK TAHUN YANG BERAKHIR PADA FOR THE YEAR ENDED
31 DESEMBER 2024 31 DECEMBER 2024
(Disajikan dalam ribuan Rupiah, kecuali dinyatakan lain) (Expressed in thousands of Rupiah, unless otherwise stated)
2. IKHTISAR KEBIJAKAN AKUNTANSI MATERIAL 2. SUMMARY OF MATERIAL ACCOUNTING POLICIES
(Lanjutan) (Continued)
c. Aset keuangan dan liabilitas keuangan c. Financial assets and financial liabilities
(Lanjutan) (Continued)
ix. Pengukuran nilai wajar (Lanjutan) ix. Fair value measurement (Continued)
Pengukuran nilai wajar mengasumsikan The fair value measurement is based on
bahwa transaksi untuk menjual aset atau the assumption that the transaction to
mengalihkan liabilitas terjadi: sell an asset or transfer a liability takes
place occurs:
Di pasar utama untuk aset dan In the principal market for the assets
liabilitas tersebut; atau and liabilities; or
Jika tidak terdapat pasar utama, di In the absence of a principal market,
pasar yang paling menguntungkan in the most advantageous market for
untuk aset atau liabilitas tersebut. the asset or liability.
Nilai wajar suatu aset atau liabilitas diukur The fair value of an asset or liability is
menggunakan asumsi yang akan digunakan measured using the assumptions that
pelaku pasar ketika menentukan harga would be use by market participants in
aset dan liabilitas tersebut dengan asumsi determining the price of the asset and the
bahwa pelaku pasar bertindak dalam liability assuming that market
kepentingan ekonomik terbaiknya. participants act in their best economic
interests.
Pengukuran nilai wajar aset non keuangan The measurement of the fair value of non-
memperhitungkan kemampuan pelaku financial assets takes into account the
pasar untuk menghasilkan manfaat ability of market participants to generate
ekonomik dengan menggunakan aset economic benefits by using the asset in
dalam penggunaan tertinggi dan the highest and best use or by selling them
terbaiknya atau dengan menjualnya to other market participants that would
kepada pelaku pasar lain yang akan use the asset in the highest and best use.
menggunakan aset tersebut dalam
penggunaan tertinggi dan terbaiknya.
Bank menggunakan teknik penilaian yang Bank uses suitable valuation techniques in
sesuai dalam keadaan dan dimana data the circumstances and where sufficient
yang memadai tersedia untuk mengukur data are available to measure fair value,
nilai wajar, mengoptimalkan penggunaan optimizing the use of relevant observable
input yang dapat diobservasi yang relevan inputs and minimize the use of inputs that
dan meminimalkan penggunaan input yang are not observable.
tidak dapat diobservasi.
Semua aset dan liabilitas dimana nilai All assets and liabilities for which fair
wajar diukur atau diungkapkan dalam value is measured or disclosed in the
laporan keuangan dapat dikategorikan financial statements can be classified in
pada tingkat hierarki nilai wajar, fair value hierarchy levels, based on the
berdasarkan tingkatan input terendah lowest level of input that is significant to
yang signifikan atas pengukuran nilai the overall fair value measurement:
wajar secara keseluruhan:
Tingkat 1: harga kuotasian (tanpa Level 1: quoted prices (unadjusted) in
penyesuaian) di pasar aktif untuk aset active markets for identical assets or
atau liabilitas yang identik yang dapat liabilities which are accessible at the
diakses pada tanggal pengukuran. measurement date.
Tingkat 2: input selain harga kuotasian Level 2: inputs other than quoted
yang termasuk dalam tingkat 1 yang prices included in level 1 that are
dapat diobservasi untuk aset dan observable for the assets and
liabilitas, baik secara langsung atau liabilities, either directly or
tidak langsung. indirectly.
Tingkat 3: input yang tidak dapat Level 3: inputs that are not observable
diobservasi untuk aset dan liabilitas. for the assets and liabilities.
Page 512
These Financial Statements are Originally Issued
in Indonesian Language
Ekshibit E/20 Exhibit E/20
PT BANK MASPION INDONESIA TBK PT BANK MASPION INDONESIA TBK
CATATAN ATAS LAPORAN KEUANGAN NOTES TO FINANCIAL STATEMENTS
UNTUK TAHUN YANG BERAKHIR PADA FOR THE YEAR ENDED
31 DESEMBER 2024 31 DECEMBER 2024
(Disajikan dalam ribuan Rupiah, kecuali dinyatakan lain) (Expressed in thousands of Rupiah, unless otherwise stated)
2. IKHTISAR KEBIJAKAN AKUNTANSI MATERIAL 2. SUMMARY OF MATERIAL ACCOUNTING POLICIES
(Lanjutan) (Continued)
c. Aset keuangan dan liabilitas keuangan c. Financial assets and financial liabilities
(Lanjutan) (Continued)
ix. Pengukuran nilai wajar (Lanjutan) ix. Fair value measurement (Continued)
Untuk aset dan liabilitas yang diakui pada For assets and liabilities that are
laporan keuangan secara berulang, Bank recognized in the financial statements on
menentukan apakah terjadi transfer recurring basis, the Bank determines
antara tingkat di dalam hierarki dengan whether there is a transfer between
cara mengevaluasi kategori (berdasarkan levels in the hierarchy by evaluating
input tingkat terendah yang signifikan categories (based on the lowest level
dalam pengukuran nilai wajar) setiap akhir input that is significant to the fair value
periode pelaporan. measurement) at the end of each
reporting period.
Bank, untuk tujuan pengungkapan nilai The Bank, for purposes of disclosing the
wajar, telah menentukan kelas aset dan fair value, has determined the classes of
liabilitas berdasarkan sifat, karakteristik, assets and liabilities based on the nature,
risiko aset dan liabilitas, dan tingkat characteristics, risk of assets and
hierarki nilai wajar (Catatan 37). liabilities, and the fair value hierarchy
levels (Note 37).
d. Transaksi dan saldo dalam mata uang asing d. Foreign currency transactions and balances
Bank menyelenggarakan pembukuannya dalam The Bank maintains its accounting records in
mata uang Rupiah. Transaksi-transaksi dalam Rupiah. Transactions in currencies other than
mata uang selain Rupiah dibukukan dengan nilai the Rupiah are recorded at the prevailing rates
tukar yang berlaku pada tanggal transaksi. of exchange in effect on the dated of the
transactions.
Pada tanggal laporan posisi keuangan, aset dan At statement of financial position dates, all
liabilitas moneter dalam mata uang asing monetary assets and liabilities denominated in
dijabarkan ke dalam mata uang Rupiah dengan foreign currencies are translated into Rupiah
menggunakan kurs Reuters pada pukul 16:00 using closing rate based on the Reuters spot
WIB (Waktu Indonesia Bagian Barat). rate at 16:00 WIB (Western Indonesian Time).
Keuntungan atau kerugian yang timbul sebagai The resulting gains or losses from the
akibat dari penjabaran aset dan liabilitas translation of monetary assets and liabilities in
moneter dalam mata uang asing dicatat dalam foreign currencies are recognized in the
laporan laba rugi dan penghasilan komprehensif statement of profit or loss and other
lain tahun berjalan. comprehensive income for the current year.
Nilai tukar yang digunakan pada tanggal The exchange rates used as of 31 December
31 Desember 2024 dan 2023 adalah sebagai 2024 and 2023 are as follows (amounts in full
berikut (dalam Rupiah penuh): Rupiah):
31 Desember/ 31 Desember/
December 2024 December 2023
1 Euro Eropa 16.758 17.038 European Euro 1
1 Dolar Amerika Serikat 16.095 15.397 United States Dollar 1
1 Yuan China 2.205 2.170 Chinese Yuan 1
1 Dolar Hongkong 2.073 1.971 Hongkong Dollar 1
1 Baht Thailand 470 450 Thailand Baht 1
1 Dolar Australia 10.014 10.521 Australian Dollar 1
1 Dolar Singapura 11.845 11.676 Singapore Dollar 1
Page 513
These Financial Statements are Originally Issued
in Indonesian Language
Ekshibit E/21 Exhibit E/21
PT BANK MASPION INDONESIA TBK PT BANK MASPION INDONESIA TBK
CATATAN ATAS LAPORAN KEUANGAN NOTES TO FINANCIAL STATEMENTS
UNTUK TAHUN YANG BERAKHIR PADA FOR THE YEAR ENDED
31 DESEMBER 2024 31 DECEMBER 2024
(Disajikan dalam ribuan Rupiah, kecuali dinyatakan lain) (Expressed in thousands of Rupiah, unless otherwise stated)
2. IKHTISAR KEBIJAKAN AKUNTANSI MATERIAL 2. SUMMARY OF MATERIAL ACCOUNTING POLICIES
(Lanjutan) (Continued)
e. Giro pada Bank Indonesia dan bank lain e. Current accounts with Bank Indonesia and
other banks
Giro pada Bank Indonesia dan bank lain Current accounts with Bank Indonesia and other
diklasifikasikan sebagai biaya perolehan yang banks are classified as amortized cost. Current
diamortisasi. Giro pada bank lain dinyatakan accounts with other banks are stated at
sebesar biaya perolehan diamortisasi amortized cost using the effective interest rate
menggunakan metode suku bunga efektif method less allowance for impairment losses.
dikurangi cadangan kerugian penurunan nilai.
f. Penempatan pada Bank Indonesia dan bank f. Placements with Bank Indonesia and other
lain banks
Penempatan pada Bank Indonesia dan bank lain Placements with Bank Indonesia and other
terdiri dari Fasilitas Simpanan Bank Indonesia banks consist of Bank Indonesia Deposit Facility
(“FASBI”) dan deposito berjangka. (“FASBI”) and time deposit.
Penempatan pada Bank Indonesia dan bank lain Placements with Bank Indonesia and other
diklasifikasikan sebagai biaya perolehan banks are classified as amortized cost.
diamortisasi. Penempatan pada bank lain Placements with other banks are stated at
dinyatakan sebesar biaya perolehan amortized cost using the effective interest rate
diamortisasi menggunakan metode suku bunga method less allowance for impairment losses.
efektif dikurangi cadangan kerugian penurunan
nilai.
g. Efek-efek g. Marketable securities
Efek-efek yang dimiliki merupakan Surat Utang Marketable securities consist of Government
Negara (SUN) dan Sekuritas Rupiah Bank Bonds (SUN) and Bank Indonesia Rupiah
Indonesia (SRBI). Securities (SRBI).
Efek-efek pada awalnya disajikan sebesar nilai Marketable securities are initially measured at
wajarnya. Setelah pengakuan awal, surat-surat fair value. Subsequent to initial recognition,
berharga dicatat sesuai dengan kategorinya the marketable securities are recorded
yaitu investasi pada biaya perolehan according to its category, i.e., amortized cost
diamortisasi, yang diukur pada nilai wajar of investments, which is measured at fair value
melalui penghasilan komprehensif lain atau through other comprehensive income or at fair
diukur pada nilai wajar melalui laba atau rugi. value through profit or loss.
Penilaian surat-surat berharga didasarkan atas The value of marketable securities is stated
klasifikasinya sebagai berikut: based on the classification as follows:
1. Surat-surat berharga yang diklasifikasikan 1. Amortized cost of marketable securities are
pada biaya perolehan diamortisasi dicatat carried at amortized cost using the
menggunakan metode suku bunga efektif. effective interest rate method.
2. Surat-surat berharga yang diklasifikasikan 2. Marketable securities classified as fair
pada nilai wajar melalui penghasilan value through other comprehensive income
komprehensif lain dinyatakan pada nilai are stated at fair value. Subsequent to
wajar. Setelah pengakuan awal, aset initial recognition, this financial assets are
keuangan tersebut diukur pada nilai wajar measured at fair value which where
dimana keuntungan dan kerugian yang unrealized gains and losses on changes in
belum direalisasi atas perubahan nilai wajar fair value are recognized as other
akan diakui sebagai penghasilan comprehensive income. Interest income is
komprehensif lain. Pendapatan bunga diakui recognized in the statement of profit or loss
dalam laporan laba rugi dan penghasilan and other comprehensive income using the
komprehensif lain menggunakan metode effective interest method. Other fair value
suku bunga efektif. Perubahan nilai wajar changes are recognized directly in equity
lainnya diakui secara langsung dalam ekuitas until the marketable securities are sold or
sampai dengan surat-surat berharga impaired, whereby the cumulative gains
tersebut dijual atau mengalami penurunan and losses previously recognized in equity
nilai, dimana keuntungan dan kerugian are recognized in the statement of profit or
kumulatif yang sebelumnya diakui dalam loss and other comprehensive income.
ekuitas harus diakui pada laporan laba rugi
dan penghasilan komprehensif lain.
Page 514
These Financial Statements are Originally Issued
in Indonesian Language
Ekshibit E/22 Exhibit E/22
PT BANK MASPION INDONESIA TBK PT BANK MASPION INDONESIA TBK
CATATAN ATAS LAPORAN KEUANGAN NOTES TO FINANCIAL STATEMENTS
UNTUK TAHUN YANG BERAKHIR PADA FOR THE YEAR ENDED
31 DESEMBER 2024 31 DECEMBER 2024
(Disajikan dalam ribuan Rupiah, kecuali dinyatakan lain) (Expressed in thousands of Rupiah, unless otherwise stated)
2. IKHTISAR KEBIJAKAN AKUNTANSI MATERIAL 2. SUMMARY OF MATERIAL ACCOUNTING POLICIES
(Lanjutan) (Continued)
g. Efek-efek (Lanjutan) g. Marketable securities (Continued)
Penilaian surat-surat berharga didasarkan atas The value of marketable securities is stated
klasifikasinya sebagai berikut: (Lanjutan) based on the classification as follows:
(Continued)
3. Surat berharga yang diklasifikasikan pada 3. Marketable securities classified as fair
nilai wajar melalui laba rugi, yang value through profit or loss are stated at
dinyatakan sebesar nilai wajar. Keuntungan fair value. Unrealized gains or losses from
atau kerugian yang belum direalisasi akibat the increase or decrease in fair values are
kenaikan atau penurunan nilai wajarnya presented in current period profit or loss.
disajikan dalam laporan laba rugi periode
yang bersangkutan.
h. Efek-efek yang dibeli dengan janji dijual h. Securities purchased under agreements to
kembali resell
Efek-efek yang dibeli dengan janji untuk dijual Securities purchased under agreements to
kembali diklasifikasikan sebagai biaya resell are classified as amortized cost.
perolehan yang diamortisasi.
Efek-efek yang dibeli dengan janji untuk dijual Securities purchased under agreements to
kembali disajikan sebagai aset dalam laporan resell are presented as asset in the statement
posisi keuangan sebesar jumlah penjualan of financial position, at the resale price net of
kembali dikurangi dengan pendapatan bunga unamortized interest and allowance for
yang belum diamortisasi dan cadangan kerugian impairment losses.
penurunan nilai.
Selisih antara harga beli dengan harga jual The difference between the purchase price and
kembali diperlakukan sebagai pendapatan the resale price is treated as unearned interest
bunga yang ditangguhkan, dan diakui sebagai income, and recognized as income over the
pendapatan selama periode sejak efek-efek period starting from the securities are
dibeli hingga dijual menggunakan metode suku purchased until they are sold using effective
bunga efektif. interest rate method.
i. Kredit yang diberikan i. Loans
Kredit yang diberikan adalah penyediaan uang Loans represent funds provided or receivables
atau tagihan yang dapat disetarakan dengan itu, that can be considered as equivalents thereof,
berdasarkan persetujuan atau kesepakatan based on agreements or financing contracts
pinjam-meminjam dengan debitur yang with borrowers, where borrowers are required
mewajibkan debitur untuk melunasi utang dan to repay their debts with interest after a
bunganya setelah jangka waktu tertentu. specified period.
Kredit yang diberikan diklasifikasikan sebagai Loans are classified as amortized cost.
biaya perolehan yang diamortisasi.
Kredit yang diberikan pada awalnya diukur pada Loans are initially measured at fair value plus
nilai wajar ditambah dengan biaya transaksi transaction costs that are directly attributable
yang dapat diatribusikan secara langsung dan and additional costs to obtain financial assets,
biaya tambahan untuk memperoleh aset and after initial recognition are measured at
keuangan tersebut, dan setelah pengakuan awal amortized cost based on the effective interest
diukur pada biaya perolehan diamortisasi rate method less allowance for impairment
menggunakan metode suku bunga efektif losses (Note 2j).
dikurangi dengan cadangan kerugian penurunan
nilai (Catatan 2j).
Page 515
These Financial Statements are Originally Issued
in Indonesian Language
Ekshibit E/23 Exhibit E/23
PT BANK MASPION INDONESIA TBK PT BANK MASPION INDONESIA TBK
CATATAN ATAS LAPORAN KEUANGAN NOTES TO FINANCIAL STATEMENTS
UNTUK TAHUN YANG BERAKHIR PADA FOR THE YEAR ENDED
31 DESEMBER 2024 31 DECEMBER 2024
(Disajikan dalam ribuan Rupiah, kecuali dinyatakan lain) (Expressed in thousands of Rupiah, unless otherwise stated)
2. IKHTISAR KEBIJAKAN AKUNTANSI MATERIAL 2. SUMMARY OF MATERIAL ACCOUNTING POLICIES
(Lanjutan) (Continued)
i. Kredit yang diberikan (Lanjutan) i. Loans (Continued)
Restrukturisasi kredit Loan restructuring
Kredit yang direstrukturisasi disajikan sebesar Restructured loans are stated at the lower of
nilai yang lebih rendah antara nilai tercatat carrying value of the loan at the time of
kredit pada tanggal restrukturisasi atau nilai restructuring or net present value of the total
kini bersih penerimaan kas masa depan setelah future cash receipts after restructuring.
restrukturisasi.
Kerugian akibat selisih antara nilai tercatat Losses arising from any excess of the carrying
kredit pada tanggal restrukturisasi dengan nilai value of the loan at the time of restructuring
kini bersih penerimaan kas masa depan setelah over the net present value of the total future
restrukturisasi diakui dalam laporan laba rugi cash receipts after restructuring are recognized
dan penghasilan komprehensif lain. Setelah in the statement of profit or loss and other
restrukturisasi, semua penerimaan kas masa comprehensive income. Thereafter, all cash
depan yang ditetapkan dalam persyaratan baru receipts under the new terms shall be
dicatat sebagai pengembalian pokok kredit yang accounted for as the recovery of principal and
diberikan dan pendapatan bunga sesuai dengan interest income, in accordance with the
syarat-syarat restrukturisasi. restructuring scheme.
Dalam hal restrukturisasi kredit bermasalah In troubled debt restructuring which only
dilakukan hanya dengan modifikasi persyaratan involves modification of the credit terms, the
kredit, Bank mencatat dampak restrukturisasi Bank accounts for the restructuring’s effect
tersebut secara prospektif dan tidak mengubah prospectively and does not change the carrying
nilai tercatat kredit yang diberikan pada tanggal amount of the loans at the time of
restrukturisasi, kecuali jika jumlahnya melebihi restructuring, unless the amount exceeds the
nilai kini penerimaan kas masa depan yang present value of the total future cash receipts
ditentukan dalam persyaratan baru. Jika nilai specified in the new terms. If the present value
kini penerimaan kas masa depan sebagaimana of the total future cash receipts specified in
yang ditentukan dalam persyaratan baru dari the new terms is lower than the carrying
kredit yang direstrukturisasi tersebut lebih amount of the loans prior to restructuring, the
rendah daripada nilai tercatat kredit yang Bank reduces the loans balance to the amount
diberikan sebelum direstrukturisasi, Bank harus equal to the present value of the total future
mengurangkan saldo kredit yang diberikan ke cash receipts. The amount of the reduction is
suatu jumlah yang sama dengan jumlah nilai kini recognized as modified loss.
penerimaan kas masa depan. Jumlah
pengurangan tersebut diakui sebagai kerugian
modifikasi.
Kredit yang diberikan dihapusbukukan ketika Loans are written-off when there are no
tidak terdapat prospek yang realistis mengenai realistic prospects of future recovery and all
pengembalian di masa datang dan semua collateral have been realized or have been
jaminan telah diupayakan untuk direalisasi atau foreclosed. When loans are deemed
sudah diambil alih. Kredit yang tidak dapat uncollectible, they are written-off against the
dilunasi dihapusbukukan dengan mendebit related allowance for impairment losses.
cadangan kerugian penurunan nilai. Pelunasan Subsequent recoveries of loans written-off are
kemudian atas kredit yang telah credited to the allowance for impairment
dihapusbukukan sebelumnya dikreditkan ke losses in the statement of financial position, if
cadangan kerugian penurunan nilai di laporan recovered in the current year.
posisi keuangan, jika pada periode berjalan.
Page 516
These Financial Statements are Originally Issued
in Indonesian Language
Ekshibit E/24 Exhibit E/24
PT BANK MASPION INDONESIA TBK PT BANK MASPION INDONESIA TBK
CATATAN ATAS LAPORAN KEUANGAN NOTES TO FINANCIAL STATEMENTS
UNTUK TAHUN YANG BERAKHIR PADA FOR THE YEAR ENDED
31 DESEMBER 2024 31 DECEMBER 2024
(Disajikan dalam ribuan Rupiah, kecuali dinyatakan lain) (Expressed in thousands of Rupiah, unless otherwise stated)
2. IKHTISAR KEBIJAKAN AKUNTANSI MATERIAL 2. SUMMARY OF MATERIAL ACCOUNTING POLICIES
(Lanjutan) (Continued)
j. Identifikasi dan pengukuran kerugian j. Identification and measurement of
penurunan nilai impairment losses
Aset produktif terdiri dari giro pada bank lain, Earning assets consist of current accounts with
penempatan pada bank lain, surat berharga, other banks, placements with other banks,
efek-efek yang dibeli dengan janji dijual marketable securities, securities purchased
kembali, tagihan akseptasi, kredit yang under agreements to resale agreements,
diberikan, tagihan lainnya dan komitmen dan acceptance receivables, loans, other receivable
kontinjensi. Komitmen dan kontinjensi pada and commitments and contingencies.
transaksi rekening administratif, antara lain Commitments and contingencies are off-
terdiri dari tetapi tidak terbatas pada balance sheet transactions which include but
penerbitan jaminan dan fasilitas kredit yang are not limited to issued guarantees and unused
belum digunakan. loan facilities.
PSAK 109 mengharuskan cadangan kerugian PSAK 109 requires a loss allowance to be
diakui sebesar kerugian kredit ekspektasian recognized at an amount equal to either
12 bulan atau kerugian kredit ekspektasian 12 months expected credit loss or lifetime
sepanjang umur aset keuangan. Sepanjang umur expected credit loss. Lifetime expected credit
kerugian kredit ekspektasian adalah kerugian loss are the expected credit loss that result from
kredit ekspektasian yang berasal dari semua all possible of default events over the expected
kemungkinan kejadian gagal bayar sepanjang life of a financial instrument, whereas 12-month
umur ekspektasian suatu instrumen keuangan, expected credit loss are the portion of expected
sedangkan kerugian kredit ekspektasian credit loss that result from default events that
12 bulan adalah porsi dari kerugian kredit are possible with the 12 months after reporting
ekspektasian yang berasal dari kemungkinan date.
kejadian gagal bayar dalam 12 bulan setelah
tanggal pelaporan.
Kerugian kredit ekspektasian diakui untuk Expected credit losses are recognized for all
seluruh instrumen utang keuangan, komitmen financial debt instruments, loan commitments
pinjaman dan jaminan keuangan yang and financial guarantees that are classified as
diklasifikasikan sebagai hold to collect/hold to hold to collect/hold to collect and sell and have
collect and sell dan memiliki arus kas cash flows that SPPI. Expected credit losses are
SPPI. Kerugian kredit ekspektasian tidak diakui not recognized for equity instruments
untuk instrumen ekuitas yang ditetapkan designated at fair value through other
sebagai nilai wajar melalui penghasilan comprehensive income.
komprehensif lain.
Bank mengakui cadangan kerugian untuk Bank recognizes loss allowance for expected
kerugian kredit ekspektasian pada instrumen credit losses on the following financial
keuangan berikut yang tidak diukur pada nilai instruments that are not measured at fair value
wajar melalu laba rugi: through profit or loss:
Aset keuangan yang merupakan instrumen Financial assets that are debt instruments;
utang;
Kontrak jaminan keuangan yang diterbitkan; Financial guarantee contracts issued; and
dan
Kredit yang diberikan. Loans.
Page 517
These Financial Statements are Originally Issued
in Indonesian Language
Ekshibit E/25 Exhibit E/25
PT BANK MASPION INDONESIA TBK PT BANK MASPION INDONESIA TBK
CATATAN ATAS LAPORAN KEUANGAN NOTES TO FINANCIAL STATEMENTS
UNTUK TAHUN YANG BERAKHIR PADA FOR THE YEAR ENDED
31 DESEMBER 2024 31 DECEMBER 2024
(Disajikan dalam ribuan Rupiah, kecuali dinyatakan lain) (Expressed in thousands of Rupiah, unless otherwise stated)
2. IKHTISAR KEBIJAKAN AKUNTANSI MATERIAL 2. SUMMARY OF MATERIAL ACCOUNTING POLICIES
(Lanjutan) (Continued)
j. Identifikasi dan pengukuran kerugian j. Identification and measurement of
penurunan nilai (Lanjutan) impairment losses (Continued)
Bank menggunakan model yang kompleks dengan The Bank primarily uses sophisticated model
menggunakan matriks probability of default that utilize the probability of default (“PD”),
(“PD”), loss given default (“LGD”) dan exposure loss given default (“LGD”) and exposure at
at default (“EAD”), yang didiskontokan default (“EAD”) metrics, discounted using the
menggunakan suku bunga efektif. effective interest rate.
a. Probability of Default (“PD”) a. Probability of Default (“PD”)
Probabilitas yang timbul di suatu waktu The probability at a point in time that a
dimana debitur mengalami gagal bayar, counterparty will default, calibrated over
dikalibrasikan sampai dengan 12 bulan dari up to 12 months from the reporting date
tanggal laporan (Tahap 1) atau sepanjang (Stage 1) or over the lifetime of the product
umur (Tahap 2 dan 3) dan digabungkan pada (Stage 2 and 3) and incorporating the
dampak asumsi ekonomi masa depan yang impact of forward-looking economic
memiliki risiko kredit. PD diestimasikan assumptions that have an effect on credit
pada point in time dimana hal ini risk. PD is estimated at a point in time that
berfluktuasi sejalan dengan siklus ekonomi. means it will fluctuate in line with the
economic cycle.
b. Loss Given Default (“LGD”) b. Loss Given Default (“LGD”)
Kerugian yang diperkirakan akan timbul dari The loss that is expected to arise on
debitur yang mengalami gagal bayar dengan default, incorporating the impact of
menggabungkan dampak dari asumsi relevant forward looking economic
ekonomi masa depan yang relevan (jika ada) assumptions (if any), which represents the
dimana hal ini mewakili perbedaan antara difference between the contractual cash
arus kas kontraktual yang akan jatuh tempo flows due and those that expects to receive.
dengan arus kas yang diharapkan untuk The Bank estimates LGD based on the
diterima. Bank mengestimasikan LGD historical recovery rates and considers the
berdasarkan data historis dari tingkat recovery of any collateral that is integral to
pemulihan dan memperhitungkan the financial assets, taking into account
pemulihan yang berasal dari jaminan forward looking economic assumptions if
terhadap aset keuangan dengan relevant.
mempertimbangkan asumsi ekonomi di masa
depan jika relevan.
c. Exposure at Default (“EAD”) c. Exposure at Default (“EAD”)
Perkiraan nilai eksposur neraca pada saat The expected balance sheet exposure at the
gagal bayar dengan mempertimbangkan time of default, taking into account that
bahwa perubahan ekspektasi yang expected change in exposure over the
diharapkan selama masa eksposur. Hal ini lifetime of the exposure. This incorporates
menggabungkan dampak penarikan fasilitas the impact of drawdowns of committed
yang committed pembayaran pokok dan facilities, repayments of principal and
bunga, amortisasi dan pembayaran interest, amortization and prepayments,
dipercepat, bersama dengan dampak asumsi together with the impact of forward looking
ekonomi masa depan jika relevan. economic assumptions where relevant.
Page 518
These Financial Statements are Originally Issued
in Indonesian Language
Ekshibit E/26 Exhibit E/26
PT BANK MASPION INDONESIA TBK PT BANK MASPION INDONESIA TBK
CATATAN ATAS LAPORAN KEUANGAN NOTES TO FINANCIAL STATEMENTS
UNTUK TAHUN YANG BERAKHIR PADA FOR THE YEAR ENDED
31 DESEMBER 2024 31 DECEMBER 2024
(Disajikan dalam ribuan Rupiah, kecuali dinyatakan lain) (Expressed in thousands of Rupiah, unless otherwise stated)
2. IKHTISAR KEBIJAKAN AKUNTANSI MATERIAL 2. SUMMARY OF MATERIAL ACCOUNTING POLICIES
(Lanjutan) (Continued)
j. Identifikasi dan pengukuran kerugian j. Identification and measurement of
penurunan nilai (Lanjutan) impairment losses (Continued)
Bank menggunakan model yang kompleks dengan The Bank primarily uses sophisticated model
menggunakan matriks probability of default that utilize the probability of default (“PD”),
(“PD”), loss given default (“LGD”) dan exposure loss given default (“LGD”) and exposure at
at default (“EAD”), yang didiskontokan default (“EAD”) metrics, discounted using the
menggunakan suku bunga efektif. (Lanjutan) effective interest rate. (Continued)
d. Expected Credit Loss (“ECL”) d. Expected Credit Loss (“ECL”)
Perhitungan penurunan nilai aset keuangan Calculation for allowance for impairment
menerapkan pendekatan tiga tahap untuk losses on financial assets applies three
mengukur kerugian kredit ekspektasian stages approach to measuring expected
(“ECL”). Aset keuangan bermigrasi melalui credit loss (“ECL”). Financial assets migrate
tiga tahap berikut berdasarkan perubahan through the following three stages based on
kualitas kredit sejak awal: the change in credit quality since initial
recognition:
Tahap 1: ECL 12 bulan Stage 1: 12 months ECL
Untuk eksposur yang tidak mengalami For exposure where there has not been
peningkatan risiko kredit secara a significant increase in credit risk since
signifikan sejak pengakuan awal dan initial recognition and that are not
bukan merupakan kredit yang pada credit impaired upon origination, the
awalnya mengalami penurunan nilai, portion of the lifetime ECL associated
bagian dari ECL sepanjang umurnya with the probability of default events
terkait dengan probabilitas kejadian occurring within the next 12 months is
default yang terjadi dalam 12 bulan ke recognized.
depan diakui.
Tahap 2: ECL sepanjang umurnya (tidak Stage 2: Life time ECL (non-impaired)
mengalami penurunan nilai)
Untuk eksposur yang telah terjadi For exposure where there has been a
peningkatan risiko kredit secara significant increase in credit risk since
signifikan sejak pengakuan awal tetapi initial recognition but that are not
tidak mengalami penurunan nilai, maka impaired, a life time ECL is recognized.
ECL sepanjang umur diakui.
Tahap 3: ECL sepanjang umurnya Stage 3: Life time ECL (impaired)
(mengalami penurunan nilai)
Aset keuangan dinilai mengalami Financial assets are assessed as impaired
penurunan nilai ketika satu atau lebih when one or more event that have a
peristiwa yang memiliki dampak yang detrimental impact on the estimated
merugikan terhadap perkiraan arus kas future cash flow of that asset have
masa depan dari aset tersebut telah occurred.
terjadi.
Page 519
These Financial Statements are Originally Issued
in Indonesian Language
Ekshibit E/27 Exhibit E/27
PT BANK MASPION INDONESIA TBK PT BANK MASPION INDONESIA TBK
CATATAN ATAS LAPORAN KEUANGAN NOTES TO FINANCIAL STATEMENTS
UNTUK TAHUN YANG BERAKHIR PADA FOR THE YEAR ENDED
31 DESEMBER 2024 31 DECEMBER 2024
(Disajikan dalam ribuan Rupiah, kecuali dinyatakan lain) (Expressed in thousands of Rupiah, unless otherwise stated)
2. IKHTISAR KEBIJAKAN AKUNTANSI MATERIAL 2. SUMMARY OF MATERIAL ACCOUNTING POLICIES
(Lanjutan) (Continued)
j. Identifikasi dan pengukuran kerugian j. Identification and measurement of
penurunan nilai (Lanjutan) impairment losses (Continued)
d. Expected Credit Loss (“ECL”) (Lanjutan) d. Expected Credit Loss (“ECL”) (Continued)
Khusus untuk debitur yang terkena dampak Specifically for debtors affected by
COVID-19 dan dalam program restrukturisasi COVID-19 and under COVID-19 restructuring
COVID-19, maka untuk perhitungan ECL program, in term of the ECL calculation, it
tidak secara otomatis memicu peningkatan may not automatically trigger a significant
risiko kredit yang signifikan. increase in credit risk.
Bank mempertimbangkan pengalaman The Bank considers its historical loss
kerugian historisnya dan menyesuaikan experience and adjust this for current
dengan data yang dapat diobservasi saat ini. observable data. In addition, uses of
Selain hal tersebut, penggunaan perkiraan reasonable and supportable forecasts of
yang wajar dan mendukung kondisi ekonomi future economic conditions including
masa depan termasuk pertimbangan untuk experienced judgment to estimate the
mengestimasi jumlah kerugian penurunan amount of an expected impairment loss.
nilai ekspektasian.
PSAK 109 memperkenalkan penggunaan faktor- PSAK 109 introduces the use of macroeconomic
faktor ekonomi makro yang mencakup, tetapi factors which include, but its not limited to,
tidak terbatas pada tingkat pengangguran, suku unemployment, interest rates, gross domestic
bunga, produk domestik bruto, inflasi, harga product, inflation, commercial property price
properti, dan harga BBM dan mensyaratkan and fuel prices, and requires an evaluation of
evaluasi baik saat ini dan perkiraan arah siklus both the current and forecast direction of the
ekonomi. Memasukkan informasi forward economic cycle. Incorporating forward looking
looking untuk menambah justifikasi mengenai information increase the level of judgment as
dampak perubahan pada faktor-faktor makro to how to change in these macroeconomic
ekonomi akan mempengaruhi perhitungan ECL. factors will affect ECL.
Metodologi dan asumsi termasuk setiap The methodology and assumptions including
perkiraan kondisi ekonomi masa depan ditelaah any forecasts of future economic conditions are
secara berkala. reviewed regularly.
Cadangan kerugian untuk ECL disajikan dalam Loss allowances for ECL are presented in the
laporan posisi keuangan sebagai berikut: statement of financial position as follows:
Aset keuangan diukur pada biaya perolehan Financial assets measured at amortized
diamortisasi: sebagai pengurang dari nilai cost: as a deduction from the gross carrying
tercatat bruto aset; amount of the assets;
Komitmen pinjaman dan kontrak jaminan Loan commitments and financial guarantee
keuangan: umumnya, sebagai provisi yang contracts: generally, as a provision which is
dicatat pada liabilitas lainnya. presented in other liabilities.
Hapus buku aset keuangan Write off of financial assets
Aset keuangan dan penyisihan yang terkait Financial assets and the associated allowance
dihapusbukukan jika tidak ada peluang yang are written off in the absence of realistic
realistis untuk pengembalian di masa datang opportunities for future returns and any
dan semua jaminan telah direalisasi atau sudah warranties have been realized or taken over by
diambil alih oleh Bank. Aset keuangan tersebut the Bank. The financial assets were written off
dihapus buku dengan mendebit cadangan against the related allowance for impairment
kerugian penurunan nilai. Aset keuangan losses. The financial assets may be removed
tersebut dapat dihapus buku setelah semua after all necessary procedures have been
prosedur yang diperlukan telah dilakukan dan performed and the amount of loss has been
jumlah kerugian telah ditentukan. determined.
Page 520
These Financial Statements are Originally Issued
in Indonesian Language
Ekshibit E/28 Exhibit E/28
PT BANK MASPION INDONESIA TBK PT BANK MASPION INDONESIA TBK
CATATAN ATAS LAPORAN KEUANGAN NOTES TO FINANCIAL STATEMENTS
UNTUK TAHUN YANG BERAKHIR PADA FOR THE YEAR ENDED
31 DESEMBER 2024 31 DECEMBER 2024
(Disajikan dalam ribuan Rupiah, kecuali dinyatakan lain) (Expressed in thousands of Rupiah, unless otherwise stated)
2. IKHTISAR KEBIJAKAN AKUNTANSI MATERIAL 2. SUMMARY OF MATERIAL ACCOUNTING POLICIES
(Lanjutan) (Continued)
j. Identifikasi dan pengukuran kerugian j. Identification and measurement of
penurunan nilai (Lanjutan) impairment losses (Continued)
Hapus buku aset keuangan (Lanjutan) Write off of financial assets (Continued)
Penerimaan kembali atas aset keuangan yang Subsequent recoveries from financial assets
telah dihapusbukukan pada periode berjalan di which were written off in the current period is
kreditkan dengan menyesuaikan akun cadangan credited to the allowance for impairment
kerugian penurunan nilai. Sementara, losses account. While, subsequent recoveries
penerimaan kembali atas aset keuangan yang from financial assets which were written off in
telah dihapusbukukan pada periode sebelumnya the previous period are recorded as other
dicatat sebagai pendapatan operasional lainnya operating income in the statement of profit or
pada laporan laba rugi. loss.
k. Beban dibayar di muka k. Prepaid expenses
Beban dibayar di muka diamortisasi selama Prepaid expenses are amortized over the
masa manfaat masing-masing biaya dengan beneficial periods using the straight-line
menggunakan metode garis lurus. method.
l. Aset tetap dan penyusutan l. Fixed assets and depreciation
Bank menerapkan kebijakan akuntansi model Bank applies revaluation model as accounting
revaluasi untuk aset tetap tanah dan bangunan. policy for land and buildings. For fixed assets
Untuk aset tetap selain tanah dan bangunan other than land and buildings, it applies cost
menggunakan model biaya. model.
Tanah dan bangunan disajikan sebesar nilai Land and buildings are shown at fair value, less
wajar, dikurangi akumulasi penyusutan untuk accumulated depreciation for buildings.
bangunan. Penilaian terhadap tanah dan Valuation of land and buildings are performed
bangunan dilakukan oleh penilai independen by external independent valuers with certain
eksternal yang telah memiliki sertifikasi. qualification. Valuation is performed with
Penilaian atas aset tersebut dilakukan secara sufficient regularity to ensure that the fair
berkala untuk memastikan bahwa nilai wajar value of a revalued asset does not differ
aset yang direvaluasi tidak berbeda secara materially from its carrying amount. Any
material dengan nilai tercatatnya. Akumulasi accumulated depreciation at the date of
penyusutan pada tanggal revaluasi dieliminasi revaluation is eliminated against the gross
terhadap nilai tercatat bruto aset, dan nilai carrying amount of the asset, and the net
bersihnya disajikan kembali sebesar nilai amount is restated to the revalued amount of
revalusian aset tetap. the asset.
Jika nilai wajar dari aset yang direvaluasi If the fair value of the revalued asset change
mengalami perubahan yang signifikan dan significantly, it is necessary to revaluate on an
fluktuatif, maka perlu direvaluasi secara annual basis, whereas if the fair value of the
tahunan, sedangkan jika nilai wajar dari aset revaluated asset does not change significantly,
yang direvaluasi tidak mengalami perubahan it is necessary to revaluate at a minimum every
yang signifikan dan fluktuatif, maka perlu 5 years.
dilakukan revaluasi paling kurang 5 tahun
sekali.
Kenaikan nilai tercatat yang timbul dari Increases in the carrying amount arising on
revaluasi tanah dan bangunan dicatat sebagai revaluation of land and buildings is recorded in
“Selisih Lebih Revaluasi Aset Tetap” dan “Revaluation Surplus of Fixed Assets” and
disajikan sebagai “Penghasilan Komprehensif presented as “Other Comprehensive Income”.
Lain”. Penurunan nilai tercatat yang timbul dari Decrease in carrying amount as a result of
penurunan nilai, jika ada, dicatat sebagai beban impairment, if any, is recorded as expenses in
pada tahun berjalan. Apabila aset tersebut the current year. If the asset has a balance on
memiliki saldo “Selisih Lebih Revaluasi Aset its “Revaluation Surplus of Fixed Assets”, the
Tetap”, maka penurunan nilai dibebankan pada impairment loss is charged to “Revaluation
“Selisih Lebih Revaluasi Aset Tetap” yang Surplus of Fixed Assets” which presented as
disajikan pada “Penghasilan Komprehensif “Other Comprehensive Income” and the
Lain”, dan saldonya diakui sebagai beban tahun balance is charged to current year’s expenses.
berjalan.
Page 521
These Financial Statements are Originally Issued
in Indonesian Language
Ekshibit E/29 Exhibit E/29
PT BANK MASPION INDONESIA TBK PT BANK MASPION INDONESIA TBK
CATATAN ATAS LAPORAN KEUANGAN NOTES TO FINANCIAL STATEMENTS
UNTUK TAHUN YANG BERAKHIR PADA FOR THE YEAR ENDED
31 DESEMBER 2024 31 DECEMBER 2024
(Disajikan dalam ribuan Rupiah, kecuali dinyatakan lain) (Expressed in thousands of Rupiah, unless otherwise stated)
2. IKHTISAR KEBIJAKAN AKUNTANSI MATERIAL 2. SUMMARY OF MATERIAL ACCOUNTING POLICIES
(Lanjutan) (Continued)
l. Aset tetap dan penyusutan (Lanjutan) l. Fixed assets and depreciation (Continued)
Aset tetap selain tanah dan bangunan awalnya Fixed assets other than land and buildings are
diakui sebesar biaya perolehan, yang terdiri initially recognized at cost, which comprises its
atas harga perolehan dan biaya-biaya tambahan purchase price and any costs directly
yang dapat diatribusikan langsung untuk attributable in bringing the asset to the
membawa aset ke lokasi dan kondisi yang location and condition necessary for it to be
diinginkan supaya aset tersebut siap digunakan capable of operating in the manner intended by
sesuai dengan maksud manajemen. management.
Setelah pengakuan awal, aset tetap, kecuali Subsequent to initial recognition, fixed assets,
tanah dan bangunan, dinyatakan pada biaya except for land and buildings, are carried at
perolehan dikurangi akumulasi penyusutan dan cost less any subsequent accumulated
rugi penurunan nilai. depreciation and impairment losses.
Penyusutan dihitung berdasarkan metode garis Depreciation is computed using the straight-
lurus berdasarkan tarif sebagai berikut: line method based on rate as follows:
Taksiran Tarif
masa manfaat/ penyusutan/
Estimated Depreciation
useful life rate
Bangunan dan prasarana 30 tahun/year 3,3% Buildings and improvements
Mesin pembangkit tenaga listrik 10 tahun/year 10% Power generator
Perabot dan peralatan kantor 3 - 5 tahun/year 20% - 33,3% Furniture and office equipment
Kendaraan bermotor 8 tahun/year 12,5% Motor vehicles
Perabot dan peralatan kantor terdiri dari Furniture and office equipment consists of
instalasi, ATM, CRM, perangkat keras komputer, installation, ATM, CRM, computer hardware,
peralatan komunikasi dan peralatan kantor communication and other office equipment.
lainnya.
Penilaian aset tetap dilakukan atas penurunan The carrying amounts of fixed assets are
dan kemungkinan penurunan nilai wajar aset reviewed for impairment when events or
jika terjadi peristiwa atau perubahan keadaan changes in circumstances indicate that the
yang mengindikasikan bahwa nilai tercatat carrying values may not be fully recoverable.
mungkin tidak dapat seluruhnya terealisasi.
Jumlah tercatat aset tetap dihentikan An item of fixed assets is derecognized upon
pengakuannya pada saat dilepaskan atau saat disposal or when no future economic benefits
tidak ada manfaat ekonomis masa depan yang are expected from its use or disposal. Any gain
diharapkan dari penggunaan atau or loss arising on derecognition of the asset
pelepasannya. Laba atau rugi yang timbul dari (calculated as the difference between the net
penghentian pengakuan aset (dihitung sebagai disposal proceeds and the carrying amount of
perbedaan antara jumlah bersih hasil pelepasan the asset) is included in the statement of profit
dan jumlah tercatat dari aset) dimasukkan or loss and other comprehensive income in the
dalam laporan laba rugi dan penghasilan year the asset is derecognized.
komprehensif lain pada tahun aset tersebut
dihentikan pengakuannya.
Pada setiap akhir tahun buku, nilai residu, masa At each financial year end, the assets’ residual
manfaat dan metode penyusutan ditelaah, dan values, useful lives and methods of
jika sesuai dengan keadaan, disesuaikan secara depreciation are reviewed, and adjusted
prospektif. prospectively as appropriate.
Page 522
These Financial Statements are Originally Issued
in Indonesian Language
Ekshibit E/30 Exhibit E/30
PT BANK MASPION INDONESIA TBK PT BANK MASPION INDONESIA TBK
CATATAN ATAS LAPORAN KEUANGAN NOTES TO FINANCIAL STATEMENTS
UNTUK TAHUN YANG BERAKHIR PADA FOR THE YEAR ENDED
31 DESEMBER 2024 31 DECEMBER 2024
(Disajikan dalam ribuan Rupiah, kecuali dinyatakan lain) (Expressed in thousands of Rupiah, unless otherwise stated)
2. IKHTISAR KEBIJAKAN AKUNTANSI MATERIAL 2. SUMMARY OF MATERIAL ACCOUNTING POLICIES
(Lanjutan) (Continued)
l. Aset tetap dan penyusutan (Lanjutan) l. Fixed assets and depreciation (Continued)
Akumulasi biaya konstruksi aset tetap The accumulated costs of construction of fixed
dikapitalisasi dan dicatat sebagai “Aset dalam assets are capitalized and recognized as “Assets
Pembangunan”. Biaya tersebut direklasifikasi Under Construction”. These costs are
ke akun aset tetap pada saat proses konstruksi reclassified to the related fixed asset account
atau pemasangan selesai. when the construction or installation is
completed.
Beban pemeliharaan dan perbaikan dibebankan Repairs and maintenance are taken to the
pada laporan laba rugi dan penghasilan statement of profit or loss and other
komprehensif lain pada saat terjadinya. Beban comprehensive income when these are
pemugaran dan penambahan dalam jumlah incurred. The cost of major renovation and
besar dikapitalisasi kepada jumlah tercatat aset restoration is included in the carrying amount
tetap terkait bila besar kemungkinan manfaat of the related fixed asset when it is probable
ekonomi masa depan menjadi lebih besar dari that future economic benefits in excess of the
standar kinerja awal yang ditetapkan originally assessed standard of performance of
sebelumnya dan disusutkan sepanjang sisa masa the existing asset is depreciated over the
manfaat aset tetap terkait. remaining useful life of the related asset.
Biaya pengurusan legal hak atas tanah dalam The legal cost of land rights in the form of
bentuk Hak Guna Usaha (“HGU”), Hak Guna Business Usage Rights (“HGU”), Building Usage
Bangunan (“HGB”) dan Hak Pakai (“HP”) ketika Right (“HGB”) and Usage Rights (“HP”) when
tanah diperoleh pertama kali diakui sebagai the land was initially acquired are recognized
bagian dari biaya perolehan tanah pada akun as part of the cost of the land under the “Fixed
“Aset Tetap”. Biaya pengurusan perpanjangan Assets”. The extension or the legal renewal
atau pembaruan legal hak atas tanah diakui costs of land rights were recognized as
sebagai aset tak berwujud dan diamortisasi intangible assets and were amortized over the
sepanjang umur hak hukum atau umur ekonomi shorter of the rights' legal life and land's
tanah, mana yang lebih pendek. economic life.
m. Aset tak berwujud m. Intangible assets
Aset tak berwujud yang dimiliki Bank terdiri dari Intangible assets owned by the Bank comprised
perangkat lunak. software.
Perangkat lunak pada awalnya diukur sebesar Software is initially measured at acquisition
biaya perolehan yang mencakup semua biaya costs, which includes any directly attributable
yang dapat diatribusikan secara langsung dalam costs of preparing the asset for its intended
mempersiapkan aset tersebut sehingga siap use. Subsequent to initial recognition, software
untuk digunakan. Setelah pengakuan awal, is measured at cost less accumulated
perangkat lunak diukur sebesar biaya perolehan amortization and accumulated impairment
dikurangi akumulasi amortisasi dan akumulasi losses.
rugi penurunan nilai aset.
Pengeluaran selanjutnya yang jumlahnya Significant subsequent expenditure on software
signifikan akan dikapitalisasi hanya jika assets is capitalized only when it increases the
pengeluaran tersebut menambah manfaat future economic benefits embodied in the
ekonomis aset yang bersangkutan di masa specific asset to which it relates. All other
mendatang. Pengeluaran lainnya dibebankan expenditures are expensed as incurred.
pada saat terjadinya.
Perangkat lunak diamortisasi berdasarkan Software is amortized over the estimated
taksiran masa manfaat ekonomis aset selama useful life of 5 years using the straight-line
5 tahun dengan menggunakan metode garis method or with amortization rate of 20% from
lurus atau dengan tarif amortisasi sebesar 20% the date that it is available for use.
sejak tanggal dimana aset siap untuk
digunakan.
Page 523
These Financial Statements are Originally Issued
in Indonesian Language
Ekshibit E/31 Exhibit E/31
PT BANK MASPION INDONESIA TBK PT BANK MASPION INDONESIA TBK
CATATAN ATAS LAPORAN KEUANGAN NOTES TO FINANCIAL STATEMENTS
UNTUK TAHUN YANG BERAKHIR PADA FOR THE YEAR ENDED
31 DESEMBER 2024 31 DECEMBER 2024
(Disajikan dalam ribuan Rupiah, kecuali dinyatakan lain) (Expressed in thousands of Rupiah, unless otherwise stated)
2. IKHTISAR KEBIJAKAN AKUNTANSI MATERIAL 2. SUMMARY OF MATERIAL ACCOUNTING POLICIES
(Lanjutan) (Continued)
n. Agunan yang diambil alih n. Foreclosed collaterals
Agunan yang diambil alih (AYDA) adalah aset Foreclosed asset (AYDA) is an asset obtained by
yang diperoleh Bank, baik melalui pelelangan the Bank, either through auctions or outside of
maupun di luar pelelangan berdasarkan auctions on the basis of voluntary submission by
penyerahan secara sukarela oleh pemilik the owner of the collateral or by the approval
agunan atau berdasarkan kuasa untuk menjual to sell outside the auction of the collateral
di luar lelang dari pemilik agunan dalam hal owner in the event that the debtor could not
debitur tidak memenuhi liabilitasnya kepada fulfill its obligations to the Bank. AYDA
Bank. AYDA merupakan jaminan kredit yang represent loan collateral that were taken over
diberikan yang telah diambil alih sebagai bagian as part of loans settlement and presented in
dari penyelesaian kredit yang diberikan dan the account “Other assets”.
disajikan pada akun “Aset lain-lain”.
AYDA dinyatakan sebesar nilai realisasi bersih AYDA are stated at net realizable value or at
atau sebesar nilai tercatat dari kredit, yang loan carrying amount, whichever is lower. Net
mana yang lebih rendah. Nilai realisasi bersih realizable value is the fair value of foreclosed
adalah nilai wajar agunan yang diambil alih assets less estimated costs to sell the
dikurangi dengan estimasi biaya untuk menjual collateral. The Bank does not recognize any
agunan tersebut. Bank tidak mengakui gain arising from the foreclosure of assets. The
keuntungan pada saat pengambilalihan agunan. excess of the outstanding loan balance over the
Selisih lebih saldo kredit di atas nilai realisasi net realizable value of the foreclosed assets is
bersih dari agunan yang diambil alih dibebankan charged to the allowance for impairment
ke dalam akun cadangan kerugian penurunan losses. The difference between the value of the
nilai aset. Selisih antara nilai agunan yang foreclosed assets and the proceeds of sale is
diambil alih dengan hasil penjualannya diakui recognized as a gain or loss at the time of sale.
sebagai keuntungan atau kerugian pada saat
penjualan.
Manajemen mengevaluasi nilai agunan yang Management evaluates the value of foreclosed
diambil alih secara berkala. Penyisihan kerugian collaterals periodically. An allowance for
agunan yang diambil alih dibentuk berdasarkan possible losses foreclosed assets is provided
penurunan nilai agunan yang diambil alih. based on the impairment of foreclosed
collaterals.
Beban perbaikan (reconditioning cost) yang Reconditioning costs arising after foreclosure
timbul setelah pengambilalihan agunan capitalized in the accounts of the foreclosed
dikapitalisasi dalam akun agunan yang diambil collaterals.
alih tersebut.
Bila terjadi penurunan nilai yang bersifat If there is permanent decline in value, the
permanen, maka nilai tercatatnya dikurangi carrying amount of foreclosed collaterals is
untuk mengakui penurunan tersebut dan written down to recognize such permanent
kerugiannya dibebankan dalam laporan laba decline in value. Any such write-down is
rugi. recognized in the statement of profit or loss.
o. Liabilitas segera o. Liabilities due immediately
Liabilitas segera dicatat pada saat timbulnya This account is recorded at the time the
kewajiban atau diterimanya perintah obligations occur or upon receipt of transfer
pemindah-bukuan dari nasabah maupun dari orders from customers or other banks.
bank lain.
Liabilitas segera dicatat berdasarkan biaya Liabilities due immediately are stated at
perolehan diamortisasi dan diklasifikasikan amortized cost and classified as other financial
sebagai liabilitas keuangan lainnya. liabilities.
p. Simpanan dari nasabah p. Deposits from customers
Giro merupakan simpanan nasabah yang dapat Current accounts represent customer funds
digunakan sebagai alat pembayaran, yang which can be use as payment instruments and
penarikannya dapat dilakukan setiap saat can be withdrawn at any time through cheque
melalui cek atau dengan cara pemindahbukuan or transferred through current account drafts
dengan bilyet giro dan sarana perintah and other transfer instruction media.
pembayaran lainnya.
Page 524
These Financial Statements are Originally Issued
in Indonesian Language
Ekshibit E/32 Exhibit E/32
PT BANK MASPION INDONESIA TBK PT BANK MASPION INDONESIA TBK
CATATAN ATAS LAPORAN KEUANGAN NOTES TO FINANCIAL STATEMENTS
UNTUK TAHUN YANG BERAKHIR PADA FOR THE YEAR ENDED
31 DESEMBER 2024 31 DECEMBER 2024
(Disajikan dalam ribuan Rupiah, kecuali dinyatakan lain) (Expressed in thousands of Rupiah, unless otherwise stated)
2. IKHTISAR KEBIJAKAN AKUNTANSI MATERIAL 2. SUMMARY OF MATERIAL ACCOUNTING POLICIES
(Lanjutan) (Continued)
p. Simpanan dari nasabah (Lanjutan) p. Deposits from customers (Continued)
Tabungan merupakan simpanan nasabah yang Savings accounts represent customer funds
penarikannya hanya dapat dilakukan nasabah which can be withdrawn by the depositors only
sesuai dengan persyaratan tertentu yang under certain conditions. Savings accounts are
disepakati. Tabungan dinyatakan sebesar nilai stated at the agreed amounts due to the
kewajiban pada pemilik tabungan. depositors.
Deposito berjangka merupakan simpanan Time deposits represent customer funds which
nasabah yang penarikannya hanya dapat can be withdrawn by the depositors only on
dilakukan pada waktu tertentu dan dinyatakan specific maturity dates and stated at the
sebesar nilai nominal yang tercantum dalam nominal amounts stated in the certificates
sertifikat yang diterbitkan oleh Bank, sesuai issued by the Bank, based on the agreements
dengan perjanjian antara nasabah dengan Bank. between the depositors and the Bank.
Simpanan nasabah diklasifikasikan sebagai Deposits from customers are classified as other
liabilitas keuangan yang diukur pada biaya financial liabilities and measured at amortized
perolehan diamortisasi menggunakan suku cost using the effective interest rate.
bunga efektif. Biaya tambahan yang dapat Incremental costs directly attributable to the
diatribusikan secara langsung dengan perolehan acquisition of deposits from customers are
simpanan nasabah dikurangkan dari jumlah deducted from the amount of deposits.
simpanan yang diterima.
q. Simpanan dari bank lain q. Deposits from other banks
Simpanan dari bank lain terdiri dari liabilitas Deposits from other banks represent liabilities
terhadap bank lain, baik lokal maupun luar to local and overseas banks, in the form of
negeri, dalam bentuk giro, tabungan, deposito current accounts, savings accounts, time
berjangka dan call money. deposits and call money.
Simpanan dari bank lain diklasifikasikan sebagai Deposits from other banks are classified as
liabilitas keuangan lain yang diukur dengan other financial liabilities which are measured
biaya perolehan diamortisasi dengan at amortized cost using effective interest rate
menggunakan metode suku bunga efektif. Biaya method. Incremental costs directly
tambahan yang dapat diatribusikan secara attributable to the acquisition of deposits from
langsung dengan perolehan simpanan dari bank other banks are deducted from the amount of
lain dikurangkan dari jumlah simpanan yang deposits.
diterima.
r. Pendapatan dan beban bunga r. Interest income and expense
Pendapatan dan beban bunga untuk semua Interest income and expense for all interest-
instrumen keuangan yang dikenakan suku bunga bearing financial instruments are recognized in
diakui pada laporan laba rugi dan penghasilan the statement of profit or loss and other
komprehensif lain dengan menggunakan comprehensive income using the effective
metode suku bunga efektif. Suku bunga efektif interest rate method. The effective interest
adalah suku bunga yang secara tepat rate is the rate that exactly discounts the
mendiskontokan estimasi pembayaran atau estimated future cash payments or receipts
penerimaan kas di masa datang selama through the expected life of the financial
perkiraan umur dari aset keuangan atau assets and financial liabilities (or, where
liabilitas keuangan (atau, jika lebih tepat, appropriate, a shorter period) to obtain net
digunakan periode yang lebih singkat) untuk carrying amount of the financial asset or
memperoleh nilai tercatat bersih dari instrumen financial liability. When calculating the
keuangan atau liabilitas keuangan. Pada saat effective interest rate, the Bank estimates
menghitung suku bunga efektif, Bank future cash flows considering all contractual
mengestimasi arus kas di masa datang dengan terms of the financial instrument but not
mempertimbangkan seluruh persyaratan future credit losses. This calculation includes
kontraktual dalam instrumen keuangan all commissions, fees, and other forms received
tersebut, tetapi tidak mempertimbangkan by the parties in the contract which are an
kerugian kredit di masa mendatang. integral part of the effective interest rate,
Perhitungan ini mencakup seluruh komisi, transaction costs, and all other premiums or
provisi dan bentuk lain diterima oleh para pihak discounts.
dalam kontrak yang merupakan bagian tidak
terpisahkan dari suku bunga efektif, biaya
transaksi dan seluruh premi atau diskon lainnya.
Page 525
These Financial Statements are Originally Issued
in Indonesian Language
Ekshibit E/33 Exhibit E/33
PT BANK MASPION INDONESIA TBK PT BANK MASPION INDONESIA TBK
CATATAN ATAS LAPORAN KEUANGAN NOTES TO FINANCIAL STATEMENTS
UNTUK TAHUN YANG BERAKHIR PADA FOR THE YEAR ENDED
31 DESEMBER 2024 31 DECEMBER 2024
(Disajikan dalam ribuan Rupiah, kecuali dinyatakan lain) (Expressed in thousands of Rupiah, unless otherwise stated)
2. IKHTISAR KEBIJAKAN AKUNTANSI MATERIAL 2. SUMMARY OF MATERIAL ACCOUNTING POLICIES
(Lanjutan) (Continued)
r. Pendapatan dan beban bunga (Lanjutan) r. Interest income and expense (Continued)
Jika aset keuangan atau kelompok aset If a financial asset or group of similar financial
keuangan serupa telah diturunkan nilainya assets’ value has diminished as a result of
sebagai akibat kerugian penurunan nilai, maka impairment losses, interest income
pendapatan bunga yang diperoleh setelahnya subsequently obtained is recognized based on
diakui berdasarkan suku bunga efektif yang the effective interest rate used to discount
digunakan untuk mendiskonto arus kas masa future cash flows in calculating impairment
datang dalam menghitung kerugian penurunan losses.
nilai.
Kredit yang pembayaran angsuran pokok atau Loans for which the principal or interest has
bunganya telah lewat 90 (sembilan puluh) hari been past due for 90 (ninety) days or more, or
atau lebih setelah jatuh tempo, atau kredit where reasonable doubt exists as to its timely
yang pembayarannya secara tepat waktu collection, are generally classified as impaired
diragukan, secara umum diklasifikasikan loans.
sebagai kredit yang mengalami penurunan nilai
(impairment).
s. Pendapatan provisi dan komisi s. Fees and commission income
Pendapatan provisi dan komisi yang berkaitan Fees and commissions directly related to
langsung dengan kegiatan pinjaman, atau lending activities, or fee and commission
pendapatan provisi dan komisi yang berhubungan income which relates to a specific period, is
dengan jangka waktu tertentu, diamortisasi sesuai amortized over the term of the contract using
dengan jangka waktu kontrak menggunakan the effective interest rate method and
metode suku bunga efektif dan diklasifikasikan classified as part of interest income in the
sebagai bagian dari pendapatan bunga pada laporan statement of profit or loss and other
laba rugi dan penghasilan komprehensif lain. comprehensive income.
Pendapatan provisi dan komisi yang tidak berkaitan Fees and commissions that are not related to the
dengan kegiatan pemberian kredit atau suatu credit activity or a period of time and/or
jangka waktu dan/atau terkait dengan pemberian associated with the service provided, are
suatu jasa, diakui sebagai pendapatan pada saat recognized as revenue at the time of the
terjadinya transaksi dan dicatat pada akun transaction and recorded under other operating
pendapatan operasional lainnya. income.
t. Transaksi sewa t. Lease transaction
Bank telah merapkan PSAK 116 “Sewa” sejak Bank has applied PSAK 116 “Lease” since on
tanggal 1 Januari 2020. 1 January 2020.
Pada tanggal permulaan kontrak, Bank menilai At the inception of a contract, the Bank assesses
apakah kontrak merupakan atau mengandung whether the contract is or contains a lease.
sewa. Suatu kontrak merupakan atau mengandung A contract is or contains a lease if the contract
sewa jika kontrak tersebut memberikan hak untuk conveys the right to control the use of an identified
mengendalikan penggunaan aset identifikasian assets for a period of time in exchange for
selama suatu jangka waktu untuk dipertukarkan consideration. The Bank can choose not to
dengan imbalan. Perseroan dapat memilih untuk recognize the right-of-use asset and lease
tidak mengakui aset hak-guna dan liabilitas sewa liabilities for:
untuk:
Sewa jangka pendek; dan Short-term lease; and
Sewa yang aset pendasarnya bernilai Leases of low value assets.
rendah.
Page 526
These Financial Statements are Originally Issued
in Indonesian Language
Ekshibit E/34 Exhibit E/34
PT BANK MASPION INDONESIA TBK PT BANK MASPION INDONESIA TBK
CATATAN ATAS LAPORAN KEUANGAN NOTES TO FINANCIAL STATEMENTS
UNTUK TAHUN YANG BERAKHIR PADA FOR THE YEAR ENDED
31 DESEMBER 2024 31 DECEMBER 2024
(Disajikan dalam ribuan Rupiah, kecuali dinyatakan lain) (Expressed in thousands of Rupiah, unless otherwise stated)
2. IKHTISAR KEBIJAKAN AKUNTANSI MATERIAL 2. SUMMARY OF MATERIAL ACCOUNTING POLICIES
(Lanjutan) (Continued)
t. Transaksi sewa (Lanjutan) t. Lease transaction (Continued)
Untuk menilai apakah kontrak memberikan hak To assess whether a contract conveys the right
untuk mengendalikan penggunaan aset to control the use of an identified asset, the
identifikasian, Bank harus menilai apakah: Bank shall assess whether:
Bank memiliki hak untuk mendapatkan The Bank has the right to obtain
secara substansial seluruh manfaat ekonomi substantially all the economic benefit from
dari penggunaan aset identifikasian; dan use of the asset throughout the period of
use; and
Bank memiliki hak untuk mengarahkan The Bank has the right to direct the use of
penggunaan aset identifikasian. Bank the asset. The Bank has described when it
memiliki hak ini ketika Bank memiliki hak has decision-making rights that are the
untuk pengambilan keputusan yang relevan most relevant to changing how and for what
tentang bagaimana dan untuk tujuan apa purpose the asset is used are
aset digunakan telah ditentukan predetermined:
sebelumnya:
1. Bank memiliki hak untuk 1. The Bank has the right to operate the
mengoperasikan aset; asset;
2. Bank telah mendesain aset dengan cara 2. The Bank has designed the asset in
menetapkan sebelumnya bagaimana dan a way that predetermine how and for
untuk tujuan apa aset akan digunakan what purpose it will be used.
selama periode penggunaan.
Pada tanggal permulaan sewa, Bank mengakui aset The Bank recognizes a right-of-use asset and
hak-guna dan liabilitas sewa. Aset hak-guna diukur a leases liability at the leases commencement
pada biaya perolehan, dimana meliputi jumlah date. The right-of-use asset is initially measured at
pengukuran awal liabilitas sewa yang disesuaikan cost, which comprises the initial amount of the
dengan pembayaran sewa yang dilakukan pada atau leases liability adjusted for any leases payment
sebelum tanggal permulaan, ditambah dengan made at or before the commencement date, plus
biaya langsung awal yang dikeluarkan. Aset hak- any initial direct cost incurred. The right-of-use
guna diamortisasi dengan menggunakan metode asset is amortized over the straight-line method
garis lurus sepanjang jangka waktu sewa. throughout the lease term.
Liabilitas sewa diukur pada nilai kini The lease liability is initially measured at the
pembayaran sewa yang belum dibayar pada present value of the lease payments that are
tanggal permulaan, didiskontokan dengan not paid at the commencement date,
menggunakan suku bunga implisit dalam sewa discounted using the interest rate implicit in
atau jika suku bunga tersebut tidak dapat the lease or, if that right cannot be readily
ditentukan, maka menggunakan suku bunga determined, using incremental borrowing rate.
pinjaman inkremental.
Pembayaran sewa dialokasikan menjadi bagian Each lease payment is allocated into the lease
pokok dan biaya bunga. Biaya bunga dibebankan liabilities and interest cost. The interest cost is
pada laba rugi selama periode sewa sehingga charged to profit or loss over the leases period
menghasilkan tingkat suku bunga periodik yang so as to produce a constant periodic rate of
konstan atas saldo liabilitas untuk setiap interest on the remaining balance of the
periode. liability for each period.
Bank menyajikan aset hak-guna sebagai bagian The Bank presents right-of-use assets as part of
dari “Aset lain-lain” di dalam laporan posisi “Other assets” in the statement of financial
keuangan. position.
Page 527
These Financial Statements are Originally Issued
in Indonesian Language
Ekshibit E/35 Exhibit E/35
PT BANK MASPION INDONESIA TBK PT BANK MASPION INDONESIA TBK
CATATAN ATAS LAPORAN KEUANGAN NOTES TO FINANCIAL STATEMENTS
UNTUK TAHUN YANG BERAKHIR PADA FOR THE YEAR ENDED
31 DESEMBER 2024 31 DECEMBER 2024
(Disajikan dalam ribuan Rupiah, kecuali dinyatakan lain) (Expressed in thousands of Rupiah, unless otherwise stated)
2. IKHTISAR KEBIJAKAN AKUNTANSI MATERIAL 2. SUMMARY OF MATERIAL ACCOUNTING POLICIES
(Lanjutan) (Continued)
u. Perpajakan u. Taxation
Beban pajak terdiri dari beban pajak kini dan Current tax expense comprises of current and
beban pajak tangguhan. Beban pajak diakui deferred tax. Income tax expense is recognized
pada laba rugi, kecuali untuk komponen yang in profit or loss except to the extent that it
diakui secara langsung di ekuitas atau di relates to items recognized directly in equity or
penghasilan komprehensif lain. in other comprehensive income.
Beban pajak kini merupakan estimasi utang atau Current tax expense is an estimate of tax payable
pengembalian pajak yang dihitung atas laba atau or tax refund which was calculated on taxable
rugi kena pajak untuk tahun yang bersangkutan, profit or loss for the year, using the tax rates and
dengan menggunakan tarif pajak dan peraturan tax regulations that have been enacted or
perpajakan yang berlaku atau secara substansial substantively enacted at the reporting date and
telah berlaku pada tanggal pelaporan dan termasuk include adjustments made for the previous year’s
penyesuaian yang dibuat untuk penyisihan pajak tax allowance, either to reconcile income tax with
tahun sebelumnya, baik untuk merekonsiliasi pajak tax reported in annual returns, or to account for
penghasilan dengan pajak yang dilaporkan di surat differences arising from tax audits. Current tax
pemberitahuan tahunan, atau untuk payable or refundable is measured using the best
memperhitungkan perbedaan yang muncul dari estimate of the amount expected to be paid or
pemeriksaan pajak. Utang atau restitusi pajak kini received, taking into consideration the
diukur menggunakan estimasi terbaik atas jumlah uncertainties associated with the complexity of tax
yang diperkirakan akan dibayar atau diterima, regulations.
dengan mempertimbangkan ketidakpastian terkait
dengan kompleksitas peraturan pajak.
Pajak tangguhan dihitung dengan menggunakan Deferred tax is provided using the liability method,
metode liabilitas, terhadap semua perbedaan on all temporary differences at the statement of
temporer pada tanggal laporan posisi keuangan financial position date between the tax base of
antara aset dan liabilitas menurut pajak dan nilai assets and liabilities and their carrying amounts for
tercatatnya untuk tujuan pelaporan keuangan. financial reporting purposes. Deferred tax assets
Pajak tangguhan dihitung dengan menggunakan and liabilities are measured at the tax rates (and
tarif pajak (dan peraturan pajak) yang berlaku atau tax laws) that have been enacted or substantively
yang secara substansif diberlakukan pada tahun enacted to the year when the asset is realized or
dimana aset tersebut direalisasikan atau liabilitas the liability is settled.
tersebut diselesaikan.
Aset pajak tangguhan diakui apabila besar Deferred tax assets are recognized when it is
kemungkinan jumlah penghasilan kena pajak di probable that the amount of taxable income in
masa depan akan memadai untuk dikompensasi the future will be adequate to compensate for
dengan perbedaan temporer yang masih dapat the temporary differences that can be utilized.
dimanfaatkan.
Aset dan liabilitas pajak tangguhan dapat saling Assets and liabilities of deferred tax can be offset
hapus apabila terdapat hak yang berkekuatan when there is a legally enforceable right to offset
hukum untuk melakukan saling hapus antara aset between current tax assets against current tax
pajak kini dengan liabilitas pajak kini dan apabila liabilities and when the assets and liabilities of
aset dan liabilitas pajak tangguhan dikenakan oleh deferred tax relate to income taxes levied by the
otoritas perpajakan yang sama, baik atas Bank kena same taxation authority on either the same taxable
pajak yang sama ataupun berbeda dan adanya niat Bank or different taxable entities where there is an
untuk melakukan penyelesaian saldo-saldo tersebut intention to settle the balances on a net basis.
secara bersih.
v. Provisi v. Provisions
Provisi diakui jika Bank memiliki liabilitas kini Provisions are recognized when the Bank has a
(baik bersifat hukum maupun bersifat present obligation (legal or constructive)
konstruktif) sebagai akibat peristiwa masa lalu, where, as a result of a past event, it is probable
besar kemungkinannya penyelesaian liabilitas that an outflow of resources embodying
tersebut akan mengakibatkan arus keluar economic benefits will be required to settle the
sumber daya yang mengandung manfaat obligation and a reliable estimate can be made
ekonomi dan estimasi yang andal mengenai of the amount of the obligation.
jumlah kewajiban tersebut dapat dibuat.
Page 528
These Financial Statements are Originally Issued
in Indonesian Language
Ekshibit E/36 Exhibit E/36
PT BANK MASPION INDONESIA TBK PT BANK MASPION INDONESIA TBK
CATATAN ATAS LAPORAN KEUANGAN NOTES TO FINANCIAL STATEMENTS
UNTUK TAHUN YANG BERAKHIR PADA FOR THE YEAR ENDED
31 DESEMBER 2024 31 DECEMBER 2024
(Disajikan dalam ribuan Rupiah, kecuali dinyatakan lain) (Expressed in thousands of Rupiah, unless otherwise stated)
2. IKHTISAR KEBIJAKAN AKUNTANSI MATERIAL 2. SUMMARY OF MATERIAL ACCOUNTING POLICIES
(Lanjutan) (Continued)
v. Provisi (Lanjutan) v. Provisions (Continued)
Provisi ditelaah pada setiap tanggal pelaporan Provisions are reviewed at each reporting date
dan disesuaikan untuk mencerminkan estimasi and adjusted to reflect the current best
terbaik yang paling kini. Jika arus keluar sumber estimate. If it is no longer probable that an
daya untuk menyelesaikan kewajiban outflow of resources embodying economic
kemungkinan besar tidak terjadi, maka provisi benefits will be required to settle the
dibatalkan. obligation, the provision is reversed.
w. Laba per saham dasar w. Basic earnings per share
Laba per saham dasar dihitung dengan membagi Basic earnings per share is computed by
laba tahun berjalan dengan jumlah rata-rata dividing income for the year by the weighted
tertimbang saham yang ditempatkan dan average number of issued and fully paid shares
disetor penuh pada periode yang bersangkutan. during the related period.
x. Dividen x. Dividends
Pembagian dividen kepada para pemegang Dividend distribution to the shareholders is
saham diakui sebagai liabilitas dalam laporan recognized as a liability in the financial
keuangan pada periode ketika dividen tersebut statements in the period in which the dividends
disetujui oleh para pemegang saham. are approved by the shareholders.
y. Imbalan kerja dan dana pensiun y. Employee benefits and pension plan
Imbalan kerja jangka pendek Short-term employee benefits
Imbalan kerja jangka pendek seperti upah, iuran Short-term employee benefits such as wages, social
jaminan sosial, cuti jangka pendek, bonus dan security contributions, short-term compensated
imbalan non-moneter lainnya diakui selama leaves, bonuses and other non-monetary benefits
periode jasa diberikan. Imbalan kerja jangka are recognized during the period when services
pendek diukur sebesar jumlah yang tidak have been rendered. Short-term employee
didiskontokan. benefits are measured using undiscounted
amounts.
Liabilitas imbalan kerja Employee benefits liabilities
Imbalan pasca-kerja dicadangkan dan diakui The post-employment benefits are accrued and
sebagai biaya ketika jasa telah diberikan oleh recognized as expense when services have been
pegawai yang menjadi peserta program pensiun rendered by qualified employees. The benefits are
Bank. Imbalan kerja ditentukan berdasarkan determined based on the Bank’s regulations and
peraturan Bank dan persyaratan minimum the minimum requirements of Government
Peraturan Pemerintah No. 35/2021, mana yang Regulation No. 35/2021, whichever is higher.
lebih tinggi.
Imbalan pasca-kerja dan imbalan kerja jangka The post-employment benefits and other long-
panjang lainnya secara aktuaris ditentukan term employee benefits are actuarially
berdasarkan metode Projected Unit Credit. determined using the Projected Unit Credit
Method.
Pengukuran kembali atas liabilitas (aset) imbalan Remeasurement of defined benefit liabilities
pasti bersih, yang diakui sebagai penghasilan (assets) net, which is recognized as other
komprehensif lain, terdiri atas: comprehensive income consist of:
(i) Keuntungan dan kerugian aktuarial. (i) Actuarial gain and losses.
(ii) Imbal hasil atas aset program, tidak termasuk (ii) Return on plan assets, excluding amounts
jumlah yang dimasukkan dalam bunga bersih that is included in net interest on liabilities
atas liabilitas (aset). (assets).
(iii) Setiap perubahan dampak batas aset, tidak (iii) The effect of the asset ceiling, excluding
termasuk jumlah yang dimasukkan dalam amounts included in the net interest of
bunga bersih atas liabilitas (aset). liabilities (assets).
Page 529
These Financial Statements are Originally Issued
in Indonesian Language
Ekshibit E/37 Exhibit E/37
PT BANK MASPION INDONESIA TBK PT BANK MASPION INDONESIA TBK
CATATAN ATAS LAPORAN KEUANGAN NOTES TO FINANCIAL STATEMENTS
UNTUK TAHUN YANG BERAKHIR PADA FOR THE YEAR ENDED
31 DESEMBER 2024 31 DECEMBER 2024
(Disajikan dalam ribuan Rupiah, kecuali dinyatakan lain) (Expressed in thousands of Rupiah, unless otherwise stated)
2. IKHTISAR KEBIJAKAN AKUNTANSI MATERIAL 2. SUMMARY OF MATERIAL ACCOUNTING POLICIES
(Lanjutan) (Continued)
y. Imbalan kerja dan dana pensiun (Lanjutan) y. Employee benefits and pension plan
(Continued)
Liabilitas imbalan kerja (Lanjutan) Employee benefits liabilities (Continued)
Pengukuran kembali atas liabilitas (aset) Remeasurement of defined benefit liabilities
imbalan pasti bersih, yang diakui sebagai (assets), net, which is recognized as other
penghasilan komprehensif lain tidak comprehensive income is not reclassified to
direklasifikasi ke laba rugi pada periode profit or loss in the subsequent periods.
berikutnya.
Untuk imbalan kerja jangka panjang lain atas For other long-term employee benefits: current
biaya jasa kini, biaya bunga bersih atas liabilitas service cost, net interest expense of net
(aset) imbalan pasti bersih, dan pengukuran defined benefit assets liabilities (assets), and
kembali liabilitas (aset) imbalan pasti bersih re-measurement of liability (asset) is
langsung diakui pada laporan laba rugi dan recognized immediately in the current period
penghasilan komprehensif lain periode statement of profit or loss and other
berjalan. comprehensive income.
Biaya jasa lalu diakui sebagai beban pada Past service costs are recognized as expense at
tanggal yang lebih awal antara ketika the earlier date between the amendments or
amendemen atau kurtailmen program terjadi, curtailment program occurs, and when the
dan ketika biaya restrukturisasi atau pesangon costs of restructuring or severance is
diakui, sehingga biaya jasa lalu yang belum recognized, therefore, unvested past service
vested tidak lagi dapat ditangguhkan dan diakui cost can no longer be deferred and recognized
selama periode vesting masa depan. over the future vesting period.
Bank memiliki Program Pengelolaan Dana The Bank has a Post-Employment Compensation
Kompensasi Pascakerja (PPDKP) yang mana Bank Fund Management Program (PPDKP) whereby
akan membayar iuran kepada sebuah entitas the Bank will pay constributions to a separate
yang terpisah (dana pensiun) dan tidak memiliki entity (pension fund) and has no legal or
liabilitas hukum atau konstruktif untuk constructive liability to pay further
membayar kontribusi lebih lanjut. constributions.
Jumlah kewajiban diestimasi atas imbalan kerja The amount of estimated liabilities were based on
tersebut didasarkan pada perhitungan aktuaris the calculation of independent actuary, whereby
independen yang merupakan jumlah tertinggi the obligation represented the highest amount
antara ketentuan yang diatur dalam Peraturan between Government Regulation No. 35/2021
Pemerintah No. 35/2021 dibandingkan dengan dana compared to defined contribution retirement plan
pensiun pasti diselenggarakan oleh Bank sesuai held by the “Perjanjian Kerja Bersama” between
dengan “Perjanjian Kerja Bersama” antara Bank Bank and employees.
dan karyawan.
z. Transaksi dengan pihak-pihak berelasi z. Transactions with related parties
Bank mempunyai transaksi dengan pihak-pihak The Bank has transactions with related parties as
berelasi sebagaimana didefinisikan dalam defined in PSAK 224, “Related Party Disclosures”.
PSAK 224, “Pengungkapan Pihak-pihak Berelasi”.
Transaksi ini dilakukan berdasarkan persyaratan The transactions are made based on terms agreed
yang disetujui oleh kedua belah pihak, dimana by both parties, whereas such terms may not be
persyaratan tersebut mungkin tidak sama dengan the same as those transactions with unrelated
transaksi lain yang dilakukan dengan pihak-pihak parties.
yang tidak berelasi.
aa. Biaya emisi saham aa. Shares issuance costs
Biaya-biaya yang terjadi sehubungan dengan The cost related to the public offering of shares
penawaran saham kepada masyarakat (termasuk (including pre-emptive rights issues) are deducted
penerbitan hak memesan efek terlebih dahulu) from the proceeds and presented as a deduction
dikurangkan langsung dari hasil emisi dan disajikan from the “Additional Paid-In Capital, Net”
sebagai pengurang pada akun “Tambahan Modal account, under equity section in the statement of
Disetor, Bersih” sebagai bagian dari ekuitas pada financial position.
laporan posisi keuangan.
Page 530
These Financial Statements are Originally Issued
in Indonesian Language
Ekshibit E/38 Exhibit E/38
PT BANK MASPION INDONESIA TBK PT BANK MASPION INDONESIA TBK
CATATAN ATAS LAPORAN KEUANGAN NOTES TO FINANCIAL STATEMENTS
UNTUK TAHUN YANG BERAKHIR PADA FOR THE YEAR ENDED
31 DESEMBER 2024 31 DECEMBER 2024
(Disajikan dalam ribuan Rupiah, kecuali dinyatakan lain) (Expressed in thousands of Rupiah, unless otherwise stated)
2. IKHTISAR KEBIJAKAN AKUNTANSI MATERIAL 2. SUMMARY OF MATERIAL ACCOUNTING POLICIES
(Lanjutan) (Continued)
ab. Segmen operasi ab. Operating segment
Informasi segmen disusun sesuai dengan kebijakan Segment information is prepared using the
akuntansi yang dianut dalam penyusunan laporan accounting policies adopted for preparing and
keuangan. Bank melaporkan informasi segmen presenting the financial statement. The Bank
berdasarkan segmen geografis sesuai kebijakan reports segment information based on
pelaporan internal bank. geographical segment in accordance with the
Bank’s internal reporting policy.
Sebuah segmen geografis menyediakan jasa di A geographical segment is engaged in providing
dalam lingkungan ekonomi tertentu yang memiliki services within a particular economic environment
risiko serta tingkat pengembalian yang berbeda that are subject to risk and return that are
dengan segmen operasi lainnya yang berada dalam different from those operating segment in other
lingkungan ekonomi lain. economic environments.
ac. Penurunan nilai aset non-keuangan ac. Impairment of non-financial assets
Pada tanggal pelaporan, Bank menilai apakah The Bank assesses at reporting date whether
terdapat indikasi suatu aset mengalami penurunan there is an indication that an asset may be
nilai. Jika terdapat indikasi tersebut atau pada impaired. If any such indication exists, or when
saat pengujian penurunan nilai aset diperlukan, impairment testing for an asset is required, the
maka Bank membuat estimasi jumlah terpulihkan Bank makes an estimate of the asset’s
aset tersebut. recoverable amount.
Jumlah terpulihkan yang ditentukan untuk aset An asset’s recoverable amount is the higher of an
individual adalah jumlah yang lebih tinggi antara asset’s or Cash Generating Unit’s fair value less
nilai wajar aset atau Unit Penghasil Kas dikurangi costs to sell and its value in use, and is
biaya untuk menjual dengan nilai pakainya, determined for an individual asset, unless the
kecuali aset tersebut tidak menghasilkan arus kas asset does not generate cash inflows that are
masuk yang sebagian besar independen dari aset largely independent of those from other assets or
atau kelompok aset lain. Jika nilai tercatat aset group of assets. Where the carrying amount of an
lebih besar daripada nilai terpulihkan-nya, maka asset exceeds its recoverable amount, the asset is
aset tersebut dianggap mengalami penurunan nilai considered impaired and is written down to its
dan nilai tercatat aset diturunkan menjadi sebesar recoverable amount. Impairment losses of
nilai terpulihkannya. Rugi penurunan nilai dari continuing operations are recognized in the
operasi yang berkelanjutan diakui pada laporan statement of profit or loss and other
laba rugi dan penghasilan komprehensif lain comprehensive income as “impairment losses”. In
sebagai “rugi penurunan nilai”. Dalam menghitung assessing the value in use, the estimated net
nilai pakai, estimasi arus kas masa depan bersih future cash flows are discounted to their present
didiskontokan ke nilai kini dengan menggunakan value using a pre-tax discount rate that reflects
tingkat diskonto sebelum pajak yang current market assessments of the time value of
menggambarkan penilaian pasar kini atas nilai money and the risks specific to the asset.
waktu uang dan risiko spesifik aset.
Dalam menentukan nilai wajar dikurangi biaya In determining fair value less costs of disposal,
pelepasan, mengacu pada PSAK 113, refers to PSAK 113, "Fair Value Measurements".
”Pengukuran Nilai Wajar”.
Kerugian penurunan nilai dari operasi yang Impairment losses of continuing operations, if
berkelanjutan, jika ada, diakui pada laporan any, are recognized in the statement of profit
laba rugi dan penghasilan komprehensif lain or loss and other comprehensive income under
dalam kategori biaya yang konsisten dengan expense categories that are consistent with the
fungsi aset yang diturunkan nilainya. functions of the impaired assets.
Page 531
These Financial Statements are Originally Issued
in Indonesian Language
Ekshibit E/39 Exhibit E/39
PT BANK MASPION INDONESIA TBK PT BANK MASPION INDONESIA TBK
CATATAN ATAS LAPORAN KEUANGAN NOTES TO FINANCIAL STATEMENTS
UNTUK TAHUN YANG BERAKHIR PADA FOR THE YEAR ENDED
31 DESEMBER 2024 31 DECEMBER 2024
(Disajikan dalam ribuan Rupiah, kecuali dinyatakan lain) (Expressed in thousands of Rupiah, unless otherwise stated)
2. IKHTISAR KEBIJAKAN AKUNTANSI MATERIAL 2. SUMMARY OF MATERIAL ACCOUNTING POLICIES
(Lanjutan) (Continued)
ad. Peristiwa setelah periode pelaporan ad. Events after the reporting period
Peristiwa setelah akhir tahun yang memberikan Post year-end events that provide additional
tambahan informasi mengenai posisi keuangan information about the Bank’s financial position at
Bank pada tanggal pelaporan (peristiwa the reporting date (adjusting events), if any, are
penyesuaian), jika ada, dicerminkan dalam laporan reflected in the financial statements. Post year-
keuangan. Peristiwa setelah akhir tahun yang bukan end events that are not adjusting events are
peristiwa penyesuaian diungkapkan dalam catatan disclosed in the notes to financial statements when
atas laporan keuangan jika material. material.
3. PENGGUNAAN PERTIMBANGAN, ESTIMASI DAN 3. USE OF JUDGMENTS, ESTIMATES AND
ASUMSI OLEH MANAJEMEN ASSUMPTIONS BY MANAGEMENT
Penyusunan laporan keuangan Bank mengharuskan The preparation of the Bank’s financial statements
manajemen untuk membuat pertimbangan, estimasi requires management to make judgments, estimates
dan asumsi yang mempengaruhi jumlah yang and assumptions that affect the reported amounts of
dilaporkan dari pendapatan, beban, aset dan revenues, expenses, assets and liabilities, and the
liabilitas, dan pengungkapan atas liabilitas disclosure of contingent liabilities, at the end of the
kontinjensi, pada akhir periode pelaporan. reporting period. Uncertainty about these
Ketidakpastian mengenai asumsi dan estimasi assumptions and estimates could result in outcomes
tersebut dapat mengakibatkan penyesuaian material that require a material adjustment to the carrying
terhadap nilai tercatat aset dan liabilitas dalam amounts of the asset and liability affected in future
periode pelaporan berikutnya. periods.
a. Pertimbangan a. Judgments
Pertimbangan berikut ini dibuat oleh The following judgments are made by
manajemen dalam rangka penerapan kebijakan management in the process of applying the
akuntansi Bank yang memiliki pengaruh paling Bank’s accounting policies that have the most
signifikan atas jumlah yang diakui dalam significant effects on the amounts recognized
laporan keuangan Bank: in the Bank’s financial statements:
Usaha yang berkelanjutan Going concern
Manajemen Bank telah melakukan penilaian The Bank’s management has made an
atas kemampuan Bank untuk melanjutkan assessment of the Bank’s ability to continue as
kelangsungan usahanya dan berkeyakinan a going concern and is satisfied that the Bank
bahwa Bank memiliki sumber daya untuk has the resources to continue its business for
melanjutkan usahanya di masa mendatang. the foreseeable future. Furthermore, the
Selain itu, manajemen Bank tidak mengetahui management is not aware of any material
adanya ketidakpastian material yang dapat uncertainties that may cast significant doubt to
menimbulkan keraguan yang signifikan the Bank’s ability to continue as a going
terhadap kemampuan Bank untuk melanjutkan concern. Therefore, the financial statement
usahanya. Oleh karena itu, laporan keuangan continues to be prepared on the going concern
telah disusun atas dasar usaha yang basis.
berkelanjutan.
Nilai wajar atas instrumen keuangan Fair value of financial instruments
Dalam menentukan nilai wajar aset keuangan In determining the fair value for financial
dan liabilitas yang tidak mempunyai harga assets and financial liabilities for which there
pasar, Bank menggunakan teknik penilaian is no quoted market price, the Bank uses the
seperti yang dijelaskan dalam Catatan 2.c(ix). valuation techniques as described in Note
Untuk instrumen keuangan yang tidak aktif 2.c(ix). For financial instruments that are non-
diperdagangkan dan memiliki informasi harga actively traded and a lack of price
yang terbatas, nilai wajar yang kurang obyektif transparency, fair value is less objective and
dan membutuhkan berbagai pertimbangan requires varying degrees of judgment
tergantung pada likuiditas, konsentrasi, faktor depending on liquidity, concentration,
ketidakpastian pasar, asumsi harga dan risiko uncertainty of market factors, pricing
lainnya. assumptions and other risks affecting the
specific instrument.
Page 532
These Financial Statements are Originally Issued
in Indonesian Language
Ekshibit E/40 Exhibit E/40
PT BANK MASPION INDONESIA TBK PT BANK MASPION INDONESIA TBK
CATATAN ATAS LAPORAN KEUANGAN NOTES TO FINANCIAL STATEMENTS
UNTUK TAHUN YANG BERAKHIR PADA FOR THE YEAR ENDED
31 DESEMBER 2024 31 DECEMBER 2024
(Disajikan dalam ribuan Rupiah, kecuali dinyatakan lain) (Expressed in thousands of Rupiah, unless otherwise stated)
3. PENGGUNAAN PERTIMBANGAN, ESTIMASI DAN 3. USE OF JUDGMENTS, ESTIMATES AND
ASUMSI OLEH MANAJEMEN (Lanjutan) ASSUMPTIONS BY MANAGEMENT (Continued)
a. Pertimbangan (Lanjutan) a. Judgments (Continued)
Kontinjensi Contingencies
Estimasi perkiraan biaya yang timbul bagi The estimation of the probable cost for the
penyelesaian klaim dalam proses hukum telah resolution of claims in legal proceedings has
dikembangkan melalui konsultasi dengan been developed in consultation with the aid of
bantuan konsultan hukum Bank didasarkan pada the external legal counsel handling the Bank’s
analisis hasil yang potensial. Manajemen defense in this matter and is based upon an
berkeyakinan bahwa hasil dari hal ini tidak akan analysis of potential results. Management
mempengaruhi hasil usaha. Besar kemungkinan, believes that the outcome of this matter will
bagaimanapun, bahwa hasil operasi di masa not affect the results of operations. It is
depan dapat secara material terpengaruh oleh probable, however, that future results of
perubahan dalam estimasi atau efektivitas dari operations could be materially affected by
strategi yang terkait dengan hal tersebut. changes in the estimates or in the effectiveness
of the strategies relating to these proceedings.
b. Estimasi dan asumsi b. Estimates and assumptions
Asumsi utama masa depan dan sumber utama The key assumptions concerning the future and
estimasi ketidakpastian lain pada tanggal other key sources of estimating uncertainty at
pelaporan yang memiliki risiko untuk dapat the reporting date that have a significant risk
menyebabkan penyesuaian yang material of causing a material adjustment to the
terhadap nilai tercatat aset dan liabilitas untuk carrying amounts of assets and liabilities within
tahun berikutnya diungkapkan di bawah ini. the next financial year are disclosed below. The
Bank mendasarkan asumsi dan estimasinya pada Bank based its assumptions and estimates on
parameter yang tersedia pada saat laporan parameters available when the financial
keuangan disusun. statements were prepared.
Asumsi dan situasi mengenai perkembangan Existing assumptions and circumstances about
masa depan dapat berubah akibat perubahan future developments may change due to market
pasar atau situasi yang timbul di luar kendali changes or circumstances arising beyond the
Bank. Perubahan tersebut dicerminkan dalam control of the Bank. Such changes are reflected
asumsi yang digunakan pada saat terjadinya. in the assumptions when they occur.
Cadangan kerugian penurunan nilai kredit yang Allowance for impairment losses on loans and
diberikan dan piutang receivables
Kondisi spesifik counterparty yang mengalami The specific counterparty component of the
penurunan nilai dalam pembentukan cadangan total allowances for impairment applies to
kerugian atas aset keuangan dievaluasi secara financial assets evaluated individually for
individu berdasarkan estimasi terbaik impairment and is based upon management's
manajemen atas nilai kini arus kas yang best estimate of the present value of the cash
diharapkan akan diterima. Dalam mengestimasi flows that are expected to be received. In
arus kas tersebut, manajemen membuat estimating these cash flows, management
pertimbangan tentang situasi keuangan makes judgments about the counterparty's
counterparty dan nilai realisasi bersih dari financial situation and the net realizable value
setiap agunan. Setiap aset yang mengalami of any underlying collateral. Each impaired
penurunan nilai dinilai sesuai dengan manfaat asset is assessed on its merits, and the workout
yang ada, dan strategi penyelesaian serta strategy and estimated cash flows that are
estimasi arus kas yang diperkirakan dapat expected to be received.
diterima.
Page 533
These Financial Statements are Originally Issued
in Indonesian Language
Ekshibit E/41 Exhibit E/41
PT BANK MASPION INDONESIA TBK PT BANK MASPION INDONESIA TBK
CATATAN ATAS LAPORAN KEUANGAN NOTES TO FINANCIAL STATEMENTS
UNTUK TAHUN YANG BERAKHIR PADA FOR THE YEAR ENDED
31 DESEMBER 2024 31 DECEMBER 2024
(Disajikan dalam ribuan Rupiah, kecuali dinyatakan lain) (Expressed in thousands of Rupiah, unless otherwise stated)
3. PENGGUNAAN PERTIMBANGAN, ESTIMASI DAN 3. USE OF JUDGMENTS, ESTIMATES AND
ASUMSI OLEH MANAJEMEN (Lanjutan) ASSUMPTIONS BY MANAGEMENT (Continued)
b. Estimasi dan asumsi (Lanjutan) b. Estimates and assumptions (Continued)
Cadangan kerugian penurunan nilai kredit yang Allowance for impairment losses on loans and
diberikan dan piutang (Lanjutan) receivables (Continued)
Perhitungan cadangan penurunan nilai kolektif Collectively assessed impairment allowances
meliputi kerugian kredit yang melekat dalam cover credit losses inherent in portfolios of
portofolio aset keuangan dengan karakteristik financial assets with similar economic
ekonomi yang sama ketika terdapat bukti characteristics when there is objective
objektif penurunan nilai terganggu, tetapi evidence to suggest that they contain impaired
penurunan nilai secara individu belum dapat financial assets, but the individual impaired
diidentifikasi. Dalam menilai kebutuhan untuk items cannot yet be identified. In assessing the
cadangan kolektif, manajemen need for collective allowances, management
mempertimbangkan faktor-faktor seperti considers factors such as credit quality and
kualitas kredit dan sektor ekonomi. economic sector.
Perhitungan ECL Bank adalah hasil dari model The Bank’s ECL calculations are outputs of
yang kompleks dengan sejumlah asumsi yang complex models with a number of underlying
mendasarinya. assumptions.
Pertimbangan signifikan dalam menentukan The significant judgments in determining
kerugian kredit ekspektasian meliputi: expected credit loss include: defining what is
menentukan apa yang dianggap sebagai considered to be a significant increase in credit
peningkatan risiko kredit yang signifikan, risk, developing the expected credit loss
mengembangkan model kerugian kredit models, including the choice of inputs relating
ekspektasian, termasuk pilihan input yang to macroeconomic variables, and making
berkaitan dengan variabel makroekonomi, dan assumptions and estimates to incorporate
membuat asumsi dan estimasi untuk relevant information about past events,
menggunakan informasi yang relevan tentang current conditions and forecasts of economic
kejadian masa lalu, kondisi saat ini dan conditions. Determination of post model
prakiraan kondisi ekonomi. Penentuan adjustments/ management overlay due to
penyesuaian pasca model/overlay manajemen significant uncertain factors not covered in the
karena faktor ketidakpastian signifikan yang models.
tidak tercakup dalam model.
Dalam membuat estimasi terdapat tingkat A high degree of uncertainty is involved in
ketidakpastian yang tinggi dalam menggunakan making estimations using assumptions that are
asumsi yang sangat subjektif dan sangat sensitif highly subjective and very sensitive to the risk
terhadap faktor risiko. factors.
Penurunan nilai aset non keuangan Impairment of non-financial assets
Bank mengevaluasi penurunan nilai aset apabila The Bank assesses impairment on assets
terdapat kejadian atau perubahan keadaan whenever events or changes in circumstances
yang mengindikasikan bahwa nilai tercatat aset indicate that the carrying amount of an asset
tidak dapat dipulihkan kembali. Faktor-faktor may not be recoverable. The factors that the
penting yang dapat menyebabkan penelaahan Bank considers important which could trigger
penurunan nilai adalah sebagai berikut: an impairment review include the following:
a) kinerja yang rendah secara signifikan jika a) significant underperformance relative to
dibandingkan dengan ekspektasi dari hasil expected historical or projected future
operasi historis maupun proyeksi hasil operating results;
operasi di masa yang akan datang;
b) perubahan yang signifikan dalam cara b) significant changes in the manner of use of
penggunaan aset atau strategi bisnis secara the acquired assets or the strategy for
keseluruhan; dan overall business; and
c) tren negatif industri dan ekonomi yang c) significant negative industry or economic
signifikan. trends.
Page 534
These Financial Statements are Originally Issued
in Indonesian Language
Ekshibit E/42 Exhibit E/42
PT BANK MASPION INDONESIA TBK PT BANK MASPION INDONESIA TBK
CATATAN ATAS LAPORAN KEUANGAN NOTES TO FINANCIAL STATEMENTS
UNTUK TAHUN YANG BERAKHIR PADA FOR THE YEAR ENDED
31 DESEMBER 2024 31 DECEMBER 2024
(Disajikan dalam ribuan Rupiah, kecuali dinyatakan lain) (Expressed in thousands of Rupiah, unless otherwise stated)
3. PENGGUNAAN PERTIMBANGAN, ESTIMASI DAN 3. USE OF JUDGMENTS, ESTIMATES AND
ASUMSI OLEH MANAJEMEN (Lanjutan) ASSUMPTIONS BY MANAGEMENT (Continued)
b. Estimasi dan asumsi (Lanjutan) b. Estimates and assumptions (Continued)
Penurunan nilai aset non keuangan (Lanjutan) Impairment of non-financial assets (Continued)
Bank mengakui kerugian penurunan nilai apabila The Bank recognizes an impairment loss
nilai tercatat aset melebihi nilai yang dapat whenever the carrying amount of an asset
dipulihkan. Jumlah terpulihkan adalah nilai yang exceeds its recoverable amount. The recoverable
lebih tinggi antara nilai wajar dikurangi biaya amount is the higher of an asset’s (or Cash
untuk menjual dengan nilai pakai aset (atau Unit Generating Unit’s) fair value less costs to sell and
Penghasil Kas). Jumlah terpulihkan diestimasi its value in use. Recoverable amounts are
untuk aset individual atau, jika tidak estimated for individual assets or, if it is not
memungkinkan, untuk Unit Penghasil Kas yang possible, for the Cash Generating Unit to which
mana aset tersebut merupakan bagian daripada the asset belongs.
unit tersebut.
Aset pajak tangguhan Deferred tax asset
Aset pajak tangguhan diakui atas jumlah pajak Deferred tax assets are recognized for the future
penghasilan terpulihkan pada periode mendatang recoverable taxable income arising from
sebagai akibat perbedaan temporer yang boleh temporary difference. Management judgment is
dikurangkan. Justifikasi manajemen diperlukan required to determine the amount of deferred
untuk menentukan jumlah aset pajak tangguhan tax assets that can be recognized, based upon the
yang dapat diakui, sesuai dengan waktu yang likely timing on level of future taxable profits
tepat dan tingkat laba fiskal di masa mendatang together with future strategic planning.
sejalan dengan strategi rencana perpajakan ke
depan.
Pensiun dan imbalan kerja Pension and employee benefits
Penentuan liabilitas dan biaya pensiun dan The determination of the Bank’s obligations
liabilitas imbalan kerja Bank bergantung pada and cost for pension and employee benefits
pemilihan asumsi yang digunakan oleh aktuaris liabilities is dependent on its selection of certain
independen dalam menghitung jumlah-jumlah assumptions used by the independent actuaries
tersebut. Asumsi tersebut termasuk antara lain, in calculating such amounts. Those assumptions
tingkat diskonto, tingkat kenaikan gaji tahunan, include among others, discount rates, annual
tingkat pengunduran diri, tingkat cacat, usia rate of salary increase, turnover rate, disability
pensiun dan tingkat kematian. Perbedaan rate, retirement age and mortality rate.
signifikan pada hasil aktual atau perubahan Significant differences in the actual results or
signifikan dalam asumsi yang ditetapkan Bank significant changes in the Bank’s assumptions
dapat mempengaruhi secara material liabilitas may materially affect its estimated liabilities for
diestimasi atas pensiun dan imbalan kerja dan pension and employee benefits and net employee
beban imbalan kerja bersih. Penjelasan lebih rinci benefits expense. Further details of the carrying
atas nilai tercatat atas estimasi liabilitas imbalan amounts of the Bank’s estimated liabilities for
kerja Bank pada tanggal 31 Desember 2024 dan employee benefits as of 31 Desember 2024 and
31 Desember 2023 diungkapkan dalam Catatan 38. 31 December 2023 are disclosed in Note 38.
Revaluasi aset tetap Fixed asset revaluation
Revaluasi aset tetap Bank bergantung pada The Bank’s fixed assets revaluation depends on
pemilihan asumsi yang digunakan oleh penilai its selection of certain assumptions used by the
independen dalam menghitung jumlah-jumlah independent appraisal in calculating such
tersebut. Asumsi tersebut termasuk antara lain: amounts. Those assumptions include among
tingkat diskonto, nilai tukar, tingkat inflasi dan others, discount rate, exchange rate, inflation
tingkat kenaikan pendapatan dan biaya. Bank rate and revenue and cost increase rate. The
berkeyakinan bahwa asumsi tersebut adalah Bank believes that its assumptions are
wajar dan sesuai, perbedaan signifikan dalam reasonable and appropriate and significant
asumsi yang ditetapkan Bank dapat differences in the Bank’s assumptions may
mempengaruhi secara material nilai aset tetap materially affect the valuation of its fixed
yang direvaluasi. assets.
Page 535
These Financial Statements are Originally Issued
in Indonesian Language
Ekshibit E/43 Exhibit E/43
PT BANK MASPION INDONESIA TBK PT BANK MASPION INDONESIA TBK
CATATAN ATAS LAPORAN KEUANGAN NOTES TO FINANCIAL STATEMENTS
UNTUK TAHUN YANG BERAKHIR PADA FOR THE YEAR ENDED
31 DESEMBER 2024 31 DECEMBER 2024
(Disajikan dalam ribuan Rupiah, kecuali dinyatakan lain) (Expressed in thousands of Rupiah, unless otherwise stated)
4. KAS 4. CASH
2024 2023
Jumlah nosional Jumlah nosional
mata uang asing/ mata uang asing/
Notional amount Notional amount
in foreign in foreign
currency Ekuivalen/ currency Ekuivalen/
(angka penuh/ Equivalent (angka penuh/ Equivalent
full amount) Rupiah full amount) Rupiah
Rupiah 137.705.283 76.204.171 Rupiah
Mata uang asing -
Dolar Amerika Foreign currency –
Serikat 15.800 254.301 25.200 388.004 United States Dollar
Jumlah 137.959.584 76.592.175 Total
Saldo dalam mata uang Rupiah termasuk uang pada The Rupiah balance includes cash in ATMs
ATM sebesar Rp12.714.700 dan Rp8.520.200, masing- of Rp12,714,700 and Rp8,520,200, as of
masing pada tanggal 31 Desember 2024 dan 2023. 31 December 2024 and 2023, respectively.
Pada tanggal 31 Desember 2024 dan 2023, kas dalam As of 31 December 2024 and 2023, cash-in-safe and
penyimpanan dan kas dalam perjalanan diasuransikan cash-in-transit are insured for theft, fire and riot
terhadap risiko pencurian, kebakaran dan kerusuhan risks with PT China Taiping Insurance Indonesia and
kepada PT China Taiping Insurance Indonesia dan PT Asuransi Multi Artha Guna Tbk.
PT Asuransi Multi Artha Guna Tbk.
Manajemen Bank berpendapat bahwa nilai The management of the Bank believes that the
pertanggungan tersebut cukup untuk menutupi insurance coverage is adequate to cover possible
kemungkinan kerugian dari risiko tersebut. losses arising from such risks.
5. GIRO PADA BANK INDONESIA 5. CURRENT ACCOUNTS WITH BANK INDONESIA
2024 2023
Jumlah nosional Jumlah nosional
mata uang asing/ mata uang asing/
Notional amount Notional amount
in foreign in foreign
currency Ekuivalen/ currency Ekuivalen/
(angka penuh/ Equivalent (angka penuh/ Equivalent
full amount) Rupiah full amount) Rupiah
Rupiah 778.733.450 1.029.947.583 Rupiah
Mata uang asing -
Dolar Amerika Foreign currency –
Serikat 3.300.000 53.113.500 2.650.000 40.802.050 United States Dollar
Jumlah 831.846.950 1.070.749.633 Total
Saldo giro pada Bank Indonesia disediakan untuk Current accounts with Bank Indonesia are maintained
memenuhi persyaratan Giro Wajib Minimum (“GWM”) to comply with Bank Indonesia’s Minimum Statutory
dari Bank Indonesia. Giro Wajib Minimum (GWM) Bank Reserve (“GWM”) requirement. Minimum Statutory
sesuai dengan Peraturan Bank Indonesia dan Reserves (GWM) Bank in accordance with Bank
Peraturan Anggota Dewan Gubernur (PADG) Indonesia (BI) Regulation and Regulation of Members
diungkapkan pada Catatan 41. of The Board of Governors (PADG) are disclosed in
Note 41.
Sisa umur jatuh tempo atas giro pada Bank Indonesia The remaining period to maturity of current
dikategorikan sebagai kurang dari satu bulan accounts with Bank Indonesia is categorized as less
(Catatan 35). than one month (Note 35).
Page 536
These Financial Statements are Originally Issued
in Indonesian Language
Ekshibit E/44 Exhibit E/44
PT BANK MASPION INDONESIA TBK PT BANK MASPION INDONESIA TBK
CATATAN ATAS LAPORAN KEUANGAN NOTES TO FINANCIAL STATEMENTS
UNTUK TAHUN YANG BERAKHIR PADA FOR THE YEAR ENDED
31 DESEMBER 2024 31 DECEMBER 2024
(Disajikan dalam ribuan Rupiah, kecuali dinyatakan lain) (Expressed in thousands of Rupiah, unless otherwise stated)
6. GIRO PADA BANK LAIN 6. CURRENT ACCOUNTS WITH OTHER BANKS
a. Berdasarkan bank a. By bank
2024 2023
Pihak berelasi Related party
Mata uang asing Foreign currencies
Kasikornbank Public Company Kasikornbank Public Company
Limited (Catatan 33) 7.152.040 2.064.816 Limited (Note 33)
Jumlah pihak berelasi 7.152.040 2.064.816 Total related party
Pihak ketiga Third parties
Rupiah Rupiah
PT Bank Central Asia Tbk 248.624 35.822.523 PT Bank Central Asia Tbk
PT Bank CIMB Niaga Tbk 51.165 51.040 PT Bank CIMB Niaga Tbk
PT Bank Pembangunan Daerah PT Bank Pembangunan Daerah
Jawa Tengah 4.289 4.593 Jawa Tengah
PT Bank Mandiri (Persero) Tbk 4.072 5.123 PT Bank Mandiri (Persero) Tbk
Sub-jumlah 308.150 35.883.279 Sub-total
Mata uang asing Foreign currencies
JPMorgan Chase Bank 106.271.283 6.464.066 JPMorgan Chase Bank
PT Bank Central Asia Tbk 13.226.161 9.419.321 PT Bank Central Asia Tbk
PT Bank Rakyat Indonesia PT Bank Rakyat Indonesia
(Persero) Tbk 10.753.699 39.309.352 (Persero) Tbk
PT Bank Negara Indonesia PT Bank Negara Indonesia
(Persero) Tbk 4.580.442 1.799.223 (Persero) Tbk
Bank of China Limited 2.504.215 775.655 Bank of China Limited
PT Bank Mandiri (Persero) Tbk 510.763 1.077.873 PT Bank Mandiri (Persero) Tbk
Bank Indover 3.373 3.429 Indover Bank
Sub-jumlah 137.849.936 58.848.919 Sub-total
Jumlah pihak ketiga 138.158.086 94.732.198 Total third parties
Jumlah 145.310.126 96.797.014 Total
Dikurangi: cadangan kerugian Less: allowance for
penurunan nilai ( 68.741) ( 17.947) impairment losses
Jumlah - bersih 145.241.385 96.779.067 Total - net
b. Berdasarkan mata uang b. By currency
2024 2023
Jumlah nosional Jumlah nosional
mata uang asing/ mata uang asing/
Notional amount in Notional amount in
foreign currency Ekuivalen/ foreign currency Ekuivalen/
(angka penuh/ Equivalent (angka penuh/ Equivalent
full amount) Rupiah full amount) Rupiah
Rupiah 308.150 35.883.279 Rupiah
Mata uang asing Foreign currencies
Dolar Amerika United States
Serikat 8.943.084 143.938.932 3.923.081 60.403.685 Dollar
Yuan China 188.987 416.714 24.540 53.253 Chinese Yuan
Euro Eropa 12.864 215.568 12.958 220.774 European Euro
Dolar Australia 13.754 137.725 8.090 85.117 Australian Dollar
Dolar Singapura 10.930 129.458 6.612 77.205 Singapore Dollar
Baht Thailand 252.543 118.642 10.567 4.753 Thailand Baht
Dolar Hongkong 21.676 44.937 34.986 68.948 Hongkong Dollar
Sub-jumlah 145.001.976 60.913.735 Sub-total
Jumlah 145.310.126 96.797.014 Total
Dikurangi: cadangan
kerugian penurunan Less: allowance for
nilai ( 68.741) ( 17.947) impairment losses
Jumlah - bersih 145.241.385 96.779.067 Total - net
Page 537
These Financial Statements are Originally Issued
in Indonesian Language
Ekshibit E/45 Exhibit E/45
PT BANK MASPION INDONESIA TBK PT BANK MASPION INDONESIA TBK
CATATAN ATAS LAPORAN KEUANGAN NOTES TO FINANCIAL STATEMENTS
UNTUK TAHUN YANG BERAKHIR PADA FOR THE YEAR ENDED
31 DESEMBER 2024 31 DECEMBER 2024
(Disajikan dalam ribuan Rupiah, kecuali dinyatakan lain) (Expressed in thousands of Rupiah, unless otherwise stated)
6. GIRO PADA BANK LAIN (Lanjutan) 6. CURRENT ACCOUNTS WITH OTHER BANKS
(Continued)
Tingkat suku bunga rata-rata per tahun: Average interest rates per annum:
2024 2023
Rupiah 0,11% 0,20% Rupiah
Mata uang asing Foreign currencies
Dolar Amerika Serikat 1,17% 0,90% United States Dollar
Euro Eropa 0,00% 0,00% European Euro
Dolar Singapura 0,00% 0,00% Singapore Dollar
Dolar Hongkong 0,00% 0,00% Hongkong Dollar
Dolar Australia 0,00% 0,00% Australian Dollar
Yuan China 0,38% 0,37% Chinese Yuan
Baht Thailand 0,00% 0,00% Thailand Baht
Giro pada bank lain pada tanggal 31 Desember 2024 Current accounts with other banks as of
dan 2023 digolongkan sebagai lancar kecuali giro 31 December 2024 and 2023 were classified as
pada Bank Indover dan tidak terdapat saldo giro pada current except for current accounts with Indover
bank lain yang diblokir atau digunakan sebagai Bank and no current accounts with the other banks
agunan. were blocked or pledged as collateral.
Giro pada Bank Indover pada tanggal 31 Desember Current accounts with Indover Bank as of
2024 dan 2023 dengan nilai tercatat masing-masing 31 December 2024 and 2023 with carrying amount of
sebesar Rp3.373 dan Rp3.429 diklasifikasikan macet. Rp3,373 and Rp3,429, respectively, were classified
as loss.
Perubahan cadangan kerugian penurunan nilai adalah The changes in the allowance for impairment losses
sebagai berikut: are as follows:
2024
Tahap 1/ Tahap 2/ Tahap 3/ Jumlah/
Stage 1 Stage 2 Stage 3 Total
Saldo awal 14.518 - 3.429 17.947 Beginning balance
Perubahan selama tahun berjalan 50.850 - ( 56) 50.794 Moving during current year
Saldo akhir 65.368 - 3.373 68.741 Ending balance
2023
Tahap 1/ Tahap 2/ Tahap 3/ Jumlah/
Stage 1 Stage 2 Stage 3 Total
Saldo awal 61.439 - 4.936 66.375 Beginning balance
Perubahan selama tahun berjalan ( 46.921) - ( 1.507) ( 48.428) Moving during current year
Saldo akhir 14.518 - 3.429 17.947 Ending balance
Manajemen berpendapat bahwa jumlah cadangan The management believes that the established
kerugian penurunan nilai yang dibentuk untuk allowance made for impairment losses on
menutup kerugian yang mungkin timbul akibat giro uncollectible current accounts with other banks are
pada bank lain tidak tertagih telah memadai. adequate.
Sisa umur jatuh tempo atas giro pada bank lain The remaining period to maturity of current
dikategorikan sebagai kurang dari satu bulan accounts with other banks are categorized as less
(Catatan 35). than one month (Note 35).
Informasi mengenai klasifikasi aset keuangan yang Information with respect to classification of
mengalami penurunan nilai dan tidak mengalami impaired and not impaired and credit quality of
penurunan nilai dan kolektibilitas diungkapkan pada financial assets are disclosed in Note 35.
Catatan 35.
Page 538
These Financial Statements are Originally Issued
in Indonesian Language
Ekshibit E/46 Exhibit E/46
PT BANK MASPION INDONESIA TBK PT BANK MASPION INDONESIA TBK
CATATAN ATAS LAPORAN KEUANGAN NOTES TO FINANCIAL STATEMENTS
UNTUK TAHUN YANG BERAKHIR PADA FOR THE YEAR ENDED
31 DESEMBER 2024 31 DECEMBER 2024
(Disajikan dalam ribuan Rupiah, kecuali dinyatakan lain) (Expressed in thousands of Rupiah, unless otherwise stated)
7. PENEMPATAN PADA BANK INDONESIA DAN BANK 7. PLACEMENTS WITH BANK INDONESIA AND OTHER
LAIN BANKS
a. Berdasarkan jenis dan mata uang a. By type and currency
2024 2023
Pihak ketiga Third party
Rupiah Rupiah
FASBI 166.500.000 400.000.000 FASBI
Dikurangi: Less:
diskonto yang belum diamortisasi ( 24.274) ( 58.299) unamortized interest
Sub-jumlah 166.475.726 399.941.701 Sub-total
Deposito berjangka 50.000.000 - Time deposits
Sub-jumlah 50.000.000 - Sub-total
Jumlah 216.475.726 399.941.701 Total
Dikurangi: cadangan kerugian Less: allowance for
penurunan nilai ( 22.493) - impairment losses
Jumlah – bersih 216.453.233 399.941.701 Total – net
b. Berdasarkan jangka waktu b. By maturity
2024 2023
Rupiah Rupiah
Kurang dari 1 bulan 216.475.726 399.941.701 Less than 1 month
Jumlah 216.475.726 399.941.701 Total
Dikurangi: cadangan kerugian Less: allowance for
penurunan nilai ( 22.493) - impairment losses
Jumlah – bersih 216.453.233 399.941.701 Total - net
Semua penempatan pada Bank Indonesia dan All placements with Bank Indonesia and other
bank lain pada tanggal 31 Desember 2024 dan banks as of 31 December 2024 and 2023 were
2023 diklasifikasikan lancar. classified as current.
c. Tingkat suku bunga rata-rata per tahun c. Average interest rates per annum
2024 2023
Rupiah Rupiah
FASBI 5,25% 5,21% FASBI
Deposito berjangka 7,25% - Time deposits
d. Cadangan kerugian penurunan nilai d. Allowance for impairment losses
Perubahan cadangan kerugian penurunan nilai adalah The changes in the allowance for impairment losses
sebagai berikut: are as follows:
2024
Tahap 1/ Tahap 2/ Tahap 3/ Jumlah/
Stage 1 Stage 2 Stage 3 Total
Saldo awal - - - - Beginning balance
Perubahan selama tahun Moving during current
berjalan 22.493 - - 22.493 year
Saldo akhir 22.493 - - 22.493 Ending balance
Manajemen berpendapat bahwa jumlah cadangan Management believes that the established allowance
kerugian penurunan nilai yang dibentuk untuk made for impairment losses on uncollectible
menutup kerugian yang mungkin timbul akibat placement with Bank Indonesia and other banks are
penempatan pada Bank Indonesia dan bank lain tidak adequate.
tertagih telah memadai.
Pada tanggal 31 Desember 2024 dan 2023, tidak As of 31 December 2024 and 2023, no placements
terdapat penempatan pada Bank Indonesia dan bank with Bank Indonesia and other banks were blocked.
lain yang diblokir.
Page 539
These Financial Statements are Originally Issued
in Indonesian Language
Ekshibit E/47 Exhibit E/47
PT BANK MASPION INDONESIA TBK PT BANK MASPION INDONESIA TBK
CATATAN ATAS LAPORAN KEUANGAN NOTES TO FINANCIAL STATEMENTS
UNTUK TAHUN YANG BERAKHIR PADA FOR THE YEAR ENDED
31 DESEMBER 2024 31 DECEMBER 2024
(Disajikan dalam ribuan Rupiah, kecuali dinyatakan lain) (Expressed in thousands of Rupiah, unless otherwise stated)
7. PENEMPATAN PADA BANK INDONESIA DAN BANK 7. PLACEMENTS WITH BANK INDONESIA AND OTHER
LAIN (Lanjutan) BANKS (Continued)
d. Cadangan kerugian penurunan nilai (Lanjutan) d. Allowance for impairment losses (Continued)
Informasi mengenai klasifikasi aset keuangan yang Information with respect to classification of impaired
mengalami penurunan nilai dan tidak mengalami and not impaired and credit quality of financial assets
penurunan nilai dan kolektibilitas diungkapkan pada are disclosed in Note 35.
Catatan 35.
8. EFEK-EFEK 8. MARKETABLE SECURITIES
Pada tanggal 31 Desember 2024 dan 2023, efek-efek As of 31 Desember 2024 and 2023, marketable
diklasifikasikan sebagai efek-efek yang diukur pada securities are all classified as amortized cost and fair
biaya perolehan diamortisasi dan diukur pada nilai value through other comprehensive income and the
wajar melalui penghasilan komprehensif lain dan Bank has no marketable securities involving related
Bank tidak memiliki efek-efek pada pihak berelasi. parties.
2024 2023
Biaya perolehan diamortisasi Amortized cost
Surat Utang Negara (SUN) Government bonds (SUN)
Jatuh tempo lebih dari 12 bulan 1.901.154.000 1.901.154.000 Maturing more than 12 months
Ditambah: Added:
Premium yang belum diamortisasi 173.592.900 180.411.031 Unamortized interest
Jumlah biaya perolehan diamortisasi 2.074.746.900 2.081.565.031 Total amortized cost
Nilai wajar melalui penghasilan Fair value through other
komprehensif lain comprehensive income
Bank Indonesia Rupiah Securities
Sekuritas Rupiah Bank Indonesia (SRBI) (SRBI)
Jatuh tempo kurang dari 12 bulan 617.865.000 - Maturing less than 12 months
Dikurangi: Less:
Diskonto yang belum diamortisasi ( 17.110.528) - Unamortized interest
Kerugian penyesuaian nilai wajar ( 210.958) - Loss from mark to market
Sub-jumlah 600.543.514 - Sub-total
Surat Utang Negara (SUN) Government bonds (SUN)
Jatuh tempo lebih dari 12 bulan 345.000.000 345.000.000 Maturing more than 12 months
Ditambah/dikurangi: Added/less:
Diskonto yang belum diamortisasi ( 2.090.904) ( 2.393.571) Unamortized interest
Keuntungan (kerugian) penyesuaian Gain (loss) from
nilai wajar ( 3.060.106) 7.368.771 mark to market
Sub-jumlah 339.848.990 349.975.200 Sub-total
Jumlah nilai wajar melalui penghasilan Total Fair value through other
komprehensif lain 940.392.504 349.975.200 comprehensive income
Jumlah 3.015.139.404 2.431.540.231 Total
SRBI jatuh tempo dengan jangka waktu kurang dari SRBI have maturity periods less than 12 months with
12 bulan dengan tingkat suku bunga rata-rata average annual interest rate of 7.09% as of
tahunan sebesar 7,09% pada 31 Desember 2024. 31 December 2024.
SUN jatuh tempo dengan jangka waktu lebih dari SUN have maturity periods more than 12 months with
12 bulan dengan tingkat suku bunga rata-rata average annual interest rate of 7.71% as of
tahunan masing-masing sebesar 7,71% pada 31 December 2024 and 2023, respectively.
31 Desember 2024 dan 2023.
Semua efek-efek pada tanggal 31 Desember 2024 dan All marketable securities as of 31 December 2024 and
2023 diklasifikasikan lancar. 2023 were classified as current.
Informasi mengenai klasifikasi aset keuangan yang Information with respect to classification of
mengalami penurunan nilai dan tidak mengalami impaired and not impaired of financial assets are
penurunan nilai diungkapkan pada Catatan 35. disclosed in Note 35.
Page 540
These Financial Statements are Originally Issued
in Indonesian Language
Ekshibit E/48 Exhibit E/48
PT BANK MASPION INDONESIA TBK PT BANK MASPION INDONESIA TBK
CATATAN ATAS LAPORAN KEUANGAN NOTES TO FINANCIAL STATEMENTS
UNTUK TAHUN YANG BERAKHIR PADA FOR THE YEAR ENDED
31 DESEMBER 2024 31 DECEMBER 2024
(Disajikan dalam ribuan Rupiah, kecuali dinyatakan lain) (Expressed in thousands of Rupiah, unless otherwise stated)
8. EFEK-EFEK (Lanjutan) 8. MARKETABLE SECURITIES (Continued)
Perubahan keuntungan (kerugian) yang belum Movement of unrealized gain (loss) for marketable
direalisasi atas efek-efek yang diukur pada nilai securities measured at fair value through other
wajar melalui penghasilan komprehensif lain adalah comprehensive income are as follow:
sebagai berikut:
2024 2023
Keuntungan (kerugian) perubahan nilai Unrealized gain (loss) on changes
aset keuangan – penghasilan in value of financial assets -
komprehensif lain other comprehensive income
Beginning balance – before
Saldo awal - sebelum pajak tangguhan 7.368.771 ( 3.088.699) deferred tax
Keuntungan (kerugian) tahun berjalan ( 10.639.835) 10.457.470 Gain (loss) during the year
Jumlah sebelum pajak tangguhan ( 3.271.064) 7.368.771 Total before deferred tax
Pajak tangguhan 719.634 ( 1.621.130) Deferred tax
Saldo akhir - bersih ( 2.551.430) 5.747.641 Ending balance - net
9. EFEK-EFEK YANG DIBELI DENGAN JANJI DIJUAL 9. SECURITIES PURCHASED UNDER AGREEMENTS TO
KEMBALI RESELL
Efek-efek yang dibeli dengan janji dijual kembali Securities purchased under agreements to resell as
pada tanggal 31 Desember 2024 dan 2023 terdiri dari: of 31 December 2024 and 2023 are as follows:
2024
Pendapatan
bunga yang
Jenis efek- Tanggal Tanggal belum
efek/ Nilai nominal/ dimulai/ jatuh Nilai penjualan diamortisasi/
Nasabah/ Type of Nominal Starting tempo/ kembali/ Unamortized Nilai tercatat/
Counterparty securities amount date Due date Resale amount interest Carrying value
Pihak ketiga/
Third parties
Bank Indonesia SUN 550.000.000 30/12/24 06/01/25 539.839.729 ( 449.342) 539.390.387
Bank Indonesia SUN 200.000.000 31/12/24 07/01/25 198.006.357 ( 197.776) 197.808.581
Bank Indonesia SUN 30.000.000 23/10/24 22/01/25 29.470.283 ( 109.103) 29.361.180
Bank Indonesia SUN 22.000.000 30/12/24 06/01/25 21.593.589 ( 17.974) 21.575.615
Bank Indonesia SUN 4.800.000 28/11/24 26/02/25 4.634.972 ( 46.464) 4.588.508
Jumlah/Total 806.800.000 793.544.930 ( 820.659) 792.724.271
2023
Pendapatan
bunga yang
Jenis efek- Tanggal Tanggal belum
efek/ Nilai nominal/ dimulai/ jatuh Nilai penjualan diamortisasi/
Nasabah/ Type of Nominal Starting tempo/ kembali/ Unamortized Nilai tercatat/
Counterparty securities amount date Due date Resale amount interest Carrying value
Pihak ketiga/
Third parties
Bank Indonesia SUN 500.000.000 28/12/23 04/01/24 481.946.516 ( 240.692) 481.705.824
Bank Indonesia SUN 300.000.000 27/12/23 03/01/24 286.615.865 ( 95.427) 286.520.438
Bank Indonesia SUN 300.000.000 27/12/23 03/01/24 286.615.865 ( 95.427) 286.520.438
Bank Indonesia SUN 300.000.000 29/12/23 05/01/24 285.019.685 ( 189.792) 284.829.893
Bank Indonesia SUN 52.161.000 27/12/23 27/03/24 50.638.268 ( 767.734) 49.870.534
Bank Indonesia SUN 11.000.000 27/12/23 03/01/24 10.509.248 ( 3.499) 10.505.749
Bank Indonesia SUN 6.000.000 28/12/23 04/01/24 5.747.117 ( 2.870) 5.744.247
Bank Indonesia SUN 3.826.000 27/12/23 27/03/24 3.714.308 ( 56.313) 3.657.995
Jumlah/Total 1.472.987.000 1.410.806.872 ( 1.451.754) 1.409.355.118
Page 541
These Financial Statements are Originally Issued
in Indonesian Language
Ekshibit E/49 Exhibit E/49
PT BANK MASPION INDONESIA TBK PT BANK MASPION INDONESIA TBK
CATATAN ATAS LAPORAN KEUANGAN NOTES TO FINANCIAL STATEMENTS
UNTUK TAHUN YANG BERAKHIR PADA FOR THE YEAR ENDED
31 DESEMBER 2024 31 DECEMBER 2024
(Disajikan dalam ribuan Rupiah, kecuali dinyatakan lain) (Expressed in thousands of Rupiah, unless otherwise stated)
9. EFEK-EFEK YANG DIBELI DENGAN JANJI DIJUAL 9. SECURITIES PURCHASED UNDER AGREEMENTS TO
KEMBALI (Lanjutan) RESELL (Continued)
Efek-efek yang dibeli dengan janji dijual kembali Securities purchased under agreements to resell are
tersebut di atas diklasifikasikan sebagai lancar. classified as current.
Efek-efek yang dibeli dengan janji dijual kembali Securities purchased under agreements to resell
jatuh tempo dengan jangka waktu 1 - 3 bulan dengan have maturity periods 1 – 3 months with annual
tingkat suku bunga rata-rata tahunan average interest rates of 6.11% and 5.86% as of
masing-masing sebesar 6,11% dan 5,86% pada 31 December 2024 and 2023, respectively.
31 Desember 2024 dan 2023.
Manajemen Bank berpendapat bahwa jumlah The Bank’s management believes that the allowance
cadangan kerugian penurunan nilai untuk efek-efek for impairment losses for securities purchased under
yang dibeli dengan janji dijual kembali agreements to resell as of 31 December 2024 and
31 Desember 2024 dan 2023 tidak diperlukan. 2023 are not required.
Pada tanggal 31 Desember 2024 dan 2023, sinking As of 31 December 2024 and 2023, sinking fund for
fund atas imbalan pascakerja karyawan dalam Rupiah post-employment benefits in Rupiah amounted to
masing-masing sebesar Rp26.164.123 dan Rp26,164,123 and Rp19,907,991, respectively, has
Rp19.907.991 telah ditetapkan oleh manajemen been set up by the Bank’s management. The Bank
Bank. Bank tidak dapat menggunakan sinking fund cannot use the sinking fund for Bank’s operational.
tersebut untuk operasional Bank.
10. TAGIHAN AKSEPTASI 10. ACCEPTANCE RECEIVABLES
a. Berdasarkan pihak, hubungan dan mata uang a. By party, relationship and currency
2024 2023
Jumlah nosional Jumlah nosional
mata uang asing/ mata uang asing/
Notional amount in Notional amount in
foreign currency Ekuivalen/ foreign currency Ekuivalen/
(angka penuh/ Equivalent (angka penuh/ Equivalent
full amount) Rupiah full amount) Rupiah
Pihak berelasi Related parties
Debitur non-bank Non-bank debtors
Mata uang asing - Foreign currency -
Dolar Amerika United States
Serikat 44.700 719.447 - Dollar
Yuan China 194.000 427.768 118.800 257.803 Chinese Yuan
Sub-jumlah Sub-total
(Catatan 33) 1.147.215 257.803 (Note 33)
Pihak ketiga Third parties
Debitur non-bank Non-bank debtors
Rupiah 1.427.964 3.660.565 Rupiah
Sub-jumlah 1.427.964 3.660.565 Sub-total
Jumlah 2.575.179 3.918.368 Total
Dikurangi: cadangan
kerugian penurunan Less: allowance for
nilai ( 8.708) ( 1.273.254) impairment losses
Jumlah - bersih 2.566.471 2.645.114 Total - net
Page 542
These Financial Statements are Originally Issued
in Indonesian Language
Ekshibit E/50 Exhibit E/50
PT BANK MASPION INDONESIA TBK PT BANK MASPION INDONESIA TBK
CATATAN ATAS LAPORAN KEUANGAN NOTES TO FINANCIAL STATEMENTS
UNTUK TAHUN YANG BERAKHIR PADA FOR THE YEAR ENDED
31 DESEMBER 2024 31 DECEMBER 2024
(Disajikan dalam ribuan Rupiah, kecuali dinyatakan lain) (Expressed in thousands of Rupiah, unless otherwise stated)
10. TAGIHAN AKSEPTASI (Lanjutan) 10. ACCEPTANCE RECEIVABLES (Continued)
b. Berdasarkan jatuh tempo b. By maturity
2024 2023
Jumlah nosional Jumlah nosional
mata uang asing/ mata uang asing/
Notional amount in Notional amount in
foreign currency Ekuivalen/ foreign currency Ekuivalen/
(angka penuh/ Equivalent (angka penuh/ Equivalent
full amount) Rupiah full amount) Rupiah
Rupiah Rupiah
Kurang dari 1 bulan 1.427.964 2.952.756 Less than 1 month
1 - 3 bulan - 707.809 1 - 3 months
Sub-jumlah 1.427.964 3.660.565 Sub-total
Mata uang asing Foreign currency
Dolar Amerika United States
Serikat Dollar
1 - 3 bulan 44.700 719.447 - 1 - 3 months
Sub-jumlah 719.447 - Sub-total
Yuan China Chinese Yuan
1 - 3 bulan 194.000 427.768 118.800 257.803 1 - 3 months
Sub-jumlah 427.768 257.803 Sub-total
Jumlah 2.575.179 3.918.368 Total
Dikurangi: cadangan
kerugian penurunan Less: allowance for
nilai ( 8.708) ( 1.273.254) impairment losses
Jumlah - bersih 2.566.471 2.645.114 Total - net
c. Berdasarkan kolektibilitas dan cadangan kerugian c. By collectability and allowance for impairment
penurunan nilai losses
Perubahan cadangan kerugian penurunan nilai The changes in the allowance for impairment
adalah sebagai berikut: losses are as follows:
2024
Tahap 1/ Tahap 2/ Tahap 3/ Jumlah/
Stage 1 Stage 2 Stage 3 Total
Saldo awal 1.273.254 - - 1.273.254 Beginning balance
Perubahan selama tahun Moving during current
berjalan ( 1.264.546) - - ( 1.264.546) year
Saldo akhir 8.708 - - 8.708 Ending balance
2023
Tahap 1/ Tahap 2/ Tahap 3/ Jumlah/
Stage 1 Stage 2 Stage 3 Total
Saldo awal - - - - Beginning balance
Perubahan selama tahun Moving during current
berjalan 1.273.254 - - 1.273.254 year
Saldo akhir 1.273.254 - - 1.273.254 Ending balance
Manajemen berpendapat bahwa jumlah cadangan The management believes that the established
kerugian penurunan nilai yang dibentuk untuk allowance made for impairment losses on
menutup kerugian yang mungkin timbul akibat uncollectible acceptance receivables are
tagihan akseptasi tidak tertagih telah memadai. adequate.
Page 543
These Financial Statements are Originally Issued
in Indonesian Language
Ekshibit E/51 Exhibit E/51
PT BANK MASPION INDONESIA TBK PT BANK MASPION INDONESIA TBK
CATATAN ATAS LAPORAN KEUANGAN NOTES TO FINANCIAL STATEMENTS
UNTUK TAHUN YANG BERAKHIR PADA FOR THE YEAR ENDED
31 DESEMBER 2024 31 DECEMBER 2024
(Disajikan dalam ribuan Rupiah, kecuali dinyatakan lain) (Expressed in thousands of Rupiah, unless otherwise stated)
10. TAGIHAN AKSEPTASI (Lanjutan) 10. ACCEPTANCE RECEIVABLES (Continued)
c. Berdasarkan kolektibilitas dan cadangan kerugian c. By collectability and allowance for impairment
penurunan nilai (Lanjutan) losses (Continued)
Semua tagihan akseptasi pada tanggal All acceptance receivables as of
31 Desember 2024 dan 2023 diklasifikasikan 31 December 2024 and 2023 were classified as
lancar. current.
Informasi mengenai klasifikasi aset keuangan Information with respect to classification of
yang mengalami penurunan nilai dan tidak impaired and not impaired and credit quality of
mengalami penurunan nilai dan kolektibilitas financial assets are disclosed in Note 35.
diungkapkan pada Catatan 35.
11. KREDIT YANG DIBERIKAN 11. LOANS
a. Berdasarkan mata uang a. By currency
2024 2023
Jumlah nosional Jumlah nosional
mata uang asing/ mata uang asing/
Notional amount in Notional amount in
foreign currency Ekuivalen/ foreign currency Ekuivalen/
(angka penuh/ Equivalent (angka penuh/ Equivalent
full amount) Rupiah full amount) Rupiah
Pihak berelasi Related parties
Rupiah Rupiah
Modal kerja 113.000.000 113.192.843 Working capital
Sub-jumlah Sub-total
(Catatan 33) 113.000.000 113.192.843 (Note 33)
Pihak ketiga Third parties
Rupiah Rupiah
Modal kerja 12.350.903.106 9.686.296.598 Working capital
Investasi 2.080.311.209 2.318.125.127 Investment
Konsumsi 114.256.752 127.957.825 Consumer
Mata uang asing Foreign currency
Dolar Amerika United States
Serikat Dollar
Modal kerja 86.288.555 1.388.814.289 55.016.491 847.088.948 Working capital
Investasi 24.291.329 390.968.935 9.987.519 153.777.834 Investment
Sub-jumlah 16.325.254.291 13.133.246.332 Sub-total
Jumlah kredit yang
diberikan 16.438.254.291 13.246.439.175 Total loans
Dikurangi: cadangan
kerugian Less: allowance for
penurunan nilai ( 463.372.785) ( 135.177.010) impairment losses
Jumlah - bersih 15.974.881.506 13.111.262.165 Total - net
Page 544
These Financial Statements are Originally Issued
in Indonesian Language
Ekshibit E/52 Exhibit E/52
PT BANK MASPION INDONESIA TBK PT BANK MASPION INDONESIA TBK
CATATAN ATAS LAPORAN KEUANGAN NOTES TO FINANCIAL STATEMENTS
UNTUK TAHUN YANG BERAKHIR PADA FOR THE YEAR ENDED
31 DESEMBER 2024 31 DECEMBER 2024
(Disajikan dalam ribuan Rupiah, kecuali dinyatakan lain) (Expressed in thousands of Rupiah, unless otherwise stated)
11. KREDIT YANG DIBERIKAN (Lanjutan) 11. LOANS (Continued)
b. Berdasarkan sektor ekonomi b. By economic sector
2024 2023
Rupiah Rupiah
Industri pengolahan 5.236.364.145 4.904.407.356 Processing industry
Financial and insurance
Aktivitas keuangan dan asuransi 3.608.450.722 1.394.128.047 activities
Perdagangan besar dan eceran, Wholesale and retail trade,
reparasi dan perawatan mobil dan repair maintenance of cars
sepeda motor 3.189.325.778 3.572.836.318 and motorcycles
Transportation and
Pengangkutan dan pergudangan 855.687.566 757.620.176 warehousing
Penyediaan akomodasi dan penyediaan Accommodation, food and
makan minum 359.663.319 473.639.452 beverage
Real estat 253.243.576 286.200.252 Real estate
Informasi dan komunikasi 230.834.737 81.708.970 Information and communication
Aktivitas penyewaan dan sewa guna Leasing and leasing activities
usaha tanpa hak opsi without employment options,
ketenagakerjaan, agen perjalanan travel agents and other
dan penunjang usaha lainnya 230.510.311 78.903.894 business support
Aktivitas kesehatan manusia dan Human health activities and
aktivitas sosial 219.975.699 219.113.968 social activities
Konstruksi 119.904.406 79.136.918 Construction
Rumah tangga 114.246.252 127.870.046 Households
Professional, scientific and
Aktivitas profesional, ilmiah dan teknis 80.326.035 79.040.127 technical activities
Arts, entertainment and
Kesenian, hiburan dan rekreasi 56.390.323 66.434.501 recreation
Aktivitas jasa lainnya 44.912.029 52.544.636 Other service activities
Pendidikan 29.165.515 42.316.479 Education
Agriculture, forestry and
Pertanian, kehutanan dan perikanan 24.474.747 23.011.014 fisheries
Pertambangan dan penggalian 4.985.407 6.569.286 Mining and exploration
Water management,
Pengelolaan air, pengelolaan air wastewater management,
limbah, pengelolaan dan daur ulang waste treatment and recycling,
sampah, dan aktivitas remidiasi - 3.174 and remediation activities
Bukan lapangan usaha lainnya 10.500 87.779 Not another business field
Sub-jumlah 14.658.471.067 12.245.572.393 Sub-total
Mata uang asing Foreign currency
Dolar Amerika Serikat United States Dollar
Pengadaan listrik, gas, uap atau air Supply of electricity, gas, steam
panas dan udara dingin 321.900.000 307.940.000 or hot water and cold air
Perdagangan besar dan eceran, Wholesale and retail trade,
reparasi dan perawatan mobil dan repair maintenance of cars
sepeda motor 318.814.333 120.098.899 and motorcycles
Agriculture, forestry and
Pertanian, kehutanan dan perikanan 241.182.557 - fisheries
Pertambangan dan penggalian 240.380.207 - Mining and exploration
Financial and insurance
Aktivitas keuangan dan asuransi 237.223.295 - activities
Industri pengolahan 211.320.676 246.820.520 Processing industry
Aktivitas penyewaan dan sewa guna Leasing and leasing activities
usaha tanpa hak opsi without employment options,
ketenagakerjaan, agen perjalanan travel agents and other
dan penunjang usaha lainnya 208.962.156 148.154.398 business support
Professional, scientific and
Aktivitas profesional, ilmiah dan teknis - 177.852.965 technical activities
Sub-jumlah 1.779.783.224 1.000.866.782 Sub-total
Jumlah 16.438.254.291 13.246.439.175 Total
Dikurangi: cadangan kerugian Less: allowance for
penurunan nilai ( 463.372.785) ( 135.177.010) impairment losses
Jumlah – bersih 15.974.881.506 13.111.262.165 Total – net
Page 545
These Financial Statements are Originally Issued
in Indonesian Language
Ekshibit E/53 Exhibit E/53
PT BANK MASPION INDONESIA TBK PT BANK MASPION INDONESIA TBK
CATATAN ATAS LAPORAN KEUANGAN NOTES TO FINANCIAL STATEMENTS
UNTUK TAHUN YANG BERAKHIR PADA FOR THE YEAR ENDED
31 DESEMBER 2024 31 DECEMBER 2024
(Disajikan dalam ribuan Rupiah, kecuali dinyatakan lain) (Expressed in thousands of Rupiah, unless otherwise stated)
11. KREDIT YANG DIBERIKAN (Lanjutan) 11. LOANS (Continued)
c. Berdasarkan jangka waktu c. By maturity
2024 2023
Rupiah Rupiah
Kurang dari atau sama dengan 1 tahun 10.589.200.332 8.453.746.407 Less than or equal to 1 year
Lebih dari 1 - 2 tahun 31.073.337 60.466.816 Over than 1 - 2 years
Lebih dari 2 - 5 tahun 2.082.098.576 1.619.076.092 Over than 2 - 5 years
Lebih dari 5 tahun 1.956.098.822 2.112.283.078 Over than 5 years
Sub-jumlah 14.658.471.067 12.245.572.393 Sub-total
Mata uang asing Foreign currency
Dolar Amerika Serikat United States Dollar
Kurang dari atau sama dengan 1 tahun 348.127.989 361.295.983 Less than or equal to 1 year
Lebih dari 2 - 5 tahun 800.305.852 491.416.401 Over than 2 - 5 years
Lebih dari 5 tahun 631.349.383 148.154.398 Over than 5 years
Sub-jumlah 1.779.783.224 1.000.866.782 Sub-total
Jumlah 16.438.254.291 13.246.439.175 Total
Dikurangi: cadangan kerugian Less: allowance for
penurunan nilai ( 463.372.785) ( 135.177.010) impairment losses
Jumlah – bersih 15.974.881.506 13.111.262.165 Total – net
d. Berdasarkan sisa umur sampai dengan saat jatuh d. Based on remaining period until maturity
tempo
2024 2023
Rupiah Rupiah
Kurang dari atau sama dengan 1 tahun 10.639.022.787 8.528.184.547 Less than or equal to 1 year
Lebih dari 1 - 2 tahun 493.845.932 146.736.085 Over than 1 - 2 years
Lebih dari 2 - 5 tahun 2.388.422.654 2.129.743.364 Over than 2 - 5 years
Lebih dari 5 tahun 1.137.179.694 1.440.908.397 Over than 5 years
Sub-jumlah 14.658.471.067 12.245.572.393 Sub-total
Mata uang asing Foreign currency
Dolar Amerika Serikat United States Dollar
Kurang dari atau sama dengan 1 tahun 348.127.989 366.919.419 Less than or equal to 1 year
Lebih dari 1 - 2 tahun 415.077.688 - Over than 1 - 2 years
Lebih dari 2 - 5 tahun 594.190.320 633.947.363 Over than 2 - 5 years
Lebih dari 5 tahun 422.387.227 - Over than 5 years
Sub-jumlah 1.779.783.224 1.000.866.782 Sub-total
Jumlah 16.438.254.291 13.246.439.175 Total
Dikurangi: cadangan kerugian Less: allowance for
penurunan nilai ( 463.372.785) ( 135.177.010) impairment losses
Jumlah – bersih 15.974.881.506 13.111.262.165 Total – net
e. Tingkat suku bunga rata-rata tahunan e. Annual average interest rates
2024 2023
Rupiah 7,87% 8,36% Rupiah
Mata uang asing Foreign currency
Dolar Amerika Serikat 6,15% 6,28% United States Dollar
f. Jumlah kredit yang diberikan dengan jaminan f. Total loans secured by saving accounts and time
tabungan dan deposito berjangka pada tanggal deposits as of 31 December 2024 and 2023, were
31 Desember 2024 dan 2023, masing-masing Rp465,667,409 and Rp361,645,687, respectively.
adalah sebesar Rp465.667.409 dan These loans are secured by saving accounts and
Rp361.645.687. Kredit yang diberikan dijamin time deposits, registered mortgages over
dengan tabungan dan deposito berjangka, collaterals, powers of attorney to mortgage or
agunan yang diikat dengan hak tanggungan, surat sell, or other guarantees generally acceptable to
kuasa untuk menjual, atau jaminan lain yang the Bank. Total saving accounts and time deposits
umumnya diterima oleh Bank. Jumlah tabungan pledged as collaterals to the loans are disclosed
dan deposito berjangka yang dijadikan sebagai in Note 18b and 18c.
jaminan kredit yang diberikan disajikan pada
Catatan 18b dan 18c.
Page 546
These Financial Statements are Originally Issued
in Indonesian Language
Ekshibit E/54 Exhibit E/54
PT BANK MASPION INDONESIA TBK PT BANK MASPION INDONESIA TBK
CATATAN ATAS LAPORAN KEUANGAN NOTES TO FINANCIAL STATEMENTS
UNTUK TAHUN YANG BERAKHIR PADA FOR THE YEAR ENDED
31 DESEMBER 2024 31 DECEMBER 2024
(Disajikan dalam ribuan Rupiah, kecuali dinyatakan lain) (Expressed in thousands of Rupiah, unless otherwise stated)
11. KREDIT YANG DIBERIKAN (Lanjutan) 11. LOANS (Continued)
g. Kredit yang diberikan kepada karyawan Bank g. The loans to employee of the Bank represent
merupakan kredit untuk membeli rumah, housing, vehicle, and other personal loans with
kendaraan dan keperluan lainnya yang dibebani annual average interest rates of 6.00% for
dengan suku bunga rata-rata tahunan masing- 31 December 2024 and 2023, respectively, with
masing sebesar 6,00% pada tanggal maturity periods ranging from 1 to 20 years.
31 Desember 2024 dan 2023 dengan jangka waktu These loans are paid through monthly salary
berkisar antara 1 sampai dengan 20 tahun. Kredit deductions.
ini dibayar kembali melalui pemotongan gaji
setiap bulan.
h. Kredit yang diberikan kepada pihak berelasi h. The loans to related parties (Note 33) amounted
(Catatan 33) adalah sebesar Rp113.000.000 dan to Rp113,000,000 and Rp113,192,843,
Rp113.192.843 atau sebesar 0,51% dan 0,58% dari representing 0.51% and 0.58% of the Bank’s total
jumlah aset Bank masing-masing pada tanggal assets as of 31 December 2024 and 2023,
31 Desember 2024 dan 2023 berupa kredit modal respectively, which consist of working capital
kerja yang dilakukan dengan kebijakan dan loans conducted under agreed terms and
syarat yang telah disepakati. conditions between parties.
i. Bank telah melakukan modifikasi dengan i. The Bank has restructured its loans by modifying
melakukan restrukturisasi kredit dengan the amount of loan installment or through
mengubah jumlah angsuran atau melalui extension of the credit period as of
perpanjangan jangka waktu kredit pada tanggal 31 December 2024 and 2023 amounted to
31 Desember 2024 dan 2023 masing-masing Rp724,627,944 and Rp840,730,675, respectively.
sebesar Rp724.627.944 dan Rp840.730.675.
Termasuk dalam saldo 31 Desember 2024 dan Included in the balance as of 31 Desember 2024
2023, kredit yang direstrukturisasi sebesar and 2023, restructured loans amounted to
Rp82.738.723 dan Rp493.667.220 merupakan Rp82,738,723 and Rp493,667,220 are
kredit yang direstrukturisasi terkait dampak dari restructured loans related to the impact of the
pandemi Covid-19 sesuai dengan POJK Covid-19 pandemic in accordance with POJK
No. 17/POJK.03/2021 tentang perubahan kedua No. 17/POJK.03/2021 regarding the second
atas POJK No. 11/POJK.03/2020 tentang amendment to No. 11/POJK.03/2020 about
“Stimulus Perekonomian Nasional sebagai “National Economic Stimulus as countercyclical
kebijakan countercyclical Dampak Penyebaran Policy Impact of Coronavirus Disease spread
Coronavirus Disease 2019” tertanggal 2019” dated 10 September 2021. Bank has
10 September 2021. Bank telah membukukan recorded a loss on loans modification for the
kerugian atas kredit modifikasian untuk tahun years ended 31 December 2024 and 2023
yang berakhir pada tanggal 31 Desember 2024 dan amounted to Rp53,910,931 and Rp27,987,200,
2023 masing-masing sebesar Rp53.910.931 dan respectively.
Rp27.987.200.
j. Kredit sindikasi merupakan kredit yang diberikan j. Syndicated loans represent loans provided to the
kepada debitur berdasarkan perjanjian debtor under syndication agreements with other
pembiayaan bersama dengan bank lain, yang banks, which can be obtained through the
dapat diperoleh melalui pasar primer dan primary and secondary markets. Syndicated loans
sekunder. Kredit sindikasi diberikan melalui are provided through the secondary market
pasar sekunder antara Bank dengan MUFG Bank between Bank and MUFG Bank Ltd., Jakarta
Ltd., cabang Jakarta berdasarkan pricing letter branch based on pricing letter dated
tanggal 20 Juni 2023. Saldo kredit sindikasi per 20 June 2023. The amount of syndicated loans as
31 Desember 2024 dan 2023 masing-masing of 31 December 2024 and 2023 amounted to
sebesar Rp321.900.000 dan Rp307.940.000. Rp321,900,000 and Rp307,940,000, respectively.
k. Kredit yang dihapusbukukan k. Loans written-off
Kredit yang dihapusbukukan pada 31 Desember Loans written-off on 31 December 2024 and
2024 dan 2023 masing-masing adalah sebesar 2023 were Rp51,167,419 and RpNil, respectively.
Rp51.167.419 dan RpNihil.
Page 547
These Financial Statements are Originally Issued
in Indonesian Language
Ekshibit E/55 Exhibit E/55
PT BANK MASPION INDONESIA TBK PT BANK MASPION INDONESIA TBK
CATATAN ATAS LAPORAN KEUANGAN NOTES TO FINANCIAL STATEMENTS
UNTUK TAHUN YANG BERAKHIR PADA FOR THE YEAR ENDED
31 DESEMBER 2024 31 DECEMBER 2024
(Disajikan dalam ribuan Rupiah, kecuali dinyatakan lain) (Expressed in thousands of Rupiah, unless otherwise stated)
11. KREDIT YANG DIBERIKAN (Lanjutan) 11. LOANS (Continued)
l. Perubahan cadangan kerugian penurunan nilai l. The changes in the allowance for impairment
adalah sebagai berikut: losses are as follows:
2024
Kerugian kredit
ekspektasi Kerugian kredit
sepanjang ekspektasi
umurnya - kredit sepanjang
Kerugian kredit tidak memburuk/ umurnya - kredit
ekspektasi Lifetime ECL - memburuk/
12 bulan/ no credit Lifetime ECL - Jumlah/
12-month ECL impaired Credit impaired Total
Saldo awal 42.397.032 30.603.558 62.176.420 135.177.010 Beginning balance
Transfer ke kerugian
kredit ekspektasi 12 Transfer to 12-month
bulan 1.810.132 ( 1.755.147) ( 54.985) - ECL
Transfer ke kerugian
kredit ekspektasian Transfer to lifetime
sepanjang umurnya - ECL - no credit
kredit tidak memburuk ( 498.235) 498.235 - - impaired
Transfer ke kerugian
kredit ekspektasian Transfer to lifetime
sepanjang umurnya - ECL - ECL - credit
kredit memburuk ( 638.423) ( 37.342) 675.765 - impaired
Penambahan penyisihan Provision during
selama tahun berjalan 169.315.504 25.593.570 184.025.129 378.934.203 the year
Penghapusan kredit - - ( 51.167.419) ( 51.167.419) Loans written-off
Exchange rate
Selisih kurs 428.991 - - 428.991 differences
Saldo akhir 212.815.001 54.902.874 195.654.910 463.372.785 Ending balance
2023
Kerugian kredit
ekspektasi Kerugian kredit
sepanjang ekspektasi
umurnya - kredit sepanjang
Kerugian kredit tidak memburuk/ umurnya - kredit
ekspektasi Lifetime ECL - memburuk/
12 bulan/ no credit Lifetime ECL - Jumlah/
12-month ECL impaired Credit impaired Total
Saldo awal 19.080.346 10.188.031 21.748.085 51.016.462 Beginning balance
Transfer ke kerugian
kredit ekspektasi 12 Transfer to 12-month
bulan 571.302 ( 571.302) - - ECL
Transfer ke kerugian
kredit ekspektasian Transfer to lifetime
sepanjang umurnya - ECL - no credit
kredit tidak memburuk ( 2.148.594) 2.148.594 - - impaired
Transfer ke kerugian
kredit ekspektasian Transfer to lifetime
sepanjang umurnya - ECL - ECL - credit
kredit memburuk ( 262.173) ( 1.394.104) 1.656.277 - impaired
Penambahan penyisihan Provision during
selama tahun berjalan 25.143.164 20.232.339 38.772.058 84.147.561 the year
Exchange rate
Selisih kurs 12.987 - - 12.987 differences
Saldo akhir 42.397.032 30.603.558 62.176.420 135.177.010 Ending balance
Manajemen berpendapat bahwa jumlah cadangan The management believes that the allowance for
kerugian penurunan nilai kredit yang diberikan impairment losses on uncollectible loans is
yang dibentuk telah memadai. adequate.
m. Informasi mengenai klasifikasi aset keuangan m. Information with respect to classification of
yang mengalami penurunan nilai dan tidak impaired and not impaired of financial assets are
mengalami penurunan nilai diungkapkan pada disclosed in Note 35.
Catatan 35.
Page 548
These Financial Statements are Originally Issued
in Indonesian Language
Ekshibit E/56 Exhibit E/56
PT BANK MASPION INDONESIA TBK PT BANK MASPION INDONESIA TBK
CATATAN ATAS LAPORAN KEUANGAN NOTES TO FINANCIAL STATEMENTS
UNTUK TAHUN YANG BERAKHIR PADA FOR THE YEAR ENDED
31 DESEMBER 2024 31 DECEMBER 2024
(Disajikan dalam ribuan Rupiah, kecuali dinyatakan lain) (Expressed in thousands of Rupiah, unless otherwise stated)
12. BUNGA YANG AKAN DITERIMA 12. INTEREST RECEIVABLES
2024 2023
Jumlah nosional Jumlah nosional
mata uang asing/ mata uang asing/
Notional amount Notional amount
in foreign in foreign
currency Ekuivalen/ currency Ekuivalen/
(angka penuh/ Equivalent (angka penuh/ Equivalent
full amount) Rupiah full amount) Rupiah
Rupiah Rupiah
Kredit yang
diberikan 40.809.131 48.113.745 Loans
Surat berharga 37.695.235 37.598.127 Marketable securities
Penempatan Placement with other
pada bank lain 84.699 - banks
Mata uang asing Foreign currency
Dolar Amerika United States
Serikat Dollar
Kredit yang
diberikan 463.636 7.462.218 169.398 2.608.217 Loans
Giro pada bank Current account with
lain 21.065 339.045 28.799 443.416 other banks
Jumlah 86.390.328 88.763.505 Total
Cadangan kerugian Allowance for
penurunan nilai ( 52.049) ( 66.069) impairment losses
Jumlah - bersih 86.338.279 88.697.436 Total - net
Perubahan cadangan kerugian penurunan nilai adalah The changes in the allowance for impairment losses
sebagai berikut: are as follows:
2024 2023
Saldo awal 66.069 167.313 Beginning balance
Selisih kurs 262 16 Exchange rate differences
Pemulihan tahun berjalan ( 14.282) ( 101.260) Recovery during the year
Saldo akhir 52.049 66.069 Ending balance
13. BEBAN DIBAYAR DI MUKA 13. PREPAID EXPENSES
2024 2023
Perbaikan dan pemeliharaan 18.988.876 1.951.113 Repair and maintenance
Piranti lunak 16.193.997 19.152.337 Software
Asuransi dibayar di muka 2.032.106 1.272.931 Prepaid insurance
Sewa dibayar di muka 234.080 564.206 Prepaid rent
Promosi 181.070 571.847 Promotion
Lain-lain 652.006 262.733 Others
Jumlah 38.282.135 23.775.167 Total
Page 549
These Financial Statements are Originally Issued
in Indonesian Language
Ekshibit E/57 Exhibit E/57
PT BANK MASPION INDONESIA TBK PT BANK MASPION INDONESIA TBK
CATATAN ATAS LAPORAN KEUANGAN NOTES TO FINANCIAL STATEMENTS
UNTUK TAHUN YANG BERAKHIR PADA FOR THE YEAR ENDED
31 DESEMBER 2024 31 DECEMBER 2024
(Disajikan dalam ribuan Rupiah, kecuali dinyatakan lain) (Expressed in thousands of Rupiah, unless otherwise stated)
14. ASET TETAP 14. FIXED ASSETS
2024
Saldo awal/ Penambahan/ Pengurangan/ Reklasifikasi/ Revaluasi/ Saldo akhir/
Beginning balance Additions Deductions Reclassifications Revaluation Ending balance
Aset kepemilikan Direct ownership
langsung: assets:
Nilai tercatat Carrying amount
Hak atas tanah 321.563.491 - - ( 2.903.167) - 318.660.324 Land right
Bangunan dan Buildings and
prasarana 78.034.842 126.623 520.000 ( 3.968.559) ( 2.779.811) 70.893.095 improvements
Mesin pembangkit
tenaga listrik 2.821.142 - 37.600 - - 2.783.542 Power generator
Perabot dan peralatan Furniture and office
kantor 60.513.115 9.877.712 3.025.617 1.480.385 - 68.845.595 equipment
Kendaraan bermotor 31.616.345 6.211.701 16.097.522 - - 21.730.524 Motor vehicles
Sub-jumlah 494.548.935 16.216.036 19.680.739 ( 5.391.341) ( 2.779.811) 482.913.080 Sub-total
Aset dalam Assets under
pembangunan 2.486.598 2.460.154 - ( 1.480.385) - 3.466.367 construction
Jumlah 497.035.533 18.676.190 19.680.739 ( 6.871.726) ( 2.779.811) 486.379.447 Total
Accumulated
Akumulasi penyusutan depreciation
Bangunan dan Buildings and
prasarana - 5.641.284 - ( 137.823) ( 358.675) 5.144.786 improvements
Mesin pembangkit
tenaga listrik 2.086.434 93.786 37.600 - - 2.142.620 Power generator
Perabot dan peralatan Furniture and office
kantor 45.123.969 6.370.749 3.024.845 - - 48.469.873 equipment
Kendaraan bermotor 24.589.798 2.578.210 15.735.737 - - 11.432.271 Motor vehicles
Jumlah 71.800.201 14.684.029 18.798.182 ( 137.823) ( 358.675) 67.189.550 Total
Nilai buku bersih 425.235.332 419.189.897 Net book value
2023
Saldo awal/ Penambahan/ Pengurangan/ Reklasifikasi/ Revaluasi/ Saldo akhir/
Beginning balance Additions Deductions Reclassifications Revaluation Ending balance
Aset kepemilikan Direct ownership
langsung: assets:
Nilai tercatat Carrying amount
Hak atas tanah 336.654.082 - - - ( 15.090.591) 321.563.491 Land right
Bangunan dan Buildings and
prasarana 81.637.873 385.115 - ( 5.997.656) 2.009.510 78.034.842 improvements
Mesin pembangkit
tenaga listrik 2.362.624 408.991 110.473 160.000 - 2.821.142 Power generator
Perabot dan peralatan Furniture and office
kantor 56.502.971 11.956.657 8.471.296 524.783 - 60.513.115 equipment
Kendaraan bermotor 30.688.102 731.641 - 196.602 - 31.616.345 Motor vehicles
Sub-jumlah 507.845.652 13.482.404 8.581.769 ( 5.116.271) ( 13.081.081) 494.548.935 Sub-total
Aset dalam Assets under
pembangunan 1.639.639 1.916.587 - ( 1.069.628) - 2.486.598 construction
Jumlah 509.485.291 15.398.991 8.581.769 ( 6.185.899) ( 13.081.081) 497.035.533 Total
Accumulated
Akumulasi penyusutan depreciation
Bangunan dan Buildings and
prasarana 9.063.371 4.462.936 - ( 722.879) ( 12.803.428) - improvements
Mesin pembangkit
tenaga listrik 2.106.242 90.665 110.473 - - 2.086.434 Power generator
Perabot dan peralatan Furniture and office
kantor 50.231.624 3.358.879 8.466.534 - - 45.123.969 equipment
Kendaraan bermotor 22.559.818 2.029.980 - - - 24.589.798 Motor vehicles
Jumlah 83.961.055 9.942.460 8.577.007 ( 722.879) ( 12.803.428) 71.800.201 Total
Nilai buku bersih 425.524.236 425.235.332 Net book value
Hak atas tanah berupa HGB yang akan berakhir pada The Bank’s land represents HGB, which will expire in
berbagai tanggal antara tahun 2025 sampai dengan certain dates from 2025 to 2053. Management
tahun 2053. Manajemen berpendapat bahwa tidak believes that the HGBs are readily extendable.
terdapat masalah dengan perpanjangan HGB.
Beban penyusutan pada tahun 2024 dan 2023, Depreciation expenses in 2024 and 2023, amounted
masing-masing sebesar Rp14.684.029 dan to Rp14,684,029 and Rp9,942,460, respectively
Rp9.942.460 (Catatan 30). (Note 30).
Pada tanggal 31 Desember 2024 dan 2023, As of 31 December 2024 and 2023, the Bank’s
manajemen Bank memperkirakan persentase management estimates that the percentage of
penyelesaian dari aset dalam pembangunan ditinjau completion of assets under construction in financial
dari aspek keuangan masing-masing sebesar 99,60% terms is 99.60% and 99.20%, respectively. Assets
dan 99,20%. Aset dalam pembangunan terdiri dari under construction consist of furniture and office
perabot dan peralatan kantor diperkirakan akan equipment are estimated to be completed in less
selesai dalam waktu kurang dari 1 tahun setelah than 1 year after the statement of financial position
tanggal laporan posisi keuangan. date.
Page 550
These Financial Statements are Originally Issued
in Indonesian Language
Ekshibit E/58 Exhibit E/58
PT BANK MASPION INDONESIA TBK PT BANK MASPION INDONESIA TBK
CATATAN ATAS LAPORAN KEUANGAN NOTES TO FINANCIAL STATEMENTS
UNTUK TAHUN YANG BERAKHIR PADA FOR THE YEAR ENDED
31 DESEMBER 2024 31 DECEMBER 2024
(Disajikan dalam ribuan Rupiah, kecuali dinyatakan lain) (Expressed in thousands of Rupiah, unless otherwise stated)
14. ASET TETAP (Lanjutan) 14. FIXED ASSETS (Continued)
Pada tanggal 31 Desember 2024 dan 2023, As of 31 December 2024 and 2023, the Bank’s
manajemen Bank memperkirakan estimasi komitmen management estimates the contractual
kontraktual dari aset tetap sebesar RpNihil. commitments of fixed assets are RpNil.
Aset tetap, kecuali tanah, pada tanggal Fixed assets, except land, were insured against fire,
31 Desember 2024 diasuransikan terhadap riot, accident and theft as of 31 December 2024, at
kebakaran, kerusuhan, kecelakaan dan pencurian di PT Asuransi Wahana Tata, PT Asuransi Central Asia
PT Asuransi Wahana Tata, PT Asuransi Central Asia and PT MNC Asuransi Indonesia (third parties) with
dan PT MNC Asuransi Indonesia (pihak ketiga) dengan insurance coverage amounting to Rp152,621,727
jumlah pertanggungan sebesar Rp152.621.727 (31 December 2023: Rp142,104,525). The
(31 Desember 2023: Rp142.104.525). Manajemen management believes that the insurance coverage is
berpendapat bahwa nilai pertanggungan tersebut adequate to cover possible losses from the insured
cukup untuk menutup kemungkinan kerugian atas assets.
aset yang dipertanggungkan.
Seluruh aset tetap Bank yang ada pada tanggal All of the Bank’s fixed assets as of the reporting date
pelaporan digunakan untuk menunjang aktivitas are fully used to support the Bank’s operational
operasi Bank. Biaya perolehan dari aset tetap yang activities. The cost of fixed assets that already fully
telah disusutkan penuh dan masih digunakan pada depreciated and still used in operation in
31 Desember 2024 dan 2023 adalah sebagai berikut: 31 December 2024 and 2023 are as follows:
2024 2023
Mesin pembangkit tenaga listrik 1.862.351 1.889.951 Power generator
Perabot dan peralatan kantor 37.916.939 38.919.256 Furniture and office equipment
Kendaraan bermotor 1.768.200 15.430.792 Motor vehicles
Jumlah 41.547.490 56.239.999 Total
Berdasarkan hasil evaluasi manajemen Bank, tidak Based on the assessment of the Bank’s management,
terdapat peristiwa atau perubahan keadaan yang there were no events or changes in circumstances
mengindikasikan adanya penurunan nilai aset tetap which may indicate impairment in the value of fixed
pada tanggal 31 Desember 2024. assets as of 31 December 2024.
Rincian laba penjualan aset tetap adalah sebagai The details of the gain on sale of fixed assets are as
berikut: follows:
2024 2023
Proceeds from sale of fixed
Hasil penjualan aset tetap 7.570.304 76.752 assets
Nilai buku bersih aset tetap 882.557 4.762 Net book value of fixed assets
Laba penjualan aset tetap – bersih Gain on sale of fixed assets –
(Catatan 31) 6.687.747 71.990 net (Note 31)
Pada tahun 2024, Bank telah menugaskan penilai In 2024, the Bank has assigned an external
independen eksternal KJPP Jimmy Prasetyo & Rekan. independent appraiser KJPP Jimmy Prasetyo &
Dalam laporannya tanggal 1 November 2024 Rekan. In its report dated 1 November 2024 signed
ditandatangani oleh Audrey Angelina, M.Bus., MAPPI by Audrey Angelina, M.Bus., MAPPI (Cert.) to
(Cert.) untuk melakukan penilaian terhadap aset conduct an assessment of the Bank's
Bank yang akan dijual. Penilaian kembali yang assets to be sold. The revaluation carried out on the
dilakukan atas bangunan menghasilkan penurunan building resulted in a decrease in amount of
nilai sebesar Rp 2.421.136 yang dicatat sebagai Rp 2,421,136 which was recorded as a loss on the
kerugian revaluasi aset tetap pada penghasilan revaluation of fixed assets in other
komprehensif lain. comprehensive income.
Pada tahun 2023, Bank telah menugaskan perusahaan In 2023, the Bank assigned registered independent
jasa penilai terdaftar untuk melakukan penilaian aset appraisers to appraise (revaluate) its fixed assets
tetap tanah dan bangunan. Bank melakukan penilaian (land and buildings). The Bank has revalued the value
kembali atas tanah dan bangunan tersebut bukan of its land and buildings not for tax purpose. Based
untuk tujuan perpajakan. Atas penilaian kembali on the reassessment that has been carried out, there
yang telah dilakukan terdapat indikasi penurunan are indications of a decrease in the amount of fixed
nilai aset tetap pada tahun 2023. assets in 2023.
Penilaian atas tanah dan bangunan dilakukan oleh The valuations of land and building are performed by
penilai independen eksternal KJPP Satria Setiawan & KJPP Satria Setiawan & Rekan and KJPP Hari Utomo
Rekan dan KJPP Hari Utomo & Rekan, dalam & Rekan as external independent appraisal, on its
laporannya tanggal 5 Maret 2024 ditandatangani report dated 5 March 2024, signed by Satria
masing-masing oleh Satria Wicaksono, SE. M.Ec. Dev., Wicaksono, SE. M.Ec. Dev., MAPPI (Cert.) and Ir. Budi
MAPPI (Cert.) dan Ir. Budi Prabowo, M.Si, MAPPI Prabowo, M.Si, MAPPI (Cert.), respectively.
(Cert).
Page 551
These Financial Statements are Originally Issued
in Indonesian Language
Ekshibit E/59 Exhibit E/59
PT BANK MASPION INDONESIA TBK PT BANK MASPION INDONESIA TBK
CATATAN ATAS LAPORAN KEUANGAN NOTES TO FINANCIAL STATEMENTS
UNTUK TAHUN YANG BERAKHIR PADA FOR THE YEAR ENDED
31 DESEMBER 2024 31 DECEMBER 2024
(Disajikan dalam ribuan Rupiah, kecuali dinyatakan lain) (Expressed in thousands of Rupiah, unless otherwise stated)
14. ASET TETAP (Lanjutan) 14. FIXED ASSETS (Continued)
Penilaian dilakukan berdasarkan Standar Penilaian Valuations are performed based on Indonesian
Indonesia, ditentukan berdasarkan transaksi pasar Valuation Standards, determined based on reference
terkini dan dilakukan dengan ketentuan-ketentuan to recent market transactions done on arm’s length
yang lazim. Metode penilaian yang dipakai adalah terms and appropriate requirements. The valuation
metode data pasar, metode biaya dan metode methods used are market value approach, cost
pendapatan. approach and income approach.
Informasi mengenai penilaian kembali aset tetap Information on the revaluation of land and buildings
pada tahun 2023 untuk kelompok aset tanah dan in 2023 performed by the Bank are as follows:
bangunan yang dilakukan oleh Bank adalah sebagai
berikut:
Nilai buku sebelum Nilai buku setelah Selisih lebih revaluasi
revaluasi/ revaluasi/ (penurunan nilai)/
Carrying amount Carrying amount Revaluation surplus
before revaluation after revaluation (impairment)
Tanah 336.654.082 321.563.491 ( 15.090.591) Land
Bangunan 63.221.903 78.034.842 14.812.939 Building
Jumlah 399.875.985 399.598.333 ( 277.652) Total
Penilaian kembali yang dilakukan atas tanah dan The revaluation carried out on land and buildings
bangunan menghasilkan penurunan nilai sebesar resulted in a decrease in amount of Rp277,652 which
Rp277.652 yang dicatat sebagai keuntungan revaluasi was recorded as a gain on the revaluation of fixed
aset tetap pada penghasilan komprehensif lain assets in other comprehensive income amounting to
sebesar Rp129.234 dan sebagai kerugian atas Rp129,234 and as a loss on the decrease in the
penurunan nilai revaluasi aset tetap pada laba rugi revaluation value of fixed assets in profit or loss
sebesar Rp406.886. amounting to Rp406,886.
Perubahan selisih lebih revaluasi aset tetap setelah The movements in the revaluation surplus of fixed
pajak adalah sebagai berikut: assets net of tax are as follows:
2024 2023
Saldo awal 153.508.158 158.396.888 Beginning balance
Transfer ke saldo laba ( 3.734.611) ( 1.669.603) Transfer to retained earnings
Penilaian kembali tahun berjalan ( 2.421.136) 129.234 Revaluation during the year
Pajak penghasilan terkait 532.650 ( 3.348.361) Related income tax
Saldo akhir 147.885.061 153.508.158 Ending balance
Tabel di bawah ini menganalisis instrumen non- The table below analyses non-financial instrument
keuangan yang dicatat pada nilai wajar berdasarkan carried at fair value, by level of valuation method,
tingkatan metode penilaian, sebagai berikut: as follows:
Pengukuran nilai wajar 31 Desember 2024 menggunakan:
Fair value measurement on 31 December 2024 using:
Tingkat 1/ Tingkat 2/ Tingkat 3/ Jumlah/
Level 1 Level 2 Level 3 Total
Pengukuran nilai Recurring fair
wajar berulang value measurement
Tanah - - 318.660.324 318.660.324 Land
Bangunan - - 70.893.095 70.893.095 Buildings
Jumlah - - 389.553.419 389.553.419 Total
Pengukuran nilai wajar 31 Desember 2023 menggunakan:
Fair value measurement on 31 December 2023 using:
Tingkat 1/ Tingkat 2/ Tingkat 3/ Jumlah/
Level 1 Level 2 Level 3 Total
Pengukuran nilai Recurring fair
wajar berulang value measurement
Tanah - - 321.563.491 321.563.491 Land
Bangunan - - 78.034.842 78.034.842 Buildings
Jumlah - - 399.598.333 399.598.333 Total
Tidak terdapat perpindahan antar tingkat selama There were no transfers between level during the
tahun berjalan. year.
Page 552
These Financial Statements are Originally Issued
in Indonesian Language
Ekshibit E/60 Exhibit E/60
PT BANK MASPION INDONESIA TBK PT BANK MASPION INDONESIA TBK
CATATAN ATAS LAPORAN KEUANGAN NOTES TO FINANCIAL STATEMENTS
UNTUK TAHUN YANG BERAKHIR PADA FOR THE YEAR ENDED
31 DESEMBER 2024 31 DECEMBER 2024
(Disajikan dalam ribuan Rupiah, kecuali dinyatakan lain) (Expressed in thousands of Rupiah, unless otherwise stated)
14. ASET TETAP (Lanjutan) 14. FIXED ASSETS (Continued)
Nilai wajar tingkat 3 dari tanah dan bangunan Level 3 fair values of land and buildings are
dihitung dengan menggunakan pendekatan calculated using the comparable market data
perbandingan harga pasar, estimasi biaya reproduksi approach, cost reproduction or cost replacement
baru atau biaya pengganti baru, dan estimasi approach and asset generated income approach. The
pendapatan dan biaya yang dihasilkan oleh aset. approximate market prices of comparable land and
Harga pasar dari tanah dan bangunan yang paling buildings are adjusted for differences in key
mendekati disesuaikan dengan perbedaan atribut attributes such as property size, location and use of
utama seperti ukuran aset, lokasi dan penggunaan an asset. The most significant input in this valuation
aset. Input yang paling signifikan dalam pendekatan approach is price per square meter assumptions.
penilaian ini adalah asumsi harga per meter.
Jika tanah dan bangunan dicatat sebesar harga If land and buildings are presented on historical cost
perolehan, maka pada tanggal 31 Desember 2024 dan basis, as of 31 December 2024 and 2023 the amount
2023 dicatat dalam jumlah sebagai berikut: would be as follows:
2024 2023
Tanah 197.244.079 197.588.792 Land
Bangunan Buildings
Biaya perolehan 82.233.505 90.805.109 Cost
Akumulasi penyusutan ( 38.221.124) ( 35.580.040) Accumulated depreciation
Nilai buku bangunan 44.012.381 55.225.069 Book value of buildings
Nilai buku bersih 241.256.460 252.813.861 Net book value
Selain tanah dan bangunan, tidak terdapat perbedaan There is no significant difference between the fair
yang signifikan antara nilai wajar aset tetap dengan value and carrying value of fixed assets other than
nilai tercatatnya. land and buildings.
Pada tanggal 31 Desember 2024 dan 2023, As of 31 December 2024 and 2023, the management
manajemen Bank berkeyakinan bahwa nilai aset of the Bank is of the opinion that the carrying values
tetap yang dapat diperoleh kembali masih melebihi of fixed assets do not exceed their recoverable
nilai tercatat aset tetap. amounts.
15. ASET TAK BERWUJUD 15. INTANGIBLE ASSETS
2024
Saldo awal/ Penambahan/ Pengurangan/ Saldo akhir/
Beginning balance Additions Disposal Ending balance
Biaya perolehan Cost
Perangkat lunak 13.795.938 1.305.515 - 15.101.453 Software
Akumulasi Accumulated
amortisasi amortization
Perangkat lunak 8.594.101 1.839.651 - 10.433.752 Software
Nilai tercatat 5.201.837 4.667.701 Carrying amount
2023
Saldo awal/ Penambahan/ Pengurangan/ Saldo akhir/
Beginning balance Additions Disposal Ending balance
Biaya perolehan Cost
Perangkat lunak 14.153.235 - 357.297 13.795.938 Software
Akumulasi Accumulated
amortisasi amortization
Perangkat lunak 6.772.336 1.821.765 - 8.594.101 Software
Nilai tercatat 7.380.899 5.201.837 Carrying amount
Aset tak berwujud merupakan perangkat lunak yang Intangible assets are software whose amortization
nilai amortisasinya dibebankan sebagai beban value is charged as other operating expenses –
operasional lainnya - umum dan administrasi general and administrative (Note 30).
(Catatan 30).
Page 553
These Financial Statements are Originally Issued
in Indonesian Language
Ekshibit E/61 Exhibit E/61
PT BANK MASPION INDONESIA TBK PT BANK MASPION INDONESIA TBK
CATATAN ATAS LAPORAN KEUANGAN NOTES TO FINANCIAL STATEMENTS
UNTUK TAHUN YANG BERAKHIR PADA FOR THE YEAR ENDED
31 DESEMBER 2024 31 DECEMBER 2024
(Disajikan dalam ribuan Rupiah, kecuali dinyatakan lain) (Expressed in thousands of Rupiah, unless otherwise stated)
16. ASET LAIN-LAIN 16. OTHER ASSETS
2024 2023
Agunan yang diambil alih setelah Foreclosed collaterals, net of
dikurangi cadangan kerugian penurunan allowance for impairment losses of
nilai masing-masing sebesar Rp14,532,206 and Rp13,718,284 as of
Rp14.532.206 dan Rp13.718.284 pada 31 December 2024 and 2023,
tanggal 31 Desember 2024 dan 2023 336.696.098 366.145.924 respectively
Uang hasil penjualan dalam lelang The proceeds from the sale in
(Catatan 39) 37.824.176 37.824.176 the auction (Note 39)
Aset hak guna 36.720.773 15.268.868 Right-of-use assets
Properti terbengkalai setelah dikurangi Abandoned property, net of
cadangan kerugian penurunan nilai allowance for impairment losses of
masing-masing sebesar Rp2.849.749 Rp2,849,749 and Rp1,872,323 as of
dan Rp1.872.323 pada tanggal 31 December 2024 and 2023,
31 Desember 2024 dan 2023 23.444.994 16.905.920 respectively
Uang muka dan jaminan 16.806.403 14.424.962 Advances and guarantees
Taksiran tagihan pajak (Catatan 21) 16.469.724 - Estimated claim for tax refund (Note 21)
Persediaan alat tulis kantor 4.954.816 5.652.145 Stationaries
Provisi dan komisi yang akan diterima 8.618 8.772 Fee and commissions receivables
Lain-lain 76.694.983 45.238.746 Others
Jumlah 549.620.585 501.469.513 Total
Bank berkeyakinan uang hasil penjualan dalam lelang The Bank believes that the proceeds from the sale in
akan diterima dari kurator setelah proses lelang atas the auction will be received from the curator after
seluruh aset milik pihak lain yang termasuk dalam the auction process for all assets belonging to other
boedel pailit telah laku terjual (berdasarkan parties included in the bankrupt bank has been sold
pembagian hasil penjualan boedel pailit dari (based on the distribution of proceeds from the sale
kurator). of the bankrupt bank from the curator).
Lain-lain terdiri dari uang muka penyelesaian kredit Others consist of credit settlement advances and
dan lain–lain. others.
Properti terbengkalai adalah aset tetap yang Abandoned properties represent fixed asset
sebelumnya diklasifikasikan sebagai aset tetap yang previously classified under fixed assets directly
dimiliki Bank tetapi tidak digunakan untuk kegiatan owned by the Bank but are not used in the Bank’s
usaha Bank yang lazim, yang berlokasi di: regular or normal operations, located at:
31 Desember/December 2024 31 Desember/December 2023
Jalan Gunung Sahari No. 18, Jakarta Utara Jalan Gunung Sahari No. 18, Jakarta Utara
Jalan Industri VI Ruko 4, Semarang Jalan Industri VI Ruko 4, Semarang
Jalan Sam Ratulangi No. 42, Makassar Jalan Sam Ratulangi No. 42, Makassar
Jalan Pattimura No. 32/B-15, Denpasar Jalan Pattimura No. 32/B-15, Denpasar
Pusat Perbelanjaan ITC Mangga Dua Lantai 4 Pusat Perbelanjaan ITC Mangga Dua Lantai 4
Blok B-50, Jakarta Utara Blok B-50, Jakarta Utara
Jalan Pajajaran No. 68, Kota Bandung -
Jl. KH. Mansyur No. 262A, Jakarta Barat -
Berdasarkan laporan penilai independen Hari Utomo Based on independent appraisal report by Hari
& Rekan pada tanggal 2 Januari 2025, nilai wajar Utomo & Partner on 2 January 2025, the fair value
properti terbengkalai yang berlokasi di Denpasar, of abandoned properties which located in Denpasar,
Makassar dan Bandung pada tanggal 31 Desember Makassar and Bandung as of 31 December 2024
2024 sebesar Rp10.309.500. Selain ketiga properti amounting to Rp10,309,500. Apart from the three
terbengkalai tersebut, nilai wajar properti abandoned properties, the fair value of the
terbengkalai telah dinilai berdasarkan laporan penilai abandoned properties has been assessed based on
independen Satria Setiawan & Rekan pada tanggal the report of the independent appraisal Satria
5 Maret 2024 sebesar Rp28.819.197. Setiawan & Partner on 5 March 2024 amounting to
Rp28,819,197.
Berdasarkan laporan penilai independen Satria Based on independent appraisal report by Satria
Setiawan & Rekan pada tanggal 5 Maret 2024, nilai Setiawan & Partner on 5 March 2024, the fair value
wajar properti terbengkalai pada tanggal of abandoned properties as of 31 December 2023
31 Desember 2023 sebesar Rp32.740.712. amounting to Rp32,740,712.
Bank membentuk cadangan kerugian penurunan nilai The Bank has provided an allowance for impairment
tanggal 31 Desember 2024 dan 2023 masing-masing losses as of 31 December 2024 and 2023 amounting
sebesar Rp2.849.749 dan Rp1.872.323. Manajemen to Rp2,849,749 and Rp1,872,323, respectively. The
berpendapat bahwa cadangan kerugian penurunan management believes that the established allowance
nilai yang dibentuk telah memadai. made for impairment losses is adequate.
Page 554
These Financial Statements are Originally Issued
in Indonesian Language
Ekshibit E/62 Exhibit E/62
PT BANK MASPION INDONESIA TBK PT BANK MASPION INDONESIA TBK
CATATAN ATAS LAPORAN KEUANGAN NOTES TO FINANCIAL STATEMENTS
UNTUK TAHUN YANG BERAKHIR PADA FOR THE YEAR ENDED
31 DESEMBER 2024 31 DECEMBER 2024
(Disajikan dalam ribuan Rupiah, kecuali dinyatakan lain) (Expressed in thousands of Rupiah, unless otherwise stated)
17. LIABILITAS SEGERA 17. LIABILITIES DUE IMMEDIATELY
2024 2023
Jumlah nosional Jumlah nosional
mata uang asing/ mata uang asing/
Notional amount in Notional amount in
foreign currency Ekuivalen/ foreign currency Ekuivalen/
(angka penuh/ Equivalent (angka penuh/ Equivalent
full amount) Rupiah full amount) Rupiah
Rupiah Rupiah
Beban bunga jatuh tempo 531.114 194.838 Past due interest
Liabilitas kepada pihak Liabilities to third
ketiga 450.039 5.128.430 parties
Liabilitas lainnya 527.558 339.533 Other liabilities
Sub-jumlah 1.508.711 5.662.801 Sub-total
Mata uang asing Foreign currency
Dolar Amerika Serikat United States Dollar
Beban bunga jatuh tempo 3.067 49.365 - Past due interest
Kiriman uang yang akan
diselesaikan - 180 2.772 Money transfer
Liabilitas lainnya - 1 22 Other liabilities
Sub-jumlah 49.365 2.794 Sub-total
Jumlah 1.558.076 5.665.595 Total
18. SIMPANAN DARI NASABAH 18. DEPOSITS FROM CUSTOMERS
2024 2023
Jumlah nosional Jumlah nosional
mata uang asing/ mata uang asing/
Notional amount in Notional amount in
foreign currency Ekuivalen/ foreign currency Ekuivalen/
(angka penuh/ Equivalent (angka penuh/ Equivalent
full amount) Rupiah full amount) Rupiah
Pihak berelasi Related parties
Rupiah Rupiah
Giro 85.674.203 130.157.202 Current accounts
Tabungan 20.869.664 91.391.228 Savings accounts
Deposito berjangka 117.082.834 193.199.123 Time deposits
Sub-jumlah 223.626.701 414.747.553 Sub-total
Mata uang asing Foreign currency
Dolar Amerika Serikat United States Dollar
Giro 4.025.939 64.797.495 4.022.832 61.939.541 Current accounts
Deposito berjangka 462.365 7.441.765 - Time deposits
Sub-jumlah 72.239.260 61.939.541 Sub-total
Sub-jumlah pihak Sub-total related
berelasi (Catatan 33) 295.865.961 476.687.094 parties (Note 33)
Pihak ketiga Third parties
Rupiah Rupiah
Giro 877.689.204 611.374.774 Current accounts
Tabungan 1.025.012.462 987.602.829 Savings accounts
Deposito berjangka 9.989.878.625 8.725.294.775 Time deposits
Sub-jumlah 11.892.580.291 10.324.272.378 Sub-total
Mata uang asing Foreign currency
Dolar Amerika Serikat United States Dollar
Giro 56.994.707 917.329.807 7.401.938 113.967.637 Current accounts
Deposito berjangka 8.932.132 143.762.672 7.546.347 116.191.108 Time deposits
Sub-jumlah 1.061.092.479 230.158.745 Sub-total
Yuan China Chinese Yuan
Tabungan 237.089 522.779 - Savings accounts
Sub-jumlah 522.779 - Sub-total
Sub-jumlah pihak Sub-total third
ketiga 12.954.195.549 10.554.431.123 parties
Jumlah 13.250.061.510 11.031.118.217 Total
Simpanan dari pihak berelasi tersebut merupakan These deposits from related parties represent
simpanan dari manajemen kunci, pemegang saham, deposits from key management, shareholders,
grup pemegang saham dan anggota keluarganya group’s shareholders and their family members
(Catatan 33). (Note 33).
Page 555
These Financial Statements are Originally Issued
in Indonesian Language
Ekshibit E/63 Exhibit E/63
PT BANK MASPION INDONESIA TBK PT BANK MASPION INDONESIA TBK
CATATAN ATAS LAPORAN KEUANGAN NOTES TO FINANCIAL STATEMENTS
UNTUK TAHUN YANG BERAKHIR PADA FOR THE YEAR ENDED
31 DESEMBER 2024 31 DECEMBER 2024
(Disajikan dalam ribuan Rupiah, kecuali dinyatakan lain) (Expressed in thousands of Rupiah, unless otherwise stated)
18. SIMPANAN DARI NASABAH (Lanjutan) 18. DEPOSITS FROM CUSTOMERS (Continued)
a. Giro a. Current accounts
Giro terdiri dari: Current accounts consist of:
2024 2023
Jumlah nosional Jumlah nosional
mata uang asing/ mata uang asing/
Notional amount in Notional amount in
foreign currency Ekuivalen/ foreign currency Ekuivalen/
(angka penuh/ Equivalent (angka penuh/ Equivalent
full amount) Rupiah full amount) Rupiah
Pihak berelasi Related parties
Rupiah 85.674.203 130.157.202 Rupiah
Mata uang asing Foreign currency
Dolar Amerika Serikat 4.025.939 64.797.495 4.022.832 61.939.541 United States Dollar
Sub-jumlah 150.471.698 192.096.743 Sub-total
Pihak ketiga Third parties
Rupiah 877.689.204 611.374.774 Rupiah
Mata uang asing Foreign currency
Dolar Amerika Serikat 56.994.707 917.329.807 7.401.938 113.967.637 United States Dollar
Sub-jumlah 1.795.019.011 725.342.411 Sub-total
Jumlah 1.945.490.709 917.439.154 Total
Tingkat suku bunga rata-rata tahunan: Annual average interest rates:
2024 2023
Rupiah 3,51% 3,07% Rupiah
Mata uang asing Foreign currency
Dolar Amerika Serikat 1,44% 1,23% United States Dollar
Tingkat suku bunga untuk giro dari pihak berelasi The interest rates on current accounts with
adalah sama dengan tingkat suku bunga yang related parties are similar to those for third
ditawarkan kepada pihak ketiga. parties.
Pada tanggal 31 Desember 2024 dan 2023, tidak As of 31 December 2024 and 2023, no current
terdapat giro yang diblokir sebagai jaminan accounts were blocked as loan security.
kredit.
b. Tabungan b. Saving accounts
Tabungan terdiri dari: Saving accounts consist of:
2024 2023
Jumlah nosional Jumlah nosional
mata uang asing/ mata uang asing/
Notional amount in Notional amount in
foreign currency Ekuivalen/ foreign currency Ekuivalen/
(angka penuh/ Equivalent (angka penuh/ Equivalent
full amount) Rupiah full amount) Rupiah
Pihak berelasi Related parties
Rupiah 20.869.664 91.391.228 Rupiah
Sub-jumlah 20.869.664 91.391.228 Sub-total
Pihak ketiga Third parties
Rupiah 1.025.012.462 987.602.829 Rupiah
Mata uang asing Foreign currency
Yuan China 237.089 522.779 - Chinese Yuan
Sub-jumlah 1.025.535.241 987.602.829 Sub-total
Jumlah 1.046.404.905 1.078.994.057 Total
Page 556
These Financial Statements are Originally Issued
in Indonesian Language
Ekshibit E/64 Exhibit E/64
PT BANK MASPION INDONESIA TBK PT BANK MASPION INDONESIA TBK
CATATAN ATAS LAPORAN KEUANGAN NOTES TO FINANCIAL STATEMENTS
UNTUK TAHUN YANG BERAKHIR PADA FOR THE YEAR ENDED
31 DESEMBER 2024 31 DECEMBER 2024
(Disajikan dalam ribuan Rupiah, kecuali dinyatakan lain) (Expressed in thousands of Rupiah, unless otherwise stated)
18. SIMPANAN DARI NASABAH (Lanjutan) 18. DEPOSITS FROM CUSTOMERS (Continued)
b. Tabungan (Lanjutan) b. Saving accounts (Continued)
Tingkat suku bunga rata-rata tahunan: Annual average interest rates:
2024 2023
Rupiah Rupiah
Tabungan 3,07% 3,02% Savings accounts
Emas 1,10% 1,22% Emas
KPR Express 4,00% 4,00% KPR Express
Arthamas 0,63% 0,60% Arthamas
Karyawan 1,14% 0,92% Employees
Karya 1,40% 1,43% Karya
Karya Dapan 1,24% 1,23% Karya Dapan
Si Cerdas 0,58% 0,62% Si Cerdas
Yuan China Chinese Yuan
Arthamas 0,24% - Arthamas
Tingkat suku bunga untuk tabungan dari pihak The interest rates on savings accounts for related
berelasi adalah sama dengan tingkat bunga yang parties are similar to those for third parties.
ditawarkan kepada pihak ketiga.
Pada tanggal 31 Desember 2024 dan 2023, jumlah As of 31 December 2024 and 2023, savings
tabungan yang diblokir sebagai jaminan kredit accounts were blocked as loan collaterals were
masing-masing sebesar Rp33.112.408 dan Rp33,112,408 and Rp31,554,852, respectively.
Rp31.554.852.
c. Deposito berjangka c. Time deposits
Deposito berjangka terdiri dari: Time deposits consist of:
2024 2023
Jumlah nosional Jumlah nosional
mata uang asing/ mata uang asing/
Notional amount in Notional amount in
foreign currency Ekuivalen/ foreign currency Ekuivalen/
(angka penuh/ Equivalent (angka penuh/ Equivalent
full amount) Rupiah full amount) Rupiah
Pihak berelasi Related parties
Rupiah 117.082.834 193.199.123 Rupiah
Mata uang asing Foreign currency
Dolar Amerika Serikat 462.365 7.441.765 - United States Dollar
Sub-jumlah 124.524.599 193.199.123 Sub-total
Pihak ketiga Third parties
Rupiah 9.989.878.625 8.725.294.775 Rupiah
Mata uang asing Foreign currency
Dolar Amerika Serikat 8.932.132 143.762.672 7.546.347 116.191.108 United States Dollar
Sub-jumlah 10.133.641.297 8.841.485.883 Sub-total
Jumlah 10.258.165.896 9.034.685.006 Total
Page 557
These Financial Statements are Originally Issued
in Indonesian Language
Ekshibit E/65 Exhibit E/65
PT BANK MASPION INDONESIA TBK PT BANK MASPION INDONESIA TBK
CATATAN ATAS LAPORAN KEUANGAN NOTES TO FINANCIAL STATEMENTS
UNTUK TAHUN YANG BERAKHIR PADA FOR THE YEAR ENDED
31 DESEMBER 2024 31 DECEMBER 2024
(Disajikan dalam ribuan Rupiah, kecuali dinyatakan lain) (Expressed in thousands of Rupiah, unless otherwise stated)
18. SIMPANAN DARI NASABAH (Lanjutan) 18. DEPOSITS FROM CUSTOMERS (Continued)
c. Deposito berjangka (Lanjutan) c. Time deposits (Continued)
Rincian deposito berjangka berdasarkan jangka The classifications of time deposits based on
waktu adalah sebagai berikut: maturities are as follows:
Berdasarkan periode deposito berjangka: Based on the period of the time deposits:
2024 2023
Jumlah nosional Jumlah nosional
mata uang asing/ mata uang asing/
Notional amount in Notional amount in
foreign currency Ekuivalen/ foreign currency Ekuivalen/
(angka penuh/ Equivalent (angka penuh/ Equivalent
full amount) Rupiah full amount) Rupiah
Pihak berelasi Related parties
Rupiah Rupiah
1 bulan 94.653.084 183.685.319 1 month
3 bulan 10.900.000 2.722.304 3 months
6 bulan 7.109.750 6.771.500 6 months
12 bulan 4.420.000 20.000 12 months
Sub-jumlah 117.082.834 193.199.123 Sub-total
Mata uang asing Foreign currency
Dolar Amerika Serikat United States Dollar
3 bulan 462.365 7.441.765 - 3 months
Sub-jumlah 7.441.765 - Sub-total
Sub-jumlah pihak Sub-total related
berelasi 124.524.599 193.199.123 parties
Pihak ketiga Third parties
Rupiah Rupiah
1 bulan 6.100.964.327 5.903.958.732 1 month
2 bulan 3.000.000 3.000.000 2 months
3 bulan 2.485.272.496 1.709.143.808 3 months
6 bulan 1.068.311.027 961.626.048 6 months
12 bulan 332.330.775 147.566.187 12 months
Sub-jumlah 9.989.878.625 8.725.294.775 Sub-total
Mata uang asing Foreign currency
Dolar Amerika Serikat United States Dollar
1 bulan 5.002.824 80.520.459 7.536.347 116.037.138 1 month
3 bulan 2.845.180 45.793.172 - 3 months
6 bulan 1.084.128 17.449.041 10.000 153.970 6 months
Sub-jumlah 143.762.672 116.191.108 Sub-total
Sub-jumlah pihak Sub-total third
ketiga 10.133.641.297 8.841.485.883 parties
Jumlah 10.258.165.896 9.034.685.006 Total
Page 558
These Financial Statements are Originally Issued
in Indonesian Language
Ekshibit E/66 Exhibit E/66
PT BANK MASPION INDONESIA TBK PT BANK MASPION INDONESIA TBK
CATATAN ATAS LAPORAN KEUANGAN NOTES TO FINANCIAL STATEMENTS
UNTUK TAHUN YANG BERAKHIR PADA FOR THE YEAR ENDED
31 DESEMBER 2024 31 DECEMBER 2024
(Disajikan dalam ribuan Rupiah, kecuali dinyatakan lain) (Expressed in thousands of Rupiah, unless otherwise stated)
18. SIMPANAN DARI NASABAH (Lanjutan) 18. DEPOSITS FROM CUSTOMERS (Continued)
c. Deposito berjangka (Lanjutan) c. Time deposits (Continued)
Berdasarkan sisa umur sampai dengan saat jatuh Based on remaining period until maturity:
tempo:
2024 2023
Jumlah nosional Jumlah nosional
mata uang asing/ mata uang asing/
Notional amount in Notional amount in
foreign currency Ekuivalen/ foreign currency Ekuivalen/
(angka penuh/ Equivalent (angka penuh/ Equivalent
full amount) Rupiah full amount) Rupiah
Rupiah Rupiah
Kurang dari atau sama Less than or until
dengan 1 bulan 7.074.895.497 6.636.785.629 1 month
Lebih dari 1 - 3 bulan 2.371.743.762 1.764.573.315 From 1 - 3 months
Lebih dari 3 - 6 bulan 443.059.327 453.587.087 From 3 - 6 months
Lebih dari 6 - 12 bulan 217.262.873 63.547.867 From 6 - 12 months
Sub-jumlah 10.106.961.459 8.918.493.898 Sub-total
Mata uang asing Foreign currency
Dolar Amerika Serikat United States Dollar
Kurang dari atau sama Less than or until
dengan 1 bulan 6.699.044 107.821.114 7.536.347 116.037.138 1 month
Lebih dari 1 - 3 bulan 2.491.325 40.097.882 - From 1 - 3 months
Lebih dari 3 - 6 bulan 204.128 3.285.441 10.000 153.970 From 3 - 6 months
Sub-jumlah 151.204.437 116.191.108 Sub-total
Jumlah 10.258.165.896 9.034.685.006 Total
Tingkat suku bunga rata-rata tahunan: Annual average interest rates:
2024 2023
Rupiah Rupiah
1 bulan 5,92% 5,55% 1 month
2 bulan 6,04% 5,50% 2 months
3 bulan 6,13% 5,65% 3 months
6 bulan 6,17% 5,87% 6 months
12 bulan 5,62% 5,31% 12 months
Mata uang asing Foreign currency
Dolar Amerika Serikat United States Dollar
1 bulan 5,09% 3,06% 1 month
3 bulan 4,82% - 3 months
6 bulan 4,28% 2,28% 6 months
Tingkat suku bunga untuk deposito berjangka dari The interest rates on time deposits from related
pihak berelasi adalah sama dengan tingkat suku parties are similar to those for third parties.
bunga yang diberlakukan terhadap pihak ketiga.
Pada tanggal 31 Desember 2024 dan 2023, jumlah As of 31 December 2024 and 2023, time deposits
deposito berjangka yang diblokir dan dijadikan blocked and used as collateral to the loans were
jaminan kredit masing-masing sebesar Rp523,367,861 and Rp517,111,955, respectively.
Rp523.367.861 dan Rp517.111.955.
Page 559
These Financial Statements are Originally Issued
in Indonesian Language
Ekshibit E/67 Exhibit E/67
PT BANK MASPION INDONESIA TBK PT BANK MASPION INDONESIA TBK
CATATAN ATAS LAPORAN KEUANGAN NOTES TO FINANCIAL STATEMENTS
UNTUK TAHUN YANG BERAKHIR PADA FOR THE YEAR ENDED
31 DESEMBER 2024 31 DECEMBER 2024
(Disajikan dalam ribuan Rupiah, kecuali dinyatakan lain) (Expressed in thousands of Rupiah, unless otherwise stated)
19. SIMPANAN DARI BANK LAIN 19. DEPOSITS FROM OTHER BANKS
2024 2023
Jumlah nosional Jumlah nosional
mata uang asing/ mata uang asing/
Notional amount Notional amount
in foreign in foreign
currency Ekuivalen/ currency Ekuivalen/
(angka penuh/ Equivalent (angka penuh/ Equivalent
full amount) Rupiah full amount) Rupiah
Pihak berelasi Related parties
Rupiah Rupiah
Giro 1.776.347 566.460 Current accounts
Mata uang asing Foreign currency
Dolar Amerika United States
Serikat Dollar
Call money 35.000.000 563.325.000 50.000.000 769.850.000 Call money
Sub-jumlah pihak Sub-total related
berelasi (Catatan 33) 565.101.347 770.416.460 parties (Note 33)
Pihak ketiga Third parties
Rupiah Rupiah
Giro 882.800.505 561.388.505 Current accounts
Deposito berjangka 576.515.307 263.561.576 Time deposits
Tabungan 114.619.885 83.233.497 Savings accounts
Mata uang asing Foreign currency
Dolar Amerika United States
Serikat Dollar
Call money 13.000.000 209.235.000 - Call money
Sub-jumlah pihak Sub-total third
ketiga 1.783.170.697 908.183.578 parties
Jumlah 2.348.272.044 1.678.600.038 Total
Tingkat suku bunga rata-rata tahunan: Annual average interest rates:
2024 2023
Rupiah Rupiah
Giro 5,31% 4,71% Current accounts
Tabungan 2,25% 1,34% Saving accounts
Deposito 1 bulan 6,16% 5,60% Time deposit 1 month
Deposito 3 bulan 6,42% 6,25% Time deposit 3 months
Deposito 6 bulan 5,82% - Time deposit 6 months
Deposito 12 bulan 4,89% 5,14% Time deposit 12 months
Mata uang asing Foreign currency
Dolar Amerika Serikat United States Dollar
Call money 4,84% 6,25% Call money
Pada tanggal 31 Desember 2024 dan 2023, tidak As of 31 December 2024 and 2023, there are no
terdapat simpanan dari bank lain yang dijadikan deposits from others banks which are pledged as
jaminan. collateral.
Page 560
These Financial Statements are Originally Issued
in Indonesian Language
Ekshibit E/68 Exhibit E/68
PT BANK MASPION INDONESIA TBK PT BANK MASPION INDONESIA TBK
CATATAN ATAS LAPORAN KEUANGAN NOTES TO FINANCIAL STATEMENTS
UNTUK TAHUN YANG BERAKHIR PADA FOR THE YEAR ENDED
31 DESEMBER 2024 31 DECEMBER 2024
(Disajikan dalam ribuan Rupiah, kecuali dinyatakan lain) (Expressed in thousands of Rupiah, unless otherwise stated)
20. LIABILITAS AKSEPTASI 20. ACCEPTANCE LIABILITIES
a. Berdasarkan pihak, hubungan dan mata uang a. By party, relationship and currency
2024 2023
Jumlah nosional Jumlah nosional
mata uang asing/ mata uang asing/
Notional amount in Notional amount in
foreign currency Ekuivalen/ foreign currency Ekuivalen/
(angka penuh/ Equivalent (angka penuh/ Equivalent
full amount) Rupiah full amount) Rupiah
Pihak ketiga Third parties
Kreditur bank Bank creditors
Rupiah 1.427.964 3.660.565 Rupiah
Sub-jumlah 1.427.964 3.660.565 Sub-total
Mata uang asing - Foreign currency -
Dolar Amerika United States
Serikat 44.700 719.447 - Dollar
Yuan China 194.000 427.768 118.800 257.803 Chinese Yuan
Sub-jumlah 1.147.215 257.803 Sub-total
Jumlah 2.575.179 3.918.368 Total
b. Berdasarkan jatuh tempo b. By maturity
2024 2023
Jumlah nosional Jumlah nosional
mata uang asing/ mata uang asing/
Notional amount in Notional amount in
foreign currency Ekuivalen/ foreign currency Ekuivalen/
(angka penuh/ Equivalent (angka penuh/ Equivalent
full amount) Rupiah full amount) Rupiah
Rupiah Rupiah
Kurang dari 1 bulan 1.427.964 2.952.756 Less than 1 month
1 - 3 bulan - 707.809 1 - 3 months
Sub-jumlah Rupiah 1.427.964 3.660.565 Sub-total Rupiah
Mata uang asing - Foreign currency -
Dolar Amerika United States
Serikat Dollar
1 - 3 bulan 44.700 719.447 - 1 - 3 months
Yuan China Chinese Yuan
1 - 3 bulan 194.000 427.768 118.800 257.803 1 - 3 months
Sub-jumlah mata Sub-total foreign
uang asing 1.147.215 257.803 currency
Jumlah 2.575.179 3.918.368 Total
21. PERPAJAKAN 21. TAXATION
a. Utang pajak a. Taxes payable
2024 2023
Pajak penghasilan Pasal 21 2.865.711 3.108.196 Income tax Article 21
Pajak penghasilan Pasal Income tax Articles
23/4(2) 11.619.997 10.359.452 23/4(2)
Pajak penghasilan Pasal 25 - 735.931 Income tax Article 25
Pajak penghasilan Pasal 26 1.187.275 23.452 Income tax Article 26
Pajak penghasilan Pasal 29 - 12.495.790 Income tax Article 29
Pajak Pertambahan Nilai 669.962 60.431 Value Added Tax
Jumlah 16.342.945 26.783.252 Total
b. (Manfaat) beban pajak b. Tax (benefit) expense
2024 2023
Kini - 31.557.799 Current
Tangguhan ( 64.075.261) ( 10.987.323) Deferred
(Manfaat) beban pajak - bersih ( 64.075.261) 20.570.476 Tax (benefit) expense - net
Page 561
These Financial Statements are Originally Issued
in Indonesian Language
Ekshibit E/69 Exhibit E/69
PT BANK MASPION INDONESIA TBK PT BANK MASPION INDONESIA TBK
CATATAN ATAS LAPORAN KEUANGAN NOTES TO FINANCIAL STATEMENTS
UNTUK TAHUN YANG BERAKHIR PADA FOR THE YEAR ENDED
31 DESEMBER 2024 31 DECEMBER 2024
(Disajikan dalam ribuan Rupiah, kecuali dinyatakan lain) (Expressed in thousands of Rupiah, unless otherwise stated)
21. PERPAJAKAN (Lanjutan) 21. TAXATION (Continued)
b. (Manfaat) beban pajak (Lanjutan) b. Tax (benefit) expense (Continued)
Rekonsiliasi antara laba (rugi) sebelum (manfaat) The reconciliation between income (loss) before
beban pajak seperti yang disajikan dalam laporan tax (benefit) expense as shown in the statement
laba rugi dan penghasilan komprehensif lain dan of profit or loss and other comprehensive income
taksiran penghasilan kena pajak (rugi fiskal) and estimated taxable income (fiscal loss) for the
untuk tahun yang berakhir pada tanggal years ended 31 December 2024 and 2023, are as
31 Desember 2024 dan 2023 adalah sebagai follows:
berikut:
2024 2023
Laba (rugi) sebelum (manfaat) Income (loss) before tax (benefit)
beban pajak sesuai dengan expense as per statement of
laporan laba rugi dan penghasilan profit or loss and other
komprehensif lain ( 311.286.831) 83.823.886 comprehensive income
Beda tetap Permanent differences
Beban yang tidak dapat Non-deductible
dikurangkan: expenses:
Beban promosi 17.389.670 7.591.393 Promotion expense
Beban non-operasional 1.420.462 813.416 Non-operating expenses
Beban pajak lainnya 1.187.920 1.241.133 Other tax expense
Rugi penjualan gedung - final 20.000 - Loss on sales of building - final
Beban operasional 17.594 29.516 Operating expenses
Natura - 2.820 Natura
Sub-jumlah 20.035.646 9.678.278 Sub-total
Beda temporer Temporary differences
Kredit modifikasian 32.251.367 21.454.160 Loans modification
Cadangan biaya 15.193.321 - Accrued expenses
Pembentukan cadangan imbalan Provision for employee
kerja 2.047.937 4.545.747 benefits liabilities
Pembentukan cadangan kerugian Provision of allowance for
penurunan nilai 767.997 16.203.090 impairment losses
Aset hak guna 387.215 32.528 Right-of-use assets
Aset tetap ( 3.682.806) ( 1.122.259) Fixed assets
Aset tak berwujud ( 51.424) ( 317.780) Intangible assets
Cadangan bonus 353.107 9.146.893 Bonus reserve
Sub-jumlah 47.266.714 49.942.379 Sub-total
Taksiran penghasilan kena pajak Estimated taxable income
(rugi fiskal) ( 243.984.471) 143.444.543 (fiscal loss)
Pajak penghasilan sesuai tarif Income tax based on the
pajak yang berlaku - 31.557.799 applicable tax rate
Pajak penghasilan dibayar di muka Prepayment of income
- Pasal 25 ( 16.469.724) ( 19.062.009) tax - Article 25
Under payment of corporate
Pajak penghasilan badan kurang income tax (estimated claim
bayar (taksiran tagihan pajak) ( 16.469.724) 12.495.790 for tax refund)
Rekonsiliasi antara (manfaat) beban pajak dengan The reconciliation between the tax (benefit)
menggunakan tarif pajak yang berlaku dari laba expense computed by applying the applicable tax
(rugi) sebelum (manfaat) beban pajak dan rate on the income (loss) before tax (benefit)
(manfaat) beban pajak, bersih seperti yang expense and the tax (benefit) expense, net as
disajikan laporan laba rugi dan penghasilan shown in the statement of profit or loss and other
komprehensif lain untuk tahun yang berakhir pada comprehensive income for the years ended
tanggal 31 Desember 2024 dan 2023 adalah 31 December 2024 and 2023 are as follows:
sebagai berikut:
2024 2023
Laba (rugi) sebelum (manfaat) Income (loss) before tax (benefit)
beban pajak ( 311.286.831) 83.823.886 expense
Taksiran pajak penghasilan dengan Estimated income tax at
tarif pajak yang berlaku ( 68.483.103) 18.441.255 applicable tax rate
Tax effect on permanent
Pengaruh pajak atas beda tetap 4.407.842 2.129.221 differences
(Manfaat) beban pajak - bersih ( 64.075.261) 20.570.476 Tax (benefit) expense - net
Page 562
These Financial Statements are Originally Issued
in Indonesian Language
Ekshibit E/70 Exhibit E/70
PT BANK MASPION INDONESIA TBK PT BANK MASPION INDONESIA TBK
CATATAN ATAS LAPORAN KEUANGAN NOTES TO FINANCIAL STATEMENTS
UNTUK TAHUN YANG BERAKHIR PADA FOR THE YEAR ENDED
31 DESEMBER 2024 31 DECEMBER 2024
(Disajikan dalam ribuan Rupiah, kecuali dinyatakan lain) (Expressed in thousands of Rupiah, unless otherwise stated)
21. PERPAJAKAN (Lanjutan) 21. TAXATION (Continued)
b. (Manfaat) beban pajak (Lanjutan) b. Tax (benefit) expense (Continued)
Perhitungan rugi fiskal untuk tahun yang berakhir The calculation of fiscal loss for the year ended
pada tanggal 31 Desember 2024 di atas akan 31 December 2024 above will be used as the basis
digunakan sebagai dasar penyajian Surat for the presentation in Bank’s 2024 Annual Tax
Pemberitahuan Tahunan (“SPT”) tahun 2024. Return (“SPT”). Meanwhile, the calculation of
Sedangkan, perhitungan taksiran penghasilan estimated taxable income for the year ended
kena pajak untuk tahun yang berakhir pada 31 December 2023 was appropriately used as the
tanggal 31 Desember 2023 telah digunakan basis for the presentation in Bank’s 2023 SPT.
sebagai dasar penyajian SPT tahun 2023.
c. Aset pajak tangguhan c. Deferred tax assets
Mutasi aset pajak tangguhan pada tahun Movement of deferred tax assets for 2024 and
2024 dan 2023 adalah sebagai berikut: 2023 are as follow:
Dikreditkan
(dibebankan) ke
laporan laba rugi
dan penghasilan
komprehensif lain/
Credited (charged)
Saldo per to statement of Saldo per
31 Desember Dikreditkan ke profit or loss and 31 Desember
2023/ ekuitas/ other 2024/
Balance as of Credited to comprehensive Balance as of
31 December 2023 equity income 31 December 2024
Aset tetap ( 4.854.118) 532.650 ( 810.217) ( 5.131.685) Fixed assets
Rugi fiskal - - 53.676.584 53.676.584 Fiscal loss
Cadangan kerugian Allowance for
penurunan nilai 6.415.056 - 168.959 6.584.015 impairment losses
Cadangan biaya - - 3.342.531 3.342.531 Accrued expenses
Perubahan nilai aset Changes in value of
keuangan ( 1.621.130) 2.340.764 - 719.634 financial assets
Aset tak berwujud ( 186.237) - ( 11.313) ( 197.550) Intangible assets
Aset hak guna 234.091 - 85.187 319.278 Right-of-use assets
Employee benefits
Liabilitas imbalan kerja 11.699.037 471.459 450.546 12.621.042 liabilities
Kredit modifikasian 5.939.461 - 7.095.301 13.034.762 Loans modification
Cadangan bonus 5.092.317 - 77.683 5.170.000 Bonus reserve
Jumlah 22.718.477 3.344.873 64.075.261 90.138.611 Total
Dikreditkan
(dibebankan) ke
laporan laba rugi
dan penghasilan
komprehensif lain/
Credited (charged)
Saldo per to statement of Saldo per
31 Desember Dikreditkan ke profit or loss and 31 Desember
2022/ ekuitas/ other 2023/
Balance as of Credited to comprehensive Balance as of
31 December 2022 equity income 31 December 2023
Aset tetap ( 1.258.860) ( 3.348.361) ( 246.897) ( 4.854.118) Fixed assets
Cadangan kerugian Allowance for
penurunan nilai 2.850.376 - 3.564.680 6.415.056 impairment losses
Perubahan nilai aset Changes in value of
keuangan 679.514 ( 2.300.644) - ( 1.621.130) financial assets
Aset tak berwujud ( 116.325) - ( 69.912) ( 186.237) Intangible assets
Aset hak guna 226.935 - 7.156 234.091 Right-of-use assets
Employee benefits
Liabilitas imbalan kerja 10.565.569 133.404 1.000.064 11.699.037 liabilities
Kredit modifikasian 1.219.546 - 4.719.915 5.939.461 Loans modification
Cadangan bonus 3.080.000 - 2.012.317 5.092.317 Bonus reserve
Jumlah 17.246.755 ( 5.515.601) 10.987.323 22.718.477 Total
Manajemen berpendapat bahwa aset pajak Management believes that deferred tax assets
tangguhan dapat dipulihkan seluruhnya. are fully realizable.
Page 563
These Financial Statements are Originally Issued
in Indonesian Language
Ekshibit E/71 Exhibit E/71
PT BANK MASPION INDONESIA TBK PT BANK MASPION INDONESIA TBK
CATATAN ATAS LAPORAN KEUANGAN NOTES TO FINANCIAL STATEMENTS
UNTUK TAHUN YANG BERAKHIR PADA FOR THE YEAR ENDED
31 DESEMBER 2024 31 DECEMBER 2024
(Disajikan dalam ribuan Rupiah, kecuali dinyatakan lain) (Expressed in thousands of Rupiah, unless otherwise stated)
22. LIABILITAS LAIN-LAIN 22. OTHER LIABILITIES
2024 2023
Jumlah nosional Jumlah nosional
mata uang asing/ mata uang asing/
Notional amount Notional amount
in foreign in foreign
currency (angka Ekuivalen/ currency (angka Ekuivalen/
penuh/ Equivalent penuh/ Equivalent
full amount) Rupiah full amount) Rupiah
Rupiah Rupiah
Imbalan kerja Employee benefits
(Catatan 38a) 52.764.806 53.177.441 (Note 38a)
Akrual bunga 44.876.965 36.069.381 Accrued interest
Liabilitas sewa 27.159.742 7.702.068 Lease liability
Cadangan kerugian Allowance for
penurunan nilai – impairment losses – off
rekening administratif 10.765.891 11.611.563 balance sheet
Pendapatan bunga Unearned interest
diterima di muka 8.437.055 5.825.664 income
Cadangan kesejahteraan Allowance for
karyawan 1.145.403 1.170.323 employee welfare
Setoran jaminan 644.860 651.860 Guarantee deposits
Liabilitas ATM Jalin 278.788 21.269.710 Liabilities to Jalin ATM
Lain-lain 66.266.175 51.784.124 Others
Sub-jumlah 212.339.685 189.262.134 Sub-total
Mata uang asing Foreign currency
Dolar Amerika Serikat United States Dollar
Pendapatan bunga
diterima Unearned interest
di muka 312.476 5.029.304 52.402 806.831 income
Akrual bunga 261.482 4.208.542 371.598 5.721.497 Accrued interest
Cadangan kerugian Allowance for
penurunan nilai – impairment losses – off
rekening administratif 66.844 1.075.860 32.129 494.694 balance sheet
Lain-lain - 59.990 923.666 Others
Sub-jumlah 10.313.706 7.946.688 Sub-total
Yuan China Chinese Yuan
Akrual bunga 6 14 - Accrued interest
Cadangan kerugian Allowance for
penurunan nilai – impairment losses – off
rekening administratif - 5.141 11.157 balance sheet
Sub-jumlah 14 11.157 Sub-total
Jumlah 222.653.405 197.219.979 Total
23. MODAL SAHAM 23. SHARE CAPITAL
a. Modal dasar a. Authorized capital
Berdasarkan Akta Berita Acara Rapat Umum Based on the Deed of Minutes of Extraordinary
Pemegang Saham Luar Biasa No. 37 tanggal General Meeting of Shareholders No. 37 dated
15 Juni 2023 yang dibuat oleh Notaris Anita 15 June 2023 made by Notary Anita
Anggawidjaja, S.H., pemegang saham setuju Anggawidjaja, S.H., the shareholder agreed to
untuk melakukan penambahan modal melalui aksi increase the capital through corporate action by
korporasi dengan memberikan HMETD III. granting Pre-emptive Rights III.
Page 564
These Financial Statements are Originally Issued
in Indonesian Language
Ekshibit E/72 Exhibit E/72
PT BANK MASPION INDONESIA TBK PT BANK MASPION INDONESIA TBK
CATATAN ATAS LAPORAN KEUANGAN NOTES TO FINANCIAL STATEMENTS
UNTUK TAHUN YANG BERAKHIR PADA FOR THE YEAR ENDED
31 DESEMBER 2024 31 DECEMBER 2024
(Disajikan dalam ribuan Rupiah, kecuali dinyatakan lain) (Expressed in thousands of Rupiah, unless otherwise stated)
23. MODAL SAHAM (Lanjutan) 23. SHARE CAPITAL (Continued)
a. Modal dasar (Lanjutan) a. Authorized capital (Continued)
Berdasarkan Akta Pernyataan Keputusan Rapat Based on the Deed of Statement of Resolutions
No. 106 tanggal 27 Juni 2023 yang dibuat oleh No. 106 dated 27 June 2023 of Anita
Notaris Anita Anggawidjaja, S.H., pemegang Anggawidjaja, S.H., the shareholders agreed to
saham setuju untuk meningkatkan modal dasar increase the authorized capital from
Bank dari Rp3.400.000.000 menjadi sebesar Rp3,400,000,000 to Rp7,200,000,000. This deed
Rp7.200.000.000. Akta ini telah mendapat was approved by the Ministry of Laws and Human
persetujuan dari Kementerian Hukum dan Rights of the Republic of Indonesia, in its decision
Hak Asasi Manusia Republik Indonesia letter No. AHU-0036570.AH.01.02
No. AHU-0036570.AH.01.02 Tahun 2023 tanggal Year 2023 dated 27 June 2023 and was
27 Juni 2023 dan didaftarkan dalam Daftar registered in the Company Register No. AHU-
Perseroan No. AHU-0120900.AH.01.11 Tahun 2023 0120900.AH.01.11 Year 2023 dated 27 June 2023.
tanggal 27 Juni 2023.
Pada tanggal 31 Desember 2024 dan 2023, modal As of 31 December 2024 and 2023, the authorized
dasar yang telah ditempatkan dan disetor oleh shares that have been issued and paid by the
pemegang saham adalah masing-masing sebesar shareholders amounted to Rp1,810,266,230,
Rp1.810.266.230. respectively.
b. Susunan pemegang saham b. Composition of shareholders
Susunan pemegang saham dan kepemilikannya The shareholders and their respective
pada tanggal 31 Desember 2024 dan 2023 adalah shareholdings as of 31 December 2024 and 2023
sebagai berikut: are as follows:
2024
Jumlah saham
ditempatkan dan
disetor penuh
(nilai penuh)/
Number of shares Persentase Jumlah nilai
issued and fully paid- kepemilikan/ saham/
up Percentage Total value of
Pemegang Saham (full amount) of ownership shares Shareholders
Kasikorn Vision Financial Kasikorn Vision Financial
Company PTE LTD 14.680.989.577 81,10% 1.468.098.958 Company PTE LTD
PT Alim Investindo 2.515.221.271 13,89% 251.522.127 PT Alim Investindo
Kasikornbank Public Kasikornbank Public
Company Limited 443.901.808 2,45% 44.390.181 Company Limited
PT Guna Investindo 260.675.000 1,44% 26.067.500 PT Guna Investindo
PT Kasikorn Vision Financial PT Kasikorn Vision Financial
Indonesia 181.026.624 1,00% 18.102.662 Indonesia
Alim Prakasa 2.769.071 0,02% 276.907 Alim Prakarsa
Endah Winarni 43.600 0,00% 4.360 Endah Winarni
Iis Herijati 4.600 0,00% 460 Iis Herijati
Masyarakat (kepemilikan Public (ownership below 5%,
masing-masing di bawah 5%) 18.030.753 0,10% 1.803.075 each)
Jumlah 18.102.662.304 100% 1.810.266.230 Total
Page 565
These Financial Statements are Originally Issued
in Indonesian Language
Ekshibit E/73 Exhibit E/73
PT BANK MASPION INDONESIA TBK PT BANK MASPION INDONESIA TBK
CATATAN ATAS LAPORAN KEUANGAN NOTES TO FINANCIAL STATEMENTS
UNTUK TAHUN YANG BERAKHIR PADA FOR THE YEAR ENDED
31 DESEMBER 2024 31 DECEMBER 2024
(Disajikan dalam ribuan Rupiah, kecuali dinyatakan lain) (Expressed in thousands of Rupiah, unless otherwise stated)
23. MODAL SAHAM (Lanjutan) 23. SHARE CAPITAL (Continued)
b. Susunan pemegang saham (Lanjutan) b. Composition of shareholders (Continued)
Susunan pemegang saham dan kepemilikannya The shareholders and their respective
pada tanggal 31 Desember 2024 dan 2023 adalah shareholdings as of 31 December 2024 and 2023
sebagai berikut: (Lanjutan) are as follows: (Continued)
2023
Jumlah saham
ditempatkan dan
disetor penuh
(lembar penuh)/
Number of shares Persentase Jumlah nilai
issued and fully paid- kepemilikan/ saham/
up Percentage Total value of
Pemegang Saham (full amount) of ownership shares Shareholders
Kasikorn Vision Financial Kasikorn Vision Financial
Company PTE LTD 14.680.989.577 81,10% 1.468.098.958 Company PTE LTD
PT Alim Investindo 2.515.221.271 13,89% 251.522.127 PT Alim Investindo
Kasikornbank Public Kasikornbank Public
Company Limited 443.901.808 2,45% 44.390.181 Company Limited
PT Guna Investindo 260.675.000 1,44% 26.067.500 PT Guna Investindo
PT Kasikorn Vision Financial PT Kasikorn Vision Financial
Indonesia 181.026.624 1,00% 18.102.662 Indonesia
Alim Prakasa 2.676.171 0,01% 267.617 Alim Prakarsa
Endah Winarni 43.600 0,00% 4.360 Endah Winarni
Iis Herijati 4.600 0,00% 460 Iis Herijati
Masyarakat (kepemilikan Public (ownership below 5%,
masing-masing di bawah 5%) 18.123.653 0,11% 1.812.365 each)
Jumlah 18.102.662.304 100% 1.810.266.230 Total
c. Penggunaan saldo laba c. Distribution of retained earnings
Berdasarkan keputusan Rapat Umum Pemegang Based on the decision of the Annual General
Saham Tahunan pada tanggal 14 Mei 2024, Meeting of Shareholders on 14 May 2024, as
sebagaimana tercantum dalam Akta Notaris stated in the Notary Deed
No. 38 tanggal 14 Mei 2024, yang dibuat oleh Mala No. 38 dated 14 May 2024, which was made by
Mukti, S.H., LL.M., para pemegang saham Mala Mukti, S.H., LL.M., the shareholders agreed
menyetujui penggunaan saldo laba bersih Bank to use the balance of the Bank's net profit for the
tahun buku yang berakhir pada tanggal financial year ending on 31 December 2023,
31 Desember 2023, yaitu sebesar Rp63.253.410 amounted to Rp63,253,410 which will be included
yang akan dimasukkan untuk menambah to add to general reserves amounted to
cadangan umum sebesar Rp3.000.000 dan sisanya Rp3,000,000 and the remainder will be recorded
akan dibukukan sebagai saldo laba untuk as retained earnings to increase the Bank's
menambah ekuitas Bank. equity.
Berdasarkan keputusan Rapat Umum Pemegang Based on the decision of the Annual General
Saham Tahunan pada tanggal 15 Juni 2023, Meeting of Shareholders on 15 June 2023, as
sebagaimana tercantum dalam Akta Notaris stated in the Notary Deed No. 36 dated
No. 36 tanggal 15 Juni 2023, yang dibuat oleh 15 June 2023, which was made by
Anita Anggawidjaja, S.H., para pemegang saham Anita Anggawidjaja, S.H., the shareholders
menyetujui penggunaan saldo laba bersih Bank agreed to use the balance of the Bank's net profit
tahun buku yang berakhir pada tanggal for the financial year ending on 31 December
31 Desember 2022, yaitu sebesar Rp114.940.964 2022, amounted to Rp114,940,964 which will be
yang akan dimasukkan untuk menambah included to add to general reserves and the
cadangan umum dan sisanya akan dibukukan remainder will be recorded as retained earnings
sebagai saldo laba untuk menambah ekuitas Bank. to increase the Bank's equity.
Page 566
These Financial Statements are Originally Issued
in Indonesian Language
Ekshibit E/74 Exhibit E/74
PT BANK MASPION INDONESIA TBK PT BANK MASPION INDONESIA TBK
CATATAN ATAS LAPORAN KEUANGAN NOTES TO FINANCIAL STATEMENTS
UNTUK TAHUN YANG BERAKHIR PADA FOR THE YEAR ENDED
31 DESEMBER 2024 31 DECEMBER 2024
(Disajikan dalam ribuan Rupiah, kecuali dinyatakan lain) (Expressed in thousands of Rupiah, unless otherwise stated)
23. MODAL SAHAM (Lanjutan) 23. SHARE CAPITAL (Continued)
c. Penggunaan saldo laba (Lanjutan) c. Distribution of retained earnings (Continued)
Per 31 Desember 2023, pembentukkan cadangan As of 31 December 2023, the formation of general
umum dan wajib adalah sebesar Rp3.000.000 and statutory reserves amounted to Rp3,000,000
berdasarkan Rapat Dewan Direksi pada tanggal based on the Board of Directors Meeting on
8 Juni 2023 yang telah disetujui oleh Dewan 8 June 2023 which was approved by the Board of
Komisaris pada tanggal 1 September 2023. Commissioners on 1 September 2023.
Pada tanggal 31 Desember 2024 dan 2023, tidak As of 31 December 2024 and 2023, there are no
terdapat pembagian laba neto. distribute net income.
d. Cadangan umum dan wajib d. General and legal reserves
Cadangan umum dan wajib pada awalnya The general and legal reserves were originally
dibentuk dalam rangka memenuhi ketentuan provided in accordance with Indonesian Limited
Pasal 61 ayat (1) Undang-undang No. 1/1995 Liability Company Law No. 1/1995 article 61
mengenai Perseroan Terbatas (kemudian diganti paragraph (1) (later superseded by Limited
dengan Undang-undang Perseroan Terbatas Liability Company Law No. 40/2007), which
No. 40/2007), yang mengharuskan perusahaan requires Indonesian companies to set up a
Indonesia untuk membuat penyisihan cadangan general and legal reserve amounted to at least
umum dan wajib sebesar sekurang-kurangnya 20% 20% of the issued and paid-up share capital. This
dari jumlah modal yang ditempatkan dan disetor particular law does not regulate the period of
penuh. Undang-undang tersebut tidak mengatur time in relation to the provision of such reserves.
jangka waktu untuk pembentukan penyisihan
tersebut.
24. TAMBAHAN MODAL DISETOR, BERSIH 24. ADDITIONAL PAID-IN CAPITAL, NET
Perubahan tambahan modal disetor 31 Desember The movement in additional paid-in capital as of
2024 dan 2023 sebagai berikut: 31 December 2024 and 2023 are as follows:
Jumlah/
Amount
Tambahan modal disetor akibat Penawaran Additional paid-in capital due to Intial Public
Umum Perdana Saham pada tahun 2013 169.400.000 Offering in 2013
Biaya emisi saham ( 10.722.143) Share issuance cost
Sub-jumlah 158.677.857 Sub-total
Tambahan modal disetor akibat Penawaran Additional paid-in capital due to
Umum Terbatas I pada tahun 2017 (Catatan 1c) 142.190.769 Limited Public Offering I in 2017 (Note 1c)
Biaya emisi saham ( 3.938.608) Share issuance cost
Sub-jumlah 138.252.161 Sub-total
Tambahan modal disetor akibat Penawaran Additional paid-in capital due to
Umum Terbatas II pada tahun 2022 (Catatan 1c) 1.294.824.692 Limited Public Offering II in 2022 (Note 1c)
Biaya emisi saham ( 5.002.287) Share issuance cost
Sub-jumlah 1.289.822.405 Sub-total
Tambahan modal disetor akibat Penawaran
Umum Terbatas III pada tahun 2023 (Catatan Additional paid-in capital due to
1c) 2.560.233.669 Limited Public Offering III in 2023 (Note 1c)
Biaya emisi saham ( 6.143.123) Share issuance cost
Sub-jumlah 2.554.090.546 Sub-total
Tambahan modal disetor, bersih 4.140.842.969 Additional paid-in capital, net
Page 567
These Financial Statements are Originally Issued
in Indonesian Language
Ekshibit E/75 Exhibit E/75
PT BANK MASPION INDONESIA TBK PT BANK MASPION INDONESIA TBK
CATATAN ATAS LAPORAN KEUANGAN NOTES TO FINANCIAL STATEMENTS
UNTUK TAHUN YANG BERAKHIR PADA FOR THE YEAR ENDED
31 DESEMBER 2024 31 DECEMBER 2024
(Disajikan dalam ribuan Rupiah, kecuali dinyatakan lain) (Expressed in thousands of Rupiah, unless otherwise stated)
25. KOMITMEN DAN KONTINJENSI 25. COMMITMENTS AND CONTINGENCIES
Bank memiliki tagihan dan liabilitas komitmen dan The Bank has receivables and liabilities involving
kontinjensi dengan rincian sebagai berikut: commitments and contingencies as follows:
2024 2023
Jumlah nosional Jumlah nosional
mata uang asing/ mata uang asing/
Notional amount in Notional amount in
foreign currency Ekuivalen/ foreign currency Ekuivalen/
(angka penuh/ Equivalent (angka penuh/ Equivalent
full amount) Rupiah full amount) Rupiah
KOMITMEN COMMITMENTS
Tagihan komitmen Commitment receivables
Rupiah Rupiah
Outstanding bills not yet
Inkaso yang belum terselesaikan 817.914 4.874.521 cleared
Jumlah tagihan komitmen 817.914 4.874.521 Total commitment receivables
Liabilitas komitmen Commitment liabilities
Rupiah Rupiah
Fasilitas kredit kepada debitur
yang belum digunakan 2.413.494.023 2.971.401.572 Unused loan facilities
L/C yang tidak dapat dibatalkan Outstanding irrevocable
yang masih berjalan 8.713.163 1.737.261 letters of credit
Outstanding bills not yet
Inkaso yang belum terselesaikan 817.914 3.791.324 cleared
Sub-jumlah 2.423.025.100 2.976.930.157 Sub-total
Mata uang asing Foreign currency
Dolar Amerika Serikat United States Dollar
Fasilitas kredit kepada debitur
yang belum digunakan 13.146.429 211.591.768 17.929.307 276.057.535 Unused loan facilities
L/C yang tidak dapat dibatalkan Outstanding irrevocable
yang masih berjalan 15.625 251.484 328.920 5.064.381 letters of credit
Sub-jumlah 211.843.252 281.121.916 Sub-total
Yuan China Chinese Yuan
L/C yang tidak dapat dibatalkan Outstanding irrevocable
yang masih berjalan - 118.800 257.803 letters of credit
Sub-jumlah - 257.803 Sub-total
Jumlah liabilitas komitmen 2.634.868.352 3.258.309.876 Total commitment liabilities
Jumlah liabilitas komitmen, Total commitment
bersih 2.634.050.438 3.253.435.355 liabilities, net
KONTINJENSI CONTINGENCIES
Tagihan kontinjensi Contingent receivables
Rupiah Rupiah
Pendapatan bunga dalam Interest income on non
penyelesaian 31.147.015 26.982.362 performing assets
Liabilitas kontinjensi Contingent liabilities
Rupiah Rupiah
Bank garansi yang diberikan dalam Bank guarantees issued in
bentuk: the form of:
Transaksi perdagangan dalam
negeri 35.429.904 24.656.906 Custom bonds
Performance bonds 2.630.821 16.996.888 Performance bonds
Advance payment bonds 37.555.303 76.060.000 Advance payment bonds
Bid bonds 1.250.000 11.000.000 Bid bonds
Sub-jumlah 76.866.028 128.713.794 Sub-total
Mata uang asing Foreign currency
Dolar Amerika Serikat United States Dollar
Bank garansi yang diberikan dalam Bank guarantees issued in
bentuk: the form of:
Performance bonds 169.000 2.720.055 169.000 2.602.093 Performance bonds
Sub-jumlah 2.720.055 2.602.093 Sub-total
Jumlah liabilitas kontinjensi 79.586.083 131.315.887 Total contingent liabilities
Jumlah liabilitas kontinjensi, Total contingent liabilities,
bersih 48.439.068 104.333.525 net
Jumlah liabilitas komitmen dan Total commitment and
kontinjensi, bersih 2.682.489.506 3.357.768.880 contingent liabilities,net
Page 568
These Financial Statements are Originally Issued
in Indonesian Language
Ekshibit E/76 Exhibit E/76
PT BANK MASPION INDONESIA TBK PT BANK MASPION INDONESIA TBK
CATATAN ATAS LAPORAN KEUANGAN NOTES TO FINANCIAL STATEMENTS
UNTUK TAHUN YANG BERAKHIR PADA FOR THE YEAR ENDED
31 DESEMBER 2024 31 DECEMBER 2024
(Disajikan dalam ribuan Rupiah, kecuali dinyatakan lain) (Expressed in thousands of Rupiah, unless otherwise stated)
25. KOMITMEN DAN KONTINJENSI (Lanjutan) 25. COMMITMENTS AND CONTINGENCIES (Continued)
Saldo komitmen dan kontinjensi berdasarkan pihak Outstanding commitments and contingencies based
berelasi dan pihak ketiga: on related parties and third parties:
2024 2023
Pihak berelasi Related parties
KOMITMEN COMMITMENTS
Tagihan komitmen Commitment receivables
Inkaso yang belum terselesaikan - 1.083.197 Outstanding bills not yet cleared
Liabilitas komitmen Commitment liabilities
Fasilitas kredit kepada debitur yang
belum digunakan 3.000.000 6.057.157 Unused loan facilities
L/C yang tidak dapat dibatalkan yang Outstanding irrevocable
masih berjalan 251.484 257.803 letter of credit
Jumlah liabilitas komitmen, bersih Total commitment liabilities, net
pihak berelasi (Catatan 33) 3.251.484 5.231.763 related parties (Note 33)
KONTINJENSI CONTINGENCIES
Liabilitas kontinjensi Contingent liabilities
Bank garansi yang diberikan 2.720.055 2.602.093 Bank guarantees issued
Jumlah liabilitas kontinjensi, bersih Total contingent liabilities, net
pihak berelasi (Catatan 33) 2.720.055 2.602.093 related parties (Note 33)
Total commitments and
Jumlah liabilitas komitmen dan contingent liabilities to
kontinjensi pihak berelasi, bersih 5.971.539 7.833.856 related parties, net
Pihak ketiga Third parties
KOMITMEN COMMITMENTS
Tagihan komitmen Commitment receivables
Inkaso yang belum terselesaikan 817.914 3.791.324 Outstanding bills not yet cleared
Jumlah tagihan komitmen - pihak Total commitment receivables -
ketiga 817.914 3.791.324 third parties
Liabilitas komitmen Commitment liabilities
Fasilitas kredit kepada debitur yang
belum digunakan 2.622.085.791 3.241.401.950 Unused loan facilities
L/C yang tidak dapat dibatalkan yang Outstanding irrevocable
masih berjalan 8.713.163 6.801.642 letter of credit
Inkaso yang belum terselesaikan 817.914 3.791.324 Outstanding bills not yet cleared
Jumlah liabilitas komitmen - pihak Total commitment liabilities -
ketiga 2.631.616.868 3.251.994.916 third parties
Jumlah liabilitas komitmen pihak Total commitment liabilities third
ketiga, bersih 2.630.798.954 3.248.203.592 parties, net
KONTINJENSI CONTINGENCIES
Tagihan kontinjensi Contingent receivables
Pendapatan bunga dalam Interest income on
penyelesaian 31.147.015 26.982.362 non-performing assets
Liabilitas kontinjensi Contingent liabilities
Bank garansi yang diberikan 76.866.028 128.713.794 Bank guarantees issued
Jumlah liabilitas kontinjensi, bersih Total contingent liabilities, net
pihak ketiga 45.719.013 101.731.432 third parties
Jumlah liabilitas komitmen dan Total commitments and contingent
kontinjensi pihak ketiga, bersih 2.676.517.967 3.349.935.024 Liabilities third parties, net
Jumlah liabilitas komitmen dan Total commitments and
kontinjensi pihak berelasi dan pihak contingent liabilities to related
ketiga, bersih 2.682.489.506 3.357.768.880 parties and third parties, net
Cadangan kerugian penurunan nilai yang dibentuk The allowance for impairment losses established on
pada tanggal 31 Desember 2024 dan 2023 masing- 31 December 2024 and 2023 amounting to
masing sebesar Rp11.841.751 dan Rp12.117.414. Rp11,841,751 and Rp12,117,414, respectively.
Manajemen berpendapat bahwa cadangan kerugian Management believes that allowance for impairment
penurunan nilai yang dibentuk telah memadai. losses is adequate.
Page 569
These Financial Statements are Originally Issued
in Indonesian Language
Ekshibit E/77 Exhibit E/77
PT BANK MASPION INDONESIA TBK PT BANK MASPION INDONESIA TBK
CATATAN ATAS LAPORAN KEUANGAN NOTES TO FINANCIAL STATEMENTS
UNTUK TAHUN YANG BERAKHIR PADA FOR THE YEAR ENDED
31 DESEMBER 2024 31 DECEMBER 2024
(Disajikan dalam ribuan Rupiah, kecuali dinyatakan lain) (Expressed in thousands of Rupiah, unless otherwise stated)
26. PENDAPATAN BUNGA 26. INTEREST INCOME
2024 2023
Kredit yang diberikan 1.163.429.823 881.297.438 Loans
Efek-efek 269.666.484 214.320.589 Marketable securities
Penempatan pada bank lain 27.759.207 51.575.961 Placements with other banks
Penempatan pada Bank Indonesia 13.620.527 33.052.539 Placements with Bank Indonesia
Lain-lain 39.089.054 23.048.065 Others
Jumlah 1.513.565.095 1.203.294.592 Total
27. BEBAN BUNGA 27. INTEREST EXPENSE
2024 2023
Deposito berjangka 584.785.466 560.519.472 Time deposits
Simpanan dari bank lain 122.451.367 49.251.269 Deposit from other banks
Giro 53.142.846 26.809.066 Current accounts
Premi penjaminan Pemerintah Government guarantees premiums
(Catatan 41) 29.683.616 23.513.187 (Note 41)
Tabungan 11.037.466 11.445.738 Savings accounts
Lain-lain - 70 Others
Jumlah 801.100.761 671.538.802 Total
28. PENDAPATAN (BEBAN) OPERASIONAL LAINNYA 28. OTHER OPERATING INCOME (EXPENSES)
Pendapatan operasional lainnya terdiri dari Other operating income consist of penalties and
pendapatan denda dan administrasi, provisi dan administration, fees and commissions from other
komisi dari selain kredit, dan lain-lain. than loans, and other incomes.
Beban operasional lainnya terdiri dari gaji dan Other operating expenses consist of salaries and
tunjangan (Catatan 29), umum dan administrasi allowances (Note 29), general and administrative
(Catatan 30), dan penyisihan kerugian penurunan (Note 30), and provision for impairment losses.
nilai.
Pendapatan denda dan administrasi pada tahun 2024 Penalties and administration income for 2024 and
dan 2023 masing-masing sebesar Rp38.779.159 dan 2023 amounted to Rp38,779,159 and Rp40,525,719,
Rp40.525.719 sebagian besar terdiri dari denda respectively, mostly consist of loan penalty,
kredit, administrasi nasabah, administrasi kredit, dan customer administration, loan administration, and
administrasi ekspor impor. export-import administration.
Provisi dan komisi dari selain kredit pada tahun 2024 Fees and commissions from other than loans for 2024
dan 2023, masing-masing sebesar Rp1.632.422 dan and 2023, amounted to Rp1,632,422 and
Rp1.525.280 sebagian besar terdiri dari komisi Rp1,525,280, respectively, mostly consist of
asuransi, komisi pajak, provisi bank garansi, dan insurance commission, tax commission, bank
provisi transaksi perdagangan. guarantee provision, and trade transaction
provision.
Pendapatan lain-lain pada pada tahun 2024 dan 2023, Other incomes for 2024 and 2023, amounted to
masing-masing sebesar Rp18.445.276 dan Rp18,445,276 and Rp9,198,184, respectively, mostly
Rp9.198.184 sebagian besar terdiri dari pendapatan consist of transfer fee income, Automated Teller
ongkos transfer, pendapatan transaksi Anjungan Machine (ATM) transaction income and other
Tunai Mandiri (ATM) dan pendapatan operasional lain operational incomes due to Bank’s activity.
karena kegiatan Bank.
Page 570
These Financial Statements are Originally Issued
in Indonesian Language
Ekshibit E/78 Exhibit E/78
PT BANK MASPION INDONESIA TBK PT BANK MASPION INDONESIA TBK
CATATAN ATAS LAPORAN KEUANGAN NOTES TO FINANCIAL STATEMENTS
UNTUK TAHUN YANG BERAKHIR PADA FOR THE YEAR ENDED
31 DESEMBER 2024 31 DECEMBER 2024
(Disajikan dalam ribuan Rupiah, kecuali dinyatakan lain) (Expressed in thousands of Rupiah, unless otherwise stated)
28. PENDAPATAN (BEBAN) OPERASIONAL LAINNYA 28. OTHER OPERATING INCOME (EXPENSES)
(Lanjutan) (Continued)
Penyisihan kerugian penurunan nilai pada tahun Provision for impairment losses for 2024 and 2023,
2024 dan 2023, masing-masing sebesar amounted to Rp380,370,854 and Rp100,793,907,
Rp380.370.854 dan Rp100.793.907 sebagian besar respectively, mostly consist of provision for
terdiri dari penyisihan kerugian kredit, penyisihan impairment losses on loan, provision for impairment
kerugian agunan yang diambil alih, properti losses on foreclosed assets, abandoned property,
terbengkalai, rekening administratif, giro dan administrative account, current accounts and
penempatan pada bank lain. placements with other banks.
29. GAJI DAN TUNJANGAN 29. SALARIES AND ALLOWANCES
Gaji dan tunjangan termasuk gaji dan kompensasi Salaries and allowances include salaries and other
lainnya yang dibayarkan kepada Dewan Direksi, compensation for the Board of Directors, Board of
Dewan Komisaris dan manajemen kunci lainnya Commissioners and other key management
(Catatan 33). (Note 33).
2024 2023
Gaji, upah dan imbalan kerja Salaries, wages and employee
(Catatan 38) 185.619.033 137.202.622 benefits (Note 38)
Tunjangan lainnya 68.222.957 53.086.061 Others allowance
Asuransi 13.526.332 9.001.055 Insurance
Tunjangan Hari Raya 12.037.023 8.805.133 Holiday allowance
Jumlah 279.405.345 208.094.871 Total
30. BEBAN UMUM DAN ADMINISTRASI 30. GENERAL AND ADMINISTRATIVE EXPENSES
2024 2023
Biaya kerugian modifikasi kredit 53.910.931 27.987.200 Modified credit loss expense
Pengawasan, pemeriksaan dan Supervision, audit and
jasa profesional 39.173.249 14.356.712 professional fees
Outsourcing 29.720.929 25.034.641 Outsourcing
Biaya transaksi ATM 19.059.479 20.311.218 Transaction fee of ATM
Iklan dan promosi 18.433.734 8.269.519 Advertising and promotion
Kerugian penjualan agunan yang
diambil alih 16.855.622 453.166 Loss from sales of foreclosed assets
Penyusutan (Catatan 14) 14.684.029 9.942.460 Depreciation (Note 14)
Pemeliharaan dan perbaikan 14.260.177 6.858.642 Maintenance and service
Piranti lunak 12.169.904 8.994.098 Software
Keperluan kantor dan barang cetakan 10.410.400 12.912.576 Office supplies and printed materials
Sewa 10.039.931 5.822.558 Rental
Penyusutan aset hak guna 9.164.421 3.919.605 Depreciation of right-of-use assets
Pendidikan 7.624.701 3.824.514 Education
Keamanan 7.439.018 9.319.702 Security
Listrik, air dan gas 4.264.270 3.636.117 Electricity, water and gas
Biaya barang jaminan dikuasai 4.128.667 5.656.327 Cost of foreclosed collateral
Telepon dan faksimili 2.398.844 1.706.575 Telephone and facsimile
Bunga atas liabilitas sewa 2.296.072 788.375 Interest on lease liability
Bahan bakar 2.006.992 2.265.379 Fuel
Amortisasi aset tak berwujud Amortization of intangible assets
(Catatan 15) 1.839.651 1.821.765 (Note 15)
Asuransi 1.075.026 1.270.723 Insurance
Administrasi 436.130 518.726 Administration
Lain-lain 147.298.094 14.305.472 Others
Jumlah 428.690.271 189.976.070 Total
Beban lain-lain pada tahun 2024 sebagian besar Other expenses in 2024 mostly came from internal
berasal dari peristiwa malfungsi malfunction events (Note 42).
internal (Catatan 42).
Page 571
These Financial Statements are Originally Issued
in Indonesian Language
Ekshibit E/79 Exhibit E/79
PT BANK MASPION INDONESIA TBK PT BANK MASPION INDONESIA TBK
CATATAN ATAS LAPORAN KEUANGAN NOTES TO FINANCIAL STATEMENTS
UNTUK TAHUN YANG BERAKHIR PADA FOR THE YEAR ENDED
31 DESEMBER 2024 31 DECEMBER 2024
(Disajikan dalam ribuan Rupiah, kecuali dinyatakan lain) (Expressed in thousands of Rupiah, unless otherwise stated)
30. BEBAN UMUM DAN ADMINISTRASI (Lanjutan) 30. GENERAL AND ADMINISTRATIVE EXPENSES
(Continued)
Beban umum dan administrasi termasuk honorarium General and administrative expenses include
yang dibayarkan kepada Komite Audit masing-masing honorarium for Audit Committee amounting to
sebesar Rp248.205 dan Rp147.692 untuk tahun yang Rp248,205 and Rp147,692 for the years ended
berakhir pada tanggal 31 Desember 2024 dan 2023. 31 December 2024 and 2023, respectively.
31. PENDAPATAN (BEBAN) NON-OPERASIONAL, BERSIH 31. NON-OPERATING INCOME (EXPENSE), NET
2024 2023
Pendapatan non-operasional Non-operating income
Laba penjualan aset tetap, bersih Gain on sale of fixed assets, net
(Catatan 14) 6.687.747 71.990 (Note 14)
Lain-lain 221.859 413.848 Others
Jumlah pendapatan non-operasional 6.909.606 485.838 Total non-operating income
Beban non-operasional Non-operating expenses
Denda-denda 257.057 3.226 Penalty
Lain-lain 794.101 798.851 Others
Jumlah beban non-operasional 1.051.158 802.077 Total non-operating expenses
Jumlah pendapatan (beban) non- Total non-operating income (expense),
operasional, bersih 5.858.448 ( 316.239) net
32. LABA (RUGI) PER SAHAM DASAR 32. BASIC EARNINGS (LOSS) PER SHARE
Berikut merupakan data laba dan saham yang The following reflects the income and shares data
digunakan dalam perhitungan laba per saham dasar: used in the basic earnings per share computations:
2024 2023
Laba (rugi) tahun berjalan ( 247.211.570) 63.253.410 Income (loss) for the year ended
Rata-rata tertimbang jumlah saham Weighted average number of
beredar untuk perhitungan laba per shares for calculation of basic
saham dasar (lembar saham penuh): earnings per share (in full shares):
Saldo awal 18.102.662.304 8.620.315.383 Beginning balance
Penambahan modal dengan hak Capital increase with
memesan efek terlebih dahulu III - 9.482.346.921 Pre-emptive Rights III
Jumlah 18.102.662.304 18.102.662.304 Total
Rata-rata tertimbang jumlah saham Weighted average number of shares
(lembar saham penuh) 18.102.662.304 9.410.510.960 (in full shares)
Laba (rugi) per saham dasar Basic earnings (loss) per share
(dalam Rupiah penuh) ( 13,66) 6,72 (in full Rupiah)
Bank tidak memiliki efek yang bersifat dilusian per The Bank has no diluted securities as of
tanggal 31 Desember 2024 dan 2023. 31 December 2024 and 2023.
Page 572
These Financial Statements are Originally Issued
in Indonesian Language
Ekshibit E/80 Exhibit E/80
PT BANK MASPION INDONESIA TBK PT BANK MASPION INDONESIA TBK
CATATAN ATAS LAPORAN KEUANGAN NOTES TO FINANCIAL STATEMENTS
UNTUK TAHUN YANG BERAKHIR PADA FOR THE YEAR ENDED
31 DESEMBER 2024 31 DECEMBER 2024
(Disajikan dalam ribuan Rupiah, kecuali dinyatakan lain) (Expressed in thousands of Rupiah, unless otherwise stated)
33. TRANSAKSI DENGAN PIHAK BERELASI 33. TRANSACTION WITH RELATED PARTIES
Dalam kegiatan normal usaha, Bank melakukan In the normal course of business, the Bank enters
transaksi dengan pihak berelasi karena hubungan into certain transactions with parties which are
kepemilikan dan/atau kepengurusan. Semua related to the management and/or owned by the
transaksi dengan pihak-pihak berelasi telah dilakukan same ultimate shareholder. All transactions with
dengan kebijakan dan syarat yang telah disepakati related parties have been entered into with the
dengan pihak berelasi yang belum tentu sama dengan agreed terms and conditions between parties which
kebijakan dan syarat dengan pihak ketiga. may not be the same with the terms and conditions
with third parties.
Jenis hubungan dan unsur transaksi pihak berelasi Type of relationships and related parties
pada tanggal 31 Desember 2024 dan 2023: transactions as of 31 December 2024 and 2023:
Pihak berelasi/ Jenis hubungan/ Unsur transaksi pihak berelasi/
Related parties Types of relationship Related party transactions
Manajemen Kunci/Key Management Komisaris, Direktur, Chief/Deputi Direktur, Pemimpin Penempatan dana/Fund placement
Divisi, Pemimpin Bisnis, Pemimpin Bisnis Support, dan
keluarganya/Commissioners, Directors, Chief/Deputy
Directors, Heads of Divisions, Heads of Business and
Heads of Business Support and their family members
PT Alim Investindo Pemegang saham Bank/The Bank's shareholder Penempatan dana/Fund placement
PT Guna Investindo Pemegang saham Bank/The Bank's shareholder Penempatan dana/Fund placement
PT Kasikorn Vision Financial Indonesia Pemegang saham Bank/The Bank's shareholder Penempatan dana/Fund placement
Kasikorn Vision Financial Company Pemegang saham Bank/The Bank's shareholder Penempatan dana/Fund placement
PTE LTD
Kasikornbank Public Company Limited Pemegang saham Bank/The Bank's shareholder Giro pada bank lain/Current account with
other bank
Penempatan dana/Fund placement
Simpanan dari bank lain/Deposit from other
bank
Jasa konsultasi/Consultation fee
Bank garansi yang diberikan/Bank
guarantees issued
Alim Prakasa Pemegang saham Bank/The Bank's shareholder Penempatan dana/Fund placement
Alim Markus Keterkaitan dengan pemegang saham/ Penempatan dana/Fund placement
Related with shareholder
Alim Mulia Sastra Keterkaitan dengan pemegang saham/ Penempatan dana/Fund placement
Related with shareholder
Alim Puspita Keterkaitan dengan pemegang saham/ Penempatan dana/Fund placement
Related with shareholder
Gunardi Go Keterkaitan dengan pemegang saham/ Penempatan dana/Fund placement
Related with shareholder
Kasikorn Vision Company LTD Grup pemegang saham/Group's shareholder Penempatan dana/Fund placement
Kasikorn Soft Company Limited Grup pemegang saham/Group's shareholder Jasa konsultasi TI/IT consultation fee
Kasikorn Infra Company Limited Grup pemegang saham/Group's shareholder Jasa konsultasi TI/IT consultation fee
Kasikorn Technology Group Grup pemegang saham/Group's shareholder Jasa konsultasi TI/IT consultation fee
Secretariat Company Limited
PT Alaskair Maspion (I) Grup pemegang saham/Group's shareholder Penempatan dana/Fund placement
PT Alumindo Industrial Estate Grup pemegang saham/Group's shareholder Penempatan dana/Fund placement
PT Alumindo Light Metal Industry Tbk Grup pemegang saham/Group's shareholder Penempatan dana/Fund placement
Inkaso yang belum terselesaikan/Outstanding
bills not yet cleared
PT Anekakabel Ciptaguna Grup pemegang saham/Group's shareholder Penempatan dana/Fund placement
PT Anugerah Investindo Grup pemegang saham/Group's shareholder Penempatan dana/Fund placement
PT Bintang Osowilangon Grup pemegang saham/Group's shareholder Penempatan dana/Fund placement
PT Bumi Maspion Grup pemegang saham/Group's shareholder Penempatan dana/Fund placement
Sewa menyewa/Lease
PT Citra Maspion Contractor Grup pemegang saham/Group's shareholder Penempatan dana/Fund placement
Sewa menyewa/Lease
PT Dovechem Maspion Terminal Grup pemegang saham/Group's shareholder Penempatan dana/Fund placement
PT Heisei Stainless Steel Ind Grup pemegang saham/Group's shareholder Penempatan dana/Fund placement
PT Husin Investama Grup pemegang saham/Group's shareholder Penempatan dana/Fund placement
PT Indal Aluminium Industry Tbk Grup pemegang saham/Group's shareholder Penempatan dana/Fund placement
PT Indal Investindo Grup pemegang saham/Group's shareholder Penempatan dana/Fund placement
PT Indal Reiwa Auto Grup pemegang saham/Group's shareholder Penempatan dana/Fund placement
PT Indal Steel Pipe Grup pemegang saham/Group's shareholder Penempatan dana/Fund placement
PT Indalex Grup pemegang saham/Group's shareholder Penempatan dana/Fund placement
PT Ishizuka Maspion Indonesia Grup pemegang saham/Group's shareholder Penempatan dana/Fund placement
PT Kawasan Industri Sidoarjo Grup pemegang saham/Group's shareholder Penempatan dana/Fund placement
Page 573
These Financial Statements are Originally Issued
in Indonesian Language
Ekshibit E/81 Exhibit E/81
PT BANK MASPION INDONESIA TBK PT BANK MASPION INDONESIA TBK
CATATAN ATAS LAPORAN KEUANGAN NOTES TO FINANCIAL STATEMENTS
UNTUK TAHUN YANG BERAKHIR PADA FOR THE YEAR ENDED
31 DESEMBER 2024 31 DECEMBER 2024
(Disajikan dalam ribuan Rupiah, kecuali dinyatakan lain) (Expressed in thousands of Rupiah, unless otherwise stated)
33. TRANSAKSI DENGAN PIHAK BERELASI (Lanjutan) 33. TRANSACTION WITH RELATED PARTIES (Continued)
Jenis hubungan dan unsur transaksi pihak berelasi Type of relationships and related parties
pada tanggal 31 Desember 2024 dan 2023: transactions as of 31 December 2024 and 2023:
(Lanjutan) (Continued)
Pihak berelasi/ Jenis hubungan/ Unsur transaksi pihak berelasi/
Related parties Types of relationship Related party transactions
PT Marindo Gemilang Grup pemegang saham/Group's shareholder Penempatan dana/Fund placement
PT Marindo Investama Grup pemegang saham/Group's shareholder Penempatan dana/Fund placement
Sewa menyewa/Lease
PT Marindo Permata Investindo Grup pemegang saham/Group's shareholder Penempatan dana/Fund placement
PT Marindo Surya Grup pemegang saham/Group's shareholder Penempatan dana/Fund placement
PT Maspion Grup pemegang saham/Group's shareholder Penempatan dana/Fund placement
Kredit yang diberikan/Loans
Sewa menyewa/Lease
Letter of credit
Inkaso yang belum terselesaikan/Outstanding
bills not yet cleared
PT Maspion Bazar Grup pemegang saham/Group's shareholder Penempatan dana/Fund placement
PT Maspion Elektronik Grup pemegang saham/Group's shareholder Penempatan dana/Fund placement
PT Maspion Energy Mitratama Grup pemegang saham/Group's shareholder Penempatan dana/Fund placement
PT Maspion Industrial Estate Grup pemegang saham/Group's shareholder Penempatan dana/Fund placement
PT Maspion Investindo Grup pemegang saham/Group's shareholder Penempatan dana/Fund placement
PT Maspion Kencana Grup pemegang saham/Group's shareholder Penempatan dana/Fund placement
PT Maspion Q.Q. Heisei Grup pemegang saham/Group's shareholder Penempatan dana/Fund placement
PT Maspion Q.Q. Ishizuka Grup pemegang saham/Group's shareholder Penempatan dana/Fund placement
PT Maspion Q.Q. Maspion Square Grup pemegang saham/Group's shareholder Penempatan dana/Fund placement
Sewa menyewa/Lease
PT Maspion Q.Q. Smoci Grup pemegang saham/Group's shareholder Penempatan dana/Fund placement
PT Maspion Q.Q. SMTPI Grup pemegang saham/Group's shareholder Penempatan dana/Fund placement
PT Maspion Q.Q. Srithai Grup pemegang saham/Group's shareholder Penempatan dana/Fund placement
PT Maspion Trading Grup pemegang saham/Group's shareholder Penempatan dana/Fund placement
PT Maspion Transsindo Grup pemegang saham/Group's shareholder Penempatan dana/Fund placement
PT Maxim Housewares Indonesia Grup pemegang saham/Group's shareholder Penempatan dana/Fund placement
PT Maxim Maspion Grup pemegang saham/Group's shareholder Penempatan dana/Fund placement
PT Mulindo Investama Grup pemegang saham/Group's shareholder Penempatan dana/Fund placement
PT Multi Entertainment Xenter Grup pemegang saham/Group's shareholder Penempatan dana/Fund placement
PT Piaget Jatim Pratama Grup pemegang saham/Group's shareholder Penempatan dana/Fund placement
PT Prakindo Investama Grup pemegang saham/Group's shareholder Penempatan dana/Fund placement
PT Qingda Maspion Paper Products Grup pemegang saham/Group's shareholder Penempatan dana/Fund placement
PT Satria Investindo Grup pemegang saham/Group's shareholder Penempatan dana/Fund placement
PT Shanghai Maspion Oleo Chemical Grup pemegang saham/Group's shareholder Penempatan dana/Fund placement
Industry
PT Shanghai Maspion Toothpaste Grup pemegang saham/Group's shareholder Penempatan dana/Fund placement
Industry
PT Siam Maspion Terminal Grup pemegang saham/Group's shareholder Penempatan dana/Fund placement
PT Srithai Maspion Indonesia Grup pemegang saham/Group's shareholder Penempatan dana/Fund placement
Kredit yang diberikan/Loans
PT Trisulapack Indah Grup pemegang saham/Group's shareholder Penempatan dana/Fund placement
Singapore Piaget Academy Grup pemegang saham/Group's shareholder Penempatan dana/Fund placement
Alim Satria Keluarga pemegang saham/Family member of Penempatan dana/Fund placement
shareholder
Budi Santoso Gunardi Keluarga pemegang saham/Family member of Penempatan dana/Fund placement
shareholder
Budiono Kodradjaya Keluarga pemegang saham/Family member of Penempatan dana/Fund placement
shareholder
Daniel Kodradjaja Keluarga pemegang saham/Family member of Penempatan dana/Fund placement
shareholder
Diana Alim Keluarga pemegang saham/Family member of Penempatan dana/Fund placement
shareholder
Foni Alim Keluarga pemegang saham/Family member of Penempatan dana/Fund placement
shareholder
Jimmy Kodradjaja Keluarga pemegang saham/Family member of Penempatan dana/Fund placement
shareholder
Maria Alim Keluarga pemegang saham/Family member of Penempatan dana/Fund placement
shareholder
Silvy Kodradjaja Keluarga pemegang saham/Family member of Penempatan dana/Fund placement
shareholder
Srijanti Keluarga pemegang saham/Family member of Penempatan dana/Fund placement
shareholder
Yuwono Alim Keluarga pemegang saham/Family member of Penempatan dana/Fund placement
shareholder
Page 574
These Financial Statements are Originally Issued
in Indonesian Language
Ekshibit E/82 Exhibit E/82
PT BANK MASPION INDONESIA TBK PT BANK MASPION INDONESIA TBK
CATATAN ATAS LAPORAN KEUANGAN NOTES TO FINANCIAL STATEMENTS
UNTUK TAHUN YANG BERAKHIR PADA FOR THE YEAR ENDED
31 DESEMBER 2024 31 DECEMBER 2024
(Disajikan dalam ribuan Rupiah, kecuali dinyatakan lain) (Expressed in thousands of Rupiah, unless otherwise stated)
33. TRANSAKSI DENGAN PIHAK BERELASI (Lanjutan) 33. TRANSACTION WITH RELATED PARTIES (Continued)
Saldo giro pada bank lain, tagihan akseptasi, kredit The outstanding balances of current accounts with
yang diberikan, dan simpanan dari nasabah dan bank other banks, acceptance receivables, loans, and
lain pihak berelasi adalah sebagai berikut: deposits from customers and other banks related
parties were as follows:
2024 2023
ASET ASSETS
Giro pada bank lain Current accounts with
(Catatan 6) 7.152.040 2.064.816 other banks (Note 6)
Tagihan akseptasi (Catatan 10) 1.147.215 257.803 Acceptance receivables (Note 10)
Kredit yang diberikan Loans
Grup pemegang saham (Catatan 11i) 113.000.000 113.192.843 Group’s shareholder (Note 11i)
Jumlah 121.299.255 115.515.462 Total
Persentase terhadap jumlah aset 0,54% 0,59% Percentage of total assets
2024 2023
LIABILITAS LIABILITIES
Simpanan dari nasabah (Catatan 18) 295.865.961 476.687.094 Deposits from customers (Note 18)
Simpanan dari bank lain (Catatan 19) 565.101.347 770.416.460 Deposits from other banks (Note 19)
Jumlah 860.967.308 1.247.103.554 Total
Persentase terhadap jumlah liabilitas 5,43% 9,64% Percentage of total liabilities
Komitmen dan kontinjensi Commitments and contingencies
Pada tanggal 31 Desember 2024 dan 2023, saldo As of 31 December 2024 and 2023, the outstanding
liabilitas komitmen bersih kepada pihak berelasi commitment liabilities net to related parties were
masing-masing sebesar Rp3.251.484 dan Rp5.231.763 Rp3,251,484 and Rp5,231,763, respectively
(Catatan 25). Pada tanggal 31 Desember 2024 dan (Note 25). As of 31 December 2024 and 2023, the
2023, saldo liabilitas kontinjensi bersih kepada pihak outstanding contingencies liabilities net to related
berelasi masing-masing adalah Rp2.720.055 dan parties were Rp2,720,055 and Rp2,602,093,
Rp2.602.093. respectively.
Kompensasi kepada personil manajemen kunci Compensation of key management personnel of
Bank the Bank
Manajemen kunci termasuk dewan komisaris, direksi Key management includes the board of
dan manajemen kunci lainnya. Rincian atas commissioners, board of directors and other key
kompensasi yang diberikan adalah sebagai berikut: management. The details of compensation provided
are as follows:
2024 2023
Dewan Komisaris Board of Commissioners
Remunerasi (gaji, bonus, tunjangan Remuneration (salary, bonus, routine
rutin) 4.331.250 5.228.635 allowance)
Fasilitas lain-lain 287.547 94.201 Other facilities
Jumlah (Catatan 29) 4.618.797 5.322.836 Total (Note 29)
Dewan Direksi Board of Directors
Remunerasi (gaji, bonus, tunjangan Remuneration (salary, bonus, routine
rutin) 20.008.415 15.357.721 allowance)
Fasilitas lain-lain 2.531.718 3.381.476 Other facilities
Jumlah (Catatan 29) 22.540.133 18.739.197 Total (Note 29)
Manajemen kunci lainnya 50.874.445 29.167.141 Other key management
Jumlah kompensasi manajemen Total compensation of key
kunci 78.033.375 53.229.174 management
Page 575
These Financial Statements are Originally Issued
in Indonesian Language
Ekshibit E/83 Exhibit E/83
PT BANK MASPION INDONESIA TBK PT BANK MASPION INDONESIA TBK
CATATAN ATAS LAPORAN KEUANGAN NOTES TO FINANCIAL STATEMENTS
UNTUK TAHUN YANG BERAKHIR PADA FOR THE YEAR ENDED
31 DESEMBER 2024 31 DECEMBER 2024
(Disajikan dalam ribuan Rupiah, kecuali dinyatakan lain) (Expressed in thousands of Rupiah, unless otherwise stated)
34. SEGMEN OPERASI 34. OPERATION SEGMENT
Kegiatan Bank sepenuhnya adalah Bank Umum, sehingga informasi segmen Bank The Bank’s activities are entirely Commercial Bank, hence the Bank’s segment
tidak dikelompokkan berdasarkan segmen usaha tetapi dikelompokkan berdasarkan information is not classified into business segments but it is classified by
segmen geografis. geographical segment.
Informasi mengenai hasil dari tiap area geografis disajikan di bawah ini: Information regarding the results of each geographical area is included below:
2024
Jawa Barat/ Jawa Tengah/ Jawa Timur/ Jumlah/
Jakarta West Java Central Java East Java Bali Sulawesi Sumatera Total
Pendapatan (beban) Interest income
bunga, bersih 560.526.891 ( 4.186.299) ( 4.375.604) 198.018.938 ( 7.444.879) ( 11.105.560) ( 18.969.153) 712.464.334 (expense), net
Beban operasional Other operating
lainnya, bersih ( 397.840.374) ( 24.837.588) ( 42.544.332) ( 528.255.851) ( 7.561.154) ( 10.526.729) ( 18.043.585) ( 1.029.609.613) expense, net
Pendapatan non- Non-operating income,
operasional, bersih 1.642.530 420.503 534.982 2.218.475 225.033 227.060 589.865 5.858.448 net
Jumlah pendapatan Total external income
(beban) eksternal 164.329.047 ( 28.603.384) ( 46.384.954) ( 328.018.438) ( 14.781.000) ( 21.405.229) ( 36.422.873) ( 311.286.831) (expense)
Pendapatan (beban) Inter-area income
antar area ( 455.185.423) 8.607.621 15.795.972 362.717.497 16.041.221 14.430.467 37.592.645 - (expense)
Jumlah pendapatan Total area income
(beban) area ( 290.856.376) ( 19.995.763) ( 30.588.982) 34.699.059 1.260.221 ( 6.974.762) 1.169.772 ( 311.286.831) (expense)
Kredit yang diberikan,
bersih 10.382.070.501 100.630.107 465.425.936 4.239.712.967 169.795.805 54.815.941 562.430.249 15.974.881.506 Loans, net
Aset tetap, bersih 84.995.502 12.987.698 32.324.431 251.940.445 12.773.937 9.091.473 15.076.411 419.189.897 Fixed assets, net
Jumlah aset 3.604.429.255 311.683.087 902.653.990 15.327.865.527 552.184.337 300.346.602 1.305.887.214 22.305.050.012 Total assets
Jumlah liabilitas 3.895.285.631 331.678.849 933.235.215 8.518.300.542 550.924.115 307.321.364 1.304.717.443 15.841.463.159 Total liabilities
Page 576
These Financial Statements are Originally Issued
in Indonesian Language
Ekshibit E/84 Exhibit E/84
PT BANK MASPION INDONESIA TBK PT BANK MASPION INDONESIA TBK
CATATAN ATAS LAPORAN KEUANGAN NOTES TO FINANCIAL STATEMENTS
UNTUK TAHUN YANG BERAKHIR PADA FOR THE YEAR ENDED
31 DESEMBER 2024 31 DECEMBER 2024
(Disajikan dalam ribuan Rupiah, kecuali dinyatakan lain) (Expressed in thousands of Rupiah, unless otherwise stated)
34. SEGMEN OPERASI (Lanjutan) 34. OPERATION SEGMENT (Continued)
Informasi mengenai hasil dari tiap area geografis disajikan di bawah ini: (Lanjutan) Information regarding the results of each geographical area is included below
(Continued):
2023
Jawa Barat/ Jawa Tengah/ Jawa Timur/ Jumlah/
Jakarta West Java Central Java East Java Bali Sulawesi Sumatera Total
Pendapatan (beban) Interest income
bunga, bersih 271.307.987 ( 966.403) 10.452.079 276.053.531 6.300.569 ( 11.691.402) ( 19.700.571) 531.755.790 (expense), net
Beban operasional Other operating
lainnya, bersih ( 114.917.636) ( 10.055.445) ( 30.964.655) ( 258.802.275) ( 8.351.446) ( 9.806.906) ( 14.717.302) ( 447.615.665) expense, net
Pendapatan (beban)
non-operasional, Non-operating income
bersih ( 43.949) ( 4.549) 21.989 ( 269.145) ( 27.082) 10.706 ( 4.209) ( 316.239) (expense), net
Jumlah pendapatan Total external income
(beban) eksternal 156.346.402 ( 11.026.397) ( 20.490.587) 16.982.111 ( 2.077.959) ( 21.487.602) ( 34.422.082) 83.823.886 (expense)
Pendapatan (beban) Inter-area income
antar area ( 158.880.154) 8.180.015 197.153 100.458.778 ( 608.291) 13.923.618 36.728.881 - (expense)
Jumlah pendapatan Total area income
(beban) area ( 2.533.752) ( 2.846.382) ( 20.293.434) 117.440.889 ( 2.686.250) ( 7.563.984) 2.306.799 83.823.886 (expense)
Kredit yang diberikan,
bersih 7.609.108.346 126.108.605 535.975.448 4.081.978.941 160.048.232 63.796.245 534.246.348 13.111.262.165 Loans, net
Aset tetap, bersih 89.902.011 16.864.097 33.470.504 246.965.132 13.200.169 9.342.251 15.491.168 425.235.332 Fixed assets, net
Jumlah aset 2.051.996.546 291.649.401 701.088.824 14.867.571.646 253.577.096 303.271.050 1.196.808.403 19.665.962.966 Total assets
Jumlah liabilitas 2.061.333.999 293.377.555 722.819.744 8.105.499.957 256.251.485 311.107.775 1.192.914.934 12.943.305.449 Total liabilities
Pendapatan antar area pada dasarnya berasal dari transaksi transfer dana antar The inter-area income was mainly derived from inter-area fund transfer.
area.
Page 577
These Financial Statements are Originally Issued
in Indonesian Language
Ekshibit E/85 Exhibit E/85
PT BANK MASPION INDONESIA TBK PT BANK MASPION INDONESIA TBK
CATATAN ATAS LAPORAN KEUANGAN NOTES TO FINANCIAL STATEMENTS
UNTUK TAHUN YANG BERAKHIR PADA FOR THE YEAR ENDED
31 DESEMBER 2024 31 DECEMBER 2024
(Disajikan dalam ribuan Rupiah, kecuali dinyatakan lain) (Expressed in thousands of Rupiah, unless otherwise stated)
35. MANAJEMEN RISIKO 35. RISK MANAGEMENT
Dalam melaksanakan kegiatan usahanya, Bank selalu In Bank’s operational activity, Bank encounter
berhadapan dengan risiko yang melekat (inherent the inherent risk so Bank required to set a solid risk
risk) sehingga Bank menetapkan kerangka management practices requires a robust risk
manajemen risiko yang meliputi: (1) risk governance management framework includes: (1) robust risk
yang memadai, (2) kecukupan kebijakan manajemen governance, (2) adequacy of risk management
risiko, prosedur dan penetapan batas risiko, policies, procedures and establishment of risk
(3) kecukupan proses identifikasi, pengukuran, limits, (3) adequacy of risk management
pemantauan, pengendalian manajemen risiko yang identification, measurement, monitoring, control
didukung oleh Sistem Informasi Manajemen risiko and supported by adequate risk Management
yang memadai, dan (4) sistem pengendalian intern Information System, and (4) comprehensive internal
yang komprehensif. control system.
Dalam rangka penerapan manajemen risiko yang To implement the risk management effectively,
efektif, Bank telah membentuk komite di tingkat Bank has established committee in level of the Board
Dewan Komisaris dan Direksi maupun unit kerja yang of Commissioners and the Board of Directors,
bersifat independen. Hal ini diwujudkan dengan including working units which is independent. This is
pembentukan Satuan Kerja Manajemen Risiko serta implemented by establishing a Risk Management
beberapa komite seperti Komite Pemantau Risiko, Unit and other several committees such as Risk
Komite Manajemen Risiko, Assets and Liabilities Monitoring Committee, Risk Management
Committee, Komite Sumber Daya Manusia, IT Committee, Assets and Liabilities Committee,
Steering Committee, Komite Kebijakan serta Komite Personnel Committee, IT Steering Committee, Policy
Produk, Jasa dan Layanan, Komite Audit serta Komite Committee, Product and Services Committee, Audit
Remunerasi dan Nominasi. Committee, and Remuneration and Nomination
Committee.
Bank secara berkesinambungan menyempurnakan The Bank continuously improves internal policies
seluruh ketentuan internal terkait pengelolaan risiko, related to risk management, including policies,
baik dari sisi kebijakan, pedoman, prosedur, batas standardized operations, procedures, risk limit and
risiko maupun pemanfaatan teknologi informasi information technology utilization in line with
sesuai dengan perkembangan internal maupun internal and external development.
eksternal.
Profil risiko Risk profile
Berdasarkan ketentuan Bank Indonesia In accordance with Bank Indonesia regulation
No. 5/8/PBI/2003 tanggal 19 Mei 2003 tentang No. 5/8/PBI/2003 dated 19 May 2003 regarding Risk
Penerapan Manajemen Risiko Bagi Bank Umum, yang Management Implementation for Commercial Banks,
selanjutnya telah diubah dengan PBI which has been amended by PBI No. 11/25/PBI/2009
No. 11/25/PBI/2009 tanggal 1 Juli 2009, maka Bank dated 1 July 2009, banks are required to submit the
wajib untuk menyampaikan laporan profil risiko quarterly risk profile reports starting in 2005. Those
triwulanan sejak tahun 2005. Kedua peraturan regulations have been revoked and replaced
tersebut telah dicabut dan digantikan oleh Peraturan by Financial Service Authority Regulation
OJK No. 18/POJK.03/2016 tanggal 16 Maret 2016 No. 18/POJK.03/2016 dated 16 March 2016 which
yang menetapkan ketentuan yang sama. stated similar requirement.
Pada tahun 2011, Bank Indonesia mengeluarkan In 2011, Bank Indonesia issued regulation
Peraturan No. 13/1/PBI/2011 tanggal 5 Januari 2011 No. 13/1/PBI/2011 dated 5 January 2011 about
perihal Penilaian Tingkat Kesehatan Bank Umum, the Assessment of Commercial Bank Health Rating
yang dilakukan sesuai dengan lampiran SE BI and has been carried out in accordance with
No. 13/24/DPNP tanggal 25 Oktober 2011, dimana appendix SE BI No. 13/24/DPNP dated 25 October
profil risiko merupakan bagian tak terpisahkan dari 2011, where the risk profile is an integral part of the
penilaian tingkat kesehatan yang dimaksud. assessment. Regulation No. 13/1/PBI/2011 has been
Peraturan No. 13/1/PBI/2011 tersebut dicabut dan revoked and replaced by Financial Service Authority
digantikan oleh Peraturan OJK No. 4/POJK.03/2016 Regulation No. 4/POJK.03/2016 dated 26 January
tanggal 26 Januari 2016, sedangkan SE BI 2016, meanwhile SE BI No. 13/24/DPNP dated
No. 13/24/DPNP tanggal 25 Oktober 2011 tersebut 25 October 2011 has been revoked and replaced by
dicabut dan digantikan oleh SE OJK SE OJK No. 14/SEOJK.03/2017 dated 17 March 2017.
No. 14/SEOJK.03/2017 tanggal 17 Maret 2017.
Page 578
These Financial Statements are Originally Issued
in Indonesian Language
Ekshibit E/86 Exhibit E/86
PT BANK MASPION INDONESIA TBK PT BANK MASPION INDONESIA TBK
CATATAN ATAS LAPORAN KEUANGAN NOTES TO FINANCIAL STATEMENTS
UNTUK TAHUN YANG BERAKHIR PADA FOR THE YEAR ENDED
31 DESEMBER 2024 31 DECEMBER 2024
(Disajikan dalam ribuan Rupiah, kecuali dinyatakan lain) (Expressed in thousands of Rupiah, unless otherwise stated)
35. MANAJEMEN RISIKO (Lanjutan) 35. RISK MANAGEMENT (Continued)
Profil risiko (Lanjutan) Risk profile (Continued)
Terkait penerapan manajemen risiko, Bank menyusun In relation to the implementation of risk
laporan profil risiko triwulanan secara self- management, the Bank prepares the quarterly risk
assessment yang disampaikan kepada OJK. profile reports on a self-assessment basis which is
submitted to OJK.
Risiko kredit Credit risk
Sesuai Peraturan OJK No. 18/POJK.03/2016 tanggal In accordance to Financial Service Authority
16 Maret 2016 tentang Penerapan Manajemen Risiko Regulation No. 18/POJK.03/2016 dated
bagi Bank Umum, risiko kredit didefinisikan sebagai 16 March 2016 on the Application of Risk
risiko akibat kegagalan pihak lain dalam memenuhi Management for Commercial Banks, credit risk is the
kewajiban kepada Bank, termasuk risiko kredit akibat risk of counterparties failure to fulfill their
kegagalan debitur, risiko konsentrasi kredit, obligations to the Bank, including credit risk of
counterparty credit risk dan settlement risk. Dalam debtors failure, concentration credit risk,
mengelola risiko kredit, Bank telah memiliki counterparty credit risk and settlement risk. In
kebijakan dan pedoman perkreditan yang meliputi managing credit risk, the Bank has credit policies
pengajuan dan persetujuan kredit, pemantauan and standard operating procedures encompassing
eksposur, pengelolaan kredit bermasalah dan credit proposal and approval criteria, exposure
manajemen portofolio. Kebijakan tersebut monitoring, remedial management and portfolio
disempurnakan secara berkala sesuai dengan management. Those policies and procedures are
perkembangan usaha serta perubahan peraturan enhanced periodically in line with business
otoritas. developments and changes of authority bodies’
principles.
Dalam rangka pengendalian risiko kredit secara In order to control credit risk in a comprehensive
komprehensif, Bank melaksanakan prinsip “empat manner, the Bank implements the four eyes
mata” (four eyes principle) dimana keputusan kredit principle where credit decisions are taken not only
diambil tidak hanya berdasarkan usulan dari unit based on the proposals from the business units, but
bisnis, melainkan juga analisis dari divisi Credit also the analysis from Credit Reviewers division,
Reviewer yang independen dari fungsi bisnis. which is independent of business functions.
Pengelolaan risiko kredit yang lebih khusus dilakukan Specific credit risk management is performed on the
atas portofolio kredit yang bermasalah. Upaya yang non-performing loans portfolio. Such efforts,
dilakukan diantaranya adalah pemantauan terhadap amongst others, are monitoring of credit quality
kualitas kredit debitur secara rutin, restrukturisasi periodically, restructuring of non-performing loans,
fasilitas kredit yang bermasalah, pembentukan providing allowances to cover potential losses, and
pencadangan untuk menutup potensi kerugian, write-offs. Specific policy on non-performing loans
hingga pelaksanaan hapus buku. Proses pengelolaan management process has been implemented,
kredit bermasalah telah diatur secara tersendiri, including establishing special working units to
termasuk pembentukan unit kerja khusus untuk handle such loans.
mengelola kredit bermasalah.
Bank telah menjalankan proses identifikasi, The Bank identifies, measures, monitors, and
pengukuran, pemantauan, dan pengendalian risiko controls risk which include credit risk profiles
yang mencakup profil risiko kredit secara terintegrasi integrated in a comprehensive risk management
dalam suatu proses manajemen risiko yang process and do the stress testing periodically on
komprehensif serta melakukan stress testing secara credit portfolio for Bank to estimate the stressful
berkala terhadap portofolio kredit sehingga Bank condition impacts and set the strategies to mitigate
dapat memperkirakan dampak pada stressful those risks.
condition dan menetapkan strategi untuk memitigasi
risiko tersebut.
Page 579
These Financial Statements are Originally Issued
in Indonesian Language
Ekshibit E/87 Exhibit E/87
PT BANK MASPION INDONESIA TBK PT BANK MASPION INDONESIA TBK
CATATAN ATAS LAPORAN KEUANGAN NOTES TO FINANCIAL STATEMENTS
UNTUK TAHUN YANG BERAKHIR PADA FOR THE YEAR ENDED
31 DESEMBER 2024 31 DECEMBER 2024
(Disajikan dalam ribuan Rupiah, kecuali dinyatakan lain) (Expressed in thousands of Rupiah, unless otherwise stated)
35. MANAJEMEN RISIKO (Lanjutan) 35. RISK MANAGEMENT (Continued)
Risiko kredit (Lanjutan) Credit risk (Continued)
a. Risiko kredit maksimum a. Maximum credit risk
Analisa eksposur maksimum terhadap risiko kredit Analysis on maximum exposures against credit
setelah memperhitungkan dampak agunan dan risks considering the impact of collateral and
mitigasi risiko kredit lainnya. other credit risks mitigation.
Nilai tercatat dari aset keuangan Bank selain The carrying value of the Bank’s financial assets
kredit yang diberikan menggambarkan eksposur other than loans represents its maximum
maksimum atas risiko kredit. exposure to credit risk.
Pemberian kredit yang dilaksanakan oleh Bank The loan granting conducted by the Bank is
diatur dalam kebijakan dan prosedur perkreditan stipulated in the loan policy and procedure in
dimana untuk setiap pengajuan kredit telah which every loan type or scheme has minimum
ditentukan agunan minimal yang harus dipenuhi. determinable collaterals that should be
Jenis dari agunan yang diterima oleh Bank terdiri fulfilled. The types of collateral that allowed by
dari: the Bank are as follows:
a) Physical collateral, berupa tanah, bangunan, a) Physical collateral, such as land, buildings,
kendaraan bermotor, persediaan, mesin dan vehicle, inventory, machine and others.
lain-lain.
b) Financial collateral, berupa deposito dan cash b) Financial collateral, such as time deposits
margin. and cash margin.
c) Lainnya berupa garansi. c) Others, such as guarantees.
Untuk seluruh agunan khususnya physical All collaterals particularly for physical collateral
collateral akan dilakukan penilaian dan nilai Bank will be assessed in which the Bank’s collateral
atas agunan tersebut yang akan dipergunakan measurement value will be use in determining
dalam menentukan kecukupan nilai agunan the coverage ratio.
(coverage ratio).
Selain aspek agunan untuk meminimalkan risiko In addition, collateral aspect to minimize credit
kredit, pemberian kredit oleh Bank selalu risk, loan granting is conducted based on
dilakukan berdasarkan evaluasi dan analisa evaluation and feasibility analysis so that the
kelayakan untuk mengetahui kemampuan loan repayment ability (first way out).
pengembalian kredit (first way out).
Adanya keharusan bagi debitur untuk memenuhi The necessity for debtors to comply with
agunan yang dipersyaratkan, evaluasi atas collaterals requirement, loan feasibility
kelayakan kredit, pengikatan kredit dan agunan evaluation, notarial agreement and collaterals
serta prosedur prescreening akan menurunkan and also prescreening procedures will decrease
eksposur risiko kredit Bank ke tingkat yang layak the Bank’s credit risk exposure to the acceptable
dan dapat diterima. level.
Page 580
These Financial Statements are Originally Issued
in Indonesian Language
Ekshibit E/88 Exhibit E/88
PT BANK MASPION INDONESIA TBK PT BANK MASPION INDONESIA TBK
CATATAN ATAS LAPORAN KEUANGAN NOTES TO FINANCIAL STATEMENTS
UNTUK TAHUN YANG BERAKHIR PADA FOR THE YEAR ENDED
31 DESEMBER 2024 31 DECEMBER 2024
(Disajikan dalam ribuan Rupiah, kecuali dinyatakan lain) (Expressed in thousands of Rupiah, unless otherwise stated)
35. MANAJEMEN RISIKO (Lanjutan) 35. RISK MANAGEMENT (Continued)
Risiko kredit (Lanjutan) Credit risk (Continued)
b. Risiko konsentrasi kredit b. Credit concentration risk
Tabel berikut menggambarkan rincian eksposur kredit Bank pada nilai tercatat The following tables provide details of the Bank’s credit exposures at their
(tanpa memperhitungkan agunan atau pendukung kredit lainnya), yang carrying amounts (without taking into account any collateral held or other
dikategorikan berdasarkan area geografis pada tanggal 31 Desember 2024 dan credit enhancements), as categorized by geographical region as of
2023. Untuk tabel ini, Bank telah mengalokasikan eksposur area berdasarkan 31 December 2024 and 2023. For these tables, the Bank has allocated exposures
wilayah geografis tempat mereka beroperasi. to the regions based on the geographical area where activities are undertaken.
(i) Konsentrasi risiko kredit berdasarkan geografis (i) Concentration of credit risk by geography
2024
Jawa Barat/ Jawa Tengah/ Jawa Timur/ Jumlah/
Jakarta West Java Central Java East Java Bali Sulawesi Sumatera Total
Giro pada Bank Current accounts with
Indonesia - - - 831.846.950 - - - 831.846.950 Bank Indonesia
Current accounts with
Giro pada bank lain - - 4.287 145.237.098 - - - 145.241.385 other banks
Penempatan pada Placements with Bank
Bank Indonesia dan Indonesia and
bank lain - - - 216.453.233 - - - 216.453.233 other banks
Efek-efek - - - 3.015.139.404 - - - 3.015.139.404 Marketable securities
Efek-efek yang dibeli Securities purchased
dengan janji dijual under agreements
kembali - - - 792.724.271 - - - 792.724.271 to resell
Tagihan akseptasi 1.425.706 - - 1.140.765 - - - 2.566.471 Acceptance receivables
Kredit yang diberikan 10.382.070.501 100.630.107 465.425.936 4.239.712.967 169.795.805 54.815.941 562.430.249 15.974.881.506 Loans
Bunga yang akan
diterima 31.033.421 257.967 933.844 51.877.007 319.121 157.782 1.759.137 86.338.279 Interest receivables
Aset lain-lain*) 309 47 813 5.105 3 2.142 199 8.618 Other assets*)
Jumlah 10.414.529.937 100.888.121 466.364.880 9.294.136.800 170.114.929 54.975.865 564.189.585 21.065.200.117 Total
*) Aset lain-lain terdiri dari provisi dan komisi yang akan diterima *) Other assets consist of fee and commissions receivables
Page 581
These Financial Statements are Originally Issued
in Indonesian Language
Ekshibit E/89 Exhibit E/89
PT BANK MASPION INDONESIA TBK PT BANK MASPION INDONESIA TBK
CATATAN ATAS LAPORAN KEUANGAN NOTES TO FINANCIAL STATEMENTS
UNTUK TAHUN YANG BERAKHIR PADA FOR THE YEAR ENDED
31 DESEMBER 2024 31 DECEMBER 2024
(Disajikan dalam ribuan Rupiah, kecuali dinyatakan lain) (Expressed in thousands of Rupiah, unless otherwise stated)
35. MANAJEMEN RISIKO (Lanjutan) 35. RISK MANAGEMENT (Continued)
Risiko kredit (Lanjutan) Credit risk (Continued)
b. Risiko konsentrasi kredit (Lanjutan) b. Credit concentration risk (Continued)
Tabel berikut menggambarkan rincian eksposur kredit Bank pada nilai tercatat The following tables provide details of the Bank’s credit exposures at their
(tanpa memperhitungkan agunan atau pendukung kredit lainnya), yang carrying amounts (without taking into account any collateral held or other
dikategorikan berdasarkan area geografis pada tanggal 31 Desember 2024 dan credit enhancements), as categorized by geographical region as of
2023. Untuk tabel ini, Bank telah mengalokasikan eksposur area berdasarkan 31 December 2024 and 2023. For these tables, the Bank has allocated exposures
wilayah geografis tempat mereka beroperasi. (Lanjutan) to the regions based on the geographical area where activities are undertaken.
(Continued)
(i) Konsentrasi risiko kredit berdasarkan geografis (Lanjutan) (i) Concentration of credit risk by geography (Continued)
2023
Jawa Barat/ Jawa Tengah/ Jawa Timur/ Jumlah/
Jakarta West Java Central Java East Java Bali Sulawesi Sumatera Total
Giro pada Bank Current accounts with
Indonesia - - - 1.070.749.633 - - - 1.070.749.633 Bank Indonesia
Current accounts with
Giro pada bank lain - - 4.592 96.774.475 - - - 96.779.067 other banks
Penempatan pada Placements with Bank
Bank Indonesia dan Indonesia and
bank lain - - - 399.941.701 - - - 399.941.701 other banks
Efek-efek - - - 2.431.540.231 - - - 2.431.540.231 Marketable securities
Efek-efek yang dibeli Securities purchased
dengan janji dijual under agreements
kembali - - - 1.409.355.118 - - - 1.409.355.118 to resell
Tagihan akseptasi 2.443.092 - - 202.022 - - - 2.645.114 Acceptance receivables
Kredit yang diberikan 7.609.108.346 126.108.605 535.975.448 4.081.978.941 160.048.232 63.796.245 534.246.348 13.111.262.165 Loans
Bunga yang akan
diterima 31.664.454 2.026.100 983.525 51.758.024 394.173 202.979 1.668.181 88.697.436 Interest receivables
Aset lain-lain*) 401 160 991 4.684 41 2.169 326 8.772 Other assets*)
Jumlah 7.643.216.293 128.134.865 536.964.556 9.542.304.829 160.442.446 64.001.393 535.914.855 18.610.979.237 Total
*) Aset lain-lain terdiri dari provisi dan komisi yang akan diterima *) Other assets consist of fee and commissions receivables
Page 582
These Financial Statements are Originally Issued
in Indonesian Language
Ekshibit E/90 Exhibit E/90
PT BANK MASPION INDONESIA TBK PT BANK MASPION INDONESIA TBK
CATATAN ATAS LAPORAN KEUANGAN NOTES TO FINANCIAL STATEMENTS
UNTUK TAHUN YANG BERAKHIR PADA FOR THE YEAR ENDED
31 DESEMBER 2024 31 DECEMBER 2024
(Disajikan dalam ribuan Rupiah, kecuali dinyatakan lain) (Expressed in thousands of Rupiah, unless otherwise stated)
35. MANAJEMEN RISIKO (Lanjutan) 35. RISK MANAGEMENT (Continued)
Risiko kredit (Lanjutan) Credit risk (Continued)
b. Risiko konsentrasi kredit (Lanjutan) b. Credit concentration risk (Continued)
(i) Konsentrasi risiko kredit berdasarkan geografis (Lanjutan) (i) Concentration of credit risk by geography (Continued)
Eksposur risiko kredit atas rekening administratif pada tanggal Credit risk exposure related to administrative accounts as of
31 Desember 2024 dan 2023 adalah sebagai berikut: 31 December 2024 and 2023 are as follows:
2024
Jawa Barat/ Jawa Tengah/ Jawa Timur/ Jumlah/
Jakarta West Java Central Java East Java Bali Sulawesi Sumatera Total
Fasilitas kredit kepada debitur
yang belum digunakan 1.343.484.958 3.436.641 178.830.511 920.040.437 32.840.642 6.853.816 139.598.786 2.625.085.791 Unused loans facilities
Bank garansi yang diberikan 43.156.179 800.000 1.000.000 3.250.000 10.379.904 - 21.000.000 79.586.083 Bank guarantees issued
Jumlah 1.386.641.137 4.236.641 179.830.511 923.290.437 43.220.546 6.853.816 160.598.786 2.704.671.874 Total
2023
Jawa Barat/ Jawa Tengah/ Jawa Timur/ Jumlah/
Jakarta West Java Central Java East Java Bali Sulawesi Sumatera Total
Fasilitas kredit kepada debitur
yang belum digunakan 1.688.526.344 4.391.087 132.621.006 1.237.801.076 31.520.197 13.711.111 138.888.286 3.247.459.107 Unused loans facilities
Bank garansi yang diberikan 105.658.981 1.100.000 1.000.000 5.150.000 10.506.906 200.000 7.700.000 131.315.887 Bank guarantees issued
Jumlah 1.794.185.325 5.491.087 133.621.006 1.242.951.076 42.027.103 13.911.111 146.588.286 3.378.774.994 Total
Page 583
These Financial Statements are Originally Issued
in Indonesian Language
Ekshibit E/91 Exhibit E/91
PT BANK MASPION INDONESIA TBK PT BANK MASPION INDONESIA TBK
CATATAN ATAS LAPORAN KEUANGAN NOTES TO FINANCIAL STATEMENTS
UNTUK TAHUN YANG BERAKHIR PADA FOR THE YEAR ENDED
31 DESEMBER 2024 31 DECEMBER 2024
(Disajikan dalam ribuan Rupiah, kecuali dinyatakan lain) (Expressed in thousands of Rupiah, unless otherwise stated)
35. MANAJEMEN RISIKO (Lanjutan) 35. RISK MANAGEMENT (Continued)
Risiko kredit (Lanjutan) Credit risk (Continued)
b. Risiko konsentrasi kredit (Lanjutan) b. Credit concentration risk (Continued)
(ii) Konsentrasi risiko kredit berdasarkan sektor (ii) Concentration of credit risk by industry
industri sector
Tabel berikut ini menggambarkan rincian The following tables provide the details of
eksposur kredit Bank pada nilai tercatat the Bank’s credit exposure at carrying
(tanpa memperhitungkan agunan atau amounts (without taking into account any
pendukung kredit lainnya), yang collateral held or other credit
dikategorikan berdasarkan sektor industri enhancements), categorized based on
pada tanggal 31 Desember 2024 dan industry sectors as of 31 December 2024 and
2023: 2023:
2024
Pemerintah dan Perusahaan
Bank Indonesia/ lainnya/
Government and Bank/ Other Perseorangan/ Jumlah/
Bank Indonesia Banks companies Individuals Total
Current accounts with
Giro pada Bank Indonesia 831.846.950 - - - 831.846.950 Bank Indonesia
Current accounts with
Giro pada bank lain - 145.241.385 - - 145.241.385 other banks
Penempatan pada Bank Indonesia Placement with Bank
dan bank lain 166.475.726 49.977.507 - - 216.453.233 Indonesia and other banks
Efek-efek 3.015.139.404 - - - 3.015.139.404 Marketable securities
Efek-efek yang dibeli dengan janji Securities purchased under
dijual kembali 792.724.271 - - - 792.724.271 agreements to resell
Tagihan akseptasi - - 2.566.471 - 2.566.471 Acceptance receivables
Kredit yang diberikan - 70.635.778 14.802.022.105 1.102.223.623 15.974.881.506 Loans
Bunga yang akan diterima 37.695.235 482.731 44.930.714 3.229.599 86.338.279 Interest receivables
Aset lain-lain*) - - 8.618 - 8.618 Other assets*)
Jumlah 4.843.881.586 266.337.401 14.849.527.908 1.105.453.222 21.065.200.117 Total
*) Aset lain-lain terdiri dari provisi dan komisi yang akan diterima *) Other assets consist of fee and commissions receivables
2023
Pemerintah dan Perusahaan
Bank Indonesia/ lainnya/
Government and Bank/ Other Perseorangan/ Jumlah/
Bank Indonesia Banks companies Individuals Total
Current accounts with
Giro pada Bank Indonesia 1.070.749.633 - - - 1.070.749.633 Bank Indonesia
Current accounts with
Giro pada bank lain - 96.779.067 - - 96.779.067 other banks
Penempatan pada Bank Indonesia Placement with Bank
dan bank lain 399.941.701 - - - 399.941.701 Indonesia and other banks
Efek-efek 2.431.540.231 - - - 2.431.540.231 Marketable securities
Efek-efek yang dibeli dengan janji Securities purchased under
dijual kembali 1.409.355.118 - - - 1.409.355.118 agreements to resell
Tagihan akseptasi - - 2.645.114 - 2.645.114 Acceptance receivables
Kredit yang diberikan - 26.185.252 11.683.364.631 1.401.712.282 13.111.262.165 Loans
Bunga yang akan diterima 37.598.127 458.982 45.155.718 5.484.609 88.697.436 Interest receivables
Aset lain-lain*) - - 8.772 - 8.772 Other assets*)
Jumlah 5.349.184.810 123.423.301 11.731.174.235 1.407.196.891 18.610.979.237 Total
*) Aset lain-lain terdiri dari provisi dan komisi yang akan diterima *) Other assets consist of fee and commissions receivables
Eksposur risiko kredit yang terkait dengan Credit risk exposure relating to
unsur rekening administratif pada tanggal administrative account items as of
31 Desember 2024 dan 2023 adalah sebagai 31 December 2024 and 2023, are as follows:
berikut:
2024
Pemerintah dan Perusahaan
Bank Indonesia/ lainnya/
Government and Bank/ Other Perseorangan/ Jumlah/
Bank Indonesia Banks companies Individuals Total
Fasilitas kredit kepada debitur yang
belum digunakan 185.245.633 53.386.398 2.150.970.845 235.482.915 2.625.085.791 Unused loan facilities
Bank garansi yang diberikan 2.533.933 2.720.055 61.782.095 12.550.000 79.586.083 Bank guarantees issued
Jumlah 187.779.566 56.106.453 2.212.752.940 248.032.915 2.704.671.874 Total
Page 584
These Financial Statements are Originally Issued
in Indonesian Language
Ekshibit E/92 Exhibit E/92
PT BANK MASPION INDONESIA TBK PT BANK MASPION INDONESIA TBK
CATATAN ATAS LAPORAN KEUANGAN NOTES TO FINANCIAL STATEMENTS
UNTUK TAHUN YANG BERAKHIR PADA FOR THE YEAR ENDED
31 DESEMBER 2024 31 DECEMBER 2024
(Disajikan dalam ribuan Rupiah, kecuali dinyatakan lain) (Expressed in thousands of Rupiah, unless otherwise stated)
35. MANAJEMEN RISIKO (Lanjutan) 35. RISK MANAGEMENT (Continued)
Risiko kredit (Lanjutan) Credit risk (Continued)
b. Risiko konsentrasi kredit (Lanjutan) b. Credit concentration risk (Continued)
(ii) Konsentrasi risiko kredit berdasarkan sektor (ii) Concentration of credit risk by industry
industri (Lanjutan) sector (Continued)
Eksposur risiko kredit yang terkait dengan Credit risk exposure relating to
unsur rekening administratif pada tanggal administrative account items as of
31 Desember 2024 dan 2023 adalah sebagai 31 December 2024 and 2023, are as follows:
berikut: (Lanjutan) (Continued)
2023
Pemerintah dan Perusahaan
Bank Indonesia/ lainnya/
Government and Bank/ Other Perseorangan/ Jumlah/
Bank Indonesia Banks companies Individuals Total
Fasilitas kredit kepada debitur yang
belum digunakan - 17.403.037 2.912.040.667 318.015.403 3.247.459.107 Unused loan facilities
Bank garansi yang diberikan - - 118.515.887 12.800.000 131.315.887 Bank guarantees issued
Jumlah - 17.403.037 3.030.556.554 330.815.403 3.378.774.994 Total
(iii) Informasi mengenai aset keuangan yang (iii) The information about impaired and not
mengalami dan tidak mengalami penurunan impaired financial assets
nilai
Giro pada bank lain Current accounts with other banks
Per 31 Desember 2024 dan 2023, aset As of 31 December 2024 and 2023, these
keuangan ini dinilai secara individual financial assets are assesed individually as
maupun kolektif dengan rincian sebagai well as collectively with the following
berikut: details:
2024
Tingkat 1/ Tingkat 2/ Tingkat 3/ Jumlah/
Stage 1 Stage 2 Stage 3 Total
Rupiah 308.150 - - 308.150 Rupiah
Mata uang asing 144.998.603 - 3.373 145.001.976 Foreign currencies
Jumlah 145.306.753 - 3.373 145.310.126 Total
Cadangan kerugian Allowance for
penurunan nilai ( 65.368) - ( 3.373) ( 68.741) impairment losses
Bersih 145.241.385 - - 145.241.385 Net
2023
Tingkat 1/ Tingkat 2/ Tingkat 3/ Jumlah/
Stage 1 Stage 2 Stage 3 Total
Rupiah 35.883.279 - - 35.883.279 Rupiah
Mata uang asing 60.910.306 - 3.429 60.913.735 Foreign currencies
Jumlah 96.793.585 - 3.429 96.797.014 Total
Cadangan kerugian Allowance for
penurunan nilai ( 14.518) - ( 3.429) ( 17.947) impairment losses
Bersih 96.779.067 - - 96.779.067 Net
Penempatan pada Bank Indonesia dan bank Placements with Bank Indonesia and other
lain banks
Per 31 Desember 2024, aset keuangan ini As of 31 December 2024, these financial
dinilai secara individual maupun kolektif assets are assessed individually as well as
dengan rincian sebagai berikut: collectively with the following details:
2024
Tingkat 1/ Tingkat 2/ Tingkat 3/ Jumlah/
Stage 1 Stage 2 Stage 3 Total
Rupiah 216.475.726 - - 216.475.726 Rupiah
Cadangan kerugian Allowance for
penurunan nilai ( 22.493) - - ( 22.493) impairment losses
Bersih 216.453.233 - - 216.453.233 Net
Page 585
These Financial Statements are Originally Issued
in Indonesian Language
Ekshibit E/93 Exhibit E/93
PT BANK MASPION INDONESIA TBK PT BANK MASPION INDONESIA TBK
CATATAN ATAS LAPORAN KEUANGAN NOTES TO FINANCIAL STATEMENTS
UNTUK TAHUN YANG BERAKHIR PADA FOR THE YEAR ENDED
31 DESEMBER 2024 31 DECEMBER 2024
(Disajikan dalam ribuan Rupiah, kecuali dinyatakan lain) (Expressed in thousands of Rupiah, unless otherwise stated)
35. MANAJEMEN RISIKO (Lanjutan) 35. RISK MANAGEMENT (Continued)
Risiko kredit (Lanjutan) Credit risk (Continued)
b. Risiko konsentrasi kredit (Lanjutan) b. Credit concentration risk (Continued)
(iii) Informasi mengenai aset keuangan yang (iii) The information about impaired and not
mengalami dan tidak mengalami penurunan impaired financial assets (Continued)
nilai (Lanjutan)
Penempatan pada Bank Indonesia dan bank Placements with Bank Indonesia and other
lain (Lanjutan) banks (Continued)
Pada tanggal 31 Desember 2023, aset As of 31 December 2023, these financial
keuangan ini tidak mengalami penurunan assets are not impaired individually as well
nilai secara individual maupun kolektif. as collectively.
Efek-efek dan efek-efek yang dibeli dengan Marketable securities and securities
janji dijual kembali purchased under agreements to resell
Pada tanggal 31 December 2024 dan As of 31 December 2024 and 2023, these
2023, aset keuangan ini tidak mengalami financial assets are not impaired
penurunan nilai secara individual maupun individually as well as collectively.
kolektif.
Kredit yang diberikan Loans
Berikut ini adalah risiko kredit berdasarkan Below are credit risks based on the
klasifikasi evaluasi penurunan nilai pada allowance for impairment losses assessment
tanggal 31 Desember 2024 dan classification as of 31 December 2024 and
2023: 2023:
2024
Tingkat 1/ Tingkat 2/ Tingkat 3/ Jumlah/
Stage 1 Stage 2 Stage 3 Total
Industri pengolahan 4.935.600.585 200.783.598 311.300.638 5.447.684.821 Processing industry
Aktivitas keuangan dan Financial and insurance
asuransi 3.845.674.017 - - 3.845.674.017 activities
Perdagangan besar dan
eceran, reparasi dan Wholesale and retail trade,
perawatan mobil dan repair maintenance of
sepeda motor 3.149.703.305 142.386.570 216.050.236 3.508.140.111 cars and motorcycles
Pengangkutan dan Transportation and
pergudangan 855.687.566 - - 855.687.566 warehousing
Aktivitas penyewaan dan Leasing and leasing
sewa guna usaha tanpa hak activities without
opsi ketenagakerjaan, agen employment options,
perjalanan dan penunjang travel agents and other
usaha lainnya 439.472.467 - - 439.472.467 business support
Penyediaan akomodasi dan Accommodation, food
penyediaan makan minum 291.052.427 68.610.892 - 359.663.319 and beverage
Pengadaan listrik, gas, uap Supply of electricity, gas,
atau air panas dan udara steam or hot water and
dingin 321.900.000 - - 321.900.000 cold air
Pertanian, kehutanan dan Agriculture, forestry
perikanan 263.060.837 - 2.596.467 265.657.304 and fisheries
Real estat 253.243.576 - - 253.243.576 Real estate
Pertambangan dan penggalian 245.365.614 - - 245.365.614 Mining and exploration
Information and
Informasi dan komunikasi 230.834.737 - - 230.834.737 communication
Aktivitas kesehatan manusia Human health activities and
dan aktivitas sosial 219.975.699 - - 219.975.699 social activities
Konstruksi 118.976.101 - 928.305 119.904.406 Construction
Rumah tangga 104.929.435 7.502.611 1.814.206 114.246.252 Households
Aktivitas profesional, ilmiah Professional, scientific and
dan teknis 79.723.316 - 602.719 80.326.035 technical activities
Kesenian, hiburan dan Arts, entertainment and
rekreasi 56.390.323 - - 56.390.323 recreation
Aktivitas jasa lainnya 43.065.686 - 1.846.343 44.912.029 Other service activities
Pendidikan 29.165.515 - - 29.165.515 Education
Bukan lapangan usaha lainnya 10.500 - - 10.500 Not another business field
Jumlah 15.483.831.706 419.283.671 535.138.914 16.438.254.291 Total
Cadangan kerugian penurunan Allowance for impairment
nilai ( 212.815.001) ( 54.902.874) ( 195.654.910) ( 463.372.785) losses
Jumlah - bersih 15.271.016.705 364.380.797 339.484.004 15.974.881.506 Total - net
Page 586
These Financial Statements are Originally Issued
in Indonesian Language
Ekshibit E/94 Exhibit E/94
PT BANK MASPION INDONESIA TBK PT BANK MASPION INDONESIA TBK
CATATAN ATAS LAPORAN KEUANGAN NOTES TO FINANCIAL STATEMENTS
UNTUK TAHUN YANG BERAKHIR PADA FOR THE YEAR ENDED
31 DESEMBER 2024 31 DECEMBER 2024
(Disajikan dalam ribuan Rupiah, kecuali dinyatakan lain) (Expressed in thousands of Rupiah, unless otherwise stated)
35. MANAJEMEN RISIKO (Lanjutan) 35. RISK MANAGEMENT (Continued)
Risiko kredit (Lanjutan) Credit risk (Continued)
b. Risiko konsentrasi kredit (Lanjutan) b. Credit concentration risk (Continued)
(iii) Informasi mengenai aset keuangan yang (iii) The information about impaired and not
mengalami dan tidak mengalami penurunan impaired financial assets (Continued)
nilai (Lanjutan)
Kredit yang diberikan (Lanjutan) Loans (Continued)
Berikut ini adalah risiko kredit berdasarkan Below are credit risks based on the
klasifikasi evaluasi penurunan nilai pada allowance for impairment losses assessment
tanggal 31 Desember 2024 dan classification as of 31 December 2024 and
2023: (Lanjutan) 2023: (Continued)
2023
Tingkat 1/ Tingkat 2/ Tingkat 3/ Jumlah/
Stage 1 Stage 2 Stage 3 Total
Industri pengolahan 4.839.661.477 256.745.093 54.821.306 5.151.227.876 Processing industry
Perdagangan besar dan
eceran, reparasi dan Wholesale and retail trade,
perawatan mobil dan repair maintenance of
sepeda motor 3.430.605.235 2.842.200 259.487.782 3.692.935.217 cars and motorcycles
Aktivitas keuangan dan Financial and insurance
asuransi 1.394.128.047 - - 1.394.128.047 activities
Pengangkutan dan Transportation and
pergudangan 755.690.743 - 1.929.433 757.620.176 warehousing
Penyediaan akomodasi dan Accommodation, food
penyediaan makan minum 399.151.697 74.487.755 - 473.639.452 and beverages
Pengadaan listrik, gas, uap Supply of electricity, gas,
atau air panas dan udara steam or hot water and
dingin 307.940.000 - - 307.940.000 cold air
Real estat 286.200.252 - - 286.200.252 Real estate
Aktivitas profesional, ilmiah Professional, scientific and
dan teknis 208.051.667 48.841.425 - 256.893.092 technical activities
Aktivitas penyewaan dan Leasing and leasing
sewa guna usaha tanpa hak activities without
opsi ketenagakerjaan, agen employment options,
perjalanan dan penunjang travel agents and other
usaha lainnya 227.058.292 - - 227.058.292 business support
Aktivitas kesehatan manusia Human health activities and
dan aktivitas sosial 219.113.968 - - 219.113.968 social activities
Rumah tangga 111.091.937 811.526 15.966.583 127.870.046 Households
Information and
Informasi dan komunikasi 81.708.970 - - 81.708.970 communication
Konstruksi 77.076.589 - 2.060.329 79.136.918 Construction
Kesenian, hiburan dan Arts, entertainment and
rekreasi 66.434.501 - - 66.434.501 recreation
Aktivitas jasa lainnya 47.159.070 - 5.385.566 52.544.636 Other service activities
Pendidikan 42.316.479 - - 42.316.479 Education
Pertanian, kehutanan dan Agriculture, forestry
perikanan 19.800.499 - 3.210.515 23.011.014 and fisheries
Pertambangan dan penggalian 6.569.286 - - 6.569.286 Mining and exploration
Water management,
Pengelolaan air, pengelolaan wastewater management,
air limbah, pengelolaan dan waste treatment and
daur ulang sampah, dan recycling, and
aktivitas remidiasi 3.174 - - 3.174 remediation activities
Bukan lapangan usaha lainnya 87.779 - - 87.779 Not another business field
Jumlah 12.519.849.662 383.727.999 342.861.514 13.246.439.175 Total
Cadangan kerugian penurunan Allowance for impairment
nilai ( 42.397.032) ( 30.603.558) ( 62.176.420) ( 135.177.010) losses
Jumlah - bersih 12.477.452.630 353.124.441 280.685.094 13.111.262.165 Total - net
Mutasi penyisihan berdasarkan jenis Movement of allowance by type of loans as
pinjaman yang diberikan pada tanggal of 31 December 2024:
31 Desember 2024:
Modal kerja/ Investasi/ Konsumsi/ Jumlah/
Working capital Investment Consumer Total
Saldo awal 70.510.734 60.081.937 4.584.339 135.177.010 Beginning balance
Penghapusan kredit ( 32.431.572) ( 9.991.893) ( 8.743.954) ( 51.167.419) Loan write-off
Penyisihan tahun berjalan 327.825.673 46.541.031 4.567.499 378.934.203 Provision during the year
Selisih kurs 428.991 - - 428.991 Exchange rate differences
Saldo akhir 366.333.826 96.631.075 407.884 463.372.785 Ending balance
Penurunan nilai individual 167.149.760 28.496.434 8.716 195.654.910 Individual impairment
Penurunan nilai kolektif 199.184.066 68.134.641 399.168 267.717.875 Collective impairment
Saldo akhir 366.333.826 96.631.075 407.884 463.372.785 Ending balance
Page 587
These Financial Statements are Originally Issued
in Indonesian Language
Ekshibit E/95 Exhibit E/95
PT BANK MASPION INDONESIA TBK PT BANK MASPION INDONESIA TBK
CATATAN ATAS LAPORAN KEUANGAN NOTES TO FINANCIAL STATEMENTS
UNTUK TAHUN YANG BERAKHIR PADA FOR THE YEAR ENDED
31 DESEMBER 2024 31 DECEMBER 2024
(Disajikan dalam ribuan Rupiah, kecuali dinyatakan lain) (Expressed in thousands of Rupiah, unless otherwise stated)
35. MANAJEMEN RISIKO (Lanjutan) 35. RISK MANAGEMENT (Continued)
Risiko kredit (Lanjutan) Credit risk (Continued)
b. Risiko konsentrasi kredit (Lanjutan) b. Credit concentration risk (Continued)
(iii) Informasi mengenai aset keuangan yang (iii) The information about impaired and not
mengalami dan tidak mengalami penurunan impaired financial assets (Continued)
nilai (Lanjutan)
Kredit yang diberikan (Lanjutan) Loans (Continued)
Mutasi penyisihan berdasarkan jenis Movement of allowance by type of loans as
pinjaman yang diberikan pada tanggal of 31 December 2023:
31 Desember 2023:
Modal kerja/ Investasi/ Konsumsi/ Jumlah/
Working capital Investment Consumer Total
Saldo awal 40.529.083 7.680.476 2.806.903 51.016.462 Beginning balance
Penyisihan tahun berjalan 29.968.664 52.401.461 1.777.436 84.147.561 Provision during the year
Selisih kurs 12.987 - - 12.987 Exchange rate differences
Saldo akhir 70.510.734 60.081.937 4.584.339 135.177.010 Ending balance
Penurunan nilai individual 33.429.881 24.806.605 3.939.934 62.176.420 Individual impairment
Penurunan nilai kolektif 37.080.853 35.275.332 644.405 73.000.590 Collective impairment
Saldo akhir 70.510.734 60.081.937 4.584.339 135.177.010 Ending balance
(iv) Tabel di bawah menunjukkan kualitas aset (iv) The tables below shows the quality of
keuangan berdasarkan golongan aset untuk financial asset by class of assets for all
semua aset keuangan yang mempunyai risiko financial assets with credit risk (gross of
kredit (bruto cadangan kerugian penurunan allowance for impairment losses):
nilai):
2024
Belum jatuh tempo dan tidak
mengalami penurunan nilai/
Neither past due nor impaired
Jatuh tempo dan
Tingkat tidak mengalami Mengalami
standar/ penurunan nilai/ penurunan
Tingkat tinggi/ Standard Past due but not nilai/ Jumlah/
High grade grade impaired Impaired Total
Aset Assets
Current accounts with
Giro pada Bank Indonesia 831.846.950 - - - 831.846.950 Bank Indonesia
Current accounts with
Giro pada bank lain 145.306.753 - - 3.373 145.310.126 other banks
Penempatan pada Bank Placements with Bank
Indonesia dan bank lain 216.475.726 - - - 216.475.726 Indonesia and other banks
Efek-efek 3.015.139.404 - - - 3.015.139.404 Marketable securities
Efek-efek yang dibeli Securities purchased
dengan janji dijual under agreements
kembali 792.724.271 - - - 792.724.271 to resell
Tagihan akseptasi 2.575.179 - - - 2.575.179 Acceptance receivables
Kredit yang diberikan Loans
Modal kerja 12.975.339.123 435.131.128 123.335 442.123.809 13.852.717.395 Working capital
Investasi 2.144.989.420 234.678.532 411.293 91.200.899 2.471.280.144 Investment
Konsumsi 100.002.950 12.195.229 244.367 1.814.206 114.256.752 Consumer
Bunga yang akan diterima 84.496.136 - 1.894.192 - 86.390.328 Interest receivables
Aset lain-lain*) 8.618 - - - 8.618 Other assets*)
Jumlah 20.308.904.530 682.004.889 2.673.187 535.142.287 21.528.724.893 Total
Dikurangi: Cadangan Less: Allowance for
kerugian penurunan nilai ( 208.447.917) ( 59.411.947) ( 6.629) ( 195.658.283) ( 463.524.776) impairment losses
Bersih 20.100.456.613 622.592.942 2.666.558 339.484.004 21.065.200.117 Net
*) Aset lain-lain terdiri dari provisi dan komisi yang akan diterima *) Other assets consist of fee and commissions receivables
Page 588
These Financial Statements are Originally Issued
in Indonesian Language
Ekshibit E/96 Exhibit E/96
PT BANK MASPION INDONESIA TBK PT BANK MASPION INDONESIA TBK
CATATAN ATAS LAPORAN KEUANGAN NOTES TO FINANCIAL STATEMENTS
UNTUK TAHUN YANG BERAKHIR PADA FOR THE YEAR ENDED
31 DESEMBER 2024 31 DECEMBER 2024
(Disajikan dalam ribuan Rupiah, kecuali dinyatakan lain) (Expressed in thousands of Rupiah, unless otherwise stated)
35. MANAJEMEN RISIKO (Lanjutan) 35. RISK MANAGEMENT (Continued)
Risiko kredit (Lanjutan) Credit risk (Continued)
b. Risiko konsentrasi kredit (Lanjutan) b. Credit concentration risk (Continued)
(iv) Tabel di bawah menunjukkan kualitas aset (iv) The tables below shows the quality of
keuangan berdasarkan golongan aset untuk financial asset by class of assets for all
semua aset keuangan yang mempunyai risiko financial assets with credit risk (gross of
kredit (bruto cadangan kerugian penurunan allowance for impairment losses):
nilai): (Lanjutan) (Continued)
2023
Belum jatuh tempo dan tidak
mengalami penurunan nilai/
Neither past due nor impaired
Jatuh tempo dan
Tingkat tidak mengalami Mengalami
standar/ penurunan nilai/ penurunan
Tingkat tinggi/ Standard Past due but not nilai/ Jumlah/
High grade grade impaired Impaired Total
Aset Assets
Current accounts with
Giro pada Bank Indonesia 1.070.749.633 - - - 1.070.749.633 Bank Indonesia
Current accounts with
Giro pada bank lain 96.793.585 - - 3.429 96.797.014 other banks
Penempatan pada Bank Placements with Bank
Indonesia dan bank lain 399.941.701 - - - 399.941.701 Indonesia and other banks
Efek-efek 2.431.540.231 - - - 2.431.540.231 Marketable securities
Efek-efek yang dibeli Securities purchased
dengan janji dijual under agreements
kembali 1.409.355.118 - - - 1.409.355.118 to resell
Tagihan akseptasi 3.918.368 - - - 3.918.368 Acceptance receivables
Kredit yang diberikan Loans
Modal kerja 9.822.920.739 597.779.953 241.702 225.635.995 10.646.578.389 Working capital
Investasi 2.074.783.699 295.205.915 654.410 101.258.937 2.471.902.961 Investment
Konsumsi 111.134.591 848.603 8.049 15.966.582 127.957.825 Consumer
Bunga yang akan diterima 79.687.772 - 9.075.733 - 88.763.505 Interest receivables
Aset lain-lain*) 8.772 - - - 8.772 Other assets*)
Jumlah 17.500.834.209 893.834.471 9.979.894 342.864.943 18.747.513.517 Total
Dikurangi: Cadangan Less: Allowance for
kerugian penurunan nilai ( 40.430.689) ( 33.860.043) ( 63.699) ( 62.179.849) ( 136.534.280) impairment losses
Bersih 17.460.403.520 859.974.428 9.916.195 280.685.094 18.610.979.237 Net
*) Aset lain-lain terdiri dari provisi dan komisi yang akan diterima *) Other assets consist of fee and commissions receivables
Kualitas kredit didefinisikan sebagai berikut: The credit quality are defined as follows:
Tingkat tinggi High grade
(a) Giro pada Bank Indonesia, giro pada bank (a) Current accounts with Bank Indonesia,
lain dan penempatan pada Bank Indonesia current accounts with other banks and
yaitu giro atau penempatan pada institusi placements with Bank Indonesia are current
Pemerintah, transaksi dengan bank yang accounts or placements with government
memiliki reputasi baik dengan tingkat institution, transaction with reputable
kemungkinan gagal bayar atas kewajiban banks with low probability of default for its
yang rendah. liabilities.
(b) Kredit yang diberikan dan bunga yang akan (b) Loans and interest receivables are
diterima, yaitu debitur dengan riwayat receivables from borrowers with very
pembayaran yang sangat baik dan tidak satisfactory track record of loan repayment
pernah menunggak sepanjang jangka waktu and whose accounts did not turn past due
kredit, debitur dengan tingkat stabilitas dan during the term of the loan, borrowers with
keragaman yang tinggi, memiliki akses high degree of stability and diversity, has
setiap saat untuk memperoleh pendanaan access to raise substantial amounts of funds
dalam jumlah besar dari pasar terbuka, through public market at any time, very
memiliki kemampuan membayar yang kuat strong debt service capacity and has
dan rasio-rasio laporan posisi keuangan yang conservative statement of financial position
konservatif. ratios.
(c) Efek-efek dan efek-efek yang dibeli dengan (c) Marketable securities and securities
janji dijual kembali yaitu efek-efek yang purchased under agreements to resell are
dikeluarkan oleh Pemerintah, efek-efek Sovereign securities, investment grade
yang termasuk dalam investment grade securities with a rating of at least
dengan rating minimal BBB- (Pefindo) atau BBB- (Pefindo) or Baa3 (Moody’s).
Baa3 (Moody’s).
Page 589
These Financial Statements are Originally Issued
in Indonesian Language
Ekshibit E/97 Exhibit E/97
PT BANK MASPION INDONESIA TBK PT BANK MASPION INDONESIA TBK
CATATAN ATAS LAPORAN KEUANGAN NOTES TO FINANCIAL STATEMENTS
UNTUK TAHUN YANG BERAKHIR PADA FOR THE YEAR ENDED
31 DESEMBER 2024 31 DECEMBER 2024
(Disajikan dalam ribuan Rupiah, kecuali dinyatakan lain) (Expressed in thousands of Rupiah, unless otherwise stated)
35. MANAJEMEN RISIKO (Lanjutan) 35. RISK MANAGEMENT (Continued)
Risiko kredit (Lanjutan) Credit risk (Continued)
b. Risiko konsentrasi kredit (Lanjutan) b. Credit concentration risk (Continued)
Kualitas kredit didefinisikan sebagai berikut: The credit quality are defined as follows:
(Lanjutan) (Continued)
Tingkat standar Standard grade
(a) Giro pada bank lain yaitu giro atau (a) Current accounts with other banks are
penempatan pada bank lokal yang tidak current accounts or placements with the
terdaftar di bursa. local banks not listed in the stock exchange.
(b) Kredit yang diberikan dan bunga yang akan (b) Loans and interest receivables are
diterima yaitu debitur dengan riwayat receivables from borrowers who have an
pembayaran yang baik dan tidak pernah average track record of loan repayment and
menunggak 90 hari atau lebih, akses whose account did not turn past due for 90
terbatas ke pasar modal atau ke pasar days and over, smaller corporations with
keuangan lainnya, perubahan tingkat limited access to public capital markets or
pendapatan dan kinerja keseluruhan, to alternative financial market, volatility
memiliki kemampuan membayar yang of earnings and overall performance, debt
cukup. service capacity is adequate.
(c) Efek-efek dan efek-efek yang dibeli dengan (c) Marketable securities and securities
janji dijual kembali yaitu efek-efek dengan purchased under agreements to resell are
rating antara idBB+ sampai dengan idB securities with a rating between idBB+ to
(Pefindo) atau Ba1 sampai dengan B2 idB (Pefindo) or Ba1 to B2 (Moody’s).
(Moody’s).
(v) Analisis umur kredit yang jatuh tempo tetapi (v) The aging analysis of past due but not
tidak mengalami penurunan nilai pada impaired loans as of 31 December 2024 and
tanggal 31 Desember 2024 dan 31 December 2023:
31 Desember 2023:
2024
Kurang dari Lebih dari
30 hari/ 31 sampai 61 sampai 90 hari/
Less than 60 hari/ 90 hari/ More than Jumlah/
30 days 31 to 60 days 61 to 90 days 90 days Total
Modal kerja - 123.335 - - 123.335 Working capital
Investasi 316.055 95.238 - - 411.293 Investment
Konsumsi 136.159 108.208 - - 244.367 Consumer
Jumlah 452.214 326.781 - - 778.995 Total
2023
Kurang dari Lebih dari
30 hari/ 31 sampai 61 sampai 90 hari/
Less than 60 hari/ 90 hari/ More than Jumlah/
30 days 31 to 60 days 61 to 90 days 90 days Total
Modal kerja 337 151.902 89.463 - 241.702 Working capital
Investasi 38.332 90.193 525.885 - 654.410 Investment
Konsumsi 227 7.822 - - 8.049 Consumer
Jumlah 38.896 249.917 615.348 - 904.161 Total
Risiko pasar Market risk
Risiko pasar adalah risiko yang terjadi pada posisi Market risk is the risks on the statement of financial
laporan posisi keuangan dan rekening administratif, position and administrative accounts due to changes
karena adanya perubahan variabel pasar yaitu tingkat in market variables which consist of interest rates
suku bunga dan nilai tukar. Risiko pasar melekat pada and exchange rates. Market risk is an inherent risk in
hampir seluruh kegiatan operasional Bank baik pada most of the Bank operational activity involving the
banking book maupun trading book. banking books and the trading books.
Pengelolaan risiko pasar dilakukan sesuai dengan Management of market risk is performed in
kebijakan dan prosedur Bank yang berkaitan dengan accordance with the Bank policies and procedures
produk dan jasa serta aktivitas treasury dan risiko related with the products and services and also
yang melekat pada bisnis. treasury activities and the inherent risk of the
business.
Page 590
These Financial Statements are Originally Issued
in Indonesian Language
Ekshibit E/98 Exhibit E/98
PT BANK MASPION INDONESIA TBK PT BANK MASPION INDONESIA TBK
CATATAN ATAS LAPORAN KEUANGAN NOTES TO FINANCIAL STATEMENTS
UNTUK TAHUN YANG BERAKHIR PADA FOR THE YEAR ENDED
31 DESEMBER 2024 31 DECEMBER 2024
(Disajikan dalam ribuan Rupiah, kecuali dinyatakan lain) (Expressed in thousands of Rupiah, unless otherwise stated)
35. MANAJEMEN RISIKO (Lanjutan) 35. RISK MANAGEMENT (Continued)
Risiko pasar (Lanjutan) Market risk (Continued)
a. Risiko tingkat suku bunga a. Interest rate risk
Risiko suku bunga timbul akibat perubahan harga instrumen keuangan dari Interest rate risk is risk as the effect of changes in the financial instrument
posisi trading book atau akibat perubahan nilai ekonomis posisi banking book, prices from the trading book position or the effect of changes of the economic
karena perubahan suku bunga. value position of the banking book because of the change in the interest rate.
Pengelolaan risiko suku bunga dilakukan pada eksposur banking book, dengan Management of interest rate risk is performed on the banking book exposure
memperhatikan posisi gap aset dan liabilitas Bank yang sensitif terhadap by considering the gap position of the Bank’s assets and liabilities, which are
pergerakan suku bunga yang mempengaruhi stabilitas tingkat profitabilitas sensitive to interest rate movements, which influence the stability of the
Bank. Bank’s profitability level.
Tabel di bawah ini merupakan kisaran tingkat suku bunga kontraktual per tahun The tables below summarize the range of contractual interest rates per annum
untuk aset dan liabilitas yang signifikan pada tanggal 31 Desember 2024 dan for significant assets and liabilities as of 31 December 2024 and
2023: 2023:
2024
Dolar Amerika
Serikat/ Euro Eropa/
United States European Yuan China/ Dolar Hongkong/ Dolar Singapura/ Dolar Australia/ Baht Thailand/
Rupiah Dollar Euro Chinese Yuan Hongkong Dollar Singapore Dollar Australia Dollar Thailand Baht
% % % % % % % %
Aset Assets
Current accounts with
Giro pada Bank Indonesia 1,50% 0,00% - - - - - - Bank Indonesia
Current accounts with
Giro pada bank lain 0,00% - 0,50% 0,00% - 5,20% 0,00% 0,35% - 0,50% 0,00% 0,00% 0,00% 0,00% other banks
Penempatan pada Bank Placement with Bank
Indonesia dan bank lain 5,25% - 7,75% - - - - - - - Indonesia and other banks
Efek-efek 6,38% - 10,50% - - - - - - - Marketable securities
Efek-efek yang dibeli Securities purchased
dengan janji dijual under agreements
kembali 6,00% - 6,90% - - - - - - - to resell
Kredit yang diberikan 7,00% - 18,00% 4,75% - 7,21% - - - - - - Loans
Liabilitas Liabilities
Simpanan dari nasabah 0,00% - 8,75% 0,00% - 5,50% - - - - - - Deposits from customers
Simpanan dari bank Deposits from other
lain 0,00% - 6,75% - - - - - - - Banks
Call money - 4,63% – 6,25% - - - - - - Call money
Page 591
These Financial Statements are Originally Issued
in Indonesian Language
Ekshibit E/99 Exhibit E/99
PT BANK MASPION INDONESIA TBK PT BANK MASPION INDONESIA TBK
CATATAN ATAS LAPORAN KEUANGAN NOTES TO FINANCIAL STATEMENTS
UNTUK TAHUN YANG BERAKHIR PADA FOR THE YEAR ENDED
31 DESEMBER 2024 31 DECEMBER 2024
(Disajikan dalam ribuan Rupiah, kecuali dinyatakan lain) (Expressed in thousands of Rupiah, unless otherwise stated)
35. MANAJEMEN RISIKO (Lanjutan) 35. RISK MANAGEMENT (Continued)
Risiko pasar (Lanjutan) Market risk (Continued)
a. Risiko tingkat suku bunga (Lanjutan) a. Interest rate risk (Continued)
Tabel di bawah ini merupakan kisaran tingkat suku bunga kontraktual per tahun The tables below summarize the range of contractual interest rates per annum
untuk aset dan liabilitas yang signifikan pada tanggal 31 Desember 2024 dan for significant assets and liabilities as of 31 December 2024 and
2023: (Lanjutan) 2023: (Continued)
2023
Dolar Amerika
Serikat/ Euro Eropa/
United States European Yuan China/ Dolar Hongkong/ Dolar Singapura/ Dolar Australia/ Baht Thailand/
Rupiah Dollar Euro Chinese Yuan Hongkong Dollar Singapore Dollar Australia Dollar Thailand Baht
% % % % % % % %
Aset Assets
Current accounts with
Giro pada Bank Indonesia 1,50% 0,00% - - - - - - Bank Indonesia
Current accounts with
Giro pada bank lain 0,00% - 0,55% 0,00% - 5,20% 0,00% 0,00% - 0,50% 0,00% 0,00% 0,00% 0,00% other banks
Penempatan pada Bank Placement with Bank
Indonesia dan bank lain 4,75% - 6,25% - - - - - - - Indonesia and other banks
Efek-efek 6,37% - 10,50% - - - - - - - Marketable securities
Efek-efek yang dibeli Securities purchased
dengan janji dijual under agreements
kembali 5,50% - 6,45% - - - - - - - to resell
Kredit yang diberikan 7,00% - 17,23% 4,15% - 6,96% - - - - - - Loans
Liabilitas Liabilities
Simpanan dari nasabah 0,00% - 6,75% 0,00% - 5,25% - - - - - - Deposits from customers
Simpanan dari bank Deposits from other
lain 0,00% - 6,25% 0,00% - 6,25% - - - - - - banks
Page 592
These Financial Statements are Originally Issued
in Indonesian Language
Ekshibit E/100 Exhibit E/100
PT BANK MASPION INDONESIA TBK PT BANK MASPION INDONESIA TBK
CATATAN ATAS LAPORAN KEUANGAN NOTES TO FINANCIAL STATEMENTS
UNTUK TAHUN YANG BERAKHIR PADA FOR THE YEAR ENDED
31 DESEMBER 2024 31 DECEMBER 2024
(Disajikan dalam ribuan Rupiah, kecuali dinyatakan lain) (Expressed in thousands of Rupiah, unless otherwise stated)
35. MANAJEMEN RISIKO (Lanjutan) 35. RISK MANAGEMENT (Continued)
Risiko pasar (Lanjutan) Market risk (Continued)
a. Risiko tingkat suku bunga (Lanjutan) a. Interest rate risk (Continued)
Tabel di bawah ini mengikhtisarkan eksposur Bank The tables below summarize the Bank’s exposure
terhadap risiko tingkat suku bunga (bersih): to interest rate risk (net):
2024
Suku bunga mengambang/
Floating interest rate
Lebih dari 3
bulan tetapi
tidak lebih
dari 1 tahun/ Tidak
Tidak lebih More than Suku bunga dikenakan
dari 3 bulan/ 3 months but tetap/ bunga/
Not more than less than Fixed Non-interest Jumlah/
3 months 1 year interest rate bearing Total
Aset Keuangan Financial Assets
Kas - - - 137.959.584 137.959.584 Cash
Current accounts with
Giro pada Bank Indonesia 778.473.355 - - 53.373.595 831.846.950 Bank Indonesia
Current accounts with
Giro pada bank lain 124.544.579 - - 20.696.806 145.241.385 other banks
Penempatan pada Bank Indonesia Placements with Bank Indonesia
dan bank lain 216.453.233 - - - 216.453.233 and other banks
Efek-efek - 3.015.139.404 - - 3.015.139.404 Marketable securities
Efek-efek yang dibeli dengan janji Securities purchased under
dijual kembali 792.724.271 - - - 792.724.271 agreements to resell
Tagihan akseptasi - - - 2.566.471 2.566.471 Acceptance receivables
Kredit yang diberikan 15.972.486.668 - 2.384.393 10.445 15.974.881.506 Loans
Bunga yang akan diterima - - - 86.338.279 86.338.279 Interest receivables
Aset lain-lain*) - - - 8.618 8.618 Other assets*)
Jumlah aset keuangan 17.884.682.106 3.015.139.404 2.384.393 300.953.798 21.203.159.701 Total financial assets
Liabilitas Keuangan Financial Liabilities
Liabilitas segera - - - 1.558.076 1.558.076 Liabilities due immediately
Simpanan dari nasabah Deposits from customers
Giro 1.945.490.709 - - - 1.945.490.709 Current accounts
Tabungan 1.046.404.905 - - - 1.046.404.905 Savings accounts
Deposito berjangka 9.594.558.255 663.607.641 - - 10.258.165.896 Time deposits
Simpanan dari bank lain 2.300.132.044 48.140.000 - - 2.348.272.044 Deposits from other banks
Liabilitas akseptasi - - - 2.575.179 2.575.179 Acceptance liabilities
Liabilitas lain-lain**) - - - 144.580.489 144.580.489 Other liabilities**)
Jumlah liabilitas keuangan 14.886.585.913 711.747.641 - 148.713.744 15.747.047.298 Total financial liabilities
Gap repricing suku bunga, bersih 2.998.096.193 2.303.391.763 2.384.393 152.240.054 5.456.112.403 Net interest repricing gap
Page 593
These Financial Statements are Originally Issued
in Indonesian Language
Ekshibit E/101 Exhibit E/101
PT BANK MASPION INDONESIA TBK PT BANK MASPION INDONESIA TBK
CATATAN ATAS LAPORAN KEUANGAN NOTES TO FINANCIAL STATEMENTS
UNTUK TAHUN YANG BERAKHIR PADA FOR THE YEAR ENDED
31 DESEMBER 2024 31 DECEMBER 2024
(Disajikan dalam ribuan Rupiah, kecuali dinyatakan lain) (Expressed in thousands of Rupiah, unless otherwise stated)
35. MANAJEMEN RISIKO (Lanjutan) 35. RISK MANAGEMENT (Continued)
Risiko pasar (Lanjutan) Market risk (Continued)
a. Risiko tingkat suku bunga (Lanjutan) a. Interest rate risk (Continued)
Tabel di bawah ini mengikhtisarkan eksposur Bank The tables below summarize the Bank’s exposure
terhadap risiko tingkat suku bunga (bersih): to interest rate risk (net): (Continued)
(Lanjutan)
2023
Suku bunga mengambang/
Floating interest rate
Lebih dari 3
bulan tetapi
tidak lebih
dari 1 tahun/ Tidak
Tidak lebih More than Suku bunga dikenakan
dari 3 bulan/ 3 months but tetap/ bunga/
Not more than less than Fixed Non-interest Jumlah/
3 months 1 year interest rate bearing Total
Aset Keuangan Financial Assets
Kas - - - 76.592.175 76.592.175 Cash
Current accounts with
Giro pada Bank Indonesia 899.801.797 - - 170.947.836 1.070.749.633 Bank Indonesia
Current accounts with
Giro pada bank lain 84.016.064 - - 12.763.003 96.779.067 other banks
Penempatan pada Bank Indonesia Placements with Bank Indonesia
dan bank lain 399.941.701 - - - 399.941.701 and other banks
Efek-efek - 2.431.540.231 - - 2.431.540.231 Marketable securities
Efek-efek yang dibeli dengan janji Securities purchased under
dijual kembali 1.409.355.118 - - - 1.409.355.118 agreements to resell
Tagihan akseptasi - - - 2.645.114 2.645.114 Acceptance receivables
Kredit yang diberikan 13.109.322.380 - 1.917.540 22.245 13.111.262.165 Loans
Bunga yang akan diterima - - - 88.697.436 88.697.436 Interest receivables
Aset lain-lain*) - - - 8.772 8.772 Other assets*)
Jumlah aset keuangan 15.902.437.060 2.431.540.231 1.917.540 351.676.581 18.687.571.412 Total financial assets
Liabilitas Keuangan Financial Liabilities
Liabilitas segera - - - 5.665.595 5.665.595 Liabilities due immediately
Simpanan dari nasabah Deposits from customers
Giro 917.439.154 - - - 917.439.154 Current accounts
Tabungan 1.078.919.089 - 74.968 - 1.078.994.057 Savings accounts
Deposito berjangka 8.517.396.082 517.288.924 - - 9.034.685.006 Time deposits
Simpanan dari bank lain 1.672.100.038 6.500.000 - - 1.678.600.038 Deposits from other banks
Liabilitas akseptasi - - - 3.918.368 3.918.368 Acceptance liabilities
Liabilitas lain-lain**) - - - 125.292.629 125.292.629 Other liabilities**)
Jumlah liabilitas keuangan 12.185.854.363 523.788.924 74.968 134.876.592 12.844.594.847 Total financial liabilities
Gap repricing suku bunga, bersih 3.716.582.697 1.907.751.307 1.842.572 216.799.989 5.842.976.565 Net interest repricing gap
*) Aset lain-lain terdiri dari provisi dan komisi yang akan diterima *) Other assets consist of fee and commissions receivables
**) Liabilitas lain-lain terdiri dari akrual bunga, setoran jaminan, cadangan **) Other liabilities consist of accrued interest, guarantee deposits, allowance for
kesejahteraan karyawan, liabilitas ATM Jalin, liabilitas sewa dan lain–lain employee welfare, liabilities to Jalin ATM, lease liabilities and others
Page 594
These Financial Statements are Originally Issued
in Indonesian Language
Ekshibit E/102 Exhibit E/102
PT BANK MASPION INDONESIA TBK PT BANK MASPION INDONESIA TBK
CATATAN ATAS LAPORAN KEUANGAN NOTES TO FINANCIAL STATEMENTS
UNTUK TAHUN YANG BERAKHIR PADA FOR THE YEAR ENDED
31 DESEMBER 2024 31 DECEMBER 2024
(Disajikan dalam ribuan Rupiah, kecuali dinyatakan lain) (Expressed in thousands of Rupiah, unless otherwise stated)
35. MANAJEMEN RISIKO (Lanjutan) 35. RISK MANAGEMENT (Continued)
Risiko pasar (Lanjutan) Market risk (Continued)
a. Risiko tingkat suku bunga (Lanjutan) a. Interest rate risk (Continued)
Bank menggunakan earning approach dan Bank using earning approach and economic value
economic value approach untuk mengukur risiko approach to measure interest rate risk in banking
suku bunga pada banking book. Berdasarkan book. Based on repricing gap report, Bank
laporan repricing gap, Bank melakukan analisis performs sensitivity of interest rate risk pararel
sensitivitas terhadap perubahan suku bunga 0.5% (zero point five percent) with assumption:
secara paralel sebesar 0,5% (nol koma lima (1) changes in asset’s interest rate of asset and
persen) dengan asumsi: (1) perubahan suku bunga liability is the same; and (2) changes in yield
aset sama dengan liabilitas; dan (2) perubahan curve period is the same.
sama besarnya untuk setiap jangka waktu pada
yield curve.
Tabel berikut menunjukkan sensitivitas terhadap The following table demonstrates the sensitivity
kemungkinan perubahan suku bunga yang wajar, to a reasonable possible change in interest rates,
dengan semua variabel lainnya tetap konstan, with all other variables held constant of the
dalam laporan laba rugi dan penghasilan Bank’s statement of profit or loss and other
komprehensif lain Bank pada tanggal comprehensive income as of 31 December 2024:
31 Desember 2024:
2024
Pengaruh terhadap Laporan
Laba Rugi dan Penghasilan
Komprehensif Lain/
Impact to Statement of Profit
Perubahan Persentase/ or Loss and Other
Percentage Change Comprehensive Income
Rupiah 0,50% 26.770.360 Rupiah
Bank memiliki eksposur terhadap risiko tingkat The Bank has other exposure to interest rate risks
suku bunga dalam mata uang Dolar Amerika in United States Dollar. The Bank assessed that
Serikat. Bank telah melakukan penilaian atas the impact of that interest rate risk is not
dampak dari risiko tingkat suku bunga tersebut significant.
dan hasilnya tidak signifikan.
b. Risiko nilai tukar b. Foreign exchange risk
Risiko nilai tukar adalah risiko akibat perubahan Foreign exchange risk is the risk due to changes
nilai posisi trading book dan banking book yang in the value between trading book and banking
disebabkan oleh perubahan nilai tukar valuta book caused by changes in foreign exchange
asing. rates.
Pengelolaan risiko nilai tukar dilakukan dengan Exchange rate risk is managed by monitoring
memantau perkembangan Posisi Devisa Neto the Bank’s Net Open Position (“PDN”)
(“PDN”) bank (Catatan 41). (Note 41).
Risiko likuiditas Liquidity risk
Risiko likuiditas adalah risiko akibat ketidakmampuan Liquidity risk is the risk which is caused by the Bank’s
Bank untuk memenuhi kewajiban yang jatuh tempo inability to fulfil its obligations when they become
dari sumber pendanaan arus kas dan/atau dari aset due from cash flow financing sources and/or high
likuid berkualitas tinggi yang dapat diagunkan, tanpa quality liquid assets that can be pledged without
mengganggu aktivitas dan kondisi keuangan Bank. affecting the Bank’s activities and financial
condition.
Posisi dana pihak ketiga, likuiditas aset, liabilitas The amounts of third party funds, asset liquidity,
kepada counterparties dan komitmen kredit kepada liabilities to counterparties and loan commitments
debitur merupakan sumber potensi risiko likuiditas to debtors are potential liquidity risk sources for the
bagi Bank. Ketidakmampuan untuk menghimpun dana Bank. The inability to raise funds with tolerable cost
dengan biaya wajar akan berdampak kepada will impact the Bank’s profitability. The Bank
profitabilitas Bank. Bank mengelola risiko likuiditas manages its liquidity risk to fulfill each agreed
agar dapat memenuhi setiap kewajiban finansial yang financial liability on a timely basis and to maintain
sudah diperjanjikan secara tepat waktu, dan agar an adequate and optimum liquidity position at any
senantiasa dapat memelihara tingkat likuiditas yang time.
memadai dan optimal.
Page 595
These Financial Statements are Originally Issued
in Indonesian Language
Ekshibit E/103 Exhibit E/103
PT BANK MASPION INDONESIA TBK PT BANK MASPION INDONESIA TBK
CATATAN ATAS LAPORAN KEUANGAN NOTES TO FINANCIAL STATEMENTS
UNTUK TAHUN YANG BERAKHIR PADA FOR THE YEAR ENDED
31 DESEMBER 2024 31 DECEMBER 2024
(Disajikan dalam ribuan Rupiah, kecuali dinyatakan lain) (Expressed in thousands of Rupiah, unless otherwise stated)
35. MANAJEMEN RISIKO (Lanjutan) 35. RISK MANAGEMENT (Continued)
Risiko likuiditas (Lanjutan) Liquidity risk (Continued)
Bank melakukan pengukuran risiko likuiditas The Bank measures liquidity risk using the Liquidity
menggunakan Liquidity Risk Model dengan Risk Model based on maturity profile gap
metodologi maturity profile gap. Pengelolaan kondisi methodology. Daily liquidity condition management
likuiditas harian dilakukan oleh Treasury Unit dan is performed by the Treasury Unit and external and
perubahan eksternal serta makro ekonomi yang macro economic changes are immediately informed,
terjadi dengan segera diinformasikan dan diambil and strategy and internal policies are undertaken,
strategi serta kebijakan internal antara lain melalui among others, through the Asset and Liabilities
mekanisme Asset and Liabilities Committee (ALCO). Committee (ALCO) mechanism.
Pelaporan jatuh tempo aset dan liabilitas keuangan The maturity of the Bank’s financial assets and
Bank menurut kelompok jatuh temponya berdasarkan liabilities based on the remaining period are as
periode yang tersisa adalah sebagai berikut: follows:
2024
Lebih dari Lebih dari Lebih dari Lebih dari
Sampai dengan 1 - 3 bulan/ 3 - 6 bulan/ 6 - 12 bulan/ 12 bulan/
1 bulan/ More than More than More than More than Jumlah/
Up to 1 month 1 - 3 months 3 - 6 months 6 - 12 months 12 months Total
ASET ASSETS
Kas 137.959.584 - - - - 137.959.584 Cash
Current accounts with
Giro pada Bank Indonesia 831.846.950 - - - - 831.846.950 Bank Indonesia
Giro pada bank lain 145.241.385 - - - - 145.241.385 Current accounts with other banks
Penempatan pada Bank Placements with Bank
Indonesia dan bank lain 216.453.233 - - - - 216.453.233 Indonesia and other banks
Efek-efek 89.071.400 138.709.800 117.774.800 254.987.515 2.414.595.889 3.015.139.404 Marketable securities
Efek-efek yang dibeli dengan Securities purchased under
janji dijual kembali 788.135.764 4.588.507 - - - 792.724.271 agreements to resell
Tagihan akseptasi 1.425.707 1.140.764 - - - 2.566.471 Acceptance receivables
Kredit yang diberikan 1.191.354.016 3.749.804.574 3.340.060.421 2.385.644.965 5.308.017.530 15.974.881.506 Loans
Bunga yang akan diterima 53.930.136 14.405.197 18.002.946 - - 86.338.279 Interest receivables
Aset lain-lain*) 8.618 - - - - 8.618 Other assets*)
Jumlah aset 3.455.426.793 3.908.648.842 3.475.838.167 2.640.632.480 7.722.613.419 21.203.159.701 Total assets
LIABILITAS LIABILITIES
Liabilitas segera 641.111 867.672 34.439 14.854 - 1.558.076 Liabilities due immediately
Simpanan dari nasabah 10.174.612.226 2.411.841.644 446.344.768 217.262.872 - 13.250.061.510 Deposits from customers
Simpanan dari bank lain 1.994.407.044 316.225.000 20.440.000 17.200.000 - 2.348.272.044 Deposits from other banks
Liabilitas akseptasi 1.427.964 1.147.215 - - - 2.575.179 Acceptance liabilities
Liabilitas lain-lain**) 71.524.603 32.815.421 7.255.324 4.459.996 28.525.145 144.580.489 Other liabilities**)
Jumlah liabilitas 12.242.612.948 2.762.896.952 474.074.531 238.937.722 28.525.145 15.747.047.298 Total liabilities
Aset (liabilitas), bersih ( 8.787.186.155) 1.145.751.890 3.001.763.636 2.401.694.758 7.694.088.274 5.456.112.403 Assets (liabilities), net
2023
Lebih dari Lebih dari Lebih dari Lebih dari
Sampai dengan 1 - 3 bulan/ 3 - 6 bulan/ 6 - 12 bulan/ 12 bulan/
1 bulan/ More than More than More than More than Jumlah/
Up to 1 month 1 - 3 months 3 - 6 months 6 - 12 months 12 months Total
ASET ASSETS
Kas 76.592.175 - - - - 76.592.175 Cash
Current accounts with
Giro pada Bank Indonesia 1.070.749.633 - - - - 1.070.749.633 Bank Indonesia
Giro pada bank lain 96.779.067 - - - - 96.779.067 Current accounts with other banks
Penempatan pada Bank Placements with Bank
Indonesia dan bank lain 399.941.701 - - - - 399.941.701 Indonesia and other banks
Efek-efek - - - - 2.431.540.231 2.431.540.231 Marketable securities
Efek-efek yang dibeli dengan Securities purchased under
janji dijual kembali 1.409.355.118 - - - - 1.409.355.118 agreements to resell
Tagihan akseptasi 1.970.694 674.420 - - - 2.645.114 Acceptance receivables
Kredit yang diberikan 1.431.331.846 1.352.153.224 3.576.435.872 2.435.537.268 4.315.803.955 13.111.262.165 Loans
Bunga yang akan diterima 56.386.402 14.664.878 17.646.156 - - 88.697.436 Interest receivables
Aset lain-lain*) 8.772 - - - - 8.772 Other assets*)
Jumlah aset 4.489.586.879 1.421.021.050 3.594.082.028 2.435.537.268 6.747.344.186 18.687.571.412 Total assets
LIABILITAS LIABILITIES
Liabilitas segera 452.489 4.928.997 266.631 17.478 - 5.665.595 Liabilities due immediately
Simpanan dari nasabah 8.749.181.011 1.764.573.315 453.741.057 63.622.834 - 11.031.118.217 Deposits from customers
Simpanan dari bank lain 856.250.038 815.850.000 500.000 6.000.000 - 1.678.600.038 Deposits from other banks
Liabilitas akseptasi 2.952.756 965.612 - - - 3.918.368 Acceptance liabilities
Liabilitas lain-lain**) 69.325.054 15.861.480 18.783.796 12.229.907 9.092.392 125.292.629 Other liabilities**)
Jumlah liabilitas 9.678.161.348 2.602.179.404 473.291.484 81.870.219 9.092.392 12.844.594.847 Total liabilities
Aset (liabilitas), bersih ( 5.188.574.469) ( 1.181.158.354) 3.120.790.544 2.353.667.049 6.738.251.794 5.842.976.565 Assets (liabilities), net
*) Aset lain-lain terdiri dari provisi dan komisi yang akan diterima *) Other assets consist of fee and commissions receivables
**) Liabilitas lain-lain terdiri dari akrual bunga, setoran jaminan, cadangan kesejahteraan **) Other liabilities consist of accrued interest, guarantee deposits, allowance for employee
karyawan, liabilitas ATM Jalin, liabilitas sewa dan lain–lain welfare, liabilities to Jalin ATM, lease liabilities and others
Page 596
These Financial Statements are Originally Issued
in Indonesian Language
Ekshibit E/104 Exhibit E/104
PT BANK MASPION INDONESIA TBK PT BANK MASPION INDONESIA TBK
CATATAN ATAS LAPORAN KEUANGAN NOTES TO FINANCIAL STATEMENTS
UNTUK TAHUN YANG BERAKHIR PADA FOR THE YEAR ENDED
31 DESEMBER 2024 31 DECEMBER 2024
(Disajikan dalam ribuan Rupiah, kecuali dinyatakan lain) (Expressed in thousands of Rupiah, unless otherwise stated)
35. MANAJEMEN RISIKO (Lanjutan) 35. RISK MANAGEMENT (Continued)
Risiko likuiditas (Lanjutan) Liquidity risk (Continued)
Tabel di bawah ini merupakan sisa jatuh tempo The table below shows the remaining contractual
kontraktual dari liabilitas keuangan Bank berdasarkan maturities of the Bank’s financial liabilities based on
pada arus kas yang tidak didiskonto. undiscounted cash flows.
2024
Lebih dari Lebih dari Lebih dari Lebih dari
Sampai dengan 1 - 3 bulan/ 3 - 6 bulan/ 6 - 12 bulan/ 12 bulan/
1 bulan/ More than More than More than More than Jumlah/
Up to 1 month 1 - 3 months 3 - 6 months 6 - 12 months 12 months Total
LIABILITAS LIABILITIES
Liabilitas segera 641.111 867.672 34.439 14.854 - 1.558.076 Liabilities due immediately
Simpanan dari nasabah 10.218.711.128 2.411.841.644 446.344.768 217.262.872 - 13.294.160.412 Deposits from customers
Simpanan dari bank lain 1.999.393.649 316.225.000 20.440.000 17.200.000 - 2.353.258.649 Deposits from other banks
Liabilitas akseptasi 1.427.964 1.147.215 - - - 2.575.179 Acceptance liabilities
Liabilitas lain-lain*) 22.439.096 32.815.421 7.255.324 4.459.996 28.525.145 95.494.982 Other liabilities*)
Jumlah liabilitas 12.242.612.948 2.762.896.952 474.074.531 238.937.722 28.525.145 15.747.047.298 Total liabilities
2023
Lebih dari Lebih dari Lebih dari Lebih dari
Sampai dengan 1 - 3 bulan/ 3 - 6 bulan/ 6 - 12 bulan/ 12 bulan/
1 bulan/ More than More than More than More than Jumlah/
Up to 1 month 1 - 3 months 3 - 6 months 6 - 12 months 12 months Total
LIABILITAS LIABILITIES
Liabilitas segera 452.489 4.928.997 266.631 17.478 - 5.665.595 Liabilities due immediately
Simpanan dari nasabah 8.784.709.039 1.764.573.315 453.741.057 63.622.834 - 11.066.646.245 Deposits from customers
Simpanan dari bank lain 862.512.888 815.850.000 500.000 6.000.000 - 1.684.862.888 Deposits from other banks
Liabilitas akseptasi 2.952.756 965.612 - - - 3.918.368 Acceptance liabilities
Liabilitas lain-lain*) 27.534.176 15.861.480 18.783.796 12.229.907 9.092.392 83.501.751 Other liabilities*)
Jumlah liabilitas 9.678.161.348 2.602.179.404 473.291.484 81.870.219 9.092.392 12.844.594.847 Total liabilities
*) Liabilitas lain-lain terdiri dari akrual bunga, setoran jaminan, cadangan kesejahteraan *) Other liabilities consist of accrued interest, guarantee deposits, allowance for employee
karyawan, liabilitas ATM Jalin, liabilitas sewa dan lain–lain welfare, liabilities to Jalin ATM, lease liabilities and others
Risiko operasional Operational risk
Risiko operasional adalah risiko akibat Operational risk is the risk resulting from inadequate
ketidakcukupan dan/atau tidak berfungsinya proses and/or failure of internal processes, people,
internal, kesalahan manusia, kegagalan sistem, systems, and/or from external events which affect
dan/atau adanya kejadian-kejadian eksternal yang the Bank’s operations.
mempengaruhi operasional Bank.
Di dalam mengelola risiko operasional, risk owner ln managing operational risk, the risk owner is
bertanggung jawab atas risiko yang terjadi pada responsible for the risk that occurs in the respective
unitnya masing-masing. Tata cara pengendalian risiko units. Risk management is regulated in the Bank’s
tersebut diatur dalam kebijakan Bank secara overall policies and operational procedures in each
menyeluruh dan prosedur operasional pada setiap unit.
unit.
Metode dan kebijakan dalam pengendalian risiko The methods and policies involving operational risk
operasional dilaksanakan diantaranya melalui: management are performed, among others, through
the following:
i. Pengkajian terhadap kebijakan, pedoman, dan i. Evaluation of internal control policies, guidance,
prosedur pengendalian internal sesuai dengan and procedures in accordance with the banking
kondisi perkembangan dunia perbankan, industry development, authority policies, and
kebijakan otoritas, dan limitasi operasional yang pre-determined operational limits;
telah ditetapkan;
ii. Pengkajian dan penerapan Disaster Recovery Plan ii. Evaluation and implementation of a Disaster
sebagai langkah antisipasi atas kejadian internal Recovery Plan as the anticipated procedures to
maupun eksternal yang berpotensi menimbulkan be applied during internal and external potential
kerugian; loss events;
iii. Tindakan koreksi terhadap hasil temuan audit; iii. Implementing corrective actions based on audit
results;
iv. Pengkajian dari penerapan business contingency iv. Reviewing the implementation of the business
plan dalam pengelolaan dan pengendalian contingency plan in the management and control
aktivitas Bank. of the Bank’s activities.
Page 597
These Financial Statements are Originally Issued
in Indonesian Language
Ekshibit E/105 Exhibit E/105
PT BANK MASPION INDONESIA TBK PT BANK MASPION INDONESIA TBK
CATATAN ATAS LAPORAN KEUANGAN NOTES TO FINANCIAL STATEMENTS
UNTUK TAHUN YANG BERAKHIR PADA FOR THE YEAR ENDED
31 DESEMBER 2024 31 DECEMBER 2024
(Disajikan dalam ribuan Rupiah, kecuali dinyatakan lain) (Expressed in thousands of Rupiah, unless otherwise stated)
36. ASET DAN LIABILITAS DALAM MATA UANG ASING 36. ASSETS AND LIABILITIES DENOMINATED IN FOREIGN
CURRENCY
Posisi aset (sebelum dikurangi dengan cadangan Monetary asset position (before deducting the
kerugian penurunan nilai) dan liabilitas moneter allowance for impairment losses) and liabilities
dalam mata uang asing adalah sebagai berikut: denominated in foreign currencies are as follows:
2024 2023
Mata uang asing/ Ekuivalen Mata uang asing/ Ekuivalen
Foreign Currencies Rupiah/ Foreign Currencies Rupiah/
(angka penuh/ Equivalent in (angka penuh/ Equivalent in
full amount) Rupiah full amount) Rupiah
Aset Assets
Kas USD 15.800 254.301 USD 25.200 388.004 Cash
Current accounts with
Giro pada Bank Indonesia USD 3.300.000 53.113.500 USD 2.650.000 40.802.050 Bank Indonesia
Current accounts with other
Giro pada bank lain USD 8.943.084 143.938.932 USD 3.923.081 60.403.685 banks
CNY 188.987 416.714 CNY 24.540 53.253
EUR 12.864 215.568 EUR 12.958 220.774
AUD 13.754 137.725 AUD 8.090 85.117
SGD 10.930 129.458 SGD 6.612 77.205
THB 252.543 118.642 THB 10.567 4.753
HKD 21.676 44.937 HKD 34.986 68.948
Tagihan akseptasi USD 44.700 719.447 USD - - Acceptance receivables
CNY 194.000 427.768 CNY 118.800 257.803
Kredit yang diberikan USD 110.579.884 1.779.783.224 USD 65.004.010 1.000.866.782 Loans
Bunga yang akan diterima USD 484.701 7.801.263 USD 198.197 3.051.633 Interest receivable
Jumlah aset 1.987.101.479 1.106.280.007 Total assets
Liabilitas Liabilities
Liabilitas segera USD 3.067 49.365 USD 181 2.794 Liabilities due immediately
Simpanan dari nasabah USD 70.415.143 1.133.331.739 USD 18.971.117 292.098.286 Deposits from customers
CNY 237.089 522.779 CNY - -
Simpanan dari bank lain USD 48.000.000 772.560.000 USD 50.000.000 769.850.000 Deposits from other banks
Liabilitas akseptasi USD 44.700 719.447 USD - - Acceptance liabilities
CNY 194.000 427.768 CNY 118.800 257.803
Utang pajak USD 54.313 874.173 USD 14.348 220.923 Taxes payable
Liabilitas lain–lain USD 640.802 10.313.706 USD 516.119 7.946.688 Other liabilities
CNY 6 14 CNY 5.141 11.157
Jumlah liabilitas 1.918.798.991 1.070.387.651 Total liabilities
Aset dalam mata uang asing, Foreign currency denominated
bersih 68.302.488 35.892.356 assets, net
Page 598
These Financial Statements are Originally Issued
in Indonesian Language
Ekshibit E/106 Exhibit E/106
PT BANK MASPION INDONESIA TBK PT BANK MASPION INDONESIA TBK
CATATAN ATAS LAPORAN KEUANGAN NOTES TO FINANCIAL STATEMENTS
UNTUK TAHUN YANG BERAKHIR PADA FOR THE YEAR ENDED
31 DESEMBER 2024 31 DECEMBER 2024
(Disajikan dalam ribuan Rupiah, kecuali dinyatakan lain) (Expressed in thousands of Rupiah, unless otherwise stated)
37. NILAI WAJAR ASET DAN LIABILITAS KEUANGAN 37. FAIR VALUE OF FINANCIAL ASSETS AND LIABILITIES
Tabel di bawah ini menyajikan perbandingan antara The table below summarizes the comparison
nilai tercatat dan nilai wajar dari semua aset dan between the carrying amounts and fair values of all
liabilitas keuangan. Nilai wajar yang diungkapkan financial assets and liabilities of the Bank. The fair
adalah berdasarkan informasi relevan yang tersedia values disclosed are based on relevant information
pada tanggal 31 Desember 2024 dan 2023, dan tidak available as of 31 December 2024 and 2023 and are
diperbaharui untuk mencerminkan perubahan dalam not updated to reflect changes in market conditions
kondisi pasar yang telah terjadi setelah tanggal ini. which have occurred after these dates.
2024 2023
Nilai tercatat/ Nilai Wajar/ Nilai tercatat/ Nilai Wajar/
Carrying Value Fair Value Carrying Value Fair Value
Aset keuangan Financial assets
Kas 137.959.584 137.959.584 76.592.175 76.592.175 Cash
Current accounts with
Giro pada Bank Indonesia 831.846.950 831.846.950 1.070.749.633 1.070.749.633 Bank Indonesia
Current accounts with
Giro pada bank lain 145.241.385 145.241.385 96.779.067 96.779.067 other banks
Penempatan pada Bank Placements with Bank Indonesia
Indonesia dan bank lain 216.453.233 216.453.233 399.941.701 399.941.701 and other banks
Efek-efek 3.015.139.404 3.015.139.404 2.431.540.231 2.431.540.231 Marketable securities
Efek-efek yang dibeli dengan Securities purchased under
janji dijual kembali 792.724.271 792.724.271 1.409.355.118 1.409.355.118 agreements to resell
Tagihan akseptasi 2.566.471 2.566.471 2.645.114 2.645.114 Acceptance receivables
Kredit yang diberikan 15.974.881.506 15.974.881.506 13.111.262.165 13.111.262.165 Loans
Bunga yang akan diterima 86.338.279 86.338.279 88.697.436 88.697.436 Interest receivables
Aset lain-lain*) 8.618 8.618 8.772 8.772 Other assets*)
Jumlah 21.203.159.701 21.203.159.701 18.687.571.412 18.687.571.412 Total
Liabilitas keuangan Financial liabilities
Liabilitas segera 1.558.076 1.558.076 5.665.595 5.665.595 Liabilities due immediately
Simpanan dari nasabah 13.250.061.510 13.250.061.510 11.031.118.217 11.031.118.217 Deposits from customers
Simpanan dari bank lain 2.348.272.044 2.348.272.044 1.678.600.038 1.678.600.038 Deposits from other banks
Liabilitas akseptasi 2.575.179 2.575.179 3.918.368 3.918.368 Acceptance liabilities
Liabilitas lain-lain**) 144.580.489 144.580.489 125.292.629 125.292.629 Other liabilities**)
Jumlah 15.747.047.298 15.747.047.298 12.844.594.847 12.844.594.847 Total
*) Aset lain–lain terdiri dari provisi dan komisi yang akan diterima *) Other assets consist of fee and commissions receivables
**) Liabilitas lain-lain terdiri dari akrual bunga, setoran jaminan, cadangan **) Other liabilities consist of accrued interest, guarantee deposits,
kesejahteraan karyawan, liabilitas ATM Jalin, liabilitas sewa dan lain–lain allowance for employee welfare, liabilities to Jalin ATM, lease liabilities
and others
Tabel di bawah ini menyajikan instrumen keuangan The tables below show the financial instruments
yang diakui pada nilai wajar berdasarkan hierarki recognized at fair value based on the hierarchy used
yang digunakan Bank untuk menentukan dan by the Bank in determining and disclosing the fair
mengungkapkan nilai wajar dari instrumen keuangan: value of financial instruments:
(i) Tingkat 1: harga kuotasian (tanpa penyesuaian) (i) Level 1: quoted prices (unadjusted) in active
di pasar aktif untuk aset atau liabilitas yang markets for identical assets or liabilities which
identik yang dapat diakses pada tanggal are accessible at the measurement date.
pengukuran.
(ii) Tingkat 2: input selain harga kuotasian yang (ii) Level 2: inputs other than quoted prices
termasuk dalam tingkat 1 yang dapat included in level 1 that are observable for the
diobservasi untuk aset dan liabilitas, baik assets and liabilities, either directly or
secara langsung atau tidak langsung. indirectly.
(iii) Tingkat 3: input yang tidak dapat diobservasi (iii) Level 3: inputs that are not observable for the
untuk aset dan liabilitas. assets and liabilities.
2024
Nilai Wajar/ Tingkat 1/ Tingkat 2/ Tingkat 3/
Fair Value Level 1 Level 2 Level 3
Aset keuangan Financial assets
Biaya perolehan diamortisasi Amortized cost
Efek-efek 2.074.746.900 2.074.746.900 - - Marketable securities
Efek-efek yang dibeli dengan janji Securities purchased
dijual kembali 792.724.271 792.724.271 - - under agreements to resell
Kredit yang diberikan 15.974.881.506 - 10.307.063.510 5.667.817.996 Loans
Diukur pada nilai wajar melalui
penghasilan komprehensif lain Fair value through OCI
Efek-efek 940.392.504 940.392.504 - - Marketable securities
Page 599
These Financial Statements are Originally Issued
in Indonesian Language
Ekshibit E/107 Exhibit E/107
PT BANK MASPION INDONESIA TBK PT BANK MASPION INDONESIA TBK
CATATAN ATAS LAPORAN KEUANGAN NOTES TO FINANCIAL STATEMENTS
UNTUK TAHUN YANG BERAKHIR PADA FOR THE YEAR ENDED
31 DESEMBER 2024 31 DECEMBER 2024
(Disajikan dalam ribuan Rupiah, kecuali dinyatakan lain) (Expressed in thousands of Rupiah, unless otherwise stated)
37. NILAI WAJAR ASET DAN LIABILITAS KEUANGAN 37. FAIR VALUE OF FINANCIAL ASSETS AND LIABILITIES
(Lanjutan) (Continued)
Tabel di bawah ini menyajikan instrumen keuangan The tables below show the financial instruments
yang diakui pada nilai wajar berdasarkan hierarki recognized at fair value based on the hierarchy used
yang digunakan Bank untuk menentukan dan by the Bank in determining and disclosing the fair
mengungkapkan nilai wajar dari instrumen keuangan value of financial instruments (Continued):
(Lanjutan):
2023
Nilai Wajar/ Tingkat 1/ Tingkat 2/ Tingkat 3/
Fair Value Level 1 Level 2 Level 3
Aset keuangan Financial assets
Biaya perolehan diamortisasi Amortized cost
Efek-efek 2.081.565.031 2.081.565.031 - - Marketable securities
Efek-efek yang dibeli dengan janji Securities purchased
dijual kembali 1.409.355.118 1.409.355.118 - - under agreements to resell
Kredit yang diberikan 13.111.262.165 - 6.875.193.829 6.236.068.336 Loans
Diukur pada nilai wajar melalui
penghasilan komprehensif lain Fair value through OCI
Efek-efek 349.975.200 349.975.200 - - Marketable securities
(i) Kredit yang diberikan (i) Loans
Portofolio kredit Bank secara umum terdiri dari Generally, the Bank’s portfolio consists of loans
kredit yang diberikan dengan suku bunga with floating interest rate and short-term loans
mengambang dan kredit yang diberikan jangka with fixed interest rate. Loans are stated at
pendek dengan suku bunga tetap. Kredit yang amortized cost. The estimated fair value of
diberikan dinyatakan berdasarkan harga loans represents the discounted amount of
perolehan diamortisasi. Nilai wajar dari kredit estimated future cash flows expected to be
yang diberikan menunjukkan nilai diskonto dari received by the Bank using the current market
perkiraan arus kas masa depan yang diharapkan rates.
akan diterima oleh Bank dengan menggunakan
suku bunga pasar saat ini.
Nilai tercatat dari kredit yang diberikan dengan The carrying amount of floating rate loans and
suku bunga mengambang dan nilai tercatat atas short-term fixed rate loans are the reasonable
kredit jangka pendek dengan suku bunga tetap approximation of their fair values.
adalah perkiraan yang layak atas nilai wajar.
(ii) Liabilitas segera, simpanan dari nasabah dan (ii) Liabilities due immediately, deposits from
simpanan dari bank lain dan liabilitas lain-lain customers and deposits from other banks and
other liabilities
Estimasi nilai wajar liabilitas segera dan The estimated fair value of liabilities due
simpanan tanpa jatuh tempo adalah sebesar immediately and deposits with no specified
jumlah terutang ketika liabilitas tersebut maturity represent payable amounts when the
dibayarkan. debt is paid.
Estimasi nilai wajar terhadap simpanan dengan The estimated fair value of deposits with fixed
tingkat suku bunga tetap dan liabilitas lain-lain interest rates and other liabilities that do not
yang tidak memiliki kuotasi di pasar aktif have a quotation price in an active market is
ditetapkan berdasarkan diskonto arus kas determined based on discounted cash flows
dengan menggunakan suku bunga liabilitas baru using the interest rates of new debt with
dengan sisa jatuh tempo yang serupa. Karena similar maturities. Since the maturity is below
sisa jatuh tempo di bawah satu tahun sehingga one year, the carrying amount of fixed rate
nilai tercatat dari simpanan dengan tingkat suku deposits and other liabilities are the
bunga tetap dan liabilitas lain-lain adalah reasonable approximation of their fair values.
perkiraan yang layak atas nilai wajar. Adalah There is no practice to estimate the fair value
tidak praktis untuk memperkirakan nilai wajar of security deposits due to they have no certain
dari setoran jaminan dikarenakan tidak settlement schedule, although is not expected
memiliki jangka waktu pembayaran yang tetap to be settled within 12 months after the
meskipun tidak diharapkan dapat diselesaikan reporting date, the carrying amount of other
dalam waktu 12 bulan setelah tanggal liabilities are reasonable estimates of fair
pelaporan, sehingga nilai tercatat dari liabilitas value.
lain-lain adalah perkiraan yang layak atas nilai
wajar.
Page 600
These Financial Statements are Originally Issued
in Indonesian Language
Ekshibit E/108 Exhibit E/108
PT BANK MASPION INDONESIA TBK PT BANK MASPION INDONESIA TBK
CATATAN ATAS LAPORAN KEUANGAN NOTES TO FINANCIAL STATEMENTS
UNTUK TAHUN YANG BERAKHIR PADA FOR THE YEAR ENDED
31 DESEMBER 2024 31 DECEMBER 2024
(Disajikan dalam ribuan Rupiah, kecuali dinyatakan lain) (Expressed in thousands of Rupiah, unless otherwise stated)
38. LIABILITAS IMBALAN KERJA 38. EMPLOYEE BENEFIT LIABILITIES
Liabilitas atas imbalan kerja jangka panjang lainnya The liability for other long-term employee benefits
meliputi uang jasa, uang pisah dan pesangon untuk consisted of service payments, severance and
tahun yang berakhir pada tanggal 31 Desember 2024 termination benefits for the years ended
dan 2023 sesuai dengan Peraturan Pemerintah 31 December 2024 and 2023 based on Government
No. 35/2021. Regulation No. 35/2021.
Penilaian aktuarial atas imbalan kerja jangka panjang The actuarial valuation of other long-term employee
lainnya untuk tahun yang berakhir pada tanggal benefits for the years ended 31 December 2024 and
31 Desember 2024 dan 2023 dilakukan oleh konsultan 2023, was performed by registered actuarial
aktuaria terdaftar, Steven & Mourits dengan consulting firm, Steven & Mourits using the
menggunakan metode “Projected Unit Credit” “Projected Unit Credit” method as stated in its
sebagaimana yang tercantum dalam laporan masing- report dated 3 January 2025 and 1 February 2024,
masing pada tanggal 3 Januari 2025 dan 1 Februari respectively.
2024.
Karyawan tetap yang memenuhi syarat untuk Qualified permanent employees, who are entitled
diikutsertakan dalam program pensiun iuran pasti, for defined contribution retirement program
memiliki hak atas program pensiun iuran pasti atau benefit, are entitled to benefits under defined
manfaat yang disediakan sesuai dengan Peraturan contribution plan or the benefits provided for under
Pemerintah Republik Indonesia No. 35 Tahun 2021, the Government Regulation No. 35/2021, whichever
mana yang lebih tinggi. is higher.
Pada bulan Oktober 2024, Bank menyelenggarakan In October 2024, the Bank has a Post-Employment
Program Pengelolaan Dana Kompensasi Pascakerja Compensation Fund Management Program, which is
yang dikelola dan diadministrasikan oleh Dana managed and administrated by Dana Pensiun
Pensiun Lembaga Keuangan Bank Rakyat Indonesia. Lembaga Keuangan Bank Rakyat Indonesia.
a. Mutasi liabilitas imbalan kerja adalah sebagai a. The movements in the employee benefits
berikut: liabilities are as follows:
2024 2023
Saldo awal 53.177.441 48.025.311 Beginning balance
Biaya jasa kini 9.599.304 4.894.016 Current service cost
Biaya jasa lalu ( 7.555.243) - Past service cost
Beban bunga 2.945.090 3.444.936 Interest cost
Penyesuaian liabilitas bersih Adjustment of net liabilities due to
akibat pegakuan kerja masa lalu 1.897.804 695.393 recognition of past services
Kelebihan pembayaran imbalan 9.642.171 2.612.872 Excess of benefit paid
Dibebankan ke laba rugi 16.529.126 11.647.217 Charge to profit or loss
Kerugian/(keuntungan) aktuarial: Actuarial losses/(gains):
Perubahan asumsi pengalaman 4.012.276 ( 638.616) Changes in experience assumption
Perubahan asumsi keuangan ( 1.836.864) 1.244.998 Changes in financial assumption
Imbal hasil aset program ( 32.416) - Return on plan assets
Sub-jumlah 2.142.996 606.382 Sub-total
Iuran program yang dibayarkan ( 5.600.000) - Contributions paid
Manfaat yang dibayarkan ( 3.842.586) ( 4.488.597) Benefits paid
Kelebihan pembayaran imbalan ( 9.642.171) ( 2.612.872) Excess of benefit paid
Saldo akhir 52.764.806 53.177.441 Ending balance
b. Mutasi nilai wajar aset program adalah sebagai b. The movements in the fair value of plan assets
berikut: are as follows:
2024 2023
Saldo awal - - Beginning balance
Iuran program yang dibayarkan 5.600.000 - Contributions paid
Pembayaran imbalan dari aset Benefits payment from
program ( 996.433) - plan assets
Imbal hasil aset program 32.416 - Return on plan assets
Saldo akhir 4.635.983 - Ending balance
Page 601
These Financial Statements are Originally Issued
in Indonesian Language
Ekshibit E/109 Exhibit E/109
PT BANK MASPION INDONESIA TBK PT BANK MASPION INDONESIA TBK
CATATAN ATAS LAPORAN KEUANGAN NOTES TO FINANCIAL STATEMENTS
UNTUK TAHUN YANG BERAKHIR PADA FOR THE YEAR ENDED
31 DESEMBER 2024 31 DECEMBER 2024
(Disajikan dalam ribuan Rupiah, kecuali dinyatakan lain) (Expressed in thousands of Rupiah, unless otherwise stated)
38. LIABILITAS IMBALAN KERJA (Lanjutan) 38. EMPLOYEE BENEFIT LIABILITIES (Continued)
c. Mutasi kerugian aktuarial adalah sebagai berikut: c. The movements in the actuarial loss are as
follows:
2024 2023
Saldo awal 37.524.112 36.917.730 Beginning balance
Penghasilan komprehensif lain Current year other
tahun berjalan 2.142.996 606.382 comprehensive income
Saldo akhir 39.667.108 37.524.112 Ending balance
Asumsi aktuarial utama yang digunakan aktuaris The principal actuarial assumptions used by the
untuk menentukan estimasi liabilitas imbalan kerja actuary to estimate the liability for employee
karyawan adalah sebagai berikut: benefits are as follows:
31 Desember/ 31 Desember/
December 2024 December 2023
Tingkat mortalita TMI4 TMI4 Mortality rate
Tingkat cacat 5,00% 5,00% Disability rate
Tingkat pengunduran diri Turnover rate
Usia s.d. 29 tahun 10,00% 10,00% Age until 29 years
Usia 30 - 40 tahun 5,00% 5,00% Age 30 - 40 years
Usia 41 - 45 tahun 3,00% 3,00% Age 41 - 45 years
Usia 46 - 50 tahun 2,00% 2,00% Age 46 - 50 years
Usia 51 - 54 tahun 1,00% 1,00% Age 51 - 54 years
Tingkat kenaikan gaji tahunan 8,00% 8,00% Annual rate of salary increases
Tingkat diskonto 7,13% 6,74% Discount rate
58 tahun/ 58 tahun/
Usia normal pensiun 58 years old 58 years old Normal retirement age
Durasi rata-rata kewajiban manfaat pasti adalah The average duration of defined benefits obligation
15,56 tahun. is 15.56 years.
Analisis profil jatuh tempo pembayaran program Maturity profile analysis of defined benefit
imbalan pasti adalah sebagai berikut: obligation payment are as follows:
31 Desember/December 2024
< 1 tahun/ 1 - 4 tahun/ 5 - 10 tahun/ > 10 tahun/ Jumlah/
< 1year 1-4 years 5 - 10 years > 10 years Total
5.423.319 16.153.491 64.364.535 632.876.098 718.817.443
Bank mencatat estimasi liabilitas imbalan kerja The Bank recorded estimated liabilities on employee
masing-masing sebesar Rp52.764.806 dan benefit amounted to Rp52,764,806 and Rp53,177,441
Rp53.177.441 pada tanggal 31 Desember 2024 dan as of 31 December 2024 and 2023, respectively, and
2023 yang dibukukan sebagai bagian dari akun presented as part of “Other Liabilities - Employee
“Liabilitas Lain-lain - Imbalan Kerja” pada laporan Benefits” in the statement of financial positions
posisi keuangan (Catatan 22). Beban yang diakui (Note 22). The related expenses recorded in the
dalam laporan laba rugi dan penghasilan statement of profit or loss and other comprehensive
komprehensif lain masing-masing sebesar income amounted to Rp16,529,126 and Rp11,647,217
Rp16.529.126 dan Rp11.647.217 untuk tahun yang for the years ended 31 December 2024 and 2023,
berakhir pada tanggal 31 Desember 2024 dan 2023 respectively, and presented as part of ”Other
dan disajikan sebagai bagian dari akun “Beban Operating Expenses - Salaries and Allowances -
Operasional Lainnya - Gaji dan Tunjangan - Gaji, Salaries, Wages and Employee Benefits” (Note 29).
Upah dan Imbalan Kerja” (Catatan 29).
Page 602
These Financial Statements are Originally Issued
in Indonesian Language
Ekshibit E/110 Exhibit E/110
PT BANK MASPION INDONESIA TBK PT BANK MASPION INDONESIA TBK
CATATAN ATAS LAPORAN KEUANGAN NOTES TO FINANCIAL STATEMENTS
UNTUK TAHUN YANG BERAKHIR PADA FOR THE YEAR ENDED
31 DESEMBER 2024 31 DECEMBER 2024
(Disajikan dalam ribuan Rupiah, kecuali dinyatakan lain) (Expressed in thousands of Rupiah, unless otherwise stated)
38. LIABILITAS IMBALAN KERJA (Lanjutan) 38. EMPLOYEE BENEFIT LIABILITIES (Continued)
Tabel di bawah ini menyajikan sensitivitas nilai kini The following table demonstrates the sensitivity of
kewajiban dan biaya jasa kini terhadap perubahan present value of obligation and current service cost
wajar dalam suku bunga pasar dan tingkat kenaikan to reasonably possible change in market interest
gaji, dengan asumsi variabel lain dianggap tetap, rates and salary increase rate, with all variables held
pada tanggal 31 Desember 2024: constant, as of 31 December 2024:
Biaya Jasa Kini/ Nilai Kini Liabilitas/
Current Service Present Value of
Cost Obligation
Kenaikan tingkat diskonto Increase in discount rate by
100 basis poin ( 698.193) 461.010 100 basis point
Penurunan tingkat diskonto Decrease in discount rate by
100 basis poin 790.486 9.362.839 100 basis point
Kenaikan tingkat kenaikan gaji Increase in salary increase rate by
100 basis poin 839.914 9.658.403 100 basis point
Penurunan tingkat kenaikan gaji Decrease in salary increase rate by
100 basis poin ( 757.794) 104.616 100 basis point
39. LIABILITAS KONTINJENSI 39. CONTINGENT LIABILITIES
a. Tanggal 6 September 2019 eks Debitur atas nama a. On 6 September 2019, Sugiharto the ex Debtor's
Sugiharto mengajukan gugatan perkara lawsuit No. 252/Pdt.G/2019/PN. Skt at the
No. 252/Pdt.G/2019/PN. Skt di Pengadilan Negeri Surakarta District Court where the Bank is the
Surakarta dimana Bank sebagai Tergugat I dan first Defendant and it was decided that the
telah diputus bahwa Kasasi Debitur ditolak pada Debtor's Cassation was rejected on 22 June 2021.
tanggal 22 Juni 2021. Tanggal 25 Agustus 2020 eks On 25 August 2020, the ex Debtor filed another
Debitur mengajukan gugatan untuk membatalkan lawsuit to cancel the auction on 16 September
pelaksanaan lelang pada tanggal 16 September 2020 in Case No. 170/Pdt.G/2020/PN. Skt and the
2020 dalam Perkara No. 170/Pdt.G/2020/PN. Skt Bank as Defendant I, the verdict of the Panel of
dan Bank sebagai Tergugat I, Putusan Majelis Judges dated 8 December 2020 is that the lawsuit
Hakim tanggal 8 Desember 2020 adalah gugatan cannot be accepted. The ex Debtor again
tidak dapat diterima. Eks Debitur kembali filed a lawsuit on 18 November 2020,
mengajukan gugatan pada tanggal 18 November Case No. 249/Pdt.G/2020/PN. Skt where the
2020 Perkara No. 249/Pdt.G/2020/PN. Skt Bank was Defendant I, the Debtor's lawsuit was
dimana Bank sebagai Tergugat I, gugatan Debitur rejected. The ex Debtor submitted an appeal,
ditolak. Debitur mengajukan upaya banding, dan which was rejected by the Central Java High
ditolak oleh Pengadilan Tinggi Jawa Tengah. Court. The Debtor filed a Cassation and was
Debitur mengajukan Kasasi dan ditolak. Tanggal rejected. On 19 November 2024, the ex Debtor
19 November 2024 eks Debitur kembali again filed a lawsuit No. 241/Pdt.G/2024/PN. SKt
mengajukan gugatan Perkara where the Bank is defendant I and is currently in
No. 241/Pdt.G/2024/PN. SKt dimana Bank the trial process.
sebagai tergugat I dan saat ini dalam proses
persidangan.
b. Bank mengajukan eksekusi hak tanggungan dan b. The Bank submits the execution of dependents
fidusia atas CV Karya Agung dalam Penetapan Sita and fiduciary rights to CV Karya Agung in the
Eksekusi No. 1/Eks.SHT/2018/PN Sda. Obyek Determination of Seizure Execution
jaminan utang milik CV Karya Agung telah No. 1/Ex.SHT/2018/PN Sda. The guarantee
dilakukan penyegelan/sita umum sebagaimana object of the debt owned by CV Karya Agung has
Penetapan Hakim Pengawas Pengadilan been carried out by sealing/seizure as
Niaga pada Pengadilan Negeri Surabaya determined by the Judge of the Commercial
No. 27/Pdt.SusPKPU/2017/PN.Niaga.Sby. Bank Court Supervisor at the Surabaya District Court
mengajukan gugatan lain-lain kepada Tim Kurator No. 27/Pdt.SusPKPU/2017/PN.Niaga.Sby. The
PT Karang Asem Indah, Tn. Tjoo Hendro Mulyono, Bank filed another suit to the Curator Team of
Ny. Sri Sugiarti Lydiasari dan PT Karang Asem Indah, Mr. Tjoo Hendro Mulyono,
Tn. Wibisono (Dalam Pailit) di Pengadilan Niaga Mrs. Sri Sugiarti Lydiasari and Mr. Wibisono
pada Pengadilan Negeri Surabaya dengan (in bankruptcy) in Commercial Court in
No. 26/Pdt.Sus.Gugatanlain-lain/2018/PN.Niaga. Surabaya District Court with
Sby jo. No. 27/Pdt.Sus-PKPU/2017/PN.Niaga No. 26/Pdt.Sus.Gugatanlainlain/2018/PN.Niaga.
Surabaya. Sby jo. No. 27/Pdt.Sus-PKPU/2017/PN.Niaga
Surabaya.
Page 603
These Financial Statements are Originally Issued
in Indonesian Language
Ekshibit E/111 Exhibit E/111
PT BANK MASPION INDONESIA TBK PT BANK MASPION INDONESIA TBK
CATATAN ATAS LAPORAN KEUANGAN NOTES TO FINANCIAL STATEMENTS
UNTUK TAHUN YANG BERAKHIR PADA FOR THE YEAR ENDED
31 DESEMBER 2024 31 DECEMBER 2024
(Disajikan dalam ribuan Rupiah, kecuali dinyatakan lain) (Expressed in thousands of Rupiah, unless otherwise stated)
39. LIABILITAS KONTINJENSI (Lanjutan) 39. CONTINGENT LIABILITIES (Continued)
Atas pengajuan tersebut maka pada tanggal Upon the submission, then on the date
23 Januari 2019, oleh Pengadilan Niaga pada 23 January 2019, by the Commercial Court at the
Pengadilan Negeri Surabaya, telah diputuskan Surabaya District Court, it was decided that the
bahwa Bank menjadi Kreditur Separatis dari Bank became a Secure Creditor of the Bankruptcy
Boedel Pailit tersebut. Assets.
Pada tanggal 9 Februari 2021 telah dilaksanakan On 9 February 2021 auction was held at KPKNL
lelang di KPKNL Sidoarjo dan dinyatakan telah Sidoarjo and it was declared to have been sold.
terjual.
Bank melalui Kuasa Hukum Soetanto Hadisuseno, The Bank through the Attorney Soetanto
SH & Rekan sudah beberapa kali mengirimkan Hadisuseno, SH & Partners has several times sent
surat kepada Kurator yang meminta Kurator untuk letters to the Curator asking the Curator to
segera melakukan pembayaran atas uang hasil immediately make payment of the proceeds from
lelang agunan Bank (tetapi jawaban dari Kurator the auction of collateral for Bank (but the answer
bahwa pembagian boedel pailit kepada para from the Curator is that the distribution of
Kreditur akan dilakukan setelah seluruh boedel bankruptcy assets to the Creditors will be made
pailit laku terjual) (Catatan 16). after all the bankruptcy assets are sold) (Notes
16).
c. Perkara nomor 86/Pdt.Bth/2022/PN Pwt di c. Case number 86/Pdt.Bth/2022/PN Pwt at
Pengadilan Negeri Purwokerto antara Purwokerto District Court between
PT Mentari Korma Husada (Pelawan) melawan PT Mentari Korma Husada (Oppositor) against
Marifa Lestiana S.H., M.Kn., (sebagai terlawan Marifa Lestiana S.H., M.Kn., (as opponent
I/Debitur), Bank (sebagai terlawan II), tanggal I/Debtor), Bank (as opponent II), on 7 June 2023,
7 Juni 2023 telah diputuskan Majelis Hakim bahwa the Panel of Judges decided that the resistance
perlawanan dari pelawan ditolak. Pelawan from the oppositor was rejected. The opponent
mengajukan upaya hukum Banding dan pada filed an appeal and on 23 August 2023 the appeal
tanggal 23 Agustus 2023 Banding ditolak. Saat ini was rejected. Currently the Oppositor is filing a
pelawan mengajukan upaya hukum Kasasi dan Cassation legal action and on 13 June 2024 the
pada tanggal 13 Juni 2024 telah diputus oleh Panel of Judges decided that the cassation
Majelis Hakim bahwa permohonan Kasasi di tolak. request was rejected.
d. Perkara Perdata nomor 18/Pdt.G/2023 PN Cbn d. Civil case number 18/Pdt.G/2023 PN Cbn
yang terdaftar di PN Cirebon Antara Antony Triady registered at Cirebon District Court Between
Hartono (Penggugat) melawan PT Bank Maspion Antony Triady Hartono (Plaintiff) against PT Bank
Indonesia, Tbk (Tergugat I), Kantor Pelayanan Maspion Indonesia, Tbk (Defendant I), Cirebon
Kekayaan Negara dan Lelang (KPKNL) Cirebon State Property and Auction Service Office
(Tergugat II), Moch. Noefal Daldiri (Tergugat III), (KPKNL) (Defendant II), Moch. Noefal Daldiri
Lilik Suwarno (Tergugat IV), Badan Pertanahan (Defendant III), Lilik Suwarno (Defendant IV),
Kota Cirebon (Tergugat V), Badan Pertanahan Cirebon City Land Agency (Defendant V), Cirebon
Kabupaten Cirebon (Tergugat VI), proses District Land Agency (Defendant VI), the trial
persidangan telah dilakukan dan pada tanggal process has been carried out on 10 October 2023,
10 Oktober 2023 dengan hasil menolak seluruh with the result of rejecting all of the Plaintiff's
gugatan Penggugat. claims.
Atas hasil putusan tersebut Penggugat Based on the results of this decision, the Plaintiff
mengajukan Permohonan Banding ke Mahkamah submitted an Appeal to the Supreme Court
Agung (Tertanggal 23 Oktober 2023). Berkas (Dated 23 October 2023). The Civil Appeal Case
Perkara Banding Perdata dari Pengadilan Negeri Files from the Cirebon City District Court have
Kota Cirebon telah dilimpahkan ke Pengadilan been transferred to the Bandung High Court and
Tinggi Bandung dan telah di register dengan have been registered with case number
nomor perkara 703/PDT/2023/PT.BDG 703/PDT/2023/PT.BDG based on letter Number
berdasarkan surat Nomor 6874/PAN.PT.W11- 6874/PAN.PT.W11-U/HK2.4/XI/2023 dated
U/HK2.4/XI/2023 tanggal 22 November 2023 22 November 2023 Regarding Reception and
Perihal Penerimaan dan Registrasi Berkas Perkara Registration of Civil Appeal Case Files. Appeal
Banding Perdata. Putusan banding di Pengadilan decision at the Bandung High Court dated
Tinggi Bandung tanggal 13 Desember 2023 Nomor 13 December 2023 Number
703/PDT/2023/PT.BDG, yaitu menolak seluruh 703/PDT/2023/PT.BDG, namely rejecting the
gugatan. entire lawsuit.
Penggugat mengajukan kasasi melalui pengacara The Plaintiff filed a cassation through a lawyer
pada tanggal 22 Desember 2023, akta penerimaan on 22 December 2023, the deed of receipt of the
memori kasasi tertanggal 5 Januari 2024 dan cassation memory was dated 5 January 2024 and
tanggal 19 September 2024 kasasi ditolak. on 19 September 2024 cassation was rejected.
Page 604
These Financial Statements are Originally Issued
in Indonesian Language
Ekshibit E/112 Exhibit E/112
PT BANK MASPION INDONESIA TBK PT BANK MASPION INDONESIA TBK
CATATAN ATAS LAPORAN KEUANGAN NOTES TO FINANCIAL STATEMENTS
UNTUK TAHUN YANG BERAKHIR PADA FOR THE YEAR ENDED
31 DESEMBER 2024 31 DECEMBER 2024
(Disajikan dalam ribuan Rupiah, kecuali dinyatakan lain) (Expressed in thousands of Rupiah, unless otherwise stated)
39. LIABILITAS KONTINJENSI (Lanjutan) 39. CONTINGENT LIABILITIES (Continued)
e. Tim Kurator PT Gesit Irit (dalam pailit) menggugat e. The Curator Team of PT Gesit Irit (in bankruptcy)
PT Bank Maspion Indonesia Tbk dengan sued PT Bank Maspion Indonesia Tbk with
Perkara Nomor 01/Pdt.Sus-Gugatan Lain- Case Number 01/Pdt.Sus-Gugatan Lain-
Lain/2024/PN.Niaga.Jkt.pst tanggal 23 Januari Lain/2024/PN.Niaga.Jkt.pst dated 23 January
2024 yang terdaftar di Pengadilan Niaga pada 2024 which was registered at the Commercial
Pengadilan Negeri Jakarta Pusat. Putusan Majelis Court at the Central Jakarta District Court. The
Hakim tanggal 3 Juni 2024 dengan hasil yaitu Decision of the Panel of Judges on 3 June 2024
gugatan penggugat di tolak seluruhnya. Tanggal resulted in the plaintiff's lawsuit being rejected
13 Juni 2024, Tim Kurator mengajukan Kasasi dan in its entirety. On 13 June 2024, the Curator
tanggal 9 Oktober 2024 kasasi ditolak. Team submitted an appeal and on 9 October 2024
cassastion was rejected.
f. Perkara Perdata Nomor 1349/Pdt.G/2023/PN Sby f. Civil Case Number 1349/Pdt.G/2023/PN Sby
yang terdaftar di Pengadilan Negeri Surabaya registered in Surabaya District Court between
antara PT Alim Investindo (Penggugat) melawan PT Alim Investindo (Plaintiff) against PT Bank
PT Bank Maspion Indonesia Tbk (Tergugat I), Pardi Maspion Indonesia Tbk (Defendant I), Pardi Kendy
Kendy (Tergugat II), Anita Anggawidjaja, S.H., (Defendant II), Anita Anggawidjaja, S.H.,
(Tergugat III), Kasikorn Vision Financial Company (Defendant III), Kasikorn Vision Financial
Pte, Ltd (Turut Tergugat I), Kasikornbank Public Company Pte, Ltd (Co-Defendant I), Kasikornbank
Company Limited (Turut Tergugat II), PT Guna Public Company Limited (Co-Defendant II),
Investindo (Turut Tergugat III), Ketua Dewan PT Guna Investindo (Co-Defendant III), Chairman
Komisioner Otoritas Jasa Keuangan Republik of the Board of Commissioners of the Financial
Indonesia (Turut Tergugat IV), Direktur Jenderal Services Authority of the Republic of Indonesia
Administrasi Hukum Dan Hak Asasi Manusia (Co-Defendant IV), Director General of Legal
Republik Indonesia (Turut Tergugat V), proses Administration and Human Rights of the Republic
persidangan masih berjalan dan saat ini masih of Indonesia (Co-Defendant V), the trial process
menunggu putusan Pengadilan Negeri. is still ongoing and currently awaiting the District
Court's decision.
Manajemen berkeyakinan bahwa permasalahan/ Management believes that the issue/legal case
perkara hukum tersebut di atas tidak secara above would not give any material impact to
material dapat mempengaruhi keadaan financial, wealth and going concern of the Bank.
keuangan, harta kekayaan dan kelangsungan
usaha Bank.
40. PERIKATAN-PERIKATAN YANG SIGNIFIKAN 40. SIGNIFICANT AGREEMENTS
a. Pada tanggal 19 Desember 2005, Bank a. On 19 December 2005, the Bank entered into a
mengadakan perjanjian penyelenggaraan ATM Joint ATM agreement with PT Rintis Sejahtera.
Bersama dengan PT Rintis Sejahtera. Dalam Based on this agreement, the Bank will utilize a
perjanjian tersebut, Bank akan mendapatkan joint ATM network throughout Indonesia. The
manfaat jaringan ATM Bersama di seluruh agreement is for a period of two years from the
Indonesia. Perjanjian tersebut berlaku untuk agreement date and renewable automatically for
periode dua tahun sejak tanggal perjanjian dan the same length of period.
secara otomatis diperpanjang untuk jangka waktu
yang sama.
b. Pada tanggal 8 Juni 2010, Bank mengadakan b. On 8 June 2010, the Bank entered into a
perjanjian kerja sama dengan PT Finnet Indonesia cooperation agreement with PT Finnet Indonesia
tentang Layanan Penerimaan Tagihan Biller regarding Electronic Biller Bill Receiving Service
Elektronis dengan Sistem Host to Host yang with Host to Host System which was updated at
diperbarui paling akhir pada the latest on 2 November 2016. Under the
2 November 2016. Dalam perjanjian tersebut, agreement, the Bank can receipt Biller service
Bank dapat melakukan penerimaan pembayaran payments from customers through the Bank’s
jasa layanan Biller dari pelanggan melalui channel.
channel bank.
Page 605
These Financial Statements are Originally Issued
in Indonesian Language
Ekshibit E/113 Exhibit E/113
PT BANK MASPION INDONESIA TBK PT BANK MASPION INDONESIA TBK
CATATAN ATAS LAPORAN KEUANGAN NOTES TO FINANCIAL STATEMENTS
UNTUK TAHUN YANG BERAKHIR PADA FOR THE YEAR ENDED
31 DESEMBER 2024 31 DECEMBER 2024
(Disajikan dalam ribuan Rupiah, kecuali dinyatakan lain) (Expressed in thousands of Rupiah, unless otherwise stated)
40. PERIKATAN-PERIKATAN YANG SIGNIFIKAN 40. SIGNIFICANT AGREEMENTS (Continued)
(Lanjutan)
c. Pada tanggal 18 Desember 2012, Bank c. On 18 December 2012, the Bank entered into an
mengadakan perjanjian penyediaan aplikasi online banking application provider agreement
online banking dengan PT Sarana Pactindo with PT Sarana Pactindo (“PAC”). Based on this
(“PAC”). Dalam perjanjian tersebut, Bank akan agreement, the Bank will utilize online banking
menggunakan fasilitas dan layanan aplikasi online facilities and application services through various
banking melalui berbagai macam electronic electronic channels which are provided by PAC.
channel yang disediakan PAC.
Perjanjian tersebut berlaku untuk periode The agreement is valid for 3 years started from
3 tahun sejak tanggal 1 bulan berikutnya dari the first day of the following month after the
tanggal mulai layanan electronic channel. electronic channel has been delivered. This
Perjanjian ini secara otomatis diperpanjang untuk agreement is automatically renewed for the next
jangka waktu satu tahun berikutnya. one-year period.
d. Pada tanggal 1 September 2016, Bank d. On 1 September 2016, the Bank entered into a
mengadakan perjanjian kerja sama dengan cooperation agreement with PT Payment Lintas
PT Pembayaran Lintas Usaha Sukses ("PT PLUS") Usaha Sukses (“PT PLUS”) regarding bill payment
mengenai layanan penerimaan pembayaran acceptence services through other banks'
tagihan melalui Fasilitas Electronic Channel bank Electronic Channel Facilities using Bank Maspion
Lain dengan menggunakan Bank Maspion Virtual Virtual Accounts ("MAVA").
Account ("MAVA").
Dalam perjanjian tersebut, Bank akan In the agreement, the Bank will provide MAVA to
menyediakan MAVA untuk menerima pembayaran receive bill payments from PT PLUS service users
tagihan dari pengguna layanan PT PLUS dengan by utilizing the Electronic Channel Facility of
memanfaatkan Fasilitas Electronic Channel Bank Maspion Bank and/or other banks. This
Maspion dan/atau bank lain. Perjanjian ini secara agreement is automatically renewed for the next
otomatis diperpanjang untuk jangka waktu satu one-year period.
tahun berikutnya.
e. Pada tanggal 2 Mei 2018, Bank mengadakan e. On 2 May 2018, the Bank entered into an
perjanjian kerjasama dengan PT Rintis Sejahtera agreement with PT Rintis Sejahtera related to
terkait kartu debit domestik dalam rangka domestic debit cards for implementation of
implementasi Gerbang Pembayaran Nasional National Payment Gate (GPN). Based on this
(“GPN”). Berdasarkan perjanjian ini, Bank agreement, the Bank will utilize network
memanfaatkan fasilitas jaringan sehingga facilities for their customers to make GPN
nasabah dapat melakukan transaksi dalam rangka transactions.
GPN.
f. Pada tanggal 29 Juni 2018, Bank mengadakan f. On 29 June 2018, the Bank entered into a debit
perjanjian layanan debit dalam Jaringan Link service agreement in Link network with PT Jalin
dengan PT Jalin Pembayaran Nusantara. Dalam Pembayaran Nusantara. Based on this agreement,
perjanjian tersebut, Bank akan mendapatkan the Bank will utilize debit service benefit in Link
manfaat layanan debit dalam Jaringan Link, network, where the Bank can act as an Issuer
dimana bank dapat bertindak sebagai Issuer and/or Aquirer.
dan/atau Aquirer.
g. Pada tanggal 27 Agustus 2020, Bank mengadakan g. On 27 August 2020, the Bank entered into a
perjanjian kerja sama dengan PT Dompet Anak cooperation agreement with PT Dompet Anak
Bangsa tentang Layanan Top Up Gopay Melalui Bangsa regarding Gopay Top up Services Through
Fasilitas Bank. Dalam perjanjian tersebut, Bank Bank Facilities. Under the agreement, Bank will
akan memberikan kemudahan bagi nasabah Bank facilitate gopay top up.
untuk melakukan top up Gopay menggunakan
fasilitas Bank.
Page 606
These Financial Statements are Originally Issued
in Indonesian Language
Ekshibit E/114 Exhibit E/114
PT BANK MASPION INDONESIA TBK PT BANK MASPION INDONESIA TBK
CATATAN ATAS LAPORAN KEUANGAN NOTES TO FINANCIAL STATEMENTS
UNTUK TAHUN YANG BERAKHIR PADA FOR THE YEAR ENDED
31 DESEMBER 2024 31 DECEMBER 2024
(Disajikan dalam ribuan Rupiah, kecuali dinyatakan lain) (Expressed in thousands of Rupiah, unless otherwise stated)
40. PERIKATAN-PERIKATAN YANG SIGNIFIKAN 40. SIGNIFICANT AGREEMENTS (Continued)
(Lanjutan)
h. Pada tanggal 30 Desember 2021, Bank menunjuk h. On 30 December 2021, the Bank appointed
PT Sigma Cipta Caraka (Telkomsigma) untuk PT Sigma Cipta Caraka (Telkomsigma) to carry
melaksanakan implementasi “Core Banking out the implementation of “Core Banking
System, Banking Integration Services, Reporting System, Banking Integration Services, Reporting
Solution & Managed Service”. Perjanjian Solution & Managed Service”. The cooperation
kerjasama telah ditandatangani pada tanggal agreement was signed on 23 February 2023.
28 Februari 2023.
i. Pada tanggal 16 Desember 2022, Bank menyetujui i. On 16 December 2022, the Bank approved the
penawaran terkait Lisensi Oracle dan Manage offer regarding the Oracle License and Manage
Service BI Fast dari PT Sigma Cipta Caraka Service BI Fast from PT Sigma Cipta Caraka
(Telkomsigma). Perjanjian kerjasama telah (Telkomsigma). The cooperation agreement was
ditandatangani pada tanggal 28 Februari 2023. signed on 28 February 2023.
j. Pada tanggal 15 Maret 2024, Bank mengadakan j. On March 15, 2024, the Bank entered into a
perjanjian kerja sama dengan Moody’s Analytics cooperation agreement with Moody's Analytics
Singapore Pte Ltd mengenai implementasi produk Singapore Pte Ltd regarding the implementation
software Moody’s CreditLens dan aktifitas of Moody's CreditLens software products and
konsultasi untuk kalibrasi ulang atas model EDFX consulting activities for recalibration of Moody's
Moody’s. EDFX model.
Page 607
These Financial Statements are Originally Issued
in Indonesian Language
Ekshibit E/115 Exhibit E/115
PT BANK MASPION INDONESIA TBK PT BANK MASPION INDONESIA TBK
CATATAN ATAS LAPORAN KEUANGAN NOTES TO FINANCIAL STATEMENTS
UNTUK TAHUN YANG BERAKHIR PADA FOR THE YEAR ENDED
31 DESEMBER 2024 31 DECEMBER 2024
(Disajikan dalam ribuan Rupiah, kecuali dinyatakan lain) (Expressed in thousands of Rupiah, unless otherwise stated)
41. INFORMASI TAMBAHAN YANG TIDAK 41. ADDITIONAL INFORMATION THAT IS NOT REQUIRED
DIPERSYARATKAN OLEH STANDAR AKUNTANSI BY INDONESIAN ACCOUNTING STANDARDS
INDONESIA
Informasi tambahan berikut yang disajikan di bawah The following additional information presented
ini merupakan informasi yang disyaratkan oleh below is information required by applicable
regulasi yang berlaku dan bukan/tidak merupakan regulations and is not information required by
informasi yang dipersyaratkan oleh Standar Akuntansi Indonesian Accounting Standards:
Indonesia:
a. Giro Wajib Minimum (“GWM”) dan Rasio a. Minimum Statutory Reserve (“GWM”) and
Penyangga Likuiditas Makroprudensial (“PLM”) Macroprudential Liquidity Buffer (“PLM”)
Pada tanggal 31 Desember 2024 dan 2023, GWM As of 31 December 2024 and 2023, the Bank's
Bank telah sesuai dengan Peraturan Bank Minimum Statutory Reserve complied with Bank
Indonesia (PBI) No. 24/4/PBI/2022 tanggal Indonesia (BI) Regulation PBI No. 24/4/PBI/2022
1 Maret 2022 tentang Perubahan Keempat atas dated 1 March 2022 concerning the Fourth
Peraturan Bank Indonesia No. 20/3/PBI/2018 Amendment to Bank Indonesia Regulation
tentang Giro Wajib Minimum dalam Rupiah dan No. 20/3/PBI/2018 concerning Statutory
Valuta Asing bagi Bank Umum Konvensional, Bank Reserves in Rupiah and Foreign Exchange for
Umum Syariah, dan Unit Usaha Syariah serta Conventional Commercial Banks, Sharia
Peraturan Anggota Dewan Gubernur (“PADG”) Commercial Banks, and Sharia Business Units,
No. 2 Tahun 2023 tanggal 1 April 2023 tentang and also Regulations Member of the Board of
Perubahan atas PADG No. 24/8/PADG/2022 Governors (“PADG”) No. 2 Year 2023 dated
tanggal 1 Juli 2022 tentang Peraturan 1 April 2023 concerning the Amendment to PADG
Pelaksanaan Pemenuhan Giro Wajib Minimum No. 24/8/PADG/2022 dated 1 July 2022
dalam Rupiah dan Valuta Asing bagi Bank Umum concerning the Implementation Regulations for
Konvensional, Bank Umum Syariah, dan Unit Fulfillment of Statutory Reserves in Rupiah and
Usaha Syariah yang masing-masing sebesar: Foreign Currency for Conventional Commercial
Banks, Sharia Commercial Banks, and Sharia
Business Units, which are as follows:
2024 2023
Rupiah Rupiah
Primary Minimum Statutory
6,00% 7,60%
GWM Primer Reserves
Harian 0,00% 0,00% Daily
Rata-rata 9,00% 9,00% Average
Insentif*) -3,00% -1,40% Incentive*)
Rasio Intermediasi Makroprudensial 0,00% 0,00% Macroprudential Intermediary Ratio
Penyangga Likuiditas Makroprudensial 5,00% 5,00% Macroprudential Liquidity Buffer
Valuta asing Foreign currency
Primary Minimum Statutory
GWM Primer 4,00% 4,00% Reserves
Harian 2,00% 2,00% Daily
Rata-rata 2,00% 2,00% Average
*) Berdasarkan PADG No. 1 Tahun 2023 tanggal 1 April 2023, Bank melakukan *) Based on PADG No. 1 Year 2023 dated 1 April 2023, the Bank provides
penyediaan dana untuk kegiatan ekonomi tertentu dan inklusif, sehingga funds for specific and inclusive economic activities, therefore on 31
pada tanggal 31 Desember 2024 dan 2023 Bank mendapatkan insentif berupa December 2024 and 2023 the Bank gains incentives in the form of GWM
kelonggaran GWM masing-masing sebesar 3% dan 1,4%. allowance by 3% and 1.4%, respectively.
Page 608
These Financial Statements are Originally Issued
in Indonesian Language
Ekshibit E/116 Exhibit E/116
PT BANK MASPION INDONESIA TBK PT BANK MASPION INDONESIA TBK
CATATAN ATAS LAPORAN KEUANGAN NOTES TO FINANCIAL STATEMENTS
UNTUK TAHUN YANG BERAKHIR PADA FOR THE YEAR ENDED
31 DESEMBER 2024 31 DECEMBER 2024
(Disajikan dalam ribuan Rupiah, kecuali dinyatakan lain) (Expressed in thousands of Rupiah, unless otherwise stated)
41. INFORMASI TAMBAHAN YANG TIDAK 41. ADDITIONAL INFORMATION THAT IS NOT REQUIRED
DIPERSYARATKAN OLEH STANDAR AKUNTANSI BY INDONESIAN ACCOUNTING STANDARDS
INDONESIA (Lanjutan) (Continued)
Informasi tambahan berikut yang disajikan di bawah The following additional information presented
ini merupakan informasi yang disyaratkan oleh below is information required by applicable
regulasi yang berlaku dan bukan/tidak merupakan regulations and is not information required by
informasi yang dipersyaratkan oleh Standar Akuntansi Indonesian Accounting Standards: (Continued)
Indonesia: (Lanjutan)
a. Giro Wajib Minimum (“GWM”) dan Rasio a. Minimum Statutory Reserve (“GWM”) and
Penyangga Likuiditas Makroprudensial (“PLM”) Macroprudential Liquidity Buffer (“PLM”)
(Lanjutan) (Continued)
Penyangga Likuiditas Makroprudensial (PLM) Macroprudential Liquidity Buffer (PLM) is the
adalah cadangan likuiditas minimum yang wajib minimum reserves that should be maintained by
dipelihara oleh Bank berupa Sertifikat Bank the Bank, in form of Certificates of Bank
Indonesia (SBI), Sertifikat Deposito Bank Indonesia (SBI), Certificate of Bank Indonesia
Indonesia (SDBI), Surat Berharga Negara (SBN) Deposit (SDBI), Treasury Bills (SBN), which is
yang besarnya ditetapkan oleh Bank Indonesia determined by Bank Indonesia percentage of
sebesar persentase tertentu dari Dana Pihak third party funds (DPK). Macroprudential
Ketiga (DPK) Bank. Giro Rasio Intermediasi Intermediary Ratio (RIM) is the Minimum
Makroprudensial (RIM) adalah simpanan minimum Statutory Reserve that should be maintained by
yang wajib dipelihara oleh Bank dalam bentuk the Bank in the form of Current Account with
saldo Rekening Giro pada Bank Indonesia sebesar Bank Indonesia at a certain percentage of DPK
persentase tertentu dari DPK yang dihitung calculated based on the difference between the
berdasarkan selisih antara RIM yang dimiliki oleh Bank’s RIM and the targeted RIM. Referring to
Bank dan RIM Target. Berdasarkan PADG PADG No. 24/14/PADG/2022 which is effective
No. 24/14/PADG/2022 yang berlaku mulai tanggal from 1 November 2022, RIM deposit is imposed if
1 November 2022, Giro RIM dikenakan jika RIM the Bank's RIM is below the minimum of RIM
Bank di bawah minimum RIM target Bank targeted by Bank Indonesia (84%) or if the Bank's
Indonesia (84%) atau di atas maksimum RIM target RIM is above the maximum of RIM targeted by
Bank Indonesia (94%) dengan Kewajiban Bank Indonesia (94%) provided that the Capital
Penyediaan Modal Minimum (KPMM) Bank lebih Adequacy Ratio (CAR) is below BI Incentive CAR’s
kecil dari KPMM Insentif Bank Indonesia sebesar requirement of 14%.
14%.
Rasio GWM Bank pada tanggal 31 Desember 2024 The GWM ratios of Bank as of 31 December 2024
dan 2023 adalah sebagai berikut: and 2023 are as follows:
2024 2023
Rupiah Rupiah
7,88% Primary Minimum Statutory
6,31%
GWM Primer Reserves
Harian 0,00% 0,00% Daily
Rata-rata 9,31% 9,28% Average
Insentif*) -3,00% -1,40% Incentive*)
Rasio Intermediasi Makroprudensial 0,00% 0,00% Macroprudential Intermediary Ratio
Penyangga Likuiditas Makroprudensial 30,88% 30,49% Macroprudential Liquidity Buffer
Valuta asing Foreign currency
GWM Primer 4,27% 4,05% Primary Minimum Statutory Reserves
Harian 2,00% 2,00% Daily
Rata-rata 2,27% 2,05% Average
Bank telah memenuhi ketentuan Bank Indonesia The Bank has complied with Bank Indonesia
tentang GWM. regulations concerning the GWM.
Page 609
These Financial Statements are Originally Issued
in Indonesian Language
Ekshibit E/117 Exhibit E/117
PT BANK MASPION INDONESIA TBK PT BANK MASPION INDONESIA TBK
CATATAN ATAS LAPORAN KEUANGAN NOTES TO FINANCIAL STATEMENTS
UNTUK TAHUN YANG BERAKHIR PADA FOR THE YEAR ENDED
31 DESEMBER 2024 31 DECEMBER 2024
(Disajikan dalam ribuan Rupiah, kecuali dinyatakan lain) (Expressed in thousands of Rupiah, unless otherwise stated)
41. INFORMASI TAMBAHAN YANG TIDAK 41. ADDITIONAL INFORMATION THAT IS NOT REQUIRED
DIPERSYARATKAN OLEH STANDAR AKUNTANSI BY INDONESIAN ACCOUNTING STANDARDS
INDONESIA (Lanjutan) (Continued)
Informasi tambahan berikut yang disajikan di bawah The following additional information presented
ini merupakan informasi yang disyaratkan oleh below is information required by applicable
regulasi yang berlaku dan bukan/tidak merupakan regulations and is not information required by
informasi yang dipersyaratkan oleh Standar Akuntansi Indonesian Accounting Standards: (Continued)
Indonesia: (Lanjutan)
b. Kredit yang diberikan berdasarkan kolektibilitas b. Loans by collectability
2024 2023
Cadangan Cadangan
kerugian kerugian
penurunan nilai/ penurunan nilai/
Allowance for Allowance for
Pokok/ impairment Pokok/ impairment
Principal losses Principal losses
Individual 535.138.914 195.654.910 342.861.514 62.176.420 Individual
Kolektif Collective
Lancar 15.220.331.492 208.303.956 12.008.839.028 39.135.415 Current
Dalam pengawasan Special
khusus 682.783.885 59.413.919 894.738.633 33.865.175 mention
Kurang lancar - - - - Substandard
Diragukan - - - - Doubtful
Macet - - - - Loss
Jumlah 16.438.254.291 463.372.785 13.246.439.175 135.177.010 Total
c. Batas Maksimum Pemberian Kredit (“BMPK”) c. Legal Lending Limits (“LLL”)
Pada tanggal 31 Desember 2024 dan 2023, Bank As of 31 December 2024 and 2023, the Bank was
telah memenuhi ketentuan BMPK Bank Indonesia. in compliance with Bank Indonesia’s legal lending
limits.
d. Kredit tidak lancar (Non-Performing Loans/ d. Non-Performing Loans (“NPL”)
”NPL”)
2024 2023
Jumlah NPL, bersih 339.484.004 280.685.094 Total NPL, net
Rasio NPL bruto 3,26% 2,59% Ratio of gross NPL
Rasio NPL bersih 2,07% 2,12% Ratio of net NPL
e. Rasio kredit usaha mikro, kecil dan menengah e. Ratio of micro, small and medium enterprise
(“UMKM”) (“MSME”)
Rasio kredit usaha mikro, kecil dan menengah Ratio of micro, small and medium enterprise
(“UMKM”) terhadap jumlah kredit yang diberikan (“MSME”) credit to total loans as of
pada tanggal 31 Desember 2024 dan 31 December 2024 and 2023 were 8.74% and
2023, masing-masing adalah sebesar 8,74% dan 10.16%, respectively.
10,16%.
f. Rasio Kewajiban Penyediaan Modal Minimum f. Capital Adequacy Ratio (“CAR”)
(“KPMM”)
Tujuan utama dari kebijakan Bank atas kebijakan The primary objectives of the Bank’s capital
pengelolaan modal adalah untuk memastikan management policy are to ensure that the Bank
bahwa Bank memiliki modal yang kuat untuk has a strong capital to support the Bank’s current
mendukung strategi pengembangan ekspansi business expansion strategy, to sustain future
usaha Bank saat ini, mempertahankan development of the business, to meet regulator’s
kelangsungan pengembangan bisnis di masa capital adequacy requirements and also to
mendatang, untuk memenuhi ketentuan ensure the efficiency of Bank’s capital structure.
kecukupan permodalan yang ditetapkan oleh
regulator serta untuk memastikan agar struktur
permodalan Bank telah efisien.
Page 610
These Financial Statements are Originally Issued
in Indonesian Language
Ekshibit E/118 Exhibit E/118
PT BANK MASPION INDONESIA TBK PT BANK MASPION INDONESIA TBK
CATATAN ATAS LAPORAN KEUANGAN NOTES TO FINANCIAL STATEMENTS
UNTUK TAHUN YANG BERAKHIR PADA FOR THE YEAR ENDED
31 DESEMBER 2024 31 DECEMBER 2024
(Disajikan dalam ribuan Rupiah, kecuali dinyatakan lain) (Expressed in thousands of Rupiah, unless otherwise stated)
41. INFORMASI TAMBAHAN YANG TIDAK 41. ADDITIONAL INFORMATION THAT IS NOT REQUIRED
DIPERSYARATKAN OLEH STANDAR AKUNTANSI BY INDONESIAN ACCOUNTING STANDARDS
INDONESIA (Lanjutan) (Continued)
Informasi tambahan berikut yang disajikan dibawah The following additional information presented
ini merupakan informasi yang disyaratkan oleh below is information required by applicable
regulasi yang berlaku dan bukan/tidak merupakan regulations and is not information required by
informasi yang dipersyaratkan oleh Standar Akuntansi Indonesian Accounting Standards: (continued)
Indonesia: (lanjutan)
f. Rasio Kewajiban Penyediaan Modal Minimum f. Capital Adequacy Ratio (“CAR”) (Continued)
(“KPMM”) (Lanjutan)
Bank menyusun Rencana Permodalan berdasarkan Bank undertakes Capital Planning based on
penilaian dan penelaahan atas kebutuhan assessment and review of the capital situation in
kecukupan permodalan yang dipersyaratkan dan terms of the legal capital adequacy requirement
mengkombinasikannya dengan tinjauan and combined with assessment of economic
perkembangan ekonomi terkini. Bank senantiasa outlooks. Bank will continue to link financial and
akan menghubungkan tujuan keuangan dan capital adequacy goals to risk appetite which can
kecukupan modal terhadap risiko yang dapat be tolerated through the capital planning
ditoleransi melalui proses perencanaan modal, process method as well as assess the businesses
begitu pula dengan bisnis yang disesuaikan based on Bank’s capital and liquidity
dengan tingkat permodalan dan persyaratan requirements.
likuiditas Bank.
Kebutuhan permodalan Bank juga direncanakan The capital needs of the Bank are also planned
dan didiskusikan secara rutin yang didukung and discussed on a routine basis supported by
dengan data-data analisis. data analysis.
Rencana Permodalan disusun oleh Direksi sebagai Capital Planning is prepared by the Directors as
bagian dari Rencana Bisnis Bank dan disetujui part of Bank’s business plan and is approved by
oleh Dewan Komisaris. Rencana Permodalan ini the Board of Commissioners. Capital Planning
memastikan bahwa tingkat permodalan yang ensures that adequate levels of capital and
cukup dan kombinasi yang kuat dari berbagai strong mix of the different components of capital
komponen permodalan yang berbeda are maintained to support business growth in the
dipertahankan guna mendukung pertumbuhan future.
bisnis ke depan.
Bank telah memenuhi semua persyaratan modal The Bank has complied with capital requirement
yang diwajibkan untuk tahun yang disajikan. for the years presented.
Page 611
These Financial Statements are Originally Issued
in Indonesian Language
Ekshibit E/119 Exhibit E/119
PT BANK MASPION INDONESIA TBK PT BANK MASPION INDONESIA TBK
CATATAN ATAS LAPORAN KEUANGAN NOTES TO FINANCIAL STATEMENTS
UNTUK TAHUN YANG BERAKHIR PADA FOR THE YEAR ENDED
31 DESEMBER 2024 31 DECEMBER 2024
(Disajikan dalam ribuan Rupiah, kecuali dinyatakan lain) (Expressed in thousands of Rupiah, unless otherwise stated)
41. INFORMASI TAMBAHAN YANG TIDAK 41. ADDITIONAL INFORMATION THAT IS NOT REQUIRED
DIPERSYARATKAN OLEH STANDAR AKUNTANSI BY INDONESIAN ACCOUNTING STANDARDS
INDONESIA (Lanjutan) (Continued)
Informasi tambahan berikut yang disajikan di bawah The following additional information presented
ini merupakan informasi yang disyaratkan oleh below is information required by applicable
regulasi yang berlaku dan bukan/tidak merupakan regulations and is not information required by
informasi yang dipersyaratkan oleh Standar Akuntansi Indonesian Accounting Standards: (Continued)
Indonesia: (Lanjutan)
f. Rasio Kewajiban Penyediaan Modal Minimum f. Capital Adequacy Ratio (“CAR”) (Continued)
(“KPMM”) (Lanjutan)
KPMM pada tanggal 31 Desember 2024 dan CAR as of 31 December 2024 and 2023 calculated
2023 yang dihitung sesuai dengan Peraturan in accordance with Financial Service Authority
Otoritas Jasa Keuangan adalah sebagai berikut: regulation are as follows:
2024 2023
Modal Capital
Tier I 6.240.084.339 6.581.412.491 Tier I
Tier II 150.402.088 118.983.812 Tier II
Jumlah modal 6.390.486.427 6.700.396.303 Total capital
Aset tertimbang menurut risiko Risk weighted assets for
untuk risiko kredit 14.119.691.020 12.906.303.415 credit risk
Aset tertimbang menurut risiko Risk weighted assets for
untuk risiko pasar 41.034.000 34.833.000 market risk
Aset tertimbang menurut risiko Risk weighted assets for
untuk risiko operasional 522.175.000 426.862.500 operating risk
Jumlah aset tertimbang menurut
risiko 14.682.900.020 13.367.998.915 Total risk weighted asset
Rasio kewajiban modal minimum Minimum capital adequacy ratio
(KPMM) sesuai profil risiko 9,00% 9,31% (CAR) according to risk profile
2024 2023
Alokasi pemenuhan kewajiban Allocation of minimum capital
modal minimum adequacy ratio
Modal inti utama tier 1 (CET-1) 7,98% 8,42% Common equity tier 1 (CET-1)
Modal inti tambahan tier 1 (AT-1) 0,00% 0,00% Additional equity tier 1 (AT-1)
Modal pelengkap tier 2 1,02% 0,89% Supplementary equity tier 2
Rasio modal inti utama tier 1 (CET-1) 42,50% 49,23% Common equity ratio tier 1 (CET-1)
Rasio KPMM tier 1 42,50% 49,23% Minimum CAR tier 1
Rasio KPMM tier 2 1,02% 0,89% Minimum CAR tier 2
Jumlah rasio 43,52% 50,12% Total ratio
Modal inti utama tier 1 (CET-1) untuk Common equity tier 1 (CET-1) for
penyangga 34,50% 40,81% buffer
Persentase penyangga yang wajib Percentage of buffer required
dipenuhi oleh Bank by Bank
Capital Conservation Buffer 2,50% 0,00% Capital Conservation Buffer
g. Posisi Devisa Neto g. Net Open Position
Perhitungan PDN didasarkan pada PBI No. 6/20/ The NOP was calculated based on PBI No. 6/20/
PBI/2004 tanggal 15 Juli 2004 sebagaimana telah PBI/2004 dated 15 July 2004 which was last
diubah terakhir dengan PBI No. 17/5/PBI/2015 amended by PBI No. 17/5/PBI/2015 dated
tanggal 29 Mei 2015. Berdasarkan peraturan 29 May 2015. Based on this regulation, the Bank
tersebut, Bank diwajibkan untuk menjaga rasio is required to maintain Net Open Position ratio
PDN laporan posisi keuangan dan secara of an overall statement of financial position at a
keseluruhan maksimum 20% dari jumlah modal. maximum of 20% of the total capital.
PDN adalah penjumlahan nilai absolut yang The NOP is the sum of the absolute values, which
dinyatakan dalam Rupiah dari selisih bersih are stated in Rupiah, of the net difference
antara aset dan liabilitas dalam mata uang asing between the assets and liabilities denominated
dan selisih bersih dari tagihan dan liabilitas in each foreign currency and the net difference
komitmen dan kontinjensi yang dicatat dalam of the receivables and payables of both
rekening administratif yang didenominasi dalam commitments and contingencies recorded in the
setiap mata uang asing. administrative accounts denominated in each
foreign currency.
Page 612
These Financial Statements are Originally Issued
in Indonesian Language
Ekshibit E/120 Exhibit E/120
PT BANK MASPION INDONESIA TBK PT BANK MASPION INDONESIA TBK
CATATAN ATAS LAPORAN KEUANGAN NOTES TO FINANCIAL STATEMENTS
UNTUK TAHUN YANG BERAKHIR PADA FOR THE YEAR ENDED
31 DESEMBER 2024 31 DECEMBER 2024
(Disajikan dalam ribuan Rupiah, kecuali dinyatakan lain) (Expressed in thousands of Rupiah, unless otherwise stated)
41. INFORMASI TAMBAHAN YANG TIDAK 41. ADDITIONAL INFORMATION THAT IS NOT REQUIRED
DIPERSYARATKAN OLEH STANDAR AKUNTANSI BY INDONESIAN ACCOUNTING STANDARDS
INDONESIA (Lanjutan) (Continued)
Informasi tambahan berikut yang disajikan di bawah The following additional information presented
ini merupakan informasi yang disyaratkan oleh below is information required by applicable
regulasi yang berlaku dan bukan/tidak merupakan regulations and is not information required by
informasi yang dipersyaratkan oleh Standar Akuntansi Indonesian Accounting Standards: (Continued)
Indonesia: (Lanjutan)
g. Posisi Devisa Neto (Lanjutan) g. Net Open Position (Continued)
PDN Bank pada tanggal 31 Desember 2024 dan The Bank’s NOP as of 31 December 2024 and
2023 adalah sebagai berikut: 2023 are as follows:
2024
Aset/ Liabilitas/ Nilai bersih/ Nilai absolut bersih/
Mata uang Assets Liabilities Net value Net absolute value Currencies
Dolar Amerika Serikat 1.952.880.910 1.919.741.757 33.139.153 33.139.153 United States Dollar
Euro Eropa 212.101 - 212.101 212.101 European Euro
Dolar Australia 137.662 - 137.662 137.662 Australian Dollar
Yuan China 841.254 427.768 413.486 413.486 Chinese Yuan
Dolar Hongkong 44.916 - 44.916 44.916 Hongkong Dollar
Dolar Singapura 129.400 - 129.400 129.400 Singapore Dollar
Baht Thailand 118.589 - 118.589 118.589 Thailand Baht
Jumlah 1.954.364.832 1.920.169.525 34.195.307 34.195.307 Total
Jumlah modal 6.390.486.427 Total capital
Rasio Posisi Devisa Neto 0,54% NOP as a percentage of capital
2023
Aset/ Liabilitas/ Nilai bersih/ Nilai absolut bersih/
Mata uang Assets Liabilities Net value Net absolute value Currencies
Dolar Amerika Serikat 1.111.396.529 1.077.265.891 34.130.638 34.130.638 United States Dollar
Euro Eropa 217.314 - 217.314 217.314 European Euro
Dolar Australia 85.104 - 85.104 85.104 Australian Dollar
Yuan China 255.267 504.450 ( 249.183) 249.183 Chinese Yuan
Dolar Hongkong 68.937 - 68.937 68.937 Hongkong Dollar
Dolar Singapura 77.194 - 77.194 77.194 Singapore Dollar
Baht Thailand 4.752 - 4.752 4.752 Thailand Baht
Jumlah 1.112.105.097 1.077.770.341 34.334.756 34.833.122 Total
Jumlah modal 6.700.396.303 Total capital
Rasio Posisi Devisa Neto 0,52% NOP as a percentage of capital
Rasio PDN pada tanggal 31 Desember 2024 dan NOP Ratios as of 31 December 2024 and
2023 jika menggunakan modal pada tanggal 2023, based on the total capital as of
30 November 2024 dan 2023 adalah sebagai 30 November 2024 and 2023 are as follows:
berikut:
Jumlah modal 30 November 2024 6.634.969.038 Total capital – 30 November 2024
Rasio PDN 0,52% NOP Ratios
Jumlah modal 30 November 2023 6.709.755.249 Total capital – 30 November 2023
Rasio PDN 0,52% NOP Ratios
Page 613
These Financial Statements are Originally Issued
in Indonesian Language
Ekshibit E/121 Exhibit E/121
PT BANK MASPION INDONESIA TBK PT BANK MASPION INDONESIA TBK
CATATAN ATAS LAPORAN KEUANGAN NOTES TO FINANCIAL STATEMENTS
UNTUK TAHUN YANG BERAKHIR PADA FOR THE YEAR ENDED
31 DESEMBER 2024 31 DECEMBER 2024
(Disajikan dalam ribuan Rupiah, kecuali dinyatakan lain) (Expressed in thousands of Rupiah, unless otherwise stated)
41. INFORMASI TAMBAHAN YANG TIDAK 41. ADDITIONAL INFORMATION THAT IS NOT REQUIRED
DIPERSYARATKAN OLEH STANDAR AKUNTANSI BY INDONESIAN ACCOUNTING STANDARDS
INDONESIA (Lanjutan) (Continued)
Informasi tambahan berikut yang disajikan di bawah The following additional information presented
ini merupakan informasi yang disyaratkan oleh below is information required by applicable
regulasi yang berlaku dan bukan/tidak merupakan regulations and is not information required by
informasi yang dipersyaratkan oleh Standar Akuntansi Indonesian Accounting Standards: (Continued)
Indonesia: (Lanjutan)
h. Manajemen risiko h. Risk management
Risiko hukum Legal risk
Risiko hukum adalah risiko akibat tuntutan hukum Legal risk is the risk due to legal aspects, legal
dan/atau kelemahan aspek yuridis, yang antara claims and/or weaknesses in agreements which
lain disebabkan ketiadaan peraturan perundang- among others are caused by the absence of
undangan yang mendukung, atau kelemahan supporting regulations, or weaknesses in
perikatan seperti tidak dipenuhinya syarat sahnya agreements such as the criteria for valid
kontrak dan pengikatan agunan yang tidak contracts is not fulfilled, and collateral
sempurna. arrangements are inappropriate.
Identifikasi risiko hukum dilakukan pada seluruh Legal risk identification is performed for all
aktivitas fungsional yang melekat pada functional activities that are inherent to loan,
perkreditan, pendanaan, treasury, operasional, funding, treasury, operational, information
sistem informasi teknologi dan pengelolaan technology systems and human resources
sumber daya manusia. management.
Pengelolaan risiko hukum Bank dilaksanakan oleh Management of legal risk is performed by Legal
Divisi Legal. Divisi tersebut melaksanakan fungsi Division. The division conducts advisory function
advisory yakni memberikan opini serta masukan by providing opinions and suggestions in
dari sudut pandang hukum terkait dengan produk accordance to applicable law related to new
atau aktivitas baru dan ketika ada perubahan product or activity and if there are changes in
pada regulasi, melakukan reviu atas perjanjian- regulation, reviewing agreements which have
perjanjian yang dibuat antara Bank dengan pihak been made between Bank and third parties.
ketiga. Sedangkan penanganan dan penyelesaian Meanwhile to handle and complete the
kredit bermasalah serta permasalahan hukum di settlement of non-performing loans and legal
semua lembaga peradilan dilaksanakan oleh Divisi issues in all judiciaries, the Bank appointed
Special Asset Management. Special Asset Management Division.
Risiko reputasi Reputation risk
Risiko reputasi adalah risiko akibat menurunnya Reputation risk is the risk due to a decrease in
tingkat kepercayaan stakeholder yang the stakeholders’ trust that among others are
disebabkan adanya publikasi negatif terkait due to negative publications related to bank
dengan kegiatan dan kondisi keuangan Bank business activities and financial conditions or
maupun persepsi negatif terhadap Bank. negative perceptions against Bank.
Identifikasi risiko reputasi dilakukan secara Reputation risk identification is performed
berkala sesuai dengan pengalaman kerugian di periodically based on the knowledge of historical
masa lalu yang disebabkan oleh risiko reputasi. losses due to reputation risk. Reputation risk
Penilaian risiko reputasi dilakukan secara valuation is performed qualitatively among
kualitatif antara lain bersumber dari publikasi others from negative publications and
dan komentar negatif yang muncul dari commentaries from the public/customers and
masyarakat/nasabah dan keluhan nasabah customer complaints againts the Bank, employee
terhadap pelayanan Bank, perilaku karyawan attitude when providing services to customers
Bank dalam melayani nasabah dan sistem and the Bank’s communication system.
komunikasi Bank.
Pengelolaan risiko reputasi dilakukan melalui Reputation risk management is implemented by
penyampaian informasi keuangan dan kinerja submission of the Bank’s financial information
Bank secara transparan dan akuntabel, and performance in a transparent and
peningkatan standar layanan kepada nasabah, accountable manner, to enhance the services
menyediakan saluran komunikasi kepada nasabah standard for customers, to provide
untuk memberikan masukan kepada Bank, serta communication channel for customers in
memantau pengaduan nasabah termasuk providing advice for Bank and monitor customer
penyelesaiannya. complaints including its resolution.
Page 614
These Financial Statements are Originally Issued
in Indonesian Language
Ekshibit E/122 Exhibit E/122
PT BANK MASPION INDONESIA TBK PT BANK MASPION INDONESIA TBK
CATATAN ATAS LAPORAN KEUANGAN NOTES TO FINANCIAL STATEMENTS
UNTUK TAHUN YANG BERAKHIR PADA FOR THE YEAR ENDED
31 DESEMBER 2024 31 DECEMBER 2024
(Disajikan dalam ribuan Rupiah, kecuali dinyatakan lain) (Expressed in thousands of Rupiah, unless otherwise stated)
41. INFORMASI TAMBAHAN YANG TIDAK 41. ADDITIONAL INFORMATION THAT IS NOT REQUIRED
DIPERSYARATKAN OLEH STANDAR AKUNTANSI BY INDONESIAN ACCOUNTING STANDARDS
INDONESIA (Lanjutan) (Continued)
Informasi tambahan berikut yang disajikan di bawah The following additional information presented
ini merupakan informasi yang disyaratkan oleh below is information required by applicable
regulasi yang berlaku dan bukan/tidak merupakan regulations and is not information required by
informasi yang dipersyaratkan oleh Standar Akuntansi Indonesian Accounting Standards: (Continued)
Indonesia: (Lanjutan)
h. Manajemen risiko (Lanjutan) h. Risk management (Continued)
Risiko kepatuhan Compliance risk
Risiko kepatuhan adalah risiko yang terjadi Compliance risk is the risk incurred because the
karena Bank tidak mematuhi dan/atau tidak Bank has not complied with and/or has not
melaksanakan ketentuan internal dan peraturan implemented appropriate internal policies and
perundang-undangan. Pada prakteknya risiko regulations. In practice, compliance risk is
kepatuhan melekat pada risiko Bank yang terkait inherent to the Bank’s risk related to
pada peraturan perundang-undangan, ketentuan regulations, prudential provisions, and other
kehati-hatian, dan ketentuan lain yang berlaku, provisions, such as:
seperti:
Risiko kredit terkait dengan ketentuan Credit risk related to Capital Adequacy Ratio
Kewajiban Penyediaan Modal Minimum (“CAR”), Asset Quality, Allowance for
(“KPMM”), Kualitas Aset, Pembentukan Impairment Losses, and Legal Lending Limit
Cadangan Kerugian Penurunan Nilai (CKPN), (LLL) regulations;
dan Batas Maksimum Pemberian Kredit
(BMPK);
Risiko pasar terkait dengan ketentuan Posisi Market risk related to Net Open Position
Devisa Neto (“PDN”); (“NOP”) regulations;
Risiko lain yang terkait dengan ketentuan Other risks related to external and internal
eksternal dan internal. regulations.
Pengelolaan risiko kepatuhan Bank dilakukan The Bank’s compliance risk management is
dengan melakukan penilaian tingkat kepatuhan performed by assessing the Bank’s adherence to
Bank terhadap peraturan otoritas dan perundang- authority bodies and all prevailing laws,
undangan yang berlaku, mengefektifkan peran enhancing the effectiveness of Compliance
Satuan Kerja Kepatuhan dan menetapkan Working Unit, establishing compliance risk
kebijakan dan pedoman kerja kepatuhan sebagai policies and guideline in adherence to
acuan dalam melaksanakan manajemen risiko compliance risk management implementation
kepatuhan serta menyampaikan informasi and also deliver the internal and external
peraturan eksternal maupun internal melalui web information through compliance website that
kepatuhan yang dapat diakses oleh setiap can be access by every employee.
karyawan.
Tabel berikut menjelaskan pemenuhan atas rasio- The following table explain the fulfillment of the
rasio kepatuhan sesuai dengan Peraturan Otoritas compliance ratio in accordance with Financial
Jasa Keuangan dan Bank Indonesia: Service Authority and Bank Indonesia regulation:
2024 2023
Kewajiban penyediaan modal
minimum (KPMM) 43,52% 50,12% Capital adequacy ratio (CAR)
NPL bruto 3,26% 2,59% NPL gross
NPL bersih 2,07% 2,12% NPL net
Giro wajib minimum (Rupiah) 6,31% 7,88% Minimum statutory reserve (Rupiah)
Minimum statutory reserve
Giro wajib minimum (valuta asing) 4,27% 4,05% (foreign currency)
Rasio intermediasi makroprudensial 0,00% 0,00% Macroprudential intermediary ratio
Penyangga likuiditas
makroprudensial 30,88% 30,49% Macroprudential liquidity reserve
Posisi devisa neto (PDN) 0,54% 0,52% Net open position
Page 615
These Financial Statements are Originally Issued
in Indonesian Language
Ekshibit E/123 Exhibit E/123
PT BANK MASPION INDONESIA TBK PT BANK MASPION INDONESIA TBK
CATATAN ATAS LAPORAN KEUANGAN NOTES TO FINANCIAL STATEMENTS
UNTUK TAHUN YANG BERAKHIR PADA FOR THE YEAR ENDED
31 DESEMBER 2024 31 DECEMBER 2024
(Disajikan dalam ribuan Rupiah, kecuali dinyatakan lain) (Expressed in thousands of Rupiah, unless otherwise stated)
41. INFORMASI TAMBAHAN YANG TIDAK 41. ADDITIONAL INFORMATION THAT IS NOT REQUIRED
DIPERSYARATKAN OLEH STANDAR AKUNTANSI BY INDONESIAN ACCOUNTING STANDARDS
INDONESIA (Lanjutan) (Continued)
Informasi tambahan berikut yang disajikan di bawah The following additional information presented
ini merupakan informasi yang disyaratkan oleh below is information required by applicable
regulasi yang berlaku dan bukan/tidak merupakan regulations and is not information required by
informasi yang dipersyaratkan oleh Standar Akuntansi Indonesian Accounting Standards: (Continued)
Indonesia: (Lanjutan)
h. Manajemen risiko (Lanjutan) h. Risk management (Continued)
Risiko stratejik Strategic risk
Risiko stratejik adalah risiko akibat Strategic risk is the risk due to inaccurate
ketidaktepatan dalam pengambilan dan/atau decision making and/or implementation of
pelaksanaan suatu keputusan stratejik serta strategic decisions and failure in anticipating
kegagalan dalam mengantisipasi perubahan business environment changes. Strategic risk
lingkungan bisnis. Identifikasi risiko stratejik identification is performed periodically based on
dilakukan secara berkala sesuai dengan knowledge of historical losses due to strategic
pengalaman kerugian di masa lalu yang risk. Strategic risk control is performed through
disebabkan oleh risiko stratejik. Pengendalian periodical monitoring on the realization of the
risiko stratejik dilakukan melalui pemantauan budget, followed by the investigation of the
secara berkala terhadap realisasi atas rencana factors that cause failures.
kerja yang sudah ditetapkan dan dilanjutkan
dengan evaluasi dari faktor-faktor penyebab
kegagalan dan penetapan strategi untuk
mencapai rencana kerja yang ditetapkan.
i. Jaminan Pemerintah terhadap Liabilitas i. Government Guarantee of Obligations of Private
Pembayaran Bank Umum Banks
Berdasarkan Undang-undang No. 24 tanggal Based on Law No. 24 dated 22 September 2004,
22 September 2004 yang berlaku efektif sejak which was effective on 22 September 2005 and
tanggal 22 September 2005, sebagaimana diubah subsequently amended by the Government
dengan Peraturan Pemerintah Pengganti Undang- Regulation-in-Lieu-of Law No. 3 (Perpu
Undang Republik Indonesia No. 3 (Perpu No. 3/2008) dated 13 October 2008, the
No. 3/2008) tanggal 13 Oktober 2008, Lembaga Indonesian Deposit Insurance Corporation (LPS)
Penjaminan Simpanan (LPS) dibentuk untuk was formed to guarantee certain liabilities of
menjamin liabilitas tertentu bank umum commercial banks under the applicable
berdasarkan program penjaminan yang berlaku, guarantee program, where the amount of such
yang besaran nilai jaminannya dapat berubah jika guarantee can be changed if certain valid criteria
memenuhi kriteria tertentu yang berlaku. are fullfilled.
Berdasarkan Peraturan Pemerintah Republik Based on Government Regulation No. 66 year
Indonesia No. 66 tahun 2008 tanggal 13 Oktober 2008 dated 13 October 2008 regarding the
2008 mengenai Besarnya Nilai Simpanan yang Amount of Deposits Guaranteed by the Deposit
Dijamin Lembaga Penjaminan Simpanan, nilai Insurance Corporation, the guaranteed deposit
simpanan yang dijamin untuk setiap nasabah pada amount in a bank which previously according to
satu bank yang semula berdasarkan Undang- Law No. 24 Year 2004 amounted to a maximum
undang No. 24 Tahun 2004 ditetapkan maksimum of Rp100,000 was amended to a maximum
Rp100.000 diubah menjadi maksimum amount of Rp2,000,000.
Rp2.000.000.
Pada tanggal 31 Desember 2024 dan 2023, As of 31 December 2024 and 2023, customer
simpanan nasabah dijamin hanya jika suku deposits are covered only if the rate of interest
bunganya sama dengan atau di bawah masing- is equal to or below 4.25%, respectively.
masing sebesar 4,25%.
Pada tanggal 13 Januari 2009, Pemerintah On 13 January 2009, the Government of the
Republik Indonesia telah mengesahkan Perpu Republic of Indonesia has stipulated Perpu
No. 3/2008 menjadi Undang-undang. No. 3/2008 to become a law.
Page 616
These Financial Statements are Originally Issued
in Indonesian Language
Ekshibit E/124 Exhibit E/124
PT BANK MASPION INDONESIA TBK PT BANK MASPION INDONESIA TBK
CATATAN ATAS LAPORAN KEUANGAN NOTES TO FINANCIAL STATEMENTS
UNTUK TAHUN YANG BERAKHIR PADA FOR THE YEAR ENDED
31 DESEMBER 2024 31 DECEMBER 2024
(Disajikan dalam ribuan Rupiah, kecuali dinyatakan lain) (Expressed in thousands of Rupiah, unless otherwise stated)
41. INFORMASI TAMBAHAN YANG TIDAK 41. ADDITIONAL INFORMATION THAT IS NOT REQUIRED
DIPERSYARATKAN OLEH STANDAR AKUNTANSI BY INDONESIAN ACCOUNTING STANDARDS
INDONESIA (Lanjutan) (Continued)
Informasi tambahan berikut yang disajikan di bawah The following additional information presented
ini merupakan informasi yang disyaratkan oleh below is information required by applicable
regulasi yang berlaku dan bukan/tidak merupakan regulations and is not information required by
informasi yang dipersyaratkan oleh Standar Akuntansi Indonesian Accounting Standards: (Continued)
Indonesia: (Lanjutan)
i. Jaminan Pemerintah terhadap Liabilitas i. Government Guarantee of Obligations of Private
Pembayaran Bank Umum (Lanjutan) Banks (Continued)
Beban premi penjaminan Pemerintah yang The Government guarantee premiums paid by
dibayar oleh Bank untuk tahun yang berakhir pada the Bank for the years ended 31 December 2024
tanggal 31 Desember 2024 dan 2023, masing- and 2023 amounted to Rp29,683,616 and
masing sebesar Rp29.683.616 dan Rp23.513.187 Rp23,513,187, respectively (Note 27).
(Catatan 27).
42. INFORMASI PENTING LAINNYA 42. OTHER SIGNIFICANT INFORMATION
Pada tanggal 9 November 2024, Bank mendeteksi On 9 November 2024, the Bank detected an internal
adanya malfungsi internal pada layanan BI-Fast yang malfunction of the BI-Fast services which disrupted
menyebabkan terganggunya layanan dan the service and causing a loss to the bank (Notes 30).
menimbulkan kerugian bagi Bank (Catatan 30). Bank The Bank has carried out corrective actions on its
telah melakukan perbaikan pada sistem system and enhanced its cybersecurity. The material
dan meningkatkan keamanan siber. Dampak material impact on the incident is currently being managed
atas kejadian ini sedang dikelola untuk dapat ditekan with an aim to keep it as minimum as possible. Due
seminimal mungkin. Atas kejadian ini, tidak terdapat to this incident, there was no impact on customer
dampak terhadap dana nasabah. funds.
43. PERISTIWA SETELAH PERIODE PELAPORAN 43. SUBSEQUENT EVENT
Berdasarkan Surat Keputusan Direksi Based on the Board of Directors’ Decision Letter
No. 008/SK/DIR/01/2025 pada tanggal 8 Januari 2025 No. 008/SK/DIR/01/2025 dated 8 January 2025 which
yang berlaku sejak 8 Januari 2025, mengangkat was applied since 8 January 2025, appoint Sheffik
Sheffik Arzie sebagai Kepala Satuan Kerja Internal Arzie as Head of Internal Audit.
Audit.
44. PENYELESAIAN LAPORAN KEUANGAN 44. COMPLETION OF FINANCIAL STATEMENTS
Manajemen Bank bertanggung jawab atas The management of the Bank is responsible for the
penyusunan laporan keuangan ini yang diselesaikan preparation of the accompanying financial
dan disetujui untuk diterbitkan oleh Direksi Bank statements which were completed and authorized
pada tanggal 3 Maret 2025. for issue by the Bank’s Directors on 3 March 2025.
Page 617
Tel : +62-21 5795 7300 Tanubrata Sutanto Fahmi Bambang & Rekan
Fax : +62-21 5795 7301 Certified Public Accountant
www.bdo.co.id Licence No. 622/KM.1/2016
Head Office
Prudential Tower, 17th Floor
Jl. Jend. Sudirman Kav. 79
Jakarta 12910 - Indonesia
This report is originally issued in Indonesian language
No. : 00050/2.1068/AU.1/07/0117-4/1/III/2025 No. : 00050/2.1068/AU.1/07/0117-4/1/III/2025
Laporan Auditor Independen Independent Auditors’ Report
Pemegang Saham, Dewan Komisaris dan Direksi Shareholders, Board of Commissioners and Directors
PT Bank Maspion Indonesia Tbk PT Bank Maspion Indonesia Tbk
Surabaya Surabaya
Opini Opinion
Kami telah mengaudit laporan keuangan PT Bank We have audited the financial statements of PT Bank
Maspion Indonesia Tbk (“Bank”), yang terdiri dari Maspion Indonesia Tbk (“Bank”), which comprise the
laporan posisi keuangan tanggal 31 Desember 2024, statement of financial position as at 31 December 2024,
serta laporan laba rugi dan penghasilan komprehensif and the statements of profit or loss and other
lain, laporan perubahan ekuitas dan laporan arus kas comprehensive income, statement of changes in equity
untuk tahun yang berakhir pada tanggal tersebut, serta and statement of cash flows for the year then ended,
catatan atas laporan keuangan, termasuk ikhtisar and notes to the financial statements, including a
kebijakan akuntansi signifikan. summary of significant accounting policies.
Menurut opini kami, laporan keuangan terlampir In our opinion, the accompanying financial statements
menyajikan secara wajar, dalam semua hal yang present fairly, in all material respects, the financial
material, posisi keuangan Bank tanggal position of Bank as at 31 December 2024, and its
31 Desember 2024, serta kinerja keuangan dan arus financial performance and its cash flows for the year
kasnya untuk tahun yang berakhir pada tanggal then ended, in accordance with Indonesian Financial
tersebut, sesuai dengan Standar Akuntansi Keuangan di Accounting Standards.
Indonesia.
Basis opini Basis of opinion
Kami melaksanakan audit kami berdasarkan Standar We conducted our audit in accordance with Standards
Audit yang ditetapkan oleh Institut Akuntan Publik on Auditing established by the Indonesian Institute of
Indonesia. Tanggung jawab kami menurut standar Certified Public Accountants. Our responsibilities under
tersebut diuraikan lebih lanjut dalam paragraf these standards are further described in the Auditors’
Tanggung Jawab Auditor terhadap Audit atas Laporan Responsibilities for the Audit of the Financial
Keuangan pada laporan kami. Kami independen Statements paragraph in our report. We are
terhadap Bank berdasarkan ketentuan etika yang independent to the Bank based on the relevant ethical
relevan dalam audit kami atas laporan keuangan di requirements in our audit of the financial statements
Indonesia, dan kami telah memenuhi tanggung jawab in Indonesia, and we have fulfilled other ethical
etika lainnya berdasarkan ketentuan tersebut. Kami responsibilities under these provisions. We believe that
yakin bahwa bukti audit yang telah kami peroleh adalah the audit evidence we have obtained are sufficient and
cukup dan tepat untuk menyediakan suatu basis bagi appropriate to provide a basis for our audit opinion.
opini audit kami.
TANUBRATA SUTANTO FAHMI BAMBANG & REKAN
Tanubrata Sutanto Fahmi Bambang & Rekan (Certified Public Accountant), an Indonesian partnership, is a member of BDO International Limited, a UK
company limited by guarantee, and forms part of the international BDO network of independent member firms.
Page 618
Halaman 2 Page 2
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 yang professional judgment, were of most significance in our
paling signifikan dalam audit kami atas laporan audit of the financial statements of the current period.
keuangan periode kini. Hal-hal tersebut disampaikan These matters were addressed in the context of our
dalam konteks audit kami atas laporan keuangan secara audit of the financial statements as a whole, and in
keseluruhan, dan dalam merumuskan opini kami atas forming our opinion thereon, and we do not provide a
laporan keuangan terkait, kami tidak menyatakan suatu separate opinion on these matters.
opini terpisah atas hal audit utama tersebut.
Hal audit utama yang teridentifikasi dalam audit kami The key audit matters identified in our audit are
diuraikan sebagai berikut: outlined as follows:
Kerugian kredit ekspektasian (“KKE”) – cadangan Expected credit lossess (“ECL”) – allowance for
kerugian penurunan nilai atas kredit yang diberikan impairment lossess of loans
Kami berfokus pada akun ini dikarenakan tingkat We focused on this account because of the complexity
kerumitan yang terjadi dalam proses estimasi, dan involved in the estimation process, and the significant
pertimbangan signifikan yang dibuat oleh manajemen judgment made by management in ensuring the
dalam memastikan penyisihan cadangan kerugian allowance for impairment of loans was granted.
penurunan nilai atas kredit yang diberikan. Perhitungan The calculation for impairment is the justification
atas penurunan nilai merupakan justifikasi yang applied by each Bank.
diterapkan oleh setiap Bank.
Cadangan penyisihan kerugian penurunan nilai atas Allowance for impairment losses on loans that are
kredit yang diberikan yang dinilai secara individual individually assessed for impairment is determined by
mengalami penurunan nilai ditentukan dengan mengacu referring to the estimated futu re cash flows and the
pada estimasi penerimaan kas masa depan dan hasil dari result of the realization of collateral held by the Bank.
realisasi agunan yang dimiliki oleh Bank.
Untuk rekening kredit yang diberikan lainnya yang tidak For other credit accounts that are not impaired
mengalami penurunan nilai kredit secara individual, individually, they are included in the group of loans
termasuk dalam kelompok kredit yang diberikan dengan with the same risk characteristics and are assessed
karakteristik risiko yang sama dan dinilai secara kolektif collectively based on a portfolio using an internal
berdasarkan portofolio menggunakan model internal model developed by the Bank.
yang dikembangkan oleh Bank.
Seperti yang dijelakan dalam Catatan 11, Kredit yang As described in Note 11, Loans, based on financial
diberikan, atas laporan keuangan pada tanggal statements as of date 31 December 2024, the allowance
31 Desember 2024, cadangan kerugian penurunan nilai for impairment losses on loans provided of the Bank
atas kredit yang diberikan Bank adalah sebesar was Rp463,372,785 thousand.
Rp463.372.785 ribu.
Cadangan kerugian penurunan nilai atas pinjaman yang The allowance for impairment losses of loans was
diberikan ditentukan oleh Bank berdasarkan kerangka determined by Bank based on ECL framework under
KKE sesuai dengan PSAK 109: “Instrumen Keuangan”, SFAS 109:” Financial Instruments”, as described in
seperti yang dijelaskan dalam Catatan 2j, Identifikasi Note 2j, Identification and measurement of
dan pengukuran kerugian penurunan nilai. impairment losses.
Elemen kunci dalam cadangan kerugian penurunan nilai Key elements in allowances of loans impairment losses
atas pinjaman yang diberikan meliputi: includes:
• Identifikasi kredit yang diberikan yang mengalami • Identification of loans that are impaired, and the
penurunan nilai kredit, dan estimasi arus kas estimated cash flows (including the expected
(termasuk nilai realisasi yang diharapkan dari realizable value of the collateral held) that support
agunan yang dimiliki) yang mendukung perhitungan the calculation of individually assessed provisions;
provisi yang dinilai secara individual; dan and
TANUBRATA SUTANTO FAHMI BAMBANG & REKAN
Tanubrata Sutanto Fahmi Bambang & Rekan (Certified Public Accountant), an Indonesian partnership, is a member of BDO International Limited, a UK
company limited by guarantee, and forms part of the international BDO network of independent member firms.
Page 619
Halaman 3 Page 3
Hal audit utama (Lanjutan) Key audit matters (Continued)
Kerugian kredit ekspektasian (“KKE”) – cadangan Expected credit lossess (“ECL”) – allowance for
kerugian penurunan nilai atas kredit yang diberikan impairment lossess of loans (Continued)
(Lanjutan)
• Penerapan model penurunan nilai yang sesuai untuk • Application of an appropriate impairment model
akun yang dinilai secara kolektif. Ini termasuk for collectively valued accounts. This includes the
penggunaan asumsi kunci dalam model penurunan use of key assumptions in the impairment model
nilai (yaitu, staging of accounts, peningkatan risiko (ie, staging of accounts, significant increase in
kredit yang signifikan, informasi forward-looking), credit risk, forward-looking information), exposure
exposure at default (EAD), probability of default at default (EAD), probability of default (PD) and
(PD) dan loss given default (LGD). loss given default (LGD).
Dalam menentukan KKE, Bank mengadopsi model yang In determining the ECL, the Bank adopted complex
kompleks, menggunakan sejumlah parameter, models, employed numerous parameters, relied on
mengandalkan input data internal dan eksternal, dan internal and external data inputs, and applied
menerapkan pertimbangan manajemen yang signifikan significant management judgement in determining
dalam menentukan asumsi dan estimasi. Selain itu, assumptions and estimates. In addition, the loans and
kredit yang diberikan dan cadangan kerugian penurunan the allowance for impairment losses are significant to
nilai jumlahnya signifikan terhadap laporan keuangan. the financial statements. In view of these factors, we
Oleh karena itu, kami mengidentifikasi ini sebagai hal identified this as a key audit matter.
audit utama.
Bagaimana audit menangani hal audit utama How audit handles key audit matters
Kerugian penurunan nilai mencakup komponen Impairment losses include both quantitative
kuantitatif dan kualitatif. Dalam menghitung and qualitative components. In calculating
pencadangan kerugian kredit yang diberikan, Bank the provision for credit losses, the Bank applies
menerapkan model kerugian kredit ekspektasian (KKE) the expected credit loss model (ECL) as defined
yang ditentukan oleh Pernyataan Standar Akuntansi by Statement of Financial Accounting Standards 109
Keuangan 109 (PSAK 109), yang merupakan proses (PSAK 109), which is a complex process that takes into
kompleks yang memperhitungkan informasi ke depan account forward-looking information that reflects the
yang mencerminkan pandangan Bank tentang potensi Bank's view of potential future economic events.
masa depan peristiwa ekonomi.
Kami menilai desain dan menguji efektivitas operasi We assess the design and test the operating
dari kontrol utama atas pencadangan kerugian kredit effectiveness of the primary controls over the provision
yang diberikan. Kontrol utama ini termasuk: of credit losses. These main controls include:
• Penilaian kualitas kredit yang diberikan terkait • Loans quality assessment provided in relation to the
dengan sistem penilaian risiko kredit internal yang established internal credit risk assessment system;
telah ditetapkan;
• Persetujuan hasil KKE, termasuk penyesuaian pasca • Approval of the ECL results, including post model
model/overlay manajemen yang diterapkan; dan adjustments/management overlay applied; and
• Proses peninjauan dan persetujuan untuk hasil • Review and approval process for the results of the
model penurunan nilai; dan impairment model; and
• Proses reviu dan persetujuan atas penetapan • Review and approval process for determining credit
tingkat risiko kredit, reviu kinerja kredit dan risk levels, reviewing credit performance and
perhitungan cadangan wajib untuk pinjaman yang calculating mandatory reserves for loans assessed
dinilai sebagai kredit yang mengalami penurunan as impaired credit.
nilai.
Pekerjaan kami atas penurunan nilai pinjaman Our works on allowance of loans impairment lossess
termasuk: inludes:
• Penilaian metodologi yang diterapkan oleh Bank • Assessment of the methodology applied by the Bank
dalam pengembangan model KKE dibandingan in developing the ECL model compared to the
dengan persyaratan PSAK 109; requirements of PSAK 109;
TANUBRATA SUTANTO FAHMI BAMBANG & REKAN
Tanubrata Sutanto Fahmi Bambang & Rekan (Certified Public Accountant), an Indonesian partnership, is a member of BDO International Limited, a UK
company limited by guarantee, and forms part of the international BDO network of independent member firms.
Page 620
Halaman 4 Page 4
Hal audit utama (Lanjutan) Key audit matters (Continued)
• Pengujian asumsi kunci dalam model KKE seperti • Testing key assumptions in ECL models such as PD,
PD, LGD, dan EAD yang dibuat berdasarkan data LGD, and EAD based on historical data;
historis;
• Penilaian kelayakan definisi Bank tentang • Assessment of the feasibility of the Bank's
peningkatan signifikan dalam risiko kredit dan definition of a significant increase in credit risk and
staging dari account melalui analisis tren historis staging of the account through analysis of historical
dan perilaku kredit masa lalu dari portofolio trends and past credit behavior of the loan’s
pinjaman; portfolio;
• Perbandingan independen dari informasi ekonomi • Independent comparison of the economic
yang digunakan di dalam dan bobot yang information used in and the weights applied to the
diterapkan pada, skenario forward-looking dalam forward-looking scenarios in the ECL model against
model KKE terhadap data ekonomi makro yang available macroeconomic data;
tersedia;
• Menguji akurasi dan kewajaran hasil model KKE • Test the accuracy and reasonableness of the results
melalui penghitungan ulang yang independen; of the ECL model through independent
recalculation;
• Menilai asumsi utama yang digunakan dalam • Assessing the key assumptions used in the post
penyesuaian pasca model/overlay manajemen yang model adjustment/management overlay which
diterapkan untuk mengantisipasi risiko yang tidak were applied to respond to risks not fully
dapat diakomodasi sepenuhnya oleh model dengan accommodated by the models by testing the
menguji data pendukung dan perhitungan. supporting data and calculation.
• Untuk sampel kredit yang diberikan yang dinilai • For a sample of individually assessed loans that are
secara individual yang diidentifikasi sebagai kredit identified as impaired credit, examine relevant
yang mengalami penurunan nilai, memeriksa supporting documents such as recent financial
dokumen pendukung yang relevan seperti informasi information from borrowers or collateral
keuangan terbaru dari peminjam atau penilaian valuations used as the basis for estimating
agunan yang digunakan sebagai dasar dalam recoverable amounts and measuring allowance for
memperkirakan jumlah yang dapat diperoleh credit losses granted; and
kembali dan mengukur penyisihan kerugian kredit
yang diberikan; dan
• Perhitungan kembali penyisihan kerugian kredit • Recalculation of the collective allowance for
yang diberikan secara kolektif untuk rekening dan credit losses for selected accounts and portfolios
portofolio terpilih pada tanggal pelaporan at the reporting date using the ECL model adopted
menggunakan model KKE yang diadopsi oleh Bank. by the Bank.
Informasi lain Other information
Manajemen bertanggung jawab atas informasi lain. Management is responsible for the other information.
Informasi lain terdiri dari informasi yang tercantum The other information comprises the information
dalam laporan tahunan, tetapi tidak termasuk laporan included in annual report, does not include the
keuangan dan laporan auditor kami. Laporan tahunan financial statements and our auditors’ report
diharapkan akan tersedia bagi kami setelah tanggal thereon. The annual report is expected to be made
laporan auditor ini. available to us after the date of this auditors’ report.
Opini kami atas laporan keuangan tidak mencakup Our opinion on the financial statements does not
informasi lain, dan oleh karena itu, kami tidak cover the other information and we do not express any
menyatakan bentuk keyakinan apapun atas informasi form of assurance conclusion thereon.
lain tersebut.
TANUBRATA SUTANTO FAHMI BAMBANG & REKAN
Tanubrata Sutanto Fahmi Bambang & Rekan (Certified Public Accountant), an Indonesian partnership, is a member of BDO International Limited, a UK
company limited by guarantee, and forms part of the international BDO network of independent member firms.
Page 621
Halaman 5 Page 5 Informasi lain (Lainnya) Other information (Continued) Sehubungan dengan audit kami atas laporan keuangan, In connection with our audit of the financial tanggung jawab kami adalah untuk membaca informasi statements, our responsibility is to read the other lain yang terindentifikasi di atas, jika tersedia dan, information identified above when it becomes dalam melaksanakannya, mempertimbangkan apakah available and, in doing so, consider whether the other informasi lain mengandung ketidakkonsistensian information is materially inconsistent with the material dengan laporan keuangan atau pemahaman financial statements or our knowledge obtained in the yang kami peroleh selama audit, atau mengandung audit or otherwise appears to be materially kesalahan penyajian material. misstated. Ketika kami membaca laporan tahunan, jika kami When we read the annual report, if we conclude that menyimpulkan bahwa terdapat suatu kesalahan there is a material misstatement therein, we are penyajian material di dalamnya, kami diharuskan untuk required to communicate the matter to those charged mengomunikasikan hal tersebut kepada pihak yang with governance and take appropriate actions in bertanggung jawab atas tata kelola dan mengambil accordance with Standards on Auditing established by tindakan tepat berdasarkan Standar Audit yang the Indonesian Institute of Certified Public ditetapkan oleh Institut Akuntan Publik. Accountants. Tanggung jawab manajemen dan pihak yang Responsibilities of management and those charged bertanggung jawab atas tata kelola terhadap laporan with governance’s of financial statements keuangan Manajemen bertanggung jawab atas penyusunan dan The Management is responsible for the preparation penyajian wajar laporan keuangan tersebut sesuai and fair presentation of the financial statements in dengan Standar Akuntansi Keuangan di Indonesia, dan accordance with Indonesian Financial Accounting atas pengendalian internal yang dianggap perlu oleh Standards, and for internal controls deemed necessary Manajemen untuk memungkinkan penyusunan laporan by the Management to enable the preparation of keuangan yang bebas dari kesalahan penyajian financial statements that are free from material material, baik yang disebabkan oleh kecurangan misstatement, whether caused by fraud or error. maupun kesalahan. Dalam penyusunan laporan keuangan, Manajemen In preparing of the financial statements, the bertanggung jawab untuk menilai kemampuan Bank Management are responsible for assessing the Bank's dalam mempertahankan kelangsungan usahanya, ability to maintain its business continuity, disclosing, mengungkapkan, sesuai dengan kondisinya, hal-hal in accordance with the conditions, matters relating to yang berkaitan dengan kelangsungan usaha, dan business continuity, and using the going concern menggunakan basis akuntansi kelangsungan usaha, accounting basis, unless the Management has the kecuali Manajemen memiliki intensi untuk melikuidasi intention to liquidate the Bank or terminate the Bank atau menghentikan operasi, atau tidak memiliki business. operation, or have no realistic alternative alternatif yang realistis selain melaksanakannya. but to carry it out. Pihak yang bertanggung jawab atas tata kelola Those charged with governance are responsible for bertanggung jawab untuk mengawasi proses pelaporan overseeing the Bank's financial reporting process. keuangan Bank. Tanggung jawab auditor terhadap Audit atas laporan Auditors’ responsibility for the audit of financial keuangan statements Tujuan kami adalah untuk memeroleh keyakinan Our objectives are to obtain reasonable assurance memadai tentang apakah laporan keuangan secara about whether the financial statements as a whole are keseluruhan bebas dari kesalahan penyajian material, free from material misstatement, whether due to baik yang disebabkan oleh kecurangan maupun fraud or error, and to issue an auditors’ report that kesalahan, dan untuk menerbitkan laporan auditor includes our opinion. Reasonable assurance is a high yang mencakup opini kami. Keyakinan memadai level of assurance but is not a guarantee that an audit merupakan suatu tingkat keyakinan tinggi, namun conducted in accordance with Standard on Auditing bukan merupakan suatu jaminan bahwa audit yang will always detect a material misstatement when it dilaksanakan berdasarkan Standar Audit akan selalu exists. mendeteksi kesalahan penyajian material ketika hal tersebut ada. TANUBRATA SUTANTO FAHMI BAMBANG & REKAN Tanubrata Sutanto Fahmi Bambang & Rekan (Certified Public Accountant), an Indonesian partnership, is a member of BDO International Limited, a UK company limited by guarantee, and forms part of the international BDO network of independent member firms.
Page 622
Halaman 6 Page 6
Tanggung jawab auditor terhadap Audit atas laporan Auditors’ responsibility for the audit of financial
keuangan (Lanjutan) statements (Continued)
Kesalahan penyajian dapat disebabkan oleh Misstatements can arise from fraud or error and are
kecurangan maupun kesalahan dan dianggap material considered material if, individually or in the
jika, baik secara individual maupun secara agregat, aggregate, they could reasonably be expected to
dapat diekspektasikan secara wajar akan memengaruhi influence the economic decisions of users taken on the
keputusan ekonomi yang diambil oleh pengguna basis of these financial statements.
berdasarkan laporan keuangan tersebut.
Sebagai bagian dari suatu audit berdasarkan Standar As part of an audit based on the Auditing Standards,
Audit, kami menerapkan pertimbangan profesional dan we exercise professional judgment and maintain
mempertahankan skeptisisme profesional selama professional skepticism throughout the audit. We
audit. Kami juga: also:
• Mengidentifikasi dan menilai risiko kesalahan • Identify and assess the risks of material
penyajian material dalam laporan keuangan, baik misstatement of the financial statements,
yang disebabkan oleh kecurangan maupun whether due to fraud or error, design and perform
kesalahan, mendesain dan melaksanakan prosedur audit procedures that are responsive to these
audit yang responsif terhadap risiko tersebut, serta risks, and obtain sufficient appropriate audit
memperoleh bukti audit yang cukup dan tepat evidence to provide a basis for our opinion. The
untuk menyediakan basis bagi opini kami. Risiko risk of not detecting a material misstatement due
tidak terdeteksinya kesalahan penyajian material to fraud is higher than that caused by error, as
yang disebabkan oleh kecurangan lebih tinggi dari fraud may involve collusion, forgery, omission,
yang disebabkan oleh kesalahan, karena misstatement, or neglect of internal control.
kecurangan dapat melibatkan kolusi, pemalsuan,
penghilangan secara sengaja, pernyataan salah,
atau pengabaian pengendalian internal.
• Memperoleh suatu pemahaman tentang • Obtain an understanding of internal control
pengendalian internal yang relevan dengan audit relevant to the audit in order to design audit
untuk mendesain prosedur audit yang tepat sesuai procedures that are appropriate in the
kondisinya, tetapi bukan untuk tujuan menyatakan circumstances, but not for the purpose of
opini atas keefektivitasan pengendalian internal expressing an opinion on the effectiveness of the
Bank. Bank's internal control.
• Mengevaluasi ketepatan kebijakan akuntansi yang • Evaluate the appropriateness of the accounting
digunakan serta kewajaran estimasi akuntansi dan policies used and the reasonableness of accounting
pengungkapan terkait yang dibuat oleh estimates and related disclosures made by the
Manajemen. Management.
• Menyimpulkan ketepatan penggunaan basis • Conclude the appropriate use of the going concern
akuntansi kelangsungan usaha oleh Manajemen accounting basis by the Management and, based on
dan, berdasarkan bukti audit yang diperoleh, the audit evidence obtained, whether there is a
apakah terdapat suatu ketidakpastian material material uncertainty related to events or
yang terkait dengan peristiwa atau kondisi yang conditions that may cast significant doubt on the
dapat menyebabkan keraguan signifikan atas Bank's ability to continue as a going concern. When
kemampuan Bank untuk mempertahankan we conclude that there is a material uncertainty,
kelangsungan usahanya. Ketika kami we are required to draw attention in our auditors’
menyimpulkan bahwa terdapat suatu report to the relevant disclosures in the financial
ketidakpastian material, kami diharuskan untuk statements or, if such disclosures are inadequate,
menarik perhatian dalam laporan auditor kami ke to determine whether it is necessary to modify our
pengungkapan terkait dalam laporan keuangan opinion. Our conclusions are based on the audit
atau, jika pengungkapan tersebut tidak memadai, evidence obtained up to the date of our
harus menentukan apakah perlu untuk auditors’report. However, future events or
memodifikasi opini kami. Kesimpulan kami conditions may cause the Bank to be unable to
didasarkan pada bukti audit yang diperoleh hingga continue as a going concern.
tanggal laporan auditor kami. Namun, peristiwa
atau kondisi masa depan dapat menyebabkan Bank
tidak dapat mempertahankan kelangsungan usaha.
TANUBRATA SUTANTO FAHMI BAMBANG & REKAN
Tanubrata Sutanto Fahmi Bambang & Rekan (Certified Public Accountant), an Indonesian partnership, is a member of BDO International Limited, a UK
company limited by guarantee, and forms part of the international BDO network of independent member firms.
Page 623
Halaman 7 Page 7
Tanggung jawab auditor terhadap Audit atas laporan Auditors’ responsibility for the audit of financial
keuangan (Lanjutan) statements (Continued)
• Mengevaluasi penyajian, struktur, dan isi laporan • Evaluate the overall presentation, structure and
keuangan secara keseluruhan, termasuk content of the financial statements, including their
pengungkapannya, dan apakah laporan keuangan disclosures, and whether the financial statements
mencerminkan transaksi dan peristiwa yang reflect the underlying transactions and events in a
mendasarinya dengan suatu cara yang mencapai manner that achieves fair presentation.
penyajian wajar.
Kami mengkomunikasikan kepada pihak yang We communicate to those charged with governance
bertanggung jawab atas tata kelola mengenai, antara regarding, such as, the planned scope and timing of
lain, ruang lingkup dan saat yang direncanakan atas the audit, as well as significant audit findings,
audit, serta temuan audit signifikan, termasuk setiap including any significant deficiencies in internal
defisiensi signifikan dalam pengendalian internal yang control identified by us during the audit.
teridentifikasi oleh kami selama audit.
Kami juga memberikan suatu pernyataan kepada pihak We also provide a statement to those charged with
yang bertanggung jawab atas tata kelola bahwa kami governance that we have complied with the relevant
telah mematuhi ketentuan etika yang relevan mengenai ethical requirements regarding independence, and
independensi, dan mengkomunikasikan seluruh communicate all relationships, and other matters that
hubungan, serta hal-hal lain yang dianggap secara wajar we reasonably deem to affect our independence, and
berpengaruh terhadap independensi kami, dan jika where relevant, related safeguards.
relevan, pengamanan terkait.
Dari hal-hal yang dikomunikasikan kepada pihak yang In terms of matters communication to those charged
bertanggung jawab atas tata kelola, kami menentukan with governance, we determine those matters which
hal-hal tersebut yang paling signifikan dalam audit atas are most significant in the audit of the current period's
laporan keuangan periode kini dan oleh karenanya financial statements and therefore constitute the
menjadi hal audit utama. Kami menguraikan hal audit principal audit matters. We describe key audit matters
utama dalam laporan auditor kami, kecuali peraturan in our auditors’ report, unless law or regulation
perundang-undangan melarang pengungkapan publik prohibits public disclosure of the matter or when, in
tentang hal tersebut atau ketika, dalam kondisi yang very rare circumstances, we determine that a matter
sangat jarang terjadi, kami menentukan bahwa suatu should not be communicated in our report because the
hal tidak boleh dikomunikasikan dalam laporan kami adverse consequences of communicating it would be is
karena konsekuensi merugikan dari mengkomunikasikan reasonably expected to outweigh the public interest
hal tersebut akan diekspektasikan secara wajar benefit of the communication.
melebihi manfaat kepentingan publik atas komunikasi
tersebut.
Kantor Akuntan Publik
TANUBRATA SUTANTO FAHMI BAMBANG & Rekan
E.Wisnu Susilo Broto, SE, Ak, M.Ak, CPA, CA
NIAP AP. 0117/
License No. AP. 0117
3 Maret 2025 / 3 March 2025
TANUBRATA SUTANTO FAHMI BAMBANG & REKAN
Tanubrata Sutanto Fahmi Bambang & Rekan (Certified Public Accountant), an Indonesian partnership, is a member of BDO International Limited, a UK
company limited by guarantee, and forms part of the international BDO network of independent member firms.
Page 624
Names mentioned 131 people and organisations named in the text · linked when the evidence is strong
unresolved
org
Bank Maspion
p.2 ×160
unresolved
org
Bank Maspion Integrated
p.2
unresolved
org
KASIKORN VISION FINANCIAL COMPANY PTE. LTD.
p.2 ×7
unresolved
org
KASIKORNBANK PUBLIC COMPANY LIMITED
p.2 ×4
unresolved
org
KASIKORN VISION FINANCIAL PTE. LTD.
p.2 ×3
unresolved
org
Financial Services Authority
p.7 ×10
unresolved
person
Worawut Wesaratchakit
p.17 ×2
unresolved
person
Wendy Firman
· Direktur
p.17 ×2
unresolved
org
Bank Maspion's
p.17 ×4
unresolved
person
Theresia Endah Winarni
· Direktur
p.18 ×17
unresolved
person
Kittichart Potithat
p.20 ×2
unresolved
org
Bank Maspion Sukses Menyelenggarakan
p.21
unresolved
org
Bank Maspion Successfully Held
p.21
unresolved
person
Hj. Irlisa Rachmadiana
p.22 ×2
unresolved
person
SSn
p.22 ×2
unresolved
person
Prof. Ir. Roy Sembel
p.22 ×2
unresolved
org
Bank Awards
p.22 ×2
unresolved
person
Viktor Ebenheizer Fanggiadae
· Direktur
p.23 ×7
unresolved
org
Info Bank. Ms. Kasemsri Charoensiddhi
· President Director
p.23
unresolved
org
Bank Maspion Bank Maspion
p.26 ×3
unresolved
org
Bank Maspion’s GCG
p.30
unresolved
person
M. Pujiono Santoso
· Commissioner
p.32 ×3
unresolved
org
Bank Indonesia
p.41 ×33
unresolved
org
Bank Bank Maspion
p.42
unresolved
org
Bank Maspion. Tak
p.43
unresolved
org
Indonesia Stock Exchange
p.46 ×11
unresolved
person
Soetjipto
· Notaris
p.47 ×6
unresolved
org
Menteri Kehakiman Republik Indonesia
p.47
unresolved
org
Pengadilan Negeri Surabaya
p.47
unresolved
org
Ministry of Justice of The Republic of Indonesia
p.47
unresolved
org
Surabaya District Court
p.47
unresolved
org
Menteri Keuangan Republik Indonesia
p.48
unresolved
org
Minister of Finance
p.48
unresolved
org
KASIKORNBANK PUBLIC COMPANY COMPANY LIMITED
p.49
unresolved
org
Bank Indonesia Certificates
p.50
unresolved
org
Bank Maspion’s Internet Banking. Banking Bank Maspion. Rekening
p.56
unresolved
org
Bank Garansi
p.61
unresolved
person
K.H. Zainul Arifin
p.65 ×5
unresolved
person
Dr. Wahidin Sudirohusodo
p.66 ×2
unresolved
person
Dr. Wahidin
p.68
unresolved
org
PT Maspion Kencana
p.68
unresolved
person
Denpasar
p.69
unresolved
org
Musyawarah Perbankan Daerah
p.69
unresolved
person
Forum Komunikasi
· Direktur
p.69
unresolved
person
Kamseri Charoensiddhi
· Direktur Utama
p.70
unresolved
person
Sahan
· Direktur Marketing
p.70
unresolved
—
Fanggidae
· Compliance and Legal Director
p.70
unresolved
—
Sumampouw
· Credit & Risk Director
p.70
unresolved
org
True Corporation
p.72 ×2
unresolved
org
Kasikorn Bank Public Company Limited
p.72 ×9
unresolved
org
Kasikorn Vision CO. LTD
p.72
unresolved
org
PT Marindo Boga
p.73 ×4
unresolved
person
Asisten
· Direktur
p.73 ×2
unresolved
org
PT WILLOWTREE CAPITAL
p.74 ×6
unresolved
org
PT WILLOWTREE ENERGY
p.74 ×4
unresolved
org
PT WILLOWTREE ENERGY CIKAOK
p.74 ×2
unresolved
org
PT WILLOWTREE
p.74
unresolved
org
Shanghai Banking Corporation
p.75
unresolved
org
Deputy Treasurer Bangkok Bank Limited
p.75 ×2
unresolved
org
Bank Mitsubishi Buana
p.75 ×2
unresolved
org
Bank Niaga Tbk
p.76 ×6
unresolved
org
PT CIMB Niaga
p.76 ×2
unresolved
org
Niaga Tbk
p.76
unresolved
org
Bank Maspion
(2018-2022) | Indonesia
p.76
unresolved
org
Indonesia Tbk
p.76
unresolved
org
SCB Securities Co., Ltd.
p.78 ×2
unresolved
org
Goldman Sachs Asia LLC
p.78 ×2
unresolved
org
Krungsri Asset Management Co., Ltd.
p.78 ×2
unresolved
org
Bank Universal
p.79 ×2
unresolved
org
HSBC Ltd.
p.81 ×2
unresolved
org
Bank ANZ Indonesia
p.81 ×2
unresolved
org
PT Sarana Multi Infrastructure
p.82
unresolved
person
Deputi
· Direktur
p.83
unresolved
person
Deputy
· Direktur Operasional
p.83
unresolved
—
Integated Report 2024
· 83
p.83
unresolved
org
PT Adimitra Jasa Korpora selaku Biro Administrasi
· Jasa Korpora the Share Registraras of 31, 2024 , Bank Maspion’s
p.84 ×2
unresolved
org
PTE. LTD.
p.84
unresolved
org
KASIKORN KASIKORN VISION FINANCIAL COMPANY PTE. LTD.
p.86
unresolved
org
Pemegang Saham Shareholder Structure KASIKORNBANK PUBLIC COMPANY LIMITED
p.87
unresolved
org
KASIKORN VISION FINANCIAL COMPANY PTD LTD
p.87
unresolved
org
Tanubrata Sutanto Fahmi Bambang & Rekan
p.88
unresolved
org
PT Kustodian Sentral Efek Indonesia
p.89
unresolved
org
PT Kustodian Sentral Efek Indonesia Kirana Boutique Office
p.89
unresolved
org
Kementerian Keuangan
p.92
unresolved
org
Ministry of Finance
p.92
unresolved
org
Kantor Akuntan Publik Tanubrata Sutanto Fahmi
p.101
unresolved
org
Public Accounting Firm Tanubrata Sutanto Fahmi Bambang & Rekan
p.101
unresolved
org
Bambang & Partners
p.101
unresolved
org
Bank Indonesia Giro
p.101
unresolved
org
Bank Simpanan Bank Indonesia
p.102
unresolved
org
Bank Indonesia Penempatan
p.108
unresolved
org
Bank Maspion. RUPS
p.165
unresolved
org
Publik Tanubrata Sutanto Fahmi Bambang & Rekan
p.166
unresolved
org
Public Accounting Firm Tanubrata Sutanto Fahmi Bambang & Partners
p.166
unresolved
org
Public Accountintg Firm Tanubrata Sutanto Fahmi Bambang & Partners
p.170
unresolved
person
PIAGAM
· KOMISARIS
p.176
unresolved
—
BOC Charter
· Komisaris
p.176
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