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Sanggahan dan Batasan Tanggung Jawab Disclaimer and Scope of Responsibilities Laporan Tahunan 2024 PT Bank Victoria International Tbk (yang selanjutnya disebut Bank Victoria atau Bank) ini disusun untuk memenuhi ketentuan pelaporan hasil kinerja Bank pada periode 1 Januari 2024 sampai dengan 31 Desember 2024 kepada regulator dan pemangku kepentingan. Laporan Tahunan ini antara lain disusun berdasarkan Peraturan Otoritas Jasa Keuangan No. 29/POJK.04/2016 tentang Laporan Tahunan Emiten atau Perusahaan Publik dengan muatan konten sesuai Surat Edaran Otoritas Jasa Keuangan No. 16/SEOJK.04/2021 tentang Bentuk dan Isi Laporan Tahunan Emiten atau Perusahaan Publik. Laporan Tahunan ini memuat pernyataan terkait tujuan, kebijakan, rencana, strategi, serta hasil operasi dan keuangan yang disusun berdasarkan data faktual yang dapat dipertanggungjawabkan kebenarannya. Selain itu, Laporan Tahunan ini juga menyajikan informasi terkait proyeksi kerja Bank di tahun selanjutnya yang disusun berdasarkan pernyataan-pernyataan prospektif dan berbagai asumsi mengenai kondisi mendatang Bank, serta lingkungan bisnis yang terkait, sehingga dapat mengakibatkan perkembangan aktual secara material berbeda dari yang dilaporkan. Oleh karena itu, Bank mengimbau agar pemangku kepentingan dapat menggunakan informasi tersebut secara bijak dalam pengambilan keputusan. The 2024 Annual Report of PT Bank Victoria International Tbk (hereinafter referred to as Bank Victoria or Bank) was prepared to meet the requirements of reporting the Bank performance results for the period of 1 January 2024 to 31 December 2024 to the regulator and stakeholders. This Annual Report was compiled based on Financial Services Authority Regulation No. 29/POJK.04/2016 on Annual Reports of Issuers or Public Companies with contents in accordance with Financial Services Authority Circular No. 16/SEOJK.04/2021 on the Form and Content of Annual Reports of Issuers or Public Companies. This Annual Report contains statements related to objectives, policies, plans, strategies, and results of operations and finance compiled based on factual data that is justifiable. In addition, this Annual Report also presents information related to the Bank work projections for the following year compiled based on prospective statements and various assumptions regarding the Bank’s future conditions, as well as the related business environment, which may result in actual developments that are materially different from those reported. Therefore, the Bank urges stakeholders to use the information with discretion in their decision making.
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Kesinambungan Tema
Theme Continuity
2024
Laporan Tahunan
dan Keberlanjutan
Annual and
Sustainability Report
Continuous Transformation with
Strong Governance and Excellence Services
for Sustainable Growth
Bank Victoria berkomitmen untuk terus bertransformasi Bank Victoria is committed to continuing to transform
secara berkelanjutan guna menghadirkan layanan perbankan in a sustainable manner to provide excellent, adaptive,
yang unggul, adaptif, dan relevan dengan kebutuhan zaman. and relevant banking services to the needs of the times.
Transformasi dilakukan secara bertahap namun terarah The transformation is conducted gradually but in a targeted
melalui penguatan digitalisasi, inovasi produk dan layanan, manner through strengthening digitalization, innovating
serta peningkatan efisiensi operasional. Seluruh langkah product and services, and increasing operational efficiency.
ini dijalankan dengan tetap menjaga prinsip kehati-hatian, All of these steps are carried out while maintaining
kepatuhan terhadap regulasi, dan pengelolaan risiko yang prudential principles, compliance with regulations, and
menyeluruh. comprehensive risk management.
Lebih lanjut, pertumbuhan yang ingin dicapai Bank bukan Furthermore, the growth pursued by the Bank is not only
hanya bersifat jangka pendek, melainkan mengarah pada short-term, but also leads to long-term sustainability. This
keberlanjutan jangka panjang. Hal ini diwujudkan melalui is realized through strengthening corporate governance
penguatan tata kelola perusahaan dan layanan yang berfokus and customer-focused services, which are the foundation
pada nasabah, yang menjadi fondasi untuk menciptakan for creating added value for all stakeholders. In line
nilai tambah bagi seluruh pemangku kepentingan. with the Sustainable Finance Action Plan (RAKB), Bank
Sejalan dengan Rencana Aksi Keuangan Berkelanjutan Victoria also constantly increases positive contributions
(RAKB), Bank Victoria juga terus meningkatkan kontribusi in economic, social, and environmental aspects as part
positif dalam aspek ekonomi, sosial, dan lingkungan sebagai of its responsibility in establishing a more inclusive and
bagian dari tanggung jawab dalam membangun masa depan sustainable future.
yang lebih inklusif dan berkelanjutan.
Laporan Tahunan dan Keberlanjutan 2024 Annual and Sustainability Report | PT Bank Victoria International Tbk 1
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2023 2022
MOVING FORWARD TO INNOVATION AND GOVERNANCE
ACCELERATED GROWTH AND FOR HIGHER LEVEL OF
STRONGER GOVERNANCE CONVENIENCE BANKING
PT Bank Victoria International Tbk menyambut baik setiap potensi PT Bank Victoria International Tbk terus menjalankan rencana
pertumbuhan ekonomi dan stabilitas sistem keuangan dengan bisnis yang prudent dengan mempertimbangkan skala usaha,
optimis, namun tetap realistis dan reliabel. Hal ini terlihat dari tingkat kesehatan keuangan, serta arah pertumbuhan ke depan.
strategi dan kebijakan yang ditempuh Bank yang menekankan pada Sebagai bentuk perwujudannya, di tahun 2022, Bank melakukan
akselerasi pertumbuhan bisnis yang prudent dan berkelanjutan pengembangan secara berkelanjutan terhadap internet banking
melalui inovasi produk dan layanan berbasis digital yang disertai dan mobile banking untuk memberikan produk dan layanan yang
dengan penguatan implementasi tata kelola perusahaan yang baik kompetitif. Diversifikasi pada portfolio kredit juga dilakukan dengan
dan berkelanjutan, termasuk manajemen risiko yang komprehensif. disertai upaya membangun kredit channeling dan ekosistem
Melalui penerapan strategi secara ketat namun adaptif, digital lending sebagai salah satu pilar utama pertumbuhan
serta bertahap namun terarah, Bank akan mampu meraih operasional dan keuangan yang berkelanjutan. Inovasi yang sejalan
pertumbuhan yang sehat dan berkelanjutan. dengan penyempurnaan sistem tata kelola yang sedang berjalan
ini diyakini akan membawa Bank naik pada posisi yang lebih tinggi
di industri perbankan nasional.
PT Bank Victoria International Tbk welcomes any potential for PT Bank Victoria International Tbk keeps executing a sensible
economic growth and financial system stability with optimism, business strategy while taking into account the size of the company,
but remains realistic and reliable. This can be seen from the strategies its level of financial stability, and its projected growth paths.
and policies adopted by the Bank, which emphasize accelerating In order to provide customers with competitive goods and services,
prudent and sustainable business growth through digital-based the Bank continues to improve its internet banking and mobile
product and service innovation, accompanied by strengthening banking in 2022. The diversification of the credit portfolio has also
the implementation of good and sustainable corporate governance, undertaken along with efforts to create credit channeling and digital
including comprehensive risk management. By implementing lending ecosystems as one of the key foundations of sustainable
strict-but-adaptive, gradual-but directed strategies, the Bank will operational and financial growth. The Bank is expected to level up
be able to achieve sound and sustainable growth. in the national banking sector as a result of this innovation, which is
in line with the continual improvement of the governance system.
2 PT Bank Victoria International Tbk | Laporan Tahunan dan Keberlanjutan 2024 Annual and Sustainability Report
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Keunggulan Kompetitif
Competitive Advantages
Memiliki Jaringan Kantor Operasional
yang Berfokus pada Penetrasi Pasar
Having Operational Office Network that
Focuses on Market Penetration
Inovasi Produk dan Layanan
Product and Service Innovations
Memiliki Tingkat Kecukupan
Modal yang Kuat
Having Strong Capital Adequacy
Memiliki Potensi Sinergi dan Saling Manajemen yang Kuat, Berpengalaman,
Menguntungkan dengan Seluruh Grup Usaha dan Berdedikasi dengan Visi dan Misi Baru,
serta Memiliki Komitmen Tinggi pada
Potential Synergy and Mutual Benefits
Peningkatan Penerapan GCG
with All Business Groups
Strong, Experienced, and Dedicated
Menerapkan Good Personal Customer Relation Management with New Vision and Mission,
Approach (Relationship Banking) as well as High Commitment on Improving
Implementing the Good Personal Customer GCG Implementation
Relation Approach (Relationship Banking)
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Komitmen dan Strategi Keberlanjutan [POJK A.1]
Sustainability Commitment and Strategy
Perjalanan bisnis Bank Victoria sebagai lembaga keuangan selama Business journey of Bank Victoria as a financial institution for more
lebih dari 30 tahun tidak lepas dari kepercayaan para pemangku than 30 years cannot be separated from the trust of stakeholders
kepentingan yang berkontribusi terhadap keberlanjutan usaha who give contribution to the Bank’s business sustainability.
Bank. Kami meyakini bahwa untuk menciptakan perusahaan yang We believe that to create a long-term sustainable company, it is not
berkelanjutan secara jangka panjang, tidak hanya menghadirkan only necessary to present quality banking products and services, but
produk dan layanan perbankan yang berkualitas, tetapi juga also requires more attention to social and environmental aspects.
diperlukan perhatian lebih pada aspek sosial dan lingkungan.
Atas dasar tersebut, Bank terus berkomitmen untuk menjadi On such basis, the Bank is constantly committed to becoming
lembaga keuangan yang memberikan pertumbuhan ekonomi dan a financial institution that provides sustainable economic and
bisnis yang berkesinambungan bagi seluruh lapisan masyarakat business growth for all society levels through inclusive services,
diantaranya melalui layanan inklusi, memberi dampak positif providing a positive impact on society by increasing financial literacy,
kepada masyarakat dengan meningkatkan literasi keuangan, providing environmentally responsible financing, establishing the
memberikan pembiayaan yang bertanggung jawab terhadap best working conditions for employees, as well as implementing
lingkungan, menciptakan kondisi kerja terbaik bagi karyawan, serta good business ethics by complying with the applicable laws
menerapkan etika bisnis yang baik dengan mematuhi peraturan dan and regulations.
perundang-undangan yang berlaku.
Di samping itu, Bank juga turut serta untuk mewujudkan tujuan Furthermore, the Bank also participates in realizing sustainable
pembangunan berkelanjutan/sustainable development goals (SDGs), development goals (SDGs), by implementing sustainable financial
dengan mengimplementasikan prinsip keuangan berkelanjutan principles in the Bank’s operational activities. The concrete step
dalam kegiatan operasional bank. Langkah nyata dukungan tersebut of support is realized by the Bank through the preparation of a
diwujudkan Bank melalui penyusunan program atau rencana kerja long-term program or work plan set out in the Sustainable Finance
jangka panjang yang termuat dalam Rencana Aksi Keuangan Action Plan (RAKB) which refers to the Financial Services Authority
Berkelanjutan (RAKB) yang mengacu pada Peraturan Otoritas Jasa Regulation No. 51 of 2017 on Sustainable Financing of Financial
Keuangan No. 51 Tahun 2017 tentang Pembiayaan Berkelanjutan Services Institutions, Issuers, and Public Companies.
Lembaga Jasa Keuangan, Emiten, dan Perusahaan Publik.
4 PT Bank Victoria International Tbk | Laporan Tahunan dan Keberlanjutan 2024 Annual and Sustainability Report
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Secara umum, RAKB memuat strategi utama Bank dalam mendukung In general, RAKB contains the Bank’s main strategies in supporting
penerapan keuangan berkelanjutan di Indonesia, yaitu penguatan sustainable finance implementation in Indonesia, namely strengthening
struktur organisasi yang berbasis kinerja serta penyesuaian organizational structure based on performance, adjusting human
sumber daya manusia dengan kebutuhan strategis, integrasi aspek capital to strategic needs, integrating social and environmental
sosial dan lingkungan hidup ke dalam pengelolaan risiko serta aspects into risk management, and increasing financing portfolio
peningkatan pertumbuhan portofolio pembiayaan pada kegiatan growth in environmentally friendly business activities. As such,
usaha berwawasan lingkungan. Dengan demikian, RAKB menjadi RAKB becomes a guideline for implementing sustainable finance at
sebuah pedoman dalam penerapan keuangan berkelanjutan di Bank Bank Victoria so that it runs in a directed and measurable manner,
Victoria agar berjalan secara terarah dan terukur, sesuai dengan according to the planned targets. Bank Victoria has prepared
target yang telah direncanakan. Bank Victoria telah menyusun the 2024-2028 RAKB which has been submitted to the Financial
RAKB tahun 2024-2028 yang telah disampaikan kepada Otoritas Services Authority based on Letter No. 036/DIR-EKS/11/23 dated
Jasa Keuangan berdasarkan Surat No. 036/DIR-EKS/11/23 tanggal 29 November 2023.
29 November 2023.
Prioritas Penerapan Keuangan Berkelanjutan Priority of Sustainable Finance Implementation
RAKB yang telah disusun mengandung beberapa prioritas utama The RAKB that has been prepared consists of the main priorities in
dalam penerapan keuangan berkelanjutan, sebagaimana diuraikan applying sustainable finance, as described below:
berikut:
1. Pengembangan Kapasitas Internal Bank 1. Bank’s Internal Capacity Development
Untuk meningkatkan kualitas penerapan prinsip keuangan To improve the implementation quality of the sustainable finance
berkelanjutan yang dilakukan, maka kami senantiasa principles, we strive to increase personnel’s understanding
berupaya untuk meningkatkan pemahaman seluruh karyawan through various competency development activities organized
melalui berbagai kegiatan pengembangan kompetensi yang by both internal and external parties of the Bank. Gradually, all
diselenggarakan, baik oleh pihak internal maupun eksternal employees have attended competence development programs
Bank. Secara bertahap, seluruh karyawan telah mendapatkan and understood sustainable finance issues in accordance with
pengembangan kompetensi dan memahami perihal keuangan the Bank’s business complexity in 2024.
berkelanjutan yang sesuai dengan kompleksitas usaha Bank
pada tahun 2024.
Selain kegiatan pengembangan kompetensi terkait keuangan In addition to competence development activities related to
berkelanjutan di internal Bank, kami juga melakukan sustainable finance within the Bank, we have also adjusted
penyesuaian tugas dan tanggung jawab karyawan yang telah employees’ duties and responsibilities which have been fully
dilaksanakan secara keseluruhan sejak tahun 2021. carried out since 2021.
2. Penyesuaian Peraturan Internal Bank 2. Adjustment to the Bank’s Internal Regulations
Bank akan melakukan penyesuaian peraturan internal The Bank will adjust internal regulations including policies
mencakup kebijakan serta prosedur terkait praktik operasional and procedures related to environmentally-friendly banking
perbankan yang ramah lingkungan dan sesuai dengan prinsip operational practices, in line with the sustainable finance
keuangan berkelanjutan. Adapun pelaksanaannya akan principles. The implementation will be executed in the following
dilakukan dengan tahapan sebagai berikut: stages:
Menyempurnakan Kebijakan Manajemen Risiko Keuangan Berkelanjutan dengan Memasukkan Aspek Risiko Lingkungan Hidup dan Sosial
2024
Refining the Sustainable Finance Risk Management Policy by Incorporating Environmental and Social Risk Aspects
Pemetaan & Tinjauan
2025
Mapping & Review
Mengintegrasikan Aspek Lingkungan Hidup dan Sosial dalam Kebijakan Tata Kelola Perusahaan
2026
Integrating Environmental and Social Aspects in the Corporate Governance Policy
3. Pengembangan Bisnis yang Mendukung Keuangan 3. Business Development that Supports Sustainable Finance
Berkelanjutan
Dalam rangka mendukung penerapan keuangan berkelanjutan, To support the implementation of sustainable finance, the Bank
Bank berkomitmen untuk mendanai proyek bisnis yang ramah is committed to funding environmentally friendly business
lingkungan sebanyak 11% dari kredit yang diberikan untuk projects by 11% of the credit provided to the processing
sektor industri pengolahan. industry sector.
Laporan Tahunan dan Keberlanjutan 2024 Annual and Sustainability Report | PT Bank Victoria International Tbk 5
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4. Kegiatan Pendukung Keuangan Berkelanjutan 4. Sustainable Finance Support Activities
Bank melakukan berbagai kegiatan pendukung dalam upaya The Bank carries out various supporting activities in
penerapan keuangan berkelanjutan seperti efisiensi kegiatan implementing sustainable finance such as efficiency of daily
operasional sehari-hari serta kegiatan tanggung jawab sosial operational activities and corporate social responsibility (CSR)
perusahaan (CSR) yang sejalan dengan prinsip keuangan activities aligned with Bank Victoria’s sustainable finance
berkelanjutan Bank Victoria. principles.
RAKB Bank Victoria Tahun 2024-2028 Bank Victoria’s RAKB 2024-2028
Bank Victoria telah menyusun aksi keberlanjutan yang akan dilaksanakan Bank Victoria has formulated sustainable actions to be implemented
berdasarkan prioritas keuangan berkelanjutan yang dimiliki. Periode based on sustainable finance priorities. The implementation period
pelaksanaannya dimulai sejak tahun 2024 hingga tahun 2028 starts from 2024 to 2028 with various programs as shown below:
dengan berbagai program yang ditunjukkan sebagai berikut:
Program Pertama: Pengembangan Kapasitas First Program: Bank’s Internal Capacity
Internal Bank Development
Pencapaian target RAKB perlu didukung oleh pemahaman setiap RAKB target achievement needs to be supported by each party’s
pihak, baik karyawan maupun debitur terkait prinsip-prinsip keuangan understanding, employees and debtors, regarding the sustainable
berkelanjutan yang diterapkan Bank. Selanjutnya, dilakukan finance principles applied by the Bank. Furthermore, adjustments
penyesuaian tugas bagi karyawan yang bertanggung jawab terhadap were made to duties of employees responsible for implementing
penerapan keuangan berkelanjutan di lingkungan kerja Bank Victoria. sustainable finance within Bank Victoria.
Target Penanggung
Uraian Kegiatan Indikator Keberhasilan Jawab Target SDGs
Description of Activities Indicator of Success 2024 2025 2026 2027 2028 Person in SDGs Target
Charge
Training of trainers. Menjadi bagian dari Training Perihal Keuangan Berkelanjutan.
Becoming part of the Sustainable Finance Training.
Pelatihan terkait penerapan • Pengurangan penggunaan 100% 100% 100% 100% 100% Human Capital
prinsip keuangan botol minum plastik. Management &
berkelanjutan untuk pihak • Penghematan energi. General Affair
internal. • Pelaksanaan pelatihan
keuangan berkelanjutan.
Training related to • Reduction in the usage
the application of of plastic drinking bottles.
sustainable finance • Energy savings.
principles for internal • The organization of
parties. training in sustainable
finance.
Pelatihan untuk pihak Pembinaan bagi debitur 100% 100% 100% 100% 100% Human Capital
eksternal yang bekerja sama atau calon debitur terkait Management &
dengan Divisi Bisnis. keuangan berkelanjutan. Divisi Bisnis /
Training for external parties Development activities for Business
cooperating with the debtors or potential debtors Division
Business Division. related to sustainable finance.
Penyesuaian uraian Penyusunan key performance 100% 100% 100% 100% 100% Human Capital -
tugas terkait keuangan indicator (KPI) serta uraian Management
berkelanjutan. tugas dan tanggung jawab
yang jelas.
Adjustments to the Preparing key performance
description of duties related indicators (KPIs) and clear
to sustainable finance. description of duties and
responsibilities.
Tantangan [POJK E.5] Program ini melibatkan berbagai pihak sehingga sulit untuk mengatur waktu pelatihan dari setiap Divisi.
Challenges This program involves various parties, making it challenging to coordinate training schedules across Divisions.
Strategi/Rencana ke Depan Mengadakan pelatihan dalam beberapa batch sehingga memungkinkan para pemangku kepentingan dapat mengikuti
kegiatan pelatihan.
Future Strategies/Plans Hold training in several batches to enable stakeholders to participate in training activities.
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Program Kedua: Penyesuaian Peraturan Second Program: Adjustment to
Internal Bank the Bank’s Internal Regulations
Peraturan internal Bank yang sesuai dengan prinsip-prinsip keuangan Bank’s internal regulations that comply with sustainable finance
berkelanjutan merupakan hal yang penting dalam mencapai tujuan principles are important in achieving the goal of implementing
penerapan keuangan berkelanjutan di Bank Victoria. sustainable finance at Bank Victoria.
Target Penanggung
Uraian Kegiatan Indikator Keberhasilan Jawab Target SDGs
Description of Activities Indicator of Success 2024 2025 2026 2027 2028 Person in SDGs Target
Charge
Penyesuaian kebijakan Penyesuaian kebijakan 100% 100% 100% 100% 100% Compliance, -
dan/atau SOP yang terkait dan/atau SOP yang System
keuangan berkelanjutan. terkait dengan keuangan Procedure
berkelanjutan dengan & Customer
rencana kerja 5 tahunan Protection dan
Bank. Unit Terkait /
Adjustments to policies Adjustments to policies and Related
and/or SOP related to and/or SOP concerning Unit
sustainable finance. sustainable finance to
the Bank’s 5-year work plan.
Tantangan [POJK E.5] Keterbatasan waktu yang tersedia untuk menyesuaikan peraturan internal dengan prinsip-prinsip keuangan berkelanjutan.
Challenges Limited time available to adjust the internal regulations to sustainable finance principles.
Strategi/Rencana ke Depan Menetapkan timeline program serta melibatkan para pemangku kepentingan dalam proses penentuan dan penyesuaian
peraturan internal.
Future Strategies/Plans Determining the program timeline and involving stakeholders in the process of determining and adjusting internal regulations.
Program Ketiga: Pengembangan Bisnis yang Third Program: Business Development that
Mendukung Keuangan Berkelanjutan Supports Sustainable Finance
Bank berkomitmen untuk mendorong pertumbuhan ekonomi melalui The Bank is committed to encouraging economic growth through
pembiayaan usaha yang tergolong kegiatan usaha berkelanjutan. financing business classified as a sustainable business activity.
Target Penanggung
Uraian Kegiatan Indikator Keberhasilan Jawab Target SDGs
Description of Activities Indicator of Success 2024 2025 2026 2027 2028 Person in SDGs Target
Charge
Pembiayaan pada industri Dilakukan Perubahan Uraian Kegiatan.
manufaktur.
Financing for manufacturing Changes to the Description of Activity.
industry.
Pembiayaan terhadap Usaha Pembiayaan kepada + 50 + 75 + 75 + 75 + 75 SME I &
yang mendukung keuangan debitur yang memenuhi Miliar Miliar Miliar Miliar Miliar Consumer
berkelanjutan. kriteria kegiatan usaha Billion Billion Billion Billion Billion Banking,
berkelanjutan sesuai dan / and
dengan SDGs. Commercial
Financing for Businesses Financing to debtors Banking.
that support sustainable who meet the criteria
finance. for sustainable business
activities in accordance
with the SDGs.
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Target Penanggung
Uraian Kegiatan Indikator Keberhasilan Jawab Target SDGs
Description of Activities Indicator of Success 2024 2025 2026 2027 2028 Person in SDGs Target
Charge
Tantangan [POJK E.5] Terbatasnya waktu untuk melakukan pengembangan bisnis melalui penyediaan layanan perbankan kepada debitur yang
berwawasan lingkungan.
Challenges Limited time to carry out business development through the provision of banking services to the environmentally sound debtors.
Strategi/Rencana ke Depan Melakukan upaya pemetaan pembiayaan yang didukung kebijakan terkait keuangan berkelanjutan.
Future Strategies/Plans Conduct financing mapping efforts supported by policies on sustainable finance.
Program Keempat: Kegiatan Pendukung Fourth Program: Sustainable Finance Support
Keuangan Berkelanjutan Activities
Bank melakukan berbagai kegiatan pendukung untuk memaksimalkan The Bank carries out various supporting activities to optimally
manfaat dari penerapan prinsip-prinsip keuangan berkelanjutan manage the benefits of implementing sustainable finance principles.
yang dilakukan.
Target Penanggung
Uraian Kegiatan Indikator Keberhasilan Jawab Target SDGs
Description of Activities Indicator of Success 2024 2025 2026 2027 2028 Person in SDGs Target
Charge
Program CSR. CSR berkelanjutan 100% 100% 100% 100% 100% Human Capital
di bidang kesehatan, Management &
pendidikan, dan sosial Corporate
kemasyarakatan. Secretary
CSR Program. Sustainable CSR in health,
education, and social
community.
Kebijakan penghematan Penghematan 20% 22% 22% 22% 22% General Affair
kertas. kertas dengan penggunaan
surat elektronik.
Policies for paper saving. Paper saving by using
electronic mails.
Tantangan [POJK E.5] Terbatasnya aktivitas pelaksanaan program CSR akibat adanya pandemi Covid-19, sehingga mempersulit pengukuran dampak
kegiatan bagi masyarakat.
Challenges Limited CSR program implementation activities due to the Covid-19 pandemic, making it difficult to measure the impact of
activities on society.
Strategi/Rencana ke Depan Melakukan pengukuran melalui survei lapangan atau memanfaatkan data yang dikeluarkan instansi lain yang terkait.
Future Strategies/Plans Measure by conducting field surveys or utilizing data issued by other relevant agencies.
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Penentuan Isi dan Topik Material
Laporan Keberlanjutan
Determining Contents and Material Topics of the Sustainability Report
Pelibatan Pemangku Kepentingan [POJK E.4] Stakeholders Engagement [POJK E.4]
Bank Victoria mengidentifikasi pemangku kepentingan sebagai Bank Victoria identifies stakeholders as individuals or entities that
individu atau entitas yang memiliki kepentingan dan pengaruh have significant interests and influence on the Bank in implementing
signifikan terhadap Bank dalam menerapkan praktik-praktik sustainability practices. Therefore, the Bank strives to build
keberlanjutan. Oleh karena itu, Bank terus berupaya untuk harmonious relationships with stakeholders by holding various
membangun hubungan yang harmonis dengan para pemangku meeting forums, both periodically and incidentally, according to
kepentingan yang dilakukan antara lain, melalui berbagai forum the Bank’s needs or at the request of stakeholders. Based on the
pertemuan yang digelar, baik secara berkala maupun insidental mapping conducted by the Bank, the following are stakeholders
sesuai dengan kebutuhan Bank atau atas permintaan pemangku and engagement methods carried out during the reporting year:
kepentingan. Berdasarkan pemetaan yang dilakukan Bank, berikut
pemangku kepentingan dan metode pelibatan yang dilakukan
selama tahun pelaporan:
Kelompok
Respon Terhadap Kebutuhan Frekuensi
Pemangku Kebutuhan Pemangku
Pemangku Kepentingan Metode Pelibatan Pelaksanaan
Kepentingan Kepentingan
Respond to Stakeholders Engagement Methods Implementation
Stakeholders Stakeholders Needs
Needs Frequency
Group
Nasabah • Kualitas produk dan jasa • Mengembangkan produk dan • Pelaksanaan customer Sepanjang tahun
perbankan. jasa Bank. gathering. atau sesuai
• Keamanan transaksi perbankan • Meningkatkan keandalan teknologi • Pelaksanaan survei kepuasan kebutuhan.
mencakup dana dan informasi informasi yang digunakan. nasabah.
nasabah. • Memastikan keamanan produk • Penyediaan sarana
• Informasi yang jelas dan dan jasa yang diberikan. pengaduan bagi nasabah.
transparan. • Mengadakan program undian
• Reward bagi nasabah. berhadiah.
Customers • Quality of banking products and • Developing the Bank’s products • Organizing customer All year round or as
services. and services. gathering event. needed.
• Security of banking transactions • Improving the reliability of the • Conducting customer
including the customer’s funds information technology used. satisfaction survey.
and information. • Ensuring the safety the products • Providing complaint channel
• Clear and transparent and services provided. for customers.
information. • Organizing a lucky draw
• Reward for customers. program.
Karyawan • Pemenuhan hak • Memenuhi kontrak kerja dan • Penyelenggaraan gathering Sepanjang
ketenagakerjaan. perjanjian kerja bersama. karyawan dan focus group tahun atau
• Pemenuhan aspek kesehatan • Memastikan kecukupan sarana discussion (FGD). sesuai rencana
dan keselamatan kerja (K3). dan prasarana K3, termasuk upaya • Penyediaan whistleblowing pelaksanaan
• Pengembangan kompetensi dan pencegahan penyebaran virus system (WBS) untuk program.
karier. Covid-19 di lingkungan kerja. melaporkan pelanggaran
• Kepuasan kerja. • Melaksanakan pengembangan praktik ketenagakerjaan di
kompetensi, penilaian kinerja, lingkungan Bank.
dan pengembangan karier. • Pelaksanaan berbagai
• Menyampaikan kebijakan kegiatan pendidikan dan
terbaru Bank kepada seluruh pelatihan, serta promosi atau
karyawan. mutasi.
• Menyelenggarakan program • Pelaksanaan survei kepuasan
beasiswa bagi anak karyawan. karyawan.
Employee • Fulfillment of employees’ rights. • Fulfilling work contracts and • Organizing employee All year round or
• Fulfillment of occupational collective labor agreements. gathering and focus group according to
health and safety (OHS) aspect. • Ensuring the adequacy of OHS discussion (FGD). the program
• Competency and career facilities and infrastructures, • Provision of a whistleblowing implementation
development. including the measures to system (WBS) to report plan.
• Job satisfaction. prevent Covid-19 outbreak in the violations of labor practice
work environment. within the Bank.
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Kelompok
Respon Terhadap Kebutuhan Frekuensi
Pemangku Kebutuhan Pemangku
Pemangku Kepentingan Metode Pelibatan Pelaksanaan
Kepentingan Kepentingan
Respond to Stakeholders Engagement Methods Implementation
Stakeholders Stakeholders Needs
Needs Frequency
Group
• Conducting competency • Implementation of various
development, performance educational and training
assessment, and career activities, as well as
development. promotions or transfers.
• Delivering the latest Bank • Implementation of employee
policies to all employees. satisfaction survey.
• Providing scholarships for
employees’ children.
Pemerintah dan • Kepatuhan terhadap peraturan • Memastikan pemenuhan seluruh • Penyampaian Laporan Sesuai waktu yang
Regulator yang berlaku. peraturan yang berlaku bagi Bank. Tahunan, Laporan ditentukan, sesuai
• Pemenuhan kewajiban • Meningkatkan kualitas pelaksanaan Keberlanjutan, Laporan kebutuhan, atau
perpajakan. tata kelola perusahaan (GCG). GCG, dan laporan lainnya. setiap tahun.
• Membayar pajak dan penerimaan • Pembayaran dan pelaporan
negara bukan pajak (PNBP). pajak dan PNBP.
Government and • Compliance with the applicable • Ensuring compliance with all • Submission of Annual Report, According to
Regulator regulations. regulations applicable to the Bank. Sustainability Report, GCG the time set, needs,
• Fulfillment of taxation • Improving the quality of Report, and other reports. or annually.
obligations. corporate governance (GCG) • Payment and reporting of
implementation. taxes and PNBP.
• Paying taxes and non-tax state
revenue (PNBP).
Pemegang Saham • Kinerja keuangan dan • Menyusun Rencana Bisnis Bank • Pelaksanaan Rapat Umum Sesuai waktu yang
dan Investor non-keuangan. (RBB) dan RAKB. Pemegang Saham (RUPS). ditentukan, sesuai
• Keberlanjutan usaha. • Menjaga kinerja Bank tetap • Penyampaian Laporan kebutuhan, atau
• Informasi yang jelas dan terkini optimal dan sesuai target, Tahunan dan Laporan setiap tahun.
terkait arah strategis Bank. dengan memperhatikan aspek Keberlanjutan.
ekonomi, sosial, dan lingkungan. • Akses informasi dalam situs
• Menyampaikan informasi web Bank.
mutakhir secara transparan.
Shareholders and • Financial and non-financial • Preparing the Bank’s Business • Convention of the General According to
Investors performance. Plan (RBB) and RAKB. Meeting of Shareholders the time set, needs,
• Business sustainability. • Maintaining the Bank’s (GMS). or annually.
• Clear and updated information performance to keep optimal • Submission of Annual Report
related to the Bank’s strategic and on target, by considering and Sustainability Report.
direction. the economic, social, and • Access to information on the
environmental aspects. Bank’s website.
• Delivering the latest information
transparently.
Mitra Usaha • Pemenuhan kontrak kerja. • Melakukan kerja sama yang adil • Perumusan kontrak kerja sama. Sepanjang tahun
• Kepuasan kerja sama. dan transparan sesuai dengan • Pelaksanaan pertemuan atau sesuai
peraturan dan kontrak kerja yang berkala. kebutuhan.
berlaku.
• Membangun hubungan kerja
yang harmonis dengan mitra
usaha.
Business Partners • Fulfillment of work contracts. • Conducting fair and transparent • Formulation of cooperation All year round or as
• Cooperation satisfaction. cooperation in accordance with contract. needed.
the applicable regulations and • Organizing regular meetings.
work contracts.
• Building harmonious working
relationship with business
partners.
10 PT Bank Victoria International Tbk | Laporan Tahunan dan Keberlanjutan 2024 Annual and Sustainability Report
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Kelompok
Respon Terhadap Kebutuhan Frekuensi
Pemangku Kebutuhan Pemangku
Pemangku Kepentingan Metode Pelibatan Pelaksanaan
Kepentingan Kepentingan
Respond to Stakeholders Engagement Methods Implementation
Stakeholders Stakeholders Needs
Needs Frequency
Group
Masyarakat • Informasi aktivitas dan • Melibatkan masyarakat dalam • Pelaksanaan berbagai Sesuai rencana
perkembangan usaha Bank. program kemitraan dan aksi program pengembangan pelaksanaan atau
• Peningkatan kesejahteraan sosial Bank. masyarakat dan kemitraan. sesuai kebutuhan.
masyarakat. • Memberikan kesempatan kerja. • Penyediaan sarana
• Menyampaikan informasi mutakhir pengaduan bagi masyarakat.
dalam media sosial Bank. • Penyediaan akses informasi
dalam media sosial Bank.
Community • Information on the Bank’s • Engaging the community in • Conducting various According to
business activities and partnership program and the community and partnership the implementation
development. Bank’s social acts. development programs. plan or as
• Improvement of public health. • Providing job opportunities. • Providing complaint channel necessary.
• Delivering latest information on for communities.
the Bank’s social media. • Providing access to
information on the Bank’s
social media.
Media • Kinerja keuangan dan Menyediakan informasi secara • Pelaksanaan paparan publik Sesuai kebutuhan.
non-keuangan Bank. transparan dan relevan melalui dan media gathering.
• Informasi terkait perkembangan media sosial Bank. • Pemutakhiran informasi pada
Bank. media sosial Bank.
• The Bank’s financial and Providing information transparently • Conducting public expose As necessary.
non-financial performance. and relevantly through the Bank’s and organizing media
• Information related to the Bank’s social media. gathering.
development. • Updating information on
the Bank’s social media.
Laporan Tahunan dan Keberlanjutan 2024 Annual and Sustainability Report | PT Bank Victoria International Tbk 11
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Daftar Isi
Table of Contents
Komposisi Pemegang Saham
Sanggahan dan Batasan Berdasarkan Status Kepemilikan
Tanggung Jawab 94
Disclaimer and Scope of
ii Shareholders Composition
by Ownership Status
Responsibilities Profil Perusahaan
Company Profile Struktur Pemegang Saham Utama
Kesinambungan Tema
Theme Continuity
1 dan Pengendali 95
Main and Controlling Shareholders Structure
Keunggulan Kompetitif Identitas Perusahaan
Competitive Advantages
3 Company Identity 54 Informasi Entitas Anak, Perusahaan Asosiasi,
Perusahaan Ventura Bersama,
Komitmen dan Strategi Perubahan Organisasi yang Bersifat Signifikan dan Special Purpose Vehicle
Keberlanjutan Significant Organizational Changes 55 96
Sustainability Commitment
4 Information on Subsidiaries, Associated
Riwayat Singkat Entities, Joint Venture Companies,
and Strategy Brief History 56 and Special Purpose Vehicles
Penentuan Isi dan Topik Material Kronologi Pencatatan Saham
Visi dan Misi Perusahaan
Laporan Keberlanjutan 58 97
Determining Contents and Material
9 Company’s Vision and Mission Chronology of Share Listing
Topics of the Sustainability Report Nilai Budaya Perusahaan Kronologi Pencatatan Efek Lainnya
Corporate Cultural Values 59 Chronology of Other Securities Listing 99
Daftar Isi
Table of Contents
12 Kegiatan Usaha Struktur Grup
Line of Business 60 Group Structure 102
Produk dan Jasa Informasi Penggunaan Jasa Akuntan Publik
Products and Services 61 dan Kantor Akuntan Publik
102
Wilayah Operasional Information on the Use of Public Accountant
Operational Areas 62 Services and Public Accounting Firms
Lembaga dan Profesi Penunjang Pasar Modal
Kilas Kinerja Alamat Kantor Pusat, Kantor Cabang Utama,
dan Kantor Cabang Pembantu Bank Victoria Capital Market Supporting Institutions and 103
Performance Highlights 64 Professionals
Address of Head Office, Main Branch Offices,
and Sub-Branch Offices of Bank Victoria
Ikhtisar Kinerja Keberlanjutan
16 Struktur Organisasi
Sustainability Performance Highlights
Organization Structure 66
Ikhtisar Saham
20 Daftar Keanggotaan dalam Asosiasi
Share Highlights
List of Association Membership 68
Ikhtisar Obligasi
23 Profil Dewan Komisaris
Bonds Highlights
Board of Commissioners Profile 69 Analisis dan Pembahasan
Peristiwa Penting
24 Profil Direksi Manajemen
Significant Events
Board of Directors Profile 72 Management Discussion
Penghargaan dan Sertifikasi and Analysis
28 Pejabat Eksekutif
Awards and Certifications
Executive Officer 77
Tinjauan Ekonomi dan Industri
Profil Kepala Kantor Cabang Utama
92 Economic and Industrial Overview
106
Profile of Main Branch Office Head
Komposisi Pemegang Saham Tinjauan Operasional
92 Operational Overview
108
Shareholders Composition
Komposisi Pemegang Saham yang Tinjauan Keuangan
Laporan Manajemen Financial Overview
125
Memiliki 5% atau Lebih Saham
Management Report 93
Composition of Shareholders with 5%
or More Shares
Laporan Dewan Komisaris Kepemilikan Saham Langsung dan
Report of the Board of Commissioners
33 Tidak Langsung Atas Saham Bank Victoria
oleh Anggota Dewan Komisaris dan Direksi
Laporan Direksi
41 93
Report of the Board of Directors Direct and Indirect Share Ownership of
Tanggung Jawab Laporan Tahunan
Bank Victoria’s Shares by Members of
Board of Commissioners and Board of Directors
Aspek Pendukung Bisnis
dan Keberlanjutan Aspect of Business Support
50 Komposisi Pemegang Saham Masyarakat
Annual and Sustainability Report dengan Kepemilikan Saham Masing-Masing
Responsibility Kurang dari 5% Teknologi Informasi
94 152
Information Technology
Composition of Public Shareholders with
Share Ownership of Less than 5% Each
12 PT Bank Victoria International Tbk | Laporan Tahunan dan Keberlanjutan 2024 Annual and Sustainability Report
Page 15
Sistem Pengendalian Internal
Internal Control System 241
Fungsi Kepatuhan
Compliance Function 246
Tata Kelola Perusahaan Struktur Permodalan dan
Good Corporate Governance Pengadaan Barang dan Jasa
Procurement of Goods and Services 249 Manajemen Risiko
Capital Structure and
Perkara Hukum Risk Management
Dasar dan Prinsip Implementasi GCG 250
Basis and Principles of GCG Implementation 162 Legal Cases
Sanksi Administratif Tahun 2024
Struktur GCG 252 Pengungkapan Permodalan
GCG Structures 163 Administrative Sanction in 2024
Disclosure of Capital 298
Program Anti-Pencucian Uang, Pencegahan
Framework GCG Manajemen Risiko
Framework GCG 164 Pendanaan Terorisme, dan Pencegahan
Risk Management 301
Pendanaan Proliferasi Senjata Pemusnah Massal
Peningkatan Kualitas Implementasi GCG Anti-Money Laundering, Counter Financing of
253 Pengungkapan Eksposur Risiko
Improvement of GCG Implementation Quality 165 Terrorism, and Counter Proliferation Financing of Disclosure of Risk Exposure 313
Weapons of Mass Destruction Program
Rapat Umum Pemegang Saham Manajemen Risiko Grup Keuangan Victoria
General Meeting of Shareholders 169 Pemberian Dana Kegiatan Politik Victoria Financial Group Risk Management 338
Provision of Funds for Political Activities 256
Dewan Komisaris
Board of Commissioners 172 Persaingan Usaha yang Sehat
Fair Business Competition 257
Direksi
Board of Directors 179 Kode Etik
Code of Conduct 257
Rangkap Jabatan Dewan Komisaris dan Direksi
Concurrent Positions of the Board of 182 Program Kepemilikan Saham oleh
Commissioners and Board of Directors Manajemen dan Karyawan
260 Tanggung Jawab Sosial
Penilaian Kinerja Dewan Komisaris, Direksi,
Management/Employee Stock Ownership
Program
dan Lingkungan Hidup
Komite Pendukung Dewan Komisaris, serta Social and Environmental
Komite dan Organ Pendukung Direksi Kebijakan Pengungkapan Informasi Responsibility
Performance Assessment of the Board of Information Disclosure Policy 260
Commissioners, Board of Directors,
183
Kebijakan Penerapan Strategi Anti-Korupsi dan
Board of Commissioners’ Supporting Tata Kelola Keberlanjutan
Committees, and Board of Directors’
Anti-Fraud
261 Sustainability Governance
396
Anti-Corruption and Anti-Fraud Strategy
Committees and Supporting Organs
Implementation Policy Keberlanjutan Kinerja Ekonomi
Pelatihan dan/atau Peningkatan Kompetensi Economic Performance Sustainability
400
Kebijakan Perlakuan Adil Terhadap
Dewan Komisaris dan Direksi
Training and/or Competency Development for 189
Pemegang Saham 262 Keberlanjutan Kinerja Sosial
405
Policy on Fair Treatment of Shareholders Social Performance Sustainability
the Board of Commissioners and
Board of Directors Kebijakan Pencegahan Insider Trading Keberlanjutan Kinerja Lingkungan Hidup
Policy to Prevent Insider Trading 262 Environmental Performance Sustainability
426
Penanganan Benturan Kepentingan
Dewan Komisaris dan Direksi Whistleblowing System
263
Handling of Conflict of Interests of 193 Whistleblowing System
the Board of Commissioners and Akses Informasi dan Data Perusahaan
Board of Directors Access to Company’s Information and Data 266
Indeks Pengungkapan Kriteria POJK
Mekanisme Pengunduran Diri dan Implementasi Tata Kelola Perusahaan Terbuka No. 51/POJK.03/2017
Pemberhentian Dewan Komisaris dan Direksi
Implementation of Corporate Governance of 267 434
Resignation and Dismissal Mechanism of 194 POJK Criteria Disclosure Index
Public Company
the Board of Commissioners and No. 51/POJK.03/2017
Board of Directors Pedoman Umum Governansi Korporat Indonesia
Daftar Pengungkapan Sesuai
General Guidelines for Indonesian Corporate 271 Pelaporan ESG Metrik
Keberagaman Manajemen dan Independensi
195 Governance
List of Disclosures According to ESG
436
Management Diversity and Independence
Rencana Strategis Bank Reporting Metrics
Kebijakan Pemisahan Fungsi Komisaris Utama
Bank’s Strategic Plans 290
dan Direktur Utama Tanggapan Terhadap Umpan Balik
Policy on Separation of Functions of President
196 Pembelian Kembali Saham dan/atau Obligasi Laporan Tahun Sebelumnya
Shares and/or Bonds Buy Back 292 438
Commissioner and President Director Responses to Previous Year’s Report
Penyediaan Dana kepada Pihak Terkait Feedback
Kebijakan Remunerasi dan Nominasi
Dewan Komisaris dan Direksi dan/atau Penyediaan Dana Besar Verifikasi Tertulis dari Pihak
Provision of Funds to Related Parties
293
Policy on Remuneration and Nomination of 196 Independen
the Board of Commissioners and and/or Provision of Large Exposures Written Verification from an
438
Board of Directors Kepatuhan Perpajakan Independent Party
Tax Compliance 293
Komite di Bawah Dewan Komisaris Lembar Umpan Balik
Board of Commissioners’ Subordinate 202 Transparansi Kondisi Keuangan dan Feedback Form
439
Committees Non-Keuangan Bank yang Belum Diungkap
Kriteria Penyampaian Laporan
dalam Laporan Lain
Organ Pendukung Dewan Komisaris
217 294 Tahunan berdasarkan
Board of Commissioners Supporting Organ Transparency of the Bank’s Financial and SEOJK No. 16/SEOJK.04/2021
Non-Financial Conditions that Have Not Been Criteria for Annual Report
441
Komite di Bawah Direksi
Board of Directors’ Subordinate Committees 217 Disclosed in Other Report
Submission based on
Informasi Lain Terkait Tata Kelola Bank SEOJK No. 16/SEOJK.04/2021
Organ Pendukung Direksi 294
Board of Directors’ Supporting Organ 232 Other Information Related to Bank Governance
Laporan Keuangan Tanggal
Pernyataan dan Praktik Bad Corporate 31 Desember 2024
Akuntan Publik
239 Governance Financial Statements as of
461
Public Accountant
Statement and Practices of Bad Corporate
295
31 December 2024
Governance
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Kilas Kinerja Performance Highlights 14 PT Bank Victoria International Tbk | Laporan Tahunan dan Keberlanjutan 2024 Annual and Sustainability Report
Page 17
Pencapaian Tahun 2024
Achievements in 2024
Pinjaman yang
Dana Pihak Ketiga Diberikan - Bersih Pendapatan Bunga
Third-Party Funds Interest Income
Loans - Net
4.03% 11.43% 13.06%
2024 Rp23.33 2024 Rp20.11 2024 Rp2.08
2023 Rp22.43 2023 Rp18.05 2023 Rp1.84
triliun / trillion triliun / trillion triliun / trillion
Laporan Tahunan dan Keberlanjutan 2024 Annual and Sustainability Report | PT Bank Victoria International Tbk 15
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Kilas Kinerja
Performance Highlights
Ikhtisar Kinerja Keberlanjutan
Sustainability Performance Highlights
Keberlanjutan Kinerja Ekonomi [POJK B.1]
Economic Performance Sustainability
Kinerja Keuangan
Financial Performance
(dalam juta Rupiah / in million Rupiah)
Uraian 2024 2023 2022 Description
Laporan Posisi Keuangan Konsolidasian*
Consolidated Statements of Financial Position*
Total Aset 31,045,989 29,624,240 25,932,001 Total Assets
Total Aset Keuangan 30,096,308 28,453,735 24,310,285 Total Financial Assets
Total Aset Non-Keuangan 949,681 1,170,505 1,621,716 Total Non-Financial Assets
Total Liabilitas 27,112,530 25,799,455 22,231,538 Total Liabilities
Total Liabilitas Keuangan 27,032,075 25,730,307 22,160,500 Total Financial Liabilities
Total Liabilitas Non-Keuangan 80,455 69,148 71,038 Total Non-Financial Liabilities
Total Ekuitas 3,933,459 3,824,785 3,700,463 Total Equity
Laporan Laba Rugi dan Penghasilan Komprehensif Lain Konsolidasian*
Consolidated Statements of Profit or Loss and Other Comprehensive Income*
Pendapatan Bunga 2,076,268 1,836,391 1,705,018 Interest Income
Beban Bunga (1,527,667) (1,257,662) (971,638) Interest Expense
Pendapatan Bunga - Bersih 548,601 578,729 733,381 Interest Income – Net
Pendapatan Operasional Lainnya 365,736 253,365 380,203 Other Operating Income
Beban Operasional Lainnya (621,366) (658,023) (699,517) Other Operating Expenses
Laba Operasional 292,970 174,071 414,066 Profit from Operations
Beban Non-Operasional - Bersih (144,310) (44,535) (57,136) Non-Operating Expense - Net
Laba Sebelum Beban Pajak Penghasilan 148,660 129,536 356,931 Profit Before Income Tax Expense
Beban Pajak Penghasilan - Bersih (30,801) (27,720) (130,757) Income Tax Expense - Net
Laba Bersih yang dapat
117,859 101,816 226,173 Net Income Attributable to:
Diatribusikan kepada:
Pemilik Entitas Induk 117,859 101,816 226,173 Equity Holders of the Parent Entity
Kepentingan Non-Pengendali - - - Non-Controlling Interest
Penghasilan (Rugi) Komprehensif Lain, Other Comprehensive Income (Loss),
(83,091) 24,405 (70,239)
Setelah Pajak Penghasilan Net of Income Tax
Penghasilan (Rugi) Komprehensif yang Comprehensive Income (Loss)
34,768 126,222 155,935
dapat Diatribusikan kepada: Attributable to:
Pemilik Entitas Induk 34,768 126,222 155,935 Equity Holders of the Parent Entity
Kepentingan Non-Pengendali - - - Non-Controlling Interest
Laba Bersih per Saham yang dapat Income per Share Attributable to Entity
Diatribusikan kepada Pemilik Entitas Induk Holders of the Parent Entity
Dasar (Rupiah penuh) 7.44 6.42 19.17 Basic (full Rupiah)
Dilusian (Rupiah penuh) 7.44 6.42 19.17 Diluted (full Rupiah)
16 PT Bank Victoria International Tbk | Laporan Tahunan dan Keberlanjutan 2024 Annual and Sustainability Report
Page 19
Uraian 2024 2023 2022 Description
Laporan Arus Kas Konsolidasian*
Consolidated Statements of Cash Flows*
Arus Kas Bersih (Digunakan untuk)/ Cash Flow (Used in)/Provided
(942,316) 1,279,308 1,057,052
Diperoleh dari Aktivitas Operasi from Operating Activities
Arus Kas Bersih Digunakan Net Cash Flows Used
(1,193,957) (1,413,275) (232,938)
untuk Aktivitas Investasi in Investing Activities
Arus Kas Bersih Diperoleh Net Cash Flows Provided
937,081 287,343 159,950
dari Aktivitas Pendanaan from Financing Activities
Kas dan Setara Kas Cash and Cash Equivalents
1,599,372 2,798,564 2,645,188
pada Akhir Tahun at End of Year
Rasio Keuangan (dalam %)**
Financial Ratios (in %)**
Permodalan Capital
KPMM dengan Memperhitungkan CAR by Calculating Credit
22.38 20.69 22.59
Risiko Kredit dan Operasional and Operational Risk
KPMM dengan Memperhitungkan CAR by Calculating Credit,
21.53 19.95 21.97
Risiko Kredit, Operasional, dan Pasar Operational, and Market Risk
Aktiva Tetap Terhadap Modal 8.86 11.08 11.60 Fixed Assets to Capital
Aset Produktif Earning Assets
Aset Produktif dan Non-Produktif Non-Performing Earning Assets and
Bermasalah Terhadap Total Aset Produktif 3.04 3.91 5.89 Non-Earning Assets to Total Earning Assets
dan Non-Produktif and Non-Earning Assets
Aset Produktif Bermasalah Non-Performing Earning Assets to
2.35 2.79 3.19
Terhadap Total Aset Produktif Total Earning Assets
Cadangan Kerugian Penurunan Nilai (CKPN) Allowance for Impairment Losses (CKPN) of
1.57 2.19 2.49
Aset Keuangan Terhadap Aset Produktif Financial Assets to Earning Assets
Pemenuhan CKPN Aset Produktif 119.37 165.67 198.55 CKPN Fulfillment of Earning Assets
NPL Bruto 3.27 3.99 4.23 Gross NPL
NPL Neto 2.36 3.24 3.42 Net NPL
Profitabilitas Profitability
ROA 0.51 0.48 1.47 ROA
ROE 3.41 3.12 9.48 ROE
NIM 2.21 2.58 3.52 NIM
BOPO 88.00 91.67 79.44 BOPO
Rasio Laba Terhadap Total Aset 0.38 0.34 0.87 Income to Total Assets Ratio
Rasio Laba Terhadap Total Ekuitas 3.00 2.66 7.56 Income to Total Equity Ratio
Rasio Laba Terhadap Pendapatan Bunga 21.48 17.59 13.27 Income to Interest Income
Rasio Liabilitas Terhadap Total Aset 87.33 87.09 85.73 Liabilities to Total Assets Ratio
Rasio Liabilitas Terhadap Total Ekuitas 689.29 674.53 743.53 Liabilities to Total Equity Ratio
Likuiditas Liquidity
LDR 88.12 83.06 81.69 LDR
LFR 86.27 81.93 81.08 LFR
Rasio Aktiva Keuangan Terhadap Financial Assets to
114.51 114.83 98.75
Liabilitas Keuangan Financial Liabilities Ratio
Kepatuhan Compliance
Persentase Pelanggaran BMPK Percentage of LLL Violation
Pihak Terkait 0.00 0.00 0.00 Related Parties
Pihak Tidak Terkait 0.00 0.00 0.00 Non-Related Parties
Laporan Tahunan dan Keberlanjutan 2024 Annual and Sustainability Report | PT Bank Victoria International Tbk 17
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Kilas Kinerja
Performance Highlights
Uraian 2024 2023 2022 Description
Persentase Pelampauan BMPK Percentage of LLL Excess
Pihak Terkait 0.00 0.00 0.00 Related Parties
Pihak Tidak Terkait 0.00 0.00 0.00 Non-Related Parties
Primary Minimum Reserve
GWM Primer – Rupiah 6.67 7.32 7.69
Requirements - Rupiah
Primary Minimum Reserve
GWM Primer – Valas 4.05 4.05 4.05
Requirements – Foreign Exchange
Secondary Minimum Reserve
GWM Sekunder – Rupiah 21.78 23.73 22.82
Requirements - Rupiah
Posisi Devisa Neto (PDN) secara Keseluruhan 0.21 0.39 0.12 Net Open Position (NOP) in Overall
* Konsolidasian sampai dengan divestasi Entitas Anak pada tanggal 22 Desember 2022. / Consolidated until the divestment of Subsidiary on 22 December 2022.
** Merupakan angka PT Bank Victoria International Tbk. / This figure refers to PT Bank Victoria International Tbk.
Total Aset Total Liabilitas
Total Assets Total Liabilities
(dalam juta Rupiah / in million Rupiah) (dalam juta Rupiah / in million Rupiah)
25.932.001 29.624.240 31.045.989 22.231.538 25.799.455 27.112.530
2022 2023 2024 2022 2023 2024
Total Ekuitas Pendapatan Bunga
Total Equity Interest Income
(dalam juta Rupiah / in million Rupiah) (dalam juta Rupiah / in million Rupiah)
3.700.463 3.824.785 3.933.460 1.705.018 1.836.391 2.076.268
2022 2023 2024 2022 2023 2024
18 PT Bank Victoria International Tbk | Laporan Tahunan dan Keberlanjutan 2024 Annual and Sustainability Report
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Kinerja Operasional
Operational Performance
Uraian 2024 2023 2022 Description
Produk Simpanan (dalam unit rekening)*
Deposit Products (in account unit)*
Tabungan 52,529 41,191 42,100 Saving Deposits
Giro 3,114 2,564 2,461 Current Accounts
Deposito Berjangka 22,759 18,781 16,947 Time Deposits
Negotiable Certificate Deposits 181 150 191 Negotiable Certificate Deposits
Total 78,583 62,686 61,699 Total
Produk Pinjaman (dalam juta Rupiah)**
Loan Products (in million Rupiah)**
Pinjaman Tetap 10,085,769 9,697,513 8,860,926 Fixed Loans
Pinjaman Konsumen 167,347 164,627 167,465 Consumer Loans
Pinjaman Rekening Koran 2,122,250 1,871,767 1,677,755 Overdraft Loans
Pinjaman Tetap dengan Angsuran 8,110,450 6,864,293 5,078,177 Fixed Loans with Installments
Pinjaman Serba Guna 74,045 30,543 40,288 Multipurpose Loans
Total 20,559,860 18,628,743 15,824,611 Total
* Merupakan angka PT Bank Victoria International Tbk. / This figure refers to PT Bank Victoria International Tbk.
** Konsolidasian sampai dengan divestasi Entitas Anak pada tanggal 22 Desember 2022. / Consolidated until the divestment of Subsidiary on 22 December 2022.
Keberlanjutan Kinerja Sosial [POJK B.3]
Social Performance Sustainability
Satuan
Uraian 2024 2023 2022 Description
Unit
Pengelolaan Human Capital
Human Capital Management
Orang
Jumlah Karyawan 746 713 688 Total Employees
People
Karyawan Wanita % 48.12 47.55 47.09 Female Employees
Jam/Orang
Jam Pelatihan/Karyawan 5 5 4 Training Hours/Employee
Hours/People
Karyawan Lokal* % 68.36 67.46 66.86 Local Employees*
Pengembangan Sosial dan Kemasyarakatan
Social and Community Development
Orang
Penerima Manfaat 1,499 2,072 2,121 Beneficiaries
People
Biaya Investasi Sosial Rupiah 1,208,651,520 179,610,888 238,215,664 Social Investment Cost
* Karyawan yang memiliki domisili yang sesuai dengan wilayah operasional tempat bekerja. / Employees having domicile in accordance with the operational area where they work.
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Kilas Kinerja
Performance Highlights
Keberlanjutan Kinerja Lingkungan Hidup [POJK B.2]
Environmental Performance Sustainability
Satuan
Uraian 2024 2023 2022 Description
Unit
Pembiayaan Pertimbangan Juta Rupiah Financing by Considering
601,964 623,231 794,947
Aspek Lingkungan Million Rupiah Environmental Aspect
Entitas
Debitur yang Memperoleh PROPER - - - Debtor Receiving PROPER
Entity
Penggunaan Listrik GJ 4,914.20 4,774.83 4,442.55 Use of Electricity
Penggunaan Bahan Bakar Minyak (BBM) GJ 2,353.97 2,262.32 2,879.76 Use of Fuel (BBM)
Penggunaan Air m3 20,080.38 18,746.74 5,494.06 Water Use
Rim
Penggunaan Kertas 1,911 1,935 1,703 Paper Use
Ream
Ikhtisar Saham
Share Highlights
Volume Transaksi Jumlah Saham
Harga Harga Harga Harga
(Lembar Saham) Beredar Kapitalisasi Pasar
Pembukaan Terendah Tertinggi Penutupan
Periode Transaction (Lembar Saham) Market
Period Opening Lowest Highest Closing
Volume Total Outstanding Capitalization
Price Price Price Price
(Number of Shares (Rp)
(Rp) (Rp) (Rp) (Rp)
Shares) (Number of Shares)
2024
Kuartal I
98 83 98 84 185,009,540 15,848,526,679 1,331,276,241,036
Quarter I
Kuartal II
84 50 89 71 409,000,931 15,848,527,062 1,125,245,421,402
Quarter II
Kuartal III
72 70 92 83 972,724,406 15,848,530,226 1,315,428,008,758
Quarter III
Kuartal IV
84 79 112 89 816,757,322 15,848,532,906 1,410,519,428,634
Quarter IV
2023
Kuartal I
107 85 118 93 323,118,200 15,848,234,714 1,473,885,828,402
Quarter I
Kuartal II
88 87 104 95 260,058,800 15,848,234,955 1,505,582,320,725
Quarter II
Kuartal III
101 97 135 99 641,361,400 15,848,235,599 1,568,975,324,301
Quarter III
Kuartal IV
105 89 106 99 369,707,600 15,848,235,778 1,568,975,342,022
Quarter IV
20 PT Bank Victoria International Tbk | Laporan Tahunan dan Keberlanjutan 2024 Annual and Sustainability Report
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Volume Transaksi (Lembar Saham) Harga Penutupan (Rp)
Transaction Volume (Number of Shares) Closing Price (Rp)
1,200,000,000 120
1,000,000,000 100
800,000,000 80
600,000,000 60
400,000,000 40
200,000,000 20
0 0
Kuartal I Kuartal II Kuartal III Kuartal IV Kuartal I Kuartal II Kuartal III Kuartal IV
Quarter I Quarter II Quarter III Quarter IV Quarter I Quarter II Quarter III Quarter IV
2023 2024
Volume Transaksi (Lembar Saham) Harga Penutupan (Rp)
Transaction Volume (Number of Shares) Closing Price (Rp)
Aksi Korporasi Corporate Actions
Pada tahun 2024, Bank melaksanakan aksi korporasi berupa In 2024, the Bank carried out corporate actions in the form of
Pencatatan Penambahan Saham Hasil Exercise Waran Seri VII Additional Shares Listing Resulting from Exercise of Series VII
PT Bank Victoria lnternational Tbk dengan jangka waktu Warrants of PT Bank Victoria International Tbk with an
pelaksanaan dimulai pada 19 Juni 2023 sampai 18 Desember implementation period starting from 19 June 2023 to 18 December
2025. Adapun jumlah saham yang telah diterbitkan dan sisa waran 2025. The number of shares issued and remaining warrants as of
per 31 Desember 2024 menjadi sebagai berikut: 31 December 2024 are as follows:
Jumlah Saham Sebelum Jumlah Saham Setelah
Sisa Waran
Penambahan Saham Hasil Jumlah Penambahan Penambahan Saham Hasil
Seri VII
Waktu Exercise Waran Seri Vll Waran Seri VII Exercise Waran Seri Vll
Time Remaining
Number of Shares Before Number of Additional Number of Shares After Addition
Series VII
Addition of Shares Resulting from Series VII Warrants of Shares Resulting from Exercise
Warrants
Exercise of Series VII Warrants of Series VII Warrants
Juni 2023
15,848,234,714 241 15,848,234,955 2,573,669,876
June 2023
Juli 2023
15,848,234,955 467 15,848,235,422 2,573,669,409
July 2023
Agustus 2023
15,848,235,422 93 15,848,235,515 2,573,669,316
August 2023
September 2023 15,848,235,515 84 15,848,235,599 2,573,669,232
Oktober 2023
15,848,235,599 134 15,848,235,733 2,573,669,098
October 2023
November 2023 15,848,235,733 33 15,848,235,766 2,573,669,065
Desember 2023
15,848,235,766 12 15,848,235,778 2,573,669,053
December 2023
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Kilas Kinerja
Performance Highlights
Jumlah Saham Sebelum Jumlah Saham Setelah
Sisa Waran
Penambahan Saham Hasil Jumlah Penambahan Penambahan Saham Hasil
Seri VII
Waktu Exercise Waran Seri Vll Waran Seri VII Exercise Waran Seri Vll
Time Remaining
Number of Shares Before Number of Additional Number of Shares After Addition
Series VII
Addition of Shares Resulting from Series VII Warrants of Shares Resulting from Exercise
Warrants
Exercise of Series VII Warrants of Series VII Warrants
Januari 2024
15,848,235,778 290,899 15,848,526,677 2,573,378,154
January 2024
Maret 2024
15,848,526,677 2 15,848,526,679 2,573,378,152
March 2024
April 2024 15,848,526,679 183 15,848,526,862 2,573,377,969
Juni 2024
15,848,526,862 200 15,848,527,062 2,573,377,769
June 2024
Juli 2024
15,848,527,062 1,220 15,848,528,282 2,573,376,549
July 2024
Agustus 2024
15,848,528,282 1,002 15,848,529,284 2,573,375,547
August 2024
September 2024 15,848,529,284 942 15,848,530,226 2,573,374,605
Oktober 2024
15,848,530,226 1,329 15,848,531,555 2,573,373,276
October 2024
November 2024 15,848,531,555 1,143 15,848,532,698 2,573,372,133
Desember 2024
15,848,532,698 208 15,848,532,906 2,573,371,925
December 2024
Selain itu, Bank juga melakukan penawaran umum Obligasi Furthermore, the Bank also carried out public offering of
Subordinasi Berkelanjutan III Bank Victoria Tahap I Tahun 2024 dan Bank Victoria Sustainable Subordinated Bonds III Phase I Year
penawaran umum Obligasi Berkelanjutan III Bank Victoria Tahap II 2024 and public offering of Bank Victoria Sustainable Subordinated
Tahun 2024. Penawaran umum Obligasi Subordinasi Berkelanjutan III Bonds III Phase II Year 2024. The public offering of Bank Victoria
Bank Victoria Tahap I Tahun 2024 dilaksanakan pada Juli 2024 Continuous Subordinated Bonds III Phase I Year 2024 was carried
dengan nilai pokok sebesar Rp500.000.000.000,-. Obligasi ini out in July 2024 with a principal value of Rp500,000,000,000.
ditawarkan dengan nilai 100% dari nilai pokok obligasi dengan These bonds are offered at a value of 100% of the principal value
tingkat bunga tetap sebesar 10,75% per tahun dengan jangka of bonds with fixed rate of 10.75% per annum with a term of 5 (five)
waktu 5 (lima) tahun sejak tanggal emisi. Bunga obligasi dibayarkan years since emission date. Interest of the bond paid every 3 (three)
setiap 3 (tiga) bulan sekali terhitung sejak tanggal emisi pada months starting from emission date, 12 October 2024, for the first
tanggal pembayaran bunga obligasi pertama kali, yaitu tanggal payment whereas the last payment will be on 12 July 2029 at
12 Oktober 2024, sedangkan pembayaran bunga obligasi terakhir akan the maturity date of the bond.
dilakukan pada tanggal jatuh tempo yaitu pada tanggal 12 Juli 2029.
Selain itu, penawaran umum Obligasi Berkelanjutan III Bank Victoria In addition, the public offering of Bank Victoria Continuing Bonds
Tahap II Tahun 2024 dilaksanakan pada Juli 2024 dengan nilai pokok III Phase II Year 2024 was carried out in July 2024 with a principal
sebesar Rp500.000.000.000,-. Obligasi ini ditawarkan dengan value of Rp500,000,000,000. These bonds are offered at a value
nilai 100% dari nilai pokok obligasi dengan tingkat bunga tetap of 100% of the principal value of bonds with fixed rate of 9.50% per
sebesar 9,50% per tahun dengan jangka waktu 3 (tiga) tahun sejak annum with a term of 3 (three) years since emission date. Interest of
tanggal emisi. Bunga obligasi dibayarkan setiap 3 (tiga) bulan sekali the bond paid every 3 (three) months starting from emission date,
terhitung sejak tanggal emisi pada tanggal pembayaran bunga 12 October 2024, for the first payment whereas the last payment will
obligasi pertama kali yaitu tanggal 12 Oktober 2024, sedangkan be on 12 July 2027 at the maturity date of the bond.
pembayaran bunga obligasi terakhir akan dilakukan pada tanggal
jatuh tempo yaitu pada tanggal 12 Juli 2027.
Aktivitas Perdagangan Saham Share Trading Activity
Sepanjang tahun 2024, tidak terdapat sanksi terkait aktivitas Throughout 2024, there were no sanctions related to share trading
perdagangan saham, baik berupa penghentian sementara ataupun activities, either in form of temporary suspension on share trading or
penghapusan pencatatan saham. Bank senantiasa patuh terhadap share delisting. The Bank always complies with the provisions and
ketentuan dan peraturan perundang-undangan yang berlaku laws and regulations applicable in Indonesia, particularly regarding
di Indonesia, khususnya terkait pasar modal. capital market.
22 PT Bank Victoria International Tbk | Laporan Tahunan dan Keberlanjutan 2024 Annual and Sustainability Report
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Ikhtisar Obligasi
Bonds Highlights
Tingkat
Jumlah Tenor Suku Peringkat Status
Uraian (Juta Rupiah) (Tahun) Bunga Tanggal Ratings Pembayaran
Description Total Tenure Interest Dates Payment
(Million Rupiah) (Year) Rates Status
(%) 2024 2023
Obligasi Subordinasi Berkelanjutan I
Bank Victoria Tahap II Tahun 2018 5 Juni 2018 -
dengan tingkat bunga tetap 5 Juni 2025 idBBB idBBB Belum Lunas
350,000 7 11.00
Bank Victoria Continuous Subordinated 5 June 2018 - (Triple B) (Triple B) Not Paid
Bond I Phase II of 2018 at fixed interest 5 June 2025
rate
Obligasi Subordinasi Berkelanjutan II 28 Juni 2019 -
Bank Victoria Tahap I Tahun 2019 28 Juni 2026 idBBB idBBB Belum Lunas
250,000 7 11.75
Bank Victoria Continuous Subordination 28 June 2019 - (Triple B) (Triple B) Not Paid
Bonds II Phase I Year 2019 28 June 2026
Obligasi Subordinasi Berkelanjutan II
Bank Victoria Tahap II Tahun 2019 8 November 2019 - idBBB idBBB Belum Lunas
150,000 7 11.25
Bank Victoria Continuous Subordination 8 November 2026 (Triple B) (Triple B) Not Paid
Bonds II Phase II Year 2019
Obligasi Subordinasi Berkelanjutan II
Bank Victoria Tahap III Tahun 2020 1 April 2020 - idBBB idBBB Belum Lunas
60,000 7 11.25
Bank Victoria Continuous Subordination 1 April 2027 (Triple B) (Triple B) Not Paid
Bonds II Phase III Year 2020
Obligasi Berkelanjutan III Bank Victoria
9 Maret 2023 -
Tahap I Tahun 2023 dengan tingkat idA- idA-
9 Maret 2026 Belum Lunas
bunga tetap Seri A 300,000 3 9.25 (Single A (Single A
9 March 2023 - Not Paid
Bank Victoria Series A Continuing Bonds Minus) Minus)
9 March 2026
III Phase I Year 2023 at fixed interest rate
Obligasi Berkelanjutan III Bank Victoria
9 Maret 2023 -
Tahap I Tahun 2023 dengan tingkat idA- idA-
9 Maret 2028 Belum Lunas
bunga tetap Seri B 200,000 5 10.25 (Single A (Single A
9 March 2023- Not Paid
Bank Victoria Series B Continuing Bonds Minus) Minus)
9 March 2028
III Phase I Year 2023 at fixed interest rate
Obligasi Subordinasi Berkelanjutan III 12 Juli 2024 -
Bank Victoria Tahap I Tahun 2024 12 Juli 2029 idBBB Belum Lunas
500,000 5 10.75 -
Bank Victoria Continuous Subordinated 12 July 2024 - (Triple B) Not Paid
Bonds III Phase I Year 2024 12 July 2029
Obligasi Berkelanjutan III Bank Victoria 12 Juli 2024 -
12 Juli 2027 idA-
Tahap II Tahun 2024 Belum Lunas
500,000 3 9.50 (Single A -
Bank Victoria Continuing Bonds III 12 July 2024 - Not Paid
Minus)
Phase II Year 2024 12 July 2027
Keterangan rating: / Rating description:
* idA- (Single A Minus) dari PT Pemeringkat Efek Indonesia (PEFINDO). / idA- (Single A Minus) from PT Pemeringkat Efek Indonesia (PEFINDO).
* idBBB (Triple B) dari PT Pemeringkat Efek Indonesia (PEFINDO). / idBBB (Triple B) from PT Pemeringkat Efek Indonesia (PEFINDO).
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Kilas Kinerja
Performance Highlights
Peristiwa Penting
Significant Events
Januari / January Februari / February
Bank Victoria meraih penghargaan The Best Indonesia Bank Victoria meraih penghargaan 1st Best Indonesia
18 Enterprises Risk Management Award - VI - 2024 22 GCG Award-VIII-2024 kategori Bank Public Company
kategori Bank Public Company Asset Rp20 Triliun - dalam ajang Indonesia Good Corporate Governance (GCG)
Rp25 Triliun oleh Economic Review. Award 2024 oleh Economic Review.
Bank Victoria won the Best Indonesia Enterprises Bank Victoria won the 1st Best Indonesia GCG
Risk Management Award - VI - 2024 in Bank Public Award-VIII-2024 in Bank Public Company category at
Company Asset category of Rp20 Trillion - Rp25 Trillion Indonesia Good Corporate Governance (GCG) Award
by Economic Review. 2024 by Economic Review.
Maret / March April
Tim Corporate Secretary dan Corporate Communication Bank Victoria meraih penghargaan The 3rd Best
28 Bank Victoria meraih penghargaan The Best Corporate 1 Conventional Bank (KBMI 1) kategori Asset Class
Secretary & Communication Award 2024 oleh Majalah > Rp25 Triliun pada ajang 13th Infobank Digital Brand
Economic Review, Ideku Group, dan Indonesia-Asia Institute. Recognition 2024 yang diselenggarakan oleh Infobank.
Bank Victoria’s Corporate Secretary and Corporate Bank Victoria won the 3rd Best Conventional Bank
Communication Team won the Best Corporate Secretary (KBMI 1) award in Asset Class > Rp25 Trillion category at
& Communication Award 2024 by Economic Review the 13th Infobank Digital Brand Recognition 2024 event
Magazine, Ideku Group, and Indonesia-Asia Institute. organized by Infobank.
24 PT Bank Victoria International Tbk | Laporan Tahunan dan Keberlanjutan 2024 Annual and Sustainability Report
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April Mei / May
Bank Victoria meraih penghargaan The 2nd Best Bank Victoria melaksanakan kegiatan edukasi digital
1 Deposit Conventional Bank (KBMI 1) kategori Asset Class 30 banking bertajuk “Technology Make A Difference”
> Rp25 Triliun pada ajang 13th Infobank Digital Brand di Sekolah Menengah Atas Negeri (SMAN) 8 Kota
Recognition 2024 yang diselenggarakan oleh Infobank. Tangerang Selatan yang diikuti oleh 60 peserta yang
berasal dari siswa dan siswi kelas 11.
Bank Victoria won the 2nd Best Deposit Conventional Bank Victoria held digital banking education activity
Bank (KBMI 1) award for Asset Class > Rp25 Trillion entitled “Technology Makes A Difference” at State
category at the 13th Infobank Digital Brand Recognition Senior High School (SMAN) 8, South Tangerang City,
2024 event organized by Infobank. attended by 60 students of the 11th grade.
Juni / June Juli / July
Bank Victoria melaksanakan Rapat Umum Pemegang Dalam rangka meningkatkan pelayanan kepada
14 Saham Tahunan 2024 di Graha BIP, Jl. Gatot Subroto 3 nasabah, Bank Victoria melakukan relokasi Kantor
Kav. 23, Jakarta Selatan 12930. Cabang Pembantu (KCP) Senayan City ke KCP Hang
Tuah yang beralamat di Jl. Hang Tuah Raya No. 4
Lantai 2, Kel. Gunung, Kec. Kebayoran Baru, Jakarta
Bank Victoria held the 2024 Annual General Meeting Selatan 12120.
of Shareholders at Graha BIP, Jl. Gatot Subroto Kav. 23, To improve customer service, Bank Victoria relocated
South Jakarta 12930. Senayan City Sub-Branch Office (KCP) to KCP Hang
Tuah, located at Jl. Hang Tuah Raya No. 4, 2nd Floor,
Kel. Gunung, Kec. Kebayoran Baru, South Jakarta 12120.
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Kilas Kinerja
Performance Highlights
Juli / July
Bank Victoria menerbitkan Obligasi Subordinasi Bank Victoria menerbitkan Obligasi Berkelanjutan III
12 Berkelanjutan III Bank Victoria Tahap I Tahun 2024 12 Bank Victoria Tahap II Tahun 2024 sebesar
sebesar Rp500.000.000.000,-. Rp500.000.000.000,-.
Bank Victoria issued Bank Victoria Continuous Bank Victoria issued Bank Victoria Continuing Bonds III
Subordinated Bonds III Phase I Year 2024 amounting to Phase II Year 2024 amounting to Rp500,000,000,000.
Rp500,000,000,000.
Agustus / August
Bank Victoria meraih penghargaan The Best Bank Bank Victoria meraih penghargaan The Best
1 Awards 2024 for accelerating Prudent and sustainable 12 Indonesia Finance for Bank Public Company 2024
Business Growth Through Digital-Based Product and kategori Asset Rp20 Triliun - Rp50 Triliun oleh
Service Innovation kategori Bank Swasta Kelompok Bank Economic Review.
Berdasarkan Modal Inti (KBMI) I oleh Warta Ekonomi.
Bank Victoria won The Best Bank Awards 2024 for Bank Victoria won the Best Indonesia Finance for Bank
accelerating Prudent and sustainable Business Growth Public Company 2024 award in Asset of Rp20 Trillion -
Through Digital-Based Product and Service Innovation Rp50 Trillion category by the Economic Review.
in Private Bank category of Bank Group Based on
Core Capital (KBMI) I by Warta Ekonomi.
September
Bank Victoria meraih penghargaan Best Bank
9 Performance of MSMEs Loan Awards 2024 dengan
predikat “Sangat Prima” kategori Modal Inti sampai
dengan Rp6 triliun (KBMI 1) Aset Rp25 triliun sampai
dengan di bawah Rp30 triliun oleh Majalah Peluang.
Bank Victoria won the Best Bank Performance of MSMEs
Loan Awards 2024 with title “Very Excellent” in the Core
Capital category of up to Rp6 trillion (KBMI 1), Assets of
Rp25 trillion to below Rp30 trillion, by Peluang Magazine.
26 PT Bank Victoria International Tbk | Laporan Tahunan dan Keberlanjutan 2024 Annual and Sustainability Report
Page 29
Oktober / October November
Bank Victoria merayakan Hari Ulang Tahun Bank Victoria menyelenggarakan acara lari berstandar
7 Bank Victoria yang ke-30, menandai tiga dekade 3 nasional, yaitu Victoria Run 2024, yang berlangsung
perjalanan penuh prestasi, tantangan, dan inovasi di QBIG BSD, Tangerang. Acara ini menjadi bagian
dalam industri perbankan. Acara perayaan ini dihadiri dari inisiatif Bank dalam mendukung gaya hidup sehat
oleh Jajaran Dewan Komisaris, Direksi, dan Pemegang serta mempererat hubungan dengan masyarakat dan
Saham Pengendali, sebagai bentuk apresiasi atas nasabah melalui kegiatan olahraga yang kompetitif dan
perjalanan panjang serta komitmen Bank dalam inspiratif.
memberikan layanan terbaik bagi nasabah dan
pemangku kepentingan.
Bank Victoria celebrated its 30th Anniversary, marking Bank Victoria held a national standard running event,
three decades of a journey full of achievements, namely Victoria Run 2024, which took place at QBIG
challenges, and innovations in banking industry. BSD, Tangerang. This event is part of the Bank’s
This celebration event was attended by the Board of initiatives to support healthy lifestyle and strengthen
Commissioners, Board of Directors, and Controlling relationship with the community and customers
Shareholders, as form of appreciation for the Bank’s long through competitive and inspiring sports activities.
journey and commitment to providing best services for
customers and stakeholders.
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Kilas Kinerja
Performance Highlights
Penghargaan dan Sertifikasi
Awards and Certifications
Penghargaan
Awards
01 02 03 04
05 06 07 08
1. The Best Indonesia Enterprises Risk Management 2. 1st Best Indonesia GCG Award-VIII-2024
Award - VI - 2024 Kategori / Category:
Kategori / Category: Bank Public Company Asset Rp20 Triliun - Rp25 Triliun
Bank Public Company Asset Rp20 Triliun - Rp25 Triliun Bank Public Company Asset Rp20 Trillion - Rp25 Trillion
Bank Public Company Asset Rp20 Trillion - Rp25 Trillion Tanggal / Date:
Tanggal / Date: 22 Februari 2024 / 22 February 2024
18 Januari 2024 / 18 January 2024 Acara / Event:
Acara / Event: Indonesia Good Corporate Governance (GCG) Award 2024
Indonesia Enterprises Risk Management Award - VI - 2024 Penyelenggara / Organizer:
Penyelenggara / Organizer: Economic Review
Economic Review Penerima / Awardee:
Penerima / Awardee: Bank Victoria
Bank Victoria
28 PT Bank Victoria International Tbk | Laporan Tahunan dan Keberlanjutan 2024 Annual and Sustainability Report
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3. The Best Corporate Secretary & Communication 4. The 3rd Best Conventional Bank (KBMI 1)
Award 2024 Kategori / Category:
Kategori / Category: Asset Class > Rp25 Triliun
Gold Award - Score: 89.00 – Excellent Asset Class > Rp25 Trillion
Tanggal / Date: Tanggal / Date:
28 Maret 2024 / 28 March 2024 1 April 2024
Acara / Event: Acara / Event:
Indonesia Corporate Secretary & Communication Award IX 2024 13th Infobank Digital Brand Recognition 2024
Penyelenggara / Organizer: Penyelenggara / Organizer:
Majalah Economic Review, Ideku Group, dan Indonesia-Asia Institute / Infobank
Economic Review Magazine, Ideku Group, and Indonesia-Asia Institute Penerima / Awardee:
Penerima / Awardee: Bank Victoria
Tim Corporate Secretary dan Corporate Communication Bank
Victoria / Bank Victoria’s Corporate Secretary and Corporate
Communication Team
5. The 2nd Best Deposit Conventional Bank (KBMI 1) 6. The Best Bank Awards 2024 for Accelerating
Kategori / Category: Prudent and Sustainable Business Growth Through
Asset Class > Rp25 Triliun Digital-Based Product and Service Innovation
Asset Class > Rp25 Trillion Kategori / Category:
Tanggal / Date: Bank Swasta Kelompok Bank Berdasarkan Modal Inti (KBMI) I /
1 April 2024 Private Bank of Bank Group Based on Core Capital (KBMI) I
Acara / Event: Tanggal / Date:
13th Infobank Digital Brand Recognition 2024 31 Juli 2024 / 31 July 2024
Penyelenggara / Organizer: Acara / Event:
Infobank Indonesia Best Bank Awards 2024
Penerima / Awardee: Penyelenggara / Organizer:
Bank Victoria Warta Ekonomi
Penerima / Awardee:
Bank Victoria
7. The Best Indonesia Finance 8. Best Bank Performance of MSMEs Loan Awards 2024
for Bank Public Company 2024 dengan Predikat “Sangat Prima”
Kategori / Category: Best Bank Performance of MSMEs Loan Awards 2024
Asset Rp20 Triliun - Rp50 Triliun with Predicate “Very Excellent”
Asset Rp20 Trillion - Rp50 Trillion Kategori / Category:
Tanggal / Date: Modal Inti sampai dengan Rp6 triliun (KBMI 1) Aset Rp25 triliun
12 Agustus 2024 / 12 August 2024 sampai dengan di bawah Rp30 triliun / Core Capital up to
Acara / Event: Rp6 trillion (KBMI 1), Assets of Rp25 trillion to below Rp30 trillion
Indonesia Finance Award VII 2024 Tanggal / Date:
Penyelenggara / Organizer: 9 September 2024
Economic Review Acara / Event:
Penerima / Awardee: Best Bank Performance of MSMEs Loans Award 2024
Bank Victoria Penyelenggara / Organizer:
Majalah Peluang
Penerima / Awardee:
Bank Victoria
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ZAENAL ABIDIN Ph.D
Komisaris Utama Independen
Independent President Commissioner
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Laporan
Dewan Komisaris
Report of the Board of Commissioners
Pemegang Saham dan Pemangku Kepentingan yang Terhormat,
Dear Honorable Shareholders and Stakeholders,
Tahun 2024 menandai fase transisi yang menantang bagi The year 2024 marked a challenging transition phase for the
industri keuangan global, dengan ketidakpastian geopolitik, global financial industry, with geopolitical uncertainty, market
volatilitas pasar, serta agenda keberlanjutan yang kian mendesak. volatility, and an increasingly pressing sustainability agenda.
Di tengah arus tersebut, Indonesia berhasil menjaga stabilitas Amidst these currents, Indonesia managed to maintain the
ekonomi dan memperkuat daya tahan sektor perbankan melalui economic stability and strengthen the resilience of banking
bauran kebijakan yang responsif dan kolaboratif. Kondisi ini sector through a responsive and collaborative policy mix.
membuka peluang bagi PT Bank Victoria International Tbk untuk This condition opens up opportunities for PT Bank Victoria
mengakselerasi transformasi, memperkuat tata kelola, serta International Tbk to accelerate transformation, strengthen
memperluas kontribusi terhadap pertumbuhan ekonomi yang governance, and expand contributions to inclusive and
inklusif dan berkelanjutan. sustainable economic growth.
Dari perspektif pengawasan strategis, Dewan Komisaris From a strategic supervision perspective, the Board of
memandang bahwa arah kebijakan dan kinerja Bank Commissioners observes that the Bank’s policy direction
sepanjang tahun tersebut telah sesuai dengan prinsip and performance throughout the year are in accordance
kehati-hatian, integritas tata kelola, dan tanggung jawab with prudential principles, governance integrity, and social
sosial. Penekanan terhadap efisiensi operasional, ketahanan responsibility. The emphasis on operational efficiency, portfolio
portofolio, serta integrasi aspek lingkungan dan sosial resilience, and integration of environmental and social aspects
ke dalam strategi bisnis mencerminkan komitmen untuk into business strategy reflect the commitment to creating
menciptakan nilai jangka panjang secara berimbang. Laporan long-term value in a balanced manner. This report also
ini pun menjadi refleksi atas pelaksanaan fungsi pengawasan reflects the implementation of supervisory function carried
yang dijalankan secara objektif dan independen, dalam out objectively and independently, in order to ensure the
rangka memastikan kesinambungan pertumbuhan Bank sustainability of the Bank’s growth amidst ever-evolving
di tengah dinamika yang terus berkembang. dynamics.
Kondisi Makroekonomi dan Macroeconomic Conditions and Banking
Industri Perbankan Tahun 2024 Industry in 2024
Lanskap perekonomian global tahun 2024 berada dalam The global economic landscape in 2024 was in a complex and
konfigurasi yang kompleks dan dinamis. Tiga faktor utama, dynamic configuration. Three main factors, namely escalation
yaitu eskalasi ketegangan geopolitik, pergantian kepemimpinan of geopolitical tensions, changes in political leadership in
politik di berbagai negara, serta melambatnya pertumbuhan various countries, and slowing global economic growth were
ekonomi global menjadi penentu utama arah pergerakan the primary determinants of the direction of market movements
pasar dan sentimen pelaku usaha. Organisation for Economic and business sentiment. The Organisation for Economic
Co-operation and Development (OECD) mencatat pertumbuhan Co-operation and Development (OECD) recorded world
ekonomi dunia sebesar 3,2%, mencerminkan pemulihan yang economic growth of 3.2%, reflecting an uneven and still fragile
tidak merata dan masih rapuh. Namun, di tengah gejolak recovery. However, amidst such external turmoil, Indonesia’s
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eksternal tersebut, perekonomian Indonesia tetap menunjukkan economy continued to show resilience that deserved appreciation,
ketahanan yang patut diapresiasi, dengan laju pertumbuhan with a growth rate reaching 5.02%. This achievement was supported
mencapai 5,02%. Capaian ini ditopang oleh konsumsi domestik by stable domestic consumption, prudent fiscal and monetary
yang stabil, sinergi kebijakan fiskal dan moneter yang prudent, serta policy synergy, and positive contributions from manufacturing and
kontribusi positif dari sektor manufaktur dan investasi. investment sectors.
Industri perbankan nasional pun tampil adaptif dan kontributif The national banking industry also appeared adaptive and
dalam menjaga stabilitas sistem keuangan. Fungsi intermediasi contributive in maintaining the stability of financial system.
tetap tumbuh kuat, tercermin dari peningkatan kredit perbankan Intermediation function continued to grow strongly, reflected in
umum yang tumbuh sebesar 10,39% (yoy). Pertumbuhan ini the increase in general banking loans which grew by 10.39% (yoy).
didorong oleh meningkatnya permintaan kredit dari sektor This growth was driven by the increasing demand for loans from
korporasi dan UMKM, khususnya pada bidang perdagangan serta corporate and MSME sectors, particularly in trade and agriculture
pertanian. Dari sisi pendanaan, dana pihak ketiga (DPK) tumbuh sectors. From funding side, third-party funds (DPK) grew by 4.48%
sebesar 4,48% (yoy), menopang kondisi likuiditas yang tetap sehat (yoy), supporting sound liquidity conditions with the ratio of
dengan rasio aset likuid terhadap non-core deposit (AL/NCD) dan liquid assets to non-core deposits (AL/NCD) and liquid assets to
aset likuid terhadap dana pihak ketiga (AL/DPK) masing-masing third-party funds (AL/DPK) of 112.87% and 25.59%, respectively.
sebesar 112,87% dan 25,59%. Sementara itu, indikator permodalan Meanwhile, capital indicators remained at a solid level with capital
tetap berada pada tingkat yang solid dengan capital adequacy adequacy ratio (CAR) of 26.68%, accompanied by improved asset
ratio (CAR) sebesar 26,68%, diiringi oleh kualitas aset yang membaik quality through a decrease in gross non-performing loan (NPL) ratio
melalui penurunan rasio non-performing loan (NPL) gross ke 2,08% to 2.08% and net NPL to 0.74%. All of these indicators reflected the
dan NPL net ke 0,74%. Keseluruhan indikator ini merefleksikan capacity and readiness of banking industry to continue to play a
kapasitas dan kesiapan industri perbankan untuk terus memainkan central role in supporting sustainable national economic growth,
peran sentral dalam mendukung pertumbuhan ekonomi nasional while strengthening its resilience in facing future challenges.
secara berkelanjutan, sekaligus memperkuat daya tahannya dalam
menghadapi tantangan ke depan.
Pengawasan terhadap Perumusan dan Supervision of Bank Victoria’s Strategy
Implementasi Strategi Bank Victoria Formulation and Implementation
Sepanjang tahun 2024, Dewan Komisaris senantiasa memastikan Throughout 2024, the Board of Commissioners continued to ensure
bahwa strategi bisnis yang dijalankan Bank Victoria berada dalam that business strategy implemented by Bank Victoria was on track
jalur yang selaras dengan rencana arah kebijakan korporasi jangka with the long-term corporate policy direction plan as stated in
panjang sebagaimana tertuang dalam Rencana Bisnis Bank the Bank’s Business Plan (RBB) and Sustainable Finance Action
(RBB) dan Rencana Aksi Keuangan Berkelanjutan (RAKB). Dalam Plan (RAKB). In its implementation, supervision was carried out
pelaksanaannya, pengawasan dilakukan secara menyeluruh dan comprehensively and continuously, both through evaluation of
berkesinambungan, baik melalui evaluasi capaian kinerja maupun performance achievements and through intensive discussions in
melalui pembahasan intensif dalam forum rapat bersama Direksi. joint meeting forums with the Board of Directors. These approaches
Pendekatan ini memungkinkan Dewan Komisaris untuk menelaah allow the Board of Commissioners to review the effectiveness of
efektivitas implementasi strategi, mencermati dinamika operasional, strategy implementation, observe operational dynamics, and ensure
serta mengawal agar Bank tetap adaptif terhadap perubahan that the Bank remains adaptive to rapid and challenging changes in
lingkungan usaha yang cepat dan menantang. business environment.
Fungsi pengawasan juga ditopang oleh pemberian arahan dan The supervisory function is also supported by providing in-depth
pertimbangan strategis yang mendalam terhadap aspek-aspek strategic direction and considerations on fundamental aspects,
fundamental, seperti kesehatan permodalan, efektivitas manajemen such as capital soundness, risk management effectiveness, and
risiko, dan keberlangsungan tata kelola. Dengan penguatan governance sustainability. By strengthening communication among
komunikasi antar pemangku kepentingan internal, Dewan Komisaris internal stakeholders, the Board of Commissioners also directs
turut mengarahkan agar pertumbuhan yang dicapai tetap seimbang that the growth achieved remains balanced between achieving
antara pencapaian target finansial dan kepatuhan terhadap prinsip financial targets and compliance with the prudential principles. This
kehati-hatian. Pengawasan ini diyakini menjadi landasan yang supervision is believed to be an important basis for Bank Victoria in
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penting bagi Bank Victoria dalam menjaga kesinambungan kinerja, maintaining performance sustainability, increasing competitiveness,
meningkatkan daya saing, serta memperkuat posisi strategis and strengthening its strategic position amidst the ever-evolving
di tengah lanskap industri perbankan yang terus berkembang. banking industry landscape.
Penilaian terhadap Kinerja Direksi Assessment of the Board of Directors’
mengenai Pengelolaan Bank Victoria Performance regarding the Management of
Bank Victoria
Dewan Komisaris menilai bahwa sepanjang tahun 2024, Direksi The Board of Commissioners considered that throughout 2024,
Bank Victoria telah menunjukkan kapasitas manajerial yang the Board of Directors of Bank Victoria demonstrated adaptive and
adaptif dan responsif dalam menghadapi dinamika ekonomi serta responsive managerial capacity in dealing with economic dynamics
kompleksitas industri perbankan. Di tengah ketidakpastian global and complexity of banking industry. Amid global uncertainty and
dan pergeseran perilaku pasar domestik, pengelolaan usaha shifts in domestic market behavior, business management was
dilakukan secara terukur dan selaras dengan arah RBB dan RAKB carried out in a measured manner and in line with the direction
yang telah ditetapkan. Peningkatan total aset menjadi Rp31,05 of the established RBB and RAKB. The increase in total assets to
triliun mencerminkan efektivitas strategi ekspansi yang dijalankan Rp31.05 trillion reflected the effectiveness of expansion strategy
secara konsisten dan berkesinambungan. Di tengah dinamika pasar, that was carried out consistently and sustainably. Amidst these
pengelolaan sisi liabilitas juga dilakukan secara hati-hati untuk market dynamics, liability management was also carried out
menjaga keseimbangan struktur pendanaan, seiring dengan upaya carefully to maintain a balanced funding structure, along with
optimalisasi penghimpunan dana pihak ketiga yang mendukung efforts to optimize the collection of third-party funds that supported
keberlanjutan intermediasi Bank secara keseluruhan. Seluruh the sustainability of the overall intermediation of the Bank. All of
langkah tersebut mendukung terwujudnya stabilitas keuangan yang such measures supported the realization of solid financial stability
solid dan sejalan dengan prinsip tata kelola yang berkelanjutan. and were in line with the principles of sustainable governance.
Dari sisi profitabilitas, Direksi mampu menjaga kinerja pendapatan From profitability side, the Board of Directors was able to maintain
yang sehat di tengah tekanan eksternal, termasuk kenaikan sound income performance amid external pressures, including an
suku bunga acuan yang memengaruhi beban dana. Meskipun increase in benchmark interest rate that affected the cost of funds.
pendapatan bunga bersih mengalami koreksi sebesar 5,21%, Though net interest income experienced a correction of 5.21%, Bank
Bank Victoria berhasil mengompensasinya melalui peningkatan Victoria managed to compensate for it through a significant increase
signifikan pada pendapatan operasional lainnya sebesar 44,35%, in other operating income of 44.35%, the result of strengthening
hasil dari penguatan layanan jasa dan efektivitas sinergi digital. services and effectiveness of digital synergy. Net profit which
Laba bersih yang meningkat menjadi Rp117,86 miliar atau tumbuh increased to Rp117.86 billion or grew by 15.76% compared to that
15,76% dibandingkan tahun sebelumnya, mencerminkan hasil of the previous year, reflected the results of consistent quality
dari konsistensi strategi pertumbuhan yang berkualitas, efisiensi growth strategies, operational efficiency, and resilience in facing
operasional, dan ketangguhan dalam menghadapi tekanan market pressures. The Board of Commissioners considered these
pasar. Dewan Komisaris memandang bahwa pencapaian tersebut achievements as an indicator of the Board of Directors’ success in
merupakan indikator keberhasilan Direksi dalam menjaga maintaining the balance between business growth and adequate
keseimbangan antara pertumbuhan bisnis dan pengelolaan risiko risk management.
yang memadai.
Lebih lanjut, Dewan Komisaris mengapresiasi keseriusan Direksi Furthermore, the Board of Commissioners appreciates the
dalam memperkuat peran Bank sebagai institusi keuangan yang Board of Directors’ seriousness in strengthening the Bank’s role
inklusif dan berorientasi masa depan. Pelaksanaan RAKB difokuskan as an inclusive and future-oriented financial institution. The
pada penguatan kapasitas internal dan penyesuaian peraturan implementation of RAKB is focused on strengthening internal
internal sebagai langkah awal menuju transformasi keberlanjutan capacity and adjusting internal regulations as an initial step towards
yang sistematis. Di sisi lain, pengembangan digital juga menunjukkan a systematic sustainability transformation. On the other hand, digital
progres signifikan, mulai dari penyempurnaan layanan internet dan development has also shown significant progress, starting from
mobile banking, penguatan infrastruktur keamanan data, hingga improving internet and mobile banking services, strengthening data
kolaborasi strategis dengan fintech dan lembaga keuangan mikro. security infrastructure, to strategic collaboration with fintech and
Integrasi antara digitalisasi dan keberlanjutan tersebut menegaskan microfinance institutions. The integration between digitalization
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komitmen Direksi dalam menciptakan nilai jangka panjang yang and sustainability confirms the Board of Directors’ commitment
selaras dengan prinsip tata kelola yang baik dan tuntutan perubahan to creating long-term value that is in line with good governance
zaman. Dalam pandangan Dewan Komisaris, langkah-langkah principles and the demands of changing times. In the view of the
tersebut telah memperkuat posisi Bank Victoria dalam menghadapi Board of Commissioners, these steps have strengthened Bank
tantangan masa kini sekaligus mempersiapkan diri untuk peluang Victoria’s position in facing today’s challenges while preparing for
masa depan yang lebih kompleks dan kompetitif. more complex and competitive future opportunities.
Pandangan atas Prospek Usaha Views on Business Outlook
Pada sudut pandang Dewan Komisaris, prospek usaha Bank Victoria From the Board of Commissioners’ perspective, Bank Victoria’s
pada tahun 2025 akan bergerak dalam konteks yang menuntut business prospects in 2025 will move in a context that demands
ketajaman adaptasi dan ketepatan arah kebijakan. Ketidakpastian sharp adaptation and precise policy direction. Global uncertainty
global masih menjadi latar dominan, di tengah koreksi proyeksi is still the dominant background, amidst the correction of world
pertumbuhan ekonomi dunia yang merefleksikan meningkatnya economic growth projections that reflect increasing geopolitical
tekanan geopolitik dan fragmentasi perdagangan. Meski demikian, pressures and trade fragmentation. Nevertheless, the resilience of
ketangguhan perekonomian nasional menjadi sinyal positif bahwa national economy is a positive signal that domestic growth space
ruang pertumbuhan domestik tetap terjaga, sejalan dengan respons is maintained, in line with the balanced fiscal and monetary policy
kebijakan fiskal dan moneter yang berimbang serta stabilitas response and the relatively solid stability of real sector. From this
sektor riil yang relatif solid. Dalam perspektif ini, sektor perbankan perspective, banking sector is seen as having a strategic role
dipandang memiliki peran strategis dalam menjaga kontinuitas in maintaining the continuity of recovery and growth, while still
pemulihan dan pertumbuhan, dengan tetap mengedepankan prioritizing prudential principles.
prinsip kehati-hatian.
Dengan mempertimbangkan proyeksi pertumbuhan kredit industri Considering the projection of industrial loan growth in the range
yang berada pada kisaran 11–13%, Dewan Komisaris menilai bahwa of 11-13%, the Board of Commissioners considers that Bank Victoria
Bank Victoria memiliki ruang yang memadai untuk melanjutkan has adequate space to continue accelerating growth progressively
akselerasi pertumbuhan secara progresif dan bertanggung jawab. and responsibly. Business plan and strategic projections submitted
Rencana bisnis serta proyeksi strategis yang diajukan Direksi telah by the Board of Directors have been reviewed and evaluated in line
dikaji dan dinilai selaras dengan kondisi eksternal, karakteristik pasar with external conditions, characteristics of markets served, and the
yang dilayani, serta kemampuan internal Perseroan. Dewan Komisaris Company’s internal capabilities. The Board of Commissioners views
memandang bahwa arah kebijakan tersebut telah memperhitungkan that the policy direction has considered important fundamental
aspek fundamental yang penting, baik dari sisi manajemen risiko, aspects, including in terms of risk management, liquidity resilience,
ketahanan likuiditas, maupun penguatan digitalisasi layanan. Dalam and strengthening service digitalization. Within this framework,
kerangka ini, penguatan sinergi internal dan kepatuhan terhadap strengthening internal synergy and compliance with national
ketentuan regulator nasional tetap menjadi perhatian utama, agar regulatory requirements remain the main concerns, enabling Bank
Bank Victoria senantiasa relevan dan tangguh dalam menjawab Victoria remains relevant and resilient in addressing to the needs of
kebutuhan ekonomi yang terus berkembang. the ever-growing economy.
Pandangan atas Penerapan Tata Kelola Views on the Implementation of Good
Perusahaan yang Baik Corporate Governance
Dewan Komisaris memandang bahwa tata kelola perusahaan yang The Board of Commissioners considers that good corporate
baik (GCG) merupakan pilar fundamental dalam menjaga integritas, governance (GCG) is a fundamental pillar in maintaining the integrity,
ketangguhan, dan kesinambungan bisnis Bank Victoria. Dalam resilience, and sustainability of Bank Victoria’s business. In practice,
praktiknya, GCG tidak hanya dijalankan sebagai bentuk kepatuhan GCG is not only implemented as a form of regulatory compliance,
terhadap regulasi, tetapi telah diinternalisasi sebagai nilai strategis but has been internalized as a strategic value that inspires every
yang menjiwai setiap proses kerja, keputusan manajerial, hingga work process, managerial decision, and the Bank’s relationship with
relasi Bank dengan para pemangku kepentingan. Dewan Komisaris stakeholders. The Board of Commissioners evaluated that the Board
menilai bahwa Direksi secara konsisten menunjukkan komitmen of Directors consistently demonstrated a commitment to instilling
untuk menanamkan prinsip-prinsip transparansi, akuntabilitas, the principles of transparency, accountability, professionalism, and
profesionalisme, dan tanggung jawab ke dalam budaya kerja responsibility into the Bank’s work culture, which were reflected,
Bank, yang antara lain tercermin dari telah dibentuknya sejumlah among others, in the establishment of a number of committees
komite di bawah Direksi yang bertugas untuk memastikan sejumlah under the Board of Directors with duties to ensure that the Bank’s
kegiatan Bank telah dijalankan sesuai koridor peraturan yang activities were conducted in line with applicable regulatory corridors
berlaku dan mekanisme pengendalian internal yang terus diperkuat and continuously strengthened internal control mechanisms, as well
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serta keselarasan antara kebijakan operasional dan arah strategis as alignment between operational policies and strategic direction
yang ditetapkan. Salah satu bentuk implementasi dari penguatan stated. One form of implementation of strengthening internal
pengendalian internal adalah dengan dibentuknya satuan kerja control is the establishment of Internal Control over Financial
Internal Control over Financial Reporting (ICoFR) untuk memastikan Reporting (ICoFR) work unit to ensure that the Bank has prepared
Bank telah menyusun dan menyampaikan Laporan Keuangan yang and submitted good and correct Financial Statements according to
baik dan benar sesuai kaidah regulasi yang berlaku. the applicable regulatory rules.
Sepanjang tahun pelaporan, Dewan Komisaris mencermati bahwa Throughout the reporting year, the Board of Commissioners observed
penerapan GCG di Bank Victoria telah menunjukkan kemajuan yang that GCG implementation Bank Victoria showed progressive
progresif, melalui pelaksanaan penilaian mandiri yang komprehensif progress, through the implementation of comprehensive self-
serta penyempurnaan struktur dan prosedur kerja secara berkala. assessments and periodic improvements to work structures and
Dewan Komisaris senantiasa mengapresiasi langkah-langkah procedures. The Board of Commissioners continued to appreciate
manajemen dalam mengintegrasikan aspek tata kelola ke dalam the management’s steps in integrating governance aspects into
perencanaan dan pelaksanaan strategi bisnis, termasuk melalui the planning and implementation of business strategies, including
peningkatan peran fungsi pengawasan dan komunikasi lintas unit through increasing the role of supervisory function and effective
yang efektif. Inisiatif tersebut menjadi modal penting bagi Bank cross-unit communication. These initiatives are important capital
untuk menghadapi tantangan eksternal secara adaptif, menjaga for the Bank to face external challenges adaptively, maintain
reputasi kelembagaan, serta menciptakan nilai jangka panjang institutional reputation, and create long-term value sustainably.
secara berkelanjutan.
Pandangan atas Penerapan Tanggung Views on the Implementation of Social and
Jawab Sosial dan Lingkungan Environmental Responsibility
Penerapan tanggung jawab sosial dan lingkungan di Bank Victoria The implementation of social and environmental responsibility at
merefleksikan pendekatan strategis yang terintegrasi antara Bank Victoria reflects an integrated strategic approach between
keberlanjutan bisnis dan kontribusi terhadap pembangunan inklusif. business sustainability and contribution to inclusive development.
Komitmen ini tercermin dalam pelaksanaan RAKB yang tidak This commitment is reflected in the implementation of RAKB
hanya memenuhi kewajiban regulatif, tetapi juga mengedepankan which not only fulfills regulatory obligations, but also prioritizes
tanggung jawab moral dalam mendukung terciptanya sistem moral responsibility in supporting the creation of inclusive and
keuangan yang inklusif dan ramah lingkungan, serta berorientasi environmentally friendly financial system, and has a long-term
jangka panjang. Penyelarasan kebijakan operasional dan manajemen orientation. Alignment of operational policies and risk management
risiko yang mempertimbangkan aspek sosial dan lingkungan menjadi that considers social and environmental aspects is an important
landasan penting dalam memperkuat ketahanan Bank terhadap foundation in strengthening the Bank’s resilience to external
tantangan eksternal, sekaligus membuka ruang pertumbuhan yang challenges, while opening up space for sustainable growth.
berkelanjutan.
Langkah-langkah penguatan juga terlihat melalui pelaksanaan Strengthening steps are also seen through the implementation of
program tanggung jawab sosial perusahaan (CSR) di bidang corporate social responsibility (CSR) programs in health, education,
kesehatan, pendidikan, dan pemberdayaan masyarakat, yang and community empowerment, which contribute to improving the
berkontribusi pada peningkatan kualitas hidup masyarakat dan quality of life of the community and preserving the surrounding
pelestarian lingkungan sekitar. Selain itu, pemetaan produk dan environment. Furthermore, mapping environmentally friendly
layanan berwawasan lingkungan mempertegas posisi Bank sebagai products and services emphasizes the Bank’s position as an
institusi yang adaptif terhadap perubahan dan proaktif dalam institution that is adaptive to changes and proactive in encouraging
mendorong nilai keberlanjutan. Dalam konteks tata kelola strategis, sustainable values. In the context of strategic governance, the
penerapan tanggung jawab sosial dan lingkungan dipandang implementation of social and environmental responsibility is
sebagai bagian integral dari misi korporasi jangka panjang yang seen as an integral part of the long-term corporate mission that
memperkuat kepercayaan pasar, memperluas manfaat ekonomi strengthens market confidence, expands socio-economic benefits,
sosial, serta meningkatkan daya saing institusional di tengah and increases institutional competitiveness amidst the dynamics of
dinamika sektor perbankan nasional. national banking sector.
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Perubahan Komposisi Anggota Changes in the Board of Commissioners’
Dewan Komisaris Composition
Sepanjang tahun 2024, tidak terdapat perubahan terkait komposisi Throughout 2024, there were no changes to the composition of the
anggota Dewan Komisaris Bank Victoria. Komposisi Dewan Komisaris Board of Commissioners of Bank Victoria. The current composition
yang menjabat saat ini meliputi: of the Board of Commissioners includes:
Komisaris Utama Independen : Zaenal Abidin Ph.D Independent President Commissioner : Zaenal Abidin Ph.D
Komisaris Independen : Gunawan Tenggarahardja Independent Commissioner : Gunawan Tenggarahardja
Komisaris : Sia Leng Ho Commissioner : Sia Leng Ho
Penutup Closing
Dewan Komisaris menyampaikan apresiasi yang setinggi-tingginya The Board of Commissioners would like to express its highest
kepada para Pemegang Saham atas kepercayaan dan dukungan appreciation to the Shareholders for their trust and support that
yang senantiasa diberikan kepada Bank Victoria. Ucapan terima are always given to Bank Victoria. The Board of Commissioners
kasih juga ditujukan kepada Direksi beserta seluruh insan Bank atas would also like to express its gratitude to the Board of Directors
dedikasi, integritas, dan kinerja yang konsisten dalam menghadirkan and all Bank personnel for their dedication, integrity, and
pertumbuhan yang sehat dan berkelanjutan. Penghargaan turut consistent performance in enabling sound and sustainable growth.
disampaikan kepada seluruh mitra kerja, regulator, dan pemangku Appreciation is also conveyed to all work partners, regulators, and
kepentingan lainnya atas sinergi dan kolaborasi yang telah terjalin other stakeholders for their synergy and collaboration properly
dengan baik sepanjang tahun 2024. Semoga Bank Victoria dapat established throughout 2024. The Board of Commissioners hope
terus memperkuat peran strategis dalam ekosistem perbankan Bank Victoria can continue to strengthen its strategic role in the
nasional serta memberikan nilai tambah yang berkelanjutan bagi national banking ecosystem and provide sustainable added value
seluruh pemangku kepentingan di masa mendatang. for all stakeholders in the future.
Atas nama Dewan Komisaris
On behalf of the Board of Commissioners
PT Bank Victoria International Tbk,
ZAENAL ABIDIN Ph.D
Komisaris Utama Independen
Independent President Commissioner
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Dewan Komisaris
Board of Commissioners
3 1 2
1. ZAENAL ABIDIN Ph.D 2. GUNAWAN TENGGARAHARDJA 3. SIA LENG HO
Komisaris Utama Independen Komisaris Independen Komisaris
President Commissioner Independent Independent Commissioner Commissioner
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ACHMAD FRISCANTONO
Direktur Utama
President Director
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Laporan
Direksi [POJK D.1]
Report of the Board of Directors
Pemegang Saham dan Pemangku Kepentingan yang Terhormat,
Dear Honorable Shareholders and Stakeholders,
Dengan mengucap syukur ke hadirat Tuhan Yang Maha Esa, By expressing gratitude to the presence of God Almighty,
Direksi PT Bank Victoria International Tbk menyampaikan the Board of Directors of PT Bank Victoria International Tbk
Laporan Direksi sebagai bagian dari pertanggungjawaban atas submits the Report of the Board of Directors as part of its
pelaksanaan tugas dan kewenangan selama tahun buku 2024. accountability for duties and authorities implementation
Laporan ini tidak hanya merefleksikan capaian dan dinamika throughout the 2024 fiscal year. This report not only reflects the
usaha sepanjang tahun berjalan, tetapi juga menggambarkan achievements and dynamics of business throughout the year,
komitmen berkelanjutan Bank dalam menjaga kesinambungan but also illustrates the Bank’s sustainability commitment to
kinerja, memperkuat fondasi tata kelola, serta memberikan maintaining performance continuity, strengthening governance
kontribusi nyata bagi perekonomian nasional dan masyarakat luas. foundation, and making concrete contributions to the national
economy and the wider community.
Di tengah dinamika ekonomi global yang terjadi yang disertai Amidst the dynamics of global economy that are accompanied
dengan tekanan eksternal dan perubahan arah kebijakan by external pressures and changes in monetary policy direction
moneter di berbagai negara, Bank Victoria tetap mampu in various countries, Bank Victoria has been able to maintain
menjaga performa usaha yang solid dengan mempertahankan its solid business performance by upholding prudential
prinsip kehati-hatian, ketahanan operasional, serta efektivitas principles, operational resilience, and the effectiveness of
strategi pertumbuhan. Keberhasilan ini merupakan hasil sinergi growth strategies. This success is the result of synergy between
antara transformasi digital, peningkatan efisiensi operasional, digital transformation, increasing operational efficiency,
penguatan permodalan, serta adaptasi terhadap regulasi dan strengthening capital, and adapting to regulations and market
ekspektasi pasar yang terus berkembang. Dengan landasan expectations that continue to develop. With a solid foundation
tata kelola yang kokoh dan semangat keberlanjutan, Bank of governance and a spirit of sustainability, the Bank continues
terus bergerak maju dalam mewujudkan aspirasi sebagai mitra to move forward in realizing its aspirations as a trusted financial
finansial terpercaya bagi seluruh pemangku kepentingan. partner for all stakeholders.
Tantangan Ekonomi dan Economic Challenges and Banking
Industri Perbankan Tahun 2024 Industry in 2024
Tahun 2024 ditandai oleh dinamika ekonomi global yang sarat Year 2024 was marked by the global economic dynamics
ketidakpastian, dipengaruhi oleh tiga faktor dominan: eskalasi full of uncertainty, influenced by three dominant factors:
konflik geopolitik, peralihan kepemimpinan politik di berbagai escalation of geopolitical conflicts, shifts in political leadership
negara, serta tren perlambatan ekonomi dunia. Ketegangan in various countries, and trend of global economic slowdown.
yang berkelanjutan di kawasan Eropa Timur, Timur Tengah, Ongoing tensions in Eastern Europe, the Middle East, and the
dan Asia Pasifik menambah tekanan pada stabilitas ekonomi Asia Pacific region added pressure to the global economic
global, khususnya terhadap rantai pasok dan harga komoditas. stability, particularly on supply chains and commodity prices.
Di tengah arus perubahan kepemimpinan politik yang Amidst the flow of changes in political leadership covering more
mencakup lebih dari 60 negara, termasuk Indonesia, pasar than 60 countries, including Indonesia, the global market faced
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global menghadapi potensi perubahan arah kebijakan ekonomi yang the potential for significant changes in economic policy direction.
signifikan. Meski sejumlah negara maju mencatatkan pertumbuhan Though some developed countries recorded moderate growth,
moderat, perekonomian global secara keseluruhan masih berada the overall global economy was still in an uneven recovery phase.
dalam fase pemulihan yang belum merata.
Dalam lanskap tersebut, Indonesia menunjukkan resiliensi yang In this landscape, Indonesia showed its resilience that deserved
patut diapresiasi. Di tengah tekanan eksternal dan tantangan appreciation. Amid external pressures and domestic challenges,
domestik, perekonomian nasional tetap tumbuh stabil di kisaran the national economy continued to grow steadily at around 5.02%,
5,02%, ditopang oleh konsumsi rumah tangga, belanja pemerintah, supported by household consumption, government spending, and
serta ekspansi sektor investasi dan manufaktur. Nilai tukar Rupiah expansion of investment and manufacturing sectors. The Rupiah
relatif terkendali, inflasi berhasil ditekan di bawah 2%, serta exchange rate was relatively under control, inflation was managed
kebijakan fiskal maupun moneter yang berjalan sinergis turut to be suppressed below 2%, and synergistic fiscal and monetary
menjaga momentum pertumbuhan. Namun demikian, tantangan policies helped maintain the growth momentum. Nevertheless,
struktural seperti ketimpangan pertumbuhan sektoral, perlambatan structural challenges such as sectoral growth disparities, slowing
investasi swasta, serta dampak pemutusan hubungan kerja (PHK) private investment, and the impact of layoffs in several industries
di sejumlah industri tetap menjadi perhatian yang memerlukan remained the concerns that required targeted, measurable,
respons kebijakan yang terarah, terukur, dan berkelanjutan. and sustainable policy responses.
Industri perbankan Indonesia, sebagai pilar utama stabilitas The Indonesian banking industry, as the main pillar of national
keuangan nasional, menghadapi tantangan likuiditas yang tidak financial stability, encountered a serious liquidity challenge.
ringan. Pertumbuhan kredit yang mencapai 10,39% (yoy) tidak Loan growth of 10.39% (yoy) was not fully offset by third-party funds
sepenuhnya diimbangi oleh pertumbuhan dana pihak ketiga growth of 4.48% (yoy), thus encouraging financial institutions to be
sebesar 4,48% (yoy), sehingga mendorong lembaga keuangan more selective and adaptive in maintaining the balance of assets
untuk lebih selektif dan adaptif dalam menjaga keseimbangan and liabilities. On the other hand, sharia banking segment, Regional
aset dan liabilitas. Di sisi lain, segmen perbankan syariah, Bank Development Banks (BPD), as well as Rural Banks (BPR) and Sharia
Pembangunan Daerah (BPD), serta Bank Perkreditan Rakyat (BPR) BPRs (BPRS) continued to show positive performance with solid
dan BPR Syariah (BPRS) tetap menunjukkan kinerja positif dengan capital levels and sound financing growth. BPD and BPR/BPRS also
tingkat permodalan yang solid dan pertumbuhan pembiayaan yang played an important role in supporting regional economy, though
sehat. BPD dan BPR/BPRS turut menunjukkan peran penting dalam the consolidation trend remained to meet capital requirements.
mendukung ekonomi daerah, meskipun tren konsolidasi masih Amidst various challenges, banking industry continued to play a
berlangsung untuk memenuhi ketentuan permodalan. Di tengah central role in maintaining market confidence, supporting economic
berbagai tantangan, industri perbankan tetap memainkan peran recovery, and strengthening the resilience of national financial
sentral dalam menjaga kepercayaan pasar, mendukung pemulihan system.
ekonomi, serta memperkuat daya tahan sistem keuangan nasional.
Kebijakan dan Strategi Keberlanjutan yang Policies and Sustainability Strategies Taken
Ditempuh Bank Victoria by Bank Victoria
Sebagai bentuk komitmen terhadap pembangunan berkelanjutan, As a form of commitment to sustainable development, Bank
Bank Victoria menyusun Rencana Aksi Keuangan Berkelanjutan Victoria has prepared the Sustainable Finance Action Plan (RAKB)
(RAKB) sebagai instrumen strategis dalam memastikan prinsip as a strategic instrument in ensuring that sustainability principles
keberlanjutan terintegrasi ke dalam seluruh aspek operasional dan are integrated into all aspects of operations and business of
bisnis Bank Victoria. Penyusunan RAKB tidak hanya mencerminkan Bank Victoria. The preparation of RAKB not only reflects compliance
kepatuhan terhadap regulasi, tetapi juga merupakan wujud with regulations, but also serves as a form of moral and social
tanggung jawab moral dan sosial dalam membangun sistem responsibility in establishing an inclusive, environmentally friendly,
keuangan yang inklusif, ramah lingkungan, dan berorientasi jangka and long-term oriented financial system. The Bank places internal
panjang. Bank menempatkan pengembangan kapasitas internal, capacity development, adjustments to internal policies and
penyesuaian kebijakan dan prosedur internal, serta penguatan lini procedures, and strengthening sustainable finance-based business
bisnis berbasis keuangan berkelanjutan sebagai fondasi utama lines as the main foundations for responsible and resilient growth.
pertumbuhan yang bertanggung jawab dan resilien.
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Pada tahun 2024, pelaksanaan RAKB difokuskan pada dua prioritas In 2024, the implementation of RAKB focused on two main
utama, yaitu penguatan kapasitas internal dan penyesuaian priorities, namely strengthening internal capacity and adjusting
peraturan internal, sebagai pijakan awal menuju transformasi internal regulations, as initial steps towards a comprehensive
keberlanjutan yang menyeluruh. Berbagai langkah konkret sustainability transformation. Various concrete steps were taken,
telah dilakukan, seperti pelatihan keuangan berkelanjutan such as sustainable finance training for internal trainers, improving
untuk pelatih internal (training for trainers), penyempurnaan operational policies and procedures, and mapping environmentally
kebijakan dan prosedur operasional, serta pemetaan produk dan friendly products and services. In line with this, the Bank also carries
layanan berwawasan lingkungan. Selaras dengan itu, Bank juga out corporate social responsibility (CSR) in health, education, and
melaksanakan tanggung jawab sosial perusahaan (CSR) di bidang society as part of an active contribution to community welfare and
kesehatan, pendidikan, dan kemasyarakatan sebagai bagian dari environmental preservation. The application of ethical business
kontribusi aktif terhadap kesejahteraan masyarakat dan pelestarian principles in every process is the main support in risk mitigation and
lingkungan. Penerapan prinsip etika bisnis dalam setiap proses long-term value creation for all stakeholders.
menjadi penopang utama dalam mitigasi risiko dan penciptaan nilai
jangka panjang bagi seluruh pemangku kepentingan.
Sejalan dengan perubahan perilaku nasabah yang kian mengarah In line with changes in customer behavior that are increasingly
pada preferensi digital, Bank Victoria juga terus memperkuat moving towards digital preferences, Bank Victoria also continues
strategi keberlanjutan melalui transformasi digital yang progresif to strengthen its sustainability strategy through progressive and
dan adaptif. Pengembangan teknologi informasi difokuskan pada adaptive digital transformation. The development of information
peningkatan kapabilitas layanan digital, termasuk penyempurnaan technology is focused on improving digital service capabilities,
internet dan mobile banking, penguatan infrastruktur keamanan including improving internet and mobile banking, strengthening
data, dan modernisasi sistem operasional seperti Single Sign-On, data security infrastructure, and modernizing operational systems
Data Loss Prevention, serta penggantian sistem call center dan such as Single Sign-On, Data Loss Prevention, and replacing
treasury. Inisiatif digital onboarding, kerja sama dengan kanal peer- call center and treasury systems. Digital onboarding initiatives,
to-peer lending, serta ekspansi penyaluran kredit melalui fintech, partnership with peer-to-peer lending channels, and expansion
BPR, dan koperasi menjadi bagian integral dari ekosistem digital of lending through fintech, BPR, and cooperatives are integral
Bank yang inklusif. Dengan strategi yang holistik dan berorientasi parts of the Bank’s inclusive digital ecosystem. With a holistic
masa depan, Bank Victoria berkomitmen untuk menjadikan and future-oriented strategy, Bank Victoria is committed to
keberlanjutan sebagai nilai inti yang melekat dalam proses bisnis, making sustainability a core value inherent in business processes,
tata kelola, serta inovasi teknologi keuangan. governance, and financial technology innovation.
Peranan Direksi dalam Perumusan dan Board of Directors’ Role in Formulation and
Implementasi Strategi Keberlanjutan Implementation of Sustainability Strategy
Direksi Bank Victoria memegang peranan sentral dalam Bank Victoria’s Board of Directors plays a central role in formulating
merumuskan dan mengimplementasikan strategi keberlanjutan and implementing a comprehensive and integrated sustainability
yang menyeluruh dan terintegrasi. Perumusan strategi tersebut strategy. The strategy formulation is carried out based on
dilakukan dengan berpedoman pada kesinambungan tujuan dan the sustainability of objectives and targets in RAKB prepared
target dalam RAKB yang disusun secara komprehensif. Dalam comprehensively. In implementing the strategy, the Board of
menjalankan strategi, Direksi senantiasa mempertimbangkan nilai- Directors always considers the company’s values, market dynamics,
nilai perusahaan, dinamika pasar, serta tantangan eksternal yang and external challenges that have the potential to affect business
berpotensi memengaruhi kinerja bisnis. Keputusan strategis yang performance. Strategic decisions made include determining
diambil mencakup penetapan arah jangka panjang, pengelolaan long-term directions, managing risks in a measurable manner,
risiko secara terukur, dan pengembangan inisiatif yang adaptif and developing adaptive initiatives to ensure the continuity of
untuk menjamin kesinambungan pertumbuhan dan pencapaian visi growth and achievement of the Bank’s vision in a sustainable
Bank secara berkelanjutan. manner.
Sebagai bagian dari tanggung jawab manajerial, Direksi memastikan As part of its managerial responsibility, the Board of Directors
agar seluruh unit kerja menjalankan strategi yang ditetapkan secara ensures that all work units implement the established strategy
efektif dan efisien. Pengawasan atas implementasi dilakukan secara effectively and efficiently. Supervision of implementation is carried
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berkelanjutan melalui rapat internal, rapat gabungan dengan out continuously through internal meetings, joint meetings with
Dewan Komisaris, serta koordinasi intensif dengan komite dan the Board of Commissioners, and intensive coordination with
unit kerja pendukung. Direksi juga menetapkan indikator kinerja committees and supporting work units. The Board of Directors
yang terukur dan transparan guna memfasilitasi proses evaluasi also sets measurable and transparent performance indicators to
yang objektif terhadap pencapaian target strategis. Di tengah facilitate an objective evaluation process for achieving strategic
kondisi pasar yang dinamis, Direksi berperan aktif dalam melakukan targets. In the midst of dynamic market conditions, the Board of
penyesuaian strategis secara tepat waktu agar Bank tetap tangguh, Directors plays an active role in making strategic adjustments
adaptif, dan relevan dalam menghadapi tantangan masa kini in a timely manner so that the Bank remains resilient, adaptive,
maupun masa depan. and relevant in facing current and future challenges.
Pencapaian Target dan Kinerja Bank Victoria Target Achievement and Performance of
Bank Victoria
Sepanjang tahun 2024, Bank Victoria berhasil mencatat Throughout 2024, Bank Victoria managed to record positive and
pertumbuhan kinerja keuangan yang positif dan berkelanjutan sustainable financial performance growth amidst the dynamics
di tengah dinamika ekonomi dan sektor perbankan domestik. of domestic economy and banking sector. The Bank’s total assets
Total aset Bank meningkat sebesar 4,80%, dari Rp29,62 triliun pada increased by 4.80%, from Rp29.62 trillion in 2023 to Rp31.05 trillion
tahun 2023 menjadi Rp31,05 triliun di tahun 2024, atau setara in 2024, or equivalent to 103.49% of the target set. This increase
dengan 103,49% dari target yang ditetapkan. Peningkatan ini reflected the effectiveness of expansion strategy and strengthening
mencerminkan efektivitas strategi ekspansi dan penguatan bisnis of the core business consistently implemented. On the other hand,
inti yang dijalankan secara konsisten. Di sisi lain, liabilitas juga liabilities also grew by 5.09% to Rp27.11 trillion, in line with the
mengalami pertumbuhan sebesar 5,09% menjadi Rp27,11 triliun, increase in third-party funds and optimization of a more adaptive
sejalan dengan peningkatan penghimpunan dana pihak ketiga dan funding structure to the direction of market interest rates.
optimalisasi struktur pendanaan yang lebih adaptif terhadap arah
suku bunga pasar.
Selaras dengan pertumbuhan aset, kinerja pendapatan Bank turut In line with asset growth, the Bank’s income performance
mengalami perkembangan yang dinamis. Pendapatan bunga yang also experienced dynamic development. Interest income,
mencatat pertumbuhan sebesar 13,06% menjadi Rp2,08 triliun, which recorded a growth of 13.06% to Rp2.08 trillion, reflected
mencerminkan peningkatan portofolio aset produktif, khususnya an increase in earning assets portfolio, particularly from lending.
dari kredit yang disalurkan. Namun demikian, peningkatan beban However, the increase in interest expense due to the upward
bunga akibat tren kenaikan suku bunga acuan selama tahun trend in benchmark interest rates in 2024 also put pressure on
2024 turut menekan margin bunga bersih. Hal ini tercermin the net interest margin. This was reflected in the decrease in net
dari penurunan pendapatan bunga bersih sebesar 5,21%, dari interest income by 5.21%, from Rp578.73 billion to Rp548.60 billion,
Rp578,73 miliar menjadi Rp548,60 miliar, atau setara dengan or equivalent to 102.90% of the target set. Nevertheless, the Bank
102,90% dari target yang ditetapkan. Meski demikian, Bank mampu was able to compensate for this pressure through an increase in
mengompensasi tekanan tersebut melalui peningkatan pendapatan other operating income that jumped by 44.35%, particularly from
operasional lainnya yang melonjak sebesar 44,35%, terutama dari service activities and the results of service digitalization synergies.
aktivitas jasa dan hasil sinergi digitalisasi layanan. Dengan demikian, Therefore, the net profit for the year increased significantly by
laba bersih tahun berjalan meningkat signifikan sebesar 15,76%, dari 15.76%, from Rp101.82 billion in 2023 to Rp117.86 billion in 2024,
Rp101,82 miliar pada 2023 menjadi Rp117,86 miliar di tahun 2024, reaching 111.54% of the net profit target set.
mencapai 111,54% dari target laba bersih yang telah ditetapkan.
Dari sisi intermediasi, Bank Victoria menunjukkan kinerja yang In terms of intermediation, Bank Victoria showed solid performance
solid dengan pertumbuhan kredit sebesar 10,37% menjadi Rp20,56 with loan growth of 10.37% to Rp20.56 trillion, or reaching 102.61%
triliun, atau mencapai 102,61% dari target yang ditetapkan. of the target set. This increase was supported by selective loan
Peningkatan ini didukung oleh strategi ekspansi kredit secara expansion strategy, development of digital lending channels, and
selektif, pengembangan kanal penyaluran kredit digital, serta kerja partnership with various financial partners. On the other hand, total
sama dengan berbagai mitra keuangan. Di sisi lain, total simpanan deposit from customers grew by 4.03% to Rp23.33 trillion, reflecting
44 PT Bank Victoria International Tbk | Laporan Tahunan dan Keberlanjutan 2024 Annual and Sustainability Report
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nasabah tumbuh 4,03% menjadi Rp23,33 triliun, mencerminkan the level of public trust that was maintained and the effectiveness
tingkat kepercayaan masyarakat yang tetap terjaga serta efektivitas of savings products offered by the Bank.
produk simpanan yang ditawarkan Bank.
Dalam mengejar pertumbuhan ekonomi yang sehat, Bank menaruh In pursuing sound economic growth, the Bank pays attention
perhatian pada pertumbuhan kegiatan usaha berkelanjutan to the growth of sustainable business activities engaged in
yang bergerak di bidang pencegahan dan pengendalian polusi, pollution prevention and control, management of natural
pengelolaan sumber daya alam hayati dan penggunaan lahan resources and sustainable land use, business activities and/or
yang berkelanjutan, kegiatan usaha dan/atau kegiatan lain yang other environmentally friendly activities, and MSME activities.
berwawasan lingkungan lainnya, serta kegiatan UMKM. Penyaluran The distribution of financing to four of the 12 categories of
pembiayaan kepada empat dari 12 kategori kegiatan usaha sustainable business activities reached 18.20% of the total lending,
berkelanjutan tersebut mencapai 18,20% dari total penyaluran grew by 6.69% from that of the previous year to Rp3.77 trillion.
kredit, tumbuh 6,69% dari tahun sebelumnya hingga menjadi The Bank is also actively implementing financial literacy and
Rp3,77 triliun. Bank pun aktif melaksanakan literasi dan inklusi inclusion to educational institutions in Jabodetabek area to improve
keuangan kepada lembaga pendidikan di area Jabodetabek untuk insight and ability to plan finances early.
meningkatkan wawasan dan kemampuan merencanakan keuangan
sejak dini.
Bank juga terus mengupayakan optimalisasi penggunaan sumber The Bank also strives to optimize the use of natural resources
daya alam dalam aktivitas operasional guna meminimalkan in its operational activities to minimize environmental impacts.
dampak lingkungan. Dari inisiatif ini, Bank dapat meningkatkan From this initiative, the Bank was able to increase energy
efisiensi penggunaan energi sebesar 0,00233 GJ/juta Rupiah efficiency by 0.00233 GJ/million Rupiah and water efficiency by
dan efisiensi penggunaan air sebesar 0,00054 m3/juta Rupiah. 0.00054 m3/million Rupiah. The intensity of emissions from energy
Intensitas emisi dari penggunaan energi pun berkurang sebesar use was also reduced by 0.00007 tonsCO2eq/million Rupiah.
0,00007 tonCO2eq/juta Rupiah. Seluruh capaian ini menjadi fondasi All of these achievements are an important foundation in driving
penting dalam mendorong pertumbuhan bisnis yang sehat, inklusif, sound, inclusive, and sustainable business growth amidst evolving
dan berkelanjutan di tengah kondisi pasar yang terus berevolusi. market conditions.
Komitmen Bank Victoria akan Penerapan Bank Victoria’s Commitment to
Keuangan Berkelanjutan Implementing Sustainable Finance
Bank Victoria menegaskan komitmennya dalam mengintegrasikan Bank Victoria affirms its commitment to integrating sustainable
prinsip keuangan berkelanjutan ke dalam seluruh aspek operasional finance principles into all operational and strategic aspects of
dan strategis Perseroan. Sepanjang tahun 2024, langkah tersebut the Company. Throughout 2024, these steps were realized through
diwujudkan melalui implementasi RAKB yang memprioritaskan the implementation of RAKB which prioritized internal capacity
pengembangan kapasitas internal dan penyesuaian peraturan development and adjustments to the Bank’s internal regulations.
internal Bank. Dalam pengembangan kapasitas internal, Bank In developing internal capacity, the Bank improves human capital
meningkatkan kompetensi sumber daya manusia melalui pelatihan competencies through training on sustainable finance and
mengenai keuangan berkelanjutan serta melakukan penyesuaian adjusting employees’ duty descriptions that are directly related to
uraian tugas karyawan yang berkaitan langsung dengan the implementation of these principles. This approach strengthens
implementasi prinsip-prinsip tersebut. Pendekatan ini memperkuat the foundation of all Bank personnel’s understanding and concern
fondasi pemahaman dan kepedulian seluruh insan Bank terhadap for sustainability, in line with the vision and mission that uphold
keberlanjutan, selaras dengan visi dan misi yang menjunjung tinggi the values of social and environmental responsibility.
nilai tanggung jawab sosial dan lingkungan.
Sementara itu, pada aspek regulasi internal, Bank Victoria Meanwhile, in terms of internal regulations, Bank Victoria
secara berkelanjutan menyusun dan memperbarui kebijakan continuously prepares and updates operational policies and
serta prosedur operasional, termasuk penyempurnaan kebijakan procedures, including improving risk management policies by
manajemen risiko dengan memasukkan dimensi risiko sosial including social and environmental risk dimensions as important
dan lingkungan hidup sebagai elemen penting dalam penilaian elements in risk assessment. This process is carried out through
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risiko. Proses ini dilaksanakan melalui sinergi antara Unit Sistem synergy between the System and Procedure Unit and various
dan Prosedur serta berbagai unit kerja terkait guna memastikan related work units to ensure that the resulting policies are
kebijakan yang dihasilkan relevan dan aplikatif. Dengan menjadikan relevant and applicable. By making RAKB a strategic guide,
RAKB sebagai panduan strategis, Bank Victoria berkomitmen Bank Victoria is committed to continuously improving sustainable
untuk terus meningkatkan kinerja keuangan yang berkelanjutan, financial performance, expanding positive impacts on society and
memperluas dampak positif terhadap masyarakat dan lingkungan, environment, and creating long-term value for all stakeholders
serta menciptakan nilai jangka panjang bagi seluruh pemangku consistently and responsibly.
kepentingan secara konsisten dan bertanggung jawab.
Penerapan Tata Kelola Perusahaan Implementation of Good Corporate
yang Baik Governance
Dalam menjalankan peran sebagai lembaga jasa keuangan In carrying out its role as a financial services institution
dan emiten yang tunduk pada prinsip-prinsip keterbukaan, and issuer that is subject to the principles of transparency,
Bank Victoria senantiasa menempatkan tata kelola perusahaan yang Bank Victoria always places Good Corporate Governance (GCG)
baik atau Good Corporate Governance (GCG) sebagai instrumen as an important instrument in strengthening business resilience
penting dalam memperkuat ketahanan dan daya saing bisnis. Bagi and competitiveness. For the Bank, GCG is not only a compliance
Bank, GCG bukan sekadar kewajiban kepatuhan, tetapi merupakan obligation, but also an integral part of managerial strategy that
bagian integral dari strategi manajerial yang mengarahkan setiap directs every business process to be carried out transparently,
proses bisnis untuk dijalankan secara transparan, akuntabel, dan accountably, and with a long-term orientation. GCG principles are
berorientasi jangka panjang. Prinsip-prinsip GCG secara aktif actively internalized into work processes of all personnel of the Bank,
diinternalisasi ke dalam proses kerja setiap insan Bank, sehingga so that its implementation is expected to build a work system that
penerapannya diharapkan mampu membangun sistem kerja yang is more responsive, has integrity, and is adaptive to risks and market
lebih tanggap, berintegritas, dan adaptif terhadap risiko serta opportunities that continue to develop, as a collective commitment
peluang pasar yang terus berkembang, sebagai komitmen kolektif in building a professional work culture.
dalam membangun budaya kerja yang profesional.
Sebagai bagian dari mekanisme penguatan tata kelola, manajemen As part of governance strengthening mechanism, the management
secara berkala melakukan penilaian mandiri (self-assessment) periodically conducts self-assessments of GCG implementation
terhadap penerapan GCG berdasarkan 11 aspek penilaian yang based on 11 assessment aspects that include governance structure,
mencakup struktur tata kelola, proses pengambilan keputusan, decision-making processes, and performance results obtained,
serta hasil-hasil kinerja yang didapatkan termasuk kinerja komite- including the performance of the Bank’s committees. In accordance
komite yang dimiliki Bank. Sesuai dengan perkembangan regulasi with the development of applicable regulations, the Bank has added
yang berlaku, Bank telah menambahkan 5 (lima) aspek tambahan 5 (five) additional aspects in implementing GCG self-assessment,
dalam pelaksanaan self-assessment GCG, sebagaimana diatur as stipulated in Financial Services Authority Regulation No. 17
dalam Peraturan Otoritas Jasa Keuangan No. 17 Tahun 2023. Aspek- of 2023. These additional aspects include remuneration aspect,
aspek tambahan tersebut meliputi aspek pemberian remunerasi, Shareholders aspect, anti-fraud strategy implementation,
aspek Pemegang Saham, penerapan strategi anti-fraud, penerapan sustainable finance implementation, and governance
keuangan berkelanjutan, serta penerapan tata kelola dalam implementation in business groups, including in terms of governance
kelompok usaha, baik dari sisi governance structure, governance structure, governance process, and governance outcome. The
process, dan governance outcome. Hasil evaluasi tersebut menjadi evaluation results serve as the basis for making adjustments and
pijakan dalam melakukan penyesuaian dan penyempurnaan improvements to the soft structure, such as internal policies, work
pada soft structure, seperti kebijakan internal, pedoman kerja, guidelines, and standard operating procedures (SOPs) to align with
serta standard operating procedure (SOP) agar selaras dengan best practices in banking industry. The management also continues
praktik terbaik di industri perbankan. Manajemen juga terus to prioritize strengthening the function of internal control and risk
mengedepankan penguatan fungsi pengendalian internal dan culture that are integrated into business processes, including in
budaya risiko yang terintegrasi dalam proses bisnis, termasuk strategic planning and preparing the Annual Work Plan and Budget
dalam perencanaan strategis dan penyusunan Rencana Kerja dan (RKAT). In such context, cross-unit communication is the key to
Anggaran Tahunan (RKAT). Dalam konteks tersebut, komunikasi ensuring that there is no overlapping policy, while strengthening
lintas unit menjadi kunci dalam memastikan tidak adanya tumpang the speed and accuracy of the Bank’s response in facing economic,
tindih kebijakan, sekaligus memperkuat kecepatan dan ketepatan social, and geopolitical dynamics that occur continuously.
respons Bank dalam menghadapi dinamika ekonomi, sosial, maupun
geopolitik yang terjadi secara berkelanjutan.
46 PT Bank Victoria International Tbk | Laporan Tahunan dan Keberlanjutan 2024 Annual and Sustainability Report
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Prospek Usaha Tahun 2025 Business Outlook for 2025
Memasuki tahun 2025, prospek usaha Bank Victoria dihadapkan Entering 2025, Bank Victoria’s business prospects are faced with
pada lanskap ekonomi global yang masih diselimuti ketidakpastian. a global economic landscape that is still shrouded in uncertainty.
Dana Moneter Internasional (IMF) memproyeksikan pertumbuhan The International Monetary Fund (IMF) projects global economic
ekonomi dunia sebesar 3,2%, sedikit terkoreksi dari estimasi growth of 3.2%, slightly corrected from the previous estimate, as the
sebelumnya, seiring meningkatnya tensi geopolitik global serta global geopolitical tensions increase and the trade protectionism
kebijakan proteksionisme perdagangan yang membayangi. policies loom. Amid these dynamics, Indonesia has shown its
Di tengah dinamika tersebut, Indonesia menunjukkan ketangguhan resilience with economic growth projections that remain solid in
dengan proyeksi pertumbuhan ekonomi yang tetap solid di kisaran the range of 5.0–5.2%, as conveyed by Bank Indonesia, the IMF,
5,0–5,2%, sebagaimana disampaikan oleh Bank Indonesia, IMF, the World Bank, and the Asian Development Bank (ADB). Supported
Bank Dunia, dan Asian Development Bank (ADB). Didukung oleh by adaptive fiscal and monetary policies, strengthening domestic
kebijakan fiskal dan moneter yang adaptif, penguatan konsumsi consumption, and investment recovery, Indonesia is predicted to
domestik, serta pemulihan investasi, Indonesia diprediksi mampu be able to maintain its macroeconomic stability and maintain the
menjaga stabilitas makroekonomi dan menjaga daya tahan sektor- resilience of strategic sectors, including banking.
sektor strategis, termasuk perbankan.
Sejalan dengan itu, prospek industri perbankan nasional tetap In line with that matter, the prospects for national banking
menunjukkan optimisme yang terukur, dengan mempertimbangkan industry continue to show measurable optimism, considering
potensi pertumbuhan kredit yang diproyeksikan meningkat the potential for loan growth projected to increase to 11–13% in
menjadi 11–13% pada tahun 2025. Dukungan regulasi dari Otoritas 2025. Regulatory support from the Financial Services Authority
Jasa Keuangan (OJK) turut memperkuat fondasi industri melalui (OJK) has also strengthened the industry’s foundation through
penerbitan berbagai kebijakan strategis, mulai dari penguatan the issuance of various strategic policies, ranging from strengthening
manajemen likuiditas dan permodalan, pengembangan inklusi liquidity and capital management, developing financial inclusion
keuangan melalui skema pembiayaan UMKM dan sektor prioritas, through MSME and priority sector financing schemes, to enforcing
hingga penegakan tata kelola melalui strategi anti-fraud dan governance through anti-fraud strategies and integrated financial
pelaporan keuangan yang terintegrasi. Tantangan struktural seperti reporting. Structural challenges such as the declining contribution
penurunan kontribusi ekspor manufaktur dan tren perlambatan of manufacturing exports and the slowing trend of household
konsumsi rumah tangga di kawasan Asia-Pasifik tetap menjadi consumption in Asia-Pacific region remain a concern, but
perhatian, namun potensi pertumbuhan domestik yang besar tetap the potential for large domestic growth remains the major strength
menjadi kekuatan utama yang dapat dimanfaatkan oleh industri that can be utilized progressively and sustainably by the banking
perbankan secara progresif dan berkelanjutan. industry.
Dalam konteks tersebut, Bank Victoria memandang tahun 2025 In this context, Bank Victoria views 2025 as an important momentum
sebagai momentum penting untuk memperkuat posisi kompetitif to strengthen its competitive position by further developing
melalui pengembangan lanjutan layanan digital, optimalisasi digital services, optimizing sound loan portfolio, and adjusting
portofolio kredit yang sehat, serta penyesuaian strategi bisnis business strategies that are responsive to market dynamics. The
yang responsif terhadap dinamika pasar. Manajemen juga akan management will also continue to monitor potential external risks,
terus mencermati potensi risiko eksternal, seperti volatilitas nilai such as exchange rate volatility, commodity price fluctuations,
tukar, fluktuasi harga komoditas, serta tekanan biaya dana (cost and cost of funds pressures, by strengthening allowances for
of fund), dengan memperkuat cadangan kerugian penurunan nilai impairment losses (CKPN) and prudent risk governance. Through
(CKPN) dan tata kelola risiko yang bijak. Melalui sinergi antara synergy between adaptive internal policies and compliance with
kebijakan internal yang adaptif dan kepatuhan terhadap kerangka the national regulatory framework, Bank Victoria is committed to
regulasi nasional, Bank Victoria berkomitmen untuk mendukung supporting inclusive economic growth, creating long-term value,
pertumbuhan ekonomi inklusif, menciptakan nilai jangka panjang, and being part of sustainable financial solutions amidst evolving
serta menjadi bagian dari solusi keuangan berkelanjutan di tengah global challenges.
tantangan global yang terus berkembang.
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Laporan Manajemen
Management Report
Perubahan Komposisi Anggota Direksi Changes in the Board of Directors’
Composition
Sepanjang tahun 2024, tidak terdapat perubahan terkait komposisi Throughout 2024, there were no changes to the composition of
anggota Direksi Bank Victoria. Adapun komposisi Direksi yang the Board of Directors of Bank Victoria. The current composition of
menjabat saat ini meliputi: the Board of Directors includes as follows:
Direktur Utama : Achmad Friscantono President Director : Achmad Friscantono
Wakil Direktur Utama : Rusli Deputy President Director : Rusli
Direktur Bisnis : Lembing Director of Business : Lembing
Direktur Keuangan : Debora Wahjutirto Tanoyo Director of Finance : Debora Wahjutirto Tanoyo
Direktur Kepatuhan dan : Tamunan Director of Compliance : Tamunan
Manajemen Risiko and Risk Management
Penutup Closing
Di penghujung laporan ini, Direksi menyampaikan apresiasi yang At the end of this report, the Board of Directors would like to
setinggi-tingginya kepada Dewan Komisaris atas arahan strategis express its highest appreciation to the Board of Commissioners
yang senantiasa memperkuat ketangguhan tata kelola; kepada for their strategic direction that continues to strengthen
seluruh insan Bank Victoria atas dedikasi dan profesionalisme governance resilience; to all Bank Victoria personnel for their
yang menjadi fondasi keberhasilan Perseroan; serta kepada para dedication and professionalism that serve as the foundation of
Pemegang Saham dan seluruh pemangku kepentingan atas the Company’s success; and to Shareholders and all stakeholders
kepercayaan, sinergi, dan dukungan yang tak ternilai. Menatap for their trust, synergy, and invaluable support. In facing the future,
masa depan, Direksi meyakini bahwa dengan komitmen yang teguh, the Board of Directors believes that with strong commitments, spirit
semangat transformasi yang berkelanjutan, serta visi yang terarah, of sustainable transformation, and focused vision, Bank Victoria will
Bank Victoria akan terus tumbuh menjadi institusi keuangan yang continue to grow into a relevant, resilient, and highly competitive
relevan, resilien, dan berdaya saing tinggi di tengah tantangan financial institution amidst the challenges of the times. Together,
zaman. Bersama, kita melangkah mantap menuju masa depan yang we move steadily towards a stronger, more sustainable, and
lebih kuat, berkelanjutan, dan bermakna bagi seluruh pihak yang more meaningful future for all parties who entrust their future to
mempercayakan masa depannya bersama Bank Victoria. Bank Victoria.
Atas nama Direksi
On behalf of the Board of Directors
PT Bank Victoria International Tbk,
ACHMAD FRISCANTONO
Direktur Utama
President Director
48 PT Bank Victoria International Tbk | Laporan Tahunan dan Keberlanjutan 2024 Annual and Sustainability Report
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Direksi
Board of Directors
2 1 5 4 3
1. ACHMAD FRISCANTONO 2. RUSLI 3. LEMBING
Direktur Utama Wakil Direktur Utama Direktur Bisnis
President Director Deputy President Director Director of Business
4. DEBORA WAHJUTIRTO TANOYO 5. TAMUNAN
Direktur Keuangan Direktur Kepatuhan dan Manajemen Risiko
Director of Finance Director of Compliance and Risk Management
Laporan Tahunan dan Keberlanjutan 2024 Annual and Sustainability Report | PT Bank Victoria International Tbk 49
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Tanggung Jawab Laporan Tahunan
dan Keberlanjutan
Annual and Sustainability Report Responsibility
Surat Pernyataan Anggota Dewan Komisaris tentang
Tanggung Jawab atas Laporan Tahunan dan Keberlanjutan 2024
PT Bank Victoria International Tbk
Statement of Members of the Board of Commissioners on
the Responsibility for the 2024 Annual and Sustainability Report of
PT Bank Victoria International Tbk
Kami, yang bertanda tangan di bawah ini, menyatakan bahwa We, the undersigned, hereby declare that all information in the
semua informasi dalam Laporan Tahunan dan Keberlanjutan Annual and Sustainability Report of PT Bank Victoria International Tbk
PT Bank Victoria International Tbk tahun 2024 telah dimuat for year 2024 has been fully contained and we shall be fully
secara lengkap dan bertanggung jawab penuh atas kebenaran isi responsible to the correctness of contents in the Annual and
Laporan Tahunan dan Keberlanjutan Bank. Sustainability Report of the Bank.
Demikian pernyataan ini dibuat dengan sebenarnya. This statement is hereby made in all truthfulness.
Jakarta, 16 April 2025
Dewan Komisaris
Board of Commissioners
ZAENAL ABIDIN Ph.D
Komisaris Utama Independen
Independent President Commissioner
GUNAWAN TENGGARAHARDJA SIA LENG HO
Komisaris Independen Komisaris
Independent Commissioner Commissioner
50 PT Bank Victoria International Tbk | Laporan Tahunan dan Keberlanjutan 2024 Annual and Sustainability Report
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Surat Pernyataan Anggota Direksi tentang
Tanggung Jawab atas Laporan Tahunan dan Keberlanjutan 2024
PT Bank Victoria International Tbk
Statement of Members of the Board of Directors on
the Responsibility for the 2024 Annual and Sustainability Report of
PT Bank Victoria International Tbk
Kami, yang bertanda tangan di bawah ini, menyatakan bahwa We, the undersigned, hereby declare that all information in the
semua informasi dalam Laporan Tahunan dan Keberlanjutan Annual and Sustainability Report of PT Bank Victoria International Tbk
PT Bank Victoria International Tbk tahun 2024 telah dimuat for year 2024 has been fully contained and we shall be fully
secara lengkap dan bertanggung jawab penuh atas kebenaran isi responsible to the correctness of contents in the Annual and
Laporan Tahunan dan Keberlanjutan Bank. Sustainability Report of the Bank.
Demikian pernyataan ini dibuat dengan sebenarnya. This statement is hereby made in all truthfulness.
Jakarta, 16 April 2025
Direksi
Board of Directors
ACHMAD FRISCANTONO RUSLI
Direktur Utama Wakil Direktur Utama
President Director Deputy President Director
LEMBING DEBORA WAHJUTIRTO TANOYO TAMUNAN
Direktur Bisnis Direktur Keuangan Direktur Kepatuhan dan Manajemen Risiko
Director of Business Director of Finance Director of Compliance and Risk Management
Laporan Tahunan dan Keberlanjutan 2024 Annual and Sustainability Report | PT Bank Victoria International Tbk 51
Page 54
Profil Perusahaan Company Profile 52 PT Bank Victoria International Tbk | Laporan Tahunan dan Keberlanjutan 2024 Annual and Sustainability Report
Page 55
Laporan Tahunan dan Keberlanjutan 2024 Annual and Sustainability Report | PT Bank Victoria International Tbk 53
Page 56
Profil Perusahaan
Company Profile
Identitas Perusahaan
Company Identity
Nama Perusahaan [POJK C.2] Bidang Usaha
Company Name Line of Business
Bank Umum
Commercial Bank
PT Bank Victoria International Tbk
Gedung Graha BIP Lantai 10
Graha BIP Building 10th Floor Kepemilikan Saham
Jl. Gatot Subroto Kav. 23 Share Ownership
Jakarta Selatan / South Jakarta 12930
36.42% 19.35%
(021) 5228 888
(021) 5228 777
corsec@victoriabank.co.id
www.victoriabank.co.id
Tanggal Pendirian
Date of Establishment 44.23%
28 Oktober 1992
28 October 1992 PT Victoria Investama Tbk
Masyarakat / Public <5%
: 44.23%
: 36.42%
Suzanna Tanojo : 19.35%
Dasar Hukum Pendirian
Legal Basis of Establishment
Dasar Hukum Perubahan Nama
Didirikan dengan nama PT Bank Victoria pada Legal Basis of Name Change
tanggal 28 Oktober 1992 berdasarkan Akta Notaris
Amrul Partomuan Pohan, SH, LLM No. 71 yang Menjadi PT Bank Victoria International
selanjutnya diadakan pembetulan dengan Akta berdasarkan Akta Pembetulan No. 30 tanggal
No. 30 tanggal 8 Juni 1993 dari notaris yang sama. 8 Juni 1993 yang dibuat di hadapan Notaris
Incorporated under the name PT Bank Victoria on Amrul Partomuan Pohan, SH, LLM.
28 October 1992 based on the Notary Deed No. 71 Became PT Bank Victoria International
by Amrul Partomuan Pohan, SH, LLM, which was based on Deed of Correction No. 30 dated
subsequently amended by Deed No. 30 dated 8 June 1993 made before Notary Amrul
8 June 1993 of the same notary. Partomuan Pohan, SH, LLM.
54 PT Bank Victoria International Tbk | Laporan Tahunan dan Keberlanjutan 2024 Annual and Sustainability Report
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Kode Saham Modal Dasar
Share Code Authorized Capital
BVIC Rp
4,100,000,000,000
Tanggal Pencatatan Saham Modal Ditempatkan dan
di Bursa Efek Indonesia Disetor Penuh
Share Listing Date in Subscribed and
Indonesia Stock Exchange Fully Paid-Up Capital
30 Juni 1999 Rp
1,584,853,290,600
30 June 1999
Media Sosial
Social Media
@bankvictoria Bank Victoria BankVictoriaID PT Bank Victoria International Tbk
Perubahan Organisasi yang
Bersifat Signifikan [POJK C.6]
Significant Changes in Organization
Sepanjang tahun 2024, tidak terdapat perubahan signifikan Throughout 2024, there were no significant changes that
yang terjadi pada Bank Victoria, baik terkait penutupan atau occurred at Bank Victoria, either related to closing or opening
pembukaan cabang baru, pembukaan atau penutupan unit new branch, opening or closing new business unit, or business
usaha baru, maupun penggabungan usaha. merger.
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Profil Perusahaan
Company Profile
Riwayat Singkat
Brief History
Didirikan di Jakarta dengan nama PT Bank Victoria pada
tanggal 28 Oktober 1992.
1992
Incorporated in Jakarta under the name PT Bank Victoria on
28 October 1992. • Memperoleh izin operasional sebagai Bank Devisa
berdasarkan Surat Kepala Departemen Perizinan
2016 dan Informasi Perbankan Otoritas Jasa Keuangan
No. S-423/PB.12/2016 pada tanggal 13 Desember 2016.
Memulai operasi sebagai Bank Umum secara komersial • Memberikan layanan transaksi dalam valuta asing
berdasarkan izin dari Menteri Keuangan Republik Indonesia yang meliputi transaksi pengiriman uang (remittance),
1994 pada tanggal 5 Oktober 1994. perdagangan international (trade finance), treasury serta
layanan interbank lainnya setelah menjadi Bank Devisa.
Started its operations as a Commercial Bank based on
• Melakukan Penambahan Modal Tanpa Hak Memesan Efek
the license from the Finance Minister of the Republic of Indonesia
Terlebih Dahulu (PMTHMETD) sebesar 9,00% oleh DEG
dated 5 October 1994.
(Deutsche Investitions-Und Entwicklungsgesellschaft
MbH).
• Obtained operational license as a Foreign Exchange
Memperoleh izin dari Bank Indonesia untuk beroperasi Bank based on the Letter of Banking Licensing and
sebagai Pedagang Valuta Asing pada tanggal 25 Mei 1997. Information Department Head of the Financial Services
1997
Obtained Foreign Exchange License from Bank Indonesia Authority No. S-423/PB.12/2016 dated 13 December 2016.
to operate as a Foreign Exchange Trader on 25 May 1997. • Providing transaction services in foreign currencies
which include remittance transactions, international
trade (trade finance), treasury, and other interbank
services after becoming a Foreign Exchange Bank.
Menjadi perusahaan publik dengan melakukan Penawaran
• Conducted Capital Addition Without Preemptive Rights
Umum Perdana Saham sejumlah 250.000.000 lembar saham
1999 dengan nilai nominal Rp100,- per saham dan sejumlah
(PMTHMETD) of 9.00% DEG (Deutsche Investitions-Und
Entwicklungsgesellschaft MbH).
80.000.000 Waran Seri I efektif pada tanggal 4 Juni 1999.
Became a publicly listed company by conducting an initial
public offering of 250,000,000 shares with a nominal value of
Rp100 per share and 80,000,000 Series I Warrants effectively Melakukan PUT V sejumlah 1.954.919.259 lembar saham
dengan nilai nominal dan harga yang ditawarkan sebesar
on 4 June 1999. 2011 Rp100,- per saham dan sejumlah 1.448.939.990 Waran Seri VI
pada 4 Juli 2011.
Conducted LPO V of 1,954,919,259 shares with both nominal
Melakukan penawaran umum terbatas (PUT) I sejumlah
value and offering price of Rp100 per share and 1,448,939,990
614.000.000 lembar saham dengan nilai nominal sebesar
2000 Rp100,- per saham dengan harga yang ditawarkan sebesar
Series VI Warrants on 4 July 2011.
Rp115,- per saham dan sejumlah 85.960.000 Waran Seri II
pada tanggal 28 September 2000.
Conducted a limited public offering (LPO) I of 614,000,000 Melakukan perubahan nama Entitas Anak Bank Victoria dari
PT Bank Swaguna menjadi PT Bank Victoria Syariah pada
shares with a nominal value of Rp100 per share and offering 2010 tanggal 19 Januari 2010.
price of Rp115 per share and 85,960,000 Series II Warrants on
28 September 2000. Changed the name of Bank Victoria’s Subsidiary from
PT Bank Swaguna to PT Bank Victoria Syariah on
19 January 2010.
Melakukan PUT II sejumlah 705.243.360 lembar saham
dengan nilai nominal dan harga yang ditawarkan sebesar
2003 Rp100,- per saham dan sejumlah 423.146.016 Waran Seri III Melakukan PUT IV sejumlah 1.167.498.560 lembar saham
pada tanggal 20 Maret 2003. dengan nilai nominal dan harga yang ditawarkan sebesar
2008 Rp100,- per saham dan sejumlah 630.449.220 Waran Seri V
Conducted LPO II of 705,243,360 shares with both nominal
value and offering price of Rp100 per share and 423,146,016 pada tanggal 11 Juli 2008.
Series III Warrants on 20 March 2003. Conducted LPO IV of 1,167,498,560 shares with both nominal
value and offering price of Rp100 per share and 630,449,220
Series V Warrants on 11 July 2008.
Melakukan PUT III sejumlah 670.363.760 lembar saham
dengan nilai nominal Rp100,- per saham dengan harga
2006 yang ditawarkan sebesar Rp115,- per saham dan sejumlah
469.277.676 Waran Seri IV pada tanggal 13 Juli 2006. Mengakuisisi PT Bank Swaguna sebagai Entitas Anak.
2007 Acquired PT Bank Swaguna as a Subsidiary.
Conducted LPO III of 670,363,760 shares with a nominal value
of Rp100 per share and offering price of Rp115 per share
and 469,277,676 Series IV Warrants on 13 July 2006.
56 PT Bank Victoria International Tbk | Laporan Tahunan dan Keberlanjutan 2024 Annual and Sustainability Report
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• Melakukan Penambahan Saham Hasil Exercise
2024
Memperluas jaringan kantor dengan membuka kantor
Waran Seri VII PT Bank Victoria lnternational Tbk
cabang utama di Semarang, Jawa Tengah, dan di Makassar, sejumlah 297.128 Waran.
2018 Sulawesi Selatan. • Melakukan Penawaran Umum Obligasi
Expanding the office network by opening main branch Subordinasi Berkelanjutan III Bank Victoria Tahap
offices in Semarang, Central Java, and in Makassar, I Tahun 2024 sebesar Rp500.000.000.000,-.
South Sulawesi.
• Melakukan Penawaran Umum Obligasi
Berkelanjutan III Bank Victoria Tahap II
• Melakukan Penambahan Modal Tanpa Hak Memesan Tahun 2024 sebesar Rp500.000.000.000,-.
Efek Terlebih Dahulu (PMTHMETD) sejumlah 280.898.877 • Melakukan relokasi Kantor Cabang Pembantu
2019 lembar saham oleh PT Victoria Investama Tbk dan (KCP) Senayan City ke KCP Hang Tuah.
PT Nata Patindo.
• Memperluas jaringan kantor dengan membuka kantor • Added Shares from Series VII Warrant Exercise
cabang utama di Solo, Jawa Tengah, dan Medan, of PT Bank Victoria International Tbk of
Sumatera Utara. 297,128 Warrants.
• Conducted Capital Without Preemptive Rights • Conducted Public Offering of Bank Victoria
(PMTHMETD) of 280,898,877 shares of PT Victoria
Investama Tbk and PT Nata Patindo. Continuous Subordinated Bonds III Phase I
• Expanded the office network by opening main branch Year 2024 amounting to Rp500,000,000,000.
offices in Solo, Central Java, and in Medan, North Sumatra. • Conducted Public Offering of Bank Victoria
Continuing Bonds III Phase II Year 2024
amounting to Rp500,000,000,000.
• Relocated Senayan City Sub-Branch Office
Melakukan digitalisasi pelayanan perbankan serta
pengoptimalan Internet Banking Mobile Banking (IBMB) dan (KCP) to Hang Tuah KCP.
2020 Victoria Internet Banking Bisnis (ViBiz) yang mempermudah
nasabah melakukan transaksi.
Digitized banking services and optimized Internet Banking
Mobile Banking (IBMB) and Victoria Internet Banking Bisnis
(ViBiz) to make transactions easier for customers. • Melakukan Penambahan Saham Hasil Exercise Waran
Seri VII PT Bank Victoria lnternational Tbk sejumlah
2023 1.064 Waran.
• Melakukan Penawaran Umum Obligasi Berkelanjutan
• PMTHMETD sejumlah 586.205.939 lembar saham oleh III Bank Victoria Tahap I Tahun 2023 sebesar
PT Victoria Investama Tbk, PT Victoria Insurance Tbk, Rp500.000.000.000,-.
2021 PT Victoria Alife Indonesia, PT Prolestari Megapersada,
• Added Shares from Series VII Warrant Exercise of
PT Regis Pratama Indonesia, dan PT Emperor Finance
PT Bank Victoria International Tbk of 1,064 Warrants.
Indonesia.
• Conducted Public Offering of Bank Victoria
• PMTHMETD sejumlah 948.979.590 lembar saham oleh
Continuous Bonds III Phase I of 2023 amounting to
PT Victoria Investama Tbk, PT Victoria Alife Indonesia,
Rp500,000,000,000.
PT Victoria Insurance Tbk, PT Victoria Sekuritas
Indonesia, PT Regis Pratama Indonesia, PT Tridaya
Investindo, PT Emperor Finance Indonesia,
dan PT Bhuwanatala Indah Permai Tbk. • Melaksanakan peresmian sebagai Bank Persepsi.
• PMTHMETD of 586,205,939 shares by PT Victoria • Melakukan PMHMETD sejumlah 2.553.461.919 lembar
2022 saham.
Investama Tbk, PT Victoria Insurance Tbk, PT Victoria
Alife Indonesia, PT Prolestari Megapersada, PT Regis • Melakukan PMHMETD sejumlah 2.807.640.227 lembar
Pratama Indonesia, and PT Emperor Finance Indonesia. saham.
• PMTHMETD of 948,979,590 shares by PT Victoria • Bank Victoria melakukan divestasi sebanyak 80% saham
Investama Tbk, PT Victoria Alife Indonesia, PT Victoria milik Bank di Bank Victoria Syariah kepada PT Victoria
Insurance Tbk, PT Victoria Sekuritas Indonesia, Investama Tbk.
PT Regis Pratama Indonesia, PT Tridaya Investindo, • Carried out inauguration as Perception Bank.
PT Emperor Finance Indonesia, and PT Bhuwanatala • Conducted PMHMETD of 2,553,461,919 shares.
Indah Permai Tbk. • Conducted PMHMETD of 2,807,640,227 shares.
• Bank Victoria divested 80% of the Bank’s shares in
Bank Victoria Syariah to PT Victoria Investama Tbk.
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Profil Perusahaan
Company Profile
Visi dan Misi Perusahaan [POJK C.1]
Company’s Vision and Mission
Pernyataan Persetujuan Atas
Visi dan Misi Perusahaan VISI Vision
Statement of Approval of the
Company’s Vision and Mission
Menjadi Bank pilihan Nasabah, dipercaya, sehat, efisien,
dan mendukung pertumbuhan berkelanjutan.
Visi dan Misi Perusahaan telah mendapatkan To become Customers’ preferred Bank that is trusted, sound,
pengesahan dari Dewan Komisaris dan efficient, and supporting sustainable growth.
Direksi melalui Surat Keputusan Direksi
No. 004/SK-DIR/11/24 tanggal 13 November
2024 tentang Visi dan Misi Bank.
The Company’s Vision and Mission have been
approved by the Board of Commissioners
and Board of Directors through the Board of
Directors’ Decision Letter No. 004/SK-DIR/11/24
dated 13 November 2024 on the Bank’s Vision
and Mission.
MISI Mission
Customers People Operations
Memenuhi kebutuhan, membina hubungan Mengembangkan sumber daya manusia yang Menjalankan operasional yang mudah, cepat,
baik, serta memberi layanan terbaik kepada berintegritas, profesional, dan berdedikasi. dan handal dengan mengikuti ketentuan
nasabah. yang berlaku.
Fulfilling needs, developing good Developing human resources with integrity, Conducting easy, fast, and reliable operations
relationship, and providing the best services professionalism, and dedication. by following the applicable regulations.
for the customers.
Governance, Risk, and Compliance Digitalisasi / Digitalization
Menerapkan tata kelola bank dan manajemen risiko yang baik secara Melaksanakan transformasi digital untuk inovasi layanan prima dan
konsisten dengan memperhatikan prinsip kehatian-hatian. meningkatkan daya saing.
Implementing good bank governance and risk management consistently Carrying out digital transformation for innovation in prime services and
with due observance of the principle of prudence. increasing competitiveness.
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Pilihan Nasabah Dipercaya Sehat dan Efisien Mendukung Pertumbuhan
Berkelanjutan
Customers’ Preferred Trustworthy Sound and Efficient Support Sustainable Growth
Bank Victoria dikenal, dipercaya, Bank Victoria berkomitmen Bank Victoria mempunyai Bank Victoria senantiasa
serta menjadi pilihan Nasabah menjadi bank yang bisa struktur modal yang kuat, memperhatikan pertumbuhan
untuk memenuhi kebutuhan memberikan rasa aman dan kondisi keuangan yang yang mengedepankan aspek
Nasabah dalam mendapatkan kepastian bagi para Nasabah, sehat, serta didukung oleh manusia (people), lingkungan
produk dan layanan perbankan. karyawan, Pemegang Saham, operasional perbankan yang (planet), dan nilai bagi pemangku
dan stakeholders lainnya. efisien. kepentingan (profit).
Bank Victoria is recognized, Bank Victoria is committed Bank Victoria has strong Bank Victoria always pays
trusted, and preferred by to being the Bank that can capital structure, sound attention to growth that
Customers to fulfill their needs provide security and certainty financial condition, and is prioritize aspects of people,
in obtaining banking products to the Customers, human supported by efficient banking environment (planet), and value
and services. capital, Shareholders, and operation. for stakeholders (profit).
other stakeholders.
Tinjauan Ulang dan Persetujuan Atas Visi dan Misi Perusahaan oleh Dewan Komisaris dan Direksi
Review and Approval of the Company’s Vision and Mission by the Board of Commissioners and
Board of Directors
Dewan Komisaris dan Direksi senantiasa melakukan tinjauan ulang atas The Board of Commissioners and Board of Directors continuously
Visi dan Misi yang telah ditetapkan oleh Bank. Tinjauan ulang tersebut review Vision and Mission that have been set by the Bank. The review is
dilakukan untuk memastikan Visi dan Misi Bank masih relevan dengan conducted to ensure that the Bank’s Vision and Mission are still relevant
perkembangan bisnis, kebutuhan pemangku kepentingan serta arah to business developments, stakeholder needs, and competition direction
persaingan antar pelaku usaha jasa keuangan. Dewan Komisaris dan among financial service business players. The Board of Commissioners and
Direksi Bank menilai bahwa Visi dan Misi Bank saat ini telah sesuai dengan Board of Directors of the Bank consider that the current Bank Vision
perubahan kondisi lingkungan eksternal maupun internal dan masih relevan and Mission are in accordance with changes in external and internal
di tahun 2024. environmental conditions and are still relevant in 2024.
Nilai Budaya Perusahaan
Corporate Cultural Values
S Q E W
Safe Quick Easy Warm
Relasi yang Solusi dan Mudah dalam Melayani
Aman dan Inovasi yang Transaksi dan dengan Peduli,
Handal Cepat, Tepat, Kolaborasi Ramah, dan
Terukur Asertif
Safe and Fast, Precise, Easy Serving with
Reliable Measurable Transaction and Care, Friendly,
Relationships Solutions and Collaboration and Assertive
Innovation
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Profil Perusahaan
Company Profile
Kegiatan Usaha [POJK C.4]
Line of Business
Berdasarkan Pasal 3 Anggaran Dasar Bank sebagaimana yang Based on Article 3 of the Bank’s Articles of Association as stated
termaktub dalam Akta No. 26 tanggal 14 Juni 2024, Bank Victoria in Deed No. 26 dated 14 June 2024, Bank Victoria was established
didirikan dengan maksud dan tujuan untuk menjalankan kegiatan with the intent and purpose of conducting business activities in
usaha di bank umum konvensional sesuai dengan ketentuan conventional commercial bank in line with the applicable provisions
peraturan perundang-undangan yang berlaku. of laws and regulations.
Kegiatan Usaha Berdasarkan Anggaran Dasar yang Dijalankan pada Tahun 2024
Business Activities Run in 2024 Based on Articles of Association
Kegiatan Usaha Utama
Main Business Activities
• Menghimpun dana dari masyarakat dalam bentuk simpanan giro, deposito • Collect funds from the society in the form of current accounts, time deposits,
berjangka, sertifikat deposito, tabungan, dan/atau bentuk lainnya yang certificates of deposit, savings, and/or other forms equivalent;
dipersamakan dengan itu;
• Memberikan kredit; • Provide credits;
• Menerbitkan surat pengakuan utang; • Issue debt certificates;
• Membeli, menjual, atau menjamin atas risiko sendiri maupun untuk kepentingan • Buy, sell, or guarantee on own risk and for the interest and upon the order of its
dan atas perintah nasabahnya: customers:
a. Surat-surat wesel, termasuk wesel yang diakseptasi oleh Bank yang masa a. Money orders, including accredited money orders by the Bank in which the
berlakunya tidak lebih lama dari kebiasaan dalam perdagangan surat-surat validity period is not longer than the custom of the trade of the said papers;
dimaksud;
b. Surat pengakuan utang dan kertas dagang lainnya yang masa berlakunya b. Debt certificates and other trade papers in which the validity period is not
tidak lebih lama dari kebiasaan dalam perdagangan surat-surat dimaksud; longer than the custom of the trade of the said papers;
c. Kertas perbendaharaan negara dan surat jaminan pemerintah; c. State treasury bills and government guarantee letter;
d. Sertifikat Bank Indonesia (SBI); d. Bank Indonesia Certificates (SBI);
e. Obligasi; e. Bonds;
f. Surat dagang berjangka waktu sampai dengan 1 (satu) tahun; dan f. Commercial papers with validity period of up to 1 (one) year; and
g. Instrumen surat berharga lain yang berjangka waktu sampai dengan 1 (satu) g. Other securities instruments with validity period of up to 1 (one) year;
tahun;
• Memindahkan uang, baik untuk kepentingan sendiri maupun untuk kepentingan • Transfer of money, both for own interest and for the customers’ interest;
nasabah;
• Menempatkan dana pada, meminjam dana dari, atau meminjamkan dana kepada • Place funds in, borrow funds from, or lend funds to other banks, either by mail,
bank lain, baik dengan menggunakan surat, sarana telekomunikasi maupun telecommunication means, or by sight draft, check, or other means;
dengan wesel unjuk, cek, atau sarana lainnya;
• Menerima pembayaran dari tagihan atas surat berharga dan melakukan • Receive payments from claims on securities and perform calculations with or
perhitungan dengan atau antara pihak ketiga; between third parties;
• Melakukan penempatan dana dari nasabah kepada nasabah lainnya dalam • Perform placement of funds from a customer to another customer in the form of
bentuk surat berharga yang tercatat di bursa efek; securities listed in stock exchange;
• Melakukan kegiatan dalam valuta asing dengan memenuhi ketentuan yang • Perform activities in foreign currencies by meeting the provisions stipulated by
ditetapkan oleh Bank Indonesia; Bank Indonesia;
• Menyediakan pembiayaan dan/atau melakukan kegiatan lain berdasarkan prinsip • Provide financing and/or perform other activities based on sharia principles, in
syariah, sesuai dengan ketentuan yang ditetapkan oleh Bank Indonesia; serta accordance with the provisions stipulated by Bank Indonesia; and
• Melakukan kegiatan yang berkaitan dengan penyediaan jasa pembayaran • Perform activities related to provision of payment service to end users of
kepada pengguna akhir (end user) jasa layanan sistem pembayaran (SP) pada payment system (SP) services on the front end which includes activities such
sisi front end yang mencakup aktivitas antara lain menampilkan informasi as displaying source of funds information, initiating transaction/acquiring
sumber dana, menginisiasi transaksi/acquiring (dompet elektronik, acquirer, (electronic wallet, acquirer, and payment gateway), issuing payment instrument/
dan payment gateway), menerbitkan instrumen/akun pembayaran, dan layanan account, and remittance/fund transaction services.
remintansi/transaksi dana.
Kegiatan Usaha Penunjang
Supporting Business Activities
• Menyediakan tempat untuk menyimpan barang dan surat berharga; • Provide place for storing valuables and securities;
• Melakukan kegiatan penitipan untuk kepentingan pihak lain berdasarkan suatu • Conduct custodial activities for the benefits of others under a contract;
kontrak;
• Melakukan kegiatan anjak piutang, usaha kartu kredit, dan kegiatan wali amanat; • Perform factoring activities, credit card business, and trustee activities;
• Bertindak sebagai pendiri dana pensiun dan pengurus dana pensiun sesuai • Act as the pension fund founder and pension fund manager in accordance with
dengan ketentuan dalam peraturan perundang-undangan dana pensiun yang the provisions of the applicable pension fund laws and regulations;
berlaku;
• Melakukan kegiatan penyertaan modal pada bank atau perusahaan lain • Conduct equity participation in a bank or other company in the field of finance,
di bidang keuangan, sewa guna usaha, perusahaan modal ventura, perusahaan leasing companies, venture capital firms, securities companies, insurance
efek, asuransi, lembaga kliring penyelesaian dan penyimpanan dengan companies, clearing and settlement institutions in compliance with the
memenuhi ketentuan yang ditetapkan oleh Bank Indonesia; provisions stipulated by Bank Indonesia;
• Melakukan kegiatan penyertaan modal sementara untuk mengatasi akibat • Conduct temporary equity participation to overcome the consequences of
kegagalan kredit atau kegagalan pembiayaan berdasarkan prinsip syariah, credit failure or financing failure based on sharia principles, subject to withdrawal
dengan syarat harus menarik kembali penyertaannya dengan memenuhi of statements by fulfilling the provisions stipulated by Bank Indonesia; and
ketentuan yang ditetapkan oleh Bank Indonesia; serta
• Melakukan kegiatan lain yang lazim dilakukan oleh bank sepanjang • Conduct other activities commonly carried out by banks as long as they are not
tidak bertentangan dengan undang-undang perbankan dan peraturan contradictory with banking laws and the applicable laws and regulations.
perundang-undangan yang berlaku.
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Produk dan Jasa [POJK C.4]
Products and Services
Dalam menjalankan kegiatan usaha perbankan, Bank Victoria In carrying out banking business activities, Bank Victoria has
memiliki line up produk dan layanan yang lengkap untuk memenuhi a complete line up of products and services to meet the needs
kebutuhan transaksi perbankan dan keuangan nasabah. Bank juga of customers’ banking and financial transactions. The Bank also
terus berinovasi untuk menawarkan produk dan layanan yang sesuai continuously innovates to offer products and services that are
dengan kebutuhan nasabah dan tren industri perbankan saat ini. in line with customer needs and current banking industry trends.
Pada tahun 2024, produk dan layanan jasa Bank Victoria, antara lain: In 2024, Bank Victoria’s products and services included:
Jenis Produk/Layanan
Uraian
Type of Products/
Description
Services
Produk Simpanan Tabungan Savings
Savings Products • Tabungan Victoria • Victoria Savings
• Tabungan VIP Safe • VIP Safe Savings
• Tabungan Victoria Junior • Victoria Junior Savings
• Tabungan Victoria Bisnis • Victoria Business Savings
• TabunganKu • TabunganKu
• Tabungan Victoria Maxima • Victoria Maxima Savings
• Tabungan Victoria EduSave • Victoria EduSave Savings
• Tabungan VIP Safe Digital • VIP Safe Digital Savings
Giro Demand Deposit
• Giro Rupiah dan Giro Valas • Rupiah Current Account and Foreign Current Account
• VIP Giro Rupiah dan VIP Giro Valas • VIP Rupiah Current Account and VIP Foreign Current Account
Deposito Time Deposits
• Deposito Rupiah • Rupiah Time Deposits
• Deposito USD • USD Time Deposits
• Deposito Online • Online Deposits
Produk Pinjaman Kredit Produktif Productive Loans
Loan Products • Corporate Lending • Corporate Lending
• Commercial Lending • Commercial Lending
• Small Medium Enterprise Lending • Small Medium Enterprise Lending
• Multi Finance Lending • Multi Finance Lending
• Bank Garansi • Bank Guarantee
• Surat Kredit Berdokumen Dalam Negeri (SKBDN) • Domestic Letter of Credit (SKBDN)
• L/C (Letter of Credit) • L/C (Letter of Credit)
Kredit Konsumtif Consumptive Loans
• Kredit Pemilikan Rumah • Home Ownership Loan
• Kredit Pemilikan Mobil • Car Ownership Loan
• Kredit Multi Guna • Multi-Purpose Loan
• Kredit Implant Banking • Implant Banking Loan
Jasa Layanan Lainnya • Kliring/Warkat Debit • Clearing/Debit Draft
Other Services • Transfer (SKNBI, BI-FAST, BI-RTGS) • Transfer (SKNBI, BI-FAST, BI-RTGS)
• Pembayaran Tagihan • Billing Payment (PLN, Telkom, PDAM, BPJS)
(PLN, Telkom, PDAM, BPJS)
• Kartu ATM • ATM Card
• Auto Save • Auto Save
• Auto Debet • Auto Debet
• Internet Banking dan Mobile Banking Victoria • Victoria Internet Banking and Mobile Banking
• Layanan Penerimaan Negara (Pajak) • State Revenue Service (Tax)
• Jual Beli Bank Notes • Sale and Purchase of Bank Notes
Layanan Bank Devisa • Transaksi Kiriman Uang (Remittance) • Remittance
Foreign Exchange |Bank • Perdagangan Internasional • International Trade Finance
Services • Treasury dan Layanan Interbank Lainnya • Treasury and Other Interbank Services
Produk Investasi • Surat Berharga Negara (SBN) • Government Bonds (SBN)
Investment Products • Reksa Dana • Mutual Funds
• Bancassurance • Bancassurance
“Informasi lengkap terkait produk dan layanan Bank Victoria dapat diakses melalui situs web Bank yang beralamat di www.victoriabank.co.id.”
“Complete information regarding Bank Victoria products and services can be accessed through the Bank’s website at www.victoriabank.co.id.”
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Profil Perusahaan
Company Profile
Wilayah Operasional [POJK C.3]
Operational Areas
Medan
Jakarta
Bandung
Semarang
Kantor Pusat
1 Head Office
Surabaya
Kantor Cabang Utama Bogor
14 Main Branch Offices
Solo
Bali
Kantor Cabang Pembantu
24 Sub-Branch Offices
Bank Victoria memiliki jaringan distribusi dan pemasaran yang Bank Victoria has distribution and marketing networks spread
tersebar di 10 (sepuluh) Kota Besar di Indonesia sehingga mudah across 10 (ten) Major Cities in Indonesia, making it easily accessible
dijangkau guna mendukung penjualan produk yang unggul dan to support the sales of excellent products and reliable banking
layanan perbankan yang andal. Jaringan kantor Bank Victoria pada services. Bank Victoria’s office network in the past 3 (three) years is
3 (tiga) tahun terakhir diuraikan sebagai berikut: described as follows:
Jaringan Kantor
Office Network
Kantor 2024 2023 2022 Office
Kantor Pusat 1 1 1 Head Office
Kantor Cabang Utama 14 14 14 Main Branch Office
Kantor Cabang Pembantu 24 24 24 Sub-Branch Office
Jaringan Kantor Lain Other Office Network
- - -
(Kantor Kas, Payment Point, dan Lainnya) (Cash Office, Payment Point, and Others)
Total 39 39 39 Total
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Manado
Makassar
Jaringan Kantor per Wilayah Tahun 2024
Office Network by Region in 2024
Kantor Cabang Kantor Cabang
Utama Pembantu
Wilayah Total Area
Main Branch Sub-Branch
Offices Offices
Jakarta Timur - - - East Jakarta
Jakarta Selatan 2 5 7 South Jakarta
Jakarta Utara 1 4 5 North Jakarta
Jakarta Barat - 9 9 West Jakarta
Jakarta Pusat 2 4 6 Central Jakarta
Bekasi, Cibubur, dan sekitarnya - - - Bekasi, Cibubur, and the surrounding
Tangerang dan sekitarnya - 2 2 Tangerang and the surrounding
Luar Kota 9 - 9 Out-of-Town
Total 14 24 38 Total
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Profil Perusahaan
Company Profile
Alamat Kantor Pusat, Kantor Cabang Utama,
dan Kantor Cabang Pembantu Bank Victoria
Address of Head Office, Main Branch Offices, and Sub-Branch Offices of
Bank Victoria
Kantor Pusat
Head Office
PT Bank Victoria International Tbk
Gedung Graha BIP Lantai 10 : (021) 5228 888
Graha BIP Building 10th Floor : (021) 5228 777
Jl. Gatot Subroto Kav. 23 : corsec@victoriabank.co.id
Jakarta Selatan / South Jakarta 12930 : www.victoriabank.co.id
Kantor Cabang Utama
Main Branch Offices
KCU BIP KCU Bali KCU Bandung KCU Bogor
Gedung Graha BIP Lantai Dasar Jl. Raya Imam Bonjol No. 117 Jl. Braga No. 16 Jl. Pakuan No. 8
Jl. Gatot Subroto Kav. 23 Dusun BR. Tenten Kel. Braga, Kec. Sumur Bandung Kel. Baranangsiang, Kec. Bogor Timur
Jakarta Selatan / Bali 80114 Bandung, Jawa Barat / Bogor, Jawa Barat / West Java 16143
South Jakarta 12930 T : (0361) 8451 000 West Java 40111 T : (0251) 8343 800 (Hunting)
T : (021) 5258 208 F : (0361) 8451 010 T : (022) 4266 846 (0251) 8343 804
F : (021) 5258 028 F : (022) 4266 845 (0251) 8343 806
(0251) 8343 805 (Direct)
F : (0251) 8343 807
KCU Cideng KCU Fatmawati KCU Kelapa Gading KCU Makassar
Jl. Cideng Timur No. 33 Jl. RS Fatmawati No. 85A Jl. Taman Mandiri I No. 8 Kav. A1-B1 Ruko Poros Boulevard/Ruko Emerald
Kel. Petojo Utara, Kec. Gambir Cipete Utara, Kebayoran Baru Kelapa Gading Timur No. 16
Jakarta Pusat / Jakarta Selatan / Jakarta Utara / North Jakarta 14240 Jl. Boulevard Masale
Central Jakarta 10130 South Jakarta 12150 T : (021) 4514 012 Kel. Masale, Kec. Panakukang
T : (021) 6338 913 T : (021) 7201 496 F : (021) 4514 013 Makassar, Sulawesi Selatan /
F : (021) 6338 914 F : (021) 7201 497 South Sulawesi 90231
T : (0411) 4093 171
F : (0411) 4093 262
KCU Manado KCU Medan KCU Semarang KCU Senayan
Jl. Walter Monginsidi Komplek Jl. Zainal Arifin No. 53C Jl. MT Haryono 864-866 Gedung Bank Panin Senayan
Ruko Bahu Mall Kel. Madras Hulu Kel. Peterongan Lantai Dasar
Blok E No. 5 Kec. Medan Polonia Kec. Semarang Selatan Jl. Jenderal Sudirman No. 1
Kel. Bahu, Kec. Malalayang Medan, Sumatera Utara / Jawa Tengah / Central Java 50242 Kel. Gelora, Jakarta Selatan /
Manado, Sulawesi Utara / North Sumatera 20153 T : (024) 3531 8038 South Jakarta 12710
North Sulawesi 95115 T : (061) 8051 0979 F : (024) 3531 8039 T : (021) 5735 425
T : (0431) 831 431 F : (061) 4576 274 F : (021) 5735 429
F : (0431) 831 427
KCU Solo KCU Surabaya
Jl. Slamet Riyadi No. 332D Jl. Raya Darmo No. 173
Kel. Purwosari, Kec. Laweyan Kel. Darmo, Kec. Wonokromo
Surakarta Jawa Tengah / Central Java 57141 Surabaya 60241
T : (0271) 6011 005 T : (031) 5670 778 (Hunting)
F : (0271) 6011 006 F : (031) 5670 775
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Kantor Cabang Pembantu
Sub-Branch Offices
KCP BSD KCP Central Park KCP Citra Dua KCP Duta Mas
Bumi Serpong Damai Sektor IV Garden Shopping Arcade B/08/BG Rukan Citra Niaga Blok A/5 Komplek Perumahan Taman Duta Mas
Blok RE No. 52 Jl. Tanjung Duren Raya Kav. 5-9 Kel. Pegadungan, Kec. Kalideres Blok D8 No. 12
Kel. Lengkong Wetan, Kec. Serpong Tanjung Duren, Jakarta Barat / Jakarta Barat / West Jakarta11830 Kel. Wijaya Kusuma, Kec. Grogol
Tangerang 15318 West Jakarta 11470 T : (021) 5437 6656 Petamburan
T : (021) 5315 2783 T : (021) 2920 6257 F : (021) 5437 6695 Jakarta Barat / West Jakarta 11460
F : (021) 5315 2785 F : (021) 2920 6258 T : (021) 5697 9990
F : (021) 5697 9996
KCP Duta Merlin KCP Gading Serpong KCP Grand Wijaya KCP Green Garden
Komplek Pertokoan Duta Merlin Ruko Rodeo Drive Blok B No. 6 Komplek Grand Wijaya Blok C No. 10 Komplek Green Garden Blok A 14 No. 28
Blok A No. 10 Jl. Boulevard Gading Serpong Jl. Wijaya II Jl. Panjang Kedoya Utara
Jl. Gajah Mada No. 3-5 Kel. Pakulonan Barat Kel. Pulo, Kec. Kebayoran Baru Kel. Kedoya Utara, Kec. Kebon Jeruk
Kel. Petojo Utara, Kec. Gambir Kec. Kelapa Dua Jakarta Selatan / South Jakarta 12160 Jakarta Barat / West Jakarta 11520
Jakarta Pusat / Central Jakarta 10160 Tangerang 15333 T : (021) 7200 009 T : (021) 5835 6803
T : (021) 6386 5970 T : (021) 5421 7245 F : (021) 7202 878 F : (021) 5835 6844
F : (021) 6386 5971 F : (021) 5421 7247
KCP Kebon Jeruk KCP Kelapa Gading Boulevard KCP Kemang KCP Mandala Tomang
Komplek Pertokoan Intercon Komplek Ruko Kelapa Gading Jl. Kemang Raya No. 82 C Lobby Gedung Mandala Airlines
Blok B No. 4-5 Blok LC-6 No. 14 Kel. Bangka, Kec. Mampang Prapatan Jl. Tomang Raya No. 33-37
Jl. Meruya Ilir Raya Jl. Raya Boulevard Barat Jakarta Selatan / Kel. Tomang, Kec. Grogol Petamburan
Kel. Srengseng, Kec. Kembangan Kel. Kelapa Gading Barat South Jakarta 12730 Jakarta Barat / West Jakarta 11440
Jakarta Barat / West Jakarta 11620 Kec. Kelapa Gading T : (021) 7193 521 T : (021) 5697 2227
T : (021) 5874 427 Jakarta Utara / North Jakarta 14240 F : (021) 7193 721 F : (021) 5697 2237
F : (021) 5842 379 T : (021) 4507 672
F : (021) 4528 854
KCP Muara Karang 2 KCP Pantai Indah Kapuk KCP Patal Senayan KCP Pecenongan
Jl. Pluit Karang Utara No. 46 Bukit Golf Mediterania Blok B/18 Rukan Permata Senayan Blok B No. 6 Jl. Pecenongan Raya No. 26
Blok I1 Selatan Kav. 48 Pantai Indah Kapuk Jl. Tentara Pelajar Kel. Kebon Kelapa, Kec. Gambir
Penjaringan Kel. Kamal Muara, Kec. Penjaringan Kel. Grogol Utara Jakarta Pusat / Central Jakarta 10120
Jakarta Utara / North Jakarta 14450 Jakarta Utara / North Jakarta 14460 Kec. Kebayoran Lama T : (021) 386 5627
T : (021) 6604 144 T : (021) 5694 5973 Jakarta Selatan / South Jakarta 12210 F : (021) 386 5637
F : (021) 6604 116 F : (021) 5694 5974 T : (021) 5794 0668
F : (021) 5794 0667
KCP Pondok Indah KCP Puri Indah KCP Hangtuah KCP Sunter
Plaza Pondok Indah Blok II Komplek Puri Indah Blok A No. 3 Jl. Hang Tuah Raya No.4 Lantai 2 Komplek Rukan Sunter Permai Blok A-9
Blok UPS No. 51 Jl. Puri Indah Raya Kel. Gunung, Kec. Kebayoran Baru Jl. Danau Sunter Utara
Jl. Metro Pondok Indah Kel. Kembangan Selatan Jakarta Selatan / South Jakarta 12120 Kel. Sunter Agung, Kec. Tanjung Priok
Kel. Pondok Pinang, Kec. Kembangan T : (021) 2904 4280 Jakarta Utara / North Jakarta 14350
Kec. Kebayoran Lama Jakarta Barat / West Jakarta 11610 F : (021) 2904 4281 T : (021) 6530 7347
Jakarta Selatan / T : (021) 582 0216 F : (021) 6530 7348
South Jakarta 12310 F : (021) 582 0217
T : (021) 7591 5628
F : (021) 7591 5625
KCP Taman Palem Lestari KCP Tanah Abang Blok B KCP Wisma Indocement KCP Wisma Slipi
Ruko Taman Palem Blok D1 No. 19D Jl. KH Fachrudin Wisma Indocement Lantai Dasar Wisma Slipi Lantai Dasar
Kel. Cengakareng Barat Pertokoan Grosir Mall Tanah Abang Jl. Jenderal Sudirman Kav. 70–71 Jl. Letnan Jenderal S Parman Kav. 12
Kec. Cengkareng Blok B Lantai 5 Kel. Setibudi, Kec. Setiabudi Kel. Kemanggisan, Kec. Palmerah
Jakarta Barat / West Jakarta 11730 Loss Ktr No. 2 Jakarta Selatan / South Jakarta 12970 Jakarta Barat / West Jakarta 11480
T : (021) 5596 0771 Kel. Kampung Bali, Kec. Tanah Abang T : (021) 5223 765 T : (021) 5308 800
F : (021) 5596 0772 Jakarta Pusat / F : (021) 5223 762 F : (021) 5307 207
Central Jakarta 10240
T : (021) 831 431
F : (021) 831 427
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Profil Perusahaan
Company Profile
Struktur Organisasi
Organization Structure
Pada tahun 2024, Bank Victoria telah melakukan penyempurnaan In 2024, Bank Victoria refined its Organization Structure to
Struktur Organisasi dalam rangka mendukung tujuan dan support the Bank’s goals and objectives, which was ratified in the
sasaran Bank yang telah disahkan dalam Surat Keputusan Direksi Board of Directors’ Decision Letter No. 007/SK-DIR/09/24 dated
No. 007/SK-DIR/09/24 tanggal 26 September 2024 tentang Struktur 26 September 2024 on the Organization Structure, as follows:
Organisasi, sebagai berikut:
Komite Manajemen
Risiko/Terintegrasi
Risk Management
Committee/Integrated
Wakil Direktur Utama
Asset and
Deputy President Director
Liability Committee
Rusli
Komite Kredit
Credit Committee Direktur Kepatuhan
Direktur Keuangan
dan Manajemen Risiko
Director of Finance
Director of Compliance
Komite Kebijakan and Risk Management
Perkreditan Debora Wahjutirto Tanoyo
Credit Policy Tamunan
Committee
Senior Executive Vice President Senior Executive Vice President
Komite Pengarah of Operations & International of Finance, Accounting &
Teknologi Informasi Banking Management Information System
Information Technology
Steering Committee Yohanes Suryadi
Komite Pemantau dan Compliance, System
Pelaksanaan GCG Operations & Internal Special Asset Procedure & Customer Accounting Division
Control Division Management Division Protection Division
GCG Implementation and
Monitoring Committee Theresia Maria
Sonny Andriano R.R. Utami Tjipto Handy Widjaja
Dhewajani
Komite Personalia
Personnel Committee
International Credit Risk Risk Management/
Banking Division Review Division Integrated Division
Komite Pengadaan
Procurement Committee Teguh Trisno
Elies Gunawan Sam R Soelaeman
Pambudi
Komite Produk
Product Committee Human Capital
Management & General Corporate Secretary
Affair Division Division
Syahda Chandra Caprie Ardira Azhar
Anti-Fraud
Management
Joel Eka Martono Information System (MIS)
Krissata
Ari Prasetyo
Credit Monitoring Anti-Money Laundering,
& Collection Counter Terorist
Financing & Weapon
Mass Destruction
Bambang F Triatmojo (AML, CTF & WMD)
Yusuf Doi Pratama
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Komite Pemantau Risiko
Risk Monitoring Committee
Ketua / Chairman : Zaenal Abidin Ph.D
Anggota / Member : Gunawan Tenggarahardja
Anggota / Member : Medi Sejati
Anggota / Member : Yozef Abdulrachman
Komite Remunerasi dan Nominasi
Remuneration and Nomination Committee
Dewan Komisaris
Board of Commissioners Ketua / Chairman : Gunawan Tenggarahardja
Anggota / Member : Sia Leng Ho
Komisaris Utama Independen : Zaenal Abidin Ph.D Anggota / Member : Syahda Candra
Independent President Commissioner
Komisaris Independen : Gunawan Tenggarahardja
Independent Commissioner Komite Audit
Komisaris : Sia Leng Ho Audit Committee
Commissioner
Ketua / Chairman : Zaenal Abidin Ph.D
Anggota / Member : Gunawan Tenggarahardja
Anggota / Member : Sia Leng Ho
Anggota / Member : Medi Sejati
Anggota / Member : Yozef Abdulrachman
Direktur Utama
President Director
Achmad Friscantono
Direktur Bisnis
Director of Business
Lembing
Senior Executive Vice President Senior Executive Vice President
of Change Management Office of Business
Muhammad Rakhmadhani SKAI Division Mira Christiana
Djoko Soendjojo
Loan & Trade Change Management Commercial Banking SME I & Consumer
Operations Division Office Division Division Banking Division
Andri Ramunanda Ahmad Suheri Treasury Division Kevin Limanseto David Fisher Kusnadi
Ritayana
Information Technology SME II
Credit Legal Division
Division Banking Division
Yohanes Robby
Novita Indriyani Angeline
Yuwono
Marketing
Branch Banking Communication, Product
Network Division & Digital Marketing
Division
Wirindra Ananda
Franky Lazuardi Gupta
Corporate Legal
Main Branches
Division
Yosef Sudikbyo
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Profil Perusahaan
Company Profile
Daftar Keanggotaan dalam Asosiasi [POJK C.5]
List of Association Membership
Hingga akhir tahun 2024, Bank Victoria tercatat sebagai anggota Until the end of 2024, Bank Victoria is registered as a member of
pada asosiasi/organisasi berikut: the following associations/organizations:
Nama Asosiasi Skala Asosiasi
Name of Association Scale of Association
Lembaga Penjamin Simpanan Nasional
Indonesia Deposit Insurance Corporation National
PT Kustodian Sentral Efek Indonesia Nasional
Indonesia Central Securities Depository National
Perhimpunan Bank-Bank Umum Nasional (PERBANAS) Nasional
Association of National Commercial Banks (PERBANAS) National
Asosiasi Emiten Indonesia (AEI) Nasional
Indonesian Public Listed Companies Association (AEI) National
Ikatan Bankir Indonesia (IBI) Nasional
Indonesian Banker Institute (IBI) National
Nasional
Bankers Association for Risk Managemet (BARA)
National
Lembaga Alternatif Penyelesaian Sengketa Perbankan Indonesia (LAPSPI) Nasional
Indonesian Alternative Agencies for Banking Dispute Resolution (LAPSPI) National
Nasional
Indonesian Corporate Secretary Association (ICSA)
National
Asosiasi Sistem Pembayaran Indonesia (ASPI) Nasional
Association of Indonesian Payment Systems (ASPI) National
Perhimpunan Pedagang Surat Hutang (HIMDASUN) Nasional
Indonesian Government Bond Traders Association (HIMDASUN) National
Forum Komunikasi Direktur Kepatuhan Perbankan (FKDKP) Nasional
Communication Forum for Director of Banking Compliance (FKDKP) National
Forum Komunikasi Direktur Operasional Perbankan (FKDOP) Nasional
Communication Forum for Director of Operations (FKDOP) National
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Profil Dewan Komisaris
Board of Commissioners Profile
Dasar Pengangkatan dan Periode Menjabat Basis of Appointment and Term of Office
Sebagai Komisaris Utama Independen: As Independent President Commissioner:
Keputusan RUPS Tahunan tanggal 3 Juni 2022 Annual GMS Resolutions dated 3 June 2022
(2022-2025). (2022-2025).
Sebagai Komisaris/Komisaris Independen: As Commissioner/Independent Commissioner:
• Keputusan RUPS Tahunan tanggal 29 Juni 2012 • Annual GMS Resolutions dated 29 June 2012
(2012-2013); (2012-2013);
• Keputusan RUPS Tahunan tanggal 28 Juni 2013 • Annual GMS Resolutions dated 28 June 2013
(2013-2016); (2013-2016);
• Keputusan RUPS Tahunan tanggal 24 Juni 2016 • Annual GMS Resolutions dated 24 June 2016
(2016-2019); dan (2016-2019); and
• Keputusan RUPS Tahunan tanggal 10 Mei 2019 • Annual GMS Resolutions dated 10 May 2019
(2019-2022). (2019-2022).
Riwayat Pendidikan Education
• Sarjana Ekonomi dari Universitas Islam • Bachelor of Economics from Islam Indonesia
Indonesia, Yogyakarta (1987); University, Yogyakarta (1987);
• Master of Management dari ASIAN Institute of • Master of Management from ASIAN Institute of
Management (AIM), Filipina (1997); dan Management (AIM), the Philippines (1997); and
• Doctor of Philosophy dari Santo Tomas University, • Doctor of Philosophy from Santo Tomas University,
Filipina (2006). the Philippines (2006).
Rangkap Jabatan Saat Ini Current Concurrent Positions
Di dalam Bank Victoria: In Bank Victoria:
• Ketua Komite Audit Bank Victoria (sejak 2022); • Chairman of Audit Committee of Bank Victoria
dan (since 2022); and
• Ketua Komite Pemantau Risiko Bank Victoria • Chairman of Risk Monitoring Committee of
(sejak 2024). Bank Victoria since (since 2024).
Di luar Bank Victoria: Outside of Bank Victoria:
• Dosen Perbanas Institute (sejak 1993); dan • Lecturer of Perbanas Institute (since 1993); and
• Asesor Manajemen Risiko Pasar Modal (sejak 2016). • Assessor of Risk Management of Capital Market
(since 2016).
ZAENAL ABIDIN Ph.D
Riwayat Jabatan Sebelumnya History of Previous Positions
Komisaris Utama Independen • Pro Manager Treasury dan Analisa Bidang Dana • Pro Manager Treasury and Analysis in Banking
Independent President Commissioner Perbankan Bank Summa (1989-1992); Fund Sector of Bank Summa (1989-1992);
• Peneliti Senior GCG Indonesia Institute • GCG Senior Researcher of Indonesia Institute of
Kewarganegaraan / Nationality Corporate Governance (2008-2018); Corporate Governance (2008-2018);
Indonesia / Indonesian • Koordinator Staf Khusus Bidang Riset Asosiasi • Coordinator of Special Staff of Research Field of
Perbanas (2011-2012); Perbanas Association (2011-2012);
Tempat Lahir / Place of Birth • Dosen Sekolah Tinggi Ilmu Ekonomi Indonesia • Lecturer of Sekolah Tinggi Ilmu Ekonomi
Sukabumi Banking School (2013-2019); Indonesia Banking School (2013-2019);
• Ketua Komite Pemantau Risiko Bank Victoria • Chairman of Risk Monitoring Committee of
Usia / Age (2013-2022); Bank Victoria (2013-2022);
61 tahun / years old • Ketua Komite Tata Kelola Terintegrasi Grup • Chairman of Integrated Governance Committee
Victoria (2015-2021); of Victoria Group (2015-2021);
Domisili / Domicile • Komisaris Independen PT Sumberdaya Sewatama • Independent Commissioner of PT Sumberdaya
Depok (2021-2023); dan Sewatama (2021-2023); and
• Anggota Komite Pemantau Risiko Bank Victoria • Member of Risk Monitoring Committee of
(2022-2024). Bank Victoria (2022-2024).
Sertifikasi Certification
• Sertifikasi bidang Kepatuhan Perbankan Level • Certification in Banking Compliance Executive
Hubungan Afiliasi
Eksekutif dari Lembaga Sertifikasi Profesi Level from Banking Profession Certification
Affiliation Relationship
Perbankan (2020-sekarang); Institute (2020-present);
Tidak memiliki hubungan afiliasi dengan anggota
• Sertifikasi bidang Keahlian Profesi Pasar • Certification in Capital Market Professional
Dewan Komisaris lainnya, anggota Direksi,
Modal sebagai Wakil Manajer Investasi Expertise as Deputy Investment Manager
serta Pemegang Saham Utama dan Pengendali,
dari The Indonesia Capital Market Institute from The Indonesia Capital Market Institute
baik langsung maupun tidak langsung sampai kepada
(2018-sekarang); (2018-present);
pemilik individu.
• Sertifikasi bidang Manajemen Risiko Level Utama • Certification in Risk Management Main Level
Does not have any affiliation with other members dari Lembaga Sertifikasi Profesi Pasar Modal from the Banking Profession Certification
of Board of Commissioners, members of Board of (2019-sekarang); Institute (2019-present);
Directors, and Main and Controlling Shareholders, • Sertifikasi bidang Asesor Kompetensi Level • Certification in Competency Assessment,
either directly or indirectly up to the individual Asesmen/Uji Kompetensi dari Lembaga Assessment Level/ Competency Test from Banking
owners. Sertifikasi Profesi Perbankan (2019-sekarang); Profession Certification Institute (2019-present);
• Sertifikasi bidang Manajemen Risiko Perbankan • Certification in Banking Risk Managemen Level
Level 2 dari Lembaga Sertifikasi Profesi Perbankan 2 from Banking Profession Certification Institute
(2021-2025); dan (2021- 2025); and
Pernyataan Independensi
• Sertifikasi bidang Manajemen Risiko Perbankan • Certification in Banking Risk Management
Statement of Independence
Kualifikasi 6 dari Lembaga Sertifikasi Profesi Qualification 6 from Banking Profession
Beliau telah menjabat menjabat 4 (empat) periode sebagai
Perbankan (2024-2027). Certification Institution (2024-2027).
Komisaris Independen dan telah menandatangani
surat pernyataan independensi. Penilaian Uji Kemampuan dan Kepatutan Fit and Proper Test
He has served for 4 (four) terms as Independent Sebagai Komisaris Utama Independen: As Independent President Commissioner:
Commissioner and has signed a statement of Telah lulus fit and proper test dari OJK tanggal Passed the fit and proper test from OJK on
independence. 28 Oktober 2022. 28 October 2022.
Sebagai Komisaris/Komisaris Independen: As Commissioner/Independent Commissioner:
Telah lulus fit and proper test dari Bank Indonesia Passed the fit and proper test from Bank Indonesia
tanggal 27 September 2012. on 27 September 2012.
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Profil Perusahaan
Company Profile
Dasar Pengangkatan dan Periode Menjabat Basis of Appointment and Term of Office
• Keputusan RUPS Luar Biasa tanggal • Extraordinary GMS Resolutions dated
24 Februari 2003 (2003-2007); 24 February 2003 (2003-2007);
• Keputusan RUPS Luar Biasa tanggal • Extraordinary GMS Resolutions dated
19 Desember 2007 (2007-2010); 19 December 2007 (2007-2010);
• Keputusan RUPS Tahunan tanggal 25 Juni • Annual GMS Resolutions dated 25 June 2010
2010 (2010-2013); (2010-2013);
• Keputusan RUPS Tahunan tanggal 28 Juni • Annual GMS Resolutions dated 28 June 2013
2013 (2013-2016); (2013-2016);
• Keputusan RUPS Tahunan tanggal 24 Juni • Annual GMS Resolutions dated 24 June 2016
2016 (2016-2019); (2016-2019);
• Keputusan RUPS Tahunan tanggal 10 Mei 2019 • Annual GMS Resolutions dated 10 May 2019
(2019-2022); dan (2019-2022); and
• Keputusan RUPS Tahunan tanggal 3 Juni 2022 • Annual GMS Resolutions dated 3 June 2022
(2022-2025). (2022-2025).
Riwayat Pendidikan Education
Sarjana Teknik Sipil dan Perencanaan dari Bachelor of Civil Engineering and Planning
Institut Teknologi Bandung (1981). from Bandung Institute of Technology (1981).
Rangkap Jabatan Saat Ini Current Concurrent Positions
Di dalam Bank Victoria: In Bank Victoria:
• Ketua Komite Remunerasi dan Nominasi • Chairman of Remuneration and Nomination
Bank Victoria (sejak 2012); dan Committee of Bank Victoria (since 2012); and
• Anggota Komite Pemantau Risiko Bank • Member of Risk Monitoring Committee of
Victoria (sejak 2024). Bank Victoria (since 2024).
Di luar Bank Victoria: Outside of Bank Victoria:
GUNAWAN TENGGARAHARDJA Komisaris Independen PT Jakarta Setiabudi
Internasional Tbk (sejak 2004).
Independent Commissioner of PT Jakarta
Setiabudi Internasional Tbk (since 2004).
Komisaris Independen
Independent Commissioner Riwayat Jabatan Sebelumnya History of Previous Positions
• International Field Engineer 1 Schlumberger • International Field Engineer 1 of Schlumberger
Kewarganegaraan / Nationality OSA (1982-1984); OSA (1982-1984);
Indonesia / Indonesian • Assistant Manager PT Bank Bali (1985-1988); • Assistant Manager of PT Bank Bali (1985-1988);
• General Manager PT Sampoerna Transport • General Manager of PT Sampoerna Transport
Tempat Lahir / Place of Birth Nusantara (PT HM Sampoerna) (1989-1992); Nusantara (PT HM Sampoerna) (1989-1992);
Malang • Direktur Eksekutif PT Duta Pertiwi Tbk • Executive Director of PT Duta Pertiwi Tbk
(1992- 1996); (1992- 1996);
Usia / Age
• Direktur PT Bhuwanatala Indah Permai Tbk • Director of PT Bhuwanatala Indah Permai Tbk
69 tahun / years old
(1996-1998); (1996-1998);
Domisili / Domicile • Komisaris Utama PT Sigma Karya Sempurna • President Commissioner of PT Sigma Karya
Jakarta (Bali Camp) (1998-2004); Sempurna (Bali Camp) (1998-2004);
• Ketua Komite Pemantau Risiko Bank Victoria • Chairman of Audit Committee of Bank Victoria
(2015-2022); (2015-2022);
• Anggota Komite Tata Kelola Terintegrasi • Member of Integrated Governance
Bank Victoria (2017-2021); dan Committee of Bank Victoria (2017-2021); and
• Ketua Komite Pemantau Risiko Bank Victoria • Chairman of Risk Monitoring Committee of
(2022-2024). Bank Victoria (2022-2024).
Sertifikasi Certification
• Sertifikasi bidang Manajemen Risiko • Risk Management Certification Level 5 from
Perbankan Level 5 dari Lembaga Sertifikasi Banking Profession Certification Institute
Profesi Perbankan (2021-2023); dan (2021-2023); and
• Sertifikasi bidang Manajemen Risiko • Certification in Banking Risk Management
Perbankan Kualifikasi 7 dari Lembaga Qualification 7 from Banking Profession
Sertifikasi Profesi Perbankan (2024-2027). Certification Institution (2024-2027).
Penilaian Uji Kemampuan dan Kepatutan Fit and Proper Test
Sebagai Komisaris Utama Independen: As Independent President Commissioner:
Telah lulus fit and proper test dari Bank Indonesia Passed the fit and proper test from Bank Indonesia
tanggal 22 April 2003. on 22 April 2003.
Sebagai Komisaris Independen: As Independent Commissioner:
Telah lulus fit and proper test dari Bank Indonesia Passed the fit and proper test from Bank Indonesia
tanggal 13 September 2003. on 13 September 2003.
Hubungan Afiliasi Affiliation Relationship
Tidak memiliki hubungan afiliasi dengan anggota Does not have any affiliation with other
Dewan Komisaris lainnya, anggota Direksi, members of Board of Commissioners, members
serta Pemegang Saham Utama dan Pengendali, of Board of Directors, and Main and Controlling
baik langsung maupun tidak langsung sampai Shareholders, either directly or indirectly up to
kepada pemilik individu. the individual owners.
Pernyataan Independensi Statement of Independence
Beliau telah menjabat 7 (tujuh) periode sebagai He has served for 7 (seven) terms as
Komisaris Independen dan telah menandatangani Independent Commissioner and has signed a
surat pernyataan independensi. statement of independence.
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Dasar Pengangkatan dan Periode Menjabat Basis of Appointment and Term of Office
Keputusan RUPS Luar Biasa tanggal 19 Oktober Extraordinary GMS Resolutions dated
2022 (2022-2025). 19 October 2022 (2022-2025).
Riwayat Pendidikan Education
Bachelor of Business Administration dari Bachelor of Business Administration from
University of San Francisco (1985). University of San Francisco (1985).
Rangkap Jabatan Saat Ini Current Concurrent Positions
Di dalam Bank Victoria: In Bank Victoria:
Anggota Komite Remunerasi dan Nominasi Member of Remuneration and Nomination
Bank Victoria (sejak 2022). Committee of Bank Victoria (since 2022).
Di luar Bank Victoria: Outside of Bank Victoria:
Komisaris Independen PT Central Proteina Commissioner of PT Central Proteina Prima Tbk
Prima Tbk (sejak 2023). (since 2023).
Riwayat Jabatan Sebelumnya History of Previous Positions
• Posisi terakhir sebagai Vice President – • Last position as Vice President - Corporate
Corporate Banking Segment Head PT Bank Banking Segment Head of PT Bank Bali Tbk
Bali Tbk (1985-1991); (1985-1991);
• Deputy President Director PT Bank Ekonomi • Deputy President Director of PT Bank Ekonomi
Raharja Tbk (1991-2012); Raharja Tbk (1991-2012);
• Komisaris PT Bank Ekonomi Raharja Tbk • Commissioner of PT Bank Ekonomi Raharja
(2012); Tbk (2012);
• President Director PT Bank Agris Tbk • President Director of PT Bank Agris Tbk
(2012-2019); dan (2012-2019); and
• Management Advisor PT Bank IBK • Management Advisor of PT Bank IBK
Indonesia Tbk (2019-2021). Indonesia Tbk (2019-2021).
SIA LENG HO
Sertifikasi Certification
Komisaris • Sertifikasi bidang Manajemen Risiko • Certification in Banking Risk Management
Commissioner Perbankan Level 5 dari Manajemen Risiko Level 5 from Banking Risk Management
Perbankan Level 5 dari Lembaga Sertifikasi Level 5 from Banking Profession Certification
Kewarganegaraan / Nationality Profesi Perbankan (2022-2024); dan Institution (2022-2024); and
Indonesia / Indonesian • Sertifikasi bidang Manajemen Risiko • Certification in Banking Risk Management
Tempat Lahir / Place of Birth Perbankan Kualifikasi 7 dari Lembaga Qualification 7 from Banking Profession
Jakarta Sertifikasi Profesi Perbankan (2024-2027). Certification Institution (2024-2027).
Usia / Age Penilaian Uji Kemampuan dan Kepatutan Fit and Proper Test
65 tahun / years old Telah lulus fit and proper test dari Passed the fit and proper test from OJK on
OJK tanggal 28 Oktober 2022. 28 October 2022.
Domisili / Domicile
Jakarta Hubungan Afiliasi Affiliation Relationship
Tidak memiliki hubungan afiliasi dengan anggota Does not have any affiliation with other
Dewan Komisaris lainnya, anggota Direksi, serta members of Board of Commissioners, members
Pemegang Saham Utama dan Pengendali, of Board of Directors, and Main and Controlling
baik langsung maupun tidak langsung sampai Shareholders, either directly or indirectly up to
kepada pemilik individu. the individual owners.
Perubahan Komposisi Anggota Changes to the Composition of
Dewan Komisaris Board of Commissioners
Pada tahun 2024, komposisi anggota Dewan Komisaris Bank Victoria In 2024, there were no changes to the composition of
tidak mengalami perubahan sesuai keputusan RUPS Tahunan yang the Board of Commissioners of Bank Victoria in accordance with
diselenggarakan pada tanggal 14 Juni 2024. the resolutions of Annual GMS held on 14 June 2024.
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Profil Perusahaan
Company Profile
Profil Direksi
Board of Directors Profile
Dasar Pengangkatan dan Periode Menjabat Basis of Appointment and Term of Office
Keputusan RUPS Tahunan tanggal 3 Juni 2022 Annual GMS Resolutions dated 3 June 2022
(2022-2025). (2022-2025).
Riwayat Pendidikan Education
• Bachelor of Science Degree in Agricultural • Bachelor of Science Degree in Agricultural
Economics (Business and Industry) dari Economics (Business and Industry) from
University of Wisconsin, Madison (1987); dan University of Wisconsin, Madison (1987); and
• Master of Business Administration • Master of Business Administration (Marketing)
(Marketing) dari City University, Seattle, from City University, Seattle, Washington,
Washington, USA (1989). USA (1989).
Rangkap Jabatan Saat Ini Current Concurrent Positions
Di dalam Bank Victoria: In Bank Victoria:
Tidak ada. None.
Di luar Bank Victoria: Outside of Bank Victoria:
Tidak ada. None.
Riwayat Jabatan Sebelumnya History of Previous Positions
• Senior Assistant Manager Divison Treasury • Senior Assistant Manager of Treasury Division
PT Bank Internasional Indonesia Tbk of PT Bank Internasional Indonesia Tbk
(1990-1994); (1990-1994);
• Manager Divison Treasury PT Bank Namura • Treasury Division Manager of PT Bank Namura
Internusa (1994-1996); Internusa (1994-1996);
• Senior Manager Divison Treasury dan Divison • Senior Manager of Treasury Division and
International PT Bank Rama Tbk (1996-2000); International Division of PT Bank Rama Tbk
(1996-2000);
ACHMAD FRISCANTONO • Kepala Risiko Likuiditas (Senior Assistant • Head of Market Liquidity Risk (Senior Assistant
Direktur Utama Vice President) Market dan Likuiditas Risiko Vice President) and Division Liquidity
President Director Divisi PT Bank Danamon Indonesia Tbk Risk of PT Bank Danamon Indonesia Tbk
(2000-2006); (2000-2006);
Kewarganegaraan / Nationality • Treasury and Financial Institution Head • Treasury and Financial Institution Head
Indonesia / Indonesian (Executive Vice President) PT Bank Tabungan (Executive Vice President) of PT Bank Tabungan
Pensiun Nasional Tbk (2006-2016); Pensiun Nasional Tbk (2006-2016); and
Tempat Lahir / Place of Birth • Executive Director Perbanas (2017-2021); dan • Executive Director Perbanas (2017-2021); and
San Francisco • Komisaris Utama PT Bank Victoria Syariah • President Commissioner of PT Bank Victoria
(2019-2022). Syariah (2019-2022).
Usia / Age
63 tahun / years old Sertifikasi Certification
Domisili / Domicile • Sertifikasi bidang Manajemen Risiko Level 5 • Certification in Risk Management Level 5
Jakarta dari Lembaga Sertifikasi Profesi Perbankan from Banking Profession Certification
(2022-2024); dan Institution (2022-2024); and
• Sertifikasi bidang Manajemen Risiko • Certification in Banking Risk Management
Perbankan Kualifikasi 7 dari Lembaga Qualification 7 from Banking Profession
Sertifikasi Profesi Perbankan (2024-2027). Certification Institution (2024-2027).
Penilaian Uji Kemampuan dan Kepatutan Fit and Proper Test
Telah lulus fit and proper test dari OJK tanggal Passed the fit and proper test from OJK on
19 Oktober 2022. 19 October 2022.
Hubungan Afiliasi Affiliation Relationship
Tidak memiliki hubungan afiliasi dengan anggota Does not have any affiliation with other members
Direksi lainnya, anggota Dewan Komisaris, of Board of Directors, members of Board of
serta Pemegang Saham Utama dan Pengendali, Commissioners, and Main and Controlling
baik langsung maupun tidak langsung sampai Shareholders, either directly or indirectly up to
kepada pemilik individu. the individual owners.
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Dasar Pengangkatan dan Periode Menjabat Basis of Appointment and Term of Office
• Keputusan RUPS Luar Biasa tanggal • Extraordinary GMS Resolutions dated
29 Februari 2016 (2016); 29 February 2016 (2016);
• Keputusan RUPS Tahunan tanggal 24 Juni 2016 • Annual GMS Resolutions dated 24 June 2016
(2016-2019); (2016-2019);
• Keputusan RUPS Tahunan tanggal 10 Mei 2019 • Annual GMS Resolutions dated 10 May 2019
(2019-2022); dan (2019-2022); and
• Keputusan RUPS Tahunan tanggal 3 Juni 2022 • Annual GMS Resolutions dated 3 June 2022
(2022-2025). (2022-2025).
Riwayat Pendidikan Education
Insinyur jurusan Teknik Industri dari Universitas Engineer of Industrial Engineering from Trisakti
Trisakti (1993). University (1993).
Rangkap Jabatan Saat Ini Current Concurrent Positions
Di dalam Bank Victoria: In Bank Victoria:
Tidak ada. None.
Di luar Bank Victoria: Outside of Bank Victoria:
Tidak ada. None.
Riwayat Jabatan Sebelumnya History of Previous Positions
• Menjabat di PT Bank QNB Indonesia Tbk • Held positions at PT Bank QNB Indonesia Tbk
sebagai: as:
• Head of Treasury (2000-2002); • Head of Treasury (2000-2002);
• Direktur Treasury (2002-2009); • Director of Treasury (2002-2009);
• Direktur Bisnis (2009-2012); • Director of Business (2009-2012);
• Direktur Operasional (2012-2016); dan • Director of Operations (2012-2016); and
RUSLI • Direktur Operasi dan Sistem Bank Victoria • Director of Operations and Systems of
Wakil Direktur Utama (2016). Bank Victoria (2016).
Deputy President Director
Sertifikasi Certification
Kewarganegaraan / Nationality
• Omega Credit Certification (2015); • Omega Credit Certification (2015);
Indonesia / Indonesian
• Sertifikasi bidang Treasury Dealer Level • Certification in Treasury Dealer Advanced
Advance dari Lembaga Sertifikasi Profesi Level from Banking Profession Certification
Tempat Lahir / Place of Birth Perbankan (2021-2024); Institute (2021-2024);
Tebing Tinggi • Sertifikasi bidang Manajemen Risiko • Certification in Banking Risk Management
Perbankan Level 5 dari Lembaga Sertifikasi Level 5 from Banking Profession Certification
Usia / Age Profesi Perbankan (2021-2023); dan Institution (2021-2023); and
53 tahun / years old • Sertifikasi bidang Manajemen Risiko • Certification in Banking Risk Management
Domisili / Domicile Perbankan Kualifikasi 7 dari Lembaga Qualification 7 from Banking Profession
Jakarta Sertifikasi Profesi Perbankan (2024-2027). Certification Institution (2024-2027).
Penilaian Uji Kemampuan dan Kepatutan Fit and Proper Test
Telah lulus fit and proper test dari OJK tanggal Passed the fit and proper test from OJK on
16 September 2016. 16 September 2016.
Hubungan Afiliasi Affiliation Relationship
Tidak memiliki hubungan afiliasi dengan anggota Does not have any affiliation with other members
Direksi lainnya, anggota Dewan Komisaris, of Board of Directors, members of Board of
serta Pemegang Saham Utama dan Pengendali, Commissioners, and Main and Controlling
baik langsung maupun tidak langsung sampai Shareholders, either directly or indirectly up to
kepada pemilik individu. the individual owners.
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Profil Perusahaan
Company Profile
Dasar Pengangkatan dan Periode Menjabat Basis of Appointment and Term of Office
• Keputusan RUPS Tahunan tanggal 18 Mei 2018 • Annual GMS Resolutions dated 18 May 2018
(2018-2019); (2018-2019);
• Keputusan RUPS Tahunan tanggal 10 Mei 2019 • Annual GMS Resolutions dated 10 May 2019
(2019-2022); dan (2019-2022); and
• Keputusan RUPS Tahunan tanggal 3 Juni 2022 • Annual GMS Resolutions dated 3 June 2022
(2022-2025). (2022-2025).
Riwayat Pendidikan Education
Sarjana Ekonomi dari Universitas Tarumanagara Bachelor of Economic from Tarumanagara
(1989). University (1989).
Rangkap Jabatan Saat Ini Current Concurrent Positions
Di dalam Bank Victoria: In Bank Victoria:
Tidak ada. None.
Di luar Bank Victoria: Outside of Bank Victoria:
Tidak ada. None.
Riwayat Jabatan Sebelumnya History of Previous Positions
• Branch Manager Bank Lippo (1991-2004); • Branch Manager of Bank Lippo (1991-2004);
• Kepala Wilayah Jakarta dan Kalimantan • Head of Jakarta and Kalimantan Regions of
Bank Lippo (2004-2008); Bank Lippo (2004-2008);
• Small Medium Enterprise Head Bank Danamon • Small and Medium Enterprise Head of
(2008-2009); Bank Danamon (2008-2009);
• Small Medium Enterprise Head and • Small and Medium Enterprise Head and
Emerging Business Maybank (2009-2012); Emerging Business of Maybank (2009-2012);
• Direktur PT Elang Kurnia Sakti (2012-2017); • Director of PT Elang Kurnia Sakti (2012-2017);
LEMBING • Direktur PT Agung Kimia Cemerlang • Director of PT Agung Kimia Cemerlang
Direktur Bisnis (2012-2017); (2012-2017);
Director of Business • Komisaris PT Agung Kimia Cemerlang • Commissioner of PT Agung Kimia Cemerlang
(2015-2017); dan (2015-2017); and
Kewarganegaraan / Nationality • Small Medium Enterprise Head Maybank • Small and Medium Enterprise Head of Maybank
Indonesia / Indonesian (2017- 2018). (2017-2018).
Tempat Lahir / Place of Birth Sertifikasi Certification
Pekanbaru • Sertifikasi bidang Manajemen Risiko • Risk Management Certification Level 5
Perbankan Level 5 dari Lembaga Sertifikasi for Banking from Banking Profession
Usia / Age Profesi Perbankan (2022-2024); dan Certification Institute (2022-2024); and
60 tahun / years old • Sertifikasi bidang Manajemen Risiko • Certification in Banking Risk Management
Domisili / Domicile Perbankan Kualifikasi 7 dari Lembaga Qualification 7 from Banking Profession
Jakarta Sertifikasi Profesi Perbankan (2024-2027). Certification Institution (2024-2027).
Penilaian Uji Kemampuan dan Kepatutan Fit and Proper Test
Telah lulus fit and proper test dari OJK tanggal Passed the fit and proper test from OJK on
30 Oktober 2018. 30 October 2018.
Hubungan Afiliasi Affiliation Relationship
Tidak memiliki hubungan afiliasi dengan anggota Does not have any affiliation with other members
Direksi lainnya, anggota Dewan Komisaris, of Board of Directors, members of Board of
serta Pemegang Saham Utama dan Pengendali, Commissioners, and Main and Controlling
baik langsung maupun tidak langsung sampai Shareholders, either directly or indirectly up to
kepada pemilik individu. the individual owners.
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Dasar Pengangkatan dan Periode Menjabat Basis of Appointment and Term of Office
• Keputusan RUPS Tahunan tanggal 18 Mei 2018 • Annual GMS Resolutions dated 18 May 2018
(2018-2019); (2018-2019);
• Keputusan RUPS Tahunan tanggal 10 Mei 2019 • Annual GMS Resolutions dated 10 May 2019
(2019-2022); dan (2019-2022); and
• Keputusan RUPS Tahunan tanggal 3 Juni 2022 • Annual GMS Resolutions dated 3 June 2022
(2022-2025). (2022-2025).
Riwayat Pendidikan Education
• Bachelor of Science dari University of • Bachelor of Science from University of
San Francisco, California (2006); dan San Fransisco, California (2006); and
• Master of Business Administration dari • Master of Business Administration from
University of San Fransisco, California (2009). University of San Fransisco, California (2009).
Rangkap Jabatan Saat Ini Current Concurrent Positions
Di dalam Bank Victoria: In Bank Victoria:
Tidak ada. None.
Di luar Bank Victoria: Outside of Bank Victoria:
Tidak ada. None.
Riwayat Jabatan Sebelumnya History of Previous Positions
• Assurance Staff Burr Pilger and Mayer LLP, • Assurance Staff of Burr Pilger and Mayer LLP,
San Francisco (2007-2008); San Francisco (2007-2008);
• Senior Associate 2 Ernst and Young LLP, • Senior Associate 2 of Ernst and Young LLP,
Singapore (2011-2013); Singapore (2011-2013);
• Finance Manager PT Victoria Investama Tbk • Finance Manager of PT Victoria Investama
(2013-2014); Tbk (2013-2014);
DEBORA WAHJUTIRTO TANOYO • Senior Staf Manajemen Risiko Bank Victoria • Senior Staff of Risk Management of
Direktur Keuangan (2014-2015); Bank Victoria (2014-2015);
Director of Finance • Direktur PT Victoria Investama Tbk • Director of PT Victoria Investama Tbk
(2014-2018); dan (2014-2018); and
Kewarganegaraan / Nationality • Komisaris Bank Victoria (2016-2018). • Commissioner of Bank Victoria (2016-2018).
Indonesia / Indonesian
Sertifikasi Certification
Tempat Lahir / Place of Birth • Sertifikasi bidang Manajemen Risiko • Risk Management Certification Level 5
Surabaya Perbankan Level 5 dari Lembaga Sertifikasi for Banking from Banking Profession
Profesi Perbankan (2022-2024); dan Certification Institute (2022-2024); and
Usia / Age • Sertifikasi bidang Manajemen Risiko • Certification in Banking Risk Management
39 tahun / years old Perbankan Kualifikasi 7 dari Lembaga Qualification 7 from Banking Profession
Domisili / Domicile Sertifikasi Profesi Perbankan (2024-2027). Certification Institution (2024-2027).
Jakarta
Penilaian Uji Kemampuan dan Kepatutan Fit and Proper Test
Telah lulus fit and proper test dari OJK tanggal Passed the fit and proper test from OJK on
22 November 2018. 22 November 2018.
Hubungan Afiliasi Affiliation Relationship
Tidak memiliki hubungan afiliasi dengan Does not have any affiliation with members
Dewan Komisaris dan Direksi. Namun, memiliki of Board of Commissioners and members of
hubungan afiliasi dengan Pemegang Saham Board of Directors. However, has affiliation with
Pengendali, yaitu Suzanna Tanojo. Controlling Shareholder, namely Suzanna Tanojo.
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Profil Perusahaan
Company Profile
Dasar Pengangkatan dan Periode Menjabat Basis of Appointment and Term of Office
• Keputusan RUPS Tahunan tanggal 27 Juni 2008 • Annual GMS Resolutions dated 27 June 2008
(2008-2010); (2018-2010);
• Keputusan RUPS Tahunan tanggal 25 Juni 2010 • Annual GMS Resolutions dated 25 June 2010
(2010-2013); (2010-2013);
• Keputusan RUPS Tahunan tanggal 28 Juni 2013 • Annual GMS Resolutions dated 28 June 2013
(2013-2016); (2013-2016);
• Keputusan RUPS Tahunan tanggal 24 Juni 2016 • Annual GMS Resolution dated 24 June 2016
(2016-2019); (2016-2019);
• Keputusan RUPS Tahunan tanggal 10 Mei 2019 • Annual GMS Resolutions dated 10 May 2019
(2019-2022); dan (2019-2022); and
• Keputusan RUPS Tahunan tanggal 3 Juni 2022 • Annual GMS Resolutions dated 3 June 2022
(2022-2025). (2022-2025).
Riwayat Pendidikan Education
• Sarjana Ekonomi bidang Akuntansi dari • Bachelor of Economics in Accounting from
Universitas Lambung Mangkurat, Banjarmasin Lam bung Mangkurat University, Banjarmasin
(1990); dan (1990); and
• Magister Manajemen bidang Manajemen Risiko • Master of Management, majoring in Risk
dari Universitas Indonesia, Jakarta (2008). Management from Indonesia University,
Jakarta (2008).
Rangkap Jabatan Saat Ini Current Concurrent Positions
Di dalam Bank Victoria: In Bank Victoria:
Tidak ada. None.
Di luar Bank Victoria: Outside of Bank Victoria:
Tidak ada. None.
Riwayat Jabatan Sebelumnya History of Previous Positions
• Staf Audit Kantor Akuntan Publik Drs. Santoso, • Audit Staff of Public Accounting Firm of
TAMUNAN Banjarmasin (1987-1988); Drs. Santoso, Banjarmasin (1987-1988);
Direktur Kepatuhan dan Manajemen Risiko • Kepala Bagian Administrasi dan Umum • Head of Administration and General Affairs
Director of Compliance and Risk Management PT Winduintan Deltatama (Muda Jaya Group) of PT Winduintan Deltatama (Muda Jaya
Banjarmasin (1988-1990); Group), Banjarmasin (1988-1990);
• Kepala Kantor Bank Andromeda, Jakarta • Office Head of Bank Andromeda, Jakarta
Kewarganegaraan / Nationality
(1990-1997); (1990-1997);
Indonesia / Indonesian
• Kepala Kantor Bank Alfa, Menara Kebon Sirih, • Office Head of Bank Alfa, Menara Kebon Sirih,
Tempat Lahir / Place of Birth Jakarta (1997-1999); Jakarta (1997-1999);
Banjarmasin • Staf Badan Penyehatan Perbankan Nasional • Staff of Indonesian Bank Restructuring
(BPPN), Jakarta (1999); Agency (BPPN), Jakarta (1999);
Usia / Age • Manajer Operasional PT Victoria Sekuritas, • Manager of Operations of PT Victoria
59 tahun / years old Jakarta (1999-2001); Sekuritas, Jakarta (1999-2001);
• Head of Operation and Compliance • Head of Operations and Compliance of
Domisili / Domicile PT Mahastra Capital, Jakarta (2001-2004); PT Mahastra Capital, Jakarta (2001-2004);
Jakarta • Risk Management & Compliance Division • Risk Management & Compliance Division of
Bank Victoria, Jakarta (2004-2007); dan Bank Victoria, Jakarta (2004-2007); and
• Direktur Operasi dan IT Bank Victoria, • Director of Operations and IT of Bank Victoria,
Jakarta (2007-2008). Jakarta (2007-2008).
Sertifikasi Certification
• Sertifikasi bidang Treasury Dealer Level • Certification in Treasury Dealer Advanced
Advance dari Lembaga Sertifikasi Profesi Level from Banking Profession Certification
Perbankan (2021- 2024); Institute (2021-2024);
• Sertifikasi bidang Manajemen Risiko • Certification in Banking Risk Management
Perbankan Level 5 dari Lembaga Sertifikasi Level 5 from Banking Profession Certification
Profesi Perbankan (2021-2023); Institute (2021-2023); and
• Sertifikasi bidang Compliance Level Advance • Certification in Compliance Advanced Level
dari Lembaga Sertifikasi Profesi Perbankan from Banking Profession Certification Institute
(2021-2025); dan (2021-2025); and
• Sertifikasi bidang Manajemen Risiko • Certification in Banking Risk Management
Perbankan Kualifikasi 7 dari Lembaga Qualification 7 from Banking Profession
Sertifikasi Profesi Perbankan (2023-2026). Certification Institution (2023-2026).
Penilaian Uji Kemampuan dan Kepatutan Fit and Proper Test
Telah lulus fit and proper test dari Bank Indonesia Passed the fit and proper test from Bank Indonesia
tanggal 24 Maret 2009. on 24 March 2009.
Hubungan Afiliasi Affiliation Relationship
Tidak memiliki hubungan afiliasi dengan anggota Does not have any affiliation with other members
Direksi lainnya, anggota Dewan Komisaris, of Board of Directors, members of Board of
serta Pemegang Saham Utama dan Pengendali, Commissioners, and Main and Controlling
baik langsung maupun tidak langsung sampai Shareholders, either directly or indirectly up to
kepada pemilik individu. the individual owners.
Perubahan Komposisi Anggota Direksi Changes to the Board of Directors’ Composition
Pada tahun 2024, komposisi anggota Direksi Bank Victoria tidak In 2024, there were no changes to the composition of
mengalami perubahan sesuai keputusan RUPS Tahunan yang the Board of Directors of Bank Victoria in accordance with
diselenggarakan pada tanggal 14 Juni 2024. the resolutions of Annual GMS held on 14 June 2024.
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Pejabat Eksekutif
Executive Officer
4 2 3 1
1. MUHAMMAD RAKHMADHANI 3. MIRA CHRISTIANA
Senior Executive Vice President of Senior Executive Vice President of Business
Change Management Office
2. YOHANES 4. SURYADI
Senior Executive Vice President of Senior Executive Vice President of Finance,
Operations & International Banking Accounting & Management Information System
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Profil Perusahaan
Company Profile
Berikut ini adalah daftar Pejabat Eksekutif yang menjabat The following is a list of Executive Officers who serve in Bank Victoria
di Bank Victoria per 31 Desember 2024: as of 31 December 2024:
Nama Jabatan
Name Position
Muhammad Rakhmadhani Senior Executive Vice President of Change Management Office
Yohanes Senior Executive Vice President of Operations & International Banking
Mira Christiana Senior Executive Vice President of Business
Suryadi Senior Executive Vice President of Finance, Accounting & Management Information System
Caprie Ardira Azhar Kepala Divisi Corporate Secretary
Head of Corporate Secretary Division
Djoko Soendjojo Kepala Divisi SKAI
Head of SKAI Division
R.R. Utami Tjipto Kepala Divisi Compliance, System Procedure & Customer Protection
Head of Compliance, System Procedure & Customer Protection Division
Sam R. Soelaeman Kepala Divisi Risk Management/Integrated
Head of Risk Management/Integrated Division
Elies Gunawan Kepala Divisi International Banking
Head of International Banking Division
Ritayana Kepala Divisi Treasury
Head of Treasury Division
Theresia Maria Dhewajani Kepala Divisi Operations & Internal Control
Head of Operations & Internal Control Division
Yosef Sudikbyo Kepala Divisi Corporate Legal
Head of Corporate Legal Division
Novita Indriyani Kepala Divisi Credit Legal
Head of Credit Legal Division
Teguh Trisno Pambudi Kepala Divisi Credit Risk Review
Head of Credit Risk Review Division
David Fisher Kusnadi Kepala Divisi SME I & Consumer Banking
Head of SME I & Consumer Banking Division
Angeline Kepala Divisi SME II Banking
Head of SME II Banking Division
Franky Lazuardi Kepala Divisi Branch Banking Network
Head of Branch Banking Network Division
Andri Ramunanda Kepala Divisi Loan & Trade Operations
Head of Loan & Trade Operations Division
Sonny Andryano Kepala Divisi Special Asset Management
Head of Special Asset Management Division
Syahda Candra Kepala Divisi Human Capital Management & General Affair
Head of Human Capital Management & General Affair Division
Handy Widjaja Kepala Divisi Accounting
Head of Accounting Division
Bambang F Triatmojo Wakil Kepala Divisi Credit Monitoring & Collection
Vice Head of Credit Monitoring & Collection Division
Yusuf Doi Pratama Kepala Departemen Anti Money Laundering (AML), Counter Terorist Financing (CTF) & Weapon Mass Destruction (WMD)
Head of Anti Money-Laundering (AML), Counter-Terrorist Financing (CTF) & Weapon Mass Destruction (WMD) Department
Joel Eka Martono Krissata Kepala Departemen Anti-Fraud
Head of Anti-Fraud Department
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Pendidikan dan/atau Pelatihan Pejabat Eksekutif
Education and/or Training of Executive Officers
Nama Jabatan Materi
Name Position Material
Muhammad Senior • Expert Sharing: Keuangan Berkelanjutan (oleh Bank Victoria); • Expert Sharing: Sustainable Finance (by Bank Victoria);
Rakhmadhani Executive • Dealing With VUCA Challenges: Contextual Leadership • Dealing With VUCA Challenges: Contextual Leadership
Vice President Journey (oleh Bank Victoria); Journey (by Bank Victoria);
of Change • Corporate Culture dan Service (oleh Bank Victoria); • Corporate Culture and Service (by Bank Victoria);
Management • Sharing Session: Menjalin Silaturahmi dalam • Sharing Session: Establishing Relationships in
Office Kebersamaan (oleh Bank Victoria); Togetherness (by Bank Victoria);
• Alibaba Cloud AI Conference (oleh Alibaba Cloud • Alibaba Cloud AI Conference (by Alibaba Cloud
Indonesia); Indonesia);
• Program Pengkinian Sertifikasi Manajemen Risiko • Update Program of Risk Management Certification
Jenjang 7 (oleh Efektif Pro); Level 7 (by Efektif Pro);
• Resertifikasi Manajemen Risiko Jenjang 5 (oleh Lembaga • Recertification of Risk Management Level 5 (by Banking
Sertifikasi Profesi Perbankan); Profession Certification Institution);
• Sharing Session Project DLP Bank Victoria (oleh • Sharing Session Project of DLP Bank Victoria
PT Indosat Tbk); (by PT Indosat Tbk);
• Awareness Penerapan Peraturan Otoritas Jasa Keuangan • Awareness of Implementation of Financial Services
Perlindungan Konsumen dan Undang-Undang Authority Regulations on Consumer Protection and
Perlindungan Data Pribadi (oleh RSM Indonesia); Personal Data Protection Law (by RSM Indonesia);
• Training Data Loss Prevention pada Product Blanco, • Training Data Loss Prevention on Blanco, Enforcive &
Enforcive & Digital Guardian (oleh PT Indosat Tbk); Digital Guardian Products (by PT Indosat Tbk);
• Refreshment Manajemen Risiko Jenjang 1 - 4 Badan • Refreshment of Risk Management Level 1 - 4 Risk
Sertifikasi Manajemen Risiko (oleh Efektif Pro); serta Management Certification Institution (by Efektif Pro);
and
• Training Penerapan Strategi Anti-Fraud (oleh Victoria • Training on Anti-Fraud Strategy Implementation
Institute). (by Victoria Institute).
Yohanes Senior • Sharing Session: Semua Dimulai dari Keluarga • Sharing Session: Everything Begins with Family
Executive Vice (oleh Bank Victoria); (by Bank Victoria);
President of • Sharing Session: Learn For Release (oleh Bank Victoria); • Sharing Session: Learn For Release (by Bank Victoria);
Operations & • Expert Sharing: Keuangan Berkelanjutan (oleh Bank Victoria); • Expert Sharing: Sustainable Finance (by Bank Victoria);
International • Pendampingan dan Bimbingan Teknis Resertifikasi • Mentoring and Technical Guidance for Recertification of
Banking Manajemen Risiko Jenjang 6 (oleh Bank Victoria); Risk Management Level 6 (by Bank Victoria);
• Sharing Session: Dream and Faith (oleh Bank Victoria); • Sharing Session: Dream and Faith (by Bank Victoria);
• Dealing With VUCA Challenges: Contextual Leadership • Dealing With VUCA Challenges: Contextual Leadership
Journey (oleh Bank Victoria); Journey (by Bank Victoria);
• Pembekalan: Pendampingan dan Mekanisme • Briefing: Mentoring and Mechanism for Implementing
Pelaksanaan Resertifikasi Manajemen Risiko Jenjang 6 Recertification of Risk Management Level 6
(oleh Bank Victoria); (by Bank Victoria);
• Sharing Session: Blessing in Faithfulness (oleh Bank • Sharing Session: Blessing in Faithfulness (by Bank
Victoria); Victoria);
• Program Pengkinian Sertifikasi Manajemen Risiko • Update Program of Risk Management Certification Level 6
Jenjang 6 (oleh Efektif Pro); (by Efektif Pro);
• Executive Gathering ASPI: Elevating The National • ASPI Executive Gathering: Elevating The National
Payment System through Collaborative Sinergy Tahun Payment System through Collaborative Synergy in 2024
2024 (oleh Asosiasi Sistem Pembayaran Indonesia); (by Indonesian Payment System Association);
• Corporate Culture dan Service (oleh Bank Victoria); • Corporate Culture and Service (by Bank Victoria);
• Sharing Session: Menjalin Silaturahmi dalam • Sharing Session: Establishing Relationships in
Kebersamaan (oleh Bank Victoria); Togetherness (by Bank Victoria);
• Sharing Session: Melawan Rasa Takut (oleh Bank Victoria); • Sharing Session: Fighting the Fear (by Bank Victoria);
• Sharing Session: Bersyukur dalam Kehidupan • Sharing Session: Being Grateful in Life (by Bank Victoria);
(oleh Bank Victoria);
• Resertifikasi Manajemen Risiko Jenjang 6 (oleh Lembaga • Recertification of Risk Management Level 6 (by Banking
Sertifikasi Profesi Perbankan); Profession Certification Institution);
• Sharing Session: Perubahan Paradigma (oleh Bank Victoria); • Sharing Session: Paradigm Shift (by Bank Victoria);
• Awareness Penerapan Peraturan Otoritas Jasa Keuangan • Awareness of Implementation of Financial Services
Perlindungan Konsumen dan Undang-Undang Authority Regulations on Consumer Protection and
Perlindungan Data Pribadi (oleh RSM Indonesia); Personal Data Protection Law (by RSM Indonesia);
• Partisipasi Bulan Literasi Perdagangan Berjangka • Participation in Literacy Month on the 2024 Commodity
Komoditi 2024 (oleh Asosiasi Perdagangan Berjangka Futures Trading (by Indonesian Commodity Futures
Komoditi Indonesia); Trading Association);
• Training Perlindungan Konsumen dan Perlindungan Data • Training on Consumer Protection and Personal Data
Pribadi (oleh Victoria Institute); Protection (by Victoria Institute);
• Refreshment Manajemen Risiko Level 1 - 4 Badan • Refreshment of Risk Management Level 1 - 4 Risk
Sertifikasi Manajemen Risiko (oleh Efektif Pro); Management Certification Institution (by Efektif Pro);
• Training Penerapan Strategi Anti-Fraud (oleh Victoria • Training on Anti-Fraud Strategy Implementation
Institute); (by Victoria Institute);
• Sertifikasi Sistem Pembayaran dan Pengelolaan Uang • Payment System Certification and Rupiah Money
Rupiah Jenjang 6: Pengelolaan Uang Tunai (oleh Lembaga Management Level 6: Cash Management (by Indonesian
Sertifikasi Profesi Sistem Pembayaran Indonesia); Payment System Profession Certification Institute);
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Profil Perusahaan
Company Profile
Nama Jabatan Materi
Name Position Material
• Refrehsment Tipologi Tindak Pidana Pencucian Uang • Refreshment of Typology of Money Laundering Crimes
(TPPU)/Tindak Pidana Pendanaan Terorisme (TPPT)/ (TPPU)/Terrorism Financing Crimes (TPPT)/Proliferation
Pendanaan Proliferasi Senjata Pemusnah Massal (PPSPM) Financing of Weapons of Mass Destruction (PPSPM)
Melalui Kredit dan Treasury (oleh PT Andara Sarana); through Credit and Treasury (by PT Andara Sarana);
• Training Sistem Pembayaran dan Pengelolaan • Training on Payment System and Rupiah Money
Uang Rupiah: Pengelolaan Uang Tunai Jenjang 6 Management: Cash Management Level 6 (by Praveena
(oleh Lembaga Pelatihan Kerja Praveena); Job Training Institute);
• Coaching dan Sharing Session Kepala Operasional • Coaching and Sharing Session of the Head of Operations
(oleh Bank Victoria); (by Bank Victoria);
• Training Pembekalan Manajemen Risiko Jenjang 6 • Briefing Training on Risk Management Level 6
(oleh PT Arfaidhams Secret); (by PT Arfaidhams Secret);
• Uji Sertifikasi Manajemen Risiko Jenjang 6 (oleh Bank • Certification Test of Risk Management Level 6
Victoria); serta (by Bank Victoria); and
• Pendampingan dan Bimbingan Teknis Resertifikasi • Mentoring and Technical Guidance for Recertification of
Manajemen Risiko Jenjang 6 (oleh Bank Victoria). Risk Management Level 6 (by Bank Victoria).
Mira Senior • Expert Sharing: Keuangan Berkelanjutan (oleh Bank Victoria); • Expert Sharing: Sustainable Finance (by Bank Victoria);
Christiana Executive Vice • Pendampingan dan Bimbingan Teknis Resertifikasi • Mentoring and Technical Guidance for Recertification of
President of Manajemen Risiko Jenjang 6 (oleh Bank Victoria); Risk Management Level 6 (by Bank Victoria);
Business • Training Monitoring Kredit (oleh Bank Victoria); • Training on Credit Monitoring (by Bank Victoria);
• Dealing With VUCA Challenges: Contextual Leadership • Dealing With VUCA Challenges: Contextual Leadership
Journey (oleh Bank Victoria); Journey (by Bank Victoria);
• Pembekalan: Pendampingan dan Mekanisme • Briefing: Mentoring and Mechanism for Implementing
Pelaksanaan Resertifikasi Manajemen Risiko Jenjang 6 Recertification of Risk Management Level 6 (by Bank
(oleh Bank Victoria); Victoria);
• Sharing Session: Menjalin Silaturahmi dalam • Sharing Session: Establishing Relationships in
Kebersamaan (oleh Bank Victoria); Togetherness (by Bank Victoria);
• Training dan Outbond (oleh Bank Victoria); • Training and Outbound (by Bank Victoria);
• Corporate Culture dan Service (oleh Bank Victoria); • Corporate Culture and Service (by Bank Victoria);
• Refreshment Manajemen Risiko Level 1 - 4 Badan • Refreshment of Risk Management Level 1 - 4 Risk
Sertifikasi Manajemen Risiko (oleh Efektif Pro); Management Certification Institution (by Efektif Pro);
• Training Penerapan Strategi Anti-Fraud (oleh Victoria • Training on Anti-Fraud Strategy Implementation
Institute); (by Victoria Institute);
• Training Analisa Laporan Keuangan Industri (oleh Bapak • Training on Analysis of Industrial Financial Statements
Nur Rohmat); serta (by Mr. Nur Rohmat); and
• Refrehsment Tipologi Tindak Pidana Pencucian Uang • Refreshment of Typology of Money Laundering Crimes
(TPPU)/Tindak Pidana Pendanaan Terorisme (TPPT)/ (TPPU)/Terrorism Financing Crimes (TPPT)/Proliferation
Pendanaan Proliferasi Senjata Pemusnah Massal (PPSPM) Financing of Weapons of Mass Destruction (PPSPM)
Melalui Kredit dan Treasury (oleh PT Andara Sarana). through Credit and Treasury (by PT Andara Sarana).
Suryadi Senior • Expert Sharing: Keuangan Berkelanjutan (oleh Bank Victoria); • Expert Sharing: Sustainable Finance (by Bank Victoria);
Executive • Expert Sharing Session: Peluang dan Tantangan • Expert Sharing Session: Opportunities and Challenges
Vice President Pembiayaan Bank pada Bisnis Model Multi Finance (oleh of Bank Financing in Multi Finance Business Model
of Finance, Asosiasi Perusahaan Pembiayaan Indonesia); (by Indonesian Financing Company Association);
Accounting & • Dealing With VUCA Challenges: Contextual Leadership • Dealing With VUCA Challenges: Contextual Leadership
Management Journey (oleh Bank Victoria); Journey (by Bank Victoria);
Information • Corporate Culture dan Service (oleh Bank Victoria); • Corporate Culture and Service (by Bank Victoria);
System • Sharing Session: Menjalin Silaturahmi dalam • Sharing Session: Establishing Relationships in
Kebersamaan (oleh Bank Victoria); Togetherness (by Bank Victoria);
• Anti-Fraud (oleh HD Entertainment); • Anti-Fraud (by HD Entertainment);
• Awareness Penerapan Peraturan Otoritas Jasa Keuangan • Awareness of Implementation of Financial Services
Perlindungan Konsumen dan Undang-Undang Authority Regulations on Consumer Protection and
Perlindungan Data Pribadi (oleh RSM Indonesia); Personal Data Protection Law (by RSM Indonesia);
• Pembekalan Manajemen Risiko Jenjang 4 (oleh Lembaga • Briefing of Risk Management Level 4 (by Indonesian
Pengembangan Perbankan Indonesia); Banking Development Institute);
• Sertifikasi dan Resertifikasi Manajemen Risiko Jenjang 4 • Certification and Recertification of Risk Management
dan 5 (oleh Lembaga Sertifikasi Profesional Perbankan); Level 4 and 5 (by Banking Professional Certification
Institute);
• Training Penerapan Strategi Anti-Fraud (oleh Victoria • Training on Anti-Fraud Strategy Implementation
Institute); (by Victoria Institute);
• Uji Sertifikasi Manajemen Risiko Jenjang 5 (oleh Lembaga • Certification Test of Risk Management Level 5
Sertifikasi Profesional Perbankan); (by Banking Professionals Certification Institute);
• Training Pembekalan Manajemen Risiko Jenjang 5 • Briefing Training on Risk Management Level 5
(oleh Lembaga Pengembangan Perbankan Indonesia); (by Indonesian Banking Development Institute);
• Training Pembekalan Manajemen Risiko Jenjang 6 • Briefing Training on Risk Management Level 6
(oleh PT Arfaidhams Secret); serta (by PT Arfaidhams Secret); and
• Uji Sertifikasi Manajemen Risiko Jenjang 6 • Certification Test of Risk Management Level 6
(oleh Lembaga Sertifikasi Profesional Perbankan). (by Banking Professionals Certification Institute).
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Nama Jabatan Materi
Name Position Material
Caprie Ardira Kepala Divisi • Innovate, Invest, Inspire: Strategic Planning for Listed • Innovate, Invest, Inspire: Strategic Planning for Listed
Azhar Corporate Companies in 2024’s Stock Market (oleh Indonesia Companies in 2024’s Stock Market (by Indonesia
Secretary Corporate Secretary Association); Corporate Secretary Association);
Head of • Expert Sharing: Keuangan Berkelanjutan (oleh Bank Victoria); • Expert Sharing: Sustainable Finance (by Bank Victoria);
Corporate • Dealing With VUCA Challenges: Contextual Leadership • Dealing With VUCA Challenges: Contextual Leadership
Secretary Journey (oleh Bank Victoria); Journey (by Bank Victoria);
Division • Refreshment Unit Kompetensi Manajemen Risiko • Refreshment of Risk Management Competency Unit
Jenjang 5 (oleh Efektif Pro); Level 5 (by Efektif Pro);
• Pembekalan: Pendampingan dan Mekanisme • Briefing: Mentoring and Mechanism for Implementing
Pelaksanaan Resertifikasi Manajemen Risiko Jenjang 6 Recertification of Risk Management Level 6 (by Bank
(oleh Bank Victoria); Victoria);
• Sharing Session: Menjalin Silaturahmi dalam Kebersamaan • Sharing Session: Establishing Relationships in Togetherness
(oleh Bank Victoria); (by Bank Victoria);
• Corporate Culture dan Service (oleh Bank Victoria); • Corporate Culture and Service (by Bank Victoria);
• Training Sosialisasi Office 365 (oleh Bank Victoria); • Office 365 Dissemination Training (by Bank Victoria);
• Resertifikasi Manajemen Risiko Jenjang 5 (oleh Lembaga • Recertification of Risk Management Level 5 (by Banking
Sertifikasi Profesi Perbankan); Profession Certification Institution);
• Sharing Session Market Update & Economic Outlook • Sharing Session Market Update & Economic Outlook
(oleh Bank Victoria); (by Bank Victoria);
• Role of Corporate Secretary as BOD Business Partner • Role of Corporate Secretary as BOD Business Partner to
to Boost Sustainability Awareness (oleh Indonesia Boost Sustainability Awareness (by Indonesia Corporate
Corporate Secretary Association); Secretary Association);
• Training Perlindungan Konsumen dan Perlindungan Data • Training on Consumer Protection and Personal Data
Pribadi (oleh Victoria Institute); Protection (by Victoria Institute);
• Pengenalan International Financial Reporting Standards: • Introduction to International Financial Reporting
Sustainability Disclosure Standards S1 dan S2 Standards: Sustainability Disclosure Standards S1 and S2
(oleh Indonesia Corporate Secretary Association); (by Indonesia Corporate Secretary Association);
• Pendalaman Peraturan Otoritas Jasa Keuangan • Intensification of Financial Services Regulation
No. 15/POJK.04/2022 tentang Pemecahan Saham No. 15/POJK.04/2022 on Stock Split and Merger by
dan Penggabungan Saham oleh Perusahaan Terbuka Public Companies (by Indonesia Corporate Secretary
(oleh Indonesia Corporate Secretary Association); Association);
• Refreshment Manajemen Risiko Level 1 - 4 Badan • Refreshment of Risk Management Level 1 - 4 Risk
Sertifikasi Manajemen Risiko (oleh Efektif Pro); Management Certification Institution (by Efektif Pro);
• Training Penerapan Strategi Anti-Fraud (oleh Victoria • Training on Anti-Fraud Strategy Implementation
Institute); (by Victoria Institute);
• Refrehsment Tipologi Tindak Pidana Pencucian Uang • Refreshment of Typology of Money Laundering Crimes
(TPPU)/Tindak Pidana Pendanaan Terorisme (TPPT)/ (TPPU)/Terrorism Financing Crimes (TPPT)/Proliferation
Pendanaan Proliferasi Senjata Pemusnah Massal (PPSPM) Financing of Weapons of Mass Destruction (PPSPM)
Melalui Kredit dan Treasury (oleh PT Andara Sarana); through Credit and Treasury (by PT Andara Sarana);
• Prospek Ekonomi Tahun 2025 Mencapai Indonesia • Economic Prospects in 2025 to Achieve Golden
Emas 2045 (oleh Forum Komunikasi Direktur Kepatuhan Indonesia 2045 (by Communication Forum for Director
Perbankan); serta of Banking Compliance); and
• Seminar Sinergi Emiten Dalam Membangun • Seminar on Issuer Synergy in Establishing Sustainable
Pertumbuhan Ekonomi Berkelanjutan (oleh Asosiasi Economic Growth (by Indonesian Public Listed
Emiten Indonesia). Companies Association).
Djoko Kepala Divisi • Corporate Culture dan Service (oleh Bank Victoria); • Corporate Culture and Service (by Bank Victoria);
Soendjojo SKAI • Expert Sharing: Keuangan Berkelanjutan (oleh Bank Victoria); • Expert Sharing: Sustainable Finance (by Bank Victoria);
Head of SKAI • Pendampingan dan Bimbingan Teknis Resertifikasi • Mentoring and Technical Guidance for Recertification of
Division Manajemen Risiko Jenjang 6 (oleh Bank Victoria); Risk Management Level 6 (by Bank Victoria);
• Dealing With VUCA Challenges: Contextual Leadership • Dealing With VUCA Challenges: Contextual Leadership
Journey (oleh Bank Victoria); Journey (by Bank Victoria);
• Pembekalan: Pendampingan dan Mekanisme • Briefing: Mentoring and Mechanism for Implementing
Pelaksanaan Resertifikasi Manajemen Risiko Jenjang 6 Recertification of Risk Management Level 6
(oleh Bank Victoria); (by Bank Victoria);
• Program Pengkinian Sertifikasi Manajemen Risiko • Update Program of Risk Management Certification
Jenjang 6 (oleh Efektif Pro); Level 6 (by Efektif Pro);
• Sharing Session: Menjalin Silaturahmi dalam Kebersamaan • Sharing Session: Establishing Relationships in Togetherness
(oleh Bank Victoria); (by Bank Victoria);
• Resertifikasi Manajemen Risiko Jenjang 6 (oleh Lembaga • Recertification of Risk Management Level 6 (by Banking
Sertifikasi Profesi Perbankan); Profession Certification Institution);
• Training Sosialisasi Office 365 (oleh Bank Victoria); • Office 365 Dissemination Training (by Bank Victoria);
• Training Sertifikat Elektronik (oleh Kantor Notaris dan • Electronic Certificate Training (by Notary Office and
Pejabat Pembuat Akta Tanah); Land Deed Officials);
• Awareness Penerapan Peraturan Otoritas Jasa Keuangan • Awareness of Implementation of Financial Services
Perlindungan Konsumen dan Undang-Undang Authority Regulations on Consumer Protection and
Perlindungan Data Pribadi (oleh RSM Indonesia); Personal Data Protection Law (by RSM Indonesia);
• Sharing Session Market Update & Economic Outlook • Sharing Session Market Update & Economic Outlook
(oleh Bank Victoria); (by Bank Victoria);
• Training Perlindungan Konsumen dan Perlindungan Data • Training on Consumer Protection and Personal Data
Pribadi (oleh Victoria Institute); Protection (by Victoria Institute);
• Refreshment Manajemen Risiko Level 1 - 4 Badan • Refreshment of Risk Management Level 1 - 4 Risk
Sertifikasi Manajemen Risiko (oleh Efektif Pro); Management Certification Institution (by Efektif Pro);
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Profil Perusahaan
Company Profile
Nama Jabatan Materi
Name Position Material
• Training Penundaan Kewajiban Pembayaran Utang • Training on Debt Payment Suspension (PKPU)
(PKPU) (oleh FKNK Law Firm); (by FKNK Law Firm);
• Training Penerapan Strategi Anti-Fraud (oleh Victoria • Training on Anti-Fraud Strategy Implementation
Institute); (by Victoria Institute);
• Refrehsment Tipologi Tindak Pidana Pencucian Uang • Refreshment of Typology of Money Laundering Crimes
(TPPU)/Tindak Pidana Pendanaan Terorisme (TPPT)/ (TPPU)/Terrorism Financing Crimes (TPPT)/Proliferation
Pendanaan Proliferasi Senjata Pemusnah Massal (PPSPM) Financing of Weapons of Mass Destruction (PPSPM)
Melalui Kredit dan Treasury (oleh PT Andara Sarana); through Credit and Treasury (by PT Andara Sarana);
• Expert Sharing Session: Peluang dan Tantangan • Expert Sharing Session: Opportunities and Challenges
Pembiayaan Bank pada Bisnis Model Multi Finance (oleh of Bank Financing in Multi Finance Business Model
Asosiasi Perusahaan Pembiayaan Indonesia); serta (by Indonesian Financing Company Association); and
• Training Peringatan Hari Anti-korupsi Sedunia (Hakordia) • Training for Commemorating World Anti-Corruption Day
dengan Tema “Teguhkan Komitmen Berantas Korupsi (Hakordia) with the Theme “Strengthening Commitment
untuk Indonesia Maju” (oleh Otoritas Jasa Keuangan to Eradicating Corruption for Advanced Indonesia”
Institute). (by Financial Services Authority Institute).
R.R. Utami Kepala Divisi • Corporate Culture dan Service (oleh Bank Victoria); • Corporate Culture and Service (by Bank Victoria);
Tjipto Compliance, • Expert Sharing: Keuangan Berkelanjutan (oleh Bank Victoria); • Expert Sharing: Sustainable Finance (by Bank Victoria);
System • Dealing With VUCA Challenges: Contextual Leadership • Dealing With VUCA Challenges: Contextual Leadership
Procedure Journey (oleh Bank Victoria); Journey (by Bank Victoria);
& Customer • Sharing Session: Menjalin Silaturahmi dalam Kebersamaan • Sharing Session: Establishing Relationships in Togetherness
Protection (oleh Bank Victoria); (by Bank Victoria);
Head of • Training Sosialisasi Office 365 (oleh Bank Victoria); • Office 365 Dissemination Training (by Bank Victoria);
Compliance, • Awareness Penerapan Peraturan Otoritas Jasa Keuangan • Awareness of Implementation of Financial Services
System Perlindungan Konsumen dan Undang-Undang Authority Regulations on Consumer Protection and
Procedure Perlindungan Data Pribadi (oleh RSM Indonesia); Personal Data Protection Law (by RSM Indonesia);
& Customer • Sharing Session Market Update & Economic Outlook • Sharing Session Market Update & Economic Outlook
Protection (oleh Bank Victoria); (by Bank Victoria);
Division • Training Perlindungan Konsumen dan Perlindungan Data • Training on Consumer Protection and Personal Data
Pribadi (oleh Victoria Institute); Protection (by Victoria Institute);
• Training Penerapan Strategi Anti-Fraud (oleh Victoria • Training on Anti-Fraud Strategy Implementation
Institute); (by Victoria Institute);
• Refrehsment Tipologi Tindak Pidana Pencucian Uang • Refreshment of Typology of Money Laundering Crimes
(TPPU)/Tindak Pidana Pendanaan Terorisme (TPPT)/ (TPPU)/Terrorism Financing Crimes (TPPT)/Proliferation
Pendanaan Proliferasi Senjata Pemusnah Massal (PPSPM) Financing of Weapons of Mass Destruction (PPSPM)
Melalui Kredit dan Treasury (oleh PT Andara Sarana); through Credit and Treasury (by PT Andara Sarana);
• Expert Sharing Session: Peluang dan Tantangan • Expert Sharing Session: Opportunities and Challenges
Pembiayaan Bank pada Bisnis Model Multi Finance of Bank Financing in Multi Finance Business Model
(oleh Asosiasi Perusahaan Pembiayaan Indonesia); (by Indonesian Financing Company Association);
• Training Peringatan Hari Antikorupsi Sedunia (Hakordia) • Training for Commemorating World Anti-Corruption Day
dengan Tema “Teguhkan Komitmen Berantas Korupsi (Hakordia) with the Theme “Strengthening Commitment
untuk Indonesia Maju” (oleh Otoritas Jasa Keuangan to Eradicating Corruption for Advanced Indonesia”
Institute); (by Financial Services Authority Institute);
• Training Pembekalan Manajemen Risiko Jenjang 6 • Briefing Training on Risk Management Level 6
(oleh PT Arfaidhams Secret); serta (by PT Arfaidhams Secret); and
• Uji Sertifikasi Manajemen Risiko Jenjang 6 • Certification Test of Risk Management Level 6
(oleh Lembaga Sertifikasi Profesional Perbankan). (by Banking Professionals Certification Institute).
Sam R. Kepala • Expert Sharing: Keuangan Berkelanjutan (oleh Bank Victoria); • Expert Sharing: Sustainable Finance (by Bank Victoria);
Soelaeman Divisi Risk • Sertifikasi Manajemen Risiko Jenjang 6 (oleh Lembaga • Certification of Risk Management Level 6 (by Indonesian
Management/ Pengembangan Perbankan Indonesia); Banking Development Institute);
Integrated • Dealing With VUCA Challenges: Contextual Leadership • Dealing With VUCA Challenges: Contextual Leadership
Head of Risk Journey (oleh Bank Victoria); Journey (by Bank Victoria);
Management/ • Webinar Manajamen Risiko: Implementasi Manajemen • Risk Management Webinar: Implementation of Risk
Integrated Risiko ISO 31000: 2018 (oleh Perbanas Institute); Management ISO 31000: 2018 (by Perbanas Institute);
Division • Sharing Session: Menjalin Silaturahmi dalam • Sharing Session: Establishing Relationships in
Kebersamaan (oleh Bank Victoria); Togetherness (by Bank Victoria);
• Corporate Culture dan Service (oleh Bank Victoria); • Corporate Culture and Service (by Bank Victoria);
• Konvensi Nasional Rancangan Standar Kompetensi Kerja • National Convention of the Draft of Indonesian National
Nasional Indonesia (RSKKNI) Bidang Manajemen Risiko Work Competency Standards (RSKKNI) in Banking Risk
Perbankan (oleh Otoritas Jasa Keuangan Institute); Management (by Financial Services Authority Institute);
• Training Sosialisasi Office 365 (oleh Bank Victoria); • Office 365 Dissemination Training (by Bank Victoria);
• Awareness Penerapan Peraturan Otoritas Jasa Keuangan • Awareness of Implementation of Financial Services
Perlindungan Konsumen dan Undang-Undang Authority Regulations on Consumer Protection and
Perlindungan Data Pribadi (oleh RSM Indonesia); Personal Data Protection Law (by RSM Indonesia);
• Sharing Session Market Update & Economic Outlook • Sharing Session Market Update & Economic Outlook
(oleh Bank Victoria); (by Bank Victoria);
• Training Perlindungan Konsumen dan Perlindungan Data • Training on Consumer Protection and Personal Data
Pribadi (oleh Victoria Institute); Protection (by Victoria Institute);
• Training Penerapan Strategi Anti-Fraud (oleh Victoria • Training on Anti-Fraud Strategy Implementation
Institute); serta (by Victoria Institute); and
• Refrehsment Tipologi Tindak Pidana Pencucian Uang • Refreshment of Typology of Money Laundering Crimes
(TPPU)/Tindak Pidana Pendanaan Terorisme (TPPT)/ (TPPU)/Terrorism Financing Crimes (TPPT)/Proliferation
Pendanaan Proliferasi Senjata Pemusnah Massal (PPSPM) Financing of Weapons of Mass Destruction (PPSPM)
Melalui Kredit dan Treasury (oleh PT Andara Sarana), through Credit and Treasury (by PT Andara Sarana),
82 PT Bank Victoria International Tbk | Laporan Tahunan dan Keberlanjutan 2024 Annual and Sustainability Report
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Nama Jabatan Materi
Name Position Material
Elies Kepala Divisi • Sharing Session: Hargai Hidupmu (oleh Bank Victoria); • Sharing Session: Valuing Your Life (by Bank Victoria);
Gunawan International • Refreshment Unit Kompetensi Manajemen Risiko • Refreshment of Risk Management Competency Unit
Banking Jenjang 5 (oleh Efektif Pro); Level 5 (by Efektif Pro);
Head of • Pembekalan: Pendampingan dan Mekanisme • Briefing: Mentoring and Mechanism for Implementing
International Pelaksanaan Resertifikasi Manajemen Risiko Jenjang 5 Recertification of Risk Management Level 5 (by Bank
Banking (oleh Bank Victoria); Victoria);
Division • Sharing Session: Blessing in Faithfulness (oleh Bank • Sharing Session: Blessing in Faithfulness (by Bank
Victoria); Victoria);
• Training Complience Champion (oleh Bank Victoria); • Training Compliance Champion (by Bank Victoria);
• Sharing Knowledge MT1XX, MT2XX, Preview ISO20022 • Sharing Knowledge of MT1XX, MT2XX, Preview
MX SWIFT Format dan RMA PORTAL SWIFT (oleh ISO20022 MX SWIFT Format and RMA SWIFT PORTAL
Asosiasi SWIFT Indonesia); (by Indonesian SWIFT Association);
• Corporate Culture dan Service (oleh Bank Victoria); • Corporate Culture and Service (by Bank Victoria);
• Sharing Session: Menjalin Silaturahmi dalam • Sharing Session: Establishing Relationships in
Kebersamaan (oleh Bank Victoria); Togetherness (by Bank Victoria);
• Sharing Session: Melawan Rasa Takut (oleh Bank Victoria); • Sharing Session: Fighting the Fear (by Bank Victoria);
• Sharing Session: Bersyukur dalam Kehidupan (oleh Bank • Sharing Session: Being Grateful in Life (by Bank Victoria);
Victoria);
• Resertifikasi Manajemen Risiko Jenjang 5 (oleh Lembaga • Recertification of Risk Management Level 5 (by Banking
Sertifikasi Profesi Perbankan); Profession Certification Institution);
• Training Sosialisasi Office 365 (oleh Bank Victoria); • Office 365 Dissemination Training (by Bank Victoria);
• Sharing Session: Perubahan Paradigma (oleh Bank Victoria); • Sharing Session: Paradigm Shift (by Bank Victoria);
• Sharing Session: Bangkit dari Keterpurukan (oleh Bank • Sharing Session: Rising from the Downturn (by Bank
Victoria); Victoria);
• Transport Undangan Customer Gathering PT Praweda • Transport Invitation of Customer Gathering of PT Praweda
Ciptakarsa Informatika (oleh Soedarpo Informatika); Ciptakarsa Informatika (by Soedarpo Informatika);
• Partisipasi Bulan Literasi Perdagangan Berjangka • Participation in Literacy Month on the 2024 Commodity
Komoditi 2024 (oleh Asosiasi Perdagangan Berjangka Futures Trading (by Indonesian Commodity Futures
Komoditi Indonesia); Trading Association);
• Sharing Session Market Update & Economic Outlook • Sharing Session Market Update & Economic Outlook
(oleh Bank Victoria); (by Bank Victoria);
• Training Perlindungan Konsumen dan Perlindungan Data • Training on Consumer Protection and Personal Data
Pribadi (oleh Victoria Institute); Protection (by Victoria Institute);
• Gathering (AMG) dan User Group Meeting (UGM) 2024 • Gathering (AMG) and User Group Meeting (UGM) 2024
(oleh Asosiasi SWIFT Indonesia); (by Indonesian SWIFT Association);
• Training Penerapan Strategi Anti-Fraud (oleh Victoria • Training on Anti-Fraud Strategy Implementation
Institute); (by Victoria Institute);
• Refrehsment Tipologi Tindak Pidana Pencucian Uang • Refreshment of Typology of Money Laundering Crimes
(TPPU)/Tindak Pidana Pendanaan Terorisme (TPPT)/ (TPPU)/Terrorism Financing Crimes (TPPT)/Proliferation
Pendanaan Proliferasi Senjata Pemusnah Massal (PPSPM) Financing of Weapons of Mass Destruction (PPSPM)
Melalui Kredit dan Treasury (oleh PT Andara Sarana); serta through Credit and Treasury (by PT Andara Sarana); and
• Coaching dan Sharing Session Kepala Operasional (oleh • Coaching and Sharing Session of the Head of Operations
Bank Victoria). (by Bank Victoria).
Ritayana Kepala Divisi • Corporate Culture dan Service (oleh Bank Victoria); • Corporate Culture and Service (by Bank Victoria);
Treasury • Sharing Session: Semua Dimulai dari Keluarga • Sharing Session: Everything Begins with Family
Head of (oleh Bank Victoria); (by Bank Victoria);
Treasury • Sharing Session: Learn For Release (oleh Bank Victoria); • Sharing Session: Learn For Release (by Bank Victoria);
Division • Expert Sharing: Keuangan Berkelanjutan (oleh Bank • Expert Sharing: Sustainable Finance (by Bank Victoria);
Victoria);
• Pendampingan dan Bimbingan Teknis Resertifikasi • Mentoring and Technical Guidance for Recertification of
Manajemen Risiko Jenjang 6 (oleh Bank Victoria); Risk Management Level 6 (by Bank Victoria);
• Sharing Session: Dream and Faith (oleh Bank Victoria); • Sharing Session: Dream and Faith (by Bank Victoria);
• Sharing Session: Hargai Hidupmu (oleh Bank Victoria); • Sharing Session: Valuing Your Life (by Bank Victoria);
• Dealing With VUCA Challenges: Contextual Leadership • Dealing With VUCA Challenges: Contextual Leadership
Journey (oleh Bank Victoria); Journey (by Bank Victoria);
• Pembekalan: Pendampingan dan Mekanisme • Briefing: Mentoring and Mechanism for Implementing
Pelaksanaan Resertifikasi Manajemen Risiko Jenjang 6 Recertification of Risk Management Level 6 (by Bank
(oleh Bank Victoria); Victoria);
• Sharing Session: Blessing in Faithfulness (oleh Bank • Sharing Session: Blessing in Faithfulness (by Bank
Victoria); Victoria);
• Program Pengkinian Sertifikasi Manajemen Risiko • Update Program of Risk Management Certification
Jenjang 6 (oleh Efektif Pro); Level 6 (by Efektif Pro);
• Undangan Acara BCA Bonds Course Games 2024 (oleh • Invitation to BCA Bonds Course Games 2024 (by Bank
Bank Central Asia); Central Asia);
• Sharing Session: Hidup Lebih Bermakna (oleh Bank • Sharing Session: A More Meaningful Life (by Bank
Victoria); Victoria);
• Sharing Session: Menjalin Silaturahmi dalam • Sharing Session: Establishing Relationships in
Kebersamaan (oleh Bank Victoria); Togetherness (by Bank Victoria);
• Sharing Session: Melawan Rasa Takut (oleh Bank • Sharing Session: Fighting the Fear (by Bank Victoria);
Victoria);
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Profil Perusahaan
Company Profile
Nama Jabatan Materi
Name Position Material
• Sharing Session: Bersyukur dalam Kehidupan (oleh Bank • Sharing Session: Being Grateful in Life (by Bank Victoria);
Victoria);
• Resertifikasi Manajemen Risiko Jenjang 6 (oleh Lembaga • Recertification of Risk Management Level 6 (by Banking
Sertifikasi Profesi Perbankan); Profession Certification Institution);
• Training Sosialisasi Office 365 (oleh Bank Victoria); • Office 365 Dissemination Training (by Bank Victoria);
• Sharing Session: Perubahan Paradigma (oleh Bank • Sharing Session: Paradigm Shift (by Bank Victoria);
Victoria);
• Sharing Session: Bangkit dari Keterpurukan (oleh Bank • Sharing Session: Rising from the Downturn (by Bank
Victoria); Victoria);
• Sharing Session Market Update & Economic Outlook • Sharing Session Market Update & Economic Outlook
(oleh Bank Victoria); (by Bank Victoria);
• Training Perlindungan Konsumen dan Perlindungan Data • Training on Consumer Protection and Personal Data
Pribadi (oleh Victoria Institute); Protection (by Victoria Institute);
• Refreshment Manajemen Risiko Level 1 - 4 Badan • Refreshment of Risk Management Level 1 - 4 Risk
Sertifikasi Manajemen Risiko (oleh Efektif Pro); Management Certification Institution (by Efektif Pro);
• Training Penerapan Strategi Anti-Fraud (oleh Victoria • Training on Anti-Fraud Strategy Implementation
Institute); serta (by Victoria Institute); and
• Refrehsment Tipologi Tindak Pidana Pencucian Uang • Refreshment of Typology of Money Laundering Crimes
(TPPU)/Tindak Pidana Pendanaan Terorisme (TPPT)/ (TPPU)/Terrorism Financing Crimes (TPPT)/Proliferation
Pendanaan Proliferasi Senjata Pemusnah Massal (PPSPM) Financing of Weapons of Mass Destruction (PPSPM)
Melalui Kredit dan Treasury (oleh PT Andara Sarana). through Credit and Treasury (by PT Andara Sarana).
Theresia Kepala Divisi • Sharing Session: Semua Dimulai dari Keluarga (oleh Bank • Sharing Session: Everything Begins with Family
Maria Operations Victoria); (by Bank Victoria);
Dhewajani & Internal • Sharing Session: Learn For Release (oleh Bank Victoria); • Sharing Session: Learn For Release (by Bank Victoria);
Control • Expert Sharing: Keuangan Berkelanjutan (oleh Bank • Expert Sharing: Sustainable Finance (by Bank Victoria);
Head of Victoria);
Operations • Pendampingan dan Bimbingan Teknis Resertifikasi • Mentoring and Technical Guidance for Recertification of
& Internal Manajemen Risiko Jenjang 6 (oleh Bank Victoria); Risk Management Level 6 (by Bank Victoria);
Control • Sharing Session: Dream and Faith (oleh Bank Victoria); • Sharing Session: Dream and Faith (by Bank Victoria);
Division • Sharing Session: Hargai Hidupmu (oleh Bank Victoria); • Sharing Session: Valuing Your Life (by Bank Victoria);
• Dealing With VUCA Challenges: Contextual Leadership • Dealing With VUCA Challenges: Contextual Leadership
Journey (oleh Bank Victoria); Journey (by Bank Victoria);
• Pembekalan: Pendampingan dan Mekanisme • Briefing: Mentoring and Mechanism for Implementing
Pelaksanaan Resertifikasi Manajemen Risiko Jenjang 6 Recertification of Risk Management Level 6 (by Bank
(oleh Bank Victoria); Victoria);
• Sharing Session: Blessing in Faithfulness (oleh Bank • Sharing Session: Blessing in Faithfulness (by Bank
Victoria); Victoria);
• Program Pengkinian Sertifikasi Manajemen Risiko • Update Program of Risk Management Certification Level
Jenjang 6 (oleh Efektif Pro); 6 (by Efektif Pro);
• Corporate Culture dan Service (oleh Bank Victoria); • Corporate Culture and Service (by Bank Victoria);
• Sharing Session: Menjalin Silaturahmi dalam • Sharing Session: Establishing Relationships in
Kebersamaan (oleh Bank Victoria); Togetherness (by Bank Victoria);
• Sharing Session: Melawan Rasa Takut (oleh Bank Victoria); • Sharing Session: Fighting the Fear (by Bank Victoria);
• Sharing Session: Bersyukur dalam Kehidupan (oleh Bank • Sharing Session: Being Grateful in Life (by Bank Victoria);
Victoria);
• Peluang dan Tantangan Perlindungan Data Pribadi dalam • Opportunities and Challenges of Personal Data
Transaksi di Era Digital (oleh Otoritas Jasa Keuangan); Protection in Transactions in the Digital Era (by Financial
Services Authority);
• Resertifikasi Manajemen Risiko Jenjang 6 (oleh Lembaga • Recertification of Risk Management Level 6 (by Banking
Sertifikasi Profesi Perbankan); Profession Certification Institution);
• Training Sosialisasi Office 365 (oleh Bank Victoria); • Office 365 Dissemination Training (by Bank Victoria);
• Sharing Session: Perubahan Paradigma (oleh Bank • Sharing Session: Paradigm Shift (by Bank Victoria);
Victoria);
• Sharing Session: Bangkit dari Keterpurukan (oleh Bank • Sharing Session: Rising from the Downturn (by Bank
Victoria); Victoria);
• Awareness Penerapan Peraturan Otoritas Jasa Keuangan • Awareness of Implementation of Financial Services
Perlindungan Konsumen dan Undang-Undang Authority Regulations on Consumer Protection and
Perlindungan Data Pribadi (oleh RSM Indonesia); Personal Data Protection Law (by RSM Indonesia);
• Customer Due Diligence Khusus Warga Negara Asing • Customer Due Diligence Specifically for Foreign Citizens
(oleh PT Hadi Abiez Entertaiment); (by PT Hadi Abiez Entertainment);
• Sharing Session Market Update & Economic Outlook • Sharing Session Market Update & Economic Outlook
(oleh Bank Victoria); (by Bank Victoria);
• Training Perlindungan Konsumen dan Perlindungan Data • Training on Consumer Protection and Personal Data
Pribadi (oleh Victoria Institute); Protection (by Victoria Institute);
• Refreshment Manajemen Risiko Level 1 - 4 Badan • Refreshment of Risk Management Level 1 - 4 Risk
Sertifikasi Manajemen Risiko (oleh Efektif Pro); Management Certification Institution (by Efektif Pro);
• Sertifikasi Sistem Pembayaran dan Pengelolaan Uang • Payment System Certification and Rupiah Money
Rupiah Jenjang 6: Pengelolaan Uang Tunai (oleh Lembaga Management Level 6: Cash Management (by Indonesian
Sertifikasi Profesi Sistem Pembayaran Indonesia); Payment System Profession Certification Institute);
• Training Penerapan Strategi Anti-Fraud (oleh Victoria • Training on Anti-Fraud Strategy Implementation
Institute); (by Victoria Institute);
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Nama Jabatan Materi
Name Position Material
• Refrehsment Tipologi Tindak Pidana Pencucian Uang • Refreshment of Typology of Money Laundering Crimes
(TPPU)/Tindak Pidana Pendanaan Terorisme (TPPT)/ (TPPU)/Terrorism Financing Crimes (TPPT)/Proliferation
Pendanaan Proliferasi Senjata Pemusnah Massal (PPSPM) Financing of Weapons of Mass Destruction (PPSPM)
Melalui Kredit dan Treasury (oleh PT Andara Sarana); through Credit and Treasury (by PT Andara Sarana);
• Training Sistem Pembayaran dan Pengelolaan Uang • Training on Payment System and Rupiah Money
Rupiah: Pengelolaan Uang Tunai Jenjang 6 (oleh Management: Cash Management Level 6 (by Praveena
Lembaga Pelatihan Kerja Praveena); Job Training Institute);
• Coaching dan Sharing Session Kepala Operasional (oleh • Coaching and Sharing Session of the Head of Operations
Bank Victoria); serta (by Bank Victoria); and
• Training Interactive Motivational Leadership: • Training Interactive Motivational Leadership:
Transformational Leadership (oleh Bapak Louis Transformational Leadership (by Mr. Louis Sastrawijaya).
Sastrawijaya).
Yosef Kepala Divisi • Corporate Culture dan Service (oleh Bank Victoria); • Corporate Culture and Service (by Bank Victoria);
Sudikbyo Corporate • Dealing With VUCA Challenges: Contextual Leadership • Dealing With VUCA Challenges: Contextual Leadership
Legal Journey (oleh Bank Victoria); Journey (by Bank Victoria);
Head of • Refreshment Unit Kompetensi Manajemen Risiko • Refreshment of Risk Management Competency Unit
Corporate Jenjang 5 (oleh Efektif Pro); Level 5 (by Efektif Pro);
Legal Division • Pembekalan: Pendampingan dan Mekanisme • Briefing: Mentoring and Mechanism for Implementing
Pelaksanaan Resertifikasi Manajemen Risiko Jenjang 5 Recertification of Risk Management Level 5 (by Bank
(oleh Bank Victoria); Victoria);
• Sharing Session: Menjalin Silaturahmi dalam • Sharing Session: Establishing Relationships in
Kebersamaan (oleh Bank Victoria); Togetherness (by Bank Victoria);
• Training Sosialisasi Office 365 (oleh Bank Victoria); • Office 365 Dissemination Training (by Bank Victoria);
• Resertifikasi Manajemen Risiko Jenjang 5 (oleh Lembaga • Recertification of Risk Management Level 5 (by Banking
Sertifikasi Profesi Perbankan); Profession Certification Institution);
• Training Sertifikat Elektronik (oleh Kantor Notaris dan • Electronic Certificate Training (by Notary Office and
Pejabat Pembuat Akta Tanah); Land Deed Officials);
• Resertifikasi Manajemen Risiko Jenjang 4 dan Jenjang 5 • Recertification of Risk Management Level 4 and Level 5
(oleh Lembaga Sertifikasi Profesi Perbankan); (by Banking Profession Certification Institution);
• Sharing Session Market Update & Economic Outlook • Sharing Session Market Update & Economic Outlook
(oleh Bank Victoria); (by Bank Victoria);
• Training Perlindungan Konsumen dan Perlindungan Data • Training on Consumer Protection and Personal Data
Pribadi (oleh Victoria Institute); Protection (by Victoria Institute);
• Refreshment Manajemen Risiko Level 1 - 4 Badan • Refreshment of Risk Management Level 1 - 4 Risk
Sertifikasi Manajemen Risiko (oleh Efektif Pro); Management Certification Institution (by Efektif Pro);
• Training Penerapan Strategi Anti-Fraud (oleh Victoria • Training on Anti-Fraud Strategy Implementation
Institute); serta (by Victoria Institute); and
• Training Penundaan Kewajiban Pembayaran Utang • Training on Debt Payment Suspension (PKPU) (by FKNK
(PKPU) (oleh FKNK Law Firm). Law Firm).
Novita Kepala Divisi • Sharing Session: Semua Dimulai dari Keluarga (oleh Bank • Sharing Session: Everything Begins with Family (by Bank
Indriyani Credit Legal Victoria); Victoria);
Head of Credit • Sharing Session: Learn for Release (oleh Bank Victoria); • Sharing Session: Learn for Release (by Bank Victoria);
Legal Division • Expert Sharing: Keuangan Berkelanjutan (oleh Bank • Expert Sharing: Sustainable Finance (by Bank Victoria);
Victoria);
• Pendampingan dan Bimbingan Teknis Resertifikasi • Mentoring and Technical Guidance for Recertification of
Manajemen Risiko Jenjang 6 (oleh Bank Victoria); Risk Management Level 6 (by Bank Victoria);
• Sharing Session: Dream and Faith (oleh Bank Victoria); • Sharing Session: Dream and Faith (by Bank Victoria);
• Sharing Session: Hargai Hidupmu (oleh Bank Victoria); • Sharing Session: Valuing Your Life (by Bank Victoria);
• Dealing With VUCA Challenges: Contextual Leadership • Dealing With VUCA Challenges: Contextual Leadership
Journey (oleh Bank Victoria); Journey (by Bank Victoria);
• Pembekalan: Pendampingan dan Mekanisme • Briefing: Mentoring and Mechanism for Implementing
Pelaksanaan Resertifikasi Manajemen Risiko Jenjang 6 Recertification of Risk Management Level 6 (by Bank
(oleh Bank Victoria); Victoria);
• Sharing Session: Blessing in Faithfulness (oleh Bank • Sharing Session: Blessing in Faithfulness (by Bank
Victoria); Victoria);
• Program Pengkinian Sertifikasi Manajemen Risiko • Update Program of Risk Management Certification Level
Jenjang 6 (oleh Efektif Pro); 6 (by Efektif Pro);
• Sharing Session: Hidup Lebih Bermakna (oleh Bank • Sharing Session: A More Meaningful Life (by Bank
Victoria); Victoria);
• Sharing Session: Menjalin Silaturahmi dalam • Sharing Session: Establishing Relationships in
Kebersamaan (oleh Bank Victoria); Togetherness (by Bank Victoria);
• Sharing Session: Melawan Rasa Takut (oleh Bank • Sharing Session: Fighting the Fear (by Bank Victoria);
Victoria);
• Corporate Culture dan Service (oleh Bank Victoria); • Corporate Culture and Service (by Bank Victoria);
• Resertifikasi Manajemen Risiko Jenjang 6 (oleh Lembaga • Recertification of Risk Management Level 6 (by Banking
Sertifikasi Profesi Perbankan); Profession Certification Institution);
• Training Sosialisasi Office 365 (oleh Bank Victoria); • Office 365 Dissemination Training (by Bank Victoria);
• Training Sertifikat Elektronik (oleh Kantor Notaris dan • Electronic Certificate Training (by Notary Office and
Pejabat Pembuat Akta Tanah); Land Deed Officials);
• Sharing Session Market Update & Economic Outlook • Sharing Session Market Update & Economic Outlook (by
(oleh Bank Victoria); Bank Victoria);
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Profil Perusahaan
Company Profile
Nama Jabatan Materi
Name Position Material
• Training Perlindungan Konsumen dan Perlindungan Data • Training on Consumer Protection and Personal Data
Pribadi (oleh Victoria Institute); Protection (by Victoria Institute);
• Refreshment Manajemen Risiko Level 1 - 4 Badan • Refreshment of Risk Management Level 1 - 4 Risk
Sertifikasi Manajemen Risiko (oleh Efektif Pro); Management Certification Institution (by Efektif Pro);
• Training Penerapan Strategi Anti-Fraud (oleh Victoria • Training on Anti-Fraud Strategy Implementation (by
Institute); Victoria Institute);
• Training Penundaan Kewajiban Pembayaran Utang • Training on Debt Payment Suspension (PKPU) (by FKNK
(PKPU) (oleh FKNK Law Firm); serta Law Firm); and
• Refrehsment Tipologi Tindak Pidana Pencucian Uang • Refreshment of Typology of Money Laundering Crimes
(TPPU)/Tindak Pidana Pendanaan Terorisme (TPPT)/ (TPPU)/Terrorism Financing Crimes (TPPT)/Proliferation
Pendanaan Proliferasi Senjata Pemusnah Massal (PPSPM) Financing of Weapons of Mass Destruction (PPSPM)
Melalui Kredit dan Treasury (oleh PT Andara Sarana). through Credit and Treasury (by PT Andara Sarana).
Teguh Trisno Kepala Divisi • Expert Sharing: Keuangan Berkelanjutan (oleh Bank • Expert Sharing: Sustainable Finance (by Bank Victoria);
Pambudi Credit Risk Victoria);
Review • Pendampingan dan Bimbingan Teknis Resertifikasi • Mentoring and Technical Guidance for Recertification of
Head of Credit Manajemen Risiko Jenjang 6 (oleh Bank Victoria); Risk Management Level 6 (by Bank Victoria);
Risk Review • Dealing With VUCA Challenges: Contextual Leadership • Dealing With VUCA Challenges: Contextual Leadership
Division Journey (oleh Bank Victoria); Journey (by Bank Victoria);
• Pembekalan: Pendampingan dan Mekanisme • Briefing: Mentoring and Mechanism for Implementing
Pelaksanaan Resertifikasi Manajemen Risiko Jenjang 6 Recertification of Risk Management Level 6 (by Bank
(oleh Bank Victoria); Victoria);
• Program Pengkinian Sertifikasi Manajemen Risiko • Update Program of Risk Management Certification
Jenjang 6 (oleh Efektif Pro); Level 6 (by Efektif Pro);
• Sharing Session: Menjalin Silaturahmi dalam • Sharing Session: Establishing Relationships in
Kebersamaan (oleh Bank Victoria); Togetherness (by Bank Victoria);
• Corporate Culture dan Service (oleh Bank Victoria); • Corporate Culture and Service (by Bank Victoria);
• Resertifikasi Manajemen Risiko Jenjang 6 (oleh Lembaga • Recertification of Risk Management Level 6 (by Banking
Sertifikasi Profesi Perbankan); Profession Certification Institution);
• Training Sosialisasi Office 365 (oleh Bank Victoria); • Office 365 Dissemination Training (by Bank Victoria);
• Training Sertifikat Elektronik (oleh Kantor Notaris dan • Electronic Certificate Training (by Notary Office and
Pejabat Pembuat Akta Tanah); Land Deed Officials);
• Sharing Session Market Update & Economic Outlook • Sharing Session Market Update & Economic Outlook
(oleh Bank Victoria); (by Bank Victoria);
• Training Perlindungan Konsumen dan Perlindungan Data • Training on Consumer Protection and Personal Data
Pribadi (oleh Victoria Institute); Protection (by Victoria Institute);
• Refreshment Manajemen Risiko Level 1 - 4 Badan • Refreshment of Risk Management Level 1 - 4 Risk
Sertifikasi Manajemen Risiko (oleh Efektif Pro); Management Certification Institution (by Efektif Pro);
• Training Penerapan Strategi Anti-Fraud (oleh Victoria • Training on Anti-Fraud Strategy Implementation
Institute); (by Victoria Institute);
• Training Penundaan Kewajiban Pembayaran Utang • Training on Debt Payment Suspension (PKPU) (by FKNK
(PKPU) (oleh FKNK Law Firm); Law Firm);
• Training Analisa Laporan Keuangan Industri • Training on Analysis of Industrial Financial Statements
(oleh Bapak Nur Rohmat); (by Mr. Nur Rohmat); and
• Refrehsment Tipologi Tindak Pidana Pencucian Uang • Refreshment of Typology of Money Laundering Crimes
(TPPU)/Tindak Pidana Pendanaan Terorisme (TPPT)/ (TPPU)/Terrorism Financing Crimes (TPPT)/Proliferation
Pendanaan Proliferasi Senjata Pemusnah Massal (PPSPM) Financing of Weapons of Mass Destruction (PPSPM)
Melalui Kredit dan Treasury (oleh PT Andara Sarana); through Credit and Treasury (by PT Andara Sarana);
• Expert Sharing Session: Peluang dan Tantangan • Expert Sharing Session: Opportunities and Challenges
Pembiayaan Bank pada Bisnis Model Multi Finance (oleh of Bank Financing in Multi Finance Business Model (by
Asosiasi Perusahaan Pembiayaan Indonesia). Indonesian Financing Company Association).
David Fisher Kepala Divisi • Expert Sharing: Keuangan Berkelanjutan (oleh Bank • Expert Sharing: Sustainable Finance (by Bank Victoria);
Kusnadi SME I & Victoria);
Consumer • Sharing Session: Dream and Faith (oleh Bank Victoria); • Sharing Session: Dream and Faith (by Bank Victoria);
Banking • Sharing Session: Hargai Hidupmu (oleh Bank Victoria); • Sharing Session: Valuing Your Life (by Bank Victoria);
Head of SME I • Dealing With VUCA Challenges: Contextual Leadership • Dealing With VUCA Challenges: Contextual Leadership
& Consumer Journey (oleh Bank Victoria); Journey (by Bank Victoria);
Banking • Sharing Session: Blessing in Faithfulness (oleh Bank • Sharing Session: Blessing in Faithfulness (by Bank
Division Victoria); Victoria);
• Sharing Session: Menjalin Silaturahmi dalam Kebersamaan • Sharing Session: Establishing Relationships in Togetherness
(oleh Bank Victoria); (by Bank Victoria);
• Training dan Outbond (oleh Bank Victoria); • Training and Outbound (by Bank Victoria);
• Corporate Culture dan Service (oleh Bank Victoria); • Corporate Culture and Service (by Bank Victoria);
• Training Sosialisasi Office 365 (oleh Bank Victoria); • Office 365 Dissemination Training (by Bank Victoria);
• Program Pengkinian Sertifikasi Manajemen Risiko • Update Program of Risk Management Certification
Jenjang 7 (oleh Efektif Pro); Level 7 (by Efektif Pro);
• Sharing Session: Bangkit dari Keterpurukan (oleh Bank • Sharing Session: Rising from the Downturn (by Bank
Victoria); Victoria);
• Sharing Session Market Update & Economic Outlook • Sharing Session Market Update & Economic Outlook
(oleh Bank Victoria); (by Bank Victoria);
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Nama Jabatan Materi
Name Position Material
• Training Perlindungan Konsumen dan Perlindungan Data • Training on Consumer Protection and Personal Data
Pribadi (oleh Victoria Institute); Protection (by Victoria Institute);
• Refreshment Manajemen Risiko Level 1 - 4 Badan • Refreshment of Risk Management Level 1 - 4 Risk
Sertifikasi Manajemen Risiko (oleh Efektif Pro); Management Certification Institution (by Efektif Pro);
• Training Analisa Laporan Keuangan Industri • Training on Analysis of Industrial Financial Statements
(oleh Bapak Nur Rohmat); (by Mr. Nur Rohmat); and
• Training Penerapan Strategi Anti-Fraud (oleh Victoria • Training on Anti-Fraud Strategy Implementation
Institute); (by Victoria Institute);
• Refrehsment Tipologi Tindak Pidana Pencucian Uang • Refreshment of Typology of Money Laundering Crimes
(TPPU)/Tindak Pidana Pendanaan Terorisme (TPPT)/ (TPPU)/Terrorism Financing Crimes (TPPT)/Proliferation
Pendanaan Proliferasi Senjata Pemusnah Massal (PPSPM) Financing of Weapons of Mass Destruction (PPSPM)
Melalui Kredit dan Treasury (oleh PT Andara Sarana); serta through Credit and Treasury (by PT Andara Sarana); and
• Expert Sharing Session: Peluang dan Tantangan • Expert Sharing Session: Opportunities and Challenges
Pembiayaan Bank pada Bisnis Model Multi Finance of Bank Financing in Multi Finance Business Model
(oleh Asosiasi Perusahaan Pembiayaan Indonesia). (by Indonesian Financing Company Association).
Angeline Kepala Divisi • Training Sosialisasi Office 365 (oleh Bank Victoria); • Office 365 Dissemination Training (by Bank Victoria);
SME II Banking • Anti-Fraud (oleh HD Entertainment); • Anti-Fraud (by HD Entertainment);
Head of SME II • Training Induction Program (oleh Bank Victoria); • Training Induction Program (by Bank Victoria);
Banking Division • Sharing Session Market Update & Economic Outlook • Sharing Session Market Update & Economic Outlook
(oleh Bank Victoria); (by Bank Victoria);
• Training Perlindungan Konsumen dan Perlindungan Data • Training on Consumer Protection and Personal Data
Pribadi (oleh Victoria Institute); Protection (by Victoria Institute);
• Uji Sertifikasi Manajemen Risiko Jenjang 5 (oleh Lembaga • Certification Test of Risk Management Level 5
Sertifikasi Profesional Perbankan); (by Banking Professionals Certification Institute);
• Training Analisa Laporan Keuangan Industri (oleh Bapak • Training on Analysis of Industrial Financial Statements
Nur Rohmat); (by Mr. Nur Rohmat);
• Expert Sharing Session: Peluang dan Tantangan • Expert Sharing Session: Opportunities and Challenges
Pembiayaan Bank pada Bisnis Model Multi Finance of Bank Financing in Multi Finance Business Model
(oleh Asosiasi Perusahaan Pembiayaan Indonesia); (by Indonesian Financing Company Association);
• Training Pembekalan Manajemen Risiko Jenjang 5 • Briefing Training on Risk Management Level 5
(oleh Lembaga Pengembangan Perbankan Indonesia); (by Indonesian Banking Development Institute);
• Training Pembekalan Manajemen Risiko Jenjang 6 • Briefing Training on Risk Management Level 6
(oleh PT Arfaidhams Secret); serta (by PT Arfaidhams Secret); and
• Uji Sertifikasi Manajemen Risiko Jenjang 6 (oleh Lembaga • Certification Test of Risk Management Level 6
Sertifikasi Profesional Perbankan). (by Banking Professionals Certification Institute).
Franky Kepala Divisi • Sharing Session: Semua Dimulai dari Keluarga (oleh Bank • Sharing Session: Everything Begins with Family (by Bank
Lazuardi Branch Victoria); Victoria);
Banking • Sharing Session: Learn for Release (oleh Bank Victoria); • Sharing Session: Learn for Release (by Bank Victoria);
Network • Corporate Culture dan Service (oleh Bank Victoria); • Corporate Culture and Service (by Bank Victoria);
Head of Branch • Sharing Session: Hargai Hidupmu (oleh Bank Victoria); • Sharing Session: Valuing Your Life (by Bank Victoria);
Banking • Dealing With VUCA Challenges: Contextual Leadership • Dealing With VUCA Challenges: Contextual Leadership
Network Journey (oleh Bank Victoria); Journey (by Bank Victoria);
Division • Pembekalan: Pendampingan dan Mekanisme • Briefing: Mentoring and Mechanism for Implementing
Pelaksanaan Resertifikasi Manajemen Risiko Jenjang 6 Recertification of Risk Management Level 6 (by Bank
(oleh Bank Victoria); Victoria);
• Resertifikasi Manajemen Risiko Jenjang 6 (oleh Lembaga • Recertification of Risk Management Level 6 (by Banking
Sertifikasi Profesi Perbankan); Profession Certification Institution);
• Refreshment Unit Kompetensi Manajemen Risiko • Refreshment of Risk Management Competency Unit
Jenjang 5 (oleh Efektif Pro); Level 5 (by Efektif Pro);
• Sharing Session: Blessing in Faithfulness (oleh Bank • Sharing Session: Blessing in Faithfulness (by Bank
Victoria); Victoria);
• Sosialisasi dan Training Victoria Mobile (oleh Bank • Dissemination and Training of Victoria Mobile (by Bank
Victoria); Victoria);
• Sharing Session: Menjalin Silaturahmi dalam • Sharing Session: Establishing Relationships in
Kebersamaan (oleh Bank Victoria); Togetherness (by Bank Victoria);
• Sharing Session: Melawan Rasa Takut (oleh Bank • Sharing Session: Fighting the Fear (by Bank Victoria);
Victoria);
• Sharing Session: Bangkit dari Keterpurukan (oleh Bank • Sharing Session: Rising from the Downturn (by Bank
Victoria); Victoria);
• Fact Finding Customer Needs & Customer Profiling (oleh • Fact Finding Customer Needs & Customer Profiling (by
Allianz); Allianz);
• Training Product & Wealth (oleh Bank Victoria); • Training Product & Wealth (by Bank Victoria);
• Awareness Penerapan Peraturan Otoritas Jasa Keuangan • Awareness of Implementation of Financial Services
Perlindungan Konsumen dan Undang-Undang Authority Regulations on Consumer Protection and
Perlindungan Data Pribadi (oleh RSM Indonesia); Personal Data Protection Law (by RSM Indonesia);
• Resertifikasi Manajemen Risiko Jenjang 4 dan Jenjang 5 • Recertification of Risk Management Level 4 and Level 5
(oleh Lembaga Sertifikasi Profesi Perbankan); (by Banking Profession Certification Institution);
• Sharing Session Market Update & Economic Outlook • Sharing Session Market Update & Economic Outlook (by
(oleh Bank Victoria); Bank Victoria);
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Profil Perusahaan
Company Profile
Nama Jabatan Materi
Name Position Material
• Training Perlindungan Konsumen dan Perlindungan Data • Training on Consumer Protection and Personal Data
Pribadi (oleh Victoria Institute); Protection (by Victoria Institute);
• Refreshment Manajemen Risiko Level 1 - 4 Badan • Refreshment of Risk Management Level 1 - 4 Risk
Sertifikasi Manajemen Risiko (oleh Efektif Pro); Management Certification Institution (by Efektif Pro);
• Training Penerapan Strategi Anti-Fraud (oleh Victoria • Training on Anti-Fraud Strategy Implementation
Institute); serta (by Victoria Institute); and
• Refrehsment Tipologi Tindak Pidana Pencucian Uang • Refreshment of Typology of Money Laundering Crimes
(TPPU)/Tindak Pidana Pendanaan Terorisme (TPPT)/ (TPPU)/Terrorism Financing Crimes (TPPT)/Proliferation
Pendanaan Proliferasi Senjata Pemusnah Massal (PPSPM) Financing of Weapons of Mass Destruction (PPSPM)
Melalui Kredit dan Treasury (oleh PT Andara Sarana). through Credit and Treasury (by PT Andara Sarana).
Andri Kepala Divisi • Expert Sharing: Keuangan Berkelanjutan (oleh Bank • Expert Sharing: Sustainable Finance (by Bank Victoria);
Ramunanda Loan & Trade Victoria);
Operations • Dealing With VUCA Challenges: Contextual Leadership • Dealing With VUCA Challenges: Contextual Leadership
Head of Journey (oleh Bank Victoria); Journey (by Bank Victoria);
Loan & Trade • Biaya Grab Appraisal Manado (oleh Bank Victoria); • Cost of Grab Appraisal Manado (by Bank Victoria);
Operations • Corporate Culture dan Service (oleh Bank Victoria); • Corporate Culture and Service (by Bank Victoria);
Division • Sharing Session: Menjalin Silaturahmi dalam • Sharing Session: Establishing Relationships in
Kebersamaan (oleh Bank Victoria); Togetherness (by Bank Victoria);
• Training Sosialisasi Office 365 (oleh Bank Victoria); • Office 365 Dissemination Training (by Bank Victoria);
• Resertifikasi Manajemen Risiko Jenjang 4 (oleh Lembaga • Recertification of Risk Management Level 4 (by Banking
Sertifikasi Profesi Perbankan); Profession Certification Institution);
• Sharing Session Market Update & Economic Outlook • Sharing Session Market Update & Economic Outlook (by
(oleh Bank Victoria); Bank Victoria);
• Training Perlindungan Konsumen dan Perlindungan Data • Training on Consumer Protection and Personal Data
Pribadi (oleh Victoria Institute); Protection (by Victoria Institute);
• Uji Sertifikasi Manajemen Risiko Jenjang 5 (oleh Bank • Certification Test of Risk Management Level 5 (by Bank
Victoria); Victoria);
• Training Penerapan Strategi Anti-Fraud (oleh Victoria • Training on Anti-Fraud Strategy Implementation (by
Institute); Victoria Institute);
• Refrehsment Tipologi Tindak Pidana Pencucian Uang • Refreshment of Typology of Money Laundering Crimes
(TPPU)/Tindak Pidana Pendanaan Terorisme (TPPT)/ (TPPU)/Terrorism Financing Crimes (TPPT)/Proliferation
Pendanaan Proliferasi Senjata Pemusnah Massal (PPSPM) Financing of Weapons of Mass Destruction (PPSPM)
Melalui Kredit dan Treasury (oleh PT Andara Sarana); serta through Credit and Treasury (by PT Andara Sarana); and
• Training Pembekalan Manajemen Risiko Jenjang 5 (oleh • Briefing Training on Risk Management Level 5 (by
Lembaga Pengembangan Perbankan Indonesia). Indonesian Banking Development Institute).
Sonny Kepala Divisi • Expert Sharing: Keuangan Berkelanjutan (oleh Bank • Expert Sharing: Sustainable Finance (by Bank Victoria);
Andryano Special Asset Victoria);
Management • Dealing With VUCA Challenges: Contextual Leadership • Dealing With VUCA Challenges: Contextual Leadership
Head of Journey (oleh Bank Victoria); Journey (by Bank Victoria);
Special Asset • Sharing Session: Menjalin Silaturahmi dalam • Sharing Session: Establishing Relationships in
Management Kebersamaan (oleh Bank Victoria); Togetherness (by Bank Victoria);
Division • Corporate Culture dan Service (oleh Bank Victoria); • Corporate Culture and Service (by Bank Victoria);
• Training Sosialisasi Office 365 (oleh Bank Victoria); • Office 365 Dissemination Training (by Bank Victoria);
• Training Sertifikat Elektronik (oleh Kantor Notaris dan • Electronic Certificate Training (by Notary Office and
Pejabat Pembuat Akta Tanah); Land Deed Officials);
• Sharing Session Market Update & Economic Outlook • Sharing Session Market Update & Economic Outlook (by
(oleh Bank Victoria); Bank Victoria);
• Training Perlindungan Konsumen dan Perlindungan Data • Training on Consumer Protection and Personal Data
Pribadi (oleh Victoria Institute); Protection (by Victoria Institute);
• Training Penundaan Kewajiban Pembayaran Utang • Training on Debt Payment Suspension (PKPU) (by FKNK
(PKPU) (oleh FKNK Law Firm); Law Firm);
• Uji Sertifikasi Manajemen Risiko Jenjang 5 (oleh Lembaga • Certification Test of Risk Management Level 5 (by
Sertifikasi Profesional Perbankan); Banking Professionals Certification Institute);
• Training Penerapan Strategi Anti-Fraud (oleh Victoria • Training on Anti-Fraud Strategy Implementation (by
Institute); Victoria Institute);
• Refrehsment Tipologi Tindak Pidana Pencucian Uang • Refreshment of Typology of Money Laundering Crimes
(TPPU)/Tindak Pidana Pendanaan Terorisme (TPPT)/ (TPPU)/Terrorism Financing Crimes (TPPT)/Proliferation
Pendanaan Proliferasi Senjata Pemusnah Massal (PPSPM) Financing of Weapons of Mass Destruction (PPSPM)
Melalui Kredit dan Treasury (oleh PT Andara Sarana); serta through Credit and Treasury (by PT Andara Sarana); and
• Training Pembekalan Manajemen Risiko Jenjang 5 (oleh • Briefing Training on Risk Management Level 5 (by
Lembaga Pengembangan Perbankan Indonesia). Indonesian Banking Development Institute).
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Nama Jabatan Materi
Name Position Material
Syahda Kepala Divisi • Expert Sharing: Keuangan Berkelanjutan (oleh Bank • Expert Sharing: Sustainable Finance (by Bank Victoria);
Candra Human Capital Victoria);
Management & • Dealing With VUCA Challenges: Contextual Leadership • Dealing With VUCA Challenges: Contextual Leadership
General Affair Journey (oleh Bank Victoria); Journey (by Bank Victoria);
Head of • Refreshment Unit Kompetensi Manajemen Risiko • Refreshment of Risk Management Competency Unit
Human Capital Jenjang 5 (oleh Efektif Pro); Level 5 (by Efektif Pro);
Management & • Pembekalan: Pendampingan dan Mekanisme • Briefing: Mentoring and Mechanism for Implementing
General Affair Pelaksanaan Resertifikasi Manajemen Risiko Jenjang 5 Recertification of Risk Management Level 5 (by Bank
Division (oleh Bank Victoria); Victoria);
• Sharing Session: Menjalin Silaturahmi dalam • Sharing Session: Establishing Relationships in
Kebersamaan (oleh Bank Victoria); Togetherness (by Bank Victoria);
• Training Sosialisasi Office 365 (oleh Bank Victoria); • Office 365 Dissemination Training (by Bank Victoria);
• Resertifikasi Manajemen Risiko Jenjang 5 (oleh Lembaga • Recertification of Risk Management Level 5 (by Banking
Sertifikasi Profesi Perbankan); Profession Certification Institution);
• Sharing Session Market Update & Economic Outlook • Sharing Session Market Update & Economic Outlook (by
(oleh Bank Victoria); Bank Victoria);
• Training Perlindungan Konsumen dan Perlindungan Data • Training on Consumer Protection and Personal Data
Pribadi (oleh Victoria Institute); Protection (by Victoria Institute);
• Fraud Risk Management Sebagai Upaya Mitigasi • Fraud Risk Management as Effective Fraud Mitigation
Fraud yang Efektif dan Penerapan Strategi Anti-Fraud Effort and Implementation of Anti-Fraud Strategies
di Lembaga Jasa Keuangan Sesuai Peraturan in Financial Services Institutions According to
Otoritas Jasa Keuangan No. 12/2024 (oleh Lembaga Financial Services Authority Regulation No. 12/2024
Pengembangan Perbankan Indonesia); (by Indonesian Banking Development Institute);
• Webinar Mengelola Data Karyawan Pasca Berlakunya • Webinar on Managing Employee Data After the
Undang-Undang Perlindungan Data Pribadi Enactment of Personal Data Protection Law
(oleh Dunia HR); (by Dunia HR);
• Iuran Keanggotaan Forum Human Capital Perbankan • Membership Fees for Human Capital Forum of
Indonesia 2024 (oleh Forum Human Capital Perbankan Indonesian Banking 2024 (by Human Capital Forum of
Indonesia); Indonesian Banking);
• Refrehsment Tipologi Tindak Pidana Pencucian Uang • Refreshment of Typology of Money Laundering Crimes
(TPPU)/Tindak Pidana Pendanaan Terorisme (TPPT)/ (TPPU)/Terrorism Financing Crimes (TPPT)/Proliferation
Pendanaan Proliferasi Senjata Pemusnah Massal (PPSPM) Financing of Weapons of Mass Destruction (PPSPM)
Melalui Kredit dan Treasury (oleh PT Andara Sarana); serta through Credit and Treasury (by PT Andara Sarana); and
• Training Indonesia Human Capital Beyond & Summit • Training Indonesia Human Capital Beyond & Summit
(oleh QuBisa Anugrah Indonesia). (by QuBisa Anugrah Indonesia).
Handy Kepala Divisi • Implementasi ATMR Risiko Pasar (Basel III Reforms/ • Implementation of Market Risk RWA (Basel III Reforms/
Widjaja Accounting FRTB) Standard Approach (SA) dan Simplified Standard FRTB) Standard Approach (SA) and Simplified Standard
Head of Approach (SSA) (Surat Edaran Otorita Jasa Keuangan Approach (SSA) (Financial Services Authority Circular
Accounting No. 23/SEOJK.03/2022) (oleh Infobank Institute); No. 23/SEOJK.03/2022) (by Infobank Institute);
Division • Training Sosialisasi Office 365 (oleh Bank Victoria); • Office 365 Dissemination Training (by Bank Victoria);
• Anti-Fraud (oleh HD Entertainment); • Anti-Fraud (by HD Entertainment);
• Power Business Intelligence (oleh Purwadhika); • Power Business Intelligence (by Purwadhika);
• Creative Power Point (oleh PT Alam Cipta Gemilang); • Creative Power Point (by PT Alam Cipta Gemilang);
• Pembekalan Manajemen Risiko Jenjang 4 (oleh Lembaga • Briefing of Risk Management Level 4 (by Indonesian
Pengembangan Perbankan Indonesia); Banking Development Institute);
• Sharing Session Market Update & Economic Outlook • Sharing Session Market Update & Economic Outlook
(oleh Bank Victoria); (by Bank Victoria);
• Sertifikasi dan Resertifikasi Manajemen Risiko Jenjang • Certification and Recertification of Risk Management
4 dan Jenjang 5 (oleh Lembaga Sertifikasi Profesi Level 4 and Level 5 (by Banking Profession Certification
Perbankan); Institution);
• Training Perlindungan Konsumen dan Perlindungan Data • Training on Consumer Protection and Personal Data
Pribadi (oleh Victoria Institute); Protection (by Victoria Institute);
• Uji Sertifikasi Manajemen Risiko Jenjang 5 (oleh • Certification Test of Risk Management Level 5
Lembaga Sertifikasi Profesi Perbankan); (by Banking Profession Certification Institution);
• Refrehsment Tipologi Tindak Pidana Pencucian Uang • Refreshment of Typology of Money Laundering Crimes
(TPPU)/Tindak Pidana Pendanaan Terorisme (TPPT)/ (TPPU)/Terrorism Financing Crimes (TPPT)/Proliferation
Pendanaan Proliferasi Senjata Pemusnah Massal (PPSPM) Financing of Weapons of Mass Destruction (PPSPM)
Melalui Kredit dan Treasury (oleh PT Andara Sarana); serta through Credit and Treasury (by PT Andara Sarana); and
• Training Pembekalan Manajemen Risiko Jenjang 5 (oleh • Briefing Training on Risk Management Level 5
Lembaga Pengembangan Perbankan Indonesia). (by Indonesian Banking Development Institute).
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Profil Perusahaan
Company Profile
Nama Jabatan Materi
Name Position Material
Bambang F Wakil Kepala • Expert Sharing: Keuangan Berkelanjutan (oleh Bank • Expert Sharing: Sustainable Finance (by Bank Victoria);
Triatmojo Divisi Credit Victoria);
Monitoring & • Dealing With VUCA Challenges: Contextual Leadership • Dealing With VUCA Challenges: Contextual Leadership
Collection Journey (oleh Bank Victoria); Journey (by Bank Victoria);
Vice Head • Refreshment Unit Kompetensi Manajemen Risiko • Refreshment of Risk Management Competency Unit
of Credit Jenjang 5 (oleh Efektif Pro); Level 5 (by Efektif Pro);
Monitoring • Pembekalan: Pendampingan dan Mekanisme • Briefing: Mentoring and Mechanism for Implementing
& Collection Pelaksanaan Resertifikasi Manajemen Risiko Jenjang 5 Recertification of Risk Management Level 5 (by Bank
Division (oleh Bank Victoria); Victoria);
• Sharing Session: Menjalin Silaturahmi dalam • Sharing Session: Establishing Relationships in
Kebersamaan (oleh Bank Victoria); Togetherness (by Bank Victoria);
• Corporate Culture dan Service (oleh Bank Victoria); • Corporate Culture and Service (by Bank Victoria);
• Training Sosialisasi Office 365 (oleh Bank Victoria); • Office 365 Dissemination Training (by Bank Victoria);
• Training Sertifikat Elektronik (oleh Kantor Notaris dan • Electronic Certificate Training (by Notary Office and
Pejabat Pembuat Akta Tanah); Land Deed Officials);
• Sharing Session Market Update & Economic Outlook • Sharing Session Market Update & Economic Outlook
(oleh Bank Victoria); (by Bank Victoria);
• Training Perlindungan Konsumen dan Perlindungan Data • Training on Consumer Protection and Personal Data
Pribadi (oleh Victoria Institute); Protection (by Victoria Institute);
• Refreshment Manajemen Risiko Level 1 - 4 Badan • Refreshment of Risk Management Level 1 - 4 Risk
Sertifikasi Manajemen Risiko (oleh Efektif Pro); Management Certification Institution (by Efektif Pro);
• Training Penerapan Strategi Anti-Fraud (oleh Victoria • Training on Anti-Fraud Strategy Implementation
Institute); (by Victoria Institute);
• Training Penundaan Kewajiban Pembayaran Utang • Training on Debt Payment Suspension (PKPU) (by FKNK
(PKPU) (oleh FKNK Law Firm); Law Firm);
• Training Analisa Laporan Keuangan Industri (oleh Bapak • Training on Analysis of Industrial Financial Statements
Nur Rohmat); (by Mr. Nur Rohmat);
• Refrehsment Tipologi Tindak Pidana Pencucian Uang • Refreshment of Typology of Money Laundering Crimes
(TPPU)/Tindak Pidana Pendanaan Terorisme (TPPT)/ (TPPU)/Terrorism Financing Crimes (TPPT)/Proliferation
Pendanaan Proliferasi Senjata Pemusnah Massal (PPSPM) Financing of Weapons of Mass Destruction (PPSPM)
Melalui Kredit dan Treasury (oleh PT Andara Sarana); serta through Credit and Treasury (by PT Andara Sarana); and
• Expert Sharing Session: Peluang dan Tantangan • Expert Sharing Session: Opportunities and Challenges
Pembiayaan Bank pada Bisnis Model Multi Finance (oleh of Bank Financing in Multi Finance Business Model
Asosiasi Perusahaan Pembiayaan Indonesia). (by Indonesian Financing Company Association).
Yusuf Doi Kepala • Pelatihan Paralegal (oleh Peradi Utama); • Training on Paralegal (by Peradi Utama);
Pratama Departemen • Dealing With VUCA Challenges: Contextual Leadership • Dealing With VUCA Challenges: Contextual Leadership
Anti Money Journey (oleh Bank Victoria); Journey (by Bank Victoria);
Laundering • Refreshment Unit Kompetensi Manajemen Risiko • Refreshment of Risk Management Competency Unit
(AML), Counter Jenjang 5 (oleh Efektif Pro); Level 5 (by Efektif Pro);
Terorist • Sharing Session: Menjalin Silaturahmi dalam Kebersamaan • Sharing Session: Establishing Relationships in Togetherness
Financing (CTF) (oleh Bank Victoria); (by Bank Victoria);
& Weapon Mass • Corporate Culture dan Service (oleh Bank Victoria); • Corporate Culture and Service (by Bank Victoria);
Destruction • Training Sosialisasi Office 365 (oleh Bank Victoria); • Office 365 Dissemination Training (by Bank Victoria);
(WMD) • Sharing Session Market Update & Economic Outlook • Sharing Session Market Update & Economic Outlook (by
Head of (oleh Bank Victoria); Bank Victoria);
Anti Money- • Sertifikasi dan Resertifikasi Manajemen Risiko Jenjang 4 • Certification and Recertification of Risk Management
Laundering dan Jenjang 5 (oleh Lembaga Sertifikasi Profesi Level 4 and Level 5 (by Banking Profession Certification
(AML), Counter- Perbankan); Institution);
Terrorist • Training Perlindungan Konsumen dan Perlindungan Data • Training on Consumer Protection and Personal Data
Financing (CTF) Pribadi (oleh Victoria Institute); Protection (by Victoria Institute);
& Weapon Mass • Refreshment Manajemen Risiko Level 1 - 4 Badan • Refreshment of Risk Management Level 1 - 4 Risk
Destruction Sertifikasi Manajemen Risiko (oleh Efektif Pro); serta Management Certification Institution (by Efektif Pro); and
(WMD) • Training Penerapan Strategi Anti-Fraud (oleh Victoria • Training on Anti-Fraud Strategy Implementation
Department Institute). (by Victoria Institute).
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Nama Jabatan Materi
Name Position Material
Joel Eka Kepala • Corporate Culture dan Service (oleh Bank Victoria); • Corporate Culture and Service (by Bank Victoria);
Martono Departemen • Sharing Session: Hargai Hidupmu (oleh Bank Victoria); • Sharing Session: Valuing Your Life (by Bank Victoria);
Krissata Anti-Fraud • Pembekalan: Pendampingan dan Mekanisme • Briefing: Mentoring and Mechanism for Implementing
Head of Pelaksanaan Resertifikasi Manajemen Risiko Jenjang 6 Recertification of Risk Management Level 6
Anti-Fraud (oleh Bank Victoria); (by Bank Victoria);
Department • Refreshment Unit Kompetensi Manajemen Risiko • Refreshment of Risk Management Competency Unit
Jenjang 5 (oleh Efektif Pro); Level 5 (by Efektif Pro);
• Sharing Session: Blessing in Faithfulness (oleh Bank Victoria); • Sharing Session: Blessing in Faithfulness (by Bank Victoria);
• Workshop: ldentifikasi Transaksi Keuangan Mencurigakan • Workshop: Identification of Suspicious Financial
(oleh Forum Komunikasi Direktur Kepatuhan Perbankan); Transactions (by Communication Forum for Director of
Banking Compliance);
• Sharing Session: Hidup Lebih Bermakna (oleh Bank Victoria); • Sharing Session: A More Meaningful Life (by Bank Victoria);
• Sharing Session: Menjalin Silaturahmi dalam Kebersamaan • Sharing Session: Establishing Relationships in Togetherness
(oleh Bank Victoria); (by Bank Victoria);
• Sharing Session: Melawan Rasa Takut (oleh Bank Victoria); • Sharing Session: Fighting the Fear (by Bank Victoria);
• Sharing Session: Bersyukur dalam Kehidupan • Sharing Session: Being Grateful in Life (by Bank Victoria);
(oleh Bank Victoria);
• Training Sosialisasi Office 365 (oleh Bank Victoria); • Office 365 Dissemination Training (by Bank Victoria);
• Resertifikasi Manajemen Risiko Jenjang 7 (oleh Lembaga • Recertification of Risk Management Level 7 (by Banking
Sertifikasi Profesi Perbankan); Profession Certification Institution);
• Sharing Session: Perubahan Paradigma (oleh Bank Victoria); • Sharing Session: Paradigm Shift (by Bank Victoria);
• Sharing Session: Bangkit dari Keterpurukan (oleh Bank • Sharing Session: Rising from the Downturn (by Bank
Victoria); Victoria);
• Awareness Penerapan Peraturan Otoritas Jasa Keuangan • Awareness of Implementation of Financial Services
Perlindungan Konsumen dan Undang-Undang Perlindungan Authority Regulations on Consumer Protection and
Data Pribadi (oleh RSM Indonesia); Personal Data Protection Law (by RSM Indonesia);
• Indonesia National Anti-Fraud Conference (oleh Asia • Indonesia National Anti-Fraud Conference (by Asia
Anti-Fraud Manajemen); Anti-Fraud Management);
• Training Pengujian Keamanan Cyber (Table Top Exercise) • Cyber Security Testing Training (Table Top Exercise)
(oleh SecurXcess); (by SecurXcess);
• Sharing Session Market Update & Economic Outlook • Sharing Session Market Update & Economic Outlook
(oleh Bank Victoria); (by Bank Victoria);
• Training Perlindungan Konsumen dan Perlindungan Data • Training on Consumer Protection and Personal Data
Pribadi (oleh Victoria Institute); Protection (by Victoria Institute);
• Training Praktik Manajemen Audit Internal Sesuai • Training on Internal Audit Management Practice in
dengan Institute of Internal Auditors (IIA) Global Internal Accordance with the Institute of Internal Auditors (IIA)
Audit Standar 2024 (oleh Universitas Gadjah Mada); Global Internal Audit Standard 2024 (by Gadjah Mada
University);
• Training dan Uji Sertifikasi Certified Anti-Fraud • Certified Anti-Fraud Professional (CAFP) Training and
Professional (CAFP) (oleh GRC Management); Certification Test (by GRC Management);
• Fraud Risk Management Sebagai Upaya Mitigasi • Fraud Risk Management as Effective Fraud Mitigation
Fraud yang Efektif dan Penerapan Strategi Anti-Fraud Effort and Implementation of Anti-Fraud Strategies
di Lembaga Jasa Keuangan Sesuai Peraturan in Financial Services Institutions According to
Otoritas Jasa Keuangan No. 12/2024 (oleh Lembaga Financial Services Authority Regulation No. 12/2024
Pengembangan Perbankan Indonesia); (by Indonesian Banking Development Institute);
• Refreshment Manajemen Risiko Level 1 - 4 Badan • Refreshment of Risk Management Level 1 - 4 Risk
Sertifikasi Manajemen Risiko (oleh Efektif Pro); Management Certification Institution (by Efektif Pro);
• Seminar, Workshop, dan Uji Kompetensi Audit Berbasis • Seminar, Workshop, and Competency Test of
Aplikasi, Klaster Pemeriksaan Informasi Keuangan (oleh Application-Based Audit, Financial Information
Perbanas Institute Jakarta); serta Examination Cluster (by Perbanas Institute Jakarta); and
• Sosialisasi/Focus Group Discussion Compliance • Dissemination/Focus Group Discussion on Compliance
Champion - Budaya Kepatuhan (oleh Bank Victoria). Champion - Compliance Culture (by Bank Victoria).
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Profil Perusahaan
Company Profile
Profil Kepala Kantor Cabang Utama
Profile of Main Branch Office Head
Jane Alexandra Herman Nerly Sugianto Amelia
Pemimpin KCU BIP Pemimpin KCU Senayan Pemimpin KCU Cideng
Head of BIP Main Branch Office Head of Senayan Main Branch Office Head of Cideng Main Branch Office
Rosina Rosita B Rajaisun Erli Nornawati
Pemimpin KCU Kelapa Gading 1 Pemimpin KCU Bogor Pemimpin KCU Surabaya
Head of Kelapa Gading 1 Main Branch Office Head of Bogor Main Branch Office Head of Surabaya Main Branch Office
Tjioe Dedy Himawan Wiwi Candra Febyra Asia Rini
Pemimpin KCU Semarang Pemimpin KCU Medan Pemimpin KCU Solo
Head of Semarang Main Branch Office Head of Medan Main Branch Office Head of Solo Main Branch Office
Daisy Merry Natalia I Gusti Putu Sridana Sastrawan
Pemimpin KCU Manado Pemimpin KCU Bali
Head of Manado Main Branch Office Head of Bali Main Branch Office
Komposisi Pemegang Saham [POJK C.3]
Shareholders Composition
31 Desember 2024 1 Januari 2024
31 December 2024 1 January 2024
Uraian Total Saham Kepemilikan Total Saham Kepemilikan
Description (Lembar Saham) Saham (Lembar Saham) Saham
Total Total
Total Shares Share (Rp) Total Shares Share (Rp)
(Number of Ownership (Number of Ownership
Shares) (%) Shares) (%)
Saham dengan Sertifikat Kolektif
Shares with Collective Certificates
Pemegang Saham Pendiri
- - - - - -
Founders Shares
Masyarakat
Public
Pemodal Nasional
National Investor
5% atau lebih
- - - - - -
5% or more
Lainnya
1,165,500 0.01 116,550,000 1,165,500 0.01 116,550,000
Others
Pemodal Asing
Foreign Investors
5% atau lebih
- - - - - -
5% or more
Lainnya
24,500 0.00 2,450,000 24,500 0.00 2,450,000
Others
Sub Total 1,190,000 0.01 119,000,000 1,190,000 0.01 119,000,000
Saham dengan Penitipan Kolektif PT Kustodian Sentral Efek Indonesia
Shares in Collective Custody with PT Kustodian Sentral Efek Indonesia
Pemegang Saham Pendiri
Founders Shares
PT Nata Patindo 48,823,665 0.31 4,882,366,500 48,823,665 0.31 4,882,366,500
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31 Desember 2024 1 Januari 2024
31 December 2024 1 January 2024
Uraian Total Saham Kepemilikan Total Saham Kepemilikan
Description (Lembar Saham) Saham (Lembar Saham) Saham
Total Total
Total Shares Share (Rp) Total Shares Share (Rp)
(Number of Ownership (Number of Ownership
Shares) (%) Shares) (%)
Masyarakat
Public
Pemodal Nasional
National Investor
5% atau lebih
5% or more
Suzanna Tanojo 3,066,411,303 19.35 306,641,130,300 3,066,411,303 19.35 306,641,130,300
PT Victoria Investama Tbk 7,010,537,747 44.23 701,053,774,700 7,010,537,747 44.23 701,053,774,700
Lainnya
3,491,811,401 22.03 349,181,140,100 3,465,000,172 21.86 346,500,017,200
Others
Pemodal Asing
Foreign Investors
5% atau lebih
5% or more
Lainnya
2,229,758,790 14.07 222,975,879,000 2,256,563,790 14.24 225,656,379,000
Others
Sub Total 15,847,342,906 99.99 1,584,734,290,600 15,847,336,677 99.99 1,584,733,667,700
Total 15,848,532,906 100.00 1,584,853,290,600 15,848,526,677 100.00 1,584,852,667,700
Komposisi Pemegang Saham yang Memiliki 5%
atau Lebih Saham
Composition of Shareholders with 5% or More Shares
31 Desember 2024 1 Januari 2024
31 December 2024 1 January 2024
Uraian Total Saham Total Saham
Desciption (Lembar Saham) Kepemilikan Saham Kepemilikan Saham
(Lembar Saham)
Share Ownership Share Ownership
Total Shares Total Shares
(%) (%)
(Number of Shares) (Number of Shares)
PT Victoria Investama Tbk 7,010,537,747 44.23 7,010,537,747 44.23
Suzanna Tanojo 3,066,411,303 19.35 3,066,411,303 19.35
Total 10,076,949,050 63.58 10,076,949,050 63.58
Kepemilikan Saham Langsung dan Tidak Langsung
Atas Saham Bank Victoria oleh Anggota
Dewan Komisaris dan Direksi
Direct and Indirect Share Ownership of Bank Victoria’s Shares by Members of
Board of Commissioners and Board of Directors
Tidak terdapat anggota Dewan Komisaris dan anggota Direksi There are no members of Board of Commissioners or members
Bank yang tercatat sebagai Pemegang Saham Bank Victoria, of Board of Directors of the Bank listed as Shareholders of
baik secara langsung maupun tidak langsung pada awal dan Bank Victoria, either directly or indirectly at the beginning and
akhir tahun 2024. end of 2024.
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Profil Perusahaan
Company Profile
Komposisi Pemegang Saham Masyarakat dengan
Kepemilikan Saham Masing-Masing Kurang dari 5%
Composition of Public Shareholders with Share Ownership of Less than 5% Each
31 Desember 2024 1 Januari 2024
31 December 2024 1 January 2024
Kepemilikan Kepemilikan
Uraian Total Saham Total Saham Description
Saham Saham
(Lembar Saham) (Lembar Saham)
Share Share
Total Shares Total Shares
Ownership Ownership
(Number of Shares) (Number of Shares)
(%) (%)
Pemodal Nasional
National Investors
Perorangan 1,319,317,235 8.32 1,300,561,817 8.21 Individuals
Perseroan Terbatas 1,634,441,754 10.31 1,611,822,654 10.17 Limited Liability Companies
Asuransi 164,920,000 1.04 281,340,000 1.78 Insurance
Reksa Dana 915,000 0.01 15,000 0.00 Mutual Funds
Broker 422,206,577 2.66 320,286,567 2.02 Broker
Pemodal Asing
Foreign Investors
Perorangan 242,031,715 1.53 245,660,115 1.55 Individuals
Institusi Asing 1,987,751,575 12.54 2,011,600,575 12.69 Foreign Institutions
Total 5,771,583,856 36.42 5,771,286,728 36.42 Total
Komposisi Pemegang Saham
Berdasarkan Status Kepemilikan
Shareholders Composition by Ownership Status
31 Desember 2024 1 Januari 2024
31 December 2024 1 January 2024
Total Saham Kepemilikan Total Saham Kepemilikan
Uraian (Lembar Saham) Saham (Lembar Saham) Saham Description
Total Total
Total Shares Share Investor Total Shares Share Investor
(Number of Ownership (Number of Ownership
Shares) (%) Shares) (%)
SCRIPTLESS
Pemodal Nasional National Investors
Perorangan 4,384,666,538 27.67 7,137 4,365,911,120 27.55 7,862 Individuals
Limited Liability
Perseroan Terbatas 8,644,979,001 54.55 32 8,622,359,901 54.41 30
Companies
Broker 422,206,577 2.66 6 320,286,567 2.02 7 Broker
Mutual Fund 900,000 0.01 1 - - - Mutual Fund
Asuransi 164,832,000 1.04 2 281,252,000 1.77 3 Insurance
Pemodal Asing Foreign Investors
Perorangan 242,007,215 1.53 10 245,635,615 1.55 10 Individual
Institusi Asing 1,987,751,575 12.54 18 2,011,600,575 12.69 21 Foreign Institutions
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31 Desember 2024 1 Januari 2024
31 December 2024 1 January 2024
Total Saham Kepemilikan Total Saham Kepemilikan
Uraian (Lembar Saham) Saham (Lembar Saham) Saham Description
Total Total
Total Shares Share Investor Total Shares Share Investor
(Number of Ownership (Number of Ownership
Shares) (%) Shares) (%)
SCRIPT
Pemodal Nasional National Investors
Perorangan 1,062,000 0,01 132 1,062,000 0.01 132 Individuals
Limited Liability
Perseroan Terbatas 500 0,00 1 500 0.00 1
Companies
Reksa Dana 15,000 0,00 1 15,000 0.00 1 Mutual Fund
Asuransi 88,000 0,00 3 88,000 0.00 3 Insurance
Pemodal Asing Foreign Investors
Perorangan 24,500 0,00 7 24,500 0.00 7 Individual
Institusi Asing - - - - - - Foreign Institutions
Total 15,848,532,906 100.00 7,350 15,848,235,778 100.00 8,077 Total
Struktur Pemegang Saham Utama dan Pengendali
Main and Controlling Shareholders Structure
Masyarakat/
Pemegang Saham <5% Suzanna Tanojo PT Victoria Investama Tbk
Public/Shareholders <5%
36.42% 19.35%
44.23% 80.19% 72.95% 99.50% 99.33% 95.00% 99.99%
PT Bank PT Victoria PT Victoria PT Victoria
PT Bank Victoria PT Victoria PT Sumber
Victoria Sekuritas Alife Manajemen
International Tbk Insurance Tbk Daya Sakti
Syariah Indonesia Indonesia Investasi
19.81%
Per 31 Desember 2024, Pemegang Saham Utama dan Pengendali As of 31 December 2024, the Main and Controlling Shareholder
Bank Victoria adalah PT Victoria Investama Tbk merupakan of Bank Victoria is PT Victoria Investama Tbk with 44.23% share
Pemegang Saham Pengendali Perseroan dengan kepemilikan ownership, while the ultimate beneficiary is Suzanna Tanojo.
saham mencapai 44,23%, sedangkan penerima manfaat akhir
adalah Suzanna Tanojo.
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Profil Perusahaan
Company Profile
Informasi Entitas Anak, Perusahaan Asosiasi,
Perusahaan Ventura Bersama, dan Special
Purpose Vehicle
Information on Subsidiaries, Associated Entities, Joint Venture Companies,
and Special Purpose Vehicles
Pada tahun 2024, Bank Victoria tidak memiliki Entitas Anak, In 2024, Bank Victoria did not have any Subsidiary, joint venture
perusahaan ventura bersama, dan special purpose vehicle, namun company, or special purpose vehicle, but had 1 (one) Associated
memiliki 1 (satu) Entitas Asosiasi. Informasi terkait Entitas Asosiasi Entity. Information on the Bank’s Associated Entity is described as
Bank diuraikan sebagai berikut: follows:
PT Bank Victoria Syariah
Gedung Graha BIP Lantai 5
Graha BIP Building 5th Floor
Jl. Gatot Subroto Kav. 23 Karet Semanggi, Setiabudi
Jakarta Selatan / South Jakarta 12930
Alamat
T : (021) 5600 467
Address
(021) 5225 285 (Hunting)
F : (021) 5664 247
E : corsec@bankvictoriasyariah.co.id
W : www.bankvictoriasyariah.co.id
Bidang Usaha Perbankan Syariah
Line of Business Sharia Banking
Tahun Beroperasi Beroperasi sejak 1966
Year of Operations Has been in operation since 1966
Domisili
Jakarta
Domicile
Total Aset (dalam juta)
Rp3,314,468
Total Assets (in million)
Kepemilikan Saham
19.81%
Share Ownership
Komisaris Utama : Sari Idayanti
Komisaris Independen : Retno Dwiyanti W.
Komisaris Independen : Edian Fahmy
Direktur Utama : Dery Januar
Direksi : Andy Sundoro
Manajemen Kunci Direktur Kepatuhan : Ruly Dwi Rahayu
Key Management President Commissioner : Sari Idayanti
Independent Commissioner : Retno Dwiyanti W.
Independent Commissioner : Edian Fahmy
President Director : Dery Januar
Director : Andy Sundoro
Compliance Director : Ruly Dwi Rahayu
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Kronologi Pencatatan Saham
Chronology of Share Listing
Kronologis pencatatan saham Bank Victoria sejak dilakukannya The chronology of Bank Victoria’s share listing since the initial
penawaran umum perdana saham pada tahun 1999 hingga akhir public offering in 1999 until the end of 2024 is presented in detail
tahun 2024 tersaji secara rinci pada tabel berikut: in the following table:
Jumlah Saham
Jumlah Saham
yang Diterbitkan Nilai Harga
Tanggal Beredar
(Lembar Saham) Nominal Penawaran
Uraian Pelaksanaan (Lembar Saham)
Description Total Issued Nominal Offering
Exercise Total Outstanding
Shares Value Price
Date Shares
(Number of (Rp) (Rp)
(Number of Shares)
Shares)
Saham Pendiri
250,000,000 100 - 250,000,000
Founders’ Shares
Saham dari Kapitalisasi Saldo Laba
34,000,000 100 - 284,000,000
Shares from Capitalization of Retained Earnings
Penawaran Umum Perdana Saham
1999 250,000,000 100 100 534,000,000
Initial Public Offering
Penawaran Umum Terbatas I dengan Hak Memesan Efek
Terlebih Dahulu 2000 100,000,000 100 115 634,000,000
Limited Public Offering I with Preemptive Rights
Pelaksanaan Waran Seri I dan II
2002 66,793,400 100 - 700,793,400
Exercise of Series I and II Warrants
Penawaran Umum Terbatas II dengan Hak Memesan Efek
Terlebih Dahulu 2003 400,000,000 100 100 1,100,793,400
Limited Public Offering II with Preemptive Rights
Pelaksanaan Waran Seri III
2004 193,799,960 100 - 1,294,593,360
Exercise of Series III Warrants
Pelaksanaan Waran Seri III
2006 46,200,000 100 - 1,340,793,360
Exercise of Series III Warrants
Penawaran Umum Terbatas III dengan Hak Memesan Efek
Terlebih Dahulu 2006 670,363,760 100 100 2,011,157,120
Limited Public Offering III with Preemptive Rights
Pelaksanaan Waran Seri IV
2007 323,840,000 100 100 2,334,997,120
Exercise of Series IV Warrants
Penawaran Umum Terbatas IV dengan Hak Memesan Efek
Terlebih Dahulu 2008 1,167,498,560 100 100 3,502,495,680
Limited Public Offering IV with Preemptive Rights
Pelaksanaan Waran Seri IV dan V
2009 344,244,500 100 100 3,846,740,180
Exercise of Series IV and V Warrants
Pelaksanaan Waran Seri IV dan V
2010 249,707,135 100 100 4,096,447,315
Exercise of Series IV and V Warrants
Penawaran Umum Terbatas V dengan Hak Memesan Efek
Terlebih Dahulu 2011 1,954,919,259 100 100 6,051,366,574
Limited Public Offering V with Preemptive Rights
Penerbitan Saham Tanpa Hak Memesan Efek Terlebih Dahulu
2011 414,580,000 100 100 6,465,946,574
Limited Public Offering Without Preemptive Rights
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Profil Perusahaan
Company Profile
Jumlah Saham
Jumlah Saham
yang Diterbitkan Nilai Harga
Tanggal Beredar
(Lembar Saham) Nominal Penawaran
Uraian Pelaksanaan (Lembar Saham)
Description Total Issued Nominal Offering
Exercise Total Outstanding
Shares Value Price
Date Shares
(Number of (Rp) (Rp)
(Number of Shares)
Shares)
Pelaksanaan Waran Seri IV dan VI
2011 81,724,314 100 100 6,547,670,888
Exercise of Series IV and VI Warrants
Pelaksanaan Waran Seri V dan VI
2012 56,673,554 100 100 6,604,344,442
Exercise of Series V and VI Warrants
Pelaksanaan Waran Seri V dan VI
2013 25,923,831 100 100 6,630,268,273
Exercise of Series V and VI Warrants
Pelaksanaan Waran Seri VI
2014 508,898,707 100 100 7,139,166,980
Exercise of Series VI Warrants
Pelaksanaan Waran Seri VI
2015 300 100 100 7,139,167,280
Exercise of Series VI Warrants
Pelaksanaan Waran Seri VI
2016 751,486,547 100 100 7,890,653,827
Exercise of Series VI Warrants
Penambahan Modal Tanpa Hak Memesan Efek Terlebih Dahulu
2016 780,394,335 100 100 8,671,048,162
Capital Increase Without Preemptive Rights
Penambahan Modal Tanpa Hak Memesan Efek Terlebih Dahulu
2019 280,898,877 100 356 8,951,947,039
Capital Increase Without Preemptive Rights
Penambahan Modal Tanpa Hak Memesan Efek Terlebih Dahulu
2021 586,205,939 100 160 9,538,152,978
Capital Increase Without Preemptive Rights
Penambahan Modal Tanpa Hak Memesan Efek Terlebih Dahulu
2021 948,979,590 100 196 10,487,132,568
Capital Increase Without Preemptive Rights
Penambahan Modal dengan Hak Memesan Efek Terlebih Dahulu
2022 2,553,461,919 100 150 13,040,594,487
Capital Increase with Preemptive Rights
Penambahan Modal dengan Hak Memesan Efek Terlebih Dahulu
2022 2,807,640,227 100 150 15,848,234,714
Capital Increase with Preemptive Rights
Pelaksanaan Waran Seri Vll
2023 1,064 100 100 15,848,235,778
Exercise of Series VII Warrants
Pelaksanaan Waran Seri Vll
2024 297,128 100 100 29,712,800
Exercise of Series VII Warrants
Total Modal Saham yang Ditempatkan dan Disetor Penuh
15,848,532,906
Total Fully Issued and Paid-Up Capital Shares
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Kronologi Pencatatan Efek Lainnya
Chronology of Other Securities Listing
Status
Total Pembayaran
Peringkat
(Juta Tenor Peringkat Payment Status
Tingkat Suku Bunga Saat
Uraian Rupiah) (Tahun) Tanggal Terakhir
Interest Rates Diterbitkan Belum
Description Total Tenure Date Latest
(%) Ratings at Lunas Lunas
(Million (Year) Ratings
Issuance Paid Not
Rupiah)
Paid
Obligasi Bank Victoria I
3 Maret 2000 -
Tahun 2000 dengan tingkat
3 Maret 2007
suku bunga tetap Seri A 75,000 7 16.25 BBB+ BBB+ -
3 March 2000 -
Bank Victoria Series A Bond I
3 March 2007
of 2000 at fixed interest rate
Obligasi Bank Victoria I 16,00 (kupon bunga
Tahun 2000 dengan tingkat ke-1 dan 2) serta
3 Maret 2000 -
suku bunga mengambang mengambang (kupon
3 Maret 2007
Seri B 25,000 7 bunga ke-3 sampai ke-28) BBB+ BBB+ -
3 March 2000 -
Bank Victoria Series B 16.00 (1st and 2nd interest
3 March 2007
Bond I of 2000 at floating coupon) and floating
interest rate (3rd to 28th interest coupon)
Obligasi Bank Victoria II A3.id A3.id
21 Maret 2007 -
Tahun 2007 dengan tingkat (setara A-. (setara A-.
21 Maret 2012
suku bunga tetap 200,000 5 12.00 Kasnic) Kasnic) -
21 March 2007 -
Bank Victoria Bond II of 2007 (equal to A-. (equal to A-.
21 March 2012
at fixed interest rate Kasnic) Kasnic)
Obligasi Subordinasi
12,50 (tahun ke-1
Bank Victoria I Tahun 2007 Baa2.id Baa2.id
sampai ke-5) serta 21.50 21 Maret 2007 -
dengan tingkat suku bunga (setara BBB. (setara BBB.
(tahun ke-6 sampai ke-10) 21 Maret 2017
tetap 200,000 10 Kasnic ) Kasnic) -
12.50 (1st year to 5th year) 21 March 2007 -
Bank Victoria Subordinated (equal to BBB. (equal to BBB.
and 21.50 (6th year to 21 March 2017
Bond I of 2007 at fixed Kasnic) Kasnic)
10th year)
interest rate
Obligasi Bank Victoria III
27 Juni 2012 -
Tahun 2012 dengan tingkat
27 Juni 2017 idBBB+ idBBB+
suku bunga tetap 200,000 5 10.00 -
27 June 2012 - (Triple B Plus) (Triple B Plus)
Bank Victoria Bond III of
27 June 2017
2012 at fixed interest rate
Obligasi Subordinasi
Bank Victoria II Tahun 2012
27 Juni 2012 -
dengan tingkat suku bunga
27 Juni 2019 idBBB+ idBBB+
tetap 300,000 7 11.00 -
27 June 2012 - (Triple B Plus) (Triple B Plus)
Bank Victoria Subordinated
27 June 2019
Bond II of 2012 at fixed
interest rate
Obligasi Bank Victoria IV
27 Juni 2013 -
Tahun 2013 dengan tingkat
27 Juni 2018 idA- idA-
suku bunga tetap 200,000 5 9.50 -
27 June 2013 - (Single A Minus) (Single A Minus)
Bank Victoria Bond IV of
27 June 2018
2013 at fixed interest rate
Obligasi Subordinasi
Bank Victoria III Tahun 2013
27 Juni 2013 -
dengan tingkat suku bunga
27 Juni 2020 idBBB+ idBBB+
tetap 300,000 7 10.50 -
27 June 2013 - (Triple B Plus) (Triple B Plus)
Bank Victoria Subordinated
27 June 2020
Bond III of 2013 at fixed
interest rate
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Profil Perusahaan
Company Profile
Status
Total Pembayaran
Peringkat
(Juta Tenor Peringkat Payment Status
Tingkat Suku Bunga Saat
Uraian Rupiah) (Tahun) Tanggal Terakhir
Interest Rates Diterbitkan Belum
Description Total Tenure Date Latest
(%) Ratings at Lunas Lunas
(Million (Year) Ratings
Issuance Paid Not
Rupiah)
Paid
Obligasi Berkelanjutan I
Bank Victoria Tahap I
11 Juli 2017 -
Tahun 2017 dengan tingkat
11 Juli 2022 idA- idA-
suku bunga tetap 300,000 5 10.30 -
11 July 2017 - (Single A Minus) (Single A Minus)
Bank Victoria Continuous
11 July 2022
Bond I Phase I of 2017 at
fixed interest rate
Obligasi Subordinasi
Berkelanjutan I Bank Victoria
11 Juli 2017 -
Tahap I Tahun 2017 dengan
11 Juli 2024
tingkat suku bunga tetap 50,000 7 11.00 idBBB (Triple B) idBBB (Triple B) -
11 July 2017 -
Bank Victoria Continuous
11 July 2024
Subordinated Bond I Phase I
of 2017 at fixed interest rate
Obligasi Berkelanjutan I
Bank Victoria Tahap II
5 Juni 2018 -
Tahun 2018 dengan tingkat
5 Juni 2021 idA- idA-
suku bunga tetap Seri A 100,000 3 9.70 -
5 June 2018 - (Single A Minus) (Single A Minus)
Bank Victoria Series A
5 June 2021
Continuous Bond I Phase II
of 2018 at fixed interest rate
Obligasi Berkelanjutan I
Bank Victoria Tahap II
5 Juni 2018 -
Tahun 2018 dengan tingkat
5 Juni 2023 idA- idA-
suku bunga tetap Seri B 200,000 5 10.30 -
5 June 2018 - (Single A Minus) (Single A Minus)
Bank Victoria Series B
5 June 2023
Continuous Bond I Phase II
of 2018 at fixed interest rate
Obligasi Subordinasi
Berkelanjutan I Bank Victoria
5 Juni 2018 -
Tahap II Tahun 2018 dengan
5 Juni 2025
tingkat suku bunga tetap 350,000 7 11.00 idBBB (Triple B) idBBB (Triple B) -
5 June 2018 -
Bank Victoria Continuous
5 June 2025
Subordinated Bond I Phase II
of 2018 at fixed interest rate
Obligasi Berkelanjutan II
28 Juni 2019 -
Bank Victoria Tahap I
28 Juni 2021 idA- idA-
Tahun 2019 100,000 2 9.75 -
28 June 2019 - (Single A Minus) (Single A Minus)
Bank Victoria Continuing
28 June 2021
Bonds II Phase I Year 2019
Obligasi Subordinasi
Berkelanjutan II Bank Victoria 28 Juni 2019 -
Tahap I Tahun 2019 28 Juni 2026
250,000 7 11.75 idBBB (Triple B) idBBB (Triple B) -
Bank Victoria Continuing 28 June 2019 -
Subordination Bonds II 28 June 2026
Phase I Year 2019
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Status
Total Pembayaran
Peringkat
(Juta Tenor Peringkat Payment Status
Tingkat Suku Bunga Saat
Uraian Rupiah) (Tahun) Tanggal Terakhir
Interest Rates Diterbitkan Belum
Description Total Tenure Date Latest
(%) Ratings at Lunas Lunas
(Million (Year) Ratings
Issuance Paid Not
Rupiah)
Paid
Obligasi Subordinasi
Berkelanjutan II Bank Victoria 8 November
Tahap II Tahun 2019 2019 –
150,000 7 11.25 idBBB (Triple B) idBBB (Triple B) -
Bank Victoria Continuing 8 November
Subordination Bonds II 2026
Phase II Year 2019
Obligasi Subordinasi
Berkelanjutan II Bank Victoria
Tahap III Tahun 2020 1 April 2020 -
60,000 7 11.25 idBBB (Triple B) idBBB (Triple B) -
Bank Victoria Continuing 1 April 2027
Subordination Bonds II
Phase III Year 2020
Obligasi Berkelanjutan III
Bank Victoria Tahap I
Tahun 2023 dengan tingkat 9 Maret 2023 -
bunga tetap Seri A 9 Maret 2026 idA- idA-
300,000 3 9.25 -
Bank Victoria Series A 9 March 2023 - (Single A Minus) (Single A Minus)
Continuing Bonds III 9 March 2026
Phase I Year 2023 at
fixed interest rate
Obligasi Berkelanjutan III
Bank Victoria Tahap I
Tahun 2023 dengan tingkat 9 Maret 2023 -
bunga tetap Seri B 9 Maret 2028 idA- idA-
200,000 5 10.25 -
Bank Victoria Series B 9 March 2023 - (Single A Minus) (Single A Minus)
Continuing Bonds III 9 March 2028
Phase I Year 2023 at fixed
interest rate
Obligasi Subordinasi
Berkelanjutan III Bank Victoria 12 Juli 2024 -
Tahap I Tahun 2024 12 Juli 2029
500,000 5 10.75 idBBB (Triple B) idBBB (Triple B) -
Bank Victoria Continuous 12 July 2024 -
Subordinated Bonds III 12 July 2029
Phase I Year 2024
Obligasi Berkelanjutan III
12 Juli 2024 -
Bank Victoria Tahap II
12 Juli 2027 idA- idA-
Tahun 2024 500,000 3 9.50 -
12 July 2024 - (Single A Minus) (Single A Minus)
Bank Victoria Continuing
12 July 2027
Bonds III Phase II Year 2024
Keterangan rating / Rating description :
* BBB+ dari PT Kasnic Duff dan Phelps Credit rating Indonesia. / BBB+ from PT Kasnic Duff and Phelps Credit Rating Indonesia.
* A3.id dari PT Moody’s Indonesia (setara A-. Kasnic). / A3.id from PT Moody’s Indonesia (equal to A-. Kasnic).
* Baa2.id dari PT Moody’s Indonesia (setara BBB. Kasnic). / Baa2.id from PT Moody’s Indonesia (equal to BBB. Kasnic).
* idBBB+ (Triple B) dari PT Pemeringkat Efek Indonesia (PEFINDO). / idBBB + (Triple B) from PT Pemeringkat Efek Indonesia (PEFINDO).
* idA- (Single A Minus) dari PT Pemeringkat Efek Indonesia (PEFINDO). / idA- (Single A Minus) from PT Pemeringkat Efek Indonesia (PEFINDO).
* idBBB (Triple B) dari PT Pemeringkat Efek Indonesia (PEFINDO). / idBBB (Triple B) from PT Pemeringkat Efek Indonesia (PEFINDO).
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Profil Perusahaan
Company Profile
Struktur Grup
Group Structure
Masyarakat/
Pemegang Saham <5% Suzanna Tanojo PT Victoria Investama Tbk
Public/Shareholders <5%
36.42% 19.35%
44.23% 80.19% 72.95% 99.50% 99.33% 95.00% 99.99%
PT Bank PT Victoria PT Victoria PT Victoria
PT Bank Victoria PT Victoria PT Sumber
Victoria Sekuritas Alife Manajemen
International Tbk Insurance Tbk Daya Sakti
Syariah Indonesia Indonesia Investasi
19.81%
Informasi Penggunaan Jasa Akuntan Publik
dan Kantor Akuntan Publik
Information on the Use of Public Accountant Services and Public Accounting Firms
Kantor Akuntan Publik Kantor Akuntan Publik Purwanto, Sungkoro & Surja (Member of Ernst & Young)
Public Accounting Firm Purwanto, Sungkoro & Surja Public Accounting Firm (Member of Ernst & Young)
Alamat Jasa yang Diberikan
Address Services Provided
Indonesia Stock Exchange Building Audit Laporan Keuangan tahun buku 2024 (tanpa jasa non-audit).
Tower 2 Lantai 7 / 7th Floor Audit of Financial Statements for 2024 fiscal year (without non-audit services).
Jl. Jenderal Sudirman Kav. 52-53
Nama Akuntan Publik Periode Penugasan Biaya Jasa
Jakarta 12190
Name of Public Accountant Assignment Period Services Fee
T : (021) 5289 5000
F : (021) 5289 4100 Yovita 2024 Rp1,720,000,000
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Lembaga dan Profesi Penunjang Pasar Modal
Capital Market Supporting Institutions and Professionals
Biaya Jasa
Uraian Nama Alamat Jasa yang Diberikan
Services Fee
Description Name Address Services Provided
(Rp)
Biro Administrasi Efek PT Adimitra Jasa Korpora Rukan Kirana Boutiqe Office Jasa Administrasi Daftar Rp46,000,000
Jl. Kirana Avenue III Blok F3 No. 5 Pemegang Saham dan
Kelapa Gading Administrasi Waran
Jakarta Utara / North Jakarta 14250 No. AF088/BVIC/032023 dan
Share Registrar Bureau T : (021) 2974 5222 No. PW-145/BVIC/092022
F : (021) 2928 9961 Shareholder Registration
E : opr@adimitra-jk.co.id and Warrant
W : www.adimitrajk.co.id Administration Services
No. AF088/BVIC/032023 and
No. PW-145/BVIC/092022
Pencatatan Efek Bursa Efek Indonesia Indonesia Stock Exchange Building Tower I Pencatatan Tahunan Saham Rp509,500,000
Jl. Jenderal Sudirman Kav. 52-53 dan/atau Efek Bersifat Utang
Jakarta Selatan / South Jakarta 12190 dan Sukuk.
Securities Listing Indonesia Stock Exchange T : (021) 5150 515 Annual Listing of Shares and/or
F : (021) 5150 330 Debt Securities and Sukuk.
W : www.idx.co.id
Notaris Fathiah Helmi, SH Graha Irama Lantai 6C Pembuatan Akta Berita Rp40,800,000
Jl. HR Rasuna Said Kav. 1–2 Acara dan Akta Pernyataan
Jakarta 12950 Keputusan RUPS Tahunan.
Notary T : (021) 5290 7304 Preparation of Deed of Minutes
(021) 5290 7305 and Deed of Statement of
(021) 5290 7306 Annual GMS Resolutions.
F : (021) 5261 136
E : fhchozie@gmail.com
Perusahaan Pemeringkat Efek PT Pemeringkat Efek Equity Tower Lantai 30 • Pemeringkatan Atas Obligasi Rp665,000,000
Indonesia Sudirman Central Business District Lot. 9 Subordinasi Berkelanjutan III
Jl. Jenderal Sudirman Kav. 52-53 Bank Victoria Tahap I
Jakarta 12190 Tahun 2024;
T : (021) 5096 8469 • Pemeringkatan Atas
F : (021) 5096 8468 Obligasi Berkelanjutan III
W : www.pefindo.com Bank Victoria Tahap II
Tahun 2024; dan
• Pemeringkatan Tahunan
Perusahaan, Obligasi,
dan Obligasi Subordinasi
Bank Victoria.
Securities Rating Agency • Rating of Bank Victoria’s
Continuous Subordinated
Bonds III Phase I Year 2024;
• Rating of Bank Victoria’s
Continuing Bonds III
Phase II Year 2024; and
• Bank Victoria’s Annual
Rating of the Company,
Bonds, and Subordinated
Bond.
Wali Amanat PT Bank Mega Tbk Menara Bank Mega Jasa Tahunan Wali Amanat Rp442,500,000
Jl. Kapten Tendean No. 12–12A Atas Obligasi dan Obligasi
Jakarta 12970 Subordinasi Bank.
Trustee T : (021) 7917 5000 Annual Trustee Service
F : (021) 7918 7100 on the Bank’s Bonds and
W : www.bankmega.com Subordinated Bonds.
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Analisis dan Pembahasan Manajemen Management Discussion and Analysis 104 PT Bank Victoria International Tbk | Laporan Tahunan dan Keberlanjutan 2024 Annual and Sustainability Report
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Analisis dan Pembahasan Manajemen
Management Discussion and Analysis
Tinjauan Ekonomi dan Industri
Economic and Industrial Overview
Perekonomian Global dan Nasional Global and National Economy
Dinamika geopolitik dunia yang cepat berubah, disertai The rapidly changing global geopolitical dynamics, accompanied by
dengan tingkat ketidakpastian yang tinggi, telah memengaruhi high levels of uncertainty, affected global economic developments
perkembangan ekonomi global sepanjang tahun 2024. throughout 2024. Global economic growth slowed to 3.2% in 2024,
Pertumbuhan ekonomi global tercatat melambat menjadi 3,2% from 3.3% in 2023. This slowdown was influenced by geopolitical
pada tahun 2024, dari sebelumnya 3,3% pada tahun 2023. tensions involving major countries, which caused volatility in global
Perlambatan ini dipengaruhi oleh ketegangan geopolitik yang commodity prices and disruptions to supply chains, thus impacting
melibatkan negara-negara besar, yang menyebabkan volatilitas the international trade balance and global investment flows.
harga komoditas global dan gangguan rantai pasok, sehingga Uncertainty about economic policies, including due to changes
berdampak pada neraca perdagangan internasional dan arus in leadership in a number of major countries, also affected market
investasi global. Ketidakpastian kebijakan ekonomi, termasuk sentiment and long-term investment decisions in various sectors.
akibat pergantian kepemimpinan di sejumlah negara utama, turut
memengaruhi sentimen pasar dan keputusan investasi jangka
panjang di berbagai sektor.
Perlambatan ekonomi global turut memengaruhi kebijakan moneter The slowdown in global economic also affected the monetary
bank-bank sentral dan dinamika pasar keuangan dunia. Inflasi policies of central banks and the dynamics of global financial
global tercatat menurun dari 6,2% pada 2023 menjadi 5,2% pada markets. Global inflation decreased from 6.2% in 2023 to 5.2%
2024, namun diperkirakan masih berada pada tingkat yang relatif in 2024, but was estimated to remain at a relatively high level in
tinggi dalam beberapa tahun ke depan, yaitu sebesar 4,5% pada the next few years, namely 4.5% in 2025 and 4.2% in 2026. The trade
2025 dan 4,2% pada 2026. Risiko perang dagang antara Amerika war risk between United States and a number of its trading partners,
Serikat dan sejumlah mitra dagangnya, potensi gangguan rantai the disruption potential for global supply chain, is still the main
pasok global, masih menjadi faktor utama yang membayangi factor overshadowing the prospects for the world economy.
prospek perekonomian dunia.
Memasuki triwulan III 2024, dengan meredanya ketegangan Entering quarter III of 2024, with the easing of political tensions
politik dan arah inflasi yang mulai melandai, sejumlah bank sentral and the inflation direction that began to flatten, a number of
mulai melonggarkan kebijakan moneternya. Bank Sentral Amerika central banks began to relax their monetary policies. The United
Serikat (The Fed) menjadi salah satu yang mengambil langkah States Central Bank (The Fed) is one of those who took this step by
tersebut dengan mulai menurunkan Federal Funds Rate (FFR) pada starting to lower the Federal Funds Rate (FFR) in September 2024.
September 2024. Pelonggaran kebijakan ini memberikan sentimen This policy loosening provided positive sentiment in the global
positif di pasar keuangan global. financial market.
Sementara itu, proses pemulihan ekonomi Indonesia terus Meanwhile, Indonesia’s economic recovery process continued
berlanjut dengan pertumbuhan ekonomi tercatat sebesar 5,02% with economic growth recorded at 5.02% (year-on-year) in 2024.
(year-on-year) pada tahun 2024. Meskipun sedikit lebih rendah Though slightly lower than the previous year’s growth of 5.04%,
dibandingkan pertumbuhan tahun sebelumnya yang mencapai this achievement still showed the national economy’s resilience.
5,04%, capaian tersebut tetap menunjukkan resiliensi perekonomian This growth was primarily supported by increased investment,
nasional. Pertumbuhan ini terutama ditopang oleh kenaikan maintained household consumption, and increased government
investasi, terjaganya konsumsi rumah tangga, serta peningkatan spending.
belanja pemerintah.
Dari sisi lapangan usaha, seluruh sektor menunjukkan From business field side, all sectors showed growth, with
pertumbuhan, dengan kontribusi tertinggi berasal dari jasa the highest contribution from other services at 9.80%, followed
lainnya sebesar 9,80%, diikuti oleh sektor transportasi dan by transportation and warehousing sector at 8.69%, and the
pergudangan sebesar 8,69% serta penyediaan akomodasi dan provision of accommodation and food and beverages at 8.56%.
makan minum sebesar 8,56%. Sementara dari sisi pengeluaran, Meanwhile, on expenditure side, the highest growth was achieved
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pertumbuhan tertinggi dicapai oleh konsumsi lembaga nonprofit by consumption of non-profit institutions serving households at
yang melayani rumah tangga sebesar 12,48%, disusul oleh 12.48%, followed by consumption expenditure of government at
pengeluaran konsumsi pemerintah sebesar 6,61%, dan ekspor 6.61%, and exports of goods and services at 6.51%.
barang dan jasa sebesar 6,51%.
Sumber: Source:
• Bank Indonesia, “Laporan Perekonomian Indonesia 2024”; dan • Bank Indonesia, “Indonesia Economic Report 2024”; and
• Badan Pusat Statistik, “Pertumbuhan Ekonomi Indonesia Triwulan IV-2024 BRS • Statistics Indonesia, “Indonesia’s Economic Growth Quarter IV-2024 BRS
No. 17/02/Th. XXVIII, 5 Februari 2025”. No. 17/02/Th. XXVIII, 5 February 2025”.
Tinjauan Pasar Keuangan dan Overview of Financial Market and
Industri Perbankan Banking Industry
Menutup tahun 2024, sektor perbankan Indonesia kembali Closing 2024, the Indonesian banking sector again demonstrated
menunjukkan daya tahan (resilience) di tengah ketidakpastian global its resilience amid global uncertainty and domestic economic
dan tantangan ekonomi domestik. Melalui strategi yang inovatif dan challenges. Through innovative and responsive strategies, banking
responsif, industri perbankan berhasil menjaga stabilitas sistem industry managed in maintaining financial system stability,
keuangan, mendukung aktivitas perekonomian, serta memperkuat supporting economic activity, and strengthening stakeholders
kepercayaan para pemangku kepentingan sebagai salah satu pilar confidence as one main pillar in the process of national economic
utama dalam proses pemulihan dan pertumbuhan ekonomi nasional. recovery and growth.
Sepanjang tahun 2024, kinerja intermediasi perbankan tetap Throughout 2024, banking intermediation performance remained
solid, tecermin dari pertumbuhan kredit bank umum yang solid, reflected in the growth of commercial bank loans which
mencapai 10,39%, dari Rp7.090,24 triliun pada tahun sebelumnya reached 10.39%, from Rp7,090.24 trillion in the previous year to
menjadi Rp7.827,15 triliun. Berdasarkan kelompok penggunaannya, Rp7,827.15 trillion. Based on its usage group, working capital loans
kredit modal kerja tumbuh 8,35% (yoy), kredit konsumsi sebesar grew by 8.35% (yoy), consumer credit by 10.61% (yoy), and investment
10,61% (yoy), dan kredit investasi sebesar 13,62% (yoy). Di sisi lain, loans by 13.62% (yoy). On the other hand, sharia financing also
pembiayaan syariah juga mengalami pertumbuhan sebesar 9,87% grew by 9.87% (yoy), while lending to the MSME sector grew by
(yoy), sementara penyaluran kredit kepada sektor UMKM tercatat 3.37% (yoy). Credit quality was properly maintained, as reflected in
tumbuh sebesar 3,37% (yoy). Kualitas kredit tetap terjaga baik, the gross NPL ratio of 2.08% and net NPL of 0.74%.
yang tercermin dari rasio NPL bruto sebesar 2,08% dan NPL neto
sebesar 0,74%.
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Dari sisi penghimpunan dana, dana pihak ketiga tumbuh In terms of funding, third party funds grew by 4.48%, from
sebesar 4,48%, dari Rp8.457,93 triliun menjadi Rp8.837,24 triliun. Rp8,457.93 trillion to Rp8,837.24 trillion. This growth was driven by
Pertumbuhan tersebut didorong oleh peningkatan pada giro sebesar the increase in demand deposits of 3.34% (yoy), savings deposits
3,34% (yoy), tabungan sebesar 6,78% (yoy), dan deposito sebesar of 6.78% (yoy), and time deposits of 3.50% (yoy). The growth in third
3,50% (yoy). Pertumbuhan dana pihak ketiga turut menopang party funds also supported banking liquidity, as reflected in the
likuiditas perbankan, yang tercermin dari rasio alat likuid terhadap ratio of liquid assets to non-core deposits (AL/NCD) of 112.87% and
non-core deposit (AL/NCD) sebesar 112,87% dan rasio alat likuid the ratio of liquid assets to third party funds (AL/DPK) of 25.59%,
terhadap dana pihak ketiga (AL/DPK) sebesar 25,59%, jauh di atas far above the thresholds of 50% and 10%, respectively. Banking
threshold masing-masing sebesar 50% dan 10%. Ketahanan industri industry’s resilience also remained strong, with a capital rating
perbankan juga tetap kuat, dengan tingkat permodalan yang reflected in capital adequacy ratio (CAR) which reached 26.68%.
tercermin dari capital adequacy ratio (CAR) yang mencapai 26,68%.
Secara keseluruhan, kinerja industri perbankan nasional pada Overall, the performance of the national banking industry in
tahun 2024 menunjukkan hasil. Aset, dana pihak ketiga, dan 2024 showed some results. Assets, third-party funds, and loans,
kredit masing-masing mencatatkan pertumbuhan sebesar 5,91%, each recorded growth of 5.91%, 4.48%, and 10.39%, respectively.
4,48%, dan 10,39%. Sementara itu, Kelompok Bank berdasarkan Meanwhile, the Bank Group based on Core Capital (KBMI) 1 also
Modal Inti (KBMI) 1 juga menunjukkan kinerja yang solid, dengan showed solid performance, with the growth of assets of 5.04%, third
pertumbuhan aset sebesar 5,04%, dana pihak ketiga sebesar party funds of 6.15%, and loans of 7.05% throughout 2024. These
6,15%, dan kredit sebesar 7,05% sepanjang tahun 2024. Capaian ini achievements confirmed that banking industry was still one of
menegaskan bahwa industri perbankan tetap menjadi salah satu the driving forces of Indonesia’s economic recovery and growth,
motor penggerak pemulihan dan pertumbuhan ekonomi Indonesia, while also demonstrating the resilience of financial sector in facing
sekaligus menunjukkan ketahanan sektor keuangan dalam global and domestic economic dynamics.
menghadapi dinamika ekonomi global dan domestik.
Sumber: Source:
• Bank Indonesia, “Laporan Perekonomian Indonesia 2024”; • Bank Indonesia, “Indonesia Economic Report 2024”;
• Otoritas Jasa Keuangan, “Siaran Pers : Refleksi 2024: Perbankan Indonesia Tetap • Financial Services Authority, “Press Release: Reflection 2024: Indonesian Banking
Solid dan Melangkah Optimis di Tengah Ketidakpastian Ekonomi Global, 31 Desember Remains Solid and Steps Optimistically Amidst Global Economic Uncertainty,
2024”; 31 December 2024”;
• Otoritas Jasa Keuangan, “Statistik Perbankan Indonesia - Desember 2024”; serta • Financial Services Authority, “Indonesian Banking Statistics - December 2024”; and
• Kementerian Keuangan Republik Indonesia, “Siaran Pers : Stabilitas Sistem Keuangan • Ministry of Finance of the Republic of Indonesia, “Press Release: Financial System
Tetap Terjaga di Tengah Divergensi Pertumbuhan Ekonomi Dunia dan Ketidakpastian Stability Remains Maintained Amidst Divergence in World Economic Growth and
Pasar Keuangan Global, 24 Januari 2025”. Global Financial Market Uncertainty, 24 January 2025”.
Tinjauan Operasional
Operational Overview
Strategi Pengembangan Bisnis Business Development Strategy
Di tengah tantangan yang terus berkembang, seperti kondisi Amidst the ever-growing challenges, such as uncertain global
ekonomi global yang tidak pasti, transformasi teknologi yang economic conditions, rapid technology transformation, and changes
berlangsung cepat, serta perubahan preferensi nasabah, Bank to customer preferences, the Bank realizes the importance of
menyadari pentingnya memiliki strategi bisnis yang adaptif dan having an adaptive and innovative business strategy. This strategy
inovatif. Strategi ini diperlukan tidak hanya untuk mempertahankan is necessary not only to maintain its position in the market, but also
posisi di pasar, tetapi juga untuk mendorong peningkatan to drive sustainable profitability.
profitabilitas secara berkelanjutan.
Sebagai respons terhadap tantangan tersebut, Bank berkomitmen In response to such challenges, the Bank is committed to
untuk terus melakukan inovasi terhadap produk, jasa, dan layanan continuing to innovate its products and services offered, as well as
yang ditawarkan, serta mengembangkan saluran pemasaran developing marketing channels and other supporting infrastructure.
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dan infrastruktur pendukung lainnya. Tujuannya adalah untuk The objective is to create relevant, efficient, and satisfying banking
menciptakan pengalaman perbankan yang relevan, efisien, dan experiences for customers, in line with the needs of the times and
memuaskan bagi nasabah, sejalan dengan kebutuhan zaman dan the dynamics of financial industry.
dinamika industri keuangan.
Sebagai wujud nyata dari komitmen tersebut, Bank telah menyusun As a concrete manifestation of this commitment, the Bank has
rencana strategis Bank, yang di dalamnya memuat arah kebijakan prepared a strategic plan for the Bank, which sets out the policy
serta strategi pengembangan bisnis yang dijalankan oleh direction and business development strategy implemented by
Bank Victoria pada tahun 2024 sebagai berikut: Bank Victoria in 2024 as follows:
1. Strategi Perkreditan 1. Loans Strategies
Strategi di bidang perkreditan diarahkan untuk menjaga dan The strategy in loan sector is directed at maintaining and
meningkatkan kualitas kredit, termasuk mendorong penyaluran improving loan quality, including encouraging environmentally
kredit yang ramah lingkungan guna mencapai pertumbuhan friendly lending to achieve sound and sustainable growth
yang sehat dan berkelanjutan dengan tetap mengedepankan by still prioritizing prudential financing principles. Several
prinsip kehati–hatian (prudential financing). Adapun beberapa strategies implemented include:
strategi yang dijalankan mencakup:
a. Memproyeksikan pertumbuhan total kredit secara selektif a. Projecting total loan growth selectively and conservatively
dan konservatif pada kisaran 9-11%; in the range of 9-11%;
b. Meningkatkan penyaluran kredit melalui model bisnis b. Increasing lending through a channeling business model
channeling dengan menjalin kerja sama bersama fintech, by collaborating with fintech, Bank Perkreditan Rakyat,
Bank Perkreditan Rakyat, perusahaan multifinance, dan multifinance companies, and cooperatives, in order to
koperasi, guna memperluas portofolio kredit, meningkatkan expand the loan portfolios, increase the potential for fee-
potensi pendapatan berbasis komisi (fee based income), based income, and expand market reach;
serta memperluas jangkauan pasar;
c. Mengembangkan ekosistem digital lending untuk c. Developing a digital lending ecosystem to accelerate the
mempercepat proses penyampaian informasi dan process of delivering information and loan applications to
pengajuan kredit kepada debitur; debtors;
d. Menjaga dan meningkatkan kualitas kredit melalui d. Maintaining and improving loan quality through regular
pemantauan debitur secara berkala, pelaksanaan sistem debtor monitoring, implementing early warning system,
peringatan dini (early warning system), serta penguatan and strengthening human resource capacity and support
kapasitas sumber daya manusia dan sistem pendukung; systems;
e. Mempercepat penyelesaian kredit yang dihapus buku dan e. Accelerating the settlement of written-off loans and
mempercepat penjualan agunan yang diambil alih, antara lain accelerating the sale of foreclosed assets, including
termasuk melalui pemanfaatan platform digital Bank; dan through the use of the Bank’s digital platform; and
f. Mengoptimalkan program pelatihan yang berkesinambungan f. Optimizing continuous training programs to increase the
untuk meningkatkan kompetensi tenaga penjualan di bidang competence of sales personnel in loan sector.
perkreditan.
2. Strategi Pendanaan dan Pengembangan Layanan 2. Funding and Development Strategies
Strategi dalam bidang pendanaan difokuskan pada upaya The strategy in funding sector is focused on efforts to maintain
menjaga loyalitas nasabah, meningkatkan basis nasabah baru, customer loyalty, increase new customer base, and strengthen
serta memperkuat struktur pendanaan yang sehat dan optimal. a sound and optimal funding structure. All strategic steps are
Seluruh langkah strategis diarahkan untuk mencapai pertumbuhan directed towards achieving sustainable growth and are based
yang berkelanjutan dan berbasis pada pengendalian biaya dana on controlling the cost of funds. The strategies implemented by
(cost of fund). Adapun strategi yang dijalankan Bank Victoria Bank Victoria throughout 2024 were as follows:
sepanjang tahun 2024 adalah sebagai berikut:
a. Menargetkan pertumbuhan secara tahunan (year-on-year) a. Targeting annual growth (year-on-year) in the range of
pada kisaran 8–10%, dengan fokus utama pada efisiensi 8–10%, with a primary focus on cost of funds efficiency;
cost of fund;
b. Merancang berbagai program akuisisi nasabah baru, antara b. Designing various new customer acquisition programs,
lain melalui penawaran cashback atau skema bunga yang including through cashback offers or attractive interest
menarik untuk meningkatkan daya tarik produk pendanaan; scheme to increase the attractiveness of funding products;
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Analisis dan Pembahasan Manajemen
Management Discussion and Analysis
c. Meningkatkan pendapatan berbasis komisi (fee-based c. Increasing fee-based income through collaboration
income) melalui kerja sama dan peningkatan penjualan and increasing sales of products such as Retail Bonds,
produk-produk seperti Obligasi Ritel, Bancassurance, dan Bancassurance, and mutual funds;
reksadana;
d. Melakukan pengembangan berkelanjutan terhadap d. Carrying out continuous development of digital platforms
platform digital seperti Internet Banking, Mobile Banking, such as Internet Banking, Mobile Banking, Internet Banking
Internet Banking Business, dan Mobile Banking Corporate Business, and Mobile Banking Corporate by improving
dengan penyempurnaan fitur dan produk digital yang competitive digital features and products and customer
kompetitif dan kebutuhan nasabah; needs;
e. Meningkatkan kualitas layanan melalui pengembangan e. Improving service quality through the development of
digital operations, termasuk implementasi layanan video digital operations, including the implementation of video
banking yang memungkinkan transaksi non-tunai secara banking services that enable virtual non-cash transactions
virtual namun tetap mengedepankan prinsip kehati-hatian by still prioritizing the principles of prudence and security;
dan keamanan;
f. Memperluas eksposur produk dan layanan Bank Victoria f. Expanding exposure of Bank Victoria products and services
kepada publik melalui media sosial dan berbagai kegiatan to the public through social media and various other
promosi lainnya; promotional activities;
g. Mengembangkan layanan transaksi perbankan guna g. Developing banking transaction services to support
mendukung kebutuhan transaksi para pemangku the transaction needs of stakeholders, while expanding
kepentingan (stakeholder), sekaligus memperluas peluang business opportunities;
bisnis;
h. Mendukung pelaksanaan keuangan berkelanjutan melalui h. Supporting the implementation of sustainable finance
program corporate social responsibility (CSR) yang berfokus through corporate social responsibility (CSR) programs
pada bidang kesehatan, pendidikan, dan kemasyarakatan; that focus on health, education, and society; and
dan
i. Meningkatkan sinergi bisnis dengan grup usaha, termasuk i. Increasing business synergy with business groups,
dalam pengembangan layanan berbasis syariah sebagai including in the development of sharia-based services as
bagian dari strategi pertumbuhan berkelanjutan. part of a sustainable growth strategy.
3. Strategi Bidang Operasional dan Teknologi Sistem Informasi 3. Operational and Information Systems Technology Strategies
Dalam rangka mendukung operasional bisnis yang efisien dan To support efficient and sustainable business operations,
berkelanjutan, Bank Victoria memprioritaskan pemanfaatan Bank Victoria prioritizes the utilization and development
serta pengembangan teknologi informasi guna memperkuat of information technology to strengthen service quality,
kualitas layanan, efektivitas operasional, keamanan sistem, dan operational effectiveness, system security, and compliance
kepatuhan terhadap regulasi yang berlaku. Adapun strategi with applicable regulations. The strategies implemented in the
yang diterapkan dalam bidang operasional dan teknologi operational and information system technology fields in 2024
sistem informasi pada tahun 2024 meliputi: included:
a. Meningkatkan service excellence kepada nasabah guna a. Improving service excellence to customers to ensure the
memastikan kelancaran dan kecukupan operasional Bank; smooth and adequacy of the Bank’s operations;
b. Melanjutkan evaluasi kinerja jaringan kantor cabang b. Continuing performance evaluation of the branch
termasuk dari aspek geografis, untuk mendorong office network including from a geographical aspect, to
penjualan, produktivitas, efisiensi, dan profitabilitas secara encourage sales, productivity, efficiency, and profitability
menyeluruh; as a whole;
c. Melakukan review dan pengembangan terhadap kontrol c. Reviewing and developing information technology system
pengamanan sistem teknologi informasi guna menjaga security controls to maintain system effectiveness and
efektivitas sistem dan memastikan kepatuhan terhadap ensure compliance with regulatory requirements;
ketentuan regulator;
d. Menguatkan dan mengembangkan kapabilitas operasional d. Strengthening and developing operational capabilities to
guna meningkatkan kualitas interaksi dengan nasabah improve the quality of interactions with customers and
serta menunjang kelangsungan operasional dan rencana support the sustainability of the Bank’s operations and
bisnis Bank; business plans;
e. Meningkatkan layanan dan produk perbankan berbasis e. Improving banking services and products based on digital
digital banking; banking;
f. Melanjutkan transformasi digital secara berkelanjutan f. Continuing digital transformation in a sustainable manner
untuk mendukung seluruh aktivitas bisnis dan layanan; to support all business activities and services;
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g. Mengembangkan proyek berbasis analytics untuk g. Developing analytics-based projects to strengthen the
memperkuat dukungan terhadap operasional, kepatuhan, support for operations, compliance, customer relations,
relasi nasabah, monitoring layanan, serta mempercepat service monitoring, and accelerating management
fungsi pengawasan manajemen (management oversight) di oversight functions across all branches and business units;
seluruh cabang dan unit usaha;
h. Melakukan relokasi data center untuk menunjang h. Relocating data centers to support the Bank’s operational
keberlangsungan operasional Bank, termasuk memastikan sustainability, including ensuring system sustainability in
kelangsungan sistem dalam kondisi krisis atau bencana; conditions of crisis or disaster;
i. Melakukan peningkatan dan pembaruan aplikasi serta i. Improving and updating IT applications and infrastructure
infrastruktur TI untuk mendukung kebutuhan bisnis yang to support dynamic business needs;
dinamis;
j. Mengoptimalkan pengelolaan proyek dengan menerapkan j. Optimizing project management by implementing a
system development life cycle (SDLC) menggunakan system development life cycle (SDLC) using agile/scrum
metode agile/scrum maupun waterfall, sesuai dengan or waterfall methods, according to project characteristics;
karakteristik proyek; dan and
k. Meningkatkan koordinasi dan komunikasi internal serta k. Improving internal coordination and communication with
dengan pemangku kepentingan dalam pengembangan stakeholders in information technology development
teknologi informasi untuk memastikan sinergi dan to ensure synergy and alignment of IT strategy with the
keselarasan strategi TI dengan arah bisnis Bank. Bank’s business direction.
Strategi Pemasaran Marketing Strategy
Aspek pemasaran merupakan elemen krusial dalam membangun Marketing aspect is a crucial element in establishing and
dan memperkuat hubungan antara Bank dan nasabah, sekaligus strengthening relationship between the Bank and customers,
menjadi sarana untuk memperluas pangsa pasar di tengah as well as becoming a means to expand market share amidst
persaingan industri perbankan yang semakin kompetitif. Seiring the increasingly competitive banking industry. Along with
dengan berkembangnya teknologi serta perubahan perilaku dan the technology development and changes to customer behavior
preferensi nasabah, Bank dituntut untuk merancang strategi and preferences, the Bank is required to design a marketing
pemasaran yang tidak hanya efektif, tetapi juga relevan dengan strategy that is not only effective, but also relevant to the needs and
kebutuhan dan karakteristik pasar yang terus berubah. Pada characteristics of the ever-changing market. In 2024, Bank Victoria
tahun 2024, Bank Victoria menerapkan aktivitas pemasaran yang implemented marketing activities primarily focusing on a number of
utamanya berfokus pada sejumlah strategi sebagai berikut: strategies as follows:
1. Mewujudkan inovasi produk dan layanan, khususnya pada kanal 1. Realizing product and service innovation, particularly in digital
digital serta pengembangannya, dengan dukungan sistem channels and their development, with the support of information
teknologi informasi guna menciptakan keunggulan kompetitif technology systems to create competitive advantages and
dan meningkatkan loyalitas nasabah. Langkah ini ditujukan untuk increase customer loyalty. This step is intended to encourage
mendorong pertumbuhan pendapatan operasional, termasuk growth in operational income, including fee-based income, and
fee based income, serta memperluas pangsa pasar Bank; expand the Bank’s market share;
2. Melanjutkan evaluasi atas kinerja jaringan kantor, termasuk 2. Continuing the evaluation of office network performance,
mempertimbangkan relokasi ke wilayah yang memiliki potensi including considering relocation to areas with more profitable
bisnis lebih menguntungkan, disertai pengenalan secara business potential, accompanied by intensive introduction of
intensif terhadap produk dan layanan digital sebagai bentuk digital products and services as a form of the latest innovation
inovasi terkini yang ditawarkan Bank; dan offered by the Bank; and
3. Mendorong optimalisasi peran jaringan kantor dalam 3. Encouraging role optimization of office network in implementing
pelaksanaan program literasi keuangan, inklusi keuangan, financial literacy programs, financial inclusion, and sustainability
dan inisiatif keberlanjutan (sustainability), sebagai bagian dari initiatives, as part of efforts to expand access to banking
upaya memperluas akses layanan perbankan dan mendukung services and support the sustainable development agenda.
agenda pembangunan yang berkelanjutan.
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Analisis dan Pembahasan Manajemen
Management Discussion and Analysis
Pangsa Pasar Market Share
Bank Victoria melakukan pemetaan terhadap pangsa pasar Bank Bank Victoria periodically carries out mapping on the Bank’s market
secara periodik, yaitu melalui perbandingan terhadap Perbankan share, that is through comparisons with National Banking (BUK) and
Nasional (BUK) dan Kelompok Bank dengan Modal Inti (KBMI) 1, Bank Group with Core Capital (KBMI) 1, with the Bank’s market share
dengan pangsa pasar Bank pada periode 2023-2024 dapat dilihat in the period 2023-2024 presented in the following table:
pada tabel berikut:
(dalam miliar Rupiah,kecuali dinyatakan lain / in billion Rupiah, unless stated otherwise)
2024 2023
Dana Dana
Uraian Aset Kredit Pihak Ketiga Aset Kredit Pihak Ketiga Description
Assets Loans Third-Party Assets Loans Third-Party
Funds Funds
Perbankan Nasional (BUK) 12,460,955 7,827,148 8,837,242 11,765,838 7,090,243 8,457,929 National Banking (BUK)
KBMI 1 1,447,345 804,546 974,815 1,377,864 751,536 918,307 KBMI 1
Bank Victoria 31,046 20,560 23,332 29,624 18,629 22,429 Bank Victoria
Pangsa Pasar Terhadap
0.25 0.26 0.26 0.25 0.26 0.27 Market Share to BUK (%)
BUK (%)
Pangsa Pasar Terhadap Market Share of
2.15 2.56 2.39 2.15 2.48 2.44
KBMI 1 (%) KBMI 1 (%)
Pangsa Pasar Bank Victoria Terhadap Industri Bank Victoria’s Market Share in Banking
Perbankan Industry
Berdasarkan total aset, penguasaan pasar Bank Victoria terhadap Based on the total assets, Bank Victoria’s market share in national
Industri perbankan nasional pada tahun 2024 tercatat sebesar banking industry in 2024 was recorded at 0.25%, the same as
0,25%, sama seperti capaian pada tahun sebelumnya. Dari sisi the achievement in the previous year. In terms of third party
dana pihak ketiga, pangsa pasar Bank Victoria pada tahun 2024 funds, Bank Victoria’s market share in 2024 was 0.26%, a slight
sebesar 0,26%, mengalami sedikit penurunan dibandingkan tahun decrease compared to 0.27% in 2023. Meanwhile, from lending side,
2023 yang sebesar 0,27%. Sementara itu, dari sisi penyaluran kredit, Bank Victoria’s market share on banking industry in 2024 remained
pangsa pasar Bank Victoria terhadap industri perbankan pada at 0.26%, unchanged from that of the previous year.
tahun 2024 tetap berada di level 0,26%, tidak mengalami perubahan
dibandingkan tahun sebelumnya.
Pangsa Pasar Bank Victoria Terhadap KBMI 1 Bank Victoria’s Market Share of KBMI 1
Pada kelompok Bank berdasarkan Modal Inti KBMI 1, pangsa pasar Bank In the Bank group based on KBMI 1 Core Capital, Bank Victoria’s
Victoria dari sisi total aset tercatat sebesar 2,15% pada tahun 2024, market share in terms of total assets was recorded at 2.15% in
sama seperti pada tahun 2023. Dari sisi dana pihak ketiga, pangsa 2024, the same as that of 2023. In terms of third party funds, Bank
pasar Bank Victoria pada tahun 2024 mencapai 2,39%, sedikit menurun Victoria’s market share in 2024 reached 2.39%, slightly down from
dari 2,44% pada tahun sebelumnya. Sementara itu, pangsa pasar kredit 2.44% in the previous year. Meanwhile, the market share of lending
yang disalurkan Bank Victoria terhadap KBMI 1 mengalami peningkatan by Bank Victoria to KBMI 1 increased from 2.48% in 2023 to 2.56%
dari 2,48% pada tahun 2023 menjadi 2,56% pada tahun 2024. in 2024.
Suku Bunga Dasar Bank Prime Lending Rate
Sebagai salah satu bank umum, Bank Victoria memiliki As a commercial bank, Bank Victoria is required to report and
kewajiban untuk melaporkan dan mempublikasikan Suku Bunga publish the Prime Lending Rate (SBDK) in Rupiah in accordance
Dasar Kredit (SBDK) dalam mata uang Rupiah sesuai dengan with the provisions of Financial Services Authority Regulation
ketentuan yang diatur dalam Peraturan Otoritas Jasa Keuangan No. 37/POJK.03/2019 on Transparency and Publication of
No. 37/POJK.03/2019 tentang Transparansi dan Publikasi Laporan Bank Reports. SBDK serves as an initial guideline for determining
Bank. SBDK berfungsi sebagai pedoman awal dalam penetapan the lending rate that will be charged to customers.
suku bunga kredit yang akan dikenakan kepada nasabah.
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Perlu diketahui bahwa nilai SBDK belum mencakup komponen It should be noted that SBDK value does not include the risk
estimasi premi risiko, yang besarnya sangat tergantung pada premium estimation component, the amount of which highly
hasil penilaian Bank terhadap profil risiko masing-masing debitur depends on the Bank’s assessment of the risk profile of each debtor
atau kelompok debitur. Oleh karena itu, suku bunga kredit yang or group of debtors. Therefore, the prime lending rate charged to
dikenakan kepada nasabah dapat lebih tinggi dari SBDK, tergantung customers may be higher than SBDK, depending on the credit risk
pada risiko kredit dan kebijakan internal Bank. and the Bank’s internal policies.
Bank Victoria melakukan penyesuaian suku bunga secara bertahap Bank Victoria gradually and carefully adjusts the interest rate,
dan berhati-hati, dengan mempertimbangkan berbagai faktor by considering various external factors such as macroeconomic
eksternal seperti kondisi makroekonomi, ketersediaan likuiditas, conditions, liquidity availability, and the direction of benchmark
serta arah pergerakan suku bunga acuan BI 7-day (Reverse) Repo interest rate BI 7-day (Reverse) Repo Rate. This adjustment aims
Rate. Penyesuaian ini bertujuan untuk menjaga keseimbangan at maintaining a balance between the competitiveness of loans
antara daya saing kredit yang ditawarkan dengan pengelolaan risiko offered and risk management as well as business sustainability
dan keberlanjutan usaha Bank. Adapun rincian tingkat SBDK Bank of the Bank. The details of Bank Victoria’s SBDK are presented in
Victoria disajikan dalam tabel berikut: the following table:
Tingkat Suku Bunga Penghimpunan Dana Rata-Rata Setahun
Annual Average Interest Rate of Funding
(dalam % / in %)
Uraian 2024 2023 Description
Giro Demand Deposits
Rupiah 0.67 0.86 Rupiah
Dolar Amerika Serikat 0.82 0.48 United States Dollar
Tabungan Savings Deposits
Rupiah 0.9 1.06 Rupiah
Dolar Amerika Serikat N/A N/A United States Dollar
Deposito Berjangka Time Deposits
Rupiah 6.20 5.20 Rupiah
Dolar Amerika Serikat 4.20 2.97 United States Dollar
Tingkat Suku Bunga Dasar Kredit Rupiah (Prime Lending Rate) Per Tahun
Rupiah Prime Lending Rate Per Year
(dalam % / in %)
Kredit Konsumsi 2)
Kredit Kredit Consumer Credit2)
Kredit Ritel2)
Korporasi2) Mikro3)
Komponen1) Retail Non-KPR4) Component1)
Corporate Micro KPR
Credit2) Non-House
Loans2) Credit3) House Loan
Loan4)
Harga Pokok Dana untuk Kredit (HPDK) / Cost of Funds for Loans (HPDK)
Biaya Dana 6.60 6.60 6.60 6.60 6.60 Cost of Funds
Biaya Dana Pihak Ketiga 5.53 5.53 5.53 5.53 5.53 Cost of Third-Party Funds
Biaya Dana Bukan Pihak Ketiga 1.07 1.07 1.07 1.07 1.07 Cost of Non-Third-Party Funds
Biaya Dana Liabilitas Cost of Liability Funds
0.28 0.28 0.28 0.28 0.28
kepada Bank Lain to Other Banks
Biaya Dana Liabilitas Cost of Liability Funds
0.00 0.00 0.00 0.00 0.00
kepada Bank Indonesia to Bank Indonesia
Biaya Dana Surat Berharga 0.79 0.79 0.79 0.79 0.79 Cost of Securities Funds
Biaya Dana Pinjaman
0.00 0.00 0.00 0.00 0.00 Cost of Borrowing Funds
yang Diterima
Biaya Dana Liabilitas Cost of Inter-Office
0.00 0.00 0.00 0.00 0.00
Antar Kantor Liability Funds
Biaya Dana Liabilitas Cost of Capital Finance
0.00 0.00 0.00 0.00 0.00
Keuangan Permodalan Liability Funds
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Analisis dan Pembahasan Manajemen
Management Discussion and Analysis
Kredit Konsumsi2)
Kredit Kredit Consumer Credit2)
Kredit Ritel2)
Korporasi2) Mikro3)
Komponen1) Retail Non-KPR4) Component1)
Corporate Micro KPR
Credit2) Non-House
Loans2) Credit3) House Loan
Loan4)
Biaya Dana Lainnya 0.00 0.00 0.00 0.00 0.00 Cost of Other Funds
Biaya Promosi dan Cost of Promotion and
Pemasaran Terkait 0.00 0.00 0.00 0.00 0.00 Marketing related to
Pendanaan Funding
Lainnya 0.00 0.00 0.00 0.00 0.00 Others
Biaya Jasa 0.00 0.00 0.00 0.00 0.00 Cost of Services
Biaya Regulasi 0.00 0.00 0.00 0.00 0.00 Cost of Regulations
Cost of Statutory
Biaya GWM 0.00 0.00 0.00 0.00 0.00
Reserve Requirement
Biaya Premi Cost of Deposit
Penjaminan Lembaga 0.00 0.00 0.00 0.00 0.00 Insurance Corporation
Penjamin Simpanan Guarantee Premium
HPDK Lainnya 0.00 0.00 0.00 0.00 0.00 Other HPDK
Biaya Kas 0.00 0.00 0.00 0.00 0.00 Cost of Cash
Lainnya 0.00 0.00 0.00 0.00 0.00 Others
Biaya Overhead / Overhead Cost
Biaya Tenaga Kerja 0.74 0.74 0.74 0.74 0.74 Labor Cost
Biaya Pendidikan Education and
0.00 0.00 0.00 0.00 0.00
dan Pelatihan Training Cost
Biaya Penelitian Research and
0.00 0.00 0.00 0.00 0.00
dan Pengembangan Development Cost
Biaya Sewa 0.00 0.00 0.00 0.00 0.00 Rent Cost
Biaya Promosi dan Pemasaran 0.06 0.06 0.06 0.06 0.06 Promotion and Marketing Cost
Cash Back 0.00 0.00 0.00 0.00 0.00 Cash Back
Hadiah 0.00 0.00 0.00 0.00 0.00 Gifts
Iklan dan Promosi 0.06 0.06 0.06 0.06 0.06 Advertising and Promotion
Sponsorship/ Sponsorship/
0.00 0.00 0.00 0.00 0.00
Entertainment Entertainment
Lainnya 0.00 0.00 0.00 0.00 0.00 Others
Biaya Pemeliharaan Repairs and Maintenance
0.00 0.00 0.00 0.00 0.00
dan Perbaikan Cost
Biaya Penyusutan Aset Tetap Depreciation of Fixed Asset
0.00 0.00 0.00 0.00 0.00
dan Inventaris and Inventory Cost
Biaya Overhead Lainnya 1.56 1.56 1.56 1.56 1.56 Other Overhead Cost
Biaya Barang/Jasa Goods/Services and
0.00 0.00 0.00 0.00 0.00
dan Administrasi Administration Cost
Lainnya 1.56 1.56 1.56 1.56 1.56 Others
Margin Keuntungan 1.00 1.50 2.50 1.00 2.50 Profit Margin
Suku Bunga Dasar Kredit
9.96 10.46 11.46 9.96 11.46 Prime Lending Rate (SBDK)
(SBDK)
Estimasi Premi Risiko 1.02 1.02 1.02 1.02 1.02 Risk Premium Estimation
Loan Interest Rate
Suku Bunga Kredit
10.98 11.48 12.48 10.98 12.48 (SBDK + Risk Premium
(SBDK + Estimasi Premi Risiko)
Estimation)
Keterangan: / Description:
1) Masing-masing komponen diisi sepanjang digunakan untuk membiayai kredit; / Each component is filled in as long as it is used to finance credit;
2) Penggolongan kredit korporasi, kredit ritel, dan kredit konsumsi (KPR dan Non-KPR) dilakukan berdasarkan kriteria yang ditetapkan oleh internal Bank; / The classification of corporate
credit, retail credit, and consumer credit (House Loan and Non-House Loan) is carried out based on the criteria set by the Bank’s internal party;
3) Penggolongan kredit mikro berpedoman pada definisi usaha mikro; serta / The classification of micro credit refers to the definition of micro business; and
4) Tidak termasuk kartu kredit dan kredit tanpa agunan (KTA). / Does not include credit cards and unsecured credit (KTA).
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Tingkat Suku Bunga Pinjaman Rata-Rata Setahun
Annual Average Interest Rate of Loans
(dalam % / in %)
Uraian 2024 2023 Description
Rupiah 10.27 9.85 Rupiah
Dolar Amerika Serikat 5.39 8.85 United States Dollar
Tinjauan Segmen Usaha Business Segment Overview
Penjelasan dan Kinerja Operasional Explanation and Operational Performance of
Segmen Operasi Operating Segment
Dalam menjalankan kegiatan usaha, Bank Victoria memiliki 1 (satu) In carrying out its business activities, Bank Victoria has 1 (one)
segmen usaha utama, yaitu segmen konvesional, yang mencakup main business segment, namely the conventional segment, which
produk pinjaman, penghimpunan dana pihak ketiga, serta includes loan products, third-party funding, and various other
berbagai jasa perbankan lainnya. Seluruh kegiatan usaha Bank banking services. All of the Bank’s business activities are focused
difokuskan pada segmen ini sebagai bagian dari strategi bisnis yang on this segment as part of business strategies oriented towards
berorientasi pada pertumbuhan berkelanjutan dan peningkatan sustainable growth and improved customer service.
pelayanan kepada nasabah.
Adapun penjelasan mengenai kinerja segmen konvensional The explanation regarding the conventional segment performance
Bank Victoria sepanjang tahun 2024 diuraikan sebagai berikut: of Bank Victoria throughout 2024 is outlined as follows:
1. Penghimpunan Dana (Simpanan) 1. Funding (Savings)
Bank menjalankan kegiatan penghimpunan dana dari The Bank carries out funding activities from the community
masyarakat melalui 3 (tiga) jenis produk utama, yaitu tabungan, through 3 (three) main types of products, namely savings
giro, dan deposito berjangka. Masing-masing produk memiliki deposits, demand deposits, and time deposits. Each product
karakteristik dan keunggulan tersendiri yang dirancang untuk has its own characteristics and advantages designed to meet
menjawab kebutuhan nasabah dengan berbagai profil. the needs of customers with various profiles.
Tabungan memberikan kemudahan akses dan fleksibilitas dalam Savings deposits provide easy access and flexibility in daily
transaksi harian, giro ditujukan bagi nasabah individu maupun transactions, demand deposits are intended for individual
korporasi yang memerlukan fasilitas pembayaran lebih dinamis, and corporate customers who require more dynamic payment
sedangkan deposito berjangka menawarkan imbal hasil lebih facilities, while time deposits offer higher returns with a certain
tinggi dengan jangka waktu tertentu. period of time.
Kinerja ketiga jenis produk simpanan tersebut selama 2 (dua) The performance of the three types of savings products over
tahun terakhir tercermin dalam pertumbuhan dana pihak ketiga the past 2 (two) years is reflected in the growth of the Bank’s
Bank dan diuraikan lebih lanjut dalam tabel berikut: third party funds and is further outlined in the following table:
Total Rekening Dana Pihak Ketiga
Total Accounts of Third-Party Funds
(dalam unit rekening, kecuali dinyatakan lain / in account unit, unless stated otherwise)
Kenaikan
Komposisi Komposisi (Penurunan)
Uraian 2024 Composition 2023 Composition Increase Description
(%) (%) (Decrease)
(%)
Tabungan 52,529 66.84 41,191 65.71 27.53 Savings Deposits
Giro 3,114 3.96 2,564 4.09 21.45 Demand Deposits
Deposito Berjangka 22,759 28.96 18,781 29.96 21.18 Time Deposits
Negotiable Certificate Deposits 181 0.23 150 0.24 20.67 Negotiable Certificate Deposits
Total 78,583 100.00 62,686 100.00 25.36 Total
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Analisis dan Pembahasan Manajemen
Management Discussion and Analysis
Sepanjang tahun 2024, Bank berhasil menghimpun total rekening Throughout 2024, the Bank managed to collect total of
dana pihak ketiga sebesar 78.583 unit rekening, mengalami 78,583 account units of third party fund accounts, increased by
kenaikan sebesar 25,36% dibandingkan dengan tahun sebelumnya 25.36% compared to that of the previous year of 62,686 account
yang tercatat sebesar 62.686 unit rekening. Perubahan tersebut units. Such changes were mainly influenced by the savings deposits
terutama dipengaruhi oleh produk tabungan yang mengalami product which increased by 27.53%.
peningkatan sebesar 27,53%.
Pada tahun 2024, produk tabungan menjadi kontributor utama terhadap In 2024, the savings deposits product became the main contributor
total rekening dana pihak ketiga dengan proporsi sebesar 66,84%, to the total accounts of third party funds, with a proportion of
mencerminkan preferensi nasabah terhadap instrumen simpanan 66.84%, reflecting customer preferences for savings deposits
yang memberikan kemudahan akses dan fleksibilitas transaksi. instrument that provided easy access and transaction flexibility.
Total Dana Pihak Ketiga
Total Third-Party Funds
(dalam juta Rupiah, kecuali dinyatakan lain / in million Rupiah, unless stated otherwise)
Kenaikan
Komposisi Komposisi (Penurunan)
Uraian 2024 Composition 2023 Composition Increase Description
(%) (%) (Decrease)
(%)
Tabungan 3,286,886 14.09 2,881,781 12.85 14.06 Savings Deposits
Giro 2,914,891 12.49 2,484,506 11.08 17.32 Demand Deposits
Deposito Berjangka 16,701,533 71.58 16,668,585 74.32 0.20 Time Deposits
Negotiable Certificate Deposits 428,802 1.84 394,309 1.76 8.75 Negotiable Certificate Deposits
Total 23,332,112 100.00 22,429,180 100.00 4.03 Total
Total dana pihak ketiga yang berhasil dihimpun Bank Victoria The total third party funds collected by Bank Victoria in 2024 were
pada tahun 2024 tercatat sebesar Rp23,33 triliun, mengalami recorded at Rp23.33 trillion, an increase of 4.03% compared to
peningkatan sebesar 4,03% dibandingkan tahun sebelumnya yang Rp23.42 trillion in the previous year. This increase was mainly driven
tercatat sebesar Rp23,42 triliun. Peningkatan ini terutama didorong by the growth of funds in demand deposits and savings deposits
oleh pertumbuhan dana pada produk giro dan tabungan, yang products, which respectively grew by 17.32% and 14.06%.
masing-masing tumbuh sebesar 17,32% dan 14,06%.
Meskipun terjadi peningkatan pada seluruh jenis produk simpanan, Despite the increase in all types of savings deposits product,
deposito berjangka masih menjadi kontributor utama dalam struktur time deposits remained as the main contributor to Bank Victoria’s
dana pihak ketiga Bank Victoria, dengan komposisi sebesar 71,58% third-party funds structure, with a composition of 71.58% of the total
dari total dana pihak ketiga di tahun 2024. third-party funds in 2024.
2. Penyaluran Dana (Pinjaman) 2. Lending (Loans)
Sebagai bagian dari pelaksanaan fungsi intermediasi, Bank As part of intermediation function implementation,
menyalurkan dana dalam bentuk pinjaman kepada nasabah, baik the Bank carries out lending in form of loans to customers, both
perorangan maupun korporasi. Penyaluran kredit ini merupakan individuals and corporations. This lending is one main activity of
salah satu aktivitas utama Bank dalam mendukung pertumbuhan the Bank in supporting economic growth and encouraging the
ekonomi serta mendorong produktivitas sektor riil. productivity of real sector.
Produk-produk pinjaman yang ditawarkan Bank Victoria The loan products offered by Bank Victoria are designed to
dirancang untuk memenuhi kebutuhan pembiayaan yang meet various financing needs, with advantages in the form of
beragam, dengan keunggulan berupa proses yang efisien, efficient processes, tenor flexibility, and competitive interest
fleksibilitas tenor, serta penawaran tingkat suku bunga rate offerings. The Bank also continues to evaluate and develop
yang kompetitif. Bank juga terus melakukan evaluasi dan credit schemes on offer, so that they remain relevant and
pengembangan terhadap skema kredit yang ditawarkan, agar attractive to the target market segment.
tetap relevan dan menarik bagi segmen pasar yang dituju.
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Adapun kinerja penyaluran pinjaman Bank selama 2 (dua) The Bank’s lending performance over the past 2 (two) years
tahun terakhir mencerminkan pertumbuhan yang stabil, seiring reflects stable growth, in line with the Bank’s efforts to maintain
dengan upaya Bank dalam menjaga kualitas portofolio kredit the quality of its loan portfolio and expand its debtor base.
dan memperluas basis debitur. Rincian kinerja produk pinjaman The details of loan products performance are presented in
tersebut disajikan dalam tabel berikut: the following table:
Produk Pinjaman Berdasarkan Pihak
Loan Products by Party
(dalam juta Rupiah, kecuali dinyatakan lain / in million Rupiah, unless stated otherwise)
Kenaikan
Komposisi Komposisi (Penurunan)
Uraian 2024 Composition 2023 Composition Increase Description
(%) (%) (Decrease)
(%)
Pihak Ketiga 20,436,393 99.40 18,484,847 99.23 10.56 Third Parties
Pihak Berelasi 123,467 0.60 143,896 0.77 (14.20) Related Party
Total 20,559,860 100.00 18,628,743 100.00 10.37 Total
Sepanjang tahun 2024, penyaluran dana dalam bentuk kredit Throughout 2024, lending in the form of loans to third parties
kepada pihak ketiga tercatat sebesar Rp20,44 triliun, mengalami was recorded at Rp20.44 trillion, an increase of 10.56% compared
kenaikan sebesar 10,56% dibandingkan tahun 2023 yang sebesar to Rp18.48 trillion in 2023. Meanwhile, lending to related parties
Rp18,48 triliun. Sementara itu, penyaluran dana kepada pihak decreased by 14.20%, from Rp143.90 billion in the previous year to
berelasi mengalami penurunan sebesar 14,20%, dari Rp143,90 miliar Rp123.47 billion in 2024. In terms of composition, the Bank’s loan
pada tahun sebelumnya menjadi Rp123,47 miliar di tahun 2024. portfolio is still dominated by loans to third parties with a portion of
Secara komposisi, portofolio kredit Bank masih didominasi oleh 99.40% of the total lending.
pinjaman kepada pihak ketiga dengan porsi sebesar 99,40% dari
total penyaluran pinjaman.
Produk Pinjaman Berdasarkan Jenis Pinjaman
Loan Products by Types of Loans
(dalam juta Rupiah, kecuali dinyatakan lain / in million Rupiah, unless stated otherwise)
Kenaikan
Komposisi Komposisi (Penurunan)
Uraian 2024 Composition 2023 Composition Increase Description
(%) (%) (Decrease)
(%)
Pinjaman Tetap 10,085,769 49.06 9,697,513 52.06 4.00 Fixed Loans
Pinjaman Konsumen 167,347 0.81 164,627 0.88 1.65 Consumer Loans
Pinjaman Rekening Koran 2,122,250 10.32 1,871,767 10.05 13.38 Overdraft Loans
Pinjaman Tetap dengan
8,110,450 39.45 6,864,293 36.85 18.15 Fixed Loans with Installments
Angsuran
Pinjaman Serba Guna 74,045 0.36 30,543 0.16 142.43 Multi Purpose Loans
Total 20,559,860 100.00 18,628,743 100.00 10.37 Total
Pada periode 31 Desember 2024, Bank menyalurkan total pinjaman In the period of 31 December 2024, the Bank distributed total loans
sebesar Rp20,56 triliun, meningkat sebesar 10,37% dibandingkan of Rp20.56 trillion, an increase of 10.37% compared to that of 2023
tahun 2023 yang tercatat sebesar Rp18,63 triliun. Peningkatan ini of Rp18.63 trillion. This increase was mainly supported by the growth
terutama ditopang oleh pertumbuhan pinjaman tetap dengan of fixed loans with installments which increased by 18.15%, as well
angsuran yang meningkat sebesar 18,15%, serta pinjaman tetap as fixed loans that grew by 4.00%. In terms of the composition,
yang tumbuh sebesar 4,00%. Dari sisi komposisi portofolio pinjaman Bank Victoria’s loan portfolio was still dominated by fixed loans, with
Bank Victoria masih didominasi oleh pinjaman tetap, dengan a proportion of 49.06% of the total lending in 2024.
proporsi sebesar 49,06% dari total pinjaman yang disalurkan pada
tahun 2024.
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Analisis dan Pembahasan Manajemen
Management Discussion and Analysis
Produk Pinjaman Berdasarkan Sektor Ekonomi
Loan Products by Economic Sector
(dalam juta Rupiah, kecuali dinyatakan lain / in million Rupiah, unless stated otherwise)
Kenaikan
Komposisi Komposisi (Penurunan)
Uraian 2024 Composition 2023 Composition Increase Description
(%) (%) (Decrease)
(%)
Lembaga Pembiayaan 5,577,685 27.13 5,563,012 29.86 0.26 Financing
Perdagangan, Restoran, dan Hotel 4,092,649 19.91 3,574,240 19.19 14.50 Trading, Restaurant, and Hotel
Industri 3,015,057 14.66 2,186,357 11.74 37.90 Industry
Real Estat 2,476,933 12.05 2,533,799 13.60 (2.24) Real Estate
Konstruksi 1,100,320 5.35 737,807 3.96 49.13 Construction
Jasa-Jasa Sosial/Masyarakat 417,107 2.03 349,351 1.88 19.39 Social/Community Services
Lain-Lain 3,880,110 18.87 3,684,177 19.78 5.32 Others
Total 20,559,860 100.00 18,628,743 100.00 10.37 Total
Pada tahun 2024, sektor lembaga pembiayan memberikan kontribusi In 2024, the financing institution sector contributed the largest
terbesar terhadap penyaluran pinjaman Bank Victoria, yaitu sebesar to Bank Victoria’s lending, amounting to Rp5.58 trillion or 27.13%
Rp5,58 triliun atau 27,13% dari total pinjaman. Sementara itu, sektor of total loans. Meanwhile, social/community services became
jasa-jasa sosial/masyarakat menjadi sektor dengan kontribusi the sector with the smallest contribution, with a loan value of
terkecil, dengan nilai pinjaman sebesar Rp417,11 miliar atau 2,03% Rp417.11 billion or 2.03% of total loans.
dari total pinjaman.
Produk Pinjaman UMKM
MSME Loan Products
(dalam juta Rupiah, kecuali dinyatakan lain / in million Rupiah, unless stated otherwise)
Kenaikan
Komposisi Komposisi (Penurunan)
Uraian 2024 Composition 2023 Composition Increase Description
(%) (%) (Decrease)
(%)
Usaha Mikro - - - - - Micro Business
Usaha Kecil 13,778 0.43 16,499 0.54 (16.49) Small Business
Usaha Menengah 3,157,840 99.57 3,037,478 99.46 3.96 Medium Business
Total 3,171,618 100.00 3,053,977 100.00 3.85 Total
Pada akhir tahun 2024, total pinjaman UMKM tercatat mengalami At the end of 2024, the total MSME loans increased by 3.85%,
peningkatan sebesar 3,85%, dari sebelumnya sebesar Rp3,05 triliun from previously Rp3.05 trillion at the end of 2023 to Rp3.17 trillion.
pada akhir tahun 2023 menjadi Rp3,17 triliun. Peningkatan ini This increase mainly came from the medium-sized business segment
terutama berasal segmen usaha menengah yang mengalami which grew by 3.96% compared to that of the previous year.
pertumbuhan sebesar 3,96% dibandingkan tahun sebelumnya.
3. Jasa Layanan 3. Services
Bank Victoria menyediakan berbagai layanan penunjang untuk Bank Victoria provides various supporting services to
mendukung kemudahan dan kenyamanan nasabah dalam support customer convenience and comfort in transactions.
bertransaksi. Layanan tersebut mencakup transaksi kliring, The services include clearing transaction, postpaid and prepaid
pembayaran tagihan postpaid dan prepaid, pembayaran bill payments, Telkom payment, employee salary payment
Telkom, pembayaran gaji karyawan (payroll), hingga fasilitas (payroll), to banking service facilities through ATM Victoria.
layanan perbankan melalui ATM Victoria.
Berbagai layanan ini dirancang untuk menjawab kebutuhan These various services are designed to address financial
transaksi keuangan nasabah, baik individu maupun korporasi, transaction needs of customers, both individuals and
dengan tetap mengedepankan efisiensi, kecepatan, dan corporations, while still prioritizing efficiency, speed, and
keandalan sistem. Bank juga terus berupaya melakukan system reliability. The Bank also strives to develop and enhance
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pengembangan dan penyempurnaan layanan guna services to improve customer satisfaction and banking service
meningkatkan kepuasan nasabah dan daya saing layanan competitiveness on an ongoing basis.
perbankan secara berkelanjutan.
Kinerja layanan perbankan Bank Victoria dalam 2 (dua) tahun The performance of Bank Victoria’s banking services in the past
terakhir diuraikan dalam tabel berikut: 2 (two) years is outlined in the following table:
Layanan Keuangan
Financial Services
(dalam juta Rupiah, kecuali dinyatakan lain / in million Rupiah, unless stated otherwise)
Kenaikan
Komposisi Komposisi (Penurunan)
Uraian 2024 Composition 2023 Composition Increase Description
(%) (%) (Decrease)
(%)
Kliring 156,031 18.90 584,733 29.78 (73.32) Clearing
Postpaid 6,823 0.83 7,748 0.39 (11.94) Postpaid
Prepaid 133 0.02 111 0.01 19.82 Prepaid
Pembayaran Telkom 8,238 1.00 8,429 0.43 (2.27) Telkom Payment
Pembayaran Gaji Karyawan 100,784 12.21 92,026 4.69 9.52 Employees’ Salary Payments
ATM Victoria 553,746 67.06 1,270,649 64.71 (56.42) ATM Victoria
Total 825,755 100.00 1,963,696 100.00 (57.95) Total
Per 31 Desember 2024, jasa layanan keuangan Bank Victoria tercatat As of 31 December 2024, Bank Victoria’s financial services were
sebesar Rp825,76 miliar. Jumlah tersebut mengalami penurunan recorded at Rp825.76 billion. This amount decreased by 57.95%
sebesar 57,95% dibandingkan dengan periode sebelumnya pada compared to that of the previous period in 2023 of Rp1.96 trillion.
tahun 2023 yang tercatat sebesar Rp1,96 triliun. Menurunnya The decline in income from the Bank’s financial services was mainly
pendapatan dari jasa layanan keuangan Bank terutama dipengaruhi due to the decrease in Victoria’s ATM services by 56.42%.
oleh penurunan layanan ATM Victoria sebesar 56,42%.
Layanan Bank Devisa
Foreign Exchange Bank Services
Total Rekening Dana Pihak Ketiga Layanan Bank Devisa
Total Third-Party Accounts for Foreign Exchange Bank Services
(dalam unit rekening, kecuali dinyatakan lain / in account unit, unless stated otherwise)
Kenaikan
Komposisi Komposisi (Penurunan)
Uraian 2024 Composition 2023 Composition Increase Description
(%) (%) (Decrease)
(%)
Giro 808 65.00 738 66.79 9.49 Demand Deposits
Deposito Berjangka 435 35.00 367 33.21 18.53 Time Deposits
Total 1,243 100.00 1,105 100.00 12.49 Total
Pada tahun 2024, total rekening dana pihak ketiga dari layanan bank In 2024, the total accounts of third party funds from foreign
devisa meningkat sebesar 12,49% dari 1.105 unit rekening di tahun exchange bank services increased by 12.49% from 1,105 account
2023 menjadi 1.243 unit rekening di tahun 2024. Total rekening units in 2023 to 1,243 account units in 2024. The total accounts
produk giro tercatat meningkat sebesar 9,49%, sementara total of demand deposits product increased by 9.49%, while the total
rekening produk deposito berjangka juga mengalami peningkatan accounts of time deposits product also increased by 18.53%
sebesar 18,53% dibandingkan tahun sebelumnya. compared to those of the previous year.
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Total Dana Pihak Ketiga Layanan Bank Devisa
Total Third-Party Funds for Foreign Exchange Bank Services
(dalam juta Rupiah, kecuali dinyatakan lain / in million Rupiah, unless stated otherwise)
Kenaikan
Komposisi Komposisi (Penurunan)
Uraian 2024 Composition 2023 Composition Increase Description
(%) (%) (Decrease)
(%)
Giro 69,851 8.10 66,622 9.64 4.85 Demand Deposits
Deposito Berjangka 792,560 91.90 624,321 90.36 26.95 Time Deposits
Total 862,411 100.00 690,943 100.00 24.82 Total
Sejalan dengan meningkatnya total rekening dana pihak ketiga In line with the increase in the total accounts of third-party funds
dari layanan bank devisa di tahun 2024, jumlah dana yang from foreign exchange bank services in 2024, the total funding
berhasil dihimpun juga mengalami peningkatan sebesar 24,82%, also increased by 24.82%, from previously Rp690.94 billion in 2023
dari sebelumnya sebesar Rp690,94 miliar di tahun 2023 menjadi to Rp862.94 billion in 2024. Such change was mainly driven by an
Rp862,41 miliar di tahun 2024. Perubahan tersebut terutama increase in third-party funds from foreign exchange bank services
didorong oleh peningkatan dana pihak ketiga layanan bank devisa for time deposits product by 26.95%.
produk deposito berjangka sebesar 26,95%.
Transaksi Melalui Jaringan Layanan Utama
Transactions through the Main Service Network
Jumlah Transaksi
Total Transactions
Kenaikan
Komposisi Komposisi (Penurunan)
Uraian 2024 Composition 2023 Composition Increase Description
(%) (%) (Decrease)
(%)
Mobile Banking 1,782,570 73.85 1,765,192 71.38 0.98 Mobile Banking
Internet Banking 11,965 0.50 17,118 0.69 (30.10) Internet Banking
Teller 139,368 5.77 156,012 6.31 (10.67) Teller
ATM 479,794 19.88 534,724 21.62 (10.27) ATM
Total 2,413,697 100.00 2,473,046 100.00 (2.40) Total
Pada tahun 2024, total jumlah transaksi Bank Victoria tercatat In 2024, the total number of transactions at Bank Victoria was
sebanyak 2.413.697 transaksi. Kanal mobile banking masih mendominasi 2,413,697 transactions. The mobile banking channel still dominated
sebagai saluran transaksi utama, diikuti oleh ATM, sementara as the main transaction channel, followed by ATMs, while
kontribusi dari Internet Banking dan teller tercatat relatif kecil. the contribution from Internet Banking and tellers was relatively
Komposisi ini menunjukkan bahwa preferensi nasabah tetap small. This composition shows that customer preferences remain
berfokus pada layanan digital yang praktis dan mudah diakses. focused on practical and easily accessible digital services.
Nilai Transaksi
Transaction Value
(dalam juta Rupiah, kecuali dinyatakan lain / in million Rupiah, unless stated otherwise)
Kenaikan
Komposisi Komposisi (Penurunan)
Uraian 2024 Composition 2023 Composition Increase Description
(%) (%) (Decrease)
(%)
Mobile Banking 20,740,368 23.85 9,747,257 14.25 112.78 Mobile Banking
Internet Banking 659,971 0.76 479,592 0.70 37.61 Internet Banking
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Kenaikan
Komposisi Komposisi (Penurunan)
Uraian 2024 Composition 2023 Composition Increase Description
(%) (%) (Decrease)
(%)
Teller 65,226,852 75.01 57,782,495 84.48 12.88 Teller
ATM 331,082 0.38 384,727 0.56 (13.94) ATM
Total 86,958,273 100.00 68,394,071 100.00 27.14 Total
Pada tahun 2024, total nilai transaksi Bank Victoria tercatat sebesar In 2024, the total transaction value of Bank Victoria was
Rp86,96 triliun. Teller menjadi kontributor terbesar terhadap total Rp86.96 trillion. Teller was the largest contributor to the total
nilai transaksi, diikuti oleh mobile banking dan internet banking, transaction value, followed by mobile banking and internet banking,
sedangkan ATM mencatatkan kontribusi yang lebih kecil. Komposisi while ATMs recorded a smaller contribution. This composition
ini menunjukkan pergeseran preferensi nasabah ke arah transaksi shows a shift in customer preferences towards mobile-based digital
digital berbasis mobile. transactions.
Pendapatan dan Profitabilitas Income and Profitability
Pada tahun 2024, Bank Victoria tetap berfokus pada 1 (satu) In 2024, Bank Victoria continued its focus on 1 (one) business
segmen usaha yaitu segmen konvensional. Selain itu, Bank juga segment, namely the conventional segment. In addition, the Bank
mengelompokkan laporan berdasarkan segmen geografis, yang also groups reports based on geographical segments, differentiated
dibedakan menurut wilayah operasional untuk mencerminkan by operational area to reflect differences in risk and return between
perbedaan risiko dan imbal hasil antar daerah. Segmen gerografis regions. The reported geographical segment includes Jadetabek
yang dilaporkan mencakup wilayah Jadetabek, Jawa Barat, region, West Java, Central Java and East Java, and Non Java.
Jawa Tengah dan Jawa Timur, serta Luar Jawa.
Kinerja pendapatan dan profitabilitas dari masing-masing segmen The income and profitability performances of each business
usaha dan segmen geografis untuk tahun 2024 dan 2023 diuraikan segment and geographic segment for 2024 and 2023 are outlined
dalam tabel berikut: in the following table:
Segmen Usaha
Business Segment
(dalam juta Rupiah, kecuali dinyatakan lain / in million Rupiah, unless stated otherwise)
Kenaikan (Penurunan)
Increase (Decrease)
Uraian 2024 2023 Description
(Rp) (%)
Pendapatan Bunga Bersih 548,601 578,729 (30,128) (5.21) Interest Income - Net
Pendapatan Operasional Lainnya 365,736 253,365 112,371 44.35 Other Operating Income
Beban Operasional Lainnya (621,366) (658,023) (36,657) (5.57) Other Operating Expenses
Laba Operasional 292,970 174,071 118,899 68.30 Profit from Operations
Total Aset 31,045,989 29,624,240 1,421,749 4.80 Total Assets
Total Liabilitas 27,112,530 25,799,455 1,313,075 5.09 Total Liabilities
Pada akhir periode 2024, Bank Vicroria mencatatkan pendapatan At the end of the 2024 period, Bank Victoria recorded net interest
bunga – bersih sebesar Rp548,60 miliar, atau menurun sebesar income of Rp548.60 billion, or decreased by 5.21% compared
5,21% dibandingkan dengan tahun 2023 yang tercatat sebesar to Rp578.73 billion in 2023. Meanwhile, other operating income
Rp578,73 miliar. Sementara itu, pendapatan operasional lainnya increased significantly by 44.35% from previously Rp253.37 billion
mengalami peningkatan signifikan sebesar 44,35% dari sebelumnya to Rp365.74 billion in 2024.
Rp253,37 miliar menjadi Rp365,74 miliar pada tahun 2024.
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Dari segi profitabilitas, laba operasional meningkat sebesar 68,30%, In terms of profitability, profit from operations increased by 68.30%,
dari Rp174,07 miliar di tahun 2023 menjadi Rp292,97 miliar pada from Rp174.07 billion in 2023 to Rp292.97 billion in 2024. Meanwhile,
tahun 2024. Adapun total aset dan total liabilitas masing-masing the total assets and total liabilities grew by 4.80% and 5.09%,
mengalami pertumbuhan sebesar 4,80% dan 5,09% pada akhir respectively, at the end of 2024 compared to those of the previous
tahun 2024 dibandingkan dengan tahun sebelumnya. year.
Segmen Geografis
Geographical Segment
(dalam juta Rupiah, kecuali dinyatakan lain / in million Rupiah, unless stated otherwise)
Jawa Tengah
Uraian Jawa Barat dan Jawa Timur Luar Jawa
Jadetabek Total
Description West Java Central Java Non Java
and East Java
2024
Pendapatan Bunga Bersih
549,423 11,106 20,835 (32,763) 548,601
Interest Income - Net
Pendapatan Operasional Lainnya
345,167 1,480 8,441 10,648 365,736
Other Operating Income
Laba (Rugi) Operasional
341,862 2,425 3,679 (54,996) 292,970
Profit (Loss) from Operations
Total Aset
29,256,280 292,161 1,159,177 338,371 31,045,989
Total Assets
Total Liabilitas
24,853,242 318,504 1,017,511 923,273 27,112,530
Total Liabilities
2023
Pendapatan Bunga Bersih
605,904 7,713 (5,953) (28,934) 578,729
Interest Income - Net
Pendapatan Operasional Lainnya
244,425 2,810 3,732 2,398 253,365
Other Operating Income
Laba (Rugi) Operasional
254,533 2,492 (39,104) (43,849) 174,071
Profit (Loss) from Operations
Total Aset
28,781,507 245,132 398,883 198,719 29,624,240
Total Assets
Total Liabilitas
23,861,711 260,086 756,951 920,707 25,799,455
Total Liabilities
Kenaikan (Penurunan) (%)
Increase (Decrease) (%)
Pendapatan Bunga Bersih
(9.32) 43.99 449.98 (13.23) (5.21)
Interest Income - Net
Pendapatan Operasional Lainnya
41.22 (47.35) 126.17 344.02 44.35
Other Operating Income
Laba (Rugi) Operasional
34.31 (2.66) 109.41 (25.42) 68.30
Profit (Loss) from Operations
Total Aset
1.65 19.19 190.61 70.28 4.80
Total Assets
Total Liabilitas
4.16 22.46 34.42 0.28 5.09
Total Liabilities
Pada akhir periode 2024, wilayah Jawa Tengah dan Jawa Timur At the end of the 2024 period, Central Java and East Java regions
mencatatkan pertumbuhan pendapatan bunga – bersih tertinggi recorded the highest growth in net interest income of 449.98%,
sebesar 449,98%, disusul oleh wilayah Jawa Barat dengan followed by West Java region with a growth of 43.99%. Meanwhile,
pertumbuhan sebesar 43,99%. Sementara itu, wilayah Jadetabek Jadetabek region recorded a decrease in net interest income of
mencatatkan penurunan pendapatan bunga – bersih sebesar 9,32%. 9.32%.
Dari sisi profitabilitas, wilayah Jadetabek mencatatkan peningkatan In terms of profitability, Jadetabek region recorded the highest
laba operasional tertinggi sebesar 34,31%, dari sebelumnya sebesar increase in profit from operations of 34.31%, from previously
Rp254,53 miliar menjadi Rp341,86 miliar di tahun 2024. Sebaliknya, Rp254.53 billion to Rp341.86 billion in 2024. Conversely,
wilayah Luar Jawa mencatatkan peningkatan rugi operasional Non Java region recorded an increase in loss from operations of
sebesar 25,42%, dari sebelumnya rugi sebesar Rp43,85 miliar 25.42%, from previously loss of Rp43.85 billion to Rp54.99 billion in
menjadi Rp54,99 miliar pada tahun 2024. 2024.
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Sementara itu, total aset dan total liabilitas di seluruh segmen Meanwhile, the total assets and total liabilities across all
geografis mengalami pertumbuhan. Wilayah Jawa Tengah dan geographical segments experienced growth. The Central Java
Jawa Timur mencatatkan pertumbuhan tertinggi untuk total aset and East Java regions recorded the highest growth for total assets
sebesar 190,61%, dan total liabilitas sebesar 34,42%. Di sisi lain, at 190.61%, and total liabilities at 34.42%. On the other hand, the
pertumbuhan total aset terendah tercatat di wilayah Jadetabek lowest growth in total assets was recorded in Jadetabek region
sebesar 1,65%, dan pertumbuhan total liabilitas terendah tercatat at 1.65%, and the lowest growth in total liabilities was recorded in
di wilayah Luar Jawa sebesar 0,28%. Non Java region at 0.28%.
Prospek Usaha 2025 2025 Business Outlook
Perekonomian global pada tahun 2025 diproyeksikan tumbuh dalam The global economy in 2025 is projected to grow in the range of
kisaran 2,7-3,3%, meskipun masih dibayangi sejumlah ketidakpastian, 2.7-3.3%, though it is still overshadowed by a number of uncertainties,
seperti kebijakan ekonomi dan geopolitik global, pelambatan such as global economic and geopolitical policies, economic
ekonomi di beberapa negara, tekanan inflasi, ketidakstabilan pasar slowdown in several countries, inflationary pressures, financial
keuangan, perubahan iklim, serta gangguan rantai pasok. market instability, climate change, and supply chain disruptions.
Sementara itu, pertumbuhan ekonomi nasional diperkirakan tetap Meanwhile, the national economic growth is expected to
solid pada kisaran 4,7-5,5% dan akan meningkat pada tahun 2026 remain solid in the range of 4.7-5.5% and will increase in 2026 to
menjadi 4,8-5,6%. Pemerintah bersama Bank Indonesia terus 4.8-5.6%. The government, together with Bank Indonesia, continues
mendorong pertumbuhan melalui sinergi antara kebijakan fiskal to encourage growth through synergy between fiscal policy and
dan bauran kebijakan moneter. Dari sisi penawaran, reformasi monetary policy mix. From supply side, structural reforms are
struktural diarahkan untuk memperkuat sektor-sektor ekonomi yang directed at strengthening labor-intensive economic sectors, while
padat karya, sedangkan dari sisi permintaan, akselerasi digitalisasi from the demand side, the digitalization acceleration of payment
sistem pembayaran serta stimulus kebijakan makroprudensial terus system and macroprudential policy stimulus continue to be
dioptimalkan. optimized.
Dalam prospek perekonomian yang tetap positif, pertumbuhan In the positive economic outlook, banking loan growth in 2025 is
kredit perbankan pada tahun 2025 diprakirakan berada di kisaran predicted to be in the range of 11-13%. The inflation rate is predicted
11–13%. Adapun tingkat inflasi diperkirakan tetap terkendali, sejalan to remain under control, in line with the increase in BI-Rate which is
dengan kenaikan BI-Rate yang mampu menjaga ekspektasi inflasi able to keep inflation expectations within the set limits.
tetap dalam batas yang ditetapkan.
Sumber: Source:
• Bank Indonesia, “Laporan Perekonomian Indonesia 2024”; dan • Bank Indonesia, “Indonesia Economic Report 2024”; and
• Kementerian Koordinator Bidang Perekonomian Republik Indonesia, • Coordinating Ministry for Economic Affairs of the Republic of Indonesia,
“Siaran Pers : Tatap Perekonomian 2025, Pemerintah Siapkan Sejumlah Strategi “Press Release: Facing Economy 2025, the Government Prepares a Number of
Menghadapi Tantangan Ketidakpastian Global, 18 Februari 2025”. Strategies to Face Challenges of Global Uncertainty, 18 February 2025”.
Strategi dan Rencana Kerja 2025 Strategies and Work Plans in 2025
Bank Victoria telah menetapkan target jangka pendek untuk Bank Victoria has set short-term targets for the next 1 (one) year
1 (satu) tahun ke depan serta target jangka menengah untuk and medium-term targets for the next 3 (three) years, while still
3 (tiga) tahun mendatang, dengan tetap mengacu pada visi dan misi referring to the Bank’s vision and mission, policy direction, internal
Bank, arah kebijakan, kondisi internal, serta dinamika eksternal yang conditions, and external dynamics projected in 2025. Strategy are
diproyeksikan pada tahun 2025. Strategi disusun dengan tujuan prepared with the aim of maintaining positive business growth
menjaga pertumbuhan dan kinerja usaha yang positif, sekaligus and performance, while strengthening competitiveness amidst
memperkuat daya saing di tengah persaingan industri perbankan the increasingly tight competition in banking industry.
yang semakin ketat. Adapun target jangka pendek yang ingin The short-term targets to be achieved by Bank Victoria in 2025
dicapai Bank Victoria pada tahun 2025 meliputi: include:
1. Menjaga rasio kecukupan modal (CAR) tetap kuat untuk 1. Maintaining strong capital adequacy ratio (CAR) to anticipate
mengantisipasi potensi risiko serta penyesuaian terhadap potential risks and adjustments to tighter capital provisions;
ketentuan permodalan yang lebih ketat;
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2. Mendorong pertumbuhan dana pihak ketiga, kredit, dan total 2. Encouraging growth in third party funds, loans, and total assets
aset dengan mempertimbangkan kondisi ekonomi yang masih with due observance of economic conditions which are still at
berisiko terhadap perlambatan; risk of slowdown;
3. Melanjutkan pelaksanaan Penawaran Umum Berkelanjutan 3. Continuing the implementation of Sustainable Public Offering
(PUB) dan rencana penerbitan Negotiable Certificate of Deposit (PUB) and the plan to issue Negotiable Certificates of Deposit
(NCD); (NCD);
4. Mempertahankan pertumbuhan margin dengan proyeksi 4. Maintaining margin growth with a projected net interest margin
net interest margin (NIM) di atas 2,0%, melalui pengendalian (NIM) of above 2.0%, through controlling the cost of funds;
biaya dana (cost of fund);
5. Menambah jaringan kantor baru secara selektif guna memperluas 5. Adding new office networks selectively to expand geographic
jangkauan geografis dan melakukan optimalisasi terhadap jaringan reach and optimizing existing branch networks through periodic
cabang yang ada melalui evaluasi kinerja secara berkala; performance evaluations;
6. Melanjutkan pengembangan produk dan layanan berbasis 6. Continuing product development and innovation-based
inovasi untuk meningkatkan kepuasan dan loyalitas nasabah; services to increase customer satisfaction and loyalty;
7. Menurunkan nilai agunan yang diambil alih (AYDA) serta 7. Reducing the value of foreclosed assets (AYDA) and improving
meningkatkan kualitas kredit dengan menurunkan NPL neto; credit quality by reducing net NPL;
8. Menerapkan dan mengembangkan sistem informasi manajemen 8. Implementing and developing reliable and secure information
berbasis teknologi informasi yang andal dan aman untuk technology-based management information systems to
mendukung layanan perbankan yang efisien dan terpercaya; dan support efficient and trusted banking services; and
9. Mengimplementasikan perbaikan berkelanjutan dalam penerapan 9. Implementing continuous improvement in carrying out GCG
GCG dan penguatan manajemen risiko secara menyeluruh. and strengthening risk management thoroughly.
Dalam jangka menengah hingga akhir tahun 2027, Bank Victoria In medium term until the end of 2027, Bank Victoria sets a number of
menetapkan sejumlah target strategis yang difokuskan pada strategic targets focused on strengthening business fundamentals
penguatan fundamental bisnis dan keberlanjutan usaha. Target ini and business sustainability. These targets are designed to encourage
dirancang untuk mendorong pertumbuhan yang sehat, efisien, dan healthy, efficient, and sustainable growth, while still prioritizing
berwawasan keberlanjutan, dengan tetap mengedepankan prinsip the principle of prudence and compliance with applicable
kehati-hatian serta kepatuhan terhadap ketentuan yang berlaku. regulations. The targets to be achieved by the Bank include:
Adapun sasaran yang ingin dicapai Bank antara lain:
1. Melanjutkan strategi pengembangan bisnis secara organik, 1. Continuing the organic business development strategy, by
dengan mengoptimalkan sinergi dalam Grup untuk mendorong optimizing synergies within the Group to encourage more
pertumbuhan yang lebih terintegrasi; integrated growth;
2. Memperbaiki struktur pendanaan, khususnya melalui 2. Improving funding structure, particularly by increasing
peningkatan komposisi dana murah (CASA) dalam total dana the composition of low-cost funds (CASA) in total third-party
pihak ketiga, guna menekankan biaya dana (cost of fund) dan funds, to emphasize the cost of funds and strengthen financial
memperkuat efisiensi keuangan; efficiency;
3. Melanjutkan komitmen terhadap penguatan GCG yang 3. Continuing the commitment to strengthening GCG in an
memadai dan sesuai ketentuan regulator agar seluruh proses adequate manner and in accordance with regulatory provisions,
berjalan optimal dan transparan; so that all processes run optimally and transparently;
4. Meningkatkan investasi strategis di bidang teknologi informasi, 4. Increasing strategic investment in information technology,
khususnya dalam hal efisiensi proses, penguatan kontrol, particularly in process efficiency, strengthening control,
peningkatan kualitas layanan, serta mendorong produktivitas improving service quality, and encouraging overall operational
operasional secara keseluruhan, dengan tetap menjaga beban productivity, while maintaining operational costs at a reasonable
operasional di tingkat yang wajar; dan level; and
5. Bertransformasi menjadi lembaga keuangan yang mampu 5. Transforming into a financial institution that can drive
mendorong pertumbuhan ekonomi secara berkelanjutan sustainable economic growth for the community, including
bagi masyarakat, antara lain melalui perluasan layanan inklusi through expanding financial inclusion services, increasing
keuangan, peningkatan literasi keuangan, pemberian kredit financial literacy, providing environmentally responsible
yang bertanggung jawab terhadap lingkungan, penciptaan lending, creating a healthy and productive work environment
lingkungan kerja yang sehat dan produktif bagi karyawan, for employees, and implementing business ethics and
serta penerapan etika bisnis dan kepatuhan terhadap seluruh compliance with all applicable regulations, to support
peraturan yang berlaku, dalam rangka mendukung keberhasilan the successful implementation of the Sustainable Finance
implementasi Rencana Aksi Keuangan Berkelanjutan (RAKB). Action Plan (RAKB).
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Tinjauan Keuangan
Financial Overview
Laporan Posisi Keuangan [POJK C.3]
Statement of Financial Position
Aset
Assets
(dalam juta Rupiah, kecuali dinyatakan lain / in million Rupiah, unless stated otherwise)
Kenaikan (Penurunan)
Uraian 2024 2023 Increase (Decrease) Description
(Rp) (%)
Aset Keuangan
Financial Assets
Kas 71,600 92,821 (21,221) (22.86) Cash
Current Accounts with
Giro pada Bank Indonesia 1,401,053 1,493,077 (92,024) (6.16)
Bank Indonesia
Current Account with
Giro pada Bank Lain 114,473 296,297 (181,824) (61.37)
Other Banks
Penempatan pada Placements with
Bank Indonesia dan 12,197 915,369 (903,171) (98.67) Bank Indonesia and
Bank Lain Bersih Other Banks- Net
Efek-Efek Bersih 7,462,723 6,277,292 1,185,431 18.88 Marketable Securities - Net
Efek-Efek yang Dibeli dengan Securities Purchased
197,776 636,733 (438,957) (68.94)
Janji Dijual Kembali under Resale Agreement
Pendapatan Bunga yang Interest Income
314,751 368,408 (53,656) (14.56)
Masih akan Diterima Bersih Receivables – Net
Pinjaman yang
20,112,894 18,053,871 2,059,023 11.43 Loans - Net
Diberikan – Bersih
Tagihan Akseptasi 17,792 12,475 5,317 42.62 Acceptance Receivables
Penyertaan Saham 219,934 215,931 4,003 1.85 Investments in Shares
Aset Lain-Lain Bersih 171,114 91,463 79,651 87.09 Other Assets - Net
Total Aset Keuangan 30,096,308 28,453,735 1,642,573 5.77 Total Financial Assets
Aset Non Keuangan
Non-Financial Assets
Biaya Dibayar di Muka 31,144 25,465 5,679 22.30 Prepaid Expenses
Aset Tetap dan Aset Hak Fixed Assets and Right-of-
391,434 423,227 (31,794) (7.51)
Guna Bersih Use Assets - Net
Agunan yang Diambil
378,984 550,616 (171,632) (31.17) Foreclosed Assets - Net
Alih Bersih
Aset Tak Berwujud Bersih 11,099 8,193 2,907 35.48 Intangible Assets - Net
Aset Pajak Tangguhan Bersih 137,021 163,004 (25,983) (15.94) Deferred Tax Assets - Net
Total Aset Non-Keuangan 949,681 1,170,505 (220,824) (18.87) Total Non-Financial Assets
Total Aset 31,045,989 29,624,240 1,421,749 4.80 Total Assets
Total Aset Total Assets
Per 31 Desember 2024, total aset Bank Victoria tercatat sebesar As of 31 December 2024, Bank Victoria’s total assets were recorded
Rp31,05 triliun, meningkat 4,80% dibandingkan dengan posisi tahun at Rp31.05 trillion, an increase of 4.80% compared to the previous
sebelumnya sebesar Rp29,62 triliun. Peningkatan ini terutama year’s position of Rp29.62 trillion. This increase was mainly driven by
didorong oleh meningkatnya nilai aset keuangan yang tumbuh the increase in financial assets’ value which grew by 5.77%.
sebesar 5,77%.
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Total Aset Keuangan Total Financial Assets
Total aset keuangan Bank pada tahun 2024 mencapai Rp30,10 triliun, The Bank’s total financial assets in 2024 reached Rp30.10 trillion,
meningkat dari Rp28,45 triliun pada tahun sebelumnya. Kenaikan an increase from Rp28.45 trillion in the previous year. The increase
sebesar 5,77% tersebut terutama berasal dari peningkatan penyaluran of 5.77% mainly came from an increase in net lending of 11.40% or
pinjaman bersih sebesar 11,40% atau setara dengan Rp2,06 triliun. equivalent to Rp2.06 trillion.
Total Aset Non-Keuangan Total Non-Financial Assets
Sementara, total aset non-keuangan Bank mengalami penurunan Meanwhile, the Bank’s total non-financial assets decreased
sebesar 18,87%, dari Rp1,17 triliun pada tahun 2023 menjadi by 18.87%, from Rp1.17 trillion in 2023 to Rp949.68 billion in 2024.
Rp949,68 miliar pada tahun 2024. Penurunan ini terutama disebabkan This decrease was mainly due to a decrease in the value of
oleh turunnya nilai agunan yang diambil alih (AYDA) sebesar 31,17%. foreclosed collateral (AYDA) by 31.17%.
Liabilitas
Liabilities
(dalam juta Rupiah, kecuali dinyatakan lain / in million Rupiah, unless stated otherwise)
Kenaikan (Penurunan)
Uraian 2024 2023 Increase (Decrease) Description
(Rp) (%)
Liabilitas Keuangan
Financial Liabilities
Simpanan Nasabah 23,332,112 22,429,180 902,931 4.03 Deposit from Customers
Simpanan dari Bank Lain 591,018 1,104,803 (513,785) (46.50) Deposits from Other Banks
Efek-efek yang Dijual dengan Securities Sold under
587,475 643,267 (55,792) (8.67)
Janji Dibeli Kembali Repurchase Agreement
Efek-Efek yang Diterbitkan 2,289,413 1,347,640 941,773 69.88 Securities Issued
Utang Akseptasi 17,005 11,960 5,045 42.18 Acceptance Payables
Akrual dan Liabilitas Lain-Lain 215,052 193,458 21,595 11.16 Accruals and Other Liabilities
Total Liabilitas Keuangan 27,032,075 25,730,307 1,301,767 5.06 Total Financial Liabilities
Liabilitas Non Keuangan
Non-Financial Liabilities
Utang Pajak 26,452 29,310 (2,858) (9.75) Taxes Payable
Liabilitas Imbalan Kerja
54,003 39,838 14,166 35.56 Employee Benefits Obligation
Karyawan
Total Liabilitas Total Non-Financial
80,455 69,148 11,307 16.35
Non-Keuangan Liabilities
Total Liabilitas 27,112,530 25,799,455 1,313,075 5.09 Total Liabilities
Total Liabilitas Total Liabilities
Pada akhir tahun 2024, total liabilitas Bank Victoria tercatat sebesar At the end of 2024, Bank Victoria’s total liabilities were recorded at
Rp27,11 triliun, meningkat 5,09% dibandingkan tahun sebelumnya Rp27.11 trillion, an increase of 5.09% compared to Rp25.80 trillion in
yang sebesar Rp25,80 triliun. Kenaikan ini terutama didorong oleh the previous year. This increase was mainly driven by an increase in
peningkatan liabilitas keuangan sebesar 5,06% dan liabilitas non financial liabilities of 5.06% and non-liabilities of 16.35%.
sebesar 16,35%.
Total Liabilitas Keuangan Total Financial Liabilities
Liabilitas keuangan meningkat dari Rp25,73 triliun pada tahun Financial liabilities increased from Rp25.73 trillion in 2023 to
2023 menjadi Rp27,03 triliun di tahun 2024 atau tumbuh 5,06%. Rp27.03 trillion in 2024 or grew by 5.06%. This growth was mainly
Pertumbuhan ini terutama disebabkan oleh peningkatan efek-efek due to an increase in securities issued by 69.88% and deposit from
yang diterbitkan sebesar 69,88% dan simpanan nasabah yang customers which increased by 4.03%.
meningkat sebesar 4,03%.
Total Liabilitas Non-Keuangan Total Non-Financial Liabilities
Liabilitas non-keuangan pada tahun 2024 tercatat sebesar Non-financial liabilities in 2024 were recorded at Rp80.46 billion,
Rp80,46 miliar, tumbuh 16,35% dibandingkan dengan tahun 2023 grew by 16.35% compared to Rp69.15 billion in 2023. This increase
yang sebesar Rp69,15 miliar. Kenaikan ini terutama disebabkan oleh was mainly due to an increase in employee benefit obligation
bertambahnya liabilitas imbalan kerja karyawan sebesar 35,56%. of 35.56%.
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Ekuitas
Equity
(dalam juta Rupiah, kecuali dinyatakan lain / in million Rupiah, unless stated otherwise)
Kenaikan (Penurunan)
Uraian 2024 2023 Increase (Decrease) Description
(Rp) (%)
Ekuitas yang dapat Diatribusikan kepada Pemilik Entitas Induk
Equity Attributable to Equity Holders of the Parent Entity
Modal Ditempatkan dan
1,584,853 1,584,824 30 0.00 Issued and Fully Paid Capital
Disetor Penuh
Tambahan Modal Disetor 668,371 668,685 (314) (0.05) Additional Paid-In Capital
Unrealised Loss on Changes
Kerugian yang Belum Direalisasi
in Fair Value of Marketable
Atas Perubahan Nilai Wajar
Securities Measured
Efek-Efek yang Diukur pada (25,504) (16,832) 8,672 51.52
at Fair Value through
Nilai Wajar Melalui Penghasilan
Other Comprehensive
Komprehensif Lain, Setelah Pajak
Income, Net of Tax
Surplus Revaluasi Aset Tetap, Gain on Revaluation of
316,445 382,456 (66,011) (17.26)
Setelah Pajak Fixed Assets, Net of Tax
Pengukuran Kembali atas
Remeasurements on Employee
Liabilitas Imbalan Kerja, 11,058 19,467 (8,409) (43.20)
Benefit Liabilities, Net of Tax
Setelah Pajak
Saldo Laba: Retained Earnings:
Telah Ditentukan
227,200 202,200 25,000 12.36 Appropriated
Penggunaannya
Belum Ditentukan
1,151,036 983,986 167,050 16.98 Unappropriated
Penggunaannya
Total Ekuitas 3,933,459 3,824,785 108,675 2.84 Total Equity
Total Ekuitas Total Equity
Pada tahun 2024, Bank Victoria mencatatkan total ekuitas sebesar In 2024, Bank Victoria recorded total equity of Rp3.93 trillion,
Rp3,93 triliun, meningkat 2,84% dibandingkan dengan tahun 2023 an increase of 2.84% compared to that of 2023 of Rp3.82 trillion.
yang sebesar Rp3,82 triliun. Peningkatan ini terutama berasal This increase was mainly due to an increase in unappropriated
dari kenaikan saldo laba belum ditentukan penggunaannya yang retained earnings which grew by 16.98% from Rp983.99 billion to
tumbuh sebesar 16,98% dari Rp983,99 miliar menjadi Rp1,15 triliun Rp1.15 trillion in 2024, as well as appropriated retained earnings
di tahun 2024, serta saldo laba yang telah ditentukan which increased by 12.36%.
penggunaannya yang meningkat sebesar 12,36%.
Laporan Laba Rugi dan Penghasilan Komprehensif Lain
Statements of Profit or Loss and Other Comprehensive Income
(dalam juta Rupiah, kecuali dinyatakan lain / in million Rupiah, unless stated otherwise)
Kenaikan (Penurunan)
Uraian 2024 2023 Increase (Decrease) Description
(Rp) (%)
Pendapatan Bunga 2,076,268 1,836,391 239,877 13.06 Interest Income
Beban Bunga (1,527,667) (1,257,662) 270,005 21.47 Interest Expenses
Pendapatan Bunga Bersih 548,601 578,729 (30,128) (5.21) Interest Income - Net
Pendapatan Operasional
365,736 253,365 112,371 44.35 Other Operating Income
Lainnya
Beban Operasional Lainnya (621,366) (658,023) (36,657) (5.57) Other Operating Expenses
Laba Operasional 292,970 174,071 118,899 68.30 Profit from Operations
Beban Non-Operasional
(144,310) (44,535) 99,775 224.04 Non-Operating Expenses - Net
Bersih
Laba Sebelum Beban Earnings Before Income
148,660 129,536 19,124 14.76
Pajak Penghasilan Tax Expense
Beban Pajak Penghasilan Bersih (30,801) (27,720) 3,081 11.11 Income Tax Expenses - Net
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Analisis dan Pembahasan Manajemen
Management Discussion and Analysis
Kenaikan (Penurunan)
Uraian 2024 2023 Increase (Decrease) Description
(Rp) (%)
Laba Bersih Tahun Berjalan 117,859 101,816 16,043 15.76 Net Profit for the Year
Penghasilan (Rugi)
Other Comprehensive Income
Komprehensif Lain, (83,091) 24,405 (107,497) (440.47)
(Loss), Net of Income Tax
Setelah Pajak Penghasilan
Jumlah Penghasilan
34,768 126,222 (91,454) (72.45) Total Comprehensive Income
Komprehensif
Laba Bersih per Saham Income per Share
Dasar (Rupiah penuh) 7.44 6.42 1.02 15.89 Basic (full Rupiah)
Dilusian (Rupiah penuh) 7.44 6.42 1.02 15.89 Diluted (full Rupiah)
Pendapatan Bunga Interest Income
Pada tahun 2024, Bank Victoria membukukan pendapatan bunga In 2024, Bank Victoria recorded interest income of Rp2.08 trillion,
sebesar Rp2,08 triliun, meningkat sebesar 13,06% dibandingkan an increase of 13.06% compared to Rp1.84 trillion in 2023.
tahun 2023 yang tercatat sebesar Rp1,84 triliun. Peningkatan ini This increase mainly came from interest income on loans which
terutama berasal dari pendapatan bunga atas pinjaman yang increased by 12.63% and interest income from marketable securities
diberikan yang meningkat sebesar 12,63% dan pendapatan bunga which grew by 15.29%.
dari efek-efek yang tumbuh sebesar 15,29%.
Beban Bunga Interest Expense
Beban bunga Bank Victoria per 31 Desember 2024 tercatat sebesar Bank Victoria’s interest expense as of 31 December 2024 was
Rp1,53 triliun, meningkat 21,47% dibandingkan tahun sebelumnya recorded at Rp1.53 trillion, an increase of 21.47% compared to that of
sebesar Rp1,26 triliun. Peningkatan ini terutama disebabkan oleh the previous year of Rp1.26 trillion. This increase was mainly due to
kenaikan beban bunga simpanan dana pihak ketiga, khususnya dari an increase in interest expenses on third party deposits, particularly
produk deposito yang tumbuh sebesar 16,70%. from deposit products which grew by 16.70%.
Pendapatan Bunga – Bersih Interest Income – Net
Pendapatan bunga – bersih pada tahun 2024 tercatat sebesar Net interest income in 2024 was recorded at Rp548.60 billion,
Rp548,60 miliar, menurun 5,21% dibandingkan tahun 2023 a decrease of 5.21% compared to Rp578.73 billion in 2023. This
yang sebesar Rp578,73 miliar. Penurunan ini dipengaruhi oleh decrease was influenced by a significant increase in interest
peningkatan beban bunga yang cukup signifikan sebesar 21,47%. expense of 21.47%.
Pendapatan Operasional Lainnya Other Operating Income
Pada akhir tahun 2024, Bank membukukan pendapatan operasional At the end of 2024, the Bank recorded other operating income of
lainnya sebesar Rp365,74 miliar, meningkat 44,35% dibandingkan Rp365.74 billion, an increase of 44.35% compared to that of the
dengan tahun sebelumnya yang tercatat sebesar Rp253,37 miliar. previous year of Rp253.37 billion. This increase mainly came from
Peningkatan ini terutama berasal dari pos pendapatan lain-lain - other net income which grew by 60.69% and from mutual fund
bersih yang tumbuh sebesar 60,69% serta dari pendapatan investasi investment income which increased by 63.62%.
reksadana yang meningkat sebesar 63,62%.
Beban Operasional Lainnya Other Operating Expenses
Pada tahun 2024, Bank mencatatkan beban operasional lainnya In 2024, the Bank recorded other operating expenses of
sebesar Rp621,37 miliar, menurun 5,57% dari tahun sebelumnya Rp621.37 billion, decreased 5.57% from that of the previous year
sebesar Rp658,02 miliar. Penurunan ini terutama berasal dari of Rp658.02 billion. This decrease mainly due to the provision for
penyisihan kerugian penurunan nilai aset keuangan yang menurun impairment losses on financial assets which decreased by 16.69%.
sebesar 16,69%.
Laba Operasional Profit from Operations
Laba operasional Bank pada tahun 2024 tercatat sebesar The Bank’s profit from operations in 2024 was recorded at
Rp292,97 miliar, meningkat 68,30% dibandingkan tahun 2023 Rp292.97 billion, an increase of 68.30% compared to Rp174.07
sebesar Rp174,07 miliar. Peningkatan ini ditopang oleh kenaikan billion in 2023. This increase was supported by an increase in
pendapatan operasional lainnya sebesar 44,35% serta efisiensi other operating income of 44.35% and efficiency in other operating
beban operasional lainnya. expenses.
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Beban Non-Operasional – Bersih Non-Operating Expenses - Net
Pada tahun 2024, beban non operasional – bersih meningkat In 2024, the non-operating expenses - net increased significantly
signifikan sebesar 224,04%, dari Rp44,54 miliar pada tahun 2023 by 224.04%, from Rp44.54 billion in 2023 to Rp144.31 billion.
menjadi Rp144,31 miliar. Peningkatan ini terutama disebabkan oleh This increase was mainly due to an increase in loss on sales of AYDA
kenaikan rugi penjualan AYDA yang mencapai 165,30%. which reached 165.30%.
Laba Sebelum Beban Pajak Penghasilan Profit Before Income Tax Expense
Laba sebelum beban pajak penghasilan pada tahun 2024 tercatat Profit before income tax expense in 2024 was recorded at
sebesar Rp148,66 miliar, meningkat 14,76% dibandingkan tahun Rp148.66 billion, an increase of 14.76% compared to Rp129.54 billion
sebelumnya sebesar Rp129,54 miliar. Kenaikan ini selaras dengan in the previous year of. This increase was in line with the increase in
peningkatan laba operasional Bank sepanjang tahun 2024. the Bank’s operating profit throughout 2024.
Beban Pajak Penghasilan – Bersih Income Tax Expense – Net
Pada tahun 2024, beban pajak penghasilan – bersih Bank Victoria In 2024, Bank Victoria’s net income tax expense was recorded at
tercatat sebesar Rp30,80 miliar, meningkat 11,11% dibandingkan Rp30.80 billion, an increase of 11.11% compared to Rp27.72 billion in
tahun 2023 yang sebesar Rp27,72 miliar. Peningkatan ini berasal dari 2023. This increase came from an increase in deferred tax expense.
kenaikan beban pajak tangguhan.
Laba Bersih Tahun Berjalan Profit for the Year
Laba tahun berjalan pada 2024 mencapai Rp117,86 miliar, meningkat Profit for the year in 2024 reached Rp117.86 billion, an increase
15,76% dibandingkan tahun sebelumnya sebesar Rp101,82 miliar. of 15.76% compared to Rp101.82 billion in the previous year.
Kenaikan laba ini sejalan dengan pertumbuhan laba sebelum pajak This increase in profit was in line with the growth in profit before tax
sepanjang tahun 2024. throughout 2024.
Penghasilan (Rugi) Komprehensif Lain, Setelah Pajak Other Comprehensive Income (Loss), Net of Income Tax
Penghasilan
Per 31 Desember 2024, Bank mencatat rugi komprehensif lain As of 31 December 2024, the Bank recorded other comprehensive
setelah pajak penghasilan sebesar Rp83,09 miliar, berbalik dari loss after income tax of Rp83.09 billion, reversing from
penghasilan komprehensif sebesar Rp24,41 miliar pada tahun 2023. comprehensive income of Rp24.41 billion in 2023. This significant
Perubahan signifikan ini terutama disebabkan oleh munculnya rugi change was mainly due to the loss from revaluation surplus of fixed
dari surplus revaluasi aset tetap – bersih sebesar Rp66,01 miliar dan assets - net of Rp66.01 billion and a decrease in the remeasurements
penurunan nilai pengukuran kembali atas liabilitas imbalan kerja. on employee benefit liabilities.
Jumlah Penghasilan Komprehensif Total Comprehensive Income
Sebagai hasilnya, jumlah penghasilan komprehensif Bank pada tahun As a result, the Bank’s total comprehensive income in 2024 was
2024 tercatat sebesar Rp34,77 miliar, menurun 72,45% dibandingkan recorded at Rp34.77 billion, decreased by 72.45% compared to
dengan tahun sebelumnya yang sebesar Rp126,22 miliar. Rp126.22 billion in the previous year.
Laporan Arus Kas
Statements of Cash Flows
(dalam juta Rupiah, kecuali dinyatakan lain / in million Rupiah, unless stated otherwise)
Kenaikan (Penurunan)
Uraian 2024 2023 Increase (Decrease) Description
(Rp) (%)
Arus Kas Bersih (Digunakan untuk)/ Cash Flow (Used in)/Provided
(942,316) 1,279,308 (2,221,625) (173.66)
Diperoleh dari Aktivitas Operasi from Operating Activities
Arus Kas Bersih Digunakan Net Cash Flow used
(1,193,957) (1,413,275) (219,318) (15.52)
untuk Aktivitas Investasi in Investing Activities
Arus Kas Bersih Diperoleh Net Cash Flow provided
937,081 287,343 649,738 226.12
dari Aktivitas Pendanaan from Financing Activities
Kenaikan Bersih Kas Net Increase on Cash
(1,199,193) 153,376 (1,352,569) (881.86)
dan Setara Kas and Cash Equivalents
Kas dan Setara Kas Cash and Cash Equivalents
2,798,564 2,645,188 153,376 5.80
pada Awal Tahun at Beginning of the Year
Kas dan Setara Kas Cash and Cash Equivalents
1,599,372 2,798,564 (1,199,193) (42.85)
pada Akhir Tahun at End of the Year
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Analisis dan Pembahasan Manajemen
Management Discussion and Analysis
Arus Kas Bersih (Digunakan untuk)/Diperoleh dari Aktivitas Operasi Cash Flow (Used in)/Provided from Operating Activities
Pada akhir tahun 2024, Bank mencatatkan arus kas bersih yang At the end of 2024, the Bank recorded net cash flow used for
digunakan untuk aktivitas operasi sebesar Rp942,32 miliar. Angka operating activities of Rp942.32 billion. This figure shows a reversal
ini menunjukkan pembalikan dari tahun sebelumnya, di mana Bank from the previous year, in which the Bank still recorded net cash flow
masih mencatat arus kas bersih yang diperoleh dari aktivitas operasi obtained from operating activities of Rp1.28 trillion. This change was
sebesar Rp1,28 triliun. Perubahan tersebut terutama dipengaruhi mainly influenced by a significant decrease in customer deposits
oleh penurunan signifikan dalam simpanan nasabah sebesar 70,47%. of 70.47%.
Arus Kas Bersih Digunakan untuk Aktivitas Investasi Net Cash Flow used in Investing Activities
Pada tahun 2024, arus kas bersih yang digunakan untuk aktivitas In 2024, net cash flow used for investing activities was recorded
investasi tercatat sebesar Rp1,19 triliun, menurun 15,52% at Rp1.19 trillion, decreased by 15.52% compared to the previous
dibandingkan tahun sebelumnya yang sebesar Rp1,41 triliun. year of Rp1.41 trillion. This decrease was mainly due to a decrease
Penurunan ini utamanya disebabkan oleh menurunnya aktivitas in activities of purchase of marketable securities which were lower
pembelian efek-efek yang lebih rendah dibanding tahun lalu, serta than last year, as well as a decrease in proceeds from sale of fixed
berkurangnya hasil penjualan aset tetap. assets.
Arus Kas Bersih Diperoleh dari Aktivitas Pendanaan Net Cash Flow provided from Financing Activities
Sepanjang tahun 2024, arus kas bersih yang diperoleh dari Throughout 2024, net cash flow provided from financing activities
aktivitas pendanaan mencapai Rp937,08 miliar, meningkat 226,12% reached Rp937.08 billion, an increase of 226.12% compared to
dibandingkan tahun sebelumnya yang sebesar Rp287,34 miliar. Rp287.34 billion in the previous year. This increase mainly came from
Kenaikan ini terutama berasal dari aktivitas penerbitan obligasi yang bonds issuance activities which doubled from Rp500 billion in 2023
meningkat dua kali lipat dari Rp500 miliar pada tahun 2023 menjadi to Rp1 trillion in 2024.
Rp1 triliun pada tahun 2024.
Rasio Keuangan Penting
Significant Financial Ratios
Uraian 2024 2023 Description
Rasio Kinerja
Performance Ratio
Kewajiban Penyediaan Modal Minimum (KPMM) Capital Adequacy Ratio (CAR) for Credit,
21.53 19.95
untuk Risiko Kredit, Operasional, dan Pasar Operational, and Market Risks
Aset Produktif Bermasalah dan Non-Performing Earning Assets and
Aset Non-Produktif Bermasalah Terhadap 3.04 3.91 Non-Performing Non-Earning Assets to Total
Total Aset Produktif dan Non-Produktif Earning Assets and Non-Earning Assets
Aset Produktif Bermasalah Non-Performing Earning Assets
2.35 2.79
Terhadap Total Aset Produktif to Total Earning Assets
Cadangan Kerugian Penurunan Nilai (CKPN) Allowance for Impairment Losses (CKPN) of
1.57 2.19
Aset Keuangan Terhadap Aset Produktif Financial Assets to Earning Assets
NPL Bruto 3.27 3.99 Gross NPL
NPL Neto 2.36 3.24 Net NPL
Return on Asset (ROA) 0.51 0.48 Return on Asset (ROA)
Return on Equity (ROE) 3.41 3.12 Return on Equity (ROE)
Net Interest Margin (NIM) 2.22 2.58 Net Interest Margin (NIM)
Beban Operasional Terhadap Operating Expenses to
88.00 91.67
Pendapatan Operasional (BOPO) Operating Income (BOPO)
Cost to Income Ratio (CIR) 55.35 46.15 Cost to Income Ratio (CIR)
Loan to Deposit Ratio (LDR) 88.12 83.06 Loan to Deposit Ratio (LDR)
LR secara Individual 11.04 10.34 Individual LR
Rasio Pinjaman terhadap Pendanaan (LFR) 86.27 81.93 Loan to Funding Ratio (LFR)
Rasio Dana Murah (CASA) 26.58 23.93 Low-Cost Funds Ratio (CASA)
Rasio Kepatuhan
Compliance Ratios
Persentase Pelanggaran BMPK Percentage of LLL Violation
Pihak Terkait 0.00 0.00 Related Parties
Pihak Tidak Terkait 0.00 0.00 Non-Related Parties
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Uraian 2024 2023 Description
Persentase Pelampauan BMPK Percentage of LLL Excess
Pihak Terkait 0.00 0.00 Related Parties
Pihak Tidak Terkait 0.00 0.00 Non-Related Parties
Giro Wajib Minimum (GWM) Minimum Statutory Reserve (GWM)
Bank Umum Konvensional of Commercial Bank - Conventional
Rupiah Rupiah
GWM Wajib Minimum *
6.67 7.32 Minimum Statutory GMW*
Penyangga Likuiditas Makroprudensial** 21.78 23.73 Macroprudential Liquidity Buffer**
GWM Rasio Intermediasi Makroprudensial ***
4.76 (1.01) GMW Macroprudential Intermediation Ratio***
Valuta Asing 4.05 4.05 Foreign Currencies
Posisi Devisa Neto (PDN) secara Keseluruhan 0.21 0.39 Overall Net Open Position (PDN)
* Sebelumnya Giro Wajib Minimum Primer / Previously Primary Minimum Statutory Reserves.
** Sebelumnya Giro Wajib Minimum Sekunder / Previously Secondary Minimum Statutory Reserves.
*** Sebelumnya Giro Wajib Minimum LFR / Previously Loan to Funding Ratio Minimum Statutory Reserve.
Kemampuan Membayar Utang dan Solvency and Receivables Collectability
Kolektibilitas Piutang
Bank mengukur kemampuannya dalam memenuhi seluruh The Bank measures its ability to meet all obligations, both short-term
kewajiban, baik jangka pendek maupun jangka panjang, dengan and long term, by using liquidity ratio, solvency ratio, foreign
menggunakan rasio likuiditas, rasio solvabilitas, posisi devisa, dan exchange position, and profitability ratio. The Bank always monitors
rasio rentabilitas. Bank senantiasa memantau rasio-rasio tersebut these ratios as parameters in measuring its ability to provide
sebagai parameter untuk mengukur kemampuannya dalam adequate liquidity reserves. In 2024, Bank Victoria’s financial ratio
menyediakan cadangan likuiditas yang memadai. Pada tahun 2024, performance is outlined as follows:
kinerja rasio keuangan Bank Viictoria diuraikan sebagai berikut:
1. Rasio Likuiditas 1. Liquidity Ratio
Kemampuan Bank Victoria dalam membayar utang jangka Bank Victoria’s ability to pay short-term debt is analyzed
pendek dianalisis melalui perhitungan rasio likuiditas, yaitu rasio through the calculation of liquidity ratio, namely loan to deposit
pinjaman terhadap dana pihak ketiga (loan to deposit ratio/LDR). ratio loan to deposit ratio (LDR). Bank Victoria’s LDR in 2024
LDR Bank Victoria pada tahun 2024 sebesar 88,12%, meningkat was 88.12%, an increase compared to 2023 which was recorded
dibandingkan tahun 2023 yang tercatat sebesar 83,06%. Perolehan at 83.06%. This achievement reflects Bank Victoria’s liquidity
tersebut mencerminkan kondisi likuiditas Bank Victoria yang conditions which are in an optimal and healthy position, and
berada pada posisi optimal dan sehat, serta tetap berada dalam remain within the limits set by Bank Indonesia.
batas ketentuan yang ditetapkan oleh Bank Indonesia.
2. Rasio Solvabilitas 2. Solvency Ratio
Rasio solvabilitas diukur melalui rasio KPMM untuk memastikan Solvency ratio is measured through CAR ratio to ensure that
terpenuhinya risiko kredit, operasional, dan pasar. Nilai rasio credit, operational, and market risks are fulfilled. The value of
KPMM Bank Victoria pada akhir tahun 2024 sebesar 21,53%, Bank Victoria’s CAR ratio at the end of 2024 was 21.53%, higher
lebih tinggi dibandingkan tahun 2023 yang tercatat sebesar than that in 2023 of 19.95%. Based on such matter, the Bank’s
19,95%. Berdasarkan hal tersebut, permodalan Bank masih capital is still in fairly good condition as the CAR ratio value is
berada dalam kondisi yang cukup baik karena nilai rasio KPPM still above the stipulated provisions.
masih berada di atas ketentuan yang ditetapkan.
3. Rasio Kepatuhan 3. Compliance Ratio
Pada akhir tahun 2024, rasio GWM primer Bank (konvensional) At the end of 2024, the Bank’s primary GWM ratio (conventional)
tercatat sebesar 6,67% untuk mata uang Rupiah dan 4,05% was recorded at 6.67% for Rupiah and 4.05% for foreign
untuk valuta asing. Sementara itu, rasio GWM RIM sebesar currency. Meanwhile, the GWM RIM ratio was 4.76% and the
4,76% dan rasio GWM PLM sebesar 21,78%. Seluruh rasio GWM PLM ratio was 21.78%. All of these ratios indicated that
tersebut menunjukkan bahwa Bank telah memenuhi ketentuan the Bank complied with the applicable provisions according to
yang berlaku sesuai peraturan Bank Indonesia per 31 Desember Bank Indonesia regulations as of 31 December 2024 and 2023.
2024 dan 2023.
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Analisis dan Pembahasan Manajemen
Management Discussion and Analysis
4. Rasio Rentabilitas 4. Profitability Ratio
Bank mengukur efektivitas dalam menghasilkan laba melalui The Bank measures its effectiveness in generating profits
beberapa rasio rentabilitas, seperti Return on Asset (ROA), through several profitability ratios, such as Return on Assets
Return on Equity (ROE), Net Interest Margin (NIM), dan rasio (ROA), Return on Equity (ROE), Net Interest Margin (NIM),
Beban Operasional terhadap Pendapatan Operasional (BOPO). and the ratio of Operating Expenses to Operating Income
Pada tahun 2024, pencapaian masing-masing rasio tersebut (BOPO). In 2024, the achievement of each of these ratios was
adalah ROA sebesar 0,51%, ROE sebesar 3,41%, NIM sebesar ROA of 0.51%, ROE of 3.41%, NIM of 2.22%, and BOPO of 88.00%.
2,22%, dan BOPO sebesar 88,00%. Sementara itu, pada tahun Meanwhile, in 2023, ROA, ROE, NIM, and BOPO ratios were
2023, rasio ROA, ROE, NIM, dan BOPO masing-masing tercatat recorded at 0.48%, 3.12%, 2.58%, and 91.67%, respectively.
sebesar 0,48%, 3,12%, 2,58%, dan 91,67%.
5. Kemampuan Membayar Utang dari Obligasi yang Diterbitkan 5. Ability to Pay Debt from Bonds Issued
Kemampuan Bank dalam memenuhi kewajiban atas utang The Bank’s ability to meet its debt obligations is also reflected
juga tercermin dari peringkat atas efek-efek yang diterbitkan, in the ratings of the securities issued, particularly bonds.
khususnya obligasi. Untuk menjaga kredibilitas dan mendukung To maintain credibility and support its investment feasibility,
kelayakan investasinya, obligasi yang diterbitkan oleh Bank bonds issued by Bank Victoria are regularly assessed by an
Victoria secara rutin dinilai oleh lembaga pemeringkat independent rating agency. The quality of such securities is
independen. Kualitas efek tersebut sangat bergantung pada highly dependent on the Bank’s ability to pay principal and
kemampuan Bank dalam membayar pokok dan kupon secara coupons on time during the issuance period. Currently, Bank
tepat waktu selama periode penerbitan. Saat ini, obligasi Bank Victoria bonds are listed on the Indonesia Stock Exchange.
Victoria telah dicatatkan di Bursa Efek Indonesia.
6. Kolektibilitas Piutang 6. Receivables Collectability
Kolektibilitas Bank diukur melalui rasio NPL, yang dijaga agar The Bank’s collectability is measured by NPL ratio, which is
tetap berada di bawah batas maksimum yang ditetapkan maintained below the maximum limit set by Bank Indonesia,
oleh Bank Indonesia, yaitu 5,00%. Pada akhir tahun 2024, which is 5.00%. At the end of 2024, Bank Victoria recorded a
Bank Victoria mencatatkan NPL bruto sebesar 3,27% dan NPL gross NPL of 3.27% and a net NPL of 2.36%. These figures show
neto sebesar 2,36%. Angka tersebut menunjukkan perbaikan an improvement compared to 2023, which were recorded
jika dibandingkan dengan tahun 2023 yang masing-masing at 3.99% and 3.24%, respectively. Based on Bank Indonesia
tercatat sebesar 3,99% dan 3,24%. Berdasarkan peraturan Bank regulations, loans managed by the Bank are classified based on
Indonesia, pinjaman yang dikelola oleh Bank diklasifikasikan their collectability into several categories.
berdasarkan kolektibilitasnya dalam beberapa kategori.
2024 2023
Uraian Description
Pokok Cadangan Pokok Cadangan
Principal Allowance Principal Allowance
Lancar 19,197,769 146,102 16,853,533 (188,688) Current
Dalam Perhatian Khusus 688,874 112,644 1,031,747 (246,323) Special Mention
Kurang Lancar 62,186 22,339 92,773 (44,668) Substandard
Diragukan 5,103 1,387 17,420 (4,529) Doubtful
Macet 605,929 164,494 633,270 (90,665) Loss
Total 20,559,860 (446,966) 18,628,743 (574,872) Total
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Kontribusi kepada Negara Contribution to the State
Sebagai bentuk tanggung jawab dan kontribusi terhadap negara, As a form of responsibility and contribution to the country,
Bank Victoria secara konsisten memenuhi kewajibannya sebagai Bank Victoria consistently fulfills its obligations as a taxpayer.
wajib pajak. Informasi mengenai pembayaran pajak yang dilakukan Information regarding tax payments made by the Bank throughout
oleh Bank selama 2 (dua) tahun terakhir disajikan dalam tabel berikut: the last 2 (two) years is presented in the following table:
(dalam juta Rupiah / in million Rupiah)
Uraian 2024 2023 Description
PPh Pasal 4 ayat 2 258,455 217,418 Income Tax Article 4 (2)
PPh Pasal 21 19,164 19,377 Income Tax Article 21
PPh Pasal 23 1,078 765 Income Tax Article 23
PPh Pasal 25 - - Income Tax Article 25
PPh Pasal 26 293 250 Income Tax Article 26
PPN 4,233 7,189 VAT
Amnesti Pajak - - Tax Amnesty
Total 283,223 244,999 Total
Struktur Modal dan Kebijakan Struktur Modal Capital Structure and Capital Structure Policy
Kebijakan Manajemen Atas Struktur Modal Management Policy on Capital Structure
dan Dasar Pemilihannya and Basis of Selection
Bank Victoria memiliki kebijakan pengelolaan modal untuk memastikan Bank Victoria has a capital management policy to ensure
tersedianya modal yang kuat guna mendukung strategi ekspansi the availability of strong capital to support current business
usaha saat ini dan mempertahankan keberlanjutan pengembangan expansion strategy and maintain sustainable development in
di masa mendatang. Selain itu, kebijakan permodalan juga ditujukan the future. In addition, the capital policy is also aimed at meeting
untuk memenuhi ketentuan kecukupan modal yang ditetapkan oleh the capital adequacy requirements set by the regulator and
regulator serta menjaga agar struktur permodalan Bank tetap efisien. maintaining the Bank’s capital structure to remain efficient.
Bank secara berkala menyusun rencana permodalan berdasarkan The Bank periodically prepares a capital plan based on a review
penelaahan atas kebutuhan kecukupan modal yang dipersyaratkan, of the required capital adequacy requirements, combined with an
dikombinasikan dengan evaluasi terhadap perkembangan kondisi evaluation of current economic developments. The plan is prepared
ekonomi terkini. Rencana tersebut disusun oleh Direksi sebagai by the Board of Directors as part of the Bank’s Business Plan and
bagian dari Rencana Bisnis Bank dan disetujui oleh Dewan approved by the Board of Commissioners. Throughout the reporting
Komisaris. Sepanjang periode pelaporan, Bank telah mematuhi period, the Bank has complied with all capital requirements set by
seluruh ketentuan modal yang ditetapkan oleh regulator, khususnya the regulator, particularly regarding the calculation of the Capital
terkait perhitungan Kewajiban Penyediaan Modal Minimum (KPMM) Adequate Ratio (CAR) and Risk Weighted Assets (RWA).
dan Aktiva Tertimbang Menurut Risiko (ATMR).
Rincian Struktur Modal Details of Capital Structure
Perhitungan kecukupan modal Bank dilakukan sesuai ketentuan The Bank’s capital adequacy is calculated in accordance with
Bank Indonesia yang berlaku, dengan klasifikasi modal ke dalam dua the applicable Bank Indonesia regulations, with capital classification
kelompok, yaitu Modal Tier I dan Modal Tier II. Kewajiban penyediaan into two groups, namely Tier I Capital and Tier II Capital. The capital
modal mempertimbangkan eksposur terhadap risiko kredit, risiko adequacy ratio considers exposure to credit risk, operational risk,
operasional, dan risiko pasar. Rincian struktur modal Bank Victoria and market risk. Details of Bank Victoria’s capital structure as of
per 31 Desember 2023 dan 2024 disajikan dalam tabel berikut: 31 December 2023 and 2024 are presented in the following table:
(dalam juta Rupiah, kecuali dinyatakan lain / in million Rupiah, unless stated otherwise)
Uraian 2024 2023 Description
Modal Inti (Tier I) 3,584,008 3,287,238 Core Capital (Tier I)
Modal Pelengkap (Tier II) 833,933 532,853 Supplementary Capital (Tier II)
Total Modal 4,417,941 3,820,092 Total Capital
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Analisis dan Pembahasan Manajemen
Management Discussion and Analysis
Uraian 2024 2023 Description
ATMR untuk Risiko Kredit 18,182,056 16,999,049 RWA for Credit Risk
ATMR untuk Risiko Operasional 1,555,658 1,466,732 RWA for Operational Risk
ATMR untuk Risiko Pasar 785,592 685,119 RWA for Market Risk
Rasio KPMM untuk Risiko Kredit CAR Ratio with Credit
22.38 20.69
dan Risiko Operasional (%) and Operational Ratio (%)
Rasio KPMM untuk Risiko Kredit, CAR Ratio with Credit, Operational,
21.53 19.95
Risiko Operasional, dan Risiko Pasar (%) and Market Ratio (%)
Rasio KPMM yang Diwajibkan (%) 9.00 8.00 CAR Ratio Required (%)
Ikatan Material Terkait Investasi Material Commitments Related to
Barang Modal Capital Goods Investment
Sepanjang tahun 2024, Bank Victoria tidak memiliki ikatan material Throughout 2024, Bank Victoria did not have any material
dengan pihak mana pun yang berkaitan dengan investasi dalam commitments with any party related to capital goods investment.
barang modal.
Realisasi Investasi Barang Modal Realization of Capital Goods Investment
Realisasi investasi barang modal yang dilakukan Bank Victoria The realization of capital goods investment carried out by
meliputi berbagai jenis aset tetap, seperti bangunan, kendaraan Bank Victoria includes various types of fixed assets, such as
bermotor, mesin dan peralatan, perlengkapan kantor, serta aset buildings, vehicles, machinery and equipment, office furniture,
tetap dalam proses pembangunan. Investasi ini ditujukan untuk and fixed assets under construction. This investment is aimed at
mendukung kelancaran kegiatan operasional, meningkatkan supporting the smooth running of operational activities, improving
kualitas layanan kepada nasabah, serta memperkuat infrastruktur service quality to customers, and strengthening infrastructure and
dan sarana pendukung guna menunjang pertumbuhan usaha support facilities to support the Bank’s sustainable business growth.
Bank secara berkelanjutan. Rincian investasi barang modal yang Details of capital goods investment carried out by Bank Victoria
dilakukan Bank Victoria selama 2 (dua) tahun terakhir diuraikan throughout the past 2 (two) years are outlined as follows:
sebagai berikut:
(dalam juta Rupiah / in million Rupiah)
Uraian 2024 2023 Description
Bangunan 2,673 1,613 Buildings
Kendaraan Bermotor 2,885 2,099 Vehicles
Mesin-Mesin dan Peralatan 13,870 12,080 Machinery and Equipment
Perlengkapan dan Perabotan Kantor 373 399 Office Furniture and Equipment
Aset Tetap dalam Proses Pembangunan - 5 Assets under Constructions
Total 19,802 16,196 Total
Derivatif dan Fasilitas Lindung Nilai Derivative and Hedging Facilities
Pada akhir tahun 2023 dan 2024, Bank Victoria tidak memiliki At the end of 2023 and 2024, Bank Victoria did not have any
aktivitas atau transaksi keuangan yang berkaitan dengan instrumen financial activities or transactions related to derivative instruments
derivatif maupun fasilitas lindung nilai. Oleh karena itu, tidak or hedging facilities. Therefore, there is no information related to
terdapat informasi terkait hal tersebut yang dapat disajikan dalam this matter that can be presented in this Annual Report.
Laporan Tahunan ini.
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Dampak Perubahan Tingkat Suku Bunga Impact of Changes of Interest Rates to
Terhadap Kinerja Bank Tahun 2024 Bank Performance in 2024
Perubahan tingkat suku bunga sepanjang tahun 2024 memberikan Interest rate changes throughout 2024 had an impact on banking
pengaruh terhadap kinerja industri perbankan, termasuk industry’s performance, including Bank Victoria. Adjustments
Bank Victoria. Penyesuaian suku bunga acuan Bank Indonesia to Bank Indonesia’s benchmark interest rate have an impact on
berdampak pada tingkat suku bunga kredit yang ditetapkan oleh the credit interest rates set by banks. Throughout 2024,
perbankan. Sepanjang tahun 2024, Bank Indonesia beberapa kali Bank Indonesia made several adjustments to its benchmark interest
melakukan penyesuaian suku bunga acuan atau BI 7-Day Reverse rate or BI 7-Day Reverse Repo Rate (BI7DRR), which increased
Repo Rate (BI7DRR), yang meningkat dari 6,00% menjadi 6,25% pada from 6.00% to 6.25% in April 2024, then decreased again to 6.00%
April 2024, kemudian turun kembali menjadi 6,00% pada September in September 2024. Until the end of the year, precisely on 17-18
2024. Hingga akhir tahun, tepatnya pada 17–18 Desember 2024, December 2024, the benchmark interest rate remained at 6.00%.
suku bunga acuan tetap dipertahankan di level 6,00%. Keputusan This decision reflects Bank Indonesia’s efforts to maintain inflation
ini mencerminkan upaya Bank Indonesia dalam menjaga stabilitas stability in line with the target and support sustainable national
inflasi sesuai sasaran serta mendukung pertumbuhan ekonomi economic growth.
nasional secara berkelanjutan.
Perbandingan Target dan Realisasi Comparison of Target and Realization
Tahun 2024 in 2024
Dalam rangka mengevaluasi efektivitas pencapaian tujuan To evaluate the effectiveness of achieving strategic objectives,
strategis, Bank Victoria menetapkan sejumlah indikator target yang Bank Victoria sets a number of target indicators covering financial,
mencakup aspek keuangan, operasional, serta rasio-rasio keuangan operational, and important financial ratios. The target is set in
penting. Target tersebut ditetapkan dalam Rencana Bisnis Bank the Bank’s Business Plan as a reference for measuring performance
sebagai acuan untuk mengukur kinerja sepanjang tahun berjalan. throughout the current year. Throughout 2024, the Bank monitored
Sepanjang tahun 2024, Bank telah melakukan pemantauan dan and adjusted the strategies implementation in order to achieve
penyesuaian terhadap pelaksanaan strategi guna mencapai target the targets set. The comparison between target and the realization
yang telah ditetapkan. Perbandingan antara target dan realisasi throughout the 2024 fiscal year is further presented in the following
selama tahun buku 2024 disajikan lebih lanjut dalam tabel berikut: table:
(dalam miliar Rupiah, kecuali dinyatakan lain / in billion Rupiah, unless stated otherwise)
Target Rencana Bisnis
Bank 2024 Pencapaian
Realisasi 2024
Uraian Achievement Description
Target of Bank Realization in 2024
(%)
Business Plan 2024
Kinerja Keuangan
Financial Performance
Total Aset 30,000 31,046 103.49 Total Assets
Total Liabilitas 26,081 27,113 103.96 Total Liabilities
Total Ekuitas 3,919 3,933 100.36 Total Equity
Pendapatan Bunga – Bersih 533 549 102.90 Interest Income - Net
Pendapatan (Beban) Operasional Operating Income (Expenses)
(349) (256) 73.35
selain Bunga – Bersih other than Interest – Net
Laba Operasional 184 293 159.24 Profit from Operations
Laba Bersih Tahun Berjalan 106 118 111.54 Profit for the Year
Rasio Keuangan (dalam %)
Financial Ratios (in %)
KPMM dengan Memperhitungkan CAR by Calculating Credit and
23.44 22.38 95.48
Risiko Kredit dan Operasional Operational Risks
KPMM dengan Memperhitungkan
CAR by Calculating Credit,
Risiko Kredit, Operasional, dan 22.09 21.53 97.46
Operational, and Market Risks
Pasar
Net Interest Margin (NIM) 2.11 2.22 104.74 Net Interest Margin (NIM)
Loan to Deposit Ratio (LDR) 86.99 88.12 101.30 Loan to Deposit Ratio (LDR)
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Analisis dan Pembahasan Manajemen
Management Discussion and Analysis
Target Rencana Bisnis
Bank 2024 Pencapaian
Realisasi 2024
Uraian Achievement Description
Target of Bank Realization in 2024
(%)
Business Plan 2024
Return on Asset (ROA) 0.46 0.51 110.87 Return on Asset (ROA)
Return on Equity (ROE) 3.11 3.41 109.65 Return on Equity (ROE)
NPL Bruto 3.48 3.27 93.97 Gross NPL
Beban Operasional Terhadap Operating Expenses to
91.96 88.00 95.69
Pendapatan Operasional (BOPO) Operating Income (BOPO)
Kinerja Operasional
Operational Performance
Produk Simpanan Deposits Products
Tabungan 3,001 3,287 109.53 Savings Deposits
Giro 3,449 2,915 84.52 Demand Deposits
Deposito Berjangka 15,795 16,702 105.74 Time Deposits
Negotiable Certificate Negotiable Certificate
789 429 54.37
Deposits Deposits
Total Produk Simpanan 23,034 23,332 101.29 Total Deposits Products
Produk Pinjaman Loan Products
Pinjaman Tetap 10,432 10,086 96.68 Fixed Loans
Pinjaman Konsumen 177 167 94.35 Consumer Loans
Pinjaman Rekening Koran 2,013 2,122 105.41 Overdraft Loans
Pinjaman Tetap dengan
7,382 8,110 109.86 Fixed Loans with Installments
Angsuran
Pinjaman Serba Guna 33 74 224.24 Multi Purpose Loans
Total Produk Pinjaman 20,037 20,560 102.61 Total Loan Products
Proyeksi Tahun 2025 Projections for 2025
Penetapan proyeksi kinerja Bank untuk tahun 2025 menjadi bagian Determining the Bank’s performance projection for 2025 is an
penting dalam mendukung arah kebijakan strategis, manajemen important part of supporting the direction of strategic policies,
risiko, serta pengambilan keputusan yang lebih terarah. Proyeksi risk management, and addressing more focused decision-making.
ini tidak hanya menjadi pedoman bagi manajemen, tetapi juga This projection is not only a guideline for management, but also a
menjadi acuan bagi regulator dan para pemangku kepentingan reference for regulators and stakeholders in assessing the Bank’s
dalam menilai prospek pertumbuhan dan kesiapan Bank dalam growth prospects and readiness to face future economic dynamics.
menghadapi dinamika ekonomi ke depan. Bank Victoria telah Bank Victoria has prepared a number of performance targets to
menyusun sejumlah target kinerja untuk dicapai pada tahun 2025, be achieved in 2025, which are further explained in the following
yang dijabarkan secara lebih lanjut dalam penjelasan berikut: explanation:
(dalam miliar Rupiah, kecuali dinyatakan lain / in billion Rupiah, unless stated otherwise)
Proyeksi Rencana Bisnis Bank 2025
Uraian Description
Bank Business Plan Projection 2025
Ringkasan Neraca
Summary of Balance Sheet
Total Aset 33,356 Total Assets
Efek-Efek 8,113 Marketable Securities
Kredit yang Diberikan 21,540 Loans
Agunan yang Diambil Alih 100 Foreclosed Assets
Komponen Aset Lainnya 3,603 Other Components of Assets
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Proyeksi Rencana Bisnis Bank 2025
Uraian Description
Bank Business Plan Projection 2025
Total Liabilitas 29,258 Total Liabilities
Total Dana Pihak Ketiga 25,041 Total Third-Party Funds
Giro 3,531 Demand Deposits
Tabungan 3,982 Savings Deposits
Deposito 17,529 Time Deposits
Efek-Efek yang Diterbitkan 3,443 Securities Issued
Komponen Liabilitas Lainnya 774 Other Components of Liability
Total Ekuitas 4,097 Total Equity
Modal Disetor dan Tambahan Modal Disetor 2,253 Paid-In Capital and Additional Paid-In Capital
Akumulasi Laba/(Rugi) 1,216 Accumulated Profit/(Loss)
Komponen Ekuitas Lainnya 629 Other Equity Components
Ringkasan Laba/(Rugi)
Summary of Profit/(Loss)
Pendapatan dan Beban Bunga – Bersih 633 Interest Income and Expenses – Net
Pendapatan/(Beban) Operasional Operating Income/(Expenses)
(379)
Selain Bunga –Bersih Other than Interest – Net
Laba/(Rugi) Operasional 254 Profit/(Loss) from Operations
Pendapatan/(Beban) Non-Operasional – Bersih (62) Non-Operating Income/(Expenses) - Net
Laba/(Rugi) Sebelum Beban Pajak Penghasilan 193 Profit/(Loss) before Income Tax Expense
Beban Pajak Penghasilan – Bersih (42) Income Tax Expense – Net
Laba/(Rugi) Setelah Beban Pajak Penghasilan 151 Profit/(Loss) Net of Income Tax Expense
Kebijakan Dividen
Dividend Policy
Dividen yang Dibagikan N/A Distributed Dividends
Struktur Modal
Capital Structure
KPMM untuk Risiko Kredit, Risiko Operasional, CAR for Credit Risk, Operational Risk,
23.62
dan Risiko Pasar (%) and Market Risk (%)
Total Kantor
Total Offices
Kantor Cabang 14 Branches
Kantor Cabang Pembantu 22 Sub-Branches
Jaringan Kantor Lain (Kantor Kas, Other Office Network (Cash Office,
2
Payment Point, dan Lainnya) Payment Point, and Others)
Asumsi dalam Menyusun Proyeksi Assumptions in Preparing Projections
Dalam menyusun proyeksi keuangan untuk tahun 2025, Bank In preparing financial projections for 2025, Bank Victoria pays
Victoria memperhatikan keseimbangan antara kapasitas internal attention to the balance between the Bank’s internal capacity and
Bank dan berbagai faktor eksternal yang relevan. Proyeksi ini disusun various relevant external factors. This projection is prepared by
dengan mempertimbangkan kondisi ekonomi terkini dan dinamika considering current economic conditions and dynamics expected
yang diperkirakan akan terjadi di masa mendatang, termasuk to occur in the future, including the influence of global economic
pengaruh dari perkembangan ekonomi global serta kebijakan fiskal developments and national fiscal and monetary policies. The macro
dan moneter nasional. Asumsi makro dan mikro yang digunakan and micro assumptions used refer to indicators in the 2025 State
mengacu pada indikator dalam Anggaran Pendapatan dan Budget (APBN) and information from Bank Indonesia’s official press
Belanja Negara (APBN) 2025 serta informasi dari siaran pers resmi releases. All of these considerations are the basis for preparing the
Bank Indonesia. Seluruh pertimbangan tersebut menjadi dasar Bank’s Business Plan for the period 2025–2027.
dalam penyusunan Rencana Bisnis Bank untuk periode 2025–2027.
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Management Discussion and Analysis
(dalam % / in %)
Proyeksi
Uraian Projections Description
2025 2026 2027
Asumsi Makro
Macro Assumptions
Pertumbuhan PDB 5.00-5.20 5.00-5.20 5.00-5.20 GDP Growth
Inflasi 2.50 2.80 3.00 Inflation
Kurs IDR/USD 16,000 16,500 16,800 Exchange Rate of IDR/USD
BI 7 Days Rate 5.75-6.00 5.75-6.00 5.75-6.00 BI 7 Days Rate
Asumsi Mikro
Micro Assumptions
Pertumbuhan Kredit 11-13 11-13 11-13 Loan Growth
Pertumbuhan Dana
9-10 9-10 9-10 Third-Party Funds Growth
Pihak Ketiga
Tingkat Bunga Simpanan Interest Rate on
3.00-8.00 3.00-7.75 3.00-7.75
Tabungan Savings Deposits
Tingkat Bunga Kredit Commercial Retail
10.50-13.50 10.50-13.50 10.50-13.50
Ritel Komersil Loan Interest Rates
Strategi Pengembangan Bisnis ke Depan Future Business Development Strategies
Sebagai upaya untuk memastikan Bank dapat mencapai kinerja To ensure that the Bank can achieve optimal, sustainable, and
yang optimal, berkelanjutan, dan responsif terhadap perubahan responsive performance to market changes and customer needs,
pasar serta kebutuhan nasabah, Bank Victoria telah merancang Bank Victoria has designed a business development strategy
strategi dan rencana pengembangan bisnis yang mengacu pada and plan that refers to the Bank’s policy direction. This strategy
arah kebijakan Bank. Strategi ini disusun sejalan dengan penetapan is prepared in line with the determination of the theme of
tema Rencana Bisnis Bank 2025 yaitu “Sustainable Growth Through the Bank’s 2025 Business Plan, namely “Sustainable Growth
Digitalization and Strong Governance” yang dijabarkan sebagai Through Digitalization and Strong Governance” which is described
berikut: as follows:
1. Menjaga dan memperkuat penerapan prinsip-prinsip GCG 1. Maintaining and strengthening the consistent application
secara konsisten yang selaras dengan prinsip manajemen risiko of GCG principles, which are in line with risk management
dan kepatuhan terhadap regulasi (compliance); principles and regulatory compliance;
2. Menjaga dan memelihara permodalan di level yang kuat dan 2. Maintaining and fostering capital at a strong and adequate
memadai sebagai landasan pengembangan dan pertumbuhan level as a basis for prudent and sustainable development and
skala bisnis Bank yang prudent dan berkelanjutan; growth of the Bank’s business scale;
3. Melanjutkan optimalisasi melalui evaluasi kinerja jaringan kantor 3. Continuing optimization through evaluating the performance of
cabang guna meningkatkan efisiensi dan produktivitas dalam branch office network to increase its efficiency and productivity
rangka mencapai pertumbuhan bisnis yang berkelanjutan; to achieve sustainable business growth;
4. Melanjutkan dan meningkatkan inovasi produk serta layanan 4. Continuing and improving product innovation and the best
terbaik yang berfokus pada kebutuhan nasabah (customer- services that focus on customer needs (customer-centric);
centric);
5. Melanjutkan pengembangan sistem teknologi informasi untuk 5. Continuing the development of information technology systems
mendukung efisiensi, inovasi, dan pengembangan produk, serta to support efficiency, innovation and product development, as
peningkatan kualitas layanan; well as service quality improvements;
6. Mengembangkan kualitas serta meningkatkan produktivitas 6. Developing quality and increasing the productivity of human
sumber daya manusia dan pelayanan nasabah dalam resources and customer service in facing business challenges;
menghadapi tantangan bisnis; dan and
7. Meningkatkan nilai perusahaan bagi Pemegang Saham dan 7. Increasing Company value for Shareholders and stakeholders.
pemangku kepentingan.
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Informasi Material Setelah Tanggal Material Information Subsequent to
Laporan Akuntan the Accountant’s Reporting Date
Pada tanggal 15 Januari 2025, Bank Victoria bersama dengan Pemegang On 15 January 2025, Bank Victoria together with the Bank’s Main
Saham Utama dan Pengendali Bank yaitu PT Victoria Investama Tbk and Controlling Shareholder, namely PT Victoria Investama Tbk,
melakukan penandatanganan Perjanjian Jual Beli Saham Bersyarat signed a Conditional Share Sale and Purchase Agreement (PJBSB)
(PJBSB) dengan PT Bank Tabungan Negara (Persero) Tbk sehubungan with PT Bank Tabungan Negara (Persero) Tbk in connection
dengan rencana pengambilalihan yang akan dilakukan oleh with the takeover plan to be carried out by PT Bank Tabungan
PT Bank Tabungan Negara (Persero) Tbk atas Entitas Asosiasi yaitu Negara (Persero) Tbk of the Associated Entity, namely PT Bank
PT Bank Victoria Syariah, di mana PT Bank Tabungan Negara (Persero) Victoria Syariah, in which PT Bank Tabungan Negara (Persero) Tbk
Tbk akan melakukan pembelian saham yang dimiliki oleh Bank Victoria will purchase shares owned by Bank Victoria and PT Victoria
dan PT Victoria Investama Tbk sesuai dengan persyaratan dan ketentuan Investama Tbk in accordance with the terms and conditions in
dalam PJBSB tersebut. Sampai dengan tanggal laporan akuntan, proses PJBSB. As of the date of the accountant’s report, the takeover
pengambilalihan PT Bank Victoria Syariah masih dalam proses. process of PT Bank Victoria Syariah was still in process.
Kebijakan Dividen Dividend Policy
Bank Victoria menetapkan kebijakan pembagian dividen Bank Victoria determines a dividend distribution policy based
berdasarkan ketentuan yang tercantum dalam Anggaran Dasar on the provisions set out in the Bank’s Articles of Association,in
Bank, di mana dividen hanya dapat dibagikan apabila Bank which dividends can only be distributed if the Bank has a positive
memiliki saldo laba yang positif. Pembagian dividen tersebut profit balance. The distribution of dividends must obtain the
harus memperoleh persetujuan RUPS serta tetap mengacu pada GMS approval and still refers to the provisions of applicable laws
ketentuan perundang-undangan yang berlaku. Penetapan dividen and regulations. The determination of dividends also considers
juga mempertimbangkan kondisi keuangan, tingkat kesehatan Bank, the financial condition, sound rating of the Bank, and all relevant
dan seluruh regulasi yang relevan di sektor perbankan. regulations in banking sector.
Sepanjang tahun 2024 dan 2023, Bank Victoria tidak melakukan Throughout 2024 and 2023, Bank Victoria did not distribute any
pembagian dividen tunai kepada para Pemegang Saham. cash dividends to Shareholders.
Realisasi Penggunaan Dana Hasil Penawaran Realization of the Use of Public Offering
Umum Proceeds
Informasi mengenai realisasi penggunaan dana hasil penawaran Information regarding the realization of the use of public offering
umum yang dilakukan oleh Bank Victoria sepanjang tahun 2024 proceeds conducted by Bank Victoria throughout 2024 is
disampaikan sebagai bentuk transparansi kepada Pemegang Saham submitted as a form of transparency to Shareholders and
dan pemangku kepentingan. Rincian penggunaan dana tersebut stakeholders. Details of the use of such funds are disclosed in the
diungkapkan dalam penjabaran berikut: following description:
Nilai Realisasi Hasil Penawaran Umum Rencana Penggunaan Dana Realisasi Penggunaan Dana Sisa Dana
Realized Value of Public Offering Proceeds Plan to Use Proceeds Realized Use of Proceeds Hasil
Jenis Penawaran
Tanggal Modal Kerja Modal Kerja
Penawaran Umum
Efektif Jumlah Hasil Biaya dalam Rangka dalam Rangka
Umum Remaining
Effective Penawaran Umum Penawaran Pengembangan Pengembangan
Type of Public Umum Hasil Bersih Usaha Usaha Amount
Date Amount of Total Total
Offering Net Proceeds of Public
Public Offering Public Working Capital Working Capital
Offering
Proceeds Offering Fee in Business in Business
Proceeds
Development Development
Penawaran Umum
Berkelanjutan
Obligasi
Berkelanjutan
III Bank Victoria 28 Juni
Tahap II Tahun 2024
500.000.000.000 6.445.355.661 493.554.644.339 493.554.644.339 493.554.644.339 493.554.644.339 493.554.644.339 0
2024 28 June
2024
Public Offering
of Bank Victoria
Continuing Bonds
III Phase II 2024
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Analisis dan Pembahasan Manajemen
Management Discussion and Analysis
Nilai Realisasi Hasil Penawaran Umum Rencana Penggunaan Dana Realisasi Penggunaan Dana Sisa Dana
Realized Value of Public Offering Proceeds Plan to Use Proceeds Realized Use of Proceeds Hasil
Jenis Penawaran
Tanggal Modal Kerja Modal Kerja
Penawaran Umum
Efektif Jumlah Hasil Biaya dalam Rangka dalam Rangka
Umum Remaining
Effective Penawaran Umum Penawaran Pengembangan Pengembangan
Type of Public Umum Hasil Bersih Usaha Usaha Amount
Date Amount of Total Total
Offering Net Proceeds of Public
Public Offering Public Working Capital Working Capital
Offering
Proceeds Offering Fee in Business in Business
Proceeds
Development Development
Penawaran Umum
Berkelanjutan
Obligasi
Subordinasi
Berkelanjutan
III Bank Victoria 28 Juni
Tahap I Tahun 2024
2024 500.000.000.000 8.212.208.382 491.787.791.618 491.787.791.618 491.787.791.618 491.787.791.618 491.787.791.618 0
28 June
Public Offering 2024
of Bank Victoria
Continuous
Subordinated
Bonds III Phase
I 2024
Pelaksanaan
Waran Seri VII 5 Desember
2022
Execution 584.400 - 584.400 584.400 584.400 584.400 584.400 0
5 December
of Series VII 2022
Warrants
Total 14.657.564.043 985.343.020.357 985.343.020.357 985.343.020.357 985.343.020.357 985.343.020.357 0
Informasi Material Investasi, Ekspansi, Material Information on Investment,
Divestasi, Penggabungan/Peleburan Usaha, Expansion, Divestment, Business
Akuisisi, dan Restrukturisasi Utang/Modal Merger/Consolidation, Acquisition,
and Debt/Capital Restructuring
Investasi Investments
Pada periode 2024, Bank Victoria melakukan investasi dalam In the 2024 period, Bank Victoria invested in securities with
efek-efek dengan uraian sebagai berikut: the following descriptions:
(dalam juta Rupiah / in million Rupiah)
Uraian 2024 2023 Description
Nilai Wajar melalui Laba Rugi
Fair Value through Profit or Loss
Obligasi Pemerintah 146,629 - Government Bonds
Reksadana - 790,570 Mutual Funds
Wesel Jangka Menengah - 221,960 Medium-Term Notes
Subtotal 146,629 1,012,530 Subtotal
Nilai Wajar melalui Penghasilan Komprehensif Lain
Fair Value through Other Comprehensive Income
Surat Utang Negara 1,117,504 757,213 Government Promissory Notes
Reksadana 836,818 306,932 Mutual Funds
Surat Berharga Negara 287,857 308,245 Government Sharia Bonds
Obligasi Korporasi 204,964 12,082 Corporate Bonds
Wesel Jangka Menengah 203,190 - Medium-Term Notes
Efek Beragun Aset 1,002 8,508 Asset-Backed Security
Surat Berharga Syariah Korporasi - 20,283 Corporate Sharia Bonds
Subtotal 2,651,335 1,413,264 Subtotal
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Uraian 2024 2023 Description
Biaya Perolehan Diamortisasi
Amortised Cost
Surat Utang Negara 3,239,743 3,547,973 Government Promissory Notes
Sekuritas Rupiah Bank Indonesia (SRBI) 760,505 9,389 Bank Indonesia Rupiah Securities (SRBI)
Obligasi Korporasi 571,465 196,439 Corporate Bonds
Reksadana 75,952 73,000 Mutual Funds
Surat Berharga Syariah Korporasi 16,972 16,956 Corporate Sharia Bonds
Surat Berharga Syariah Negara 1,388 1,013 Government Sharia Bonds
Wesel Jangka Menengah - 15,000 Medium-Term Notes
Subtotal 4,666,025 3,859,770 Subtotal
Total 7,463,989 6,285,564 Total
Dikurangi Less
Cadangan Kerugian Penurunan Nilai (1,266) (8,272) Allowance for Impairment Losses
Total 7,462,723 6,277,292 Total
Restrukturisasi Utang dan/atau Restrukturisasi Modal Debt Restructuring and/or Capital Restructuring
Restrukturisasi utang yang dilakukan Bank Victoria pada tahun The debt restructuring carried out by Bank Victoria in 2024 is
2024 diuraikan sebagai berikut: outlined as follows:
(dalam juta Rupiah / in million Rupiah)
Uraian 2024 2023 Description
Penjadwalan Kembali Angsuran dan Rescheduling of Installments and
2,206,450 2,868,304
Perpanjangan Jangka Waktu Pinjaman the Extention of Credit Period
Dikurangi: Cadangan Kerugian Penurunan Nilai (342,681) (447,527) Less: Allowance for Impairment Losses
Total 1,863,769 2,420,777 Total
Ekspansi, Divestasi, Penggabungan/Peleburan Usaha, Expansion, Divestment, Businesses Merger/Consolidation,
dan Akuisisi and Acquisition
Selain melakukan kegiatan investasi dan restrukturisasi utang, In addition to carrying out investment and debt restructuring
Bank Victoria tidak melakukan kegiatan lain seperti ekspansi, activities, Bank Victoria did not carry out other activities such
divestasi, penggabungan/peleburan usaha, maupun akuisisi pada as expansion, divestment, merger/consolidation of businesses,
periode 2024. or acquisitions in the 2024 period.
Informasi Transaksi Material yang Information on Material Transactions
Mengandung Benturan Kepentingan with Conflict of Interest
Sepanjang tahun 2024, Bank Victoria tidak melakukan transaksi yang In 2024, Bank Victoria carried out transactions with affiliated parties
bersifat material dan mengandung unsur benturan kepentingan. which ere part of the Bank’s business activities.
Informasi Transaksi dengan Pihak Afiliasi Information of Transaction with
Affiliated Parties
Pada tahun 2024, Bank Victoria melakukan transaksi dengan pihak In 2024, Bank Victoria made transactions with affiliated parties,
afiliasi yang merupakan bagian dari kegiatan usaha Bank. Transaksi which were part of the Bank’s business activities. The transaction
tersebut dilakukan dalam rangka menghasilkan pendapatan usaha is conducted to generate business income and is carried out
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Analisis dan Pembahasan Manajemen
Management Discussion and Analysis
dan dijalankan secara rutin, berulang, dan/atau berkelanjutan. periodically, repeatedly, and/or continuously. The details of
Rincian dari transaksi afiliasi tersebut diuraikan sebagai berikut: the affiliate transaction are outlined as follows:
Alasan Dilakukannya
Sifat Hubungan Afiliasi Objek Transaksi Nilai Transaksi
Tanggal Nama Pihak Transaksi
Nature of Affiliation Objects of Transaction Value
Date Name of Parties Reasons for Conducting
Relationship Transaction (Rp)
Transactions
2 Februari • Bank Victoria; • PT Victoria Insurance Tbk Perlindungan asuransi Melakukan kerja sama dengan 163,838,803
2024 dan / and dimiliki sahamnya oleh cash in safe. PT Victoria Insurance Tbk
• PT Victoria PT Victoria Investama Tbk untuk polis asuransi cash
Insurance Tbk. sebesar 72,95%; dan in safe (CIS) atas 38 lokasi
• PT Victoria Investama Tbk kantor cabang berupa Cash,
merupakan Pemegang Saham Bank Notes, dan Currency
Pengendali Bank Victoria yang Notes.
memiliki saham sebesar 44,23%.
2 February • PT Victoria Investama Tbk owns Cash in safe insurance Cooperating with PT Victoria
2024 72.95% shares of PT Victoria protection. Insurance Tbk for cash in safe
Insurance Tbk; and (CIS) insurance policy for
• PT Victoria Investama Tbk is a 38 branch office locations in
Controlling Shareholder of Bank the form of Cash, Bank Notes,
Victoria with shares of 44.23%. and Currency Notes.
16 Februari • Bank Victoria; • PT Victoria Insurance Tbk Bank Victoria Kantor Meningkatkan sinergi dan 65,448,000
2024 dan / and dimiliki sahamnya oleh Cabang Surabaya cross selling antar Grup
• PT Victoria PT Victoria Investama Tbk Lantai 4. Victoria.
Insurance Tbk. sebesar 72,95%; dan
• PT Victoria Investama Tbk
merupakan Pemegang Saham
Pengendali Bank Victoria yang
memiliki saham sebesar 44,23%.
16 February • PT Victoria Investama Tbk owns Bank Victoria Increasing synergy and
2024 72.95% shares of PT Victoria Surabaya Branch cross selling within the
Insurance Tbk; and Office 4th Floor. Victoria Group.
• PT Victoria Investama Tbk is a
Controlling Shareholder of Bank
Victoria with shares of 44.23%.
4 Maret 2024 • Bank Victoria; • PT Victoria Insurance Tbk dimiliki Perlindungan asuransi Melakukan kerja sama dengan 88,503,091
dan / and sahamnya oleh PT Victoria gedung (building & PT Victoria Insurance Tbk
• PT Victoria Investama Tbk sebesar 72,95%; inventory). untuk polis asuransi property
Insurance Tbk. dan all risk atas 26 lokasi kantor
• PT Victoria Investama Tbk Bank Victoria dengan objek
merupakan Pemegang Saham pertanggungan berupa
Pengendali Bank Victoria yang kerusakan atau kerugian pada
memiliki saham sebesar 44,23%. harta benda akibat kebakaran,
bencana alam, kerusuhan
atau kerusakan lainnya.
4 March 2024 • PT Victoria Investama Tbk Building & inventory Cooperating with PT Victoria
owns 72.95% shares of insurance coverage. Insurance Tbk for property
PT Victoria Insurance Tbk; and all risk insurance policy for
• PT Victoria Investama Tbk is a 26 Bank Victoria office
Controlling Shareholder of locations with the object
Bank Victoria with shares of of insurance in the form of
44.23%. damage or loss to property
due to fire, natural disasters,
riots or other damage.
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Alasan Dilakukannya
Sifat Hubungan Afiliasi Objek Transaksi Nilai Transaksi
Tanggal Nama Pihak Transaksi
Nature of Affiliation Objects of Transaction Value
Date Name of Parties Reasons for Conducting
Relationship Transaction (Rp)
Transactions
2 September • Bank Victoria; • PT Victoria Insurance Tbk Perlindungan asuransi Melakukan kerja sama dengan 139,353,340
2024 dan / and dimiliki sahamnya oleh gedung (building & PT Victoria Insurance Tbk
• PT Victoria PT Victoria Investama Tbk inventory). untuk polis asuransi property
Insurance Tbk. sebesar 72,95%; dan all risk atas 33 lokasi kantor
• PT Victoria Investama Tbk Bank Victoria dengan objek
merupakan Pemegang Saham pertanggungan berupa
Pengendali Bank Victoria yang kerusakan atau kerugian pada
memiliki saham sebesar 44,23%. harta benda akibat kebakaran,
bencana alam, kerusuhan,
atau kerusakan lainnya.
2 September • PT Victoria Investama Tbk owns Building & inventory Cooperating with PT Victoria
2024 72.95% shares of PT Victoria insurance coverage. Insurance Tbk for property
Insurance Tbk; and all risk insurance policy for
• PT Victoria Investama Tbk is a 33 Bank Victoria office
Controlling Shareholder of locations with the object
Bank Victoria with shares of of insurance in the form of
44.23%. damage or loss to property
due to fire, natural disasters,
riots, or other damage.
2 September • Bank Victoria; • PT Victoria Insurance Tbk Perlindungan Cash in Melakukan kerja sama Di bayarkan
2024 dan / and dimiliki sahamnya oleh Transit (CIT). dengan PT Victoria Insurance berdasarkan
• PT Victoria PT Victoria Investama Tbk Tbk untuk polis asuransi transaksi uang
Insurance Tbk. sebesar 72,95%; dan Cash in Transit (CIT) all risk transit di seluruh
• PT Victoria Investama Tbk of physical loss of or damage kantor cabang,
merupakan Pemegang Saham from whatsoever cause dengan nilai
Pengendali Bank Victoria yang arising as original untuk maksimal pertahun
memiliki saham sebesar 44,23%. periode 1 September 2024- Rp211,220,000,-
1 September 2025. (Rp10,000,000,000
x 0,02% x 12 bulan x
22 hari x 80% x 50%)
2 September • PT Victoria Investama Tbk owns Cash in Transit (CIT) Cooperating with PT Victoria Paid based on
2024 72.95% shares of PT Victoria Protection. Insurance Tbk for Cash in transit money
Insurance Tbk; and Transit (CIT) insurance policy transactions at
• PT Victoria Investama Tbk is a of all-risk of physical loss of all branch offices,
Controlling Shareholder of Bank or damage from whatsoever with a maximum
Victoria with shares of 44.23%. cause arising as original for value per year of
the period of 1 September Rp211,220,000
2024-1 September 2025. (Rp10,000,000,000
x 0.02% x 12 months
x 22 days x 80%
x 50%)
2 Desember • Bank Victoria; • PT Victoria Insurance Tbk Perlindungan atas Melakukan kerja sama 90,981,958
2024 dan / and dimiliki sahamnya oleh 23 unit kendaraan dengan PT Victoria Insurance
• PT Victoria PT Victoria Investama Tbk (mobil dan motor). Tbk untuk polis asuransi
Insurance Tbk. sebesar 72,95%; dan kendaraan dengan objek
• PT Victoria Investama Tbk pertanggungan atas 23 unit
merupakan Pemegang Saham kendaraan (mobil dan motor)
Pengendali Bank Victoria yang milik Bank Victoria.
memiliki saham sebesar 44,23%.
2 December • PT Victoria Investama Tbk owns Protection for Cooperating with PT Victoria
2024 72.95% shares of PT Victoria 23 vehicles (cars and Insurance Tbk for a vehicle
Insurance Tbk; and motorcycles). insurance policy with
• PT Victoria Investama Tbk is a the insured object being
Controlling Shareholder of Bank 23 vehicles (cars and
Victoria with shares of 44.23%. motorbikes) owned
by Bank Victoria.
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Alasan Dilakukannya
Sifat Hubungan Afiliasi Objek Transaksi Nilai Transaksi
Tanggal Nama Pihak Transaksi
Nature of Affiliation Objects of Transaction Value
Date Name of Parties Reasons for Conducting
Relationship Transaction (Rp)
Transactions
23 Desember • Bank Victoria; • PT Asri Kencana Gemilang Gedung Graha BIP Meningkatkan sinergi dan 1,603,062,000
2024 dan / and dimiliki sahamnya oleh Lantai Dasar. cross selling antar Grup
• PT Asri PT Bhuwanatala Indah Victoria.
Kencana Permai Tbk sebesar 99,99%;
Gemilang. • PT Bhuwanatala Indah
Permai Tbk dimiliki sahamnya
oleh Safire Capital Ltd
sebesar 66,52%;
• Safire Capital Ltd dimiliki
sahamnya oleh Chemical Asia
Corporation Pte Ltd sebesar
100,00%; dan
• Chemical Asia Corporation
Pte Ltd dimiliki sahamnya oleh
Louise Li sebesar 63,11% dan
Louise Li merupakan anak dari
Suzanna Tanojo (Pemegang
Saham Pengendali).
23 December • PT Bhuwanatala Indah Permai Tbk Graha BIP Building Increasing synergy and cross
2024 owns 99.99% shares of Ground Floor. selling within the Victoria
PT Asri Kencana Gemilang; Group.
• Safire Capital Ltd owns 66.52%
shares of PT Bhuwanatala Indah
Permai Tbk;
• Chemical Asia Corporation Pte Ltd
owns 100.00% shares of Safire
Capital Ltd; and
• Louise Li owns 63.11% shares
of Chemical Asia Corporation
Pte Ltd, and Louise Li is the
subsidiary of Suzanna Tanojo
(Controlling Shareholder).
23 Desember • Bank Victoria; • PT Asri Kencana Gemilang Gedung Graha BIP Meningkatkan sinergi dan 2,769,228,000
2024 dan / and dimiliki sahamnya oleh Lantai Dasar. cross selling antar
• PT Asri PT Bhuwanatala Indah Grup Victoria.
Kencana Permai Tbk sebesar 99,99%;
Gemilang. • PT Bhuwanatala Indah
Permai Tbk dimiliki sahamnya
oleh Safire Capital Ltd
sebesar 66,52%;
• Safire Capital Ltd dimiliki
sahamnya oleh Chemical Asia
Corporation Pte Ltd sebesar
100,00%; dan
• Chemical Asia Corporation
Pte Ltd dimiliki sahamnya oleh
Louise Li sebesar 63,11% dan
Louise Li merupakan anak dari
Suzanna Tanojo (Pemegang
Saham Pengendali).
23 December • PT Bhuwanatala Indah Permai Tbk Graha BIP Building Increasing synergy and
2024 owns 99.99% shares of Ground Floor. cross selling within
PT Asri Kencana Gemilang; the Victoria Group.
• Safire Capital Ltd owns 66.52%
shares of PT Bhuwanatala Indah
Permai Tbk;
• Chemical Asia Corporation Pte Ltd
owns 100.00% shares of Safire
Capital Ltd; and
• Louise Li owns 63.11% shares
of Chemical Asia Corporation
Pte Ltd, and Louise Li is the
subsidiary of Suzanna Tanojo
(Controlling Shareholder).
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Alasan Dilakukannya
Sifat Hubungan Afiliasi Objek Transaksi Nilai Transaksi
Tanggal Nama Pihak Transaksi
Nature of Affiliation Objects of Transaction Value
Date Name of Parties Reasons for Conducting
Relationship Transaction (Rp)
Transactions
23 Desember • Bank Victoria; • PT Asri Kencana Gemilang Gedung Graha BIP Meningkatkan sinergi dan cross 827,172,000
2024 dan / and dimiliki sahamnya oleh Lantai 9. selling antar Grup Victoria.
• PT Asri PT Bhuwanatala Indah
Kencana Permai Tbk sebesar 99,99%;
Gemilang. • PT Bhuwanatala Indah Permai Tbk
dimiliki sahamnya oleh Safire
Capital Ltd sebesar 66,52%;
• Safire Capital Ltd dimiliki
sahamnya oleh Chemical Asia
Corporation Pte Ltd sebesar
100,00%; dan
• Chemical Asia Corporation
Pte Ltd dimiliki sahamnya oleh
Louise Li sebesar 63,11% dan
Louise Li merupakan anak dari
Suzanna Tanojo (Pemegang
Saham Pengendali).
23 December • PT Bhuwanatala Indah Graha BIP Building Increasing synergy and cross
2024 Permai Tbk owns 99.99% shares 9th Floor. selling within the Victoria
of PT Asri Kencana Gemilang; Group.
• Safire Capital Ltd owns 66.52%
shares of PT Bhuwanatala Indah
Permai Tbk;
• Chemical Asia Corporation Pte
Ltd owns 100.00% shares of
Safire Capital Ltd; and
• Louise Li owns 63.11% shares
of Chemical Asia Corporation
Pte Ltd, and Louise Li is the
subsidiary of Suzanna Tanojo
(Controlling Shareholder).
Transaksi dengan Afiliasi dan Kewajaran Transaksi Transactions with Affiliates and Fairness of
Transactions
Seluruh transaksi dengan pihak afiliasi pada tahun 2024 dilakukan All transactions with affiliated parties in 2024 were done in
secara wajar (Arm’s Length) dan sesuai dengan peraturan Arm’s Length and in accordance with laws and regulations. The
perundang-undangan. Transaksi dilakukan atas dasar alasan transactions are conducted based on the Bank’s needs and free of
kebutuhan Bank dan bebas dari konflik kepentingan. any conflict of interest.
Pemenuhan Peraturan dan Ketentuan Terkait Fulfillment of Related Regulations and Provisions
Bank telah memenuhi peraturan dan ketentuan terkait, yaitu The Bank has complied with related laws and regulation, that is
Peraturan Otoritas Jasa Keuangan No. 42/POJK/04/2020 tanggal Financial Services Authority Regulation No. 42/POJK/04/2020
1 Juli 2020 tentang Transaksi Afiliasi dan Transaksi Benturan dated 1 July 2020 on Transactions with Affiliation and Transactions
Kepentingan. with Conflict of Interest.
Pernyataan Dewan Komisaris, Direksi, Statement of Board of Commissioners,
dan Komite Audit Board of Directors, and Audit Committee
Direksi menyatakan bahwa transaksi dengan pihak afiliasi ini telah The Board of Directors states that transactions with affiliated
melalui prosedur yang memadai untuk memastikan bahwa transaksi parties were done with adequate procedures to ensure that the
dilaksanakan sesuai dengan praktik bisnis yang berlaku umum transactions were done in accordance with generally accepted
antara lain dilakukan dengan memenuhi prinsip transaksi yang business practices, among others, by complying with the arms-
wajar (arms length principle). Selain itu, peran Dewan Komisaris length principle. In addition, the role of the Board of Commissioners
dan Komite Audit dalam melakukan prosedur yang memadai untuk and the Audit Committee in performing adequate procedures
memastikan bahwa transaksi dilaksanakan sesuai dengan praktik to ensure that transactions were carried out in accordance with
bisnis yang berlaku umum antara lain dilakukan dengan memenuhi generally accepted business practices, among others, by complying
prinsip transaksi yang wajar (arms length principle). with the arms-length principle.
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Transaksi dengan Pihak Berelasi Transaction with Related Parties
Dalam kegiatan usaha normal, Bank Victoria melakukan transaksi In routine business activities, Bank Victoria makes transactions
dengan pihak berelasi berdasarkan syarat dan ketentuan yang with related parties based on terms and conditions agreed by both
disepakati oleh kedua belah pihak secara wajar, tanpa adanya parties fairly, without any special treatment or special relationship.
perlakuan khusus atau hubungan istimewa. Informasi lebih lanjut Further information regarding transactions with related parties can
mengenai transaksi dengan pihak-pihak berelasi dapat ditemukan be found in Note No. 39 on Information Regarding Related Parties
dalam Catatan No. 39 tentang Informasi Mengenai Pihak-Pihak on page 125 in the Financial Statements.
Berelasi pada halaman 125 dalam Laporan Keuangan.
Komitmen dan Kontinjensi Commitments and Contingencies
Pengungkapan atas komitmen dan kontinjensi yang dimiliki Disclosure of commitments and contingencies held by Bank Victoria
Bank Victoria per 31 Desember 2024 dan 2023 disajikan untuk as of 31 December 2024 and 2023 is presented to provide an
memberikan gambaran mengenai kewajiban potensial yang overview of potential liabilities that may arise in the future. Details
mungkin timbul di masa mendatang. Rincian informasi tersebut of this information can be seen in the following table:
dapat dilihat pada tabel berikut:
(dalam juta Rupiah / in million Rupiah)
Uraian 2024 2023 Description
Komitmen
Commitments
Liabilitas Komitmen Commitment Liabilities
Fasilitas Pinjaman yang Belum Digunakan Unused Loans Facilities
Pihak Berelasi (3,600) (17,037) Related Party
Pihak Ketiga (4,657,964) (5,280,610) Third Parties
Liabilitas Komitmen Bersih (4,661,564) (5,297,647) Commitment Liabilities - Net
Kontinjensi
Contingencies
Tagihan Kontinjensi Contingent Receivables
Pendapatan Bunga atas Pinjaman Interest Receivables on Non-Performing
263,555 311,524
Bermasalah - Pihak Ketiga Loans - Third Parties
Liabilitas Kontinjensi Contingent Liabilities
Garansi yang Diterbitkan – Pihak Berelasi (271) (271) Guarantees Issued – Related Parties
Garansi yang Diterbitkan – Pihak Ketiga (521,872) (982,532) Guarantees Issued – Third Parties
Letter of Credit (169,275) (60,564) Letter of Credit
Kontinjensi Bersih (427,863) (731,843) Contingencies - Net
Total Liabilitas Komitmen Total Commitment and
(5,089,427) (6,029,490)
dan Kontinjensi – Bersih Contingencies Liabilities – Net
Larangan, Batasan, dan/atau Hambatan Prohibitions, Restrictions, and/or
Signifikan untuk Melakukan Transfer Significant Barriers to Transfer Funds
Dana Antara Bank dan Entitas Lain between the Bank and Other Entities
dalam Satu Kelompok Usaha in One Business Group
Bank Victoria tidak memiliki larangan atau batasan dalam prosedur Bank Victoria has no restrictions or limitations in operational
operasional terkait transfer dana nasabah, baik untuk transaksi masuk procedures regarding customer’s fund transfer, either incoming
maupun keluar, antara Bank dan entitas lain dalam 1 (satu) kelompok or outgoing transactions, between the Bank and other entities in
usaha. Dalam hal penyaluran pinjaman kepada pihak ketiga maupun 1 (one) business group. In terms of lending to third parties or to
kepada entitas dalam kelompok usaha yang sama, Bank Victoria entities within the same business group, Bank Victoria always
senantiasa mengacu pada ketentuan Batas Maksimum Pemberian refers to the provisions of Legal Lending Limit (LLL) that have
Kredit (BMPK) yang telah disusun oleh Divisi Accounting dan dipantau been prepared by the Accounting Division and are continuously
secara berkesinambungan oleh Divisi Compliance, System Procedure monitored by the Compliance, System Procedure & Customer
& Customer Protection, serta Divisi Credit Risk Review. Protection Division, and Credit Risk Review Division.
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Perubahan Peraturan Perundang-Undangan Amendments to Laws and Regulations
yang Berpengaruh Signifikan Terhadap with Significant Impacts on the Bank’s
Kinerja Bank Performance
Sepanjang tahun berjalan, regulator telah menerbitkan sejumlah Throughout the year, regulators issued a number of laws and
peraturan perundang-undangan yang memberikan dampak regulations with significant impact on Bank Victoria’s operational
signifikan terhadap kinerja operasional dan kepatuhan Bank Victoria. performance and compliance. Adjustments to these regulations are
Penyesuaian terhadap peraturan tersebut menjadi bagian penting important part of ensuring business continuity and governance in
dalam memastikan kelangsungan usaha dan tata kelola yang sesuai accordance with the provisions. Further explanation of the changes
ketentuan. Penjelasan lebih lanjut mengenai perubahan peraturan to the regulations is presented in the following table:
yang dimaksud disajikan dalam tabel berikut:
Peraturan Dampak Terhadap Laporan Keuangan Penyesuaian yang Dilakukan
Regulation Impact on Financial Statements Adjustment Made
Peraturan Bank Indonesia No. 2 Tahun 2024 tentang Tidak berdampak signifikan terhadap Surat Keputusan Direksi No. 009A/SK-DIR/06/23 tanggal
Keamanan Sistem Informasi dan Ketahan Siber (KKS) Laporan Keuangan Bank 9 Juni 2023 tentang Kebijakan Ketahanan dan Keamanan
Siber
Bank Indonesia Regulation No. 2 of 2024 on Information Has no significant impact on the Bank’s Board of Directors’ Decision Letter No. 009A/SK-DIR/06/23
System Security and Cyber Resilience (KKS) Financial Statements dated 9 June 2023 on Cyber Resilience and Security Policy
Peraturan Bank Indonesia No. 6 Tahun 2024 tentang Tidak berdampak signifikan terhadap Sosialisasi Peraturan Bank Indonesia No. 6 Tahun 2024
Pasar Uang dan Pasar Valuta Asing Laporan Keuangan Bank tentang Pasar Uang dan Pasar Valuta Asing
Bank Indonesia Regulation No. 6 of 2024 on Money Has no significant impact on the Bank’s Dissemination of Bank Indonesia Regulation No. 6 of
Markets and Foreign Exchange Markets Financial Statements 2024 on Money Markets and Foreign Exchange Markets
Peraturan Anggota Dewan Gubernur No. 4 Tahun Tidak berdampak signifikan terhadap Sosialisasi Peraturan Anggota Dewan Gubernur No. 04
2024 tentang Perubahan Atas Peraturan Anggota Laporan Keuangan Bank Tahun 2024 tentang Perubahan Atas Peraturan Anggota
Dewan Gubernur No. 11 Tahun 2023 tentang Peraturan Dewan Gubernur No. 11 Tahun 2023 tentang Peraturan
Pelaksanaan Kebijakan Insentif Likuiditas Makroprudensial Pelaksanaan Kebijakan Insentif Likuiditas Makroprudensial
Regulation of Members of the Board of Governors Has no significant impact on the Bank’s Dissemination on the Regulation of the Members of the
No. 4 of 2024 on Amendments to Regulation of Financial Statements Board of Governors No. 04 of 2024 on Amendments
Members of the Board of Governors No. 11 of 2023 on to Regulation of Members of the Board of Governors
Implementation of Regulations for Macroprudential No. 11 of 2023 on Implementation of Regulations for
Liquidity Incentive Policy Macroprudential Liquidity Incentive Policy
Peraturan Anggota Dewan Gubernur No. 5 Tahun 2024 Tidak berdampak signifikan terhadap Surat Keputusan Direksi No. 006/SK-DIR/07/24 tanggal
tentang Perubahan Atas Peraturan Anggota Dewan Laporan Keuangan Bank 26 Juli 2024 tentang Standar Operasional Prosedur
Gubernur No. 21/12/PADG/2019 tentang Penyelenggaraan Sistem Kliring Nasional – Bank Indonesia Generasi II
Transfer Dana dan Kliring Berjadwal oleh Bank Indonesia (SKN-BI Gen II)
Regulation of the Members of the Board of Governors Has no significant impact on the Bank’s Board of Directors’ Decision Letter No. 006/SK-DIR/07/24
No. 5 of 2024 on Amendments to Regulation of Members Financial Statements dated 26 July 2024 on Standard Operating Procedures
of the Board of Governors No. 21/12/PADG/2019 on for the National Clearing System – Bank Indonesia
Administering Fund Transfer and Scheduled Clearing Generation II (SKN-BI Gen II)
by Bank Indonesia
Peraturan Anggota Dewan Gubernur No. 6 Tahun Tidak berdampak signifikan terhadap Sosialisasi Peraturan Anggota Dewan Gubernur
2024 tentang Perubahan Atas Peraturan Anggota Laporan Keuangan Bank No. 6 Tahun 2024 tentang Perubahan Atas Peraturan
Dewan Gubernur No. 4 Tahun 2023 tentang Devisa Anggota Dewan Gubernur No. 4 Tahun 2023 tentang
Hasil Ekspor dan Devisa Pembayaran Impor Devisa Hasil Ekspor dan Devisa Pembayaran Impor
Regulation of the Members of the Board of Governors Has no significant impact on the Bank’s Dissemination on the Regulation of the Members of the
No. 6 of 2024 on Amendments to Regulation of Financial Statements Board of Governors No. 6 of 2024 on Amendments to
Members of the Board of Governors No. 4 of 2023 on Regulation of Members of the Board of Governors No. 4
Foreign Exchange Proceeds from Exports and Foreign of 2023 on Foreign Exchange Proceeds from Exports and
Exchange Payments for Imports Foreign Exchange Payments for Imports
Peraturan Anggota Dewan Gubernur No. 8 Tahun 2024 Tidak berdampak signifikan terhadap Surat Keputusan Direksi No. 014/SK-DIR/08/24 tanggal
tentang Perubahan Keenam Atas Peraturan Anggota Laporan Keuangan Bank 30 Agustus 2024 tentang Kebijakan Bank Indonesia -
Dewan Gubernur No. 20/15/PADG/2018 tentang Real Time Gross Settlement (BI-RTGS)
Penyelenggaraan Setelmen Dana Seketika Melalui
Sistem Bank Indonesia–Real Time Gross Settlement
Regulation of the Members of the Board of Has no significant impact on the Bank’s Board of Directors’ Decision Letter No. 014/SK-DIR/08/24
Governors No. 8 of 2024 on Sixth Amendment to Financial Statements dated 30 August 2024 on Bank Indonesia Policy - Real
Regulation of Members of the Board of Governors Time Gross Settlement (BI-RTGS)
No. 20/15/PADG/2018 on the Implementation of
Real-Time Fund Settlement through Bank Indonesia
System–Real Time Gross Settlement
Peraturan Anggota Dewan Gubernur No. 11 Tahun Tidak berdampak signifikan terhadap Sosialisasi Peraturan Anggota Dewan Gubernur No. 11
2024 tentang Transaksi Pasar Valuta Asing Laporan Keuangan Bank Tahun 2024 tentang Transaksi Pasar Valuta Asing
Regulation of the Members of the Board of Governors Has no significant impact on the Bank’s Dissemination on the Regulation of the Members of the
No. 11 of 2024 on Foreign Exchange Market Transactions Financial Statements Board of Governors No. 11 of 2024 on Foreign Exchange
Market Transactions
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Analisis dan Pembahasan Manajemen
Management Discussion and Analysis
Peraturan Dampak Terhadap Laporan Keuangan Penyesuaian yang Dilakukan
Regulation Impact on Financial Statements Adjustment Made
Peraturan Anggota Dewan Gubernur No. 13 Tahun Tidak berdampak signifikan terhadap Sosialisasi Peraturan Anggota Dewan Gubernur No. 13
2024 tentang Transaksi Pasar Uang Laporan Keuangan Bank Tahun 2024 tentang Transaksi Pasar Uang
Regulation of the Members of the Board of Governors Has no significant impact on the Bank’s Dissemination on the Regulation of the Members of the
No. 13 of 2024 on Money Market Transactions Financial Statements Board of Governors No. 13 of 2024 on Money Market
Transactions
Peraturan Anggota Dewan Gubernur No. 20 Tahun Tidak berdampak signifikan terhadap Surat Keputusan Direksi No. 017/SK-DIR/10/24 tanggal
2023 tentang Tata Cara Pelaksanaan Perlindungan Laporan Keuangan Bank 28 Oktober 2024 tentang Kebijakan Perlindungan Konsumen
Konsumen Bank Indonesia
Regulation of Members of the Board of Governors Has no significant impact on the Bank’s Board of Directors’ Decision Letter No. 017/SK-DIR/10/24
No. 20 of 2023 on Procedures for the Implementation Financial Statements dated 28 October 2024 on Consumer Protection Policy
of Bank Indonesia Consumer Protection
Peraturan Otoritas Jasa Keuangan No. 21 Tahun 2023 Tidak berdampak signifikan terhadap Surat Keputusan Direksi No. 015/SK-DIR/01/24 tanggal
tentang Layanan Digital oleh Bank Umum Laporan Keuangan Bank 22 Januari 2024 tentang Kebijakan Layanan Digital
Financial Services Authority Regulation No. 21 of 2023 Has no significant impact on the Bank’s Board of Directors’ Decision Letter No. 015/SK-DIR/01/24
on Digital Services by Commercial Banks Financial Statements dated 22 January 2024 on Digital Service Policy
Peraturan Otoritas Jasa Keuangan No. 22 Tahun 2023 Tidak berdampak signifikan terhadap Surat Keputusan Direksi No. 017/SK-DIR/10/24 tanggal
tentang Perlindungan Konsumen dan Masyarakat Laporan Keuangan Bank 28 Oktober 2024 tentang Kebijakan Perlindungan
di Sektor Jasa Keuangan Konsumen
Financial Services Authority Regulation No. 22 of Has no significant impact on the Bank’s Board of Directors’ Decision Letter No. 017/SK-DIR/10/24
2023 on Consumer and Community Protection in Financial Statements dated 28 October 2024 on Consumer Protection Policy
the Financial Services Sector
Peraturan Otoritas Jasa Keuangan No. 5 Tahun Tidak berdampak signifikan terhadap Surat Keputusan Direksi No. 005/SK-DIR/11/24 tanggal
2024 tentang Penetapan Status Pengawasan dan Laporan Keuangan Bank 13 November 2024 tentang Laporan Recovery Plan
Penanganan Permasalahan Bank Umum
Financial Services Authority Regulation No. 5 of 2024 Has no significant impact on the Bank’s Board of Directors’ Decision Letter No. 005/SK-DIR/11/24
on Determination of Supervision Status and Handling Financial Statements dated 13 November 2024 on Recovery Plan Report
of Commercial Bank Problems
Peraturan Otoritas Jasa Keuangan No. 11 tahun 2024 Tidak berdampak signifikan terhadap Surat Keputusan Direksi No. 010/SK-DIR/02/24 tanggal
tentang Perubahan Kedua Atas Peraturan Otoritas Laporan Keuangan Bank 29 Februari 2024 tentang Kebijakan Sistem Layanan
Jasa Keuangan No. 18/POJK.03/2017 tentang Informasi Keuangan (SLIK)
Pelaporan dan Permintaan Informasi Debitur Melalui
Sistem Layanan Informasi Keuangan
Financial Services Authority Regulation No. 11 of 2024 Has no significant impact on the Bank’s Board of Directors’ Decision Letter No. 010/SK-DIR/02/24
on Second Amendment to Financial Services Authority Financial Statements dated 29 February 2024 on Financial Information Service
Regulation No. 18/POJK.03/2017 on Reporting and System (SLIK) Policy
Request for Debtor Information through Financial
Information Service System
Peraturan Otoritas Jasa Keuangan No. 12 Tahun 2024 Tidak berdampak signifikan terhadap Surat Keputusan Direksi No. 007/SK-DIR/10/24 tanggal
tentang Penerapan Strategi Anti-Fraud Bagi Lembaga Laporan Keuangan Bank 16 Oktober 2024 tentang Kebijakan Penerapan Strategi
Jasa Keuangan Anti-Fraud
Financial Services Authority Regulation No. 12 of 2024 on Has no significant impact on the Bank’s Board of Directors’ Decision Letter No. 007/SK-DIR/10/24
Implementation of Anti-Fraud Strategies for Financial Financial Statements dated 16 October 2024 on Policy for Implementing
Services Institutions Anti-Fraud Strategies
Peraturan Otoritas Jasa Keuangan No. 13 Tahun 2024 Tidak berdampak signifikan terhadap Surat Keputusan Direksi No. 010/SK-DIR/09/24 tanggal
tentang Transparansi dan Publikasi Suku Bunga Dasar Laporan Keuangan Bank 26 September 2024 tentang Pedoman Publikasi dan
Kredit Bagi Bank Umum Konvensional Pelaparon Suku Bunga Dasar Kredit (SBDK)
Financial Services Authority Regulation No. 13 of 2024 Has no significant impact on the Bank’s Board of Directors’ Decision Letter No. 010/SK-DIR/09/24
on Transparency and Publication of Prime Lending Financial Statements dated 26 September 2024 on Guidelines for Publication
Rates for Conventional Commercial Banks and Reporting of Prime Lending Rate (SBDK)
Peraturan Otoritas Jasa Keuangan No. 15 Tahun 2024 Tidak berdampak signifikan terhadap Sosialisasi Peraturan Otoritas Jasa Keuangan No. 15
tentang Integritas Pelaporan Keuangan Bank Laporan Keuangan Bank Tahun 2024 tentang Integritas Pelaporan Keuangan Bank
Financial Services Authority Regulation No. 15 of 2024 Has no significant impact on the Bank’s Dissemination of Financial Services Authority Regulation
on Integrity of Financial Reporting of the Bank Financial Statements No. 15 of 2024 on Integrity of Financial Reporting of the Bank
Peraturan Otoritas Jasa Keuangan No. 18 Tahun 2024 Tidak berdampak signifikan terhadap Sosialisasi Peraturan Otoritas Jasa Keuangan No. 18
tentang Penyedia Likuiditas Laporan Keuangan Bank Tahun 2024 tentang Penyedia Likuiditas
Financial Services Authority Regulation No. 18 of 2024 Has no significant impact on the Bank’s Dissemination of Financial Services Authority Regulation
on Liquidity Providers Financial Statements No. 18 of 2024 on Liquidity Providers
Peraturan Otoritas Jasa Keuangan No. 19 Tahun Tidak berdampak signifikan terhadap Sosialisasi Peraturan Otoritas Jasa Keuangan No. 19
2024 tentang Perubahan Atas Peraturan Otoritas Laporan Keuangan Bank Tahun 2024 tentang Perubahan Atas Peraturan Otoritas
Jasa Keuangan Nomor 42/POJK.03/2015 tentang Jasa Keuangan No. 42/POJK.03/2015 tentang Kewajiban
Kewajiban Pemenuhan Rasio Kecukupan Likuiditas Pemenuhan Rasio Kecukupan Likuiditas (Liquidity
(Liquidity Coverage Ratio) Bagi Bank Umum Coverage Ratio) Bagi Bank Umum
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Peraturan Dampak Terhadap Laporan Keuangan Penyesuaian yang Dilakukan
Regulation Impact on Financial Statements Adjustment Made
Financial Services Authority Regulation No. 19 of Has no significant impact on the Bank’s Dissemination of Financial Services Authority Regulation
2024 on Amendments to Financial Services Authority Financial Statements No. 19 of 2024 on Amendment to Financial Services
Regulation No. 42/POJK.03/2015 on the Obligation of Authority Regulation No. 42/POJK.03/2015 on the
Fulfillment of Liquidity Coverage Ratio for Commercial Obligation of Fulfillment of Liquidity Coverage Ratio for
Banks Commercial Banks
Peraturan Otoritas Jasa Keuangan No. 20 Tahun 2024 Tidak berdampak signifikan terhadap Sosialisasi Peraturan Otoritas Jasa Keuangan No. 20
tentang Perubahan Atas Peraturan Otoritas Jasa Laporan Keuangan Bank tahun 2024 tentang Perubahan Atas Peraturan Otoritas
Keuangan No. 50/POJK.03/2017 tentang Kewajiban Jasa Keuangan No. 50/POJK.03/2017 tentang Kewajiban
Pemenuhan Rasio Pendanaan Stabil Bersih (Net Pemenuhan Rasio Pendanaan Stabil Bersih (Net Stable
Stable Funding Ratio) Bagi Bank Umum Funding Ratio) Bagi Bank Umum
Financial Services Authority Regulation No. 20 of Has no significant impact on the Bank’s Dissemination of Financial Services Authority Regulation
2024 on Amendment to Financial Services Authority Financial Statements No. 20 of 2024 on Amendment to Financial Services
Regulation No. 50/POJK.03/2017 on Obligation of Authority Regulation No. 50/POJK.03/2017 on Obligation
Fulfillment of Net Stable Funding Ratio for Commercial of Fulfillment of Net Stable Funding Ratio for Commercial
Banks Banks
Surat Edaran Otoritas Jasa Keuangan Tidak berdampak signifikan terhadap Surat Keputusan Direksi No. 010/SK-DIR/02/24 tanggal
No. 11/SEOJK.01/2024 tentang Pelaporan dan Laporan Keuangan Bank 29 Februari 2024 tentang Kebijakan Sistem Layanan
Permintaan Informasi Debitur Melalui Sistem Layanan Informasi Keuangan (SLIK)
Informasi Keuangan
Financial Services Authority Circular Has no significant impact on the Bank’s Board of Directors’ Decision Letter No. 010/SK-DIR/02/24
No. 11/SEOJK.01/2024 on Reporting and Request for Financial Statements dated 29 February 2024 on Financial Information Service
Debtor Information through Financial Information System (SLIK) Policy
Service System
Surat Edaran Otoritas Jasa Keuangan Tidak berdampak signifikan terhadap Surat Keputusan Direksi No. 001/SK-DIR/08/24 tanggal
No. 13/SEOJK.08/2024 tentang Penyusunan dan Laporan Keuangan Bank 1 Agustus 2024 tentang Kebijakan Literasi dan Inklusi
Penyampaian Laporan Rencana dan Laporan Realisasi Keuangan
Literasi Keuangan dan Inklusi Keuangan
Financial Services Authority Circular Has no significant impact on the Bank’s Board of Directors’ Decision Letter No. 001/SK-DIR/08/24
No. 13/SEOJK.08/2024 on Preparation and Submission Financial Statements dated 1 August 2024 on Financial Literacy and Inclusion
of Financial Literacy and Financial Inclusion Plan and Policy
Realization Report
Surat Edaran Otoritas Jasa Keuangan Tidak berdampak signifikan terhadap Surat Keputusan Direksi No. 017/SK-DIR/10/24 tanggal
No. 18/SEOJK.08/2024 tentang Penilaian Sendiri Laporan Keuangan Bank 28 Oktober 2024 tentang Kebijakan Perlindungan
terhadap Pemenuhan Ketentuan Perlindungan Konsumen
Konsumen dan Masyarakat di Sektor Jasa Keuangan
Financial Services Authority Circular Has no significant impact on the Bank’s Board of Directors’ Decision Letter No. 017/SK-DIR/10/24
No. 18/SEOJK.08/2024 on Self-Assessment of Financial Statements dated 28 October 2024 on Consumer Protection Policy
Compliance with Consumer and Community Protection
Provisions in the Financial Services Sector
Perubahan Kebijakan Akuntansi Amendments to Accounting Policies
Perubahan kebijakan akuntansi dilakukan oleh Bank Victoria Changes in accounting policies were made by Bank Victoria
sebagai bentuk kepatuhan terhadap penerapan Pernyataan as a form of compliance with the implementation of Financial
Standar Akuntansi Keuangan (PSAK) yang berlaku efektif pada Accounting Standards Statement (PSAK) that are effective in the
tahun berjalan. current year.
Pada 1 Januari 2024, beberapa standar baru dan amandemen On 1 January 2024, several new standards and amendments to
terhadap standar yang masih berlaku mulai diterapkan, di antaranya: existing standards began to be implemented, including:
1. Amandemen PSAK 201 (dahulu PSAK 1): Liabilitas Jangka 1. Amendment to PSAK 201 (formerly PSAK 1): Long-Term Liabilities
Panjang dengan Kovenan; with Covenants;
2. Amandemen PSAK 116 (dahulu PSAK 73): Liabilitas Sewa dalam 2. Amendment to PSAK 116 (formerly PSAK 73): Lease Liability in
Jual Beli dan Sewa-balik; dan Sale and Leaseback; and
3. Amandemen PSAK 207 dan PSAK 107 (dahulu PSAK 2 dan 3. Amendment to PSAK 207 and PSAK 107 (formerly PSAK 2 and
PSAK 60): Pengaturan Pembiayaan Pemasok. PSAK 60): Supplier Finance Arrangements.
Penerapan standar-standar tersebut tidak menyebabkan perubahan The application of these standards does not cause substantial
substansial pada kebijakan akuntansi Bank, serta tidak berdampak changes to the Bank’s accounting policies, and does not have
material terhadap laporan keuangan Bank baik pada tahun berjalan a material impact on the Bank’s financial statements either in
maupun tahun sebelumnya. the current year or the previous year.
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Aspek Pendukung Bisnis Aspect of Business Support 150 PT Bank Victoria International Tbk | Laporan Tahunan dan Keberlanjutan 2024 Annual and Sustainability Report
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Aspek Pendukung Bisnis
Aspect of Business Support
Teknologi Informasi
Information Technology
Dalam beberapa tahun terakhir, preferensi nasabah telah beralih In recent years, customer preferences have shifted to digital
ke perilaku digital. Untuk mengimbangi perubahan tersebut, Bank behavior. To keep up with these changes, the Bank utilizes
memanfaatkan Teknologi Informasi (TI) dalam mengembangkan Information Technology (IT) in developing digital banking on an
perbankan digital secara berkesinambungan dengan tetap ongoing basis while maintaining transaction reliability and security.
mempertahankan keandalan dan keamanan transaksi. Bank juga The Bank also constantly develops a digital and electronic banking
terus mengembangkan ekosistem perbankan digital dan elektronik ecosystem by focusing on the development of mobile banking and
dengan berfokus pada pengembangan mobile banking dan internet internet banking.
banking.
Roadmap Teknologi Informasi Information Technology Roadmap
Roadmap pengembangan TI Bank disusun dan diselaraskan The Bank’s IT development roadmap is prepared and aligned with
dengan rencana strategis jangka menengah dan panjang. Proses ini the medium and long-term strategic plan. This process is carried out
dilakukan melalui beberapa langkah kunci berikut: through the following key steps:
1. Melakukan pengembangan berkelanjutan dalam revamping 1. Carrying out continuous development in revamping internet
internet banking dan mobile banking dengan menyediakan fitur banking and mobile banking by providing excellent and
dan produk digital yang unggul dan bersaing serta dilengkapi competitive digital features and products, equipped with digital
dengan pembukaan rekening digital (digital on boarding) account openings (digital on boarding) by using the technology
menggunakan teknologi biometric dan face recognition. of biometric and face recognition. The digital account opening
Pembukaan rekening digital tersebut bertujuan untuk menarik is aimed to attract new customers and existing customers to
minat nasabah baru serta nasabah yang sudah ada agar lebih make it easier in placing funds and making transactions through
mudah untuk menempatkan dana dan bertransaksi melalui Bank Victoria;
Bank Victoria;
2. Melakukan pengembangan berkelanjutan dalam revamping 2. Carrying out continuous development in revamping internet
internet banking business dengan fitur-fitur finansial dan banking business with financial and non-financial features,
non-finansial serta dilengkapi dengan fitur cash management, equipped with cash management features, including virtual
antara lain virtual account dan payroll untuk kebutuhan accounts and payroll for customers who have company’s
transaksi keuangan bagi nasabah yang mempunyai perusahaan; financial transaction needs;
3. Meningkatkan kualitas layanan kepada nasabah dengan 3. Improving services quality to customers by developing digital
melakukan pengembangan digital operations, yaitu melakukan operations, which is by conducting non-cash transaction
aktivitas transaksi non-tunai dengan menggunakan teknologi activities using video banking technology, so that they can
video banking, sehingga dapat berinteraksi terhadap interact with transactions to be carried out virtually but still
transaksi yang akan dilakukan secara virtual namun tetap prioritizing the principle of prudence and security in customers’
mengedepankan prinsip kehati-hatian serta keamanan financial transactions;
transaksi keuangan nasabah;
4. Melakukan kerja sama dengan pihak ketiga seperti kementerian, 4. Cooperating with third parties, such as ministries, banks,
bank, lembaga keuangan non-bank, e-commerce, online travel non-bank financial institutions, e-commerce, online travel
agent, peer to peer lending dengan skema platform business agents, and peer to peer lending with a business platform
(omni channel) untuk meningkatkan jumlah nasabah dan (omni channel) scheme, to increase the number of customers
frekuensi transaksi; and transaction frequency;
5. Memperkenalkan ekosistem digital lending untuk menambah 5. Introducing a digital lending ecosystem to increase the source
sumber nasabah kredit kepada Bank dan kecepatan proses of credit customers to the Bank and the speed of the Bank’s
kredit Bank kepada nasabah kredit; loan process to credit customers;
6. Mengembangkan digital onboarding via microsite agar dapat 6. Developing digital onboarding via microsite so that it can be
dikoneksikan dengan pihak front-end lain atau channel digital connected to other front-end parties or digital onboarding
onboarding yang bekerja sama dengan Bank; channels that cooperate with the Bank;
7. Mengembangkan loan channeling melalui financial technology, 7. Developing loan channeling through financial technology, rural
bank perkreditan rakyat, multifinance, dan koperasi untuk banks, multifinance, and cooperatives to expand access to
memperluas akses pembiayaan; financing;
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8. Menyesuaikan kebutuhan digital pada aplikasi core banking 8. Adjusting digital needs in core banking and middleware
dan middleware guna meningkatkan efisiensi dan integrasi applications to improve efficiency and system integration; and
sistem; dan
9. Meningkatkan dan memperbarui infrastruktur teknologi guna 9. Improving and updating technology infrastructure to support
mendukung operasional digital dan memastikan keandalan digital operations and ensure the reliability of banking system.
sistem perbankan.
Dalam penerapan roadmap TI, Bank Victoria berupaya untuk In implementing IT roadmap, Bank Victoria strives to improve
meningkatkan efisiensi operasional, memaksimalkan pemanfaatan operational efficiency, maximize information technology use,
teknologi informasi, serta mempertahankan daya saing di tengah and maintain competitiveness amidst the ever-changing market.
dinamika pasar yang terus berkembang.
Skema Rencana Strategis Keamanan Teknologi Informasi
Chart of Information Technology’s Security Strategic Plan
Previous Security Management Target Security Management
Security Admin Tidak sentralisasi security monitoring Security Admin Sentralisasi security monitoring investigasi.
investigasi.
Centralizing the security monitoring
Not centralizing the security monitoring
investigation.
investigation.
Physical Environment Physical Environment
Tidak memiliki aplikasi monitoring user. Memiliki aplikasi monitoring
Not centralizing the security monitoring and performance user.
investigation. Having monitoring application
Application Application and performance user.
DC/DR tidak memiliki access control
Security AuditSecurity Audit
secara sentralisasi perangkat dan hanya DCOR memiliki access control secara
menggunakan log book. sentralisasi perangkat dan hanya
DC/DR does not have centralized access menggunakan log book.
control device and only uses log book. DCOR has centralized access control
Security Operation
device and only uses log book.
Security Operation
Security Audit
Tidak memiliki sentralisasi aplikasi
Database monitoring dan semua port terbuka. Database
Memiliki sentralisasi aplikasi monitoring
Not having centralized monitoring dan semua port terbuka.
application and all ports are open. Having centralized monitoring
application and all ports are open.
Tidak memiliki standarisasi DB dan Control.
Not having standardized DB and Control. Memiliki standarisasi DB dan Control.
Having standardized DB and Control.
Operating System Operating System
Tidak ada pembatasan user/akses server Pembatasan user akses server/
tidak sentralisasi monitoring. tidak sentralisasi monitoring.
No limitation of users/server access not Limitation of server access users/not
centralizing the monitoring. centralizing the monitoring.
Tidak Pentest dan VA. Pentest dan VA setiap tahun.
No Pentest and VA. Pentest and VA every year.
Hardware Hardware
Di network, tidak ada firewall Di network, ada firewall dan
dan tidak sentralisasi monitoring. tidak sentralisasi monitoring.
In Network, there is no firewall In Network, there is no firewall
and no centralized monitoring. and no centralized monitoring.
Rutin sosialisasi program kesadaran
Kurangnya sosialisasi program kesadaran keamanan.
Network Keamanan. Network
Routine dissemination of the security
Lack of dissemination of the security awareness program.
awareness program.
Kebijakan dan prosedur selalu
di tinjau dan diperbarui.
Kebijakan dan prosedur sangat terbatas.
Policy and Security Policy and Security Policies and procedures are always
Very limited policies and procedures.
reviewed and updated.
Standard Awareness Standard Awareness
> Investasi terbatas untuk infrastruktur keamanan. > Akan menerapkan secara aktif dan reguler VA dan pentester.
> IT Security hanya fokus pada perbaikan infrastruktur. > Melakukan investasi untuk perbaikan infrastruktur.
> Kurangnya program kesadaran keamanan. > Peningkatan prosedur keamanan yg komprehensif dan sesuai dengan standar SOP
> Minimnya keterlibatan IT Section dalam proses pengembangan aplikasi baru. keamanan yang sudah ditentukan.
> Akan melakukan program kesadaran keamanan yang terintegrasi dan terpadu serta
melakukan penegakan kesadaran prosedur keamanan.
> IT Section akan dilibatkan dalam proses pengembangan aplikasi baru.
> Limited investment in security infrastructure. > Will actively and regularly implement VA and pentester.
> IT Security only focuses on improving infrastructure. > Investing in infrastructure improvement.
> Lack of security awareness program. > Enhanced comprehensive security procedures and in accordance with
> Lack of IT Section involvement in the process of developing new applications. the predetermined security SOP standards.
> IT Section will be involved in the process of developing new applications.
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Aspek Pendukung Bisnis
Aspect of Business Support
Penerapan Manajemen Risiko dalam Implementation of Risk Management in
Penggunaan Teknologi Informasi the Use of Information Technology
Dalam menggunakan TI, Bank mengimplementasikan manajemen In using IT, the Bank implements risk management through
risiko melalui 4 (empat) aspek berikut: the following 4 (four) aspects:
Pengawasan Aktif Dewan Komisaris dan Direksi Active Monitoring of Board of Commissioners
and Board of Directors
Dalam melakukan pengawasan terhadap penggunaan TI, Dewan In supervising the use of IT, the Bank’s Board of Commissioners and
Komisaris dan Direksi Bank memiliki wewenang dan tanggung jawab Board of Directors have the following authorities and responsibilities:
sebagai berikut:
1. Dewan Komisaris bertugas dan berwenang untuk 1. The Board of Commissioners has the duty and authority to
mengevaluasi, mengarahkan, dan memantau rencana strategis evaluate, direct, and monitor the Bank’s strategic plan and
serta kebijakan Bank terkait penggunaan TI, termasuk menilai policies related to IT use, including to evaluate the Board
pertanggungjawaban Direksi atas penerapan manajemen risiko of Directors’ accountability for the implementation of risk
dalam penggunaan TI; dan management in IT use; and
2. Direksi bertugas dan berwenang menetapkan rencana 2. The Board of Directors has the duty and authority to establish
strategis, kebijakan, standar, dan prosedur penggunaan TI Bank; strategic plan, policies, standards, and procedures for the
memastikan TI mendukung pertumbuhan bisnis dan tujuan Bank’s IT use; confirm that the IT supports the Company’s
perusahaan, serta kelangsungan pelayanan kepada nasabah; business growth and objectives, as well as service continuity
menyelenggarakan kegiatan peningkatan kompetensi sumber to customers; carry out activities to increase human capital
daya manusia terkait TI; menjamin keamanan informasi dengan competencies related to IT; guarantee information security
sistem pengelolaan yang efektif; menerapkan manajemen with effective management system; implement adequate
risiko TI secara memadai; memastikan penerapan kebijakan TI IT risk management; ensure effective implementation of IT
secara efektif; dan menyediakan sistem pengukuran kinerja policies; and provide performance measurement system of IT
penyelenggaraan TI. implementation.
Selain itu, Bank juga membentuk Komite Teknologi Informasi In addition, the Bank also establishes an Information Technology
untuk membantu Dewan Komisaris dan Direksi dalam memberikan Committee to assist the Board of Commissioners and Board of
rekomendasi terkait aspek tata kelola TI dan manajemen risiko Directors in providing recommendations related to IT governance
penggunaan TI. aspects and risk management in the use of IT.
Kecukupan Kebijakan, Standar, dan Prosedur Adequacy of Policies, Standards, and
Penyelenggaraan Teknologi Informasi Procedures of Information Technology
Implementation
Kebijakan, standar, dan prosedur penyelenggaraan TI di Bank Policies, standards, and procedures of the implementation of IT at
Victoria disusun berdasarkan ketentuan Peraturan Otoritas Jasa Bank Victoria are prepared based on the provisions of Financial
Keuangan No. 11 Tahun 2022 tentang Penyelenggaraan Teknologi Services Authority Regulation No. 11 of 2022 on Information
Informasi oleh Bank Umum dan Peraturan Otoritas Jasa Keuangan Technology Operations by Commercial Banks and Financial
No. 21 Tahun 2023 mengenai Layanan Digital oleh Bank Umum. Services Authority Regulation No. 21 of 2023 on Digital Services
Kebijakan ini diterapkan secara konsisten dan terus ditinjau ulang by Commercial Banks. These policies are applied consistently
untuk memastikan kesesuaiannya dengan perkembangan bisnis and are constantly reviewed to ensure compliance with business
dan regulasi yang berlaku. Ruang lingkup kebijakan ini mencakup developments and applicable regulations. The scope of these
tata kelola TI, arsitektur TI, manajemen risiko penyelenggaraan TI, policies includes IT governance, IT architecture, risk management
ketahanan dan keamanan siber, penggunaan pihak penyedia jasa of IT implementation, cyber resilience and security, use of IT service
TI, pengelolaan data dan perlindungan data pribadi, pengendalian providers, data management and personal data protection, internal
dan audit intern TI Bank, pelaporan, dan penilaian tingkat maturitas control and audit of Bank’s IT, reporting, and assessing the Bank’s
digital Bank. digital maturity level.
Kecukupan Proses Identifikasi, Pengukuran, Adequacy of Risk Identification, Measurement,
Pemantauan, dan Pengendalian Risiko Monitoring, and Management Process of
Penggunaan Teknologi Informasi the Use of Information Technology
Proses identifikasi, pengukuran, pemantauan, dan pengendalian The process of identifying, measuring, monitoring, and controlling
risiko dalam penggunaan TI di Bank Victoria dijalankan berdasarkan risks in the use of IT at Bank Victoria is carried out based on
kebijakan manajemen risiko yang tertuang dalam Surat the risk management policy stated in the Board of Directors’
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Keputusan Direksi No. 026/SK-DIR/01/24 tanggal 31 Januari 2024. Decision Letter No. 026/SK-DIR/01/24 dated 31 January 2024.
Kebijakan ini dirancang untuk menjamin stabilitas dan kontinuitas This policy is designed to ensure the stability and continuity of the
operasional TI Bank, serta memitigasi risiko yang berpotensi Bank’s IT operations, as well as mitigate risks that have the potential
mengganggu aktivitas operasional. Selain itu, langkah-langkah to disrupt operational activities. Furthermore, control measures
pengendalian diterapkan guna memastikan bahwa jaringan komunikasi are implemented to ensure that the communication network
yang digunakan oleh Bank selalu menjaga kerahasiaan, integritas, dan used by the Bank always maintains the confidentiality, integrity,
ketersediaan data di samping keamanan data tetap terjaga. and availability of data in addition to maintaining data security.
Sistem Pengendalian Internal Atas Penggunaan Internal Control System for the Use of
Teknologi Informasi Information Technology
Bank Victoria menerapkan pengendalian internal yang ketat terhadap Bank Victoria implements strict internal controls over all aspects
seluruh aspek penggunaan TI melalui audit rutin yang dilakukan oleh of IT use through regular audits conducted by SKAI Division.
Divisi SKAI. Sepanjang tahun 2024, terdapat 8 (delapan) temuan Throughout 2024, there were 8 (eight) findings related to IT
terkait TI dengan tingkat risiko “Low to Moderate”. Temuan-temuan with a risk level of “Low to Moderate”. These findings cover various
ini mencakup berbagai aspek operasional TI, yang meliputi: aspects of IT operations, including:
1. Labelling Information; 1. Labelling Information;
2. Access Right; 2. Access Right;
3. Information Security Events; 3. Information Security Events;
4. Equipment Protection; 4. Equipment Protection;
5. Clock Synchronization; 5. Clock Synchronization;
6. Operational Planning and Control; 6. Operational Planning and Control;
7. Physical Entry; dan 7. Physical Entry; and
8. Policies Security Monitoring. 8. Policies Security Monitoring.
Tim TI Bank telah menindaklanjuti seluruh temuan tersebut guna The Bank’s IT team has followed up on all these findings to ensure
memastikan kepatuhan terhadap kebijakan dan standar keamanan yang the compliance with applicable security policies and standards, and
berlaku, serta mengurangi potensi gangguan yang dapat berdampak to reduce potential disruptions that could impact the stability of
pada stabilitas operasional Bank. Langkah-langkah perbaikan yang the Bank’s operations. The corrective measures taken also aim to
dilakukan juga bertujuan untuk menjaga kelangsungan operasional maintain effective operational continuity and prevent similar risks
secara efektif dan mencegah risiko serupa di masa mendatang. in the future.
Proses Tata Kelola Terkait Isu Teknologi Governance Process Related to Information
Informasi Technology Issues
Bank Victoria menerapkan tata kelola yang komprehensif terkait Bank Victoria implements comprehensive governance related to IT
penggunaan TI untuk memastikan bahwa semua risiko utama yang use to ensure that all major risks related to IT systems, cybersecurity,
terkait dengan sistem TI, keamanan dunia maya, dan pemulihan and disaster recovery have been identified, managed, and
bencana telah diidentifikasi, dikelola, dan dilaporkan secara reported transparently. The IT governance process begins with
transparan. Proses tata kelola TI dimulai dengan pengawasan active supervision by the Board of Commissioners and Board of
aktif oleh Dewan Komisaris dan Direksi yang bertanggung jawab Directors who are responsible for evaluating policies, procedures,
mengevaluasi kebijakan, prosedur, dan rencana strategis terkait and strategic plans related to IT management. The Board of
pengelolaan TI. Dewan Komisaris dan Direksi memastikan bahwa Commissioners and Board of Directors ensure that the policies of
kebijakan manajemen risiko TI selaras dengan tujuan bisnis Bank IT risk management are aligned with the Bank’s business objectives
dan mendukung kelangsungan operasional. and support operational continuity.
Pengelolaan risiko TI mencakup identifikasi risiko utama, termasuk IT risk management includes identifying major risks, including
potensi gangguan sistem, ancaman keamanan siber, serta kesiapan potential system disruptions, cybersecurity threats, and disaster
dalam menghadapi bencana. Dalam hal keamanan siber, Bank preparedness. In terms of cybersecurity, Bank Victoria applies
Victoria menerapkan langkah-langkah proaktif untuk melindungi proactive measures to protect sensitive data and ensure the Bank’s
data sensitif dan memastikan sistem Bank tahan terhadap serangan systems are resilient to cyber attacks through regular internal and
dunia maya melalui audit internal dan eksternal secara berkala. external audits. Risk mitigation efforts are carried out through the
Upaya mitigasi risiko dilakukan melalui penerapan sistem keamanan integrated cyber security system by implementing international
siber yang terintegrasi dengan menerapkan standar internasional standards such as ISO 27001, which ensures that the Bank is able
seperti ISO 27001, yang memastikan bahwa Bank mampu to protect the integrity, confidentiality, and availability of data.
melindungi integritas, kerahasiaan, dan ketersediaan data.
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Aspek Pendukung Bisnis
Aspect of Business Support
Bank juga memiliki rencana pemulihan bencana yang teruji, dengan The Bank also has a proven disaster recovery plan, with the aim of
tujuan memastikan kelangsungan operasional dalam kondisi ensuring operational continuity in emergency conditions. This plan
darurat. Rencana ini mencakup pemulihan data, backup berkala, includes data recovery, periodic backups, and periodic disaster
dan simulasi pemulihan bencana secara periodik untuk memastikan recovery simulations to ensure the Bank’s readiness to face major
kesiapan Bank dalam menghadapi gangguan besar. disruptions.
Proses pelaporan risiko TI dilakukan secara berkala kepada The IT risk reporting process is carried out periodically to top
manajemen puncak dan regulator, memastikan bahwa setiap management and regulators, ensuring that any potential disruptions
potensi gangguan atau ancaman dapat ditangani dengan segera. or threats can be handled immediately. With a strong governance
Dengan kerangka tata kelola yang kuat, Bank Victoria terus framework, Bank Victoria continuously monitors and adjusts IT
memantau dan menyesuaikan kebijakan TI agar tetap responsif policies to remain responsive to the evolving technological threats.
terhadap dinamika ancaman teknologi yang terus berkembang.
Pengembangan Teknologi Informasi Information Technology Development
Tahun 2024 in 2024
Bank Victoria telah mengembangkan TI guna mendukung customer Bank Victoria has developed IT to support customer experience,
experience, meningkatkan kualitas layanan, serta mempererat improve service quality, and strengthen relationships with
hubungan dengan nasabah. Sepanjang tahun 2024, berbagai customers. Throughout 2024, various IT development initiatives
inisiatif pengembangan TI telah diimplementasikan, yaitu: were implemented, namely:
Tujuan Bagian Penambahan Pelaksanaan
Objectives Additional Part Implementation
Revamp Internet Banking and Revamp internet banking individual dan mobile banking termasuk digital onboarding Triwulan 1 2024
Mobile Banking Revamp individual internet banking and mobile banking including digital onboarding Quarter 1 2024
Liquidity Coverage Ratio & Net Implementasi aplikasi pelaporan liquidity coverage ratio & net stable funding ratio Triwulan 1 2024
Stable Funding Ratio (LCR & NSFR) Implementation of liquidity coverage ratio & net stable funding ratio reporting application Quarter 1 2024
ATMR Risiko Pasar Implementasi aplikasi pelaporan ATMR risiko pasar Triwulan 1 2024
Market Risk RWA Implementation of market risk RWA reporting application Quarter 1 2024
Single Sign On Implementasi aplikasi single sign on Triwulan 1 2024
Implementation of single sign on application Quarter 1 2024
Mail Exchange Penggantian sistem mail exchange Triwulan 1 2024
Replacement of mail exchange system Quarter 1 2024
Priviledge Access Management Implementasi aplikasi priviledge access management Triwulan 2 2024
Implementation of privilege access management application Quarter 2 2024
Data Loss Prevention Implementasi aplikasi data loss prevention Triwulan 3 2024
Implementation of data loss prevention application Quarter 3 2024
Call Center Penggantian call center system Triwulan 3 2024
Replacement of call center system Quarter 3 2024
Migrasi Disaster Recovery Center Migrasi disaster recovery center untuk surrounding system dari Gedung Fatmawati ke Gedung Bitera Triwulan 4 2024
Migration of Disaster Recovery Center Migration of disaster recovery center for surrounding system from Fatmawati Building to Bitera Building Quarter 4 2024
Bank Victoria juga secara konsisten telah menerapkan pengendalian Bank Victoria has also consistently implemented controls in
dalam sistem manajemen keamanan informasi, yang dibuktikan information security management system, as evidenced by the
dengan pencapaian Sertifikasi ISO 27001 terkait Information achievement of ISO 27001 Certification related to Information
Security. Selain itu, pada tahun 2024, Bank juga berfokus pada Security. Furthermore, in 2024, the Bank also focused on developing
pengembangan teknologi sistem informasi dan peningkatan information system technology and improving infrastructure that
infrastruktur yang mendukung kegiatan operasional, yaitu: supported operational activities, namely:
1. Revamp internet banking bisnis untuk meningkatkan fitur dan 1. Revamp of business internet banking to improve features and
pengalaman pengguna; user experience;
2. Digital operation, yaitu layanan transaksi non-tunai nasabah 2. Digital operation, namely non-cash customer transaction
melalui video call guna meningkatkan kenyamanan dan efisiensi services through video call to improve convenience and service
layanan; efficiency;
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3. Peer to peer lending, yaitu kerja sama dengan digital lending 3. Peer to peer lending, namely cooperation with digital lending
ecosystems untuk memperluas akses pembiayaan; ecosystems to expand access to financing;
4. Loan channelling melalui financial technology, bank perkreditan 4. Loan channeling through financial technology, rural banks,
rakyat, multifinance, dan koperasi sebagai bagian dari strategi multifinance, and cooperatives as part of credit expansion
ekspansi kredit; strategies;
5. Pengembangan digital onboarding via microsite agar dapat 5. Development of digital onboarding via microsite in order to
terkoneksi dengan berbagai channel digital onboarding yang be connected to various digital onboarding channels that
bekerja sama dengan Bank; cooperate with the Bank;
6. Penggantian treasury system guna meningkatkan efisiensi dan 6. Replacement of treasury system to improve efficiency and
akurasi dalam pengelolaan transaksi treasury; dan accuracy in managing treasury transactions; and
7. Peningkatan dan pengkinian terhadap infrastruktur teknologi 7. Improvement and updating of technology infrastructure
untuk memastikan keandalan sistem serta mendukung to ensure system reliability and support the Bank’s digital
transformasi digital Bank. transformation.
Strategi Pengembangan Teknologi Informasi Information Technology Development
Tahun 2025 Strategy in 2025
Untuk periode 2025-2027, Bank Victoria telah merancang strategi For the 2025-2027 period, Bank Victoria has designed IT
pengembangan TI guna meningkatkan layanan perbankan digital, development strategies to improve digital banking services, expand
memperluas ekosistem keuangan, dan meningkatkan keamanan financial ecosystem, and improve operational security and efficiency.
serta efisiensi operasional. Strategi ini mencakup pengembangan These strategies include the development of digital services, IT
layanan digital, infrastruktur TI, fitur perbankan elektronik, serta infrastructure, electronic banking features, and cooperation with
kerja sama dengan berbagai pihak, yang diuraikan sebagai berikut: various parties, as described below:
1. Pengembangan Layanan Digital dan Perbankan Elektronik: 1. Development of Digital Services and Electronic Banking:
a. Revamp Internet Banking Business & Cash Management a. Revamp Internet Banking Business & Cash Management
(Phase I & II); (Phase I & II);
b. Virtual Account (Phase I & II); b. Virtual Account (Phase I & II);
c. QRIS Customer Presented Mode (CPM); c. QRIS Customer Presented Mode (CPM);
d. QRIS Merchant (MPM Acquirer); d. QRIS Merchant (MPM Acquirer);
e. QRIS Cross Border dan QRIS Tuntas; e. QRIS Cross Border and QRIS Tuntas;
f. BI-Fast via Internet Banking dan Mobile Banking; f. BI-Fast via Internet Banking and Mobile Banking;
g. Bank Persepsi via Internet Banking dan Mobile Banking; g. Collecting Bank via Internet Banking and Mobile Banking;
h. Kerja sama dengan peer-to-peer lending/open API untuk h. Cooperation with peer-to-peer lending/open API for digital
digital lending ecosystem (Phase I & II); lending ecosystem (Phase I & II);
i. Loan Channeling untuk perorangan dan perusahaan; i. Loan Channeling for individuals and companies;
j. Pembukaan Rekening Qualitate Qua (QQ); dan j. Opening of Qualitate Qua (QQ) Account; and
k. Digital Onboarding via Microsite untuk perorangan dan k. Digital Onboarding via Microsite for individuals and
perusahaan. companies.
2. Pengembangan Produk dan Layanan Keuangan Digital: 2. Development of Digital Financial Products and Services:
a. Reksa Dana via Digital (fitur dari revamp internet banking & a. Mutual Funds via Digital (feature of revamp internet
mobile banking); banking & mobile banking);
b. Bancassurance Digital dan kerja sama dengan rekanan b. Digital Bancassurance and cooperation with insurance
asuransi untuk produk tradisional & non-tradisional partners for traditional & non-traditional products via
via digital channel maupun over the counter; digital channels and over the counter;
c. Kerja sama dengan aset manajemen untuk produk reksa c. Cooperation with asset management for mutual fund
dana yang dipasarkan via internet banking, mobile banking, products marketed via internet banking, mobile banking,
dan over the counter; and over the counter;
d. My Victoria (platform digital perbankan); d. My Victoria (digital banking platform);
e. Digital Voucher (Victoria Mart); e. Digital Voucher (Victoria Mart);
f. Website Marketing; f. Website Marketing;
g. Debit Acquirer dan kerja sama mesin EDC; dan g. Debit Acquirer and EDC machine cooperation; and
h. Cashback & Engine Discount. h. Cashback & Engine Discount.
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Aspek Pendukung Bisnis
Aspect of Business Support
3. Pengembangan Infrastruktur dan Keamanan Sistem TI: 3. Development of IT System Infrastructure and Security:
a. Penggantian Treasury System; a. Replacement of Treasury System;
b. Peningkatan dan pengkinian infrastruktur teknologi; b. Improvement and update of technology infrastructure;
c. Peningkatan tools security (Security Information and c. Improvement of security tools (Security Information and
Event Management/SIEM); Event Management/SIEM);
d. Pengembangan dan kerja sama BI Standard National Open d. Development and cooperation of BI Standard National
API Payment (SNAP); dan Open API Payment (SNAP); and
e. Penambahan dan penggantian perangkat infrastruktur e. Additional and replacement of infrastructure devices
yang memasuki masa obsolete. entering obsolete period.
4. Pengembangan Layanan Digital dan Fitur Perbankan Elektronik: 4. Development of Digital Services and Electronic Banking
Features:
Digital Operations (layanan transaksi non-tunai via video
a. a. Digital Operations (non-cash transaction services via video
call – Phase I, II & III); call – Phase I, II & III);
b. Digital Form Transactions (fitur dari revamp internet b. Digital Form Transactions (features of revamp internet
banking & mobile banking via video banking); banking & mobile banking via video banking);
c. Microsite Kredit Pemilikan Rumah (KPR); c. Home Ownership Loan (KPR) Microsite;
d. Kerja sama dengan prinsipal internasional (VISA/ d. Cooperation with international principals (VISA/
MasterCard); MasterCard);
e. Kerja sama dengan startup melalui digital channel; e. Cooperation with startup through digital channels;
f. Fitur Internet Banking & Mobile Banking: f. Internet Banking & Mobile Banking Features:
• Victoria Mart; • Victoria Mart;
• Cardless Withdrawal (ATM, kantor cabang, minimarket, • Cardless Withdrawal (ATM, branch offices, minimarkets,
kantor pos); post offices);
• Bancassurance; • Bancassurance;
• Reksa Dana; • Mutual Funds;
• Sosial dan Keagamaan; • Social and Religious;
• Lifestyle (Victoria Mart); • Lifestyle (Victoria Mart);
• Remittance; • Remittance;
• Top Up eMoney (Bank Mandiri); • Top Up eMoney (Bank Mandiri);
• E-Wallet; • E-Wallet;
• Point Reward; • Point Reward;
• Video Banking & Digital Operation; • Video Banking & Digital Operation;
• Victoria Advertisement; • Victoria Advertisement;
• BI-Fast; dan • BI-Fast; and
• Bank Persepsi. • Collecting Bank.
5. Penambahan Fitur dan Kerja Sama Digital: 5. Additional Features and Digital Collaboration:
a. Transfer ke Luar Negeri (Remittance melalui startup); a. Overseas Transfers (Remittance via startup);
b. Subscribe layanan berita online via internet banking and b. Subscribe to online news services via internet banking and
mobile banking; mobile banking;
c. Akses karyawan untuk menarik upah per hari (kas bon); c. Employee access to withdraw daily wages (cash advance);
d. Pembelian produk olahraga dan obat-obatan secara online d. Online purchase of sport products and medicine via
melalui Victoria Mobile; Victoria Mobile;
e. Penambahan kerja sama dengan yayasan sosial keagamaan e. Additional cooperation with social and religious foundations
via internet banking and mobile banking; via internet banking and mobile banking;
f. Join ‘AND’, Join ‘OR’, dan QQ Account via internet banking f. Join ‘AND’, Join ‘OR’, and QQ Account via internet banking
and mobile banking; and mobile banking;
g. Cross Border Payment; g. Cross Border Payment;
h. Member Get Member Program; h. Member Get Member Program;
i. Tabungan Berhadiah dan Tabungan Berjangka; i. Savings with Prize and Term Savings;
j. QRIS Patungan; j. QRIS Split Bill;
k. Setor Tunai Tanpa Kartu (Cardless Cash Deposit); dan k. Cardless Cash Deposit; and
l. Cardless Withdrawal via Digital Channel. l. Cardless Withdrawal via Digital Channel.
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Tata Kelola Perusahaan
Good Corporate Governance
Dasar dan Prinsip Implementasi GCG
Basis and Principles of GCG Implementation
Tata kelola perusahaan yang baik (good corporate governance/GCG) Good corporate governance (GCG) is the basic principles that
merupakan prinsip-prinsip dasar yang mengarahkan pengelolaan guide the company management in line with laws and regulations
perusahaan sesuai dengan peraturan perundang-undangan and business ethics. The Bank understands the importance of
dan etika bisnis. Bank memahami pentingnya penerapan GCG implementing GCG not only to comply with regulations, but
tidak hanya untuk memenuhi regulasi, tetapi juga sebagai langkah also as a strategic step to improve performance and sustainable
strategis untuk meningkatkan kinerja dan daya saing berkelanjutan. competitiveness. GCG is implemented consistently with
Implementasi GCG dilakukan secara konsisten dengan penyesuaian adjustments to operational policies and procedures that follow
kebijakan dan prosedur operasional yang mengikuti peraturan terbaru the latest regulations and industry best practices. The Bank
dan praktik terbaik industri. Pengelolaan Bank yang sesuai prinsip GCG management that is in line with GCG principles supports the Bank
ini mendukung kesehatan Bank, memperkuat kepercayaan publik, serta soundness, strengthens public trust, and provides added value for
memberikan nilai tambah bagi investor dan pemangku kepentingan. investors and stakeholders.
Dalam implementasi GCG, selain mengacu pada regulasi Otoritas In implementing GCG, other than referring to the applicable Financial
Jasa Keuangan yang berlaku, Bank juga mengacu pada prinsip-prinsip Services Authority regulations, the Bank also refers to the principles
dalam Pedoman Governansi Korporat Indonesia (PUGKI) 2021 beserta in the 2021 General Guidelines for Indonesian Corporate Governance
rekomendasi dan panduan di dalamnya yang dijiwai oleh 4 (empat) pilar (PUGKI) along with the recommendations and guidelines therein,
governansi korporat, yaitu perilaku beretika, akuntabilitas, transparansi, which are inspired by the 4 (four) corporate governance pillars, namely
dan keberlanjutan. Pilar governansi tersebut merupakan perkembangan ethical behavior, accountability, transparency, and sustainability.
terkini dari nilai dasar transparansi, akuntabilitas, responsibilitas, These governance pillars are the latest developments of basic values
independensi, kewajaran, dan kesetaraan. of transparency, accountability, responsibility, independence, and
fairness and equality.
Pilar Governansi Implementasi
Governance Pillars Implementation
Bank senantiasa mengedepankan kejujuran, memperlakukan semua pihak dengan hormat, memenuhi komitmen, membangun serta menjaga
nilai-nilai moral dan kepercayaan secara konsisten. Bank memperhatikan kepentingan Pemegang Saham dan pemangku kepentingan lainnya
berdasarkan asas kewajaran dan kesetaraan dan dikelola secara independen sehingga masing-masing organ Bank tidak saling mendominasi
dan tidak dapat diintervensi oleh pihak lain.
Perilaku Beretika The Bank always prioritizes honesty, treats all parties with respect, fulfills its commitments, as well as consistently builds and maintains moral values
Ethical Conduct and beliefs. The Bank pays attention to the interests of Shareholders and other stakeholders based on the principle of fairness and equality,
and each organ of the Bank is managed independently so that it does not dominate the other and cannot be intervened by other parties.
Bank dapat mempertanggungjawabkan kinerja secara transparan dan wajar. Untuk itu Bank dikelola secara benar, terukur dan sesuai
dengan kepentingan Bank dengan tetap memperhitungkan kepentingan Pemegang Saham dan pemangku kepentingan. Akuntabilitas
merupakan prasyarat yang diperlukan untuk mencapai kinerja yang berkelanjutan.
The Bank is accountable for its performance in a transparent and fair manner. For this reason, the Bank is managed properly, measurably,
Akuntabilitas and in accordance with the Bank’s interests, while still considering the interests of Shareholders and stakeholders. Accountability is
Accountability the prerequisite needed to achieve the sustainable performance.
Bank menyediakan informasi yang material dan relevan dengan cara yang mudah diakses dan dipahami oleh pemangku kepentingan.
Bank mengambil inisiatif untuk mengungkapkan tidak hanya masalah yang disyaratkan oleh peraturan perundang-undangan, tetapi juga hal
yang penting untuk pengambilan keputusan oleh Pemegang Saham dan pemangku kepentingan lainnya.
The Bank provides relevant material information that is easily accessible and understood by the stakeholders. The Bank takes
Transparansi the initiative to disclose not only issues required by laws and regulations, but also important matters for decision making by Shareholders
Transparency and other stakeholders.
Bank mematuhi peraturan perundang-undangan serta berkomitmen melaksanakan tanggung jawab terhadap masyarakat dan lingkungan
agar berkontribusi pada pembangunan berkelanjutan melalui kerja sama dengan semua pemangku kepentingan terkait untuk meningkatkan
kehidupan mereka dengan cara yang selaras dengan kepentingan bisnis dan agenda pembangunan berkelanjutan.
The Bank complies with the laws and regulations and is committed to carrying out its responsibilities towards community
Keberlanjutan and environment in order to contribute to sustainable development by working with all relevant stakeholders to improve their lives
Sustainability aligned with the business interests and the sustainable development agenda.
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Struktur GCG
GCG Structures
Bank telah menetapkan struktur GCG yang mencerminkan prinsip The Bank has established GCG structures that reflect the principle
check and balances dalam penerapan GCG. Adapun struktur of check and balances in GCG implementation. The organizational
organisasi Bank Victoria yang menunjukkan Bank secara konsisten structure of Bank Victoria which shows that the Bank has
telah menerapkan GCG ditunjukkan sebagai berikut: consistently implemented GCG is shown as follows:
Rapat Umum Pemegang Saham
General Meeting of Shareholders
Dewan Komisaris Direksi
Board of Commissioner Board of Director
Komite Manajemen Risiko/ Komite Pengarah
Komite Pemantau Risiko Integrated Teknologi Informasi
Risk Monitoring Committee Corporate Secretary Division
Risk/Integrated Information Technology
Management Committee Steering Committee
Komite Remunerasi
dan Nominasi Asset and Liability Komite Produk
SKAI Division
Remuneration and Committee Product Committee
Nomination Committee
Komite Audit Compliance,
Komite Kredit Komite Pengadaan
Audit Committee System Procedure &
Credit Committee Procurement Committee
Customer Protection Division
Komite Kebijakan
Perkreditan Komite Personalia Risk Management/
Personnel Committee Integrated Division
Credit Policy Committee
Komite Pemantau dan
Pelaksanaan GCG
Anti-Fraud Department
GCG Implementation and
Monitoring Committee
AML, CTF &
WMD Department
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Tata Kelola Perusahaan
Good Corporate Governance
Framework GCG
GCG Framework
Dalam rangka mendukung implementasi GCG yang efektif, To support the effective GCG implementation, Bank Victoria has
Bank Victoria merancang Corporate Governance Framework designed a comprehensive Corporate Governance Framework.
yang komprehensif. Kerangka ini disusun dengan mengacu This framework is prepared by referring to applicable laws and
pada peraturan perundang-undangan yang berlaku, serta regulations, and considering operational conditions, organizational
mempertimbangkan kondisi operasional, budaya organisasi, dan culture, and the Bank’s core values. Through Corporate Governance
nilai-nilai inti Bank. Melalui Corporate Governance Framework, Framework, Bank Victoria ensures consistent GCG implementation,
Bank Victoria memastikan penerapan GCG yang konsisten, integrates GCG across all business aspects, and strengthens
mengintegrasikan GCG di seluruh aspek bisnis, serta menguatkan accountability, transparency, and ethics in decision-making.
akuntabilitas, transparansi, dan etika dalam pengambilan The scheme of Bank Victoria’s Corporate Governance Framework is
keputusan. Skema dari Corporate Governance Framework Bank presented as follows:
Victoria ditunjukkan sebagai berikut:
Penetapan fungsi pengendalian Pemilihan dan pengawasan
Penetapan strategi dan sasaran Bank.
yang efektif. human capital yang efektif.
Establishment of Bank’s strategies
Establishment of effective management Selection and supervision of
and targets.
function. effective human capital.
Alokasi Wewenang,
Tugas, dan Tanggung Jawab
Organ Bank yang Efektif
Effective Allocation of Authority,
Duties, and Responsibilities of
the Bank’s Organs
Pemaduan budaya, kegiatan usaha, dan
perilaku dengan tujuan menjalankan
kegiatan usaha yang aman dan sehat, Pemenuhan kepentingan Pemegang Saham
dengan integritas dan patuh terhadap dan pemangku kepentingan lainnya serta
peraturan perundang-undangan. melindungi kepentingan nasabah. Pengelolaan Bank yang profesional.
Combination of culture, business Fulfillment of the Shareholders’ and other Professional management of the Bank.
activities, and behavior with the intention Stakeholders’ interests and protection of
of conducting safe and sound business the customers’ interests.
activities, with integrity and in compliance
with the laws and regulations.
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Peningkatan Kualitas Implementasi GCG
Improvement of GCG Implementation Quality
Mekanisme implementasi GCG di Bank dirancang berdasarkan GCG implementation mechanism at the Bank is designed based on
praktik terbaik dalam industri perbankan, dengan fokus untuk best practices in banking industry, with a focus on achieving Good
mencapai Good Corporate Sustainability. Untuk memastikan Corporate Sustainability. To ensure the effective and targeted GCG
implementasi GCG yang efektif dan terarah, Bank Victoria implementation, Bank Victoria implements several key steps as
menerapkan beberapa langkah kunci sebagai berikut: follows:
1. Menetapkan standar kualitas implementasi GCG; 1. Determining quality standard of GCG implementation;
2. Mengawasi implementasi GCG; 2. Monitoring the GCG implementation;
3. Menilai implementasi GCG; dan 3. Assessing the GCG implementation; and
4. Meningkatkan kualitas implementasi GCG dan benchmarking. 4. Improving quality of GCG implementation and benchmarking.
Penilaian Penerapan GCG Assessment of GCG Implementation
Bank Victoria secara rutin melakukan penilaian penerapan GCG Bank Victoria regularly evaluates GCG implementation through
melalui penilaian mandiri (self-assessment) tahunan guna menilai annual self-assessment to evaluate the adequacy of internal
tingkat kecukupan tata kelola di lingkungan internal. Penilaian governance. This assessment is carried out based on Financial
ini dilaksanakan berdasarkan Peraturan Otoritas Jasa Keuangan Services Authority Regulation No. 17 of 2023 and Financial
No. 17 Tahun 2023 dan Surat Edaran Otoritas Jasa Keuangan Services Authority Circular No. 13/SEOJK.03/2017 on Governance
No. 13/SEOJK.03/2017 tentang Penerapan Tata Kelola bagi Bank Implementation for Commercial Banks, as well as various standards
Umum, serta berbagai standar praktik terbaik yang berlaku for best practices applicable in banking industry.
di industri perbankan.
Tujuan dari self-assessment GCG adalah untuk mengidentifikasi The purpose of the GCG self-assessment is to identify strengths and
kekuatan dan kelemahan dalam implementasi tata kelola weaknesses in corporate governance implementation, evaluated
perusahaan, yang dievaluasi berdasarkan 3 (tiga) aspek utama, based on 3 (three) main aspects, namely governance structure,
yaitu governance structure, governance process, dan governance governance process, and governance outcome. The overall
outcome. Adapun proses penilaian secara menyeluruh mencakup assessment process includes 11 (eleven) governance implementation
11 (sebelas) faktor penilaian pelaksanaan tata kelola berikut: assessment factors as follows:
1. Pelaksanaan tugas dan tanggung jawab Direksi; 1. Implementation of Board of Directors’ duties and responsibilities;
2. Pelaksanaan tugas dan tanggung jawab Dewan Komisaris; 2. Implementation of Board of Commissioners’ duties and
responsibilities;
3. Kelengkapan dan pelaksanaan tugas Komite; 3. Completeness and implementation of Committee’s duties;
4. Penanganan benturan kepentingan; 4. Management of conflict of interest;
5. Penerapan fungsi kepatuhan; 5. Implementation of compliance function;
6. Penerapan fungsi Audit Internal; 6. Implementation of Internal Audit function;
7. Penerapan fungsi audit eksternal; 7. Implementation of external audit function;
8. Penerapan manajemen risiko, termasuk sistem pengendalian 8. Implementation of risk management including internal control
internal; system;
9. Penyediaan dana kepada pihak terkait (related party) dan 9. Provision of funds to related party and large exposure;
penyediaan dana besar (large exposure);
10. Transparansi kondisi keuangan dan non-keuangan Bank, 10. Transparency of the Bank’s financial and non-financial condition,
laporan pelaksanaan GCG, dan pelaporan internal; dan GCG implementation report, and internal reporting; and
11. Rencana strategis Bank. 11. The Bank’s strategic plan.
Sesuai dengan perkembangan regulasi yang berlaku, Bank Victoria In accordance with the development of the applicable regulations,
telah menambahkan 5 (lima) aspek tambahan dalam pelaksanaan Bank Victoria has incorporated 5 (five) additional aspects in
self-assessment GCG, sebagaimana diatur dalam Peraturan Otoritas implementing GCG self-assessment, as stipulated in Financial
Jasa Keuangan No. 17 Tahun 2023. Aspek-aspek tambahan tersebut Services Authority Regulation No. 17 of 2023. These additional aspects
meliputi aspek pemberian remunerasi, aspek Pemegang Saham, include the remuneration aspect, Shareholders aspect, anti-fraud
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Tata Kelola Perusahaan
Good Corporate Governance
penerapan strategi anti-fraud, penerapan keuangan berkelanjutan, strategy implementation, sustainable finance implementation, and
serta penerapan tata kelola dalam kelompok usaha, baik dari sisi governance implementation in business groups, including in terms
governance structure, governance process, dan governance of governance structure, governance process, and governance
outcome. Untuk tahun buku 2024, hasil self-assessment yang outcome. For the 2024 fiscal year, the results of the Bank’s
dilakukan Bank atas penerapan GCG diuraikan sebagai berikut: self-assessment on GCG implementation were described as follows:
Indikator Peringkat Definisi Peringkat
Indicator Rating Rating Definition
Individu Baik
2
Individual Good
Skor penilaian self-assessment GCG tersebut, diperoleh berdasarkan The GCG self-assessment score was obtained from the analysis of
analisis kesesuaian pelaksanaan penilaian sendiri GCG Bank Victoria the suitability of Bank Victoria’s individual GCG self-assessment
secara individu dengan 3 (tiga) aspek, yaitu governance structure, with 3 (three) aspects, which are governance structure, governance
governance process, dan governance outcome untuk setiap kriteria, process, and governance outcome for each of the criteria,
serta tindak lanjutnya diuraikan sebagai berikut: and the follow-up is described as follows:
Kekuatan (Strength) Penerapan Tata Kelola Bank
The Strength of the Bank’s Governance Implementation
Governance Structure • Bank telah menjalankan struktur GCG sesuai dengan ketentuan Peraturan Otoritas Jasa Keuangan No. 17 Tahun 2023
tentang Tata Kelola yang Baik. Kepatuhan ini tercermin dari kesesuaian komposisi anggota Direksi dan Dewan Komisaris,
serta pembentukan komite-komite Bank (Komite di bawah Komisaris dan Direksi, termasuk Komite Non-Mandatori), guna
memastikan penerapan GCG dalam seluruh kegiatan kegiatan Bank.
• Dewan Komisaris telah melaksanakan tugas pengawasan dengan baik serta memberikan saran dan/atau arahan atas
kebijakan Direksi dalam operasional Bank secara umum yang mengacu kepada rencana bisnis yang telah ditetapkan,
serta memastikan kepatuhan terhadap seluruh peraturan perundang-undangan yang berlaku. Pelaksanaan tugas dan
tanggung jawab Direksi serta Dewan Komisaris telah dipertanggungjawabkan dalam RUPS Tahunan yang diselenggarakan
pada Juni 2024.
• Direksi Bank telah menyusun, menetapkan mengevaluasi, dan memperbarui struktur organisasi dengan kejelasan tugas
dan tanggung jawab terkait penerapan manajemen risiko, yang disesuaikan dengan perkembangan regulasi yang
berlaku, antara lain pemisahan Unit Anti-Fraud dari Unit Internal Audit, serta pembentukan Tim Fungsi Perlindungan
Konsumen guna memastikan kepatuhan terhadap regulasi serta penerapan GCG dan manajemen risiko.
• Bank telah menerapkan prinsip 3 (tiga) lini pertahanan (three lines of defense) dalam sistem pengendalian internal.
Setiap lini pertahanan memiliki tanggung jawab spesifik dalam manajemen dan pengendalian risiko guna memastikan
efektivitas sistem pengelolaan risiko di seluruh aspek operasional Bank.
• The Bank has implemented GCG structure in accordance with the provisions of Financial Services Authority Regulation
No. 17 of 2023 on Good Governance. This compliance is reflected in the appropriate composition of the Board of
Directors and Board of Commissioners, as well as the establishment of Bank committees (Committees under Board of
Commissioners and Board of Directors, including Non-Mandatory Committees), to ensure the implementation of GCG in
all Bank activities.
• The Board of Commissioners has conducted its supervisory duties properly and provided advice and/or direction to
the Board of Directors’ policies in Bank operations in general, referring to the established business plans, and ensured
compliance with all applicable laws and regulations. The implementation of duties and responsibilities of the Board of
Directors and Board of Commissioners has been accounted for at the Annual GMS held in June 2024.
• The Board of Directors of the Bank has prepared, established, evaluated, and updated the organizational structure
with clear duties and responsibilities related to risk management implementation, adjusted to the development of
applicable regulations, including the separation of Anti-Fraud Unit from the Internal Audit Unit, and the establishment of
Consumer Protection Function Team to ensure the compliance with regulations, as well as GCG and risk management
implementation.
• The Bank has implemented the principle of 3 (three) lines of defense in its internal control system. Each line of defense
has specific responsibilities in risk management and control to ensure the effectiveness of risk management system in all
operational aspects of the Bank.
Governance Process • Direksi telah melaksanakan tugas dan tanggung jawabnya sesuai dengan pedoman serta kewenangan yang tercantum
dalam Anggaran Dasar. Dalam menjalankan perannya, termasuk upaya pencapaian target Rencana Bisnis Bank
(RBB), Direksi berpedoman pada peraturan perundang-undangan, Anggaran Dasar, Board of Directors Charter, dan
prinsip-prinsip GCG yang berlaku. Dengan demikian, Direksi memastikan kepatuhan terhadap prinsip kehati-hatian,
ketentuan Batas Maksimum Pemberian Kredit (BMPK), ketentuan pihak terkait, serta aturan lain yang relevan.
• Dewan Komisaris telah menjalankan fungsi pengawasan terhadap kinerja Direksi, baik melalui mekanisme rapat maupun
berdasarkan masukan dari komite, memberikan saran dan/atau arahan secara tertulis.
• Direktur yang membawahi kepatuhan telah memastikan kepatuhan Bank terhadap ketentuan yang berlaku. Pelaksanaan
fungsi kepatuhan, manajemen risiko, internal audit, serta anti-fraud telah berjalan sesuai dengan pedoman internal serta
peraturan perundang-undangan. Hal ini memastikan bahwa Satuan Kerja Manajemen Risiko, Satuan Kerja Kepatuhan,
Unit AML CFT WMD, serta Unit Anti-Fraud menjalankan fungsinya secara independen dan objektif.
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• Bank telah melakukan sosialisasi sejumlah peraturan baru, resosialisasi peraturan yang diperlukan, serta pelaksanaan
Focus Group Discussion (FGD) dengan unit kerja terkait. Selain itu, telah dilakukan refreshment bagi Compliance
Champion sebagai liaison officer divisi dan/atau cabang yang bertugas membantu fungsi kepatuhan dalam sosialisasi
peraturan dan kebijakan di masing-masing unit. Sosialisasi ini telah dilakukan setiap semester selama tahun 2024
dan dinilai cukup efektif dalam meningkatkan pemahaman karyawan terhadap regulasi dan/atau standar operasional
prosedur yang berlaku. Keberhasilan ini tercermin dari hasil pemeriksaan Otoritas Jasa Keuangan Pengawas, di mana
terjadi penurunan jumlah temuan dan/atau aspek yang perlu ditindaklanjuti oleh Bank.
• The Board of Directors has conducted its duties and responsibilities in accordance with the guidelines and authorities
stated in the Articles of Association. In performing its role, including the efforts to achieve the Bank’s Business Plan (RBB)
targets, the Board of Directors is guided by the laws and regulations, Articles of Association, Board of Directors Charter,
and applicable GCG principles. Thus, the Board of Directors ensures its compliance with the principle of prudence,
provision of Legal Lending Limit (LLL), provision of related parties, and other relevant regulations.
• The Board of Commissioners has carried out its supervisory function on the Board of Directors’ performance, either
through meeting mechanism or based on input from the committee, in providing advice and/or direction in writing.
• The Director in charge of compliance has ensured the Bank’s compliance with the applicable regulations.
The implementation of compliance function, risk management, internal audit, and anti-fraud has been carried out in
accordance with internal guidelines and laws and regulations. This ensures that the Risk Management Unit, Compliance
Unit, AML CTF WMD Unit, and Anti-Fraud Unit carry out their functions independently and objectively.
• The Bank has disseminated a number of new regulations, re-disseminated the necessary regulations, and conducted
Focus Group Discussions (FGD) with related units. In addition, refreshment has been provided for Compliance Champions
as liaison officers of division and/or branch in charge of assisting compliance function in disseminating regulations
and policies in each unit. This disseminations were carried out every semester throughout 2024 and were considered
quite effective in increasing employee understanding of applicable regulations and/or standard operating procedures.
This success is reflected in the results of Financial Services Authority Supervisory Audit, in which there was a decrease
in the number of findings and/or aspects needed to be followed up by the Bank.
Governance Outcome • Bank telah melakukan langkah-langkah perbaikan dan evaluasi secara berkesinambungan, yang tercermin dari hasil
pemeriksaan Otoritas Jasa Keuangan periode tahun 2024. Hasil pemeriksaan tersebut menunjukkan perbaikan, antara
lain dengan menurunnya temuan dari Otoritas Jasa Keuangan dibandingkan tahun sebelumnya serta terpenuhinya
Komitmen Hasil Validasi Self-Assessment Perlindungan Konsumen dari Otoritas Jasa Keuangan Market Conduct pada
Desember 2024.
• Dewan Komisaris telah menjalankan tugas pengawasan dengan mengarahkan, memantau, dan mengevaluasi
pelaksanaan kebijakan strategis Bank, termasuk melalui evaluasi RBB serta perencanaan revisi RBB.
• Direksi telah melaksanakan tugas dan tanggung jawabnya dalam mengelola Bank sesuai dengan kewenangan yang
diberikan melalui RUPS dan Anggaran Dasar Perusahaan secara bertanggung jawab. Hal ini dapat dilihat dari hasil
Penilaian Sendiri Tingkat Kesehatan Bank pada Juni 2024, yang memperoleh peringkat 2 (dua) berdasarkan Surat
Otoritas Jasa Keuangan No. SR-207/PB.32/2024 tanggal 26 Oktober 2024.
• Dalam penerapan GCG, Bank telah menindaklanjuti regulasi terbaru dengan langkah-langkah berikut:
› Menyusun recovery plan dan resolution plan sesuai dengan Peraturan Otoritas Jasa Keuangan No. 5 tahun 2024
tentang Penetapan Status Pengawasan dan Penanganan Permasalahan Bank Umum, serta Surat Lembaga Penjamin
Simpanan No. S-231/DKRB/2024 tentang Kewajiban Penyusunan dan Penyampaian Rencana Resolusi Tahun 2024;
› Membentuk Unit Anti-Fraud yang terpisah dari Satuan Kerja Audit Internal serta memperbarui Kebijakan dan Prosedur
Anti-Fraud yang sesuai dengan Peraturan Otoritas Jasa Keuangan No. 12 Tahun 2024;
› Melaporkan Publikasi Suku Bunga Dasar Kredit (SBDK) sesuai dengan Peraturan Otoritas Jasa Keuangan No. 13 tahun
2024; dan
› Menunjuk Fungsi Integritas Pelaporan Keuangan Bank (ICOFR) serta membuat kebijakan dan prosedur sesuai dengan
Peraturan Otoritas Jasa Keuangan No. 15 tahun 2024.
• Bank memastikan bahwa prinsip four eyes principles dan/atau GCG diterapkan dalam seluruh tahapan proses kerja guna
memitigasi potensi pelanggaran, serta terus membangun budaya kepatuhan di seluruh unit kerja.
• The Bank has taken continuous improvement steps and evaluation, as reflected in the results of Financial Services
Authority audit for the 2024 period. The audit results showed improvements, including a decrease in findings from the
Financial Services Authority compared to the previous year, and the fulfillment of Consumer Protection Self-Assessment
Validation Results Commitment from the Financial Services Authority Market Conduct in December 2024.
• The Board of Commissioners has carried out its supervisory duties by directing, monitoring, and evaluating the
implementation of the Bank’s strategic policies, including through evaluating RBB and planning RBB revisions.
• The Board of Directors has conducted its duties and responsibilities in managing the Bank responsibly in accordance
with the authority granted through the GMS and the Company’s Articles of Association. This can be seen from the results
of the Bank’s Sound Level Self-Assessment in June 2024, which received a rating of 2 (two) based on the Financial
Services Authority Letter No. SR-207/PB.32/2024 dated 26 October 2024.
• In implementing GCG, the Bank has followed up on the latest regulations with the following steps:
› Preparing recovery plan and resolution plan according to the Financial Services Authority Regulation No. 5 of 2024 on
Determination of Supervision Status and Handling of Commercial Bank Problems, as well as Deposit Insurance Agency
Letter No. S-231/DKRB/2024 on Obligation to Prepare and Submit Resolution Plan for 2024;
› Establishing Anti-Fraud Unit separated from the Internal Audit Unit and updating the Anti-Fraud Policy and
Procedures in accordance with Financial Services Authority Regulation No. 12 of 2024;
› Reporting the Publication of Prime Lending Rate (SBDK) in accordance with Financial Services Authority Regulation
No. 13 of 2024; and
› Appointing the Bank Financial Reporting Integrity Function (ICOFR) and establishing policies and procedures in
accordance with Financial Services Authority Regulation No. 15 of 2024.
• The Bank ensures that the four eyes principles and/or GCG are implemented in all stages of work process to mitigate
potential violations, and to continue to build a culture of compliance across all work units.
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Tata Kelola Perusahaan
Good Corporate Governance
Kelemahan (Weakness) Penerapan Tata Kelola Bank
The Weakness of the Bank’s Governance Implementation
Governance Structure Memperhatikan Risalah Rapat Exit Meeting PT Bank Victoria International Tbk posisi 30 Juni 2024 yang dilaksanakan pada
28 November 2024 oleh Pengawas Otoritas Jasa Keuangan, serta Risalah Rapat Validasi atas Laporan Hasil Penilaian Sendiri
Tahun 2023 PT Bank Victoria International Tbk pada 12 September 2024 oleh Otoritas Jasa Keuangan Market Conduct,
yang antara lain menyatakan bahwa Bank perlu memastikan seluruh proses operasional perbankan dijalankan secara
konsisten sesuai dengan standar operasional prosedur yang berlaku. Oleh karena itu, Bank harus terus memberikan
pelatihan secara berkesinambungan kepada seluruh sumber daya manusianya.
With due regard to the Minutes of Exit Meeting of PT Bank Victoria International Tbk as of 30 June 2024, held on
28 November 2024 by the Financial Services Authority Supervisor, as well as the Minutes of Validation Meeting on the
2023 Self-Assessment Report of PT Bank Victoria International Tbk on 12 September 2024 by the Financial Services
Authority Market Conduct, which among other things stating that the Bank needs to ensure that all of its banking
operational processes are carried out consistently according to the applicable standard operating procedures. Therefore,
the Bank must continue to provide continuous training to all of its human resources.
Governance Process Pembentukan fungsi baru, yaitu Fungsi Integritas Pelaporan Keuangan Bank (ICOFR), yang dilekatkan pada fungsi
yang sudah ada (Fungsi Anti-Fraud), masih dalam proses. Saat ini, Bank sedang melakukan rekrutmen personel dengan
kompetensi yang sesuai, dengan target penyelesaian pada Mei 2025, merujuk pada Peraturan Otoritas Jasa Keuangan
No. 15 Tahun 2024 tentang Integritas Pelaporan Keuangan Bank Pasal 20 Ayat 2.
The establishment of new function, namely the Bank Financial Reporting Integrity Function (ICOFR), attached to the
existing function (Anti-Fraud Function), is still in process. Currently, the Bank is recruiting personnel with appropriate
competencies, with the target completion by May 2025, referring to Financial Services Authority Regulation No. 15 of 2024
on Integrity of Bank Financial Reporting Article 20 Paragraph 2.
Governance Outcome • Bank menerima sanksi denda dari regulator atas pelanggaran ketentuan, terutama akibat ketidaktelitian dalam pelaporan.
Hal ini disebabkan oleh human error dan/atau inkonsistensi dalam pelaksanaan transaksi sesuai dengan kebijakan
dan/atau prosedur yang berlaku.
• Beberapa kebijakan dan/atau prosedur perlu diperbarui, sehubungan dengan perubahan regulasi yang mendasarinya
dan/atau telah mencapai tenggat waktu untuk ditinjau kembali. Pengkinian terhadap kebijakan dan/atau prosedur
yang ada dilakukan secara bertahap sesuai dengan rencana kerja yang telah disusun, dengan mempertimbangkan
keterbatasan sumber daya manusia yang tersedia.
• The Bank receives fines from regulators for violation of provisions, particularly due to inaccuracy in reporting.
This is due to human error and/or inconsistency in implementing transactions according to the applicable policies
and/or procedures.
• Several policies and/or procedures need to be updated, due to changes in the underlying regulations and/or due
for review. Updating of existing policies and/or procedures is carried out in stages in accordance with the work plan
prepared, with due observance of the limited human resources available.
Rekomendasi dan Tindak Lanjut Penilaian Recommendation and Follow-Up on
GCG GCG Assessment
Berdasarkan hasil penilaian penerapan GCG Bank di tahun The assessment results of the Bank’s GCG implementation in 2024
2024 menghasilkan beberapa rekomendasi regulator yang perlu resulted in several regulatory recommendations to be followed up,
ditindaklanjuti, sebagaimana data sebagai berikut: as shown in the following data:
Rekomendasi Tindak Lanjut
Recommendation Follow-up
Hasil pemeriksaan Otoritas Jasa Keuangan 2024 wajib ditindaklanjuti, Hasil pemeriksaan Otoritas Jasa Keuangan tahun 2023 telah seluruhnya
terutama untuk temuan dengan target date yang telah ditetapkan, telah ditindaklanjuti sesuai target date 2024.
sesuai dengan komitmen Bank kepada Otoritas Jasa Keuangan.
Results of the 2024 Financial Services Authority audit must be followed Results of the 2023 Financial Services Authority audit have been followed up
up, particularly for findings with predetermined target date, in line with completely following the 2024 target date.
the Bank’s commitment to the Financial Services Authority.
Penyampaian laporan wajib menerapkan prinsip yang lengkap, Bank telah menerapkan prinsip lengkap, akurat, dan tepat waktu dalam
akurat, dan tepat waktu. pengiriman laporan dengan menerapkan four eyes principles.
Submission of report must apply the complete, accurate, and on time The Bank has applied the complete, accurate, and on time principles in the
principles. submission of report by applying the four eyes principles.
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Rapat Umum Pemegang Saham
General Meeting of Shareholders
Rapat Umum Pemegang Saham (RUPS) merupakan organ tertinggi The General Meeting of Shareholders (GMS) is the highest organ in
dalam struktur tata kelola Bank. RUPS memiliki wewenang yang tidak the Bank’s governance structure. The GMS has authority not given
diberikan kepada Dewan Komisaris atau Direksi sebagaimana diatur to the Board of Commissioners or Board of Directors as stipulated
dalam peraturan perundang-undangan yang berlaku dan/atau in the applicable laws and/or the Bank’s Articles of Association.
Anggaran Dasar Bank. Bank melaksanakan RUPS Tahunan 1 (satu) The Bank holds Annual GMS once a year and Extraordinary GMS at
kali setiap tahun, dan RUPS Luar Biasa yang dapat diselenggarakan any time as necessary.
sewaktu-waktu berdasarkan kebutuhan.
Informasi Mengenai Keputusan RUPS Information on the 2024 GMS Resolutions
Tahun 2024
Pada tahun 2024, Bank telah menyelenggarakan 1 (satu) kali RUPS In 2024, the Bank held 1 (one) Annual GMS and did not hold
Tahunan dan tidak menyelenggarakan RUPS Luar Biasa. Informasi any Extraordinary GMS. Information related to Annual GMS
terkait penyelenggaraan RUPS Tahunan diungkapkan sebagai implementation is disclosed as follows:
berikut:
RUPS Tahunan 14 Juni 2024
Annual GMS 14 June 2024
Hari/Tanggal Jumat, 14 Juni 2024
Day/Date Friday, 14 June 2024
Waktu
09.30-10.55 WIB
Time
Tempat Graha BIP, Function Hall Lantai 11
Place Jl. Gatot Subroto Kav. 23
Jakarta Selatan / South Jakarta 12930
Kehadiran Dewan Komisaris Komisaris Utama Independen : Zaenal Abidin Ph.D
Attendance of Board of Commissioners Komisaris Independen : Gunawan Tenggarahardja
Komisaris : Sia Leng Ho
Independent President Commissioner : Zaenal Abidin Ph.D
Independent Commissioner : Gunawan Tenggarahardja
Commissioner : Sia Leng Ho
Kehadiran Direksi Direktur Utama : Achmad Friscantono
Attendance of Board of Directors Wakil Direktur Utama : Rusli
Direktur : Lembing
Direktur : Debora Wahjutirto Tanoyo
Direktur Kepatuhan dan Manajemen Risiko : Tamunan
President Director : Achmad Friscantono
Deputy President Director : Rusli
Director : Lembing
Director : Debora Wahjutirto Tanoyo
Director of Compliance and Risk Management : Tamunan
Pemegang Saham RUPS dihadiri oleh Pemegang Saham yang mewakili 13.456.162.514 saham atau 84,90% dari seluruh
Shareholders saham dengan hak suara yang sah yang telah dikeluarkan oleh Bank.
The GMS was attended by Shareholders representing 13,456,162,514 shares or 84.90% of all shares with
valid voting rights issued by the Bank.
Penunjukan Pihak Independen Bank telah menunjuk pihak independen yaitu Notaris Fathiah Helmi, SH, Biro Administrasi Efek yaitu
dalam RUPS Tahunan PT Adimitra Jasa Korpora, dan Kantor Akuntan Publik Purwantono, Sungkoro & Surja untuk melakukan
proses penghitungan suara dan/atau melakukan validasi.
Appointment of Independent Party
at the Annual GMS The Bank has appointed independent parties, namely Notary Fathiah Helmi, SH, Share Registrar Bureau
PT Adimitra Jasa Korpora, and Public Accounting Firm Purwantono, Sungkoro & Surja to count and/or
validate votes.
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Tata Kelola Perusahaan
Good Corporate Governance
Hasil Keputusan RUPS Tahunan 14 Juni 2024
Resolutions of Annual GMS 14 June 2024
Keputusan Realisasi Pengambilan Suara
Resolutions Realization Voting
Menyetujui Laporan Tahunan Perseroan termasuk Laporan Telah direalisasikan sepenuhnya. Setuju : 13.453.220.214 saham
Direksi, pengesahan Laporan Keuangan Tahunan, serta Laporan Tidak Setuju : -
Tugas Pengawasan Dewan Komisaris pada tanggal 31 Desember Abstain : 2.942. 300 saham
2023.
Approved the Company’s Annual Report including the Board of Fully realized. Agree : 13,453,220,214 shares
Directors’ Report, validation of the Annual Financial Statements, Disagree :-
as well as the Board of Commissioners’ Supervisory Report on Abstain : 2,942,300 shares
31 December 2023.
Menyetujui penetapan penggunaan laba bersih Bank untuk Telah direalisasikan sepenuhnya. Setuju : 13.453.220.214 saham
tahun buku yang berakhir pada tanggal 31 Desember 2023. Tidak Setuju : -
Abstain : 2.942. 300 saham
Approved the determination of the use of the Bank’s net income Fully realized. Agree : 13,453,220,214 shares
for the fiscal year ending 31 December 2023. Disagree :-
Abstain : 2,942,300 shares
Menyetujui pemberian kuasa dan wewenang kepada wakil Telah direalisasikan sepenuhnya. Setuju : 13.452.916.214 saham
Pemegang Saham untuk menetapkan besarnya honorarium Tidak Setuju : 304.000 saham
anggota Dewan Komisaris serta memberi kuasa dan wewenang Abstain : 2.942. 300 saham
kepada Dewan Komisaris untuk menetapkan pembagian tugas
dan wewenang anggota Direksi serta besarnya gaji dan tunjangan
para anggota Direksi.
Approved to grant power and authority to representatives of Fully realized. Agree : 13,452,916,214 shares
Shareholders to determine the honorarium amount for members Disagree : 304,000 shares
of the Board of Commissioners and to grant power and authority Abstain : 2,942,300 shares
to the Board of Commissioners to determine the division of duties
and authorities of members of the Board of Directors and the
amount of salary and allowances for members of the Board of
Directors.
Menyetujui menunjuk akuntan publik untuk mengaudit Laporan Telah direalisasikan sepenuhnya. Setuju : 13.453.220.214 saham
Keuangan Bank untuk tahun buku 2024 dan memberikan kuasa Tidak Setuju : -
kepada Dewan Komisaris untuk menetapkan honorarium akuntan Abstain : 2.942. 300 saham
publik tersebut serta persyaratan lain penunjukannya.
Approved to appoint a public accountant to audit the Bank’s Fully realized. Agree : 13,453,220,214 shares
Financial Statements for the 2024 fiscal year and granted Disagree :-
authorities to the Board of Commissioners to determine the Abstain : 2,942,300 shares
honorarium for public accountant and other requirements for the
appointment.
Menyetujui pembatalan perubahan pengurus yang telah Telah direalisasikan sepenuhnya. Setuju : 13.453.216.214 saham
diputuskan pada RUPS Tahunan Perseroan tanggal 26 Mei 2023. Tidak Setuju : -
Abstain : 2.946. 300 saham
Approved to cancel the changes to the management resolved at Fully realized. Agree : 13,453,216,214 shares
the Company’s Annual GMS on 26 May 2023. Disagree :-
Abstain : 2,946,300 shares
Menyetujui Laporan Realisasi Penggunaan Dana Hasil Exercise Telah direalisasikan sepenuhnya. Tidak dilakukan pengambilan keputusan
Waran Seri VII. karena agenda bersifat laporan.
Approved the Report on the Realization of the Use of Proceeds Fully realized. No resolution was adopted due to this agenda
from Exercise of Series VII Warrants. item only referred to a report.
Menyetujui perubahan Anggaran Dasar Perseroan di antaranya Telah direalisasikan sepenuhnya. Setuju : 13.453.216.214 saham
dalam rangka penyesuaian atas diterbitkannya Peraturan Otoritas Tidak Setuju : 4.000 saham
Jasa Keuangan No. 17 Tahun 2023. Abstain : 2.942. 300 saham
Approved the amendment to the Company’s Articles of Fully realized. Agree : 13,453,216,214 shares
Association, including in order to comply with the issuance of Disagree : 4,000 shares
Financial Services Authority Regulation No. 17 of 2023. Abstain : 2,942,300 shares
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Informasi dan Realisasi Mengenai Information and Realization of
Keputusan RUPS Tahunan 2023 the 2023 Annual GMS Resolutions
Pada tahun 2023, Bank telah menyelenggarakan 1 (satu) kali RUPS In 2023, the Bank held 1 (one) Annual GMS on 26 May 2023 and
Tahunan pada 26 Mei 2023 dan tidak menyelenggarakan RUPS Luar did not hold any Extraordinary GMS. The GMS was held at Graha
Biasa. RUPS dilaksanakan di Graha BIP, Function Hall Lantai 11, Jl. Gatot BIP, Function Hall, 11th Floor, Jl. Gatot Subroto Kav. 23, South
Subroto Kav. 23, Jakarta Selatan 12930. Pengambilan keputusan dalam Jakarta 12930. Resolution adoption in the GMS is conducted by
RUPS dilakukan dengan cara musyawarah untuk mufakat, apabila way of deliberation to reach consensus, in the event deliberation
musyawarah untuk mufakat tidak tercapai, maka dilakukan pemungutan to reach the consensus is not reached, then voting is conducted.
suara. Adapun pihak independen yang ditunjuk untuk melakukan The independent parties appointed to count the votes are
perhitungan suara adalah Biro Administrasi Efek dan Notaris. the Share Registrar Bureau and Notary.
Keputusan RUPS Tahunan 2023 beserta realisasinya diuraikan The 2023 Annual GMS resolutions and their realization are outlined
sebagai berikut: as follows:
Keputusan Realisasi
Resolutions Realization
Menyetujui Laporan Tahunan Perseroan termasuk Laporan Direksi, pengesahan Laporan Keuangan Telah direalisasikan sepenuhnya.
Tahunan, serta Laporan Tugas Pengawasan Dewan Komisaris pada tanggal 31 Desember 2022.
Approved the Company’s Annual Report including the Board of Directors’ Report, validation of the Annual Fully realized.
Financial Statements, as well as the Board of Commissioners’ Supervisory Report on 31 December 2022.
Menyetujui penetapan penggunaan laba bersih Bank untuk tahun buku yang berakhir pada tanggal Telah direalisasikan sepenuhnya.
31 Desember 2022.
Approved the determination of the use of the Bank’s net income for the fiscal year ending 31 December 2022. Fully realized.
Menyetujui pemberian kuasa dan wewenang kepada wakil Pemegang Saham untuk menetapkan besarnya Telah direalisasikan sepenuhnya.
honorarium anggota Dewan Komisaris serta memberi kuasa dan wewenang kepada Dewan Komisaris untuk
menetapkan pembagian tugas dan wewenang anggota Direksi serta besarnya gaji dan tunjangan para
anggota Direksi.
Approved to grant power and authority to representatives of Shareholders to determine the honorarium Fully realized.
amount for members of the Board of Commissioners and to grant power and authority to the Board of
Commissioners to determine the division of duties and authorities of members of the Board of Directors and
the amount of salary and allowances for members of the Board of Directors.
Menyetujui menunjuk akuntan publik untuk mengaudit Laporan Keuangan Bank untuk tahun buku 2023 Telah direalisasikan sepenuhnya.
dan memberikan kuasa kepada Dewan Komisaris untuk menetapkan honorarium akuntan publik tersebut
serta persyaratan lain penunjukannya.
Approved to appoint a public accountant to audit the Bank’s Financial Statements for the 2023 fiscal Fully realized.
year and granted authorities to the Board of Commissioners to determine the honorarium for a public
accountant and other requirements for the appointment.
Menyetujui perubahan Pasal 17 ayat (9) huruf b dan Pasal 23 ayat (5) Anggaran Dasar Perseroan. Telah direalisasikan sepenuhnya.
Approved the amendments to Article 17 paragraph (9) letter b and Article 23 paragraph (5) of the Company’s Fully realized.
Articles of Association.
Menyetujui Laporan Realisasi Penggunaan Dana Penambahan Modal dengan Memberikan Hak Memesan Telah direalisasikan sepenuhnya.
Efek Terlebih Dahulu VI, Penambahan Modal dengan Memberikan Hak Memesan Efek Terlebih Dahulu VII,
dan Penawaran Umum Berkelanjutan Obligasi III tahap I Tahun 2023.
Approved the Report on the Realization of the Use of Proceeds from Capital Increase with Pre-emptive Fully realized.
Rights VI, Capital Increase with Pre-emptive Rights VII, and Continuous Public Offering of Bonds III
phase I Year 2023.
Menyetujui perubahan susunan pengurus Perseroan. Telah direalisasikan sepenuhnya.
Approved changes to the composition of the Company’s management. Fully realized.
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Tata Kelola Perusahaan
Good Corporate Governance
Dewan Komisaris
Board of Commissioners
Dewan Komisaris merupakan organ Bank yang menjalankan tugas The Board of Commissioners is the Bank’s organ that carries out
dan tanggung jawab untuk mengawasi dan memberikan nasihat duties and responsibilities to supervise and provide advices to the
kepada Direksi, serta memastikan Bank telah menerapkan GCG Board of Directors and ensures that the Bank has implemented
secara menyeluruh. GCG comprehensively.
Pedoman Dewan Komisaris Board of Commissioners Charter
Pedoman kerja Dewan Komisaris tertuang dalam Board of The Board of Commissioners’ work guideline is set out in the Board
Commissioners Charter (BOC Charter) yang telah dimutakhirkan of Commissioners Charter (BOC Charter) which has been updated
berdasarkan Keputusan Dewan Komisaris No. 001/SK-KOM/12/23 based on Board of Commissioners’ Decision No. 001/SK-KOM/12/23
tanggal 6 Desember 2023. dated 6 December 2023.
Ruang Lingkup Pekerjaan dan Scope of Work and Responsibilities of Each
Tanggung Jawab Masing-Masing Member of the Board of Commissioners
Anggota Dewan Komisaris
Ruang lingkup tugas dan tanggung jawab masing-masing anggota The scope of duties and responsibilities of each member of the Board
Dewan Komisaris berdasarkan Keputusan Dewan Komisaris of Commissioners, based on the Board of Commissioners’ Decision
No. 002/SK-KOM/10/24 tanggal 2 Oktober 2024 tentang Pembagian No. 002/SK-KOM/10/24 dated 2 October 2024 on Distribution of
Tugas dan Wewenang Anggota Board of Commissioners, diuraikan Duties and Authorities of the Board of Commissioners’ Members,
sebagai berikut: is described as follows:
Nama dan Jabatan Tugas dan Tanggung Jawab
Name and Position Duties and Responsibilities
Zaenal Abidin Ph.D • Melakukan koordinasi dan memberikan pengarahan • Coordinating and providing direction to the Board of
Komisaris Utama Independen kepada anggota Dewan Komisaris; Commissioners’ members;
Independent President • Mengoordinasikan pengawasan yang dilakukan oleh • Coordinating the supervision carried out by the Board of
Commissioner anggota Dewan Komisaris sesuai dengan bidangnya Commissioners’ members according to their respective
masing-masing; fields;
• Menyelenggarakan dan memimpin: • Organizing and leading:
› Rapat internal Dewan Komisaris; dan › Board of Commissioners internal meeting; and
› Rapat gabungan Dewan Komisaris dan Direksi guna › Joint meetings of the Board of Commissioners and
membahas dan mengevaluasi perkembangan laporan Board of Directors to discuss and evaluate the progress
kinerja Direksi; of the Board of Directors’ performance reports;
• Melakukan pengawasan kegiatan pada bidang-bidang: • Supervising activities in the following areas:
› Good Corporate Governance; › Good Corporate Governance;
› Compliance, System Procedure & Customer Protection; › Compliance, System Procedure & Customer Protection;
› Risk Management/Integrated; › Risk Management/Integrated;
› SKAl; › SKAl;
› Anti-Fraud; dan › Anti-Fraud; and
› AML, CTF & WMD; › AML, CTF & WMD;
• Melakukan pengawasan kegiatan bidang Internal Audit; • Supervising activities in Internal Audit areas;
• Memberikan tugas lain kepada anggota Dewan Komisaris; • Giving other duties to the Board of Commissioners’
members;
• Membuat konsep memorandum kepada Direksi berkaitan • Creating a draft of memorandum to the Board of Directors
dengan pengawasan dan pembinaan bidangnya; relating to the field supervision and development;
• Mengambil alih tugas Komisaris lainnya apabila yang • Taking over the duties of other Commissioners in the
bersangkutan berhalangan; serta event the person concerned is absent; and
• Memimpin rapat gabungan antara Direksi dan • Leading joint meetings between the Board of Directors
Dewan Komisaris. and Board of Commissioners.
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Nama dan Jabatan Tugas dan Tanggung Jawab
Name and Position Duties and Responsibilities
Gunawan Tenggarahardja • Melakukan pengawasan kegiatan bidang-bidang: • Supervising activities in the following areas:
Komisaris Independen › Information Technology; › Information Technology;
Independent Commissioner › Operations; › Operations;
› Human Capital Management & General Affair; › Human Capital Management & General Affair;
› Corporate Legal; › Corporate Legal;
› Credit Legal; › Credit Legal;
› Change Management Office; dan › Change Management Office; and
› Marketing Communication, Product & Digital Marketing; › Marketing Communication, Product & Digital Marketing;
• Membahas permasalahan-permasalahan bidang yang • Discussing issues in the areas under their supervision;
berada di bawah pengawasannya;
• Membantu mempersiapkan penyusunan laporan bagi • Assisting the preparation of reports for the Financial
Otoritas Jasa Keuangan pada setiap akhir semester, Services Authority at the end of each semester,
khususnya mengenai bidang-bidang yang berada di bawah particularly regarding the fields under their supervision;
pengawasannya;
• Membuat konsep memorandum kepada Direksi berkaitan • Creating a draft of memorandum to the Board of Directors
dengan pengawasan dan pembinaan bidangnya; serta relating to the field supervision and development; and
• Mewakili tugas Komisaris Utama dan Komisaris lainnya, • Representing the duties of the President Commissioner
apabila yang bersangkutan berhalangan. and other Commissioners, in the event the person
concerned cannot attend the meeting.
Sia Leng Ho • Melakukan pengawasan kegiatan bidang-bidang: • Supervising activities in the following areas:
Komisaris › Commercial; Consumer; SME; › Commercial; Consumer; SME;
Commissioner › Branch Banking Network; › Branch Banking Network;
› Finance & Accounting; › Finance & Accounting;
› Loan & Trade Operations; › Loan & Trade Operations;
› Treasury & International Banking; › Treasury & International Banking;
› Credit Monitoring & Collection; › Credit Monitoring & Collection;
› Credit Risk Review; dan › Credit Risk Review; and
› Special Asset Management; › Special Asset Management;
• Membahas permasalahan-permasalahan bidang yang • Discussing issues in the areas under their supervision;
berada di bawah pengawasannya;
• Membantu mempersiapkan penyusunan laporan bagi • Assisting the preparation of reports for the Financial
Otoritas Jasa Keuangan pada setiap akhir semester, Services Authority at the end of each semester,
khususnya mengenai bidang-bidang yang berada particularly regarding the fields under their supervision;
di bawah pengawasannya;
• Membuat konsep memorandum kepada Direksi berkaitan • Creating a draft of memorandum to the Board of Directors
dengan pengawasan dan pembinaan bidangnya; serta relating to the field supervision and development; and
• Mewakili tugas Komisaris Utama dan Komisaris lainnya, • Representing the duties of the President Commissioner
apabila yang bersangkutan berhalangan. and other Commissioners, in the event the person
concerned cannot attend the meeting.
Wewenang Dewan Komisaris Authority of the Board of Commissioners
Wewenang Dewan Komisaris Bank dalam menjalankan tugas dan The authority of the Bank’s Board of Commissioners in performing
tanggung jawabnya diuraikan sebagai berikut: its duties and responsibilities is described as follows:
1. Dewan Komisaris dengan suara terbanyak setiap waktu berhak 1. The Board of Commissioners with the most vote, at all times,
memberhentikan untuk sementara waktu seorang atau lebih has the rights to suspend one or more members of the Board of
anggota Direksi, jika bertindak bertentangan dengan Anggaran Directors, if acting on the contrary to the Articles of Association
Dasar serta peraturan lainnya atau melalaikan kewajibannya and other regulations or neglecting the obligations or there
atau terdapat alasan yang mendesak bagi Bank, termasuk is an urgent reason for the Bank, including in the case of the
dalam hal Direksi sakit dan tidak dapat menjalankan tugas. Board of Directors being sick and unable to perform the duties.
Dalam jangka waktu paling lambat 30 hari setelah tanggal Within the period of no more than 30 days after the suspension
pemberhentian sementara harus diselenggarakan RUPS; date, a GMS must be held;
2. Dalam hal jabatan salah seorang anggota Direksi kosong, baik 2. In the event that one position of Board of Directors is vacant,
mengundurkan diri maupun diberhentikan dan penggantinya either due to resignation or dismissal, and no successor available
belum ada atau belum memangku jabatannya, maka Dewan or has assumed the position, the Board of Commissioners is
Komisaris berwenang menunjuk salah seorang anggota Direksi authorized to appoint a member of the Board of Directors to
untuk menjalankan pekerjaan anggota Direksi lainnya yang carry out the work of the other vacant position of the Board
kosong tersebut dengan kekuasaan dan wewenang yang sama of Directors with equal power and authority, and this Director
dan Direktur tersebut dapat bertindak untuk dan atas nama may act for and on behalf of the Board of Directors and appoint
Direksi serta menunjuk pihak lain untuk mewakili Bank dalam other party to represent the Bank in the event of a conflict of
hal terjadi benturan kepentingan Bank dengan kepentingan interest of the Bank with the interest of all members of the
semua anggota Direksi; Board of Directors;
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Tata Kelola Perusahaan
Good Corporate Governance
3. Menetapkan komposisi Direksi berdasarkan kewenangan yang 3. Determining the composition of the Board of Directors based
dilimpahkan oleh RUPS; on the authority delegated by the GMS;
4. Mendapatkan informasi dari Direksi Entitas Anak terkait dengan 4. Obtaining information from the Board of Directors of a
kondisi Entitas Anak; dan Subsidiary related to the Subsidiary condition; and
5. Menyetujui atau menolak secara tertulis tindakan-tindakan 5. Approving or rejecting in writing the actions of the Board of
yang dilakukan Direksi seperti yang tercantum dalam Directors as stated in the BOC Charter.
BOC Charter.
‘
Jumlah, Komposisi, dan Independensi Number, Composition, and Independence of
Dewan Komisaris the Board of Commissioners
Jumlah dan Komposisi Number and Composition
Bank wajib memiliki anggota Dewan Komisaris paling sedikit The Bank shall have at least 3 (three) members of Board of
3 (tiga) orang anggota yang diangkat oleh RUPS untuk jangka waktu Commissioners, appointed by the GMS for a period of 3 (three)
3 (tiga) tahun serta dapat diangkat kembali untuk periode berikutnya. years and can be reappointed for the following period. The following
Berikut komposisi Dewan Komisaris Bank pada tahun 2024: is the composition of the Bank’s Board of Commissioners in 2024:
Nama Jabatan Dasar Hukum Pengangkatan dan Masa Jabatan
Name Position Legal Basis of Appointment and Term of Office
Komisaris Utama Independen Keputusan RUPS Tahunan tanggal 3 Juni 2022 (2022-2025).
Zaenal Abidin Ph.D
Independent President Commissioner Annual GMS Resolution dated 3 June 2022 (2022-2025).
Komisaris Independen Keputusan RUPS Tahunan tanggal 3 Juni 2022 (2022-2025).
Gunawan Tenggarahardja
Independent Commissioner Annual GMS Resolution dated 3 June 2022 (2022-2025).
Komisaris Keputusan RUPS Luar Biasa tanggal 10 Agustus 2022 (2022-2025).
Sia Leng Ho
Commissioner Extraordinary GMS Resolutions dated 10 August 2022 (2022-2025).
Independensi Independence
Seluruh anggota Dewan Komisaris senantiasa mengedepankan All members of the Board of Commissioners always prioritize
prinsip independensi dalam setiap pelaksanaan tugas dan tanggung independence principle in every implementation of their duties and
jawabnya demi menjamin tidak terjadinya hal-hal yang berpotensi responsibilities to ensure that there are no potential conflicts of
menimbulkan benturan kepentingan dan kerugian bagi Bank. interest nor losses for the Bank.
Penilaian Kemampuan dan Fit and Proper Test for
Kepatutan Dewan Komisaris the Board of Commissioners
Pada tahun 2024, seluruh anggota Dewan Komisaris Bank telah In 2024, all members of the Bank’s Board of Commissioners fulfilled
memenuhi syarat dan lulus uji kemampuan serta kepatutan the requirements and passed the fit and proper test as required in
sebagaimana yang disyaratkan dalam Peraturan Otoritas Jasa the Financial Services Authority Regulation No. 27/POJK.03/2016
Keuangan No. 27/POJK.03/2016 tentang Penilaian Kemampuan on the Fit and Proper Test for Key Parties of Financial Services
dan Kepatutan Pihak Utama Lembaga Jasa Keuangan. Informasi Institutions. This information is presented in the profile of each
tersebut telah disampaikan dalam profil masing-masing anggota Board of Commissioners’ member in the Company Profile chapter.
Dewan Komisaris pada bab Profil Perusahaan.
Komisaris Independen Independent Commissioner
Sesuai ketentuan Peraturan Otoritas Jasa Keuangan No. 17 Tahun 2023 Pursuant to the Financial Services Authority Regulation
tentang Penerapan Tata Kelola bagi Bank Umum, minimal 50% dari No. 17 of 2023 on Governance Implementation for Commercial
anggota Dewan Komisaris adalah Komisaris Independen. Pada tahun Banks, the Board of Commissioners shall have at least 50%
2024, Bank memiliki 2 (dua) Komisaris Independen atau 66,67% dari members of Independent Commissioners. In 2024, the Bank had
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total 3 (tiga) anggota Dewan Komisaris. Seluruh anggota Komisaris 2 (two) Independent Commissioners or 66.67% of the total 3 (three)
Independen telah memenuhi persyaratan sebagai berikut: members of the Board of Commissioners. All members of the
Independent Commissioners have met the following requirements:
1. Bukan merupakan orang yang bekerja atau mempunyai 1. Not being employed nor having the authority and responsibility
wewenang dan tanggung jawab untuk merencanakan, memimpin, to plan, lead, control, or supervise the Bank’s activities within
mengendalikan, atau mengawasi kegiatan Bank dalam waktu the last 6 (six) months, except for reappointment as the Bank’s
6 (enam) bulan terakhir, kecuali untuk pengangkatan kembali Independent Commissioner in the next period;
sebagai Komisaris lndependen Bank pada periode berikutnya;
2. Tidak mempunyai saham baik langsung maupun tidak langsung 2. Not possessing any shares in the Bank, either directly or
pada Bank; indirectly;
3. Tidak mempunyai hubungan afiliasi dengan Bank, anggota 3. Not having affiliation relationship with the Bank, members of
Dewan Komisaris, anggota Direksi atau Pemegang Saham Board of Commissioners, members of Board of Directors, or the
Utama Bank; dan Bank’s Main Shareholders; and
4. Tidak mempunyai hubungan usaha baik langsung maupun tidak 4. Not having business relationship, either directly or indirectly,
langsung yang berkaitan dengan kegiatan usaha Bank tersebut. that are related to the Bank’s business activities.
Pernyataan Independensi Statement of Independency
Komisaris Independen Bank telah menandatangani Surat The Bank’s Independent Commissioners have signed a Statement of
Pernyataan Independensi dan lulus uji kemampuan dan kepatutan Independence and passed the fit and proper test as Independent
sebagai Komisaris Independen, sesuai dengan ketentuan yang Commissioners, in accordance with the provisions stipulated by
ditetapkan oleh Otoritas Jasa Keuangan. the Financial Services Authority.
Rapat Dewan Komisaris Board of Commissioners’ Meetings
Kebijakan Rapat Dewan Komisaris Board of Commissioners’ Meeting Policy
Selain keharusan untuk menghadiri RUPS, Dewan Komisaris juga In addition to the requirement to attend the GMS, the Board of
wajib mengadakan rapat internal paling sedikit 1 (satu) kali dalam Commissioners is also required to hold internal meetings at least
2 (dua) bulan dan rapat dengan Direksi paling sedikit 1 (satu) kali once every 2 (two) months and meetings with the Board of Directors
dalam 4 (empat) bulan. Teknis pelaksanaan rapat dapat dilakukan at least once every 4 (four) months. Technically, the meeting can be
secara langsung maupun secara teleconference dengan tetap conducted in person or via teleconference while still considering
memperhatikan keabsahan pengambilan keputusan. the validity of decision making.
Frekuensi Kehadiran Rapat Dewan Komisaris Board of Commissioners’ Frequency of
[G-02] Attendance in Meetings [G-02]
Selama tahun 2024, Dewan Komisaris telah melaksanakan rapat Throughout 2024, the Board of Commissioners held meetings with
dengan rincian kehadiran masing-masing anggota sebagai berikut: details of each member’s attendance as follows:
Rapat Internal Dewan Komisaris Rapat Gabungan dengan Direksi
Board of Commissioners Internal Meeting Joint Meeting with Board of Directors
Nama Jabatan Tingkat Tingkat
Total Total
Name Position Total Rapat Kehadiran Total Rapat Kehadiran
Kehadiran Kehadiran
Total Attendance Total Attendance
Total Total
Meetings Rate Meetings Rate
Attendance Attendance
(%) (%)
Komisaris Utama Independen
Zaenal Abidin Ph.D Independent President 7 7 100.00 8 8 100.00
Commissioner
Gunawan Komisaris Independen
7 7 100.00 8 8 100.00
Tenggarahardja Independent Commissioner
Komisaris
Sia Leng Ho 7 7 100.00 8 8 100.00
Commissioner
Rata-Rata Kehadiran (%)
100.00 100.00
Average Attendance (%)
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Tata Kelola Perusahaan
Good Corporate Governance
Kehadiran Dewan Komisaris dalam RUPS tercantum pada bagian The attendance of the Board of Commissioners at GMS is stated in
yang membahas Rapat Umum Pemegang Saham. the section that discusses General Meeting of Shareholders.
Agenda Rapat Internal Dewan Komisaris Agenda of Board of Commissioners’ Internal Meeting
Agenda yang dibahas dalam rapat internal Dewan Komisaris The agenda discussed in the internal meeting of Board of
meliputi: Commissioners covers:
1. Penyesuaian tugas dan wewenang Direksi sesuai dengan 1. Adjustment of duties and authorities of Board of Directors in
Peraturan Otoritas Jasa Keuangan No. 17 Tahun 2023 tentang accordance with Financial Services Authority Regulation No. 17
Penetapan Tata Kelola Bagi Bank Umum; of 2023 on Determination of Governance for Commercial Banks;
2. Perubahan struktur keanggotaan Komite Pemantau Risiko; 2. Changes in the structure of Risk Monitoring Committee;
3. Rencana Revisi RBB Tahun 2024-2026; 3. Revision Plan for the 2024-2026 RBB;
4. Laporan Direktur Kepatuhan untuk Semester I Tahun 2024; 4. Compliance Director’s Report for Semester I of 2024;
5. Laporan Tingkat Kesehatan Bank untuk Semester I Tahun 2024; 5. Bank Sound Level Report for Semester I of 2024;
6. Pembahasan Otoritas Jasa Keuangan No. 3 Tahun 2023 dan 6. Discussion of Financial Services Authority No. 3 of 2023 and
Peraturan Otoritas Jasa Keuangan No. 22 Tahun 2023; Financial Services Authority Regulation No. 22 of 2023;
7. Implementasi Undang-Undang No. 27 Tahun 2022 tentang 7. Implementation of Law No. 27 of 2022 on Personal Data
Perlindungan Data Pribadi (PDP); dan Protection (PDP); and
8. Rencana Kerja Dewan Komisaris Tahun 2025. 8. Board of Commissioners’ Work Plan for 2025.
Agenda Rapat Gabungan dengan Direksi Agenda of Joint Meeting with Board of Directors
Agenda yang dibahas dalam rapat gabungan Dewan Komisaris The agenda discussed in the joint meeting of Board of Commissioners
dengan Direksi meliputi: with the Board of Directors covers:
1. Rencana strategis Bank; 1. Bank’s strategic plan;
2. Rencana kerja tahun 2024; 2. 2024 work plan;
3. Evaluasi kinerja Bank Victoria per 31 Desember 2023 3. Evaluation of Bank Victoria’s performance as of 31 December
dibandingkan dengan target RBB 2023-2025; 2023 compared to the 2023-2025 RBB target;
4. Evaluasi kinerja Bank Victoria per 31 Januari 2024 dibandingkan 4. Evaluation of Bank Victoria’s performance as of 31 January 2024
dengan target RBB 2024-2026; compared to the 2024-2026 RBB target;
5. Evaluasi kinerja Bank Victoria per 31 Maret 2024 dibandingkan 5. Evaluation of Bank Victoria’s performance as of 31 March 2024
dengan target RBB 2024-2026; compared to the 2024-2026 RBB target;
6. Evaluasi kinerja Bank Victoria per 31 Mei 2024 dan proyeksi per 6. Evaluation of Bank Victoria’s performance as of 31 May 2024
30 Juni 2024; and projections as of 30 June 2024;
7. Evaluasi kinerja Bank Victoria per 31 Juli 2024 dan proyeksi per 7. Evaluation of Bank Victoria’s performance as of 31 July 2024
31 Agustus 2024; and projections as of 31 August 2024;
8. Evaluasi kinerja Bank Victoria per 30 September 2024 dan 8. Evaluation of Bank Victoria’s performance as of 30 September
target per 30 September 2024; 2024 and targets as of 30 September 2024;
9. Evaluasi kinerja keuangan RBB 2025-2027; dan 9. Evaluation of the 2025-2027 RBB financial performance; and
10. Hal-hal penting lainnya yang perlu dibahas dalam rapat 10. Other important matters that need to be discussed in the joint
gabungan. meeting.
Persetujuan dan Rekomendasi Board of Commissioners’ Approvals
Dewan Komisaris and Recommendations
Berdasarkan Peraturan Otoritas Jasa Keuangan Pursuant to the Financial Services Authority Regulation
No. 55/POJK.03/2016 dan Peraturan Otoritas Jasa Keuangan No. 55/POJK.03/2016 and Financial Services Authority Regulation
No. 17 Tahun 2023, ketentuan keputusan yang perlu mendapat No. 17 of 2023, the provisions on decisions that require the Board of
persetujuan Dewan Komisaris sebagai berikut: Commissioners’ approval are as follows:
1. Dewan Komisaris dilarang untuk ikut serta dalam pengambilan 1. The Board of Commissioners is prohibited from taking part in
keputusan untuk kegiatan operasional Bank, kecuali: decision making for the Bank’s operational activities, unless:
a. Penyediaan dana kepada pihak terkait sebagaimana diatur a. Provision of fund to related party as stipulated in the
dalam ketentuan mengenai batas maksimum pemberian provisions regarding legal lending limit for commercial
kredit bank umum; dan bank; and
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b. Hal-hal lain yang ditetapkan dalam Anggaran Dasar Bank b. Other matters specified in the Bank’s Articles of Association
atau peraturan perundang-undangan yang berlaku; or in the applicable laws and regulations;
2. Pengambilan keputusan kegiatan operasional Bank oleh 2. Decision making on Bank operational activities by the Board
Dewan Komisaris sebagaimana dimaksud di atas merupakan of Commissioners as referred to in the above is part of the
bagian dari tugas pengawasan oleh Dewan Komisaris sehingga supervisory function of the Board of Commissioners and
tidak meniadakan tanggung jawab Direksi atas pelaksanaan does not negate the Board of Directors’ responsibility for the
kepengurusan Bank. implementation of Bank management.
Sepanjang tahun 2024, Dewan Komisaris telah mengeluarkan Throughout 2024, the Board of Commissioners issued 17 (seventeen)
17 (tujuh belas) persetujuan dan rekomendasi mencakup approvals and recommendations covering various important
berbagai aspek penting dalam pengelolaan Bank. Beberapa di aspects in the management of the Bank. Some of these included
antaranya meliputi arahan hasil penelaahan terhadap Laporan directives on the review results of Annual Financial Statements
Keuangan Tahunan dan pengendalian internal, pembagian tugas and internal control, division of duties and authorities of Board of
serta wewenang anggota Direksi, serta hasil evaluasi terhadap Directors’ members, and evaluation results of the Bank’s sound
laporan tingkat kesehatan Bank. Selain itu, Dewan Komisaris juga level report. In addition, the Board of Commissioners also provided
memberikan arahan terkait hasil penelaahan Laporan Direktur directives related to the review results of Compliance and Risk
Kepatuhan dan Manajemen Risiko, Laporan Hasil Pemeriksaan SKAI, Management Director’s Report, SKAI Audit Result Report, and Risk
serta Laporan Profil Risiko. Profile Report.
Dalam aspek tata kelola, Dewan Komisaris turut memberikan In terms of governance, the Board of Commissioners also provided
rekomendasi mengenai kebijakan kompensasi, serta persetujuan recommendations on compensation policy, as well as approval for
atas penunjukan kantor akuntan publik dan/atau akuntan the appointment of public accounting firm and/or public accountant.
publik. Selain itu, Dewan Komisaris juga menelaah temuan hasil Furthermore, the Board of Commissioners also reviewed the findings
pemeriksaan Otoritas Jasa Keuangan tahun 2024 dan memberikan of Financial Services Authority’s audit results in 2024 and provided
arahan terkait langkah-langkah perbaikannya. Sebagai bagian dari directives regarding their corrective measures. As part of planning
perencanaan tahun berikutnya, Dewan Komisaris juga menyusun for the following year, the Board of Commissioners also prepared
jadwal rapat Dewan Komisaris dan Direksi untuk tahun 2025 guna the schedule for the Board of Commissioners and Board of Directors
memastikan kelancaran koordinasi dan pengawasan terhadap meetings for 2025 to ensure smooth coordination and supervision
kebijakan strategis Bank. of the Bank’s strategic policies.
Selain memberikan rekomendasi atas penunjukan akuntan publik/kantor In addition to providing recommendations on the appointment of
akuntan publik untuk melakukan audit atas laporan keuangan historis public accountant/public accounting firm to audit Bank Victoria’s
tahunan Bank Victoria untuk tahun buku yang berakhir pada 31 Desember annual historical financial statements for the fiscal year ended
2024, Dewan Komisaris juga memberikan arahan kepada Direksi dengan on 31 December 2024, the Board of Commissioners also provided
mengeluarkan 5 (lima) memorandum. Arahan tersebut mencakup direction to the Board of Directors by issuing 5 (five) memoranda.
hasil penelaahan terhadap laporan keuangan serta pengendalian The direction included the review results of financial statements
internal sepanjang tahun 2024, dengan rincian sebagai berikut: and internal controls throughout 2024, with the following details:
1. Direksi diinstruksikan untuk mengevaluasi capaian kinerja serta 1. The Board of Directors is instructed to evaluate performance
mengoptimalkan strategi dan upaya dalam pencapaian RBB achievements and optimize strategies and efforts in achieving
secara lebih efektif dan efisien; RBB more effectively and efficiently;
2. Kantor cabang diinstruksikan untuk meningkatkan kinerja 2. Branch offices are instructed to improve financial performance
keuangan dengan mengurangi ketergantungan pada deposito by reducing dependence on core deposits through expanding
inti melalui perluasan basis nasabah serta peningkatan proporsi customer base and increasing proportion of Current Account
Current Account Savings Account (CASA) guna menekan biaya Savings Accounts (CASA) to reduce high funding costs;
dana yang tinggi;
3. Pemeliharaan terhadap rekening dormant perlu ditingkatkan 3. Maintenance of dormant accounts needs to be improved to
guna mencegah potensi penyalahgunaan. Selain itu, tindak prevent potential misuse. In addition, follow-up must be done
lanjut harus dilakukan dengan menghubungi nasabah untuk by contacting customers to reactivate inactive accounts;
mengaktifkan kembali rekening yang tidak aktif;
4. Pengelolaan dan monitoring aktivitas perkreditan perlu 4. Management and monitoring of credit activities need to be
ditingkatkan, mulai dari analisa hingga pemantauan, termasuk improved, starting from analysis to monitoring, including more
dokumentasi perkreditan yang lebih akurat dan komprehensif; accurate and comprehensive credit documentation;
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Tata Kelola Perusahaan
Good Corporate Governance
5. Monitoring pembayaran serta kunjungan ke lokasi usaha 5. Payment monitoring and visits to customer business locations
nasabah harus dilakukan secara berkala, termasuk penilaian must be carried out periodically, including re-assessment of
kembali (re-taksasi) jaminan sesuai dengan ketentuan yang collateral in accordance with the applicable regulations;
berlaku;
6. Kantor cabang diinstruksikan untuk mengoptimalkan upaya 6. Branch offices are instructed to optimize collection efforts for
penagihan terhadap tunggakan biaya asuransi, administrasi, arrears in insurance fees, administration, and debtor provisions
dan provisi debitur guna meningkatkan pendapatan Bank; to increase the Bank’s income;
7. Upaya penurunan outstanding Aset Yang Diambil Alih (AYDA) 7. Efforts to reduce outstanding Foreclosed Assets (AYDA) need
perlu dioptimalkan guna meningkatkan pendapatan Bank serta to be optimized to increase the Bank’s income and reduce the
mengurangi beban penyediaan Cadangan Kerugian Penurunan burden of providing Allowance for Impairment Losses (CKPN)
Nilai (CKPN) atas AYDA, termasuk dalam penyelesaian kredit on AYDA, including in the settlement Non-Performing Loans
bermasalah (Non-Performing Loan/NPL); (NPL);
8. Penginputan data nasabah harus dilakukan dengan lebih 8. Inputting customer data must be done more carefully and in
cermat dan sesuai dengan profil yang sebenernya, Selain itu, accordance with the actual profile. In addition, customers are
nasabah diimbau untuk lebih aktif menggunakan rekening Bank encouraged to be more active in using Bank Victoria accounts
Victoria dalam aktivitas keuangan usahanya; in their business financial activities;
9. Kantor cabang diinstruksikan untuk meningkatkan pengawasan 9. Branch offices are instructed to increase supervision on the
terhadap pemenuhan atau kelengkapan dokumen kredit, fulfillment or completeness of credit documents, including
termasuk laporan keuangan in-house dan performa terkini, in-house financial statements and current performance,
melakukan penilaian kembali terhadap jaminan, serta menyusun re-evaluate collateral, and prepare reports on the results of
laporan hasil kunjungan ke lokasi usaha nasabah (call report). visits to customer business locations (call report). Furthermore,
Selain itu, proses pemberian kredit harus dilakukan dengan lending process must be carried out more prudently and in
lebih prudent dan sesuai dengan ketentuan yang berlaku; dan accordance with the applicable regulations; and
10 Pengendalian internal perlu ditingkatkan di seluruh aspek 10. Internal control needs to be enhanced in all aspects by
dengan memperhatikan hasil penilaian SKAI serta temuan considering the results of SKAI assessment and findings that
yang menjadi perhatian Otoritas Jasa Keuangan dan kantor are of concern to the Financial Services Authority and public
akuntan publik. Dengan demikian, ke depan diharapkan Bank accounting firm. Therefore, in the future, the Bank is expected
dapat menjalankan operasional secara lebih optimal serta to carry out operations more optimally and increase awareness
meningkatkan kesadaran terhadap aspek kepatuhan dan of compliance and risk management aspects.
manajemen risiko.
Sertifikasi Manajemen Risiko Board of Commissioners’ Risk Management
Dewan Komisaris Certification
Pada tahun 2024, seluruh anggota Dewan Komisaris Bank telah In 2024, all members of the Bank’s Board of Commissioners obtained
memiliki sertifikasi manajemen risiko sebagaimana yang disyaratkan the risk management certification as required by the Financial
dalam Peraturan Otoritas Jasa Keuangan No. 24 Tahun 2022 Services Authority Regulation No. 24 of 2022 on Human Resources
tentang Pengembangan Kualitas Sumber Daya Manusia Bank Umum. Quality Development for Commercial Banks. This information is
Informasi tersebut telah disampaikan dalam profil masing-masing presented in the profile of each Board of Commissioners’ member
anggota Dewan Komisaris pada bab Profil Perusahaan. in the Company Profile chapter.
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Direksi
Board of Directors
Direksi merupakan organ Bank yang mempunyai wewenang The Board of Directors is the Bank’s organ that has full authority and
dan tanggung jawab penuh untuk memastikan seluruh aktivitas responsibility to ensure that all of the Bank’s operational activities
operasional Bank berlangsung sesuai dengan rencana dan mampu are carried out in accordance with the plan and are able to achieve
mencapai target yang telah ditetapkan. the predetermined targets.
Pedoman Direksi Board of Directors Charter
Pedoman kerja Direksi tertuang dalam Board of Directors Charter The Board of Directors’ work guideline is set out in the Board of
(BOD Charter) yang telah dimutakhirkan berdasarkan Keputusan Directors Charter (BOD Charter) which has been updated based
Direksi No. 006A/SK-DIR/12/23 tanggal 6 Desember 2023. on Board of Directors’ Decision No. 006A/SK-DIR/12/23 dated
6 December 2023.
Ruang Lingkup Pekerjaan dan Tanggung Scope of Work and Responsibility of
Jawab Masing-Masing Anggota Direksi Each Member of the Board of Directors
Ruang lingkup tugas dan tanggung jawab masing-masing anggota The scope of duties and responsibilities of each member of
Direksi berdasarkan Keputusan No. 001/SK-KOM/10/24 tanggal the Board of Directors, based on Decision No. 001/SK-KOM/10/24
2 Oktober 2024 tentang Pembagian Tugas dan Wewenang Anggota dated 2 October 2024 on Distribution of Duties and Authorities of
Board of Directors, diuraikan sebagai berikut: the Board of Directors’ Members, is described as follows:
Nama dan Jabatan Tugas dan Tanggung Jawab
Name and Position Duties and Responsibilities
Achmad Friscantono Koordinasi pengelolaan Bank Victoria yang membawahi Divisi: Coordination of Bank Victoria management which oversees
Direktur Utama the Divisions of:
President Director • SEVP of Change Management Office; • SEVP of Change Management Office;
• Change Management Office Division; • Change Management Office Division;
• SKAI Division; • SKAI Division;
• Treasury Division; • Treasury Division;
• Information Technology Division; • Information Technology Division;
• Marketing Communication, Product & Digital Marketing • Marketing Communication, Product & Digital Marketing
Division; dan Division; and
• Corporate Legal Division. • Corporate Legal Division.
Rusli Wakil Direktur Utama yang membawahi Divisi/Departemen: Deputy President Director in charge of Divisions/Department of:
Wakil Direktur Utama • SEVP of Operations & International Banking; • SEVP of Operations & International Banking;
Deputy President Director • Operations & Internal Control Division; • Operations & Internal Control Division;
• International Banking Division; • International Banking Division;
• Special Asset Management Division; • Special Asset Management Division;
• Credit Risk Review Division; • Credit Risk Review Division;
• HCM & General Affair Division; dan • HCM & General Affair Division; and
• Credit Monitoring & Collection. • Credit Monitoring & Collection.
Lembing Direktur Bisnis yang membawahi Divisi: Director of Business in charge of Divisions of:
Direktur Bisnis • SEVP of Business; • SEVP of Business;
Director of Business • Commercial Banking Division; • Commercial Banking Division;
• SME I & Consumer Banking Division; dan • SME I & Consumer Banking Division; and
• SME II Banking Division. • SME II Banking Division.
Debora Wahjutirto Tanoyo Direktur Keuangan yang membawahi Divisi/Departemen: Director of Finance in charge of Divisions/Department of:
Direktur Keuangan • SEVP of Finance, Accounting & Management Information • SEVP of Finance, Accounting & Management Information
Director of Finance System; System;
• Accounting Division; • Accounting Division;
• Management Information System (MIS); • Management Information System (MIS);
• Loan & Trade Operations Division; • Loan & Trade Operations Division;
• Credit Legal Division; dan • Credit Legal Division; and
• Branch Banking Network Division. • Branch Banking Network Division.
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Tata Kelola Perusahaan
Good Corporate Governance
Nama dan Jabatan Tugas dan Tanggung Jawab
Name and Position Duties and Responsibilities
Tamunan Direktur Kepatuhan dan Manajemen Risiko yang membawahi Compliance and Risk Management Director in charge of
Direktur Kepatuhan dan Divisi/Departemen: Division/Department:
Manajemen Risiko • Compliance, System Procedure & Customer Protection • Compliance, System Procedure & Customer Protection
Director of Compliance and Division; Division;
Risk Management • Risk Management/Integrated Division; • Risk Management/Integrated Division;
• Corporate Secretary Division; • Corporate Secretary Division;
• Anti-Fraud; dan • Anti-Fraud; and
• Anti-Money Laundering, Counter Terrorist Financing & • Anti-Money Laundering, Counter-Terrorist Financing &
Weapon Mass Destruction (AML, CTF & WMD). Weapon Mass Destruction (AML, CTF & WMD).
Wewenang Direksi Authority of the Board of Directors
Wewenang Direksi Bank dalam menjalankan tugas dan tanggung The authority of the Bank’s Board of Directors in performing its
jawabnya diuraikan sebagai berikut: duties and responsibilities is described as follows:
1. Mewakili Bank di dalam dan di luar pengadilan tentang segala 1. Represent the Bank in and out of court on all matters and in any
hal dan dalam segala kejadian, mengikat Bank dengan pihak lain events, to bind the Bank to other parties and other parties to
dan pihak lain dengan Bank, serta menjalankan segala tindakan, the Bank, and to carry out all actions, both on the management
baik yang mengenai kepengurusan maupun kepemilikan, dengan and ownership, with the limitations as stipulated in the Articles
pembatasan yang ditetapkan dalam Anggaran Dasar dan dengan of Association with due regard to the applicable laws and
memperhatikan peraturan perundang-undangan yang berlaku; regulations;
2. Untuk melakukan tindakan tertentu, Direksi terlebih dahulu harus 2. To perform certain actions, the Board of Directors must first
mendapat persetujuan tertulis dari Dewan Komisaris kecuali obtain written approval from the Board of Commissioners,
ditentukan lain oleh peraturan dan ketentuan yang berlaku; dan unless stipulated otherwise by the applicable rules and
regulations; and
3. Memperoleh, mengalihkan, atau melepaskan dengan cara 3. To obtain, transfer, or waive by any means the rights to
apapun hak-hak atas barang-barang tidak bergerak dan Bank. immovable property and the Bank.
Jumlah, Komposisi, dan Independensi Direksi Number, Composition, and Independence of
the Board of Directors’
Jumlah dan Komposisi Number and Composition
Bank wajib memiliki anggota Direksi paling sedikit 3 (tiga) orang The Bank shall have at least 3 (three) members of Board of
anggota yang diangkat oleh RUPS untuk jangka waktu 3 (tiga) tahun Directors, appointed by the GMS for a period of 3 (three) years and
serta dapat diangkat kembali untuk periode berikutnya. Berikut can be reappointed for the following period. The following is the
komposisi Direksi Bank pada tahun 2024: composition of the Bank’s Board of Directors in 2024:
Nama Jabatan Dasar Hukum Pengangkatan dan Masa Jabatan
Name Position Legal Basis of Appointment and Term of Office
Achmad Friscantono Direktur Utama Keputusan RUPS Tahunan tanggal 3 Juni 2022 (2022-2025).
President Director Annual GMS Resolution dated 3 June 2022 (2022-2025).
Rusli Wakil Direktur Utama Keputusan RUPS Tahunan tanggal 3 Juni 2022 (2022-2025).
Deputy President Director Annual GMS Resolution dated 3 June 2022 (2022-2025).
Lembing Direktur Keputusan RUPS Tahunan tanggal 3 Juni 2022 (2022-2025).
Director Annual GMS Resolution dated 3 June 2022 (2022-2025).
Debora Wahjutirto Tanoyo Direktur Keputusan RUPS Tahunan tanggal 3 Juni 2022 (2022-2025).
Director Annual GMS Resolution dated 3 June 2022 (2022-2025).
Tamunan Direktur Kepatuhan dan Manajemen Risiko Keputusan RUPS Tahunan tanggal 3 Juni 2022 (2022-2025).
Director of Compliance and Risk Management Annual GMS Resolution dated 3 June 2022 (2022-2025).
Independensi Independence
Seluruh anggota Direksi senantiasa mengedepankan prinsip All members of the Board of Directors always prioritize independence
independensi dalam setiap pelaksanaan tugas dan tanggung principle in every implementation of their duties and responsibilities
jawabnya demi menjamin tidak terjadinya hal-hal yang berpotensi to ensure that there are no potential conflicts of interest nor losses
menimbulkan benturan kepentingan dan kerugian bagi Bank. for the Bank.
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Penilaian Kemampuan dan Kepatutan Direksi Fit and Proper Test for the Board of Directors
Pada tahun 2024, seluruh anggota Direksi Bank telah memenuhi syarat In 2024, all members of the Bank’s Board of Directors fulfilled
dan lulus uji kemampuan serta kepatutan sebagaimana yang disyaratkan the requirements and passed the fit and proper test as required in
dalam Peraturan Otoritas Jasa Keuangan No. 27/POJK.03/2016 the Financial Services Authority Regulation No. 27/POJK.03/2016 on
tentang Penilaian Kemampuan dan Kepatutan Pihak Utama Lembaga Fit and Proper Test for Key Parties of Financial Services Institutions.
Jasa Keuangan. Informasi tersebut telah disampaikan dalam profil This information is presented in the profile of each Board of
masing-masing anggota Direksi pada bab Profil Perusahaan. Directors’ member in the Company Profile chapter.
Rapat Direksi Board of Directors’ Meetings
Kebijakan Rapat Direksi Board of Directors’ Meeting Policy
Selain keharusan untuk menghadiri RUPS, Direksi juga wajib In addition to the requirement to attend the GMS, the Board of
mengadakan rapat internal paling sedikit 1 (satu) kali dalam 1 (satu) Directors is also required to hold internal meetings at least once
bulan dan rapat dengan Dewan Komisaris paling sedikit 1 (satu) kali in 1 (one) month and meetings with the Board of Commissioners at
dalam 4 (empat) bulan. Teknis pelaksanaan rapat dapat dilakukan least once every 4 (four) months. Technically, the meeting can be
secara langsung maupun secara teleconference dengan tetap conducted in person or via teleconference while still considering
memperhatikan keabsahan pengambilan keputusan. the validity of decision making.
Frekuensi Kehadiran Rapat Direksi Board of Directors’ Frequency of Attendance in
[G-02] Meetings [G-02]
Selama tahun 2024, Direksi telah melaksanakan rapat dengan Throughout 2024, the Board of Directors held meetings with details
rincian kehadiran masing-masing anggota sebagai berikut: of each member’s attendance as follows:
Rapat Internal Direksi Rapat Gabungan dengan Dewan Komisaris
Board of Directors Joint Meeting with
Internal Meeting Board of Commissioners
Nama Jabatan Tingkat Tingkat
Name Position Total Total
Total Rapat Kehadiran Total Rapat Kehadiran
Kehadiran Kehadiran
Total Attendance Total Attendance
Total Total
Meetings Rate Meetings Rate
Attendance Attendance
(%) (%)
Direktur Utama
Achmad Friscantono 50 50 100.00 8 8 100.00
President Director
Wakil Direktur Utama
Rusli 50 49 98.00 8 7 87.50
Deputy President Director
Direktur
Lembing 50 44 88.00 8 8 100.00
Director
Debora Wahjutirto Direktur
50 44 88.00 8 8 100.00
Tanoyo Director
Direktur Kepatuhan dan
Manajemen Risiko
Tamunan 50 47 94.00 8 7 87.50
Director of Compliance
and Risk Management
Rata-Rata Kehadiran (%)
93.60 95.00
Average Attendance (%)
Kehadiran Direksi dalam RUPS tercantum pada bagian yang The attendance of the Board of Directors at GMS is stated in the
membahas Rapat Umum Pemegang Saham. section that discusses General Meeting of Shareholders.
Agenda Rapat Internal Direksi Agenda of Board of Directors’ Internal Meeting
Agenda yang dibahas dalam rapat internal Direksi meliputi The agenda discussed in the Board of Directors’ internal meeting
kinerja kredit, pipeline dan realisasi Agunan Yang Diambil Alih (AYDA) includes credit performance, pipeline and realization of Foreclosed
serta Write-Off (WO), kinerja keuangan, serta pembahasan lain-lain. Collateral (AYDA) and Write-Off (WO), financial performance,
and other discussions.
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Tata Kelola Perusahaan
Good Corporate Governance
Agenda Rapat Gabungan dengan Dewan Komisaris Agenda of Joint Meeting with Board of Commissioners
Agenda yang dibahas dalam rapat gabungan Direksi dengan Dewan The agenda discussed in the joint meetings of Board of Directors
Komisaris telah disampaikan pada bagian Rapat Dewan Komisaris. and Board of Commissioners has been submitted to the Board of
Commissioners’ Meeting section.
Persetujuan dan Rekomendasi Direksi Board of Directors’ Approvals
and Recommendations
Sepanjang tahun 2024, Direksi telah mengeluarkan 162 persetujuan Throughout 2024, the Board of Directors issued 162 approvals
dan rekomendasi yang mencakup berbagai aspek penting dalam and recommendations covering various important aspects in
pengelolaan Bank. Beberapa di antaranya terkait dengan kebijakan the management of the Bank. Some of them were related to risk
manajemen risiko, kebijakan perkreditan, kebijakan tata kelola management policies, credit policies, corporate governance
perusahaan, sistem keamanan informasi, kebijakan kepatuhan, policies, information security system, compliance policies, anti-fraud
strategi anti-fraud, serta berbagai standar operasional prosedur strategy, and various standard operating procedures that supported
yang mendukung operasional perbankan, layanan digital, dan banking operations, digital services, and banking products.
produk perbankan.
Sertifikasi Manajemen Risiko Direksi Board of Directors’ Risk Management
Certification
Pada tahun 2024, seluruh anggota Direksi Bank telah memiliki In 2024, all members of the Bank’s Board of Directors obtained
sertifikasi manajemen risiko sebagaimana yang disyaratkan dalam the risk management certification as required by the Financial
Peraturan Otoritas Jasa Keuangan No. 24 Tahun 2022 tentang Services Authority Regulation No. 24 of 2022 on Human Resources
Pengembangan Kualitas Sumber Daya Manusia Bank Umum. Quality Development for Commercial Banks. This information is
Informasi tersebut telah disampaikan dalam profil masing-masing presented in the profile of each Board of Directors’ member in the
anggota Direksi pada bab Profil Perusahaan. Company Profile chapter.
Rangkap Jabatan Dewan Komisaris dan Direksi
Concurrent Positions of the Board of Commissioners and Board of Directors
Ketentuan rangkap jabatan Dewan Komisaris dan Direksi Bank The provisions for concurrent positions of the Bank’s Board of
mengacu pada Peraturan Otoritas Jasa Keuangan No. 17 Tahun 2023 Commissioners and Board of Directors refer to the Financial Services
tentang Tata Kelola Bank Umum, yang melarang rangkap jabatan Authority Regulation No. 17 of 2023 on Governance for Commercial
sebagai berikut: Banks, which prohibits concurrent positions as follows:
1. Dewan Komisaris merangkap jabatan sebagai anggota 1. The Board of Commissioners holds concurrent position as
Dewan Komisaris, anggota Direksi, anggota Dewan Pengawas members of Board of Commissioners, members of Board of
Syariah, atau Pejabat Eksekutif pada lembaga keuangan atau Directors, members of Sharia Supervisory Board, or Executive
perusahaan keuangan baik bank maupun bukan bank; Officers in financial institutions or financial companies, either
banks and non-banks;
2. Dewan Komisaris dilarang merangkap jabatan sebagai anggota 2. The Board of Commissioners is prohibited from holding
Dewan Komisaris, anggota Direksi, anggota Dewan Pengawas concurrent position as members of Board of Commissioners,
Syariah, atau Pejabat Eksekutif pada lebih dari 1 (satu) lembaga members of Board of Directors, members of Sharia Supervisory
atau perusahaan bukan keuangan, baik yang berkedudukan di Board, or Executive Officers in more than 1 (one) non-financial
dalam maupun di luar negeri; institution or company, either domiciled within or outside
the country;
3. Direksi merangkap jabatan sebagai anggota Dewan Komisaris, 3. The Board of Directors holds concurrent position as members
anggota Direksi, anggota Dewan Pengawas Syariah, atau Pejabat of Board of Commissioners, members of Board of Directors,
Eksekutif pada bank, perusahaan, dan/atau lembaga lain; members of Sharia Supervisory Board, or Executive Officers at
other banks, companies, and/or other institutions;
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4. Dewan Komisaris dan Direksi merangkap jabatan pada bidang 4. The Board of Commissioners and Board of Directors hold
tugas fungsional pada lembaga keuangan bank dan/atau concurrent position in the field of functional duties at bank
lembaga keuangan bukan bank yang berkedudukan di dalam financial institutions and/or non-bank financial institutions
maupun di luar negeri; domiciled within or outside the country;
5. Dewan Komisaris dan Direksi merangkap jabatan pada jabatan 5. The Board of Commissioners and Board of Directors hold
lain yang dapat menimbulkan benturan kepentingan dalam concurrent position in other positions that can cause conflicts
pelaksanaan tugas sebagai anggota Dewan Komisaris atau of interest in performing their duties as members of Board of
Direksi; Commissioners or Board of Directors;
6. Dewan Komisaris dan Direksi merangkap jabatan pada jabatan 6. The Board of Commissioners and Board of Directors hold
lain sesuai dengan ketentuan peraturan perundang-undangan; concurrent position in other positions in accordance with the
dan provisions of the laws and regulations; and
7. Komisaris Independen dilarang merangkap jabatan sebagai 7. Independent Commissioners are prohibited from holding
pejabat publik. concurrent position as public officials.
Informasi rangkap jabatan Dewan Komisaris dan Direksi telah Information on concurrent positions of the Board of Commissioners
disampaikan dalam profil masing-masing anggota Dewan Komisaris and Board of Directors is presented in the profile of each member of
dan Direksi pada bab Profil Perusahaan. the Board of Commissioners and Board of Directors in the Company
Profile chapter.
Penilaian Kinerja Dewan Komisaris, Direksi,
Komite Pendukung Dewan Komisaris, serta
Komite dan Organ Pendukung Direksi [G-04]
Performance Assessment of the Board of Commissioners, Board of Directors,
Board of Commissioners’ Supporting Committees, and Board of Directors’
Committees and Supporting Organs
Penilaian Kinerja Dewan Komisaris Board of Commissioners’ Performance
Asssessment
Prosedur Pelaksanaan Penilaian Kinerja Procedures for the Board of Commissioners’
Dewan Komisaris Performance Assessment
Proses penilaian kinerja Dewan Komisaris di Bank Victoria dilakukan The process of assessing the Board of Commissioners’ performance
secara rutin setiap tahun dengan melibatkan Komite Remunerasi at Bank Victoria is conducted regularly every year by involving
dan Nominasi. Penilaian dilakukan melalui 2 (dua) metode, yaitu the Remuneration and Nomination Committee. The assessment is
penilaian sendiri dan peer evaluation. Penilaian sendiri dilakukan oleh carried out through 2 (two) methods, namely self-assessment and
masing-masing anggota Dewan Komisaris sesuai dengan ketentuan peer evaluation. Self-assessment is conducted by each member of
yang diatur dalam Peraturan Otoritas Jasa Keuangan tentang the Board of Commissioners in line with the provisions stipulated
Tata Kelola bagi Bank Umum. Sementara itu, peer evaluation in the Financial Services Authority Regulation on Governance
melibatkan penilaian antar anggota Dewan Komisaris, di mana setiap for Commercial Banks. Meanwhile, peer evaluation involves
anggota mengevaluasi kinerja rekan-rekannya berdasarkan bidang assessments among members of the Board of Commissioners, with
pengawasan dan tanggung jawab masing-masing. Hasil penilaian each member evaluating colleague performance based on the
kemudian disampaikan oleh Komite Remunerasi dan Nominasi respective supervision areas and responsibilities. The assessment
kepada Pemegang Saham sebelum RUPS Tahunan untuk digunakan results are then submitted by the Remuneration and Nomination
sebagai dasar pengambilan keputusan terkait remunerasi dan Committee to Shareholders prior to the Annual GMS to be used as
kinerja Dewan Komisaris. the basis for adopting resolutions regarding the remuneration and
performance of the Board of Commissioners.
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Tata Kelola Perusahaan
Good Corporate Governance
Pihak yang Melakukan Penilaian Kinerja Party Assessing the Board of Commissioners’
Dewan Komisaris Performance
Untuk penilaian sendiri, penilaian dikoordinir oleh Divisi Compliance, For self-assessment, it is coordinated by the Compliance, System
System Procedure & Customer Protection dan dilaporkan kepada Procedure & Customer Protection Division and reported to the
Dewan Komisaris melalui Komite Remunerasi dan Nominasi. Board of Commissioners through Remuneration and Nomination
Sementara untuk penilaian peer evaluation, penilaian dilakukan Committee. Meanwhile, for peer evaluation, the assessment is
oleh setiap anggota Dewan Komisaris terhadap anggota Dewan carried out by each member of the Board of Commissioners against
Komisaris lainnya. other members of the Board of Commissioners.
Kriteria Penilaian Kinerja Dewan Komisaris Criteria for Assessing the Board of Commissioners’
Performance
Untuk penilaian sendiri, kriteria penilaian meliputi 16 indikator For self-assessment, its criteria include 16 governance structure
governance structure, 17 indikator governance process, dan 6 (enam) indicators, 17 governance process indicators, and 6 (six) governance
indikator governance outcome sebagaimana diatur dalam Lampiran III outcome indicators as stipulated in Attachment III of the Financial
Surat Edaran Otoritas Jasa Keuangan No. 13/SEOJK.03/2017 tentang Services Authority Circular No. 13/SEOJK.03/2017 on Governance
Penerapan Tata Kelola bagi Bank Umum. Implementation for Commercial Banks.
Sementara untuk peer evaluation, kriteria penilaian meliputi: Meanwhile, for peer evaluation, the assessment criteria include:
1. Kehadiran dalam rapat internal Dewan Komisaris, rapat 1. Attendance at internal meetings of the Board of Commissioners,
gabungan Dewan Komisaris bersama Direksi, rapat Dewan joint meetings of the Board of Commissioners and the Board
Komisaris dengan Pemegang Saham, dan rapat Dewan of Directors, meetings between the Board of Commissioners
Komisaris atau Komite dengan Unit Kerja Bank; and Shareholders, and meetings between the Board of
Commissioners or Committee with the Bank’s Work Units;
2. Integritas (misalnya benturan kepentingan yang muncul); 2. Integrity (for example conflicts of interest that arise);
3. Pengetahuan dan pemahaman atas nilai-nilai misi, rencana 3. Knowledge and understanding of the values of the mission, the
jangka panjang Bank, dan refleksi pemahaman ini kepada Bank’s long-term plan, and the reflection of this understanding
isu-isu penting sepanjang tahun; on important issues throughout the year;
4. Kemampuan untuk menyampaikan, memberikan argumentasi, 4. Ability to convey, provide arguments and solutions regarding
dan memberikan solusi mengenai isu-isu strategis Bank; the Bank’s strategic issues;
5. Kemampuan dalam mengikuti isu-isu dan tren yang berpengaruh 5. Ability to follow issues and trends that affect the Bank and use
terhadap Bank dan menggunakan informasi tersebut untuk this information to assess and direct the Bank’s performance,
menilai dan mengarahkan kinerja Bank, bukan hanya dari tahun not only from year to year, but also in the long-term; and
ke tahun, akan tetapi juga dalam jangka panjang; dan
6. Hubungan anggota Dewan Komisaris dengan sesama anggota 6. The relationship between member of the Board of Commissioners
Dewan Komisaris lainnya, dengan Direksi, dan pihak-pihak lain yang and fellow members of the Board of Commissioners, and the
diatur dalam Anggaran Dasar dan peraturan perundang-undangan. Board of Directors and other parties as regulated in the Articles
of Association and laws and regulations.
Hasil Penilaian Kinerja Dewan Komisaris The Board of Commissioners’ Performance
Assessment Results
Hasil evaluasi terhadap kinerja Dewan Komisaris, baik secara The Board of Commissioners’ performance evaluation results, both
keseluruhan maupun secara individu, menjadi elemen penting dalam collegially and individually, are important elements in determining
menentukan skema kompensasi dan pemberian insentif bagi Dewan the compensation scheme and providing incentives for the Board of
Komisaris. Evaluasi juga berperan sebagai dasar pertimbangan Commissioners. The evaluation also serves as the main consideration
utama bagi Pemegang Saham dalam mengambil keputusan terkait for the Shareholders to adopt resolutions regarding dismissal or
pemberhentian atau penunjukan kembali anggota Dewan Komisaris. reappointment of members of the Board of Commissioners. Thus,
Dengan demikian, penilaian kinerja tidak hanya berdampak pada performance assessment has impacts not only on financial rewards,
penghargaan finansial, tetapi juga pada keberlanjutan peran but also on the sustainability of each member’s role in the Bank’s
masing-masing anggota dalam struktur kepemimpinan Bank. leadership structure. As part of transparency and accountability,
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Sebagai bagian dari transparansi dan akuntabilitas, hasil penilaian the results of the Board of Commissioners’ performance assessment
kinerja Dewan Komisaris tahun 2024 sebagai berikut: in 2024 are as follows:
Penilaian Sendiri
Peer Evaluation
Self-Assessment
Pada tahun 2024, hasil penilaian sendiri Dewan Komisaris memperoleh nilai Pada tahun 2024, hasil penilaian peer evaluation pelaksanaan tugas Dewan
komposit “1 (satu)” dengan kategori “Sangat Baik”. Komisaris memperoleh nilai komposit “1 (satu)” dengan kategori “Sangat Baik”.
In 2024, the Board of Commissioners’ self-assessment results obtained a In 2024, the peer evaluation results of the implementation of Board of
composite score of “1 (one)” under the category of “Very Good”. Commissioners’ duties obtained a composite score of “1 (one)” under
the category of “Very Good”.
Penilaian Kinerja Direksi Board of Directors’ Performance Asssessment
Prosedur Pelaksanaan Penilaian Kinerja Direksi Procedures for the Board of Directors’
Performance Assessment
Untuk mengukur pencapaian target kinerja Direksi, evaluasi To measure the achievement of the Board of Directors’ performance
terhadap kinerja Direksi, baik secara kolektif maupun individu, targets, evaluations of the Board of Directors’ performance, both
dilakukan minimal sekali dalam setahun. Proses penilaian ini collectively and individually, are carried out at least once every year.
dilakukan melalui 2 (dua) metode utama, yaitu penilaian sendiri This assessment process is carried out through 2 (two) main methods,
oleh Direksi dan penilaian oleh Dewan Komisaris. Penilaian sendiri namely self-assessment by Board of Directors and assessment
dilakukan sesuai dengan ketentuan yang diatur dalam Peraturan by Board of Commissioners. Self-assessment is conducted in
Otoritas Jasa Keuangan terkait Penerapan Tata Kelola bagi Bank accordance with the provisions stipulated in the Financial Services
Umum, yang mencakup penilaian atas pelaksanaan tugas dan Authority Regulation on Governance Implementation for Commercial
tanggung jawab Direksi. Di sisi lain, Dewan Komisaris juga melakukan Banks, which include assessments on implementation of the Board of
evaluasi terhadap kinerja Direksi melalui prosedur berikut: Directors’ duties and responsibilities. On the other hand, the Board
of Commissioners also evaluates the Board of Directors’ performance
through the following procedures:
1. Direksi menyusun Key Performance Indicator (KPI) yang memuat 1. The Board of Directors prepares Key Performance Indicator
rencana kerja, sasaran, atau target yang akan dicapai dalam (KPI) that includes work plan, objectives, or goals to be achieved
1 (satu) tahun maupun triwulan; within 1 (one) year and quarterly;
2. Penilaian kinerja Direksi dilaksanakan oleh Dewan Komisaris, 2. The Board of Directors’ performance is assessed by the Board
namun Direktur Utama dapat menilai Direksi lainnya; of Commissioners, but the President Director can assess other
Directors;
3. Direksi melaporkan realisasi pencapaian target masing-masing 3. The Board of Directors reports the realization of target
KPI dalam laporan triwulan dan Laporan Tahunan kepada achievement for each KPI in the quarterly report and Annual
Dewan Komisaris, baik secara individu maupun kolektif untuk Report to the Board of Commissioners, whether individually or
dievaluasi; dan collectively, to be evaluated; and
4. Hasil evaluasi KPI Direksi oleh Dewan Komisaris menjadi bahan 4. The evaluation result of Board of Directors’ KPI by the Board
penilaian pertanggungjawaban Direksi dalam pelaksanaan RUPS. of Commissioners becomes means in assessing the Board of
Directors’ accountability in the GMS.
Pihak yang Melakukan Penilaian Kinerja Direksi Party Assessing the Board of Directors’
Performance
Untuk penilaian sendiri, penilaian dikoordinir oleh Divisi Compliance, For self-assessment, it is coordinated by the Compliance, System
System Procedure & Customer Protection dan dilaporkan kepada Procedure & Customer Protection Division and reported to the
Dewan Komisaris dan Direksi. Sementara untuk penilaian oleh Board of Commissioners and Board of Directors. Meanwhile, for
Dewan Komisaris, penilaian dilakukan oleh Dewan Komisaris. assessment by Board of Commissioners, it is conducted by the
Board of Commissioners.
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Tata Kelola Perusahaan
Good Corporate Governance
Kriteria Penilaian Kinerja Direksi Criteria for Assessing the Board of Directors’
Performance
Untuk penilaian sendiri, kriteria penilaian meliputi 16 indikator For self-assessment, its criteria include 16 governance structure
governance structure, 14 indikator governance process, dan indicators, 14 governance process indicators, and 10 (ten)
10 (sepuluh) indikator governance outcome sebagaimana governance outcome indicators as stipulated in Attachment III of
diatur dalam Lampiran III Surat Edaran Otoritas Jasa Keuangan the Financial Services Authority Circular No. 13/SEOJK.03/2017 on
No. 13/SEOJK.03/2017 tentang Penerapan Tata Kelola bagi Bank Umum. Governance Implementation for Commercial Banks.
Sementara untuk penilaian oleh Dewan Komisaris, kriteria penilaian Meanwhile, for assessment by Board of Commissioners, its criteria
meliputi: include:
1. Terlaksananya kepemimpinan (leadership), kerja sama 1. The implementation of good leadership, teamwork, as well as
(team work), serta komunikasi dan kompetensi yang baik; communication and competency;
2. Terlaksananya GCG dalam setiap kegiatan usaha Bank; 2. The implementation of GCG in each of the Bank’s business
activities;
3. Terlaksananya pencapaian RBB; dan 3. The achievement of the RBB; and
4. Terlaksananya pengawasan atas tindak lanjut dari Direksi 4. The implementation of monitoring and follow-up from the Board
berdasarkan audit, rekomendasi SKAI, auditor eksternal, atau of Directors based on audit, recommendation of SKAI, external
pengawasan Otoritas Jasa Keuangan. auditor, or the Financial Services Authority’s supervision.
Hasil Penilaian Kinerja Direksi The Board of Directors’ Performance
Assessment Results
Hasil penilaian kinerja Direksi berperan penting dalam menentukan The Board of Directors’ performance assessment results play an
skema kompensasi dan pemberian insentif bagi Direksi, serta important role in determining compensation scheme and providing
menjadi faktor utama bagi Pemegang Saham dalam mengambil incentives for the Board of Directors, and serve as the main factor
keputusan terkait pemberhentian atau penunjukan kembali anggota for the Shareholders to adopt resolutions regarding dismissal or
Direksi. Sebagai bagian dari komitmen terhadap transparansi dan reappointment of members of the Board of Directors. As part of the
akuntabilitas, hasil penilaian kinerja Direksi untuk tahun 2024 commitment to transparency and accountability, the results of the
diuraikan sebagai berikut: Board of Directors’ performance assessment in 2024 are outlined
as follows:
Penilaian Sendiri Penilaian oleh Dewan Komisaris
Self-Assessment Assessment by the Board of Commissioners
Pada tahun 2024, hasil penilaian sendiri Direksi memperoleh nilai komposit Pada tahun 2024, hasil penilaian kinerja Direksi oleh Dewan Komisaris
“2 (dua)” dengan kategori “Baik”. memperoleh nilai komposit “2 (dua)” dengan kategori “Baik”.
In 2024, the Board of Directors’ self-assessment results obtained a composite In 2024, the Board of Directors’ performance assessment results obtained a
score of “2 (two)” under the category “Good”. composite score of “2 (two)” under the category “Good”.
Penilaian Kinerja Komite Pendukung Performance Assessment of
Dewan Komisaris the Board of Commissioners’
Supporting Committees
Prosedur Pelaksanaan Penilaian Kinerja Procedures for Performance Assessment of the
Komite Pendukung Dewan Komisaris Board of Commissioners’ Supporting Committees
Dewan Komisaris secara rutin melakukan pengawasan dan evaluasi The Board of Commissioners regularly conducts comprehensive
menyeluruh terhadap kinerja Komite Audit, Komite Pemantau Risiko, monitoring and evaluation of the performance of Audit Committee, Risk
serta Komite Remunerasi dan Nominasi. Evaluasi dilakukan setidaknya Monitoring Committee, and Remuneration and Nomination Committee.
sekali dalam setahun, mencakup penilaian individual maupun kolektif, Evaluation is carried out at least once every year, including individual and
dengan tujuan memastikan efektivitas pengawasan dan tata kelola collective assessments, with the aim of ensuring effective monitoring
yang baik di setiap komite. Proses penilaian melibatkan metode and good governance in each committee. The assessment process
penilaian sendiri oleh masing-masing komite pendukung Dewan involves methods of self-assessment by each Board of Commissioner’
Komisaris, serta penilaian kinerja oleh Dewan Komisaris sendiri. Hasil supporting committee as well as performance assessment by the Board
evaluasi menjadi landasan untuk memastikan komite-komite tersebut of Commissioners itself. The evaluation results serve as the basis for
beroperasi sesuai dengan tujuan strategis Bank, sambil memperkuat ensuring that these committees operate in accordance with the Bank’s
kontribusi setiap komite terhadap pencapaian target Bank dan strategic objectives, while strengthening each committee contribution
pengelolaan risiko yang lebih baik. to achieving the Bank’s targets and better risk management.
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Pihak yang Melakukan Penilaian Kinerja Party Assessing the Performance of the Board
Komite Pendukung Dewan Komisaris of Commissioners’ Supporting Committees
Untuk penilaian sendiri, penilaian dikoordinir oleh Divisi Compliance, For self-assessment, it is coordinated by the Compliance, System
System Procedure & Customer Protection dan dilaporkan kepada Procedure & Customer Protection Division and reported to the
Dewan Komisaris. Sementara untuk penilaian oleh Dewan Komisaris, Board of Commissioners. Meanwhile, for assessment by Board of
penilaian dilakukan oleh Dewan Komisaris. Commissioners, it is conducted by the Board of Commissioners.
Kriteria Penilaian Kinerja Komite Pendukung Criteria for Assessing the Performance of the
Dewan Komisaris Board of Commissioners’ Supporting Committees
Untuk penilaian sendiri, kriteria penilaian meliputi 10 (sepuluh) For self-assessment, its criteria include 10 (ten) governance
indikator governance structure, 7 (tujuh) indikator governance structure indicators, 7 (seven) governance process indicators, and
process, dan 2 (dua) indikator governance outcome sebagaimana 2 (two) governance outcome indicators as stipulated in Attachment
diatur dalam Lampiran III Surat Edaran Otoritas Jasa Keuangan III of the Financial Services Authority Circular No. 13/SEOJK.03/2017
No. 13/SEOJK.03/2017 tentang Penerapan Tata Kelola bagi Bank Umum. on Governance Implementation for Commercial Banks.
Sementara untuk penilaian oleh Dewan Komisaris, kriteria penilaian Meanwhile, for assessment by Board of Commissioners, its criteria
dibuat secara umum dan diuraikan dengan penjelasan secara are made in general and described with qualitative explanation
kualitatif (penilaian tidak dalam angka/skala) yang meliputi: (ratings are not in numbers/scales) which include:
1. Kehadiran dalam rapat Komite; 1. Attendance at Committee’s meetings;
2. Penguasaan materi yang akan dibahas; 2. Mastery of the material to be discussed;
3. Kesediaan menyediakan waktu dan upaya dalam memenuhi 3. Willingness to provide time and efforts in fulfilling duties and
tugas dan tanggung jawab sebagai anggota Komite; responsibilities as a Committee member;
4. Kesediaan berpartisipasi dalam kegiatan di luar kantor, seperti 4. Willingness to participate in activities outside the office, such as
kunjungan ke unit bisnis; visits to business units;
5. Kualitas dan saran yang diberikan dalam rapat-rapat; 5. Quality and advice given in meetings;
6. Terlaksananya pemantauan dan evaluasi, baik secara berkala 6. Implementation of monitoring and evaluation, both periodically
maupun tahunan, atas hal-hal yang menjadi bidang tugas dan and annually, on matters that are the respective areas of duties
tanggung jawab masing-masing komite; and responsibilities of each committee;
7. Pemantauan dan koreksi penyimpangan; dan 7. Monitoring and correction of deviation; and
8. Terlaksananya pemantauan dan evaluasi terhadap divisi/unit 8. Implementation of monitoring and evaluation of divisions/units
yang terkait dengan bidang tugas dan tanggung jawab related to the respective areas of duties and responsibilities of
masing-masing komite. each committee.
Hasil Penilaian Kinerja Komite Pendukung Dewan Komisaris
Performance Assessment Results of the Board of Commissioners’ Supporting Committees
Penilaian Sendiri
Self-Assessment
Pada tahun 2024, hasil penilaian sendiri pelaksanaan tugas dan tanggung In 2024, the self-assessment results of the implementation of duties and
jawab Komite pendukung Dewan Komisaris berada pada kategori “Baik”. responsibilities of the Board of Commissioners’ supporting committees were
under the category of “Good”.
Penilaian oleh Dewan Komisaris
Assessment by the Board of Commissioners
Komite Audit: Audit Committee:
Dewan Komisaris menilai bahwa Komite Audit telah menjalankan perannya The Board of Commissioners evaluated that the Audit Committee
secara optimal sepanjang tahun 2024, dengan menunjukkan kinerja yang performed its role optimally throughout 2024, by demonstrating effective
efektif dalam mendukung fungsi pengawasan. Komite Audit tidak hanya performance in supporting monitoring function. The Audit Committee not
berhasil memantau dan mengevaluasi perencanaan serta pelaksanaan audit only managed in monitoring and evaluating the planning and implementation
secara mendalam, tetapi juga memastikan tindak lanjut yang tepat atas of audit in depth, but also ensured appropriate follow-up to audit findings.
hasil temuan audit. Komite Audit secara aktif mengawasi langkah-langkah The Audit Committee actively monitored the steps taken by the Board of
yang diambil oleh Direksi untuk menindaklanjuti rekomendasi dan komitmen Directors to follow up on recommendations and commitments resulting
yang dihasilkan dari pemeriksaan internal maupun eksternal. Pengawasan from internal and external audits. This careful monitoring gave significant
yang cermat ini berkontribusi signifikan dalam memastikan kepatuhan dan contribution to ensuring compliance and improving the Bank’s overall
peningkatan tata kelola Bank secara menyeluruh. governance.
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Tata Kelola Perusahaan
Good Corporate Governance
Komite Pemantau Risiko: Risk Monitoring Committee:
Dewan Komisaris menyimpulkan bahwa kinerja Komite Pemantau Risiko The Board of Commissioners concluded that the Risk Monitoring Committee’s
sepanjang tahun 2024 telah berjalan dengan efektif. Komite Pemantau Risiko performance throughout 2024 was effective. The Risk Monitoring Committee
memainkan peran penting dalam mendukung Dewan Komisaris, terutama played an important role in supporting the Board of Commissioners,
dalam mengidentifikasi, mengevaluasi, dan mengkaji berbagai aspek particularly in identifying, evaluating, and reviewing various risk aspects that
risiko yang dapat memengaruhi operasional dan stabilitas Bank. Selain itu, could affect the Bank’s operations and stability. In addition, the Risk Monitoring
Komite Pemantau Risiko secara konsisten memberikan arahan strategis dan Committee consistently provided strategic direction and recommendations
rekomendasi yang bermanfaat bagi pengembangan sistem manajemen risiko that were useful for developing a more comprehensive and adaptive risk
yang lebih komprehensif dan adaptif terhadap perubahan lingkungan bisnis. management system to changes in business environment. The contribution
Kontribusi Komite Pemantau Risiko telah memperkuat upaya Bank dalam of Risk Monitoring Committee strengthened the Bank’s efforts to maintain a
menjaga keseimbangan antara pencapaian target bisnis dan pengelolaan balance between achieving business targets and managing risks responsibly.
risiko secara bertanggung jawab.
Komite Remunerasi dan Nominasi: Remuneration and Nomination Committee:
Dewan Komisaris menilai bahwa Komite Remunerasi dan Nominasi telah The Board of Commissioners evaluated that the Remuneration and
melaksanakan tugas dan tanggung jawabnya secara efektif sepanjang Nomination Committee performed its duties and responsibilities effectively
tahun 2023. Komite Remunerasi dan Nominasi memberikan kontribusi yang throughout 2023. The Remuneration and Nomination Committee made
signifikan dalam mendukung tata kelola perusahaan dengan menyusun dan significant contribution to support corporate governance by preparing and
merekomendasikan sistem remunerasi yang sesuai dan kompetitif untuk recommending appropriate and competitive remuneration systems for the
Dewan Komisaris dan Direksi. Selain itu, Komite Remunerasi dan Nominasi Board of Commissioners and Board of Directors. In addition, the Remuneration
juga berperan penting dalam proses seleksi calon anggota Dewan Komisaris, and Nomination Committee also played an important role in selection process
Direksi, serta pihak independen yang akan menjadi anggota komite, dengan for candidates for the Board of Commissioners, Board of Directors, and
mempertimbangkan kualifikasi, integritas, dan kontribusi calon terhadap independent parties who might become committee member, by considering
tujuan jangka panjang Bank. Rekomendasi-rekomendasi tersebut membantu candidates’ qualifications, integrity, and contribution to the Bank’s long-term
memastikan bahwa Bank memiliki kepemimpinan yang berkualitas dan sejalan objectives. These recommendations helped ensure that the Bank had quality
dengan strategi Bank serta prinsip-prinsip GCG. leadership in line with the Bank’s strategy and GCG principles.
Penilaian Kinerja Komite dan Performance Assessment of
Organ Pendukung Direksi the Board of Directors’ Supporting
Committees and Organs
Prosedur dan Pihak yang Melakukan Penilaian Procedures and Party Assessing the
Kinerja Komite dan Organ Pendukung Direksi Performance of the Board of Directors’
Supporting Committees and Organs
Penilaian kinerja komite-komite di bawah Direksi dilakukan setiap Performance assessments of the committees under the Board of
tahun, baik secara individual maupun kolektif, untuk memastikan Directors are carried out every year, both individually and collectively,
efektivitas dan kontribusi masing-masing komite terhadap to ensure the effectiveness and contribution of each committee to
pencapaian tujuan Bank. Proses evaluasi ini mengikuti metode yang achieving the Bank’s objectives. This evaluation process follows the
telah ditetapkan dalam sistem yang diatur melalui keputusan Direksi, method established in the system set out by the Board of Directors’
sehingga memungkinkan penilaian yang objektif dan terukur. Direksi decision, thus allowing an objective and measurable assessment.
bertanggung jawab penuh dalam melaksanakan evaluasi ini, dengan The Board of Directors is fully responsible for carrying out this
tujuan untuk memastikan bahwa kinerja komite-komite tersebut evaluation, with the aim of ensuring that the performance of these
mendukung strategi bisnis yang lebih luas, sekaligus meningkatkan committees supports broader business strategy, while increasing
efisiensi operasional dan tata kelola yang baik. Hasil evaluasi operational efficiency and good governance. The evaluation
digunakan sebagai dasar dalam menyusun rencana pengembangan results are used as the basis for preparing development plans and
dan peningkatan kinerja di masa mendatang. improving performance in the future.
Kriteria Penilaian Komite dan Organ Pendukung Assessment Criteria of the Board of Directors’
Direksi Supporting Committees and Organs
Kriteria yang digunakan untuk menilai kinerja komite dan organ The criteria used to assess the performance of committees and
pendukung Direksi meliputi: supporting organs of the Board of Directors include:
1. Kehadiran dalam rapat Komite; 1. Attendance at Committee’s meetings;
2. Penguasaan materi yang akan dibahas; 2. Mastery of the material to be discussed;
3. Kesediaan menyediakan waktu dan upaya dalam memenuhi 3. Willingness to allocate time and efforts in fulfilling duties and
tugas dan tanggung jawab sebagai anggota Komite; responsibilities as Committee member;
4. Kesediaan berpartisipasi dalam kegiatan di luar kantor, seperti 4. Willingness to participate in activities outside the office, such as
kunjungan ke unit bisnis; visits to business units;
5. Kualitas dan saran yang diberikan dalam rapat-rapat; 5. Quality and advice given in the meetings;
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6. Terlaksananya pemantauan dan evaluasi, baik secara berkala 6. Implementation of monitoring and evaluation, whether
maupun tahunan, atas hal-hal yang menjadi bidang tugas dan periodically or annually, on matters that are the respective
tanggung jawab masing-masing Komite; areas of duties and responsibilities of each Committee;
7. Pemantauan dan koreksi penyimpangan; dan 7. Monitoring and correction of deviations; and
8. Terlaksananya pemantauan dan evaluasi terhadap divisi/unit 8. Implementation of monitoring and evaluation of divisions/units
yang terkait dengan bidang tugas dan tanggung jawab related to the respective areas of duties and responsibilities of
masing-masing Komite. each Committee.
Hasil Penilaian Kinerja Komite dan Performance Assessment Results of
Organ Pendukung Direksi the Board of Directors’ Supporting
Committees and Organs
Direksi menyimpulkan bahwa sepanjang tahun 2024, komite-komite The Board of Directors concluded that throughout 2024, the
dan organ pendukung di bawahnya telah menjalankan tugas dan committees and supporting organs under it performed their duties
tanggung jawabnya secara optimal dan efektif. Kesimpulan ini and responsibilities optimally and effectively. This conclusion
didasarkan pada evaluasi menyeluruh yang meliputi laporan berkala, is based on comprehensive evaluation that includes periodic
masukan, dan rekomendasi yang diberikan oleh masing-masing reports, input, and recommendations provided by each committee
komite sesuai dengan lingkup tugasnya. Selain itu, pelaksanaan in line with its scope of duties. In addition, the responsibility
tanggung jawab tiap organ pendukung dinilai sejalan dengan implementation of each supporting organ is considered in line with
strategi Bank dan RBB tahun 2024. Komite dan organ pendukung the Bank’s strategy and the Bank’s 2024 RBB. The committee and
tersebut juga berperan penting dalam membantu Direksi mengatasi supporting organs also play important roles in assisting the Board
tantangan bisnis, memastikan tata kelola yang baik, serta mendukung of Directors in overcoming business challenges, ensuring good
pencapaian target strategis yang telah ditetapkan. governance, and supporting the achievement of strategic targets set.
Pelatihan dan/atau Peningkatan Kompetensi
Dewan Komisaris dan Direksi [G-05]
Training and/or Competency Development for the Board of Commissioners and
Board of Directors
Kebijakan Pelatihan dan/atau Peningkatan Policy on Training and/or Competency
Kompetensi Dewan Komisaris dan Direksi Development for the Board of Commissioners
and Board of Directors
Bank Victoria memiliki kebijakan yang mendukung program Bank Victoria has a policy that supports professional training
pelatihan profesional bagi Dewan Komisaris dan Direksi sebagai programs for the Board of Commissioners and Board of Directors as
bagian dari upaya meningkatkan kompetensi serta efektivitas part of efforts to improve competency and performance effectiveness
kinerja dalam pengelolaan perusahaan. Program pengenalan dan in managing the company. The introduction and competency
peningkatan kompetensi dirancang untuk memastikan anggota development program is designed to ensure that members of the
Dewan Komisaris dan Direksi memiliki pemahaman menyeluruh Board of Commissioners and Board of Directors have a comprehensive
tentang peran, tanggung jawab, dan strategi perusahaan. understanding of their roles, responsibilities, and corporate strategies.
Selain itu, terdapat program peningkatan kompetensi seperti In addition, there are competency development programs such as
pelatihan, seminar, atau lokakarya yang dilakukan secara berkala. training, seminars, or workshops that are carried out periodically.
Anggota yang mengikuti program pelatihan wajib menyampaikan Members who attend the training program are required to submit
laporan dan berbagi pengetahuan kepada rekan lainnya untuk reports and share their knowledge with other colleagues to broaden
memperluas wawasan kolektif. Adapun pelatihan dan/atau collective insights. The training and/or competency development
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Tata Kelola Perusahaan
Good Corporate Governance
peningkatan kompetensi yang diikuti Dewan Komisaris dan Direksi attended by the Board of Commissioners and Board of Directors in
di tahun 2024, sebagai berikut: 2024 are as follows:
Dewan Komisaris
Board of Commissioners
Kehadiran
Materi Pelatihan dan Penyelenggara Attendance
Training Materials and Organizers Gunawan
Zaenal Abidin Ph.D Sia Leng Ho
Tenggarahardja
Expert Sharing: Keuangan Berkelanjutan dari Bank Victoria
Expert Sharing: Sustainable Finance from Bank Victoria
-
Dealing with Volatility, Uncertainty, Complexity, and Ambiguity (VUCA)
Challenges: Contextual Leadership Journey dari Bank Victoria
Dealing with Volatility, Uncertainty, Complexity, and Ambiguity (VUCA)
Challenges: Contextual Leadership Journey from Bank Victoria
Keanggotaan Wakil Manajer Investasi dari Perkumpulan Wakil Manajer
Investasi Indonesia
- -
Membership of Deputy Investment Manager from Indonesian Investment
Manager Representatives Association
Peluang dan Tantangan Open Finance di Indonesia Confirmation dari
Otoritas Jasa Keuangan
-
Opportunities and Challenges of Open Finance in Indonesia
Confirmation from the Financial Services Authority
Sharing Session “Menjalin Silaturahmi dalam Kebersamaan” dari
Bank Victoria
Sharing Session “Establishing Relationships in Togetherness” from
Bank Victoria
Program Pengkinian Sertifikasi Manajemen Risiko Jenjang 7 dari
PT Efektifpro Knowledge Source
-
Update Program of Risk Management Certification Level 7 from
PT Efektifpro Knowledge Source
Resertifikasi Manajemen Risiko Jenjang 7 dari Lembaga Sertifikasi
Profesi Perbankan
-
Recertification of Risk Management Level 7 from Banking Profession
Certification Institute
Resertifikasi Manajemen Risiko Jenjang 4 dan Jenjang 6 dari Lembaga
Sertifikasi Profesi Perbankan
- -
Recertification of Risk Management Level 4 and Level 6 from Banking
Profession Certification Institute
Refreshment Manajemen Risiko Level 1-4 Badan Sertifikasi Manajemen
Risiko dari PT Efektifpro Knowledge Source
Refreshment of Risk Management Level 1-4, Risk Management
Certification Institution from PT Efektifpro Knowledge Source
Expert Sharing Session “Peluang dan Tantangan Pembiayaan Bank Pada
Bisnis Model Multi Finance” dari Asosiasi Perusahaan Pembiayaan Indonesia
Expert Sharing Session “Opportunities and Challenges of Bank Financing
in Multi Finance Business Model” from Indonesian Financing Company
Association
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Direksi
Board of Directors
Kehadiran
Attendance
Materi Pelatihan dan Penyelenggara
Training Materials and Organizers Debora
Achmad
Rusli Lembing Wahjutirto Tamunan
Friscantono
Tanoyo
Expert Sharing: Keuangan Berkelanjutan dari Bank Victoria
Expert Sharing: Sustainable Finance from Bank Victoria
Dealing with Volatility, Uncertainty, Complexity, and Ambiguity (VUCA)
Challenges: Contextual Leadership Journey dari Bank Victoria
Dealing with Volatility, Uncertainty, Complexity, and Ambiguity (VUCA)
Challenges: Contextual Leadership Journey from Bank Victoria
Penyelarasan Manajemen Risiko Jenjang 7 “Meningkatkan Efektivitas Penerapan
Manajemen Risiko untuk Mewujudkan Industri Perbankan yang Berkelanjutan”
dari Bankers Association for Risk Management Perhimpunan Bank Nasional
-
Alignment Risk Management Level 7 “Improving the Effectiveness of Risk
Management Implementation to Realize a Sustainable Banking Industry”
from Bankers Association for Risk Management of National Bank Association
Webinar “Penanganan Kejahatan Perbankan dengan Berlakunya Undang-
Undang Pengembangan dan Penguatan Sektor Keuangan dan Peraturan
Otoritas Jasa Keuangan No. 16 Tahun 2023” dari Forum Komunikasi Dewan
Komisaris dan Dewan Pengawas
- - - -
Webinar “Handling Crimes in Banking with the Enactment of Law on
the Development and Strengthening of Financial Sector and Financial
Services Authority Regulation No. 16 of 2023” from Communication Forum
for Board of Commissioners and Supervisory Board
Sosialisasi Pelaksanaan Bye Laws dari Perhimpunan Bank Nasional –
Forum Komunikasi Dewan Komisaris dan Dewan Pengawas
- - - -
Dissemination of Implementation of Bye Laws from National Bank Association -
Communication Forum for Board of Commissioners and Supervisory Board
Webinar “Peran Undang-Undang Pengembangan dan Penguatan Sektor
Keuangan dalam Memberikan Efek Jera bagi Pelaku Jasa Keuangan Ilegal”
dari Otoritas Jasa Keuangan
- - - -
Webinar “The Role of Law on the Development and Strengthening of
Financial Sector in Providing Deterrent Effect for Illegal Financial Service
Offenders” from Financial Services Authority
“Indonesian Banking Road to Net Zero Emission” dari Otoritas Jasa
Keuangan
- - - -
“Indonesian Banking Road to Net Zero Emission” Event from Financial
Services Authority
Seminar “Debt Capital Market Seminar 2024: Outlook, Opportunity, and
Sustainability” dari PT Bursa Efek Indonesia
- - - -
Seminar “Debt Capital Market Seminar 2024: Outlook, Opportunity, and
Sustainability” from Indonesia Stock Exchange
Bloomberg Event - Teknologi Fixed Income, Currencies, and Commodities
Trading dari Bloomberg
- - - -
Bloomberg Event - Technology of Fixed Income, Currencies, and
Commodities Trading from Bloomberg
Peluang dan Tantangan Open Finance di Indonesia Confirmation dari
Otoritas Jasa Keuangan
- - - -
Opportunities and Challenges of Open Finance in Indonesia Confirmation
from the Financial Services Authority
Refreshment Tresuri Dealer Tingkat Advance dari Association Cambiste
Internationale Financial Markets Association Indonesia
- - -
Dealer Treasury Refreshment Level Advance from Association Cambiste
Internationale Financial Markets Association Indonesia
Sharing Session “Menjalin Silaturahmi dalam Kebersamaan” dari Bank Victoria
Sharing Session “Establishing Relationships in Togetherness” from Bank Victoria
Webinar “How to Prevent Accounting Fraud in Financial Sector” dari
Otoritas Jasa Keuangan
- - - -
Webinar “How to Prevent Accounting Fraud in Financial Sector” from
Financial Services Authority
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Tata Kelola Perusahaan
Good Corporate Governance
Kehadiran
Attendance
Materi Pelatihan dan Penyelenggara
Training Materials and Organizers Debora
Achmad
Rusli Lembing Wahjutirto Tamunan
Friscantono
Tanoyo
Training dan Outbond dari Bank Victoria
Training and Outbound from Bank Victoria
- - - -
Forum Penguatan Fungsi Governance, Risk, and Compliance: Diseminasi
Standar Audit Internal Terkini dari Otoritas Jasa Keuangan Institute
Forum for Strengthening Governance, Risk, and Compliance Functions: - - - -
Dissemination of the Latest Internal Audit Standards from Financial
Services Authority Institute
Program Pengkinian Sertifikasi Manajemen Risiko Jenjang 7 dari
PT Efektifpro Knowledge Source
-
Update Program of Risk Management Certification Level 7 from
PT Efektifpro Knowledge Source
Resertifikasi Manajemen Risiko Jenjang 5 dari Lembaga Sertifikasi Profesi
Perbankan
- - -
Recertification of Risk Management Level 5 from Banking Profession
Certification Institute
Resertifikasi Manajemen Risiko Jenjang 7 dari Lembaga Sertifikasi Profesi
Perbankan
- - -
Recertification of Risk Management Level 7 from Banking Profession
Certification Institute
Webinar “Understanding the Climate Landscape for Financial Institutions”
dari Otoritas Jasa Keuangan Institute
- - - -
Webinar “Understanding the Climate Landscape for Financial Institutions”
from Financial Services Authority Institute
Seminar Internasional “Optimalisasi Kolaborasi dalam Mencegah dan
Menangani Green Financial Crime di Indonesia Menuju Indonesia Emas
2045” dari Forum Komunikasi Dewan Komisaris dan Dewan Pengawas
International Seminar “Optimizing Collaboration in Preventing and - - - -
Handling Green Financial Crime in Indonesia Towards Golden Indonesia
2045” from Communication Forum for Board of Commissioners and
Supervisory Board
Focus Group Discussion – Tindak Lanjut Komitmen Rembuk Nasional
Pusat Pelaporan dan Analisis Transaksi Keuangan – Forum Komunikasi
Dewan Komisaris dan Dewan Pengawas dari Forum Komunikasi Dewan
Komisaris dan Dewan Pengawas
Focus Group Discussion – Follow-up on the Commitment of National - - - -
Consultation of Financial Transaction Reports and Analysis Center –
Communication Forum for Board of Commissioners and Supervisory
Board from the Communication Forum for Board of Commissioners and
Supervisory Board
Awareness Penerapan Peraturan Otoritas Jasa Keuangan Perlindungan
Konsumen dan Undang-Undang Perlindungan Data Pribadi dari RSM
- -
Awareness of Implementation of Financial Services Authority Regulations
on Consumer Protection and Personal Data Protection Law from RSM
Focus Group Discussion “Persamaan Persepsi Perizinan Penilaian
Kemampuan dan Kepatutan Kepengurusan dan Kepemilikan Bank Umum”
dari Otoritas Jasa Keuangan
- - - -
Focus Group Discussion “Similar Perception of Licensing for Assessment of
Capability and Properness of Management and Ownership of Commercial
Banks” from Financial Services Authority
Perhimpunan Bank Nasional Chief Financial Officer Forum II - 2024
“Navigating for Sustainability: Financial Leadership in a Changing World”
dari Perhimpunan Bank Nasional
- - - -
National Bank Association, Chief Financial Officer Forum II - 2024
“Navigating for Sustainability: Financial Leadership in a Changing World”
from National Bank Association
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Kehadiran
Attendance
Materi Pelatihan dan Penyelenggara
Training Materials and Organizers Debora
Achmad
Rusli Lembing Wahjutirto Tamunan
Friscantono
Tanoyo
Refreshment Manajemen Risiko Level 1-4 Badan Sertifikasi Manajemen
Risiko dari PT Efektifpro Knowledge Source
-
Refreshment of Risk Management Level 1-4, Risk Management Certification
Institution from PT Efektifpro Knowledge Source
Expert Sharing Session “Peluang dan Tantangan Pembiayaan Bank Pada
Bisnis Model Multi Finance” dari Asosiasi Perusahaan Pembiayaan Indonesia
Expert Sharing Session “Opportunities and Challenges of Bank Financing
in Multi Finance Business Model” from Indonesian Financing Company
Association
Training Outlook Ekonomi 2025 “Menyikapi Kondisi Geopolitik Baru Beserta
Dampaknya secara Makro dan Mikro di Tahun 2025” dari One Point Indonesia
Economic Outlook Training 2025 “Responding to New Geopolitical Conditions
and Their Macro and Micro Impacts in 2025” from One Point Indonesia
Program Orientasi bagi Anggota Orientation Program for Newly Appointed
Dewan Komisaris dan Direksi Members of Board of Commissioners and
yang Baru Diangkat Board of Directors
Bank Victoria menyelenggarakan program orientasi bagi anggota Bank Victoria holds orientation program for newly appointed
Dewan Komisaris dan Direksi yang baru diangkat. Program ini members of the Board of Commissioners and Board of Directors.
dipimpin oleh Corporate Secretary, dengan tujuan memberikan This program is led by the Corporate Secretary, with the aim of
pemahaman mendalam mengenai visi, misi, dan nilai-nilai Bank, serta providing an in-depth understanding of the Bank’s vision, mission,
tanggung jawab dan peran Dewan Komisaris dan Direksi. Orientasi and values, as well as the responsibilities and roles of the Board of
juga mencakup penjelasan mengenai struktur organisasi, strategi Commissioners and Board of Directors. The orientation also includes
bisnis, dan tata kelola perusahaan yang diterapkan. Dengan demikian, explanation of the organizational structure, business strategy, and
anggota baru diharapkan dapat segera beradaptasi dan berkontribusi corporate governance implemented. Thus, the new members
secara efektif dalam pengambilan keputusan strategis. are expected to adapt immediately and contribute effectively to
strategic decision-making.
Penanganan Benturan Kepentingan
Dewan Komisaris dan Direksi [G-09]
Handling of Conflict of Interests of the Board of Commissioners and
Board of Directors
Anggota Dewan Komisaris dan Direksi dilarang berada dalam situasi Members of the Board of Commissioners and Board of Directors are
di mana kepentingan pribadi mereka bertentangan dengan prohibited from being in a situation in which their personal interests
kepentingan Bank. Jika terjadi benturan kepentingan, anggota yang conflict with the interests of the Bank. In the event a conflict of
bersangkutan wajib mengungkapkannya dan tidak diperbolehkan interest occurs, the member concerned is required to disclose it
terlibat dalam proses pengambilan keputusan yang terkait dengan and is not allowed to be involved in the decision-making process
konflik tersebut. Hal ini dilakukan untuk memastikan bahwa keputusan related to such conflict. This is carried out to ensure that the Bank’s
Bank tetap objektif dan berdasarkan kepentingan terbaik Bank. decisions remain objective and are based on the best interests of
the Bank.
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Tata Kelola Perusahaan
Good Corporate Governance
Sebagai langkah pencegahan, Bank Victoria menekankan pentingnya As a preventive measure, Bank Victoria emphasizes the importance
transparansi dengan mewajibkan pengungkapan kepentingan pribadi of transparency by requiring disclosure of personal interests that
yang dapat memengaruhi objektivitas pengambilan keputusan. may affect the objectivity of decision-making. In situation of any
Dalam situasi benturan kepentingan, proses pengambilan keputusan conflict of interest, the decision-making process will be transferred
akan dialihkan kepada pihak independen atau anggota lain yang tidak to an independent party or other member who has no conflict of
memiliki konflik kepentingan. interest.
Mekanisme Pengunduran Diri dan
Pemberhentian Dewan Komisaris dan Direksi
Resignation and Dismissal Mechanism of the Board of Commissioners and
Board of Directors
Mekanisme Pengunduran Diri Resignation Mechanism
Berdasarkan Anggaran Dasar, mekanisme pengunduran diri Based on the Articles of Association, the resignation mechanism
Dewan Komisaris dan Direksi Bank sebagai berikut: of the Bank’s Board of Commissioners and Board of Directors is as
follows:
1. Seorang anggota Dewan Komisaris dan Direksi dapat 1. A member of the Board of Commissioners and Board of Directors
mengundurkan diri dari jabatannya dengan menyampaikan may resign from the position by submitting a written request to
permohonan secara tertulis kepada Bank; the Bank;
2. Bank Wajib menyelenggarakan RUPS untuk memutuskan 2. The Bank is required to hold a GMS to resolve on resignation
permohonan pengunduran diri anggota Direksi dalam jangka request of members of the Board of Directors within 90 days
waktu 90 hari setelah diterimanya surat pengunduran diri; after receipt of the resignation letter;
3. Bank wajib melakukan keterbukaan informasi kepada masyarakat 3. The Bank is required to disclose information to the public
dan menyampaikan kepada Otoritas Jasa Keuangan paling and submit it to the Financial Services Authority no later than
lambat 2 (dua) hari kerja setelah diterimanya permohonan 2 (two) working days after receiving the request for resignation
pengunduran diri Direksi; dan of the Board of Directors; and
4. Jika oleh suatu sebab jabatannya anggota Direksi kosong, dan 4. In the event that one position of Board of Directors is vacant,
jumlah anggota Direksi menjadi kurang dari 3 (tiga) orang, maka and the number of the Board of Directors is less than 3 (three)
selambat-lambatnya 90 hari kalender setelah kekosongan members, then no later than 90 calendar days after the
itu harus diadakan RUPS untuk mengisi kekosongan tersebut vacancy, a GMS must be held to fill the vacancy by considering
dengan memperhatikan peraturan perundang-undangan yang the applicable laws and regulations in the capital market.
berlaku di bidang pasar modal.
Mekanisme Pemberhentian Dismissal Mechanism
Selain mengundurkan diri dengan sukarela, Dewan Komisaris dan In addition to voluntarily resigning, the Board of Commissioners
Direksi dapat diberhentikan sewaktu-waktu melalui mekanisme and Board of Directors may be dismissed at any time through the
berikut: following mechanisms:
1. Anggota Dewan Komisaris dan Direksi dapat diberhentikan 1. Members of the Board of Commissioners and Board of Directors
untuk sementara oleh RUPS dengan dengan menyebutkan can be suspended by the GMS by stating the reasons after the
alasannya setelah anggota Dewan Komisaris dan Direksi yang members of the Board of Commissioners and Board of Directors
bersangkutan diberi kesempatan untuk membela diri; concerned are given a chance to defend themselves;
2. Anggota Direksi dapat diberhentikan untuk sementara oleh 2. Members of the Board of Directors may be suspended by the
Dewan Komisaris dengan menyebutkan alasannya; Board of Commissioners by stating the reasons;
3. Pemberhentian sementara anggota Direksi wajib disampaikan 3. The suspension of a member of the Board of Directors must be
secara tertulis; conveyed in writing;
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4. Dewan Komisaris harus menyelenggarakan RUPS untuk mencabut 4. The Board of Commissioners must hold a GMS to revoke or
atau menguatkan keputusan pemberhentian sementara; confirm the suspension decision;
5. RUPS wajib diselenggarakan dalam jangka waktu paling lambat 5. The GMS must be held no later than 90 days after the
90 hari setelah tanggal pemberhentian sementara; suspension date;
6. Jika dalam waktu yang ditentukan RUPS tidak dapat mengambil 6. If within the specified time the GMS cannot adopt a resolution,
keputusan, maka pemberhentian sementara menjadi batal; then the suspension will be cancelled;
7. Anggota Direksi yang diberhentikan sementara tidak berwenang 7. Members of the Board of Directors who are suspended are
untuk menjalankan kepengurusan Bank dan mewakili Bank not authorized to carry out the management of the Bank and
di dalam maupun di luar pengadilan; represent the Bank in or out of court;
8. Batas kewenangan anggota Direksi berlaku sejak dikeluarkannya 8. The limits of authority of the Board of Directors’ members
keputusan pemberhentian sementara oleh Dewan Komisaris apply from the issuance of a suspension decision by the Board
sampai dengan dikeluarkannya keputusan RUPS yang of Commissioners until the issuance of a GMS resolution
menguatkan atau membatalkan pemberhentian sementara dan confirming or canceling the suspension and until the time
terlampauinya jangka waktu penyelenggaraan RUPS; dan period for holding the GMS is exceeded; and
9. Apabila anggota Direksi yang diberhentikan sementara 9. If the suspended members of the Board of Directors do not
tersebut tidak hadir dalam RUPS maka anggota Direksi attend the GMS, such members are deemed not to have
yang diberhentikan sementara tersebut dianggap tidak exercised their right to defend themselves at the GMS,
menggunakan haknya untuk membela dirinya dalam RUPS, thus the suspended members of the Board of Directors accept
dengan demikian anggota Direksi yang diberhentikan the GMS resolutions.
sementara tersebut menerima keputusan RUPS.
Keberagaman Manajemen dan Independensi [G-01]
Management Diversity and Independence
Bank Victoria memastikan keberagaman dan independensi dalam Bank Victoria ensures diversity and independence in the
struktur manajemen sebagai langkah mendukung keberlanjutan management structure as a step to support the company’s
perusahaan dan penerapan GCG. Keberagaman ini terlihat sustainability and the implementation of GCG. This diversity is seen
dari representasi gender dalam Dewan Komisaris dan Direksi, from gender representation in the Board of Commissioners and
serta adanya jumlah pihak independen yang tidak memiliki Board of Directors, as well as the number of independent parties
hubungan kepentingan dengan Pemegang Saham, manajemen, with no interest in the Shareholders, management, or the company,
atau perusahaan, sehingga dapat menjalankan fungsi pengawasan allowing them to perform their supervisory function neutrally,
secara netral, transparan, dan bebas dari konflik kepentingan. transparently, and free from any conflicts of interest.
Adapun informasi mengenai jumlah anggota Dewan Komisaris dan Information on the total members of the Board of Commissioners and
Direksi, termasuk komposisi gender dan pihak independen yang Board of Directors, including gender composition and independent
menjabat di tahun 2024, dapat dilihat pada tabel berikut: parties serving in 2024, can be seen in the following table:
Tipe Manajemen Perusahaan Pria Wanita Jumlah Pihak Independen
Company Management Type Male Female Total Independent Parties
Dewan Komisaris
3 - 2
Board of Commissioners
Direksi
4 1 -
Board of Directors
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Tata Kelola Perusahaan
Good Corporate Governance
Kebijakan Pemisahan Fungsi Komisaris Utama
dan Direktur Utama [G-03]
Policy on Separation of Functions of President Commissioner and
President Director
Untuk memastikan penerapan GCG dan mendukung keberlanjutan To ensure GCG implementation and support business sustainability,
bisnis, Bank Victoria menerapkan kebijakan pemisahan peran antara Bank Victoria implements the policy of separating roles between
Dewan Komisaris dan Direksi yang masing-masing dipimpin oleh the Board of Commissioners and Board of Directors, each led by the
Komisaris Utama dan Direktur Utama. Pemisahan peran antara President Commissioner and President Director. The separation of
pengawasan dan pengelolaan operasional tercermin dalam BOC roles between supervision and operational management is reflected
Charter No. 001/SK-KOM/12/23 tanggal 6 Desember 2023 tentang in BOC Charter No. 001/SK-KOM/12/23 dated 6 December 2023 on
Pedoman dan Tata Tertib Kerja Board of Commissioners Charter Charter and Work Guidelines of the Board of Commissioners Charter
dan BOD Charter No. 006A/SK-DIR/12/23 tanggal 6 Desember 2023 and BOD Charter No. 006A/SK-DIR/12/23 dated 6 December
tentang Pedoman dan Tata Tertib Kerja Direksi (Board of Directors 2023 on Guidelines and Procedures of the Board of Directors
Charter). (Board of Directors Charter).
Zaenal Abidin Ph.D sebagai Komisaris Utama bertugas memimpin Zaenal Abidin Ph.D as President Commissioner is in charge
Dewan Komisaris untuk memastikan efektivitas pengawasan dan of leading the Board of Commissioners to ensure the
pemberian arahan strategis. Sementara itu, Achmad Friscantono effectiveness of supervision and provision of strategic direction.
sebagai Direktur Utama berfokus pada pengelolaan operasional Meanwhile, Achmad Friscantono as President Director focuses on
perusahaan, memastikan pencapaian target kinerja, dan eksekusi managing the company’s operations, ensuring the achievement of
strategi bisnis. performance targets, and executing business strategies.
Kebijakan Remunerasi dan Nominasi
Dewan Komisaris dan Direksi
Policy on Remuneration and Nomination of the Board of Commissioners and
Board of Directors
Kebijakan Nominasi Nomination Policy
Bank Victoria menjalankan kebijakan nominasi Dewan Komisaris dan Bank Victoria implements the nomination policy for the Board of
Direksi dengan fokus pada transparansi, integritas, dan kompetensi. Commissioners and Board of Directors with a focus on transparency,
Komite Remunerasi dan Nominasi bertanggung jawab menyusun integrity, and competency. The Remuneration and Nomination
sistem nominasi yang sesuai dengan prinsip GCG, yang menjadi Committee is responsible for preparing nomination system in
pedoman bagi Dewan Komisaris dan RUPS dalam menetapkan accordance with GCG principles, which serves as the guidelines
nominasi serta remunerasi anggota Dewan Komisaris dan Direksi. for the Board of Commissioners and the GMS in determining
the nomination and remuneration of members of the Board of
Commissioners and Board of Directors.
Proses Seleksi Calon Anggota Selection Process for Candidates for
Dewan Komisaris dan Direksi the Board of Commissioners and Board of Directors
Proses seleksi calon anggota Dewan Komisaris dan Direksi The selection process of candidates for the Board of Commissioners
di Bank Victoria dilakukan melalui beberapa tahapan. Komite and Board of Directors at Bank Victoria is carried out through
Remunerasi dan Nominasi terlebih dahulu mengidentifikasi kandidat several phases. The Remuneration and Nomination Committee first
yang memenuhi kriteria yang ditetapkan. Setelah itu, Dewan identifies candidates who meet the established criteria. After that,
Komisaris menyampaikan kandidat terpilih kepada Pemegang the Board of Commissioners submits the selected candidates to the
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Saham berdasarkan saran dari Komite Remunerasi dan Nominasi. Shareholders based on the recommendations of Remuneration and
Proses seleksi ini dilaksanakan sebelum masa jabatan berakhir, saat Nomination Committee. This selection process is carried out prior
diperlukan, atau ketika terjadi kekosongan di posisi Direksi. to the end of term of office, when necessary, or when there is a
vacancy in the Board of Directors position.
Kriteria Khusus Pemilihan Dewan Komisaris Specific Criteria for the Selection of Board of
dan Direksi [G-06] Commissioners and Board of Directors [G-06]
Berdasarkan BOC Charter dan BOD Charter calon anggota Based on the BOC Charter and BOD Charter, candidates for the
Dewan Komisaris dan Direksi harus memenuhi syarat sebagai Board of Commissioners and Board of Directors shall meet the
berikut: following requirements:
1. Persyaratan Formal 1. Formal Requirements
a. Cakap melakukan perbuatan hukum; a. Capable in performing legal actions;
b. Dalam 5 (lima) tahun sebelum pengangkatan dan selama b. Within 5 (five) years before appointment and during
menjabat: the term of office:
1) Tidak pernah dinyatakan pailit; 1) Never been declared bankrupt;
2) Tidak pernah menjadi anggota Dewan Komisaris dan/ 2) Never become a member of Board of Commissioners
atau Direksi yang dinyatakan bersalah menyebabkan and/or Board of Directors who is found guilty of
suatu bank dinyatakan pailit; causing a bank to be declared bankrupt;
3) Tidak pernah dihukum karena melakukan tindak 3) Never been punished for committing a criminal act
pidana yang merugikan keuangan negara dan/atau that is detrimental to state finances and/or related to
yang berkaitan dengan sektor keuangan; serta the financial sector; and
4) Tidak pernah menjadi anggota Dewan Komisaris 4) Never been a member of Board of Commissioners
dan/atau Direksi yang selama menjabat: and/or Board of Directors who during the term of office:
• Pernah tidak menyelenggarakan RUPS Tahunan; • Has ever not convening an Annual GMS;
• Pertanggungjawabannya sebagai anggota • Has ever had his/her accountability as the
Dewan Komisaris dan/atau Direksi pernah tidak member of Board of Commissioners and/or Board
diterima oleh RUPS atau pernah tidak memberikan of Directors rejected by the GMS or has ever been
pertanggungjawaban sebagai anggota Dewan absent in giving his/her accountability as the
Komisaris dan/atau Direksi kepada RUPS; dan member of Board of Commissioners and/ or Board
of Directors to the GMS; and
• Pernah menyebabkan Bank yang memperoleh • Has ever caused a Bank that obtains permit,
izin, persetujuan, atau pendaftaran dari Otoritas approval, or registration from the Financial Services
Jasa Keuangan tidak memenuhi kewajiban Authority not to fulfill its obligation to submit its
menyampaikan Laporan Tahunan dan/atau Laporan Annual Report and/or Financial Statements to
Keuangan kepada Otoritas Jasa Keuangan. the Financial Services Authority.
2. Persyaratan Material 2. Material Requirements
a. Mempunyai akhlak, moral, dan integritas yang baik; a. Have good character, morals, and integrity;
b. Memiliki komitmen untuk mematuhi peraturan b. Has a commitment to comply with the laws and regulations;
perundang-undangan; dan and
c. Memiliki pengetahuan dan/atau keahlian di bidang yang c. Has knowledge and/or expertise in the field required to
dibutuhkan untuk menjalankan tugasnya. perform the duties.
3. Persyaratan Lainnya 3. Other Requirements
a. Anggota Dewan Komisaris tidak diperkenankan merangkap a. Members of the Board of Commissioners are not allowed
jabatan sebagai anggota Direksi, anggota Dewan Komisaris, to concurrently hold position as a member of Board of
atau Pejabat Eksekutif pada lembaga keuangan (bank atau Directors, member of Board of Commissioners, or Executive
non-bank) dan pada lebih dari 1 (satu) perusahaan bukan Officer in other financial institutions (bank or non-bank)
lembaga keuangan baik yang berkedudukan di dalam and in more than 1 (one) non-financial institutions, either in
negeri atau luar negeri; Indonesia or overseas;
b. Anggota Dewan Komisaris tidak termasuk rangkap b. Members of the Board of Commissioners do not hold
jabatan apabila menjabat sebagai Direksi, anggota Dewan concurrent position if holding a position as the Board of
Komisaris, atau Pejabat Eksekutif yang melaksanakan Directors, members of Board of Commissioners, or Executive
fungsi pengawasan pada 1 (satu) Entitas Anak Bank yang Officer performing the supervision function in 1 (one) of the
dikendalikan oleh Bank (konsolidasi); Bank’s subsidiary controlled by the Bank (consolidated);
c. Komisaris non-independen tidak termasuk rangkap jabatan c. Non-independent Commissioner does not hold a
dalam menjalankan tugas fungsional dari Pemegang Saham concurrent position in performing its functional duty from
yang berbentuk badan hukum pada kelompok usaha Bank; a legal entity Shareholder in the Banking business group;
dan and
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Tata Kelola Perusahaan
Good Corporate Governance
d. Anggota Direksi dilarang memangku jabatan rangkap, apabila d. The member of Board of Directors are not allowed to hold
jabatan rangkap tersebut bertentangan dengan peraturan concurrent positions if they are contrary to the laws and
perundang-undangan dan/atau apabila jabatan rangkap regulations and/or if they possibly lead to the conflict of
tersebut mungkin dapat menimbulkan benturan kepentingan. interest.
Kriteria Pemilihan Ulang Dewan Komisaris dan Criteria for Re-election of Board of Commissioners
Direksi [G-06] and Board of Directors [G-06]
Sebagai lembaga keuangan yang berkomitmen terhadap GCG, As a financial institution committed to GCG, Bank Victoria places the
Bank Victoria menempatkan pemilihan ulang Dewan Komisaris re-election of the Board of Commissioners and Board of Directors
dan Direksi sebagai prioritas utama dalam menjaga keberlanjutan as a top priority in maintaining the sustainability of the company’s
kinerja perusahaan. Proses ini dilaksanakan dengan mengacu pada performance. This process is carried out by referring to measurable
kriteria-kriteria yang terukur dan relevan untuk memastikan and relevant criteria to ensure competent, integrated leadership
kepemimpinan yang kompeten, berintegritas, dan selaras dengan that is in line with the company’s needs and in accordance with
kebutuhan perusahaan serta sesuai dengan keputusan RUPS. GMS resolutions.
Kebijakan Remunerasi Dewan Komisaris Remuneration Policy of the Board of
dan Direksi Commissioners and Board of Directors
Kebijakan remunerasi Dewan Komisaris dan Direksi merupakan The remuneration policy for the Board of Commissioners and Board
upaya Bank dalam memberikan imbalan kepada Dewan Komisaris of Directors is the Bank’s effort to provide compensation to the
dan Direksi yang disesuaikan dengan kemampuan Bank dengan Board of Commissioners and Board of Directors that is adjusted to
tetap memperhatikan ketahanan dan kelangsungan usaha Bank. the Bank’s capabilities, while still considering the Bank’s business
Pemberian remunerasi kepada Dewan Komisaris dan Direksi Bank resilience and continuity. The provision of remuneration to the
mengacu pada Keputusan Dewan Komisaris No. 001/SK-KOM/01/24 Bank’s Board of Commissioners and Board of Directors refers to
tanggal 5 Januari 2024 tentang Pedoman dan Tata Tertib Komite Board of Commissioners’ Decision No. 001/SK-KOM/01/24 dated
Remunerasi dan Nominasi PT Bank Victoria International Tbk, 5 January 2024 on the Guidelines and Procedures of Remuneration
yang disusun berdasarkan Peraturan Otoritas Jasa Keuangan and Nomination Committee of PT Bank Victoria International Tbk,
No. 45/POJK.03/2015 dan Surat Edaran Otoritas Jasa Keuangan prepared based on the Financial Services Authority Regulation
No. 40/SEOJK.03/2016 tentang Penerapan Kelola dalam Pemberian No. 45/POJK.03/2015 and Financial Services Authority Circular
Remunerasi bagi Bank Umum. No. 40/SEOJK.03/2016 on Implementation of Governance in Providing
Remuneration for Commercial Banks.
Prosedur penetapan remunerasi bagi Dewan Komisaris dan Direksi The procedure for determining remuneration for the Board of
sebagai berikut: Commissioners and Board of Directors is as follows:
1. Komite Remunerasi dan Nominasi melakukan kajian terhadap 1. The Remuneration and Nomination Committee reviews the
kinerja dan memberikan usulan remunerasi bagi Direksi dan performance and provides a remuneration proposal for the
Dewan Komisaris dengan memperhatikan beberapa indikator Board of Directors and Board of Commissioners by considering
tertentu; several specific indicators;
2. Komite Remunerasi dan Nominasi menyampaikan rekomendasi 2. The Remuneration and Nomination Committee submits a
usulan jenis dan jumlah remunerasi kepada Dewan Komisaris; recommendation on the type and amount of remuneration to
the Board of Commissioners;
3. Dewan Komisaris mengusulkan penetapan remunerasi kepada 3. The Board of Commissioners proposes the determination of
RUPS; dan remuneration to the GMS; and
4. RUPS menetapkan besaran remunerasi bagi Dewan Komisaris 4. GMS determines the remuneration amount for the Board of
dan Direksi. Commissioners and Board of Directors.
Prosedur Penetapan Remunerasi Procedure for Determining Remuneration for
Dewan Komisaris dan Direksi the Board of Commissioners and Board of Directors
Prosedur penetapan remunerasi bagi Dewan Komisaris dan Direksi The procedure for determining remuneration for the Board of
sebagai berikut: Commissioners and Board of Directors is as follows:
1. Komite Remunerasi dan Nominasi melakukan kajian terhadap 1. The Remuneration and Nomination Committee reviews the
kinerja dan memberikan usulan remunerasi bagi Direksi dan performance and provides a remuneration proposal for the
Dewan Komisaris dengan memperhatikan beberapa indikator Board of Directors and Board of Commissioners by considering
tertentu; several specific indicators;
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2. Komite Remunerasi dan Nominasi menyampaikan rekomendasi 2. The Remuneration and Nomination Committee submits a
usulan jenis dan jumlah remunerasi kepada Dewan Komisaris; recommendation on the type and amount of remuneration to
the Board of Commissioners;
3. Dewan Komisaris mengusulkan penetapan remunerasi kepada 3. The Board of Commissioners proposes the determination of
RUPS; dan remuneration to the GMS; and
4. RUPS menetapkan besaran remunerasi bagi Dewan Komisaris 4. GMS determines the remuneration amount for the Board of
dan Direksi. Commissioners and Board of Directors.
Jenis dan Indikator Penetapan Remunerasi Types and Indicators to Determine Remuneration
Dewan Komisaris dan Direksi for the Board of Commissioners and
Board of Directors
Penetapan remunerasi bagi Dewan Komisaris dan Direksi Bank The determination of remuneration for the Bank’s Board of
mempertimbangkan beberapa faktor, seperti skala dan kompleksitas Commissioners and Board of Directors considers several factors,
usaha, kelompok pembanding (peer group), tingkat inflasi, kondisi such as business scale and complexity, comparison group (peer
serta kemampuan keuangan Bank, dan selalu sesuai dengan group), inflation rate, condition and financial capacity of the Bank,
peraturan yang berlaku. Remunerasi variabel dirancang khusus and is always in accordance with the applicable regulations. Variable
untuk mendorong pengambilan risiko yang bijaksana dengan remuneration is specifically designed to encourage prudent risk
memperhatikan risiko utama yang memengaruhi kegiatan usaha. taking by considering main risks that affect business activities.
Berdasarkan regulasi dan kebijakan internal, remunerasi Dewan Based on regulations and internal policies, the remuneration for
Komisaris dan Direksi mencakup 2 (dua) jenis, yaitu: the Board of Commissioners and Board of Directors includes
2 (two) types, namely:
1. Remunerasi yang Bersifat Tetap 1. Fixed Remuneration
Diberikan dalam bentuk tunai dan/atau non-tunai, tidak terkait Given in cash and/or non-cash, not related to performance or
dengan kinerja atau risiko, dan mencakup gaji pokok, fasilitas, risk, and includes basic salary, facilities, housing allowances,
tunjangan perumahan, kesehatan, pendidikan, tunjangan hari health, education, holiday allowance, and pension program.
raya, serta program pensiun.
2. Remunerasi yang Bersifat Variabel 2. Variable Remuneration
Remunerasi yang terkait dengan kinerja dan risiko, diberikan Remuneration related to performance and risk, given in cash or
dalam bentuk tunai maupun saham atau instrumen berbasis shares or share-based instruments issued by the Bank. It can be
saham yang diterbitkan oleh Bank. Bentuknya dapat berupa in form of bonus or other equivalent incentives.
bonus atau insentif lainnya yang setara.
Pelaksanaan Kaji Ulang dan Independensi Review and Independence of Remuneration
Penerapan Kebijakan Remunerasi Policy Implementation
Untuk menjamin independensi dalam pemberian remunerasi bagi To ensure independence in providing remuneration for all employees,
seluruh karyawan, termasuk karyawan di unit kontrol, Bank Victoria including employees in the control unit, Bank Victoria conducts
melakukan evaluasi kinerja dan penetapan remunerasi di bawah performance evaluations and remuneration determinations under
pengawasan dan kajian Komite Remunerasi dan Nominasi. Bank the supervision and review of the Remuneration and Nomination
juga secara rutin melakukan tinjauan kebijakan remunerasi, dengan Committee. The Bank also regularly reviews its remuneration policy,
mempertimbangkan faktor-faktor seperti kinerja, risiko, kesesuaian by considering factors such as performance, risk, suitability with
dengan peer group, sasaran dan strategi jangka panjang, peer groups, long-term goals and strategies, fulfillment of reserves
pemenuhan cadangan sesuai dengan regulasi yang berlaku, serta in accordance with the applicable regulations, and potential income
potensi pendapatan di masa depan. in the future.
Penetapan Material Risk Takers Establishing Material Risk Takers
Penetapan Material Risk Takers (MRT) dilakukan berdasarkan The establishment of Material Risk Takers (MRT) is carried out based
2 (dua) pendekatan berikut: on the following 2 (two) approaches:
1. Metode kualitatif, yaitu MRT ditetapkan berdasarkan tanggung 1. Qualitative method, in which MRT is determined based on
jawab yang memengaruhi profil risiko utama Bank, dengan responsibility that affects the Bank’s main risk profile, with risk
evaluasi profil risiko dilakukan setiap tahun; dan profile evaluation carried out annually; and
2. Metode kuantitatif, yaitu penetapan MRT dilakukan melalui 2. Quantitative method, in which the determination of MRT
analisis perbandingan remunerasi variabel antara MRT dan is carried out through a comparative analysis of variable
karyawan non-MRT dengan mempertimbangkan kinerja serta remuneration between MRT and non-MRT employees by
tingkat risiko dari posisi tersebut. considering their performance and positional risk level.
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Tata Kelola Perusahaan
Good Corporate Governance
Oleh karena itu, Dewan Komisaris, Direksi, atau karyawan yang Therefore, the Board of Commissioners, Board of Directors, or
menerima remunerasi variabel dalam jumlah besar dikategorikan employees receiving large amounts of variable remuneration are
sebagai MRT. categorized as the MRT.
Penangguhan atau Penarikan Kembali Remunerasi Remuneration Suspension or Clawback
Remunerasi untuk Dewan Komisaris dan Direksi dapat ditangguhkan Remuneration for the Board of Commissioners and Board of
atau ditarik kembali apabila Bank mengalami kerugian yang Directors may be suspended or clawback if the Bank suffers a loss
menyebabkan remunerasi tidak dapat diberikan secara penuh which causes remuneration unable to be given in full or only in form
atau hanya dalam bentuk variabel dengan jumlah yang kecil. of variable with a small amount. This provision is in accordance with
Ketentuan ini sesuai dengan regulasi pemberian remunerasi bagi the regulation on providing remuneration for Commercial Banks. In
Bank Umum. Selain itu, Bank wajib menangguhkan atau menarik addition, the Bank must suspend or withdraw variable remuneration
kembali remunerasi variabel bagi Dewan Komisaris dan Direksi for the Board of Commissioners and Board of Directors (malus or
(malus atau clawback) jika terjadi kerugian akibat kondisi yang clawback) if a loss occurs due to conditions that cause losses to the
merugikan keuangan Bank, seperti kasus fraud oleh individu yang Bank’s finances, such as cases of fraud by individuals categorized
dikategorikan sebagai MRT, atau situasi lainnya. Penangguhan ini as MRT, or other situations. This suspension lasts for a minimum of
berlangsung minimal 3 (tiga) tahun dan dapat diperpanjang sesuai 3 (three) years and can be extended according to the risk period
dengan periode risiko yang dihadapi. Dalam kondisi ini, Dewan faced. In this condition, the Board of Commissioners and Board
Komisaris dan Direksi tidak diperbolehkan melakukan lindung nilai of Directors are not allowed to hedge on the deferred variable
atas remunerasi variabel yang ditangguhkan. remuneration.
Kaitan Remunerasi dengan Risiko dan Kinerja Connection of Remuneration with Risk
and Performance
Remunerasi variabel untuk Dewan Komisaris dan Direksi ditetapkan Variable remuneration for the Board of Commissioners and Board
dengan mempertimbangkan risiko utama yang dihadapi oleh Bank, of Directors is determined by considering the main risks faced by
dengan evaluasi berdasarkan kriteria dan dampak risiko tersebut. the Bank, with an evaluation based on the criteria and impact of
Jika risiko utama terjadi, remunerasi bagi Dewan Komisaris dan the risk. If the main risk occurs, the remuneration for the Board of
Direksi sebagai MRT akan terpengaruh. Penilaian kinerja dilakukan Commissioners and Board of Directors as the MRT will be affected.
baik secara individu maupun kolegial, dan hasil penilaian ini menjadi Performance assessments are carried out both individually and
dasar bagi Komite Remunerasi dan Nominasi untuk memberikan collegially, and the results of this assessment serve the basis
rekomendasi kepada Dewan Komisaris terkait besaran remunerasi for the Remuneration and Nomination Committee to provide
yang tepat. Rekomendasi ini kemudian diajukan kepada RUPS untuk recommendations to the Board of Commissioners regarding the
penetapan akhir remunerasi. appropriate amount of remuneration. This recommendation is then
submitted to the GMS for final determination of remuneration.
Konsultan Terkait Kebijakan Remunerasi Consultant Regarding Remuneration Policy
Bank tidak menggunakan jasa konsultan dalam merumuskan The Bank has not used consultant services in formulating
kebijakan remunerasi. remuneration policies.
Struktur dan Besaran Remunerasi Remuneration Structure and Amount for
Dewan Komisaris dan Direksi the Board of Commissioners and Board of Directors
Remunerasi bagi Dewan Komisaris dan Direksi terdiri dari 2 (dua) Remuneration for the Board of Commissioners and Board of Directors
komponen, yaitu remunerasi tetap dan remunerasi variabel. consists of 2 (two) components, namely fixed remuneration and
Remunerasi tetap mencakup honorarium, manfaat seperti asuransi variable remuneration. Fixed remuneration covers honorarium,
kesehatan, kendaraan dinas, BPJS Ketenagakerjaan, dan THR. benefits such as health insurance, official vehicles, BPJS Employment,
Sementara itu, remunerasi variabel meliputi tantiem atau gratifikasi, and THR. Meanwhile, variable remuneration covers tantiem or
serta saham. Pembayaran dapat dilakukan baik dalam bentuk tunai gratification, and shares. Payments can be made either in cash or non-
maupun non-tunai, seperti natura (rumah, kendaraan dinas, atau cash, such as natura facilities (house, official vehicle, or other assets
aset lainnya yang bisa dimiliki atau tidak). Besaran remunerasi that may or may not be owned). The amount of variable remuneration
variabel disesuaikan dengan kinerja, peran, dan tanggung jawab is adjusted to the performance, role, and responsibilities of each
masing-masing anggota Dewan Komisaris dan Direksi. member of the Board of Commissioners and Board of Directors.
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Pada tahun 2024, paket remunerasi dan fasilitas yang diterima oleh In 2024, the remuneration package and facilities received by the
Dewan Komisaris dan Direksi mencakup struktur remunerasi dan Board of Commissioners and Board of Directors included the
rincian jumlah nominal, ditunjukkan sebagai berikut: remuneration structure and details of nominal amount, presented
as follows:
Remunerasi Dewan Komisaris dan Direksi Berdasarkan Jenis
Remuneration for the Board of Commissioners and Board of Directors by Type
Dewan Komisaris Direksi
Board of Commissioners Board of Directors
Jenis Remunerasi
Type of Remuneration Jumlah Jumlah
Orang Orang
Total Total
People People
(Rp) (Rp)
Remunerasi Bersifat Tetap (Gaji dan THR)
3 3,031,705,908 5 15,376,659,071
Fixed Remuneration (Salary and THR Allowance)
Remunerasi Bersifat Variabel (Bonus)
3 230,615,892 5 1,330,039,929
Variable Remuneration (Bonus)
Total 3 3,262,321,800 5 16,706,699,000
Remunerasi Dewan Komisaris dan Direksi Berdasarkan Bentuk
Remuneration for the Board of Commissioners and Board of Directors by Form
Dewan Komisaris Direksi
Board of Commissioners Board of Directors
Bentuk Remunerasi
Form of Remuneration Jumlah Jumlah
Orang Orang
Total Total
People People
(Rp) (Rp)
Remunerasi dalam Bentuk Tunai
3 3,262,321,800 5 16,706,699,000
Remuneration in the form of Cash
Remunerasi dalam Bentuk Natura
- - 5 4,120,850,000
Remuneration in the form of Natura
Remunerasi dalam Bentuk Saham
- - - -
Remuneration in the form of Shares
Total 3 3,262,321,800 5 20,827,549,000
Remunerasi Dewan Komisaris dan Direksi Berdasarkan Rentang Nilai
Remuneration for the Board of Commissioners and Board of Directors by Value Range
Jumlah Dewan Komisaris Jumlah Direksi
Jumlah Remunerasi dalam Setahun
Total Board of Commissioners Total Board of Directors
Total Remuneration in a Year
(Orang / People) (Orang / People)
Di Atas Rp2 miliar
- 5
Above Rp2 billion
Di Atas Rp1 miliar - Rp2 miliar
3 -
Above Rp1 billion - Rp2 billion
Di Atas Rp500 juta - Rp1 miliar
- -
Above Rp500 million - Rp1 billion
Di Bawah Rp500 juta
- -
Below Rp500 million
Remunerasi Dewan Komisaris dan Direksi Berdasarkan Rata-Rata Total
Remuneration for the Board of Commissioners and Board of Directors by Total Average
Uraian Total Individu Rata-Rata Remunerasi per Orang
Description Total Individual Average Remuneration per Person
Dewan Komisaris 60 juta
3
Board of Commissioners 60 million
Direksi 170 juta
5
Board of Directors 170 million
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Tata Kelola Perusahaan
Good Corporate Governance
Remunerasi Dewan Komisaris dan Direksi Berdasarkan Jabatan
Remuneration for the Board of Commissioners and Board of Directors by Position
Gaji Pokok Tunjangan Total Remunerasi
Uraian Bonus
Basic Salary Allowances Total Remuneration
Description (Rp)
(Rp) (Rp) (Rp)
Dewan Komisaris
2,551,089,716 230,615,892 480,616,192 3,262,321,800
Board of Commissioners
Direksi
13,228,392,793 1,330,039,929 2,148,266,278 16,706,699,000
Board of Directors
Remunerasi yang Ditangguhkan atau Ditarik Kembali Suspended or Clawback Remuneration
Tidak terdapat remunerasi Dewan Komisaris dan Direksi yang There was no suspended or clawback remuneration of
ditangguhkan atau ditarik kembali di tahun 2024. the Board of Commissioners and Board of Directors in 2024.
Pengungkapan Bonus Kinerja, Disclosure of Performance Bonus,
Bonus Non-Kinerja, dan Opsi Saham Non-Perfomance Bonus, and Stock Option
Dewan Komisaris dan Direksi Bank tidak mendapat bonus kinerja, The Bank’s Board of Commissioners and Board of Directors did not
bonus non-kinerja, dan opsi saham di tahun 2024. receive performance bonus, non-performance bonus, or stock option
in 2024.
Rasio Gaji Tertinggi dan Terendah Ratio of Highest and Lowest Salary
Bank Victoria menjaga transparansi dalam rasio gaji tertinggi dan Bank Victoria maintains transparency in the ratio of highest
terendah di seluruh tingkatan organisasi. Rasio ini ditetapkan and lowest salaries at all levels of the organization. This ratio is
dengan mempertimbangkan prinsip kesetaraan, kinerja, serta determined by considering the principles of equality, performance,
tanggung jawab setiap posisi. Pada tahun 2024, rasio gaji di Bank and responsibility of each position. In 2024, the salary ratio at the
ditunjukkan sebagai berikut: Bank was presented as follows:
Rasio
Uraian Description
Ratio
Gaji Tertinggi dan Terendah Dewan Komisaris 1:1.2 Board of Commissioners’ Highest and Lowest Salary
Gaji Tertinggi dan Terendah Direksi 1:1.55 Board of Directors’ Highest and Lowest Salary
Gaji Tertinggi dan Terendah Karyawan 1:17 Employees’ Highest and Lowest Salary
Komite di Bawah Dewan Komisaris
Board of Commissioners’ Subordinate Committees
Komite Pemantau Risiko Risk Monitoring Committee
Komite Pemantau Risiko merupakan komite di bawah Dewan Risk Monitoring Committee is the committee under the Board of
Komisaris yang memastikan manajemen risiko Bank dijalankan Commissioners that ensures that the Bank’s risk management
secara efektif dan sesuai dengan prinsip GCG. Komite Pemantau is carried out effectively and in accordance with GCG principles.
Risiko berperan dalam mengidentifikasi, mengevaluasi, dan The Risk Monitoring Committee has roles in identifying, evaluating,
memitigasi berbagai risiko yang dihadapi oleh Bank. and mitigating various risks faced by the Bank.
Pedoman Komite Pemantau Risiko Risk Monitoring Committee Charter
Komite Pemantau Risiko telah memiliki Pedoman Kerja Komite Risk Monitoring Committee has the Risk Monitoring Committee
Pemantau Risiko yang terakhir kali diperbarui berdasarkan Charter which was last updated based on the Board of Commissioners’
Keputusan Dewan Komisaris No. 002/SK-KOM/12/23 tanggal Decision No. 002/SK-KOM/12/23 dated 6 December 2023 on
6 Desember 2023 tentang Pedoman dan Tata Tertib Kerja Komite Charter and Work Guidelines of the Risk Monitoring Committee of
Pemantau Risiko PT Bank Victoria International Tbk. PT Bank Victoria International Tbk.
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Tugas dan Tanggung Jawab Duties and Responsibilities of
Komite Pemantau Risiko the Risk Monitoring Committee
Komite Pemantau Risiko memiliki tugas dan tanggung jawab The Risk Monitoring Committee has duties and responsibilities as
sebagai berikut: follows:
1. Melakukan pengkajian ulang dan memberikan rekomendasi 1. Reviewing and providing recommendations on the effectiveness
atas efektivitas pelaksanaan manajemen risiko Bank melalui of the Bank’s risk management implementation through regular
pertemuan secara berkala maupun cara lainnya untuk meetings or other methods to discuss the progress of duties
membahas progres dari tahapan-tahapan tugas dan tanggung and responsibilities carried out by the Risk Management
jawab yang dilakukan oleh Satuan Kerja Manajemen Risiko; Work Unit;
2. Melakukan pengawasan atas kegiatan Satuan Kerja Manajemen 2. Overseeing activities of the Risk Management Work Unit in
Risiko dalam memantau pelaksanaan mitigasi risiko oleh Unit-Unit monitoring the implementation of risk mitigation by related
Kerja terkait; Work Units;
3. Melakukan pengawasan atas pelaksanaan rekomendasi Komite 3. Overseeing the implementation of the Committee’s
oleh Satuan Kerja Manajemen Risiko; recommendations by the Risk Management Work Unit;
4. Melakukan analisis dan evaluasi atas usulan Rencana Kegiatan 4. Performing analysis and evaluation of Bank Activity and Budget
dan Anggaran Bank serta pengkajian ulang tahunan atas Plan proposal, as well as annual review of the Bank’s long-term
rencana jangka panjang Bank yang diajukan oleh Direksi; dan plan submitted by the Board of Directors; and
5. Melakukan penelaahan atas informasi risiko dan manajemen 5. Reviewing the Bank’s risk information and Bank risk management
risiko Bank dalam laporan-laporan yang akan dipublikasikan. in reports to be published.
Komposisi dan Masa Jabatan Composition and Term of Office of
Komite Pemantau Risiko the Risk Monitoring Committee
Komite Pemantau Risiko minimal terdiri dari 3 (tiga) orang, yaitu The Risk Monitoring Committee consists of at least 3 (three)
1 (satu) orang di antaranya sebagai ketua yang merangkap sebagai members, in which 1 (one) of whom is the chairman who also
Komisaris Independen dan 2 (dua) orang dari pihak independen serves as Independent Commissioner and 2 (two) members are
sebagai anggota. Masa jabatan Komite Pemantau Risiko tidak boleh from independent parties. The term of office of Risk Monitoring
lebih lama dari masa jabatan Dewan Komisaris dan dapat dipilih Committee can not be longer than the term of office of the Board of
kembali untuk 1 (satu) periode berikutnya. Commissioners and can be re-elected for 1 (one) subsequent period.
Berikut komposisi Komite Pemantau Risiko Bank per 31 Desember The following is the composition of the Bank’s Risk Monitoring
2024 yang diangkat berdasarkan Surat Keputusan Direksi Committee as of 31 December 2024, appointed based on Board of
No. 008/SK-DIR/03/24 tanggal 14 Maret 2024: Directors’ Decision Letter No. 008/SK-DIR/03/24 dated 14 March 2024:
Nama Posisi di Komite Jabatan di Bank Keahlian
Name Position in the Committee Position at the Bank Expertise
Ketua Komisaris Utama Independen Perbankan, Manajemen Risiko, dan GCG
Zaenal Abidin Ph.D
Chairman Independent President Commissioner Banking, Risk Management, and GCG
Anggota Komisaris Independen Perbankan
Gunawan Tenggarahardja
Member Independent Commissioner Banking
Anggota Pihak Independen Perbankan dan Audit
Medi Sejati
Member Independent Party Banking and Audit
Anggota Pihak Independen Manajemen Risiko dan Perbankan
Yozef Abdulrachman
Member Independent Party Risk Management and Banking
Profil Komite Pemantau Risiko
Risk Monitoring Committee’s Profile
ZAENAL ABIDIN Ph.D
Ketua
Chairman
Dasar Hukum Penunjukkan dan Periode Menjabat Dasar Pengangkatan
Basis of Appointment and Term of Office
Keputusan Direksi No. 008/SK-DIR/03/24 tanggal 14 Maret 2024 (2024-Sekarang). Profil dapat dilihat pada profil Dewan Komisaris.
Board of Directors’ Decision No. 008/SK-DIR/03/24 dated 14 March 2024 (2024-Now). Profile can be seen in the Board of Commissioners’ profile chapter.
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Tata Kelola Perusahaan
Good Corporate Governance
GUNAWAN TENGGARAHARDJA
Anggota
Member
Dasar Hukum Penunjukkan dan Periode Menjabat Dasar Pengangkatan
Basis of Appointment and Term of Office
Keputusan Direksi No. 008/SK-DIR/03/24 tanggal 14 Maret 2024 (2024-Sekarang). Profil dapat dilihat pada profil Dewan Komisaris.
Board of Directors’ Decision No. 008/SK-DIR/03/24 dated 14 March 2024 (2024-Now). Profile can be seen in the Board of Commissioners’ profile chapter.
MEDI SEJATI
Anggota
Member
Kewarganegaraan / Nationality Tempat Lahir / Place of Birth Usia / Age Domisili / Domicile
Indonesia / Indonesian Jakarta 59 tahun / years old Jakarta
Dasar Pengangkatan dan Periode Menjabat Basis of Appointment and Term of Office
Keputusan Direksi No. 008/SK-DIR/03/24 tanggal 14 Maret 2024 Board of Directors’ Decision No. 008/SK-DIR/03/24 dated 14 March 2024
(2024-Sekarang). (2024-Now).
Riwayat Pendidikan Education
Diploma Manajemen Perbankan dari Sekolah Tinggi Ilmu Ekonomi AKPI Diploma of Banking Management from Sekolah Tinggi Ilmu Ekonomi AKPI
Bandung (1990). Bandung (1990).
Rangkap Jabatan Concurrent Positions
Di dalam Bank Victoria: In Bank Victoria:
Anggota Komite Audit Bank Victoria (sejak 2021). Member of Audit Committee of Bank Victoria (since 2021).
Di luar Bank Victoria: Outside of Bank Victoria:
• Anggota Komite Audit Bank Victoria Syariah (sejak 2021); dan • Member of Audit Committee of Bank Victoria Syariah (since 2021); and
• Anggota Komite Pemantau Risiko Bank Victoria Syariah (sejak 2021). • Member of Risk Monitoring Committee of Bank Victoria Syariah (since 2021).
Riwayat Jabatan History of Positions
• Kolektor PT Jasa Marga (Persero) Tbk (1984–1986); • Collector of PT Jasa Marga (Persero) Tbk (1984–1986);
• Teller PT Bank Swadesi (1990-1991); • Teller of PT Bank Swadesi (1990-1991);
• Menjabat di PT Bank Intan (1991-1999) sebagai: • Held positions at PT Bank Intan (1991-1999) as:
› Sekretaris Kepala Biro Kredit; › Secretary of Credit Bureau Head;
› Internal Control Officer; › Internal Control Officer;
› Kepala Bagian Audit Kredit dan Marketing; › Credit and Marketing Audit Department Head;
› Kepala Bagian Kredit Support; › Credit Support Department Head;
• Auditor Kantor Akuntan Publik Edi Kaslim & Kantor Akuntan Publik Gatot • Auditor of Edi Kaslim Public Accounting Firm & Gatot Permadi Djuwono
Permadi Djuwono (1999–2002); Public Accounting Firm (1999–2002);
• Kepala Bagian Akunting PT Bank Harmoni Internasional (2002–2007); • Head of Accounting Department of PT Bank Harmoni Internasional (2002–2007);
• Kepala Bagian Akunting PT Bank Index Selindo (2007–2008); • Head of Accounting Department of PT Bank Index Selindo (2007–2008);
• Kepala Divisi Akunting PT Bank Swaguna (2008–2010); • Accounting Division Head of PT Bank Swaguna (2008-2010);
• Kepala Divisi Akunting PT Bank Victoria Syariah (2010-2014); • Accounting Division Head of PT Bank Victoria Syariah (2010-2014);
• Akunting Officer Bank Victoria (2014); • Accounting Officer of Bank Victoria (2014);
• Kepala Bagian Sentral Operasional PT Bank Victoria Syariah (2014); • Central Operational Department Head of PT Bank Victoria Syariah (2014);
• Kepala Bagian Support Pembiayaan PT Bank Victoria Syariah (2015); • Financing Support Department Head of PT Bank Victoria Syariah (2015);
• Kepala Divisi Manajemen Risiko dan Kepatuhan PT Bank Victoria Syariah • Risk Management and Compliance Division Head of PT Bank Victoria Syariah
(2015-2016); (2015-2016);
• Kepala Divisi Kepatuhan dan Sekretaris Perusahaan PT Bank Victoria Syariah • Compliance Division Head and Corporate Secretary of PT Bank Victoria
(2017-2019); Syariah (2017-2019);
• Kepala Divisi Kepatuhan PT Bank Victoria Syariah (2019-2020); • Compliance Division Head of PT Bank Victoria Syariah (2019-2020);
• Anggota Komite Audit PT Victoria Alife Indonesia (2021); dan • Member of Audit Committee of PT Victoria Alife Indonesia (2021); and
• Anggota Komite Pemantau Risiko PT Victoria Alife Indonesia (2021). • Member of Risk Monitoring Committee of PT Victoria Alife Indonesia (2021).
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Sertifikasi Certification
• Sertifikasi Manajemen Risiko Level 1 dari Badan Sertifikasi Manajemen • Risk Management Certification Level 1 from the Risk Management
Risiko (2007); Certification Institution (2007);
• Sertifikasi Manajemen Risiko Level 2 dari Badan Sertifikasi Manajemen • Risk Management Certification Level 2 from the Risk Management
Risiko (2011); Certification Institution (2011);
• Sertifikasi Manajemen Risiko Level 3 dari Badan Sertifikasi Manajemen • Risk Management Certification Level 3 from the Risk Management
Risiko (2018); Certification (2018);
• Sertifikasi Kepatuhan Level 1 dari Lembaga Sertifikasi Profesi Perbankan • Compliance Certification Level 1 from the Banking Professional Certification
(2018); Institute (2018);
• Sertifikasi Kepatuhan Level 2 dari Lembaga Sertifikasi Profesi Perbankan • Compliance Certification Level 2 from the Banking Professional
(2018); Certification Institute (2018);
• Certification in Audit Committee Practices (CACP) (2023); dan • Certification in Audit Committee Practices (CACP) (2023); and
• Sertifikasi Manajemen Risiko - Jenjang 5 dari Lembaga Sertifikasi Perbankan • Certification of Risk Management - Level 5 from Sharia Financial Banking
Keuangan Syariah (2024). Certification Institution (2024).
Hubungan Afiliasi Affiliation Relationship
Tidak memiliki hubungan afiliasi dengan anggota Dewan Komisaris, anggota Does not have any affiliation with members of Board of Commissioners,
Direksi, serta Pemegang Saham Utama dan Pengendali. members of Board of Directors, and Main and Controlling Shareholders.
YOZEF ABDULRACHMAN
Anggota
Member
Kewarganegaraan / Nationality Tempat Lahir / Place of Birth Usia / Age Domisili / Domicile
Indonesia / Indonesian Tasikmalaya 67 tahun / years old Tangerang
Dasar Pengangkatan dan Periode Menjabat Basis of Appointment and Term of Office
Keputusan Direksi No. 008/SK-DIR/03/24 tanggal 14 Maret 2024 Board of Directors’ Decision No. 008/SK-DIR/03/24 dated 14 March 2024
(2024-Sekarang). (2024-Now).
Riwayat Pendidikan Education
Sarjana Matematika dari Universitas Padjadjaran (1983). Bachelor of Mathematics from Padjajaran University (1983).
Rangkap Jabatan Concurrent Positions
Di dalam Bank Victoria: In Bank Victoria:
Anggota Komite Audit (sejak 2019). Member of Audit Committee (since 2019).
Di luar Bank Victoria: Outside of Bank Victoria:
• Konsultan dan Trainer/Fasilitator bidang Manajemen Risiko (sejak 2010); • Consultant and Trainer/Facilitator of Risk Management sector (since 2010);
dan and
• Trainer dan Fasilitator Pembekalan Sertifikasi Manajemen Risiko dan • Trainer and Facilitator for Briefing of Risk Management Certification and
Surveillance/Refreshment Manajemen Risiko (sejak 2010). Risk Management Surveillance/Refreshment (since 2010).
Riwayat Jabatan History of Positions
• Menjabat di PT Bank Dagang Negara (Persero) sebagai: • Held positions at PT Bank Dagang Negara (Persero) as:
› Programmer III – Electronic Data Processing Desk (1989-1990); › Programmer III - Electronic Data Processing Desk (1989-1990);
› Kepala Seksi Pengembangan Sistem Aplikasi – Divisi Informasi Teknologi › Head of Application System Development Section - Information
(1991-1994); Technology Division (1991-1994);
› Kepala Bagian Operasi Komputer - Divisi Informasi Teknologi (1995-1996); › Head of Computer Operations Section - Information Technology
dan Division (1995-1996); and
› Kepala Bagian Dukungan Pengguna – Divisi Informasi Teknologi (1997-1998). › Head of User Support Section - Information Technology Division (1997-1998).
• Menjabat di PT Bank Mandiri (Persero) Tbk sebagai: • Held positions at PT Bank Mandiri (Persero) Tbk as:
› Project Manager Y2K (Legacy PT Bank Dagang Negara) (1999); › Y2K Project Manager (Legacy of PT Bank Dagang Negara) (1999);
› Group Head, Branch IT Deployment – IT Retail Banking Services Delivery › Group Head, IT Deployment Branch – IT Retail Banking Services Delivery
Division (1999-2000); Division (1999-2000);
› Integrasi Sistem Aplikasi Core Banking (implementasi 600 cabang) › Core Banking Application System Integration (implementation in
(1999-2000); 600 branches) (1999-2000);
› Senior Manager of Operational Risk Management Review – Operational › Senior Manager of Operational Risk Management Review – Operational
Risk Department – Portfolio and Operational Risk Management Group Risk Department – Portfolio and Operational Risk Management Group
(2001-2004); (2001-2004);
› Team Leader of Business Line II – Operational Risk Department – › Team Leader of Business Line II – Operational Risk Department –
Portfolio and Operational Risk Management Group (2005-2006); Portfolio and Operational Risk Management Group (2005-2006);
› Team Leader of Policy – Operational Risk Department – Market and › Team Leader of Policy – Operational Risk Department – Market and
Operational Risk Group (2007-2008); dan Operational Risk Group (2007-2008); and
› Team Leader of MIS – Operational Risk Department – Market and › Team Leader of MIS – Operational Risk Department – Market and
Operational Risk Group (2009-2010). Operational Risk Group (2009-2010).
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Tata Kelola Perusahaan
Good Corporate Governance
• Konsultan Manajemen Risiko Operasional PT Bank Agro Tbk (2011); • Operational Risk Management Consultant of PT Bank Agro Tbk (2011);
• Konsultan Manajemen Risiko Operasional PT Bank Mutiara Tbk (2013); • Operational Risk Management Consultant of PT Bank Mutiara Tbk (2013);
• Konsultan Mapping dan Pengukuran Eksposur Corporate Loans Portfolio • Consultant for Mapping and Corporate Loans Portfolio Exposure
PT Perusahaan Gas Negara Tbk (2014); Measurement of PT Perusahaan Gas Negara Tbk (2014);
• Konsultan PT Bank Perkreditan Rakyat Sumber Artha Waru Agung, Sidoarjo • Consultant of PT Bank Perkreditan Rakyat Sumber Artha Waru Agung,
(2018); dan Sidoarjo (2018); and
• Anggota Komite Tata Kelola Terintegrasi Bank Victoria (2019). • Member of the Integrated Governance Committee of Bank Victoria (2019).
Sertifikasi Certification
• Sertifikat Kompetensi Metodologi Pelatihan dengan Kualifikasi/Kompetensi • Competence Certificate in Training Methodology with Instructor
Instruktur, KKNI Level 4 dari Badan Nasional Sertifikasi Profesi Lembaga Qualification/Competence, KKNI Level 4 from National Professional
Sertifikasi Profesi Instruktur Kompeten Indonesia (2023); dan Certification Agency of the Indonesian Competent Instructor Professional
Certification Institute (2023); and
• Sertifikat Kompetensi Kualifikasi 6 Bidang Manajemen Risiko Perbankan dari • Competence Certificate in Banking Risk Management Qualification 6 from
Badan Nasional Sertifikasi Profesi Lembaga Sertifikasi Profesi Perbankan National Professional Certification Agency, Banking Profession Certification
(2024). Institute (2024).
Hubungan Afiliasi Affiliation Relationship
Tidak memiliki hubungan afiliasi dengan anggota Dewan Komisaris, anggota Does not have any affiliation with members of Board of Commissioners,
Direksi, serta Pemegang Saham Utama dan Pengendali. members of Board of Directors, and Main and Controlling Shareholders.
Independensi Komite Pemantau Risiko Independency of Risk Monitoring Committee
Seluruh anggota Komite Pemantau Risiko telah memenuhi aspek All members of the Risk Monitoring Committee have fulfilled the
independensi berikut: following independency aspects:
1. Tidak memiliki hubungan keuangan dengan Dewan Komisaris, 1. Does not have financial relationship with the Board of
Direksi, serta Pemegang Saham Utama dan Pengendali; Commissioners, Board of Directors, and Main and Controlling
Shareholders;
2. Tidak memiliki hubungan kepemilikan saham di Bank, baik 2. Does not have share ownership relationship in the Bank, either
secara langsung maupun tidak langsung; directly or indirectly;
3. Tidak memiliki hubungan kepengurusan di Bank, Entitas Anak, 3. Does not have management relationship in the Bank, Subsidiary,
maupun perusahaan afiliasi; and affiliated company;
4. Tidak memiliki hubungan keluarga dengan Dewan Komisaris, 4. Does not have family relationship with the Board of Commissioners,
Direksi, Pemegang Saham Utama dan Pengendali, dan/atau Board of Directors, Main and Controlling Shareholders, and/or
sesama anggota Komite Pemantau Risiko; dan among members of Risk Monitoring Committee; and
5. Tidak menjabat sebagai pengurus partai politik, pejabat, dan 5. Does not hold position as administrator of political party, state,
pemerintah. and government.
Rapat Komite Pemantau Risiko Risk Monitoring Committee’s Meeting
Komite Pemantau Risiko wajib mengadakan rapat paling sedikit The Risk Monitoring Committee shall hold at least 12 (twelve)
12 (dua belas) kali dalam 1 (satu) tahun. Teknis pelaksanaan rapat meetings in 1 (one) year. Technically, meeting can be conducted
dapat dilakukan secara langsung maupun secara teleconference in person or via teleconference, attended by at least 51% of the
yang dihadiri minimal 51% dari jumlah anggota termasuk seorang total members, including one Independent Commissioner and
Komisaris Independen dan pihak independen. independent party.
Selama tahun 2024, Komite Pemantau Risiko telah melaksanakan rapat Throughout 2024, the Risk Monitoring Committee held meetings
dengan rincian kehadiran masing-masing anggota sebagai berikut: with details of each member’s attendance as follows:
Tingkat Kehadiran
Nama Jabatan Total Rapat Total Kehadiran
Attendance Rate
Name Position Total Meetings Total Attendance
(%)
Ketua
Zaenal Abidin Ph.D 12 12 100.00
Chairman
Anggota
Gunawan Tenggarahardja 12 11 91.67
Member
Anggota
Medi Sejati 12 12 100.00
Member
Anggota
Yozef Abdulrachman 12 12 100.00
Member
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Agenda Rapat Komite Pemantau Risiko Risk Monitoring Committee’s Meeting Agenda
Agenda yang dibahas dalam rapat Komite Pemantau Risiko meliputi: The agenda discussed in the Risk Monitoring Committee’s meeting
covers:
1. Evaluasi Laporan Profil Risiko (triwulanan); 1. Evaluation of Risk Profile Report (quarterly);
2. Pembahasan Tingkat Kesehatan Bank (semesteran); 2. Discussion of Bank Sound Level (semi-annually);
3. Evaluasi Laporan Direktur Kepatuhan (semesteran); 3. Evaluation of Compliance Director’s Report (semi-annually);
4. Pembahasan Temuan Hasil Pemeriksaan Otoritas Jasa 4. Discussion of Findings of Financial Services Authority’s Audit
Keuangan 2024; Results in 2024;
5. Kajian Risk and Control Self-Assessment (RCSA) bisnis dan 5. Review of Risk and Control Self-Assessment (RCSA) business
operasional (Oktober 2024); dan and operations (October 2024); and
6. Pembahasan Risk register dan Profil Risiko Operasional untuk 6. Discussion of Risk register and Operational Risk Profile for IT
Divisi IT dan Divisi HCM (November 2024). Division and HCM Division (November 2024).
Laporan Singkat Pelaksanaan Kegiatan Komite Pemantau Brief Report on Implementation of Risk Monitoring
Risiko Tahun 2024 Committee’s Activities in 2024
Sepanjang tahun 2024, Komite Pemantau Risiko telah melaksanakan Throughout 2024, the Risk Monitoring Committee carried out
kegiatan sebagai bentuk pelaksanaan tugas dan tanggung activities as the implementation of its duties and responsibilities as
jawabnya yang diuraikan sebagai berikut: described below:
1. Mengadakan rapat dan reviu terhadap efektivitas pelaksanaan 1. Holding meetings and reviews on the effectiveness of the
manajemen risiko dan kepatuhan Bank; Bank’s risk management and compliance implementation;
2. Melakukan reviu atas penilaian risiko oleh Satuan Kerja 2. Reviewing risk assessment by the Risk Management Work Unit
Manajemen Risiko serta Laporan Kepatuhan oleh Divisi and Compliance Report by the Compliance Division, including
Kepatuhan, termasuk pemantauan mitigasi oleh Risk Taking Unit; monitoring mitigation by the Risk Taking Unit;
3. Mengawasi pelaksanaan rekomendasi komite oleh Satuan Kerja 3. Supervising the implementation of committee recommendations
Manajemen Risiko dan/atau Divisi Kepatuhan; by the Risk Management Work Unit and/or Compliance Division;
4. Menelaah informasi risiko dan manajemen risiko Bank dalam 4. Reviewing the Bank’s risk and risk management information in
laporan-laporan yang dipublikasikan; published reports;
5. Memastikan kepatuhan terhadap peraturan perundang-undangan 5. Ensuring compliance with applicable laws and regulations; and
dan ketentuan yang berlaku; dan
6. Pelaksanakan tugas khusus dan tugas lainnya sesuai dengan 6. Implementing specific duty and other duties as needed.
kebutuhan.
Selain itu, Komite Pemantau Risiko juga telah melakukan Furthermore, the Risk Monitoring Committee also conducted
penelaahan dan peninjauan melalui analisa laporan maupun rapat, assessment and review through report analysis and meetings, the
yang hasilnya disampaikan kepada Dewan Komisaris melalui Memo results of which were submitted to the Board of Commissioners
Intern. Beberapa hal yang dikaji meliputi Laporan Tahunan Komite through Internal Memo. Several matters reviewed included the Risk
Pemantau Risiko tahun 2024, Laporan Tingkat Kesehatan Bank Monitoring Committee’s Annual Report for 2024, the Bank’s Sound
Periode Semester II Tahun 2023, serta Laporan Direktur Kepatuhan Level Report for Semester II of 2023, and the Compliance Director’s
Periode Semester II Tahun 2023. Komite juga memberikan berbagai Report for Semester II of 2023. The Committee also provided
arahan hasil penelaahan terkait profil risiko, manajemen risiko, various directions on the results of review related to risk profile, risk
kepatuhan, serta temuan hasil pemeriksaan Otoritas Jasa Keuangan management, compliance, and findings from the Financial Services
sepanjang tahun 2024. Authority’s audit results throughout 2024.
Pelatihan dan/atau Peningkatan Risk Monitoring Committee’s Training
Komite Pemantau Risiko and/or Development Programs
Pada tahun 2024, pengembangan kompetensi yang diikuti oleh In 2024, the competency development attended by Mr. Zaenal
Bapak Zaenal Abidin Ph.D dan Bapak Gunawan Tenggarahardja Abidin Ph.D and Mr. Gunawan Tenggarahardja was presented
dapat dilihat pada pelatihan dan/atau peningkatan kompetensi in the training and/or competency development of the Board
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Tata Kelola Perusahaan
Good Corporate Governance
Dewan Komisaris. Sementara pengembangan kompetensi yang of Commissioners. Meanwhile, the competency development
diikuti anggota lainnya ditunjukkan sebagai berikut: attended by other members is presented as follows:
Kehadiran
Materi Pelatihan dan Penyelenggara Attendance
Training Materials and Organizers
Medi Sejati Yozef Abdulrachman
Pelatihan Manajemen Audit Internal Sesuai dengan The Institute of Internal Auditors Global
Internal Audit 2024 dari Sekolah Vokasi Universitas Gadjah Mada
Internal Audit Management Training in accordance with The Institute of Internal Auditors Global
Internal Audit 2024 from the Vocational School of Gadjah Mada University
Refreshment Sistem Manajemen Risiko Jenjang 5 dari PT Efektifpro Knowledge Source
Refreshment of Risk Management System Level 5 from PT Efektifpro Knowledge Source
Komite Remunerasi dan Nominasi Remuneration and Nomination Committee
Komite Remunerasi dan Nominasi dibentuk untuk mengkaji dan The Remuneration and Nomination Committee is established to
memberikan rekomendasi kepada Dewan Komisaris dalam hal review and provide recommendations to the Board of Commissioners
mengawasi proses implementasi kebijakan nominasi dan remunerasi in overseeing the process of implementing nomination and
bagi Dewan Komisaris dan Direksi, sebagai upaya mencapai remuneration policies for the Board of Commissioners and Board of
penerapan GCG. Directors, as an effort to achieve GCG implementation.
Pedoman Komite Remunerasi dan Nominasi Remuneration and Nomination Committee Charter
Komite Remunerasi dan Nominasi telah memiliki Pedoman Kerja The Remuneration and Nomination Committee has the Remuneration
Komite Remunerasi dan Nominasi yang terakhir kali diperbarui and Nomination Committee Charter which was last updated
berdasarkan Keputusan Dewan Komisaris No. 001/SK-KOM/01/24 based on the Board of Commissioners’ Decision Letter
tanggal 5 Januari 2024 tentang Pedoman dan Tata Tertib Komite No. 001/SK-KOM/01/24 dated 5 January 2024 on the Guidelines
Remunerasi dan Nominasi PT Bank Victoria International Tbk. and Procedures of Remuneration and Nomination Committee of
PT Bank Victoria International Tbk.
Tugas dan Tanggung Jawab Duties and Responsibilities of
Komite Remunerasi dan Nominasi Remuneration and Nomination Committee
Komite Remunerasi dan Nominasi memiliki tugas dan tanggung jawab The Remuneration and Nomination Committee has duties and
sebagai berikut: responsibilities as follows:
1. Kebijakan Nominasi: 1. Nomination Policy:
a. Menyusun dan merekomendasikan sistem dan prosedur a. To prepare and recommend system and procedure
pemilihan atau penggantian anggota Dewan Komisaris dan of selection or replacement of members of Board of
Direksi kepada Dewan Komisaris untuk disampaikan kepada Commissioners and Board of Directors to the Board of
RUPS; Commissioners to be proposed to the GMS;
b. Memberikan rekomendasi tentang calon anggota Dewan b. To give recommendations about the candidates for the
Komisaris dan/atau Direksi kepada Dewan Komisaris untuk Board of Commissioners and/or Board of Directors to the
disampaikan kepada RUPS; Board of Commissioners to be proposed to the GMS;
c. Memberikan rekomendasi kepada Dewan Komisaris mengenai c. To give recommendations to the Board of Commissioners
pihak independen yang akan menjadi anggota Komite Audit on independent party who will become member of Audit
serta anggota Komite Pemantau Risiko; dan Committee and member of Risk Monitoring Committee; and
d. Menyusun mekanisme dan melakukan penilaian kinerja Direksi d. To develop mechanisms and assess the performance of
dan Dewan Komisaris. the Board of Directors and Board of Commissioners.
2. Kebijakan Remunerasi: 2. Remuneration Policy:
a. Menyusun dan mengevaluasi remunerasi untuk anggota a. To prepare and evaluate remuneration for members of the
Dewan Komisaris, Direksi, dan Pejabat Eksekutif hingga Board of Commissioners, Board of Directors, and Executive
1 (satu) tingkat di bawah Direksi; Officers up to 1 (one) level below the Board of Directors;
b. Memberikan rekomendasi kepada Dewan Komisaris b. To give recommendations to the Board of Commissioners
mengenai kebijakan remunerasi untuk Dewan Komisaris on remuneration policy for the Board of Commissioners
dan Direksi yang akan disampaikan kepada RUPS, serta and Board of Directors to be proposed to the GMS, and
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kebijakan remunerasi untuk Pejabat Eksekutif hingga remuneration policy for Executive Officers up to 1 (one)
1 (satu) tingkat di bawah Direksi yang akan disampaikan level below the Board of Directors to be proposed to the
kepada Direksi; dan Board of Directors; and
c. Dalam pelaksanaan tugas remunerasi, memperhatikan c. In performing remuneration duty, consider financial
kinerja keuangan, pemenuhan cadangan sesuai peraturan performance, fulfillment of reserve in accordance with
perundang-undangan, prestasi kerja individu, kewajaran laws and regulations, individual work achievement, fairness
dengan peer group, dan pertimbangan terhadap sasaran dan with peer group, and consideration of the Bank’s long-term
strategi jangka panjang Bank. goals and strategies.
3. Tugas Lainnya: 3. Other Duties:
a. Membantu Dewan Komisaris dalam memberikan rekomendasi a. To assist the Board of Commissioners in giving
tentang jumlah anggota Dewan Komisaris dan Direksi; dan recommendations about the number of members of the
Board of Commissioners and Board of Directors; and
b. Membantu Direksi dalam mengevaluasi sistem Human Capital b. To assist the Board of Directors in evaluating the Human
Management & General Affair, serta kebijakan pengembangan Capital Management & General Affair system, and human
sumber daya manusia, termasuk rekrutmen, asesmen, capital development policy, including recruitment,
peningkatan kompetensi, evaluasi, promosi, demosi, terminasi, assessment, competency development, evaluation,
suksesi, seleksi, dan tugas lainnya. promotion, demotion, termination, succession, selection,
and other duties.
Komposisi dan Masa Jabatan Composition and Term of Office of
Komite Remunerasi dan Nominasi the Remuneration and Nomination Committee
Komite Remunerasi dan Nominasi minimal terdiri dari 1 (satu) The Remuneration and Nomination Committee consists of at least
orang Komisaris Independen, 1 (satu) orang Komisaris, dan 1 (satu) 1 (one) Independent Commissioner, 1 (one) Commissioner, and 1 (one)
orang Pejabat Eksekutif yang membawahi Divisi Human Capital Executive Officer in charge of the Human Capital Management
Management. Masa jabatan Komite Remunerasi dan Nominasi tidak Division. The term of office of Remuneration and Nomination
boleh lebih lama dari masa jabatan Dewan Komisaris dan dapat Committee can not be longer than the term of office of the Board of
dipilih kembali untuk periode berikutnya. Commissioners and can be re-elected for the next period.
Berikut komposisi Komite Remunerasi dan Nominasi Bank The following is the composition of the Bank’s Remuneration and
per 31 Desember 2024 yang diangkat berdasarkan Keputusan Nomination Committee as of 31 December 2024, appointed based
Direksi No. 002C/DIR-EKS/11/22 tanggal 9 November 2022: on Board of Directors’ Decision No. 002C/DIR-EKS/11/22 dated
9 November 2022:
Nama Posisi di Komite Jabatan di Bank Keahlian
Name Position in the Committee Position at the Bank Expertise
Ketua Komisaris Independen Perbankan
Gunawan Tenggarahardja
Chairman Independent Commissioner Banking
Anggota Komisaris Bisnis
Sia Leng Ho
Member Commissioner Business
Anggota Kepala Divisi Human Capital Management & General Affair
Syahda Candra Human Capital
Member Head of Human Capital Management & General Affair Division
Profil Komite Remunerasi dan Nominasi
Remuneration and Nomination Committee’s Profile
GUNAWAN TENGGARAHARDJA
Ketua
Chairman
Dasar Hukum Penunjukkan dan Periode Menjabat Dasar Pengangkatan
Basis of Appointment and Term of Office
Keputusan Direksi No. 002C/DIR-EKS/11/22 tanggal 9 November 2022 (2022-Sekarang). Profil dapat dilihat pada profil Dewan Komisaris.
Board of Directors’ Decision No. 002C/DIR-EKS/11/22 dated 9 November 2022 (2022-Now). Profile can be seen in the Board of Commissioners’ profile chapter.
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Tata Kelola Perusahaan
Good Corporate Governance
SIA LENG HO
Anggota
Member
Dasar Hukum Penunjukkan dan Periode Menjabat Dasar Pengangkatan
Basis of Appointment and Term of Office
Keputusan Direksi No. 002C/DIR-EKS/11/22 tanggal 9 November 2022 (2022-Sekarang). Profil dapat dilihat pada profil Dewan Komisaris.
Board of Directors’ Decision No. 002C/DIR-EKS/11/22 dated 9 November 2022 (2022-Now). Profile can be seen in the Board of Commissioners’ profile chapter.
SYAHDA CANDRA
Anggota
Member
Kewarganegaraan / Nationality Tempat Lahir / Place of Birth Usia / Age Domisili / Domicile
Indonesia / Indonesian Jakarta 51 tahun / years old Jakarta
Dasar Pengangkatan dan Periode Menjabat Basis of Appointment and Term of Office
Keputusan Direksi No. 002C/DIR-EKS/11/22 tanggal 9 November 2022 Board of Directors’ Decision No. 002C/DIR-EKS/11/22 dated 9 November 2022
(2022-Sekarang). (2022-Now).
Riwayat Pendidikan Education
Sarjana Psikologi dari Universitas Persada Indonesia YAI, Jakarta (1998). Bachelor of Psychology from Persada Indonesia YAI University, Jakarta (1998).
Rangkap Jabatan Concurrent Positions
Di dalam Bank Victoria: In Bank Victoria:
Kepala Divisi Human Capital Management & General Affair Bank Victoria Head of Human Capital Management & General Affair Division of Bank Victoria
(sejak 2019). (since 2019).
Di luar Bank Victoria: Outside of Bank Victoria:
Tidak ada. None.
Riwayat Jabatan History of Positions
• Senior Staff Human Resource Department (Recruitment and Man Power) • Senior Staff of Human Resource Department (Recruitment and Manpower)
PT Bank Ekonomi Raharja Tbk (1997-2000); of PT Bank Ekonomi Raharja Tbk (1997-2000);
• Assistant Manager Human Resource Department PT Hawaii Confectionery • Assistant Manager of Human Resource Department of PT Hawaii Confectionery
Factory (2001-2002); Factory (2001-2002);
• Supervisor Human Resource Department PT JS Multi Collection • Supervisor of Human Resource Department of PT JS Multi Collection
(2002-2003); dan (2002-2003); and
• Menjabat di Bank Victoria sebagai: • Held positions at Bank Victoria as:
› Kepala Divisi Human Resource and General Affair (2003-2012); › Head of Human Resources and General Affair Division (2003-2012);
› Kepala Divisi Human Capital Management (2012-2017); dan › Head of Human Capital Management Division (2012-2017); and
› Kepala Divisi Human Resource and General Affair (2019). › Head of Human Resources and General Affair Division (2019).
Sertifikasi Certification
Sertifikasi bidang Manajemen Risiko Perbankan Jenjang 5 dari Lembaga Certification of Banking Risk Management Level 5 from Banking Profession
Sertifikasi Profesi Perbankan (2024-2027). Certification Institute (2024-2027).
Hubungan Afiliasi Affiliation Relationship
Tidak memiliki hubungan afiliasi dengan anggota Dewan Komisaris, anggota Does not have any affiliation with members of Board of Commissioners,
Direksi, serta Pemegang Saham Utama dan Pengendali. members of Board of Directors, and Main and Controlling Shareholders.
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Independensi Komite Remunerasi dan Nominasi Independency of Remuneration and Nomination
Committee
Seluruh anggota Komite Remunerasi dan Nominasi telah memenuhi All members of the Remuneration and Nomination Committee have
aspek independensi berikut: fulfilled the following independency aspects:
1. Tidak memiliki hubungan keuangan dengan Dewan Komisaris, 1. Does not have financial relationship with the Board of
Direksi, serta Pemegang Saham Utama dan Pengendali; Commissioners, Board of Directors, and Main and Controlling
Shareholders;
2. Tidak memiliki hubungan kepemilikan saham di Bank, baik 2. Does not have share ownership relationship in the Bank, either
secara langsung maupun tidak langsung; directly or indirectly;
3. Tidak memiliki hubungan kepengurusan di Bank, Entitas Anak, 3. Does not have management relationship in the Bank, Subsidiary,
maupun perusahaan afiliasi; and affiliated company;
4. Tidak memiliki hubungan keluarga dengan Dewan Komisaris, 4. Does not have family relationship with the Board of Commissioners,
Direksi, Pemegang Saham Utama dan Pengendali, dan/atau Board of Directors, Main and Controlling Shareholders, and/or
sesama anggota Komite Remunerasi dan Nominasi; dan among members of Remuneration and Nomination Committee;
and
5. Tidak menjabat sebagai pengurus partai politik, pejabat, dan 5. Does not hold position as administrator of political party, state,
pemerintah. and government.
Rapat Komite Remunerasi dan Nominasi Remuneration and Nomination Committee’s
Meeting
Komite Remunerasi dan Nominasi wajib mengadakan rapat paling The Remuneration and Nomination Committee shall hold at least
sedikit 4 (empat) kali dalam 1 (satu) tahun. Teknis pelaksanaan rapat 4 (four) meetings 1 (one) year. Technically, meeting can be
dapat dilakukan secara langsung maupun secara teleconference conducted in person or via teleconference, attended by at least 51%
yang dihadiri minimal 51% dari jumlah anggota termasuk seorang of the total members, including one Independent Commissioner
Komisaris Independen dan Pejabat Eksekutif. and Executive Officer.
Selama tahun 2024, Komite Remunerasi dan Nominasi telah Throughout 2024, the Remuneration and Nomination Committee
melaksanakan rapat dengan rincian kehadiran masing-masing held meetings with details of each member’s attendance as follows:
anggota sebagai berikut:
Tingkat Kehadiran
Nama Jabatan Total Rapat Total Kehadiran
Attendance Rate
Name Position Total Meetings Total Attendance
(%)
Ketua
Gunawan Tenggarahardja 5 5 100.00
Chairman
Anggota
Sia Leng Ho 5 5 100.00
Member
Anggota
Syahda Candra 5 5 100.00
Member
Agenda Rapat Komite Remunerasi dan Nominasi Remuneration and Nomination Committee’s Meeting Agenda
Agenda yang dibahas dalam rapat Komite Remunerasi dan Nominasi Agenda discussed in the Remuneration and Nomination
mencakup evaluasi kebutuhan advisor bidang international banking Committee’s meeting includes evaluation of the need for advisor
serta pembahasan terkait kenaikan gaji bagi pengurus dan karyawan. in international banking sector and discussion related to salary
Selain itu, rapat juga membahas kebijakan pedoman gratifikasi atau increase for management and employees. In addition, the meeting
bonus tahun 2023-2024 bagi pengurus dan pegawai Bank yang also discussed the policy on 2023-2024 gratification or bonus
akan direkomendasikan kepada Dewan Komisaris. Komite turut guidelines for the Bank’s management and employees to be
memberikan rekomendasi mengenai penambahan Divisi Marketing recommended to the Board of Commissioners. The Committee
Communication, Product & Digital Marketing, termasuk pencalonan also provided recommendations on the addition of Marketing
Kepala Divisi atas nama Wirindra Ananda Gupta. Selain itu, dilakukan Communication, Product & Digital Marketing Division, including the
evaluasi terhadap komposisi Direksi dan Pejabat Eksekutif. nomination of Division Head on behalf of Wirindra Ananda Gupta.
Furthermore, evaluation was carried out on the composition of the
Board of Directors and Executive Officers.
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Tata Kelola Perusahaan
Good Corporate Governance
Laporan Singkat Pelaksanaan Kegiatan Brief Report on Implementation of
Komite Remunerasi dan Nominasi Tahun 2024 Remuneration and Nomination Committee’s Activities in 2024
Sepanjang tahun 2024, Komite Remunerasi dan Nominasi telah Throughout 2024, the Remuneration and Nomination Committee
melaksanakan kegiatan sebagai bentuk pelaksanaan tugas dan carried out activities as the implementation of its duties and
tanggung jawabnya yang diuraikan sebagai berikut: responsibilities as described below:
1. Evaluasi kebutuhan advisor bidang international banking; 1. Evaluation of the need for advisor in international banking
sector;
2. Rekomendasi penambahan Divisi Marketing Communication, 2. Recommendation for the addition of Marketing Communication,
Product & Digital Marketing serta pencalonan Kepala Divisi atas Product & Digital Marketing Division and the nomination of
nama Wirindra Ananda Gupta; dan Division Head on behalf of Wirindra Ananda Gupta; and
3. Evaluasi komposisi Direksi dan Pejabat Eksekutif. 3. Evaluation of the composition of Board of Directors and
Executive Officers.
Pelatihan dan/atau Peningkatan Remuneration and Nomination Committee’s
Komite Remunerasi dan Nominasi Training and/or Development Programs
Pada tahun 2024, pengembangan kompetensi yang diikuti oleh In 2024, the competency development attended by Mr. Gunawan
Bapak Gunawan Tenggarahardja dan Bapak Sia Leng Ho dapat Tenggarahardja and Mr. Sia Leng Ho was presented in the training
dilihat pada pelatihan dan/atau peningkatan kompetensi Dewan and/or competency development of the Board of Commissioners.
Komisaris. Sementara Pengembangan kompetensi yang diikuti Meanwhile, the competency development attended by other
anggota lainnya ditunjukkan sebagai berikut: members is presented as follows:
Kehadiran
Materi Pelatihan dan Penyelenggara Attendance
Training Materials and Organizers
Syahda Candra
Expert Sharing: Keuangan Berkelanjutan dari Agus Sugiarto
Expert Sharing: Sustainable Finance from Agus Sugiarto
Dealing with Volatility, Uncertainty, Complexity, and Ambiguity (VUCA) Challenges: Contextual Leadership Journey dari
Bank Victoria
Dealing with Volatility, Uncertainty, Complexity, and Ambiguity (VUCA) Challenges: Contextual Leadership Journey from
Bank Victoria
Refreshment Unit Kompetensi Manajemen Risiko Jenjang 5 dari PT Efektifpro Knowledge Source
Refreshment of Level 5 Risk Management Competency Unit from PT Efektifpro Knowledge Source
Pembekalan: Pendampingan dan Mekanisme Pelaksanaan Resertifikasi Manajemen Risiko Jenjang 5 dari Bank Victoria
Briefing: Mentoring and Mechanism for Implementing Recertification of Risk Management Level 5 from Bank Victoria
Training Sosialisasi Office 365 dari Bank Victoria
Office 365 Dissemination Training from Bank Victoria
Sharing Session Market Update and Economic Outlook dari Bank Victoria
Sharing Session Market Update and Economic Outlook from Bank Victoria
Training Perlindungan Konsumen dan Perlindungan Data Pribadi dari Bank Victoria
Training on Consumer Protection and Personal Data Protection from Bank Victoria
Fraud Risk Management sebagai Upaya Mitigasi Fraud yang Efektif dan Penerapan Strategi Anti-Fraud di Lembaga Jasa
Keuangan sesuai Peraturan Otoritas Jasa Keuangan No. 12 Tahun 2024 dari Lembaga Pengembangan Perbankan Indonesia
Fraud Risk Management as Effective Fraud Mitigation Effort and Implementation of Anti-Fraud Strategies in Financial
Services Institutions according to Financial Services Authority Regulation No. 12 of 2024 from Indonesian Banking
Development Institute
Webinar Mengelola Data Karyawan Pasca Berlakunya Undang-Undang Perlindungan Data Pribadi dari Dunia HR
Webinar on Managing Employee Data After the Enactment of Personal Data Protection Law from HR World
Refreshment Tipologi Tindak Pidana Pencucian Uang/Tindak Pidana Pendanaan Terorisme/Pencegahan dan Pemberantasan
Pendanaan Senjata Pemusnah Massal melalui Kredit dan Treasury dari Andara Sarana
Refreshment on Typology of Money Laundering Crimes/Terrorist Financing Crimes/Prevention and Eradication of Weapons
of Mass Destruction Financing through Credit and Treasury from Andara Sarana
Training Indonesia Human Capital Beyond and Summit dari Qubisa Anugrah Indonesia
Training Indonesia Human Capital Beyond and Summit from Qubisa Anugrah Indonesia
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Komite Audit Audit Committee
Komite Audit merupakan komite di bawah Dewan Komisaris Audit Committee is the committee under the Board of Commissioners
yang berfungsi untuk mengawasi efektivitas sistem pengendalian that functions to oversee the effectiveness of internal control
internal dan sistem manajemen risiko, pelaksanaan audit, serta system and risk management system, audit implementation, and
implementasi GCG. GCG implementation.
Pedoman Komite Audit Audit Committee Charter
Komite Audit telah memiliki Piagam Komite Audit yang terakhir The Audit Committee has Audit Committee Charter which was
kali diperbarui berdasarkan Keputusan Dewan Komisaris last updated based on the Board of Commissioners’ Decision
No. 001/SK-KOM/12/23 tanggal 6 Desember 2023 tentang Piagam No. 001/SK-KOM/12/23 dated 6 December 2023 on Charter and
dan Pedoman Kerja Komite Audit PT Bank Victoria International Tbk. Work Guidelines of the Audit Committee of PT Bank Victoria
International Tbk.
Tugas dan Tanggung Jawab Komite Audit Duties and Responsibilities of Audit Committee
Komite Audit telah melakukan tindakan sebagaimana The Audit Committee has taken actions as referred to in Article 10
dimaksud dalam Pasal 10 Peraturan Otoritas Jasa Keuangan of Financial Services Authority Regulation No. 55/POJK.04/2015
No. 55/POJK.04/2015 tentang Pembentukan dan Pedoman on Establishment and Guideline for Duty Implementation of
Pelaksanaan Kerja Komite Audit terkait dengan penyusunan dan Audit Committee related to the preparation and issuance of
penerbitan Laporan Keuangan Tahunan per 31 Desember 2024 dan Annual Financial Statements as of 31 December 2024 and the
Laporan Tahunan 2024. Dalam pelaksanaan tugas tersebut, Komite 2024 Annual Report. In performing these duties, the Audit
Audit telah melaksanakan pengkajian terhadap Laporan Keuangan, Committee reviewed the Financial Statements, held discussions
melakukan pembahasan dengan manajemen, memberikan rekomendasi with management, provided recommendations to the Board of
kepada Dewan Komisaris mengenai penunjukan akuntan publik yang Commissioners regarding the appointment of public accountant
didasarkan pada independensi, ruang lingkup penugasan, dan imbalan based on independence, scope of assignment, and service fees,
jasa serta berkomunikasi dengan akuntan publik yang ditunjuk untuk and communicated with the public accountant appointed to audit
audit Laporan Keuangan Tahunan 2024. Sebagai bagian dari proses the 2024 Annual Financial Statements. As part of such process, the
tersebut, Komite Audit telah menyelenggarakan rapat internal serta Audit Committee held internal meetings and meetings with public
rapat dengan akuntan publik dan pihak terkait lainnya. accountants and other related parties.
Adapun tugas dan tanggung jawab Komite Audit meliputi hal-hal Duties and responsibilities of the Audit Committee include the
berikut: following:
1. Melakukan penelaahan dan klarifikasi atas informasi keuangan 1. Reviewing and clarifying the financial information to be issued
yang akan dikeluarkan Bank atau perusahaan publik kepada by the Bank or public company to the public and/or authorities;
publik dan/atau pihak otoritas;
2. Melakukan seleksi, penunjukan, dan pengawasan pekerjaan 2. Selecting, appointing, and monitoring independent auditor’s
auditor independen; work;
3. Mengevaluasi efektivitas pelaksanaan pekerjaan auditor 3. Evaluating the effectiveness of implementation of independent
independen; auditor function;
4. Melakukan seleksi, penunjukan, dan pengawasan pekerjaan 4. Selecting, appointing, and monitoring Independent Auditor’s
Auditor Independen terkait kinerja SKAI 3 (tiga) tahunan; work related to triennial SKAI performances 3 (three) years);
5. Melakukan penelaahan atas pelaksanaan pemeriksaan oleh 5. Reviewing the audit conducted by internal auditor and
auditor internal dan mengawasi pelaksanaan tindak lanjut oleh supervising the follow up conducted by the Board of Directors
Direksi atas temuan auditor internal; on internal auditor findings;
6. Mengevaluasi efektivitas pengendalian internal; 6. Evaluating the effectiveness of internal control;
7. Memastikan kegiatan operasi bank dijalankan dengan mematuhi 7. Ensuring the bank’s operational activities are carried out in
peraturan perundang-undangan yang berlaku; compliance with the applicable laws and regulations;
8. Melakukan koordinasi dengan Komite Manajemen Risiko dalam 8. Coordinating with the Risk Management Committee in risk
hal pemantauan risiko dan mitigasinya; dan monitoring and mitigation; and
9. Melakukan penilaian sendiri terhadap efektivitas pelaksanaan 9. Conducting self-assessment on the effectiveness of implementation
tugas Komite Audit. of Audit Committee’s duties.
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Tata Kelola Perusahaan
Good Corporate Governance
Komite Audit juga mempunyai wewenang sebagaimana diatur dalam The Audit Committee also has the authority as stipulated in Article
Pasal 11 Peraturan Otoritas Jasa Keuangan No. 55/POJK.04/2015 11 of Financial Services Authority Regulation No. 55/POJK.04/2015,
di antaranya: including:
1. Mengakses dokumen, data, dan informasi Bank tentang 1. Access the Bank’s document, data, and information about
karyawan, dana, aset, dan sumber daya Bank yang diperlukan; Bank’s employees, funds, assets, and resources required;
2. Berkomunikasi langsung dengan karyawan, termasuk Direksi dan 2. Communicate directly with employees, including Board of
pihak yang menjalankan fungsi audit internal, manajemen risiko, Directors and parties carrying out functions of internal audit,
dan akuntan terkait tugas dan tanggung jawab Komite Audit; risk management, and accountant, related to the duties and
responsibilities of the Audit Committee;
3. Melibatkan pihak independen di luar anggota Komite Audit 3. Involve independent parties outside the Audit Committee
yang diperlukan untuk membantu pelaksanaan tugasnya members who are required to assist in performing their duties
(jika diperlukan); dan (if necessary); and
4. Melakukan kewenangan lain yang diberikan oleh Dewan Komisaris. 4. Perform other authorities assigned by the Board of Commissioners.
Dalam menjalankan wewenangnya, Komite Audit tidak mengalami In exercising its authority, the Audit Committee did not experience
kendala atau pembatasan, sehingga dapat menjalankan tugasnya any obstacles or restrictions, and therefore, it could perform its
secara optimal. Namun, jika di masa mendatang terdapat kendala duties optimally. However, in the event of any obstacles or barriers in
atau hambatan yang menghalangi pelaksanaan wewenangnya, the future that hinder the implementation of its authority, the Audit
Komite Audit akan segera melaporkannya kepada Dewan Komisaris Committee will immediately report it to the Board of Commissioners
dan berkoordinasi untuk mencari solusi yang tepat. Dengan and coordinate to find the right solution. Thus, the Committee
demikian, Komite memastikan bahwa tugas dan tanggung jawabnya ensures that its duties and responsibilities can still be carried out
tetap dapat dijalankan secara efektif, sesuai dengan prinsip GCG. effectively, in accordance with GCG principles.
Komposisi dan Masa Jabatan Komite Audit Composition and Term of Office of
the Audit Committee
Komite Audit minimal terdiri dari 1 (satu) orang Komisaris Independen The Audit Committee consists of at least 1 (one) Independent
sebagai ketua dan 2 (dua) orang pihak independen yang memiliki Commissioner as chairman and 2 (two) members of independent
keahlian di bidang keuangan, hukum, dan perbankan sebagai anggota. parties with expertise in finance, legal, and banking. The term of
Masa jabatan anggota Dewan Komisaris yang merangkap sebagai office of Board of Commissioners’ members who concurrently serve
anggota Komite Audit sama dengan masa kerja penunjukannya sebagai as member of Audit Committee are the same as the term of office
anggota Dewan Komisaris yang ditentukan oleh RUPS. Sedangkan, of the appointment as the Board of Commissioners’ members as
masa jabatan Komite Audit yang bukan merupakan anggota Dewan determined by the GMS. Meanwhile, the term of office of Audit
Komisaris tidak boleh lebih lama dari masa jabatan Dewan Komisaris. Committee who are not members of Board of Commissioners can
not be longer than the Board of Commissioners’ term of office.
Berikut komposisi Komite Audit Bank per 31 Desember 2024 yang The following is the composition of the Bank’s Audit Committee
diangkat berdasarkan Keputusan Direksi No. 002A/SK-DIR/11/22 as of 31 December 2024, appointed based on Board of Directors’
tanggal 9 November 2022: Decision No. 002A/SK-DIR/11/22 dated 9 November 2022:
Nama Posisi di Komite Jabatan di Bank Keahlian
Name Position in the Committee Position at the Bank Expertise
Ketua Komisaris Utama Independen Perbankan, Manajemen Risiko, dan GCG
Zaenal Abidin Ph.D
Chairman Independent President Commissioner Banking, Risk Management, and GCG
Anggota Pihak Independen Perbankan dan Audit
Medi Sejati
Member Independent Party Banking and Audit
Anggota Pihak Independen Manajemen Risiko dan Perbankan
Yozef Abdulrachman
Member Independent Party Risk Management and Banking
Saat ini, Bank memiliki 2 (dua) orang Komisaris Independen sesuai At this time, the Bank has 2 (two) Independent Commissioners in
dengan Peraturan Otoritas Jasa Keuangan No. 17 Pasal 64 ayat 4, line with Financial Services Authority Regulation No. 17 Article 64
salah satu Komisaris Independen tersebut menjabat sebagai Ketua paragraph 4, one of the Independent Commissioners serves as
Komite Audit. Meski Ketua Komite Audit juga menjabat sebagai the Chairman of Audit Committee. Though the Audit Committee’s
Komisaris Utama Independen, Bank tetap menjamin bahwa tugas dan Chairman also serves as Independent President Commissioner,
tanggung jawab yang diemban dijalankan secara independen, sesuai the Bank still guarantees that the duties and responsibilities held
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dengan prinsip GCG. Dengan demikian, integritas dan objektivitas are carried out independently, in accordance with GCG principles.
dalam pengawasan serta pelaksanaan fungsi audit internal tetap Thus, integrity and objectivity in monitoring and implementation
terjaga demi menjaga kepentingan seluruh pemangku kepentingan. of internal audit function are maintained in order to protect the
interests of all stakeholders.
Profil Komite Audit Audit Committee’s Profile
Profil Komite Audit telah disampaikan pada Profil Dewan Komisaris Profile of the Audit Committee is presented in the Board of
dan profil Komite Pemantau Risiko. Commissioners’ Profile and Risk Monitoring Committee’s profile.
Independensi Komite Audit Independency of the Audit Committee
Seluruh anggota Komite Audit telah bertindak secara independen All members of the Audit Committee have acted independently
tanpa adanya intervensi dari pihak manapun yang tercermin dalam without any intervention from any party as reflected in the fulfillment
pemenuhan aspek independensi oleh seluruh anggota Komite Audit of independency aspect by all Audit Committee members, which is
yang diungkapkan sebagai berikut: disclosed as follows:
1. Tidak memiliki hubungan keuangan dengan Dewan Komisaris, 1. Does not have financial relationship with the Board of Commissioners,
Direksi, serta Pemegang Saham Utama dan Pengendali; Board of Directors, and Main and Controlling Shareholders;
2. Tidak memiliki hubungan kepemilikan saham di Bank, baik 2. Does not have share ownership relationship in the Bank, either
secara langsung maupun tidak langsung; directly or indirectly;
3. Tidak memiliki hubungan kepengurusan di Bank, Entitas Anak, 3. Does not have management relationship in the Bank, Subsidiary,
maupun perusahaan afiliasi; and affiliated company;
4. Tidak memiliki hubungan keluarga dengan Dewan Komisaris, 4. Does not have family relationship with the Board of
Direksi, Pemegang Saham Utama dan Pengendali, dan/atau Commissioners, Board of Directors, Main and Controlling
sesama anggota Komite Audit; dan Shareholders, and/or among members of Audit Committee; and
5. Tidak menjabat sebagai pengurus partai politik, pejabat, 5. Does not hold position as administrator of political party, state,
dan pemerintah. and government.
Rapat Komite Audit Audit Committee’s Meeting
Berdasarkan Peraturan Otoritas Jasa Keuangan No. 17 Tahun 2023, Pursuant to the Financial Services Authority Regulation No. 17 of
Komite Audit diwajibkan untuk melaksanakan rapat minimal sebulan 2023, the Audit Committee is required to hold meeting at least
sekali dengan rapat dipimpin langsung oleh Ketua Komite Audit. once a month, with the meeting chaired directly by the Audit
Rapat dapat dilaksanakan apabila dihadiri oleh minimal 51% dari Committee’s Chairman. A meeting can be held if attended by at least
total anggota komite, termasuk di antaranya seorang Komisaris 51% of the total committee members, including one Independent
Independen dan anggota independen lainnya. Commissioner and other independent members.
Selama tahun 2024, Komite Audit telah melaksanakan rapat dengan Throughout 2024, the Audit Committee held meetings with details
rincian kehadiran masing-masing anggota sebagai berikut: of each member’s attendance as follows:
Tingkat Kehadiran
Nama Jabatan Total Rapat Total Kehadiran
Attendance Rate
Name Position Total Meetings Total Attendance
(%)
Ketua
Zaenal Abidin Ph.D 13 13 100.00
Chairman
Anggota
Medi Sejati 13 13 100.00
Member
Anggota
Yozef Abdulrachman 13 13 100.00
Member
Agenda Rapat Komite Audit Audit Committee’s Meeting Agenda
Sepanjang tahun 2024, rapat Komite Audit membahas berbagai Throughout 2024, the Audit Committee’s meetings discussed
agenda penting, termasuk realisasi rencana kerja Audit/SKAI, various important agenda, including realization of Audit/SKAI work
penerapan Peraturan Otoritas Jasa Keuangan No. 17, serta struktur plan, implementation of Financial Services Authority Regulation
organisasi SKAI. Selain itu, Komite Audit juga mengadakan closing No. 17, and organizational structure of SKAI. Furthermore, the Audit
meeting dengan Kantor Akuntan Publik Ernst & Young untuk Committee also held closing meeting with Public Accounting Firm
membahas hasil audit eksternal. Pembahasan lainnya mencakup Ernst & Young to discuss external audit results. Other discussions
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Tata Kelola Perusahaan
Good Corporate Governance
sosialisasi recovery plan sebagai langkah antisipasi terhadap include the dissemination of recovery plan as an anticipatory
potensi risiko serta pemeriksaan khusus terhadap Kantor Cabang measure against potential risks and special audit of BSD Branch
BSD untuk memastikan kepatuhan operasional sesuai dengan Office to ensure operational compliance in accordance with the
regulasi yang berlaku. applicable regulations.
Laporan Singkat Pelaksanaan Kegiatan Komite Audit Brief Report on Implementation of Audit Committee’s Activities
Tahun 2024 in 2024
Sepanjang tahun 2024, Komite Audit telah melaksanakan kegiatan Throughout 2024, the Audit Committee carried out activities as
sebagai bentuk pelaksanaan tugas dan tanggung jawabnya yang the implementation of its duties and responsibilities as
diuraikan sebagai berikut: described below:
1. Melakukan pengkajian terhadap Laporan Keuangan Tahunan 1. Reviewing the 2024 Annual Financial Statements;
2024;
2. Membahas laporan keuangan dengan manajemen; 2. Discussing financial statements with the management;
3. Melakukan komunikasi dengan akuntan publik terkait audit 3. Communicating with public accountant regarding audit of the
Laporan Keuangan Tahunan 2024; 2024 Annual Financial Statements;
4. Menyelenggarakan rapat internal serta rapat dengan akuntan 4. Holding 13 (thirteen) internal meetings and meetings with
publik sebanyak 13 (tiga belas) kali; public accountant;
5. Mengevaluasi realisasi penggunaan jasa audit oleh kantor 5. Evaluating the realization of audit services by public accounting
akuntan publik/akuntan publik; firm/public accountant;
6. Menyeleksi, menunjuk, dan mengawasi pekerjaan Auditor 6. Selecting, appointing, and supervising the Independent Auditor’s
Independen untuk jasa audit informasi keuangan tahunan; work for the service of annual financial information audit;
7. Mengevaluasi efektivitas pelaksanaan fungsi internal audit 7. Evaluating the effectiveness of implementation of the internal
(SKAI); audit function (SKAI);
8. Menelaah efektivitas dan efisiensi pengendalian internal 8. Reviewing the effectiveness and efficiency of quarterly internal
triwulanan; control;
9. Menelaah kepatuhan terhadap peraturan perundang-undangan; 9. Reviewing the compliance with laws and regulations;
10. Menelaah Laporan Pokok-Pokok Audit Internal (LPPAI) SKAI 10. Reviewing the SKAI & Internal Audit Principles Report (LPPAI)
Semesteran; dan semi-annually; and
11. Meninjau ulang penyusunan rencana kerja tahunan SKAI. 11. Reviewing the preparation of annual work plan of SKAI.
Selain itu, Komite Audit telah melakukan penelaahan dan peninjauan Furthermore, the Audit Committee also conducted assessment and
melalui analisis laporan dan rapat, yang hasilnya disampaikan review through report analysis and meetings, the results of which
kepada Dewan Komisaris melalui Memo Intern di antaranya terkait: were submitted to the Board of Commissioners through Internal
Memo including:
1. Laporan Tahunan Komite Audit Tahun 2023; 1. The Audit Committee’s Annual Report in 2023;
2. Laporan Hasil Pemeriksaan SKAI, Divisi Kepatuhan, dan sistem 2. Report on Audit Results of SKAI, Compliance Division, and
prosedur posisi Agustus 2023; system procedures for August 2023;
3. Laporan Hasil Pemeriksaan SKAI, Departemen AML, CTF & WMD 3. Report on Audit Results of SKAI, AML, CTF & WMD Departments
posisi November 2023; dan for November 2023; and
4. Berbagai laporan terkait evaluasi kinerja divisi, kepatuhan 4. Various reports related to division performance evaluation,
internal, pengendalian keuangan, dan audit atas informasi internal compliance, financial control, and audit of historical
keuangan historis sepanjang tahun 2023-2024. financial information throughout 2023-2024.
Pelatihan dan/atau Peningkatan Komite Audit Audit Committee’s Training and/or
Development Programs
Pengembangan kompetensi yang diikuti oleh anggota Komite Audit di The competency development attended by Audit Committee members
tahun 2024 telah disampaikan pada pelatihan dan/atau peningkatan in 2024 was presented in the training and/or competency development
kompetensi Dewan Komisaris dan Komite Pemantau Risiko. of the Board of Commissioners and Risk Monitoring Committee.
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Organ Pendukung Dewan Komisaris
Board of Commissioners’ Supporting Organ
Sekretaris Dewan Komisaris Secretary of the Board of Commissioners
Sekretaris Dewan Komisaris diangkat oleh Bank dengan tanggung Secretary of the Board of Commissioners is appointed by the Bank
jawab utama untuk mendukung administrasi Dewan Komisaris with its main responsibility to support the Board of Commissioners’
serta mengoordinasikan kegiatan identifikasi, perencanaan, dan administration and coordinate the identification, planning, and
pelaksanaan strategi pengelolaan kesekretariatan dan protokoler implementation activities of secretariat management strategy and
Dewan Komisaris. Dalam menjalankan tugasnya, Sekretaris Dewan Board of Commissioners’ protocols. In performing its duties, the
Komisaris bertanggung jawab langsung kepada Dewan Komisaris, Secretary of the Board of Commissioners is directly responsible to
dengan tujuan menciptakan fungsi kesekretariatan yang efektif dan the Board of Commissioners, with the aim of creating an effective
efisien. Hal ini diharapkan dapat mendukung kelancaran operasional and efficient secretariat function. This is expected to support
Dewan Komisaris dalam menjalankan perannya secara optimal. the smooth operation of Board of Commissioners in optimally
performing its role.
Tugas dan Tanggung Jawab Sekretaris Duties and Responsibilities of
Dewan Komisaris Board of Commissioners’ Secretary
Sekretaris Dewan Komisaris memiliki tugas dan tanggung jawab The Secretary of the Board of Commissioners has duties and
sebagai berikut: responsibilities as follows:
1. Membantu Dewan Komisaris dalam menjaga agar pelaksanaan 1. To help the Board of Commissioners in maintaining the
BOC Charter secara teknis dapat dilakukan dengan tertib; implementation of BOC Charter technically, so that it can be
conducted in an orderly manner;
2. Mengatur terselenggaranya rapat Dewan Komisaris; 2. To manage the implementation of Board of Commissioners’
meetings;
3. Menyiapkan risalah rapat untuk disahkan dalam rapat 3. To prepare minutes of meeting to be validated in the next
berikutnya; meeting;
4. Menyiapkan laporan tentang pelaksanaan keputusan rapat 4. To prepare report on the implementation of meeting decisions
guna dikaji dalam rapat berikutnya; dan in order to be reviewed in the next meeting; and
5. Menjaga kerahasiaan seluruh dokumen yang menurut sifatnya 5. To maintain the confidentiality of all confidential documents.
harus dirahasiakan.
Komite di Bawah Direksi
Board of Directors’ Subordinate Committees
Komite Manajemen Risiko Risk Management Committee
Komite Manajemen Risiko adalah komite eksekutif yang dibentuk The Risk Management Committee is an executive committee
oleh Direksi sebagai wadah pengambilan keputusan dan memastikan established by the Board of Directors as a forum for decision-making and
efektivitas pelaksanaan dan pengelolaan risiko. Komite ini bertanggung ensuring the effectiveness of risk implementation and management.
jawab dalam perumusan kebijakan, strategi, dan sasaran di bidang This committee is responsible for formulating policies, strategies, and
manajemen risiko, sebagaimana diatur dalam Surat Keputusan targets in risk management, as stipulated in the Board of Directors’
Direksi No. 019A/SK-DIR/10/23 tanggal 19 Oktober 2023 tentang Decision Letter No. 019A/SK-DIR/10/23 dated 19 October 2023 on
Pedoman dan Tata Tertib Risk Management Committee. Guidelines and Procedures of the Risk Management Committee.
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Tata Kelola Perusahaan
Good Corporate Governance
Pedoman Komite Manajemen Risiko Risk Management Committee Charter
Dalam melaksanakan tugas dan tanggung jawabnya, Komite In performing its duties and responsibilities, the Risk Management
Manajemen Risiko mengacu pada Peraturan Otoritas Jasa Keuangan Committee refers to Financial Services Authority Regulation
No. 18/POJK.03/2016 tanggal 22 Maret 2016 tentang Penerapan No. 18/POJK.03/2016 dated 22 March 2016 on Risk Management
Manajemen Risiko bagi Bank Umum, Surat Edaran Otoritas Jasa Implementation for Commercial Banks, Financial Services Authority
Keuangan No. 34/SEOJK.03/2016 tanggal 1 September 2016 Circular No. 34/SEOJK.03/2016 dated 1 September 2016 on Risk
tentang Penerapan Manajemen Risiko bagi Bank Umum, Peraturan Management Implementation for Commercial Banks, Financial
Otoritas Jasa Keuangan No. 17 Tahun 2023 tentang Tata Kelola Services Authority Regulation No. 17 of 2023 on Governance for
bagi Bank Umum, dan Surat Edaran Otoritas Jasa Keuangan Commercial Banks, and Financial Services Authority Circular
No. 13/SEOJK.03/2017 tentang Penerapan Tata Kelola bagi Bank Umum. No. 13/SEOJK.03/2017 on Governance Implementation for
Commercial Banks.
Pernyataan Independensi Statement of Independence of
Komite Manajemen Risiko Risk Management Committee
Seluruh anggota Komite Manajemen Risiko senantiasa mengedepankan All members of Risk Management Committee always prioritize
prinsip independensi dalam setiap pelaksanaan tugas dan tanggung independence principle in every implementation of their duties and
jawabnya demi menjamin tidak terjadinya hal-hal yang berpotensi responsibilities to ensure that there are no potential conflicts of
menimbulkan benturan kepentingan dan kerugian bagi Bank. interest nor losses for the Bank.
Wewenang, Tanggung Jawab, Authorities, Responsibilities, Duties,
dan Tugas serta Realisasi Pelaksanaan and the Realization of Risk Management
Tugas Komite Manajemen Risiko Committee Duties
Wewenang, tanggung jawab, dan tugas serta realisasi pelaksanaan The authorities, responsibilities, duties, and the realization of
tugas dari Komite Manajemen Risiko di tahun 2024 diuraikan Risk Management Committee’s duties in 2024 are described
sebagai berikut: as follows:
1. Wewenang dan tanggung jawab: 1. Authorities and responsibilities:
a. Menyusun dan menyetujui kebijakan, strategi, dan pedoman a. Preparing and approving policies, strategies, and
penerapan manajemen risiko Bank, termasuk strategi guidelines for implementing the Bank’s risk management,
kerangka kerja, metodologi, sistem, dan tools pengelolaan including strategy framework, methodology, system, and
risiko termasuk rencana-rencana kontingensi dan risk management tools including contingency plans and
memastikan penerapannya yang meliputi semua jenis risiko; ensuring their implementation covering all types of risks;
b. Melakukan penyempurnaan proses manajemen risiko b. Improving the risk management process, both periodically
secara berkala maupun bersifat insidental sebagai akibat or incidental as result of changes in the external and
dari suatu perubahan kondisi eksternal dan internal yang internal conditions affecting the capital adequacy, risk
memengaruhi kecukupan permodalan, profil risiko, dan profile, and ineffective implementation of risk management
tidak efektifnya penerapan manajemen risiko berdasarkan based on evaluation results;
hasil evaluasi;
c. Menetapkan hal-hal terkait dengan keputusan bisnis yang c. Determining matters related to business decisions that
menyimpang dari prosedur normal seperti pelampauan deviate from normal procedures, such as significant
ekspansi usaha yang signifikan dibandingkan dengan excess of business expansion compared to the established
rencana bisnis yang telah ditetapkan sebelumnya atau business plan or taking a position/risk exposure that
pengambilan posisi/eksposur risiko yang melampaui limit exceeds the established limits; and
yang telah ditetapkan; dan
d. Menyusun dan menyetujui recovery plan yang merupakan d. Preparing and approving recovery plan that is the guideline
pedoman bagi Bank dalam mengelola risiko dan modal for the Bank in managing risk and capital in crisis condition
dalam kondisi krisis agar dapat ditanggulangi secara cepat so that it can be handled quickly and appropriately.
dan tepat.
2. Tugas dan realisasi: 2. Duties and realizations:
a. Melakukan pengembangan atas penerapan budaya risiko a. Developing the implementation of risk culture for each
untuk setiap jenjang organisasi; organizational level;
b. Mengevaluasi dan menyesuaikan Kebijakan dan Pedoman b. Evaluating and adjusting the Risk Management Policy and
Umum Penerapan Manajemen Risiko dengan kebijakan General Guidelines with authority policies to regulatory
otoritas yang disesuaikan dengan ukuran dan kompleksitas policies, which are adjusted to the Bank’s business size and
usaha Bank serta risiko yang melekat pada Bank; complexity and the risks inherent in the Bank;
c. Mengevaluasi arah, strategi, dan program manajemen c. Evaluating risk management direction, strategy, and
risiko; program;
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d. Memantau implementasi Kebijakan dan Pedoman Umum d. Monitoring the implementation of Risk Management Policy
Penerapan Manajemen Risiko; and General Guidelines;
e. Memantau posisi risiko secara komprehensif, melakukan e. Monitoring the risk position comprehensively, conducting
stress testing dan back testing; stress testing and back testing;
f. Mengkaji proses manajemen risiko secara berkala; f. Reviewing the risk management process periodically;
g. Mengkaji usulan aktivitas/produk baru; g. Reviewing any proposed new activities/products;
h. Melakukan pengungkapan manajemen risiko yang h. Conducting risk management disclosure that includes
mencakup kinerja dan arah kebijakan manajemen risiko; performance and policy direction of risk management;
i. Mengevaluasi recovery plan secara berkala; dan i. Evaluating recovery plans periodically; and
j. Menyetujui langkah-langkah perbaikan untuk mengatasi j. Approving corrective measures to address risk issues that
masalah risiko yang menjadi perhatian regulator. are of concern to regulators.
Struktur dan Keanggotaan Structure and Composition of
Komite Manajemen Risiko Risk Management Committee
Komite Manajemen Risiko terdiri dari mayoritas anggota Direksi The Risk Management Committee consists of a majority of Board
yang berperan sebagai anggota tetap, serta anggota tidak tetap of Directors’ members who act as permanent members, as well as
yang berasal dari Pejabat Eksekutif Bank. Penunjukan anggota non-permanent members who come from the Bank’s Executive
Direksi dan Pejabat Eksekutif dalam komite dilakukan oleh Officers. The appointment of members of Board of Directors
Direktur Utama, dengan mempertimbangkan eksposur risiko Bank. and Executive Officers in the committee is carried out by the
Susunan keanggotaan Komite Manajemen Risiko telah ditetapkan President Director, with due observance of the Bank’s risk exposure.
melalui Keputusan Direksi No. 020/SK-DIR/01/24 tanggal The composition of Risk Management Committee has been
24 Januari 2024 tentang Perubahan Penunjukan Susunan Anggota determined through the Board of Directors’ Decision Letter
Komite Manajemen Risiko PT Bank Victoria Internasional Tbk, No. 020/SK-DIR/01/24 dated 24 January 2024 on Changes in the
sebagai berikut: Appointment of Members of Risk Management Committee of
PT Bank Victoria Internasional Tbk, as follows:
1. Ketua diisi oleh Direktur Utama; 1. Chairman held by the President Director;
2. Wakil Ketua diisi oleh Direktur Kepatuhan dan Manajemen 2. Vice Chairman held by the Director of Compliance and
Risiko; Risk Management;
3. Sekretaris diisi oleh Kepala Divisi Manajemen Risiko; 3. Secretary held by the Head of Risk Management Division;
4. Anggota diisi oleh Direksi dan Senior Executive Vice President; 4. Members held by the Board of Directors and Senior Executive
Vice President;
5. Undangan Tetap Anggota diisi oleh Kepala Divisi SKAI, Kepala 5. Permanent Invitation for Members filled in by Head of SKAI Division,
Divisi IT, Kepala Divisi Treasury, Kepala Divisi Operation & Head of IT Division, Head of Treasury Division, Head of Operation
Internal Control, Kepala Divisi Finance and Accounting, & Internal Control Division, Head of Finance and Accounting
Kepala Divisi CMO, dan Kepala Divisi Compliance, System Division, Head of CMO Division, and Head of Compliance, System
Procedure & Customer Protection; dan Procedure & Customer Protection Division; and
6. Undangan Tidak Tetap diisi oleh pihak internal dan eksternal 6. Non-Permanent Invitation filled in by invited internal and
yang diundang. external parties.
Rapat Komite Manajemen Risiko Risk Management Committee’s Meeting
Sesuai dengan Surat Keputusan Direksi No. 019A/SK-DIR/10/23 Pursuant to the Board of Directors’ Decision Letter
tanggal 19 Oktober 2023 tentang Pedoman dan Tata Tertib Risk No. 019A/SK-DIR/10/23 dated 19 October 2023 on Guidelines and
Management Committee, Komite Manajemen Risiko diwajibkan Procedures of Risk Management Committee, the Risk Management
untuk melaksanakan rapat minimal 3 (tiga) bulan sekali. Rapat dapat Committee is required to hold meeting at least once every 3 (three)
dilaksanakan apabila dihadiri oleh minimal 51% dari anggota tetap. months. A meeting can be held if attended by at least 51% of
Komite Manajemen Risiko telah melaksanakan rapat sebanyak the permanent members. The Risk Management Committee held
4 (empat) kali di tahun 2024 dengan tingkat kehadiran 64,00%. 4 (four) meetings in 2024 with an attendance rate of 64.00%.
Komite Manajemen Risiko Terintegrasi Integrated Risk Management Committee in
dalam Grup Keuangan the Financial Group
Komite Manajemen Risiko Terintegrasi adalah komite eksekutif yang The Integrated Risk Management Committee is the executive
bertanggung jawab untuk memastikan penerapan manajemen risiko committee responsible for ensuring the risk management
sesuai dengan karakteristik dan kompleksitas operasional Grup implementation is in accordance with the characteristics and
Keuangan Victoria. Komite Manajemen Risiko Terintegrasi berperan complexity of Victoria Financial Group. The Integrated Risk
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Tata Kelola Perusahaan
Good Corporate Governance
dalam mengoordinasikan pengelolaan risiko secara menyeluruh, Management Committee plays a role in coordinating the overall risk
sehingga dapat mendukung stabilitas dan keberlanjutan management, thus it can support the stability and sustainability of
operasional Grup. the Group’s operations.
Pedoman Komite Manajemen Risiko Terintegrasi Guidelines of Integrated Risk Management
dalam Grup Keuangan Committee in the Financial Group
Berdasarkan Surat Otoritas Jasa Keuangan No. S-66/PB.33/2021 Based on the Financial Services Authority Circular No. S-66/PB.33/2021
tanggal 23 Juni 2021 tentang Perubahan Status Konglomerasi dated 23 June 2021 on Changes in Status of Victoria Group
Keuangan Grup Victoria menjadi Grup Keuangan Victoria, di mana Financial Conglomeration to Victoria Financial Group, the Bank is
Bank ditunjuk sebagai Entitas Koordinator. Pelaksanaan tugas appointed as the Coordinating Entity. The implementation of duties
dan tanggung jawab Komite Manajemen Risiko Terintegrasi dalam and responsibilities of the Integrated Risk Management Committee
Grup Keuangan tidak bertentangan dengan ketentuan Peraturan in Financial Group does not conflict with the provisions of Financial
Otoritas Jasa Keuangan sepanjang dinyatakan tetap berlakunya Services Authority Regulation as long as it states the enforcement
Peraturan Otoritas Jasa Keuangan No. 17/POJK.03/2014 tanggal of Financial Services Authority Regulation No. 17/POJK.03/2014
18 November 2014 tentang Penerapan Manajemen Risiko dated 18 November 2014 on Implementation of Integrated Risk
Terintegrasi bagi Konglomerasi Keuangan, Peraturan Otoritas Jasa Management for Financial Conglomeration, Financial Services
Keuangan No. 18/POJK.03/2014 tanggal 18 November 2014 tentang Authority Regulation No. 18/POJK.03/2014 dated 18 November
Penerapan Tata Kelola Terintegrasi bagi Konglomerasi Keuangan, 2014 on Implementation of Integrated Governance for Financial
dan Peraturan Otoritas Jasa Keuangan No. 26/POJK.03/2015 Conglomeration, and Financial Services Authority Regulation
tanggal 11 Desember 2015 tentang Kewajiban Penyediaan Modal No. 26/POJK.03/2015 dated 11 December 2015 on the Integrated
Minimum Terintegrasi bagi Konglomerasi Keuangan. Capital Adequacy Ratio for Financial Conglomeration.
Pernyataan Independensi Komite Manajemen Statement of Independence of Integrated Risk
Risiko Terintegrasi dalam Grup Keuangan Management Committee in the Financial Group
Seluruh anggota Komite Manajemen Risiko Terintegrasi senantiasa All members of the Integrated Risk Management Committee always
mengedepankan prinsip independensi dalam setiap pelaksanaan prioritize independence principle in every implementation of their
tugas dan tanggung jawabnya demi menjamin tidak terjadinya duties and responsibilities to ensure that there are no potential
hal-hal yang berpotensi menimbulkan benturan kepentingan dan conflicts of interest nor losses for the Bank.
kerugian bagi Bank.
Tugas dan Tanggung Jawab serta Realisasi Duties, Responsibilities, and Realization
Pelaksanaan Tugas Komite Manajemen Risiko of Duties of Integrated Risk Management
Terintegrasi dalam Grup Keuangan Committee in the Financial Group
Tugas dan tanggung jawab serta realisasi pelaksanaan tugas dari Duties and responsibilities as well as realization of Integrated Risk
Komite Manajemen Risiko Terintegrasi di tahun 2024 diuraikan Management Committee’s duties in 2024 were described as follows:
sebagai berikut:
1. Mengembangkan penerapan budaya risiko secara terintegrasi 1. Developing risk culture in an integrated manner as part of
sebagai bagian dari penerapan manajemen risiko terintegrasi integrated risk management implementation in Victoria Financial
Grup Keuangan Victoria; Group;
2. Melaksanakan kebijakan manajemen risiko secara terintegrasi 2. Implementing risk management policies in an integrated
dalam Grup Keuangan Victoria yang telah ditetapkan; manner within the established Victoria Financial Group;
3. Memberikan rekomendasi serta perbaikan atau penyempurnaan 3. Providing recommendations for improvements or refinements
dalam hal penyusunan kebijakan manajemen risiko secara in formulating integrated risk management policies within
terintegrasi dalam Grup Keuangan Victoria; Victoria Financial Group;
4. Mengarahkan, menyetujui, memantau, mengevaluasi, dan 4. Directing, approving, monitoring, evaluating, and adjusting
menyesuaikan kebijakan dan/atau pedoman umum penerapan the policies and/or general guidelines on integrated risk
manajemen risiko terintegrasi dalam Grup Keuangan Victoria management implementation in Victoria Financial Group in
sesuai dengan ukuran dan kompleksitas usaha anggota Grup accordance with the business size and complexity of Victoria
Keuangan Victoria; dan Financial Group members; and
5. Mengevaluasi arah, strategi, dan program manajemen risiko 5. Evaluating the directions, strategies, and integrated risk
terintegrasi dalam Grup Keuangan Victoria. management program of Victoria Financial Group.
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Struktur dan Keanggotaan Komite Manajemen Structure and Composition of Integrated Risk
Risiko Terintegrasi dalam Grup Keuangan Management Committee in the Financial Group
Susunan keanggotaan Komite Manajemen Risiko Terintegrasi The composition of the Integrated Risk Management Committee
sesuai Surat Keputusan Direksi No. 001/SK-DIR/08/21 tanggal according to the Board of Directors’ Decision Letter No. 001/SK-DIR/08/21
20 Agustus 2021, sebagai berikut: dated 20 August 2021, is as follows:
1. Ketua (Anggota) diisi oleh Direktur Kepatuhan dan Manajemen 1. Chairman (Member) held by Director of Compliance and Risk
Risiko Entitas Koordinator; Management of Coordinator Entity;
2. Sekretaris (Anggota) diisi oleh Kepala Divisi Risk Management/ 2. Secretary (Member) held by Head of Risk Management/
Integrated Entitas Koordinator; dan Integrated Division of Coordinator Entity; and
3. Anggota diisi oleh Bank Victoria Syariah (Direktur yang 3. Members held by Bank Victoria Syariah (Director in charge of
membawahi fungsi manajemen risiko, dan Unit Manajemen risk management function, and Risk Management Unit), Victoria
Risiko), Victoria Sekuritas Indonesia (Direktur yang membawahi Sekuritas Indonesia (Director in charge of risk management
fungsi manajemen risiko, dan Kepala Unit Manajemen function, and Head of Risk Management Unit), Victoria
Risiko), Victoria Insurance (Direktur yang membawahi fungsi Insurance (Director in charge of risk management function, and
manajemen risiko, dan Pejabat Eksekutif yang memimpin Executive Officer in charge of Head of Risk Management Work
Satuan Kerja Manajemen Risiko), Victoria Manajemen Investasi Unit), Victoria Manajemen Investasi (Director in charge of risk
(Direktur yang membawahi fungsi manajemen risiko, dan Kepala management function, and Head of Risk Management Unit),
Unit Manajemen Risiko), dan Victoria Alife Indonesia (Direktur Victoria Alife Indonesia (Director in charge of risk management
yang membawahi fungsi manajemen risiko, dan Pejabat function, and Executive Officer in charge of Risk Management
Eksekutif yang memimpin Satuan Kerja Manajemen Risiko). Work Unit).
Rapat Komite Manajemen Risiko Terintegrasi Integrated Risk Management Committee’s
dalam Grup Keuangan Meeting in Financial Group
Sesuai dengan Surat Keputusan Direksi No. 002/SK-DIR/08/21 Pursuant to the Board of Directors’ Decision Letter No. 002/SK-DIR/08/21
tentang Pedoman dan Tata Tertib Kerja Komite Manajemen Risiko on Charter and Work Guidelines of Risk Management Committee
Grup Keuangan Victoria, Komite Manajemen Risiko Terintegrasi of Victoria Financial Group, the Integrated Risk Management
diwajibkan untuk melaksanakan rapat minimal 1 (satu) kali Committee is required to hold at least 1 (one) meeting every
setiap semester dalam setahun maupun insidental. Rapat dapat semester in a year or incidentally. A meeting can be held if attended
dilaksanakan apabila dihadiri oleh minimal 51% dari anggota tetap. by at least 51% of the permanent members. The Integrated Risk
Komite Manajemen Risiko Terintegrasi telah melaksanakan rapat Management Committee held 2 (two) meetings in 2024 with an
sebanyak 2 (dua) kali di tahun 2024 dengan tingkat kehadiran attendance rate of 100.00%.
100,00%.
Assets and Liability Committee Assets and Liability Committee
Assets and Liabilities Committee (ALCO) adalah komite eksekutif Assets and Liabilities Committee (ALCO) is an executive committee
yang mendukung Direksi dalam mengoptimalkan pengelolaan that supports the Board of Directors in optimizing asset and liability
aset dan liabilitas dengan tujuan memaksimalkan profit sambil management, with the aim of maximizing profit while minimizing risk
meminimalkan risiko dan memastikan likuiditas Bank terjaga. and maintaining the Bank’s liquidity.
Pedoman ALCO ALCO Charter
Dalam melaksanakan tugas dan tanggung jawabnya, ALCO mengacu In performing its duties and responsibilities, ALCO refers to the
pada Surat Keputusan Direksi No. 004/SK-DIR/09/19 tentang Board of Directors’ Decision Letter No. 004/SK-DIR/09/19 on
Pedoman dan Tata Tertib Kerja Assets & Liabilities Committee (ALCO). Charter and Work Guidelines of Assets & Liabilities Committee (ALCO).
Pernyataan Independensi ALCO Statement of Independency of ALCO
Seluruh anggota ALCO senantiasa mengedepankan prinsip All members of ALCO always prioritize independence principle in
independensi dalam setiap pelaksanaan tugas dan tanggung every implementation of their duties and responsibilities to ensure
jawabnya demi menjamin tidak terjadinya hal-hal yang berpotensi that there are no potential conflicts of interest nor losses for the
menimbulkan benturan kepentingan dan kerugian bagi Bank. Bank.
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Tata Kelola Perusahaan
Good Corporate Governance
Tugas dan Tanggung Jawab serta Realisasi Duties, Responsibilities, and the Realization of
Pelaksanaan Tugas ALCO ALCO Duties
Tugas dan tanggung jawab serta realisasi pelaksanaan tugas dari Duties and responsibilities as well as realization of ALCO’s duties in
ALCO di tahun 2024 diuraikan sebagai berikut: 2024 were described as follows:
1. Memantau dan memperhatikan struktur neraca dan 1. Monitoring and overseeing the balance sheet structure and
memaksimumkan profitabilitas; maximizing profitability;
2. Merencanakan, menetapkan, dan mengendalikan sumber dan 2. Planning, establishing, and controlling the source and use of
penggunaan dana Bank; Bank funds;
3. Menetapkan tingkat suku bunga kredit maupun pendanaan; 3. Establishing interest rates on credit and funding;
4. Melakukan evaluasi anggaran dan realisasi Laporan Keuangan 4. Evaluating the budget and realization of the Bank’s financial
Bank dengan memperhatikan indikator-indikator/risiko Bank; statements with due regard to the Bank’s indicators/risks;
5. Merumuskan, menetapkan, dan mengevaluasi kebijakan, strategi, 5. Formulating, establishing, and evaluating policies, strategies,
dan sasaran dalam beberapa bidang, yaitu Manajemen Strategi, and objectives in several areas, which are Strategic Management,
Manajemen Likuiditas, Manajemen Gap, serta Manajemen Liquidity Management, Gap Management, and Investment and
Investasi dan Pendapatan (Pricing) dalam lingkup ALMA; dan Pricing Management within the scope of ALMA; and
6. Memantau dan memperhatikan perkembangan kondisi ekonomi 6. Monitoring and observing the development of micro and
mikro maupun makro, seperti inflasi, nilai tukar, dan perkembangan macroeconomic conditions, such as inflation, exchange rates,
suku bunga yang dapat memengaruhi kinerja Bank. and interest rate development that may affect the Bank’s
performance.
Struktur dan Keanggotaan ALCO Structure and Composition of ALCO
Susunan keanggotaan ALCO sesuai Surat Keputusan Direksi The composition of ALCO according to the Board of Directors’
No. 009/SK-DIR/03/2019 tentang Susunan Keanggotaan Assets and Decision Letter No. 009/SK-DIR/03/2019 on the Composition
Liabilities Committee (ALCO) PT Bank Victoria International Tbk, of Assets and Liabilities Committee (ALCO) of PT Bank Victoria
sebagai berikut: International Tbk, is as follows:
1. Ketua diisi oleh Direktur Utama; 1. Chairman held by President Director;
2. Sekretaris diisi oleh Kepala Divisi Treasury; 2. Secretary held by Head of Treasury Division;
3. Anggota Tetap diisi oleh seluruh Direksi, seluruh Senior 3. Permanent Members held by all Members of Board of Directors,
Executive Vice President, seluruh Kepala Divisi pada Direktorat all Senior Executive Vice President, all Division Head in the
Bisnis, Kepala Divisi Risk Management/Integrated, dan Kepala Business Directorate, Head of Risk Management/Integrated
Divisi Finance and Accounting; dan Division, and Head of Finance and Accounting Division; and
4. Anggota Tidak Tetap diisi oleh Divisi atau Unit Kerja Lain dan 4. Non-Permanent Members held by Other Divisions or Work Units
seluruh Kepala Area. and all Area Heads.
Rapat ALCO ALCO’s Meeting
Sesuai dengan Pedoman ALCO, ALCO diwajibkan untuk In accordance with ALCO Charter, ALCO is required to hold
melaksanakan rapat minimal sebulan sekali ataupun insidental. meeting at least once a month or incidentally. Meetings can be
Rapat dapat dilaksanakan apabila dihadiri oleh minimal 50% held if attended by at least 50% of the Board of Directors, except
dari Direksi, kecuali Direktur Kepatuhan dan Manajemen Risiko. for the Director of Compliance and Risk Management. ALCO held
ALCO telah melaksanakan rapat sebanyak 15 (lima belas) kali 15 (fifteen) meetings in 2024 with an attendance rate of 90.00%.
di tahun 2024 dengan tingkat kehadiran 90,00%.
Komite Kredit Credit Committee
Komite Kredit dibentuk untuk mendukung proses pemberian kredit Credit Committee is established to support the credit provision process
serta memastikan penetapan jumlah credit exposure Bank sesuai and to ensure that the Bank’s credit exposure amount is determined
dengan batas limit yang telah ditetapkan. Komite Kredit bertanggung in accordance with the specified limit. The Credit Committee is
jawab dalam meninjau, mengevaluasi, dan mengesahkan keputusan responsible for reviewing, evaluating, and approving credit decision
kredit guna menjaga kualitas portofolio kredit Bank. in order to maintain the quality of the Bank’s credit portfolio.
Pedoman Komite Kredit Credit Committee Charter
Dalam melaksanakan tugas dan tanggung jawabnya, Komite Kredit In performing its duties and responsibilities, the Credit Committee
mengacu pada Surat Keputusan Direksi No. 014/SK-DIR/01/24 refers to the Board of Directors’ Decision Letter No. 014/SK-DIR/01/24
tanggal 18 Januari 2024 tentang Pedoman dan Tata Tertib Kerja dated 18 January 2024 on the Guidelines and Procedures of Credit
Komite Kredit. Committee.
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Pernyataan Independensi Komite Kredit Statement of Independence of Credit Committee
Seluruh anggota Komite Kredit senantiasa mengedepankan prinsip All members of Credit Committee always prioritize independence
independensi dalam setiap pelaksanaan tugas dan tanggung principle in every implementation of their duties and responsibilities
jawabnya demi menjamin tidak terjadinya hal-hal yang berpotensi to ensure that there are no potential conflicts of interest nor losses
menimbulkan benturan kepentingan dan kerugian bagi Bank. for the Bank.
Tugas dan Tanggung Jawab serta Realisasi Duties, Responsibilities, and the Realization of
Pelaksanaan Tugas Komite Kredit Credit Committee Duties
Tugas dan tanggung jawab serta realisasi pelaksanaan tugas dari Duties and responsibilities as well as realization of Credit
Komite Kredit di tahun 2024 adalah memberikan persetujuan/ Committee’s duties in 2024 were to approve/reject proposed
penolakan terhadap usulan fasilitas penyediaan dana dari funding facilities from each proposing division/unit.
masing-masing divisi/unit pengusul.
Struktur dan Keanggotaan Komite Kredit Structure and Composition of Credit Committee
Susunan keanggotaan Komite Kredit sesuai Surat Keputusan Direksi The composition of the Credit Committee according to the Board
No. 014/SK-DIR/01/24 tanggal 18 Januari 2024, sebagai berikut: of Directors’ Decision Letter No. 014/SK-DIR/01/24 dated 18 January
2024, is as follows:
1. Ketua diisi oleh Wakil Direktur Utama; 1. Chairman held by Deputy President Director;
2. Wakil Ketua diisi oleh Direktur Bisnis; 2. Vice Chairman held by Director of Business;
3. Sekretaris merangkap Anggota diisi oleh Kepala Divisi Credit 3. Secretary concurrently as Member held by the Head of Credit
Risk Review; Risk Review Division;
4. Anggota diisi oleh Direktur Utama, Direktur Keuangan, SEVP 4. Members held by President Director, Director of Finance, SEVP
of Operation & International Banking, Kepala Divisi SME I & of Operation & International Banking, Head of SME I & Consumer
Consumer Banking, Kepala Divisi Commercial Banking, Kepala Banking Division, Head of Commercial Banking Division, Head
Divisi Special Asset Management, Kepala Divisi Credit Legal, of Special Asset Management Division, Head of Credit Legal
Kepala Divisi Loan & Trade Operation, Credit Monitoring & Division, Head of Loan & Trade Operation Division, Credit
Collection Vice Division Head, Business Linkage Department Monitoring & Collection Vice Division Head, Business Linkage
Head, dan Consumer Department Head; dan Department Head, and Consumer Department Head; and
5. Undangan Tetap diisi oleh Direktur Kepatuhan dan Manajemen 5. Permanent Invitation filled in by Director of Compliance and Risk
Risiko, Kepala Divisi International Banking, Kepala Divisi Management, Head of International Banking Division, Treasury
Treasury, dan Kepala Divisi Compliance, System Procedure & Division Head, and Head of Compliance, System Procedure &
Customer Protection. Customer Protection Division.
Rapat Komite Kredit Credit Committee Meeting
Sesuai dengan Pedoman Komite Kredit, Komite Kredit diwajibkan In accordance with Credit Committee Charter, the Credit Committee
untuk melaksanakan rapat minimal seminggu sekali ataupun is required to hold meeting at least once a week or incidentally.
insidental. Keputusan anggota Komite Kredit harus kuorum dan Decision made by the Credit Committee member must be quorum
bulat/unanimous. Jika terjadi perbedaan keputusan antar anggota and unanimous. In the event of any dispute between the members
Komite Kredit pemutus, maka kredit dianggap tidak disetujui. of the deciding Credit Committee, then the credit will be deemed
Komite Kredit telah melaksanakan rapat sebanyak 89 kali di tahun unapproved. The Credit Committee held 89 meetings in 2024 with
2024 dengan tingkat kehadiran 100,00%. an attendance rate of 100.00%.
Komite Kebijakan Perkreditan Credit Policy Committee
Komite Kebijakan Perkreditan dibentuk oleh Direksi untuk The Credit Policy Committee is established by the Board of
membantu merumuskan kebijakan kredit yang hati-hati, memantau Directors to help formulate prudent credit policies, monitor their
pelaksanaannya, serta mengevaluasi konsistensi dan tanggung implementation, and evaluate consistency and responsibility in
jawab dalam penerapannya. Komite Kebijakan Perkreditan juga their implementation. The Credit Policy Committee also monitors
memonitor kondisi portofolio kredit dan memberikan saran credit portfolio condition and provides suggestions for future
perbaikan untuk ke depannya. improvements.
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Tata Kelola Perusahaan
Good Corporate Governance
Pedoman Komite Kebijakan Perkreditan Credit Policy Committee Charter
Dalam melaksanakan tugas dan tanggung jawabnya, Komite Kebijakan In performing its duties and responsibilities, the Credit Policy
Perkreditan mengacu pada Peraturan Otoritas Jasa Keuangan Committee refers to Financial Services Authority Regulation
No. 42/POJK.03/2017 tentang Kewajiban Penyusunan dan Pelaksanaan No. 42/POJK.03/2017 on Obligation for Compilation and
Kebijakan Perkreditan atau Pembiayaan bagi Bank Umum, Peraturan Implementation of Bank Credit or Financing Policies for Commercial
Otoritas Jasa Keuangan No. 17 Tahun 2023 tentang Tata Kelola Banks, Financial Services Authority Regulation No. 17 of 2023 on
bagi Bank Umum, dan Surat Edaran Otoritas Jasa Keuangan Governance for Commercial Banks, and Financial Services Authority
No. 13/SEOJK.03/2017 tentang Penerapan Tata Kelola bagi Bank Umum. Circular No. 13/SEOJK.03/2017 on Governance Implementation for
Commercial Banks.
Pernyataan Independensi Statement of Independence of
Komite Kebijakan Perkreditan Credit Policy Committee
Seluruh anggota Komite Kebijakan Perkreditan senantiasa All members of Credit Policy Committee always prioritize
mengedepankan prinsip independensi dalam setiap pelaksanaan independence principle in every implementation of their duties and
tugas dan tanggung jawabnya demi menjamin tidak terjadinya responsibilities to ensure that there are no potential conflicts of
hal-hal yang berpotensi menimbulkan benturan kepentingan dan interest nor losses for the Bank.
kerugian bagi Bank.
Wewenang, Tanggung Jawab, dan Tugas serta Authorities, Responsibilities, Duties,
Realisasi Pelaksanaan Tugas Komite Kebijakan and the Realization of Credit Policy
Perkreditan Committee Duties
Wewenang, tanggung jawab, dan tugas serta realisasi pelaksanaan The authorities, responsibilities, duties, and the realization of Credit
tugas dari Komite Kebijakan Perkreditan di tahun 2024 diuraikan Policy Committee’s duties in 2024 are described as follows:
sebagai berikut:
1. Wewenang dan tanggung jawab: 1. Authorities and responsibilities:
a. Memastikan kebijakan perkreditan Bank dan seluruh a. Ensuring that the Bank’s credit policy and all implementing
peraturan pelaksanaannya sesuai dengan peraturan regulations are in accordance with applicable laws and
perundang-undangan dan regulasi yang berlaku; regulations;
b. Memberikan usulan dan rekomendasi terkait aspek b. Providing proposals and recommendations related to credit
perkreditan, termasuk target market, negative list, sektor aspects, including target market, negative list, business
usaha yang harus dihindari, serta maksimum portofolio sector to avoid, and maximum credit portfolio per business
kredit per sektor usaha; sector;
c. Memberikan masukan kepada Direksi dalam penyusunan c. Providing input to the Board of Directors in preparing the
kebijakan perkreditan Bank; dan Bank’s credit policy; and
d. Melakukan evaluasi berkala terhadap kualitas kredit Bank d. Periodically evaluating the Bank’s credit quality and
serta memberikan saran perbaikan dan penyempurnaan providing suggestions for improvements and refinements
proses kredit, baik secara rutin maupun insidental akibat to the credit process, both routinely and incidentally due
perubahan kondisi eksternal dan internal. to changes in external and internal conditions.
2. Tugas dan realisasi: 2. Duties and realizations:
a. Mengawasi penerapan memastikan kebijakan perkreditan a. Overseeing the implementation by ensuring that the
Bank dan standar operasional prosedur perkreditan agar Bank’s credit policies and credit standard operating
dijalankan secara konsisten oleh organisasi perkreditan procedures are carried out consistently by the Bank’s
Bank; credit organization;
b. Melakukan kajian terhadap kebijakan perkreditan Bank b. Reviewing the Bank’s credit policies and credit
dan standar operasional prosedur perkreditan jika standard operating procedures if obstacles are found in
ditemukan hambatan dalam implementasi berdasarkan implementation based on the monitoring and supervision
hasil pemantauan dan pengawasan Komite Kebijakan results by the Credit Policy Committee;
Perkreditan;
c. Memberikan usulan dan/atau saran perbaikan terhadap c. Providing proposals and/or suggestions for improvements
kebijakan perkreditan Bank dan standar operasional to the Bank’s credit policies and credit standard operating
prosedur perkreditan jika diperlukan perubahan atau procedures if changes or refinements are needed;
penyempurnaan;
d. Memantau dan mengevaluasi berbagai aspek perkreditan, d. Monitoring and evaluating various aspects of credit,
termasuk perkembangan dan kualitas portofolio kredit including the development and quality of the Bank’s
Bank, kebenaran kewenangan dalam memutus kredit credit portfolio, the correctness of authority in deciding
bank, strategi pengelolaan kredit, kepatuhan terhadap on bank credit, credit management strategies, compliance
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ketentuan BMPK dan regulasi lainnya, pencapaian target with LLL provisions and other regulations, achievement
market kredit serta pembiayaan sektor industri dengan of credit market targets and financing of industrial sector
mempertimbangkan tren pasar dan ekonomi, penyelesaian by considering market and economic trends, settlement
kredit bermasalah dan pembentukan Cadangan Kerugian of problematic credit and the formation of Allowance for
Penurunan Nilai (CKPN); dan Impairment Losses (CKPN); and
e. Menyampaikan laporan tertulis kepada Direksi terkait e. Submitting written report to the Board of Directors
perkembangan dan perbaikan kebijakan perkreditan regarding the development and improvement of the Bank’s
Bank dan standar operasional prosedur perkreditan yang credit policy and credit standard operating procedures
diusulkan oleh Komite Kebijakan Perkreditan. proposed by Credit Policy Committee.
Struktur dan Keanggotaan Structure and Composition of
Komite Kebijakan Perkreditan Credit Policy Committee
Susunan keanggotaan Komite Kebijakan Perkreditan sesuai Surat The composition of the Credit Policy Committee according to
Keputusan Direksi No. 021/SK-DIR/01/24 tanggal 24 Januari 2024, the Board of Directors’ Decision Letter No. 021/SK-DIR/01/24 dated
sebagai berikut: 24 January 2024, is as follows:
1. Ketua diisi oleh Direktur Utama; 1. Chairman held by President Director;
2. Wakil Ketua I merangkap Anggota diisi oleh Wakil Direktur 2. Vice Chairman I concurrently as Member held by Deputy
Utama; President Director;
3. Wakil Ketua II merangkap Anggota diisi oleh Direktur Bisnis; 3. Vice Chairman II concurrently as Member held by Business
Director;
4. Sekretaris merangkap Anggota diisi oleh Kepala Divisi Risk 4. Secretary concurrently as Member held by Head of Risk
Management/Integrated; Management/Integrated Division;
5. Anggota diisi oleh Direktur Keuangan, Direktur Kepatuhan dan 5. Members held by the Director of Finance, Director of
Manajemen Risiko, Senior EVP Bisnis, Senior EVP Operasional & Compliance and Risk Management, Senior EVP Business,
International Banking, Kepala Divisi SME, Kepala Divisi Commercial Senior EVP Operations & International Banking, Head of SME
Banking, Kepala Divisi Credit Risk Review, Kepala Divisi Loan & Division, Head of Commercial Banking Division, Head of Credit
Trade Operations, Kepala Divisi Special Asset Management, Risk Review Division, Head of Loan & Trade Operations Division,
Kepala Divisi Credit Legal, Kepala Divisi International Banking, Head of Special Asset Management Division, Head of Credit
Kepala Divisi International Banking, Wakil Kepala Divisi Credit Legal Division, Head of International Banking Division, Credit
Monitoring & Collection, dan Kepala Divisi Compliance, System Monitoring & Collection Vice Division Head, and Head of
Procedure & Customer Protection; Compliance, System Procedure & Customer Protection Division;
6. Undangan Tetap diisi oleh Kepala Divisi SKAI, Kepala Divisi 6. Permanent Invitation filled in by Head of SKAI Division, Head of
Corporate Legal, Kepala Divisi Treasury, dan Kepala Divisi Corporate Legal Division, Head of Treasury Division, and Head
Accounting; dan of Accounting Division; and
7. Undangan tidak tetap diisi oleh pihak internal dan eksternal 7. Non-Permanent Invitation filled in by invited internal and
yang diundang. external parties.
Rapat Komite Kebijakan Perkreditan Credit Policy Committee’s Meeting
Sesuai dengan Surat Keputusan Direksi No. 016B/SK-DIR/08/23 Pursuant to the Board of Directors’ Decision Letter
tanggal 16 Agustus 2023, Komite Kebijakan Perkreditan diwajibkan No. 016B/SK-DIR/08/23 dated 16 August 2023, the Credit Policy
untuk melaksanakan rapat secara berkala ataupun insidental. Committee is required to hold meetings on a regular basis or
Rapat dapat dilaksanakan apabila dihadiri oleh minimal 50% incidentally. Meetings can be held if attended by at least 50% of
dari Direksi dan 50% dari anggota non-Direksi. Komite Kebijakan the Board of Directors and 50% of non-Board of Directors members.
Perkreditan telah melaksanakan rapat sebanyak 6 (enam) kali The Credit Policy Committee held 6 (six) meetings in 2024 with an
di tahun 2024 dengan tingkat kehadiran 77,00%. attendance rate of 77.00%.
Komite Pengarah Teknologi Informasi Information Technology Steering Committee
Komite Pengarah Teknologi Informasi dibentuk untuk memastikan The Information Technology Steering Committee is established to
sistem teknologi informasi selaras dengan strategi Bank. Komite ensure that the information technology system is aligned with the
Pengarah Teknologi Informasi memberikan rekomendasi terkait Bank’s strategy. The Information Technology Steering Committee
pengelolaan teknologi dan manajemen sistem informasi, serta provides recomendation into technology management and
memantau kesiapan dan operasional infrastruktur teknologi untuk information system management, and monitors the readiness and
mendukung kinerja Bank secara optimal. operation of technology infrastructure to optimally support the
Bank’s performance.
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Tata Kelola Perusahaan
Good Corporate Governance
Pedoman Komite Pengarah Teknologi Informasi Information Technology Steering Committee
Charter
Dalam melaksanakan tugas dan tanggung jawabnya, Komite In performing its duties and responsibilities, the Information
Pengarah Teknologi Informasi mengacu pada Peraturan Otoritas Technology Steering Committee refers to Financial Services
Jasa Keuangan No. 11/POJK.03/2022 tanggal 6 Juli 2022 tentang Authority Regulation No. 11/POJK.03/2022 dated 6 July 2022 on
Penyelenggaraan Teknologi Informasi oleh Bank Umum. Information Technology Operations by Commercial Banks.
Pernyataan Independensi Komite Pengarah Statement of Independence of
Teknologi Informasi Information Technology Steering Committee
Seluruh anggota Komite Pengarah Teknologi Informasi senantiasa All members of Information Technology Steering Committee always
mengedepankan prinsip independensi dalam setiap pelaksanaan prioritize independence principle in every implementation of their
tugas dan tanggung jawabnya demi menjamin tidak terjadinya duties and responsibilities to ensure that there are no potential
hal-hal yang berpotensi menimbulkan benturan kepentingan dan conflicts of interest nor losses for the Bank.
kerugian bagi Bank.
Tugas dan Tanggung Jawab serta Duties, Responsibilities, and the Realization of
Realisasi Pelaksanaan Tugas Information Technology Steering Committee
Komite Pengarah Teknologi Informasi Duties
Tugas dan tanggung jawab serta realisasi pelaksanaan tugas dari Duties and responsibilities as well as realization of Information
Komite Pengarah Teknologi Informasi di tahun 2024 diuraikan Technology Steering Committee’s duties in 2024 were described as
sebagai berikut: follows:
1. Menyusun rencana strategis teknologi informasi yang selaras 1. Preparing information technology strategic plan in line with the
dengan rencana korporasi Bank; Bank’s corporate plan;
2. Merumuskan kebijakan, standar, dan prosedur teknologi 2. Formulating information technology policies, standards, and
informasi sesuai dengan Peraturan Otoritas Jasa Keuangan procedures in accordance with Financial Services Authority
No. 11/POJK.03/2022 tanggal 6 Juli 2022 tentang Regulation No. 11/POJK.03/2022 dated 6 July 2022 on
Penyelenggaraan Teknologi Informasi oleh Bank Umum; Information Technology Operations by Commercial Banks;
3. Memantau kesesuaian antara rencana pengembangan teknologi 3. Monitoring the conformity between information technology
informasi dengan rencana strategis teknologi informasi; development plan and information technology strategic plan;
4. Melakukan kesesuaian antara pelaksanaan pengembangan 4. Carrying out conformity between the implementation of
teknologi informasi dengan rencana yang telah ditetapkan; information technology development and the established plan;
5. Mengevaluasi efektivitas biaya teknologi informasi dalam 5. Evaluating the effectiveness of information technology costs in
kaitannya dengan pencapaian manfaat yang telah direncanakan; relation to achieving planned benefits;
6. Memantau kinerja teknologi informasi serta upaya peningkatan 6. Monitoring the performance of information technology and its
performanya; efforts to improve the performance;
7. Menyelesaikan permasalahan teknologi informasi yang tidak dapat 7. Resolving information technology problems unable to be
diselesaikan oleh satuan kerja pengguna dan penyelenggara, resolved by user and organizing work units, in an effective,
dengan cara yang efektif, efisien, dan tepat waktu; efficient, and timely manner;
8. Menilai kecukupan dan alokasi sumber daya teknologi informasi 8. Assessing the adequacy and allocation of information
yang dimiliki Bank; technology resources owned by the Bank;
9. Memastikan langkah-langkah mitigasi risiko atas investasi 9. Ensuring risk mitigation measures for information technology
teknologi informasi, agar investasi tersebut memberikan investments, so that these investments contribute to achieving
kontribusi terhadap pencapaian tujuan bisnis Bank; the Bank’s business objectives;
10. Memastikan kesesuaian pelaksanaan proyek teknologi informasi 10. Ensuring the conformity of information technology project
dengan rencana proyek yang disepakati (project charter) dalam implementation with the project charter agreed in the Service
Service Level Agreement (SLA); Level Agreement (SLA);
11. Memastikan kesesuaian pelaksanaan proyek teknologi informasi 11. Ensuring the conformity of information technology project
sesuai dengan kebutuhan sistem informasi manajemen serta implementation in line with the needs of management information
kebutuhan kegiatan usaha Bank; system and the needs of the Bank’s business activities;
12. Memastikan strategi dan rencana teknologi informasi telah 12. Ensuring that information technology strategies and plans have
memiliki serta didukung standar operasional prosedur yang and are supported by adequate standard operating procedures;
memadai; dan and
13. Memastikan penerapan standar operasional prosedur teknologi 13. Ensuring the implementation of standard operating procedures
informasi secara konsisten dan benar. for information technology in a consistent and correct manner.
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Struktur dan Keanggotaan Structure and Composition of
Komite Pengarah Teknologi Informasi Information Technology Steering Committee
Susunan keanggotaan Komite Pengarah Teknologi Informasi The composition of the Information Technology Steering
sesuai Surat Keputusan Direksi No. 022/SK-DIR/01/24 tanggal Committee according to the Board of Directors’ Decision Letter
24 Januari 2024, sebagai berikut: No. 022/SK-DIR/01/24 dated 24 January 2024, is as follows:
1. Ketua diisi oleh Direktur Utama; 1. Chairman held by President Director;
2. Wakil Ketua diisi oleh Wakil Direktur Utama; 2. Vice Chairman held by Deputy President Director;
3. Sekretaris diisi oleh Kepala Divisi Information Technology; 3. Secretary held by Head of Information Technology Division;
4. Anggota Tetap diisi oleh Direktur Keuangan; Direktur Bisnis; 4. Permanent Members held by Director of Finance; Director
Direktur Kepatuhan dan Manajemen Risiko; Senior Executive of Business; Director of Compliance and Risk Management;
Vice President of Change Management Office; Senior Executive Senior Executive Vice President of Change Management
Vice President of Business; Senior Executive Vice President of Office; Senior Executive Vice President of Business; Senior
Finance, Accounting & MIS; Senior Executive Vice President Executive Vice President of Finance, Accounting & MIS; Senior
of Operations & International Banking; Kepala Divisi Risk Executive Vice President of Operations & International Banking;
Management/Integrated; Kepala Divisi Change Management Head of Risk Management/Integrated Division; Head of Change
Office; dan Kepala Divisi HCM & General Affairs; dan Management Office Division; and Head of HCM & General
Affairs Division; and
5. Undangan Tetap diisi oleh Kepala Divisi SKAI, Wakil Kepala 5. Permanent Invitation filled in by Head of SKAI Division, General
Divisi General Affair, Kepala Divisi Accounting, dan Kepala Divisi Affairs Vice Division Head, Head of Accounting Division, and
Branch Banking Network. Head of Branch Banking Network.
Rapat Komite Pengarah Teknologi Informasi Information Technology Steering Committee’s
Meeting
Sesuai dengan dengan Surat Keputusan Direksi No. 022A/SK-DIR/01/24 Pursuant to the Board of Directors’ Decision Letter
tanggal 24 Januari 2024 tentang Pedoman dan Tata Tertib No. 022A/SK-DIR/01/24 dated 24 January 2024 on Guidelines and
Kerja Komite Pengarah Teknologi Informasi, Komite ini Procedures of Information Technology Steering Committee, this
menyelenggarakan rapat secara berkala minimal setiap 3 (tiga) Committee holds regular meetings at least once every 3 (three)
bulan sekali atau sesuai dengan kebutuhan Bank. Rapat dapat months or according to the needs of the Bank. Meetings can be
dilaksanakan jika dihadiri oleh minimal 2 (dua) anggota Direksi dan held if attended by at least 2 (two) members of Board of Directors
50% + 1 dari anggota. Sepanjang tahun 2024, Komite Pengarah and 50% + 1 of the members. Throughout 2024, the Information
Teknologi Informasi telah melaksanakan 4 (empat) kali rapat dengan Technology Steering Committee held 4 (four) meetings with an
tingkat kehadiran 95,00%. attendance rate of 95.00%.
Komite Pemantau dan Pelaksanaan GCG GCG Implementation and Monitoring
Committee
Komite Pemantau dan Pelaksanaan GCG bertugas mendukung The GCG Implementation and Monitoring Committee is in charge of
Direksi dalam menyusun, mengomunikasikan, dan mengawasi supporting the Board of Directors in preparing, communicating, and
penerapan GCG, etika, pengendalian internal, serta strategi supervising the implementation of GCG, ethics, internal control, and
Anti-Fraud. Komite Pemantau dan Pelaksanaan GCG juga Anti-Fraud strategies. The GCG Implementation and Monitoring
bertanggung jawab mengambil tindakan perbaikan untuk Committee is also responsible for taking corrective actions to
memastikan kepatuhan terhadap prinsip-prinsip tersebut. ensure its compliance with these principles.
Pedoman Komite Pemantau dan Pelaksanaan GCG GCG Implementation and Monitoring
Committee Charter
Dalam melaksanakan tugas dan tanggung jawabnya, Komite In performing its duties and responsibilities, the GCG
Pemantau dan Pelaksanaan GCG mengacu pada Surat Keputusan Implementation and Monitoring Committee refers to the Board
Direksi No. 017/SK-DIR/07/24 tanggal 31 Juli 2024 tentang Susunan of Directors’ Decision Letter No. 017/SK-DIR/07/24 dated
Anggota Komite Pemantau dan Pelaksanaan Good Corporate 31 July 2024 on the Composition of Good Corporate Governance
Governance (GCG). (GCG) Implementation and Monitoring Committee.
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Tata Kelola Perusahaan
Good Corporate Governance
Pernyataan Independensi Komite Pemantau dan Statement of Independence of GCG
Pelaksanaan GCG Implementation and Monitoring Committee
Seluruh anggota Komite Pemantau dan Pelaksanaan GCG All members of GCG Implementation and Monitoring Committee
senantiasa mengedepankan prinsip independensi dalam setiap always prioritize independence principle in every implementation of
pelaksanaan tugas dan tanggung jawabnya demi menjamin their duties and responsibilities to ensure that there are no potential
tidak terjadinya hal-hal yang berpotensi menimbulkan benturan conflicts of interest nor losses for the Bank.
kepentingan dan kerugian bagi Bank.
Tugas dan Tanggung Jawab serta Realisasi Duties, Responsibilities, and the Realization
Pelaksanaan Tugas Komite Pemantau dan of GCG Implementation and Monitoring
Pelaksanaan GCG Committee Duties
Tugas dan tanggung jawab serta realisasi pelaksanaan tugas dari Duties and responsibilities as well as realization of GCG
Komite Pemantau dan Pelaksanaan GCG di tahun 2024 diuraikan Implementation and Monitoring Committee’s duties in 2024 were
sebagai berikut: described as follows:
1. Memantau dan menganalisis setiap kebijakan terbaru maupun 1. Monitoring and analyzing any current policy and best practices
praktik terbaik terkait penerapan GCG; related to GCG implementation;
2. Melakukan pemutakhiran kebijakan internal (existing) terhadap 2. Updating the existing internal policies against any GCG policy
setiap perubahan kebijakan GCG; changes;
3. Memantau secara berkala terhadap rencana dan realisasi/ 3. Monitoring periodically on the Bank’s plans and business
pencapaian bisnis Bank melalui rapat-rapat Komite; realizations/achievements through Committee meetings;
4. Memantau action plan dan pelaksanaannya melalui rapat-rapat 4. Monitoring the action plan and its implementation through
Komite; Committee meetings;
5. Menentukan aspek dan PIC/petugas dalam penyusunan GCG 5. Determining aspects and person in charge/PIC in drafting GCG
sesuai dengan bidang yang tercermin dari aspek-aspek GCG; in accordance with the areas reflected in GCG aspects;
6. Mengoordinasikan pembuatan laporan pelaksanaan GCG yang 6. Coordinating the preparation of GCG implementation reports
dilengkapi dan didukung dengan underlying-nya; dan supplemented and supported by its underlying matters; and
7. Menyusun pelaporan pelaksanaan GCG Bank dan melakukan 7. Preparing the reporting of the Bank’s GCG implementation and
penilaian sendiri sesuai ketentuan berlaku, serta melaporkannya conducting self-assessment in accordance with the prevailing
kepada Direktur Utama dan Otoritas Jasa Keuangan. provisions, and report it to the President Director and Financial
Services Authority.
Struktur dan Keanggotaan Structure and Composition of GCG
Komite Pemantau dan Pelaksanaan GCG Implementation and Monitoring Committee
Susunan keanggotaan Komite Pemantau dan Pelaksanaan GCG The composition of the GCG Implementation and Monitoring
sesuai Surat Keputusan Direksi No. 017/SK-DIR/07/24 tanggal Committee according to the Board of Directors’ Decision Letter
31 Juli 2024, sebagai berikut: No. 017/SK-DIR/07/24 dated 31 July 2024, is as follows:
1. Ketua diisi oleh Direktur Kepatuhan dan Manajemen Risiko; 1. Chairman held by Director of Compliance and Risk Management;
2. Sekretaris diisi oleh Kepala Divisi Compliance, System Procedure 2. Secretary held by Head of Compliance, System Procedure
& Customer Protection; & Customer Protection Division;
3. Anggota Tetap diisi oleh Direksi, Senior Executive Vice 3. Permanent Members held by Board of Directors, Senior
President, Kepala Divisi SKAI, Kepala Divisi Risk Management/ Executive Vice President, Head of SKAI Division, Head of Risk
Integrated, dan Kepala Divisi Corporate Secretary; dan Management/Integrated Division, and Head of Corporate
Secretary Division; and
4. Undangan Tetap seluruh Kepala Divisi (berdasarkan undangan). 4. Permanent Invitation for all Division Heads (based on invitation).
Rapat Komite Pemantau dan Pelaksanaan GCG GCG Implementation and Monitoring
Committee’s Meeting
Sesuai dengan Surat Keputusan Direksi No. 017/SK-DIR/07/24 Pursuant to the Board of Directors’ Decision Letter
tanggal 31 Juli 2024, Komite Pemantau dan Pelaksanaan GCG No. 017/SK-DIR/07/24 dated 31 July 2024, the GCG Implementation
diwajibkan untuk melaksanakan rapat minimal 3 (tiga) kali dalam and Monitoring Committee is required to hold meetings at least
1 (satu) tahun. Komite Pemantau dan Pelaksanaan GCG telah 3 (three) times in 1 (one) year. GCG Implementation and
melaksanakan rapat sebanyak 3 (tiga) kali di tahun 2024 dengan Monitoring Committee held 3 (three) meetings in 2024 with an
tingkat kehadiran 100,00%. attendance rate of 100.00%.
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Komite Personalia Personnel Committee
Komite Personalia merupakan komite yang bertugas mendukung Personnel Committee is the committee that is in charge of
Direksi dalam merumuskan dan mengawasi kebijakan terkait supporting the Board of Directors in formulating and overseeing
ketenagakerjaan. Komite Personalia memantau perkembangan policies related to employment. The Personnel Committee monitors
sumber daya manusia, memastikan kepatuhan terhadap peraturan human capital development, ensures its compliance with banking
ketenagakerjaan perbankan, serta memberikan rekomendasi dan employment regulations, and provides recommendations and
saran perbaikan sesuai dengan Undang-Undang Ketenagakerjaan suggestions for improvement in line with the applicable Manpower
yang berlaku di Indonesia. Law in Indonesia.
Pedoman Komite Personalia Personnel Committee Charter
Dalam melaksanakan tugas dan tanggung jawabnya, Komite In performing its duties and responsibilities, the Personnel
Personalia mengacu pada Undang-Undang No. 11 Tahun 2020 Committee refers to Law No. 11 of 2020 on Manpower.
tentang Ketenagakerjaan.
Pernyataan Independensi Komite Personalia Statement of Independence of
Personnel Committee
Seluruh anggota Komite Personalia senantiasa mengedepankan All members of Personnel Committee always prioritize independence
prinsip independensi dalam setiap pelaksanaan tugas dan tanggung principle in every implementation of their duties and responsibilities
jawabnya demi menjamin tidak terjadinya hal-hal yang berpotensi to ensure that there are no potential conflicts of interest nor losses
menimbulkan benturan kepentingan dan kerugian bagi Bank. for the Bank.
Tugas dan Tanggung Jawab serta Realisasi Duties, Responsibilities, and the Realization of
Pelaksanaan Tugas Komite Personalia Personnel Committee Duties
Tugas dan tanggung jawab serta realisasi pelaksanaan tugas dari Duties and responsibilities as well as realization of Personnel
Komite Personalia di tahun 2024 diuraikan sebagai berikut: Committee’s duties in 2024 were described as follows:
1. Memberikan masukkan kepada Direksi dalam merumuskan 1. Providing inputs to Board of Directors in formulating
kebijakan ketenagakerjaan; employment policies;
2. Mengawasi kebijakan yang berhubungan dengan karyawan 2. Overseeing employee-related policies to be consistently and
agar dilaksanakan secara konsekuen dan konsisten; consequently implemented;
3. Melakukan kajian terhadap kebijakan ketenagakerjaan Bank 3. Reviewing Bank’s manpower policies and advising the Board
dan memberikan saran kepada Direksi apabila diperlukan of Directors if changes to the Bank’s manpower policy are
perubahan kebijakan ketenagakerjaan Bank; necessary;
4. Memantau dan mengevaluasi efektivitas setiap karyawan; dan 4. Monitoring and evaluating the effectiveness of each employee;
and
5. Memberikan masukan dan solusi untuk hambatan dan masalah 5. Providing inputs and solutions for the obstacles and problems
yang terjadi terkait dengan ketenagakerjaan Bank. that occur related to the Bank’s employment.
Struktur dan Keanggotaan Komite Personalia Structure and Composition of
Personnel Committee
Susunan keanggotaan Komite Personalia sesuai Surat Keputusan The composition of the Personnel Committee according to the
Direktur No. 013/SK-DIR/12/24 tanggal 23 Desember 2024, sebagai Board of Directors’ Decision Letter No. 013/SK-DIR/12/24 dated
berikut: 23 December 2024, is as follows:
1. Ketua diisi oleh Wakil Direktur Utama; 1. Chairman held by Deputy President Director;
2. Wakil Ketua diisi oleh Direktur Utama; 2. Vice Chairman held by President Director;
3. Sekretaris diisi oleh Kepala Divisi Human Capital Management; 3. Secretary held by Head of Human Capital Management Division;
4. Sekretariat diisi oleh Divisi Human Capital Management; dan 4. Secretariat held by Human Capital Management Division; and
5. Anggota diisi oleh Direksi (sesuai undangan). 5. Members held by Board of Directors (according to invitation).
Rapat Komite Personalia Personnel Committe’s Meeting
Sesuai dengan Surat Keputusan Direktur No. 013/SK-DIR/12/24 In accordance with the Board of Directors’ Decision Letter
tanggal 23 Desember 2024, Komite Personalia diwajibkan untuk No. 013/SK-DIR/12/24 dated 23 December 2024, the Personnel
melaksanakan rapat minimal 3 (tiga) kali dalam setahun. Rapat dapat Committee is required to hold at least 3 (three) meetings a year.
dilaksanakan apabila dihadiri oleh minimal 51% dari anggota tetap. A meeting can be held if attended by at least 51% of the permanent
Komite Personalia telah melaksanakan rapat sebanyak 9 (sembilan) members. The Personnel Committee held 9 (nine) meetings in 2024
kali di tahun 2024 dengan tingkat kehadiran 100,00%. with an attendance rate of 100.00%.
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Tata Kelola Perusahaan
Good Corporate Governance
Komite Pengadaan Procurement Committee
Komite Pengadaan adalah komite yang bertugas mendukung Direksi Procurement Committee is the committee that is in charge of
dalam mengawasi dan memastikan bahwa proses pengadaan barang supporting the Board of Directors in overseeing and ensuring
dan jasa dilakukan secara transparan, efisien, dan sesuai dengan that goods and services procurement process is carried out
peraturan yang berlaku. Komite Pengadaan bertanggung jawab transparently, efficiently, and in accordance with the applicable
untuk meninjau kebijakan pengadaan, memantau pelaksanaannya, regulations. The Procurement Committee is responsible for
serta memastikan bahwa setiap keputusan pengadaan mendukung reviewing procurement policy, monitoring its implementation, and
kepentingan strategis dan operasional Bank secara optimal. ensuring that every procurement decision optimally supports the
Bank’s strategic and operational interests.
Pedoman Komite Pengadaan Procurement Committee Charter
Dalam melaksanakan tugas dan tanggung jawabnya, In performing its duties and responsibilities, the Procurement
Komite Pengadaan mengacu pada Surat Keputusan Direksi Committee refers to the Board of Directors’ Decision Letter
No. 010A/SK-DIR/01/23 tanggal 10 Januari 2023 tentang Komite No. 010A/SK-DIR/01/23 dated 10 January 2023 on Procurement
Pengadaan PT Bank Victoria International Tbk. Committee of PT Bank Victoria International Tbk.
Pernyataan Independensi Komite Pengadaan Statement of Independence of
Procurement Committee
Seluruh anggota Komite Pengadaan senantiasa mengedepankan All members of Procurement Committee always prioritize
prinsip independensi dalam setiap pelaksanaan tugas dan tanggung independence principle in every implementation of their duties and
jawabnya demi menjamin tidak terjadinya hal-hal yang berpotensi responsibilities to ensure that there are no potential conflicts of
menimbulkan benturan kepentingan dan kerugian bagi Bank. interest nor losses for the Bank.
Tugas dan Tanggung Jawab Komite Pengadaan Duties and Responsibilities of
Procurement Committee
Tugas dan tanggung jawab serta realisasi pelaksanaan tugas dari Duties and responsibilities as well as realization of Procurement
Komite Pengadaan di tahun 2024 diuraikan sebagai berikut: Committee’s duties in 2024 were described as follows:
1. Meminta informasi untuk hal-hal yang diperlukan terkait 1. Asking for information on necessary matters related to the
pengadaan barang dan jasa dari berbagai pihak, baik internal procurement of goods and services from various parties, both
maupun eksternal; internal and external;
2. Memberikan persetujuan terhadap pengajuan pengadaan 2. Providing approval on the procurement of goods and services;
barang dan jasa;
3. Mengajukan persetujuan kepada Dewan Komisaris terhadap 3. Applying for approval to the Board of Commissioners on
pengadaan barang dan jasa dengan nilai/harga minimum procurement of goods and services with minimum value/price
sesuai yang diatur pada Anggaran Dasar Bank; dan as regulated in the Company’s Articles of Association; and
4. Memberikan masukan kepada Direksi terkait hal-hal penting dan 4. Providing inputs to the Board of Directors regarding important
relevan dalam perumusan kebijakan pengadaan barang dan jasa. and relevant matters in the formulation of procurement policies
of goods and services.
Struktur dan Keanggotaan Komite Pengadaan Structure and Composition of
Procurement Committee
Susunan keanggotaan Komite Pengadaan sesuai Surat Keputusan The composition of the Procurement Committee according to
No. 010A/SK-DIR/01/23 tanggal 10 Januari 2023, sebagai berikut: the Decision Letter No. 010A/SK-DIR/01/23 dated 10 January 2023,
is as follows:
1. Ketua diisi oleh Direktur Utama; 1. Chairman held by President Director;
2. Wakil Ketua diisi oleh Wakil Direktur Utama; 2. Vice Chairman held by Deputy President Director;
3. Sekretaris diisi oleh HCM & General Affairs Division Head, 3. Secretary held by Head of HCM & General Affairs Division and
dan General Affairs Vice Division Head; General Affairs Vice Division Head;
4. Anggota Tetap diisi oleh Direktur; dan 4. Permanent Member held by Director; and
5. Anggota Tidak Tetap diisi oleh Senior EVP, Division Head, 5. Non-Permanent Members held by EVP Senior, Division Head,
dan Vice Division Head. and Vice Division Head.
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Rapat Komite Pengadaan Procurement Committee’s Meeting
Sesuai dengan Surat Keputusan Direksi No. 010A/SK-DIR/01/23 Pursuant to the Board of Directors’ Decision Letter
tanggal 10 Januari 2023, Komite Pengadaan diwajibkan untuk No. 010A/SK-DIR/01/23 dated 10 January 2023, the Procurement
melaksanakan rapat minimal 3 (tiga) kali dalam setahun. Rapat dapat Committee is required to hold at least 3 (three) meetings a year.
dilaksanakan apabila dihadiri oleh minimal 51% dari anggota tetap. A meeting can be held if attended by at least 51% of the permanent
members.
Komite Pengadaan telah melaksanakan rapat sebanyak 12 (dua belas) The Procurement Committee held 12 (twelve) meetings in 2024 with
kali di tahun 2024 dengan tingkat kehadiran 100,00%. an attendance rate of 100.00%.
Komite Produk Product Committee
Komite Produk mendukung Direksi dalam merumuskan kebijakan The Product Committee supports the Board of Directors in
pengelolaan produk liabilities dan wealth management agar formulating policies for managing liabilities and wealth management
kompetitif dan menguntungkan. Komite Produk memperhatikan products to be competitive and profitable. The Product Committee
kepentingan nasabah dan Bank, serta menerapkan prinsip pays attention to the interests of the Bank and its customers, and
kehati-hatian dan manajemen risiko. applies prudential principles and risk management.
Pedoman Komite Produk Product Committee Charter
Dalam melaksanakan tugas dan tanggung jawabnya, Komite Produk In performing its duties and responsibilities, the Product Committee
mengacu pada Surat Keputusan Direksi No. 008/SK-DIR/08/24 refers to the Board of Directors’ Decision Letter No. 008/SK-DIR/08/24
tanggal 15 Agustus 2024 tentang Komite Produk PT Bank Victoria dated 15 August 2024 on Product Committee of PT Bank Victoria
International Tbk. International Tbk.
Pernyataan Independensi Komite Produk Statement of Independence of Product Committee
Seluruh anggota Komite Produk senantiasa mengedepankan prinsip All members of Product Committee always prioritize independence
independensi dalam setiap pelaksanaan tugas dan tanggung principle in every implementation of their duties and responsibilities
jawabnya demi menjamin tidak terjadinya hal-hal yang berpotensi to ensure that there are no potential conflicts of interest nor losses
menimbulkan benturan kepentingan dan kerugian bagi Bank. for the Bank.
Tugas dan Tanggung Jawab serta Realisasi Duties, Responsibilities, and the Realization of
Pelaksanaan Tugas Komite Produk Product Committee Duties
Tugas dan tanggung jawab serta realisasi pelaksanaan tugas dari Duties and responsibilities as well as realization of Product
Komite Produk di tahun 2024 diuraikan sebagai berikut: Committee’s duties in 2024 were described as follows:
1. Memberikan masukan, pertimbangan, dan rekomendasi 1. Providing input, considerations, and recommendations to
kepada Direksi terkait pengelolaan produk asset and liabilities, the Board of Directors regarding management of asset and
termasuk rencana penerbitan, pengembangan, modifikasi, dan liabilities products, including the plan of launching, developing,
analisis produk yang sudah ada; modifying, and analyzing the existing products;
2. Mengawasi penerapan kebijakan produk secara konsisten dan 2. Monitoring the implementation of product policy consistently
bertanggung jawab serta menemukan solusi untuk mengatasi and responsibly and seeking solutions to overcome obstacles
hambatan atau kendala yang muncul; dan or constraints that arise; and
3. Memantau dan mengevaluasi risiko potensial terhadap 3. Monitoring and evaluating potential risks to product sales
perkembangan penjualan produk, poin-poin pengawasan developments, product policy monitoring points, product
kebijakan produk, strategi kebijakan produk, dan portofolio policy strategies, and product portfolio. In addition, providing
produk. Selain itu, memberikan masukan dan saran kepada Direksi input and advice to the Board of Directors to determine the
untuk menentukan langkah-langkah perbaikan yang diperlukan. necessary improvements.
Struktur dan Keanggotaan Komite Produk Structure and Composition of Product Committee
Susunan keanggotaan Komite Produk sesuai Surat Keputusan The composition of the Product Committee according to the Board
Direksi No. 009/SK-DIR/08/24 tanggal 15 Agustus 2024 tentang of Directors’ Decision Letter No. 009/SK-DIR/08/24 dated 15 August
Komite Produk PT Bank Victoria International Tbk, sebagai berikut: 2024 on Product Committee of PT Bank Victoria International Tbk,
is as follows:
1. Ketua diisi oleh Direktur Utama; 1. Chairman held by President Director;
2. Wakil Ketua diisi oleh Wakil Direktur Utama; 2. Vice Chairman held by Deputy President Director;
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Tata Kelola Perusahaan
Good Corporate Governance
3. Sekretaris diisi oleh Marketing Communication dan Brand and 3. Secretary held by Marketing Communication and Brand and
Product Division Head; dan Product Division Head; and
4. Anggota diisi oleh Direktur Bisnis; Direktur Keuangan; Senior 4. Members held by Director of Business; Director of Finance;
Executive Vice President Change Management Office; Senior Senior Executive Vice President Change Management Office;
Executive Vice President of Business; Senior Executive Vice Senior Executive Vice President of Business; Senior Executive
President of Operations & lnternational Banking; Senior Vice President of Operations & International Banking; Senior
Executive Vice President of Finance, Accounting & Strategic Executive Vice President of Finance, Accounting & Strategic
Performance Management; Kepala Divisi lnformation Performance Management; Head of Information Technology
Technology; Kepala Divisi Operations & lnternal Control; Kepala Division; Head of Operations & Internal Control Division; Head
Divisi Compliance, System Procedure & Customer Protection; of Compliance, System Procedure & Customer Protection
Kepala Divisi Accounting; Kepala Divisi Treasury; Kepala Divisi Division; Head of Accounting Division; Head of Treasury Division;
Risk Management/lntegrated; Kepala Divisi Branch Banking Head of Risk Management/Integrated Division; Head of Branch
Network; Kepala Divisi Change Management Office; E-Channel Banking Network; Head of Change Management Office Division;
and Digital Transformation Department Head; dan Commercial E-Channel and Digital Transformation Department Head; and
Banking Department Head. Commercial Banking Department Head.
Rapat Komite Produk Product Committee’s Meeting
Sesuai dengan Surat Keputusan Direksi No. 008/SK-DIR/08/24, Pursuant to the Board of Directors’ Decision Letter
Komite Produk diwajibkan untuk melaksanakan rapat minimal 3 (tiga) No. 008/SK-DIR/08/24, the Product Committee is required to hold
kali dalam setahun ataupun insidental. Rapat dapat dilaksanakan at least 3 (three) meetings in a year or incidentally. A meeting can
apabila dihadiri oleh minimal 50% + 1 dari anggota tetap. Komite be held if attended by at least 50% + 1 of the permanent members.
Produk telah melaksanakan rapat sebanyak 4 (empat) kali di tahun The Product Committee held 4 (four) meetings in 2024 with an
2024 dengan tingkat kehadiran 100,00%. attendance rate of 100.00%.
Organ Pendukung Direksi
Board of Directors’ Supporting Organ
Corporate Secretary Corporate Secretary
Corporate Secretary memiliki peranan penting dalam memastikan Corporate Secretary has an important role in ensuring smooth
kelancaran komunikasi yang baik, antara Bank dengan para and good communication between the Bank and its stakeholders,
pemangku kepentingan, serta memastikan terselenggaranya as well as ensuring the submission of information in a timely and
penyampaian informasi secara tepat waktu dan akurat kepada accurate manner to all stakeholders.
seluruh pemangku kepentingan.
Pedoman Corporate Secretary Corporate Secretary Charter
Pedoman kerja Corporate Secretary mengacu pada pedoman The Corporate Secretary’s work guideline refers to the Corporate
Corporate Secretary yang telah disesuaikan dengan: Secretary charter adjusted to:
1. Peraturan Otoritas Jasa Keuangan No. 35/POJK.04/2014 1. Financial Services Authority Regulation No. 35/POJK.04/2014
tanggal 8 Desember 2014 tentang Sekretaris Perusahaan dated 8 December 2014 on Corporate Secretary of Issuers or
Emiten atau Perusahaan Publik; Public Companies;
2. Standar Operasional Prosedur Corporate Secretary Surat 2. Standard Operating Procedures of Corporate Secretary based
Keputusan Direksi No. 005/SK-DIR/09/24 tanggal 17 September on the Board of Directors’ Decision Letter No. 005/SK-DIR/09/24
2024; dan dated 17 September 2024; and
3. Standar Operasional Prosedur Rapat Umum Pemegang Saham 3. Standard Operating Procedures of General Meeting of
berdasarkan Keputusan Direksi No. 004/SK-DIR/08/24 tanggal Shareholders based on the Board of Directors’ Decision Letter
13 Agustus 2024. No. 004/SK-DIR/08/24 dated 13 August 2024.
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Tugas dan Tanggung Jawab serta Realisasi Duties, Responsibilities, and the Realization of
Pelaksanaan Tugas Corporate Secretary Corporate Secretary Duties
Tugas dan tanggung jawab serta realisasi pelaksanaan tugas dari Duties and responsibilities as well as realization of Corporate
Corporate Secretary di tahun 2024 diuraikan sebagai berikut: Secretary’s duties in 2024 were described as follows:
1. Mengikuti perkembangan pasar modal, khususnya 1. To follow the capital market development, especially regulations
peraturan-peraturan yang berlaku di bidang pasar modal; applicable in capital market sector;
2. Memberikan pelayanan kepada masyarakat atas setiap informasi 2. To provide services to the public for any information required
yang dibutuhkan pemodal berkaitan dengan kondisi Bank; by the investors in relation to the Bank’s condition;
3. Memberikan masukan kepada Direksi Bank untuk mematuhi 3. To provide input to the Bank’s Board of Directors to comply with
ketentuan Undang-Undang No. 8 Tahun 1995 tentang Pasar the provisions of Law No. 8 of 1995 on Capital Market and its
Modal dan peraturan pelaksanaannya; dan implementing regulations; and
4. Sebagai penghubung atau contact person antara Bank dengan 4. To be the liaison or contact person between the Bank and
Otoritas Jasa Keuangan serta masyarakat. Financial Services Authority and public.
Profil Kepala Divisi Corporate Secretary
Profile of Head of Corporate Secretary Division
CAPRIE ARDIRA AZHAR
Kepala Divisi Corporate Secretary
Head of Corporate Secretary Division
Kewarganegaraan / Nationality Tempat Lahir / Place of Birth Usia / Age Domisili / Domicile
Indonesia / Indonesian Jakarta 37 tahun / years old Jakarta
Dasar Pengangkatan dan Periode Menjabat Basis of Appointment and Term of Office
Keputusan Direksi No. 012/SK-DIR/HCM/01/21 tanggal 11 Januari 2021. Board of Directors’ Decision No. 012/SK-DIR/HCM/01/21 dated 11 January 2021.
Riwayat Pendidikan Education
Sarjana Hukum dari Universitas Padjadjaran (2012). Bachelor of Law from Padjadjaran University (2012).
Rangkap Jabatan Concurrent Positions
Di dalam Bank Victoria: In Bank Victoria:
Tidak ada. None.
Di luar Bank Victoria: Outside of Bank Victoria:
Tidak ada. None.
Riwayat Jabatan History of Positions
• Associate Lawyer Makes & Partners Lawfirm (2012-2014); • Associate Lawyer of Makes & Partners Lawfirm (2012-2014);
• Legal & Corporate Secretary PT Victoria Investama Tbk (2014-2018); • Legal & Corporate Secretary of PT Victoria Investama Tbk (2014-2018);
• Head Legal and Compliance PT Sucor Sekuritas (2018-2019); dan • Head of Legal and Compliance of PT Sucor Sekuritas (2018-2019); and
• Unit Head Corporate Secretary Bank Victoria (2019-2021). • Corporate Secretary Unit Head of Bank Victoria (2019-2021).
Sertifikasi Certification
Sertifikasi Manajemen Risiko Jenjang 5 dari Lembaga Sertifikasi Profesi Certification of Risk Management Level 5 from Banking Profession
Perbankan (2024-2027). Certification Institute (2024-2027).
Hubungan Afiliasi Affiliation Relationship
Tidak memiliki hubungan afiliasi dengan anggota Dewan Komisaris, anggota Does not have any affiliation with members of Board of Commissioners,
Direksi, serta Pemegang Saham Utama dan Pengendali. members of Board of Directors, and Main and Controlling Shareholders.
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Pelatihan dan/atau Peningkatan Corporate Secretary’s Training
Corporate Secretary and/or Development Programs
Sepanjang tahun 2024, Corporate Secretary telah mengikuti pelatihan Throughout 2024, the Corporate Secretary attended trainings
dan/atau program peningkatan kompetensi, baik yang diselenggarakan and/or competency development programs, both organized
secara internal maupun eksternal dengan materi sebagai berikut: internally and externally, with the following materials:
Tanggal Materi Pengembangan Kompetensi Penyelenggara
Date Competency Development Material Organizer
31 Januari 2024 Innovate, Invest, Inspire: Strategic Planning for Listed Companies in 2024’s
Indonesian Corporate Secretary Association
31 January 2024 Stock Market
20 Januari 2024 Dealing with Volatility, Uncertainty, Complexity, and Ambiguity (VUCA) Challenges:
Bank Victoria
20 January 2024 Contextual Leadership Journey
3 Februari 2024 Refreshment Unit Kompetensi Manajemen Risiko Jenjang 5
PT Efektifpro Knowledge Source
3 February 2024 Refreshment of Risk Management Competency Unit Level 5
3 Maret 2024 Corporate Culture dan Service
Bank Victoria
3 March 2024 Corporate Culture and Service
Pembekalan: Pendampingan dan Mekanisme Pelaksanaan Resertifikasi Manajemen
6 Maret 2024 Risiko Jenjang 5
Bank Victoria
6 March 2024 Briefing: Mentoring and Mechanism for Implementing Recertification of Risk
Management Level 5
22 Maret 2024 Sharing Session “Menjalin Silaturahmi dalam Kebersamaan”
Bank Victoria
22 March 2024 Sharing Session “Establishing Relationships in Togetherness”
26 Maret 2024 Resertifikasi Manajemen Risiko Jenjang 5 Lembaga Sertifikasi Profesi Perbankan
26 March 2024 Recertification of Risk Management Level 5 Banking Profession Certification Institute
Refreshment Manajemen Risiko Jenjang 1-4 Badan Sertifikasi Manajemen Risiko
27 Mei 2024
Refreshment of Risk Management Level 1-4 Risk Management Certification PT Efektifpro Knowledge Source
27 May 2024
Institution
5-12 Juli 2024 Training Sosialisasi Office 365
Bank Victoria
5-12 July 2024 Office 365 Dissemination Training
9 Agustus 2024 Sharing Session Market Update and Economic Outlook
Bank Victoria
9 August 2024 Sharing Session on Market Update and Economic Outlook
Strategic Finance for Sustainability: The Role of Corporate Secretary as Board of
Directors Business Partner to Boost Sustainability Awareness
24 September 2024 Indonesian Corporate Secretary Association
Strategic Finance for Sustainability: The Role of Corporate Secretary as Board of
Directors’ Business Partner to Boost Sustainability Awareness
12 Oktober 2024 Training Perlindungan Konsumen dan Perlindungan Data Pribadi
Bank Victoria
12 October 2024 Training on Consumer Protection and Personal Data Protection
Pengenalan International Financial Reporting Standards: Sustainability Disclosure
Standards S1 dan S2
4 November 2024 Indonesian Corporate Secretary Association
Introduction to International Financial Reporting Standards: Sustainability
Disclosure Standards S1 and S2
Training Penerapan Strategi Anti-Fraud
12 November 2024 Victoria institute
Training on Implementing Anti-Fraud Strategies
Refreshment Tipologi Tindak Pidana Pencucian Uang/Tindak Pidana Pendanaan
Terorisme/Pencegahan dan Pemberantasan Pendanaan Senjata Pemusnah Massal
melalui Kredit dan Treasury
23 November 2024 Andara Sarana
Refreshment on Typology of Money Laundering Crimes/Terrorist Financing Crimes/
Prevention and Eradication of Weapons of Mass Destruction Financing through
Credit and Treasury
Pendalaman Peraturan Otoritas Jasa Keuangan No. 15/POJK.04/2022 tentang
Pemecahan Saham dan Penggabungan Saham oleh Perusahaan Terbuka
29 November 2024 Indonesian Corporate Secretary Association
Intensification of Financial Services Regulation No. 15/POJK.04/2022 on Stock Split
and Merger by Public Companies
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Tanggal Materi Pengembangan Kompetensi Penyelenggara
Date Competency Development Material Organizer
Forum Komunikasi Direktur Kepatuhan Perbankan
11 Desember 2024 Prospek Ekonomi Tahun 2025: Mencapai Indonesia Emas 2045
11 December 2024 Economic Prospects for 2025: Achieving Golden Indonesia 2045 Communication Forum for Director of Banking
Compliance
13 Desember 2024 Seminar Sinergi Emiten dalam Membangun Pertumbuhan Ekonomi Berkelanjutan Asosiasi Emiten Indonesia
13 December 2024 Seminar on Issuer Synergy in Establishing Sustainable Economic Growth Indonesian Public Listed Companies Association
Satuan Kerja Audit Internal Internal Audit Work Unit
Satuan Kerja Audit Internal (SKAI) merupakan fungsi independen Internal Audit Work Unit (SKAI) is an independent function directly
yang bertanggung jawab langsung kepada Direktur Utama. Fungsi responsible to the President Director. This function supports the
ini mendukung manajemen dengan memberikan assurance dan management by providing assurance and consultation to increase
konsultasi untuk meningkatkan nilai, efektivitas manajemen risiko, value, effectiveness of risk management, control, and governance
pengendalian, dan tata kelola Bank. of the Bank.
Pedoman SKAI SKAI Charter
Pelaksanaan tugas dan tanggung jawab SKAI mengacu pada Piagam The implementation of duties and responsibilities of SKAI refers to
Audit Internal, Sistem, Prosedur, dan Teknik Pemeriksaan Internal. the Internal Audit Charter, Internal Audit Audit System, Procedure,
and Technique.
Tugas dan Tanggung Jawab SKAI Duties and Responsibilities of the SKAI
SKAI memiliki tugas dan tanggung jawab sebagai berikut: The SKAI has duties and responsibilities as follows:
1. Membantu tugas Direktur Utama dan Dewan Komisaris 1. Assisting the President Director and Board of Commissioners
dalam melakukan pengawasan dengan cara menjabarkan in monitoring by detailing the operations of planning,
secara operasional baik perencanaan, pelaksanaan, maupun implementation, or monitoring of the audit result;
pemantauan hasil audit;
2. Menyusun dan melaksanakan perencanaan audit tahunan, 2. Preparing and conducting the annual audit planning, among
antara lain analisis dan penilaian di bidang keuangan, akuntansi, others, the analysis and assessment in the fields of finance,
operasional, perkreditan, dan kegiatan lain; accounting, operations, credit, and other activities;
3. Mengidentifikasi segala kemungkinan untuk memperbaiki dan 3. Identifying all possibilities to improve and enhance the efficient
meningkatkan efisiensi penggunaan sumber daya dan dana; use of resources and funds;
4. Memberikan saran perbaikan dan informasi yang objektif tentang 4. Providing advice for improvement and objective information on
kegiatan yang diperiksa pada semua tingkatan manajemen; activities audited at all management levels;
5. Memantau, menganalisis, dan melaporkan pelaksanaan tindak 5. Monitoring, analyzing, and reporting the follow-up actions of
lanjut perbaikan yang telah disarankan; the suggested corrective actions;
6. Memberikan penilaian tingkat keyakinan kualitas pelaksanaan 6. Assessing the confidence level of quality of duty implementation
tugas atas proses manajemen risiko, sistem pengendalian internal of the risk management process, internal control system, and
dan tata kelola usaha telah dilaksanakan secara cukup dan efektif business governance that has been implemented sufficiently
di seluruh Unit Kerja Bank Victoria; and effectively in all Work Units of Bank Victoria;
7. Membuat laporan hasil audit dan menyampaikan laporan 7. Preparing the audit result report and submitting the report to
tersebut kepada Direktur Utama dan Dewan Komisaris; the President Director and the Board of Commissioners;
8. Bekerja sama dengan Komite Audit dalam melakukan 8. Cooperating with the Audit Committee in supervising and
pengawasan dan memonitor pelaksanaan tindak lanjut perbaikan monitoring the implementation of follow-up for improvements
atas temuan SKAI; dan to SKAI findings; and
9. Memberikan saran perbaikan dan informasi yang objektif tentang 9. Providing recommendations for improvement and objective
kegiatan yang diperiksa pada semua tingkatan manajemen. information on activities audited at all management levels.
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Tata Kelola Perusahaan
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Kedudukan dan Struktur SKAI Position and Structure of SKAI
SKAI berada langsung di bawah Direktur Utama dan beroperasi The SKAI is directly under the President Director and operates
secara independen. Divisi ini memiliki jalur komunikasi langsung independently. This division has a direct communication line
dengan Komite Audit dan Dewan Komisaris serta akses penuh with the Audit Committee and the Board of Commissioners, and
terhadap seluruh aktivitas Bank. Sebagai mitra manajemen dalam has full access to all activities at the Bank. As a management
penerapan GCG, Kepala SKAI diangkat dan diberhentikan oleh partner in implementing GCG, the Head of SKAI is appointed and
Direktur Utama dengan persetujuan Dewan Komisaris, dan setiap dismissed by the President Director, with approval from the Board
perubahan tersebut dilaporkan kepada regulator. of Commissioners, and with any changes reported to the regulator.
Profil Kepala Divisi SKAI
Profile of Head of SKAI Division
DJOKO SOENDJOJO
Kepala Divisi SKAI
Head of SKAI Division
Kewarganegaraan / Nationality Tempat Lahir / Place of Birth Usia / Age Domisili / Domicile
Indonesia / Indonesian Surabaya 56 tahun / years old Jakarta
Dasar Pengangkatan dan Periode Menjabat Basis of Appointment and Term of Office
Keputusan Direksi No. 003/SK-DIR/HCM/01/19 tanggal 2 Januari 2019 juncto Board of Directors’ Decision Letter No. 003/SK-DIR/HCM/01/19 dated 2 January
Keputusan Direksi No. 017/SK-DIR/HCM/11/21 tanggal 22 November 2021 2019 juncto Board of Directors’ Decision Letter No. 017/SK-DIR/HCM/11/21
juncto Keputusan Direksi No. 001/SK-DIR/HCM/10/24 tanggal 1 Oktober 2024. dated 22 November 2021 juncto Board of Directors’ Decision Letter
No. 001/SK-DIR/HCM/10/24 dated 1 October 2024.
Riwayat Pendidikan Education
Sarjana Ekonomi dari STIE Malangkucecwara Malang (1993). Bachelor of Economics from STIE Malangkucecwara, Malang (1993).
Rangkap Jabatan Concurrent Positions
Di dalam Bank Victoria: In Bank Victoria:
Tidak ada. None.
Di luar Bank Victoria: Outside of Bank Victoria:
Tidak ada. None.
Riwayat Jabatan History of Positions
• Staff Senior Akuntansi dan Keuangan PT Bank Andromeda Kantor Pusat • Senior Accounting and Finance Staff of PT Bank Andromeda, Jakarta
Jakarta (1995–1997); Head Office (1995–1997);
• Staff Senior Akuntansi dan Keuangan PT Bank Alfa BBKU Kantor Pusat • Senior Accounting and Finance Staff of PT Bank Alfa BBKU, Jakarta
Jakarta (1997–1999); Head Office (1997-1999);
• Staff Administrasi BBO-BBKU BBPN/IBRA Kantor Pusat Jakarta (2000–2004); • Administration Staff of BBO-BBKU BBPN/IBRA, Jakarta Head Office
(2000–2004);
• Staff Senior Keuangan & Custody Tim Likuidasi PT Bank Prasidha Utama • Senior Staff of Finance & Custody of Liquidation Team of PT Bank Prasidha
Kantor Pusat Jakarta (2004); Utama, Jakarta Head Office (2004);
• Kepala Seksi Manajemen Risiko Bank Victoria (2005); • Head of Risk Management Section of Bank Victoria (2005);
• Kepala Seksi Financial Control Bank Victoria (2005–2006); • Head of Financial Control Section of Bank Victoria (2005-2006);
• Kepala Satuan Kerja Audit Interen (SKAI) Bank Victoria (2006); dan • Head of Internal Audit Unit (IAU) of Bank Victoria (2006); and
• Kepala Divisi Administrasi Pengkreditan Bank Victoria (2015-2018). • Head of Credit Administration Division of Bank Victoria (2015-2018).
Sertifikasi Certification
• Sertifikasi Audit Intern Level Supervisor dari Lembaga Sertifikasi Profesi • Supervisor Level of Internal Audit Certification from the Banking Profession
Perbankan (2022-2026); dan Certification Institute (2022-2026); and
• Sertifikasi Manajemen Risiko Jenjang 6 dari Lembaga Sertifikasi Profesi • Certification of Risk Management Level 6 from Banking Profession
Perbankan (2024-2027). Certification Institute (2024-2027).
Hubungan Afiliasi Affiliation Relationship
Tidak memiliki hubungan afiliasi dengan anggota Dewan Komisaris, anggota Does not have any affiliation with members of Board of Commissioners,
Direksi, serta Pemegang Saham Utama dan Pengendali. members of Board of Directors, and Main and Controlling Shareholders.
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Komposisi dan Sertifikasi Profesi SKAI Composition and Professional Certification
of SKAI
Pada tahun 2024, Bank memiliki 8 (delapan) personel di SKAI yang In 2024, the Bank has 8 (eight) personnel of SKAI who have banking
telah memiliki sertifikasi manajemen risiko perbankan dan sertifikasi risk management certification and internal audit professional
profesi audit internal, dengan rincian sebagai berikut: certification, with the following details:
Nama Jabatan Sertifikasi Masa Berlaku Penyelenggara
Name Position Certifications Validity Period Organizer
Sertifikasi Audit Internal
Internal Audit Certification
Kepala Divisi Level Auditor Supervisor 5 Desember 2026 Lembaga Sertifikasi Profesi Perbankan
Djoko Soendjojo
Head of Division Supervisor Auditor Level 5 December 2026 Banking Profession Certification Institution
Kepala Unit Level Supervisor Lembaga Sertifikasi Profesi Perbankan
Ferry A Deuning 25 November 2027
Head of Unit Supervisor Level Banking Profession Certification Institution
Level Supervisor 5 Desember 2026 Lembaga Sertifikasi Profesi Perbankan
Fadillah Syarif Senior Officer
Supervisor Level 5 December 2026 Banking Profession Certification Institution
Level Auditor Lembaga Sertifikasi Profesi Perbankan
Diah Rucihto Januar Senior Officer 25 November 2027
Auditor Level Banking Profession Certification Institution
Level Auditor Lembaga Sertifikasi Profesi Perbankan
Wilma Pramana Officer 7 September 2023
Auditor Level Banking Profession Certification Institution
Marcell Reinhart Officer - - -
Jefferson Lianto
Officer - - -
Mualim
Hana Kamilah
Officer - - -
Gatra Wijaya
Sertifikasi Manajemen Risiko
Risk Management Certification
Kepala Divisi Manajemen Risiko Jenjang 6 1 Maret 2027 Lembaga Sertifikasi Profesi Perbankan
Djoko Soendjojo
Head of Division Risk Management Level 6 1 March 2027 Banking Profession Certification Institution
Kepala Unit Manajemen Risiko Jenjang 5 26 Maret 2027 Lembaga Sertifikasi Profesi Perbankan
Ferry A Deuning
Head of Unit Risk Management Level 5 26 March 2027 Banking Profession Certification Institution
Manajemen Risiko Jenjang 5 26 Maret 2027 Lembaga Sertifikasi Profesi Perbankan
Fadillah Syarif Senior Officer
Risk Management Level 5 26 March 2027 Banking Profession Certification Institution
Manajemen Risiko Jenjang 4 Lembaga Sertifikasi Profesi Perbankan
Diah Rucihto Januar Senior Officer 6 September 2027
Risk Management Level 4 Banking Profession Certification Institution
Manajemen Risiko Jenjang 5 Lembaga Sertifikasi Profesi Perbankan
Wilma Pramana Officer 29 November 2026
Risk Management Level 5 Banking Profession Certification Institution
Marcell Reinhart Officer - - -
Jefferson Lianto
Officer - - -
Mualim
Hana Kamilah
Officer - - -
Gatra Wijaya
Certificate Anti-Fraud Manager
Kepala Unit Certificate Anti-Fraud
Ferry A Deuning 8 November 2026 Asia Anti Fraud
Head of Unit Manager
Rapat SKAI SKAI Meeting
SKAI secara berkala melaksanakan rapat bersama Komite Audit, SKAI regularly holds meetings with Audit Committee, Board of
Direksi, dan Dewan Komisaris minimal 4 (empat) kali dalam setahun. Directors, and Board of Commissioners at least 4 (four) times in a
Rapat dilaksanakan untuk membahas laporan hasil pemeriksaan year. Meetings are held to discuss the quarter report of audit results
audit triwulan yang dilakukan oleh SKAI. conducted by SKAI.
SKAI telah melaksanakan rapat dengan Dewan Komisaris, Direksi, SKAI held 12 (twelve) meetings with the Board of Commissioners,
dan/atau Komite Audit sebanyak 12 (dua belas) kali di tahun 2024. Board of Directors, and/or Audit Committee in 2024. The agenda
Agenda yang dibahas dalam rapat tersebut meliputi progres discussed in the meeting covers audit progress and realization of
pemeriksaan dan realisasi hasil pemeriksaan. audit results.
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Tata Kelola Perusahaan
Good Corporate Governance
Rencana dan Realisasi Pelaksanaan Kerja SKAI Work Plan and Realization of SKAI
Sepanjang tahun 2024, pelaksanaan pemeriksaan telah berjalan Throughout 2024, audit was implemented according to the
sesuai dengan rencana yang telah ditetapkan. Setiap pemeriksaan established plan. Every audit was carried out on time, and all stages
dilakukan tepat waktu, dan seluruh tahapan audit berhasil of audit were successfully completed according to the planned
diselesaikan sesuai jadwal yang direncanakan. Dengan demikian, schedule. Thus, the supervision and evaluation process of various
proses pengawasan dan evaluasi terhadap berbagai unit kerja dapat work units are carried out optimally and in line with the established
berjalan optimal dan selaras dengan tujuan yang telah ditetapkan. objectives.
Pemeriksaan Objek Pemeriksaan
Audit Audit Object
KCU BIP
KCU Senayan
KCU Cideng
KCU Fatmawati
Operasional dan Kredit Cabang
KCU Kelapa Gading
Branch Operations and Credit
KCU Semarang
KCU Surabaya
KCU Bogor
KCU Makassar
Treasury Division, Settlement & FI
Unit Kerja Bisnis Commercial Banking Division
Business Unit SME I & Consumer Banking Division
Special Asset Management Division
Credit Risk Review Division
Loan & Trade Operation Division
Credit Monitoring & Collection Department
Credit Legal Division
Laporan Hasil Pemeriksaan Kepatuhan Bank Indonesia - Real Time Gross Settlement (LHPK BI-RTGS), Bank Indonesia -
Scripless Securities Settlement System (BI-SSSS), Sistem Jaringan Nasional Bank Indonesia (SJNBI), dan Kegiatan
Penyelesaian Dana Hasil Negosiasi (KPDHN)
Compliance Audit Report of Bank Indonesia - Real Time Gross Settlement (LHPK BI-RTGS), Bank Indonesia - Scripless
Securities Settlement System (BI-SSSS), Bank Indonesia National Network System (SJNBI), and Negotiated Fund
Unit Kerja Non-Bisnis Settlement Activities (KPDHN)
Non-Business Unit
Lembaga Penjamin Simpanan - Single Customer View (LPS-SCV)
Indonesia Deposit Insurance Corporation - Single Customer View (LPS-SCV)
Sistem Manajemen Keamanan Informasi – ISO 27001
Information Security Management System - ISO 27001
Information Technology Division
Satuan Kerja Manajemen Risiko Terintegrasi
Integrated Risk Management Work Unit
Fungsi Kepatuhan – Perlindungan Konsumen
Compliance Function - Consumer Protection
Temuan dan Tindak Lanjut Hasil Audit Findings and Follow-Up on Audit Results
Di tahun 2024, hasil audit menghasilkan sejumlah temuan yang telah In 2024, the audit resulted a number of findings reported to
dilaporkan kepada Dewan Komisaris dan Direksi. Temuan-temuan the Board of Commissioners and Board of Directors. These findings
tersebut disertai dengan rekomendasi yang harus segera ditindaklanjuti are accompanied by recommendations that must be followed
oleh auditee. Rekomendasi yang telah diselesaikan akan diinformasikan up immediately by the auditee. Completed recommendations
kembali kepada auditee dan Direksi, sementara rekomendasi yang will be re-informed to the auditee and Board of Directors, while
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masih tertunda akan terus dipantau hingga penyelesaiannya oleh pending recommendations will continuously be monitored until
SKAI. Sepanjang tahun 2024, terdapat 524 temuan hasil audit, di mana the completion by SKAI. Throughout 2024, there were 524 audit
502 temuan atau 95,80% telah berhasil ditindaklanjuti, sementara findings, in which 502 findings or 95.80% were successfully followed
22 temuan atau 4,20% masih dalam proses perbaikan. up, while 22 findings or 4.20% were still undergoing improvement
process.
Pelatihan dan/atau Peningkatan SKAI SKAI Training and/or Development Programs
Sepanjang tahun 2024, SKAI telah mengikuti pelatihan dan/atau Throughout 2024, the SKAI attended 45 trainings and/or
program peningkatan kompetensi, baik yang diselenggarakan secara competency development programs, both organized internally and
internal maupun eksternal, sebanyak 45 kali, dengan materi antara lain: externally, with materials including:
1. Training Pembekalan: Pendampingan dan Mekanisme Pelaksanaan 1. Briefing Training: Mentoring and Mechanism for Implementing
Resertifikasi Manajemen Risiko Jenjang 5; Recertification of Risk Management Level 5;
2. Training Pembekalan: Pendampingan dan Mekanisme Pelaksanaan 2. Briefing Training: Mentoring and Mechanism for Implementing
Resertifikasi Manajemen Risiko Jenjang 6; Recertification of Risk Management Level 6;
3. Program Pembekalan Audit Level Auditor; 3. Preparatory Program for Auditor Level Audit;
4. Training Audit Teknologi Informasi Berbasis Risiko Sesuai Peraturan 4. Training on Risk-Based Information Technology Audit according
Otoritas Jasa Keuangan; to Financial Services Authority Regulations;
5. Training Pengujian Keamanan Cyber (Table Top Exercise); 5. Cyber Security Testing Training (Table Top Exercise);
6. Training Penundaan Kewajiban Pembayaran Utang (PKPU); 6. Training on Debt Payment Obligation Suspension (PKPU);
7. Training Customer Due Diligence Khusus Warga Negara Asing; 7. Customer Due Diligence Training for Foreign Citizen;
8. Training dan Uji Sertifikasi Certified Anti-Fraud Professional (CAFP); 8. Certified Anti-Fraud Professional (CAFP) Training and
Certification Test;
9. Training Perlindungan Konsumen dan Perlindungan Data Pribadi; 9. Training on Customer Protection and Personal Data Protection;
10. Uji Sertifikasi Manajemen Risiko Jenjang 4; 10. Test of Risk Management Certification Level 4;
11. Uji Kompetensi Bidang Audit Level Auditor; 11. Audit Competency Test for Auditor Level;
12. Uji Kompetensi Bidang Audit Level Supervisor; 12. Audit Competency Test for Supervisor Level;
13. Analisa Laporan Keuangan; dan 13. Financial Statements Analysis; and
14. Training Praktik Manajemen Audit Internal Sesuai dengan 14. Training on Internal Audit Management Practice in Accordance
The Institute of Internal Auditors Global Internal Audit Standar with the Institute of Internal Auditors Global Internal Audit
2024. Standard 2024.
Akuntan Publik
Public Accountant
Kebijakan Penunjukan Akuntan Publik Policy in Appointing Public Accountant
Berdasarkan Peraturan Otoritas Jasa Keuangan Pursuant to the Financial Services Authority Regulation
No. 37/POJK.03/2019 tentang Transparansi dan Publikasi Laporan No. 37/POJK.03/2019 on Transparency and Publication of Bank
Bank dan Peraturan Otoritas Jasa Keuangan No. 9 Tahun 2023 Reports and Financial Services Authority Regulation No. 9 of 2023
tentang Penggunaan Jasa Akuntan Publik dan Kantor Akuntan on the Use of Services of Public Accountant and Public Accounting
Publik dalam Kegiatan Jasa Keuangan, serta hasil keputusan RUPS Firm in Financial Services Activities, as well as the Annual GMS
Tahunan tanggal 14 Juni 2024 yang berdasarkan rekomendasi resolutions dated 14 June 2024 based on the recommendations of
Dewan Komisaris dan Komite Audit, diputuskan bahwa Bank Board of Commissioners and Audit Committee, it was decided that
menunjuk Yovita dan Kantor Akuntan Publik Purwantono, Sungkoro the Bank appointed Yovita and Public Accounting Firm Purwantono,
& Surja (member of Ernst & Young) yang masing-masing terdaftar Sungkoro & Surja (member of Ernst & Young), respectively registered
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Tata Kelola Perusahaan
Good Corporate Governance
di Otoritas Jasa Keuangan sebagai Akuntan Publik dan Kantor with the Financial Services Authority as Public Accountant and
Akuntan Publik untuk melakukan audit atas Laporan Keuangan Public Accounting Firm to audit the Bank’s Consolidated Financial
Konsolidasian Bank tahun buku 2024. Statements for the 2024 fiscal year.
Dalam melaksanakan audit tersebut, Kantor Akuntan Publik Yovita telah In carrying out audit, Public Accounting Firm Yovita demonstrates
menunjukkan sikap independen, kompeten, profesional, dan objektif an independent, competent, professional, and objective attitude
sesuai dengan Standar Profesional Akuntan Publik sehingga Laporan in accordance with the Public Accountant Professional Standards,
Keuangan Konsolidasian Bank disajikan secara wajar dan transparan. and therefore, the Bank’s Consolidated Financial Statements are
presented in a fair and transparent manner.
Periode Akuntan Publik dan Period of Public Accountant
Kantor Akuntan Publik and Public Accounting Firm
Bank telah mematuhi Peraturan Otoritas Jasa Keuangan The Bank has complied with Financial Services Authority Regulation
No. 9 Tahun 2023 dalam penunjukan akuntan publik dan kantor No. 9 of 2023 in appointing public accountant and public accounting
akuntan publik. Akuntan publik yang sama dapat digunakan maksimal firm. The same public accountant can be used for a maximum of
7 (tujuh) tahun, sementara evaluasi penggunaan kantor akuntan publik 7 (seven) years, while the evaluation of the use of public accounting
bergantung pada hasil penilaian Komite Audit terkait potensi risikonya. firm depends on the results of Audit Committee’s assessment of its
potential risks.
Pada tahun 2024, penunjukan Akuntan Publik Yovita merupakan In 2024, the appointment of Public Accountant Yovita was the
penunjukan yang keempat kalinya, dengan Kantor Akuntan Publik fourth appointment, with Public Accounting Firm Purwantono,
Purwantono, Sungkoro & Surja (member of Ernst & Young) yang Sungkoro & Surja (member of Ernst & Young) obtained
telah mendapatkan persetujuan dari Otoritas Jasa Keuangan approval from the Financial Services Authority through Letter
melalui Surat No. 06400/PSS-AS/2024 tanggal 24 Oktober 2024. No. 06400/PSS-AS/2024 dated 24 October 2024.
Sementara itu, informasi akuntan publik dan kantor akuntan publik Meanwhile, information on public accountants and public accounting
yang digunakan Bank dalam 5 (lima) tahun terakhir sebagai berikut: firms used by the Bank in the past 5 (five) years is as follows:
Tahun Buku
Uraian Fiscal Year
Description
2024 2023 2022 2021 2020
Tanudiredja, Wibisana, Rintis
dan Rekan (member of
Kantor Akuntan Publik Pricewaterhouse Cooper)
Purwantono, Sungkoro & Surja (member of Ernst & Young)
Public Accounting Firm Tanudiredja, Wibisana, Rintis
and Partners (member of
Pricewaterhouse Cooper)
Akuntan Publik
Yovita Jimmy Pangestu, SE
Public Accountant
Nomor Izin Akuntan Publik
AP. 0242 1124
Public Accountant License Number
Masa Kontrak Januari-Desember Januari-Desember
Contract Period January-December January-December
Biaya (Rp)
1,720,000,000 1,650,000,000 2,320,000,000 1,550,000,000 1,700,000,000
Fee (Rp)
Jasa Non-Audit yang Diberikan Non-Auditing Services Provided
Akuntan Publik by Public Accountant
Pada tahun 2024, tidak terdapat jasa lain yang diberikan oleh In 2024, there were no other services provided by Public Accounting
Kantor Akuntan Publik Purwantono, Sungkoro & Surja selain jasa Firm Purwantono, Sungkoro & Surja other than auditing services for
audit Laporan Keuangan Tahun Buku 2024. Dengan demikian, tidak Financial Statements for 2024 fiscal year. As such, there was no
terdapat biaya yang dikeluarkan untuk jasa non-audit. expense incurred for non-audit services.
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Efektivitas Pelaksanaan Audit Effectiveness of Audit Implementation
oleh Akuntan Publik by Public Accountant
Secara aktif, Komite Audit berkomunikasi akuntan publik dan kantor The Audit Committee actively communicates with the appointed
akuntan publik yang ditunjuk sebelum proses audit dimulai mengenai public accountant and public accounting firm prior to audit process
hal-hal yang menjadi perhatian bagi Komite Audit, serta melakukan regarding matters of concern to the Audit Committee, and evaluates
evaluasi atas proses pelaksanaan audit oleh akuntan publik dan the audit process by public accountant and public accounting firm
kantor akuntan publik tersebut setelah proses audit selesai dilakukan upon the completion of audit process, then its results are submitted
untuk kemudian hasilnya disampaikan ke Otoritas Jasa Keuangan. to the Financial Services Authority.
Pengawasan dan Komunikasi Supervision and Communication of
Akuntan Publik dan Bank Public Accountant and the Bank
Bank juga mewajibkan akuntan publik untuk melakukan komunikasi The Bank also requires public accountant to communicate the
rencana metodologi dan sampel audit atas Laporan Keuangan Bank methodological plan and audit sample for the Bank’s Financial
kepada Komite Audit dan Auditor Internal. Komite Audit dan Auditor Statements to the Audit Committee and Internal Auditor. The
Internal juga terus mengawasi dan memastikan kelancaran dan Audit Committee and Internal Auditor also continue to supervise
kesesuaian pelaksanaan proses audit eksternal dengan ketentuan and ensure the smoothness and conformity of the external audit
yang berlaku sekaligus melakukan evaluasi atas kualitas proses process with the applicable provisions, while evaluating the quality
audit. Pengawasan dan pemantauan terhadap kinerja akuntan of audit process. Supervision and monitoring of the performance
publik dan kantor akuntan publik dibahas pada rapat Komite Audit of public accountant and public accounting firm are discussed
yang diikuti oleh Auditor Internal dan Direksi terkait. Dalam rapat at Audit Committee meeting, attended by Internal Auditor and
tersebut juga dibahas mengenai tindak lanjut temuan-temuan audit relevant Board of Directors. The meeting also discusses follow-up
oleh akuntan publik dan kantor akuntan publik, sehingga dapat to audit findings by public accountant and public accounting firm,
memberikan hasil audit yang komprehensif dan optimal. so as they can provide comprehensive and optimal audit results.
Sistem Pengendalian Internal
Internal Control System
Bank menerapkan Sistem Pengendalian Intern (SPI) untuk The Bank implements Internal Control System (SPI) to support
mendukung pencapaian tujuan Bank dan mengidentifikasi potensi the achievement of the Bank’s objectives and identify potential
risiko. SPI berperan penting dalam menjaga operasional yang risks. SPI plays an important role in maintaining sound, safe, and
sehat, aman, dan terkendali, serta dirancang untuk melindungi aset controlled operations, and is designed to protect Bank’s assets,
Bank, memastikan laporan yang akurat, meningkatkan kepatuhan, ensure accurate reporting, improve compliance, reduce risk of losses
mengurangi risiko kerugian dan penyimpangan, serta meningkatkan and irregularities, and improve cost effectiveness and efficiency.
efektivitas dan efisiensi biaya.
Ruang Lingkup Pengendalian Internal Internal Control Scope
SPI Bank dijalankan dengan mengacu pada Surat Edaran Otoritas The Bank’s SPI is carried out by referring to the Financial Services
Jasa Keuangan No. 35/SEOJK.03/2017 tentang Pedoman Standar Authority Circular Letter No. 35/SEOJK.03/2017 on Guidelines
Pengendalian Internal bagi Bank Umum. Sementara tanggung jawab for Internal Control Standards for Commercial Banks. Meanwhile,
implementasi SPI melibatkan seluruh pihak dalam organisasi, meliputi: the responsibility for implementing SPI involves all parties in the
organization, including:
1. Direksi 1. Board of Directors
Bertanggung jawab menciptakan dan memelihara Responsible for creating and maintaining effective internal
pengendalian internal yang efektif, serta memastikan bahwa control, and ensuring that the system runs safely and reliably
sistem tersebut berjalan secara aman dan andal sesuai dengan in accordance with the internal control objectives specified by
tujuan pengendalian internal yang telah ditetapkan oleh Bank. the Bank.
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Tata Kelola Perusahaan
Good Corporate Governance
2. Dewan Komisaris 2. Board of Commissioners
Bertanggung jawab mengawasi pelaksanaan pengendalian Responsible for supervising the implementation of internal
internal secara umum, termasuk kebijakan Direksi yang control in general, including the Board of Directors’ policies that
menetapkan pengendalian internal. establish internal control.
3. SKAI 3. SKAI
Bertanggung jawab mengevaluasi dan berperan aktif dalam Responsible for evaluating and taking an active role in improving
meningkatkan efektivitas pengendalian internal secara the effectiveness of internal control on an ongoing basis, in
berkesinambungan, berkaitan dengan pelaksanaan operasional relation to the implementation of the Bank’s operations that
Bank yang berpotensi menimbulkan kerugian dalam may potentially incur losses in achieving the targets specified
pencapaian sasaran yang telah ditetapkan oleh manajemen. by the management. In this regard, the Bank consistently
Terkait hal ini, Bank senantiasa memastikan agar jalur pelaporan ensures that reporting channels are adequate and that internal
telah memadai dan auditor internal telah memiliki keahlian, auditors have the expertise, particularly regarding the practice
khususnya terkait praktik dan penerapan penilaian risiko. and application of risk assessments.
4. Pejabat Eksekutif dan Karyawan 4. Executive Officers and Employees
Bertanggung jawab melaksanakan pengendalian internal yang Responsible for implementing the internal control established
telah ditetapkan oleh manajemen Bank. Melalui pengendalian by the Bank’s management. Through effective internal control,
internal yang efektif, tanggung jawab Pejabat Eksekutif dan the responsibilities of Executive Officers and Bank employees
karyawan Bank akan meningkat, mendorong budaya risiko yang will improve and promote an adequate risk culture, as well
memadai, serta mempercepat proses identifikasi terhadap as accelerate the process of identifying unhealthy banking
praktik perbankan yang tidak sehat dan terhadap organisasi practices and organization through an efficient early-detection
melalui sistem deteksi dini yang efisien. system.
5. Pihak Eksternal 5. External Parties
Antara lain meliputi Otoritas Jasa Keuangan, auditor Among others including the Financial Services Authority,
eksternal, dan nasabah Bank yang berkepentingan terhadap external auditors, and Bank’s customers who have an interest in
terlaksananya pengendalian internal yang andal dan efektif. the implementation of reliable and effective internal controls.
Dewan Komisaris dan Direksi juga memiliki peran penting dalam The Board of Commissioners and Board of Directors also have
memastikan komitmen, perilaku, kepedulian, dan penerapan an important role in ensuring effective commitments, behaviors,
pengendalian internal yang efektif di seluruh kegiatan operasional concerns, and implementation of internal controls throughout the
Bank. Sebagai bagian dari tanggung jawab ini, Dewan Komisaris Bank’s operational activities. As part of this responsibility, the Board
dan Direksi menetapkan elemen-elemen penting dalam lingkungan of Commissioners and Board of Directors established important
pengendalian, yaitu: elements in controlled environment, namely:
1. Struktur organisasi yang memadai; 1. Sufficient organizational structure;
2. Gaya kepemimpinan dan filosofi manajemen Bank; 2. Bank’s leadership style and management philosophy;
3. Integritas dan nilai-nilai etika, serta kompetensi seluruh 3. Integrity and ethical values, as well as the competence of
karyawan; all employees;
4. Kebijakan dan prosedur human capital Bank; 4. Bank’s human capital policies and procedures;
5. Atensi dan arahan manajemen Bank dan Komite lainnya, seperti 5. Attention and direction of the Bank’s management and
Komite Pemantau Risiko; dan other Committees, such as Risk Monitoring; and
6. Faktor-faktor eksternal yang memengaruhi operasional Bank 6. External factors affecting the Bank’s operations and the risk
dan penerapan manajemen risiko. management implementation.
Berbagai faktor penting yang menjadi pertimbangan dalam Various important factors that are considered in establishing the
menetapkan unsur-unsur lingkungan pengendalian dan elements of controlled environment and implementing internal
mengimplementasikan pengendalian internal meliputi: control include:
1. Total aset; 1. Total assets;
2. Jenis produk dan aktivitas yang ditawarkan, termasuk produk 2. The types of products and activities offered, including new
dan aktivitas baru; products and activities;
3. Kompleksitas operasional, termasuk jaringan kantor; 3. Operational complexity, including office network;
4. Profil risiko dari setiap kegiatan usaha; 4. Risk profile of each business activity;
5. Metode yang digunakan untuk pengolahan data dan teknologi 5. Methods used for data and information technology processing,
informasi, serta metodologi yang diterapkan untuk pengukuran, as well as methodology applied for risk measurement,
pemantauan, dan pembatasan (limit) risiko; dan monitoring, and limit; and
6. Ketentuan dan peraturan perundang-undangan. 6. Provisions and laws and regulations.
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Kesesuaian Pengendalian Internal Conformity of Internal Control with
dengan Kerangka COSO COSO Framework
Tujuan penerapan SPI di Bank adalah untuk memastikan efektivitas The objective of implementing SPI at the Bank is to ensure
operasional, keandalan pelaporan, serta kepatuhan terhadap operational effectiveness, reporting reliability, and compliance with
ketentuan yang berlaku, sesuai dengan kerangka pengendalian applicable regulations, in line with the internal control framework
internal yang dikembangkan oleh Committee of Sponsoring developed by the Committee of Sponsoring Organizations of
Organizations of the Treadway Commission (COSO). COSO the Treadway Commission (COSO). COSO divides internal control
membagi pengendalian internal ke dalam 5 (lima) komponen yang into 5 (five) interrelated components, which are:
saling terkait, yaitu:
1. Lingkungan pengendalian; 1. The controlled environment;
2. Penilaian risiko; 2. Risk assessment;
3. Aktivitas pengendalian; 3. Controlled activities;
4. Informasi dan komunikasi; dan 4. Information and communication; and
5. Kegiatan pemantauan. 5. Monitoring activity.
Komponen Pengendalian Internal Internal Control Components
Bank memiliki 5 (lima) komponen pengendalian internal yang saling The Bank has 5 (five) interrelated internal control components,
berkaitan, dengan uraian sebagai berikut: described as follows:
1. Pengawasan oleh Manajemen dan Budaya Pengendalian 1. Control by the Management and Control Culture
a. Dewan Komisaris bertanggung jawab untuk mengesahkan a. The Board of Commissioners is responsible for validating
dan mengkaji kebijakan dan strategi usaha Bank, memahami and reviewing the Bank’s business policies and strategies,
dan mengendalikan risiko utama Bank, menetapkan struktur understanding and controlling the Bank’s main risks,
organisasi, dan memastikan pemantauan efektivitas determining the organizational structure, and ensuring the
implementasi SPI; dan monitoring of the effectiveness of SPI implementation; and
b. Direksi bertanggung jawab untuk melaksanakan kebijakan b. The Board of Directors is responsible for implementing policies
dan strategi Dewan Komisaris, mengembangkan and strategies of the Board of Commissioners, developing risk
prosedur pengendalian risiko, mempertahankan struktur control procedure, maintaining a clear organizational structure,
organisasi yang jelas, menetapkan kebijakan dan prosedur establishing internal control policies and procedures, and
pengendalian internal, dan memantau efektivitas SPI. monitoring the effectiveness of SPI.
Dalam melaksanakan tanggung jawab tersebut, Dewan In carrying out these responsibilities, the Board of
Komisaris dan Direksi bertanggung jawab untuk meningkatkan Commissioners and Board of Directors are responsible for
etika kerja dan integritas dalam menciptakan budaya organisasi improving work ethics and integrity in creating an organizational
yang menekankan pentingnya pengendalian internal di Bank. culture that emphasizes the importance of internal control in
Hal ini dilakukan dengan: the Bank. This is done by:
a. Menjadi panutan bagi seluruh karyawan, dengan komitmen a. Being role models to all employees, with a high personal
pribadi tinggi terhadap pengembangan Bank yang sehat; commitment to the development of a sound Bank;
b. Mengelola human capital dengan menempatkan karyawan b. Managing human capital by placing employees in
sesuai keterampilan, pengetahuan, dan perilaku; dan accordance with their skills, knowledge, and behavior; and
c. Meningkatkan kesadaran karyawan tentang efektivitas tugas c. Raising employee awareness on the effectiveness of their
dan tanggung jawab mereka, serta mendorong karyawan duties and responsibilities, and encouraging employees
untuk mengomunikasikan setiap permasalahan dalam to communicate to relevant management regarding every
kegiatan operasional Bank kepada manajemen terkait. problem in the Bank’s operational activities.
Seluruh kebijakan, standar, dan prosedur operasional All of the operational policies, standards, and procedures
didokumentasikan untuk mendukung efisiensi penerapan are documented to support the efficient implementation of
budaya pengendalian. Bank juga mengelola kebijakan untuk the control culture. The Bank also manages policy to avoid
menghindari peluang penyimpangan atau pelanggaran guna opportunities of deviation or violation in order to strengthen
memperkuat nilai-nilai etika. ethical value.
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Tata Kelola Perusahaan
Good Corporate Governance
2. Identifikasi dan Penilaian Risiko 2. Risk Identification and Assessment
Untuk mengidentifikasi, menganalisis, dan menilai risiko yang To identify, analyze, and assess risks that will be faced, the
dihadapi, Direksi Bank melakukan penilaian risiko. Bank secara Bank’s Board of Directors conducts risk assessment. The
berkelanjutan memantau dan mengidentifikasi semua jenis Bank continuously monitors and identifies all types of risks,
risiko, menetapkan limit dan teknik pengendalian risiko dengan establishes such risk limit and control technique with the
bantuan auditor internal sehingga cakupan audit lebih luas. assistance of the internal auditor for wider audit coverage. In
Jika risiko belum terkendali, Bank akan melakukan peninjauan the event that the risk has not been controlled, the Bank will
ulang pengendalian internal. re-assess the internal control.
3. Kegiatan Pengendalian Internal dan Pemisahan Fungsi 3. Activities of Internal Control and Separation of Functions
Kegiatan pengendalian internal di Bank direncanakan dan Internal control activities at the Bank are planned and
dipantau secara efektif. Kegiatan pengendalian internal Bank monitored effectively. The Bank’s internal control activities
mencakup kebijakan, prosedur, dan praktik yang diuraikan include policies, procedures, and practices described as
sebagai berikut: follows:
a. Kaji Ulang Manajemen a. Management Review
Direksi sebagai top level management melakukan kaji ulang The Board of Directors as top-level management reviews
melalui rapat berkala bersama Dewan Komisaris dan SKAI. through regular meetings with the Board of Commissioners
Rapat tersebut membahas Laporan Hasil Pemeriksaan and SKAI. Such meetings discuss the Audit Result Report to
Audit untuk kaji ulang hasil pemeriksaan rutin dan khusus. review the results of routine and special audits.
b. Kaji Ulang Kinerja Operasional b. Operational Performance Review
SKAI secara rutin berkomunikasi dengan komite-komite SKAI regularly communicates with committees under
di bawah Direksi, seperti ALCO, Komite Manajemen Risiko, the Board of Directors, such as ALCO, Risk Management
dan Komite GCG untuk memastikan pengendalian internal Committee, and GCG Committee to ensure that internal
pada level operasional. control is at the operational level.
c. Pengendalian Sistem Informasi c. Information System Control
Bank menerapkan pengendalian internal pada sistem The Bank implements internal control over information and
informasi dan teknologi melalui audit rutin di Divisi Information technology system through routine audit in Information
Technology dan Divisi Business Analytic and MIS. Technology Division and Business Analytic and MIS Division.
d. Pengendalian Aset Fisik d. Control of Physical Assets
Pengendalian atas aset fisik dilakukan melalui audit Physical asset control is performed through annual audit
tahunan di Divisi Human Capital Management & General to Human Capital Management & General Affair Division to
Affair untuk memastikan keamanan fisik aset Bank. ensure the physical security of the Bank’s assets.
e. Dokumentasi e. Documentation
Formalisasi dan pendokumentasian kebijakan, prosedur, Formalizing and documenting policies, procedures, systems,
sistem, standar akuntansi, dan proses audit dengan accounting standards, and audit process adequately.
memadai. Selain itu, melakukan pembaruan berkala In addition, periodically renewing the policies and SOP
terhadap kebijakan dan SOP yang selanjutnya disampaikan which are then conveyed to officials and employees to
kepada pejabat dan karyawan untuk mengakomodir accommodate the Bank’s actual requirements.
kebutuhan Bank secara aktual.
Bank juga menerapkan prinsip pemisahan fungsi dalam The Bank also applies the principle of separation of functions
kegiatan pengendalian internal untuk mencapai efektivitas in internal control activities to achieve effectiveness and
dan mencegah kesalahan atau penyimpangan di setiap level prevent mistakes or deviations at every organizational level.
organisasi. Prinsip pemisahan fungsi ini diwujudkan melalui This principle of function separation is manifested through
Keputusan Direksi No. 031F/SK-DIR/05/23 tanggal 31 Mei 2023 the Board of Directors’ Decision Letter No. 031F/SK-DIR/05/23
tentang Pendelegasian Wewenang Biaya Unit Kerja General dated 31 May 2023 on Authorization Delegation of the General
Affair. Affair Work Unit’s Cost.
4. Sistem Akuntansi, Informasi, dan Komunikasi 4. Accounting, Information, and Communication Systems
Sistem akuntansi mencakup metode dan catatan untuk The accounting system includes methods and records
mengidentifikasi, mengelompokkan, menganalisis, mengklasifikasi, to identify, group, analyze, classify, record, and report
mencatat, dan melaporkan transaksi sesuai standar akuntansi di transactions in accordance with accounting standards in
Indonesia. Sementara itu, sistem informasi dikelola dengan baik dan Indonesia. Meanwhile, the information system is properly
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diperbarui secara berkala untuk menghasilkan laporan yang akurat managed and updated periodically in order to produce
dan tepat waktu mengenai kegiatan usaha, kondisi keuangan, accurate and timely reports on business activities, financial
manajemen risiko, dan pemenuhan ketentuan. Pengelolaan sistem conditions, risk management, and compliance with provisions.
informasi mencakup rencana pemulihan darurat dan backup untuk The management of information system includes contingency
mencegah kegagalan usaha yang berisiko tinggi. Adapun sistem recovery plans and back up to prevent high risk business
komunikasi dikelola agar dapat memberikan informasi secara tepat failures. The communication system is managed to provide
waktu kepada semua pihak, baik internal maupun eksternal. timely information to all parties, both internal and external.
5. Kegiatan Pemantauan dan Tindakan Koreksi Penyimpangan 5. Monitoring Activities and Corrective Actions
Bank secara berkala melakukan pemantauan dan evaluasi The Bank periodically monitors and evaluates primary
terhadap risiko utama, baik oleh Unit Kerja Operasional risks, both by the Operating Unit (risk taking unit) and by
(risk taking unit) maupun oleh SKAI. Auditor internal melakukan SKAI. Internal auditor conducts operational and financial
pemeriksaan operasional dan keuangan di berbagai kantor Bank, auditing checks in various Bank’s offices, including credit,
mencakup perkreditan, Dana Pihak Ketiga (DPK), penerapan Third Party Funds (DPK), AML and CTF implementation,
APU dan PPT, Know Your Customer (KYC), teller dan uang tunai, Know Your Customer (KYC), tellers and cash, security, service
security, service excellence, Laporan Keuangan, gedung dan excellence, Financial Statements, building and inventory,
inventaris, dan lainnya. Setiap kelemahan dalam pengendalian and others. Any weaknesses in internal control identified by
internal yang diidentifikasi oleh unit risiko, auditor internal, risk taking units, internal auditors, or other parties must be
ataupun pihak lain akan segera dilaporkan kepada pejabat atau immediately reported to the authorized officers or Directors for
Direksi yang berwenang untuk ditindaklanjuti. follow-up.
Tinjauan atas Efektivitas Sistem Overview of the Effectiveness of
Pengendalian Internal 2024 Internal Control System in 2024
SPI dirancang untuk mengelola dan mengendalikan risiko dengan SPI is designed to properly manage and control risks and not
baik dan bukan untuk menghilangkan risiko tersebut. Pengawasan to eliminate these risks. Supervision of the effectiveness of SPI
efektivitas jalannya SPI di Bank dilakukan oleh SKAI dan hasilnya implementation at the Bank is carried out by SKAI and the results
disampaikan kepada Direksi serta dilaporkan ke Dewan Komisaris are submitted to the Board of Directors and reported to the Board
melalui Komite Audit. Pada tahun 2024, evaluasi tersebut of Commissioners through Audit Committee. In 2024, the evaluation
telah menghasilkan keputusan bahwa SPI Bank masih selaras resulted in a decision that the Bank’s SPI was still in accordance
dengan prinsip-prinsip pengendalian serta secara keseluruhan with the principles of control and comprehensively showed that the
memperlihatkan kualitas SPI Bank tetap berjalan dengan baik. quality of the Bank’s SPI was still implemented properly. Regarding
Adapun terkait dengan permasalahan kecukupan pengendalian the issue of internal control adequacy, it has been reported to
internal telah dilaporkan kepada Direksi dan langkah-langkah tindak the Board of Directors and follow-up measures have been taken
lanjut telah dilakukan untuk meminimalisasi risiko. Laporan juga to minimize the risk. The report is also submitted to the Board of
disampaikan kepada Dewan Komisaris melalui Komite Audit. Commissioners through Audit Committee.
Pernyataan Dewan Komisaris dan Statement of Board of Commissioners and
Direksi atas Kecukupan Sistem Board of Directors on the Internal Control
Pengendalian Internal System Adequacy
Dewan Komisaris dan Direksi menyatakan bahwa Bank telah The Board of Commissioners and Board of Directors stated that the
memiliki SPI yang efektif dan memadai dalam mengelola risiko-risiko Bank had an effective and adequate SPI in managing the risks faced
yang dihadapi Bank selama tahun 2024. Risiko yang dihadapi tetap by the Bank in 2024. The risks faced remained within the tolerance
berada dalam batas toleransi dalam mendukung pencapaian tujuan limit in supporting the achievement of the Bank’s objectives, which
Bank, di antaranya tercermin melalui operasional dijalankan secara were reflected in effective and efficient operations, submission of
efektif dan efisien, penyampaian Laporan Keuangan yang akurat accurate and reliable Financial Statements, safeguarding of Bank’s
dan dapat diandalkan, pengamanan aset Bank, dan kepatuhan assets, and compliance with applicable laws and regulations.
terhadap hukum dan peraturan yang berlaku.
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Tata Kelola Perusahaan
Good Corporate Governance
Fungsi Kepatuhan
Compliance Function
Fungsi Kepatuhan Bank berperan dalam meningkatkan budaya The Bank’s Compliance Function plays a role in improving the
kepatuhan untuk mendukung praktik GCG. Fungsi Kepatuhan culture of compliance to support GCG practices. The Compliance
berfokus pada upaya preventif untuk mengurangi risiko kepatuhan Function focuses on preventive efforts to reduce compliance risks
dan memastikan bahwa kebijakan, ketentuan, sistem, prosedur, and ensure that the Bank’s policies, provisions, systems, procedures,
serta kegiatan usaha Bank sesuai dengan ketentuan Otoritas and business activities are in accordance with the provisions of
Jasa Keuangan dan peraturan perundang-undangan, termasuk Financial Services Authority and laws and regulations, including in
pemenuhan komitmen kepada regulator tepat waktu. fulfilling commitments to regulators in a timely manner.
Pedoman Fungsi Kepatuhan Compliance Function Charter
Pelaksanaan tugas dan tanggung jawab Fungsi Kepatuhan The implementation of duties and responsibilities of Compliance
berpedoman pada Peraturan Otoritas Jasa Keuangan Function is guided by Financial Services Authority Regulation
No. 46/POJK.03/2017 tentang Pelaksanaan Fungsi Kepatuhan bagi No. 46/POJK.03/2017 on Implementation of Compliance Function of
Bank Umum. Commercial Banks.
Penanggung Jawab Fungsi Kepatuhan Person in Charge of the Compliance Function
Bank telah menetapkan Direktur Kepatuhan dan Manajemen Risiko The Bank has appointed the Director of Compliance, System
serta Divisi Compliance, System Procedure & Customer Protection Procedure & Customer Protection Division responsible for
yang bertanggung jawab atas pelaksanaan fungsi kepatuhan di implementing the compliance function at Bank Victoria.
Bank Victoria. Pelaksanaan fungsi kepatuhan ini diawasi secara The implementation of this compliance function is actively
aktif oleh Dewan Komisaris. Adapun tugas dan tanggung jawab supervised by the Board of Commissioners. Duties and
masing-masing pihak dalam menjalankan fungsi kepatuhan responsibilities of each party in performing compliance function are
diuraikan sebagai berikut: described as follows:
1. Dewan Komisaris 1. Board of Commissioners
a. Mengevaluasi pelaksanaan fungsi kepatuhan Bank paling a. Evaluating the implementation of the Bank’s compliance
sedikit 2 (dua) kali dalam setahun; dan function at least 2 (two) times a year; and
b. Berdasarkan hasil evaluasi pelaksanaan fungsi kepatuhan, b. Based on the evaluation results of implementation of
Dewan Komisaris menyampaikan saran-saran dalam rangka compliance function, the Board of Commissioners provides
peningkatan kualitas pelaksanaan fungsi kepatuhan suggestions to improve the quality of compliance function
kepada Direktur Utama dengan tembusan kepada Direktur to the President Director with a copy to the Director of
Kepatuhan dan Manajemen Risiko. Compliance and Risk Management.
2. Direktur Kepatuhan dan Manajemen Risiko 2. Director of Compliance and Risk Management
a. Merumuskan strategi guna mendorong terciptanya budaya a. Formulating strategies to encourage the creation of the
kepatuhan Bank; Bank’s compliance culture;
b. Mengusulkan kebijakan kepatuhan atau prinsip-prinsip b. Proposing compliance policies or compliance principles to
kepatuhan yang akan ditetapkan oleh Direksi; be specified by the Board of Directors;
c. Menetapkan sistem dan prosedur kepatuhan yang digunakan c. Establishing compliance systems and procedures to
untuk menyusun ketentuan dan pedoman internal Bank; develop the Bank’s internal provisions and guidelines;
d. Memastikan bahwa seluruh kebijakan, ketentuan, sistem, d. Ensuring that all policies, provisions, systems, and
dan prosedur, serta kegiatan usaha yang dilakukan Bank procedures and business activities conducted by the Bank
telah sesuai dengan ketentuan Otoritas Jasa Keuangan are in accordance with the provisions of Financial Services
dan ketentuan peraturan perundang-undangan; Authority, and the laws and regulations;
e. Meminimalkan risiko kepatuhan Bank; e. Minimizing the Bank’s compliance risk;
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f. Melakukan tindakan pencegahan agar kebijakan dan/atau f. Taking precautions so that the policies and/or decisions
keputusan yang diambil Direksi Bank tidak menyimpang taken by the Bank’s Board of Directors do not deviate from
dari ketentuan Otoritas Jasa Keuangan dan ketentuan the provisions of the Financial Services Authority and the
peraturan perundang-undangan; dan provisions of laws and regulations; and
g. Melakukan tugas lain yang terkait dengan fungsi kepatuhan. g. Performing other tasks associated with the compliance
function.
Terkait dengan pelaksanaan tata kelola, maka Direktur Related to the implementation of governance, the Director
Kepatuhan dan Manajemen Risiko yang telah ditunjuk sebagai of Compliance and Risk Management who are appointed
Direktur in Charge dapat merumuskan langkah-langkah as the Director in Charge can formulate strategic steps to
strategis dalam mendukung dan meningkatkan efektivitas support and improve the effectiveness of compliance function
penerapan fungsi kepatuhan, penerapan manajemen risiko, implementation, risk management implementation, and
serta penerapan tata kelola. Pelaporan pelaksanaan tugas governance implementation. Reporting of the implementation
dan tanggung jawab dari fungsi kepatuhan kepada regulator of duties and responsibilities of the compliance function to the
dilakukan oleh Direktur Kepatuhan dan Manajemen Risiko regulator is conducted by the Director of Compliance and Risk
dengan tembusan kepada Dewan Komisaris paling kurang Management, with copies to the Board of Commissioners at
secara triwulan. least on a quarterly basis.
3. Divisi Compliance, System Procedure & Customer 3. Compliance, System Procedure & Customer Protection
Protection Division
a. Membuat langkah untuk mendukung terciptanya budaya a. Preparing steps in order to support the creation of a
kepatuhan pada seluruh kegiatan usaha Bank pada setiap compliance culture on all of the Bank’s business activities
jenjang organisasi; at every organizational level;
b. Melakukan identifikasi, pengukuran, pemantauan, dan b. Identifying, measuring, monitoring, and controlling the
pengendalian terhadap risiko kepatuhan dengan mengacu compliance risks by referring to the provisions of the
pada ketentuan Otoritas Jasa Keuangan; Financial Services Authority;
c. Menilai dan mengevaluasi efektivitas, kecukupan, dan c. Assessing and evaluating the effectiveness, adequacy, and
kesesuaian kebijakan, ketentuan, sistem maupun prosedur conformity of the Bank’s policies, regulations, systems, and
yang dimiliki oleh Bank dengan ketentuan peraturan procedures against the provisions of laws and regulations;
perundang-undangan;
d. Melakukan kaji ulang dan/atau merekomendasikan untuk d. Reviewing and/or recommending updates and refinements
menginikan dan menyempurnakan kebijakan, ketentuan, of policies, provisions, systems, and procedures owned by
sistem maupun prosedur yang dimiliki oleh Bank agar the Bank to be in accordance with the provisions of the
sesuai dengan ketentuan Otoritas Jasa Keuangan dan Financial Services Authority and provisions of laws and
ketentuan peraturan perundang-undangan; regulations;
e. Melakukan upaya untuk memastikan bahwa kebijakan, e. Taking measures to ensure that the policies, regulations,
ketentuan, sistem dan prosedur, serta kegiatan usaha Bank systems, and procedures, as well as the Bank’s business
telah sesuai dengan ketentuan Otoritas Jasa Keuangan activities to be in accordance with the provisions of the
dan ketentuan peraturan perundang-undangan; dan Financial Services Authority and provisions of laws and
regulations; and
f. Melakukan tugas lain yang terkait dengan fungsi kepatuhan. f. Performing other tasks associated with the compliance
function.
Divisi Compliance, System Procedure & Customer Protection The Compliance, System Procedure & Customer Protection
melaporkan seluruh aktivitasnya dalam melaksanakan tugas dan Division reports all of its activities in performing its duties and
tanggung jawabnya langsung kepada Direktur Kepatuhan dan responsibilities directly the Director of Compliance and Risk
Manajemen Risiko. Management.
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Tata Kelola Perusahaan
Good Corporate Governance
Profil Kepala Divisi Compliance, System Procedure & Customer Protection
Profile of the Head of Compliance, System Procedure & Customer Protection Division
R.R. UTAMI TJIPTO
Kepala Divisi Compliance, System Procedure & Customer Protection
Head of Compliance, System Procedure & Customer Protection Division
Kewarganegaraan / Nationality Tempat Lahir / Place of Birth Usia / Age Domisili / Domicile
Indonesia / Indonesian Jakarta 62 tahun / years old Jakarta
Dasar Pengangkatan dan Periode Menjabat Basis of Appointment and Term of Office
Keputusan Direksi No. 001/SK-DIR/HCM/06/23 tanggal 5 Juni 2023. Board of Directors’ Decision No. 001/SK-DIR/HCM/06/23 dated 5 June 2023.
Riwayat Pendidikan Education
Sarjana Hukum dari Universitas Airlangga (1986). Bachelor of Laws from Airlangga University (1986).
Rangkap Jabatan Concurrent Positions
Di dalam Bank Victoria: In Bank Victoria:
Tidak ada. None.
Di luar Bank Victoria: Outside of Bank Victoria:
Tidak ada. None.
Riwayat Jabatan History of Positions
• Recovery Litigation Group Head dan berbagai posisi di PT Bank CIMB • Recovery Litigation Group Head and various positions at PT Bank CIMB
Niaga Tbk (2009-2010); Niaga Tbk (2009-2010);
• Compliance & Legal Group Head PT Bank ICB Bumiputera Tbk (2010-2012); • Compliance & Legal Group Head of PT Bank ICB Bumiputera Tbk (2010-2012);
• Head of Compliance & Procedure PT Bank QNB Indonesia Tbk (2012-2017); • Head of Compliance & Procedure PT Bank QNB Indonesia Tbk (2012-2017);
• Core Team PT Asuransi Candi Utama establishment (2018-2019); • Core Team of PT Asuransi Candi Utama establishment (2018-2019);
• Head of Legal Compliance AML & Corporate Secretary PT Asuransi Candi • Head of Legal Compliance AML & Corporate Secretary PT Asuransi Candi
Utama (2020-2023); dan Utama (2020-2023); and
• Kepala Divisi Compliance & System and Procedure Bank Victoria • Head of Compliance & System and Procedure Division of Bank Victoria
(2023). (2023).
Sertifikasi Certification
• Sertifikasi Compliance Manager (CPM) dari Ikatan Bankir Indonesia (2016); • Compliance Manager Certification (CPM) from the Indonesian Bankers
Association (2016);
• Sertifikasi Asesor dari Sertifikasi Profesi Perbankan (2017); • Assessor Certification from Certification of Banking Profession (2017);
• Sertifikasi Manajemen Risiko Jenjang 4 dari Sertifikasi Profesi Perbankan • Level 4 Risk Management Certification from Certification of Banking
(2019); Profession (2019);
• Sertifikasi Manajemen Risiko - Qualified Chief Risk Officer dari Lembaga • Risk Management Certification - Qualified Chief Risk Officer from
Sertifikasi Profesi – Mitra Kalyana Sejahtera (2022); dan Professional Certification Institute – Mitra Kalyana Sejahtera (2022); and
• Sertifikasi Manajemen Risiko Jenjang 6 dari Lembaga Sertifikasi Profesi • Certification of Risk Management Level 6 from Banking Profession
Perbankan (2024). Certification Institution (2024).
Hubungan Afiliasi Affiliation Relationship
Tidak memiliki hubungan afiliasi dengan anggota Dewan Komisaris, anggota Does not have any affiliation with members of Board of Commissioners,
Direksi, serta Pemegang Saham Utama dan Pengendali. members of Board of Directors, and Main and Controlling Shareholders.
Laporan Singkat Pelaksanaan Kegiatan Brief Report on Implementation of
Fungsi Kepatuhan Tahun 2024 Compliance Function’s Activities in 2024
Sepanjang tahun 2024, Fungsi Kepatuhan telah melaksanakan Throughout 2024, the Compliance Function carried out activities as
kegiatan sebagai bentuk pelaksanaan tugas dan tanggung the implementation of its duties and responsibilities as described
jawabnya yang diuraikan sebagai berikut: below:
1. Menyusun dan memperbarui kebijakan serta prosedur sesuai 1. Preparing and updating policies and procedures in accordance
dengan regulasi yang berlaku; with applicable regulations;
2. Memantau dan menindaklanjuti hasil pemeriksaan Otoritas 2. Monitoring and following up on the results of the Financial
Jasa Keuangan sesuai batas waktu yang ditetapkan; Services Authority’s audit according to the target date set;
3. Bertindak sebagai liaison Bank dengan Otoritas Jasa Keuangan; 3. Acting as the Bank liaison with the Financial Services Authority;
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4. Melakukan kajian regulasi terhadap proposal kredit di atas nilai 4. Conducting regulatory reviews of credit proposals above a
tertentu; certain threshold;
5. Menelaah aspek kepatuhan terhadap regulasi atas produk dan/ 5. Reviewing aspects of regulatory compliance for new products
atau aktivitas baru; and/or activities;
6. Menyosialisasikan peraturan terbaru dari Otoritas Jasa 6. Disseminating the latest regulations from Financial Services
Keuangan, Bank Indonesia, dan regulator lainnya, serta Authority, Bank Indonesia, and other regulators, as well as the
kebijakan dan standar operasional prosedur Bank, baik secara Bank’s policies and standard operating procedures, both online
online maupun offline; and offline;
7. Menyelenggarakan Focus Group Discussion (FGD) atas 7. Organizing Focus Group Discussions (FGD) on Financial
Peraturan Otoritas Jasa Keuangan dan/atau Bank Indonesia; Services Authority and/or Bank Indonesia Regulations;
8. Menunjuk Compliance Champion di setiap divisi dan cabang 8. Appointing Compliance Champions in each division and branch
untuk meningkatkan budaya kepatuhan di seluruh lini Bank; to enhance compliance culture across all lines of the Bank;
9. Mengadakan pelatihan tentang Peraturan Otoritas Jasa 9. Conducting training on Financial Services Authority Regulations
Keuangan terkait Perlindungan Konsumen bagi fungsi kerja related to Consumer Protection for consumer protection work
perlindungan konsumen, Kepala Cabang, dan Kepala Operasi functions, Branch Managers, and Branch Operations Managers;
Cabang;
10. Mengirimkan pengingat kepada unit kerja terkait kewajiban 10. Sending reminders to work units regarding monthly, quarterly,
pelaporan bulanan, triwulan, semester, dan tahunan; semi-annual, and annual reporting obligations;
11. Mengisi topik terkait GCG dan regulasi dalam Rapat Budaya 11. Addressing topics related to GCG in Cultural Meetings held
yang diselenggarakan secara berkala; periodically;
12. Melakukan kajian produk dan/atau aktivitas baru serta membuat 12. Reviewing new products and/or activities and creating
compliance checklist produk dan/atau aktivitas baru; dan compliance checklists for new products and/or activities; and
13. Mengikuti pelatihan baik secara online maupun offline guna 13. Participating in training sessions, both online and offline, to
meningkatkan kompetensi di bidang kepatuhan. improve competency in compliance.
Pelatihan dan/atau Peningkatan Compliance Function’s Training
Fungsi Kepatuhan and/or Development Programs
Sepanjang tahun 2024, Fungsi Kepatuhan telah mengikuti Throughout 2024, the Compliance Function attended 58 trainings
pelatihan dan/atau program peningkatan kompetensi, baik yang and/or competency development programs, both organized
diselenggarakan secara internal maupun eksternal, sebanyak internally and externally, with materials covering opportunities
58 kali, dengan materi yang mencakup peluang dan tantangan and challenges for personal data protection in transactions in the
perlindungan data pribadi dalam transaksi di era digital, integritas digital era, integrity of financial reporting, Bank secrecy, consumer
pelaporan keuangan, rahasia Bank, perlindungan konsumen dan protection and personal data protection, anti-fraud, implementation
perlindungan data pribadi, anti-fraud, penerapan anti-pencucian of anti-money laundering, and implementation of internal control in
uang, dan penerapan pengendalian internal dalam proses pelaporan the Bank’s financial reporting process.
keuangan Bank.
Pengadaan Barang dan Jasa [POJK F.1]
Procurement of Goods and Services
Bank Victoria telah menyusun kebijakan pengadaan barang dan Bank Victoria prepared a policy on procurement of goods and
jasa sebagai panduan bagi unit kerja untuk mendukung operasional services as a guide for work units to support operations and customer
dan layanan nasabah. Bank juga dapat mengalihdayakan pekerjaan services. The Bank may also outsource its supporting works to
penunjang kepada penyedia jasa pihak ketiga. Proses pengadaan third-party service providers. The procurement process for goods
barang dan jasa di Bank juga dilakukan secara transparan, objektif, and services at the Bank is also carried out transparently, objectively,
memperlakukan semua rekanan secara adil, serta mencegah praktik and by treating all partners fairly, as well as by preventing unethical
tidak etis. practices.
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Tata Kelola Perusahaan
Good Corporate Governance
Etika Pengadaan Barang dan Jasa Ethics of Procurement of Goods and Services
Etika pelaksanaan pengadaan barang dan jasa di Bank berpedoman The ethics in implementing procurement of goods and services
pada Keputusan Direksi No. 024A/SK-DIR/02/23 tanggal at the Bank are guided by the Board of Directors’ Decision
24 Februari 2023 tentang Pedoman Kode Etik Perilaku Karyawan No. 024A/SK-DIR/02/23 dated 24 February 2023 on Employee’s
PT Bank Victoria International Tbk. Pedoman ini memastikan bahwa Code of Conduct of PT Bank Victoria International Tbk. This
hubungan antara karyawan dan rekanan atau calon rekanan selama conduct ensures that the employee’s relationship with partner
proses pengadaan barang dan/atau jasa mematuhi prinsip-prinsip or prospective partner during the procurement of goods and/or
berikut: services complies with the following principles:
1. Tidak menerima tips atau mencari pengadaan berdasarkan 1. Do not accept tips or seek procurement based on personal
keuntungan pribadi semata; interest;
2. Transparansi; 2. Transparency;
3. Mencari penawaran terbaik; 3. Look for the best deals;
4. Tidak terdapat conflict of interest; dan 4. No conflict of interest; and
5. Vendor harus mengikuti peraturan terkait pengadaan barang 5. Vendors must follow the regulations regarding the procurement
dan jasa yang berlaku di Bank Victoria. of goods and services applicable at Bank Victoria.
Pengadaan Barang dan Jasa Tahun 2024 Procurement of Goods and Services in 2024
Realisasi pengadaan barang dan jasa Bank selama tahun 2024 The realization of the Bank’s procurement of goods and services
sebesar Rp79.646.957.980,- dengan kegiatan pengadaan barang throughout 2024 was Rp79,646,957,980, with a total 12 (twelve)
dan jasa sebanyak 12 (dua belas) kegiatan. activities of procurement of goods and services.
Perkara Hukum
Legal Cases
Perkara hukum yang dihadapi selama tahun 2024 sebagai berikut: The legal cases faced in 2024 were as follows:
Perkara Hukum Perdata Pidana Tata Usaha Negara
Legal Cases Civil Criminal State Administration
Bank Victoria
Telah Selesai (Mempunyai Kekuatan Hukum yang Tetap)
6 - -
Settled (Final and Binding)
Dalam Proses Penyelesaian
13 - -
In Settlement Process
Dewan Komisaris dan Direksi Bank Victoria
Board of Commissioners and Board of Directors of Bank Victoria
Telah Selesai (Mempunyai Kekuatan Hukum yang Tetap)
- - -
Settled (Final and Binding)
Dalam Proses Penyelesaian
- - -
In Settlement Process
Total 19 - -
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Perkara Hukum yang Dihadapi Bank Victoria Tahun 2024
Legal Cases Faced by Bank Victoria in 2024
Pengaruh terhadap Sanksi
Pokok Perkara Status Penyelesaian Perusahaan Administrasi
Case Profile Settlement Status Impact on Administrative
the Company Sanctions
Perkara PT Iswara Dewata (Penggugat) di Pengadilan Negeri Jakarta Dalam proses di Pengadilan Negeri Belum ada Belum ada
Selatan No. 1057/Pdt.G/2024/PN Jkt.Sel Jakarta Selatan
Case of PT Iswara Dewata (Plaintiff) at South Jakarta District Court In process at South Jakarta District None yet None yet
No. 1057/Pdt.G/2024/PN Jkt.Sel Court
Perkara PT Surya Eden Utama (Pembanding) di Pengadilan Negeri Dalam proses di Pengadilan Tinggi Belum ada Belum ada
Jakarta Selatan No. 1150/Pdt.G/2022/PN Jkt.Sel DKI Jakarta
Case of PT Surya Eden Utama (Appellant) at South Jakarta District In process at DKI Jakarta High None yet None yet
Court No. 1150/Pdt.G/2022/PN Jkt.Sel Court
Perkara PT Mas Murni Indonesia Tbk (Dalam Pailit) (Penggugat) Berkekuatan Hukum Tetap Tidak ada Tidak ada
di Pengadilan Negeri Surabaya No. 222/Pdt.G/2024/PN Sby
Case of PT Mas Murni Indonesia Tbk (In Bankruptcy) (Plaintiff) Permanent Legal Force None None
at Surabaya District Court No. 222/Pdt.G/2024/PN Sby
Perkara Sucik Mardi (Penggugat) di Pengadilan Negeri Jakarta Pusat Dalam proses di Pengadilan Negeri Belum ada Belum ada
No. 525/Pdt.G/2024/PN Jkt.Pst Jakarta Pusat
Case of Sucik Mardi (Plaintiff) at Central Jakarta District Court In process at Central Jakarta None yet None yet
No. 525/Pdt.G/2024/PN Jkt.Pst District Court
Perkara Andy Hartono (Turut Termohon Kasasi) di Pengadilan Negeri Dalam proses di Mahkamah Agung Belum ada Belum ada
Jakarta Pusat No. 566/Pdt.G/2023/PN Jkt.Pst Republik Indonesia
Case of Andy Hartono (Co-Defendant for Cassation) at Central Jakarta In process at the Supreme Court of None yet None yet
District Court No. 566/Pdt.G/2023/PN Jkt.Pst the Republic of Indonesia
Perkara Firzia Resita (Pemohon Kasasi) di Pengadilan Negeri Jakarta Dalam proses di Mahkamah Agung Belum ada Belum ada
Selatan No. 826/Pdt.G/2023/PN Jkt.Sel Republik Indonesia
Case of Firzia Resita (Cassation Petitioner) at South Jakarta District In process at the Supreme Court of None yet None yet
Court No. 826/Pdt.G/2023/PN Jkt.Sel the Republic of Indonesia
Perkara Sufendi (Pemohon Kasasi) di Pengadilan Negeri Jakarta Selatan Dalam proses di Mahkamah Agung Belum ada Belum ada
No. 1139/Pdt.G/2023/PN Jkt.Sel Republik Indonesia
Case of Sufendi (Cassation Petitioner) at South Jakarta District Court In process at the Supreme Court of None yet None yet
No. 1139/Pdt.G/2023/PN Jkt.Sel the Republic of Indonesia
Perkara Siti Maryani (Tergugat) di Pengadilan Negeri Jakarta Pusat Berkekuatan Hukum Tetap Tidak ada Tidak ada
No. 46/Pdt.G/2024/PN Jkt.Pst
Case of Siti Maryani (Defendant) at Central Jakarta District Court Permanent Legal Force None None
No. 46/Pdt.G/2024/PN Jkt.Pst
Perkara PT Papan Utama Indonesia (Terbanding) di Pengadilan Tata Dalam proses di Pengadilan Tinggi Belum ada Belum ada
Usaha Negara Jakarta No. 143/G/2024/PTUN Jkt Tata Usaha Negara Jakarta
Case of PT Papan Utama Indonesia (Appellee) at the Jakarta State In process at Jakarta High None yet None yet
Administrative Court No. 143/G/2024/PTUN Jkt Administrative Court
Perkara Christofer Talaska (Tergugat) di Pengadilan Negeri Jakarta Dalam proses di Pengadilan Negeri Belum ada Belum ada
Barat No. 840/Pdt.G/2024/PN Jkt.Brt Jakarta Barat
Case of Christofer Talaska (Defendant) at West Jakarta District Court In process at West Jakarta District None yet None yet
No. 840/Pdt.G/2024/PN Jkt.Brt Court
Perkara PT Inter Medika Utama (Tergugat) di Pengadilan Negeri Jakarta Berkekuatan Hukum Tetap Tidak ada Tidak ada
Pusat No. 824/Pdt.G/2023/PN Jkt.Pst
Case of PT Inter Medika Utama (Defendant) at Central Jakarta District Permanent Legal Force None None
Court No. 824/Pdt.G/2023/PN Jkt.Pst
Perkara Yayasan Pendidikan Kader Keuangan dan Perbankan Bandung Dalam proses di Mahkamah Agung Belum ada Belum ada
(YPKKPB) (Penggugat) di Pengadilan Negeri Jakarta Pusat Republik Indonesia
No. 434/Pdt.G/2022/PN Jkt.Pst
Case of Bandung Financial and Banking Cadre Education Foundation In process at the Supreme Court of None yet None yet
(YPKKPB) (Plaintiff) at Central Jakarta District Court the Republic of Indonesia
No. 434/Pdt.G/2022/PN Jkt.Pst
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Tata Kelola Perusahaan
Good Corporate Governance
Pengaruh terhadap Sanksi
Pokok Perkara Status Penyelesaian Perusahaan Administrasi
Case Profile Settlement Status Impact on Administrative
the Company Sanctions
Perkara PT Karya Technik Multifinance (Tergugat) di Pengadilan Negeri Dalam proses di Pengadilan Negeri Belum ada Belum ada
Jakarta Barat No. 202/Pdt.Bth/2024/PN Jkt.Brt Jakarta Barat
Case of PT Karya Technik Multifinance (Defendant) at West Jakarta In process at West Jakarta District None yet None yet
District Court No. 202/Pdt.Bth/2024/PN Jkt.Brt Court
Perkara Susanto (Penggugat) di Pengadilan Negeri Surabaya Dalam proses di Mahkamah Agung Belum ada Belum ada
No. 1164/Pdt.G/2023/PN Sby Republik Indonesia
Case of Susanto (Plaintiff) at Surabaya District Court In process at the Supreme Court of None yet None yet
No. 1164/Pdt.G/2023/PN Sby the Republic of Indonesia
Perkara PT Kebun Indah Selaras (Penggugat) di Pengadilan Negeri Dalam proses di Pengadilan Negeri Belum ada Belum ada
Jakarta Selatan No. 839/Pdt.G/2024/PN Jkt.Sel Jakarta Selatan
Case of PT Kebun Indah Selaras (Plaintiff) at South Jakarta District In process at South Jakarta District None yet None yet
Court No. 839/Pdt.G/2024/PN Jkt.Sel Court
Perkara PT Mas Murni Indonesia Tbk (Dalam Pailit) di Pengadilan Negeri Berkekuatan Hukum Tetap Tidak ada Tidak ada
Surabaya No. 495/Pdt.Bth/2024/PN Sby
Case of PT Mas Murni Indonesia Tbk (In Bankruptcy) at Surabaya Permanent Legal Force None None
District Court No. 495/Pdt.Bth/2024/PN Sby
Perkara PT Mas Murni Indonesia Tbk (Dalam Pailit) di Pengadilan Negeri Berkekuatan Hukum Tetap Tidak ada Tidak ada
Surabaya No. 493/Pdt.Bth/2024/PN Sby
Case of PT Mas Murni Indonesia Tbk (In Bankruptcy) at Surabaya Permanent Legal Force None None
District Court No. 493/Pdt.Bth/2024/PN Sby
Perkara PT Tata Pesona Indonesia dan Firman Handoko (Tergugat) Dalam proses di Pengadilan Negeri Belum ada Belum ada
di Pengadilan Negeri Denpasar No. 1074/Pdt.Bth/2024/PN Dps Denpasar
Case of PT Tata Pesona Indonesia and Firman Handoko (Defendants) In process at Denpasar District None yet None yet
at Denpasar District Court No. 1074/Pdt.Bth/2024/PN Dps Court
Perkara PT Tata Pesona Indonesia dan Firman Handoko (Tergugat) Berkekuatan Hukum Tetap Tidak ada Tidak ada
di Pengadilan Negeri Denpasar No. 954/Pdt.G/2023/PN Dps
Case of PT Tata Pesona Indonesia and Firman Handoko (Defendants) Permanent Legal Force None None
at Denpasar District Court No. 954/Pdt.G/2023/PN Dps
Sanksi Administratif Tahun 2024
Administrative Sanctions in 2024
Sepanjang tahun 2024, Dewan Komisaris dan Direksi yang sedang Throughout 2024, the current Board of Commissioners and Board
menjabat tidak menerima sanksi administratif dalam bentuk apa of Directors did not receive any administrative sanctions. However,
pun. Namun, Bank Victoria menerima sanksi finansial dari Bank Bank Victoria received financial sanctions from Bank Indonesia, the
Indonesia, Otoritas Jasa Keuangan, dan Bursa Efek Indonesia Financial Services Authority, and Indonesia Stock Exchange totaling
dengan total sebesar Rp29.969.000,-. Rp29,969,000.
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Program Anti-Pencucian Uang, Pencegahan
Pendanaan Terorisme, dan Pencegahan Pendanaan
Proliferasi Senjata Pemusnah Massal [POJK F.1]
Anti-Money Laundering, Counter-Terrorist Financing,
and Counter-Proliferation Financing of Weapons of
Mass Destruction Program
Penerapan program Anti-Pencucian Uang, Pencegahan Pendanaan The implementation of Anti-Money Laundering, Counter-Terrorist
Terorisme, dan Pencegahan Pendanaan Proliferasi Senjata Financing, and Counter-Proliferation Financing of Weapons of Mass
Pemusnah Massal (APU, PPT, dan PPPSPM) merupakan kewajiban Destruction (AML, CTF, and CPF) programs is an obligation for all
bagi seluruh pihak untuk menjalankannya, terutama bagi Bank parties to carry out, particularly for the Bank as a financial service
sebagai penyedia jasa keuangan. Hal ini menjadi wajib dilakukan provider. This is mandatory for the Bank due to the increasingly
oleh Bank mengingat modus yang dilakukan pelaku semakin varied modes used by perpetrators in utilizing the Bank as a means
variatif dalam memanfaatkan Bank sebagai sarana Tindak Pidana of Money Laundering (TPPU), Terrorist Financing (TPPT), and
Pencucian Uang (TPPU), Tindak Pidana Pendanaan Terorisme Proliferation of Weapons of Mass Destruction Financing (PPSPM).
(TPPT) dan Pendanaan Proliferasi Senjata Pemusnah Massal The Bank has implemented AML, CTF, and CPF programs through
(PPSPM). Bank telah menjalankan program APU, PPT, dan PPPSPM risk-based approach and has reported to the Financial Transaction
melalui pendekatan berbasis risiko serta melakukan pelaporan Reports and Analysis Center (PPATK) as the Financial Intelligence
kepada Pusat Pelaporan dan Analisis Transaksi Keuangan (PPATK) Unit (FIU).
sebagai Financial Intelligence Unit (FIU).
Langkah yang diambil Bank dalam menjalankan program APU, PPT, Measures taken by the Bank in implementing AML, CTF, and CPF
dan PPPSPM diuraikan sebagai berikut: programs are described as follows:
1. Pengawasan Aktif Direksi dan Dewan Komisaris terhadap 1. Active Supervision by the Board of Directors and the Board of
Program APU, PPT, dan PPPSPM Direksi Bank memastikan Commissioners of the AML, CTF, and CPF programs. The Bank’s
efektivitas penerapan Prinsip APU, PPT, dan PPPSPM melalui: Board of Directors ensures the effective implementation of the
AML, CTF, and CPF principles through the following measures:
a. Mengusulkan kebijakan dan prosedur tertulis mengenai a. Proposing written policies and procedures for the
penerapan program APU, PPT, dan PPPSPM kepada Dewan implementation of the AML, CTF, and CPF programs to the
Komisaris; Board of Commissioners;
b. Memastikan penerapan program APU, PPT, dan PPPSPM b. Ensuring that the implementation of the AML, CTF, and CPF
dilaksanakan sesuai dengan kebijakan dan prosedur tertulis programs is carried out in accordance with the established
yang telah ditetapkan; written policies and procedures;
c. Membentuk unit kerja khusus dan/atau menunjuk pejabat c. Establishing a specialized work unit and/or appointing
yang bertanggung jawab terhadap penerapan program officials in charge of the implementation of the AML, CTF,
APU, PPT, dan PPPSPM; and CPF programs;
d. Melakukan pengawasan atas kepatuhan unit kerja dalam d. Supervising the compliance of work units in implementing
menerapkan program APU, PPT, dan PPPSPM; the AML, CTF, and CPF programs;
e. Memastikan bahwa kebijakan dan prosedur tertulis mengenai e. Ensuring that the written policies and procedures for the
penerapan program APU, PPT, dan PPPSPM sejalan dengan implementation of the AML, CTF, and CPF programs align
perubahan dan pengembangan produk, jasa, dan teknologi with changes and developments in products, services, and
di sektor jasa keuangan serta sesuai dengan perkembangan technology in the financial services sector, as well as with
modus TPPU, TPPT, dan/atau PPSPM; the evolving modes of TPPU, TPPT, and/or PPSPM;
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Tata Kelola Perusahaan
Good Corporate Governance
f. Memastikan pejabat dan/atau pegawai, khususnya pegawai f. Ensuring that officials and/or employees, especially
dari satuan kerja terkait dan pegawai baru, telah mengikuti those from relevant work units and new employees, have
pelatihan yang berkaitan dengan penerapan program APU, attended training related to the implementation of the
PPT, dan PPPSPM sebanyak 1 (satu) kali dalam 1 (satu) AML, CTF, and CPF programs at least once a year; and
tahun; dan
g. Memastikan adanya pembahasan terkait penerapan g. Ensuring that discussions related to the implementation of
program APU, PPT, dan PPPSPM dalam rapat Direksi. the AML, CTF, and CPF programs are included in the Board
of Directors’ meetings.
Dewan Komisaris bertanggung jawab untuk: The Board of Commissioners is responsible for:
a. Memastikan Bank memiliki kebijakan dan prosedur a. Ensuring that the Bank has policies and procedures for
penerapan program APU, PPT, dan PPPSPM; implementing AML, CTF, and CPF programs;
b. Memberikan persetujuan atas kebijakan dan prosedur b. Approving the policies and procedures for implementing
penerapan program APU, PPT, dan PPPSPM yang diusulkan the AML, CTF, and CPF programs proposed by the Board of
oleh Direksi; Directors;
c. Melakukan evaluasi atas kebijakan dan prosedur Penerapan c. Evaluating the policies and procedures for implementing
Program APU, PPT, dan PPPSPM; the AML, CTF, and CPF programs;
d. Melakukan pengawasan atas pelaksanaan tanggung d. Supervising the execution of the Board of Directors’
jawab Direksi terhadap penerapan program APU, PPT, dan responsibilities regarding the implementation of the AML,
PPPSPM; dan CTF, and CPF programs; and
e. Memastikan adanya pembahasan terkait penerapan e. Ensuring that discussions related to the implementation of
program APU, PPT, dan PPPSPM dalam rapat Direksi dan the AML, CTF, and CPF programs are included in the Board
Dewan Komisaris. of Directors and Board of Commissioners meetings.
2. Kebijakan dan prosedur penerapan program APU, PPT, dan 2. Policies and procedures for the implementation of AML, CTF,
PPPSPM and CPF programs
Bank telah memiliki kebijakan dan prosedur yang sejalan dan The Bank has established policies and procedures that align
sesuai dengan peraturan perundang-undangan dan best with laws and regulations and best practices, which include:
practices, antara lain mencakup:
a. Uji tuntas nasabah/Customer Due Diligence (CDD) a. Customer Due Diligence (CDD) and/or Enhanced Due
dan/atau uji lanjut nasabah/Enhance Due Diligence (EDD) Diligence (EDD) for prospective customers, customers,
terhadap calon nasabah, nasabah, conductor dan Walk conductors and Walk-in Customers (WIC), Beneficial
in Customer (WIC), Beneficial Owner (BO), dan Politically Owner (BO), and Politically Exposed Persons (PEP);
Exposed Person (PEP);
b. Penghentian sementara transaksi dan penundaan transaksi; b. Temporary Suspension and delay of transactions;
c. Penolakan transaksi dan penutupan hubungan usaha; c. Rejection of transactions and termination of business
relationships;
d. Pengelolaan risiko pencucian uang dan/atau pendanaan d. Management of money laundering and/or terrorist
terorisme berdasarkan pendekatan berbasis risiko (risk-based financing risks based on a risk-based approach concerning
approach) terkait nasabah, negara/area geografis, produk, jasa customers, geographical areas/countries, products,
dan transaksi, serta jaringan distribusi (delivery channels); services and transactions, as well as delivery channels;
e. Pemantauan dan penginian; e. Monitoring and updating;
f. Cross border correspondent banking; f. Cross-border correspondent banking;
g. Transfer dana; g. Fund transfers;
h. Penatausahaan dokumen; dan h. Document administration; and
i. Pelaporan dan sanksi. i. Reporting and sanctions.
3. Pengendalian internal yang efektif dalam penerapan APU, PPT, 3. Effective internal control in the implementation of AML, CTF,
dan PPPSPM, antara lain dilakukan dengan: and CPF programs is achieved through the following measures:
a. Memiliki kebijakan dan prosedur APU, PPT, dan PPPSPM a. Establishing appropriate AML, CTF, and CPF policies and
serta pemantauan internal yang tepat; procedures, as well as proper internal monitoring;
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b. Adanya batasan wewenang dan tanggung jawab yang jelas b. Establishing clear limitations of authority and responsibility
terhadap satuan kerja terkait dengan penerapan program for the work units involved in the implementation of the AML,
APU, PPT, dan PPPSPM, baik melalui first line of defense, CTF, and CPF programs, whether through the first line of
second line of defense, maupun third line of defense; dan defense, second line of defense, or third line of defense; and
c. Melakukan pemeriksaan untuk memastikan efektivitas c. Conducting audits to ensure the effective implementation
pelaksanaan program APU, PPT, dan PPPSPM oleh SKAI. of the AML, CTF, and CPF programs. The audits are
conducted by SKAI.
4. Sistem informasi manajemen 4. Management information system
Untuk mengoptimalkan pemantauan transaksi dalam To optimize transaction monitoring in the implementation
pelaksanaan program APU, PPT, dan PPPSPM, Bank secara of AML, CTF, and CPF programs, the Bank is continuously
berkelanjutan mengembangkan teknologi sistem informasi, developing its information system technology by, among others:
antara lain:
a. Melakukan penyempurnaan sistem dan aplikasi pendukung a. Refining the system and supporting applications for Cash
untuk Laporan Transaksi Keuangan Tunai, Laporan Financial Transaction Reports, International Fund Transfer
Transfer Dana dari dan ke Luar Negeri, Laporan Transaksi Reports, Suspicious Financial Transaction Reports, Filtering
Keuangan Mencurigakan, Filtering and Screening Terrorist and Screening Terrorist (DTTOT List), PEP Screening
(DTTOT List), PEP Screening Detection dan Customer Detection, and Customer Due Diligence (CDD) Risk Scoring
Due Diligence (CDD) Risk Scoring dalam suatu sistem within a system called SmartAML. SmartAML is used to
yaitu SmartAML. SmartAML digunakan untuk mendukung support the optimal implementation of the “know your
pelaksanaan know your customer yang lebih optimal, customer” process, particularly in detecting/monitoring
khususnya dalam pendeteksian/pemantauan transaksi customer transactions that exhibit patterns of money
nasabah yang memiliki pola perilaku dan pola transaksi laundering, terrorist financing, and proliferation of weapons
pencucian uang dan pendanaan terorisme, serta of mass destruction financing behavior;
pendanaan proliferasi senjata pemusnah massal;
b. Mengembangkan aplikasi Sistem Terduga Pendanaan b. Developing PPATK’s Suspected Terrorism Financing
Terorisme (SIPENDAR) PPATK; dan Information System (SIPENDAR) application; and
c. Mengembangkan aplikasi Sistem Informasi Pengguna Jasa c. Developing PPATK’s Integrated Service User Information
Terpadu (SIPESAT) PPATK. System (SIPESAT) application.
5. Sumber daya manusia dan pelatihan 5. Human resources and training
Bank menyelenggarakan program pelatihan yang The Bank organizes regular and continuous training programs
berkesinambungan dan berkala paling sedikit 1 (satu) kali at least once a year to ensure that its human resources are
dalam 1 (satu) tahun untuk memastikan sumber daya manusia adequately knowledgeable, especially in relation to AML,
memiliki pengetahuan yang memadai, terutama terkait APU, CTF, and CPF. The training covers the application of relevant
PPT, dan PPPSPM. Pelatihan mencakup penerapan peraturan laws and regulations, typologies of money laundering and
perundang-undangan terkait, tipologi pencucian uang dan terrorist financing, as well as internal policies and procedures
pendanaan terorisme, serta kebijakan dan prosedur internal of the AML, CTF, and CPF programs, along with the roles and
program APU, PPT, dan PPPSPM beserta peran serta tanggung responsibilities of employees in preventing money laundering,
jawab karyawan dalam pencegahan pencucian uang, pendanaan terrorist financing, and financing the proliferation of weapons of
terorisme, dan pendanaan proliferasi senjata pemusnah massal. mass destruction.
Pada tahun 2024, Bank melakukan penguatan program APU, PPT, In 2024, the Bank strengthened the AML, CTF, and CPF programs
dan PPPSPM untuk memitigasi risiko terjadinya TPPU, TPPT, dan to mitigate the risk of TPPU, TPPT, and TPPPSPM by enhancing
TPPPSPM melalui peningkatan kompetensi sumber daya manusia the competence of human resources, conducting training, and
dan pelatihan serta forum group discussion. Selain itu, keandalan organizing group discussion forums. Furthermore, the reliability
sistem pendukung penerapan program APU, PPT, dan PPPSPM of the system supporting the implementation of the AML, CTF,
dilakukan melalui sistem SmartAML. Bank juga terus melakukan and CPF programs was ensured through the SmartAML system.
enhancement sistem melalui adopsi teknologi baru yang fleksibel The Bank also continuously enhances the system by adopting new,
dan sejalan dengan aktivitas transaksi keuangan digital dan flexible technology that aligns with digital financial transaction
perkembangan Bank terkini. activities and the latest developments in the Bank.
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Good Corporate Governance
Financial Integrity Rating on Money Financial Integrity Rating on
Laundering/Terrorism Financing Money Laundering/Terrorist Financing
Financial Integrity Rating on Money Laundering and Terrorism The Financial Integrity Rating on Money Laundering and Terrorist
Financing (FIR on ML/TF) merupakan penilaian terhadap integritas Financing (FIR on ML/TF) is an assessment of the integrity and
dan efektivitas pihak pelapor dalam menjalankan program APU effectiveness of the reporting party in implementing AML and
dan PPT, khususnya dari aspek kinerja pelaporan APU, PPT, dan CTF programs, particularly from the aspect of AML, CTF, and CPF
PPPSPM. Pengukuran nilai FIR on ML/TF dilakukan terhadap 3 (tiga) reporting performance. The FIR on ML/TF value is measured across
dimensi, yaitu: 3 (three) dimensions:
1. Dimensi 1 (satu) untuk mengukur tingkat komitmen pihak 1. Dimension 1 (one) measures the commitment level of the
pelapor dalam mendukung PPATK dan aparat penegak hukum reporting party in supporting PPATK and law enforcement
dalam penelusuran transaksi keuangan terkait indikasi TPPU agencies in tracing financial transactions related to indications
dan TPPT; of TPPU and TPPT;
2. Dimensi 2 (dua) untuk mengukur tingkat implementasi tata 2. Dimension 2 (two) measures the level of implementation of AML
kelola pelaporan APU dan PPT yang dilakukan oleh pihak and CTF reporting governance carried out by the reporting
pelapor sesuai dengan ketentuan Lembaga Pengawas dan party in accordance with the provisions of the Supervisory and
Pengatur (LPP) dan pedoman pelaporan dari PPATK; dan Regulatory Bodies (LPP) and PPATK reporting guidelines; and
3. Dimensi 3 (tiga) untuk mengukur tingkat kepatuhan pihak pelapor 3. Dimension 3 (three) measures the compliance level of the
terhadap kewajiban pelaporan APU dan PPT kepada PPATK serta reporting party with the obligation to report AML and CTF to
kualitas formal dan material atas keseluruhan laporan yang telah PPATK and the formal and material quality of the overall reports
disampaikan sesuai dengan peraturan PPATK. submitted in accordance with PPATK regulations.
Hasil FIR on ML/TF menjadi tolok ukur bagi PPATK dan LPP dalam The FIR on ML/TF results serves as a benchmark for PPATK and LPP
merumuskan langkah-langkah pembinaan, pengawasan, dan in formulating risk-based development, supervision, and regulation
pengaturan berbasis risiko, khususnya untuk penguatan sistem APU measures, especially for strengthening the AML and CTF systems in
dan PPT di setiap pihak pelapor dan penguatan integritas sistem each reporting party and strengthening the integrity of the national
keuangan secara nasional. financial system.
Nilai FIR on ML/TF yang diperoleh Bank Victoria pada tahun 2024 In 2024, Bank Victoria obtained FIR on ML/TF value of 8.89,
sebesar 8,89 yang dikontribusikan oleh dimensi 1 (satu) sebesar contributed by dimension 1 (one) at 9.73, dimension 2 (two) at
9,73, dimensi 2 (dua) sebesar 8,89, dan dimensi 3 (tiga) sebesar 8.89, and dimension 3 (three) at 8.54. This achievement indicates
8,54. Hal ini menunjukkan bahwa tingkat komitmen Bank Victoria that Bank Victoria’s commitment level in supporting PPATK and
dalam mendukung PPATK dan aparat penegak hukum untuk law enforcement agencies to trace financial transactions related
melakukan penelusuran transaksi keuangan terkait indikasi TPPU to TPPU and TPPT indications, the level of implementation of AML
dan TPPT, tingkat implementasi tata kelola pelaporan APU dan PPT and CTF reporting governance in accordance with LPP provisions
sesuai ketentuan LPP dan pedoman pelaporan PPATK, tingkat and PPATK reporting guidelines, the compliance level with the
kepatuhan terhadap kewajiban pelaporan APU dan PPT kepada obligation to report AML and CTF to PPATK, and the quality of the
PPATK, serta kualitas laporan yang disampaikan masuk pada reports submitted are in the Very Good category.
kategori Sangat Baik.
Pemberian Dana Kegiatan Politik [POJK F.1]
Provision of Funds for Political Activities
Bank berkomitmen untuk tidak memberikan dana kepada kegiatan The Bank is committed not to providing funds for political activities,
politik, sebagaimana diatur dalam Kode Etik. Meskipun demikian, as stipulated in the Code of Conduct. Nevertheless, employees are
karyawan tetap diberikan kebebasan untuk menyalurkan aspirasi still given the freedom to channel their political aspirations with
politiknya dengan batasan-batasan tertentu guna mencegah certain limitations to prevent conflicts of interest. This policy aims
benturan kepentingan. Kebijakan ini bertujuan menjaga to maintain the independence and professionalism of the Bank and
independensi dan profesionalisme Bank serta seluruh karyawan. all of its employees.
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Persaingan Usaha yang Sehat [POJK F.1]
Fair Business Competition
Dalam kegiatan operasional, Bank Victoria menjunjung tinggi In its operational activities, Bank Victoria upholds ethical and moral
nilai-nilai etika dan moral, terutama dalam menjaga persaingan usaha values, particularly in maintaining healthy business competition.
yang sehat. Bank memastikan kepatuhan terhadap Undang-Undang The Bank ensures its compliance with Anti-Monopoly Law, conducts
Anti-Monopoli, melakukan riset pasar untuk memahami posisi market research to understand competitors’ position, and focuses
kompetitor, dan berfokus pada peningkatan kualitas produk dan on improving quality products and services. In addition, the Bank
layanan. Selain itu, Bank melindungi kepentingan nasabah dari praktik protects customer interests from unfair business practices. In terms
bisnis yang tidak adil. Dalam hal Hak Kekayaan Intelektual (HAKI), of Intellectual Property Rights (IPR), the Bank encourages all levels
Bank mendorong seluruh jajaran manajemen dan karyawan untuk of management and employees to respect the work of other parties,
menghargai karya pihak lain, berkontribusi aktif dalam pengembangan actively gives contribution to the development of the Bank’s
produk dan proses Bank, serta melindungi HAKI milik Bank. products and processes, and protects the Bank’s IPR.
Kode Etik [POJK F.1] [G-07]
Code of Conduct
Bank senantiasa menjunjung tinggi integritas dengan memiliki The Bank consistently upholds its integrity by having and
dan menjalankan pedoman tata cara perilaku yaitu Kode Etik yang implementing behavioral guidelines, namely the Code of
ditetapkan melalui Keputusan Direksi No. 024A/SK-DIR/02/23 Conduct, stipulated through the Board of Directors’ Decision
tanggal 24 Februari 2023. Kode Etik menjadi dasar sikap dan tindakan No. 024A/SK-DIR/02/23 dated 24 February 2023. The Code of
karyawan agar bekerja secara profesional dan beretika dengan Conduct serves as the basis for employees’ attitudes and actions
menggunakan prinsip- prinsip dasar yang mengacu kepada Visi, Misi, to work professionally and ethically by using basic principles that
dan Nilai-Nilai Bank serta regulasi internal dan eksternal yang berlaku. refer to the Bank’s Vision, Mission, and Values, as well as applicable
internal and external regulations.
Pokok Isi Kode Etik Principles of Code of Conduct
Kode Etik Bank Victoria memuat pokok-pokok etika sebagai berikut: The Code of Conduct of Bank Victoria sets out ethical principles
as follows:
1. Standar Etika Bisnis 1. Standard Business Ethics
a. Etika Bank dengan karyawan; a. Bank’s Ethics with employees;
b. Etika Bank dengan nasabah; b. Bank’s Ethics with customers;
c. Etika Bank dengan penyedia barang dan jasa (evaluasi c. Bank’s Ethics with provider of goods and services (objective
yang objektif dalam pengadaan perlengkapan dan evaluation in the procurement of the Bank’s equipment
peralatan Bank); and tools);
d. Etika Bank dengan pesaing; d. Bank’s Ethics with competitors;
e. Etika Bank dengan pemerintah; e. Bank’s Ethics with the government;
f. Etika Bank dengan masyarakat; f. Bank’s Ethics with the communities;
g. Etika Bank dengan media massa; dan g. Bank’s Ethics with mass media; and
h. Etika Bank dengan organisasi profesi. h. Bank’s Ethics with professional organizations.
2. Standar Perilaku Karyawan 2. Standard Code of Conduct
a. Tuntunan perilaku karyawan; a. Employee behavior guidelines;
b. Penanganan benturan kepentingan; b. Management of conflict of interest;
c. Pedoman pemberian dan penerimaan hadiah dan donasi; c. Guidelines for giving and receiving gifts and donations;
d. Pedoman kepatuhan terhadap peraturan; d. Regulatory compliance guidelines;
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e. Pedoman menjaga kerahasiaan data dan informasi e. Guidelines for maintaining confidentiality of company data
perusahaan; and information;
f. Pedoman aktivitas politik; dan f. Political activity guidelines; and
g. Pedoman pelaporan atas pelanggaran dan perlindungan g. Guidelines for reporting violations and protection of
pelapor. whistleblower.
Komitmen Kepatuhan Terhadap Kode Etik Commitment to Complying with
Code of Conduct
Kode Etik Bank berlaku bagi seluruh karyawan Bank termasuk The Bank’s Code of Conduct is applied to all Bank employees,
Dewan Komisaris, Direksi, dan Pejabat Eksekutif. Seluruh including the Board of Commissioners, Board of Directors, and
karyawan diwajibkan untuk mempelajari dan memahami dengan Executive Officers. All employees are required to study and
sungguh-sungguh isi Kode Etik serta menandatangani Surat seriously understand the contents of the Code of Conduct and sign
Pernyataan yang dimuat pada halaman akhir Kode Etik. a Statement Letter set out in the final page of the Code of Conduct.
Penyebarluasan dan Sosialisasi Kode Etik Circulation and Dissemination of
Code of Conduct
Bank terus berupaya untuk menyebarluaskan dan menyosialisasikan The Bank strives to circulate and disseminate the Code of Conduct to
Kode Etik kepada seluruh karyawan melalui berbagai metode. all employees through various methods. First, the Code of Conduct
Pertama, Kode Etik disampaikan kepada karyawan melalui media is delivered to employees through internal media accessible at
internal yang dapat diakses kapan saja, sehingga karyawan dapat any time, so that employees can refer to it at any time. Second, the
merujuknya setiap saat. Kedua, Bank secara berkala menyampaikan Bank periodically delivers business ethics through memos or letters
etika bisnis melalui memo atau surat yang diterbitkan oleh Direksi issued by the Board of Directors or related Divisions. Third, each
atau Divisi terkait. Ketiga, setiap karyawan menerima buku saku employee receives the Code of Conduct pocket book that must
Kode Etik yang harus dipelajari dan diterapkan dalam keseharian. be studied and applied in daily life. Finally, the implementation of
Terakhir, penerapan Kode Etik terus diingatkan melalui pelatihan, the Code of Conduct is continuously reminded through training,
induksi bagi karyawan baru, serta forum pelatihan yang melibatkan induction for new employees, and training forums involving external
pihak eksternal. parties.
Upaya Penerapan dan Penegakan Kode Etik Efforts to Implement and Enforce
Code of Conduct
Penerapan dan Penegakan secara Organisasi Organizational Implementation and Enforcement
1. Dewan Komisaris dibantu oleh Komite Remunerasi dan Nominasi 1. The Board of Commissioners, supported by the Remuneration
bertanggung jawab atas dipatuhinya Kode Etik di lingkungan and Nomination Committee, is responsible for the compliance
Bank; of the Code of Conduct within the Bank;
2. Direksi dibantu oleh Divisi Human Capital Management & 2. The Board of Directors, assisted by the Human Capital
General Affair bertanggung jawab atas penerapan Kode Etik Management & General Affair Division, is responsible for the
di lingkungan Bank; implementation of Code of Conduct within the Bank;
3. Kepala Divisi, Manajer, dan setingkat Manajer bertanggung 3. The Head of Division, Manager, and managerial levels are
jawab atas penerapan Kode Etik di lingkungan Divisi/Unit Kerja responsible for the implementation of Code of Conduct in their
masing-masing; respective Division/Unit;
4. Direksi menunjuk Kepala Divisi Human Capital Management & 4. The Board of Directors appoints Head of Human Capital
General Affair beserta jajarannya yang bertanggung jawab untuk Management & General Affair Division including its personnel
melaporkan pelanggaran terhadap pelaksanaan Kode Etik; dan to be the whistleblower in any violation against the Code of
Conduct; and
5. Setiap karyawan wajib membaca Kode Etik melalui intranet 5. It is mandatory for each and every employee to read the Code
dan menandatangani formulir pernyataan bahwa yang of Conduct through intranet and sign the statement letter to
bersangkutan telah membaca, memahami, dan setuju untuk declare that the respective person has read, understood, and
mematuhi Kode Etik yang didokumentasikan oleh Divisi Human agreed to comply with the Code of Conduct, which thereafter
Capital Management & General Affair. documented by the Human Capital Management & General
Affair Division.
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Penegakan Pedoman Kode Etik Enforcement of Code of Conduct
1. Setiap karyawan Bank harus melaporkan setiap fakta 1. Each of the Bank’s employee must report each fact of violation
penyimpangan Pedoman Kode Etik Perilaku Karyawan kepada against Employee’s Code of Conduct to the Human Capital
Divisi Human Capital Management & General Affair dan Management & General Affair Division and the identity of
identitas pelapor akan dilindungi; the whistleblower will be protected;
2. Divisi Human Capital Management & General Affair 2. Human Capital Management & General Affair Division will
menindaklanjuti setiap laporan dan menyampaikan hasil follow up each report to and submit the assessment result to
kajiannya kepada Direksi dan/atau Dewan Komisaris sesuai the Board of Directors and/or Board of Commissioners
dengan lingkup tanggung jawabnya. Penanganan tindakan according to the scope of responsibility. Such violation against
penyimpangan terhadap Pedoman Kode Etik Perilaku Karyawan Employee’s Code of Conduct will be handled by indepth
dilakukan melalui penyelidikan yang mendalam dan didasari investigation based on accountable facts;
fakta-fakta yang dapat dipertanggungjawabkan;
3. Direksi dan Dewan Komisaris memutuskan tindakan pembinaan, 3. The Board of Directors and Board of Commissioners will decide
sanksi disiplin dan/atau tindakan perbaikan serta pencegahan on a directional action, disciplinary sanction and/or correctional
yang harus dilaksanakan oleh atasan langsung di lingkungan action and to come up with prevention to be implemented by
masing-masing; the direct supervisor in the respective scope;
4. Pemberian sanksi bagi pelaku penyimpangan Pedoman Kode 4. The imposition of sanction for the party violating the Employee’s
Etik Perilaku Karyawan; dan Code of Conduct; and
5. Bank memiliki pertimbangan dan hak apabila karyawan 5. The Bank maintains its discretion and right, in the event
melanggar Kode Etik/Peraturan Perusahaan/sistem prosedur an employee violates the Code of Conduct/Company
dengan memberikan langsung surat peringatan ketiga kepada Regulations/procedures, by directly giving third warning letter
karyawan yang dinilai melakukan penyimpangan berat tanpa to the relevant employee who is deemed of conducting serious
perlu surat peringatan pertama dan surat peringatan kedua. violation without first giving first and second warning letter.
Bentuk Pelanggaran dan Jenis Sanksi Forms and Types of Sanction
Pelanggaran atau ketidakpatuhan terhadap Kode Etik akan Violation or non-compliance with the Code of Conduct will be
dikenakan sanksi yang disesuaikan dengan tingkat pelanggarannya. subject to sanctions adjusted to the violation level. Each sanction
Setiap sanksi akan dipertimbangkan berdasarkan jenis dan keseriusan will be considered based on the type and seriousness of violation,
pelanggaran, serta evaluasi terhadap individu yang melanggar. as well as evaluation of the individual committed the violation.
Untuk pelanggaran ringan, sanksi dapat dimulai dari teguran lisan For minor violation, sanction can start from a verbal warning to
hingga surat peringatan pertama pada pelanggaran pertama. first warning letter for the first violation. If the violation continues,
Jika pelanggaran berlanjut, sanksi dapat ditingkatkan hingga surat sanction can be increased to third warning letter, and in case of
peringatan ketiga, dan dalam kasus pelanggaran berulang yang serious repeated violation, it can even lead to resignation.
serius, bahkan dapat berujung pada pengunduran diri.
Pada pelanggaran sedang, sanksi dimulai dari surat peringatan For moderate violation, sanction starts from first warning letter, with
pertama, dengan kemungkinan peningkatan hingga surat peringatan the possibility of increasing to second warning letter. If the violation
kedua. Jika pelanggaran kembali terjadi, sanksi maksimal yang dapat occurs again, the maximum sanction to be given is resignation.
diberikan adalah pengunduran diri. Sementara itu, pelanggaran Meanwhile, severe violation has more serious consequences. For
berat memiliki konsekuensi yang lebih serius. Pada pelanggaran first violation, the sanction imposed can be in form of suspending
pertama, sanksi yang diberikan bisa berupa penghentian kenaikan salary increase, to strict action in form of resignation.
gaji, hingga tindakan tegas berupa pengunduran diri.
Setiap sanksi yang diberikan kepada karyawan disesuaikan dengan Every sanction imposed to employee is adjusted to the applicable
aturan kepegawaian yang berlaku. Untuk Dewan Komisaris dan personnel regulations. For the Board of Commissioners and Board of
Direksi, pemberian sanksi mengacu pada ketentuan dalam Anggaran Directors, the imposition of sanctions refers to the provisions in the
Dasar Bank serta keputusan RUPS. Bank’s Articles of Association and the resolutions of GMS.
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Laporan Penyimpangan Internal Tahun 2024
Internal Deviation Report in 2024
Bentuk Pelanggaran Surat Peringatan Surat Teguran
Forms Violation Warning Letter Reprimand Letter
Ringan
16 23
Minor
Sedang
2 -
Moderate
Berat
- -
Severe
Total 18 23
Trend Kualitas Penerapan Kode Etik Trend on Quality of Code of Conduct
Implementation
Pada tahun 2024, kualitas penerapan Kode Etik berjalan dengan In 2024, the quality of Code of Conduct implementation ran
baik serta karyawan Bank mematuhi seluruh peraturan yang properly and the Bank’s employees complied with all regulations
tercantum dalam Kode Etik. stated in the Code of Conduct.
Program Kepemilikan Saham oleh
Manajemen dan Karyawan
Management/Employee Stock Ownership Program
Hingga tahun 2024, Bank belum melaksanakan program kepemilikan Until 2024, the Bank did not conduct management stock ownership
saham oleh manajemen (MSOP) dan/atau program kepemilikan program (MSOP) and/or employee stock ownership program (ESOP).
saham oleh karyawan (ESOP).
Kebijakan Pengungkapan Informasi
Information Disclosure Policy
Sesuai dengan Peraturan Otoritas Jasa Keuangan No. 4 Tahun 2024 Pursuant to the Financial Services Authority Regulation No. 4 of
tentang Laporan Kepemilikan atau Setiap Perubahan Kepemilikan 2024 on Shareholding Report or Each Change on Public Companies
Saham Perusahaan Terbuka, anggota Dewan Komisaris dan Shareholding, members of the Board of Commissioners and Board
Direksi wajib melaporkan kepada Otoritas Jasa Keuangan setiap of Directors are required to submit report to the Financial Services
kepemilikan atau perubahan kepemilikan saham pada perusahaan Authority regarding their shareholding and changes on shareholding
terbuka, baik secara langsung maupun tidak langsung. Laporan in the public company, either directly or indirectly. Such report must
tersebut harus disampaikan paling lambat 5 (lima) hari kalender be submitted no later than 5 (five) calendar days after shareholding
setelah kepemilikan atau perubahan terjadi, sebagaimana diatur or changes occur, as stipulated in the latest provisions.
dalam ketentuan terbaru.
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Selain itu, anggota Dewan Komisaris dan Direksi juga diwajibkan In addition, members of the Board of Commissioners and Board
menyampaikan informasi terkait kepemilikan atau perubahan of Directors are also required to submit information regarding
kepemilikan saham kepada perusahaan terbuka. Informasi ini harus shareholding or changes on shareholding to the public company.
diterima oleh Bank paling lambat 3 (tiga) hari kerja setelah terjadinya This information must be received by the Bank no later than
kepemilikan atau perubahan tersebut. 3 (three) working days after the shareholding or changes occur.
Dalam praktik di Bank, anggota Dewan Komisaris dan Direksi In practice at the Bank, members of the Board of Commissioners and
melaporkan kepemilikan saham mereka kepada Sekretaris Perusahaan Board of Directors report their shareholding to Corporate Secretary
sesuai batas waktu yang telah ditentukan. Kebijakan mengenai according to the specified deadline. The policy on obligation to
kewajiban pelaporan kepemilikan dan perubahan kepemilikan saham report shareholding and changes on shareholding by members of
oleh anggota Dewan Komisaris dan Direksi diatur dalam kebijakan the Board of Commissioners and Board of Directors is regulated in
internal Bank untuk memastikan kepatuhan terhadap peraturan. the Bank’s internal policy to ensure compliance with regulations.
Pada tahun 2024, Bank telah menyampaikan laporan kepemilikan In 2024, the Bank submitted a report on shareholding of members
saham anggota Dewan Komisaris dan Direksi kepada Otoritas Jasa of Board of Commissioners and Board of Directors to the Financial
Keuangan dan Bursa Efek Indonesia melalui e-reporting. Services Authority and the Indonesia Stock Exchange through
e-reporting.
Adapun informasi kepemilikan saham Dewan Komisaris dan Direksi Information on the Board of Commissioners and Board of Directors’
telah diungkapkan pada bab Profil Perusahaan. shareholding is disclosed in the Company Profile chapter.
Kebijakan Penerapan Strategi Anti-Korupsi
dan Anti-Fraud [POJK F.1] [G-07] [G-08]
Anti-Corruption and Anti-Fraud Strategy Implementation Policy
Di era globalisasi dan digitalisasi yang berkembang pesat, Bank In the era of rapid globalization and digitalization, the Bank faces
menghadapi tantangan yang semakin komplek terkait risiko fraud increasingly complex challenges related to the risk of fraud. Fraud
atau kecurangan. Fraud dapat terjadi dalam berbagai bentuk, can occur in various forms, ranging from abuse of authority, data
mulai dari penyalahgunaan wewenang, manipulasi data, hingga manipulation, to theft of assets. The impact of fraud is not only
pencurian aset. Dampak dari tindakan fraud tidak hanya terbatas limited to financial losses, but also includes reputational damage,
pada kerugian finansial, tetapi juga mencakup kerusakan reputasi, loss of trust from customers and investors, and potential sanctions
hilangnya kepercayaan dari nasabah dan investor, serta potensi from regulators. The policy is stated in the Board of Directors’
sanksi dari regulator. Kebijakan terkait hal tersebut tertuang dalam Decision Letter No. 007/SK-DIR/10/24 dated 16 October 2024 on
Keputusan Direksi No. 007/SK-DIR/10/24 tanggal 16 Oktober 2024 Policy for Implementing Anti-Fraud Strategies.
tentang Kebijakan Penerapan Strategi Anti-Fraud.
Penerapan strategi anti-fraud memiliki tujuan utama untuk The implementation of anti-fraud strategies has the main objective
melindungi integritas, kepercayaan, dan keberlanjutan operasional of protecting the integrity, trust, and sustainability of the Bank’s
Bank. Adapun tujuan dari penerapan strategi anti-fraud antara lain: operations. The objectives of implementing anti-fraud strategies
are among others:
1. Mengurangi kemungkinan terjadinya tindakan fraud melalui 1. Reducing the possibility of fraud by implementing policies and
penerapan kebijakan dan kontrol yang dirancang untuk controls designed to close loopholes that may be exploited for
menutup celah yang bisa dimanfaatkan untuk kecurangan; fraud;
2. Meminimalkan kerugian finansial dan operasional yang dapat 2. Minimizing financial and operational losses that may arise due
timbul akibat fraud, serta mengurangi biaya terkait pemulihan to fraud, and reducing costs related to recovery and litigation
dan litigasi sebagai upaya perbaikan proses untuk mencegah as process improvement efforts to prevent similar incident in
kejadian serupa di masa depan; the future;
3. Mempertahankan dan meningkatkan kepercayaan nasabah, 3. Maintaining and increasing the trust of customers, investors,
investor, dan regulator melalui komitmen yang kuat terhadap and regulators through a strong commitment to preventing and
pencegahan dan penanganan fraud; handling fraud;
4. Memastikan kepatuhan terhadap peraturan dan standar yang 4. Ensuring compliance with regulations and standards set by
ditetapkan oleh regulator seperti Otoritas Jasa Keuangan untuk regulators such as the Financial Services Authority to avoid
menghindari sanksi hukum; dan legal sanctions; and
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5. Meningkatkan kesadaran (awareness) anti-fraud kepada 5. Raising anti-fraud awareness to risk taking unit as an effort to
risk taking unit sebagai upaya pencegahan, mitigasi, dan prevent, mitigate, and minimize fraud that may harm the Bank
meminimalkan fraud yang dapat merugikan Bank secara financially or that may affect the Bank’s overall operational
finansial maupun yang dapat memengaruhi kinerja operasional performance.
Bank secara keseluruhan.
Sosialisasi Kebijakan Penerapan Strategi Dissemination of Anti-Fraud Strategy
Anti-Fraud Implementation Policy
Dalam upaya mendorong pencegahan tindakan fraud, Bank In an effort to encourage the prevention of fraud, the Bank engages
melibatkan seluruh karyawan untuk berperan aktif. Langkah all employees to play active roles. This step is realized through
ini diwujudkan melalui sosialisasi anti-fraud yang dilaksanakan anti-fraud dissemination carried out continuously by using various
secara berkelanjutan menggunakan berbagai kegiatan dan media internal activities and media. In 2024, the Bank held 2 (two)
internal. Pada tahun 2024, Bank telah menyelenggarakan sosialisasi dissemination of anti-fraud strategy implementation in form of
penerapan strategi anti-fraud sebanyak 2 (dua) kali dalam bentuk refreshment on fraud, by engaging employees in various education
refreshment mengenai fraud, dengan melibatkan karyawan dalam and training programs related to anti-fraud.
berbagai program pendidikan dan pelatihan terkait anti-fraud.
Kebijakan Perlakuan Adil Terhadap
Pemegang Saham [G-08]
Policy on Fair Treatment of Shareholders
Seluruh Pemegang Saham Bank, baik minoritas maupun mayoritas, All Shareholders of the Bank, both minority and majority, either
baik domestik dan non-domestik, diperlakukan secara setara. domestic or non-domestic, are treated equally. Fair treatment
Perlakuan adil terhadap Pemegang Saham telah diatur dalam of Shareholders is regulated in the Board of Directors’ Decision
Surat Keputusan Direksi No. 013/SK-DIR/07/24 tanggal 29 Juli 2024 Letter No. 013/SK-DIR/07/24 dated 29 July 2024 on Policy of
perihal Kebijakan Good Corporate Governance (GCG) sesuai Good Corporate Governance (GCG) according to the applicable
dengan ketentuan Otoritas Jasa Keuangan yang berlaku. Informasi provisions of the Financial Services Authority. Information relevant
yang relevan bagi Pemegang Saham dipublikasikan kepada to Shareholders is published to the public through media that
masyarakat melalui media yang mudah diakses Pemegang Saham is easily accessible to Shareholders (the website of the Bank,
(situs web Bank, Bursa Efek Indonesia, dan KSEI) dalam bahasa Indonesia Stock Exchange, and KSEI) in Indonesian and English.
Indonesia dan bahasa Inggris.
Kebijakan Pencegahan Insider Trading [POJK F.1] [G-08]
Policy to Prevent Insider Trading
Kebijakan pencegahan insider trading di Bank telah diatur dalam The policy to prevent insider trading at the Bank is regulated in
Kode Etik. Kebijakan ini menekankan bahwa Dewan Komisaris, the Code of Conduct. This policy emphasizes that the Board of
Direksi, dan seluruh karyawan Bank dilarang mengambil manfaat Commissioners, Board of Directors, and all employees of the Bank
dari pengetahuan yang umumnya tidak tersedia di pasar maupun are prohibited from taking advantage of knowledge generally not
membocorkan rencana-rencana Bank yang belum dipublikasikan available in the market or leaking information to unauthorized
kepada pihak yang tidak berkepentingan. parties regarding the Bank’s plans that are not published yet.
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Whistleblowing System [POJK F.1]
Whistleblowing System
Bank telah membentuk sistem pelaporan pelanggaran (whistleblowing The Bank has established the whistleblowing system (WBS) as
system/WBS) sebagai upaya meningkatkan efektivitas penerapan an effort to increase the effectiveness of fraud control system
sistem pengendalian fraud. Sistem ini berfokus pada pengungkapan implementation. This system focuses on disclosure through
melalui pengaduan atau pelaporan pelanggaran guna mengantisipasi complaints or violation reporting to anticipate any potential fraud
setiap potensi kecurangan serta mendukung penegakan prinsip GCG. and to support the enforcement of GCG principles. The existence
Dengan adanya WBS, diharapkan tercipta lingkungan kerja yang lebih of WBS is expected to create a more transparent, clean, and
transparan, bersih, dan bertanggung jawab. responsible work environment.
Kebijakan Whistleblowing System Whistleblowing System Policy
Kebijakan WBS Bank ditetapkan melalui Keputusan Direksi The Bank’s WBS policy is stipulated through the Board of Directors’
No. 008/SK-DIR/11/24 tanggal 20 November 2024 tentang Standar Decision No. 008/SK-DIR/11/24 dated 20 November 2024 on Standard
Operasional Prosedur Whistleblowing System. Standar operasional Operating Procedures for Whistleblowing System. This standard
prosedur ini mencakup pengaturan terkait struktur pengelolaan WBS, operating procedures include regulations related to WBS management
mekanisme kerja, hingga prosedur pelaporan pelanggaran. Selain itu, structure, work mechanism, and procedures for reporting violation. In
kebijakan WBS Bank menetapkan landasan hukum untuk perlindungan addition, the Bank’s WBS policy establishes legal basis for whistleblower
pelapor, jenis perlindungan yang diberikan, serta proses monitoring dan protection, types of protection provided, and monitoring and review
review terhadap pelaksanaan sistem guna memastikan efektivitasnya. process for system implementation to ensure its effectiveness.
Standar operasional prosedur WBS juga menetapkan pengelola untuk The standard operating procedures for WBS also require the
melaksanakan hal-hal sebagai berikut: managers to carry out the following matters:
1. Melaksanakan program promosi dan sosialisasi secara ekstensif 1. Carry out an extensive and intensive promotion and
dan intensif supaya pelaksanaan prosedur WBS dapat dipahami dissemination program so that the implementation of WBS
dengan benar; procedures can be understood correctly;
2. Menyelenggarakan tata laksana organisasi sedemikian rupa 2. Conduct organizational governance in such a way that the
sehingga laporan pelanggaran yang disampaikan dapat violation report submitted can be handled properly and well
ditangani dengan baik serta terdokumentasi dengan baik, documented, but the confidentiality of the reporter is also
namun kerahasiaan pelapor juga tetap terjamin; guaranteed;
3. Melakukan laporan setiap semester kepada Direksi tentang 3. Conduct a semester report to the Board of Directors on the
pelaksanaan program WBS terkait laporan dugaan pelanggaran, implementation of WBS program on allegedly infringement
meliputi sekurang-kurangnya: reports, which include at least:
a. Apakah prosedur WBS dapat diterapkan dengan baik a. Is the WBS procedure properly implemented and gained
dan mendapatkan sambutan yang positif dari karyawan positive response from employees or other stakeholders?
ataupun para pemangku kepentingan lainnya?
b. Apakah prosedur WBS cukup efektif dalam melakukan deteksi b. Is the WBS procedure effective enough in early detection
dini dan pencegahan penyimpangan ataupun pelanggaran? and prevention of irregularities or offenses?
c. Apakah terdapat suatu pola pelanggaran tertentu yang c. Is there any particular pattern of repeated violations? What
sering berulang? Apakah kira-kira penyebabnya? are the causes?
d. Saran perbaikan untuk meningkatkan efektivitas penerapan d. Suggestions for improvement to increase the effectiveness
WBS dalam mencapai sasaran penciptaan iklim kerja yang of WBS implementation in achieving the objectives of
terbuka, tulus, dan bertanggung jawab. creating an open, sincere, and responsible work climate.
Sosialisasi Kebijakan Whistleblowing System Dissemination of Whistleblowing System Policy
Sosialisasi Internal Internal Dissemination
1. Tim Pengelola WBS secara rutin mengadakan pelatihan untuk 1. The WBS Management Team regularly holds training to increase
meningkatkan kesadaran karyawan terkait WBS; dan employee awareness regarding WBS; and
2. Pengiriman e-mail bulanan kepada karyawan untuk memberikan 2. Sending monthly e-mails to employees to provide education
edukasi dan pengingat tentang kebijakan WBS. and reminders about WBS policy.
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Tata Kelola Perusahaan
Good Corporate Governance
Sosialisasi Eksternal External Dissemination
1. Informasi mengenai kebijakan WBS disampaikan melalui situs 1. Information on WBS policy is presented through the Bank’s
web Bank; website;
2. Penyebaran materi WBS melalui buletin internal dan poster 2. Dissemination of WBS materials through internal bulletins and
yang dipasang di area kerja; dan posters installed in working areas; and
3. Kegiatan sosialisasi etika yang dilakukan kepada pihak eksternal 3. Activities of ethics dissemination carried out to related external
terkait. parties.
Jenis Pelanggaran yang Dapat Dilaporkan Types of Violation that Can Be Reported
Pelanggaran yang dapat dilaporkan kepada Tim WBS mencakup Violations that can be reported to the WBS Team include various
berbagai hal dan permasalahan, namun dibatasi pada tindakan yang matters and problems, but are limited to actions that occur, are
terjadi, dilakukan, atau berkaitan dengan Bank. Berikut beberapa carried out, or are related to the Bank. The following are some types
jenis pelanggaran dan penyimpangan yang dapat dilaporkan of violation and irregularity that can be reported based on this
berdasarkan kebijakan ini, antara lain: policy, including:
1. Seluruh tindakan melanggar hukum pidana (misalnya: pencurian, 1. All actions that violate criminal law (e.g. theft, fraud,
penipuan, penggunaan narkoba, dan lain sebagainya); drug use, etc.);
2. Penyalahgunaan wewenang dalam melayani nasabah, 2. Misuse of authority in serving the customers, debtors,
debitur, vendor atau pemasok lainnya (misalnya: penundaan vendors, or other suppliers (e.g. unwarranted payment delays,
pembayaran tidak beralasan, pemerasan, dan lain sebagainya); extortion, etc.);
3. Pelanggaran peraturan perbankan yang diatur dalam 3. Violation of banking regulations stipulated in Banking Law
Undang-Undang tentang Perbankan (misalnya: tidak melaksanakan (for example: not practicing prudent principles, disclosing
prinsip kehati-hatian, membuka rahasia nasabah kepada yang customers’ confidential information to unauthorized parties,
tidak berhak, melakukan pencatatan yang tidak benar, meminta making incorrect records, asking for money for the banking
uang atas jasa pelayanan perbankan yang dilakukan); services performed);
4. Pelanggaran peraturan perpajakan atau aturan pelaporan 4. Violations of tax regulations or corporate financial reporting
keuangan perusahaan yang tidak sesuai dengan Pernyataan regulations that are not in accordance with the Statement of
Standar Akuntansi Keuangan; Financial Accounting Standards;
5. Perbuatan yang dapat merugikan Bank, baik finansial maupun 5. Acts that may harm the Bank, both financially and non-
non-finansial, termasuk mencederai citra Bank; financially, including harm the Bank’s image;
6. Pelanggaran aturan internal yang dapat menciderai integritas 6. Violations of internal rules that may jeopardize the integrity of
pelaporan perusahaan, baik di bidang keuangan ataupun the corporate reporting, whether in finance or other fields; and
bidang lainnya; dan
7. Perbuatan yang membahayakan keselamatan dan kesehatan kerja. 7. Acts that endanger occupational safety and health.
Cara Penyampaian Laporan Pelanggaran Mechanism to Submit Whistleblowing
dan Pihak yang Mengelola Pelanggaran Report and Party Managing the Violations
Bank Victoria telah menerapkan mekanisme WBS yang Bank Victoria has implemented WBS mechanism that allows
memungkinkan pelapor untuk melaporkan dugaan pelanggaran whistleblower to report suspected violation through various
melalui berbagai saluran komunikasi. Pelapor dapat menyampaikan communication channels. Whistleblower can submit reports in
laporan secara lisan, melalui surat, e-mail, telepon, atau SMS kepada verbal, by letter, e-mail, telephone, or SMS to the Anti-Fraud
Departemen Anti-Fraud dengan rincian sebagai berikut: Department with the following details:
1. Melalui Surat 1. By Mail
Laporan dapat ditujukan kepada Direktur Kepatuhan dan Reports can be addressed to the Director of Compliance and
Manajemen Risiko dan ditembuskan kepada Departemen Risk Management with a copy to the Anti-Fraud Department at
Anti-Fraud di alamat Graha BIP Lantai 10, Jl. Gatot Subroto Kav. 23, Graha BIP 10th Floor Jl. Gatot Subroto Kav. 23, Karet Semanggi,
Karet Semanggi, Setiabudi, Jakarta Selatan, DKI Jakarta 12930. Setiabudi, South Jakarta, DKI Jakarta 12930.
2. Melalui E-mail 2. By E-mail
a. Departemen Anti-Fraud, jika terlapor adalah karyawan, dapat a. Anti-Fraud Department, if the reported party is an employee,
dihubungi melalui e-mail: unitantifraud@victoriabank.co.id. can be contacted via e-mail: unitantifraud@victoriabank.co.id.
b. Direktur Kepatuhan dan Manajemen Risiko, jika terlapor b. Director of Compliance and Risk Management, if the reported
adalah anggota Dewan Komisaris, dapat dihubungi melalui party is member of the Board of Commissioners, can be
e-mail: unitantifrauddireksi@victoriabank.co.id. contacted via e-mail: unitantifrauddireksi@victoriabank.co.id.
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c. Dewan Komisaris, jika terlapor adalah anggota c. The Board of Commissioners, if the reported party is
Direksi, dapat dihubungi melalui e-mail: member of the Board of Directors, can be contacted via
unitantifraudkomisaris@victoriabank.co.id. email: unitantifraudkomisaris@victoriabank.co.id.
3. Melalui Telepon atau SMS 3. By Telephone or SMS
Laporan dapat disampaikan melalui nomor telepon atau SMS Reports can be submitted via telephone number or SMS
ke: 0811 9615 009. to: 0811 9615 009.
Dengan mekanisme ini, Bank Victoria memastikan kemudahan akses With these mechanisms, Bank Victoria ensures easy access for the
bagi pelapor dalam melaporkan pelanggaran. whistleblowers to report violations.
Perlindungan bagi Pelapor Protection for Whistleblower
Bank mendorong setiap pelapor untuk mencantumkan identitas The Bank encourages all whistleblowers to include their identity
guna mempermudah Tim Anti-Fraud dalam melakukan klarifikasi to make it easier for the Anti-Fraud Team to clarify and investigate
serta investigasi terhadap laporan yang diterima. Bank memberikan the reports received. The Bank provides full guarantees for the
jaminan penuh atas kerahasiaan identitas pelapor, yang akan dijaga confidentiality of the whistleblower’s identity, which will remain
oleh Tim Anti-Fraud serta dijamin oleh Dewan Komisaris dan Direksi. confidential by the Anti-Fraud Team, which is guaranteed by the
Informasi minimal yang diperlukan dari pelapor mencakup alamat Board of Commissioners and Board of Directors. The minimum
surat atau e-mail, nomor telepon, atau nomor telepon genggam. information required from the whistleblower is email address, phone
number, or mobile phone number.
Jika pelapor merasa terancam setelah melaporkan dugaan If the whistleblower feels threatened after reporting the alleged
pelanggaran, Bank berkewajiban memberikan perlindungan sebagai violation, the Bank is obligated to provide comprehensive
berikut: protection, as follows:
1. Perlindungan fisik bagi pelapor dan keluarganya; 1. Physical protection for the whistleblower and the family
members;
2. Perlindungan atas harta benda pelapor dan keluarganya 2. Protection for the whistleblower’s and family member’s
terhadap ancaman, teror, atau tindakan balas dendam; properties against threat, terror, or acts of revenge;
3. Perlindungan administratif, termasuk pencegahan terhadap 3. Administrative protection, including prevention of suspension
penundaan kenaikan pangkat, pemecatan, pengucilan di tempat in promotion, dismissal, expulsion at work, unfair transfer, and
kerja, mutasi yang tidak adil, serta jaminan keamanan kerja; dan position security assurance; and
4. Perlindungan hukum dalam proses litigasi di Pengadilan Negeri, 4. Legal protection in the litigation process in the District Court,
termasuk biaya hukum yang ditanggung, dan jika diperlukan, including legal costs borne, and if necessary, additional
perlindungan tambahan melalui Lembaga Perlindungan Saksi protection through Witness and Victim Protection Agency.
dan Korban.
Dengan perlindungan ini, Bank Victoria berkomitmen untuk With this protection, Bank Victoria is committed to ensuring
memastikan keamanan dan keselamatan pelapor dalam menjalankan whistleblowers’ security and safety in carrying out their role as
perannya sebagai pihak yang berani mengungkapkan tindakan parties who dare to reveal acts of violation.
pelanggaran.
Penanganan Pengaduan Complaint Handling
Prosedur penanganan pengaduan, baik berupa keluhan, laporan, The complaint handling procedure, either in the form of complaints,
maupun informasi terkait tindakan tindakan yang diduga dapat reports, or information related to actions alleged of having an
berdampak pada fraud, dilakukan melalui prosedur sebagai berikut: impact on fraud, is carried out through the following procedures:
1. Jika laporan yang diterima terindikasi pelanggaran fraud, maka 1. If the report received indicates fraud violation, the Anti-Fraud
Departemen Anti-Fraud akan melakukan investigasi untuk Department will conduct an investigation to ensure the truth of
memastikan kebenaran laporan tersebut; dan the report; and
2. Jika laporan yang diterima termasuk dalam kategori pelanggaran 2. If the report received is included in category of non-fraud
non-fraud, maka Departemen Anti-Fraud akan menginisiasi violation, the Anti-Fraud Department will initiate follow-up
tindak lanjut dengan mengoordinasikan laporan tersebut by coordinating the report to relevant work unit for further
kepada unit kerja terkait untuk penanganan lebih lanjut. handling.
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Tata Kelola Perusahaan
Good Corporate Governance
Laporan Pelanggaran Tahun 2024 Whistleblowing Report in 2024
dan Tindak Lanjutnya and Its Follow Up
Sepanjang tahun 2024, Bank tidak menerima laporan pelanggaran Throughout 2024, the Bank did not receive any reports of violations
melalui WBS. through the WBS.
Akses Informasi dan Data Perusahaan
Access to Company’s Information and Data
Pemangku kepentingan dapat mengakses informasi dan data Bank Stakeholders can access the Bank’s information and data through:
melalui:
Situs Web
Call center : 1500977
Website
Corporate Secretary Memuat informasi keuangan dan non- E-mail : costumercare@victoriabank.co.id
Gedung Graha BIP Lantai 10 keuangan, produk/fasilitas, laporan
Graha BIP Building 10th Fl. wajib, peluang karier, dan saluran Facebook : @BankVictoriaID
Jl. Gatot Subroto Kav. 23 informasi lainnya, yaitu:
Jakarta Selatan / South Jakarta 12930 Contains financial and non-financial Youtube : Bank Victoria
(021) 522 8888 information, products/facilities, mandatory
(021) 522 8777 reports, career opportunities, and other
corsec@victoriabank.co.id information channels, namely: Instagram : @bankvictoria
www.victoriabank.co.id
Siaran Pers
Press Release
Menggunakan article placement dalam menyampaikan informasi kegiatan terkait
kinerja dan lainnya. Pada tahun 2024, Bank menerbitkan 15 (lima belas) artikel.
Uses article placement in conveying information on activities related to
performance and others. In 2024, the Bank published 15 (fifteen) articles.
Buletin
Bulletin
Bank menerbitkan buletin yang dikenal dengan nama Victoria News.
Pada tahun 2024, Victoria News menerbitkan 11 (sebelas) konten.
The Bank issue a bulletin known as Victoria News. In 2024, Victoria News issued
11 (eleven) content.
Pemangku kepentingan dapat mendaftarkan identitas dan alamat
e-mail pada mailing list melalui situs web Bank untuk mendapatkan
E-mail : corsec@victoriabank.co.id
informasi secara berkala.
Media Elektronik Stakeholders can register their identity and email address on the
Situs web / Website : www.victoria.co.id
Electronic Media mailing list via the Bank’s website to regularly receive information.
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Implementasi Tata Kelola Perusahaan Terbuka
Implementation of Corporate Governance of Public Company
Penerapan GCG di Bank dilaksanakan berdasarkan Pedoman Tata GCG at the Bank is implemented based on Guidelines for Public
Kelola Perusahaan Terbuka yang diatur dalam Peraturan Otoritas Company’s Governance stipulated in Financial Services Authority
Jasa Keuangan No. 21/POJK.04/2015 dan Surat Edaran Otoritas Jasa Regulation No. 21/POJK.04/2015 and Financial Services Authority
Keuangan No. 32/SEOJK.04/2015. Penerapan pedoman tersebut Circular No. 32/SEOJK.04/2015. The implementation of these
di sepanjang tahun 2024 diuraikan sebagai berikut: guidelines throughout 2024 was described as follows:
Aspek 1: Hubungan Perusahaan Terbuka dengan Pemegang Saham dalam Menjamin Hak-Hak Pemegang Saham
Aspect 1: Relationship between the Public Company and Shareholders in Guaranteeing the Shareholders’ Rights
Prinsip 1: Meningkatkan Nilai Penyelenggaraan RUPS.
Principle 1: Increasing the Value of Convening GMS.
Rekomendasi 1: Penerapan:
Status:
Recommendation 1: Implementation:
Perusahaan terbuka memiliki cara atau prosedur teknis Teknis pengumpulan suara dalam RUPS diatur dalam tata tertib RUPS (dibagikan kepada Terpenuhi
pengumpulan suara (voting), baik secara terbuka Pemegang Saham atau kuasanya yang hadir dan dibacakan sebelum penyelenggaraan
maupun tertutup yang mengedepankan independensi, RUPS) serta dalam Anggaran Dasar untuk mengedepankan independensi dan
dan kepentingan Pemegang Saham. kepentingan Pemegang Saham. Sebagai bentuk transparansi, Pemegang Saham dan
masyarakat luas juga dapat mengunduh tata tertib RUPS pada situs web Bank.
The public company has technical voting methods The technique of collecting votes at GMS is regulated in the GMS rules of procedure Complied
or procedures, either open or close, prioritizing (distributed to Shareholders or their proxies who are present and read out before
independence, and interest of Shareholders. the GMS is held) and in the Articles of Association to prioritize the independence
and interests of Shareholders. As a form of transparency, Shareholders and the wider
community can also download GMS rules of procedure on the Bank’s website.
Rekomendasi 2: Penerapan:
Status:
Recommendation 2: Implementation:
Seluruh anggota Direksi dan anggota Dewan Komisaris Seluruh anggota Dewan Komisaris dan Direksi Bank hadir dalam RUPS Tahunan Terpenuhi
perusahaan terbuka hadir dalam RUPS Tahunan. tanggal 14 Juni 2024. Anggota Dewan Komisaris dan Direksi yang hadir dapat
mewakili Bank untuk memberikan penjelasan kepada Pemegang Saham atas setiap
agenda RUPS Tahunan, sehingga dapat dilaksanakan dengan baik.
All members of Board of Directors and members of All members of the Bank’s Board of Commissioners and Board of Directors were Complied
Board of Commissioners of the public company attend present at the Annual GMS on 14 June 2024. Members of the Board of Commissioners
the Annual GMS. and Board of Directors who were present can represent the Bank to provide
explanations to Shareholders on each agenda of the Annual GMS, so that it can be
implemented properly.
Rekomendasi 3: Penerapan:
Status:
Recommendation 3: Implementation:
Ringkasan risalah RUPS tersedia dalam situs web Bank mengunggah ringkasan risalah RUPS di situs web, dan risalah lengkap RUPS Terpenuhi
perusahaan terbuka paling sedikit selama 1 (satu) tahun. tersebut tersedia di situs web selama lebih dari 1 (satu) tahun.
Summary of GMS minutes is available on the public The Bank uploads the summary of GMS minutes on the website, and the complete Complied
company’s website for at least 1 (one) year. GMS minutes are available on the website for more than 1 (one) year.
Prinsip 2: Meningkatkan Kualitas Komunikasi Perusahaan Terbuka dengan Pemegang Saham atau Investor.
Principle 2: Increasing the Communication Quality between the Public Company and Shareholders or Investors.
Rekomendasi 4: Penerapan:
Status:
Recommendation 4: Implementation:
Perusahaan terbuka memiliki suatu kebijakan Bank memiliki kebijakan komunikasi dengan Pemegang Saham sebagaimana diatur Terpenuhi
komunikasi dengan Pemegang Saham atau investor. dalam Anggaran Dasar. Bank juga menyampaikan informasi yang dapat diakses
masyarakat luas melalui situs web Bank.
The public company has communication policy with the The Bank has policy on communication with Shareholders as stipulated in Complied
Shareholders or investors. the Articles of Association. The Bank also provides information that is accessible by
the wider community through the Bank’s website.
Rekomendasi 5: Penerapan:
Status:
Recommendation 5: Implementation:
Perusahaan terbuka mengungkapkan kebijakan Kebijakan komunikasi Bank dengan Pemegang Saham dan investor telah diungkapkan Terpenuhi
komunikasi perusahaan terbuka dengan Pemegang dalam situs web Bank.
Saham atau investor dalam situs web.
The public company discloses its policy on communication The Bank’s policy on communication with Shareholders and investors has been Complied
with Shareholders or investors on the website. disclosed on the Bank’s website.
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Tata Kelola Perusahaan
Good Corporate Governance
Aspek 2: Fungsi dan Peran Dewan Komisaris
Aspect 2: Functions and Roles of the Board of Commissioners
Prinsip 3: Memperkuat Keanggotaan dan Komposisi Dewan Komisaris.
Principle 3: Strengthening the Board of Commissioners’ Membership and Composition.
Rekomendasi 6: Penerapan:
Status:
Recommendation 6: Implementation:
Penentuan jumlah anggota Dewan Komisaris Jumlah dan komposisi anggota Dewan Komisaris, termasuk pemenuhan jumlah Terpenuhi
mempertimbangkan kondisi perusahaan terbuka. Komisaris Independen telah sesuai dengan kondisi Bank sebagaimana diatur dalam
Anggaran Dasar, BOC Charter, dan Peraturan Otoritas Jasa Keuangan.
The determination of number of Board of Commissioners’ The number and composition of the Board of Commissioners, including the fulfillment Complied
members considers the public company’s condition. of the number of Independent Commissioners, are in accordance with the Bank’s
conditions as stipulated in the Articles of Association, BOC Charter, and Financial
Services Authority Regulations.
Rekomendasi 7: Penerapan:
Status:
Recommendation 7: Implementation:
Penentuan komposisi anggota Dewan Komisaris Dewan Komisaris Bank memiliki latar belakang yang beragam dalam hal keahlian, Terpenuhi
memperhatikan keberagaman keahlian, pengetahuan, pengetahuan, dan pengalaman yang bertujuan untuk mendukung perkembangan
dan pengalaman yang dibutuhkan. bisnis Bank. Hal tersebut dapat dilihat dari profil masing-masing Dewan Komisaris.
The determination of Board of Commissioners’ The Bank’s Board of Commissioners has a diverse background in terms of expertise, Complied
composition considers the range of expertise, knowledge, and experience that aims to support the Bank’s business development.
knowledge, and experience required. This can be seen from the profile of each Board of Commissioners.
Prinsip 4: Meningkatkan Kualitas Pelaksanaan Tugas dan Tanggung Jawab Dewan Komisaris.
Principle 4: Increasing the Quality of Implementation of Board of Commissioners’ Duties and Responsibilities.
Rekomendasi 8: Penerapan:
Status:
Recommendation 8: Implementation:
Dewan Komisaris mempunyai kebijakan penilaian sendiri Kebijakan penilaian kinerja Dewan Komisaris telah diatur dalam BOC Charter serta Terpenuhi
(self-assessment) untuk menilai kinerja Dewan Komisaris. diungkapkan dalam Laporan Tahunan ini beserta dengan hasil penilaiannya.
The Board of Commissioners has self-assessment policy The Board of Commissioners’ performance assessment policy has been stipulated in Complied
to assess the Board of Commissioners’ performance. BOC Charter and is disclosed in this Annual Report along with its assessment results.
Rekomendasi 9: Penerapan:
Status:
Recommendation 9: Implementation:
Kebijakan penilaian sendiri (self-assessment) untuk Kebijakan penilaian kinerja Dewan Komisaris telah diatur dalam BOC Charter serta Terpenuhi
menilai kinerja Dewan Komisaris, diungkapkan melalui diungkapkan dalam Laporan Tahunan ini beserta dengan hasil penilaiannya.
Laporan Tahunan perusahaan terbuka.
The self-assessment policy to assess the Board of The Board of Commissioners’ performance assessment policy has been stipulated in Complied
Commissioners’ performance is disclosed in the public BOC Charter and is disclosed in this Annual Report along with its assessment results.
company’s Annual Report.
Rekomendasi 10: Penerapan:
Status:
Recommendation 10: Implementation:
Dewan Komisaris mempunyai kebijakan terkait Dewan Komisaris telah memiliki BOC Charter yang mengatur mengenai Terpenuhi
pengunduran diri anggota Dewan Komisaris apabila pemberhentian Dewan Komisaris apabila terlibat dalam kejahatan keuangan dan
terlibat dalam kejahatan keuangan. terbukti melakukan kesalahan.
The Board of Commissioners has policy related to The Board of Commissioners has the BOC Charter that regulates the dismissal of the Complied
resignation of the Board of Commissioners’ members if Board of Commissioners in the event they are involved in a financial crime and are
involved in financial crime. proven to have made a mistake.
Rekomendasi 11: Penerapan:
Status:
Recommendation 11: Implementation:
Dewan Komisaris atau Komite yang menjalankan fungsi Komite Remunerasi dan Nominasi telah memiliki kebijakan terkait nominasi anggota Terpenuhi
nominasi dan remunerasi menyusun kebijakan suksesi Direksi yang diatur dalam Kebijakan Sistem Nominasi dan Remunerasi.
dalam proses nominasi anggota Direksi.
The Board of Commissioners or Committee performing The Remuneration and Nomination Committee has a policy related to nomination Complied
nomination and remuneration functions prepares the of members of the Board of Directors which is stipulated in the Nomination and
succession policy for the nomination process of the Remuneration System Policy.
Board of Directors’ members.
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Aspek 3: Fungsi dan Peran Direksi
Aspect 3: Functions and Roles of the Board of Directors
Prinsip 5: Memperkuat Keanggotaan dan Komposisi Direksi.
Principle 5: Strengthening the Board of Directors’ Membership and Composition.
Rekomendasi 12: Penerapan:
Status:
Recommendation 12: Implementation:
Penentuan jumlah anggota Direksi mempertimbangkan Jumlah dan komposisi anggota Direksi telah sesuai dengan kondisi Bank sebagaimana Terpenuhi
kondisi perusahaan terbuka, serta efektivitas dalam diatur dalam Anggaran Dasar, BOD Charter, dan Peraturan Otoritas Jasa Keuangan.
pengambilan keputusan.
The determination of number of Board of Directors’ The number and composition of members of the Board of Directors are in accordance Complied
members considers the public company’s condition and with the Bank’s conditions as stipulated in the Articles of Association, BOD Charter,
effectiveness in decision-making. and Financial Services Authority Regulations.
Rekomendasi 13: Penerapan:
Status:
Recommendation 13: Implementation:
Penentuan komposisi anggota Direksi memperhatikan, Direksi Bank memiliki latar belakang yang beragam dalam hal keahlian, pengetahuan, Terpenuhi
keberagaman keahlian, pengetahuan, dan pengalaman dan pengalaman yang bertujuan untuk mendukung perkembangan bisnis Bank. Hal
yang dibutuhkan. tersebut dapat dilihat dari profil masing-masing Direksi.
The determination of Board of Directors’ composition The Bank’s Board of Directors has a diverse background in terms of expertise, Complied
considers the range of expertise, knowledge, and knowledge, and experience that aims to support the Bank’s business development.
experience required. This can be seen from the profile of each Board of Directors.
Rekomendasi 14: Penerapan:
Status:
Recommendation 14: Implementation:
Anggota Direksi yang membawahi bidang akuntansi Anggota Direksi yang membawahi bidang akuntansi dan keuangan memiliki Terpenuhi
atau keuangan memiliki keahlian dan/atau pengetahuan pengalaman di bidang keuangan dan akuntansi.
di bidang akuntansi.
The Board of Directors’ member in charge of accounting Members of the Board of Directors in charge of accounting and finance have Complied
or finance has the expertise and/or knowledge in experience in finance and accounting.
accounting.
Prinsip 6: Meningkatkan Kualitas Pelaksanaan Tugas dan Tanggung Jawab Direksi.
Principle 6: Increasing the Quality of Implementation of Board of Directors’ Duties and Responsibilities.
Rekomendasi 15: Penerapan:
Status:
Recommendation 15: Implementation:
Direksi mempunyai kebijakan penilaian sendiri Kebijakan penilaian kinerja Direksi telah diatur dalam BOD Charter serta diungkapkan Terpenuhi
(self-assessment) untuk menilai kinerja Direksi. dalam Laporan Tahunan ini beserta dengan hasil penilaiannya.
The Board of Directors has self-assessment policy to The Board of Directors’ performance assessment policy has been stipulated in BOD Complied
assess the Board of Directors’ performance. Charter and is disclosed in this Annual Report along with its assessment results.
Rekomendasi 16: Penerapan:
Status:
Recommendation 16: Implementation:
Kebijakan penilaian sendiri (self-assessment) untuk Kebijakan penilaian kinerja Direksi telah diatur dalam BOD Charter serta diungkapkan Terpenuhi
menilai kinerja Direksi diungkapkan melalui Laporan dalam Laporan Tahunan ini beserta dengan hasil penilaiannya.
Tahunan perusahaan terbuka.
The self-assessment policy to assess the Board of The Board of Directors’ performance assessment policy has been stipulated in BOD Complied
Directors’ performance is disclosed in the public Charter and is disclosed in this Annual Report along with its assessment results.
company’s Annual Report.
Rekomendasi 17: Penerapan:
Status:
Recommendation 17: Implementation:
Direksi mempunyai kebijakan terkait pengunduran Dewan Komisaris telah memiliki BOD Charter yang mengatur mengenai Terpenuhi
diri anggota Direksi apabila terlibat dalam kejahatan pemberhentian Dewan Komisaris apabila terlibat dalam kejahatan keuangan dan
keuangan. terbukti melakukan kesalahan.
The Board of Directors has policy related to resignation The Board of Directors has the BOD Charter that regulates the dismissal of the Board Complied
of the Board of Directors’ members if involved in of Directors in the event they are involved in a financial crime and are proven to have
financial crime. made a mistake.
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Tata Kelola Perusahaan
Good Corporate Governance
Aspek 4: Partisipasi Pemangku Kepentingan
Aspect 4: Stakeholders Participation
Prinsip 7: Meningkatkan Aspek Tata Kelola Perusahaan Melalui Partisipasi Pemangku Kepentingan.
Principle 7: Increasing the Corporate Governance Aspect Through Stakeholders Participation.
Rekomendasi 18: Penerapan:
Status:
Recommendation 18: Implementation:
Perusahaan terbuka memiliki kebijakan untuk mencegah Bank memiliki kebijakan untuk mencegah terjadinya insider trading yang diatur dalam Terpenuhi
terjadinya insider trading. Kode Etik.
The public company has a policy to prevent the The Bank has a policy to prevent insider trading as stipulated in the Code of Conduct. Complied
occurrence of insider trading.
Rekomendasi 19: Penerapan:
Status:
Recommendation 19: Implementation:
Perusahaan terbuka memiliki kebijakan anti-korupsi dan Bank menjalankan program dan prosedur anti-korupsi dan anti-fraud sesuai dengan Terpenuhi
anti-fraud. Keputusan Direksi No. 007/SK-DIR/10/24 tanggal 16 Oktober 2024 tentang Kebijakan
Penerapan Strategi Anti-Fraud dan No. 008/SK-DIR/10/24 tanggal 16 Oktober 2024
tentang Standar Operasional Prosedur Penerapan Strategi Anti-Fraud, yang juga diatur
dalam Kode Etik.
The public company has anti-corruption and anti-fraud The Bank implements anti-corruption and anti-fraud programs and procedures Complied
policy. in accordance with the Board of Directors’ Decision No. 007/SK-DIR/10/24
dated 16 October 2024 on Policy for Implementing Anti-Fraud Strategies and
No. 008/SK-DIR/10/24 dated 16 October 2024 on Standard Operating Procedures for
Implementing Anti-Fraud Strategies, which are also stipulated in the Code of Conduct.
Rekomendasi 20: Penerapan:
Status:
Recommendation 20: Implementation:
Perusahaan terbuka memiliki kebijakan tentang seleksi Bank memiliki kebijakan tentang seleksi dan peningkatan kemampuan pemasok atau Terpenuhi
dan peningkatan kemampuan pemasok atau vendor. vendor yang diatur dalam Surat Keputusan Direktur No. 027/SK-DIR/06/23 tanggal
27 Juni 2023 tentang Kebijakan Pengadaan Inventaris/Barang Lainnya dan Jasa.
The public company has a policy on selection and The Bank has a policy on selection and improvement of supplier or vendor capabilities Complied
improvement of supplier’s or vendor’s capabilities. as stipulated in the Board of Directors’ Decision Letter No. 027/SK-DIR/06/23 dated
27 June 2023 on Procurement Policy for Inventory/Other Goods and Services.
Rekomendasi 21: Penerapan:
Status:
Recommendation 21: Implementation:
Perusahaan terbuka memiliki kebijakan tentang Bank memiliki kebijakan tentang pemenuhan hak-hak kreditur yang diatur dalam Terpenuhi
pemenuhan hak-hak kreditur. Kode Etik.
The public company has a policy on the fulfillment of The Bank has a policy on the fulfillment of creditor’s rights as stipulated in Complied
creditor’s rights. the Code of Conduct.
Rekomendasi 22: Penerapan:
Status:
Recommendation 22: Implementation:
Perusahaan terbuka memiliki kebijakan sistem WBS. Bank telah memiliki kebijakan sistem WBS dan telah dimutakhirkan melalui Keputusan Terpenuhi
Direksi No. 007/SK-DIR/10/24 tanggal 16 Oktober 2024 tentang Kebijakan Penerapan
Strategi Anti-Fraud dan No. 008/SK-DIR/10/24 tanggal 16 Oktober 2024 tentang
Standar Operasional Prosedur Penerapan Strategi Anti-Fraud.
The public company has a policy on WBS system. The Bank has a policy on WBS system which has been updated through the Board Complied
of Directors’ Decision No. 007/SK-DIR/10/24 dated 16 October 2024 on Policy for
Implementing Anti-Fraud Strategies and No. 008/SK-DIR/10/24 dated 16 October
2024 on Standard Operating Procedures for Implementing Anti-Fraud Strategies.
Rekomendasi 23: Penerapan:
Status:
Recommendation 23: Implementation:
Perusahaan terbuka memiliki kebijakan pemberian Bank menerapkan program insentif jangka panjang bagi Direksi dan karyawan Terpenuhi
insentif jangka panjang kepada Direksi dan karyawan. berdasarkan Keputusan Direksi No. 001A/SK-DIR/12/22 tanggal 1 Desember 2022
tentang Kebijakan dan Prosedur Human Capital Management. Informasi terkait
pemberian insentif ini tercatat dalam Laporan Keuangan, khususnya pada bagian
Liabilitas Imbalan Kerja, yang disertakan dalam Laporan Tahunan ini.
The public company has a policy on provision of long- The Bank implements long-term incentives program for the Board of Directors Complied
term incentive for the Board of Directors and employees. and employees based on the Board of Directors’ Decision No. 001A/SK-DIR/12/22
dated 1 December 2022 on Human Capital Management Policies and Procedures.
Information related to the provision of the incentives is documented in the Financial
Statements, specifically in the Employee Benefits Obligation section as included in
this Annual Report.
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Aspek 5: Keterbukaan Informasi
Aspect 5: Information Disclosure
Prinsip 8: Meningkatkan Pelaksanaan Keterbukaan Informasi.
Principle 8: Increasing the Implementation of Information Disclosure.
Rekomendasi 24: Penerapan:
Status:
Recommendation 24: Implementation:
Perusahaan terbuka memanfaatkan penggunaan Selain situs web, Bank juga memanfaatkan teknologi informasi lainnya seperti media Terpenuhi
teknologi informasi secara lebih luas selain situs web sosial, IDX Net, dan Sistem Pelaporan Otoritas Jasa Keuangan sebagai saluran media
sebagai media keterbukaan informasi. untuk keterbukaan informasi.
The public company utilizes information technology In addition to website, the Bank also utilizes other information technologies such as Complied
more broadly, in addition to the website, as a media for social media, IDX Net, and Financial Services Authority Reporting System as media
information disclosure. channels for information disclosure.
Rekomendasi 25: Penerapan:
Status:
Recommendation 25: Implementation:
Laporan Tahunan perusahaan terbuka mengungkapkan Laporan Tahunan Bank telah mengungkapkan informasi pemilik manfaat akhir dalam Terpenuhi
pemilik manfaat akhir dalam kepemilikan saham perusahaan kepemilikan saham serta informasi Pemegang Saham Utama dan Pengendali pada
terbuka paling sedikit 5%, selain pengungkapan pemilik bab Profil Perusahaan.
manfaat akhir dalam kepemilikan saham perusahaan
terbuka melalui Pemegang Saham Utama dan Pengendali.
The public company’s Annual Report discloses the ultimate The Bank’s Annual Report has disclosed information on the ultimate beneficial owner Complied
beneficial owner of the public company’s share ownership in share ownership as well as information on Main and Controlling Shareholders in the
of at least 5%, in addition to the disclosure of the ultimate Company Profile chapter.
beneficial owner in the share ownership of public company
through the Main and Controlling Shareholders.
Pedoman Umum Governansi Korporat Indonesia
General Guidelines for Indonesian Corporate Governance
Komite Nasional Kebijakan Governansi (KNKG) telah menerbitkan The National Committee for Governance Policy (KNKG) has issued
Pedoman Umum Governansi Korporat Indonesia (PUGKI) 2021 the 2021 General Guidelines for Indonesian Corporate Governance
sebagai pedoman untuk praktik governansi korporat berstandar (PUGKI) as a guideline for global standard corporate governance
global, yang direkomendasikan terutama untuk korporasi yang practices, recommended particularly for corporations listed on
terdaftar di pasar modal dan mengelola dana masyarakat. Bank the capital market that manage public funds. The Bank applies
menerapkan prinsip dan rekomendasi PUGKI 2021 berdasarkan the principles and recommendations of the 2021 PUGKI based
pendekatan “terpenuhi atau penjelasan” dengan rincian on the “complied or explanation” approach with details of its
implementasi di Bank, sebagai berikut: implementation at the Bank as follows:
Prinsip 1: Peran dan Tanggung Jawab Direksi dan Dewan Komisaris
Principle 1: Roles and Responsibilities of the Board of Directors and Board of Commissioners
Rekomendasi 1.1: Peran dan Tanggung Jawab Direksi.
Recommendation 1.1: Roles and Responsibilities of the Board of Directors.
Rekomendasi 1.1.1: Keterangan:
Status:
Recommendation 1.1.1: Description:
Untuk mencapai penciptaan nilai yang berkelanjutan, Direksi Dalam melaksanakan tugas dan fungsinya, Direksi fokus pada kinerja Terpenuhi
menjalankan peran kepemimpinannya dan berupaya mencapai hasil jangka panjang, menjunjung tinggi etika bisnis, bertanggung jawab
governansi sebagai berikut: terhadap lingkungan dan masyarakat, serta konsisten melakukan
1. Berdaya saing dan berfokus ke kinerja jangka panjang; penyempurnaan untuk pertumbuhan yang berkelanjutan.
2. Beretika dan bertanggung jawab dalam menjalankan bisnis;
3. Berkontribusi positif terhadap masyarakat dan lingkungan; dan
4. Berkemampuan dalam bertahan dan bertumbuh (corporate resilience).
To achieve sustainable value creation, the Board of Directors carries In performing its duties and functions, the Board of Directors Complied
out its leadership role and seeks to achieve the following governance focuses on long-term performance, upholding business ethics, being
results: responsible for the environment and community, and consistently
1. Be competitive and focused on long-term performance; making improvements for sustainable growth.
2. Be ethical and responsible in conducting business;
3. Have positive contributions to the community and the environment;
and
4. Be able to survive and grow (corporate resilience).
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Tata Kelola Perusahaan
Good Corporate Governance
Rekomendasi 1.1.2: Keterangan:
Status:
Recommendation 1.1.2: Description:
Direksi harus memastikan bahwa misi, visi, tujuan, sasaran, strategi, dan Direksi fokus pada pengembangan infrastruktur teknologi dan inovasi Terpenuhi
rencana tahunan dan jangka menengah korporasi konsisten dengan digital. Hal ini dilakukan guna mendukung pencapaian visi, misi,
tujuan jangka panjang, dengan memanfaatkan inovasi dan teknologi tujuan, sasaran, strategi, dan rencana jangka pendek dan jangka
secara efektif. panjang Bank.
The Board of Directors must ensure that the corporate mission, vision, The Board of Directors focuses on developing technology Complied
goals, objectives, strategies, and annual as well as mid-term plans are infrastructure and digital innovation. This is carried out to support the
consistent with the long-term goals, by effectively utilizing innovation achievement of the Bank’s vision, mission, goals, targets, strategies,
and technology. and short-term as well as long-term plans.
Rekomendasi 1.1.3: Keterangan:
Status:
Recommendation 1.1.3: Description:
Direksi memastikan bahwa korporasi menerapkan manajemen Direksi menerapkan manajemen risiko dan SPI dengan efektif, proaktif, Terpenuhi
risiko dan sistem pengendalian internal yang tepat dan efektif yang serta sejalan dengan ketentuan peraturan perundang-undangan dan
selaras dengan visi, misi, tujuan, sasaran, dan strategi korporasi serta standar yang berlaku. Hal ini bertujuan untuk mendukung pencapaian
mematuhi peraturan perundang-undangan dan standar yang berlaku. dan pertumbuhan kinerja secara berkelanjutan serta meningkatkan
daya saing Bank.
The Board of Directors ensures that the corporation implements an The Board of Directors implements risk management and SPI Complied
appropriate and effective risk management and internal control effectively, proactively, and in line with the applicable laws and
system, that is aligned with the corporate vision, mission, goals, regulations and standards. This aims to support sustainable
objectives, and strategies, as well as complies with applicable laws and performance achievement and growth and increase the Bank’s
regulations and standards. competitiveness.
Rekomendasi 1.1.4: Keterangan:
Status:
Recommendation 1.1.4: Description:
Direksi memastikan integritas akuntansi dan sistem pelaporan Direksi memastikan integritas akuntansi dan sistem pelaporan Terpenuhi
keuangan korporasi dan pengungkapan yang tepat waktu dan akurat keuangan Bank, serta pengungkapan informasi material yang
atas semua informasi material mengenai korporasi. tepat waktu dan akurat. Langkah ini merupakan bagian penting
dari implementasi manajemen risiko Bank, yang bertujuan menjaga
transparansi dan kepercayaan para pemangku kepentingan.
The Board of Directors ensures the integrity of corporate accounting The Board of Directors ensures the integrity of the Bank’s accounting Complied
and financial reporting system and the timely and accurate disclosure and financial reporting systems, as well as timely and accurate
of all material information on the corporation. disclosure of material information. This step is an important part of
the Bank’s risk management implementation, which aims to maintain
transparency and stakeholder trust.
Rekomendasi 1.1.5: Keterangan:
Status:
Recommendation 1.1.5: Description:
Direksi memastikan pelaporan keberlanjutan telah disusun Direksi melakukan penerapan prinsip keberlanjutan serta memastikan Terpenuhi
sebagaimana mestinya. penyusunan Laporan Keberlanjutan sesuai dengan ketentuan
peraturan perundang-undangan dan standar yang berlaku.
The Board of Directors ensures that sustainability reporting has been The Board of Directors implements sustainability principles and Complied
prepared properly. ensures that the Sustainability Report preparation is in accordance
with the applicable laws and regulations and standards.
Rekomendasi 1.1.6: Keterangan:
Status:
Recommendation 1.1.6: Description:
Direksi membangun kerangka kerja untuk governansi teknologi Direksi telah membangun dan secara konsisten memutakhirkan Terpenuhi
informasi korporasi yang selaras dengan kebutuhan dan prioritas kerangka kerja governansi TI Bank agar selaras dengan kebutuhan
bisnis korporasi, mendorong peluang dan kinerja bisnis, memperkuat dan prioritas bisnis Bank. Penerapan governansi TI dilakukan melalui
manajemen risiko, serta mendukung tujuan dan strategi korporasi. penyelarasan rencana strategis TI Bank dengan strategi bisnis Bank,
optimalisasi sumber daya, pemanfaatan TI, pengukuran kinerja, dan
penerapan manajemen risiko yang efektif dengan tetap memenuhi
peraturan perundang-undangan yang berlaku.
The Board of Directors builds a framework for corporate information The Board of Directors has built and consistently updated the Complied
technology governance that is aligned with corporate business Bank’s IT governance framework to align it with the Bank’s business
needs and priorities, drives business opportunities and performance, needs and priorities. The IT governance is implemented through the
strengthens risk management, as well as supports corporate goals and alignment of the Bank’s IT strategic plan with the Bank’s business
strategies. strategy, optimization of resources, utilization of IT, performance
measurement, and implementation of effective risk management
while still complying with applicable laws and regulations.
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Rekomendasi 1.1.7: Keterangan:
Status:
Recommendation 1.1.7: Description:
Bagi korporasi yang menjalankan kegiatan usaha berdasarkan prinsip Bank tidak memiliki dan menjalankan kegiatan usaha berdasarkan Penjelasan
syariah, Direksi perlu memastikan kewenangan dan ketersediaan prinsip syariah di tahun 2024.
perangkat pendukung yang memadai agar Dewan Pengawas Syariah
dapat menjalankan perannya dengan efektif.
For corporations that conduct business activities based on sharia The Bank did not have nor conduct business activities based on Explanation
principles, the Board of Directors needs to ensure the authority sharia principles in 2024.
and availability of adequate supporting tools, allowing the Sharia
Supervisory Board to carry out its role effectively.
Rekomendasi 1.1.8: Keterangan:
Status:
Recommendation 1.1.8: Description:
Piagam Direksi secara periodik ditinjau. Piagam mencakup antara lain BOD Charter dikaji secara berkala dan telah diperbarui pada Terpenuhi
pembagian peran Direktur secara individual dapat diatur di Piagam tanggal 6 Desember 2023 serta diunggah ke situs web Bank
Direksi atau dengan surat keputusan Direksi. (www.victoriabank.co.id).
The Board of Directors’ Charter is periodically reviewed. The Charter The BOD Charter is periodically reviewed, was lastly updated on Complied
includes, among others, the division of roles for the Directors 6 December 2023, and is already uploaded to the Bank’s website
individually, which can be regulated in the Board of Directors’ Charter (www.victoriabank.co.id).
or by a decision letter of the Board of Directors.
Rekomendasi 1.1.9: Keterangan:
Status:
Recommendation 1.1.9: Description:
Direksi mempunyai kebijakan terkait pengunduran diri anggota Direksi Direksi telah memiliki BOD Charter yang mengatur mengenai Terpenuhi
apabila terlibat dalam kejahatan keuangan dan terbukti melakukan pemberhentian Direksi apabila terlibat dalam kejahatan keuangan
kesalahan. dan terbukti melakukan kesalahan.
The Board of Directors has a policy on resignation of members of the The Board of Directors has the BOD Charter that regulates the Complied
Board of Directors if involved in a financial crime and are proven to dismissal of the Board of Directors in the event they are involved in a
have made a mistake. financial crime and are proven to have made a mistake.
Rekomendasi 1.2: Penilaian Kinerja - Direksi dan Anggotanya.
Recommendation 1.2: Performance Assessment - Board of Directors and its Members.
Rekomendasi 1.2.1: Keterangan:
Status:
Recommendation 1.2.1: Description:
Dewan Komisaris melakukan evaluasi formal tahunan secara objektif Bank menerapkan kebijakan penilaian kinerja Direksi yang mencakup Terpenuhi
dan independen untuk menentukan efektivitas Direksi dan setiap 2 (dua) metode, yaitu penilaian kinerja secara mandiri dan penilaian
individu Direktur. oleh Dewan Komisaris. Penilaian ini dilakukan setidaknya sekali
dalam setahun untuk memastikan efektivitas kepemimpinan dan
pencapaian target Bank. Informasi lebih lengkap mengenai proses
dan hasil penilaian kinerja Direksi dijelaskan secara rinci dalam bagian
Penilaian Kinerja Direksi pada Laporan Tahunan ini.
The Board of Commissioners conducts an annual formal evaluation The Bank implements the policy on Board of Directors performance Complied
objectively and independently to determine the effectiveness of the assessment that includes 2 (two) methods, namely independent
Board of Directors and each individual Director. performance assessment and assessment by the Board of
Commissioners. These assessments are carried out at least once every
year to ensure the effectiveness of leadership and achievement of
the Bank’s targets. A more detailed information regarding the process
and results of the Board of Directors’ performance assessment is
explained in detail in the Board of Directors’ Performance Assessment
section of this Annual Report.
Rekomendasi 1.2.2: Keterangan:
Status:
Recommendation 1.2.2: Description:
Dewan Komisaris dengan pertimbangan Komite Remunerasi dan Kriteria penilaian kinerja Direksi oleh Dewan Komisaris telah Terpenuhi
Nominasi, bertanggung jawab menentukan kriteria evaluasi kinerja dan mempertimbangkan usulan Komite Remunerasi dan Nominasi.
menilai kinerja Direktur Utama dan anggota Direksi lainnya.
The Board of Commissioners, with considerations from the Remuneration The performance assessment criteria of the Board of Directors by the Complied
and Nomination Committee, is responsible for determining Board of Commissioners have considered the recommendations of
performance evaluation criteria and assessing the performance of the the Remuneration and Nomination Committee.
President Director and other members of the Board of Directors.
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Rekomendasi 1.3: Peran dan Tanggung Jawab Dewan Komisaris.
Recommendation 1.3: Roles and Responsibilities of the Board of Commissioners.
Rekomendasi 1.3.1: Keterangan:
Status:
Recommendation 1.3.1: Description:
Dewan Komisaris mengkaji ulang strategi korporasi paling tidak setiap Dewan Komisaris secara rutin mengkaji ulang strategi Bank Terpenuhi
tahun dan menyetujui misi, visi dan strategi korporasi yang dirumuskan setidaknya setiap tahun, dengan memberikan persetujuan atas
oleh Direksi. Dewan Komisaris juga mengkaji ulang, memberikan saran dokumen RBB dan Rencana Kerja dan Anggaran Perusahaan (RKAP),
dan menyetujui rencana bisnis dan rencana keuangan jangka panjang termasuk revisinya. Selain itu, Dewan Komisaris juga memberikan
dan rencana keuangan jangka pendek korporasi. Dewan Komisaris nasihat serta melakukan pemantauan terhadap implementasinya
memberikan advis dan melakukan pemantauan kepada Direksi atas melalui rapat yang mengundang jajaran Direksi untuk membahas
pengelolaan implementasinya. Direksi dan Dewan Komisaris terlibat kinerja perusahaan. Sebagai bagian dari tanggung jawabnya, Dewan
dalam keputusan yang sangat penting bagi korporasi, diatur dalam Komisaris menyusun Laporan Pengawasan RBB yang dilaporkan
Anggaran Dasar korporasi. kepada otoritas berwenang setiap semester.
The Board of Commissioners reviews the corporate strategy at least The Board of Commissioners regularly reviews the Bank’s strategy Complied
annually and approves the corporate mission, vision, and strategy at least on an annual basis, by approving RBB and the Company’s
formulated by the Board of Directors. The Board of Commissioners Work Plan and Budget (RKAP) documents, including their revisions.
also reviews, provides advice, and approves long-term business and In addition, the Board of Commissioners also provides advice
financial plans and the company’s short-term financial plans. The and monitors its implementation through meetings inviting the
Board of Commissioners provides advice and monitors the Board Board of Directors to discuss the company’s performance. As part
of Directors on the management of its implementation. The Board of its responsibilities, the Board of Commissioners prepares RBB
of Directors and Board of Commissioners are involved in decisions Supervision Report which is reported to the competent authorities
deemed crucial for the corporation, as regulated in the Articles of every semester.
Association of the Company.
Rekomendasi 1.3.2: Keterangan:
Status:
Recommendation 1.3.2: Description:
Jenis keputusan yang memerlukan persetujuan Dewan Komisaris Keputusan-keputusan yang diambil oleh Dewan Komisaris telah Terpenuhi
harus diungkapkan dalam Laporan Tahunan. disampaikan pada pembahasan Dewan Komisaris di Laporan Tahunan ini.
The types of decisions that require the Board of Commissioners’ Decisions taken by the Board of Commissioners have been presented Complied
approval must be disclosed in the Annual Report. in the discussion of the Board of Commissioners in this Annual Report.
Rekomendasi 1.3.3: Keterangan:
Status:
Recommendation 1.3.3: Description:
Dengan memperhatikan rekomendasi Komite Remunerasi dan Sesuai dengan Pedoman Tata Tertib Komite Remunerasi dan Nominasi Terpenuhi
Nominasi, Dewan Komisaris mengusulkan kepada, dan untuk tanggal 5 Januari 2024 dan Kebijakan Penerapan Tata Kelola dalam
diputuskan oleh, RUPS pengangkatan dan/atau pemberhentian Pemberian Remunerasi No. 011/SK-KOM/01/24 tanggal 17 Januari 2024,
anggota Direksi dan anggota Dewan Komisaris. Dalam mengusulkan Dewan Komisaris berperan aktif dalam proses pengangkatan dan
hal di atas, Dewan Komisaris memperhatikan keberagaman, unsur pemberhentian anggota Dewan Komisaris dan Direksi. Dalam
non-diskriminatif, dan memberikan kesempatan yang sama tanpa proses nominasi, Dewan Komisaris mempertimbangkan rekomendasi
membedakan suku, agama, ras, antar golongan, dan gender. Dewan dari Komite Remunerasi dan Nominasi, memastikan keberagaman
Komisaris memastikan proses pencalonan dan pemilihan anggota dengan memberikan kesempatan yang setara tanpa membedakan
Direksi dan anggota Dewan Komisaris adalah formal dan transparan. suku, agama, ras, golongan, dan gender. Proses ini dijalankan secara
formal dan transparan untuk menjamin integritas serta kualitas
kepemimpinan di Bank.
Taking into account the recommendations from the Remuneration Pursuant to Guidelines and Procedures of Remuneration and Complied
and Nomination Committee, the Board of Commissioners proposes Nomination Committee dated 5 January 2024 and the Policy for
to, and to be resolved by, the GMS the appointment and/or dismissal Governance Implementation in the Provision of Remuneration
of members of the Board of Directors and members of the Board of No. 011/SK-KOM/01/24 dated 17 January 2024, the Board of
Commissioners. In proposing the above, the Board of Commissioners Commissioners plays an active role in the process of appointing
pays attention to the diversity, non-discriminatory elements, and and dismissing members of the Board of Commissioners and Board
provides equal opportunities regardless of ethnicity, religion, race, of Directors. In the nomination process, the Board of Commissioners
class, and gender. The Board of Commissioners ensures a formal and considers recommendations from the Remuneration and Nomination
transparent nomination and selection process for members of the Committee, ensures diversity by providing equal opportunities
Board of Directors and members of the Board of Commissioners. regardless of ethnicity, religion, race, class, and gender. This process
is carried out formally and transparently to ensure the integrity and
quality of leadership at the Bank.
Rekomendasi 1.3.4: Keterangan:
Status:
Recommendation 1.3.4: Description:
Dewan Komisaris atau Komite yang menjalankan fungsi nominasi Sebagai langkah untuk mempersiapkan regenerasi kepemimpinan, Terpenuhi
menyusun kebijakan suksesi dalam proses nominasi anggota Direksi. Bank telah menetapkan dan menjalankan kebijakan suksesi Direksi,
Setiap tahun Dewan Komisaris meninjau pelaporan pelaksanaan yang merupakan bagian dari Pedoman Kerja Komite Remunerasi
rencana pengembangan dan suksesi yang disampaikan Direktur dan Nominasi. Kebijakan ini dirancang untuk memastikan kelanjutan
Utama. kepemimpinan yang efektif dan telah disampaikan secara transparan
dalam Laporan Tahunan, sebagai wujud komitmen Bank terhadap
kesinambungan implementasi GCG.
The Board of Commissioners or the Committee conducting the As a step to prepare for leadership regeneration, the Bank has Complied
nomination function prepares a succession policy in the process of established and implemented a succession policy for the Board
nominating members of the Board of Directors. Every year, the Board of of Directors, which is part of the Remuneration and Nomination
Commissioners reviews the report on implementation of development Committee Charter. This policy is designed to ensure effective
and succession plans submitted by the President Director. leadership continuity and is presented transparently in the Annual
Report, as a manifestation of the Bank’s commitment to the continuity
of GCG implementation.
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Rekomendasi 1.3.5: Keterangan:
Status:
Recommendation 1.3.5: Description:
Dewan Komisaris: Komite Remunerasi dan Nominasi melakukan pembahasan atas Terpenuhi
1. Mengajukan kepada RUPS, yang dapat didahului oleh usulan dari remunerasi Dewan Komisaris dan Direksi dengan mempertimbangkan
komite yang menjalankan fungsi remunerasi, besaran remunerasi skala usaha, kompleksitas usaha, peer group, tingkat inflasi, kondisi
anggota Direksi dan anggota Dewan Komisaris yang selaras dengan dan kemampuan keuangan Bank, dan tidak bertentangan dengan
pengembangan korporasi yang berkelanjutan dan kepentingan peraturan perundang-undangan yang berlaku. Dewan Komisaris akan
jangka panjang korporasi dan Pemegang Saham; dan mempelajari rekomendasi dari Komite Remunerasi dan Nominasi dan
2. Secara berkala mengkaji ulang sistem remunerasi Direksi dan mengusulkan remunerasi tersebut kepada RUPS. Selain itu, sistem
Dewan Komisaris. remunerasi Dewan Komisaris dan Direksi ditelaah secara berkala
sesuai perkembangan aktivitas Bank dan ketentuan yang berlaku.
The Board of Commissioners: The Remuneration and Nomination Committee discusses the Complied
1. Submits to the GMS, which may be preceded by recommendation remuneration for the Board of Commissioners and Board of Directors
from the committee conducting remuneration function, the by considering the business scale, business complexity, peer
remuneration amount for members of the Board of Directors and group, inflation rate, the Bank’s financial condition and capability,
members of the Board of Commissioners, in line with the sustainable and not having any conflict with applicable laws and regulations.
corporate development and long-term interests of the corporation The Board of Commissioners will study the recommendations from
and Shareholders; and the Remuneration and Nomination Committee and propose the
2. Periodically reviews the remuneration system for the Board of remuneration to the GMS. In addition, the remuneration system
Directors and Board of Commissioners. of the Board of Commissioners and Board of Directors is reviewed
periodically in accordance with the development of the Bank’s
activities and applicable regulations.
Rekomendasi 1.3.6: Keterangan:
Status:
Recommendation 1.3.6: Description:
Dewan Komisaris mengawasi efektivitas kebijakan governansi korporat Dewan Komisaris baik secara langsung atau melalui komite-komite Terpenuhi
dan implementasinya serta mengusulkan perubahan jika diperlukan. senantiasa mengawasi dan mengarahkan kebijakan dan efektivitas
penerapan tata kelola serta memberikan masukan dan perbaikan jika
diperlukan.
The Board of Commissioners oversees the effectiveness of corporate The Board of Commissioners, either directly or through committees, Complied
governance policies and their implementation and proposes changes always supervises and directs the policies and effectiveness of
if necessary. governance implementation and provides input and improvements
if necessary.
Rekomendasi 1.3.7: Keterangan:
Status:
Recommendation 1.3.7: Description:
Dewan Komisaris memantau dan mengarahkan agar korporasi Dewan Komisaris telah melaksanakan pemantauan dan pengawasan Terpenuhi
menerapkan manajemen risiko dan sistem pengendalian internal yang dengan memberikan saran serta nasihat kepada Direksi melalui
tepat dan efektif yang selaras dengan tujuan, sasaran, dan strategi serangkaian pertemuan. Pertemuan ini membahas penerapan
korporasi serta mematuhi peraturan perundang-undangan, kode manajemen risiko di Bank serta pelaksanaan SPI, memastikan kedua
perilaku, dan standar yang berlaku. aspek tersebut dijalankan secara efektif dan sesuai dengan prinsip
tata kelola yang baik.
The Board of Commissioners monitors and directs the corporation to The Board of Commissioners has carried out monitoring and Complied
implement appropriate and effective risk management and internal supervision by providing advice and counseling to the Board of
control systems that are aligned with the corporate goals, objectives, Directors through a series of meetings. This meeting discusses risk
and strategies, as well as complying with applicable laws and management implementation at the Bank and SPI implementation,
regulations, codes of conduct, and standards. ensuring that both aspects are carried out effectively and in
accordance with good governance principles.
Rekomendasi 1.3.8: Keterangan:
Status:
Recommendation 1.3.8: Description:
Dewan Komisaris mengawasi dan mengarahkan agar tercapai Dewan Komisaris telah berdiskusi dengan Direksi mengenai penunjukan Terpenuhi
integritas akuntansi dan sistem pelaporan keuangan korporat, serta kantor akuntan publik untuk mengaudit Laporan Keuangan Tahunan,
independensi fungsi audit internal dan eksternal. serta membahas rencana audit Bank guna memastikan integritas
akuntansi, keandalan sistem pelaporan keuangan, dan menjaga
independensi fungsi audit internal maupun eksternal.
The Board of Commissioners supervises and directs the integrity of the The Board of Commissioners has discussed with the Board of Complied
corporate accounting and financial reporting system, as well as the Directors regarding the appointment of public accounting firm to
independence of internal and external audit functions. audit the Annual Financial Report, as well as discussed the Bank’s
audit plan to ensure accounting integrity, reliability of financial
reporting system, and maintain the independency of internal and
external audit functions.
Rekomendasi 1.3.9: Keterangan:
Status:
Recommendation 1.3.9: Description:
Dewan Komisaris memantau, mengkaji ulang, dan menyetujui Laporan Dewan Komisaris telah memantau, dan menelaah Laporan Tahunan Terpenuhi
Tahunan dan Laporan Keberlanjutan korporasi serta memastikan yang disusun Bank, termasuk memastikan untuk mencantumkan
integritasnya, serta mengawasi proses pengungkapan dan informasi mengenai Dewan Komisaris yang harus dicantumkan dalam
pengkomunikasian korporasi. Laporan Tahunan.
The Board of Commissioners monitors, reviews, and approves the The Board of Commissioners has monitored and reviewed the Annual Complied
Annual Report and Sustainability Report of the corporation, ensures Report prepared by the Bank, including in ensuring to include
their integrity, and oversees the corporation’s disclosure and information on the Board of Commissioners that must be included in
communication process. the Annual Report.
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Rekomendasi 1.3.10: Keterangan:
Status:
Recommendation 1.3.10: Description:
Piagam Dewan Komisaris secara periodik ditinjau. BOC Charter dikaji secara berkala dan telah diperbarui pada Terpenuhi
tanggal 6 Desember 2023 serta diunggah ke situs web Bank
(www.victoriabank.co.id).
The Board of Commissioners Charter is periodically reviewed. The BOC Charter is periodically reviewed, was lastly updated on Complied
6 December 2023, and is already uploaded to the Bank’s website
(www.victoriabank.co.id).
Rekomendasi 1.3.11: Keterangan:
Status:
Recommendation 1.3.11: Description:
Dewan Komisaris mempunyai kebijakan terkait pengunduran diri Dewan Komisaris telah memiliki BOC Charter yang mengatur Terpenuhi
anggota Dewan Komisaris apabila terlibat dalam kejahatan keuangan mengenai pemberhentian Dewan Komisaris apabila terlibat dalam
dan terbukti melakukan kesalahan. kejahatan keuangan dan terbukti melakukan kesalahan.
The Board of Commissioners has a policy on resignation of members The Board of Commissioners has the BOC Charter that regulates Complied
of the Board of Commissioners if involved in a financial crime and are the dismissal of the Board of Commissioners in the event they are
proven to have made a mistake. involved in a financial crime and are proven to have made a mistake.
Rekomendasi 1.3.12: Keterangan:
Status:
Recommendation 1.3.12: Description:
Komisaris independen sangat diharapkan untuk dapat berkontribusi Seluruh Komisaris Independen tidak memiliki hubungan keuangan, Terpenuhi
dalam diskusi yang jujur, objektif, aktif, dan konstruktif pada rapat kepengurusan, kepemilikan saham, dan/atau hubungan keluarga
Dewan Komisaris. dengan anggota Direksi, anggota Dewan Komisaris lain dan/atau
Pemegang Saham Pengendali, atau hubungan dengan Bank yang
dapat memengaruhi kemampuan yang bersangkutan untuk bertindak
independen. Independensi tersebut menunjukkan objektivitas
Komisaris Independen dalam menjalankan tugas, untuk berperan aktif,
objektif, dan konstruktif dalam menjalankan fungsinya.
Independent commissioners are highly expected to be able to All of the Independent Commissioners have no financial, management, Complied
contribute to honest, objective, active, and constructive discussions share ownership, and/or family relationships with members of
at the Board of Commissioners’ meetings. Board of Directors, other members of Board of Commissioners,
and/or Controlling Shareholders, or relationships with the Bank that
could affect their ability to act independently. This independency
demonstrates Independent Commissioners’ objectivity to carry out
their duties and to play an active, objective, and constructive roles in
performing their functions.
Rekomendasi 1.3.13: Keterangan:
Status:
Recommendation 1.3.13: Description:
Komisaris Utama berperan sebagai koordinator Dewan Komisaris dan Komisaris Utama telah menjalankan fungsinya secara optimal, Terpenuhi
memastikan efektivitasnya. Komisaris Utama mendorong budaya baik dalam perannya sebagai koordinator Dewan Komisaris dalam
keterbukaan dan dialog konstruktif yang memungkinkan berbagai memastikan efektivitas tugas dan tanggung jawab Dewan Komisaris.
pandangan diungkapkan, termasuk mengoordinasi penetapan Peran aktif Komisaris Utama ditunjukan dalam memimpin rapat
agenda rapat dewan yang tepat dan memastikan waktu yang cukup Dewan Komisaris sesuai agenda-agenda yang wajib dibahas, hingga
tersedia untuk mendiskusikan semua agenda. Selain itu, juga harus pengambilan keputusan secara kolegial.
ada kesempatan bagi Dewan Komisaris untuk bertemu dengan jajaran
Direksi dan Manajemen Senior.
The President Commissioner acts as the coordinator of the Board The President Commissioner has carried out the functions optimally, Complied
of Commissioners and ensures its effectiveness. The President both in the role as the coordinator of the Board of Commissioners
Commissioner promotes a culture of transparency and constructive and in ensuring the effectiveness of Board of Commissioners’ duties
dialogue that allows a variety of views to be expressed, including and responsibilities. The active roles of President Commissioner are
coordinating the setting of appropriate board meeting agenda and shown in leading the Board of Commissioners meeting according to
ensuring sufficient time is available to discuss all agenda items. In the agenda items that must be discussed, up to making decisions
addition, there should be opportunities for the Board of Commissioners collegially.
to meet with the Board of Directors and Senior Management.
Rekomendasi 1.4: Pembentukan Komite.
Recommendation 1.4: Establishment of a Committee.
Rekomendasi 1.4.1: Keterangan:
Status:
Recommendation 1.4.1: Description:
Korporasi memiliki komite-komite di bawah Dewan Komisaris Dewan Komisaris telah membentuk komite-komite di bawah Terpenuhi
sekurang-kurangnya terdiri dari: Komite Audit, Komite Remunerasi dan Dewan Komisaris yang terdiri dari Komite Pemantau Risiko, Komite
Nominasi, dan Komite Pemantau Manajemen Risiko. Remunerasi dan Nominasi, dan Komite Audit.
The Corporation has committees under the Board of Commissioners, The Board of Commissioners has established committees under the Complied
consisting of at least: Audit Committee, Remuneration and Nomination Board of Commissioners consisting of Risk Monitoring Committee,
Committee, and Risk Management Monitoring Committee. Remuneration and Nomination Committee, and Audit Committee.
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Rekomendasi 1.4.2: Keterangan:
Status:
Recommendation 1.4.2: Description:
Dewan Komisaris memastikan bahwa anggota Komite Audit seluruhnya Dewan Komisaris telah memastikan bahwa seluruh anggota Komite Terpenuhi
independen dan komite lain yang dibentuk Dewan Komisaris adalah Audit adalah pihak-pihak yang independen, mencakup Komisaris
mayoritas dari pihak independen, serta semua anggota komite memiliki Independen, dan pihak independen (Non-Komisaris) yang kompetensi
kompetensi, berkomitmen, serta memiliki wewenang yang memadai dan kapabilitasnya telah sesuai dengan kebutuhan pelaksanaan
untuk menjalankan perannya secara efektif dan independen. tugas Komite Audit, dan dipastikan pelaksanaan tugas dilaksanakan
secara efektif dan independen.
The Board of Commissioners ensures that all Audit Committee’s The Board of Commissioners has ensured that all Audit Committees’ Complied
members are independent, and majority of members of other members are independent parties, including Independent
committees established by the Board of Commissioners are Commissioners and independent parties (Non-Commissioners)
independent parties, and that all committee members are competent, whose competence and capabilities are in accordance with the
committed, and have sufficient authority to perform their roles in an needs of Audit Committee’s duties, and ensured that its duties are
effective and independent manner. carried out effectively and independently.
Rekomendasi 1.4.3: Keterangan:
Status:
Recommendation 1.4.3: Description:
Untuk memastikan pemantauan atas pelaksanaan tugas Komite Ketua Komite Audit dijabat oleh Bapak Zaenal Abidin Ph.D yang Penjelasan
Audit berjalan objektif dan independen, Komisaris Utama tidak boleh merupakan Komisaris Utama. Meski demikian, Bapak Zaenal Abidin Ph.D
menjadi ketua Komite Audit, kecuali dalam keadaan luar biasa yang merupakan Komisaris Utama Independen dan Bank menjamin
harus dijelaskan dalam Laporan Tahunan. independensinya dalam melaksanakan tugas dan tanggung jawabnya
sebagai Ketua Komite Audit.
To ensure objective and independent monitoring on the implementation The Chairman of Audit Committee is held by Mr. Zaenal Abidin Ph.D Explanation
of Audit Committee’s duties, the President Commissioner is not the President Commissioner. Nevertheless, Mr. Zaenal Abidin Ph.D is
allowed to be the chairman of Audit Committee, except in exceptional an Independent President Commissioner and the Bank guarantees
circumstances which must be explained in the Annual Report. his independence in performing his duties and responsibilities as the
Chairman of Audit Committee.
Rekomendasi 1.5: Penilaian Kinerja – Dewan Komisaris dan Anggotanya.
Recommendation 1.5: Performance Assessment – Board of Commissioners and its Members.
Rekomendasi 1.5.1: Keterangan:
Status:
Recommendation 1.5.1: Description:
Dewan Komisaris melakukan evaluasi formal tahunan secara objektif Pelaksanaan penilaian kinerja Dewan Komisaris dan komitenya Terpenuhi
untuk menentukan efektivitas Dewan, komitenya, dan setiap individu dilakukan setiap tahun (minimum setahun sekali). Penilaian kinerja
Komisaris. Dewan Komisaris dan komitenya menggunakan beberapa kriteria
sebagaimana yang tertuang dalam Laporan Tahunan ini.
The Board of Commissioners conducts an annual formal evaluation The performance assessment of the Board of Commissioners and Complied
objectively to determine the effectiveness of the Board, its committees, its committees is carried out every year (at least once a year). The
and each individual Commissioner. performance assessment of the Board of Commissioners and its
committees uses several criteria as stated in this Annual Report.
Rekomendasi 1.6: Benturan Kepentingan.
Recommendation 1.6: Conflict of Interest.
Rekomendasi 1.6.1: Keterangan:
Status:
Recommendation 1.6.1: Description:
Anggota Direksi yang mempunyai rangkap jabatan di luar korporasi, Tidak terdapat Direksi yang memiliki rangkap jabatan. Terpenuhi
harus mendapatkan persetujuan dari Dewan Komisaris. Seorang
Komisaris memberi tahu Dewan Komisaris dan ketua komite yang
menjalankan fungsi nominasi, sebelum menerima penunjukan baru
sebagai Direktur atau Komisaris dari korporasi terbuka, jabatan Direktur
lainnya atau posisi lain dengan komitmen waktu yang signifikan.
Members of the Board of Directors with concurrent positions outside There are no Board of Directors with concurrent positions. Complied
the corporation must obtain approval from the Board of Commissioners.
A Commissioner shall notify the Board of Commissioners and the
chairman of committee performing nominating function, prior to
accepting a new appointment as Director or Commissioner of a
publicly listed corporation, other Director positions, or other positions
with a significant time commitment.
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Rekomendasi 1.6.2: Keterangan:
Status:
Recommendation 1.6.2: Description:
Dewan Komisaris memantau dan mengelola potensi benturan Dewan Komisaris telah memantau dan mengelola potensi benturan Terpenuhi
kepentingan manajemen, anggota Direksi, Dewan Komisaris dan kepentingan Bank. Dalam pelaksanaan tugas dan tanggung
Pemegang Saham, termasuk penyalahgunaan aset korporasi dan jawabnya, seluruh anggota Dewan Komisaris berkomitmen untuk
penyalahgunaan dalam transaksi pihak berelasi. Komisaris yang menghindari terjadinya potensi benturan kepentingan atau selalu
memiliki benturan kepentingan tidak turut serta dalam pemantauan menempatkan diri untuk tidak berada dalam potensi terjadinya
dan pengambilan keputusan atas potensi benturan kepentingan yang benturan kepentingan dalam situasi apapun sebagaimana tercantum
melibatkan Komisaris atau afiliasi Komisaris yang bersangkutan. dalam BOC Charter. Dalam hal terjadi benturan kepentingan, anggota
Dewan Komisaris dilarang mengambil tindakan yang dapat merugikan
atau mengurangi keuntungan Bank dan wajib mengungkapkan
potensi benturan kepentingan dimaksud dalam setiap keputusan.
The Board of Commissioners monitors and manages potential The Board of Commissioners has monitored and managed potential Complied
conflicts of interest within the management, members of the Board conflicts of interest within the Bank. In performing their duties and
of Directors, Board of Commissioners, and Shareholders, including responsibilities, all members of the Board of Commissioners are
misuse of corporate assets and misuse of related party transactions. committed to avoiding potential conflicts of interest or always
Commissioners with conflicts of interest shall not participate in position themselves not to be involved in any situation containing
monitoring and making decisions on matters containing potential potential conflicts of interest as stated in the BOC Charter. In the
conflicts of interest involving the Commissioners or affiliates of the event of a conflict of interest, members of the Board of Commissioners
Commissioner concerned. are prohibited from taking actions that may harm or reduce the Bank’s
profits and must disclose the potential conflict of interest referred to
in every decision.
Rekomendasi 1.7: Peningkatan Kompetensi Anggota Direksi dan Dewan Komisaris.
Recommendation 1.7: Competency Improvement of Members of the Board of Directors and Board of Commissioners.
Rekomendasi 1.7.1: Keterangan:
Status:
Recommendation 1.7.1: Description:
Dewan Komisaris memastikan bahwa anggota Direksi dan Dewan Dewan Komisaris dan Direksi sebelum menjalankan tugas dan Terpenuhi
Komisaris memahami peran dan tanggung jawab mereka, karakteristik fungsinya sebagai Dewan Komisaris dan/atau Direksi telah mengikuti
dan operasi korporasi, peraturan perundang-undangan dan standar rangkaian kegiatan induksi untuk memastikan pemahaman atas tugas
yang relevan serta kewajiban lain yang berlaku. Direksi melalui dan tanggung jawab masing-masing sesuai regulasi. Secara berkala,
Sekretaris Korporasi mendukung semua anggota Direksi dan Dewan Dewan Komisaris dan Direksi juga mengikuti kegiatan pengembangan
Komisaris dalam memperbarui dan menyegarkan keterampilan dan kompetensi yang menunjang pelaksanaan tugas dan tanggung jawab
pengetahuan mereka yang diperlukan untuk menjalankan peran dalam memperbarui dan menyegarkan keterampilan dan pengetahuan
mereka di Dewan. yang diperlukan untuk menjalankan peran masing-masing.
The Board of Commissioners ensures that members of the Board of The Board of Commissioners and Board of Directors, prior to carrying Complied
Directors and Board of Commissioners understand their roles and out their duties and functions as the Board of Commissioners and/or
responsibilities, characteristics and operations of the corporation, Board of Directors, have attended a series of induction activities to
relevant laws and regulations, and other applicable standards ensure their understanding of respective duties and responsibilities
and obligations. The Board of Directors, through the Corporate in accordance with regulations. Periodically, the Board of
Secretary, supports all members of the Board of Directors and Board Commissioners and Board of Directors also attend competency
of Commissioners in updating and refreshing the required skills and development activities that support the implementation of duties
knowledge to perform their roles on the Board. and responsibilities in updating and refreshing the required skills and
knowledge to perform their respective roles.
Prinsip 2: Komposisi dan Remunerasi Direksi dan Dewan Komisaris
Principle 2: Composition and Remuneration of the Board of Directors and Board of Commissioners
Rekomendasi 2.1: Komposisi Direksi dan Dewan Komisaris.
Recommendation 2.1: Composition of the Board of Directors and Board of Commissioners.
Rekomendasi 2.1.1: Keterangan:
Status:
Recommendation 2.1.1: Description:
Dalam menentukan kandidat calon Direktur, Dewan Komisaris Saat ini, Bank belum menggunakan jasa pihak ketiga yang independen Penjelasan
melalui Komite Remunerasi dan Nominasi tidak hanya mengandalkan dalam proses seleksi kandidat Dewan Komisaris. Meskipun demikian,
rekomendasi dari Dewan Komisaris, manajemen atau Pemegang Saham Bank senantiasa memastikan penentuan kandidat calon Dewan
mayoritas. Dewan Komisaris melalui Komite Remunerasi dan Nominasi Komisaris dan Direksi sesuai dengan aturan yang berlaku dan
dapat menggunakan sumber independen untuk menentukan kandidat kualifikasi yang dibutuhkan oleh Bank.
yang memenuhi syarat.
In determining Director candidates, the Board of Commissioners, Currently, the Bank has not used the services of an independent Explanation
through the Remuneration and Nomination Committee, does not third party in the selection process of Board of Commissioners
rely solely on recommendations from the Board of Commissioners, candidates. Nevertheless, the Bank always ensures that the selection
management, or majority shareholders. The Board of Commissioners, of candidates for the Board of Commissioners and Board of Directors
through the Remuneration and Nomination Committee, may use is in accordance with applicable regulations and the qualifications
independent sources to determine qualified candidates. required by the Bank.
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Rekomendasi 2.1.2: Keterangan:
Status:
Recommendation 2.1.2: Description:
Dewan Komisaris memastikan bahwa kriteria dalam menyeleksi Melalui Komite Remunerasi dan Nominasi, Dewan Komisaris Terpenuhi
anggota Direksi mencakup paling tidak pengetahuan, kemampuan, menyeleksi kandidat Direksi yang sesuai dengan kriteria yang telah
dan keahlian yang dibutuhkan untuk memenuhi secara tepat peran ditetapkan.
Direksi serta memperhatikan terpenuhinya keberagaman Direksi.
The Board of Commissioners ensures that the criteria for selecting Through Remuneration and Nomination Committee, the Board of Complied
members of the Board of Directors include at least the required Commissioners selects candidates for Board of Directors who meet
knowledge, abilities, and expertise to properly meet the role of the the established criteria.
Board of Directors and pay attention to the fulfillment of the Board of
Directors’ diversity.
Rekomendasi 2.1.3: Keterangan:
Status:
Recommendation 2.1.3: Description:
Kebijakan korporasi tentang keberagaman pada Direksi dan Dewan Kebijakan Bank tentang keberagaman Dewan Komisaris dan Direksi Terpenuhi
Komisaris diungkapkan dalam Laporan Tahunan. telah diungkapkan dalam Laporan Tahunan ini.
The corporate policy on diversity in the Board of Directors and Board The Bank’s policy on diversity of the Board of Commissioners and Complied
of Commissioners is disclosed in the Annual Report. Board of Directors has been disclosed in this Annual Report.
Rekomendasi 2.1.4: Keterangan:
Status:
Recommendation 2.1.4: Description:
Dewan Komisaris memastikan bahwa kebijakan dan prosedur untuk Dewan Komisaris, bersama dengan Komite Remunerasi dan Nominasi, Terpenuhi
seleksi dan nominasi Komisaris adalah jelas dan transparan sehingga telah menjalankan fungsi dan tanggung jawabnya dalam memastikan
dapat menghasilkan komposisi Dewan yang diinginkan. Dewan bahwa proses nominasi dan remunerasi di Bank berjalan secara
Komisaris menggunakan sumber independen untuk menentukan transparan dan akurat. Langkah ini diambil untuk memastikan
kandidat yang memenuhi syarat. kepentingan Bank tetap terjaga, sekaligus mendukung tata kelola
yang adil dan berintegritas dalam pengelolaan sumber daya manusia.
The Board of Commissioners ensures that the policies and procedures The Board of Commissioners, together with the Remuneration Complied
for the selection and nomination of Commissioners are clear and and Nomination Committee, has performed its functions and
transparent so as to produce the desired Board composition. The responsibilities in ensuring that the nomination and remuneration
Board of Commissioners uses independent sources to determine process at the Bank runs transparently and accurately. This step
qualified candidates. was taken to ensure that the Bank’s interests are maintained, while
supporting fair and integrity-based governance in human capital
management.
Rekomendasi 2.1.5: Keterangan:
Status:
Recommendation 2.1.5: Description:
Dewan Komisaris/Komite yang menjalankan fungsi nominasi Komite Remunerasi dan Nominasi menjalankan fungsi nominasi Terpenuhi
menetapkan prosedur dan kriteria nominasi yang konsisten dengan berdasarkan prosedur dan kriteria nominasi yang tertuang dalam
matriks keahlian Dewan Komisaris yang telah disetujui Dewan Komisaris Pedoman dan Tata Tertib Komite Remunerasi dan Nominasi
dan memastikan bahwa profil kandidat memenuhi persyaratan yang No. 001/SK-KOM/01/24 tanggal 5 Januari 2024, Kebijakan Penerapan
ditetapkan dalam matriks keahlian dan kriteria nominasi. Tata Kelola dalam Pemberian Remunerasi No. 011/SK-KOM/01/24
tanggal 17 Januari 2024 dan disetujui oleh Dewan Komisaris.
The Board of Commissioners/Committee that performs the nomination The Remuneration and Nomination Committee carries out its Complied
function establishes nomination procedures and criteria, which are nomination function based on the nomination procedures and
consistent with the Board of Commissioners’ expertise matrix, which criteria set out in the Guidelines and Procedures of Remuneration
has been approved by the Board of Commissioners, and ensures and Nomination Committee No. 001/SK-KOM/01/24 dated 5 January
that the candidate profile meets the established requirements in the 2024, Policy on Governance Implementation in the Provision of
expertise matrix and nomination criteria. Remuneration No. 011/SK-KOM/01/24 dated 17 January 2024 and
approved by the Board of Commissioners.
Rekomendasi 2.1.6: Keterangan:
Status:
Recommendation 2.1.6: Description:
Komposisi Dewan Komisaris harus dibentuk sedemikian rupa sehingga Keberagaman komposisi Dewan Komisaris Bank yang diterapkan Terpenuhi
anggota-anggotanya secara kelompok mencerminkan keberagaman telah selaras dengan amanah Otoritas Jasa Keuangan yang tertuang
dalam hal kemampuan, keahlian, pengetahuan, pengalaman, usia, di dalam rekomendasi Otoritas Jasa Keuangan yang Ketentuan
latar belakang budaya, dan gender yang dibutuhkan untuk memenuhi tentang keberagaman komposisi Dewan Komisaris dan Direksi telah
secara tepat peran Dewan Komisaris. dimuat dalam Lampiran Surat Edaran Otoritas Jasa Keuangan
No. 32/SEOJK.04/2015 tentang Pedoman Tata Kelola Perusahaan
Terbuka.
The Board of Commissioners’ composition must be formed in such The diversity in the composition of the Bank’s Board of Commissioners Complied
a way that its members as a group reflect the diversity in terms of implemented is in line with the mandate of Financial Services Authority
abilities, skills, knowledge, experience, age, cultural background, as stated in the Financial Services Authority’s recommendations, and
and gender required to properly fulfill the roles of the Board of Provision on diversity in composition of the Board of Commissioners
Commissioners. and Board of Directors is set out in the Attachment to Financial
Services Authority Circular No. 32/SEOJK.04/2015 on Governance
Guidelines for Public Companies.
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Rekomendasi 2.1.7: Keterangan:
Status:
Recommendation 2.1.7: Description:
Untuk memampukan Dewan Komisaris dalam memberikan advis dan Dewan Komisaris telah memiliki jumlah Komisaris Independen yang Terpenuhi
supervisi secara independen kepada Direksi dan untuk peran-peran telah sesuai dengan peraturan perundang-undangan yang berlaku.
yang terdapat potensi benturan kepentingan, Dewan Komisaris terdiri Informasi lengkap terkait hal tersebut telah dipublikasikan dalam
dari Komisaris Independen yang cukup jumlahnya, dengan masa Laporan Tahunan ini.
jabatan yang dibatasi dan terdapat pengungkapan jangka waktu
keanggotaan Dewan Komisaris serta independensi mereka dari sudut
pandang korporasi.
To enable the Board of Commissioners to provide independent advice The Board of Commissioners has a number of Independent Complied
and supervision to the Board of Directors and for roles with potential Commissioners that is in accordance with applicable laws and
conflicts of interest, the Board of Commissioners shall consist of a regulations. Complete information related to this matter has been
sufficient number of Independent Commissioners, with a limited published in this Annual Report.
term of office and disclosure of the term of office of the Board of
Commissioners and their independence from a corporate perspective.
Rekomendasi 2.1.8: Keterangan:
Status:
Recommendation 2.1.8: Description:
Untuk memfasilitasi fungsi Direksi dan Dewan Komisaris yang efektif Komite Remunerasi dan Nominasi telah melakukan fungsi dan Terpenuhi
dan guna meningkatkan kepercayaan investor dan pemangku tanggung jawabnya dalam memastikan proses nominasi dan
kepentingan, Komite Remunerasi dan Nominasi memastikan bahwa remunerasi di Bank berjalan dengan benar dan transparan demi
terdapat proses yang formal, ketat, dan transparan untuk penunjukan kepentingan Bank. Hal ini bisa dilihat pada pembahasan di Laporan
dan pengangkatan anggota Direksi dan Dewan Komisaris. Tahunan ini.
To facilitate effective function of the Board of Directors and Board of The Remuneration and Nomination Committee has performed its Complied
Commissioners and to increase investors and stakeholders trust, the functions and responsibilities in ensuring that the nomination and
Remuneration and Nomination Committee ensures that there is a formal, remuneration process at the Bank runs properly and transparently in
rigorous, and transparent process for the selection and appointment of the interests of the Bank. This matter can be seen in the discussion
members of the Board of Directors and Board of Commissioners. in this Annual Report.
Rekomendasi 2.2: Remunerasi Direksi dan Dewan Komisaris.
Recommendation 2.2: Remuneration of the Board of Directors and Board of Commissioners.
Rekomendasi 2.2.1: Keterangan:
Status:
Recommendation 2.2.1: Description:
Kebijakan remunerasi anggota Direksi terdiri atas struktur remunerasi Bank memiliki dan menjalankan Kebijakan Penerapan Tata Terpenuhi
yang berorientasi pada pengembangan korporasi yang berkelanjutan Kelola dalam Pemberian Remunerasi sesuai Keputusan Direksi
dan mendorong pencapaian tujuan jangka panjang. Remunerasi No. 011/SK-DIR/01/24 tanggal 17 Januari 2024. Kebijakan remunerasi
Direksi harus diusulkan, dapat dengan melalui Komite Remunerasi Bank disusun dengan mengedepankan sistem remunerasi
dan Nominasi, oleh Dewan Komisaris untuk diputuskan oleh RUPS. yang kompetitif, adil dan seimbang, berdasarkan peraturan
Jumlah remunerasi yang diusulkan kepada RUPS tersebut ditetapkan perundang-undangan yang berlaku dan dikaji ulang secara berkala.
dengan mempertimbangkan peran setiap anggota Direksi dan situasi
ekonomi serta kinerja korporasi.
The remuneration policy for the Board of Directors’ members consists The Bank has and implements the Policy on Governance Complied
of a remuneration structure that is oriented towards sustainable Implementation in the Provision of Remuneration in accordance
corporate development and encourages the achievement of with the Board of Directors’ Decision Letter No. 011/SK-DIR/01/24
long-term goals. The Board of Directors’ remuneration must be dated 17 January 2024. The Bank’s remuneration policy is prepared
proposed, possibly through the Remuneration and Nomination by prioritizing a competitive, fair and balanced remuneration system,
Committee, by the Board of Commissioners to be resolved by the based on applicable laws and regulations and is reviewed periodically.
GMS. The remuneration amount proposed to the GMS is determined
by considering the role of each member of the Board of Directors, the
economic situation, and the corporate performance.
Rekomendasi 2.2.2: Keterangan:
Status:
Recommendation 2.2.2: Description:
Kebijakan remunerasi anggota Dewan Komisaris terdiri atas struktur Bank menyusun struktur, kebijakan, dan besaran remunerasi Terpenuhi
remunerasi yang berorientasi pada pengembangan korporasi yang masing-masing anggota Dewan Komisaris dengan memperhatikan
berkelanjutan dan mendorong pencapaian tujuan jangka panjang. tugas, wewenang, kinerja, dan tanggung jawab Dewan Komisaris.
Jumlah remunerasi yang diusulkan Dewan Komisaris kepada Bank juga memperhatikan remunerasi yang berlaku di industri sejenis
RUPS tersebut ditetapkan dengan mempertimbangkan peran (peers group) dan kemampuan Bank.
setiap anggota Dewan Komisaris dan situasi ekonomi serta kinerja
korporasi. Di samping itu juga harus dipertimbangkan posisinya
sebagai Komisaris Utama dan ketua serta keanggotaannya dalam
komite-komite.
The remuneration policy for the Board of Commissioners’ members The Bank prepares the structure, policies, and remuneration amount Complied
consists of a remuneration structure that is oriented towards for each member of the Board of Commissioners by considering
sustainable corporate development and encourages the achievement duties, authorities, performance, and responsibilities of the Board of
of long-term goals. The remuneration amount proposed by the Board Commissioners. The Bank also pays attention to the remuneration
of Commissioners to the GMS is determined by considering the role of that applies in similar industries (peer groups) as well as the Bank’s
each member of the Board of Commissioners, the economic situation, capabilities.
and the corporate performance. In addition, it must also consider
his/her position as President Commissioner and chairman as well as
membership in committees.
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Rekomendasi 2.2.3: Keterangan:
Status:
Recommendation 2.2.3: Description:
Untuk memastikan bahwa paket remunerasi ditentukan berdasarkan Komite Remunerasi dan Nominasi melakukan pembahasan atas Terpenuhi
prestasi, kualifikasi, dan kompetensi Direktur dan Komisaris dengan remunerasi Dewan Komisaris dengan mempertimbangkan skala
memperhatikan kinerja operasi korporasi, kinerja individu dan kondisi usaha, kompleksitas usaha, peer group, tingkat inflasi, kondisi dan
pasar, Komite Remunerasi dan Nominasi memastikan bahwa terdapat kemampuan keuangan Bank, dan sesuai dengan peraturan yang
prosedur yang adil dan transparan untuk menetapkan kebijakan berlaku. Selanjutnya, remunerasi Dewan Komisaris dan Direksi
remunerasi anggota Direksi dan Dewan Komisaris. ditetapkan oleh RUPS.
To ensure that the remuneration package is determined based on the The Remuneration and Nomination Committee discusses the Complied
achievements, qualifications, and competencies of the Directors and remuneration for the Board of Commissioners by considering the
Commissioners by considering the corporate operational performance, business scale, business complexity, peer group, inflation rate,
individual performance, and market conditions, the Remuneration and financial condition and capability of the Bank, and in accordance with
Nomination Committee ensures that there are fair and transparent applicable regulations. Furthermore, the remuneration for the Board
procedures for establishing remuneration policies for members of the of Commissioners and Board of Directors is determined by the GMS.
Board of Directors and Board of Commissioners.
Prinsip 3: Hubungan Kerja Antara Direksi dan Dewan Komisaris
Principle 3: Working Relationship Between the Board of Directors and Board of Commissioners
Rekomendasi 3.1: Sifat Hubungan Kerja.
Recommendation 3.1: Nature of Working Relationship.
Rekomendasi 3.1.1: Keterangan:
Status:
Recommendation 3.1.1: Description:
Terdapat diskusi yang terbuka antara Direksi dengan Dewan Komisaris Dewan Komisaris dan Direksi secara sinergis bekerja sama dalam Terpenuhi
serta di antara para anggota Direksi dan para anggota Dewan merumuskan visi, misi, dan strategi Bank melalui rapat serta forum
Komisaris. Namun, tetap penting menjaga kerahasiaan informasi agar dan pertemuan lainnya.
tidak terjadi kebocoran informasi rahasia.
There are open discussions between the Board of Directors and the The Board of Commissioners and Board of Directors synergistically Complied
Board of Commissioners as well as among members of the Board of work together in formulating the Bank’s vision, mission, and strategy
Directors and members of the Board of Commissioners. However, it through meetings and other forums and meetings.
remains important to maintain the confidentiality of information to
avoid leakage of confidential information.
Rekomendasi 3.1.2: Keterangan:
Status:
Recommendation 3.1.2: Description:
Sesuai dengan tugas dan perannya masing-masing, Direksi bekerja Setiap tahun, strategi dan kebijakan Bank dalam jangka pendek Terpenuhi
sama dengan Dewan Komisaris dalam merumuskan misi, visi, dan strategi dan menengah disusun dalam bentuk RBB sesuai dengan Visi dan
korporasi dan secara reguler membahas pengimplementasiannya. Misi yang telah ditetapkan. Secara berkala, Direksi bersama Dewan
Komisaris beserta jajaran manajemen senior Bank melakukan evaluasi
berkala terhadap strategi dan kebijakan Bank serta implementasinya
di seluruh level organisasi.
In accordance with their respective duties and roles, members of the Every year, the Bank’s strategy and policies in the short and medium Complied
Board of Directors cooperate with those of the Board of Commissioners term are prepared in the form of RBB in accordance with the
in formulating corporate missions, visions, and strategies, and regularly established Vision and Mission. Periodically, the Board of Directors,
discuss their implementation. together with the Board of Commissioners along with the Bank’s
senior management, evaluates the Bank’s strategy and policies and
their implementation at all levels of the organization.
Rekomendasi 3.1.3: Keterangan:
Status:
Recommendation 3.1.3: Description:
Sekretaris Korporasi memiliki peran penting dalam mendukung Bapak Caprie Ardira Azhar selaku Kepala Divisi Corporate Secretary Terpenuhi
efektivitas hubungan kerja antara Direksi dengan Dewan Komisaris, memiliki peranan strategis dalam mendukung efektivitas hubungan
mendorong implementasi praktik governansi korporat yang baik, kerja antara Direksi dan Dewan Komisaris, serta secara aktif
termasuk komunikasi yang efektif dengan Pemegang Saham dan mendorong implementasi praktik tata kelola korporat yang baik,
pemangku kepentingan lainnya. termasuk komunikasi dengan Pemegang Saham serta pemangku
kepentingan lainnya.
The Corporate Secretary has a crucial role in supporting the Mr. Caprie Ardira Azhar as Head of Corporate Secretary Division Complied
effectiveness of working relationship between the Board of Directors has a strategic role in supporting the effectiveness of the working
and the Board of Commissioners, encouraging the implementation relationship between the Board of Directors and the Board of
of good corporate governance practices, including effective Commissioners, as well as actively encouraging the implementation
communication with Shareholders and other stakeholders. of good corporate governance practices, including communication
with Shareholders and other stakeholders.
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Rekomendasi 3.2: Akses informasi Dewan Komisaris.
Recommendation 3.2: Access to Information for the Board of Commissioners.
Rekomendasi 3.2.1: Keterangan:
Status:
Recommendation 3.2.1: Description:
Direksi bertanggung jawab untuk memastikan Dewan Komisaris Untuk memastikan fungsi pengawasan Dewan Komisaris dapat Terpenuhi
mendapatkan akses informasi yang akurat, relevan, dan tepat waktu. berjalan secara efektif, maka Direksi memastikan Dewan Komisaris
Dewan Komisaris sendiri memastikan bahwa ia memperoleh informasi mendapatkan akses informasi secara akurat, relevan, dan tepat
yang memadai. Direksi menyediakan informasi kepada Dewan waktu. Anggaran Dasar dan kebijakan internal Bank memastikan
Komisaris secara teratur, tanpa penundaan, dan secara komprehensif ketersediaan informasi bagi Dewan Komisaris termasuk kewenangan
tentang semua masalah yang relevan dengan korporasi. Dewan Dewan Komisaris untuk sewaktu-waktu meminta Direksi untuk
Komisaris sewaktu-waktu dapat meminta Direksi untuk memberikan memberikan informasi tambahan.
informasi tambahan.
The Board of Directors is responsible for ensuring that the Board of To ensure that the Board of Commissioners’ supervisory function Complied
Commissioners has access to accurate, relevant, and timely information. can run effectively, the Board of Directors ensures that the Board of
The Board of Commissioners itself ensures that it obtains adequate Commissioners has access to information that is accurate, relevant,
information. The Board of Directors provides information to the Board and timely. The Bank’s Articles of Association and internal policies
of Commissioners regularly, without delay, and comprehensively on all ensure the availability of information for the Board of Commissioners,
matters relevant to the corporation. The Board of Commissioners may at including the authority of the Board of Commissioners to at any time
any time request additional information to the Board of Directors. request the Board of Directors to provide additional information.
Rekomendasi 3.3: Tanggung Jawab Direksi dan Dewan Komisaris Atas Dampak Struktur.
Recommendation 3.3: Responsibilities of the Board of Directors and Board of Commissioners on Impacts of the Structure.
Rekomendasi 3.3.1: Keterangan:
Status:
Recommendation 3.3.1: Description:
Dampak struktur kepemilikan terhadap korporasi. Direksi dan Dewan Dewan Komisaris dan Direksi Bank melaksanakan tugas dan tanggung Terpenuhi
Komisaris mempertimbangkan tanggung jawabnya dalam konteks jawab secara objektif dan independen.
struktur kepemilikan saham dan hubungan antar-Pemegang Saham
korporasi yang mungkin berdampak terhadap pengelolaan dan
operasi korporasi.
The impact of ownership structure on the corporation. The Board of The Bank’s Board of Commissioners and Board of Directors perform Complied
Directors and Board of Commissioners consider their responsibilities their duties and responsibilities objectively and independently.
in the context of shareholding structure and relationships between
corporate Shareholders, which may have an impact on corporate
management and operations.
Prinsip 4: Perilaku Etis dan Bertanggung Jawab
Principle 4: Ethical and Responsible Conduct
Rekomendasi 4.1: Pedoman Etika dan Perilaku.
Recommendation 4.1: Code of Conduct.
Rekomendasi 4.1.1: Keterangan:
Status:
Recommendation 4.1.1: Description:
Pernyataan ini dituangkan dalam Pedoman Perilaku dan Etika Usaha Bank memiliki Pedoman Kode Etik yang tertuang dalam Surat Terpenuhi
yang harus secara jelas mengungkapkan harapan korporasi bahwa Keputusan Direksi No. 024/SK-DIR/02/23 tanggal 24 Februari 2023
setiap anggota Direksi dan Dewan Komisaris serta karyawan akan: tentang Pedoman Kode Etik Perilaku Karyawan, dan kebijakan
1. Bertindak untuk kepentingan terbaik korporasi; pencegahan anti-fraud yang tertuang dalam Surat Keputusan
2. Bertindak dengan jujur dan dengan integritas berstandar tinggi; Direksi No. 007/SK-DIR/10/24 tanggal 16 Oktober 2024 tentang
3. Bersikap independen dan bertindak berdasarkan informasi yang Kebijakan Penerapan Strategi Anti-Fraud, yang wajib ditaati oleh
lengkap, dengan iktikad baik, dengan uji tuntas dan kehati-hatian; seluruh insan Bank. Informasi lebih lengkap disampaikan dalam
4. Mematuhi peraturan perundang-undangan yang berlaku bagi Laporan Tahunan ini.
korporasi dan operasinya;
5. Menghindari tindakan yang melanggar peraturan perundang-undangan
atau tindakan yang tidak etis berdasarkan pedoman etika korporasi;
6. Tidak terlibat atau berpartisipasi dalam kegiatan apa pun yang
akan menimbulkan benturan kepentingan dengan kepentingan terbaik
korporasi atau yang akan berdampak negatif terhadap reputasi korporasi;
7. Tidak mengambil manfaat atas properti atau informasi yang dimiliki
korporasi, kepemilikan aset lainnya atau pelanggannya untuk
kepentingan pribadi atau yang menyebabkan kerugian bagi korporasi
dan pelanggannya;
8. Tidak memanfaatkan jabatannya atau peluang yang dihasilkan oleh
jabatannya untuk kepentingan pribadi;
9. Menghindari perbuatan meminta atau menerima dari pihak ketiga
pembayaran, gratifikasi atau keuntungan lain untuk dirinya sendiri atau
untuk orang lain yang menimbulkan benturan kepentingan/memberikan
keuntungan kepada pihak ketiga secara melanggar peraturan
perundang-undangan;
10. Menghormati perbedaan pendapat dan hak-hak setiap anggota
Direksi, Dewan Komisaris, dan karyawan; dan
11. Memastikan pengungkapan yang lengkap, adil, akurat, tepat waktu,
dan dapat dipahami dalam laporan dan dokumen yang disampaikan
korporasi kepada regulator dan dalam komunikasi publik lainnya.
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This statement is set out in the Code of Conduct and Business Ethics, The Bank has the Code of Conduct as stated in the Board of Directors’ Complied
which must clearly state the corporate expectation that each member of Decision Letter No. 024/SK-DIR/02/23 dated 24 February 2023 on
the Board of Directors and Board of Commissioners and employees will: Employee’s Code of Conduct, and anti-fraud prevention policy as
1. Act in the best interests of the corporation; stated in the Board of Directors’ Decision Letter No. 007/SK-DIR/10/24
2. Act honestly and with a high standard of integrity; dated 16 October 2024 on Anti-Fraud Strategy Implementation
3. Be independent and act based on complete information, in good Policy, which must be complied by all Bank personnel. More detailed
faith, with due diligence and prudence; information is presented in this Annual Report.
4. Comply with laws and regulations that apply to the corporation and
its operations;
5. Avoid actions that violate laws and regulations or unethical actions
based on corporate ethics guidelines;
6. Not be involved or participate in any activity that will create a conflict
of interest with the corporation’s best interests or have a negative
impact on the corporation’s reputation;
7. Not take advantage of property or information owned by the
corporation, ownership of other assets or its customers, for personal
gain or which causes harm to the corporation and its customers;
8. Not take advantage of the position or opportunities generated by the
position for personal gain;
9. Avoid the act of requesting or receiving from third parties payments,
gratuities, or other benefits for oneself or for other people that will
lead to conflicts of interest/provide benefits to third parties by
violating the laws and regulations;
10. Respect differences of opinion and the rights of each member of the
Board of Directors, Board of Commissioners, and employees; and
11. Ensure complete, fair, accurate, timely, and understandable
disclosure in reports and documents submitted by the corporation to
regulators and in other public communications.
Rekomendasi 4.1.2: Keterangan:
Status:
Recommendation 4.1.2: Description:
Direksi menetapkan kebijakan dan praktik anti-pencucian uang Bank memiliki Pedoman Kode Etik yang tertuang dalam Surat Terpenuhi
dan pendanaan terorisme, anti-suap, anti-korupsi, anti-kecurangan Keputusan Direksi No. 024/SK-DIR/02/23 tanggal 24 Februari 2023
(anti-fraud), keterlibatan dalam politik dengan mengacu pada standar tentang Pedoman Kode Etik Perilaku Karyawan, dan kebijakan
nasional atau internasional mengenai anti-pencucian uang, anti-suap, pencegahan anti-fraud yang tertuang dalam Surat Keputusan Direksi
anti-korupsi, anti-kecurangan, atau standar terkait lainnya. No. 007/SK-DIR/10/24 tanggal 16 Oktober 2024 tentang Kebijakan
Penerapan Strategi Anti-Fraud, yang wajib ditaati oleh seluruh insan
Bank. Informasi lebih lengkap disampaikan dalam Laporan Tahunan ini.
The Board of Directors establishes policies and practices for anti-money The Bank has the Code of Conduct as stated in the Board of Directors’ Complied
laundering and terrorist financing, anti-bribery, anti-corruption, Decision Letter No. 024/SK-DIR/02/23 dated 24 February 2023 on
anti-fraud, political involvement with reference to the national or Employee’s Code of Conduct, and anti-fraud prevention policy as
international standards regarding anti-money laundering, anti-bribery, stated in the Board of Directors’ Decision Letter No. 007/SK-DIR/10/24
anti-corruption, anti-fraud, or other related standards. dated 16 October 2024 on Anti-Fraud Strategy Implementation
Policy, which must be complied by all Bank personnel. More detailed
information is presented in this Annual Report.
Rekomendasi 4.2: Nilai–Nilai dan Budaya Organisasi.
Recommendation 4.2: Corporate Values and Culture.
Rekomendasi 4.2.1: Keterangan:
Status:
Recommendation 4.2.1: Description:
Korporasi mengartikulasikan, menumbuhkan, dan mengungkapkan Bank menetapkan dan memberlakukan SQEW sebagai nilai utama Terpenuhi
budaya serta nilai-nilai korporasi. yang harus diimplementasikan oleh segenap insan Bank dalam
menjalankan/melaksanakan tugas sehari-hari. Proses internalisasi
SQEW dilakukan melalui berbagai aktivitas dan metode yang
senantiasa dievaluasi agar implementasi dari nilai tersebut dapat
berjalan dengan optimal.
The corporation articulates, fosters, and discloses corporate culture The Bank determines and enforces SQEW as the main value that must Complied
and values. be implemented by all Bank personnel in carrying out/implementing
daily tasks. The SQEW internalization process is carried out through
various activities and methods that are constantly evaluated for the
implementation of these values to run optimally.
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Tata Kelola Perusahaan
Good Corporate Governance
Rekomendasi 4.3: Penegakan dan Komunikasi Pedoman Etika, Nilai-Nilai, dan Budaya.
Recommendation 4.3: Enforcement and Communication of the Code of Conduct, Values, and Culture.
Rekomendasi 4.3.1: Keterangan:
Status:
Recommendation 4.3.1: Description:
Pedoman perilaku dan kode etik korporasi dikomunikasikan secara Direksi secara konsisten melakukan internalisasi Kode Etik untuk Terpenuhi
efektif kepada Direksi, Dewan Komisaris, serta seluruh karyawan, membentuk sikap dan karakter setiap insan Bank. Internalisasi
diintegrasikan ke dalam strategi dan operasi korporasi termasuk sistem diintegrasikan ke dalam strategi dan operasi Bank, termasuk sistem
manajemen risiko dan struktur remunerasi, serta ditegakkan. manajemen risiko dan struktur remunerasi yang disusun.
The corporate code of conduct and code of ethics are communicated The Board of Directors consistently internalizes the Code of Complied
effectively to the Board of Directors, Board of Commissioners, and all Conduct to shape the attitude and character of all Bank personnel.
employees, integrated into corporate strategy and operations, including Internalization is integrated into the Bank’s strategy and operations,
risk management system and remuneration structure, and being enforced. including risk management system and remuneration structure that
are prepared.
Prinsip 5: Manajemen Risiko, Pengendalian Internal, dan Kepatuhan
Principle 5: Risk Management, Internal Control, and Compliance
Rekomendasi 5.1: Pengendalian Internal dan Kepatuhan.
Recommendation 5.1: Internal Control and Compliance.
Rekomendasi 5.1.1: Keterangan:
Status:
Recommendation 5.1.1: Description:
Direksi melakukan kaji ulang secara berkala atas ketepatan desain Direksi melakukan implementasi, kaji ulang, dan pemutakhiran Terpenuhi
dan efektivitas operasional sistem governansi, pengelolaan risiko, tata kelola Bank, pengelolaan risiko, pengendalian internal, dan
pengendalian internal, dan kepatuhan korporasi dan melaporkan kepatuhan Bank, serta melaporkannya dalam Laporan Tahunan ini
pelaksanaan dan hasil kaji ulang kepada para Pemegang Saham sebagai bentuk pelaporan kepada Pemegang Saham dan pemangku
melalui Laporan Tahunan Korporasi. kepentingan, yang selanjutnya dilaporkan dalam RUPS.
The Board of Directors periodically reviews the accuracy of designs The Board of Directors implements, reviews, and updates the Bank’s Complied
and operational effectiveness of the governance system, risk governance, risk management, internal control, and compliance,
management, internal control, and corporate compliance and reports and reports them in this Annual Report as a form of reporting to
the implementation and review results to Shareholders through the Shareholders and stakeholders, which is then reported at the GMS.
Corporate Annual Report.
Rekomendasi 5.2: Manajemen Risiko.
Recommendation 5.2: Risk Management.
Rekomendasi 5.2.1: Keterangan:
Status:
Recommendation 5.2.1: Description:
Strategi dan risiko merupakan satu kesatuan, diungkapkan secara Dewan Komisaris dan Direksi senantiasa melakukan pengelolaan dan Terpenuhi
transparan, masuk ke dalam pelaksanaan tugas dan tanggung jawab pemantauan risiko-risiko utama Bank dengan baik. Menyeimbangkan
Direksi dan Dewan Komisaris, serta dalam diskusi di rapat Dewan antara risiko, budaya kepatuhan, dan kecukupan modal juga menjadi
Komisaris dan Direksi. kebijakan pilar strategis Bank. Dewan Komisaris dan Direksi dibantu
oleh Komite Pemantau Risiko dan Komite Manajemen Risiko secara
berkala memantau dan mengkaji efektivitas pengendalian dan
pengelolaan risiko di setiap rapat dibantu juga oleh SKAI.
Strategy and risk is a unity, disclosed transparently, included in the The Board of Commissioners and Board of Directors always manage Complied
implementation of duties and responsibilities of the Board of Directors and monitor the Bank’s main risks properly. Balancing risk, compliance
and Board of Commissioners, as well as in discussions at meetings of culture, and capital adequacy is also the Bank’s strategic pillar policy.
the Board of Commissioners and Board of Directors. The Board of Commissioners and Board of Directors are assisted by
the Risk Monitoring Committee and Risk Management Committee,
which regularly monitor and review the effectiveness of risk control and
management at each meeting, and are also assisted by the SKAI.
Rekomendasi 5.2.2: Keterangan:
Status:
Recommendation 5.2.2: Description:
Komite Pemantau Manajemen Risiko membantu pelaksanaan tugas Komite Pemantau Risiko sebagai salah satu Komite di bawah Dewan Terpenuhi
Dewan Komisaris dengan menciptakan mekanisme yang transparan, Komisaris telah membantu pelaksanaan tugas Dewan Komisaris
fokus, dan independen dalam pengawasan manajemen risiko korporasi. dengan menciptakan mekanisme yang transparan, fokus, dan
independen dalam pengawasan manajemen risiko Bank, dengan
berpedoman pada Piagam Komite Pemantau Risiko.
The Risk Management Monitoring Committee assists the The Risk Monitoring Committee as one of the Committees under the Complied
implementation of the Board of Commissioners’ duties by creating Board of Commissioners has assisted in the Board of Commissioners’
a transparent, focused, and independent mechanism for overseeing duty implementation by creating a transparent, focused, and
corporate risk management. independent mechanism in supervising the Bank’s risk management,
guided by the Risk Monitoring Committee Charter.
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Rekomendasi 5.3: Integrasi Governansi, Manajemen Risiko, dan Kepatuhan.
Recommendation 5.3: Integration of Governance, Risk Management, and Compliance.
Rekomendasi 5.3.1: Keterangan:
Status:
Recommendation 5.3.1: Description:
Direksi membangun sistem governansi, manajemen risiko, dan Direksi membangun sistem tata kelola, manajemen risiko, dan kepatuhan Terpenuhi
kepatuhan (GRC) yang terintegrasi, dengan menangani berbagai (GRC) yang terintegrasi, dengan menangani berbagai ketidakpastian
ketidakpastian secara terpadu dan dengan integritas yang tinggi, secara terpadu dan dengan integritas yang tinggi, untuk meyakinkan
untuk meyakinkan bahwa korporasi dapat mencapai tujuannya. bahwa Bank dapat mencapai tujuan yang telah ditetapkan.
The Board of Directors establishes an integrated governance, risk The Board of Directors has built an integrated governance, risk Complied
management, and compliance (GRC) system, by handling various management, and compliance (GRC) system, by handling various
uncertainties in an integrated manner and with high integrity, to uncertainties in an integrated manner and with high integrity, to
ensure that the corporation can achieve its objectives. ensure that the Bank can achieve its stated goals.
Rekomendasi 5.3.2: Keterangan:
Status:
Recommendation 5.3.2: Description:
Direksi memastikan bahwa bagian yang membawahi fungsi kepatuhan Direktur Kepatuhan dan Manajemen Risiko serta organ di bawahnya Terpenuhi
tidak merangkap melaksanakan fungsi yang berpotensi menimbulkan yang membawahi fungsi kepatuhan tidak merangkap melaksanakan
benturan kepentingan. fungsi yang berpotensi menimbulkan benturan kepentingan
sebagaimana digambarkan dalam Struktur Organisasi Bank dalam
Laporan Tahunan ini.
The Board of Directors ensures that the division in charge of the The Director of Compliance and Risk Management and all its Complied
compliance function does not concurrently perform functions that sub-organs who oversee the compliance function do not concurrently
have the potential to cause a conflict of interest. perform functions that have the potential to cause a conflict of
interest as described in the Bank’s Organizational Structure in this
Annual Report.
Rekomendasi 5.4: Audit Internal.
Recommendation 5.4: Internal Audit.
Rekomendasi 5.4.1: Keterangan:
Status:
Recommendation 5.4.1: Description:
Dewan Komisaris melalui Komite Audit memantau dan memastikan Dewan Komisaris melalui Komite Audit telah melakukan pemantauan Terpenuhi
bahwa fungsi audit internal membantu korporasi untuk mencapai bahwa fungsi audit internal Bank telah dilaksanakan sesuai
tujuannya dengan membawa pendekatan yang objektif dan disiplin kebutuhan, dengan objektif dan tujuan yang strategis dan terukur.
untuk mengevaluasi dan meningkatkan efektivitas manajemen risiko,
pengendalian internal, dan governansi korporat.
The Board of Commissioners, through the Audit Committee, oversees The Board of Commissioners, through the Audit Committee, has Complied
and ensures that the internal audit function assists the corporation to overseen that the Bank’s internal audit function is implemented as
achieve its objectives through an objective and disciplined approach necessary, with strategic and measurable objectives and goals.
to evaluate and improve the effectiveness of risk management, internal
control, and corporate governance.
Prinsip 6: Pengungkapan dan Transparansi
Principle 6: Disclosure and Transparency
Rekomendasi 6.1: Kebijakan Pengungkapan.
Recommendation 6.1: Disclosure Policy.
Rekomendasi 6.1.1: Keterangan:
Status:
Recommendation 6.1.1: Description:
Korporasi memiliki kebijakan dan prosedur pengungkapan dan Anggaran Dasar Bank telah mengatur pengungkapan informasi Terpenuhi
transparansi yang memastikan pengungkapan informasi material dan material dan menjaga informasi sensitif serta rahasia, serta kewajiban
menjaga informasi sensitif serta rahasia korporasi. pengungkapan/keterbukaan informasi berdasarkan peraturan berlaku.
The corporation has disclosure and transparency policies and The Bank’s Articles of Association have regulated the disclosure Complied
procedures that ensure disclosure of material information and of material information and maintaining sensitive and confidential
safeguard sensitive information as well as corporate secrets. information, as well as the obligation to disclose/open information
based on applicable regulations.
Rekomendasi 6.1.2: Keterangan:
Status:
Recommendation 6.1.2: Description:
Hak Pemegang Saham untuk memperoleh secara teratur dan tepat Bank memastikan bahwa seluruh Pemegang Saham memiliki hak yang Terpenuhi
waktu informasi material yang relevan tentang korporasi harus setara dalam menerima informasi material yang akurat, tepat waktu,
dipenuhi. dan berkala. Penyampaian informasi ini dilakukan sesuai dengan
peraturan yang berlaku, sehingga transparansi dan keadilan dalam
pengelolaan Bank dapat terjaga dengan baik.
Shareholders’ rights to obtain regularly and timely relevant material The Bank ensures that all Shareholders have equal rights to Complied
information regarding the corporation must be fulfilled. receive accurate, timely, and periodic material information. This
information is delivered in accordance with applicable regulations,
so that transparency and fairness in the Bank management can be
maintained properly.
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Tata Kelola Perusahaan
Good Corporate Governance
Rekomendasi 6.2: Laporan Keuangan dan Keberlanjutan.
Recommendation 6.2: Financial Statements and Sustainability Report.
Rekomendasi 6.2.1: Keterangan:
Status:
Recommendation 6.2.1: Description:
Korporasi mengungkapkan sistem dan prosedur untuk memastikan Bank memiliki kebijakan internal, antara lain melalui fungsi Komite Terpenuhi
bahwa Laporan Keuangan Interim yang tidak diaudit atau dikaji ulang Audit, untuk melakukan penelaahan atas informasi keuangan yang
oleh auditor eksternal secara material adalah akurat, lengkap, dan akan dikeluarkan Bank kepada publik dan/atau pihak otoritas, antara
memberikan investor informasi yang tepat untuk membuat keputusan lain Laporan Keuangan, proyeksi, dan laporan lainnya terkait dengan
investasi yang tepat. informasi keuangan.
The Corporation discloses systems and procedures to ensure that The Bank has an internal policy, including through the Audit Complied
Interim Financial Statements that are not materially audited or Committee function, to review financial information to be issued
reviewed by external auditors are accurate, complete, and provide by the Bank to the public and/or authorities, including Financial
investors with the appropriate information to make the right Statements, projections, and other reports related to financial
investment decisions. information.
Rekomendasi 6.2.2: Keterangan:
Status:
Recommendation 6.2.2: Description:
Komite Audit memastikan kualitas audit Laporan Keuangan Tugas dan tanggung jawab Komite Audit antara lain melakukan Terpenuhi
yang dilaksanakan oleh auditor eksternal. Kegiatan ini termasuk evaluasi terhadap pelaksanaan pemberian jasa audit atas informasi
merekomendasikan penunjukan, penunjukan kembali, dan jika perlu, keuangan historis tahunan oleh akuntan publik dan/atau kantor
pemberhentian, serta remunerasi auditor eksternal. akuntan publik.
The Audit Committee ensures the quality of audit on Financial Duties and responsibilities of the Audit Committee include evaluating Complied
Statements conducted by the external auditors. This activity includes the implementation of the provision of audit services for annual
recommending the appointment, reappointment, and, if necessary, historical financial information by public accountant and/or public
dismissal, and remuneration of the external auditors. accounting firm.
Rekomendasi 6.2.3: Keterangan:
Status:
Recommendation 6.2.3: Description:
Laporan Keberlanjutan harus disiapkan dan diungkapkan dengan Laporan Keberlanjutan Bank disusun sesuai kerangka pelaporan Penjelasan
akurat dan disusun sesuai kerangka pelaporan keberlanjutan nasional keberlanjutan dari Peraturan Otoritas Jasa Keuangan. Meski demikian,
atau internasional. pelaporan keberlanjutan Bank telah memuat beberapa kriteria GRI
meskipun belum sepenuhnya.
The Sustainability Report shall be accurately prepared and The Sustainability Report of the Bank is prepared in accordance Explanation
disclosed and compiled in accordance with national or international with the sustainability reporting framework of the Financial Services
sustainability reporting frameworks. Authority Regulations. Nevertheless, the Bank’s sustainability
reporting consists of several GRI criteria, although not fully covered.
Rekomendasi 6.2.4: Keterangan:
Status:
Recommendation 6.2.4: Description:
Korporasi menerbitkan Laporan Tahunan secara terintegrasi yang Laporan Tahunan Bank secara terintegrasi mengungkapkan kinerja Terpenuhi
menempatkan kinerja historis ke dalam konteks dan menggambarkan historis ke dalam konteks dan menggambarkan risiko, peluang, dan
risiko, peluang, dan prospek korporasi di masa depan, sehingga prospek Bank di masa depan, sehingga diharapkan dapat membantu
membantu Pemegang Saham dan pemangku kepentingan memahami Pemegang Saham dan pemangku kepentingan memahami tujuan
tujuan strategis korporasi dan kemajuannya dalam menciptakan nilai strategis Bank dan kemajuannya dalam menciptakan nilai yang
yang berkelanjutan. berkelanjutan.
The corporation issues an integrated Annual Report that puts historical The Bank’s Annual Report in an integrated manner discloses historical Complied
performance into context and describes the corporation’s risks, performance in context and describes the Bank’s risks, opportunities,
opportunities, and future prospects, thereby helping Shareholders and prospects in the future, and therefore, it is expected to help
and stakeholders understand the corporation’s strategic objectives Shareholders and stakeholders understand the Bank’s strategic
and its progress in creating sustainable value. objectives and its progress in creating sustainable value.
Rekomendasi 6.3: Diseminasi Informasi.
Recommendation 6.3: Dissemination of Information.
Rekomendasi 6.3.1: Keterangan:
Status:
Recommendation 6.3.1: Description:
Saluran penyebaran informasi harus menyediakan akses yang setara, Untuk memastikan informasi tersedia kepada Pemegang Saham dan Terpenuhi
tepat waktu, dan relatif murah untuk informasi yang relevan bagi pemangku kepentingan secara setara, tepat waktu, relatif murah,
pengguna. dan relevan, maka Bank menyediakan berbagai akses informasi, yakni
media sosial, situs web, e-mail blast dan paparan publik bagi nasabah
dan publik, siaran pers, serta kanal komunikasi khusus internal untuk
karyawan Bank.
Channels for disseminating Information should provide users with To ensure that information is available to Shareholders and Complied
equal, timely, and relatively inexpensive access to relevant information. stakeholders equally, timely, relatively cheaply, and relevantly, the
Bank provides various information accesses, namely social media,
websites, e-mail blasts, and public exposures for customers and the
public, press releases, and special internal communication channels
for the Bank’s employees.
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Rekomendasi 6.3.2: Keterangan:
Status:
Recommendation 6.3.2: Description:
Korporasi memastikan bahwa pernyataan tahunan terhadap penerapan Saat ini, pernyataan terhadap penerapan PUGKI belum tersedia Penjelasan
Pedoman Umum Governansi Korporat Indonesia, termasuk penjelasan di situs web Bank. Namun demikian, Laporan Tahunan Bank telah
atas penerapan atas masing-masing Rekomendasi dan Panduan memuat pernyataan tahunan terhadap penerapan PUGKI.
tersedia di situs web selama jangka waktu minimal 5 (lima) tahun.
The corporation ensures that an annual statement regarding the Currently, a statement on the implementation of PUGKI is not Explanation
implementation of General Guidelines for Indonesian Corporate available on the Bank’s website. However, the Bank’s Annual Report
Governance, including an explanation of the implementation of each has included an annual statement on the implementation of PUGKI.
Recommendation and Guideline is available on the website for a
minimum period of 5 (five) years.
Rekomendasi 6.3.3: Keterangan:
Status:
Recommendation 6.3.3: Description:
Untuk korporasi yang terdaftar di pasar modal di yurisdiksi selain Bank merupakan entitas usaha yang didirikan di Indonesia dan Terpenuhi
yurisdiksi asal, peraturan perundang-undangan atas governansi tunduk terhadap peraturan yang berlaku di Indonesia.
korporat yang berlaku harus di diungkapkan dengan jelas. Dalam hal
cross listing, kriteria dan prosedur cross listing, kriteria dan prosedur
untuk mengakui persyaratan listing untuk listing utama harus
transparan dan didokumentasikan.
For corporations listed on the capital market in jurisdictions other than The Bank is a business entity incorporated in Indonesia and is subject Complied
the jurisdiction of origin, applicable laws and regulations on corporate to the applicable regulations in Indonesia.
governance must be clearly disclosed. In the case of cross listing, the
criteria and procedures for cross listing, criteria and procedures for
recognizing the listing requirements for the primary listing must be
transparent and documented.
Prinsip 7: Perlindungan Terhadap Hak-Hak Pemegang Saham
Principle 7: Protection of Shareholders Rights
Rekomendasi 7.1: Hak Pemegang Saham.
Recommendation 7.1: Shareholders Rights.
Rekomendasi 7.1.1: Keterangan:
Status:
Recommendation 7.1.1: Description:
Korporasi memiliki suatu kebijakan komunikasi yang memfasilitasi dan Anggaran Dasar Bank telah mengatur kebijakan komunikasi dengan Terpenuhi
mendorong partisipasi Pemegang Saham atau investor. Pemegang Saham dan investor.
The corporation has a communication policy that facilitates and The Bank’s Articles of Association have stipulated policy on Complied
encourages shareholder or investor participation. communication with Shareholders and investors.
Rekomendasi 7.1.2: Keterangan:
Status:
Recommendation 7.1.2: Description:
Korporasi yang merupakan Entitas Induk memastikan bahwa kebijakan Bank memiliki kebijakan komunikasi dengan Pemegang Saham dan Penjelasan
governansi korporatnya berlaku bagi Entitas Anak dan Entitas investor yang diatur dalam Anggaran Dasar Bank. Saat ini, Bank tidak
Sepengendali yang di dalamnya investasi korporasi adalah signifikan. memiliki Entitas Anak dan Entitas Sepengendali.
Corporations that are Parent Entities ensure that their corporate The Bank has a communication policy with Shareholders and investors Explanation
governance policies apply to Subsidiaries and Entities under Common as stipulated in the Bank’s Articles of Association. Currently, the Bank
Control in which their investment is significant. does not have any Subsidiaries and entities under common control.
Rekomendasi 7.1.3: Keterangan:
Status:
Recommendation 7.1.3: Description:
Korporasi memiliki aturan dan prosedur yang mengatur akuisisi, Anggaran Dasar Bank telah mengatur prosedur yang mengatur Terpenuhi
pengambilalihan, dan transaksi luar biasa, seperti merger dan akuisisi, pengambilalihan, dan transaksi luar biasa. Selain itu, hak,
penjualan aset korporasi yang substansial untuk memastikan transaksi wewenang, dan tanggung jawab Pemegang Saham juga diatur secara
terjadi secara transparan dan dalam kondisi yang wajar dan melindungi rinci dalam Anggaran Dasar yang dapat diakses juga di situs web
hak-hak semua Pemegang Saham sesuai dengan kelasnya. Bank (www.victoriabank.co.id).
Corporations have rules and procedures that govern acquisitions, The Bank’s Articles of Association has set out procedures that govern Complied
takeovers, and extraordinary transactions, such as mergers and sales acquisitions, takeovers, and extraordinary transactions. In addition,
of substantial corporate assets to ensure that the transactions occur the rights, authorities, and responsibilities of Shareholders are also
in a transparent manner and under reasonable conditions as well as stipulated in detail in the Articles of Association, accessible on the
protecting the rights of all Shareholders according to class. Bank’s website (www.victoriabank.co.id).
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Rekomendasi 7.2: Perlakuan Adil Terhadap Pemegang Saham.
Recommendation 7.2: Fair Treatment to Shareholders.
Rekomendasi 7.2.1: Keterangan:
Status:
Recommendation 7.2.1: Description:
Korporasi memiliki aturan dan prosedur yang memastikan: Seluruh Pemegang Saham Bank baik minoritas maupun mayoritas, Terpenuhi
1. Semua Pemegang Saham dari seri yang sama dalam 1 (satu) kelas baik domestik dan non-domestik, diperlakukan secara setara.
saham harus diperlakukan setara; dan Informasi yang relevan bagi Pemegang Saham dipublikasikan kepada
2. Pengungkapan aturan dan prosedur tersebut serta pengungkapan masyarakat melalui media yang mudah diakses Pemegang Saham
struktur modal dan pengaturan yang memungkinkan Pemegang (situs web Bank, Bursa Efek Indonesia, dan KSEI) dalam bahasa
Saham tertentu memeroleh pengaruh atau kendali yang tidak Indonesia dan bahasa Inggris.
proporsional dengan kepemilikan sahamnya.
Corporations have rules and procedures ensuring that: All Shareholders of the Bank, both minority and majority, either Complied
1. All Shareholders of the same series in 1 (one) class of shares shall be domestic or non-domestic, are treated equally. Information relevant
treated equally; and to Shareholders is published to the public through media that is easily
2. There shall be disclosure of such rules and procedures, as well as accessible to Shareholders (the website of the Bank, Indonesia Stock
disclosure of capital structure and arrangements that allow certain Exchange, and KSEI) in Indonesian and English.
Shareholders to gain influence or control that is disproportionate to
their share ownership.
Rekomendasi 7.2.2: Keterangan:
Status:
Recommendation 7.2.2: Description:
Korporasi memiliki aturan dan prosedur yang memastikan transaksi Bank senantiasa memastikan bahwa setiap transaksi dengan pihak Terpenuhi
pihak berelasi disetujui dan dilaksanakan sedemikian rupa yang dapat berelasi dilakukan tanpa benturan kepentingan, serta kepentingan
meyakinkan bahwa benturan kepentingan telah dikelola dengan tepat, Bank dan para Pemegang Saham tetap terlindungi. Melalui
dan melindungi kepentingan korporasi dan Pemegang Saham. pengawasan yang ketat, Bank menjaga integritas dan transparansi
dalam semua transaksi untuk meminimalkan risiko serta memastikan
kepatuhan terhadap peraturan yang berlaku.
The corporation has rules and procedures that ensure related party The Bank always ensures that every transaction with related parties Complied
transactions are approved and implemented in such a way as to is carried out with no conflict of interest, and the interests of the Bank
ensure that conflicts of interest are properly managed, and protect and its Shareholders remain protected. Through strict supervision,
the interests of the corporation and Shareholders. the Bank maintains integrity and transparency in all transactions to
minimize risk and ensure its compliance with applicable regulations.
Rekomendasi 7.2.3: Keterangan:
Status:
Recommendation 7.2.3: Description:
Korporasi memiliki dan mengungkapkan kebijakan untuk mencegah Kode Etik Bank telah memuat mekanisme pencegahan insider trading. Terpenuhi
terjadinya insider trading. Korporasi memiliki aturan yang jelas
mengenai perdagangan apa pun dalam saham korporasi yang
dilakukan oleh Direktur, Komisaris dan orang dalam untuk memastikan
bahwa siapa pun tidak boleh mendapatkan keuntungan secara
langsung atau tidak langsung dari informasi yang tidak/belum tersedia
di pasar.
The corporation has and discloses policies to prevent insider trading. The Bank’s Code of Conduct sets out the mechanism for preventing Complied
The corporation has clear rules regarding any trading in corporate insider trading.
shares conducted by Directors, Commissioners, and insiders to ensure
that no one may benefit directly or indirectly from information that is
not/not yet available in the market.
Rekomendasi 7.3: Rapat Umum Pemegang Saham.
Recommendation 7.3: General Meeting of Shareholders.
Rekomendasi 7.3.1: Keterangan:
Status:
Recommendation 7.3.1: Description:
Korporasi melakukan panggilan RUPS dengan agenda dan materi RUPS Bank melakukan panggilan RUPS sedini mungkin dengan Terpenuhi
selengkap dan sedini mungkin (paling lambat 28 hari sebelum RUPS) memperhatikan peraturan perundang-undangan, serta memberikan
untuk memberikan waktu dan materi yang cukup bagi Pemegang ruang dan tanggapan kepada Pemegang Saham yang memerlukan
Saham untuk mempelajari dengan baik agenda rapat. Undangan rapat tambahan informasi perihal penyelenggaraan dan mata acara RUPS.
dan seluruh informasi RUPS diungkapkan melalui sarana elektronik Undangan RUPS diungkapkan melalui sarana elektronik yaitu situs
seperti melalui situs web korporasi. web Bank, Bursa Efek Indonesia, dan KSEI.
The corporation makes a notice for GMS with the agenda and The Bank makes a notice for GMS as early as possible by considering Complied
materials for GMS as completely and as early as possible (no later laws and regulations, and provides space and responses to
than 28 days prior to the GMS) to provide sufficient time and materials Shareholders who require additional information regarding GMS
for Shareholders to properly study the meeting agenda. Meeting implementation and agenda items. The invitation for GMS is disclosed
invitations and all GMS information are disclosed through electronic through electronic means, namely the Bank’s website, Indonesia
means, such as through the corporate website. Stock Exchange, and KSEI.
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Rekomendasi 7.3.2: Keterangan:
Status:
Recommendation 7.3.2: Description:
Korporasi memiliki dan mengungkapkan aturan dan prosedur yang Dalam setiap RUPS, Bank memublikasikan tata tertib rapat yang Terpenuhi
memfasilitasi Pemegang Saham dalam berpartisipasi dan memberikan mengakomodir informasi terkait fasilitas bagi Pemegang Saham untuk
suara secara efektif di RUPS. berpartisipasi dan memberikan suara secara efektif dalam RUPS.
The Corporation has and discloses rules and procedures that facilitate In each GMS, the Bank publishes the meeting rules that accommodate Complied
Shareholders to participate and vote effectively at the GMS. information related to facilities for Shareholders to participate and
vote effectively in the GMS.
Rekomendasi 7.3.3: Keterangan:
Status:
Recommendation 7.3.3: Description:
Pemegang Saham berpartisipasi efektif dalam menetapkan Dalam RUPS dengan agenda perubahan susunan pengurus Bank, Terpenuhi
penunjukan anggota Direksi dan Dewan Komisaris. Pemegang Saham diberikan kesempatan untuk mengajukan
pertanyaan dan/atau tanggapan, serta menyampaikan suaranya.
Shareholders participate effectively to determine the appointment of In GMS with agenda of changing the composition of the Bank’s Complied
members of the Board of Directors and Board of Commissioners. management, Shareholders are given the opportunity to ask
questions and/or provide responses, and to express their opinions.
Rekomendasi 7.3.4: Keterangan:
Status:
Recommendation 7.3.4: Description:
Korporasi memastikan transparansi dan akuntabilitas auditor eksternal Dalam RUPS dengan agenda penetapan kantor akuntan publik Terpenuhi
di RUPS. dan/atau akuntan publik, Bank memberikan penjelasan mengenai kantor
akuntan publik dan/atau akuntan publik yang diusulkan dalam RUPS.
The corporation ensures transparency and accountability of the In the GMS with agenda of determining public accounting firm and/or Complied
external auditor at the GMS. public accountant, the Bank provides an explanation regarding public
accounting firm and/or public accountant proposed at the GMS.
Rekomendasi 7.3.5: Keterangan:
Status:
Recommendation 7.3.5: Description:
Penyampaian hasil pemungutan suara dan ringkasan risalah RUPS Penyampaian hasil pemungutan suara dan ringkasan risalah RUPS Terpenuhi
secara lengkap diumumkan ke publik pada hari kerja berikutnya. kepada publik dilakukan di hari yang sama setelah selesainya RUPS
melalui situs web Bank.
Submission of voting results and a complete summary of the GMS Submission of voting results and summary of GMS minutes to public Complied
minutes are announced to the public on the following working day. are announced on the same day after the completion of GMS through
the Bank’s website.
Prinsip 8: Penghargaan Terhadap Pemangku Kepentingan
Principle 8: Award for Stakeholders
Rekomendasi 8.1: Keterlibatan Pemangku Kepentingan Kunci (Stakeholder Engagement).
Recommendation 8.1: Key Stakeholder Engagement.
Rekomendasi 8.1.1: Keterangan:
Status:
Recommendation 8.1.1: Description:
Korporasi melalui Sekretaris Korporasi melaksanakan komunikasi yang Bank telah mengungkapkan proses identifikasi dan pemilihan Terpenuhi
reguler, transparan, dan efektif dengan pemangku kepentingan kunci pemangku kepentingan kunci yang dilibatkan, yang dijelaskan secara
serta melibatkan mereka untuk memahami harapan dan keluhan rinci dalam Laporan Tahunan. Selain itu, Bank juga menyediakan
mereka serta dampak korporasi terhadap mereka. mekanisme WBS yang berfungsi sebagai saluran aman dan
independen bagi pemangku kepentingan untuk menyampaikan
saran, masukan, serta keluhan atau pengaduan. Melalui langkah
ini, Bank memastikan transparansi dan keterlibatan aktif dalam
menangani isu-isu penting yang relevan bagi keberlanjutan dan
integritas operasional.
The corporation, through the Corporate Secretary, carries out regular, The Bank has disclosed the process of identifying and selecting key Complied
transparent, and effective communication with key stakeholders and stakeholders involved, which is explained in detail in the Annual
engages them to understand their expectations, grievances, and the Report. In addition, the Bank also provides WBS mechanism that
impact of the corporation on them. functions as a safe and independent channel for stakeholders to
submit suggestions, input, and complaints or grievances. Through
this step, the Bank ensures transparency and active involvement in
addressing important issues relevant to sustainability and operational
integrity.
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Tata Kelola Perusahaan
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Rekomendasi 8.2: Integrasi Keberlanjutan dalam Model Bisnis.
Recommendation 8.2: Integration of Sustainability in Business Models.
Rekomendasi 8.2.1: Keterangan:
Status:
Recommendation 8.2.1: Description:
Dewan Komisaris bersama-sama dengan Direksi bertanggung Direksi memastikan bahwa strategi, prioritas, dan target keberlanjutan Terpenuhi
jawab, akuntabel, dan transparan atas governansi keberlanjutan, korporasi dikomunikasikan dengan jelas kepada para pemangku
termasuk menetapkan strategi, prioritas, dan target keberlanjutan kepentingan. Pencapaian dan kinerja terhadap target-target
korporasi. Direksi dan Dewan Komisaris memasukkan pertimbangan ini disampaikan secara transparan melalui Laporan Tahunan,
keberlanjutan ketika menjalankan perannya, termasuk antara lain memberikan gambaran menyeluruh tentang komitmen Bank dalam
dalam pengembangan dan implementasi strategi korporasi, rencana mendukung keberlanjutan. Melalui komunikasi yang terbuka ini,
bisnis, rencana aksi utama dan manajemen risiko. pemangku kepentingan dapat memahami langkah-langkah yang
diambil Bank untuk mencapai tujuan keberlanjutan.
The Board of Commissioners and the Board of Directors are responsible, The Board of Directors ensures that the corporate sustainability Complied
accountable, and transparent for sustainability governance, including strategy, priorities, and targets are clearly communicated to
in establishing corporate sustainability strategies, priorities, and stakeholders. Achievements and performance on these targets are
targets. The Board of Directors and Board of Board of Commissioners presented transparently through the Annual Report, providing a
incorporate sustainability considerations when performing their roles, comprehensive overview of the Bank’s commitment to supporting
including by developing and implementing corporate strategies, sustainability. Through this open communication, stakeholders can
business plans, main action plans, and risk management. understand the steps taken by the Bank to achieve sustainability
goals.
Rekomendasi 8.3: Perlindungan Terhadap Pemangku Kepentingan.
Recommendation 8.3: Protection for Stakeholders.
Rekomendasi 8.3.1: Keterangan:
Status:
Recommendation 8.3.1: Description:
Direksi memastikan dan mengungkapkan bahwa operasi korporasi Bank memiliki berbagai kebijakan sebagai pedoman dalam Terpenuhi
mencerminkan penerapan standar etika, tanggung jawab sosial dan menjalankan operasi bisnis yang sesuai etika, tanggung jawab
lingkungan yang tinggi di seluruh korporasi dan memastikan bahwa sosial dan lingkungan, serta menghormati dan mematuhi hak-hak
kebijakan dan prosedur yang tepat diterapkan untuk menghormati pemangku kepentingan. Hal ini disampaikan secara lengkap pada
serta mematuhi hak-hak pemangku kepentingan. Laporan Tahunan Bank.
The Board of Directors ensures and discloses that corporate The Bank has various policies as guidelines in carrying out business Complied
operations reflect the application of high standards of ethics, social operations that are ethical, socially, and environmentally responsible,
and environmental responsibility throughout the corporation and and respecting and complying with the stakeholders rights. This is
ensures that appropriate policies and procedures are in place to presented completely in the Bank’s Annual Report.
respect and comply with stakeholder rights.
Rekomendasi 8.3.2: Keterangan:
Status:
Recommendation 8.3.2: Description:
Direksi mendorong karyawan bekerja untuk kepentingan jangka Bank memiliki standar operasional prosedur kebijakan pemberian Terpenuhi
panjang korporasi dan mengedepankan keberlanjutan. insentif jangka panjang kepada karyawan yang mendorong
penciptaan nilai yang berkelanjutan sebagaimana diatur dalam
Keputusan Direksi No. 005/SK-DIR/01/24 tanggal 8 Januari 2024
tentang Standar Operasional Prosedur Human Capital Management.
The Board of Directors encourages employees to work for the The Bank has standard operating procedures for the policy on Complied
long-term interests of the corporation and prioritizes sustainability. providing long-term incentives to employees that encourage
sustainable value creation as stipulated in the Board of Directors’
Decision No. 005/SK-DIR/01/24 dated 8 January 2024 on Standard
Operating Procedures for Human Capital Management.
Rencana Strategis Bank
Bank’s Strategic Plans
Dewan Komisaris dan Direksi senantiasa aktif membangun komunikasi The Board of Commissioners and the Board of Directors are
dalam menyelaraskan pandangan atas rencana strategis Bank. always active in building communication in aligning views on the
Rencana strategis Bank Victoria dituangkan dalam RBB yang Bank’s strategic plans. Bank Victoria’s strategic plan is stated in
disusun dengan mengacu pada Peraturan Otoritas Jasa Keuangan RBB, prepared with reference to the Financial Services Authority
No. 5/POJK.03/2016, serta mempertimbangkan faktor eksternal dan Regulation No. 5/POJK.03/2016, and by considering external and
internal, prinsip kehati-hatian, manajemen risiko, dan asas perbankan internal factors, prudential principles, risk management, and sound
yang sehat. Untuk RBB 2025-2027, Bank mengangkat tema banking principles. For the 2025-2027 RBB, the Bank has adopted
“Sustainable Growth Through Digitalization and Strong Governance” the theme “Sustainable Growth Through Digitalization and Strong
dengan uraian sebagai berikut: Governance” with the following description:
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Rencana Jangka Panjang Long-Term Plan
Untuk jangka waktu 5 (lima) tahun ke depan, Bank telah merumuskan For the next 5 (five) years, the Bank has formulated business
strategi usaha yang berfokus pada pertumbuhan berkelanjutan dan strategies that focus on sustainable growth and increased
peningkatan daya saing. Strategi tersebut diuraikan sebagai berikut: competitiveness. The strategies are described as follows:
1. Menjaga dan memperkuat penerapan prinsip-prinsip GCG 1. Maintaining and strengthening the consistent implementation
secara konsisten, selaras dengan prinsip manajemen risiko dan of GCG principles, that are aligned with the principles of risk
kepatuhan terhadap regulasi (compliance); management and regulatory compliance;
2. Memastikan tingkat permodalan tetap kuat dan memadai 2. Ensuring the capital level remains strong and adequate as
sebagai landasan pengembangan serta pertumbuhan skala the foundation for prudent and sustainable development and
bisnis Bank yang prudent dan berkelanjutan; growth of the Bank’s business scale;
3. Mengoptimalkan efisiensi dan produktivitas dengan melakukan 3. Optimizing efficiency and productivity by evaluating the
evaluasi kinerja jaringan kantor cabang guna mendorong performance of branch office network to encourage more
pertumbuhan bisnis yang lebih efektif; effective business growth;
4. Melanjutkan dan meningkatkan inovasi produk dan layanan 4. Continuing and improving product innovation and potential
yang berpotensi pada nasabah (customer-centric); customer-centric services;
5. Mengembangkan sistem teknologi informasi untuk mendukung 5. Developing information technology system to support operational
efisiensi operasional, inovasi produk, serta peningkatan layanan; efficiency, product innovation, and service improvement;
6. Meningkatkan kualitas dan produktivitas sumber daya manusia 6. Improving the quality and productivity of human resources and
serta pelayanan nasabah guna menghadapi tantangan bisnis customer service to face the increasingly complex business
yang semakin kompleks; dan challenges; and
7. Meningkatkan nilai Bank bagi Pemegang Saham dan pemangku 7. Increasing the Bank’s value for Shareholders and stakeholders
kepentingan melalui strategi bisnis yang solid dan berorientasi through solid and sustainability-oriented business strategies.
pada keberlanjutan.
Rencana Jangka Menengah dan Pendek Medium and Short-Term Plans
Untuk jangka waktu 1 (satu) tahun ke depan (jangka pendek) dan For the next 1 (one) year (short term) and 3 (three) years (medium
3 (tiga) tahun ke depan (jangka menengah), Bank telah menetapkan term), the Bank has set targets formulated as follows:
target yang dirumuskan sebagai berikut: 1. Strengthening GCG and risk management implementation,
1. Penguatan GCG dan penerapan manajemen risiko, meliputi: including:
a. Melanjutkan peningkatan internalisasi budaya kepatuhan a. Continuing to improve the internalization of compliance
secara berkelanjutan di seluruh aspek operasional dan culture in all aspects of the Bank’s operations and business;
bisnis Bank;
b. Memperkuat fungsi pengawasan dan pengendalian risiko b. Strengthening the supervision and risk control functions at
pada second dan third line of defense; dan the second and third lines of defense; and
c. Mencapai pertumbuhan bisnis yang berkelanjutan melalui c. Achieving sustainable business growth through the
penerapan dan pengelolaan GCG. implementation and management of GCG.
2. Permodalan, yaitu dengan memperkuat dan/atau memelihara 2. Capitalization, namely by strengthening and/or maintaining
permodalan yang sehat guna menyerap risiko serta mendukung healthy capital to absorb risks and support sustainable business
pertumbuhan bisnis berkelanjutan, melalui peningkatan laba growth, through increased (organic) profits and issuance of
(organik) dan penerbitan obligasi subordinasi. subordinated bonds.
3. Pengembangan bisnis, meliputi: 3. Business development, including:
a. Menerbitkan 12 (dua belas) produk dasar dan 21 produk a. Issuing 12 (twelve) basic products and 21 advanced
lanjutan, yang terdiri dari 5 (lima) produk lanjutan, products, consisting of 5 (five) advanced products, 8 (eight)
8 (delapan) produk lanjutan layanan elektronik, dan electronic service advanced products, and 8 (eight) digital
8 (delapan) produk lanjutan layanan digital). Tujuan service advanced products). The purpose of the issuance
penerbitan produk ini adalah untuk mendorong of these products is to encourage sustainable business
pertumbuhan bisnis berkelanjutan, pengembangan produk growth, customer-centric product development, and
berbasis nasabah (customer-centric) serta meningkatkan increase fee-based income;
fee-based income;
b. Meningkatkan kampanye pemasaran (marketing campaign) b. Enhancing marketing campaigns to expand the deposit
guna memperluas basis nasabah simpanan, terutama customer base, particularly small customers, to increase
nasabah kecil untuk meningkatkan porsi dana murah serta the portion of low-cost funds and reduce the cost of funds;
menekan cost of fund;
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Tata Kelola Perusahaan
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c. Melanjutkan inisiatif kerja sama dalam pengembangan c. Continuing collaborative initiatives in developing other
bisnis penyumbang fee-based income lainnya, terutama fee-based income contributing businesses, particularly in
pada produk dan layanan wealth management; dan wealth management products and services; and
d. Meningkatkan efektivitas penanganan kredit bermasalah, d. Improving the effectiveness of handling non-performing
kredit hapus buku, penyelesaian agunan yang diambil alih, loans, write-off loans, settlement of repossessed collateral,
serta pemanfaatan aktiva tetap yang belum digunakan and utilization of unused fixed assets (abandoned
(properti terbengkalai) guna memelihara dan meningkatkan properties) to maintain and improve asset quality, optimize
kualitas aset, mengoptimalkan produktivitas aktiva, serta asset productivity, and increase operating income other
meningkatkan pendapatan operasional selain bunga. than interest.
4. Penguatan sistem TI, yaitu dengan memperkuat kapasitas dan 4. Strengthening IT system, namely by strengthening the capacity
kualitas layanan infrastruktur TI guna menjamin keamanan dan and quality of IT infrastructure services to ensure security
menjaga kepercayaan nasabah dalam mendukung kegiatan and maintain customer confidence to support the Bank’s
operasional Bank. operational activities.
5. Jaringan kantor, meliputi: 5. Office network, including:
a. Melanjutkan evaluasi kinerja jaringan kantor cabang guna a. Continuing the performance evaluation of branch office to
mencapai tingkat profitabilitas yang optimal; dan achieve optimal level of profitability; and
b. Melakukan penambahan jaringan kantor untuk b. Expanding office network to improve customer service and
meningkatkan layanan nasabah serta memperluas pasar expand the market geographically to support business
secara geografis guna mendukung pertumbuhan bisnis. growth.
6. Sumber daya manusia dan organisasi, meliputi: 6. Human resources and organization, including:
a. Meningkatkan kualitas sumber daya manusia serta a. Improving the quality of human resources and
memperkuat perangkat organisasi melalui program strengthening organizational tools through continuous
pelatihan berkelanjutan dan rekrutmen tenaga yang sesuai training programs and recruitment of personnel according
dengan kebutuhan bisnis Bank dan regulasi; dan to the Bank’s business needs and regulations; and
b. Meningkatkan kompetensi sumber daya manusia b. Improving the competence of human resources in
dalam menghadapi dinamika persaingan bisnis melalui facing the dynamics of business competition through
peningkatan soft skill dan hard skill, officer development the improvement of soft skills and hard skills, officer
program dan program rekrutmen lainnya, dan pelatihan development program, other recruitment programs, and
terencana setiap 3 (tiga) bulan sekali, termasuk pemenuhan planned training every 3 (three) months, including the
sertifikasi dan refreshment training. fulfillment of certification and refreshment training.
7. Memastikan pertumbuhan dan peningkatan nilai Bank bagi 7. Ensuring the growth and increase in the Bank’s value for
seluruh Pemegang Saham dan pemangku kepentingan melalui all Shareholders and stakeholders through measurable and
strategi bisnis yang terukur dan berkelanjutan. sustainable business strategies.
Pembelian Kembali Saham dan/atau Obligasi
Shares and/or Bonds Buy Back
Selama tahun 2024, Bank tidak melakukan pembelian kembali atas Throughout 2024, the Bank did not conduct shares and bonds buy
saham dan obligasi yang diterbitkan oleh Bank yang masih beredar back that is still circulating on Indonesia Stock Exchange.
di Bursa Efek Indonesia.
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Penyediaan Dana kepada Pihak Terkait
dan/atau Penyediaan Dana Besar
Provision of Funds to Related Parties and/or Provision of Large Exposure
Dalam memberikan penyediaan dana kepada pihak terkait dan debitur In providing funds to related parties and debtors with large
dalam jumlah besar, Bank memperhatikan ketentuan di antaranya exposure, the Bank pays attention to provisions, including Financial
Peraturan Otoritas Jasa Keuangan No. 32/POJK.03/2018 tentang Batas Services Authority Regulation No. 32/POJK.03/2018 on Legal
Maksimum Pemberian Kredit dan Penyediaan Dana Besar bagi Bank Lending Limit and Large Exposure for Commercial Banks, and
Umum dan ketentuan internal Bank. Pada tahun 2024, penyediaan the Bank’s internal provisions. In 2024, the provisions of funds
dana kepada pihak terkait Bank dan juga terhadap debitur inti Bank to the Bank’s related parties and also to the Bank’s core debtors
(tidak terkait) diungkapkan sebagai berikut: (non-related) are disclosed as follows:
Penyediaan Dana Debitur Total
Provision of Fund Debtor (juta Rupiah / million Rupiah)
Individu
830 23,951,599
Individual
Kepada Pihak Terkait
14 345,923
To Related Parties
Kepada Pihak Tidak Terkait
816 23,605,676
To Non-Related Parties
Kelompok
52 8,795,597
Group
Total 882 32,747,196
Kepatuhan Perpajakan
Tax Compliance
Bank Victoria sebagai entitas bisnis memiliki tanggung jawab dalam Bank Victoria as a business entity has the responsibility to comply
mematuhi regulasi perpajakan. Oleh karenanya, Bank melakukan with tax regulations. Therefore, the Bank withholds/collects tax
pemotongan/pemungutan pajak terhadap setiap objek kena pajak, on every taxable object, such as employee Income Tax (PPh),
seperti Pajak Penghasilan (PPh) karyawan dan Pajak Pertambahan Value Added Tax (VAT), and others. The Bank also submits tax
Nilai dan lain-lain (PPN). Bank juga menyampaikan dokumen obligation documents, such as annual and monthly Tax Returns
kewajiban perpajakan, seperti Surat Pemberitahuan Pajak (SPT) (SPT), and obligation documents to regulators in a timely manner. In
tahunan maupun bulanan, serta dokumen kewajiban ke regulator this regard, the Bank uses the system from the Directorate General
dengan tepat waktu. Terkait hal ini, Bank menggunakan sistem of Taxes for tax reporting, while recording is done in the Bank’s core
dari Direktorat Jenderal Pajak untuk pelaporan pajak, sementara banking system.
pencatatannya dilakukan di system core banking Bank.
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Tata Kelola Perusahaan
Good Corporate Governance
Transparansi Kondisi Keuangan dan
Non-Keuangan Bank yang Belum Diungkap
dalam Laporan Lain
Transparency of the Bank’s Financial and Non-Financial Conditions that
Have Not Been Disclosed in Other Report
Bank telah menetapkan kebijakan dan prosedur mengenai The Bank has established policies and procedures regarding
transparansi kondisi keuangan dan non-keuangan, yang transparency of financial and non-financial conditions, which
di antaranya mengacu pada: include:
1. Peraturan Otoritas Jasa Keuangan No. 37/POJK.03/2019 1. Financial Services Authority Regulation No. 37/POJK.03/2019
tentang Transparansi dan Publikasi Laporan Bank; on Transparency and Publication of Bank Reports;
2. Peraturan Otoritas Jasa Keuangan No. 29/POJK.04/2016 2. Financial Services Authority Regulation No. 29/POJK.04/2016
tentang Laporan Tahunan Emiten atau Perusahaan Publik; on Annual Report of Issuers or Public Companies;
3. Peraturan Otoritas Jasa Keuangan No. 14/POJK.04/2022 3. Financial Services Authority Regulation No. 14/POJK.04/2022
tentang Penyampaian Laporan Keuangan Berkala Emiten atau on Submission of Periodic Financial Statements of Issuers or
Perusahaan Publik; dan Public Companies; and
4. Surat Edaran Otoritas Jasa Keuangan No. 16/SEOJK.04/2021 4. Financial Services Authority Circular No. 16/SEOJK.04/2021 on
tentang Bentuk dan Isi Laporan Tahunan Emiten atau the Form and Content of Annual Reports of Issuers or Public
Perusahaan Publik. Companies.
Informasi mengenai kondisi keuangan dan non-keuangan Bank Information regarding the Bank’s financial and non-financial
disajikan secara jelas dan transparan melalui berbagai laporan conditions is presented clearly and transparently through various
yang tersedia melalui media cetak maupun situs web Bank. reports available through printed media and the Bank’s website.
Laporan-laporan tersebut meliputi Laporan Tahunan (keuangan These reports include (financial and non-financial) Annual Reports,
dan non-keuangan), Laporan Keuangan Publikasi Triwulanan, dan Quarterly Published Financial Statements, and Monthly Published
Laporan Keuangan Publikasi Bulanan. Financial Statements.
Informasi Lain Terkait Tata Kelola Bank
Other Information Related to Bank Governance
Bank berkomitmen untuk mengelola dan menjalankan kegiatan The Bank is committed to managing and carrying out business
bisnis secara profesional dan transparan, tanpa adanya intervensi activities professionally and transparently, without any intervention
dari pemilik atau pihak eksternal lainnya, serta menghindari from the owner or other external parties, and avoiding internal
perselisihan internal dan masalah lain, terutama yang disebabkan disputes and other problems, particularly those caused by
oleh kebijakan remunerasi yang diterapkan. Sepanjang tahun 2024, the remuneration policies applied. Throughout 2024, the Bank
Bank telah menjalankan proses bisnis sesuai dengan pedoman carried out business processes in accordance with guidelines
prinsip-prinsip GCG, Kode Etik, Peraturan Perusahaan, serta on GCG principles, Code of Conduct, Company Regulations,
peraturan perundang-undangan yang berlaku, guna meminimalkan and applicable laws and regulations, to minimize negative impacts
dampak negatif dari keputusan dan aktivitas operasional Bank. of the Bank’s decisions and operational activities.
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Pernyataan dan Praktik
Bad Corporate Governance
Statement and Practices of Bad Corporate Governance
Bank terus berupaya untuk menerapkan peraturan atau The Bank continuously strives to implement regulations or
ketentuan terkait tata kelola perusahaan. Sepanjang tahun 2024, provisions related to corporate governance. Throughout 2024,
Bank tidak melakukan praktik bad corporate governance yang the Bank did not carry out any bad corporate governance practices
dapat mengganggu penerapan GCG sebagaimana ditunjukkan that could disrupt GCG implementation as presented in the
pada tabel berikut: following table:
Uraian Praktik
Description Practice
Adanya laporan sebagai Bank yang mencemari lingkungan. Nihil
There is a report that the Bank pollutes the environment. None
Perkara penting yang sedang dihadapi oleh Bank, anggota Direksi dan/atau anggota Dewan Komisaris yang sedang menjabat tidak
diungkapkan dalam Laporan Tahunan. Nihil
Significant cases currently faced by the Bank, members of Board of Directors, and/or members of Board of Commissioners are not None
disclosed in the Annual Report.
Ketidakpatuhan dalam pemenuhan kewajiban perpajakan. Nihil
Non-compliance in fulfilling tax obligations. None
Ketidaksesuaian penyajian Laporan Tahunan dan Laporan Keuangan dengan peraturan yang berlaku dan Standar akuntansi Keuangan.
Nihil
Inconsistency of presentation of Annual Report and Financial Statements with the the applicable regulations and Financial None
Accounting Standards.
Kasus terkait buruh dan karyawan. Nihil
Cases related to workers and employees. None
Tidak terdapat pengungkapan segmen operasi. Nihil
There are no disclosures on operational segment. None
Terdapat ketidaksesuaian antara Laporan Tahunan hardcopy dengan Laporan Tahunan softcopy. Nihil
There is inconsistency between Annual Report’s hard copy and Annual Report’s softcopy. None
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Struktur Permodalan dan Manajemen Risiko Capital Structure and Risk Management 296 PT Bank Victoria International Tbk | Laporan Tahunan dan Keberlanjutan 2024 Annual and Sustainability Report
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Struktur Permodalan dan Manajemen Risiko
Capital Structure and Risk Management
Pengungkapan Permodalan
Disclosure of Capital
Bank memastikan ketersediaan modal yang memadai untuk The Bank ensures the availability of adequate capital to address
mengatasi berbagai risiko dan peluang bisnis. Selain itu, Bank various business risks and opportunities. In addition, the Bank
mematuhi ketentuan regulator terkait permodalan untuk menjaga complies with regulatory provisions on capital to maintain its
stabilitas operasional dan meningkatkan kepercayaan dari para operational stability and increase stakeholder trust. This step also
pemangku kepentingan. Langkah ini juga memungkinkan Bank allows the Bank to continuously strengthen its competitiveness and
untuk terus memperkuat daya saing dan berkontribusi terhadap give contribution to sustainable economic growth.
pertumbuhan ekonomi secara berkelanjutan.
Kebijakan Manajemen Permodalan Capital Management Policy
Bank Victoria menerapkan kebijakan manajemen permodalan Bank Victoria implements the capital management policy that aims
yang bertujuan untuk memastikan keberlanjutan modal yang kuat, to ensure strong capital sustainability, create an optimal capital
menciptakan struktur permodalan yang optimal, dan mematuhi structure, and comply with regulatory requirements. This policy is
ketentuan regulator. Kebijakan ini dirancang agar Bank dapat terus designed to enable the Bank to continuously support its sustainable
mendukung strategi pengembangan usaha secara berkelanjutan. business development strategies. The Bank’s capital management
Kebijakan manajemen permodalan Bank mengacu pada Peraturan policy refers to the Financial Services Authority Regulations,
Otoritas Jasa Keuangan, antara lain: including:
1. Peraturan Otoritas Jasa Keuangan No. 11/POJK.03/2016 tanggal 1. Financial Services Authority Regulation No. 11/POJK.03/2016
2 Februari 2016; dated 2 February 2016;
2. Peraturan Otoritas Jasa Keuangan No. 34/POJK.03/2016 2. Financial Services Authority Regulation No. 34/POJK.03/2016
tanggal 26 September 2016, Perubahan Atas Peraturan Otoritas dated 26 September 2016, Amendments to Financial Services
Jasa Keuangan No. 11/POJK.03/2016 tentang Kewajiban Authority Regulation No. 11/POJK.03/2016 on Capital Adequacy
Penyediaan Modal Minimum Bank Umum; dan Ratio for Commercial Banks; and
3. Peraturan Otoritas Jasa Keuangan No. 27 Tahun 2022 tanggal 3. Financial Services Authority Regulation No. 27 of 2022 dated
26 Desember 2022, Perubahan Kedua Atas Peraturan Otoritas 26 December 2022, on Second Amendment to Financial
Jasa Keuangan No. 11/POJK.03/2016 tentang Kewajiban Services Authority Regulation No. 11/POJK.03/2016 on Capital
Penyediaan Modal Minimum Bank Umum. Adequacy Ratio for Commercial Banks.
Kebijakan manajemen permodalan disusun sebagai bagian The capital management policy is prepared as part of the Bank’s
dari Rencana Bisnis Bank dan telah disetujui oleh Direksi serta Business Plan and has been approved by the Board of Directors
Dewan Komisaris. Rencana permodalan Bank memastikan and Board of Commissioners. The Bank’s capital plan ensures the
ketersediaan modal yang cukup untuk mendukung pertumbuhan availability of sufficient capital to support its business growth and
usaha dan mencapai struktur permodalan yang optimal. Dalam achieve an optimal capital structure. In its planning, the Bank
perencanaannya, Bank mempertimbangkan ketentuan permodalan considers the minimum capital requirements required by regulators,
minimum yang diwajibkan oleh regulator, kebutuhan modal untuk capital requirements to support business expansion, and various
mendukung ekspansi bisnis, serta berbagai opsi untuk meningkatkan options to increase the capital.
modal.
Pengelolaan modal juga memperhatikan kondisi ekonomi, pasar, dan Capital management also pays attention to economic, market, and
usaha, serta dilakukan melalui penilaian berkala (internal capital business conditions. It is carried out through periodic assessments
adequacy assessment process/ICAAP) guna memastikan kesiapan (internal capital adequacy assessment process/ICAAP) to ensure
Bank dalam menghadapi kondisi normal maupun situasi stres. the Bank’s readiness to deal with normal conditions and stressful
situations.
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Struktur Permodalan Capital Structure
Sesuai dengan ketentuan Otoritas Jasa Keuangan, struktur Pursuant to the provisions of Financial Services Authority, Bank
permodalan Bank Victoria terdiri dari 2 (dua) komponen utama, Victoria’s capital structure consists of 2 (two) main components,
yaitu: namely:
1. Modal inti (tier 1), yang meliputi: 1. Tier 1, which includes:
a. Modal inti utama (common equity tier 1) a. Common equity tier 1
Modal inti utama mencakup modal disetor, cadangan Common equity tier 1 includes paid-up capital, disclosed
tambahan modal (disclosed reserve), dan faktor pengurang reserve, and impairment factor for common equity tier 1.
modal inti utama. Cadangan tambahan modal terdiri atas Additional capital reserves consist of additional factors
faktor penambah (pendapatan komprehensif lainnya dan (other comprehensive income and other additional capital
cadangan tambahan modal lainnya) dan faktor pengurang reserves) and deduction factors (other comprehensive
(pendapatan komprehensif lainnya dan cadangan income and other additional capital reserves); and
tambahan modal lainnya); dan
b. Modal inti tambahan (additional tier 1). b. Additional tier 1.
2. Modal pelengkap (tier 2) 2. Tier 2
Modal pelengkap (tier 2) meliputi cadangan umum Penyisihan Tier 2 includes general reserves of Allowance for Asset Losses
Penghapusan Aset (PPA) atas aset produktif yang wajib (PPA) for productive assets that must be formed (a maximum of
dibentuk (paling tinggi 1,25% Aset Tertimbang Menurut Risiko 1.25% Risk Weighted Assets (ATMR) Credit Risk).
(ATMR) Risiko Kredit).
Per 31 Desember 2024, total modal Bank Victoria mencapai As of 31 December 2024, the total capital of Bank Victoria
Rp4,42 triliun, dengan mayoritas berasal dari modal inti (tier 1) reached Rp4.42 trillion, with its majority coming from core capital
sebesar Rp3,58 triliun. Dibandingkan dengan total modal per (tier 1) of Rp3.58 trillion. Compared to the total capital as of
31 Desember 2023 sebesar Rp3,82 triliun, terjadi peningkatan 31 December 2023 of Rp3.82 trillion, there was an increase of 15.65%.
sebesar 15,65%. Peningkatan ini terutama terjadi pada komponen This increase mainly occurred in supplementary capital (tier 2)
modal pelengkap (tier 2) yang meningkat sebesar 56,50%. component which increased by 56.50%. With this capital structure,
Dengan struktur permodalan ini, rasio Kewajiban Penyediaan Modal the Minimum Capital Adequacy Ratio (CAR) of the Bank as of
Minimum (KPMM) Bank pada 31 Desember 2024 tercatat sebesar 31 December 2024 was 21.53%, higher compared to the previous
21,53%, lebih tinggi dibandingkan dengan rasio tahun sebelumnya year’s ratio of 19.95%.
yang sebesar 19,95%.
Kecukupan Permodalan Capital Adequacy
Bank Victoria memastikan kecukupan permodalan yang sesuai Bank Victoria ensures that the adequate capital is in accordance
dengan ketentuan regulasi yang ditetapkan oleh Bank Indonesia with the regulatory requirements set by Bank Indonesia and the
dan Otoritas Jasa Keuangan, dengan mengacu pada standar Basel Financial Services Authority, with reference to Basel II and Basel III
II dan Basel III (lebih dikenal sebagai reformasi Basel III). Langkah standards (widely known as Basel III reforms). This step is taken to
ini dilakukan untuk memastikan bahwa Bank mampu menjaga ensure that the Bank is able to maintain adequate capital that is
kecukupan modal yang lebih responsif terhadap risiko-risiko utama more responsive to the main risks in banking activities, while still
dalam kegiatan perbankan, sambil tetap memberikan imbal hasil providing optimal returns for stakeholders. This approach includes
yang optimal bagi para pemangku kepentingan. Pendekatan ini 3 (three) main pillars, namely:
mencakup 3 (tiga) pilar utama, yaitu:
1. Pilar 1 (Minimum Capital Requirements) 1. Pillar 1 (Minimum Capital Requirements)
Sesuai dengan ketentuan regulasi, secara umum, metodologi The method is generally used for assessing capital adequacy
yang digunakan dalam menilai kecukupan dan kebutuhan and requirements for credit risk, market risk, and operational
modal untuk risiko kredit, risiko pasar, dan risiko operasional. risk, which follows regulatory provisions.
2. Pilar 2 (Supervisory Review Process) 2. Pillar 2 (Supervisory Review Process)
Bank Victoria telah menerapkan Internal Capital Adequacy Bank Victoria has implemented the Internal Capital Adequacy
Assessment Process (ICAAP), yaitu proses untuk menetapkan Assessment Process (ICAAP), which is a process to determine
kecukupan modal yang sesuai dengan profil risiko Bank, dan the capital adequacy according to the Bank’s risk profile and to
menetapkan strategi untuk memelihara tingkat permodalan. determine a strategy to maintain capital rating.
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Struktur Permodalan dan Manajemen Risiko
Capital Structure and Risk Management
3. Pilar 3 (Market Discipline) 3. Pillar 3 (Market Discipline)
Bank Victoria menerapkan disiplin pasar melalui transparansi Bank Victoria applies market discipline through transparency
dan pengungkapan atas informasi keuangan Bank. and disclosure of the Bank’s financial information.
Penyesuaian terhadap implementasi Basel III, regulator telah Adjusting to the implementation of Basel III, the regulator has issued
mengeluarkan ketentuan mengenai kewajiban penyediaan modal a provision on minimum capital adequacy ratio for commercial bank,
minimum bank umum, di mana Bank wajib membentuk tambahan in which the Bank is required to establish additional capital as a
modal sebagai penyangga (buffer). Tambahan modal tersebut buffer. The additional capital can be in the
berupa: form of:
1. Capital Conservation Buffer 1. Capital Conservation Buffer
Penyangga untuk mengantisipasi terjadinya kerugian pada A buffer to anticipate a loss in crisis period.
periode krisis.
2. Countercyclical Buffer 2. Countercyclical Buffer
Penyangga untuk mengantisipasi terjadinya kerugian apabila A buffer to anticipate losses in the event of excessive banking
pertumbuhan kredit perbankan berlebihan yang berpotensi credit growth that potentially interferes with the financial
mengganggu stabilitas sistem keuangan. system stability.
3. Capital Surcharge untuk Domestic Systemically Important Bank 3. Capital Surcharge for Domestic Systemically Important Bank
(D-SIB). (D-SIB).
Penyangga untuk mengurangi dampak negatif terhadap stabilitas A buffer to reduce negative impacts on the financial system stability
sistem keuangan dan perekonomian apabila terjadi kegagalan Bank and economy in the event of Bank failure that has systemic impact,
yang berdampak sistemik, melalui peningkatan kemampuan Bank through the improvement of the Bank’s ability to absorb losses.
dalam menyerap kerugian.
Bank Victoria telah menerapkan perhitungan kewajiban membentuk Bank Victoria has applied the calculation of the requirement to
tambahan modal sebagai penyangga (buffer) dalam Kewajiban form additional capital as a buffer in the Capital Adequacy Ratio
Penyedian Modal Minimum (KPMM) sesuai dengan ketentuan (CAR) in accordance with the regulatory provisions. As a bank of
regulator. Sebagai Bank KBMI I (Kelompok Bank berdasarkan Modal KBMI I (Bank Groups Based on Core Capital I), Bank Victoria is
Inti), Bank Victoria tidak diwajibkan untuk menyediakan capital not required to provide capital conservation buffer because the
conservation buffer karena ketentuan penyediaan modal tersebut capital requirement provision applies to banks of KBMI II, KBMI III,
berlaku untuk Bank KBMI II, KBMI III, dan KBMI IV. and KBMI IV.
Pengungkapan permodalan Bank Victoria sebagai berikut: Bank Victoria’s disclosure of capital is as follows:
1. Tabel Utama (Key Metrics); 1. Main Table (Key Metrics);
2. Tabel Perbedaan antara Cakupan Konsolidasi dan Mapping 2. Table of Difference between Consolidated and Mapping
pada Laporan Keuangan sesuai Standar Akuntansi Keuangan Coverage on the Financial Statements in accordance with
dengan Kategori Risiko sesuai dengan Ketentuan Otoritas Jasa the Financial Accounting Standards with Risk Categories in
Keuangan Kategori Risiko (LI1); accordance with the Financial Services Authority Provisions for
Risk Category (LI1);
3. Tabel Perbedaan Utama antara Nilai Tercatat sesuai Standar 3. Table of Key Differences between Carrying Value in accordance
Akuntansi Keuangan dengan Nilai Eksposur sesuai dengan with the Financial Accounting Standards and Exposure
Ketentuan Otoritas Jasa Keuangan (LI2); Value in accordance with the Financial Services Authority
Regulations (LI2);
4. Tabel Penjelasan Mengenai Perbedaan antara Nilai Eksposur 4. Table of Explanation on the Differences between the Exposure
sesuai Standar Akuntansi Keuangan dengan Ketentuan Otoritas Values in accordance with the Financial Accounting Standards
Jasa Keuangan (LIA); and Financial Services Authority Provisions (LIA);
5. Tabel Komposisi Permodalan (CC1); 5. Table of Capital Composition (CC1);
6. Tabel Rekonsiliasi Permodalan (CC2); 6. Table of Capital Reconciliation (CC2);
7. Tabel Fitur Utama Instrumen Permodalan dan Instrumen 7. Table of Key Features of Capital instrument and TLAC
TLAC - Eligible (CCA); instrument - Eligible (CCA);
8. Tabel Rasio Pengungkit – Laporan Kewajiban Pemenuhan Rasio 8. Table of Leverage Ratio - Leverage Ratio Compliance Report;
Pengungkit; dan and
9. Tabel Rasio Pengungkit – Laporan Perhitungan Rasio 9. Table of Leverage Ratio - Leverage Ratio Calculation Report.
Pengungkit.
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Manajemen Risiko
Risk Management
Seiring dengan pesatnya perkembangan bisnis, Bank Victoria terus Along with the rapid development of business, Bank Victoria
menghadapi peningkatan risiko yang sejalan dengan ekspansi continues to face increasing risks in line with the expansion and
dan semakin kompleksnya operasional Bank, termasuk dalam increasing complexity of the Bank’s operations, including in digital
implementasi digital banking yang saat ini tengah dikembangkan. banking implementation which is currently being developed.
Oleh karena itu, Bank dituntut untuk menerapkan manajemen risiko Therefore, the Bank is required to implement risk management in
yang selaras dengan perkembangan bisnis, standar regulator, serta line with business developments, regulatory standards, and best
praktik terbaik di industri perbankan, guna memastikan operasional practices in banking industry, in order to ensure safe, efficient, and
yang aman, efisien, dan berkelanjutan. sustainable operations.
Manajemen risiko merupakan elemen penting untuk memastikan Risk management is an important element to ensure that all
bahwa seluruh pemangku kepentingan di Bank memiliki kesadaran stakeholders in the Bank have a high level of risk awareness and
yang tinggi terhadap risiko (risk awareness) serta pemahaman yang a clear understanding of the risk challenges being faced. With
jelas mengenai tantangan risiko yang dihadapi. Dengan manajemen proper risk management, the Bank can identify, measure, monitor,
risiko yang tepat, Bank dapat mengidentifikasi, mengukur, and control risks effectively, in order to maintain its business
memantau, dan mengendalikan risiko secara efektif, guna menjaga sustainability.
keberlanjutan usaha.
Bank Victoria secara aktif terus meningkatkan penerapan Bank Victoria actively continues to improve risk management
manajemen risiko untuk memitigasi potensi gangguan pada implementation to mitigate potential disruptions to operational
kegiatan operasional, menjaga stabilitas keuangan, dan mencapai activities, maintain financial stability, and achieve business goals
tujuan bisnis secara berkelanjutan. sustainably.
Dasar Penerapan Manajemen Risiko Basis of Risk Management Implementation
Dasar penerapan manajemen risiko di Bank mengacu pada The basis of risk management implementation in the Bank refers to
beberapa peraturan berikut: the following regulations:
1. Peraturan Otoritas Jasa Keuangan No. 4/POJK.03/2016 tentang 1. Financial Services Authority Regulation No. 4/POJK.03/2016 on
Penilaian Tingkat Kesehatan Bank Umum; Sound Level Assessment for Commercial Banks;
2. Peraturan Otoritas Jasa Keuangan No. 18/POJK.03/2016 2. Financial Services Authority Regulation No. 18/POJK.03/2016
tentang Penerapan Manajemen Risiko bagi Bank Umum; on Implementation of Risk Management for Commercial Banks;
3. Peraturan Otoritas Jasa Keuangan No. 17 Tahun 2023 tentang 3. Financial Services Authority Regulation No. 17 of 2023 on
Penerapan Tata Kelola bagi Bank Umum; Implementation of Governance for Commercial Banks;
4. Peraturan Otoritas Jasa Keuangan No. 22 Tahun 2023 tentang 4. Financial Services Authority Regulation No. 22 of 2023 on Consumer
Perlindungan Konsumen dan Masyarakat di Sektor Jasa Keuangan; and Community Protection in the Financial Services Sector;
5. Peraturan Otoritas Jasa Keuangan No. 15 Tahun 2024 tentang 5. Financial Services Authority Regulation No. 15 of 2024 on
Integritas Pelaporan Keuangan Bank; Integrity of Financial Reporting of the Bank;
6. Peraturan Otoritas Jasa Keuangan No. 19 Tahun 2024 6. Financial Services Authority Regulation No. 19 of 2024 on
tentang Perubahan atas Peraturan Otoritas Jasa Keuangan Amendment to Financial Services Authority Regulation
No. 42/POJK.03/2015 tentang Kewajiban Pemenuhan Rasio No. 42/POJK.03/2015 on Obligation of Fulfillment of Liquidity
Kecukupan Likuiditas (Liquidity Coverage Ratio) Bagi Bank Umum; Coverage Ratio for Commercial Banks;
7. Peraturan Otoritas Jasa Keuangan No. 20 Tahun 2024 7. Financial Services Authority Regulation No. 20 of 2024 on
tentang Perubahan atas Peraturan Otoritas Jasa Keuangan Amendment to Financial Services Authority Regulation
No. 50/POJK.03/2017 tentang Kewajiban Pemenuhan Rasio No. 50/POJK.03/2017 on Obligation of Fulfillment of Net Stable
Pendanaan Stabil Bersih (Net Stable Funding Ratio) bagi Funding Ratio for Commercial Banks;
Bank Umum;
8. Surat Edaran Otoritas Jasa Keuangan No. 34/SEOJK.03/2016 8. Financial Services Authority Circular No. 34/SEOJK.03/2016 on
tentang Penerapan Manajemen Risiko bagi Bank Umum; Risk Management Implementation for Commercial Banks;
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Struktur Permodalan dan Manajemen Risiko
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9. Surat Edaran Otoritas Jasa Keuangan No. 13/SEOJK.03/2017 9. Financial Services Authority Circular No. 13/SEOJK.03/2017 on
tentang Penerapan Tata Kelola bagi Bank Umum; dan Implementation of Governance for Commercial Banks; and
10. Surat Edaran Otoritas Jasa Keuangan No. 14/SEOJK.03/2017 10. Financial Services Authority Circular No. 14/SEOJK.03/2017 on
tentang Penilaian Tingkat Kesehatan Bank Umum. Sound Level Assessment for Commercial Banks.
Penerapan Manajemen Risiko Bank Implementation of Bank Risk Management
Bank senantiasa berupaya untuk meningkatkan kualitas implementasi The Bank always strives to improve the quality of risk management
manajemen risiko guna menjadi mitra bisnis yang terpercaya dengan implementation to become a trusted business partner by
menyediakan kerangka kerja manajemen risiko, mempromosikan providing risk management framework, promoting risk culture,
risk culture, serta menarik talenta untuk mendukung pertumbuhan and attracting talent to support sustainable business growth.
bisnis yang berkelanjutan. Dalam penerapan manajemen risiko, In implementing risk management, the Bank refers to the
Bank berpedoman pada Peraturan Otoritas Jasa Keuangan Financial Services Authority Regulation No. 18/POJK.03/2016 on
No. 18/POJK.03/2016 tentang Penerapan Manajemen Risiko bagi Implementation of Risk Management for Commercial Banks, in
Bank Umum, di mana Bank menerapkan manajemen risiko secara which the Bank effectively implements risk management through
efektif melalui 4 (empat) pilar yang terdiri dari: 4 (four) pillars consisting of:
1. Pengawasan aktif Dewan Komisaris dan Direksi; 1. Active monitoring of Board of Commissioners and Board of
Directors;
2. Kecukupan kebijakan, prosedur, dan penetapan limit 2. Adequacy of risk management policies, procedures, and limit
manajemen risiko; setting;
3. Kecukupan proses identifikasi, pengukuran, pemantauan, 3. Adequacy of process of risk identification, measurement,
pengendalian, dan sistem informasi manajemen risiko; dan monitoring, and managament, as well as risk management
information system; and
4. Sistem pengendalian internal terhadap penerapan manajemen 4. Internal control system on risk management implementation.
risiko.
Pengawasan Aktif Dewan Komisaris dan Direksi Active Monitoring of Board of Commissioners
and Board of Directors
Tata kelola manajemen risiko senantiasa mengacu pada Peraturan Risk management governance refers to the Financial Services
Otoritas Jasa Keuangan No. 17 Tahun 2023 tentang Penerapan Authority Regulation No. 17 of 2023 on Implementation of
Tata Kelola bagi Bank Umum, Dewan Komisaris dan Direksi secara Governance for Commercial Banks, the Board of Commissioners
aktif melakukan pengawasan dan mitigasi serta mengembangkan and Board of Directors actively supervise, mitigate, and develop risk
budaya manajemen risiko di Bank. Adapun tugas dan tanggung management culture within the Bank. Duties and responsibilities of
jawab Dewan Komisaris sebagai berikut: the Board of Commissioners are as follows:
1. Melakukan pengawasan untuk kepentingan Bank atas kebijakan 1. Supervise in the interests of the Bank over the policies and
dan jalannya pengurusan Direksi, memberikan nasihat kepada management of the Board of Directors, provide advice to the
Direksi, dan bertanggung jawab atas pengawasan tersebut; Board of Directors, and be responsible for such supervision;
2. Melaksanakan tugas, wewenang, dan tanggung jawab dengan 2. Perform duties, authorities, and responsibilities in good faith
iktikad baik dan dengan prinsip kehati-hatian; dan and with prudential principles; and
3. Memberikan arahan, memantau, dan mengevaluasi pelaksanaan 3. Provide direction, monitor, and evaluate the implementation of
tata kelola, manajemen risiko, dan kepatuhan secara terintegrasi integrated governance, risk management, and compliance, as
serta kebijakan strategis Bank. well as the Bank’s strategic policies.
Dewan Komisaris dalam menjalankan fungsinya sebagai pengawasan In performing its supervisory function, the Board of Commissioners is
secara aktif dibantu oleh Komite Audit, Komite Pemantau Risiko, actively assisted by the Audit Committee, Risk Monitoring Committee,
dan Komite Remunerasi dan Nominasi. Sementara itu, tugas dan and Remuneration and Nomination Committee. Meanwhile, duties
tanggung jawab Direksi sebagai berikut: and responsibilities of the Board of Directors are as follows:
1. Menyusun kebijakan dan strategi manajemen risiko secara 1. Develop written and comprehensive risk management policies
tertulis dan komprehensif; and strategies;
2. Memiliki tanggung jawab atas pelaksanaan kebijakan 2. Is responsible for the implementation of risk management
manajemen risiko dan eksposur risiko yang diambil oleh Bank policies and risk exposure taken by the Bank as a whole;
secara keseluruhan;
3. Mengevaluasi dan memutuskan transaksi yang memerlukan 3. Evaluate and decide on transactions requiring approval from
persetujuan Direksi; the Board of Directors;
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4. Mengembangkan budaya manajemen risiko pada seluruh 4. Develop a risk management culture at all levels of the
jenjang organisasi; organization;
5. Memastikan peningkatan kompetensi sumber daya manusia 5. Ensure increased competency of human resources related to
yang terkait dengan manajemen risiko; dan risk management; and
6. Memastikan bahwa fungsi manajemen risiko telah beroperasi 6. Ensure that the risk management function operates
secara independen. independently.
Direksi dibantu oleh Executive Committee terkait Manajemen The Board of Directors is assisted by an Executive Committee
Risiko, seperti Komite Manajemen Risiko, Komite Kredit, ALCO, related to Risk Management, such as the Risk Management
Komite Pengarah Teknologi Informasi, Komite Pengadaan, Komite Committee, Credit Committee, ALCO, Information Technology
Pemantau dan Pelaksanaan GCG, Komite Personalia, Komite Produk, Steering Committee, Procurement Committee, GCG Monitoring
dan Komite Kebijakan Perkreditan. Penerapan manajemen risiko and Implementation Committee, Personnel Committee, Product
bukan hanya tanggung jawab Dewan Komisaris dan Direksi, tetapi Committee, and Credit Policy Committee. Risk management
juga seluruh jenjang organisasi sesuai dengan fungsi dan tanggung implementation is not only the responsibility of the Board of
jawabnya, serta menganut konsep Three Lines of Defense. Commissioners and Board of Directors, but also all levels of the
organization in accordance with their functions and responsibilities,
and adhering to the Three Lines of Defense concept.
Kecukupan Kebijakan, Prosedur, dan Adequacy of Policies, Procedures, and
Penetapan Limit Manajemen Risiko Limit Establishment of Risk Management
Pengelolaan risiko di Bank Victoria didukung dengan kerangka Risk management at Bank Victoria is supported by risk management
kerja manajemen risiko, yang merupakan kebijakan tertinggi framework, which is the highest policy in implement risk management
dalam penerapan manajemen risiko di Bank. Kerangka ini disusun at the Bank. This framework is prepared in line with the Bank’s
sejalan dengan visi, misi, strategi bisnis Bank, risk appetite, dan risk vision, mission, business strategy, risk appetite, and risk tolerance,
tolerance, dengan memperhatikan kapasitas modal Bank dalam with due observance of the Bank’s capital capacity in absorbing
menyerap eksposur risiko yang mungkin timbul. possible risk exposure.
Sebagai pelengkap dari kerangka manajemen risiko, Bank juga As a complement to the risk management framework, the Bank
menyusun kebijakan dan prosedur penerapan manajemen risiko also prepares policies and procedures for implementing risk
yang menjadi pedoman tertulis dalam setiap aktivitas fungsional management that serve as written guidelines in every functional
Bank. Kebijakan ini mencakup pengaturan mengenai penetapan activity of the Bank. These policies include regulations regarding
limit risiko, baik pada level portofolio maupun transaksional guna the determination of risk limits, both at portfolio and transactional
memastikan pengelolaan risiko yang efektif dan selaras dengan levels to ensure an effective risk management and to comply with
standar perbankan yang berlaku. Seluruh kebijakan dan prosedur the applicable banking standards. All policies and procedures at
di Bank merupakan bentuk pengelolaan risiko yang melekat pada the Bank are a form of risk management inherent in every
setiap aktivitas operasional di Bank yang dikinikan secara berkala operational activity at the Bank, updated periodically by considering
dengan memperhatikan kompleksitas kegiatan usaha, profil risiko, the complexity of business activities, risk profile, interrelationship
dan keterkaitan antar risiko, serta peraturan yang ditetapkan between risks, and regulations set by the authorities, and/or sound
otoritas dan/atau praktik perbankan yang sehat. banking practices.
Dalam rangka pengendalian risiko secara efektif, kebijakan To control risk effectively, policies and procedures are based on risk
dan prosedur didasarkan pada strategi manajemen risiko dan management strategies and equipped with risk tolerances and risk
dilengkapi dengan toleransi risiko dan limit risiko. Penetapan limits. Determination of risk tolerance and limits has considered the
toleransi dan limit risiko telah memperhatikan tingkat risiko yang risk appetite and overall strategy. Limits are determined based on
akan diambil dan strategi secara keseluruhan. Perihal penetapan overall limits, limits per type of risk, and limits per certain functional
limit didasarkan atas limit secara keseluruhan, limit per jenis risiko, activities that have risk exposure adjusted to the Bank’s complexity
dan limit per aktivitas fungsional tertentu yang memiliki eksposur and business as well as compliance with applicable regulations.
risiko disesuaikan dengan kompleksitas dan usaha Bank serta Whereas, limits are prepared and proposed by risk taking unit and
kepatuhan terhadap ketentuan yang berlaku. Sedangkan, dalam submitted to the Risk Management/Integrated to be evaluated
penyusunan dan pengajuan limit diusulkan oleh unit kerja (risk and proposed to the Risk Management Committee or ALCO.
taking unit) dan disampaikan kepada Risk Management/Integrated Furthermore, risk tolerance and risk limits are recommended to
untuk dievaluasi dan diajukan kepada Komite Manajemen Risiko the President Director for approval under acknowledgment of the
atau ALCO. Selanjutnya, toleransi dan limit risiko direkomendasikan Board of Commissioners.
kepada Direktur Utama untuk mendapatkan persetujuan dengan
sepengetahuan Dewan Komisaris.
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Struktur Permodalan dan Manajemen Risiko
Capital Structure and Risk Management
Kecukupan Proses Identifikasi, Pengukuran, Adequacy of Identification, Measurement,
Pemantauan, Pengendalian, dan Sistem Monitoring, and Control Processes, as well as
Informasi Manajemen Risiko Risk Management Information System
Proses manajemen risiko meliputi tahapan berikut: The risk management process includes the following stages:
1. Identifikasi 1. Identification
Identifikasi risiko merupakan proses untuk menentukan risiko Risk identification is a process to determine inherent risks within
yang melekat pada aktivitas Bank berpotensi menghambat the Bank’s activities with potential to hinder the achievement
pencapaian tujuan. Identifikasi risiko Bank dilakukan melalui of the Bank’s objectives. The Bank’s risk identification is carried
analisis terhadap seluruh jenis risiko, terutama kompleksitas dan out through the analysis of all types of risk, particularly the
karakteristik risiko yang melekat yang berpotensi merugikan complexity and characteristics of inherent risks that may
Bank. potentially harm the Bank.
2. Pengukuran 2. Measurement
Tujuan pengukuran risiko adalah untuk mengukur tingkat risiko The risk measurement is aimed to measure the level of inherent
yang melekat pada aktivitas Bank dan dampaknya terhadap risk within the Bank’s activities and its impact on the Bank’s
permodalan, pendapatan, dan/atau strategi Bank. Pengukuran capital, income, and/or strategy. The Bank’s risk measurement
risiko Bank dilakukan secara berkala, baik untuk produk dan is carried out periodically, either for products or portfolios or
portofolio maupun seluruh aktivitas bisnis Bank yang bertujuan all business activities intended to measure the Bank’s risk
untuk mengukur eksposur risiko Bank sebagai acuan di dalam exposure as a reference in risk control.
pengendalian risiko.
3. Pemantauan 3. Monitoring
Pemantauan risiko adalah proses untuk mengetahui, Risk monitoring is a process for finding out, evaluating the level
mengevaluasi potensi tingkat risiko dan efektivitas respons of potential risk, and effectiveness of responses carried out at
yang dijalankan di Bank. Pemantauan risiko Bank antara lain the Bank. The Bank’s risk monitoring includes the magnitude
mencakup besarnya eksposur risiko, toleransi risiko, kepatuhan of risk exposure, risk tolerance, internal limit compliance,
limit internal, hasil stress testing, dan konsistensi pelaksanaan stress testing results, and consistent implementation with the
dengan kebijakan dan prosedur yang ditetapkan dan peraturan established policies, procedures, and other external related
terkait eksternal lainnya. Pemantauan didukung oleh sistem regulations. Monitoring is supported by the risk management
informasi manajemen risiko dan disesuaikan dengan kebutuhan information system, which is tailored to needs in order to
dalam rangka penerapan manajemen risiko yang efektif. implement effective risk management.
4. Pengendalian 4. Control
Pengendalian risiko adalah metode yang digunakan Bank Risk control is the method used by the Bank to evaluate
untuk mengevaluasi potensi kerugian dan tindakan yang potential loss and actions to be taken to accept, reduce,
dilakukan untuk menerima, mengurangi, mengalihkan, atau transfer, or eliminate risks. The risk control of the Bank is carried
menghilangkan risiko. Pengendalian risiko Bank dilakukan out by following up on material and significant risks, attached
antara lain dengan memberikan tindak lanjut atas risiko yang monitoring, and conducting internal audits periodically.
bersifat material dan signifikan, pengawasan melekat, dan
pelaksanaan audit internal secara berkala.
Penerapan proses manajemen risiko didukung oleh sistem informasi The risk management process is supported by information system
yang memadai dan dikembangkan sesuai dengan kebutuhan that is adequate and developed in accordance with the Bank’s
Bank dalam rangka penerapan manajemen risiko yang efektif. needs in order to implement effective risk management. The risk
Sistem informasi manajemen risiko dan informasi yang dihasilkan management information system and the information generated
disesuaikan dengan karakteristik dan kompleksitas kegiatan usaha are adapted to the characteristics and complexity of the Bank’s
Bank, serta adaptif terhadap perubahan. business activities, as well as adaptive to changes.
Sistem Pengendalian Internal Terhadap Internal Control System on
Penerapan Manajemen Risiko Risk Management Implementation
Bank menerapkan sistem pengendalian intern secara efektif The Bank implements an effective internal control system, which
dan mengacu kepada kebijakan dan prosedur yang ditetapkan. refers to the established policies and procedures. The principle
Prinsip pemisahan fungsi harus memadai dan dilaksanakan of separation of functions shall be adequate and implemented
secara konsisten. Sistem pengendalian internal dalam penerapan consistently. The internal control system in implementing risk
manajemen risiko sekurang-kurangnya mencakup: management must at least include:
1. Pengelolaan dan pengendalian risiko yang melekat pada 1. Managing and controlling risk inherent in the Bank’s business
kegiatan usaha Bank; activities;
2. Pelaporan keuangan dan kegiatan operasional yang akurat dan 2. Accurate and timely reporting of financial and operational
tepat waktu; activities;
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3. Peningkatan kepatuhan terhadap ketentuan yang berlaku; 3. Improving compliance with applicable regulations;
4. Pengurangan dampak kerugian keuangan, penyimpangan 4. Reducing the impact of financial loss, irregularities including
termasuk kecurangan (fraud), dan pelanggaran; fraud, and violation;
5. Peningkatan efektivitas organisasi dan meningkatkan efisiensi 5. Improving organization effectiveness and improving cost
biaya; efficiency;
6. Pengelolaan risiko agar tetap dalam batas toleransi (risk tolerance) 6. Managing risk in order to remain within the limits of risk tolerance
dan risk appetite sesuai ukuran dan kompleksitas usaha; and risk appetite according to the business size and complexity;
7. Pengkajian ulang terhadap sistem informasi manajemen risiko; 7. Reviewing the risk management information system; and
dan
8. Verifikasi dan pengkajian ulang secara berkala dan 8. Verifying and reviewing material problems and actions to rectify
berkesinambungan terhadap permasalahan yang bersifat material occurring problems, periodically and continuously.
dan tindakan untuk memperbaiki permasalahan yang terjadi.
Evaluasi terhadap efektivitas penerapan sistem pengendalian Evaluation of the effectiveness of internal control system is
internal dilakukan secara terus menerus dan berkesinambungan performed continuously and ongoing so that the Bank can monitor
agar Bank dapat memantau dan memitigasi risiko-risiko yang and mitigate the risks effectively. Such evaluation result is used as
dihadapi secara efektif. Hasil evaluasi tersebut dijadikan dasar a basis for improving and refining the system and internal control
untuk perbaikan dan penyempurnaan sistem ataupun kebijakan policy.
pengendalian internal.
Strategi Penerapan Manajemen Risiko Risk Management Implementation Strategy
Strategi manajemen risiko Bank disusun dengan menetapkan risk The Bank’s risk management strategy is prepared by establishing
appetite dan risk tolerance yang jelas, mencerminkan keseimbangan a clear risk appetite and risk tolerance, reflecting the balance
antara risiko dan pengembalian. Strategi ini diterapkan melalui between risk and return. This strategy is implemented through
tahapan identifikasi, pengukuran, pemantauan, dan pengendalian the stages of risk identification, measurement, monitoring, and
risiko, serta melalui pengaturan tata kelola risiko yang efektif. control, as well as through effective risk governance arrangements.
Bank menerapkan strategi manajemen risiko dengan orientasi jangka The Bank implements risk management strategy with a long-term
panjang guna memastikan kelangsungan bisnis, menghasilkan orientation to ensure business sustainability, generate sustainable
laba yang berkelanjutan, dan menciptakan nilai bagi seluruh profits, and create value for all stakeholders. This strategy is
pemangku kepentingan. Penyusunan strategi ini mempertimbangkan prepared by considering various internal and external factors
berbagai faktor internal dan eksternal yang dapat memengaruhi that may affect the Bank’s operations.
operasional Bank.
Sebagai bagian dari rencana bisnis Bank, strategi manajemen risiko As part of the Bank’s business plan, the risk management strategy
harus dikomunikasikan secara efektif oleh Direksi kepada seluruh must be communicated effectively by the Board of Directors to
karyawan agar dapat dipahami dan diimplementasikan dengan all employees for it to be understood and implemented properly.
baik. Direksi juga melakukan pengkajian berkala terhadap strategi The Board of Directors also regularly reviews the risk management
manajemen risiko, termasuk dampaknya terhadap kinerja keuangan, strategy, including its impact on financial performance, and makes
serta melakukan penyesuaian strategi bila diperlukan. adjustments to the strategy if necessary.
Penyusunan strategi manajemen risiko didasarkan pada prinsip-prinsip The risk management strategy is prepared based on risk principles,
risiko, yang mencakup pernyataan (statement) mengenai pendekatan which include statements on the approach to risk management
manajemen risiko dan budaya risiko yang ingin dipertahankan and risk culture that the Bank wishes to maintain. Furthermore,
oleh Bank. Selain itu, strategi ini juga memastikan bahwa Bank this strategy also ensures that the Bank can achieve its business
dapat mencapai tujuan bisnisnya secara konsisten, menghasilkan objectives consistently, generate sustainable profits, and maximize
keuntungan yang berkelanjutan, serta memaksimalkan kepentingan the interests of stakeholders.
para pemangku kepentingan.
Strategi manajemen risiko senantiasa dilakukan Bank, baik dari The Bank constantly performs risk management strategy, either
segi struktur organisasi dan sumber daya manusia, kebijakan on the organizational structure and human resources, policy and
dan prosedur, maupun sistem pendukung agar sesuai dengan procedure, or on the supporting system to be in line with the
perkembangan aktivitas perbankan yang semakin beragam dan development of banking’s activities that are more various and
kompleks. Usaha tersebut dilakukan Bank agar dapat mengelola complex. The effort is made by the Bank in order to manage the risks,
risiko yang dihadapi, melakukan upaya pencegahan atau mitigasi, to prevent and mitigate, and to reserve capital to assist the Bank in
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Struktur Permodalan dan Manajemen Risiko
Capital Structure and Risk Management
serta mencadangkan modal, sehingga membantu Bank dalam planning the future direction of the business growth. Improvement
merencanakan arah pertumbuhan bisnis di masa depan. Perbaikan and refinement of risk management are conducted as follows:
dan peningkatan pengelolaan dilakukan melalui:
1. Menjaga eksposur risiko secara keseluruhan (aggregate) 1. Maintaining an aggregate risk exposure or per type of risk by
maupun per jenis risiko dengan mempertimbangkan keterkaitan considering the interrelationships among the risks;
antar risiko;
2. Evaluasi dan penyempurnaan pengukuran risiko secara berkala 2. Evaluating and refining the risk measurement on a regular basis
atau sewaktu-waktu apabila diperlukan untuk memastikan or at any time as necessary to ensure conformity of accuracy,
kesesuaian akurasi, kewajaran, serta prosedur yang digunakan reasonableness, and procedures used to measure risks; and
untuk mengukur risiko; dan
3. Analisa dan evaluasi kecenderungan terhadap perubahan 3. Analyzing and evaluating trends towards changes in factors
faktor-faktor yang memengaruhi kinerja Bank, baik faktor affecting the Bank’s performance, both internal and external
internal maupun eksternal. factors.
Pada prinsipnya, pengelolaan risiko dilakukan secara proaktif guna In principle, risk management is carried out proactively in order to
mencapai pertumbuhan kinerja keuangan maupun kelangsungan achieve sound and sustainable growth in financial performance
bisnis Bank yang sehat dan berkelanjutan serta memelihara tingkat and business continuity of the Bank and to maintain an optimal
risk adjusted return secara optimal sesuai dengan risk appetite level of risk adjusted return in accordance with the established
yang ditetapkan. risk appetite.
Struktur Tata Kelola Risiko Risk Governance Structure
Dalam rangka penerapan tata kelola manajemen risiko, Bank To implement risk management governance, the Bank determines
menetapkan tugas dan tanggung jawab Dewan Komisaris, Direksi, the duties and responsibilities of the Board of Commissioners,
dan berbagai komite yang dibentuk sesuai dengan ketentuan Board of Directors, and various committees established in
regulator dan tingkat kompleksitas Bank. Adapun tugas dan accordance with regulatory requirements and the Bank’s level of
tanggung jawabnya sebagai berikut: complexity. The duties and responsibilities are as follows:
1. Dewan Komisaris 1. Board of Commissioners
a. Mengevaluasi dan menyetujui kebijakan manajemen risiko; a. Evaluating and approving risk management policies;
b. Memastikan penerapan manajemen risiko telah memadai b. Ensuring that risk management is implemented adequately
dengan karakteristik, kompleksitas usaha, dan profil risiko with the Bank’s characteristics, business complexity,
Bank; and risk profile;
c. Mengevaluasi pertanggungjawaban Direksi atas c. Evaluating the Board of Directors’ accountability for
pelaksanaan kebijakan manajemen risiko; dan the implementation of risk management policies; and
d. Memastikan kebijakan dan proses manajemen risiko d. Ensuring that risk management policies and processes are
dilaksanakan secara efektif dan terintegrasi dalam proses implemented effectively and integrated into the overall
manajemen secara keseluruhan. management process.
2. Direksi 2. Board of Directors
a. Menyusun kebijakan dan strategi manajemen risiko secara a. Developing written and comprehensive risk management
tertulis dan komprehensif; policies and strategies;
b. Bertanggung jawab atas pelaksanaan kebijakan manajemen b. Being responsible for the implementation of risk
risiko dan eksposur risiko yang diambil oleh Bank secara management policies and risk exposure taken by the Bank
keseluruhan; as a whole;
c. Menindaklanjuti dan menyampaikan laporan c. Following up and submitting accountability reports on
pertanggungjawaban atas pelaksanaan manajemen risiko the implementation of risk management to the Board of
kepada Dewan Komisaris melalui Komite Pemantau Risiko; Commissioners through the Risk Monitoring Committee;
d. Mengembangkan budaya manajemen risiko, termasuk d. Developing risk management culture, including risk
kesadaran risiko di seluruh jenjang organisasi; dan awareness at all organizational levels; and
e. Memastikan fungsi manajemen risiko telah diterapkan e. Ensuring that the risk management function is implemented
secara independen, yang tercermin dalam pemisahan independently, which is reflected in the separation of
fungsi antara Satuan Kerja Manajemen Risiko yang functions between the Risk Management Work Unit that
melakukan identifikasi, pengukuran, pemantauan, dan identifies, measures, monitors, and controls risks, and the
pengendalian risiko, terhadap risk taking unit yang risk taking unit that carries out business activities.
menjalankan kegiatan bisnis.
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3. Komite Manajemen Risiko merupakan komite eksekutif 3. Risk Management Committee is an executive committee
di bawah Direksi yang bertanggung jawab memastikan under the Board of Directors that is responsible for
efektivitas kerangka kerja manajemen risiko dan ensuring the effectiveness of risk management framework
implementasinya dalam mendukung strategi bisnis. Komite and implementation in supporting business strategy. Risk
Manajemen Risiko juga bertanggung jawab untuk mengevaluasi Management Committee is also responsible for evaluating and
dan merekomendasikan kebijakan manajemen risiko, termasuk recommending risk management policies, including strategies,
strategi, risk appetite, toleransi risiko, limit risiko, kerangka risk appetite, risk tolerance, risk limits, risk management
kerja manajemen risiko, dan rencana kontingensi untuk framework, and contingency plans to anticipate abnormal
mengantisipasi kondisi abnormal, serta memastikan eksposur conditions, as well as ensuring risk exposure for all types of risk
risiko untuk semua jenis risiko di Bank tetap dalam batas yang in the Bank remains within limits in accordance with the risk
sesuai dengan risk appetite. appetite.
4. Komite Pemantau Risiko bertujuan untuk membantu Dewan 4. Risk Monitoring Committee aims to assist the Board
Komisaris dalam pemantauan implementasi manajemen risiko of Commissioners in monitoring the risk management
dan mengevaluasi pelaksanaan kebijakan manajemen risiko di implementation and evaluating the implementation of risk
tingkat eksekutif. management’s policies at executive level.
5. Komite Kredit merupakan suatu komite yang beranggotakan 5. Credit Committee is a committee consisting of authority holders
pemegang kewenangan kredit/pemegang kewenangan of credit/authority holders of credit decision, including credit
keputusan kredit, termasuk restrukturisasi kredit yang terdiri restructuring which consists of representatives from Business
dari perwakilan Business Division, Special Asset Management Division, Special Asset Management (SAM) Division, and Credit
(SAM) Division, dan Credit Risk Review Division, di mana Risk Review Division, in which the authority to terminate credit is
kewenangan pemutusan kredit hanya diberikan kepada only given to individual with adequate capability, competence,
individu dengan kapabilitas, kompetensi, dan integritas yang and integrity.
memadai.
6. Komite Kebijakan Perkreditan merupakan komite yang 6. Credit Policy Committee is a committee that assists the
membantu Direksi dalam merumuskan kebijakan perkreditan Board of Directors in formulating credit policies, so as credit
agar pemberian kredit dilakukan dengan prinsip kehati-hatian, provision is carried out with prudential principle, monitoring
memantau dan mengevaluasi pelaksanaan kebijakan and evaluating the implementation of credit policies, credit
perkreditan, perkembangan portofolio kredit, serta memberikan portfolio development, and providing suggestions or solutions
saran atau solusi sebagai langkah perbaikan. Komite Kebijakan as corrective measures. The Credit Policy Committee is
Perkreditan bertanggung jawab atas pengawasan dan responsible for the supervision and approval of policies,
persetujuan terkait kebijakan, prosedur, serta parameter risiko procedures, and credit risk parameters.
kredit.
7. Risk Management/Integrated merupakan satuan kerja 7. Risk Management/Integrated is an independent work unit of
independen dari risk taking unit dan unit pengendalian internal the risk taking unit and internal control unit that is responsible
yang bertanggung jawab kepada Direktur yang membawahi to the Director in charge of risk management.
manajemen risiko.
Informasi lebih rinci terkait Komite Pemantau Risiko, Komite More detailed information regarding the Risk Monitoring Committee,
Manajemen Risiko, Komite Kredit, dan Komite Kebijakan Perkreditan Risk Management Committee, Credit Committee, and Credit Policy
telah disampaikan pada bab Tata Kelola Perusahaan dalam Committee is presented in the Corporate Governance chapter of
Laporan Tahunan ini. this Annual Report.
Seluruh manajemen dan karyawan Bank Victoria memiliki peran dan All management and employees of Bank Victoria have roles
tanggung jawab dalam penerapan, kepatuhan, serta peningkatan and responsibilities in the implementation, compliance, and
sistem pengendalian internal di Bank. Hal ini tercermin dalam improvement of the internal control system at the Bank. This is
konsep Three Lines of Defenses, yang telah diimplementasikan reflected in the Three Lines of Defenses concept, which has been
di seluruh lini organisasi guna memastikan pengelolaan risiko yang implemented across all lines of the organization to ensure an
efektif dan menyeluruh. effective and comprehensive risk management.
Dalam penerapannya, struktur dengan pembagian tugas dan In its application, the structure and division of tasks and
tanggung jawab dalam proses pengelolaan risiko dibagi menjadi responsibilities in risk management process are divided into
3 (tiga) yang meliputi: 3 (three) which include:
1. Lini 1: memiliki anggota dan mengelola risiko sehari-hari 1. Line 1: has members and manages day-to-day risks inherent in
yang melekat dalam bisnis dan/atau kegiatannya, termasuk business and/or its activities, including risk taking. This includes
pengambilan risiko. Termasuk mengidentifikasi, menilai, identifying, assessing, controlling, mitigating, monitoring,
mengendalikan, memitigasi, memantau, dan melaporkan and reporting risk exposures, as well as ensuring that such
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Struktur Permodalan dan Manajemen Risiko
Capital Structure and Risk Management
eksposur risikonya dan memastikan bahwa hal tersebut dalam matters are within the limits set in risk strategy, risk tolerance,
batasan yang telah ditetapkan dalam strategi risiko, risk risk appetite, and risk management framework, policies, and
tolerance, risk appetite, serta kerangka kerja, kebijakan dan procedures. Designs and implements activities and controls in
prosedur manajemen risiko. Merancang dan melaksanakan end-to-end processes;
aktivitas dan kontrol dalam end-to-end process;
2. Lini 2: fungsi untuk menetapkan dan memiliki kerangka kerja, 2. Line 2: fungtion for establishes and has risk management
kebijakan dan prosedur manajemen risiko untuk mengidentifikasi, framework, policies, and procedures to identify, assess, control,
menilai, mengendalikan, memitigasi, memantau, dan melaporkan mitigate, monitor, and report on specific risks for which the
risiko tertentu yang menjadi tanggung jawab fungsi tersebut. function is responsible. Provides overall risk governance
Menyediakan tata kelola risiko dan pengawasan secara and supervision of risk management framework, including
keseluruhan atas kerangka kerja manajemen risiko, termasuk monitoring and reporting the Bank’s overall risk exposure.
pemantauan dan pelaporan eksposur risiko secara keseluruhan Reviews, analyzes, and evaluates risk assessments and risk
dari Bank. Mengkaji, menganalisis, dan mengevaluasi penilaian management effectiveness carried out by Line 1; and
risiko serta efektivitas pengelolaan risiko yang dilakukan oleh
Lini 1; dan
3. Lini 3: menyediakan reasonable assurance melalui penilaian 3. Line 3: provides reasonable assurance through independent
independen, tinjauan dan validasi (kerangka kerja, kebijakan, assessment, review, and validation (risk management
dan perangkat manajemen risiko cukup kuat dan konsisten framework, policies, and tools are quite strong and consistent
dengan standar peraturan yang berlaku, kontrol untuk with applicable regulations’ standards, controls to mitigate
memitigasi risiko sudah cukup dan efektif dijalankan oleh Lini 1, sufficient and effective risks implemented by Line 1, adequate
pengawasan yang memadai oleh Lini 2 terhadap Lini 1). supervision by Line 2 against Line 1).
Bank secara berkala melakukan kaji ulang dan evaluasi terhadap The Bank periodically reviews and evaluates the work units to
unit kerja guna mengidentifikasi setiap risiko potensial yang dapat identify any potential risks that could have a significant impact
berdampak signifikan terhadap operasional Bank. Evaluasi ini on the Bank’s operations. This evaluation aims to ensure that risk
bertujuan untuk memastikan bahwa manajemen risiko diterapkan management is implemented effectively and in line with business
secara efektif dan selaras dengan perkembangan bisnis serta developments and applicable regulations.
regulasi yang berlaku.
Proses evaluasi pelaksanaan manajemen risiko menggunakan The risk management evaluation process uses risk-based approach
pendekatan berbasis risiko (risk-based approach) dan dilakukan oleh and is performed by Risk Management, in coordination with all
Risk Management dengan bekerja sama dengan seluruh unit kerja relevant work units. The results of this evaluation are then reviewed
terkait. Hasil evaluasi ini kemudian ditinjau dan dikomunikasikan and communicated through various periodic meetings, including
melalui berbagai rapat berkala, termasuk rapat Komite Manajemen Risk Management Committee’s meetings, to ensure that the risk
Risiko, guna memastikan bahwa strategi pengelolaan risiko tetap management strategy remains optimal and can support the Bank’s
optimal dan dapat mendukung keberlanjutan bisnis Bank. business sustainability.
Stress Test Stress Test
Stress testing adalah teknik yang digunakan oleh Bank Victoria Stress test is a technique used by Bank Victoria to assess the Bank’s
untuk kerentanan Bank terhadap kejadian di luar aktivitas bisnis vulnerability to events outside of normal business activities, while
normal, namun tetap masuk akal. Stress test dirancang untuk menilai remaining reasonable. Stress test is designed to assess the impact
dampak dari peristiwa luar biasa dengan kemungkinan kejadian of extraordinary event with a low probability but high risk event. The
rendah tetapi berisiko tinggi. Tujuan dari stress test antara lain: purposes of stress tests are among others:
1. Mengelola portofolio agar tidak terjadi konsentrasi risiko yang 1. Managing the portfolio so that there is no excessive
terlalu tinggi, yang dapat menyebabkan kerugian besar pada concentration of risk, which can cause large loss in extreme but
kondisi skenario ekstrem tetapi mungkin terjadi; possible scenarios;
2. Memastikan sumber daya keuangan Bank cukup untuk 2. Ensuring the Bank’s financial resources are sufficient to survive
bertahan dalam skenario yang parah tetapi masuk akal; severe but reasonable scenario;
3. Memiliki fleksibilitas finansial untuk menghadapi skenario 3. Having financial flexibility to face extreme but possible scenario;
ekstrem tetapi mungkin terjadi; dan and
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4. Memahami risiko model bisnis utama, mengidentifikasi peristiwa 4. Understanding the risks of main business model, identifying
ekstrem yang dapat berdampak pada Bank, serta menentukan extreme events that can impact the Bank, and determining
tindak lanjut untuk mengurangi kemungkinan dan/atau follow-up actions to reduce the likelihood and/or impact.
dampaknya.
Stress test digunakan sebagai alat untuk menilai kemampuan Stress test is used as a tool to assess the Bank’s ability to absorb
Bank dalam menyerap potensi risiko atas memburuknya kondisi potential risks from worsening economic conditions, such as
ekonomi, seperti resesi, krisis pasar keuangan, atau peristiwa recession, financial market crises, or specific risk events that occur in
risiko spesifik yang terjadi di Bank. Analisis dilakukan dengan the Bank. The analysis is carried out by using hypothetical scenario
menggunakan skenario hipotetis atau analisis sensitivitas untuk or sensitivity analysis to determine whether the Bank has sufficient
menentukan apakah Bank memiliki kapasitas yang cukup dalam capacity to face adverse conditions for the Bank. The results of this
menghadapi kondisi merugikan Bank. Hasil dari stress test ini harus stress test must be clearly documented.
terdokumentasikan dengan jelas.
Jenis stress test yang dilakukan Bank Victoria sebagai berikut: The types of stress test conducted by Bank Victoria are as follows:
1. Analisa sensitivitas, menilai pengaruh perubahan 1 (satu) faktor 1. Sensitivity analysis, assessing the impact of changes in 1 (one)
risiko atau variabel terhadap portofolio pada waktu tertentu, risk factor or variable on the portfolio at a certain time, assuming
dengan asumsi faktor risiko lainnya tetap; other risk factors remain constant;
2. Analisa skenario, mengubah beberapa faktor risiko berdasarkan 2. Scenario analysis, changing several risk factors based on
skenario yang dibangun atau ditentukan. Skenario dapat scenarios that are built or determined. Scenario may be based
berbasis: on:
a. Skenario hipotesis, merupakan skenario yang dibangun a. Hypothetical scenario, is scenario built by simulating
dengan mensimulasikan kejadian yang mungkin terjadi di events that may occur in the future but have never
masa depan tetapi belum pernah terjadi sebelumnya; dan happened before; and
b. Skenario historis, merupakan skenario stress yang dibangun b. Historical scenario, is stress scenario built by reconstructing
dengan merekonstruksikan kejadian krisis yang pernah crisis events that have occurred in the past with a more
terjadi di masa lalu dengan pendekatan yang lebih objektif. objective approach.
Stress test dilakukan dengan berbagai asumsi skenario serta Stress test is conducted with various scenario assumptions and
action plan/remedial action terkait risiko kredit, pasar, dan likuiditas. action plans/remedial actions related to credit, market, and liquidity
Bank Victoria merancang skenario stress test dalam berbagai risks. Bank Victoria designs stress test scenarios at various levels
tingkatan berdasarkan intensitas stres berikut: based on the following stress intensity:
1. Makro ekonomi, merupakan suatu skenario yang 1. Macroeconomic, is a scenario that considers the main
mempertimbangkan faktor-faktor utama makro ekonomi, seperti macroeconomic factors, such as gross domestic product
pertumbuhan produk domestik bruto, nilai tukar, rating sovereign, growth, exchange rates, sovereign ratings, cost of funds,
biaya dana, suku bunga overnight, inflasi, dan imbal hasil overnight interest rates, inflation, and bond yields. This type of
obligasi. Jenis skenario ini paling umum digunakan stress test; scenario is the most commonly used stress test;
2. Sistemik (market-wide), merupakan suatu skenario yang 2. Systemic (market-wide), is a scenario that considers the
mempertimbangkan dampak sistemik dari peristiwa ekonomi, systemic impact of economic events, financial problems, or
masalah keuangan, atau kejadian katastropis lainnya baik di dalam other catastrophic events both at home and abroad that may
maupun di luar negeri yang mungkin memengaruhi Bank; affect the Bank;
3. Idiosyncratic, merupakan suatu skenario yang 3. Idiosyncratic, is a scenario that considers specific events that
mempertimbangkan peristiwa khusus yang hanya berdampak only impact Bank Victoria, such as cyber risk, major trading
pada Bank Victoria, seperti cyber risk, kerugian besar dalam losses, or large-scale fraud cases;
trading, atau kasus fraud yang berskala besar;
4. Gabungan, merupakan suatu skenario yang mencakup kombinasi 4. Combined, is a scenario that includes a combination of
antara skenario makro ekonomi dan skenario idiosyncratic; serta macroeconomic scenario and idiosyncratic scenario; and
5. Reverse stress test, merupakan suatu skenario yang 5. Reverse stress test, is a scenario that assumes the Bank’s
mengasumsikan tingkat modal dan likuiditas Bank berada capital and liquidity levels are below the minimum regulatory
di bawah ketentuan minimum regulator, sehingga dapat requirements, so that it can help anticipate the worst
membantu dalam mengantisipasi kemungkinan terburuk. possibilities.
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Struktur Permodalan dan Manajemen Risiko
Capital Structure and Risk Management
Risk Management/Integrated Risk Management/Integrated
Risk Management/Integrated merupakan satuan kerja independen The Risk Management/Integrated is an independent work
terhadap satuan kerja operasional dan satuan kerja yang melaksanakan unit against operational work units and a work unit performing
fungsi pengendalian internal. Risk Management/Integrated internal control functions. The Risk Management/Integrated is
dipimpin oleh seorang Kepala Divisi dan bertanggung jawab led by a Division Head who is directly responsible to the Director
langsung kepada Direktur Kepatuhan dan Manajemen Risiko. Risk of Compliance and Risk Management. The Risk Management/
Management/Integrated bekerja sama dengan seluruh unit bisnis Integrated partners with all business units and supporting units
dan unit pendukung untuk membangun secara komprehensif to build a comprehensive process of identification, measurement,
dalam melakukan proses identifikasi, pengukuran, pemantauan, monitoring, control of risk and information systems. The Risk
pengendalian risiko dan sistem informasi, Risk Management/ Management/Integrated becomes a strategic partner of the
Integrated menjadi mitra strategis dari unit-unit bisnis guna business units to optimize revenue and minimize potential losses
mengoptimalkan pendapatan dan meminimalisir potensi kerugian from the Bank’s operational functional activities.
dari aktivitas fungsional operasional Bank.
Pedoman Risk Management/Integrated Risk Management/Integrated Guidelines
Pelaksanaan tugas Risk Management/Integrated berpedoman The Risk Management/Integrated duty implementation is
pada Kebijakan dan Pedoman Umum Manajemen Risiko (Kebijakan guided by the General Risk Management Policy and Guidelines
Utama Kerangka Kerja Manajemen Risiko) yang disahkan tanggal (Main Risk Management Framework Policy) ratified on 31 January
31 Januari 2024. 2024.
Tugas dan Tanggung Jawab Duties and Responsibilities of
Risk Management/Integrated Risk Management/Integrated
Risk Management/Integrated memiliki tugas dan tanggung jawab The Risk Management/Integrated has the following duties and
sebagai berikut: responsibilities:
1. Memantau pelaksanaan strategi manajemen risiko yang telah 1. Monitoring the implementation of risk management strategy
disetujui oleh Direksi; that has been approved by the Board of Directors;
2. Mengawasi dan menguji aktivitas pengambilan risiko dan 2. Supervising and examining risk taking activities and risk
rencana remediasi risiko yang dibuat oleh Lini 1, termasuk remediation plans created by Line 1, including new bank
penyelenggaraan produk baru bank serta membuat products, and making recommendations or decisions to
rekomendasi atau keputusan untuk menyetujui atau menolak approve or reject activities/products as needed;
aktivitas/produk sesuai kebutuhan;
3. Mengkaji ulang secara berkala terhadap proses manajemen 3. Periodically reviewing the risk management process;
risiko;
4. Memastikan dan memantau posisi risiko secara keseluruhan 4. Ensuring and monitoring the overall risk position (composite),
(composite), per jenis risiko, dan per jenis aktivitas fungsional per type of risk, and per type of functional activity in line with
sejalan dengan risk appetite dan risk tolerance, serta melakukan risk appetite and risk tolerance, and performing stress testing;
stress testing;
5. Memberikan rekomendasi kepada satuan kerja operasional 5. Providing recommendation to the operational work unit
(risk taking unit) dan/atau kepada Komite Manajemen (risk taking unit) and/or to the Risk Management Committee, in
Risiko sesuai kewenangan yang dimiliki, antara lain memuat accordance with its authority, among others, recommendations
rekomendasi yang terkait dengan besaran atau maksimum related to the amount or maximum risk exposure that must be
eksposur risiko yang wajib dipelihara oleh Bank; maintained by the Bank;
6. Menyusun dan menyampaikan laporan profil risiko kepada 6. Preparing and delivering the risk profile report to the President
Direktur Utama atau Direktur yang ditugaskan secara khusus, Director or Director specifically in charge of, and also
juga kepada Komite Manajemen Risiko secara berkala; dan the Risk Management Committee periodically; and
7. Melakukan evaluasi terhadap keakuratan model dan validitas 7. Evaluating the model accuracy and data validity used in
data yang digunakan dalam mengukur risiko untuk keperluan measuring risk for internal purposes.
internal.
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Profil Kepala Divisi Risk Management/Integrated
Profile of Head of Risk Management/Integrated Division
SAM R. SOELAEMAN
Kepala Divisi Risk Management/Integrated
Head of Risk Management/Integrated Division
Kewarganegaraan / Nationality Tempat Lahir / Place of Birth Usia / Age Domisili / Domicile
Indonesia / Indonesian Cianjur 59 tahun / years old Bogor
Dasar Pengangkatan dan Periode Menjabat Basis of Appointment and Term of Office
Keputusan Direksi No. 001/SK-DIR/HCM/08/23 tanggal 1 Agustus 2023. Board of Directors’ Decision No. 001/SK-DIR/HCM/08/23 dated 1 August 2023.
Riwayat Pendidikan Education
Magister Manajemen dari Universitas Pancasila Jakarta (2003). Master of Management from Universitas Pancasila Jakarta (2003).
Rangkap Jabatan Concurrent Positions
Di dalam Bank Victoria: In Bank Victoria:
Tidak ada. None.
Di luar Bank Victoria: Outside of Bank Victoria:
Tidak ada. None.
Riwayat Jabatan History of Positions
Memiliki pengalaman kerja dalam industri perbankan sejak tahun 1990 dan Has work experience in banking industry since 1990 and has held several
memegang beberapa posisi penting di antaranya: important positions including:
• Forex Trader PT ASEAM Indonesia (1990-1992); • Forex Trader at PT ASEAM Indonesia (1990-1992);
• Treasury PT Bank Rama (1992-2001); • Treasury at PT Bank Rama (1992-2001);
• Pemeriksa Specialist Treasury dan Manajemen Risiko Bank Indonesia • Treasury and Risk Management Specialist Examiner at Bank Indonesia
(2001-2004); dan (2001-2004); and
• Head of Market, Liquidity, & Treasury Credit Risk Management • Head of Market, Liquidity, & Treasury Credit Risk Management at
PT Bank Maybank Indonesia Tbk (2005-2022). PT Bank Maybank Indonesia Tbk (2005-2022).
Sertifikasi Certification
• International Certificate in Banking Risk and Regulation (ICBRR) dari • International Certificate in Banking Risk and Regulation (ICBRR) from
Global Association of Risk Professional - Badan Sertifikasi Manajemen Risiko the Global Association of Risk Professional – Risk Management Certification
(GARP-BSMR) (2009); dan Agency (GARPBSMR) (2009); and
• Sertifikasi Manajemen Risiko Jenjang 6 dari Lembaga Sertifikasi Profesi • Risk Management Certification Level 6 from Banking Professional
Perbankan (2023-2026). Certification Institute (2023-2026).
Hubungan Afiliasi Affiliation Relationship
Tidak memiliki hubungan afiliasi dengan anggota Dewan Komisaris, anggota Does not have any affiliation with members of Board of Commissioners,
Direksi, serta Pemegang Saham Utama dan Pengendali. members of Board of Directors, and Main and Controlling Shareholders.
Laporan Singkat Pelaksanaan Kegiatan Tugas Brief Report on the Implementation of
Risk Management/Integrated Tahun 2024 Risk Management/Integrated Duties in 2024
Sepanjang tahun 2024, Risk Management/Integrated telah Throughout 2024, the Risk Management/Integrated carried out
melaksanakan kegiatan sebagai bentuk pelaksanaan tugas dan activities as the implementation of its duties and responsibilities as
tanggung jawabnya yang diuraikan sebagai berikut: described below:
1. Melakukan evaluasi terhadap parameter profil risiko, 1. Conducting evaluations on risk profile parameters, Risk and
Risk and Control Self-Assessment (RCSA), serta key risk indicator Control Self-Assessment (RCSA), and key risk indicators
bersama dengan risk taking unit; together with the risk taking unit;
2. Memantau eskposur risiko serta kepatuhan terhadap toleransi 2. Monitoring risk exposure and compliance with the established
risiko dan limit yang telah ditetapkan, baik melalui laporan maupun risk tolerances and limits, either through reports and Risk
Komite Manajemen Risiko, serta melakukan stress testing; Management Committee, or conducting stress testing;
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Struktur Permodalan dan Manajemen Risiko
Capital Structure and Risk Management
3. Melakukan kajian terhadap usulan penyelenggaraan produk 3. Reviewing the proposed new products of the Bank;
baru Bank;
4. Membuat beberapa kebijakan baru terkait risiko kredit, risiko 4. Creating several new policies related to credit risk, market risk,
pasar, risiko operasional, dan risiko likuiditas; operational risk, and liquidity risk;
5. Mengembangkan sistem pengelolaan risiko pasar dan risiko 5. Developing market risk and liquidity risk management system to
likuiditas guna meningkatkan efektivitas manajemen risiko; improve the effectiveness of risk management;
6. Menyusun rencana aksi pemulihan (recovery plan) Bank 6. Preparing the Bank’s recovery plan to anticipate potential
untuk mengantisipasi potensi gangguan terhadap stabilitas disruptions to the Bank’s financial stability;
keuangan Bank;
7. Melakukan kajian terhadap kebijakan dan prosedur Bank guna 7. Reviewing the Bank’s policies and procedures to ensure
memastikan efektivitas dan kepatuhan terhadap regulasi yang effectiveness and compliance with the applicable regulations;
berlaku; dan and
8. Menyusun dan menyampaikan laporan terkait manajemen 8. Preparing and submitting reports related to risk management
risiko sesuai dengan ketentuan yang berlaku, baik kepada pihak in accordance with the applicable provisions, both to internal
internal maupun regulator secara berkala. parties and regulators, on a regular basis.
Pelatihan dan/atau Peningkatan Risk Management/Integrated Training
Risk Management/Integrated and/or Development Programs
Sepanjang tahun 2024, Risk Management/Integrated telah mengikuti Throughout 2024, the Risk Management/Integrated attended 34
pelatihan dan/atau program peningkatan kompetensi, baik yang (thirty-four) trainings and/or competency improvement programs,
diselenggarakan secara internal maupun eksternal, sebanyak 34 (tiga both organized internally and externally, with materials covering
puluh empat) kali, dengan materi di antaranya sebagai berikut: including the following matters:
1. Corporate Culture and Service (Bank Victoria); 1. Corporate Culture and Service (Bank Victoria);
2. Anti-Fraud (Bank Victoria); 2. Anti-Fraud (Bank Victoria);
3. Perlindungan Konsumen dan Perlindungan Data Pribadi 3. Consumer Protection and Personal Data Protection
(Bank Victoria); (Bank Victoria);
4. Pembekalan Sertifikasi Manajemen Risiko (Bank Victoria); 4. Briefing of Risk Management Certification (Bank Victoria);
5. Climate Risk Management and Scenario Analysis (Eksternal); dan 5. Climate Risk Management and Scenario Analysis (External); and
6. Pelatihan terkait manajemen risiko seperti risiko likuiditas, risiko 6. Training related to risk management such as liquidity risk,
pasar, risiko operasional, risiko kredit, dan risiko siber. market risk, operational risk, credit risk, and cyber risk.
Sertifikasi Manajemen Risiko Risk Management Certification
Bank Victoria telah melibatkan jajaran manajemen dalam program Bank Victoria involved the management in a risk management
sertifikasi manajemen risiko guna meningkatkan kompetensi certification program to improve their competence in managing the
dalam mengelola risiko perbankan yang semakin kompleks. Selain increasingly complex banking risks. In addition, the Bank regularly
itu, Bank secara rutin menyelenggarakan pelatihan penyegaran holds refreshment training for the management who have passed
bagi manajemen yang telah lulus program sertifikasi, memastikan the certification program, ensuring their updated understanding
pemahaman yang selalu diperbarui terhadap praktik manajemen of risk management practices. The information related to risk
risiko. Informasi terkait sertifikasi manajemen risiko yang dimiliki management certification held by the management in 2024 is as
jajaran manajemen di tahun 2024 sebagai berikut: follows:
Dewan Komisaris Direksi Pejabat Eksekutif Lain-Lain
Level Total
Board of Commissioners Board of Directors Executive Officers Others
IV - - - 145 145
V - - 24 101 125
VI - - 7 4 11
VII 3 5 2 - 10
Total 3 5 33 250 291
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Pengungkapan Eksposur Risiko
Disclosure of Risk Exposure
Pengungkapan eksposur risiko Bank Victoria mencakup informasi The risk exposure disclosure of Bank Victoria includes information
terkait berbagai jenis risiko yang dihadapi dalam kegiatan related to various types of risks faced in operational activities.
operasional. Bank secara transparan melaporkan eksposur ini untuk The Bank transparently reports this exposure to ensure a clear
memastikan pemahaman yang jelas bagi pemangku kepentingan. understanding for stakeholders. This step is taken to mitigate the
Langkah ini dilakukan untuk memitigasi dampak risiko dan menjaga impact of risk and maintain business stability.
stabilitas usaha.
Risiko Kredit Credit Risk
Risiko kredit merupakan risiko kegagalan pihak lain dalam memenuhi Credit risk is the risk of failure of other parties in fulfilling obligations
kewajiban kepada Bank, termasuk risiko kredit akibat kegagalan to the Bank, including credit risk due to debtor failure, credit
debitur, risiko konsentrasi kredit, counterparty credit risk, settlement concentration risk, counterparty credit risk, settlement risk,
risk, dan country risk. and country risk.
Tujuan dari manajemen risiko kredit adalah untuk memastikan The credit risk management is aimed to ensure that the Bank’s fund
aktivitas penyediaan dana Bank tidak terekspos pada risiko kredit provision activities are not exposed to credit risk which could cause
yang dapat menimbulkan kerugian pada Bank. losses to the Bank.
Pengungkapan Eksposur Manajemen Risiko Kredit Disclosure of Credit Risk Management Exposure
1. Risiko Kredit secara Umum (CRA) 1. General Credit Risk (CRA)
a. Model Bisnis Tercermin dalam Komponen Profil Risiko a. Business Model is Reflected in the Bank’s Credit Risk Profile
Kredit Bank Component
Penerapan manajemen risiko Bank untuk risiko kredit secara The Bank’s risk management implementation for credit risk
prinsip mengacu pada peraturan regulator dan ketentuan in principle refers to the applicable regulatory regulations
yang berlaku serta market practices yang disesuaikan and provisions, as well as market practices adapted to
dengan tujuan, kebijakan, ukuran, dan kompleksitas bisnis the objectives, policies, size, and complexity of the Bank’s
Bank untuk mencapai pertumbuhan bisnis yang sehat dan business, in order to achieve healthy and sustainable
berkelanjutan serta menjaga agar dapat menghasilkan business growth and ensure that it can produce optimal
return yang optimal sesuai dengan risk appetite dan risk returns in accordance with the established risk appetite
tolerance yang telah ditetapkan. and risk tolerance.
Dalam menjalankan strategi Bank sejalan dengan visi In carrying out the Bank’s strategy in line with vision and
dan misi sebagai acuan dalam mengambil keputusan mission as a reference in making decisions and carrying
serta menjalankan kegiatan operasional Bank, strategi out the Bank’s operational activities, the credit risk
manajemen risiko kredit yang dilakukan oleh Bank untuk management strategy carried out by the Bank to maintain
menjaga risiko kredit, di antaranya sebagai berikut: credit risk, includes the following:
1) Bank menjaga tingkat risiko kredit dengan mitigasi 1) The Bank maintains credit risk levels with adequate
yang memadai untuk mencapai tujuan strategis; dan mitigation to achieve strategic objectives; and
2) Pertumbuhan/peningkatan portofolio kredit dengan 2) Growth/increase in credit portfolio with due
memperhatikan kecukupan modal dalam kondisi observance of the capital adequacy in normal
normal dan skenario stress. conditions and stress scenarios.
Strategi manajemen risiko disusun untuk memastikan Risk management strategy is prepared to ensure that risk
bahwa eksposur risiko dikelola secara terkendali sesuai exposure is managed in a controlled manner in accordance
dengan kebijakan kredit, prosedur internal, peraturan dan with credit policies, internal procedures, rules and
perundang-undangan, serta ketentuan lain yang berlaku. regulations, and other applicable provisions.
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Struktur Permodalan dan Manajemen Risiko
Capital Structure and Risk Management
b. Kebijakan Manajemen Risiko untuk Risiko Kredit dan b. Risk Management Policy for Credit Risk and Credit Risk
Limit Risiko Kredit Limit
Kebijakan manajemen risiko untuk risiko kredit merupakan Risk management policy for credit risk is written direction
arahan tertulis dalam menerapkan manajemen risiko in implementing risk management for credit risk by
untuk risiko kredit dengan memperhatikan karakteristik considering business activities’ characteristics and
dan kompleksitas kegiatan usaha, tingkat risiko yang akan complexity, level of risk to be taken and risk tolerance,
diambil dan toleransi risiko, profil risiko serta peraturan risk profile and regulations set by authorities and/or
yang ditetapkan otoritas dan/atau praktik perbankan yang sound banking practices, as in including controlling credit
sehat, seperti di antaranya pengendalian risiko konsentrasi concentration risk and/or by diversifying credit portfolio
kredit dan/atau dengan melakukan diversifikasi portofolio and spreading risks arising from various industrial sectors
kredit dan penyebaran risiko yang timbul dari berbagai or economic sector. Regarding this matter, the Bank
sektor industri atau sektor ekonomi. Terkait hal ini, Bank di conducts:
antaranya melakukan:
1) Penetapan limit berdasarkan sektor ekonomi atas 1) Establishment of limit based on the economic sector
analisa makro ekonomi dan karakteristik Bank; of the macroeconomic analysis and the Bank’s
characteristics;
2) Analisa risiko konsentrasi kredit dilakukan 2) Credit concentration risk analysis is conducted
sesuai portofolio yang dikelola Bank dengan according to the portfolio managed by the Bank by
mempertimbangkan berbagai dampak perubahan considering various impacts of changes in economic
dari indikator ekonomi yang dapat memengaruhi indicators that can affect lending on certain economic
pemberian kredit pada sektor ekonomi tertentu; dan sector; and
3) Analisa pergerakan kualitas kredit seperti 3) Analysis of credit quality movements, such as non-
non-performing loan. performing loans.
Penetapan limit dilakukan secara komprehensif atas seluruh Limit is established comprehensively for all aspects
aspek yang terkait dengan risiko, yang mencakup limit per related to risk, which includes limits per Bank business
aktivitas bisnis Bank. Limit digunakan sebagai ambang activity. Limits are used as thresholds to determine the
batas untuk menentukan tingkat intensitas mitigasi risiko level of risk mitigation intensity to be implemented by the
yang akan dilaksanakan manajemen. management.
c. Struktur Organisasi Manajemen Risiko Kredit c. Organizational Structure of Credit Risk Management
Penerapan manajemen risiko kredit di Bank Victoria The implementation of credit risk management at
dilakukan melalui desain struktur organisasi yang Bank Victoria is carried out through the design of an
menggambarkan keterlibatan seluruh pihak yang terkait organizational structure that describes the involvement of
manajemen risiko kredit sebagai berikut: all parties related to credit risk management as follows:
1) Dewan Komisaris berperan dalam menyetujui rencana 1) The Board of Commissioners plays a role in approving
kredit tahunan Bank dan mengawasi pelaksanaannya, the Bank’s annual credit plan and supervising its
menyetujui kebijakan perkreditan Bank, meminta implementation, approving the Bank’s credit policy,
penjelasan dan tanggung jawab kepada Direksi asking for explanation and accountability from the
jika dalam pelaksanaan pemberian kredit terdapat Board of Directors if there is a deviation from the
penyimpangan dari kebijakan yang telah ditetapkan; stipulated policy in the provision of credit;
2) Direksi berperan dalam menyusun rencana dan 2) The Board of Directors plays a role in preparing credit
kebijakan perkreditan, memastikan kepatuhan Bank plans and policies, ensuring the Bank’s compliance
terhadap ketentuan perundang-undangan dan with the laws and regulations applicable in credit
peraturan yang berlaku di bidang perkreditan dan sector and credit policies, and reporting to the Board
kebijakan perkreditan, serta melaporkan kepada Dewan of Commissioners on credit plan implementation,
Komisaris mengenai pelaksanaan rencana perkreditan, irregularities in the implementation of credit extension,
penyimpangan dalam pelaksanaan pemberian kredit, development of credit and credit portfolio quality
perkembangan kualitas portofolio kredit dan kredit under special mention or non-performing;
dalam pengawasan khusus atau bermasalah;
3) Lini Pertahanan Pertama, terdiri dari Divisi Bisnis, Divisi 3) The First Line of Defense, consists of the Business
Credit Risk Review, Divisi Loan & Trade Operations, Division, Credit Risk Review Division, Loan & Trade
dan Divisi Special Asset Management. Lini Pertahanan Operations Division, and Special Asset Management
Kedua terdiri dari Credit Monitoring dan Collection Division. The Second Line of Defense consists of the
dan Divisi Corporate Legal; Credit Monitoring and Collection and Corporate Legal
Division;
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4) Lini Pertahanan Kedua, terdiri dari Credit Legal Unit; 4) The Second Line of Defense, consisting of Credit Legal
Divisi Compliance, System Procedure & Customer Unit; Compliance, System Procedure & Customer
Protection; dan Divisi Risk Management/Integrated; Protection Division; and Risk Management/Integrated
dan Division; and
5) Lini Pertahanan Ketiga adalah Divisi SKAI. 5) The Third Line of Defense is the SKAI Division.
Selain itu, Bank juga dibantu oleh komite-komite eksekutif Furthermore, the Bank is also assisted by executive
seperti: committees such as:
1) Komite Kredit; 1) Credit Committee;
2) Komite Kebijakan Perkreditan; dan 2) Credit Policy Committee; and
3) Komite Manajemen Risiko. 3) Risk Management Committee.
d. Hubungan antara Fungsi Manajemen Risiko untuk Risiko d. Relationship between Risk Management Function for
Kredit, Pengendalian Risiko, Kepatuhan, dan Audit Internal Credit Risk, Risk Control, Compliance, and Internal Audit
Penerapan manajemen risiko bermanfaat untuk melakukan Risk management is useful to analyze the possible risks
analisis kemungkinan adanya risiko yang akan dihadapi that may be faced in the present or future, with the aim of
saat ini maupun yang akan datang dengan tujuan agar enabling the Bank to identify any potential risks that may
Bank mampu mengidentifikasi setiap risiko yang berpotensi arise and have a significant impact.
muncul dan berdampak signifikan.
Secara internal, efektivitas penerapan manajemen risiko Internally, the effectiveness of credit risk management
kredit juga didukung oleh unit independen lainnya seperti implementation is also supported by other independent
Compliance dan SKAI. Dalam hal ini, Compliance melakukan units, such as the Compliance and SKAI. In this matter,
fungsinya untuk memastikan kebijakan dan penerapan the Compliance performs its function to ensure that risk
manajemen risiko telah sesuai ketentuan yang berlaku. management policies and implementation are in accordance
Sementara itu, SKAI secara rutin melakukan peninjauan with the applicable regulations. Whereas, the SKAI
ulang dan audit terhadap penerapan manajemen risiko regularly reviews and audits the Bank’s risk management
Bank berdasarkan risk-based audit dengan tujuan implementation on a risk-based audit principle with the
sebagai pengendalian internal serta perbaikan penerapan objective as internal control and continuous improvement
manajemen risiko secara terus menerus. Adapun evaluasi of risk management implementation. The risk management
efektivitas sistem manajemen risiko secara eksternal system effectiveness is externally evaluated by external
dilakukan oleh auditor eksternal maupun regulator. Evaluasi auditors and regulators. Evaluation of risk management
penerapan manajemen risiko ditinjau dan dikomunikasikan implementation is reviewed and communicated through
melalui rapat-rapat secara berkala, seperti melalui rapat regular meetings, such as through the Risk Management
Komite Manajemen Risiko. Committee’s meetings.
e. Cakupan dan Informasi Utama dari Pelaporan Eksposur e. Scope and Key Information from the Reporting of Credit
Risiko Kredit dan Fungsi Manajemen Risiko untuk Risiko Risk Exposure and Risk Management Function for Credit
Kredit kepada Direksi dan Dewan Komisaris Pengungkapan Risk to the Board of Directors and Board of Commissioners
eksposur risiko kredit dengan pendekatan standar risiko Disclosure of credit risk exposure with a standardized
kredit berpedoman pada Peraturan Otoritas Jasa Keuangan approach of credit risk refers to the Financial Services
No. 27 Tahun 2022 tentang Perubahan Kedua atas Authority Regulation No. 27 of 2022 on Second
Peraturan Otoritas Jasa Keuangan No. 11/POJK.03/2016 Amendment to Financial Services Authority Regulation
tentang Kewajiban Penyediaan Modal Minimum bagi No. 11/POJK.03/2016 on Capital Adequacy Ratio for
Bank Umum dan Surat Edaran Otoritas Jasa Keuangan Commercial Banks and Financial Services Authority Circular
No. 48/SEOJK.03/2017 tentang Pedoman Perhitungan No. 48/SEOJK.03/2017 on Guidelines for Calculating Net
Tagihan Bersih Transaksi Derivatif dalam Perhitungan Aset Receivables for Derivative Transactions in Calculating
Tertimbang Menurut Risiko untuk Risiko Kredit dengan Risk-Weighted Assets for Credit Risk by Using a
Menggunakan Pendekatan Standar, dan Surat Edaran Standardized Approach, and Financial Services Authority
Otoritas Jasa Keuangan No. 24/SEOJK.03/2021 Pedoman Circular No. 24/SEOJK.03/2021 on Guidelines for
Perhitungan Aset Tertimbang Menurut Risiko untuk Risiko Calculating Risk-Weighted Assets for Credit Risk by Using
Kredit dengan Menggunakan Pendekatan Standar bagi Standardized Approach for Commercial Banks.
Bank Umum.
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Struktur Permodalan dan Manajemen Risiko
Capital Structure and Risk Management
Terkait pengungkapan, Bank senantiasa menerapkan Regarding disclosure, the Bank always implements policies
kebijakan dan mengedepankan prinsip kehati-hatian and prioritizes the prudential principles in mitigating
dalam mitigasi risiko kredit. Dalam hal ini, Bank telah credit risk. Regarding this matter, the Bank has included
memuat informasi berikut dalam Lampiran Pengungkapan the following information in the Appendix on Quantitative
Kuantitatif Eksposur Risiko untuk CRA: Disclosure of Risk Exposure for CRA:
1) Tabel Pengungkapan Kualitas Kredit Atas Aset (CR1); 1) Table of Disclosure of Credit Quality over Asset (CR1);
2) Tabel Pengungkapan Mutasi Kredit dan Surat Berharga 2) Table of Disclosure of Changes in Matured Loans and
yang telah Jatuh Tempo (CR2); Securities (CR2);
3) Tabel Pengungkapan Kuantitatif Terkait Teknik MRK 3) Table of Disclosure of Quantitative Related to MRK
(CR3); Techniques (CR3);
4) Tabel Pengungkapan Eksposur Risiko Kredit dan 4) Table of Disclosure of Credit Risk Exposure and Impact
Dampak Teknik MRK (CR4); dan of MRK Techniques (CR4); and
5) Tabel Pengungkapan Eksposur Berdasarkan Kelas Aset 5) Table of Disclosure of Exposure by Asset Class and Risk
dan Bobot Risiko (CR5). Weight (CR5).
2. Pengungkapan Tambahan Terkait Kualitas Kredit atas Aset 2. Additional Disclosures Regarding Credit Quality Over
(CRB) Asset (CRB)
a. Tagihan yang Jatuh Tempo dan Tagihan yang Mengalami a. Matured Receivables and Impaired Receivables
Penurunan Nilai/Impairment
Bank menerapkan kebijakan tentang tagihan yang jatuh The Bank implements policies regarding due receivables
tempo dan tagihan yang mengalami penurunan nilai atau and impaired receivables, which include:
impairment, yang meliputi:
1) Tagihan yang telah jatuh tempo, merupakan tagihan 1) Matured receivable is a bill that has been overdue
yang telah jatuh tempo lebih dari 90 hari, baik atas more than 90 days, either on the payments of principal
pembayaran pokok dan/atau pembayaran bunga; dan and/or interest; and
2) Tagihan yang mengalami penurunan nilai, yaitu suatu 2) Impaired receivable is a condition in which there is
kondisi, di mana terdapat bukti objektif terjadinya objective evidence of an adverse event occurring as a
peristiwa yang merugikan sebagai akibat dari satu atau result of one or more events occurring after the initial
lebih peristiwa yang terjadi setelah pengakuan awal recognition of such credit, and such adverse event
kredit tersebut, dan peristiwa yang merugikan tersebut has an impact on the estimated future cash flow of a
berdampak pada estimasi arus kas masa datang atas financial asset or group of financial assets that can be
aset keuangan atau kelompok aset keuangan yang estimated reliably.
dapat diestimasi secara andal.
b. Pendekatan yang Digunakan dalam Pembentukan b. Approach Used in the Formation of Allowance for
Cadangan Kerugian Penurunan Nilai Impairment Losses
Dalam mengestimasi Cadangan Kerugian Penurunan In estimating Allowance for Impairment Losses (CPKN)
Nilai (CKPN) atas aset keuangan, Bank telah menerapkan on financial assets, the Bank has implemented Statement
Pernyataan Standar Akuntansi Keuangan (PSAK) 71 tentang of Financial Accounting Standard (PSAK) 71 on “Financial
“Instrumen Keuangan” sejak tanggal 1 Januari 2020. Instrument” since 1 January 2020. PSAK 71 introduces
Dalam PSAK 71 ini memperkenalkan metode kerugian a method for the expected credit losses in measuring
kredit ekspektasian dalam mengukur kerugian instrumen financial instrument losses due to impairment of financial
keuangan akibat penurunan nilai instrumen keuangan yang instruments, which is the convergence of International
merupakan konvergensi International Financial Accounting Financial Accounting Standard 9 – Financial Instruments in
Standard 9 – Financial Instrument di Indonesia, di mana Indonesia, and in PSAK 71, the principle of Forward-Looking
dalam PSAK 71 menggunakan prinsip Forward-Looking Expected Credit Loss (ECL) is used.
Expected Credit Loss (ECL).
Permodelan parameter yang digunakan Bank seperti The modeling parameters used by the Bank, such as
probability of default, loss given default, dan exposure at probability of default, loss given default, and exposure
default komponen perhitungan kerugian kredit ekspektasian. at default, are components for calculating expected
credit losses.
Dalam menghitung kerugian kredit ekspektasian, Bank In calculating the expected credit losses, the Bank
memperhitungkan pengaruh dari beberapa macroeconomic calculates the effects of several macroeconomic
forecast dalam permodelan impairment di PSAK 71. forecasts in the impairment modeling in PSAK 71.
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CKPN dalam PSAK 71 memiliki 3 (tiga) stages berdasarkan CKPN in PSAK 71 has 3 (three) stages based on level of risk
tingkat risiko dari rendah hingga tinggi yang diklasifikasi from low to high which are classified as follows:
sebagai berikut:
1) Stage 1 (Performing) 1) Stage 1 (Performing)
Tidak ada peningkatan risiko kredit dan aset keuangan. There is no increase in credit risk and financial assets.
Contohnya, pinjaman yang tidak pernah terlambat For example, a loan that is never late in payment.
dalam pembayaran. Expected Credit Loss (ECL) Expected Credit Loss (ECL) is estimated within 12
diperkirakan dalam waktu 12 (dua belas) bulan. (twelve) months.
2) Stage 2 (Under-Performing) 2) Stage 2 (Under-Performing)
Risiko kredit dan aset keuangan meningkat signifikan. Credit risk and financial assets have increased
Contohnya, pinjaman yang telah terlambat dalam significantly. For example, a loan that is overdue by
pembayaran lebih dari 30 (tiga puluh) hari, tapi belum more than 30 (thirty) days, but has not met the Stage 3
masuk dalam kriteria Stage 3. Expected Credit Loss criteria. Expected Credit Loss (ECL) is estimated up to
(ECL) diperkirakan hingga waktu jatuh tempo akhir the final maturity time (lifetime).
(lifetime).
3) Stage 3 (Non-Performing) 3) Stage 3 (Non-Performing)
Kredit dan aset keuangan yang mengalami penurunan Loans and financial assets that have experienced a
nilai dengan tajam disertai riwayat keterlambatan sharp impairment accompanied by a history of late
pembayaran. Expected Credit Loss (ECL) diakui hingga payments. Expected Credit Loss (ECL) is recognized
waktu jatuh tempo akhir (lifetime). up to the final maturity time (lifetime).
Dalam hal ini, Bank telah memuat informasi berikut dalam Regarding this matter, the Bank has included the following
Lampiran Pengungkapan Kuantitatif Eksposur Risiko untuk information in the Appendix on Quantitative Disclosure of
CRB: Risk Exposure for CRB:
1) Tabel Pengungkapan Tagihan Bersih Berdasarkan 1) Table of Disclosure of Net Receivables by Area of the
Wilayah Bank secara Individual; Bank, Individually;
2) Tabel Pengungkapan Tagihan Bersih Berdasarkan 2) Table of Disclosure of Net Receivables by Economic
Sektor Ekonomi Bank secara Individual; Sector of the Bank, Individually;
3) Tabel Pengungkapan Tagihan Bersih Berdasarkan Sisa 3) Table of Disclosure of Net Receivables by Remaining
Jangka Waktu Kontrak secara Individual; Contract Period of the Bank, Individually;
4) Tabel Pengungkapan Tagihan dan Pencadangan 4) Table of Disclosure of Receivables and Allowances by
Berdasarkan Wilayah Bank secara Individual; Area of the Bank, Individually;
5) Tabel Pengungkapan Tagihan dan Pencadangan 5) Table of Disclosure of Receivables and Allowances by
Berdasarkan Sektor Ekonomi Bank secara Individual; dan Economic Sector of the Bank, Individually; and
6) Tabel Pengungkapan Tagihan Berdasarkan Hari 6) Table of Disclosure of Receivables by Days Past Due.
Tunggakan.
3. Pengungkapan Tambahan Terkait Perlakuan Terhadap Aset 3. Additional Disclosures Regarding Treatment of
Bermasalah (CRB-A) Non-Performing Assets (CRB-A)
a. Aset Non-Performing a. Non-Performing Assets
Aset non-performing merupakan aset dengan kualitas Non-performing assets are assets of substandard, doubtful,
kurang lancar, diragukan, dan macet yang umumnya terjadi and loss, which generally occur in credit activities.
pada kegiatan perkreditan. Penyelesaian aset bermasalah Settlement of non-performing assets for debtors is carried
bagi debitur dilakukan sesuai dengan pola pengelolaan out in accordance with management and settlement
dan penyelesaian sesuai ketentuan yang berlaku. Aset patterns with due observance of the applicable regulations.
yang telah dikategorikan bermasalah ditangani melalui Assets categorized as non-performing are handled through
pembinaan, penyelamatan, serta penyelesaian secara couching, rescue, and voluntary settlement. Reporting of
sukarela. Pelaporan aset bermasalah dilakukan oleh divisi non-performing assets is carried out by the Special Asset
Special Asset Management. Management division.
Dalam usahanya, Bank melakukan penanganan aset In its business, the Bank handles non-performing assets
bermasalah secara persuasif serta menghindari risiko persuasively and avoids risks to the Bank’s reputation,
reputasi Bank, maka sebelum melakukan tindakan-tindakan thus, the debtor is first summoned by using a maximum of
lebih lanjut dilakukan pemanggilan atas debitur terlebih 3 (three) warning letters prior to taking further actions.
dahulu dengan menggunakan surat peringatan maksimal
3 (tiga) kali.
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Struktur Permodalan dan Manajemen Risiko
Capital Structure and Risk Management
Kategori kredit korporasi pada Bank terbagi atas beberapa The corporate credit category at the Bank is divided into
segmen, di antaranya sebagai berikut: several segments, including the following:
1) Large commercial, kredit dengan tujuan usaha 1) Large commercial, credit for business (productive)
(produktif) dengan total plafon di atas Rp150.000 juta; purposes with a total credit above Rp150,000 million;
2) Commercial, kredit dengan tujuan usaha (produktif) 2) Commercial, credit for business (productive) purposes
dengan total plafon di atas Rp50.000 juta-Rp150.000 with a total credit above Rp50,000-Rp150,000 million;
juta;
3) Small, Medium, Enterprise (SME), kredit dengan tujuan 3) Small, Medium, Enterprise (SME), credit for business
usaha (produktif) dengan total plafon sampai dengan purposes (productive) with a total credit of up to
Rp50.000 juta; Rp50,000 million;
4) Business Linkage, kredit yang ditujukan pada 4) Business Linkage, credit aimed at automotive multifinance
perusahaan multifinance otomotif, baik executing, companies, including executing, channeling, and joint
channeling, dan joint financing, serta perusahaan financing, as well as non-automotive multi-finance
multifinance non-otomotif, seperti BPR dan koperasi. companies, such as BPRs and cooperatives.
Kategori kredit ritel pada Bank, di antaranya adalah segmen Retail credit categories at the Bank include consumer
consumer yang diberikan kepada perorangan dan diajukan segment given to individuals and submitted as a group.
secara kelompok.
b. Aset yang Direstrukturisasi b. Restructured Assets
Aset yang direstrukturisasi umumnya dilakukan pada Restructuring assets are generally carried out in credit
kegiatan perkreditan merupakan upaya yang dilakukan activities, which is the Bank’s effort in credit activities for
Bank dalam kegiatan perkreditan terhadap debitur yang debtors with difficulty on fulfilling their obligations. The
mengalami kesulitan untuk memenuhi kewajibannya. Bank can carry out credit restructuring for debtors with
Restrukturisasi kredit dapat dilakukan Bank terhadap good business prospects but are experiencing difficulties
debitur yang masih mempunyai prospek usaha yang baik in paying principal and/or interest. Restructuring activities
tetapi mengalami kesulitan pembayaran pokok dan/atau can be in the form of:
bunga. Kegiatan restrukturisasi dapat berupa:
1) Penjadwalan kembali (rescheduling), terkait perubahan 1) Rescheduling, related to changes in payment schedule
jadwal pembayaran dan/atau jangka waktu; and/or time period;
2) Persyaratan kembali (reconditioning), terkait 2) Reconditioning, related to changes in part or all of the
perubahan sebagian atau seluruh syarat kredit yang credit terms not limited to payment schedules, time
tidak terbatas pada jadwal pembayaran, jangka periods, and/or other terms as long as they do not
waktu, dan/atau persyaratan lainnya sepanjang tidak involve changes to the maximum credit balance; and
menyangkut perubahan maksimum saldo kredit; dan
3) Penataan kembali (restructuring), terkait perubahan 3) Restructuring, related to changes in credit terms
syarat kredit yang menyangkut penambahan dana, involving additional funds, conversion of interest
konversi tunggak bunga menjadi pokok kredit baru, dan arrears into new credit principal, and conversion
konversi kredit menjadi penyertaan dalam perusahaan of credit into investment in the Company in form
dengan bentuk reorganisasi, venture capital, management of reorganization, venture capital, management
participation, dan management consultation. participation, and management consultation.
Dalam hal ini, Bank telah memuat informasi berikut dalam Regarding this matter, the Bank has included the following
Lampiran Pengungkapan Kuantitatif Eksposur Risiko untuk information in the Appendix on Quantitative Disclosure of
CRB-A: Risk Exposure for CRB-A:
Tabel Pengungkapan Tambahan Terkait Perlakuan Table of Additional Disclosures Regarding Treatment of
Terhadap Aset Bermasalah (CRB-A). Non-Performing Assets (CRB-A).
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4. Pengungkapan Terkait Teknik MRK (CRC) 4. Disclosures Related to MRK Techniques (CRC)
a. Kebijakan dan Proses Terkait Evaluasi dan Manajemen a. Policies and Processes Related to Collateral Evaluation and
Agunan Management
Bank didukung oleh analisa kelayakan debitur dalam The Bank is supported by debtor feasibility analysis in
pemberian fasilitas kredit. Hal tersebut bertujuan untuk granting credit facilities. This matter is aimed at assessing
menilai kemampuan debitur dalam mengembalikan seluruh the debtor’s ability in returning all of its obligations.
kewajibannya. Sebagai jaminan kredit, Bank menerima As credit collateral, the Bank accepts collateral that meets
agunan yang memenuhi kriteria, seperti mempunyai nilai the criteria, such as having economic value, marketable,
ekonomis, marketable, transferable, serta mempunyai transferable, and having juridical value. In practice,
nilai yuridis. Dalam praktiknya, diperlukan agunan collateral is needed as a second way out, in the event that
sebagai second way out, dalam hal debitur tidak mampu the debtor is unable to repay his obligations.
mengembalikan kewajibannya.
Pengelolaan agunan merupakan perangkat pengendalian Collateral management is a risk control tool implemented
risiko yang diterapkan oleh Bank guna melakukan mitigasi by the Bank to mitigate credit risk in order to minimize the
risiko kredit untuk meminimalisir dampak dari risiko yang impact of the arising risks.
terjadi.
b. Konsentrasi Risiko Kredit atas Instrumen yang digunakan b. Concentration of Credit Risk on Instruments used as MRK
sebagai Teknik MRK Techniques
Pihak-pihak utama pemberi jaminan/garansi dan kelayakan The main parties are the provider of collateral/guarantee
kredit (credit worthiness) merupakan kemampuan and credit worthiness, which is the ability of the Company
perusahaan untuk memenuhi kewajibannya terhadap to fulfill its credit obligations to the Bank. The main focus
Bank. Fokus utamanya terletak pada risiko, meliputi analisis lies in risk, including liquidity and solvency analysis. The
likuiditas maupun solvabilitas. Alat analisis kredit dan credit analysis tool and its criteria for assessment of among
kriterianya untuk penilaian seperti di antaranya jenis kredit others type and purpose of the debt contract.
dan tujuan kontrak utangnya.
Tingkat konsentrasi yang ditimbulkan dari penggunaan The concentration level arising from the use of credit risk
teknik mitigasi risiko kredit konsentrasi pada sektor atau mitigation techniques concentration on sector or loan
portofolio kredit Bank dilakukan dengan pengelolaan risiko portfolio of the Bank is carried out by managing credit
konsentrasi kredit melalui penentuan limit untuk sektor concentration risk through setting limit for industrial sector
industri atau portofolio kredit pada suatu tingkat risiko/risk or loan portfolio of an acceptable level of risk/risk appetite
appetite dan risk tolerance yang dapat diterima. Hal tersebut and risk tolerance. This matter aims to support sound credit
bertujuan untuk mendukung pertumbuhan kredit yang sehat growth by prioritizing prudential principles.
dengan mengedepankan pada prinsip-prinsip kehati-hatian.
5. Pengungkapan Penggunaan Peringkat Kredit Eksternal (CRD) 5. Disclosure of Use of External Credit Ratings (CRD)
a. Lembaga Pemeringkat yang Digunakan Bank a. Rating Agency used by the Bank
Bank menggunakan peringkat yang diterbitkan oleh The Bank uses ratings issued by rating agencies that
lembaga pemeringkat yang diakui sesuai dengan Peraturan are recognized in accordance with Financial Services
Otoritas Jasa Keuangan seperti diatur dalam Surat Edaran Authority Regulations as stipulated in the Financial
Otoritas Jasa Keuangan No. 37/SEOJK.03/2016 tentang Services Authority Circular No. 37/SEOJK.03/2016 on
Lembaga Pemeringkat dan Peringkat yang diakui Otoritas Rating Agencies and Ratings recognized by the Financial
Jasa Keuangan, antara lain Moody’s, Standard & Poor’s, Services Authority, including Moody’s, Standard & Poor’s,
Fitch, Pefindo, Moody’s Indonesia, dan Fitch Indonesia. Fitch, Pefindo, Moody’s Indonesia, and Fitch Indonesia.
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Struktur Permodalan dan Manajemen Risiko
Capital Structure and Risk Management
b. Kategori Portofolio yang Menggunakan Peringkat b. Portfolio Categories by Using Ratings
Bank mengklasifikasikan tagihan berdasarkan kategori The Bank classifies receivables by portfolio categories such
portofolio seperti tagihan kepada entitas sektor publik, as receivables from public sector entities, receivables from
tagihan kepada Bank, tagihan pada perusahaan efek dan Banks, receivables from securities companies and other
lembaga jasa keuangan lainnya, serta tagihan kepada financial services institutions, as well as receivables from
korporasi. Tagihan pada masing-masing portofolio corporations. Receivables in each portfolio are grouped by
dikelompokkan berdasarkan peringkat dari lembaga ratings from rating agencies recognized by the regulator.
pemeringkat yang diakui regulator. Kelompok peringkat Rating groups have different levels of risk.
memiliki tingkat risiko yang berbeda.
Pengungkapan Counterparty Credit Risk Disclosure of Counterparty Credit Risk
Bank menerapkan risiko kredit pihak lawan (Counterparty Credit The Bank implements Counterparty Credit Risk. Counterparty
Risk). Counterparty Credit Risk dapat ditimbulkan dari jenis transaksi Credit Risk is a risk arising from over the counter (OTC) derivative
derivatif over the counter (OTC) dan repo/reverse repo, baik pada transaction and repo/reverse repo transactions, both in the banking
posisi banking book maupun trading book. Dalam hal memitigasi book and trading book positions. In terms of repo/reverse repo
repo/reverse repo dilakukan dengan penetapan limit counterparty, mitigation with limit establishment for counterparty, approval from
apabila terdapat pelampauan limit, maka perlu mendapatkan the Board of Directors through International Banking Division is
persetujuan Direksi melalui Divisi International Banking. required in the event that there is limit exceedance.
Pada posisi 31 Desember 2024, Bank tidak memiliki eksposur At 31 December 2024 position, the Bank has no exposure to
transaksi derivatif Counterparty Credit Risk (CCR1) dan tagihan Counterparty Credit Risk (CCR1) and net receivables of credit
bersih derivatif kredit (CCR6). Namun terkait pengungkapan, derivative (CCR6). However, regarding disclosure, Bank Victoria has
Bank Victoria memiliki eksposur risiko transaksi reverse repo yang a reverse repo transaction risk exposure which is disclosed in the
diungkapkan pada tabel pengungkapan eksposur CCR berdasarkan CCR exposure disclosure table based on Portfolio Category and
Kategori Portofolio dan Bobot Risiko (CCR3). Risk Weight (CCR3).
Pengungkapan Eksposur Sekuritisasi (SECA) Disclosure of Securitization Exposure (SECA)
Sebagai upaya diversifikasi risiko dan memaksimalkan hasil, Bank In an effort to diversify risks and maximize returns, Bank Victoria
Victoria menempatkan sejumlah portofolio dalam bentuk sekuritisasi places a number of portfolios in the form of securitization or
atau Kontrak Investasi Kolektif Efek Beragun Aset (KIKEBA). Bank Collective Investment Contract of Asset-Backed Securities
Victoria bertindak sebagai investor dan melakukan investasi pada (KIK EBA). Bank Victoria acts as an investor and invests in EBA due
EBA karena sekuritisasi ini mempunyai likuiditas baik. its good liquidity.
Terkait pengungkapan, Bank Victoria memuat informasi Eksposur Regarding disclosure, Bank Victoria contains information on
Sekuritisasi (SECA) pada Banking Book (SEC1) dan terkait Securitization Exposure (SECA) in the Banking Book (SEC1) and
Persyaratan Modalnya – Bank yang Bertindak sebagai Investor related to its Capital Requirements – Bank Acting as Investor
(SEC4), dan tidak memiliki eksposur pada Trading Book (SEC2), (SEC4), and has no exposure in the Trading Book (SEC2), and related
dan terkait Persyaratan Modalnya – Bank yang Bertindak sebagai to its Capital Requirements – Bank Acting as Originator or Sponsor
Originator atau Sponsor (SEC3). (SEC3).
Risiko Pasar Market Risk
Kebijakan Manajemen Risiko untuk Risiko Pasar Risk Management Policy for Market Risk
1. Strategi dan Proses Manajemen Risiko Pasar 1. Market Risk Management Strategy and Process
Risiko pasar adalah risiko pada posisi neraca dan rekening Market risk is a risk in balance sheet and administrative account
administratif, termasuk transaksi derivatif, akibat perubahan positions including derivative transactions, due to overall
secara keseluruhan dari kondisi pasar, termasuk risiko changes in market conditions, including the risk of changes in
perubahan harga option. option prices.
Proses manajemen risiko pasar mencakup semua risiko yang The management process of market risk covers all risks faced
dihadapi Bank akibat pergerakan faktor pasar seperti suku by the Bank as a result of movements in market factors such as
bunga dan nilai tukar, baik dari banking book maupun trading interest rates and exchange rates, both from the banking book
book. Tujuan utama dari penerapan manajemen risiko pasar and trading book. The main objective of implementing market
adalah meminimalkan dampak negatif akibat perubahan risk management is to minimize the negative impacts due to
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kondisi pasar terhadap aset dan permodalan Bank. Bank changes in market conditions on the Bank’s assets and capital.
menjaga eksposur risiko pasar dalam batas limit internal dan The Bank maintains market risk exposure within internal and
regulasi, dengan tetap memperhatikan kecukupan modal dan regulatory limits, with due observance of capital adequacy and
pendapatan. income.
Penerapan manajemen risiko pasar bertujuan untuk meminimalkan The implementation of market risk management aims to
dampak negatif dari perubahan kondisi pasar terhadap aset minimize the negative impact of changes in market conditions
dan permodalan. Ruang lingkup penerapan ini meliputi: on assets and capital. The scope of this application includes:
a. Pengawasan aktif oleh Dewan Komisaris dan Direksi; a. Active supervision by the Board of Commissioners and
Board of Directors;
b. Kecukupan kebijakan, prosedur, dan penetepan limit risiko b. Adequacy of policies, procedures, and determination of
pasar; market risk limits;
c. Proses identifikasi, pengukuran, pemantauan, dan c. The process of risk identification, measurement, monitoring,
pengendalian Risiko, serta penerapan sistem informasi and control, as well as implementation of market risk
manajemen risiko pasar; dan management information system; and
d. Sistem pengendalian internal yang memadai untuk d. Adequate internal control system to manage market risk
mengelola risiko pasar secara efektif. effectively.
Adapun proses manajemen risiko untuk risiko pasar, sebagai The risk management process for market risk is as follows:
berikut:
a. Identifikasi a. Identification
Bank melakukan identifikasi risiko pasar secara berkala, The Bank periodically identifies market risks, including
termasuk risiko suku bunga dan nilai tukar. interest rate and exchange rate risks.
b. Pengukuran b. Measurement
Bank menggunakan sistem atau model pengukuran risiko The Bank uses market risk measurement system or model
pasar untuk mengukur posisi dan sensitivitas risiko pasar, to measure the position and sensitivity of market risk, both
baik dalam kondisi normal maupun stress testing. under normal conditions and stress testing.
c. Pemantauan c. Monitoring
Bank melakukan pemantauan kepatuhan limit risiko secara The Bank monitors risk limit compliance on a daily basis
harian dan mengambil tindak lanjut jika terjadi pelampauan and takes follow-up action if the limit is exceeded.
limit. Untuk pemantauan risiko suku bunga pada banking To monitor interest rate risk in the banking book, the reports
book, laporan yang digunakan mencakup perilaku used include non-maturity deposit behavior, prepayment
non-maturity deposit, informasi prepayment serta data information, and current economic data.
ekonomi terkini.
d. Pengendalian d. Control
Manajemen mengambil langkah-langkah pengendalian The Management takes risk control measures, including
risiko, termasuk tindakan pencegahan terhadap potensi preventive measures against potential greater losses.
kerugian yang lebih besar.
Dalam manajemen risiko pasar, Bank mempertimbangkan In market risk management, the Bank considers the Bank’s
strategi trading Bank, posisi pasar, komposisi instrumen/ trading strategy, market position, instrument/product
produk, dan kategori nasabah Bank. Trading book mencakup composition, and customer categories. The trading book
seluruh posisi instrumen keuangan dalam neraca dan rekening includes all positions of financial instruments in the balance
administratif, termasuk transaksi derivatif yang dimiliki Bank sheet and administrative accounts, including derivative
dengan tujuan untuk diperdagangkan dan dilindungi nilai transactions owned by the Bank for the purpose of trade and
secara keseluruhan dan untuk transaksi kepentingan sendiri hedged as a whole and for proprietary positions, at the request
(proprietary positions), atas permintaan nasabah, atau untuk of customer, or for brokering activities, and to conduct market
kepentingan perantaraan (brokering) dan pembentukan pasar making and hedging of other positions in the trading book.
(market making) dan lindung nilai (hedging) atas posisi lainnya
dalam trading book.
a. Pengelolaan Risiko Trading Book a. Trading Book Risk Management
1) Pemisahan trading book dan banking book, setiap 1) Separation of trading book and banking book, every
transaksi harus diakui secara jelas sebagai bagian transaction must be clearly recognized as part of
dari trading book atau banking book sejak transaksi trading book or banking book since the transaction
tersebut dibukukan. was recorded.
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2) Kontrol risiko, semua produk baru dan variasi produk 2) Risk control, all new products and variations of
yang telah disetujui harus dikaji dan disetujui sesuai approved product must be reviewed and approved
dengan kebijakan dan prosedur peluncuran produk in accordance with policies and procedures of new
baru. product launch.
3) Tata kelola surat berharga, di mana transaksi surat 3) Governance for securities, in which securities
berharga harus sesuai dengan limit trading book transaction must be in accordance with the current
terkini, serta memperhatikan kontrol risiko kredit terkait trading book limits, and pay attention to credit risk
kepemilikan surat berharga. controls related to securities ownership.
4) Transaksi ke pasar (market facing) dan aktivitas internal 4) Market facing transactions and internal activities of a
suatu desk tertentu bertindak sebagai titik kontak particular desk act as a point of contact with external
dengan pasar keuangan eksternal, guna melakukan financial markets, in order to make transaction in the
transaksi instrumen yang sama antara 2 (dua) buku same instrument between 2 (two) books to avoid losses
untuk menghindari kerugian bid-offer spread terhadap in bid offer spread to external parties.
pihak eksternal.
b. Pengelolaan Risiko Banking Book b. Banking Book Risk Management
1) Klasifikasi banking book yaitu semua posisi yang bukan 1) Banking book classification, namely all positions that are
untuk tujuan trading dikategorikan sebagai banking book. not for trading purposes are categorized as banking book.
2) Tata kelola banking book yaitu ALCO, Komite Kredit, 2) Banking book governance, namely ALCO, Credit
dan tim pengelolaan portofolio bertanggung jawab Committee, and portfolio management team are
atas aktivitas banking book, termasuk pengelolaan responsible for banking book activities, including the
surat berharga aset dan kewajiban lainnya di bawah management of securities assets and other liabilities
Treasury. under Treasury.
3) Transfer atau pengklasifikasian ulang banking 3) Banking book transfer or reclassification, for example
book, misalnya antara Fair Value Through Other between Fair Value Through Other Comprehensive
Comprehensive Income (FVTOCI) dan amortised cost, Income (FVTOCI) and amortised cost, which must
yang harus mengikuti ketentuan yang berlaku. comply with the applicable regulations.
4) Pengelolaan risiko suku bunga dalam banking book 4) Management of interest rate risk in the banking book
(IRRBB) yaitu Bank melakukan pemantauan dan (IRRBB), in which the Bank monitors and controls
pengendalian risiko IRRBB guna mengelola dampak IRRBB risk to manage the impact of changes in interest
perubahan suku bunga terhadap profitabilitas dan rates on profitability and capital.
permodalan.
5) Pengelolaan risiko nilai tukar (foreign exchange risk) 5) Management of foreign exchange is carried out by
dilakukan dengan meminimalkan eksposur foreign minimizing foreign exchange exposure, particularly in
exchange diminimalkan, terutama dalam banking book, the banking book, in which unhedged positions are
di mana ada posisi yang tidak dilindungi nilai ditransfer transferred to the trading book.
ke trading book.
Untuk transaksi yang dilakukan dalam rangka hedging, For transactions carried out for hedging purposes, the Bank
Bank perlu memastikan: needs to ensure:
1) Pencatatan yang dilakukan sesuai standar akuntansi, 1) Recording is made in accordance with accounting
tanpa menyebabkan penyimpangan dalam pengakuan standards, without causing irregularities in revenue
pendapatan; recognition;
2) Transaksi sesuai dengan instruksi atau rekomendasi 2) Transactions are in accordance with instructions or
manajemen atau ALCO; recommendations from the management or ALCO;
3) Memitigasi risiko pasar, dengan melakukan penilaian 3) Mitigating market risk, by conducting periodic
menilai berkala terhadap efektivitas lindung nilai, assessments of the effectiveness of hedging,
khususnya dalam perhitungan rasio hedging; particularly in calculating the hedging ratio;
4) Pemantauan dan evaluasi rasio lindung nilai dari waktu 4) Monitoring and evaluating the hedging ratio from time
ke waktu; dan to time; and
5) Penilaian kredibilitas pihak lawan transaksi dan 5) Assessing the credibility of counterparty and
pencegahan terhadap konsentrasi penempatan risiko. preventing concentration of risk placement.
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2. Struktur Organisasi Manajemen Risiko Pasar 2. Organizational Structure of Market Risk Management
Struktur organisasi manajemen risiko pasar disesuaikan dengan The market risk management organizational structure is
karakteristik dan kompleksitas kegiatan usaha Bank. Adapun adapted to the characteristics and complexity of the Bank’s
struktur organisasi manajemen risiko pasar diuraikan sebagai business activities. The organizational structure of market risk
berikut: management is described as follows:
a. Lini Pertahanan Pertama, merupakan unit bisnis khususnya a. The First Line of Defense, is a business unit, particularly the
Divisi Treasury; Treasury Division;
b. Lini Pertahanan Kedua, unit yang bertanggung jawab b. The Second Line of Defense, the unit being responsible is
adalah Divisi Risk Management/Integrated; dan the Risk Management Division/Integrated; and
c. Lini Pertahanan Ketiga, merupakan Divisi SKAI. c. Third Line of Defense, is the SKAI Division.
Dalam pengelolaan risiko pasar, Bank memiliki Asset and In managing market risk, the Bank has an Asset and Liabilities
Liabilities Committee (ALCO) yang membahas hal-hal terkait Committee (ALCO) that periodically discusses matters related
pengelolaan risiko pasar yang dilakukan secara berkala to market risk management, including limit monitoring and
termasuk pemantauan limit dan Komite Manajemen Risiko yang Risk Management Committee that functions to monitor the
berfungsi untuk memantau tingkat risiko Bank. Bank’s risk level.
3. Ruang Lingkup dan Sifat Pelaporan Risiko Pasar 3. Scope and Nature of Market Risk Reporting
Penerapan manajemen risiko pasar tidak hanya berfokus pada The implementation of market risk management does not only
pengelolaan risiko, tetapi juga pada pemantauan risiko yang focus on risk management, but also on monitoring the risks
dihadapi Bank akibat pergerakan faktor pasar seperti suku faced by the Bank due to movements in market factors such
bunga dan nilai tukar. Penerapan manajemen risiko pasar as interest rates and exchange rates. The implementation of
dilakukan melalui langkah-langkah berikut: market risk management is done through the following steps:
a. Pengelolaan risiko suku bunga dan nilai tukar terhadap a. Management of interest rate risk exchange rate on financial
instrumen keuangan dalam trading book dan banking book; instruments in trading book and banking book;
b. Menerapkan berbagai metode mitigasi, termasuk b. Applying various mitigation methods, including setting
penetapan limit berdasarkan jenjang organisasi, kebijakan limits based on organizational levels, policy on limit for cut
mengenai limit cut loss untuk memantau risiko lebih efektif; loss to monitor risks more effectively;
c. Menetapkan peringatan dini dengan mengukur sensitivitas c. Establishing early warnings by measuring the sensitivity of
pendapatan bunga bersih terhadap pergerakan suku net interest income to interest rate movements; and
bunga; dan
d. Melakukan stress testing guna menilai ketahanan Bank d. Conducting stress testing to assess the Bank’s resilience
dalam menghadapi perubahan suku bunga dan harga in facing changes in interest rates and foreign exchange
pasar valuta asing dalam keadaan ekstrem. market price in extreme conditions.
Dalam pengukuran risiko pasar, Bank juga mempertimbangkan In measuring market risk, the Bank also considers Risk-
Aset Tertimbang Menurut Risiko (ATMR) untuk risiko Weighted Assets (RWA) for market risk by using the standard
pasar dengan menggunakan pendekatan standar dalam approach in calculating the Capital Adequacy Ratio (CAR),
perhitungan rasio Kewajiban Penyediaan Modal Minimum in accordance with the Financial Services Authority Circular
(KPMM), sesuai dengan Surat Edaran Otoritas Jasa Keuangan No. 23/SEOJK.03/2022 on Calculation of Risk-Weighted Assets
No. 23/SEOJK.03/2022 tentang Perhitungan Aset Tertimbang for Market Risk of Commercial Banks.
Menurut Risiko untuk Risiko Pasar bagi Bank Umum.
Profil dan kinerja risiko pasar dievaluasi secara berkala dan The market risk profile and performance are evaluated
dilaporkan kepada manajemen Bank, meliputi: periodically and reported to the Bank’s management, including:
a. Pemantauan eksposur risiko pasar guna memastikan a. Monitoring market risk exposure to ensure compliance with
kepatuhan terhadap limit yang ditetapkan; the established limits;
b. Stress test risiko pasar untuk mengukur ketahanan Bank b. Market risk stress test to measure the Bank’s resilience in
dalam menghadapi skenario ekstrem; dan facing extreme scenarios; and
c. Laporan Profil Risiko untuk Risiko Pasar sebagai bagian dari c. Risk Profile Report for Market Risk as part of risk evaluation
evaluasi dan mitigasi risiko. and mitigation.
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Pengungkapan kuantitatif eksposur risiko pasar sebagai berikut. Quantitative disclosure of market risk exposure is as follows.
Tabel Pengungkapan Kuantitatif Eksposur Risiko Pasar dengan Table of Quantitative Disclosure of Market Risk Exposure by
Menggunakan Metode Standar secara Individual. Using Standardized Method Individually.
Pengungkapan Terkait Credit Valuation Disclosure Related to Credit Valuation
Adjustment (CVA) Adjustment (CVA)
1. Proses Manajemen Risiko untuk CVA 1. Risk Management Process for CVA
CVA diidentifikasi adalah risiko yang muncul akibat perubahan CVA is identified as the risk that arises due to changes in the
nilai eksposur derivatif, yang disebabkan oleh perubahan value of derivative exposure, which is caused by changes in
spread kredit pihak lawan. Risiko ini terutama dari transaksi counterparty’s credit spread. This risk is mainly from derivative
derivatif dengan perusahaan keuangan, pemerintah, dan entitas transactions with financial companies, governments, and non-
non-keuangan yang memiliki eksposur terhadap pergerakan financial entities that have exposure to market movements
pasar dan tingkat kredit. Pengukuran CVA dilakukan dengan and credit levels. CVA measurement is carried out by using
pendekatan kuantitatif yang mempertimbangkan Exposure at quantitative approach that considers Exposure at Default
Default (EAD), Probability of Default (PD), Loss Given Default (EAD), Probability of Default (PD), Loss Given Default (LGD), and
(LGD), dan Discount Factor (DF). Discount Factor (DF).
2. Metode yang Digunakan untuk Menentukan Besaran CVA 2. Method Used to Determine the Amount of CVA
Bank menentukan besaran CVA dengan merujuk pada Surat The Bank determines the amount of CVA by referring to the
Edaran Otoritas Jasa Keuangan No. 23/SEOJK.03/2022 Financial Services Authority Circular No. 23/SEOJK.03/2022
tentang Perhitungan Aset Tertimbang Menurut Risiko untuk on Calculation of Risk-Weighted Assets for Market Risk. Bank
Risiko Pasar. Bank menggunakan Standardized Approach Victoria applies Standardized Approach for Counterparty Credit
Counterparty Credit Risk (SA-CCR) dengan beban modal 100% Risk (SA-CCR) with a capital burden of 100% in determining the
dalam menentukan besaran CVA. amount of CVA.
Metode Valuasi/Mark-to-Market Valuation Method/Mark-to-Market
Salah satu aspek yang paling mendasar dalam pelaksanaan One of the most fundamental aspects in implementing
mark-to-market adalah prinsip kehati-hatian Bank dalam mark-to-market is the Bank’s prudential principles in determining
menentukan metode penilaian (valuasi) yang digunakan untuk setiap valuation method used for each instrument, such as the use of the
instrumen seperti penggunaan metode mark-to-market, sumber mark-to-market method, the source of information about market
informasi tentang nilai pasar yang digunakan, perlakuan terhadap value used, the treatment of deficient/illiquid instruments, as well as
instrumen yang kurang/tidak likuid, serta kebijakan pencadangan reserve policies for profit values due to the mark-to-market process.
terhadap nilai keuntungan akibat proses mark-to-market.
Terhadap instrumen keuangan yang diperdagangkan secara aktif, For financial instruments that are actively traded, the valuation
proses valuasi dilakukan dengan menggunakan harga transaksi process is carried out using close-out prices or market quotations
yang terjadi (close-out prices) atau kuotasi pasar dari sumber yang from independent sources. Valuation of financial instruments uses:
independen. Valuasi terhadap instrumen keuangan menggunakan:
1. Bid price untuk aset yang dimiliki atau kewajiban yang akan 1. Bid price for assets owned or liabilities to be issued; and/or
diterbitkan; dan/atau
2. Ask price untuk aset yang akan diperoleh atau kewajiban yang 2. Ask price for assets to be acquired or liabilities owned.
dimiliki.
Bank dapat menetapkan nilai wajar dengan menggunakan suatu The Bank can determine fair value by using a valuation model or
model atau teknik penilaian apabila harga pasar tidak tersedia. technique if market prices are not available. Valuation is carried out
Valuasi dilakukan secara harian terhadap seluruh posisi treasury. daily on all treasury positions.
Pengukuran Risiko Pasar pada Trading Book Market Risk Measurement in Trading Book
maupun Banking Book and Banking Book
Bank menerapkan beberapa metode dalam mitigasi kerugian yang The Bank applies several methods in mitigating loss that
mungkin timbul dari risiko pasar. Metode pengukuran risiko pasar may incur from market risk. These market risk measurement
tersebut di antaranya: methods include:
1. Bank menggunakan pendekatan standar mengacu pada 1. The Bank uses a standard approach referring to the provisions
ketentuan Otoritas Jasa Keuangan untuk mengukur risiko pasar of the Financial Services Authority to measure market risk.
Kewajiban Penyediaan Modal Minimum dan metric Risiko Suku Capital Adequacy Ratio and Interest Rate Risk metrics in the
Bunga dalam Banking Book (IRRBB) yaitu nilai ekonomis ekuitas Banking Book (IRRBB), namely economic value of equity (EVE)
(EVE) dan pendapatan bunga bersih (NII); and net interest income (NII);
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2. Stress testing digunakan untuk menilai kemampuan finansial 2. Stress testing is used to assess financial capabilities under
di bawah kejadian-kejadian yang ekstrem tapi mungkin terjadi. extreme but possible events. Historical data analysis,
Dalam analisis skenario dan stress testing, dapat digunakan hypothetical assumptions, or scenarios set by the regulator can
dengan menggunakan analisis data historis, menggunakan asumsi be used to analyze scenario and stress testing;
hipotetis atau menggunakan scenario yang ditetapkan regulator;
3. Pengukuran risiko suku bunga pada posisi banking book paling 3. Interest rate risk in banking book positions is measured at least
kurang menggunakan model pengukuran gap report. Gap report by using the gap report measurement model. The gap report
menyajikan pos-pos aset, kewajiban, dan rekening administratif presents asset, liability, and administrative account items that
yang bersifat interest rate sensitive untuk dipetakan ke dalam are interest rate sensitive to be mapped to a certain time scale;
skala waktu tertentu; dan and
4. Proses kaji ulang atau validasi atas model pengukuran risiko 4. The process of reviewing or validating the market risk measurement
pasar dilakukan secara berkala oleh pihak independen antara model is carried out periodically by an independent party, among
lain melalui back testing, termasuk melakukan penyempurnaan others through back testing, including making improvements if
jika diperlukan. necessary.
Pengungkapan Mengenai Interest Rate Risk Disclosure of Information on the Interest
in Banking Book Rate Risk in Banking Book
Bank berada dalam kelompok Bank Modal Inti/KBMI 1, berdasarkan The Bank is within the Bank Group/KBMI 1, based on Financial
Peraturan Otoritas Jasa Keuangan No. 12/POJK.03/2021 dan tidak Services Authority Regulation No. 12/POJK.03/2021 and does not
memenuhi kriteria untuk mengungkapkan laporan perhitungan Interest meet the criteria to disclose calculation report of Interest Rate Risk
Rate Risk in Banking Book (IRRBB) sesuai Surat Edaran Otoritas Jasa in Banking Book (IRRBB) in accordance with Financial Services
Keuangan No. 12/SEOJK.03/2018 tanggal 21 Agustus 2018 tentang Authority Circular No. 12/SEOJK.03/2018 dated 21 August 2018 on
Penerapan Manajemen Risiko dan Pengukuran Risiko Pendekatan the Implementation of Risk Management and Risk Measurement
Standar untuk Risiko Suku Bunga dalam Banking Book (IRRBB) bagi Using Standardized Approach for Interest Rate Risk in the Banking
Bank Umum. Dalam hal mengendalikan risiko suku bunga pada banking Book (IRRBB) for Commercial Banks. In terms of controlling the
book, Bank menggunakan analisa sensitivitas berdasarkan repricing interest rate risk in banking book, the Bank uses sensitivity analysis
gap yang disusun dalam rangka pemenuhan ketentuan mengenai based on the repricing gap prepared in order to fulfill the provisions
penilaian tingkat kesehatan Bank Umum dan penerapan manajemen on the sound rating of Commercial Banks and the implementation of
risiko bagi Bank Umum. Parameter tersebut dapat memberikan indikasi risk management at Commercial Banks. This parameter may provide
atas risiko terhadap perspektif nilai ekonomis Bank yang timbul dari an indication of the risks to the Bank’s economic value perspective
pergerakan suku bunga yang memengaruhi permodalan dan perspektif arising from interest rate scenario movement affecting capital and
pendapatan bunga bersih yang memengaruhi rentabilitas Bank. net interest income perspective which affect the Bank’s profitability.
Risiko Likuiditas Liquidity Risk
Risiko likuiditas adalah risiko akibat ketidakmampuan Bank untuk Liquidity risk is a risk due to the Bank’s inability to meet its due
memenuhi kewajiban yang jatuh tempo dari sumber pendanaan liabilities from the funding cash flows and/or from high quality liquid
arus kas dan/atau dari aset likuiditas berkualitas tinggi yang dapat assets that can be pledged, without disrupting the Bank’s financial
diagunkan tanpa mengganggu aktivitas keuangan Bank. Risiko activity. The liquidity risk is categorized into:
likuiditas dikategorikan menjadi:
1. Risiko likuiditas pasar 1. Market liquidity risk
Risiko yang timbul karena Bank tidak mampu melakukan The risk arising due to the Bank is unable to offset certain
off setting posisi tertentu dengan harga pasar. positions at market prices.
2. Risiko likuiditas pendanaan 2. Funding liquidity risk
Risiko yang timbul karena Bank tidak mampu mencairkan asetnya The risk arising due to the Bank is unable to withdraw the assets
atau memperoleh pendanaan dari sumber dana lainnya. or obtain funding from other sources of funds.
Ketidakmampuan memperoleh sumber pendanaan arus kas dapat Inability to acquire cash flows of source of fund can cause liquidity
menimbulkan risiko likuiditas yang disebabkan oleh: risk resulting from:
1. Ketidakmampuan menghasilkan arus kas yang berasal dari aset 1. Inability to generate cash flows from earning assets or from the
produktif maupun yang berasal dari penjualan aset termasuk sale of assets including liquid assets; and
aset likuid; dan
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Struktur Permodalan dan Manajemen Risiko
Capital Structure and Risk Management
2. Ketidakmampuan menghasilkan arus kas yang berasal dari 2. Inability to generate cash flows from fund raising, interbank
penghimpunan dana, transaksi antar Bank, dan pinjaman yang transactions, and loans.
diterima.
Tujuan utama manajemen risiko untuk risiko likuiditas adalah The main objective of risk management for liquidity risk is to
untuk meminimalkan kemungkinan ketidakmampuan Bank dalam minimize the possibility of the Bank’s inability to obtain source of
memperoleh sumber pendanaan arus kas. fund for cash flow.
Tata Kelola Pengelolaan Risiko Likuiditas Liquidity Risk Management Governance
1. Risk appetite dan toleransi risiko dikaji oleh Risk Taking Unit 1. Risk appetite and risk tolerance are reviewed by the Risk Taking
minimal setahun sekali, serta harus mendapat persetujuan Unit at least once a year, and such review must obtain approval
Komite Manajemen Risiko atau Direksi dan Dewan Komisaris. from the Risk Management Committee or the Board of Directors
Setiap pelanggaran risk appetite dan toleransi risiko harus and Board of Commissioners. Any violation of risk appetite and
dieskalasi hingga ke Dewan Komisaris dan/atau tingkat Komite risk tolerance must be escalated to the Board of Commissioners
Dewan Komisaris terkait seperti Komite Pemantau Risiko; and/or the relevant Board of Commissioners Committee level,
such as the Risk Monitoring Committee;
2. Kebijakan manajemen risiko likuiditas harus disetujui oleh 2. The liquidity risk management policy must be approved by the
Komite Manajemen Risiko atau ALCO yang dikaji secara berkala Risk Management Committee or ALCO, reviewed periodically
dan memenuhi persyaratan regulasi; and fulfilling the regulatory requirements;
3. Limit risiko likuiditas harus disetujui oleh ALCO. Limit 3. Liquidity risk limits must be approved by ALCO. This limit
tersebut harus dikaji paling sedikit setiap tahun dengan must be reviewed at least annually by considering the Bank’s
mempertimbangkan strategi bisnis dan risk appetite Bank; business strategy and risk appetite;
4. Likuiditas Bank dikelola secara tersentralisasi oleh Treasury; dan 4. The Bank’s liquidity is managed centrally by the Treasury; and
5. Validasi model pengukuran risiko harus dilakukan secara berkala 5. Validation of risk measurement models must be carried out
oleh pihak yang independen dari pengembang dan pengguna periodically by parties independent of the developers and
model tersebut. users of the model.
Struktur Organisasi Manajemen Risiko Liquidity Risk Management Organizational
Likuiditas Structure
Struktur organisasi manajemen risiko likuiditas telah dirancang The liquidity risk management organizational structure has been
agar dapat bekerja secara optimal dengan mengutamakan prinsip designed to work optimally by prioritizing prudential principles
kehati-hatian melalui implementasi dual control process serta through the implementation of dual control processes and daily
pemantauan secara harian atas indikator peringatan dini likuiditas monitoring of the Bank’s liquidity early warning indicators. The
Bank. Struktur organisasi manajemen risiko likuiditas diuraikan liquidity risk management organizational structure is described
sebagai berikut: below:
1. Lini Pertahanan Pertama adalah semua unit bisnis; 1. The First Line of Defense is all business units;
2. Lini Pertahanan Kedua adalah Divisi Risk Management/Integrated 2. The Second Line of Defense is the Risk Management/
dan Divisi Compliance, System Procedure & Customer Integrated Division and the Compliance, System Procedure
Protection; & Customer Protection Division;
3. Lini Pertahanan Ketiga adalah Divisi SKAI. 3. The Third Line of Defense is SKAI Division.
Strategi Pendanaan Funding Strategy
Strategi bidang pendanaan diprioritaskan pada upaya menjaga The funding strategies are prioritized on efforts to maintain
dan meningkatkan loyalitas nasabah dan menambah nasabah baru and increase customer loyalty and add new customers with a
dengan target pertumbuhan yang berbasis struktur pendanaan growth target based on a sound and optimal funding structure.
yang sehat dan optimal. Strategi pendanaan di antaranya mencakup The funding strategy includes a diversification strategy of funding
strategi diversifikasi sumber dan jangka waktu pendanaan yang sources and time period that link to the Bank’s characteristics and
dikaitkan dengan karakteristik dan Rencana Bisnis Bank. Dalam business plans. In this matter, the Bank identifies and monitors the
hal ini Bank mengidentifikasi dan memantau faktor utama yang main factors affecting the Bank’s ability to obtain funds, including
memengaruhi kemampuan Bank untuk memperoleh dana, termasuk identifying and monitoring alternative funding that can strengthen
mengidentifikasi dan memantau alternatif pendanaan yang dapat its capacity to withstand crisis conditions.
memperkuat kapasitasnya untuk bertahan pada kondisi krisis.
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Mitigasi Risiko Likuiditas Mitigation of Liquidity Risk
Dalam memitigasi risiko likuiditas, Bank menetapkan indikator In mitigating liquidity risk, the Bank establishes early warning
peringatan dini, di antaranya dengan menentukan risk appetite dan indicators, among others by determining risk appetite and risk
risk tolerance/limit melalui beberapa indikator keuangan seperti tolerance/limit through several financial indicators such as the ratio
rasio alat likuid terhadap dana pihak ketiga dan rasio alat likuid of liquid assets to third party deposits and the ratio of liquid assets
terhadap non-core deposit yang adaptif terhadap perubahan. to non-core deposits that are adaptive to change.
Stress Testing Risiko Likuiditas Stress Testing of Liquidity Risk
Bank mengembangkan stress testing likuiditas untuk memastikan The Bank develops liquidity stress testing to ensure the Bank
Bank memiliki akses sumber likuiditas yang cukup untuk bertahan has access to sufficient liquidity sources to survive stress event
pada kondisi stress event untuk periode tertentu yang telah conditions for a certain predetermined period. Stress testing is an
ditentukan. Stress testing merupakan metode yang penting dalam important method in managing liquidity to ensure that the Bank is
pengelolaan likuiditas untuk memastikan Bank selalu berada pada always in a position to fulfill all its obligations, repay depositors, fulfill
posisi dapat memenuhi seluruh kewajibannya, membayar kembali loan commitments, and fulfill other commitments made both under
deposan, memenuhi komitmen pemberian pinjaman, dan memenuhi normal and stressed conditions.
komitmen lainnya yang dibuat baik dalam kondisi normal maupun stres.
Hasil stress test risiko likuiditas dapat menjadi masukan dalam The results of the liquidity risk stress test can be used as input
melakukan kaji ulang terhadap kebijakan dan strategi manajemen for reviewing liquidity risk management policies and strategies,
risiko likuiditas, komposisi aset, kewajiban dan/atau rekening composition of assets, liabilities, and/or administrative accounts,
administratif, rencana pendanaan darurat (contingency funding contingency funding plan, and limit setting.
plan) dan penetapan limit.
Pengelolaan Risiko Likuiditas pada Saat Krisis Liquidity Risk Management in Times of Crisis
Dalam menghadapi krisis likuiditas, Bank telah memiliki Liquidity To deal with liquidity crisis, the Bank already has a Liquidity
Contingency Plan (LCP) yang secara formal menetapkan strategi Contingency Plan (LCP) that formally sets out strategies to deal
untuk menghadapi krisis likuiditas dan prosedur untuk menutup with liquidity crisis and procedures to cover cash flow deficits in
defisit arus kas dalam situasi darurat. LCP mencakup kebijakan, emergency situations. LCP includes policies, strategies, procedures,
strategi, prosedur dan rencana tindak untuk memastikan and action plans to ensure the Bank’s ability to obtain the necessary
kemampuan Bank memperoleh sumber pendanaan yang diperlukan source of fund in a timely manner and at a reasonable cost.
secara tepat waktu dan dengan biaya yang wajar. Dokumen tersebut The document is disseminated to the relevant units so that such
disosialisasikan kepada unit-unit terkait agar dapat memahami units can understand their respective duties and responsibilities.
tugas dan tanggung jawabnya masing-masing.
Pengungkapan Risiko Likuiditas Disclosure of Liquidity Risk
1. Pengungkapan mengenai Liquidity Coverage Ratio dan Aset 1. Disclosure on Liquidity Coverage and Encumbrance (ENC)
Terikat (Encumbrance/ENC) mengacu pada Peraturan Otoritas refers to the Financial Services Authority Regulation No. 19 of
Jasa Keuangan No. 19 Tahun 2024 tentang Perubahan atas 2024 on Amendment to Financial Services Authority Regulation
Peraturan Otoritas Jasa Keuangan No. 42/POJK.03/2015 No. 42/POJK.03/2015 on the Obligation of Fulfillment of
tentang Kewajiban Pemenuhan Rasio Kecukupan Likuiditas Liquidity Coverage Ratio for Commercial Banks.
(Liquidity Coverage Ratio) bagi Bank Umum.
a. Tabel Perhitungan Rasio Kecukupan Likuiditas (LCR). a. Liquidity Coverage Ratio (LCR) Calculation Table.
b. Tabel Pengungkapan Aset Terikat (Encumbrance/ENC). b. Table of Disclosure of Encumbrance (ENC).
2. Pengungkapan Nett Stable Funding Ratio Bank mengacu 2. Disclosure of the Bank’s Nett Stable Funding Ratio refers
pada Peraturan Otoritas Jasa Keuangan No. 20 Tahun 2024 to Financial Services Authority Regulation No. 20 of 2024
tentang Perubahan atas Peraturan Otoritas Jasa Keuangan on Amendment to Financial Services Authority Regulation
No. 50/POJK.03/2017 tentang Kewajiban Pemenuhan Rasio No. 50/POJK.03/2017 on Obligation of Fulfillment of Net Stable
Pendanaan Stabil Bersih (Net Stable Funding Ratio) Bagi Funding Ratio for Commercial Banks.
Bank Umum.
Tabel Laporan Kewajiban Pemenuhan Rasio Pendanaan Stabil Table of Report on Obligation of Fulfillment of Net Stable
Bersih (NSFR). Funding Ratio (NSFR).
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Struktur Permodalan dan Manajemen Risiko
Capital Structure and Risk Management
Risiko Operasional Operational Risk
Risiko operasional adalah risiko akibat ketidakcukupan dan/atau Operational Risk is risk due to inadequacy and/or malfunction
tidak berfungsinya proses internal, kesalahan manusia, kegagalan of internal process, human error, system failure, and/or external
sistem, dan/atau adanya kejadian-kejadian eksternal yang incidents affecting the Bank’s operations.
memengaruhi operasional Bank.
Tujuan utama manajemen risiko untuk risiko operasional adalah The main objective of risk management for operational risk is to
untuk meminimalkan kemungkinan dampak negatif dari tidak minimize the possible negative impacts of non-functioning internal
berfungsinya proses internal, kesalahan manusia, kegagalan sistem, processes, human errors, system failures, and/or external events.
dan/atau kejadian-kejadian eksternal.
Manajemen risiko operasional dilakukan secara konsisten terhadap Operational risk management is carried out consistently on
kerangka kerja serta dengan menentukan strategi dan mitigasi framework and by determining strategies and mitigation in order
guna memperoleh keseimbangan yang optimal antara paparan risiko to obtain maximum balance between operational risk exposure,
operasional, efektivitas mekanisme kontrol, dan pembuatan risk appetite. effectiveness of control mechanism, and risk appetite establishment.
Struktur Organisasi Manajemen Risiko Operational Risk Management Organizational
Operasional Structure
Penerapan manajemen risiko operasional banyak melibatkan The operational risk management implementation highly involves
berbagai pihak dalam Bank melalui penerapan 3 (tiga) lini many parties in the Bank through the implementation of three lines
pertahanan (three lines of defense) yang berfungsi sebagai berikut: of defense which function as follows:
1. Lini Pertahanan Pertama merupakan unit bisnis dan unit 1. First line of defense is a business unit and supporting unit that
pendukung yang berperan sebagai risk taker; functions as risk taker;
2. Lini Pertahanan Kedua adalah Unit AML, CTF & WMD dan 2. Second Line of Defense is the AML, CTF & WMD Unit
Divisi Risk Management/Integrated; dan and Risk Management/Integrated Division; and
3. Lini Pertahanan Ketiga merupakan unit yang dijalankan Divisi 3. Third Line Defense is a unit run by the SKAI Division.
SKAI.
Dalam pengelolaan risiko operasional, di samping Komite In managing operational risk, in addition to the Risk Management
Manajemen Risiko, Bank memiliki komite lain di antaranya Komite Committee, the Bank has other committees including the Information
Teknologi Informasi, Komite Pengadaan, Komite Produk, dan Komite Technology Committee, Procurement Committee, Product Committee,
Personalia untuk menunjang operasional Bank yang secara efektif and Personnel Committee to support the Bank’s operations which can
dapat menekan kerugian akibat risiko operasional. effectively reduce losses due to operational risk.
Mekanisme yang Digunakan Bank untuk Mechanism Used by the Bank to Identify
Mengidentifikasi dan Mengukur Risiko Operasional and Measure Operational Risk
Proses identifikasi dan pengukuran risiko dilakukan melalui Risk identification and measurement process is performed by
penerapan perangkat manajemen risiko operasional, yakni risk applying operational risk management tools, namely risk register
register dengan tujuan untuk mengidentifikasi risiko-risiko pada aimed to identify risks in operational risk functional activities so
aktivitas fungsional risiko operasional, sehingga kerugian maksimum that maximum losses that may arise in the future can be minimized.
yang mungkin timbul di masa mendatang dapat diminimalisir. Risk The Risk Registers used for the implementation of operational risk
Register yang dipergunakan untuk pelaksanaan manajemen risiko management are as follows:
operasional sebagai berikut:
1. Risk and Control Self-Assessment 1. Risk and Control Self-Assessment
Risk and Control Self-Assessment (RCSA) merupakan alat untuk Risk and Control Self-Assessment (RCSA) is a tool for
mengidentifikasi dan mengukur risiko operasional yang bersifat identifying and measuring operational risks that are qualitative
kualitatif dan prediktif dengan menggunakan dimensi dampak and predictive using the dimensions of impact and possible
dan kemungkinan kejadian. RCSA umumnya difokuskan pada events. RCSA is generally focused on risks that have an impact
risiko-risiko yang memiliki dampak terhadap kemampuan Bank on the Bank’s ability to maintain its business and operational
dalam menjaga kelangsungan bisnis dan operasional. Proses sustainability. The risk assessment process is carried out
penilaian risiko dilakukan dengan melakukan self-assessment by conducting self-assessment of risk level evaluation,
tentang evaluasi tingkat risiko, yang mencakup kemungkinan including possible events, magnitude of impacts, and control
kejadian, besarnya dampak, dan tingkat efektivitas kontrol. effectiveness level. Furthermore, RCSA detects the adequacy
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Selanjutnya, RCSA mendeteksi kecukupan internal control of the Bank’s internal control to prevent any deviations/failures,
Bank untuk mencegah penyimpangan/kegagalan yang terjadi, and to apply appropriate operational risk controls to manage
serta menerapkan pengendalian risiko operasional yang tepat operational risk in order to stay within the operational risk
untuk mengelola risiko operasional agar tetap berada dalam tolerance level.
tingkatan toleransi risiko operasional.
2. Key Risk Indicator 2. Key Risk Indicator
Key Risk Indicator (KRI) adalah perangkat yang lazim digunakan Key Risk Indicator (KRI) is a common tool used to identify and
untuk mengidentifikasi dan menganalisis risiko sejak dini (early analyze early warning on the upward and downward movement
warning) atas naik-turunnya indikator-indikator tingkat risiko of indicators of operational risk level that is inherent in every
operasional yang melekat pada setiap aktivitas bisnis dan business activity and operation of the Bank. KRI benefits
operasional Bank. Manfaat KRI antara lain dapat memantau dan include monitoring and predicting operational risk exposures
memprediksi eksposur risiko operasional, serta mengidentifikasi and identifying changes of operational risk profile. The main risk
perubahan profil risiko operasional. Indikator risiko utama indicators provide information on the risk of potential losses in
memberikan informasi tentang risiko potensial kerugian di masa the future. Thresholds (triggers) can be defined for KRI and can
depan. Ambang batas (pemicu) dapat didefinisikan untuk KRI dan serve as indicators in an early warning system.
dapat berfungsi sebagai indikator dalam sistem peringatan dini.
3. Loss Event Database 3. Loss Event Database
Loss Event Database (LED) merupakan alat/perangkat manajemen Loss Event Database (LED) is an operational risk management
risiko operasional yang digunakan untuk mencatat/mengelola tool/instrument used to record/manage incident data occurred
data kejadian yang telah terjadi dalam operasional Bank. Database during the Bank’s operations. The database of losses, both
kerugian, baik yang bersifat potensial maupun aktual merupakan potential and actual, is an important prerequisite in the process
prasyarat penting dalam proses penyusunan model pengukuran of formulating measurement model of operational risk loss and
kerugian risiko operasional dan sebagai alat untuk melakukan as a tool for validating every risk assessment or risk prediction
validasi setiap proses penilaian risiko atau prediksi risiko. process.
Risiko operasional inheren (risiko yang melekat/gross) dan risiko residual Inherent operational risk (gross risk) and residual risk are measured
diukur dengan menggunakan matriks Penilaian Risiko Operasional by using the Operational Risk Assessment matrix by considering
dengan mempertimbangkan dampak dan kemungkinan risiko itu the impact and possibility of the risk itself. The Risk Taking Unit must
sendiri. Risk Taking Unit harus mengukur bahwa kontrol memadai dan measure that controls are adequate and ensure completeness,
memastikan kelengkapan, keberadaan, keakuratan, otorisasi, penilaian, existence, accuracy, authorization, assessment, ownership, presentation,
kepemilikan, penyajian, dan pelaporan transaksi dan/atau proses. and reporting of transactions and/or processes.
Mekanisme untuk Memitigasi Risiko Operasional Operational Risk Mitigation Mechanism
Guna memitigasi risiko operasional, Bank telah melakukan In order to mitigate operational risk, the Bank has increased its human
peningkatan sumber daya manusia melalui pendidikan dan resources by carrying out continuous education and training. This is
pelatihan secara berkelanjutan. Hal tersebut bertujuan agar intended for enhancing employees’ ability so that they can perform
kemampuan karyawan dalam melaksanakan tugas dapat berjalan their duties properly. Furthermore, the Bank has also evaluated
dengan lebih baik. Selain itu, Bank telah melakukan evaluasi and revised the existing policies and system procedures, examined
dan revisi atas kebijakan dan sistem prosedur yang sudah ada, access level and transaction limits according to each employee’s
memeriksa akses level, dan limit-limit transaksi sesuai dengan tugas duties and responsibilities, developed information technology, and
dan tanggung jawab masing-masing karyawan, mengembangkan applied internal control system.
teknologi informasi serta menerapkan sistem pengendalian internal.
Untuk menjaga kelangsungan bisnis terhadap peristiwa yang tidak In order to maintain its business continuity against undesired
diinginkan, Bank mempunyai Business Continuity Management events, the Bank has Business Continuity Management (BCM)
(BCM) dan juga telah memiliki lokasi off site back up yang digunakan and also already has an offsite back up location used during the
pada saat pengujian BCM. Dalam penanggulangan bencana, Bank BCM testing. In disaster management, the Bank has data center
memiliki pusat data (data center) dan pusat penanggulangan and disaster recovery center located in 2 (two) different locations
bencana (disaster recovery center) yang terdapat di 2 (dua) lokasi within the country. This will enable the critical systems, including
berbeda di dalam negeri. Hal ini akan memungkinkan sistem-sistem core systems, as well as payment systems, and regulatory reporting
penting, termasuk sistem inti, serta sistem pembayaran, dan sistem systems, to keep operating at times of disaster.
pelaporan regulator yang tetap berjalan jika terjadi bencana.
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Struktur Permodalan dan Manajemen Risiko
Capital Structure and Risk Management
Pengungkapan Risiko Operasional Disclosure of Operational Risk
Dalam perhitungan Aset Tertimbang Menurut Risiko untuk risiko In calculating Risk Weighted Assets for operational risk, the Bank
operasional, Bank mengacu kepada Peraturan Otoritas Jasa Keuangan refers to Financial Services Authority Regulation No. 27 of 2022
No. 27 Tahun 2022 tentang Perubahan Kedua atas Peraturan on the Second Amendment to the Financial Services Authority
Otoritas Jasa Keuangan No. 11/POJK.03/2016 tentang Kewajiban Regulation No. 11/POJK.03/2016 on Minimum Capital Adequacy
Penyediaan Modal Minimum Bagi Bank Umum dan Surat Edaran Ratio for Commercial Banks and Financial Services Authority
Otoritas Jasa Keuangan No. 06/SEOJK.03/2020 tentang Perhitungan Circular No. 06/SEOJK.03/2020 on Calculation of Risk-Weighted
Aset Tertimbang Menurut Risiko untuk Risiko Operasional dengan Assets for Operational Risk by Using Standardized Approach for
Menggunakan Pendekatan Standar bagi Bank Umum. Commercial Banks.
Pengungkapan Kuantitatif Eksposur Risiko sebagai berikut: Quantitative Disclosure of Risk Exposure is as follows:
Tabel Pengungkapan Kuantitatif Risiko Operasional Bank secara Table of Quantitative Disclosure of Operational Risk of the Bank
Individual. Individually.
Risiko Hukum Legal Risk
Risiko hukum merupakan risiko akibat tuntutan hukum dan/atau Legal risk is a risk as a result of lawsuits and/or weakness of juridical
kelemahan aspek yuridis. Risiko hukum dapat bersumber antara aspect. Legal risk can be sourced from, among others, weaknesses
lain dari kelemahan aspek yuridis yang disebabkan oleh lemahnya in the juridical aspects caused by weak commitments made by the
perikatan yang dilakukan oleh Bank, ketiadaan dan/atau perubahan Bank, absence and/or changes in laws and regulations that cause a
peraturan perundang-undangan yang menyebabkan suatu transaction made by the Bank becomes not in accordance with the
transaksi yang telah dilakukan Bank menjadi tidak sesuai dengan provisions, and litigation processes either arising from third party
ketentuan, dan proses litigasi, baik yang timbul dari gugatan pihak claims against the Bank or the Bank against third parties.
ketiga terhadap Bank maupun Bank terhadap pihak ketiga.
Tujuan utama manajemen risiko untuk risiko hukum adalah untuk The main objective of risk management for legal risk is to ensure
memastikan bahwa proses manajemen risiko dapat meminimalkan that the risk management process minimizes the possibility of
kemungkinan dampak negatif dari kelemahan aspek yuridis, negative impact from weakness of juridical aspects, the absence of
ketiadaan dan/atau perubahan peraturan perundang-undangan, and/or amendment to laws and regulations and litigation process.
dan proses litigasi.
Struktur Organisasi Manajemen Risiko Hukum Organizational Structure of Legal Risk Management
Penerapan manajemen risiko hukum banyak melibatkan berbagai The legal risk management implementation highly involves many
pihak dalam Bank melalui penerapan 3 (tiga) lini pertahanan (three parties in the Bank through the implementation of three lines of
lines of defense) yang berfungsi sebagai berikut: defense which function as follows:
1. Lini Pertahanan Pertama, merupakan semua divisi; 1. The First Line of Defense, constitutes all divisions;
2. Lini Pertahanan Kedua, terdiri dari Divisi Corporate Legal, dan 2. The Second Line of Defense, consists of the Corporate Legal
Divisi Compliance, System Procedure & Customer Protection; Division, and Compliance, System Procedure & Customer
dan Protection Division; and
3. Lini Pertahanan Ketiga adalah Divisi SKAI. 3. The Third Line of Defense is SKAI Division.
Mekanisme Pengendalian Risiko Hukum Legal Risk Control Mechanism
Langkah yang dilakukan dalam upaya mitigasi risiko hukum meliputi: Measures taken in the effort to mitigate legal risk includes:
1. Standardisasi dokumen hukum terkait produk atau fasilitas 1. Standardizing the legal documents related to banking products
perbankan yang ditawarkan oleh Bank kepada masyarakat. or facilities offered by the Bank to the public which will be made
Dokumen tersebut dibuat dengan mengacu kepada ketentuan in accordance with the prevailing laws and regulations and
peraturan perundangan yang berlaku, serta memperhatikan taking into account the Bank’s juridical aspect;
kepentingan aspek yuridis dari Bank;
2. Memberikan opini hukum atas penyelenggaraan produk baru 2. Providing legal opinion on the Bank’s new products before
Bank sebelum diperkenalkan atau dipasarkan ke masyarakat; launching or promoting to the public;
3. Memantau perkembangan kasus-kasus hukum yang terjadi 3. Monitoring the progress of legal cases and paying special
dan memberikan perhatian khusus atas kasus hukum yang attention to legal cases having the potential to cause loss;
berpotensi menimbulkan kerugian;
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4. Memberikan informasi dan pengetahuan hukum kepada 4. Providing legal information and knowledge to relevant units;
unit-unit terkait;
5. Memastikan perjanjian-perjanjian dan dokumen dengan 5. Ensuring that agreements and documents with customers
nasabah dan/atau pihak ketiga lainnya dilakukan sesuai dengan and/or other third parties are carried out in accordance with
ketentuan yang berlaku; the applicable regulations;
6. Melakukan evaluasi atas dokumen-dokumen atau perjanjian- 6. Evaluating documents or agreements to safeguard the Bank’s
perjanjian guna mengamankan kepentingan hukum Bank; dan legal interests; and
7. Meningkatkan kemampuan dan pengetahuan sumber daya 7. Increasing the capabilities and knowledge of human resources,
manusia, serta pengkajian atas perkara litigasi yang telah as well as reviewing litigation cases that have occurred.
terjadi.
Risiko Reputasi Reputation Risk
Risiko reputasi adalah risiko yang terkait atas persepsi negatif Reputation risk is a risk associated with negative perceptions on
terhadap Bank yang dapat bersumber dari berbagai kejadian yang the Bank that can be sourced from various undesirable events, such
tidak diinginkan, antara lain publikasi negatif atas operasional as negative publicity of the Bank’s operations, violations of business
Bank, pelanggaran etika bisnis, keluhan nasabah, kelemahan tata ethics, customer complaints, governance weaknesses, and other
kelola, dan kejadian-kejadian lainnya yang dapat mengakibatkan incidents that can result in a decrease image of the Bank.
penurunan citra Bank.
Tujuan utama manajemen risiko untuk risiko reputasi adalah untuk The main objective of risk management for reputation risk is to
mengantisipasi dan meminimalkan dampak kerugian dari risiko anticipate and minimize the impact of losses from the Bank’s
reputasi Bank. reputation risk.
Struktur Organisasi Manajemen Risiko Reputasi Organizational Structure of Reputation
Risk Management
Pengelolaan risiko reputasi melibatkan berbagai pihak dalam Bank Reputation risk management involves various parties within the
melalui penerapan 3 (tiga) lini pertahanan (three lines of defense) Bank through the implementation of three lines of defense which
yang berfungsi sebagai berikut: function as follows:
1. Lini Pertahanan Pertama merupakan Direksi dan seluruh 1. The First Line of Defense is the Board of Directors and all
karyawan; employees;
2. Lini Pertahanan Kedua, terdiri dari Divisi Corporate Secretary 2. The Second Line of Defense, consists of the Corporate Secretary
dan Divisi Risk Management/Integrated; dan Division and Risk Management/Integrated Division; and
3. Lini Pertahanan Ketiga adalah Divisi SKAI. 3. The Third Line of Defense is SKAI Division.
Kebijakan dan Mekanisme dalam Rangka Policies and Mechanism in the Framework of
Meningkatkan Kualitas Pelayanan kepada Increasing Service Quality to Customers and
Nasabah dan Pemangku Kepentingan Lainnya Other Stakeholders to Control Reputation Risk
untuk Mengendalikan Risiko Reputasi
Bank telah membentuk layanan contact center yang secara khusus The Bank has established a contact center service that specifically
menangani keluhan nasabah melalui layanan telepon 24 (dua puluh handles customer complaints through 24 (twenty four) hour
empat) jam dan melakukan monitoring atas keluhan nasabah serta telephone service and monitors customer complaints and their
tindak lanjutnya. Dalam rangka pengendalian risiko reputasi, Bank follow-up. In order to control reputation risk, the Bank, among
melakukan beberapa hal di antaranya: others, conducts the following matters:
1. Tersedianya ketentuan penanganan pengaduan nasabah yang 1. The availability of provisions for handling customer complaints
secara jelas mengatur kebijakan, prosedur, unit kerja yang that clearly regulate policies, procedures, work units that
melakukan pemantauan dan pelaporan seputar penanganan monitor and report on the handling of customer complaints;
pengaduan nasabah; dan and
2. Pemantauan terhadap jumlah dan penyelesaian pengaduan 2. Monitoring the number and settlement of customer complaints
nasabah serta pemberitaan negatif tentang Bank Victoria. as well as negative news about Bank Victoria.
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Struktur Permodalan dan Manajemen Risiko
Capital Structure and Risk Management
Pengelolaan Risiko Reputasi pada Saat Krisis Reputation Risk Management in Times of Crisis
1. Pengelolaan krisis komunikasi dikoordinasikan oleh pihak 1. The management of communication crisis coordinated by the
internal dan eksternal Bank termasuk media massa dengan alur Bank’s internal and external parties, including mass media
protokol komunikasi dan penanggung jawab komunikasi; dan under the flow of communication protocol and the person in
charge of communication; and
2. Bank memiliki business continuity plan untuk meminimalisasi 2. The Bank has a business continuity plan to minimize the Bank’s
gangguan usaha Bank dan mempercepat proses pemulihan business disruption and accelerate crisis recovery process of
krisis pada risiko reputasi. reputation risk.
Risiko Stratejik Strategic Risk
Risiko stratejik adalah risiko akibat ketidaktepatan dalam Strategic Risk is a risk as a result of incorrectness in making and/or
pengambilan dan/atau pelaksanaan suatu keputusan strategis, implementing a strategic decision, as well as failure in anticipating
serta kegagalan dalam mengantisipasi perubahan lingkungan changes in the business environment. The Bank’s inability to
bisnis. Ketidakmampuan Bank dalam melakukan penyusunan formulate appropriate strategies may result in the failure of the
strategi yang tepat dapat menimbulkan kegagalan bisnis Bank di Bank’s business in the future. This risk also includes the Bank’s ability
masa yang akan datang. Risiko ini juga mencakup kemampuan Bank to develop competitiveness and create a competitive advantage in
dalam mengembangkan daya saing dan menciptakan keunggulan the midst of the increasingly tight banking competition.
kompetitif Bank di tengah kompetisi perbankan yang semakin ketat.
Tujuan utama manajemen risiko untuk risiko stratejik adalah memastikan The main objective of risk management for strategic risk is to ensure
bahwa proses manajemen risiko dapat meminimalkan kemungkinan that the risk management process can minimize the potential
dampak negatif dari ketidaktepatan pengambilan keputusan stratejik negative impact of inaccuracy of strategic decision making and
dan kegagalan dalam mengantisipasi perubahan lingkungan bisnis. failure in anticipating changes in the business environment.
Bank menetapkan dan mencapai tujuan strategis untuk memberikan The Bank sets and achieves strategic objectives to provide optimal
hasil yang optimal bagi pemangku kepentingan dengan tetap results for stakeholders while maintaining a balance between risk
menjaga keseimbangan antara risiko dan keuntungan, sejalan dengan and profit, in line with changes in macroeconomic conditions and
perubahan kondisi makroekonomi dan kebutuhan nasabah. customer needs.
Bank selalu mengevaluasi kinerja bisnis dari waktu ke waktu yang The Bank always evaluates the business performance from time to
disesuaikan dengan perubahan internal maupun eksternal Bank time in accordance with the Bank’s internal and external changes to
guna memperkecil risiko stratejik Bank. minimize the Bank’s strategic risks.
Struktur Organisasi Manajemen Risiko Stratejik Organizational Structure of Strategic
Risk Management
Pengelolaan risiko stratejik melibatkan berbagai pihak dalam Bank Strategic management involves various parties within the Bank
melalui penerapan 3 (tiga) lini pertahanan (three lines of defense) through the implementation of three lines of defense which
yang berfungsi sebagai berikut: function as follows:
1. Lini Pertahanan Pertama merupakan Direksi, Senior Executive 1. The First Line of Defense is the Board of Directors, Senior
Vice President, dan Unit Bisnis; Executive Vice President, and Business Units;
2. Lini Pertahanan Kedua, terdiri dari Divisi Corporate Secretary, 2. The Second Line of Defense, consists of the Corporate Secretary
Divisi Accounting, dan Divisi Risk Management/Integrated; dan Division, Accounting Division, and Risk Management/Integrated
Division; and
3. Lini Pertahanan Ketiga adalah Divisi SKAI. Bank memiliki 3. The Third Line of Defense is SKAI Division. The Bank has an
sistem pengendalian internal untuk manajemen risiko internal control system for strategic risk management, which
stratejik, mencakup pengawasan secara berkala atas kinerja includes regular monitoring of the Bank’s performance that
Bank yang berdampak pada pendapatan usaha dan budaya have an impact on business revenues, and a strategic risk
pengendalian risiko stratejik yang melibatkan seluruh lini control culture that involves all of the Bank’s business lines.
bisnis Bank.
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Kebijakan Bank dalam Mengidentifikasi dan Bank Policies to Identify and Respond to
Merespons Perubahan Lingkungan Bisnis, Changes in Business Environment,
baik Eksternal maupun Internal External and Internal
Penyusunan strategi Bank dituangkan dalam rencana bisnis Bank The formulation of the Bank’s strategy is set forth in the Bank’s
melalui serangkaian diskusi yang melibatkan jajaran manajemen. business plan through a series of discussions involving management
Kebijakan umum atau arahan strategis yang dirumuskan Bank adaptif ranks. The general policies or strategic directions formulated by
terhadap perubahan lingkungan, baik internal maupun eksternal dan the Bank are made adaptive to internal and external environment
dilakukan dalam perspektif jangka pendek maupun jangka menengah, changes and carried out in a short-term and medium-term
yang dikaji ulang secara berkala minimal setahun sekali. perspective, reviewed periodically at least once a year.
Bank selalu mengevaluasi kinerja bisnis dari waktu ke waktu The Bank always evaluates the business performance from time to
yang disesuaikan dengan perubahan internal maupun eksternal time in accordance with the Bank’s internal and external changes
Bank guna memperkecil risiko stratejik Bank, seperti melakukan to minimize the Bank’s strategic risks, such as taking strategic steps
langkah strategis di tengah ketidakpastian ekonomi dengan in the midst of economic uncertainty by considering and adjusting
mempertimbangkan dan menyesuaikan beberapa aktivitas yang several activities carried out manually or conventionally to the
dilakukan secara manual atau konvensional ke dalam proses digitalization process.
digitalisasi.
Mekanisme untuk Mengukur Kemajuan yang Mechanism to Measure Progress Achieved
Dicapai dari Rencana Bisnis yang Ditetapkan from the Defined Business Plan
Pemantauan dan evaluasi atas pencapaian kinerja keuangan Bank Monitoring and evaluation of the Bank’s financial performance
terhadap target yang telah disusun mendapatkan perhatian penuh achievement against the targets set have received the Bank’s
dari manajemen Bank, yang secara khusus menjadi pembahasan management full attention, which is specifically discussed in
dalam rapat Direksi secara rutin setiap bulan atau antara Dewan the Board of Directors’ meetings regularly on a monthly basis or
Komisaris dengan Direksi. between the Board of Commissioners and the Board o Directors.
Risiko Kepatuhan Compliance Risk
Risiko kepatuhan adalah risiko akibat Bank tidak mematuhi dan/atau Compliance risk is a risk due to the Bank’s failure to comply with
tidak melaksanakan peraturan perundang-undangan dan ketentuan and/or enforce the applicable laws and regulations. Failure to
yang berlaku. Kegagalan dalam mengelola risiko kepatuhan tersebut manage compliance risk may cause the Bank to be subject to
dapat menyebabkan Bank terkena sanksi dan denda dari regulator sanctions and penalties from the regulator, and therefore, affecting
serta berdampak terhadap kelangsungan usaha Bank, sehingga the Bank’s business continuity and governance.
dapat memengaruhi tata kelola Bank.
Risiko kepatuhan dapat bersumber dari perilaku hukum, yaitu perilaku Compliance risk may arise from legal behavior, which is the Bank’s
atau aktivitas Bank yang menyimpang atau melanggar dari ketentuan behavior or activity that deviates from or violates the provisions
dan/atau peraturan perundang-undangan. Sedangkan perilaku and/or laws and regulations. Whereas, organizational behavior is the
organisasi, yaitu perilaku atau aktivitas Bank yang menyimpang atau Bank’s behavior or activity that deviates from or in contrary to the
bertentangan dari standar yang berlaku secara umum. generally accepted standards.
Tujuan utama manajemen risiko untuk risiko kepatuhan adalah untuk The main objective of risk management for compliance risk is
memastikan bahwa proses manajemen risiko dapat meminimalkan to ensure that the risk management process can minimize the
kemungkinan dampak negatif yang menyimpang atau melanggar possibility of negative impacts that deviates or violates the generally
standar dan/atau peraturan dan perundang-undangan yang berlaku. accepted standards and/or laws and regulations.
Struktur Organisasi Manajemen Risiko Organizational Structure of Compliance
Kepatuhan Risk Management
Pengelolaan risiko kepatuhan melibatkan berbagai pihak dalam Compliance management involves various parties within the
Bank melalui penerapan 3 (tiga) lini pertahanan (three lines of Bank through the implementation of three lines of defense which
defense) yang berfungsi sebagai berikut: function as follows:
1. Lini Pertahanan Pertama merupakan Risk Taking Unit atau 1. The First Line of Defense is Risk Taking Unit or business unit
unit bisnis dan/atau fungsi pendukung yang bergerak atau and/or supporting function that operates or supports income-
mendukung aktivitas penghasil pendapatan yang memiliki dan generating activities that own and manage risk;
mengelola risiko;
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Struktur Permodalan dan Manajemen Risiko
Capital Structure and Risk Management
2. Lini Pertahanan Kedua terdiri dari Divisi Compliance, System 2. The Second Line of Defense consists of the Compliance,
Procedure & Customer Protection; Unit AML, CTF & WMD; dan System Procedure & Customer Protection Division; Unit AML,
Divisi Risk Management/Integrated; dan CTF & WMD; and Risk Management/Integrated Division; and
3. Lini Pertahanan Ketiga adalah Divisi SKAI. 3. The Third Line of Defense is SKAI Division.
Penerapan manajemen risiko kepatuhan melibatkan berbagai The implementation of compliance risk management involves
pihak dalam Bank. Organisasi manajemen risiko kepatuhan various parties within the Bank. The compliance risk management
melibatkan pengawasan aktif Dewan Komisaris dan Direksi organization involves active supervision of the Board of
yang berperan mengawasi kebijakan dan pelaksanaan fungsi Commissioners and the Board of Directors whose role is to
kepatuhan dalam pengelolaan risiko kepatuhan serta mewujudkan oversee the policy and implementation of compliance function in
terlaksananya budaya kepatuhan pada semua tingkatan organisasi managing compliance risk and realizing the implementation of a
dan kegiatan usaha Bank. Untuk mendukung pelaksanaan fungsi compliance culture at all levels of the organization and the Bank’s
risiko kepatuhan tersebut, Bank membentuk Komite Implementasi business activities. To support the implementation of compliance
dan Pemantauan GCG. risk function, the Bank established GCG Implementation and
Monitoring Committee.
Strategi Manajemen Risiko dan Efektivitas Risk Management Strategy and Effectiveness of
Penerapan Manajemen Risiko Kepatuhan Compliance Risk Management Implementation
Penerapan manajemen risiko kepatuhan disesuaikan dengan ukuran The implementation of compliance risk management is adjusted to
dan kompleksitas usaha Bank tidak terlepas dari pengawasan aktif the Bank’s business size and complexity, which is inseparable from
Dewan Komisaris dan Direksi dalam merumuskan strategi dengan the active supervision of the Board of Commissioners and Board of
memperhatikan tingkat risiko yang akan diambil dan risiko toleransi Directors in formulating strategies by considering the risk appetite
guna mendorong terciptanya budaya kepatuhan, menetapkan and risk tolerance in order to promote the creation of a compliance
sistem dan prosedur yang akan digunakan untuk penyusunan culture, to establish system and procedure that will be used for the
ketentuan dan pedoman internal Bank, serta melakukan tindakan preparation of the Bank’s internal provisions and guidelines, and to
pencegahan agar kebijakan dan/atau keputusan tidak menyimpang take preventive actions so that the policies and/or decisions do not
dari ketentuan dan perundang-undangan yang berlaku. deviate from the applicable provisions, laws and regulations.
Adapun strategi yang diterapkan Bank dalam penerapan manajemen Strategies implemented by the Bank in implementing compliance
risiko kepatuhan, di antaranya sebagai berikut: risk management include the following:
1. Arahan dari Top Manajemen, Direksi yang dikoordinasikan 1. Direction from the Top Management, Board of Directors
oleh kepatuhan mengembangkan dan mengimplementasikan coordinated by compliance to develop and implement a culture
budaya kepatuhan di dalam organisasi. Kepatuhan merupakan of compliance within the organization. Compliance is part of the
bagian dari Key Performance Indicator Bank dan disosialisasikan Bank’s Key Performance Indicators and is disseminated through
melalui pesan Direktur, pelatihan Bank, dan berbagai Board of Directors’ messages, the Bank’s training, and other
pendekatan lainnya; approaches;
2. Menetapkan program Kode Etik dan kepatuhan, di mana Dewan 2. Establishing Code of Conduct and compliance program, in
dan Manajemen Senior, dan semua staf berbagi rasa tanggung which the Board and Senior Management, and all staff share
jawab untuk melindungi aset reputasi dan keuangan Bank a sense of responsibility to protect the Bank’s reputation and
melalui budaya perilaku etis dan kepatuhan terhadap peraturan financial assets through a culture of ethical behavior and
internal dan eksternal; compliance with internal and external regulations;
3. Membangun Budaya Perusahaan yang berintegritas, yang 3. Establishing a Company Culture with integrity, which is passed
diturunkan dari atas ke bawah. Budaya integritas adalah inti down from the top to the bottom. A culture of integrity is at the
dari program etika dan kepatuhan yang efektif; heart of an effective ethics and compliance program;
4. Penilaian risiko terhadap risiko yang signifikan dan risiko 4. Risk assessment of significant risks and highest concentration
konsentrasi tertinggi dalam organisasi, dan memberikan risks within the organization, and providing basic actions
tindakan dasar yang diperlukan untuk menghindari, memitigasi, required to avoid, mitigate, or remediate such risks;
atau memulihkan risiko tersebut;
5. Program pengujian dan pemantauan yang kuat untuk 5. A robust testing and monitoring program to help ensure an
membantu memastikan lingkungan pengendalian efektif; dan effective control environment; and
6. Tindakan penegakan hukum seperti pemantauan berkelanjutan 6. Enforcement actions such as ongoing monitoring of regulatory
terhadap kewajiban peraturan. obligations.
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Pemantauan dan Pengendalian Risiko Kepatuhan Monitoring and Controlling Compliance Risk
Pemantauan dan pengendalian yang dilakukan dalam manajemen Monitoring and control carried out in compliance risk management
risiko kepatuhan antara lain dengan: include:
1. Melakukan uji kepatuhan untuk memastikan Bank mematuhi 1. Carrying out compliance test to ensure that the Bank complies
ketentuan yang berlaku; with the applicable regulations;
2. Memantau dampak finansial dan non-finansial dari 2. Monitoring financial and non-financial impacts of the Bank’s
ketidakpatuhan Bank terhadap regulasi secara berkala; non-compliance with regulations on a regular basis;
3. Melakukan pemantauan Kepatuhan Bulanan Key Risk Indicator (KRI); 3. Monitoring Monthly Key Risk Indicator (KRI) Compliance;
4. Mewujudkan terlaksananya budaya kepatuhan pada seluruh 4. Achieving the implementation of compliance culture at all of
kegiatan usaha Bank di setiap jenjang organisasi, antara lain the Bank’s business activities at every organizational level,
melalui pelaksanaan sosialisasi dan pelatihan atas ketentuan through dissemination and training on the prevailing rules and
dan aturan yang berlaku, serta memberikan masukan dan saran regulations, and providing input and advice to other units to
kepada unit-unit lain untuk memastikan kepatuhan Bank; ensure the Bank’s compliance;
5. Memberikan nasihat kepatuhan untuk direkomendasikan/ 5. Providing compliance advice to be recommended/implemented
dilaksanakan kepada unit kerja terkait, sehubungan dengan to related units, in connection with compliance and AML
masalah kepatuhan dan AML, penilaian kepatuhan atas tinjauan issues, compliance assessment of credit facility reviews, as
fasilitas kredit, serta penilaian atas permasalahan kepatuhan well as assessment of compliance issues in internal policies/
dalam kebijakan internal/prosedur/produk/aksi korporasi; procedures/products/corporate actions;
6. Menilai dan mengevaluasi kecukupan, dan kesesuaian 6. Assessing and evaluating the adequacy and conformity of the
kebijakan, ketentuan, sistem, maupun prosedur yang dimiliki Bank’s policies, regulations, systems, and procedures against
oleh Bank dengan ketentuan dan peraturan yang berlaku; the applicable provisions and regulations;
7. Memantau atas pelaksanaan prinsip kehati-hatian Bank; 7. Monitoring the implementation of the Bank’s prudential principles;
8. Mengelola risiko kepatuhan, selain dilakukan melalui uji 8. Managing compliance risk, in addition to conducting
kepatuhan, juga dilakukan melalui pemantauan terhadap compliance tests, is also conducted through monitoring on the
pemenuhan komitmen Bank kepada regulator, baik berdasarkan Bank’s commitment to the regulator, either based on regulatory
hasil pemeriksaan regulator maupun melalui korespondensi examination results or through correspondence between the
antara Bank dengan regulator; dan Bank and the regulator; and
9. Penerapan Anti-Pencucian Uang dan Pencegahan Pendanaan 9. Implementing Anti-Money Laundering and Counter-Terrorism
Terorisme di perbankan yang terdiri dari 5 (lima) prinsip utama, yaitu: Funding in banking consisting of 5 (five) main principles, which are:
a. Pengawasan aktif Dewan Komisaris dan Direksi; a. Active monitoring of the Board of Commissioners and
Board of Directors;
b. Kebijakan dan prosedur; b. Policies and procedures;
c. Pengendalian internal; c. Internal control;
d. Sistem informasi manajemen; dan d. Management information system; and
e. Sumber daya manusia dan pelatihan. e. Human resources and training.
Risiko Terkait Iklim Climate-Related Risks
Perkembangan ekonomi global yang pesat serta meningkatnya The rapid development of global economy and the increasing
kesadaran terhadap isu perubahan iklim telah membawa dampak awareness of climate change issues have had a significant impact
signifikan pada industri perbankan. Bank Victoria menghadapi on banking industry. Bank Victoria faces a number of climate-
sejumlah risiko terkait iklim yang dapat memengaruhi stabilitas related risks that can affect its financial stability, reputation, and
keuangan, reputasi, dan kontribusi terhadap perekonomian. contribution to the economy. The government is committed to
Pemerintah berkomitmen untuk menurunkan emisi gas rumah kaca reducing greenhouse gas (GHG) emissions through various policies
(GRK) melalui berbagai kebijakan yang diharapkan berdampak expected to have material impacts on reducing carbon emissions.
material terhadap penurunan emisi karbon. Kebijakan ini akan This policy will affect loans and investments that do not yet meet
berpengaruh terhadap pinjaman dan investasi yang belum memenuhi the net zero emission (NZE) qualifications, particularly in the Bank’s
kualifikasi nett zero emission (NZE), khususnya dalam portofolio financial portfolio related to high-emission industries.
keuangan Bank yang terkait dengan industri penghasil emisi tinggi.
Sebagai langkah awal dalam mendukung dekarbonisasi, Bank As the first step in supporting decarbonization, the Bank needs
perlu mengukur emisi karbon yang terkait dengan portofolio aset to measure carbon emissions associated with its financial asset
keuangannya. Integrasi risiko iklim ke dalam tata kelola, strategi portfolio. Integrating climate risk into governance, business strategy,
bisnis, dan kerangka kerja manajemen risiko menjadi krusial dalam and risk management frameworks is crucial to implementing
penerapan prinsip kehati-hatian dan transisi yang adil (just and fair prudential principle and a just and fair transition for all towards NZE
transition for all) menuju NZE tahun 2050 atau lebih awal. by 2050 or earlier.
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Struktur Permodalan dan Manajemen Risiko
Capital Structure and Risk Management
Untuk menghadapi risiko iklim, Bank mengadopsi berbagai strategi, To address climate risk, the Bank adopts various strategies,
antara lain mengimplementasikan keuangan berkelanjutan dalam including implementing sustainable finance in its business portfolio,
portofolio bisnisnya, melakukan evaluasi risiko iklim secara terpadu conducting integrated climate risk assessment to understand
untuk memahami dampak potensialnya, dan menerapkan skenario its potential impacts, and implementing climate risk stress test
stress test risiko iklim guna mengukur ketahanan terhadap perubahan scenarios to measure the resilience to environmental changes. In
lingkungan. Selain itu, Bank mendukung proyek-proyek hijau dan addition, the Bank supports the green projects and technology
investasi teknologi yang berkontribusi pada mitigasi perubahan iklim. investments that contribute to mitigate climate change.
Bank perlu melakukan mitigasi terhadap risiko iklim yang dapat The Bank needs to mitigate climate risks that can impact banking
berdampak pada sektor perbankan. Risiko tersebut terbagi menjadi sector. These risks are divided into 2 (two) main categories, namely:
2 (dua) kategori utama, yaitu:
1. Risiko transisi, merupakan risiko yang timbul akibat perubahan 1. Transition risk, is the risk that arises due to changes in government
kebijakan pemerintah, kemajuan teknologi, serta dinamika sosial policy, technological advances, and social dynamics towards a
menuju ekonomi rendah karbon, Bank harus menyesuaikan arah low-carbon economy. The Bank has to adjust the direction of its
kebijakan bisnisnya, yang dapat berdampak pada profitabilitas, business policies, which can impact its profitability, reputation,
reputasi, dan nilai aset. and asset value.
2. Risiko fisik, dapat digolongkan menjadi 2 (dua), yaitu risiko 2. Physical risk, can be classified into 2 (two), namely risk due to
akibat perubahan pola iklim dalam jangka panjang, seperti changes in long-term climate patterns, such as rising global
kenaikan suhu global, perubahan pola curah hujan, dan temperatures, changes in rainfall patterns, and rising sea levels.
kenaikan permukaan laut.
Secara umum, dampak perubahan iklim terhadap risiko perbankan In general, the impact of climate change on banking risk is as follows:
sebagai berikut:
1. Risiko kredit, dapat berdampak pada kesehatan keuangan 1. Credit risk, can impact the financial health of debtors, which has
debitur, yang berpotensi menurunkan kemampuan mereka the potential to reduce their ability to meet credit obligations.
dalam memenuhi kewajiban kredit.
Dalam menghitung Expected Credit Loss (ECL), Bank perlu In calculating Expected Credit Loss (ECL), the Bank needs to
menyesuaikan indikator risiko kredit seperti Probability of adjust credit risk indicators such as Probability of Default (PD),
Default (PD), Loss Given Default (LGD), dan Exposure at Default Loss Given Default (LGD), and Exposure at Default (EAD). This
(EAD). Penyesuaian ini dilakukan dengan mempertimbangkan adjustment is made by considering the time period according
jangka waktu yang sesuai dengan dampak risiko iklim baik to the impact of both short-term and long-term climate risks.
jangka pendek maupun jangka panjang. Risiko iklim juga dapat Climate risk can also increase Allowance for Impairment Loss
meningkatkan CKPN atas portofolio Bank, sehingga perlu (CKPN) on the Bank’s portfolio, and thus, adjustments need to
dilakukan penyesuaian dalam perhitungan CKPN. be made in calculating CKPN.
2. Risiko pasar, ketidakpastian terhadap kondisi masa depan, 2. Market risk, uncertainty about future conditions, including
termasuk perubahan cuaca ekstrem, bencana alam, fluktuasi extreme weather changes, natural disasters, economic
ekonomi yang dapat menyebabkan perubahan kebijakan fluctuations that may cause changes in regulatory policies,
regulasi, sentimen investor, serta perkembangan teknologi investor sentiment, and new technology development. These
baru. Hal ini dapat meningkatkan volatilitas pasar keuangan, matters can increase financial market volatility, resulting
sehingga berdampak pada penurunan peringkat kredit, in a decrease in credit rating, asset devaluation, and the
devaluasi aset, serta efektivitas transaksi lindung nilai (hedging) effectiveness of hedging transactions on assets owned by the
terhadap aset yang dimiliki Bank. Bank.
3. Risiko likuiditas, dalam menghadapi risiko terkait iklim, Bank 3. Liquidity risk, in dealing with climate-related risks, can have an
dapat berdampak pada stabilitas pendanaan Bank, termasuk impact on the stability of the Bank’s funding, including greater
arus dana keluar yang lebih besar serta potensi meningkatnya outflow of funds and the potential for increased funding
biaya pendanaan. Bank perlu memastikan kecukupan costs. The Bank needs to ensure adequate liquidity buffers to
penyangga likuiditas (buffer liquidity) untuk mengantisipasi anticipate changes in the business environment due to climate
perubahan lingkungan bisnis akibat dampak iklim. impacts.
4. Risiko operasional, sehubungan dengan risiko terkait iklim, Bank 4. Operational risk, in relation to climate-related risks, the Bank
harus memastikan bahwa kegiatan operasionalnya mampu must ensure that its operational activities are able to adapt to
beradaptasi terhadap risiko iklim, terutama dalam menghadapi climate risk, particularly in dealing with potential disruptions
potensi gangguan akibat perubahan lingkungan. Kemampuan due to environmental changes. The Bank’s resilience after a
Bank untuk pulih dengan cepat (resilience) setelah terjadi climate disruption is very important to maintain its operational
gangguan iklim sangat penting guna menjaga kelangsungan sustainability.
operasional.
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Stress Test Risiko Iklim Climate Risk Stress Test
Stress test atau scenario analysis yang dilakukan Bank Victoria The stress test or scenario analysis conducted by Bank Victoria
terhadap risiko iklim merupakan tinjauan komprehensif mengenai on climate risk is a comprehensive review of how the Bank
bagaimana Bank mengintegrasikan risiko perubahan iklim ke dalam integrates climate change risk into its strategy, governance, and
strategi, tata kelola, dan kerangka kerja manajemen risiko. Secara risk management framework. In general, the results of stress testing
umum, hasil stress testing memberikan gambaran sejauh mana Bank provide an overview of the extent to which the Bank has the policies,
telah memiliki kebijakan, strategi, dan mitigasi risiko yang diperlukan strategies, and risk mitigation required to deal with the impacts of
untuk menghadapi dampak perubahan iklim. climate change.
Salah satu faktor utama dalam stress test atau scenario analysis One main factor in stress test or scenario analysis is the availability
adalah ketersediaan dan akurasi data emisi GRK. Data ini sangat and accuracy of GHG emission data. This data is very important
penting sebagai input utama dalam analisis skenario, khususnya as the main input in scenario analysis, particularly in managing
dalam pengelolaan risiko transisi. Melalui pemantauan emisi transition risks. By monitoring the emissions of financed businesses,
usaha yang dibiayai, baik dari kredit, pinjaman, maupun investasi, including from credit, loans, and investments, the Bank can do the
Bank dapat: following matters:
1. Mengidentifikasi dan mengelola risiko iklim yang mungkin 1. Identify and manage climate risks that may arise due to changes
timbul akibat perubahan regulasi, teknologi, dan sentimen pasar. in regulation, technology, and market sentiment.
2. Menentukan arah pengurangan emisi karbon dalam portofolio 2. Determine the direction of carbon emission reduction in the
keuangan Bank guna mendukung target Net Zero Emission Bank’s financial portfolio to support the Net Zero Emission
(NZE). (NZE) target.
3. Mengintegrasikan dampak perubahan iklim ke dalam 3. Integrate the impact of climate change into risk management,
pengelolaan risiko, guna memastikan ketahanan bisnis Bank to ensure the Bank’s business resilience in facing future
dalam menghadapi tantangan lingkungan dan regulasi di masa environmental and regulatory challenges.
depan.
Evaluasi Terhadap Efektivitas Manajemen Evaluation of Risk Management
Risiko Effectiveness
Divisi Risk Management/Integrated bersama Divisi/Unit terkait The Risk Management/Integrated Division, together with related
secara berkala mengevaluasi implementasi sistem manajemen Divisions/Units, periodically evaluates the implementation of risk
risiko. Evaluasi ini bertujuan untuk mengidentifikasi setiap potensi management system. This evaluation aims to identify any potential
kelemahan dalam pelaksanaan pengendalian internal. Dengan weaknesses in the implementation of internal control. Therefore,
demikian, Bank dapat secara proaktif mengambil langkah-langkah the Bank can proactively take appropriate steps to strengthen the
yang tepat untuk memperkuat strategi pengelolaan risiko, selaras risk management strategy, in line with the latest developments and
dengan perkembangan dan dinamika terbaru Bank. Proses evaluasi dynamics of the Bank. The risk management system evaluation
sistem manajemen risiko memastikan bahwa Bank selalu berada process ensures that the Bank is always on the right track in
di jalur yang tepat dalam menghadapi berbagai tantangan dan facing various challenges and risks that exist, while increasing its
risiko yang ada, sekaligus meningkatkan ketahanan operasional di operational resilience in the ever-changing business environment.
lingkungan bisnis yang terus berubah.
Pernyataan Dewan Komisaris dan Direksi Statement of the Board of Commissioners
Atas Kecukupan Manajemen Risiko and Board of Directors on the Adequacy of
Risk Management
Berdasarkan hasil evaluasi yang dilakukan tahun 2024, Based on the evaluation results conducted in 2024, the Board of
Dewan Komisaris dan Direksi menilai bahwa penerapan sistem Commissioners and Board of Directors considered that the risk
manajemen risiko telah berjalan baik dan efektif. Kinerja positif management system implementation ran properly and effectively.
tersebut ditunjukkan dengan kemampuan penyelesaian berbagai Such positive performance is demonstrated by the Bank’s
risiko yang dihadapi Bank melalui ketepatan prosedur dan langkah ability to resolve various risks faced by the Bank through the
mitigasinya, tanpa menimbulkan dampak negatif lainnya. accuracy of its procedures and mitigation steps, without causing
other negative impacts.
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Struktur Permodalan dan Manajemen Risiko
Capital Structure and Risk Management
Manajemen Risiko Grup Keuangan Victoria
Victoria Financial Group Risk Management
Industri lembaga jasa keuangan memiliki sistem yang kompleks, Financial services institution industry has a complex, dynamic, and
dinamis, dan saling terkait antar sektor, yang meningkatkan interconnected system between sectors, which increases exposure
eksposur terhadap berbagai risiko. Untuk menghadapi tantangan to various risks. To face this challenge, Victoria Financial Group
ini, Grup Keuangan Victoria menerapkan manajemen risiko yang implements a comprehensive and integrated risk management,
komprehensif dan terintegrasi, memastikan seluruh sektor jasa ensuring that all financial services sectors are managed carefully.
keuangan dikelola dengan cermat. Sebagai Entitas Koordinator, As a Coordinating Entity, Bank Victoria plays an important role in
Bank Victoria berperan penting dalam menilai dan mengawasi assessing and supervising the risk management process across all
proses manajemen risiko di seluruh anggota Grup Keuangan members of Victoria Financial Group, by considering the unique
Victoria, dengan mempertimbangkan karakteristik bisnis unik business characteristics of each financial services institution,
dari masing-masing lembaga jasa keuangan, sehingga mampu enabling it to respond effectively to risks as required.
merespons risiko secara efektif sesuai kebutuhan.
Dasar Penerapan Manajemen Risiko Basis of Risk Management Implementation
pada Grup Keuangan Victoria in Victoria Financial Group
Dasar penerapan Manajemen Risiko pada Grup Keuangan Victoria The basis for implementing Risk Management in Victoria
mengacu pada Surat Otoritas Jasa Keuangan No.S-66/ PB.33/2021 Financial Group refers to the Financial Services Authority Letter
tanggal 23 Juni 2021 tentang Perubahan Status Konglomerasi No. S-66/PB.33/2021 dated 23 June 2021 on Changes in Status
Keuangan Grup Victoria menjadi Grup Keuangan Victoria of Victoria Group Financial Conglomeration to Victoria Financial
beserta lampirannya, dan tidak bertentangan dengan ketentuan Group and its attachments, this does not conflict with the provisions
Peraturan Otoritas Jasa Keuangan terkait Konglomerasi Keuangan of Financial Services Authority Regulations regarding Financial
dan Kewajiban Penyediaan Modal Minimum Terintegrasi bagi Conglomeration and Integrated Minimum Capital Adequacy
Konglomerasi Keuangan sepanjang dinyatakan tetap berlaku, Requirement for Financial Conglomeration, as long as it remains
seperti: valid, among others:
1. Peraturan Otoritas Jasa Keuangan No. 17/POJK.03/2014 1. Financial Services Authority Regulation No. 17/POJK.03/2014
tanggal 18 November 2014 tentang Penerapan Manajemen dated 18 November 2014, on Implementation of Integrated Risk
Risiko Terintegrasi bagi Konglomerasi Keuangan; Management for Financial Conglomeration;
2. Peraturan Otoritas Jasa Keuangan No. 18/POJK.03/2014 tanggal 2. Financial Services Authority Regulation No. 18/POJK.03/2014
18 November 2014 tentang Penerapan Tata Kelola Terintegrasi dated 18 November 2014 on Implementation of Integrated
bagi Konglomerasi Keuangan; dan Governance for Financial Conglomeration; and
3. Peraturan Otoritas Jasa Keuangan No. 26/POJK.03/2015 3. Financial Services Authority Regulation No. 26/POJK.03/2015
tanggal 11 Desember 2015 tentang Kewajiban Penyediaan dated 11 December 2015 on Integrated Minimum Capital
Modal Minimum Terintegrasi bagi Konglomerasi Keuangan. Adequacy Requirement for Financial Conglomeration.
Anggota Grup Keuangan Victoria Members of Victoria Financial Group
Lembaga jasa keuangan yang tergabung dalam Grup Keuangan The financial services institutions that are members of the Victoria
Victoria pada tahun 2024 terdiri dari: Financial Group in 2024 consist of:
1. PT Bank Victoria International Tbk (Entitas Koordinator); 1. PT Bank Victoria International Tbk (Coordinating Entity);
2. PT Bank Victoria Syariah; 2. PT Bank Victoria Syariah;
3. PT Victoria Manajemen Investasi; 3. PT Victoria Manajemen Investasi;
4. PT Victoria Sekuritas Indonesia; 4. PT Victoria Sekuritas Indonesia;
5. PT Victoria Insurance Tbk; dan 5. PT Victoria Insurance Tbk; and
6. PT Victoria Alife Indonesia. 6. PT Victoria Alife Indonesia.
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Berdasarkan Surat Otoritas Jasa Keuangan No. S-66/PB.33/2021 Pursuant to the Financial Services Authority Letter
tanggal 23 Juni 2021 perihal Perubahan Status Konglomerasi No. S-66/PB.33/2021 dated 23 June 2021 on Changes in Status
Keuangan Grup Victoria menjadi Grup Keuangan Victoria, Bank of Victoria Group Financial Conglomeration to Victoria Financial
ditunjuk sebagai Entitas Koordinator dalam Grup Keuangan Group, the Bank was appointed as the Coordinating Entity in
Victoria. Oleh karenanya, Bank selaku Entitas Koordinator Victoria Financial Group. Therefore, the Bank as the Coordinating
membentuk organisasi manajemen risiko secara terintegrasi dalam Entity established an integrated risk management organization in
Grup Keuangan Victoria yang terdiri dari Komite Manajemen Risiko Victoria Financial Group, consisting of Integrated Risk Management
Terintegrasi dalam Grup Keuangan Victoria dan Satuan Kerja Committee in Victoria Financial Group and Integrated Risk
Manajemen Risiko Terintegrasi. Management Unit.
Satuan Kerja Manajemen Risiko Terintegrasi melakukan pemantauan The Integrated Risk Management Unit is tasked with monitoring
eksposur risiko pada anggota Grup Keuangan Victoria serta risk exposure of Victoria Financial Group members and providing
memberikan informasi kepada Komite Manajemen Risiko information to the Integrated Risk Management Committee within
Terintegrasi dalam Grup Keuangan Victoria akan hal-hal yang perlu Victoria Financial Group on matters requiring follow up on the
ditindaklanjuti terkait hasil evaluasi dari pemantauan terhadap evaluation results from monitoring integrated risk management
penerapan manajemen risiko secara terintegrasi. implementation.
Penerapan manajemen risiko pada Grup Keuangan Victoria secara The integrated risk management in Victoria Financial Group is
terintegrasi dilakukan melalui pendekatan berdasarkan risiko implemented through a risk-based approach with the following
dengan prinsip-prinsip: principles:
1. Agregasi Risiko 1. Risk Aggregation
Penilaian risiko didasarkan pada risiko yang terdapat dalam Comprehensive risk assessment based on risks found in
Grup Keuangan Victoria secara menyeluruh dengan Victoria Financial Group by considering the arising impact on
memperhatikan dampak yang ditimbulkan terhadap kondisi Victoria Financial Group’s condition.
Grup Keuangan Victoria.
2. Holistik 2. Holistic
Penilaian risiko dilakukan dengan melihat keterkaitan antara Risk assessment performed by looking at the link between one
satu faktor dengan faktor lainnya, sehingga diperoleh factor and another in order to reach a conclusion that gives an
kesimpulan yang memberikan gambaran mengenai risiko Grup overall picture of risks in Victoria Financial Group.
Keuangan Victoria secara keseluruhan.
3. Signifikansi/Materialitas dan Proporsionalitas 3. Significance/Materiality and Proportionality
Penilaian risiko dilakukan dengan memperhatikan signifikansi/ Risk assessment carried out with due regard to the risk
materialitas risiko secara proporsional pada Grup Keuangan significance/materiality in a proportional manner in Victoria
Victoria secara keseluruhan dengan memperhatikan struktur, Financial Group as a whole, by considering the structure,
karakteristik, dan kompleksitas dari Grup Keuangan Victoria. characteristics, and complexity of Victoria Financial Group.
4. Komprehensif dan Terstruktur 4. Comprehensive and Structured
Penilaian risiko dilakukan dengan analisis mendalam dengan Risk assessment carried out in an in-depth analysis by
memperhatikan faktor-faktor penilaian secara luas, lengkap, considering comprehensive, complete, and intact assessment
dan utuh. factors.
Pilar Penerapan Manajemen Risiko Grup Pillars of Integrated Risk Management
Keuangan Victoria secara Terintegrasi Implementation of Victoria Financial Group
Pengawasan Dewan Komisaris dan Direksi Supervision of the Board of Commissioners and
Entitas Koordinator Board of Directors of the Coordinating Entity
Dewan Komisaris dan Direksi Entitas Koordinator memastikan atas The Board of Commissioners and Board of Directors of the
efektivitas penerapan Manajemen Risiko dalam Grup Keuangan Coordinating Entity ensure the effectiveness of Risk Management
Victoria. implementation in Victoria Financial Group.
Selain melaksanakan wewenang dan tanggung jawab dalam rangka Apart from exercising authority and responsibilities in order to
penerapan manajemen risiko Grup Keuangan Victoria, Dewan implement risk management in Victoria Financial Group, the Board
Komisaris dan Direksi Entitas Koordinator juga tetap melaksanakan of Commissioners and Board of Directors of the Coordinating Entity
wewenang dan tanggung jawabnya dalam rangka penerapan also exercise their authority and responsibilities in order to implement
manajemen risiko pada Entitas Koordinator, sesuai dengan risk management in the Coordinating Entity, in accordance with
ketentuan yang berlaku bagi Entitas Koordinator. the provisions applicable to the Coordinating Entity.
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Struktur Permodalan dan Manajemen Risiko
Capital Structure and Risk Management
Kecukupan Kebijakan, Prosedur, Adequacy of Policies, Procedures,
dan Penetapan Limit and Limit
Kebijakan manajemen risiko Grup Keuangan Victoria merupakan Establishment The risk management policies of Victoria Financial
arahan tertulis dalam menerapkan manajemen risiko sesuai Group are written direction in implementing risk management in
dengan karakteristik dan kompleksitas kegiatan dan praktik usaha accordance with the characteristics and complexity of activities
yang sehat. Dalam mendukung efektivitas penerapan manajemen and sound business practices. In supporting the effectiveness of
risiko Grup Keuangan Victoria secara terintegrasi, di mana dalam integrated risk management implementation in Victoria Financial
pelaksanaannya telah dilengkapi dengan Kebijakan Manajemen Group, its implementation has been equipped with Victoria
Risiko Grup Keuangan Victoria yang disesuaikan dengan strategi Financial Group Risk Management Policies that are adjusted to the
manajemen risiko dengan memperhatikan tingkat risiko yang akan risk management strategies by considering the risk appetite and risk
diambil (risk appetite) dan toleransi risiko (risk tolerance) atau limit tolerance or limits. According to Victoria Financial Group’s business
sesuai karakteristik dan kompleksitas usaha Grup Keuangan Victoria. characteristics and complexity.
Kecukupan Proses Identifikasi, Pengukuran, Adequacy of Process of Risk Identification,
Pemantauan dan Pengendalian, serta Sistem Measurement, Monitoring and Control, as well as
Informasi Manajemen Risiko Risk Management Information System
Secara berkesinambungan, Grup Keuangan Victoria terus On an ongoing basis, Victoria Financial Group keeps improving its
menyempurnakan proses manajemen risiko secara komprehensif. risk management process comprehensively. This is intended so
Hal tersebut bertujuan agar informasi yang berpotensi merugikan that information on potential harm in an integrated manner within
secara terintegrasi dalam Grup Keuangan Victoria dapat diketahui Victoria Financial Group can be detected as early as possible, so
sedini mungkin, sehingga dapat mengambil tindakan yang memadai that sufficient actions can be taken to mitigate the risk impact to be
untuk memitigasi dampak risiko seminimal mungkin. as minimum as possible.
Proses identifikasi risiko dilakukan secara proaktif, termasuk dampak Risk identification process is performed pro-actively, including all
yang ditimbulkan. Selanjutnya, dilakukan pengukuran, pemantauan, impacts that may be incurred. Thereafter, all business activities
dan pengendalian terhadap seluruh aktivitas usaha masing-masing of each Victoria Financial Group are measured, monitored,
Grup Keuangan Victoria yang didukung oleh sistem informasi and controlled, with adequate support of risk management
manajemen risiko secara memadai. information system.
Pada proses manajemen risiko Grup Keuangan Victoria secara In the integrated risk management process of Victoria Financial
terintegrasi, seluruh lembaga jasa keuangan di dalam Grup Group, all financial services institutions within Victoria Financial
Keuangan Victoria saling bersinergi dalam melaksanakan aktivitas Group are in synergy in carrying out business activities/transactions
bisnis/transaksi dengan tetap mengacu kepada prinsip arm length by still referring to the principle of arm length and risk-based
dan pengelolaan yang berbasis risiko. management.
Sistem Pengendalian Internal Terhadap Internal Control System on Integrated Risk
Penerapan Manajemen Risiko Terintegrasi Management Implementation
Melalui fungsi pengendalian internal, Grup Keuangan Victoria Through internal control function, Victoria Financial Group always
senantiasa melakukan upaya-upaya untuk mengelola dan makes efforts to manage and control the risks. In order to implement
mengendalikan risiko. Dalam rangka melaksanakan pengendalian risk control, the Coordinating Entity ensures that the financial group
risiko, Entitas Koordinator memastikan grup keuangan memiliki has a risk-based approach method to control risks for risks that may
metode risk base approach untuk mengendalikan risiko atas risiko endanger the financial group’s business continuity.
yang dapat membahayakan kelangsungan usaha grup keuangan.
Secara umum, pengendalian internal terdiri dari serangkaian prosedur In general, internal control consists of a set of procedures or
atau proses yang memastikan organisasi tetap pada jalurnya untuk processes that ensure the organization stays on track to achieve its
mencapai tujuan yang ditetapkan. Adapun proses pengendalian stated objectives. The operational activity control process of each
aktivitas operasional masing-masing Grup Keuangan Victoria dilakukan member of Victoria Financial Group is carried out through control
melalui tindakan-tindakan pengendalian pada setiap tindakan dalam activities in every action within the organization structure. This is
struktur organisasi. Hal tersebut bertujuan untuk memastikan: carried out with intention to ensure:
1. Kepatuhan terhadap kebijakan atau ketentuan internal serta 1. Compliance with internal policies and provisions, and the
peraturan perundang-undangan yang berlaku; applicable laws and regulations;
2. Tersedianya informasi keuangan dan manajemen yang lengkap, 2. The availability of financial and management information that is
akurat, tepat guna, dan tepat waktu; dan complete, accurate, appropriate, and timely; and
3. Efektivitas budaya risiko (risk culture) pada organisasi grup 3. The effectiveness of risk culture in the financial group
keuangan secara menyeluruh. organization in overall.
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Penjelasan di atas tertuang dalam Surat Keputusan Direksi The aforementioned explanation is contained in the Board of Directors’
No. 003/SK-DIR/08/21 tanggal 20 Agustus 2021 tentang Kebijakan Decision Letter No. 003/SK-DIR/08/21 dated 20 August 2021 on
dan Pedoman Umum Manajemen Risiko Grup Keuangan Victoria. Risk Management Policies and General Guidelines of Victoria
Financial Group.
Struktur Organisasi dan Keanggotaan Organizational Structure and Composition of
Manajemen Risiko Grup Keuangan Victoria Victoria Financial Group Risk Management
Terkait dengan penerapan manajemen risiko terintegrasi dalam In relation to the integrated risk management implementation within
Grup Keuangan Victoria, maka Entitas Koordinator telah membentuk: Victoria Financial Group, the Coordinating Entity has established:
1. Komite Manajemen Risiko Terintegrasi dalam Grup Keuangan 1. Integrated Risk Management Committee within Victoria
Victoria; dan Financial Group; and
2. Satuan Kerja Manajemen Risiko Terintegrasi. 2. Integrated Risk Management Work Unit.
Komite Manajemen Risiko Terintegrasi Integrated Risk Management Committee
dalam Grup Keuangan Victoria in Victoria Financial Group
Informasi lengkap terkait Komite Manajemen Risiko Terintegrasi Complete information regarding the Integrated Risk Management
dalam Grup Keuangan Victoria telah disampaikan bab Tata Kelola Committee in Victoria Financial Group is presented in the Corporate
Perusahaan pada Laporan Tahunan ini. Governance chapter of this Annual Report.
Satuan Kerja Manajemen Risiko Terintegrasi Integrated Risk Management Work Unit
Satuan Kerja Manajemen Risiko Terintegrasi merupakan pejabat The Integrated Risk Management Work Unit is the executive officer
eksekutif yang berada satu tingkat di bawah Direksi yang memimpin of one level below the Board of Director, who is in charge of an
satuan kerja operasional dan/atau fungsi/satuan kerja manajemen operational work unit and/or risk management function/work unit.
risiko. Pada Entitas Koordinator, Risk Management/Integrated In the Coordinator Entity, the Risk Management/Integrated Division
Division dipimpin oleh seorang Kepala Divisi yang bertanggung is led by a Division Head who is directly responsible to the Director
jawab langsung kepada Direktur Kepatuhan dan Manajemen Risiko. of Compliance and Risk Management.
Satuan Kerja Manajemen Risiko Terintegrasi merupakan satuan kerja The Integrated Risk Management Work Unit Is an independent
independen yang terpisah dengan satuan kerja yang melaksanakan work unit separated from the work unit performing the internal
fungsi pengendalian internal dan Satuan Kerja Operasional pada control function and Operational Work Unit (risk taking unit) in each
setiap anggota Grup Keuangan Victoria. Selain itu, dalam penerapan member of Victoria Group financial conglomeration. Furthermore,
manajemen risiko secara terintegrasi dalam Grup Keuangan Victoria implementation of integrated risk management shall be free from
harus bebas dari benturan kepentingan antara anggota Grup conflict of interest among members of Victoria Group financial
Keuangan Victoria dengan Entitas Koordinator. conglomeration and the Main Entity.
Untuk memastikan efektivitas dan kecukupan sistem manajemen To ensure the effectiveness and adequacy of the integrated
risiko terintegrasi, Satuan Kerja Manajemen Risiko Terintegrasi risk management system, the Integrated Risk Management
secara berkesinambungan terus melakukan pengelolaan risiko dan Unit continuously manages the risk by conducting periodic
peninjauan ulang secara berkala. reassessment.
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Pengungkapan Kualitas Kredit Atas Aset (CR1)
Disclosure of Credit Quality over Asset (CR1)
342
1) Bank secara Individual / Bank Individually
(dalam juta Rupiah / in million Rupiah)
Nilai Tercatat Bruto
CKPN
Gross Carrying Amount CKPN
Nilai Bersih
Tagihan yang (Pendekatan
Tagihan yang Stage 2 dan (a+b-c)
No. Deskripsi Belum Jatuh CKPN IRB) Description
Telah Jatuh Stage 3 Net Value
Tempo Stage 1 CKPN
Tempo Stage 2 and (a+b-c)
Not Due (IRB Approach)
Due Receivables Stage 3
Receivables
a b c d e f g
1. Kredit 616,032 20,178,731 446,966 368,906 78,060 20,347,798 Credit
2. Surat Berharga - 7,463,989 1,266 - 1,266 7,462,723 Marketable Securities
Transaksi Rekening Administrative Account
3. - 691,418 - - - 691,418
Administratif Transaction
4. Total 616,032 28,334,139 448,232 368,906 79,326 28,501,939 Total
2) Pengungkapan Tambahan / Additional Disclosure
Capital Structure and Risk Management
1. Tagihan yang Telah Jatuh Tempo merupakan seluruh tagihan yang telah jatuh tempo lebih dari 90 hari, baik atas pembayaran pokok dan/atau pembayaran bunga, atau tagihan kepada debitur wanprestasi.
2. Bank tidak memiliki eksposur kualitas kredit atas aset secara konsolidasi karena berdasarkan Surat Otoritas Jasa Keuangan No. S-301/PB.101/2022 Perihal Penyampaian Keputusan Izin Pengambilalihan Saham
PT Bank Victoria Syariah oleh PT Victoria Investama Tbk dan Surat Direksi No. 133/DIR-EKS/12/22 Perihal Laporan Pelaksanaan Divestasi atas Inisiatif Sendiri PT Bank Victoria International Tbk (Bank), maka dengan
Struktur Permodalan dan Manajemen Risiko
demikian PT Bank Victoria Syariah tidak lagi menjadi Entitas Anak PT Bank Victoria International Tbk.
1. Matured Receivable is all bill that has been overdue more than 90 days, either on the payments of principal and/or interest; or bills to defaulting debtors.
2. The Bank does not have credit quality exposure on assets on a consolidated basis due to based on Financial Services Authority Letter No. S-301/PB.101/2022 on Submission of the Decision on Permit to the Acquisition of
PT Bank Victoria Syariah’s Shares by PT Victoria Investama Tbk and Board of Directors’ Decision Letter No. 113/DIR-EKS/12/22 on the Divestment Implementation Report on PT Bank Victoria International Tbk’s (Bank)
Self Initiative, therefore, PT Bank Victoria Syariah is no longer a subsidiary of PT Bank Victoria International Tbk.
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Pengungkapan Mutasi Kredit dan Surat Berharga yang Telah Jatuh Tempo (CR2)
Disclosure of Changes in Due Loans and Securities (CR2)
1) Bank secara Individual / Bank Individually
(dalam juta Rupiah / in million Rupiah)
No. Deskripsi 2024 Description
1. Kredit dan Surat Berharga yang Telah Jatuh Tempo pada Periode Pelaporan Terakhir 678,097 Due loans and securities on Last Reporting Period
2. Kredit dan Surat Berharga yang Telah Jatuh Tempo sejak Periode Pelaporan Terakhir 203,817 Due Loans and Securities Since Last Reporting Period
3. Kredit dan Surat Berharga yang Kembali Menjadi Tagihan yang Belum Jatuh Tempo 63,374 Not Due Loans and Securities that Return to Receivables
4. Nilai Hapus Buku 121,033 Write-off Value
5. Perubahan Lain (81,474) Other Changes
6. Kredit dan Surat Berharga yang Telah Jatuh Tempo pada Akhir Periode Pelaporan (1+2-3-4+5) 616,032 Due Loans and Securities on Last Reporting Period (1+2-3-4+5)
2) Pengungkapan Tambahan / Additional Disclosure
Bank tidak memiliki eksposur mutasi kredit dan surat berharga yang telah jatuh tempo secara konsolidasi karena berdasarkan Surat Otoritas Jasa Keuangan No. S-301/PB.101/2022 Perihal Penyampaian Keputusan Izin
Pengambilalihan Saham PT Bank Victoria Syariah oleh PT Victoria Investama Tbk dan Surat Direksi No. 133/DIR-EKS/12/22 Perihal Laporan Pelaksanaan Divestasi Atas Inisiatif Sendiri PT Bank Victoria International Tbk
(Bank), maka dengan demikian PT Bank Victoria Syariah tidak lagi menjadi entitas anak PT Bank Victoria International Tbk.
The Bank does not have exposure to changes in due loans and securities on a consolidated basis due to based on Financial Services Authority Letter No. S-301/PB.101/2022 on Submission of the Decision on Permit
to the Acquisition of PT Bank Victoria Syariah’s Shares by PT Victoria Investama Tbk and Board of Directors’ Decision Letter No. 113/DIR-EKS/12/22 on the Divestment Implementation Report on PT Bank Victoria
International Tbk’s (Bank) Self Initiative, therefore, PT Bank Victoria Syariah is no longer a subsidiary of PT Bank Victoria International Tbk.
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Tabel Pengungkapan Tagihan Bersih Berdasarkan Wilayah
Table of Disclosure of Net Receivables by Area
344
1) Bank secara Individual / Bank Individually
(dalam juta Rupiah / in million Rupiah)
31 Desember 2024
31 December 2024
Tagihan Bersih Berdasarkan Wilayah
Net Receivables by Region
No. Kategori Portofolio Portfolio Category
Zona Indonesia Zona Indonesia Zona Indonesia Di Luar Indonesia
Barat (Wilayah 1) Tengah (Wilayah 2) Timur (Wilayah 3) (Wilayah 4)
Total
Indonesia Zone Indonesia Zone Indonesia Zone Outside Indonesia
West (Zone 1) Center (Zone 2) East (Zone 3) (Zone 4)
(1) (2) (3) (4) (5) (6) (7)
1. Tagihan kepada Pemerintah 7,295,086 - - - 7,295,086 Receivables from Government
2. Tagihan kepada Entitas Sektor Publik 1,150,922 - - - 1,150,922 Receivables from Public Sector Entities
Tagihan kepada Bank Pembangunan Receivables from Multilateral Development
3. 2,523 - - - 2,523
Multilateral dan Lembaga Internasional Banks and International Institutions
4. Tagihan kepada Bank 256,994 4,374 - 37,884 299,252 Receivables from Banks
5. Tagihan berupa Covered Bond - - - - - Receivables in the form of Covered Bond
Tagihan kepada Perusahaan Efek dan Receivables from Securities Companies
Capital Structure and Risk Management
6. 3,719,629 - - - 3,719,629
Lembaga Jasa Keuangan Lainnya and Other Financial Services Institutions
Tagihan berupa Surat Berharga/Piutang Receivables in the form of Subordinated
7. Subordinasi, Ekuitas, dan Instrumen 219,934 - - - 219,934 Securities/Receivables, Equity,
Struktur Permodalan dan Manajemen Risiko
Modal Lainnya and Other Capital Instruments
8. Kredit Beragunan Rumah Tinggal 148,951 1,607 - - 150,558 Residential Property Collateralized Loans
9. Kredit Beragunan Properti Komersial 3,459,718 44,986 - - 3,504,704 Commercial Property Collateralized Loans
Kredit untuk Pengadaan Tanah, Loan by Land Acquisition,
10.
PT Bank Victoria International Tbk | Laporan Tahunan dan Keberlanjutan 2024 Annual and Sustainability Report
- - - - -
Pengolahan Tanah, dan Konstruksi Land Processing, and Construction
11. Kredit Pegawai/Pensiunan - - - - - Employee/Retirement Loans
Tagihan kepada Usaha Mikro, Receivables from Microbusiness,
12. 2,570,289 171,326 10,983 - 2,752,599
Usaha Kecil, dan Portofolio Ritel Small Business, and Retail Portfolio
13. Tagihan kepada Korporasi 10,863,608 1,054,741 76,589 - 11,994,937 Receivables from Corporations
14. Tagihan yang Telah Jatuh Tempo 321,962 123,189 - - 445,151 Due Receivables
15. Aset Lainnya 1,043,860 - - - 1,043,860 Other Assets
Total 31,053,477 1,400,222 87,572 37,884 32,579,154 Total
Page 347
(dalam juta Rupiah / in million Rupiah)
31 Desember 2023
31 December 2023
Tagihan Bersih Berdasarkan Wilayah
Net Receivables by Region
No. Kategori Portofolio Portfolio Category
Zona Indonesia Zona Indonesia Zona Indonesia Di Luar Indonesia
Barat (Wilayah 1) Tengah (Wilayah 2) Timur (Wilayah 3) (Wilayah 4)
Total
Indonesia Zone Indonesia Zone Indonesia Zone Outside Indonesia
West (Zone 1) Center (Zone 2) East (Zone 3) (Zone 4)
(1) (2) (3) (4) (5) (6) (7)
1. Tagihan kepada Pemerintah 6,111,398 - - - 6,111,398 Receivables from Government
2. Tagihan kepada Entitas Sektor Publik 958,467 - - - 958,467 Receivables from Public Sector Entities
Tagihan kepada Bank Pembangunan Receivables from Multilateral Development
3. 53,157 - - - 53,157
Multilateral dan Lembaga Internasional Banks and International Institutions
4. Tagihan kepada Bank 2,182,723 - 106,469 66 2,289,258 Receivables from Banks
5. Tagihan berupa Covered Bond - - - - - Receivables in the form of Covered Bond
Tagihan kepada Perusahaan Efek dan Receivables from Securities Companies
6. 3,564,372 - - - 3,564,372
Lembaga Jasa Keuangan Lainnya and Other Financial Services Institutions
Tagihan berupa Surat Berharga/Piutang Receivables in the form of Subordinated
7. Subordinasi, Ekuitas, dan Instrumen 215,931 - - - 215,931 Securities/Receivables, Equity,
Modal Lainnya and Other Capital Instruments
8. Kredit Beragunan Rumah Tinggal 146,380 4,488 - - 150,868 Residential Property Collateralized Loans
9. Kredit Beragunan Properti Komersial 3,119,832 30,157 - - 3,149,989 Commercial Property Collateralized Loans
Kredit untuk Pengadaan Tanah, Loan by Land Acquisition,
10. - - - - -
Pengolahan Tanah, dan Konstruksi Land Processing, and Construction
11. Kredit Pegawai/Pensiunan - - - - - Employee/Retirement Loans
Tagihan kepada Usaha Mikro, Receivables from Microbusiness,
12. 2,450,260 257,540 9,601 - 2,717,400
Usaha Kecil, dan Portofolio Ritel Small Business, and Retail Portfolio
13. Tagihan kepada Korporasi 9,270,754 772,052 61,554 - 10,104,360 Receivables from Corporations
14. Tagihan yang Telah Jatuh Tempo 546,949 38,771 - - 585,719 Due Receivables
15. Aset Lainnya 1,183,389 - - - 1,183,389 Other Assets
Total 29,803,611 1,103,007 177,624 66 31,084,309 Total
*) Berdasarkan Surat Otoritas Jasa Keuangan No. S-301/PB.101/2022 Perihal Penyampaian Keputusan Izin Pengambilalihan Saham PT Bank Victoria Syariah oleh PT Victoria Investama Tbk dan Surat Direksi No. 133/DIR-EKS/12/22 Perihal Laporan Pelaksanaan Divestasi
atas Inisiatif Sendiri PT Bank Victoria International Tbk (Bank), maka dengan demikian PT Bank Victoria Syariah tidak lagi menjadi Entitas Anak PT Bank Victoria International Tbk.
Laporan Tahunan dan Keberlanjutan 2024 Annual and Sustainability Report | PT Bank Victoria International Tbk
Based on Financial Services Authority Letter No. S-301/PB.101/2022 on Submission of the Decision on Permit to the Acquisition of PT Bank Victoria Syariah’s Shares by PT Victoria Investama Tbk and Board of Directors’ Decision Letter No. 113/DIR-EKS/12/22 on
the Divestment Implementation Report on PT Bank Victoria International Tbk’s (Bank) Self Initiative, therefore, PT Bank Victoria Syariah is no longer a subsidiary of PT Bank Victoria International Tbk.
345
Page 348
Tabel Pengungkapan Tagihan Bersih Berdasarkan Sektor Ekonomi - Bank secara Individual
Table of Disclosure of Net Receivables by Economic Sector – Bank Individually
346
(dalam juta Rupiah / in million Rupiah)
Tagihan
Tagihan berupa
kepada
Tagihan Surat Berharga/
Perusahaan Kredit untuk
kepada Bank Piutang
Efek dan Pengadaan Tagihan kepada
Tagihan Pembangunan Subordinasi,
Tagihan Lembaga Kredit Kredit Tanah, Usaha Mikro,
kepada Multilateral Ekuitas, dan
Tagihan berupa Jasa Beragunan Beragunan Pengelolaan Kredit Usaha Kecil, dan Tagihan
Entitas dan Lembaga Tagihan Instrumen Tagihan yang
Sektor kepada Covered Keuangan Rumah Properti Tanah, dan Pegawai/ Portofolio Ritel kepada Aset
Sektor Internasional kepada Modal Lainnya Telah Jatuh
Ekonomi Pemerintah Bond Lainnya Tinggal Komersial Konstruksi Pensiun Receivables Korporasi Lainnya
No. Publik Receivables Bank Receivables Tempo
Economic Receivables Receivables Receivables Residential Commercial Loan by Land Employee/ from Receivables Other
Receivables from Receivables in the form of Due
Sector from in the form from Property Property Acquisition, Retirement Microbusiness, from Assets
from Public Multilateral from Banks Subordinated Receivables
Government of Covered Securities Collateralized Collateralized Land Loans Small Business, Corporations
Sector Development Securities/
Bond Companies Loans Loans Processing, and Retail
Entities Banks and Receivables,
and Other and Portfolio
International Equity and
Financial Construction
Institutions Other Capital
Services
Instruments
Institutions
(1) (2) (3) (4) (5) (6) (7) (8) (9) (10) (11) (12) (13) (14) (15) (16) (17)
31 DESEMBER 2024
31 DECEMBER 2024
Pertanian,
Kehutanan, dan
Perikanan
1. - - - - - - - - 147,427 396,235 2,517 -
Agriculture,
Forestry, and
Fisheries
Capital Structure and Risk Management
Pertambangan
dan Penggalian
2. Mining and - - - - - - - - 136,843 863,176 - -
Struktur Permodalan dan Manajemen Risiko
Extractive
Industries
Industri
pengolahan
3. - - - - - - - - 414,323 2,761,689 21,033 -
Processing
Industry
PT Bank Victoria International Tbk | Laporan Tahunan dan Keberlanjutan 2024 Annual and Sustainability Report
Pengadaan
Listrik, Gas, Uap/
Air Panas dan
Udara Dingin
4. Procurement - - - - - - - - 62,809 33,830 - -
of Electricity,
Gas, Steam/
Hot Water, and
Cold Air
Page 349
Tagihan
Tagihan berupa
kepada
Tagihan Surat Berharga/
Perusahaan Kredit untuk
kepada Bank Piutang
Efek dan Pengadaan Tagihan kepada
Tagihan Pembangunan Subordinasi,
Tagihan Lembaga Kredit Kredit Tanah, Usaha Mikro,
kepada Multilateral Ekuitas, dan
Tagihan berupa Jasa Beragunan Beragunan Pengelolaan Kredit Usaha Kecil, dan Tagihan
Entitas dan Lembaga Tagihan Instrumen Tagihan yang
Sektor kepada Covered Keuangan Rumah Properti Tanah, dan Pegawai/ Portofolio Ritel kepada Aset
Sektor Internasional kepada Modal Lainnya Telah Jatuh
Ekonomi Pemerintah Bond Lainnya Tinggal Komersial Konstruksi Pensiun Receivables Korporasi Lainnya
No. Publik Receivables Bank Receivables Tempo
Economic Receivables Receivables Receivables Residential Commercial Loan by Land Employee/ from Receivables Other
Receivables from Receivables in the form of Due
Sector from in the form from Property Property Acquisition, Retirement Microbusiness, from Assets
from Public Multilateral from Banks Subordinated Receivables
Government of Covered Securities Collateralized Collateralized Land Loans Small Business, Corporations
Sector Development Securities/
Bond Companies Loans Loans Processing, and Retail
Entities Banks and Receivables,
and Other and Portfolio
International Equity and
Financial Construction
Institutions Other Capital
Services
Instruments
Institutions
(1) (2) (3) (4) (5) (6) (7) (8) (9) (10) (11) (12) (13) (14) (15) (16) (17)
Pengelolaan Air,
Pengelolaan
Air Limbah,
Pengelolaan
dan Daur Ulang
Sampah
5. Water - - - - - - - - 29,955 875 - -
Management,
Waste Water
Management,
Waste
Management
and Recycle
Konstruksi
6. - - - - - - 1,138,433 - - 56,353 4,545 -
Construction
Perdagangan
Besar dan Eceran;
Reparasi dan
Perawatan Mobil
dan Sepeda
7. Motor - - - - - - - - 1,148,414 2,605,047 24,738 -
Wholesale and
Retail Trade; Car
and Motorcycle
Repair and
Maintenance
Pengangkutan
dan Pergudangan
8. - - - - - - - - 238,787 380,998 - -
Transportation
and Warehousing
Laporan Tahunan dan Keberlanjutan 2024 Annual and Sustainability Report | PT Bank Victoria International Tbk
347
Page 350
(dalam juta Rupiah / in million Rupiah)
348
Tagihan
Tagihan berupa
kepada
Tagihan Surat Berharga/
Perusahaan Kredit untuk
kepada Bank Piutang
Efek dan Pengadaan Tagihan kepada
Tagihan Pembangunan Subordinasi,
Tagihan Lembaga Kredit Kredit Tanah, Usaha Mikro,
kepada Multilateral Ekuitas, dan
Tagihan berupa Jasa Beragunan Beragunan Pengelolaan Kredit Usaha Kecil, dan Tagihan
Entitas dan Lembaga Tagihan Instrumen Tagihan yang
Sektor kepada Covered Keuangan Rumah Properti Tanah, dan Pegawai/ Portofolio Ritel kepada Aset
Sektor Internasional kepada Modal Lainnya Telah Jatuh
Ekonomi Pemerintah Bond Lainnya Tinggal Komersial Konstruksi Pensiun Receivables Korporasi Lainnya
No. Publik Receivables Bank Receivables Tempo
Economic Receivables Receivables Receivables Residential Commercial Loan by Land Employee/ from Receivables Other
Receivables from Receivables in the form of Due
Sector from in the form from Property Property Acquisition, Retirement Microbusiness, from Assets
from Public Multilateral from Banks Subordinated Receivables
Government of Covered Securities Collateralized Collateralized Land Loans Small Business, Corporations
Sector Development Securities/
Bond Companies Loans Loans Processing, and Retail
Entities Banks and Receivables,
and Other and Portfolio
International Equity and
Financial Construction
Institutions Other Capital
Services
Instruments
Institutions
(1) (2) (3) (4) (5) (6) (7) (8) (9) (10) (11) (12) (13) (14) (15) (16) (17)
Penyediaan
Akomodasi dan
Penyediaan
Makan Minum
9. - - - - - - 43,703 - 89,668 566,245 96,989 -
Provision of
Accomodation
and Foods &
Beverages
Informasi dan
Komunikasi
10. - - - - - - - - 72,665 208,776 34,415 -
Information and
Capital Structure and Risk Management
Communication
Aktivitas
Keuangan dan
Struktur Permodalan dan Manajemen Risiko
Asuransi
11. 7,295,086 1,137,374 2,523 299,252 3,719,629 219,934 - - - 230,934 2,828,407 - -
Financial and
Insurance
Activities
Real Estate
12. - 8,542 - - - - 2,313,776 - - - 250,675 -
Real Estate
PT Bank Victoria International Tbk | Laporan Tahunan dan Keberlanjutan 2024 Annual and Sustainability Report
Aktivitas Profesi,
Ilmiah, dan
Teknis
13. Professional, - - - - - - 8,792 - 34,550 496,295 556 -
Scientific,
and Technical
Activities
Page 351
Tagihan
Tagihan berupa
kepada
Tagihan Surat Berharga/
Perusahaan Kredit untuk
kepada Bank Piutang
Efek dan Pengadaan Tagihan kepada
Tagihan Pembangunan Subordinasi,
Tagihan Lembaga Kredit Kredit Tanah, Usaha Mikro,
kepada Multilateral Ekuitas, dan
Tagihan berupa Jasa Beragunan Beragunan Pengelolaan Kredit Usaha Kecil, dan Tagihan
Entitas dan Lembaga Tagihan Instrumen Tagihan yang
Sektor kepada Covered Keuangan Rumah Properti Tanah, dan Pegawai/ Portofolio Ritel kepada Aset
Sektor Internasional kepada Modal Lainnya Telah Jatuh
Ekonomi Pemerintah Bond Lainnya Tinggal Komersial Konstruksi Pensiun Receivables Korporasi Lainnya
No. Publik Receivables Bank Receivables Tempo
Economic Receivables Receivables Receivables Residential Commercial Loan by Land Employee/ from Receivables Other
Receivables from Receivables in the form of Due
Sector from in the form from Property Property Acquisition, Retirement Microbusiness, from Assets
from Public Multilateral from Banks Subordinated Receivables
Government of Covered Securities Collateralized Collateralized Land Loans Small Business, Corporations
Sector Development Securities/
Bond Companies Loans Loans Processing, and Retail
Entities Banks and Receivables,
and Other and Portfolio
International Equity and
Financial Construction
Institutions Other Capital
Services
Instruments
Institutions
(1) (2) (3) (4) (5) (6) (7) (8) (9) (10) (11) (12) (13) (14) (15) (16) (17)
Aktivitas
Penyewaan
dan Sewa Guna
Usaha Tanpa
Hak Opsi,
Ketenagakerjaan,
Agen Perjalanan,
dan Penunjang
Usaha Lainnya
14. - 5,006 - - - - - - 75,890 505,031 935 -
Leasing and
Leasing
Activities without
Option Rights,
Employment,
Travel Agencies,
and Other
Business
Supports
Administrasi
Pemerintahan,
Pertahanan, dan
Jaminan Sosial
Wajib
15. - - - - - - - - - - - -
Government
Administration,
Land Business
and Mandatory
Social Service
Pendidikan
16. - - - - - - - - 32,630 80,513 1,488 -
Education
Aktivitas
Kesehatan
Laporan Tahunan dan Keberlanjutan 2024 Annual and Sustainability Report | PT Bank Victoria International Tbk
Manusia dan
17. Aktivitas Sosial - - - - - - - - 5,551 114,715 - -
Human Health
Activities and
349
Social Activities
Page 352
(dalam juta Rupiah / in million Rupiah)
Tagihan
350
Tagihan berupa
kepada
Tagihan Surat Berharga/
Perusahaan Kredit untuk
kepada Bank Piutang
Efek dan Pengadaan Tagihan kepada
Tagihan Pembangunan Subordinasi,
Tagihan Lembaga Kredit Kredit Tanah, Usaha Mikro,
kepada Multilateral Ekuitas, dan
Tagihan berupa Jasa Beragunan Beragunan Pengelolaan Kredit Usaha Kecil, dan Tagihan
Entitas dan Lembaga Tagihan Instrumen Tagihan yang
Sektor kepada Covered Keuangan Rumah Properti Tanah, dan Pegawai/ Portofolio Ritel kepada Aset
Sektor Internasional kepada Modal Lainnya Telah Jatuh
Ekonomi Pemerintah Bond Lainnya Tinggal Komersial Konstruksi Pensiun Receivables Korporasi Lainnya
No. Publik Receivables Bank Receivables Tempo
Economic Receivables Receivables Receivables Residential Commercial Loan by Land Employee/ from Receivables Other
Receivables from Receivables in the form of Due
Sector from in the form from Property Property Acquisition, Retirement Microbusiness, from Assets
from Public Multilateral from Banks Subordinated Receivables
Government of Covered Securities Collateralized Collateralized Land Loans Small Business, Corporations
Sector Development Securities/
Bond Companies Loans Loans Processing, and Retail
Entities Banks and Receivables,
and Other and Portfolio
International Equity and
Financial Construction
Institutions Other Capital
Services
Instruments
Institutions
(1) (2) (3) (4) (5) (6) (7) (8) (9) (10) (11) (12) (13) (14) (15) (16) (17)
Kesenian,
Hiburan, dan
Rekreasi
18. - - - - - - - - 32,053 24,987 - -
Arts,
Entertainment,
and Recreation
Aktivitas Jasa
Lainnya
19. - - - - - - - - - - - -
Other Services
Activities
Aktivitas Rumah
Capital Structure and Risk Management
Tangga sebagai
Pemberi Kerja;
Aktivitas yang
Menghasilkan
Struktur Permodalan dan Manajemen Risiko
Barang dan Jasa
oleh Rumah
Tangga yang
Digunakan untuk
Memenuhi
20. Kebutuhan - - - - - - - - 100 - - -
PT Bank Victoria International Tbk | Laporan Tahunan dan Keberlanjutan 2024 Annual and Sustainability Report
Sendiri
Household
Activities as
an Employer;
Activities that
Produce Goods
and Services by
Households that
are Used to Meet
Their Own Needs
Page 353
Tagihan
Tagihan berupa
kepada
Tagihan Surat Berharga/
Perusahaan Kredit untuk
kepada Bank Piutang
Efek dan Pengadaan Tagihan kepada
Tagihan Pembangunan Subordinasi,
Tagihan Lembaga Kredit Kredit Tanah, Usaha Mikro,
kepada Multilateral Ekuitas, dan
Tagihan berupa Jasa Beragunan Beragunan Pengelolaan Kredit Usaha Kecil, dan Tagihan
Entitas dan Lembaga Tagihan Instrumen Tagihan yang
Sektor kepada Covered Keuangan Rumah Properti Tanah, dan Pegawai/ Portofolio Ritel kepada Aset
Sektor Internasional kepada Modal Lainnya Telah Jatuh
Ekonomi Pemerintah Bond Lainnya Tinggal Komersial Konstruksi Pensiun Receivables Korporasi Lainnya
No. Publik Receivables Bank Receivables Tempo
Economic Receivables Receivables Receivables Residential Commercial Loan by Land Employee/ from Receivables Other
Receivables from Receivables in the form of Due
Sector from in the form from Property Property Acquisition, Retirement Microbusiness, from Assets
from Public Multilateral from Banks Subordinated Receivables
Government of Covered Securities Collateralized Collateralized Land Loans Small Business, Corporations
Sector Development Securities/
Bond Companies Loans Loans Processing, and Retail
Entities Banks and Receivables,
and Other and Portfolio
International Equity and
Financial Construction
Institutions Other Capital
Services
Instruments
Institutions
(1) (2) (3) (4) (5) (6) (7) (8) (9) (10) (11) (12) (13) (14) (15) (16) (17)
Aktivitas Badan
Internasional dan
Badan Ekstra
Internasional
Lainnya
21. International - - - - - - - - - - - -
Organizations
and Other Extra
International
Organizations
Activities
Rumah Tangga
22. - - - - - -
Household
Bukan Lapangan
23. Usaha - - - - - 150,558 - - - 71,765 7,258 -
Non-Business
Lainnya
24. - - - - - - - - - - - 1,043,860
Others
Total 7,295,086 1,150,922 2,523 299,252 - 3,719,629 219,934 150,558 3,504,704 - 2,752,599 11,994,937 445,151 1,043,860
Laporan Tahunan dan Keberlanjutan 2024 Annual and Sustainability Report | PT Bank Victoria International Tbk
351
Page 354
(dalam juta Rupiah / in million Rupiah)
Tagihan
352
Tagihan berupa
kepada
Tagihan Surat Berharga/
Perusahaan Kredit untuk
kepada Bank Piutang Tagihan kepada
Efek dan Pengadaan
Tagihan Pembangunan Subordinasi, Usaha Mikro,
Tagihan Lembaga Kredit Kredit Tanah,
kepada Multilateral Ekuitas, dan Usaha Kecil,
Tagihan berupa Jasa Beragunan Beragunan Pengelolaan Kredit Tagihan
Entitas dan Lembaga Tagihan Instrumen dan Portofolio Tagihan yang
Sektor kepada Covered Keuangan Rumah Properti Tanah, dan Pegawai/ kepada Aset
Sektor Internasional kepada Modal Lainnya Ritel Telah Jatuh
Ekonomi Pemerintah Bond Lainnya Tinggal Komersial Konstruksi Pensiun Korporasi Lainnya
No. Publik Receivables Bank Receivables Receivables Tempo
Economic Receivables Receivables Receivables Residential Commercial Loan by Land Employee/ Receivables Other
Receivables from Receivables in the form of from Due
Sector from in the form from Property Property Acquisition, Retirement from Assets
from Public Multilateral from Banks Subordinated Microbusiness, Receivables
Government of Covered Securities Collateralized Collateralized Land Loans Corporations
Sector Development Securities/ Small Business,
Bond Companies Loans Loans Processing,
Entities Banks and Receivables, and Retail
and Other and
International Equity and Portfolio
Financial Construction
Institutions Other Capital
Services
Instruments
Institutions
(1) (2) (3) (4) (5) (6) (7) (8) (9) (10) (11) (12) (13) (14) (15) (16) (17)
31 DESEMBER 2023
31 DECEMBER 2023
Pertanian,
Kehutanan, dan
Perikanan
1. - - - - - - - - - - - 128,136 489,871 4,875 -
Agriculture,
Forestry, and
Fisheries
Pertambangan
dan Penggalian
2. Mining and - - - 10,251 - - - - - - - 74,627 678,707 5 -
Capital Structure and Risk Management
Extractive
Industries
Industri
Struktur Permodalan dan Manajemen Risiko
pengolahan
3. 9,920 - - - - - - - - - - 363,757 1,965,225 9,685 -
Processing
Industry
Pengadaan
Listrik, Gas, Uap/
Air Panas dan
PT Bank Victoria International Tbk | Laporan Tahunan dan Keberlanjutan 2024 Annual and Sustainability Report
Udara Dingin
4. Procurement - - - 260,418 - - - - - - - 64,399 23,972 - -
of Electricity,
Gas, Steam/
Hot Water, and
Cold Air
Page 355
Tagihan
Tagihan berupa
kepada
Tagihan Surat Berharga/
Perusahaan Kredit untuk
kepada Bank Piutang Tagihan kepada
Efek dan Pengadaan
Tagihan Pembangunan Subordinasi, Usaha Mikro,
Tagihan Lembaga Kredit Kredit Tanah,
kepada Multilateral Ekuitas, dan Usaha Kecil,
Tagihan berupa Jasa Beragunan Beragunan Pengelolaan Kredit Tagihan
Entitas dan Lembaga Tagihan Instrumen dan Portofolio Tagihan yang
Sektor kepada Covered Keuangan Rumah Properti Tanah, dan Pegawai/ kepada Aset
Sektor Internasional kepada Modal Lainnya Ritel Telah Jatuh
Ekonomi Pemerintah Bond Lainnya Tinggal Komersial Konstruksi Pensiun Korporasi Lainnya
No. Publik Receivables Bank Receivables Receivables Tempo
Economic Receivables Receivables Receivables Residential Commercial Loan by Land Employee/ Receivables Other
Receivables from Receivables in the form of from Due
Sector from in the form from Property Property Acquisition, Retirement from Assets
from Public Multilateral from Banks Subordinated Microbusiness, Receivables
Government of Covered Securities Collateralized Collateralized Land Loans Corporations
Sector Development Securities/ Small Business,
Bond Companies Loans Loans Processing,
Entities Banks and Receivables, and Retail
and Other and
International Equity and Portfolio
Financial Construction
Institutions Other Capital
Services
Instruments
Institutions
(1) (2) (3) (4) (5) (6) (7) (8) (9) (10) (11) (12) (13) (14) (15) (16) (17)
Pengelolaan Air,
Pengelolaan
Air Limbah,
Pengelolaan
dan Daur Ulang
Sampah
5. Water - - - 251,821 - - - - - - - 30,049 - - -
Management,
Waste Water
Management,
Waste
Management
and Recycle
Konstruksi
6. - - - 100,727 - - - - 772,460 - - - 102,513 18,182 -
Construction
Perdagangan
Besar dan Eceran;
Reparasi dan
Perawatan Mobil
dan Sepeda
7. Motor - - - 47,255 - - - - - - - 1,047,019 2,281,448 54,196 -
Wholesale and
Retail Trade; Car
and Motorcycle
Repair and
Maintenance
Pengangkutan
dan Pergudangan
8. - - - - - - - - - - - 200,802 268,466 126,408 -
Transportation
and Warehousing
Laporan Tahunan dan Keberlanjutan 2024 Annual and Sustainability Report | PT Bank Victoria International Tbk
353
Page 356
(dalam juta Rupiah / in million Rupiah)
Tagihan
354
Tagihan berupa
kepada
Tagihan Surat Berharga/
Perusahaan Kredit untuk
kepada Bank Piutang Tagihan kepada
Efek dan Pengadaan
Tagihan Pembangunan Subordinasi, Usaha Mikro,
Tagihan Lembaga Kredit Kredit Tanah,
kepada Multilateral Ekuitas, dan Usaha Kecil,
Tagihan berupa Jasa Beragunan Beragunan Pengelolaan Kredit Tagihan
Entitas dan Lembaga Tagihan Instrumen dan Portofolio Tagihan yang
Sektor kepada Covered Keuangan Rumah Properti Tanah, dan Pegawai/ kepada Aset
Sektor Internasional kepada Modal Lainnya Ritel Telah Jatuh
Ekonomi Pemerintah Bond Lainnya Tinggal Komersial Konstruksi Pensiun Korporasi Lainnya
No. Publik Receivables Bank Receivables Receivables Tempo
Economic Receivables Receivables Receivables Residential Commercial Loan by Land Employee/ Receivables Other
Receivables from Receivables in the form of from Due
Sector from in the form from Property Property Acquisition, Retirement from Assets
from Public Multilateral from Banks Subordinated Microbusiness, Receivables
Government of Covered Securities Collateralized Collateralized Land Loans Corporations
Sector Development Securities/ Small Business,
Bond Companies Loans Loans Processing,
Entities Banks and Receivables, and Retail
and Other and
International Equity and Portfolio
Financial Construction
Institutions Other Capital
Services
Instruments
Institutions
(1) (2) (3) (4) (5) (6) (7) (8) (9) (10) (11) (12) (13) (14) (15) (16) (17)
Penyediaan
Akomodasi dan
Penyediaan
Makan Minum
9. - - - - - - - - 44,628 - - 112,013 702,802 36,836 -
Provision of
Accomodation
and Foods &
Beverages
Informasi dan
Komunikasi
10. 40,790 - - - - - - - 2,000 - - 85,887 234,220 - -
Information and
Capital Structure and Risk Management
Communication
Aktivitas
Keuangan dan
Asuransi
Struktur Permodalan dan Manajemen Risiko
11. 6,060,689 931,856 53,157 1,415,151 - 3,564,372 215,931 - - - - 381,219 2,083,396 - -
Financial and
Insurance
Activities
Real Estate
12. - 14,961 - 36,041 - - - - 2,322,497 - - - 1,499 319,028 -
Real Estate
PT Bank Victoria International Tbk | Laporan Tahunan dan Keberlanjutan 2024 Annual and Sustainability Report
Aktivitas Profesi,
Ilmiah, dan
Teknis
13. Professional, - - - 4,651 - - - - 8,404 - - 39,683 424,866 5,573 -
Scientific,
and Technical
Activities
Page 357
Tagihan
Tagihan berupa
kepada
Tagihan Surat Berharga/
Perusahaan Kredit untuk
kepada Bank Piutang Tagihan kepada
Efek dan Pengadaan
Tagihan Pembangunan Subordinasi, Usaha Mikro,
Tagihan Lembaga Kredit Kredit Tanah,
kepada Multilateral Ekuitas, dan Usaha Kecil,
Tagihan berupa Jasa Beragunan Beragunan Pengelolaan Kredit Tagihan
Entitas dan Lembaga Tagihan Instrumen dan Portofolio Tagihan yang
Sektor kepada Covered Keuangan Rumah Properti Tanah, dan Pegawai/ kepada Aset
Sektor Internasional kepada Modal Lainnya Ritel Telah Jatuh
Ekonomi Pemerintah Bond Lainnya Tinggal Komersial Konstruksi Pensiun Korporasi Lainnya
No. Publik Receivables Bank Receivables Receivables Tempo
Economic Receivables Receivables Receivables Residential Commercial Loan by Land Employee/ Receivables Other
Receivables from Receivables in the form of from Due
Sector from in the form from Property Property Acquisition, Retirement from Assets
from Public Multilateral from Banks Subordinated Microbusiness, Receivables
Government of Covered Securities Collateralized Collateralized Land Loans Corporations
Sector Development Securities/ Small Business,
Bond Companies Loans Loans Processing,
Entities Banks and Receivables, and Retail
and Other and
International Equity and Portfolio
Financial Construction
Institutions Other Capital
Services
Instruments
Institutions
(1) (2) (3) (4) (5) (6) (7) (8) (9) (10) (11) (12) (13) (14) (15) (16) (17)
Aktivitas
Penyewaan
dan Sewa Guna
Usaha Tanpa
Hak Opsi,
Ketenagakerjaan,
Agen Perjalanan,
dan Penunjang
Usaha Lainnya
14. - 11,650 - 162,942 - - - - - - - 112,971 663,753 904 -
Leasing and
Leasing
Activities without
Option Rights,
Employment,
Travel Agencies,
and Other
Business
Supports
Administrasi
Pemerintahan,
Pertahanan, dan
Jaminan Sosial
Wajib
15. - - - - - - - - - - - - - - -
Government
Administration,
Land Business,
and Mandatory
Social Service
Pendidikan
16. - - - - - - - - - - - 29,178 97,842 1,727 -
Education
Aktivitas
Kesehatan
Laporan Tahunan dan Keberlanjutan 2024 Annual and Sustainability Report | PT Bank Victoria International Tbk
Manusia dan
17. Aktivitas Sosial - - - - - - - - - - - 11,862 20,653 - -
Human Health
Activities and
355
Social Activities
Page 358
(dalam juta Rupiah / in million Rupiah)
Tagihan
356
Tagihan berupa
kepada
Tagihan Surat Berharga/
Perusahaan Kredit untuk
kepada Bank Piutang Tagihan kepada
Efek dan Pengadaan
Tagihan Pembangunan Subordinasi, Usaha Mikro,
Tagihan Lembaga Kredit Kredit Tanah,
kepada Multilateral Ekuitas, dan Usaha Kecil,
Tagihan berupa Jasa Beragunan Beragunan Pengelolaan Kredit Tagihan
Entitas dan Lembaga Tagihan Instrumen dan Portofolio Tagihan yang
Sektor kepada Covered Keuangan Rumah Properti Tanah, dan Pegawai/ kepada Aset
Sektor Internasional kepada Modal Lainnya Ritel Telah Jatuh
Ekonomi Pemerintah Bond Lainnya Tinggal Komersial Konstruksi Pensiun Korporasi Lainnya
No. Publik Receivables Bank Receivables Receivables Tempo
Economic Receivables Receivables Receivables Residential Commercial Loan by Land Employee/ Receivables Other
Receivables from Receivables in the form of from Due
Sector from in the form from Property Property Acquisition, Retirement from Assets
from Public Multilateral from Banks Subordinated Microbusiness, Receivables
Government of Covered Securities Collateralized Collateralized Land Loans Corporations
Sector Development Securities/ Small Business,
Bond Companies Loans Loans Processing,
Entities Banks and Receivables, and Retail
and Other and
International Equity and Portfolio
Financial Construction
Institutions Other Capital
Services
Instruments
Institutions
(1) (2) (3) (4) (5) (6) (7) (8) (9) (10) (11) (12) (13) (14) (15) (16) (17)
Kesenian,
Hiburan, dan
Rekreasi
18. - - - - - - - - - - - 35,799 36,052 - -
Arts,
Entertainment,
and Recreation
Aktivitas Jasa
Lainnya
19. - - - - - - - - - - - - - - -
Other Services
Activities
Aktivitas Rumah
Capital Structure and Risk Management
Tangga sebagai
Pemberi Kerja;
Aktivitas yang
Menghasilkan
Struktur Permodalan dan Manajemen Risiko
Barang dan Jasa
oleh Rumah
Tangga yang
Digunakan untuk
Memenuhi
20. Kebutuhan - - - - - - - - - - - - - - -
PT Bank Victoria International Tbk | Laporan Tahunan dan Keberlanjutan 2024 Annual and Sustainability Report
Sendiri
Household
Activities as
an Employer;
Activities that
Produce Goods
and Services by
Households that
are Used to Meet
Their Own Needs
Page 359
Tagihan
Tagihan berupa
kepada
Tagihan Surat Berharga/
Perusahaan Kredit untuk
kepada Bank Piutang Tagihan kepada
Efek dan Pengadaan
Tagihan Pembangunan Subordinasi, Usaha Mikro,
Tagihan Lembaga Kredit Kredit Tanah,
kepada Multilateral Ekuitas, dan Usaha Kecil,
Tagihan berupa Jasa Beragunan Beragunan Pengelolaan Kredit Tagihan
Entitas dan Lembaga Tagihan Instrumen dan Portofolio Tagihan yang
Sektor kepada Covered Keuangan Rumah Properti Tanah, dan Pegawai/ kepada Aset
Sektor Internasional kepada Modal Lainnya Ritel Telah Jatuh
Ekonomi Pemerintah Bond Lainnya Tinggal Komersial Konstruksi Pensiun Korporasi Lainnya
No. Publik Receivables Bank Receivables Receivables Tempo
Economic Receivables Receivables Receivables Residential Commercial Loan by Land Employee/ Receivables Other
Receivables from Receivables in the form of from Due
Sector from in the form from Property Property Acquisition, Retirement from Assets
from Public Multilateral from Banks Subordinated Microbusiness, Receivables
Government of Covered Securities Collateralized Collateralized Land Loans Corporations
Sector Development Securities/ Small Business,
Bond Companies Loans Loans Processing,
Entities Banks and Receivables, and Retail
and Other and
International Equity and Portfolio
Financial Construction
Institutions Other Capital
Services
Instruments
Institutions
(1) (2) (3) (4) (5) (6) (7) (8) (9) (10) (11) (12) (13) (14) (15) (16) (17)
Aktivitas Badan
Internasional dan
Badan Ekstra
Internasional
Lainnya
21. International - - - - - - - - - - - - - - -
Organizations
and Other Extra
International
Organizations
Activities
Rumah Tangga
22. - - - - - - - - -
Household
Bukan Lapangan
23. Usaha - - - - - - - 150,868 - - - - 29,074 8,301 -
Non-Business
Lainnya
24. - - - - - - - - - - - - - - 1,183,389
Others
Total 6,111,398 958,467 53,157 2,289,258 - 3,564,372 215,931 150,868 3,149,989 - - 2,717,400 10,104,360 585,719 1,183,389
*) Berdasarkan Surat Otoritas Jasa Keuangan No. S-301/PB.101/2022 Perihal Penyampaian Keputusan Izin Pengambilalihan Saham PT Bank Victoria Syariah oleh PT Victoria Investama Tbk dan Surat Direksi No. 133/DIR-EKS/12/22 Perihal Laporan Pelaksanaan
Divestasi atas Inisiatif Sendiri PT Bank Victoria International Tbk (Bank), maka dengan demikian PT Bank Victoria Syariah tidak lagi menjadi Entitas Anak PT Bank Victoria International Tbk.
Based on Financial Services Authority Letter No. S-301/PB.101/2022 on Submission of the Decision on Permit to the Acquisition of PT Bank Victoria Syariah’s Shares by PT Victoria Investama Tbk and Board of Directors’ Decision Letter No. 113/DIR-EKS/12/22 on
the Divestment Implementation Report on PT Bank Victoria International Tbk’s (Bank) Self Initiative, therefore, PT Bank Victoria Syariah is no longer a subsidiary of PT Bank Victoria International Tbk.
Laporan Tahunan dan Keberlanjutan 2024 Annual and Sustainability Report | PT Bank Victoria International Tbk
357
Page 360
Tabel Pengungkapan Tagihan Bersih Berdasarkan Sisa Jangka Waktu Kontrak - Bank secara Individual
Table of Disclosure of Net Receivables by Remaining Contract Period – Bank Individually
358
(dalam juta Rupiah / in million Rupiah)
31 Desember 2024
31 December 2024
Tagihan Bersih Berdasarkan Sisa Jangka Waktu Kontrak
Net Receivables by Remaining Contract Period
No. Kategori Portofolio Portfolio Category
>1 Tahun s.d. >3 Tahun s.d. Non-
≤1 Tahun 3 Tahun 5 Tahun >5 Tahun Kontraktual
Total
≤1 Year >1 to 3 >3 to 5 >5 Years Non-
Years Years Contractual
(1) (2) (3) (4) (5) (6) (7) (8) (2)
1. Tagihan kepada Pemerintah 3,154,726 1,542,009 315,059 2,283,291 - 7,295,086 Receivables from Government
2. Tagihan kepada Entitas Sektor Publik 1,142,380 8,542 - - - 1,150,922 Receivables from Public Sector Entities
Tagihan kepada Bank Pembangunan Receivables from Multilateral Development
3. - 2,523 - - - 2,523
Multilateral dan Lembaga Internasional Banks and International Institutions
4. Tagihan kepada Bank 299,219 33 - - - 299,252 Receivables from Banks
5. Tagihan berupa Covered Bond - - - - - - Receivables in the form of Covered Bond
Tagihan kepada Perusahaan Efek dan Receivables from Securities Companies and
6. 2,248,119 899,917 571,593 - - 3,719,629
Lembaga Jasa Keuangan Lainnya Other Financial Services Institutions
Tagihan berupa Surat Berharga/Piutang Receivables in the form of Subordinated
Capital Structure and Risk Management
7. Subordinasi, Ekuitas, dan Instrumen 219,934 - - - - 219,934 Securities/ Receivables, Equity, and
Modal Lainnya Other Capital Instruments
Struktur Permodalan dan Manajemen Risiko
8. Kredit Beragunan Rumah Tinggal 2,355 10,652 27,397 110,154 - 150,558 Residential Property Collateralized Loans
9. Kredit Beragunan Properti Komersial 1,624,722 214,350 599,858 1,065,774 - 3,504,704 Commercial Property Collateralized Loans
Kredit untuk Pengadaan Tanah, Loan by Land Acquisition,
10. - - - - - -
Pengolahan Tanah, dan Konstruksi Land Processing, and Construction
11. Kredit Pegawai/Pensiunan - - - - - - Employee/ Retirement Loans
PT Bank Victoria International Tbk | Laporan Tahunan dan Keberlanjutan 2024 Annual and Sustainability Report
Tagihan kepada Usaha Mikro, Receivables from Microbusiness,
12. 2,154,910 171,159 324,368 102,161 - 2,752,599
Usaha Kecil, dan Portofolio Ritel Small Business, and Retail Portfolio
13. Tagihan kepada Korporasi 5,855,800 2,027,808 2,392,184 1,715,191 3,954 11,994,937 Receivables from Corporations
14. Tagihan yang Telah Jatuh Tempo 73,690 231,614 10,086 129,761 - 445,151 Due Receivables
15. Aset Lainnya - - - - 1,043,860 1,043,860 Other Assets
Total 16,775,856 5,108,607 4,240,546 5,406,332 1,047,814 32,579,154 Total
Page 361
(dalam juta Rupiah / in million Rupiah)
31 Desember 2023
31 December 2023
Tagihan Bersih Berdasarkan Sisa Jangka Waktu Kontrak
Net Receivables by Remaining Contract Period
No. Kategori Portofolio Portfolio Category
>1 Tahun s.d. >3 Tahun s.d. Non-
≤1 Tahun 3 Tahun 5 Tahun >5 Tahun Kontraktual
Total
≤1 Year >1 to 3 >3 to 5 >5 Years Non-
Years Years Contractual
(1) (2) (3) (4) (5) (6) (7) (8) (2)
1. Tagihan kepada Pemerintah 1,725,237 1,225,499 1,172,121 1,988,542 - 6,111,398 Receivables from Government
2. Tagihan kepada Entitas Sektor Publik 920,975 37,492 - - - 958,467 Receivables from Public Sector Entities
Tagihan kepada Bank Pembangunan Receivables from Multilateral Development
3. 50,633 2,523 - - - 53,157
Multilateral dan Lembaga Internasional Banks and International Institutions
4. Tagihan kepada Bank 1,651,555 637,703 - - - 2,289,258 Receivables from Banks
5. Tagihan berupa Covered Bond - - - - - - Receivables in the form of Covered Bond
Tagihan kepada Perusahaan Efek Receivables from Securities Companies
6. 2,076,027 654,333 794,012 40,000 - 3,564,372
dan Lembaga Jasa Keuangan Lainnya and Other Financial Services Institutions
Tagihan berupa Surat Berharga/Piutang Receivables in the form of Subordinated
7. Subordinasi, Ekuitas, dan Instrumen 215,931 - - - - 215,931 Securities/ Receivables, Equity, and
Modal Lainnya Other Capital Instruments
8. Kredit Beragunan Rumah Tinggal 6,337 8,538 39,496 96,497 - 150,868 Residential Property Collateralized Loans
9. Kredit Beragunan Properti Komersial 1,212,648 301,700 570,717 1,064,924 - 3,149,989 Commercial Property Collateralized Loans
Kredit untuk Pengadaan Tanah, Loan by Land Acquisition,
10. - - - - - -
Pengolahan Tanah, dan Konstruksi Land Processing, and Construction
11. Kredit Pegawai/Pensiunan - - - - - - Employee/ Retirement Loans
Tagihan kepada Usaha Mikro, Receivables from Microbusiness,
12. 1,999,904 268,659 282,698 166,140 - 2,717,400
Usaha Kecil, dan Portofolio Ritel Small Business, and Retail Portfolio
13. Tagihan kepada Korporasi 6,035,422 1,287,764 1,327,104 1,454,071 - 10,104,360 Receivables from Corporations
14. Tagihan yang Telah Jatuh Tempo 246,649 279,841 13,362 45,868 - 585,719 Due Receivables
15. Aset Lainnya - - - - 1,183,389 1,183,389 Other Assets
Total 16,141,318 4,704,050 4,199,510 4,856,041 1,183,389 31,084,309 Total
*) Berdasarkan Surat Otoritas Jasa Keuangan No. S-301/PB.101/2022 Perihal Penyampaian Keputusan Izin Pengambilalihan Saham PT Bank Victoria Syariah oleh PT Victoria Investama Tbk dan Surat Direksi No. 133/DIR-EKS/12/22 Perihal Laporan Pelaksanaan Divestasi
atas Inisiatif Sendiri PT Bank Victoria International Tbk (Bank), maka dengan demikian PT Bank Victoria Syariah tidak lagi menjadi Entitas Anak PT Bank Victoria International Tbk.
Laporan Tahunan dan Keberlanjutan 2024 Annual and Sustainability Report | PT Bank Victoria International Tbk
Based on Financial Services Authority Letter No. S-301/PB.101/2022 on Submission of the Decision on Permit to the Acquisition of PT Bank Victoria Syariah’s Shares by PT Victoria Investama Tbk and Board of Directors’ Decision Letter No. 113/DIR-EKS/12/22 on
the Divestment Implementation Report on PT Bank Victoria International Tbk’s (Bank) Self Initiative, therefore, PT Bank Victoria Syariah is no longer a subsidiary of PT Bank Victoria International Tbk.
359
Page 362
Tabel Pengungkapan Tagihan dan Pencadangan Berdasarkan Wilayah - Bank secara Individual
Table of Disclosure of Receivables and Allowances by Area – Bank Individually
360
(dalam juta Rupiah / in million Rupiah)
31 Desember 2024 31 Desember 2023
31 December 2024 31 December 2023
Wilayah Wilayah
Region Region
Zona Zona
Keterangan Zona Zona Zona Zona
No. Indonesia Di Luar Indonesia Di Luar Description
Indonesia Indonesia Indonesia Indonesia
Tengah Indonesia Tengah Indonesia
Barat Timur Barat Timur
(Wilayah 2) (Wilayah 4) (Wilayah 2) (Wilayah 4)
(Wilayah 1) (Wilayah 3) Total (Wilayah 1) (Wilayah 3) Total
Indonesia Outside Indonesia Outside
Indonesia Indonesia Indonesia Indonesia
Zone Indonesia Zone Indonesia
Zone West Zone East Zone West Zone East
Center (Zone 4) Center (Zone 4)
(Zone 1) (Zone 3) (Zone 1) (Zone 3)
(Zone 2) (Zone 2)
(1) (2) (4) (5) (6) (7) (8) (3) (4) (5) (6) (7) (2)
1. Tagihan 29,434,987 1,418,073 86,791 37,884 30,977,735 27,023,562 1,176,263 176,272 66 28,376,162 Receivables
Tagihan yang Mengalami
Claims with Increased and
Peningkatan dan
2. Worsening Credit
Pemburukan Risiko Kredit
Risk (Stage 2 and Stage 3)
(Stage 2 dan Stage 3)
a. Belum Jatuh Tempo 733,392 142,939 - - 876,331 892,709 271,513 - - 1,164,222 a. Not Due
Capital Structure and Risk Management
b. Telah Jatuh Tempo 463,443 152,590 - - 616,032 669,350 44,737 - - 714,087 b. Due
3. CKPN - Stage 1 73,401 4,436 223 - 78,060 108,625 3,905 276 - 112,806 CKPN - Stage 1
Struktur Permodalan dan Manajemen Risiko
4. CKPN - Stage 2 133,231 55,214 - - 188,446 213,614 120,084 - - 333,699 CKPN - Stage 2
5. CKPN - Stage 3 143,701 36,758 - - 180,460 122,401 5,966 - - 128,368 CKPN - Stage 3
6. Tagihan yang Dihapus Buku (255,035) (38,830) - - (293,865) (139,196) (54,726) - - (193,922) Receivables Written Off
*) Berdasarkan Surat Otoritas Jasa Keuangan No. S-301/PB.101/2022 Perihal Penyampaian Keputusan Izin Pengambilalihan Saham PT Bank Victoria Syariah oleh PT Victoria Investama Tbk dan Surat Direksi No. 133/DIR-EKS/12/22 Perihal Laporan Pelaksanaan Divestasi
Atas Inisiatif Sendiri PT Bank Victoria International Tbk (Bank), maka dengan demikian PT Bank Victoria Syariah tidak lagi menjadi entitas anak PT Bank Victoria International Tbk.
PT Bank Victoria International Tbk | Laporan Tahunan dan Keberlanjutan 2024 Annual and Sustainability Report
Based on Financial Services Authority Letter No. S-301/PB.101/2022 on Submission of the Decision on Permit to the Acquisition of PT Bank Victoria Syariah’s Shares by PT Victoria Investama Tbk and Board of Directors’ Decision Letter No. 113/DIR-EKS/12/22 on the
Divestment Implementation Report on PT Bank Victoria International Tbk’s (Bank) Self Initiative, therefore, PT Bank Victoria Syariah is no longer a subsidiary of PT Bank Victoria International Tbk.
Page 363
Tabel Pengungkapan Tagihan dan Pencadangan Berdasarkan Sektor Ekonomi - Bank secara Individual
Table of Disclosure of Receivables and Allowances by Economic Sector – Bank Individually
(dalam juta Rupiah / in million Rupiah)
Tagihan yang Mengalami Cadangan Cadangan
Cadangan
Penurunan Nilai Kerugian Kerugian
Kerugian
Impaired Receivables Penurunan Penurunan Tagihan yang
Penurunan
Tagihan Nilai (CKPN) - Nilai (CKPN) - Dihapus Buku
No. Sektor Ekonomi Nilai (CKPN) - Economic Sector
Receivables Belum Jatuh Telah Jatuh Stage 1 Stage 2 Receivables
Stage 3
Tempo Tempo Losses Losses Written Off
Allowance (ILA)
Not Due Due Allowance (ILA) Allowance (ILA)
- Stage 3
- Stage 1 - Stage 1
(1) (2) (3) (4) (5) (6) (7) (8) (9) (2)
31 DESEMBER 2024
31 DECEMBER 2024
Pertanian, Kehutanan, Agriculture, Forestry,
1. 526,922 - 10,541 1,407 - 8,024 -
dan Perikanan and Fisheries
Mining and Extractive
2. Pertambangan dan Penggalian 944,621 - - 2,691 - - -
Industries
3. Industri Pengolahan 3,056,929 146,959 30,934 7,972 53,492 19,480 - Processing Industry
Pengadaan Listrik, Gas, Uap/Air Procurement of Electricity, Gas,
4. 98,181 31,437 - 231 3,919 - -
Panas, dan Udara Dingin Steam/Hot Water, and Cold Air
Pengelolaan Air, Pengelolaan Water Management, Waste
5. Air Limbah, Pengelolaan dan 26,224 - - 37 - - - Water Management, Waste
Daur Ulang Sampah Management and Recycle
6. Konstruksi 1,113,764 137,550 6,126 1,748 15,469 1,581 - Construction
Perdagangan Besar dan
Wholesale and Retail Trade;
Eceran; Reparasi dan
7. 3,506,771 125,687 44,084 11,033 32,887 19,345 (96,333) Car and Motorcycle Repair
Perawatan Mobil dan
and Maintenance
Sepeda Motor
Pengangkutan dan Transportation
8. 597,663 39,952 - 1,787 3,789 - (134,001)
Pergudangan and Warehousing
Penyediaan Akomodasi dan Provision of Accomodation
9. 770,731 28,626 109,873 3,895 8,950 12,884 (38,830)
Penyediaan Makan Minum and Foods & Beverages
Information and
10. Informasi dan Komunikasi 381,556 12,294 114,852 672 744 80,437 -
Communication
Aktivitas Keuangan Financial and
11. 13,329,775 - - 18,925 - - -
dan Asuransi Insurance Activities
Laporan Tahunan dan Keberlanjutan 2024 Annual and Sustainability Report | PT Bank Victoria International Tbk
12. Real Estate 3,962,750 286,421 276,309 21,709 60,554 25,634 (24,700) Real Estate
Aktivitas Profesi, Professional, Scientific,
13. 538,439 10,115 5,750 1,415 1,105 5,194 -
361
Ilmiah, dan Teknis and Technical Activities
Page 364
(dalam juta Rupiah / in million Rupiah)
362
Tagihan yang Mengalami Cadangan Cadangan
Cadangan
Penurunan Nilai Kerugian Kerugian
Kerugian
Impaired Receivables Penurunan Penurunan Tagihan yang
Penurunan
Tagihan Nilai (CKPN) - Nilai (CKPN) - Dihapus Buku
No. Sektor Ekonomi Nilai (CKPN) - Economic Sector
Receivables Belum Jatuh Telah Jatuh Stage 1 Stage 2 Receivables
Stage 3
Tempo Tempo Losses Losses Written Off
Allowance (ILA)
Not Due Due Allowance (ILA) Allowance (ILA)
- Stage 3
- Stage 1 - Stage 1
(1) (2) (3) (4) (5) (6) (7) (8) (9) (2)
Aktivitas Penyewaan dan
Leasing and Leasing Activities
Sewa Guna Usaha Tanpa Hak
Without Option Rights,
14. Opsi, Ketenagakerjaan, Agen 549,822 19,454 1,262 1,429 1,613 327 -
Employment, Travel Agencies,
Perjalanan, dan Penunjang
and Other Business Supports
Usaha Lainnya
Administrasi Pemerintahan, Government Administration,
15. Pertahanan, dan Jaminan - - - - - - - Land Business, and Mandatory
Sosial Wajib Social Service
16. Pendidikan 115,126 24,384 2,005 258 2,856 518 - Education
Aktivitas Kesehatan Manusia Human Health Activities
17. 118,087 - - 386 - - -
dan Aktivitas Sosial and Social Activities
Kesenian, Hiburan, Arts, Entertainment,
18. 56,826 - - 220 - - -
dan Rekreasi and Recreation
Capital Structure and Risk Management
19. Aktivitas Jasa Lainnya - - - - - - - Other Services Activities
Aktivitas Rumah Tangga
Household Activities as an
sebagai Pemberi Kerja; Aktivitas
Employer; Activities that
Struktur Permodalan dan Manajemen Risiko
yang Menghasilkan Barang dan
20. - - - 0 - - - Produce Goods and Services
Jasa oleh Rumah Tangga yang
by Households that are Used to
Digunakan untuk Memenuhi
Meet Their Own Needs
Kebutuhan Sendiri
Aktivitas Badan Internasional International Organizations
21. dan Badan Ekstra Internasional - - - - - - - and Other Extra International
PT Bank Victoria International Tbk | Laporan Tahunan dan Keberlanjutan 2024 Annual and Sustainability Report
Lainnya Organizations Activities
22. Rumah Tangga - - - - Household
23. Bukan Lapangan Usaha 239,687 13,454 14,295 2,245 3,068 7,037 - Non-Business
24. Lainnya 1,043,860 - - - - - - Others
Total 30,977,735 876,331 616,032 78,060 188,446 180,460 (293,865) Total
Page 365
(dalam juta Rupiah / in million Rupiah)
Tagihan yang Mengalami Cadangan Cadangan
Cadangan
Penurunan Nilai Kerugian Kerugian
Kerugian
Impaired Receivables Penurunan Penurunan Tagihan yang
Penurunan
Tagihan Nilai (CKPN) - Nilai (CKPN) - Dihapus Buku
No. Sektor Ekonomi Nilai (CKPN) - Economic Sector
Receivables Belum Jatuh Telah Jatuh Stage 1 Stage 2 Receivables
Stage 3
Tempo Tempo Losses Losses Written Off
Allowance (ILA)
Not Due Due Allowance (ILA) Allowance (ILA)
- Stage 3
- Stage 1 - Stage 1
(1) (2) (3) (4) (5) (6) (7) (8) (9) (2)
31 DESEMBER 2023
31 DECEMBER 2023
Pertanian, Kehutanan, dan Agriculture, Forestry,
1. 582,543 29,377 6,159 1,917 11,494 1,283 -
Perikanan and Fisheries
Mining and Extractive
2. Pertambangan dan Penggalian 731,967 - 6 2,195 - 2 -
Industries
3. Industri Pengolahan 2,250,155 138,937 17,849 7,078 44,373 8,164 (18,296) Processing Industry
Pengadaan Listrik, Gas, Uap/Air Procurement of Electricity, Gas,
4. 351,576 36,395 - 219 4,588 - -
Panas, dan Udara Dingin Steam/Hot Water, and Cold Air
Pengelolaan Air, Pengelolaan Water Management, Waste
5. Air Limbah, Pengelolaan dan 277,711 - - 40 - - - Water Management, Waste
Daur Ulang Sampah Management and Recycle
6. Konstruksi 870,949 97,667 31,373 1,600 14,922 13,191 (39,975) Construction
Perdagangan Besar dan
Wholesale and Retail Trade;
Eceran; Reparasi dan
7. 2,910,906 110,218 105,801 24,631 28,986 51,605 (35,070) Car and Motorcycle Repair
Perawatan Mobil dan
and Maintenance
Sepeda Motor
Pengangkutan dan Transportation
8. 572,323 - 137,501 1,819 - 11,093 (11,083)
Pergudangan and Warehousing
Penyediaan Akomodasi dan Provision of Accomodation
9. 964,570 174,480 40,879 3,160 86,850 4,042 (54,199)
Penyediaan Makan Minum and Foods & Beverages
Information and
10. Informasi dan Komunikasi 377,600 114,700 - 569 25,449 - -
Communication
Aktivitas Keuangan Financial and Insurance
11. 10,948,529 3,121 - 23,268 377 - -
dan Asuransi Activities
12. Real Estate 4,522,162 334,016 351,888 40,538 99,818 32,860 (24,687) Real Estate
Aktivitas Profesi, Ilmiah, Professional, Scientific,
13. 457,265 2,648 8,750 1,454 302 3,177 -
Laporan Tahunan dan Keberlanjutan 2024 Annual and Sustainability Report | PT Bank Victoria International Tbk
dan Teknis and Technical Activities
363
Page 366
(dalam juta Rupiah / in million Rupiah)
364
Tagihan yang Mengalami Cadangan Cadangan
Cadangan
Penurunan Nilai Kerugian Kerugian
Kerugian
Impaired Receivables Penurunan Penurunan Tagihan yang
Penurunan
Tagihan Nilai (CKPN) - Nilai (CKPN) - Dihapus Buku
No. Sektor Ekonomi Nilai (CKPN) - Economic Sector
Receivables Belum Jatuh Telah Jatuh Stage 1 Stage 2 Receivables
Stage 3
Tempo Tempo Losses Losses Written Off
Allowance (ILA)
Not Due Due Allowance (ILA) Allowance (ILA)
- Stage 3
- Stage 1 - Stage 1
(1) (2) (3) (4) (5) (6) (7) (8) (9) (2)
Aktivitas Penyewaan dan
Leasing and Leasing Activities
Sewa Guna Usaha Tanpa Hak
Without Option Rights,
14. Opsi, Ketenagakerjaan, Agen 947,538 72,688 1,262 2,000 9,243 359 -
Employment, Travel Agencies,
Perjalanan, dan Penunjang
and Other Business Supports
Usaha Lainnya
Administrasi Pemerintahan, Government Administration,
15. Pertahanan, dan Jaminan - - - - - - - Land Business, and Mandatory
Sosial Wajib Social Service
16. Pendidikan 130,546 31,314 2,406 422 3,837 680 - Education
Aktivitas Kesehatan Manusia Human Health Activities
17. 31,209 - - 243 - - -
dan Aktivitas Sosial and Social Activities
Kesenian, Hiburan, Arts, Entertainment,
18. 71,610 - - 364 - - -
dan Rekreasi and Recreation
19. Aktivitas Jasa Lainnya - - - - - - - Other Services Activities
Capital Structure and Risk Management
Aktivitas Rumah Tangga
Household Activities as an
sebagai Pemberi Kerja; Aktivitas
Employer; Activities that
yang Menghasilkan Barang dan
Struktur Permodalan dan Manajemen Risiko
20. - - - - - - - Produce Goods and Services
Jasa oleh Rumah Tangga yang
by Households that are Used to
Digunakan untuk Memenuhi
Meet Their Own Needs
Kebutuhan Sendiri
Aktivitas Badan Internasional International Organizations
21. dan Badan Ekstra Internasional - - - - - - - and Other Extra International
PT Bank Victoria International Tbk | Laporan Tahunan dan Keberlanjutan 2024 Annual and Sustainability Report
Lainnya Organizations Activities
22. Rumah Tangga - - - - Household
23. Bukan Lapangan Usaha 193,613 18,659 10,212 1,290 3,460 1,911 (10,611) Non-Business
24. Lainnya 1,183,389 - - - - - Others
Total 28,376,162 1,164,222 714,087 112,806 333,699 128,368 (193,922) Total
*) Berdasarkan Surat Otoritas Jasa Keuangan No. S-301/PB.101/2022 Perihal Penyampaian Keputusan Izin Pengambilalihan Saham PT Bank Victoria Syariah oleh PT Victoria Investama Tbk dan Surat Direksi No. 133/DIR-EKS/12/22 Perihal Laporan Pelaksanaan Divestasi
Atas Inisiatif Sendiri PT Bank Victoria International Tbk (Bank), maka dengan demikian PT Bank Victoria Syariah tidak lagi menjadi entitas anak PT Bank Victoria International Tbk.
Based on Financial Services Authority Letter No. S-301/PB.101/2022 on Submission of the Decision on Permit to the Acquisition of PT Bank Victoria Syariah’s Shares by PT Victoria Investama Tbk and Board of Directors’ Decision Letter No. 113/DIR-EKS/12/22 on
the Divestment Implementation Report on PT Bank Victoria International Tbk’s (Bank) Self Initiative, therefore,PT Bank Victoria Syariah is no longer a subsidiary of PT Bank Victoria International Tbk.
Page 367
Pengungkapan Tagihan Berdasarkan Hari Tunggakan
Disclosure of Receivables by Due Date
1) Bank secara Individual / Bank Individually
(dalam juta Rupiah / in million Rupiah)
31 Desember 2024 31 Desember 2023
31 December 2024 31 December 2023
Tagihan Berdasarkan Hari Tunggakan Tagihan Berdasarkan Hari Tunggakan
Receivables by Due Date Receivables by Due Date
No. Jenis Eksposur Exposure Type
>90 Hari s.d. >120 Hari s.d. >90 Hari s.d. >120 Hari s.d.
120 Hari 180 Hari >180 Hari 120 Hari 180 Hari >180 Hari
Total Total
>90 Days to >120 Days to >180 Days >90 Days to >120 Days to >180 Days
120 Days 180 Days 120 Days 180 Days
a b c d e f c d e f b
Kredit yang Termasuk
Loan Included in
1. dalam Tagihan yang 5,000 5,103 605,929 616,032 63,397 17,420 633,270 714,087
Due Receivables
Telah Jatuh Tempo
Surat Berharga yang
Securities Included
2. Termasuk dalam Tagihan - - - - - - - -
in Due Receivables
yang Telah Jatuh Tempo
Total 5,000 5,103 605,929 616,032 63,397 17,420 633,270 714,087 Total
*) Berdasarkan Surat Otoritas Jasa Keuangan No. S-301/PB.101/2022 Perihal Penyampaian Keputusan Izin Pengambilalihan Saham PT Bank Victoria Syariah oleh PT Victoria Investama Tbk dan Surat Direksi No. 133/DIR-EKS/12/22 Perihal Laporan Pelaksanaan Divestasi
Atas Inisiatif Sendiri PT Bank Victoria International Tbk (Bank), maka dengan demikian PT Bank Victoria Syariah tidak lagi menjadi entitas anak PT Bank Victoria International Tbk.
Based on Financial Services Authority Letter No. S-301/PB.101/2022 on Submission of the Decision on Permit to the Acquisition of PT Bank Victoria Syariah’s Shares by PT Victoria Investama Tbk and Board of Directors’ Decision Letter No. 113/DIR-EKS/12/22 on the
Divestment Implementation Report on PT Bank Victoria International Tbk’s (Bank) Self Initiative, therefore, PT Bank Victoria Syariah is no longer a subsidiary of PT Bank Victoria International Tbk.
Laporan Tahunan dan Keberlanjutan 2024 Annual and Sustainability Report | PT Bank Victoria International Tbk
365
Page 368
Pengungkapan Tambahan Terkait Perlakuan Terhadap Aset Bermasalah (CRB-A)
Additional Disclosures Regarding Treatment of Non-Performing Assets (CRB-A)
366
Pengungkapan Aset Performing dan Non-Performing
Disclosure of Performing and Non-Performing Assets
1) Bank secara Individual / Bank Individually
(dalam juta Rupiah / in million Rupiah)
Non-Performing
(Kualitas KL, D, M)
Performing Non-Performing
(Kualitas L dan DPK) (Quality of KL,D, M)
Performing Tagihan yang Tidak Mengalami Penurunan Nilai
(Quality of L and DPK) Tagihan yang Mengalami Non Impaired Receivables
Penurunan Nilai
No. Deskripsi Memiliki Tunggakan >90 Hari Memiliki Tunggakan ≤90 Hari Description
Impaired Receivables
Have Arrears >90 Days Have Arrears ≤90 Days
Nilai Tercatat Nilai Tercatat Nilai Tercatat Nilai Tercatat
Bruto Bruto Bruto Bruto
Gross CKPN Gross CKPN Gross CKPN Gross CKPN
Carrying Carrying Carrying Carrying
Amount Amount Amount Amount
a b c d e f g h
Capital Structure and Risk Management
1. Surat Berharga 7,463,989 1,266 - - - - - - Marketable Securities
2. Kredit 19,886,642 258,746 673,218 188,220 - - - - Credit
Struktur Permodalan dan Manajemen Risiko
a. Korporasi 19,662,455 253,432 658,922 181,183 - - - - Corporate
b. Ritel 224,188 5,313 14,295 7,037 - - - - Retail
Transaksi Rekening Administrative Account
3. 4,661,564 - 0 - - - - -
Administratif Transaction
PT Bank Victoria International Tbk | Laporan Tahunan dan Keberlanjutan 2024 Annual and Sustainability Report
*) Berdasarkan Surat Otoritas Jasa Keuangan No. S-301/PB.101/2022 Perihal Penyampaian Keputusan Izin Pengambilalihan Saham PT Bank Victoria Syariah oleh PT Victoria Investama Tbk dan Surat Direksi No. 133/DIR-EKS/12/22 Perihal Laporan Pelaksanaan Divestasi
Atas Inisiatif Sendiri PT Bank Victoria International Tbk (Bank), maka dengan demikian PT Bank Victoria Syariah tidak lagi menjadi entitas anak PT Bank Victoria International Tbk.
Based on Financial Services Authority Letter No. S-301/PB.101/2022 on Submission of the Decision on Permit to the Acquisition of PT Bank Victoria Syariah’s Shares by PT Victoria Investama Tbk and Board of Directors’ Decision Letter No. 113/DIR-EKS/12/22 on
the Divestment Implementation Report on PT Bank Victoria International Tbk’s (Bank) Self Initiative, therefore, PT Bank Victoria Syariah is no longer a subsidiary of PT Bank Victoria International Tbk.
Page 369
Pengungkapan Aset Restrukturisasi Performing dan Non-Performing
Disclosure of Performing and Non-Performing Restructuring Assets
1) Bank secara Individual / Bank Individually
(dalam juta Rupiah / in million Rupiah)
Performing Non-Performing
(Kualitas L dan DPK) (Kualitas KL, D, M)
Stage 1 Stage 2 Stage 3
Performing Non-Performing
(Quality of L and DPK) (Quality of KL,D, M)
No. Deskripsi Nilai Nilai Nilai Nilai Nilai Description
Tercatat Tercatat Tercatat Tercatat Tercatat
Bruto Bruto Bruto Bruto Bruto
CKPN CKPN CKPN CKPN CKPN
Gross Gross Gross Gross Gross
Carrying Carrying Carrying Carrying Carrying
Amount Amount Amount Amount Amount
a b a b c d e f g h i j
1. Surat Berharga - - - - - - - - - - Marketable Securities
2. Kredit 1,620,534 194,755 585,916 149,365 2,046,174 329,490 122,528 7,626 33,162 5,061 Credit
a. Korporasi 1,591,057 189,442 581,031 147,480 2,016,005 324,657 120,914 7,446 30,584 4,316 Corporate
b. Ritel 29,477 5,313 4,885 1,885 30,169 4,834 1,615 180 2,578 745 Retail
Transaksi Rekening Administrative
3. 69,191 - - - 18,292 - 50,871 - 28 -
Administratif Account Transaction
*) Berdasarkan Surat Otoritas Jasa Keuangan No. S-301/PB.101/2022 Perihal Penyampaian Keputusan Izin Pengambilalihan Saham PT Bank Victoria Syariah oleh PT Victoria Investama Tbk dan Surat Direksi No. 133/DIR-EKS/12/22 Perihal Laporan Pelaksanaan Divestasi
Atas Inisiatif Sendiri PT Bank Victoria International Tbk (Bank), maka dengan demikian PT Bank Victoria Syariah tidak lagi menjadi entitas anak PT Bank Victoria International Tbk.
Based on Financial Services Authority Letter No. S-301/PB.101/2022 on Submission of the Decision on Permit to the Acquisition of PT Bank Victoria Syariah’s Shares by PT Victoria Investama Tbk and Board of Directors’ Decision Letter No. 113/DIR-EKS/12/22 on
the Divestment Implementation Report on PT Bank Victoria International Tbk’s (Bank) Self Initiative, therefore, PT Bank Victoria Syariah is no longer a subsidiary of PT Bank Victoria International Tbk.
Laporan Tahunan dan Keberlanjutan 2024 Annual and Sustainability Report | PT Bank Victoria International Tbk
367
Page 370
Pengungkapan Kuantitatif Terkait Teknik MRK (CR3)
Disclosure of Quantitative Related to MRK Techniques (CR3)
368
1) Bank secara Individual / Bank Individually
(dalam juta Rupiah / in million Rupiah)
Tagihan yang Dijamin
dengan Garansi,
Tagihan yang Tidak
Tagihan yang Dijamin Penjaminan, dan/atau
Dijamin dengan Teknik Tagihan yang Dijamin Tagihan yang Dijamin
dengan Agunan Asuransi Kredit
MRK dengan Teknik MRK dengan Derivatif Kredit
No. Deskripsi Guaranteed Guaranteed Description
Not Guaranteed Guaranteed Receivables Receivables Secured
Receivables by Receivables by
Receivables Using Using MRK Techniques by Credit Derivatives
Collateral Guarantee, Security,
MRK Techniques
and/or Credit
Insurance
a b c d e
1. Kredit 18,796,481 1,551,316 1,551,316 - Credit
2. Surat Berharga 7,462,723 - - - Marketable Securities
3. Total 26,259,204 1,551,316 1,551,316 - Total
Kredit dan Surat Berharga
4. 560,331 55,701 55,701 - Due Loans and Securities
yang Telah Jatuh Tempo
2) Pengungkapan Tambahan / Additional Disclosure
Capital Structure and Risk Management
1. Bank tidak memiliki eksposur kuantitatif terkait teknik MRK secara konsolidasi karena berdasarkan Surat Otoritas Jasa Keuangan No. S-301/PB.101/2022 Perihal Penyampaian Keputusan Izin Pengambilalihan Saham
PT Bank Victoria Syariah oleh PT Victoria Investama Tbk dan Surat Direksi No. 133/DIR-EKS/12/22 Perihal Laporan Pelaksanaan Divestasi atas Inisiatif Sendiri PT Bank Victoria International Tbk (Bank), maka dengan
Struktur Permodalan dan Manajemen Risiko
demikian PT Bank Victoria Syariah tidak lagi menjadi Entitas Anak PT Bank Victoria International Tbk.
1. The Bank does not have quantitative exposure related to MRK techniques on a consolidated basis due to based on Financial Services Authority Letter No. S-301/PB.101/2022 on Submission of the Decision on Permit to
the Acquisition of PT Bank Victoria Syariah’s Shares by PT Victoria Investama Tbk and Board of Directors’ Decision Letter No. 113/DIR-EKS/12/22 on the Divestment Implementation Report on PT Bank Victoria
International Tbk’s (Bank) Self Initiative, therefore, PT Bank Victoria Syariah is no longer a subsidiary of PT Bank Victoria International Tbk.
PT Bank Victoria International Tbk | Laporan Tahunan dan Keberlanjutan 2024 Annual and Sustainability Report
Page 371
Pengungkapan Eksposur Risiko Kredit dan Dampak Teknik MRK (CR4)
Disclosure of Credit Risk Exposure and Impact of MRK Techniques (CR4)
1) Bank secara Individual / Bank Individually
(dalam juta Rupiah, kecuali dimyatakan lain / in million Rupiah, unless stated otherwise)
Tagihan Bersih Sebelum Tagihan Bersih Setelah
Penerapan FKK dan Teknik MRK Penerapan FKK dan Teknik MRK
ATMR dan Rata-Rata Bobot Risiko
Net Receivables Before Net Receivables After
RWA and Risk Weight Average
Implementation of FKK and Implementation of FKK and
MRK Techniques MRK Techniques
No. Kategori Portofolio Rata-Rata Portfolio Category
Laporan Posisi Laporan Posisi
Bobot Risiko
Keuangan Keuangan
(e/(c+d))
Statements TRA Statements TRA ATMR
Risk Weight
of Financial of Financial
Average
Position Position
(e/(c+d))
a b c d e f
1. Tagihan kepada Pemerintah 6,111,398 - 6,111,398 - - 0% Receivables from Government
Tagihan kepada Receivables from
2. 789,967 635,000 789,967 168,500 307,592 32%
Entitas Sektor Publik Public Sector Entities
Tagihan kepada Bank Receivables from Multilateral
3. Pembangunan Multilateral - 53,157 - 53,157 26,578 50% Development Banks and
dan Lembaga Internasional International Institutions
4. Tagihan kepada Bank 1,647,371 10,461 1,647,371 4,184 460,099 28% Receivables from Banks
Receivables from Securities
Tagihan kepada Perusahaan Efek
3,342,875 1,899,969 3,327,875 221,497 1,082,392 30% Companies and Other Financial
dan Lembaga Jasa Keuangan Lain1)
Services Institutions1)
Receivables in the form
5. Tagihan berupa Covered Bond - - - - - 0%
of Covered Bond
Tagihan kepada Korporasi - Receivables from Corporations -
6. 8,553,381 2,406,948 7,314,073 1,550,980 7,645,305 86%
Eksposur Korporasi Umum2) General Corporate Exposure2)
Receivables from Securities
Tagihan kepada Perusahaan Efek
- - - - - 0% Companies and Other Financial
dan Lembaga Jasa Keuangan Lain3)
Services Institutions3)
Eksposur Pembiayaan Khusus4) - - - - - 0% Special financing exposure4)
Receivables in the from
Tagihan berupa Surat Berharga/
Subordinated Securities/
Laporan Tahunan dan Keberlanjutan 2024 Annual and Sustainability Report | PT Bank Victoria International Tbk
7. Piutang Subordinasi, Ekuitas, dan 215,931 - 215,931 539,826 250%
Receivables, Equity, and Other
Instrumen Modal Lainnya
Capital Instruments
Tagihan kepada Usaha Mikro, Receivables from Microbusiness,
369
8. 2,413,356 760,111 1,923,052 304,044 1,893,032 85%
Usaha Kecil, dan Portofolio Ritel Small Business, and Retail Portfolio
Page 372
(dalam juta Rupiah, kecuali dimyatakan lain / in million Rupiah, unless stated otherwise)
370
Tagihan Bersih Sebelum Tagihan Bersih Setelah
Penerapan FKK dan Teknik MRK Penerapan FKK dan Teknik MRK
ATMR dan Rata-Rata Bobot Risiko
Net Receivables Before Net Receivables After
RWA and Risk Weight Average
Implementation of FKK and Implementation of FKK and
MRK Techniques MRK Techniques
No. Kategori Portofolio Rata-Rata Portfolio Category
Laporan Posisi Laporan Posisi
Bobot Risiko
Keuangan Keuangan
(e/(c+d))
Statements TRA Statements TRA ATMR
Risk Weight
of Financial of Financial
Average
Position Position
(e/(c+d))
a b c d e f
9. Kredit Beragun Properti 0% Property Collateralized Loans
Kredit Beragun Properti Rumah Residential Property Collateralized
Tinggal yang Pembayarannya Loans which the Payments are Not
150,868 - 150,868 - 74,430 49%
Tidak Bergantung secara Material Materially Dependent on Property
pada Arus Kas Properti Cash Flow
Kredit Beragun Properti Rumah Residential Property Collateralized
Tinggal yang Pembayarannya Loans which the Payments are
- - - - - 0%
Bergantung secara Material Materially Dependent on Property
pada Arus Kas Properti Cash Flow
Kredit Beragun Properti Komersial Commercial Property Collateralized
yang Pembayarannya Tidak Loans which the Payments are Not
Capital Structure and Risk Management
- - - - - 0%
Bergantung secara Material Materially Dependent on Property
pada Arus Kas Properti Cash Flow
Kredit Beragun Properti Komersial Commercial Property Collateralized
Struktur Permodalan dan Manajemen Risiko
yang Pembayarannya Bergantung Loans which the Payments are
2,919,842 575,368 2,919,842 230,147 2,802,719 89%
secara Material pada Arus Kas Materially Dependent on Property
Properti Cash Flow
Kredit Pengadaan Tanah, Land Acquisition, Land Processing,
10. - - - - - 0%
Pengolahan Tanah, dan Konstruksi and Construction Loans
PT Bank Victoria International Tbk | Laporan Tahunan dan Keberlanjutan 2024 Annual and Sustainability Report
11. Tagihan yang Telah Jatuh Tempo 585,719 - 585,719 - 792,605 135% Due Receivables
12. Aset Lainnya 1,183,389 - 1,183,389 - 1,365,877 115% Other Assets
Total 27,914,096 6,341,014 26,169,485 2,532,510 16,990,456 59% Total
2) Pengungkapan Tambahan / Additional Disclosure
1. Bank tidak memiliki eksposur risiko kredit dan dampak teknik MRK secara konsolidasi karena berdasarkan Surat Peraturan Otoritas Jasa Keuangan No. S-301/PB.101/2022 Perihal Penyampaian Keputusan Izin
Pengambilalihan Saham PT Bank Victoria Syariah oleh PT Victoria Investama Tbk dan Surat Direksi No. 133/DIR-EKS/12/22 Perihal Laporan Pelaksanaan Divestasi Atas Inisiatif Sendiri PT Bank Victoria International
Tbk (Bank), maka dengan demikian PT Bank Victoria Syariah tidak lagi menjadi entitas anak PT Bank Victoria International Tbk.
1. The Bank has no exposure to credit risk and the impact of MRK techniques on a consolidated basis due to based on Financial Services Authority Letter No. S-301/PB.101/2022 on Submission of the Decision on Permit to
the Acquisition of PT Bank Victoria Syariah’s Shares by PT Victoria Investama Tbk and Board of Directors’ Decision Letter No. 113/DIR-EKS/12/22 on the Divestment Implementation Report on PT Bank Victoria
International Tbk’s (Bank) Self Initiative, therefore, PT Bank Victoria Syariah is no longer a subsidiary of PT Bank Victoria International Tbk.
Page 373
Pengungkapan Eksposur Berdasarkan Kelas Aset dan Bobot Risiko (CR5)
Disclosure of Exposure by Asset Class and Risk Weight (CR5)
1) Bank secara Individual / Bank Individually
(dalam juta Rupiah / in million Rupiah)
Tagihan Bersih Setelah
Kategori Portofolio Lainnya FKK dan Teknik MRK
No. 0% 20% 50% 100% 150%
Portfolio Category Other Net Receivables After
FKK and MRK Techniques
Tagihan kepada Pemerintah
1. Receivables from 6,111,398 - - - - 6,111,398
Government
Tagihan Bersih Setelah
Kategori Portofolio Lainnya FKK dan Teknik MRK
No. 20% 50% 100% 150%
Portfolio Category Other Net Receivables After
FKK and MRK Techniques
Tagihan kepada Entitas
Sektor Publik
2. 897,174 153,748 - - - 1,050,922
Receivables from Public
Sector Entities
Tagihan Bersih Setelah
Kategori Portofolio Lainnya FKK dan Teknik MRK
No. 0% 20% 30% 50% 100% 150%
Portfolio Category Other Net Receivables After
FKK and MRK Techniques
Tagihan kepada Bank
Pembangunan Multilateral
dan Lembaga Internasional
3. - - - 53,157 - - 53,157
Receivables from Multilateral
Development Banks and
International Institutions
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371
Page 374
(dalam juta Rupiah / in million Rupiah)
372
Tagihan Bersih Setelah
Kategori Portofolio Lainnya FKK dan Teknik MRK
No. 20% 30% 40% 50% 75% 100% 150%
Portfolio Category Other Net Receivables After
FKK and MRK Techniques
Tagihan kepada Bank
285,247 - 14,005 - - - - - 299,252
Receivables from Banks
Tagihan kepada Perusahaan
4. Efek dan Lembaga Jasa
Keuangan Lainnya1)
2,126,119 752,167 823,638 17,706 - - - - 3,719,629
Receivables from Securities
Companies and Other Financial
Services Institutions1)
Tagihan Bersih Setelah
Kategori Portofolio Lainnya FKK dan Teknik MRK
No. 10% 15% 20% 25% 35% 50% 100%
Portfolio Category Other Net Receivables After
FKK and MRK Techniques
Tagihan berupa Covered Bond
5. Receivables in the form of - - - - - - - -
Covered Bond
Tagihan Bersih Setelah
Kategori Portofolio Lainnya FKK dan Teknik MRK
Capital Structure and Risk Management
No. 20% 50% 65% 75% 80% 85% 100% 130% 150%
Portfolio Category Other Net Receivables After
FKK and MRK Techniques
Struktur Permodalan dan Manajemen Risiko
Tagihan kepada Korporasi
Umum2)
753,715 1,660,658 - 174,151 - 1,218,601 7,341,672 - - - 11,148,796
Receivables from General
Corporations2)
Tagihan kepada Perusahaan
Efek dan Lembaga Jasa
PT Bank Victoria International Tbk | Laporan Tahunan dan Keberlanjutan 2024 Annual and Sustainability Report
6.
Keuangan Lain3)
- - - - - - - - 0
Receivables from Securities
Companies and Other
Financial Services Institutions3)
Eksposur Pembiayaan Khusus4)
- - - - - - - - 0
Special Financing Exposure4)
Page 375
Tagihan Bersih Setelah
Kategori Portofolio Lainnya FKK dan Teknik MRK
No. 100% 150% 250% 400%
Portfolio Category Other Net Receivables After
FKK and MRK Techniques
Tagihan kepada Surat Berharga/
Piutang Subordinasi, Ekuitas,
dan Instrumen Modal lainnya
7. Receivables in the form of - - 219,934 - - 219,934
Subordinated Securities/
Receivables, Equity, and
Other Capital Instruments
Tagihan Bersih Setelah
Kategori Portofolio Lainnya FKK dan Teknik MRK
No. 45% 75% 85% 100%
Portfolio Category Other Net Receivables After
FKK and MRK Techniques
Tagihan kepada Usaha Mikro,
Usaha Kecil, dan Portofolio Ritel
8. Receivables from - - 2,147,423 - - 2,147,423
Microbusiness, Small Business,
and Retail Portfolio
Laporan Tahunan dan Keberlanjutan 2024 Annual and Sustainability Report | PT Bank Victoria International Tbk
373
Page 376
(dalam juta Rupiah / in million Rupiah)
Tagihan
374
Bersih
Setelah FKK
Kategori dan Teknik
Portofolio Lainnya MRK
No. 0%5) 20% 25% 30% 35% 40% 45% 50% 60% 65%5) 70% 75% 85% 90% 100% 105% 110% 150%
Portfolio Other Net
Category Receivables
After FKK
and MRK
Techniques
Kredit Beragun
Properti
9. Property - - - - - - - - - - - - - - - - - - - -
Collateralized
Loans
Kredit Beragun
Properti Rumah
Tinggal yang
Pembayarannya
Tidak Bergantung
Secara Material
pada Arus Kas
Properti
Residential - 18,745 9,365 38,697 5,169 2,721 - 75,861 - - - - - 150,558
Property
Collateralized
Loans which the
Payments are
Not Materially
Dependent on
Capital Structure and Risk Management
Property Cash
Flow
Tanpa
Pendekatan
Struktur Permodalan dan Manajemen Risiko
Pembagian
Kredit5) - - - - - - - - - - - - - -
Without
Loan Sharing
Approach5)
Dengan
PT Bank Victoria International Tbk | Laporan Tahunan dan Keberlanjutan 2024 Annual and Sustainability Report
Menggunakan
Pendekatan
Pembagian
Kredit
- - -
(Dijamin)5)
Using a Loan
Sharing
Approach
(Guaranteed)5)
Page 377
Tagihan
Bersih
Setelah FKK
Kategori dan Teknik
Portofolio Lainnya MRK
No. 0%5) 20% 25% 30% 35% 40% 45% 50% 60% 65%5) 70% 75% 85% 90% 100% 105% 110% 150%
Portfolio Other Net
Category Receivables
After FKK
and MRK
Techniques
Dengan
Menggunakan
Pendekatan
Pembagian
Kredit
- - - - - - - - - - - -
(Dijamin)5)
Using a Loan
Sharing
Approach
(Guaranteed)5)
Kredit Beragun
Properti Rumah
Tinggal yang
Pembayarannya
Bergantung
Secara Material
pada Arus Kas
Properti
Residential - - - - - - - - -
Property
Collateralized
Loans which
the Payments
are Materially
Dependent on
Property Cash
Flow
Kredit Beragun
Properti
Komersial yang
Pembayarannya
Tidak Bergantung
Secara Material
pada Arus Kas
Properti
Commercial - - - - - - - - - - - - -
Property
Collateralized
Loans which the
Payments are
Not Materially
Laporan Tahunan dan Keberlanjutan 2024 Annual and Sustainability Report | PT Bank Victoria International Tbk
Dependent on
Property Cash
Flow
375
Page 378
(dalam juta Rupiah / in million Rupiah)
Tagihan
376
Bersih
Setelah FKK
Kategori dan Teknik
Portofolio Lainnya MRK
No. 0%5) 20% 25% 30% 35% 40% 45% 50% 60% 65%5) 70% 75% 85% 90% 100% 105% 110% 150%
Portfolio Other Net
Category Receivables
After FKK
and MRK
Techniques
Tanpa
Pendekatan
Pembagian
Kredit5) - - - - - - - -
Without
Loan Sharing
Approach5)
Dengan
Menggunakan
Pendekatan
Pembagian
Kredit
- - -
(Dijamin)5)
Using A Loan
Sharing
Approach
(Guaranteed)5)
Dengan
Menggunakan
Pendekatan
Capital Structure and Risk Management
Pembagian
Kredit
- - - - - - - - - - - -
(Dijamin)5)
Using A Loan
Struktur Permodalan dan Manajemen Risiko
Sharing
Approach
(Guaranteed)5)
Kredit Beragun
Properti
Komersial yang
PT Bank Victoria International Tbk | Laporan Tahunan dan Keberlanjutan 2024 Annual and Sustainability Report
Pembayarannya
Bergantung
Secara Material
pada Arus Kas
Properti
Commercial 1,079,726 739,603 1,685,375 - - 3,504,704
Property
Collateralized
Loans which
the Payments
are Materially
Dependent on
Property Cash
Flow
Page 379
Tagihan
Bersih
Setelah FKK
Kategori dan Teknik
Portofolio Lainnya MRK
No. 0%5) 20% 25% 30% 35% 40% 45% 50% 60% 65%5) 70% 75% 85% 90% 100% 105% 110% 150%
Portfolio Other Net
Category Receivables
After FKK
and MRK
Techniques
Kredit
Pengadaan
Tanah,
Pengolahan
Tanah, dan
Konstruksi5)
- - - -
Land
Acquisition,
Land
Processing, and
Construction
Loans5)
(dalam juta Rupiah / in million Rupiah)
Tagihan Bersih Setelah
Kategori Portofolio Lainnya FKK dan Teknik MRK
No. 50% 100% 150%
Portfolio Category Other Net Receivables After
FKK and MRK Techniques
Tagihan yang Telah
10. Jatuh Tempo 6,763 329,956 108,431 - 445,151
Due Receivables
(dalam juta Rupiah / in million Rupiah)
Tagihan Bersih Setelah
Kategori Portofolio Lainnya FKK dan Teknik MRK
No. 0% 20% 100% 150% 1,250%5)
Portfolio Category Other Net Receivables After
FKK and MRK Techniques
Aset Lainnya
11. 71,600 - 593,276 378,984 - - 1,043,860
Other Assets
Laporan Tahunan dan Keberlanjutan 2024 Annual and Sustainability Report | PT Bank Victoria International Tbk
377
Page 380
(dalam juta Rupiah kecuali dinyatakan lain / in million Rupiah, unless stated otherwise)
Tagihan Bersih
378
Tagihan Bersih Laporan Tagihan Bersih TRA
(Setelah Pengenaan FKK dan
Bobot Risiko Posisi Keuangan (Sebelum Pengenaan FKK) Rata - Rata FKK
No. Teknik MRK)
Risk Weight Net Receivables Statement of Net Receivables TRA FKK Average
Net Receivables
Financial Position (before FKK imposition)
(After FKK and MRK Techniques)
1. <40% 11,885,390 1,647,500 22% 12,050,140
2. 40% - 70% 3,616,587 1,145,683 45% 3,842,517
3. 75% 174,151 - 0% 174,151
4. 85% 2,718,787 2,486,157 53% 3,366,024
5. 90% - 100% 9,848,310 5,842 40% 9,004,506
6. 105% - 130% 1,658,255 67,800 40% 1,685,375
7. 150% 487,416 - 0% 487,416
8. 250% 219,934 - 0% 219,934
9. 400% - - 0% -
10. 1,250% - - 0% -
Total Tagihan Bersih
11. 30,608,829 5,352,982 20% 30,830,062
Total Net Receivables
2) Pengungkapan Tambahan / Additional Disclosure
1. Bank tidak memiliki eksposur risiko kredit dan dampak teknik MRK secara konsolidasi karena berdasarkan Surat Otoritas Jasa Keuangan No. S-301/PB.101/2022 Perihal Penyampaian Keputusan Izin Pengambilalihan
Capital Structure and Risk Management
Saham PT Bank Victoria Syariah oleh PT Victoria Investama Tbk dan Surat Direksi No. 133/DIR-EKS/12/22 Perihal Laporan Pelaksanaan Divestasi atas Inisiatif Sendiri PT Bank Victoria International Tbk (Bank),
maka dengan demikian PT Bank Victoria Syariah tidak lagi menjadi Entitas Anak PT Bank Victoria International Tbk.
Struktur Permodalan dan Manajemen Risiko
1. The Bank has no exposure to credit risk and the impact of MRK techniques on a consolidated basis due to based on Financial Services Authority Letter No. S-301/PB.101/2022 on Submission of the Decision on Permit
to the Acquisition of PT Bank Victoria Syariah’s Shares by PT Victoria Investama Tbk and Board of Directors’ Decision Letter No. 113/DIR-EKS/12/22 on the Divestment Implementation Report on PT Bank Victoria
International Tbk’s (Bank) Self Initiative, therefore, PT Bank Victoria Syariah is no longer a subsidiary of PT Bank Victoria International Tbk.
Tabel Pengungkapan Analisis Eksposur Counterparty Credit Risk (CCR1)
Table of Disclosure of Exposure Analysis of Counterparty Credit Risk (CCR1)
PT Bank Victoria International Tbk | Laporan Tahunan dan Keberlanjutan 2024 Annual and Sustainability Report
Bank tidak memiliki eksposur Counterparty Credit Risk (CCR1).
The Bank has no exposure of Counterparty Credit Risk (CCR1).
Page 381
Tabel Pengungkapan Eksposur CCR Berdasarkan Kategori Portofolio dan Bobot Risiko (CCR3)
Table CCR Exposure by Portfolio Category and Risk Weight (CCR3)
(dalam juta Rupiah / in million Rupiah)
31 Desember 2024
31 December 2024
Bobot Risiko Risk Weight
a b c d e f g h i
Total
Tagihan
Lainnya
0% 10% 20% 50% 75% 100% 150% Bersih
Kategori Portofolio Other Portfolio Category
Total Net
Receivables
Indonesia - - - - - - - - - Indonesia
Tagihan kepada Pemerintah Claims against Government
- - - - - - - - -
dan Bank Sentral and Central Bank
Tagihan kepada Entitas Claims against Public
- - - - - - - - -
Sektor Publik Sector Entities
Tagihan kepada Bank Claims against Multilateral
Pembangunan Multilateral - - - - - - - - - Development Banks and
dan Lembaga Internasional International Institutions
Tagihan kepada Bank Lain - - 197,776 - - - - - 197,776 Receivables from Other Banks
Receivables in the form of
Tagihan berupa Covered Bond - - - - - - - - -
Covered Bond
Tagihan kepada Perusahaan Efek Receivables from Securities
dan Lembaga Jasa Keuangan - - - - - - - - - Companies and Other Financial
Lainnya Services Institutions
Receivables in the form of
Tagihan berupa Surat Berharga/
Subordinated Securities/
Piutang Subordinasi, Ekuitas, - - - - - - - - -
Receivables, Equity and Other
dan Instrumen Modal Lainnya
Capital Instruments
Kredit Beragunan Properti Residential Property
- - - - - - - - -
Rumah Tinggal Collateralized Loans
Kredit Beragunan Properti Commercial Property
- - - - - - - - -
Komersial Collateralized Loans
Kredit untuk Pengadaan Tanah, Loan by Land Acquisition, Land
- - - - - - - - -
Pengolahan Tanah, dan Konstruksi Processing, and Construction
Kredit Pegawai/Pensiunan - - - - - - - - - Employee/Retirement Loans
Laporan Tahunan dan Keberlanjutan 2024 Annual and Sustainability Report | PT Bank Victoria International Tbk
Tagihan kepada Korporasi - - - - - - - - - Receivables from Corporations
379
Page 382
(dalam juta Rupiah / in million Rupiah)
380
31 Desember 2024
31 December 2024
Bobot Risiko Risk Weight
a b c d e f g h i
Total
Tagihan
Lainnya
0% 10% 20% 50% 75% 100% 150% Bersih
Kategori Portofolio Other Portfolio Category
Total Net
Receivables
Tagihan kepada Usaha Mikro, Receivables from Microbusiness,
- - - - - - - - -
Usaha Kecil, dan Portofolio Ritel Small Business, and Retail Portfolio
Tagihan yang Telah Jatuh Tempo - - - - - - - - - Due Receivables
Aset lainnya - - - - - - - - - Other Assets
Total - - 197,776 - - - - - 197,776 Total
(dalam juta Rupiah / in million Rupiah)
31 Desember 2023
31 December 2023
Bobot Risiko Risk Weight
a b c d e f g h i
Total
Tagihan
Capital Structure and Risk Management
Lainnya
0% 10% 20% 50% 75% 100% 150% Bersih
Kategori Portofolio Other Portfolio Category
Total Net
Receivables
Struktur Permodalan dan Manajemen Risiko
Indonesia - - - - - - - - - Indonesia
Tagihan kepada Pemerintah Claims against Government
- - - - - - - - -
dan Bank Sentral and Central Bank
Tagihan kepada Entitas Claims against Public
- - - - - - - - -
PT Bank Victoria International Tbk | Laporan Tahunan dan Keberlanjutan 2024 Annual and Sustainability Report
Sektor Publik Sector Entities
Tagihan kepada Bank Claims against Multilateral
Pembangunan Multilateral - - - - - - - - - Development Banks and
dan Lembaga Internasional International Institutions
Tagihan kepada Bank Lain - - 637,703 - - - - - 637,703 Receivables from Other Banks
Receivables in the form
Tagihan berupa Covered Bond - - - - - - - - -
of Covered Bond
Tagihan kepada Perusahaan Efek Receivables from Securities
dan Lembaga Jasa Keuangan - - - - - - - - - Companies and Other Financial
Lainnya Services Institutions
Page 383
31 Desember 2023
31 December 2023
Bobot Risiko Risk Weight
a b c d e f g h i
Total
Tagihan
Lainnya
0% 10% 20% 50% 75% 100% 150% Bersih
Kategori Portofolio Other Portfolio Category
Total Net
Receivables
Receivables in the form of
Tagihan berupa Surat Berharga/
Subordinated Securities/
Piutang Subordinasi, Ekuitas, - - - - - - - - -
Receivables, Equity, and Other
dan Instrumen Modal Lainnya
Capital Instruments
Kredit Beragunan Properti Residential Property
- - - - - - - - -
Rumah Tinggal Collateralized Loans
Kredit Beragunan Commercial Property
- - - - - - - - -
Properti Komersial Collateralized Loans
Kredit untuk Pengadaan Tanah, Loan by Land Acquisition, Land
- - - - - - - - -
Pengolahan Tanah, dan Konstruksi Processing, and Construction
Kredit Pegawai/Pensiunan - - - - - - - - - Employee/Retirement Loans
Tagihan kepada Korporasi - - - - - - - - - Receivables from Corporations
Tagihan kepada Usaha Mikro, Receivables from Microbusiness,
- - - - - - - - -
Usaha Kecil, dan Portofolio Ritel Small Business, and Retail Portfolio
Tagihan yang Telah Jatuh Tempo - - - - - - - - - Due Receivables
Aset lainnya - - - - - - - - - Other Assets
Total - - 637,703 - - - - - 637,703 Total
Tabel Pengungkapan Tagihan Bersih Derivatif Kredit (CCR6)
Table of Disclosure of Net Receivables of Credit Derivative (CCR6)
Bank tidak memiliki eksposur Derivatif Kredit (CCR6)
The Bank has no Credit Derivative Exposure (CCR6)
Laporan Tahunan dan Keberlanjutan 2024 Annual and Sustainability Report | PT Bank Victoria International Tbk
381
Page 384
Tabel Eksposur Sekuritisasi pada Banking Book (Tabel SEC1)
Disclosure of Securitization Exposures in the Banking Book (Tabel SEC1)
382
1) Bank secara Individual / Bank Individually
(dalam juta Rupiah / in million Rupiah)
31 Desember 2024
31 December 2024
a b c e f g i j k
No. Kategori Portofolio Bank sebagai Originator Bank sebagai Sponsor Bank sebagai Investor Portofolio Category
Bank as Originator Bank as Sponsor Bank as Investor
Tradisional Sintetis Tradisional Sintetis Tradisional Sintetis
Subtotal Subtotal Subtotal
Traditional Synthetic Traditional Synthetic Traditional Synthetic
Ritel (Total) – Retail (Total) -
1. - - - - - - 1,011 - 1,011
Antara Lain Among Others
2. Kredit Perumahan - - - - - - 1,011 - 1,011 Housing Loans
3. Kartu Kredit - - - - - - - - - Credit Cards
4. Eksposur Ritel Lainnya - - - - - - - - - Other Retail Exposures
5. Re-Sekuritisasi - - - - - - - - - Re-Securitization
Non-Ritel (Total) – Non-Retail (Total) -
6. - - - - - - - - -
Antara Lain Among Others
7. Kredit Korporasi - - - - - - - - - Corporate Loans
Capital Structure and Risk Management
8. Kredit Komersil - - - - - - - - - Commercial Credit
Rent and Accounts
9. Sewa dan Piutang - - - - - - - - -
Receivable
Struktur Permodalan dan Manajemen Risiko
10. Non-Ritel Lainnya - - - - - - - - - Other Non-Retail
11. Re-Sekuritisasi - - - - - - - - - Re-Securitization
PT Bank Victoria International Tbk | Laporan Tahunan dan Keberlanjutan 2024 Annual and Sustainability Report
Page 385
(dalam juta Rupiah / in million Rupiah)
31 Desember 2023
31 December 2023
a b c e f g i j k
No. Kategori Portofolio Bank sebagai Originator Bank sebagai Sponsor Bank sebagai Investor Portofolio Category
Bank as Originator Bank as Sponsor Bank as Investor
Tradisional Sintetis Tradisional Sintetis Tradisional Sintetis
Subtotal Subtotal Subtotal
Traditional Synthetic Traditional Synthetic Traditional Synthetic
Retail (Total) – Retail (Total) -
1. - - - - - - 8,593 - 8,593
Antara Lain Among Others
2. Kredit Perumahan - - - - - - 8,593 - 8,593 Housing Loans
3. Kartu Kredit - - - - - - - - - Credit Cards
4. Eksposur Ritel Lainnya - - - - - - - - - Other Retail Exposures
5. Re-Sekuritisasi - - - - - - - - - Re-Securitization
Non-Retail (Total) – Non-Retail (Total) -
6. - - - - - - - - -
Antara Lain Among Others
7. Kredit Korporasi - - - - - - - - - Corporate Loans
8. Kredit Komersil - - - - - - - - - Commercial Credit
Rent and Accounts
9. Sewa dan Piutang - - - - - - - - -
Receivable
10. Non-Retail Lainnya - - - - - - - - - Other Non-Retail
11. Re-Sekuritisasi - - - - - - - - - Re-Securitization
Analisis Kualitatif
Qualitative Analysis
Bank melakukan investasi pada pihak ketiga (produk EBA) yang mempunyai peringkat investment grade AAA s.d AA- sebagai upaya untuk mendiversifikasi risiko likuiditas (liquidity facility) dan return.
Bank invests in third parties (ABS products) with investment grade ratings of AAA to AA- as an effort to diversify liquidity risk (liquidity facility) and returns.
Tabel Eksposur Sekuritisasi pada Trading Book (Tabel SEC2)
Table of Securitization Exposure in the Trading Book (Table SEC2)
Bank tidak memiliki eksposur sekuritisasi pada trading book.
The Bank has no securitization exposure in the trading book.
Laporan Tahunan dan Keberlanjutan 2024 Annual and Sustainability Report | PT Bank Victoria International Tbk
Tabel Eksposur Sekuritisasi pada Banking Book dan Terkait Persyaratan Modalnya – Bank yang Bertindak sebagai Originator atau Sponsor (SEC3)
Table of Securitization Exposure in the Banking Book and Related to its Capital Requirements – Bank Acting as Originator or Sponsor (SEC3)
383
Bank tidak memiliki eksposur sekuritisasi pada Banking Book sebagai Originator atau Sponsor.
The Bank has no securitization exposure in the Banking Book as Originator or Sponsor.
Page 386
Tabel Eksposur Sekuritisasi pada Banking Book dan Persyaratan Modalnya – Bank yang Bertindak sebagai Investor (SEC4)
Table of Securitization Exposure in Banking Book and Related to Its Capital Requirements – Bank Acting as Investor (SEC4)
384
(dalam juta Rupiah / in million Rupiah)
31 Desember 2024
31 December 2024
a b c d e f g h i j k l m n o p q
Nilai Eksposur (Berdasarkan ATMR (Berdasarkan Regulatory
Nilai Eksposur (Berdasarkan Bobot Risiko) Regulatory Approach) Approach)
Capital Charge After Cap
Exposure Value (Based on Risk Weight) Exposure Value ATMR (Based on Regulatory
Kategori (Based on Regulatory Approach) Approach) Portofolio
No. Portofolio >50% >100% Category
>20%
≤20% to 100% to <1.250 1.250%
to 50%
Bobot Bobot % Bobot Bobot
Bobot
Risiko Risiko Risiko Risiko IRB IRB SA/ IRB IRB SA/ IRB IRB SA/
Risiko 1,250% 1,250% 1,250%
≤20% >50% to >100% to 1,250% RBA SFA SSFA RBA SFA SSFA RBA SFA SSFA
>20% to
Risk 100% <1,250% Risk
50% Risk
Weighted Risk Risk Weighted
Weighted
Weighted Weighted
1. Total Eksposur 1,011 - - - - - 1,011 - - 202 - - 202 - Total Exposure
Sekuritisasi Traditional
2. 1,011 - - - - - 1,011 - - 202 - - 202 -
Tradisional Securitization
Dimana In which the
3. Underlying 1,011 - - - - - 1,011 - - 202 - - 202 - Underlying
Sekuritisasi Securitization
Capital Structure and Risk Management
4. Ritel 1,011 - - - - - 1,011 - - 202 - - 202 - Retail
5. Non-ritel - - - - - - - - - - - - - - Non-Retail
Struktur Permodalan dan Manajemen Risiko
Dimana In which
6. - - - - - - - - - - - - - -
Re-Sekuritisasi Re-Securitization
7. Senior - - - - - - - - - - - - - - Senior
8. Non-Senior - - - - - - - - - - - - - - Non-Senior
Sekuritisasi Synthetic
PT Bank Victoria International Tbk | Laporan Tahunan dan Keberlanjutan 2024 Annual and Sustainability Report
9. - - - - - - - - - - - - - -
Sintetis Securitization
Dimana In which the
10. Underlying - - - - - - - - - - - - - - Underlying
Sekuritisasi Securitization
11. Ritel - - - - - - - - - - - - - - Retail
12. Non-Ritel - - - - - - - - - - - - - - Non-Retail
Dimana In which
13. - - - - - - - - - - - - - -
Re-Sekuritisasi Re-Securitization
14. Senior - - - - - - - - - - - - - - Senior
15. Non-Senior - - - - - - - - - - - - - - Non-Senior
Page 387
(dalam juta Rupiah / in million Rupiah)
31 Desember 2023
31 December 2023
a b c d e f g h i j k l m n o p q
Nilai Eksposur (Berdasarkan ATMR (Berdasarkan Regulatory
Nilai Eksposur (Berdasarkan Bobot Risiko) Regulatory Approach) Approach)
Capital Charge After Cap
Exposure Value (Based on Risk Weight) Exposure Value ATMR (Based on Regulatory
Kategori (Based on Regulatory Approach) Approach) Portofolio
No. Portofolio Category
>100%
>20% >50%
to <1.250 1.250%
≤20% to 50% to 100%
% Bobot Bobot
Bobot Bobot Bobot
Risiko Risiko IRB IRB SA/ IRB IRB SA/ IRB IRB SA/
Risiko Risiko Risiko 1,250% 1,250% 1,250%
>100% to 1,250% RBA SFA SSFA RBA SFA SSFA RBA SFA SSFA
≤20% Risk >20% to >50% to
<1,250% Risk
Weighted 50% Risk 100% Risk
Risk Weighted
Weighted Weighted
Weighted
1. Total Eksposur 8,593 - - - - - 8,593 - - 1,719 - - 1,719 - Total Exposure
Sekuritisasi Traditional
2. 8,593 - - - - - 8,593 - - 1,719 - - 1,719 -
Tradisional Securitization
Dimana In which the
3. Underlying 8,593 - - - - - 8,593 - - 1,719 - - 1,719 - Underlying
Sekuritisasi Securitization
4. Ritel 8,593 - - - - - 8,593 - - 1,719 - - 1,719 - Retail
5. Non-Ritel - - - - - - - - - - - - - - Non-Retail
Dimana In which
6. - - - - - - - - - - - - - -
Re-Sekuritisasi Re-Securitization
7. Senior - - - - - - - - - - - - - - Senior
8. Non-Senior - - - - - - - - - - - - - - Non-Senior
Sekuritisasi Synthetic
9. - - - - - - - - - - - - - -
Sintetis Securitization
Dimana In which the
10. Underlying - - - - - - - - - - - - - - Underlying
Sekuritisasi Securitization
11. Ritel - - - - - - - - - - - - - - Retail
12. Non-Ritel - - - - - - - - - - - - - - Non-retail
Dimana In which
13. - - - - - - - - - - - - - -
Re-Sekuritisasi Re-Securitization
14. Senior - - - - - - - - - - - - - - Senior
15. Non-Senior - - - - - - - - - - - - - - Non-Senior
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Analisis Kualitatif
Qualitative Analysis
386
Untuk eksposur sekuritisasi pada banking book, perhitungan ATMR risiko kredit dilakukan dengan menggunakan pendekatan standar (standardized approach), dimana sekuritisasi tersebut memiliki
investment grade AAA s.d AA- yang memiliki bobot 20% pada perhitungan ATMR.
For securitization exposure in the banking book, credit risk RWA is calculated by using a standardized approach, in which the securitization has investment grade of AAA to AA- with a 20% weight in RWA calculation.
Tabel Pengungkapan Risiko Pasar dengan Menggunakan Metode Standar
Table of Disclosure of Market Risk Using Standardized Method
1) Bank secara Individual / Bank Individually
(dalam juta Rupiah / in million Rupiah)
Beban Modal Pendekatan Standar
Desember 2024
No. Risiko Risk
Standard Approach Capital Expenses
December 2024
1. Risiko GIRR 20 GIRR Risk
2. Risiko CSR Non-Sekuritisasi 0 CSR Risk Non-Securitization
3. Risiko CSR Sekuritisasi Non-CTP - CSR Risk Securitization Non-CTP
4. Risiko CSR Sekuritisasi CTP - CSR Risk Securitization CTP
5. Risiko Ekuitas - Equity Risk
6. Risiko Komoditas - Commodity Risk
7. Risiko Nilai Tukar 62,393 Exchange Rate Risk
8. DRC - Non-sekuritisasi - DRC - Non-Securitization
Capital Structure and Risk Management
9. DRC - Sekuritisasi Non-CTP - DRC - Securitization Non-CTP
10. DRC - Sekuritisasi CTP - DRC - Securitization CTP
Struktur Permodalan dan Manajemen Risiko
11. RRAO - RRAO
12. Total 62,414 Total
Tabel Interest Rate Risk in Banking Book - Laporan Penerapan Manajemen Risiko untuk IRRBB
Table of Interest Rate Risk in the Banking Book - Report on Risk Management Implementation for IRRBB
PT Bank Victoria International Tbk | Laporan Tahunan dan Keberlanjutan 2024 Annual and Sustainability Report
Bank berada dalam Buku 2 (Kelompok Bank Modal Inti/KBMI 1, berdasarkan Peraturan Otoritas Jasa Keuangan No. 12/POJK.03/2021) dan tidak memenuhi kriteria untuk mengungkapkan laporan perhitungan Interest
Rate Risk in Banking Book (IRRBB) sesuai Surat Edaran Otoritas Jasa Keuangan No. 12/SEOJK.03/2018 tanggal 21 Agustus 2018 tentang Penerapan Manajemen Risiko dan Pengukuran Risiko Pendekatan Standar untuk
Risiko Suku Bunga dalam Banking Book (IRRBB) bagi Bank Umum. Dalam hal mengendalikan risiko suku bunga pada banking book, Bank menggunakan analisa sensitivitas berdasarkan maturity gap yang disusun dalam
rangka pemenuhan ketentuan mengenai penilaian tingkat kesehatan Bank Umum dan penerapan manajemen risiko bagi Bank Umum. Parameter tersebut dapat memberikan indikasi atas risiko terhadap perspektif nilai
ekonomis dan perspektif pendapatan Bank yang timbul dari pergerakan skenario suku bunga dalam kondisi shock yang mempengaruhi posisi banking book pada Bank.
The Bank is in BUKU 2 group (Core Capital Bank Group/KBMI 1, based on Financial Services Authority Regulation No. 12/POJK.03/2021) and does not meet the criteria for disclosing a report on the calculation of Interest
Rate Risk in Banking Book (IRRBB) according to Financial Services Authority Circular No. 12/SEOJK.03/2018 dated 21 August 2018 on Implementation of Risk Management and Standard Approach for Risk Measurement
for Interest Rate Risk in the Banking Book (IRRBB) for Commercial Banks. In terms of controlling interest rate risk in the banking book, the Bank uses a sensitivity analysis based on a maturity gap which is prepared in
order to comply with the provisions on assessment of soundness level of Commercial Banks and the implementation of risk management for Commercial Banks. These parameters can provide an indication of risks to
the economic value perspective and the Bank’s income perspective arising from fluctuations in interest rate scenarios under shock conditions that affect the banking book position at the Bank.
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Tabel Interest Rate Risk in Banking Book - Laporan Perhitungan IRRBB
Table of Interest Rate Risk in Banking Book - IRRBB Calculation Report
Bank kelompok BUKU 2 (Kelompok Bank Modal Inti/KBMI 1, berdasarkan Peraturan Otoritas Jasa Keuangan No. 12/POJK.03/2021) dan tidak mengungkapkan laporan perhitungan Interest Rate Risk in Banking Book
(IRRBB) sebagaimana diatur didalam Surat Edaran Otoritas Jasa Keuangan No. 12/SEOJK.03/2018.
The Bank is in BUKU 2 group (Core Capital Bank Group/KBMI 1, based on Financial Services Authority Regulation No. 12/POJK.03/2021) and does not report the calculation of Interest Rate Risk in Banking Book (IRRBB)
as stipulated in the Financial Services Authority Circular No. 12/SEOJK.03/2018.
Tabel Pengungkapan Risiko Likuiditas
Table of Disclosure of Liquidity Risk
Pengungkapan Laporan Perhitungan Rasio Kecukupan Likuiditas (LCR)
Disclosure of Liquidity Coverage Ratio (LCR) Calculation Report
Nama Bank : PT Bank Victoria International Tbk
Bank Name
Posisi Laporan : Desember 2024
Reporting Position : December 2024
(dalam juta Rupiah / in million Rupiah)
Individual
Individually
Posisi Tanggal Laporan
Reporting Date Position
Nilai HQLA setelah Pengurangan
Nilai (Haircut), Outstanding
Kwajiban dan Komitmen Dikalikan
No. Komponen Nilai Outstanding Kewajiban dan Tingkat Penarikan (Run-Off Rate) Component
Komitmen/Nilai Tagihan Kontraktual atau Nilai Tagihan Kontraktual
Dikalikan Tingkat Penerimaan
Outstanding Value of Liabilities (Inflow Rate)
and Commitments/Contractual HQLA Value Less Haircut,
Receivables Value Outstanding Liabilities and
Commitments Multiplied by Run-Off
Rate or Contractual Receivables
Value Multiplied by Inflow Rate
20 hari
1. Jumlah Data Poin yang Digunakan dalam Perhitungan LCR Number of Data Points Used in the LCR Calculation
20 day
High Quality Liquid Asset (HQLA)
2. Total High Quality Liquid Asset (HQLA) 7,130,371.22 Total High Quality Liquid Asset (HQLA)
Arus Kas Keluar (Cash Outflow)
Cash Outflows
Simpanan Nasabah Perorangan dan Pendanaan yang Berasal Savings from Individual Customers and Funding Derived
3. 7,969,573.91 787,788.74
dari Nasabah Usaha Mikro dan Usaha Kecil, Terdiri dari: from Micro and Small Business Customers, Consisting of:
Laporan Tahunan dan Keberlanjutan 2024 Annual and Sustainability Report | PT Bank Victoria International Tbk
a. Simpanan/Pendanaan Stabil 183,372.92 9,168.65 Savings/Funding is Stable
b. Simpanan/Pendanaan Kurang Stabil 7,786,200.99 778,620.10 Savings/Funding is Less Stable
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(dalam juta Rupiah / in million Rupiah)
Individual
388
Individually
Posisi Tanggal Laporan
Reporting Date Position
Nilai HQLA setelah Pengurangan
Nilai (Haircut), Outstanding
Kwajiban dan Komitmen Dikalikan
No. Komponen Nilai Outstanding Kewajiban dan Tingkat Penarikan (Run-Off Rate) Component
Komitmen/Nilai Tagihan Kontraktual atau Nilai Tagihan Kontraktual
Dikalikan Tingkat Penerimaan
Outstanding Value of Liabilities (Inflow Rate)
and Commitments/Contractual HQLA Value Less Haircut,
Receivables Value Outstanding Liabilities and
Commitments Multiplied by Run-Off
Rate or Contractual Receivables
Value Multiplied by Inflow Rate
4. Pendanaan yang Berasal dari Nasabah Korporasi, Terdiri dari: 6,806,202.88 3,456,436.31 Funding Derived from Corporate Customers, Consisting of:
a. Simpanan Operasional 864,738.75 206,700.03 Operational Savings
b. Simpanan Non-Operasional dan/atau Kewajiban Lainnya Non-Operational Deposits and/or
5,941,464.13 3,249,736.28
yang Bersifat Non-Operasional Other Non-Operational Liabilities
c. Surat Berharga berupa Surat Utang yang Diterbitkan Securities in the Form of Debt Securities
0.00 0.00
oleh Bank (Unsecured Debt) Issued by Banks
5. Pendanaan dengan Agunan (Secured Funding) 0.00 Funding with Collateral (Secured Funding)
6. Arus Kas Keluar Lainnya (Additional Requirement), Terdiri dari: 693,708.16 58,607.46 Other Cash Outflows (Additional Requirements), Consisting of:
Capital Structure and Risk Management
a. Arus Kas Keluar atas Transaksi Derivatif 2,715.56 2,715.56 Cash Outflows From Derivative Transactions
b. Arus Kas Keluar atas Peningkatan Kebutuhan Likuiditas 0.00 0.00 Cash Outflows From Increased Liquidity Needs
c. Arus Kas Keluar atas Kehilangan Pendanaan 0.00 0.00 Cash Outflows for Loss of Funding
Struktur Permodalan dan Manajemen Risiko
d. Arus Kas Keluar atas Penarikan Komitmen Fasilitas Kredit Cash Outflows for Withdrawal of Committed
422,037.89 53,818.84
dan Fasilitas Likuiditas Credit Facilities and Liquidity Facilities
e. Arus Kas Keluar atas Kewajiban Kontraktual Lainnya terkait Cash Outflows on Other Contractual
0.00 0.00
Penyaluran Dana Liabilities Related to Distribution of Funds
f. Arus Kas Keluar atas Kewajiban Kontingensi Pendanaan Lainnya 268,954.72 2,073.07 Cash Outflows from Other Funding Contingent Liabilities
PT Bank Victoria International Tbk | Laporan Tahunan dan Keberlanjutan 2024 Annual and Sustainability Report
g. Arus Kas Keluar Kontraktual Lainnya 0.00 0.00 Other Contractual Cash Outflows
7. Total Arus Kas Keluar (Cash Outflow) 4,302,832.51 Total Cash Outflows
Arus Kas Masuk (Cash Inflow)
Cash Inflow
8. Pinjaman dengan Agunan Secured Lending 10,409.26 0.00 Loans with Collateral Secured Lending
Tagihan Berasal dari Pihak Lawan (Counterparty) yang Inflows from Fully performing Exposures
9. 601,234.94 217,084.86
Bersifat Lancar (Inflows from Fully Performing Exposures) Coming from Counterparty
10. Arus Kas Masuk Lainnya 749.73 749.73 Other Cash Inflows
11. Total Arus Kas Masuk (Cash Inflow) 612,393.93 217,834.58 Total Cash Inflows
Total Adjusted Value
12. Total HQLA 7,130,371.22 Total HQLA
13. Total Arus Kas Keluar Bersih (Net Cash Outflows) 4,084,997.93 Total Net Cash Outflows
14. LCR (%) 174.55 LCR (%)
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Tabel Pengungkapan Risiko Likuiditas
Table of Disclosure of Liquidity Risk
Pengungkapan Laporan NSFR
Disclosure of NSFR Report
Nama Bank : PT Bank Victoria International Tbk
Bank Name
Posisi Laporan : Desember 2024
Reporting Position December 2024
(dalam juta Rupiah / in million Rupiah)
Desember 2024
September 2024
December 2024
Nilai Tercatat Berdasarkan Sisa Jangka Waktu Nilai Tercatat Berdasarkan Sisa Jangka Waktu
Keterangan ASF Carrying Value Based on Remaining Period Carrying Value Based on Remaining Period Total Nilai
No. Tertimbang
Description of ASF Tanpa Jangka ≥ 6 Bulan - Total Nilai Tanpa Jangka ≥ 6 Bulan - Total
Waktu < 6 Bulan <1 Tahun ≥ 1 Tahun Tertimbang Waktu < 6 Bulan <1 Tahun ≥ 1 Tahun Weighted
Without a < 6 Months ≥ 6 Months - ≥ 1 Year Without a < 6 Months ≥ 6 Months - ≥ 1 Year Value
Period Time < 1 Year Period Time < 1 Year
Modal:
1. 3,920,364.56 0.00 0.00 949,074.42 4,869,438.98 3,936,302.08 0.00 0.00 949,762.65 4,886,064.73
Capital:
Modal sesuai Peraturan Otoritas Jasa Keuangan KPMM
2. 3,920,364.56 0.00 0.00 949,074.42 4,869,438.98 3,936,302.08 0.00 0.00 949,762.65 4,886,064.73
Capital According to CAR Financial Services Authority Regulations
Instrumen Modal Lainnya
3. 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Other Capital Instruments
Simpanan yang Berasal dari Nasabah Perorangan dan Pendanaan
yang Berasal dari Nasabah Usaha Mikro dan Usaha Kecil:
4. 3,419,362.50 8,859,837.23 1,138,643.04 1,267.00 12,089,988.38 3,904,546.23 8,961,707.81 979,924.09 0.00 12,474,304.05
Deposits Originating from Individual Customers and Funding from
Micro and Small Business Customers:
Simpanan dan Pendanaan Stabil
5. 235,378.41 10,830.44 7,048.65 0.00 240,594.63 238,580.45 12,953.03 3,341.26 0.00 242,131.00
Stable Savings and Funding
Simpanan dan Pendanaan Kurang Stabil
6. 3,183,984.09 8,849,006.79 1,131,594.39 1,267.00 11,849,393.75 3,665,965.78 8,948,754.78 976,582.83 0.00 12,232,173.05
Less Stable Savings and Funding
Pendanaan yang Berasal dari Nasabah Korporasi:
7. 1,750,853.50 5,572,250.48 153,628.56 2,516,089.46 5,339,098.31 2,297,230.80 7,153,566.75 35,135.82 1,532,056.00 4,496,827.85
Funding Derived from Corporate Customers:
Simpanan Operasional
8. 780,939.97 0.00 0.00 0.00 390,469.99 546,505.89 0.00 0.00 0.00 273,252.95
Operational Savings
Pendanaan Lainnya yang Berasal dari Nasabah Korporasi
9. 969,913.53 5,572,250.48 153,628.56 2,516,089.46 4,948,628.32 1,750,724.91 7,153,566.75 35,135.82 1,532,056.00 4,223,574.90
Other Funding Derived from Corporate Customers
Liabilitas yang Memiliki Pasangan Aset yang Saling Bergantung
10. 0.00 397,133.01 0.00 0.00 0.00 0.00 587,475.01 0.00 0.00 0.00
Liabilities that Have Interdependent Asset Pairs
Liabilitas dan Ekuitas Lainnya:
11. 278,924.53 146.30 0.00 358,487.73 358,487.73 267,591.48 4,845.01 0.00 366,618.45 366,618.45
Liabilities and Other Equity:
NSFR Liabilitas derivative
12. 146.30 146.30 146.30 4,845.01 4,845.01 4,845.01
NSFR Derivative Liability
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(dalam juta Rupiah / in million Rupiah)
Desember 2024
September 2024
December 2024
390
Nilai Tercatat Berdasarkan Sisa Jangka Waktu Nilai Tercatat Berdasarkan Sisa Jangka Waktu
Keterangan ASF Carrying Value Based on Remaining Period Carrying Value Based on Remaining Period Total Nilai
No. Tertimbang
Description of ASF Tanpa Jangka ≥ 6 Bulan - Total Nilai Tanpa Jangka ≥ 6 Bulan - Total
Waktu < 6 Bulan <1 Tahun ≥ 1 Tahun Tertimbang Waktu < 6 Bulan <1 Tahun ≥ 1 Tahun Weighted
Without a < 6 Months ≥ 6 Months - ≥ 1 Year Without a < 6 Months ≥ 6 Months - ≥ 1 Year Value
Period Time < 1 Year Period Time < 1 Year
Ekuitas dan Liabilitas Lainnya yang Tidak Masuk dalam
13. Kategori di Atas 278,924.53 0.00 0.00 358,487.73 358,487.73 267,591.48 0.00 0.00 366,618,45 366,618.45
Equity and Other Liabilities Not Included in the Above Categories
14. Total ASF 22,657,013.40 22,223,815.08
Total HQLA dalam Rangka Perhitungan NSFR
15. 380,459.38 443,478.24
Total HQLA for the NSFR Calculation
Simpanan pada Lembaga Keuangan Lain untuk Tujuan Operasional
16. 436,776.57 0.00 0.00 0.00 218,388.29 111,104.40 0.00 0.00 0.00 55,552.20
Deposits on Other Financial Institutions for Operational Purposes
Pinjaman dengan Kategori Lancar dan Dalam Perhatian Khusus
17. (Performing) 0.00 6,903,190.77 4,188,301.58 8,630,579.59 12,646,398.81 0.00 7,393,947.00 3,596,050.34 10,187,375,78 13,708,942.70
Loans in Current and Special Mention Category (Performing)
Kepada Lembaga Keuangan yang Dijamin dengan HQLA Level 1
18. 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
To Financial Institutions Guaranteed with HQLA Level 1
Kepada Lembaga Keuangan yang Dijamin Bukan dengan HQLA
Level 1 dan Pinjaman kepada Lembaga Keuangan Tanpa Jaminan
19. 0.00 1,288,820.29 1,704,273.41 1,452,084.84 2,497,544.59 0.00 2,175,315.71 577,665.03 2,113,930,35 2,729,060.22
To a Guaranteed Financial Institution Not with HQLA Level 1 and a
Loan to an Insecured Financial Institution
Kepada Korporasi Non-Keuangan, Nasabah Retail dan Nasabah
Usaha Mikro dan Kecil, Pemerintah Pusat, Pemerintah Negara
Lain, Bank Indonesia, Bank Sentral Negara Lain dan Entitas Sektor
Capital Structure and Risk Management
Publik, yang Di antaranya:
20. 0.00 4,483,260.89 2,148,772.54 6,641,313.60 8,961,133.28 0.00 4,614,531.40 2,373,550.33 7,169,481,52 9,588,100.16
To Non-Financial Corporations, Retail Customers and Micro and
Small Business Customers, Central Government, Governments of
Other Countries, Bank Indonesia, Central Banks of Other Countries
Struktur Permodalan dan Manajemen Risiko
and Public Sector Entities, Including:
Memenuhi Kualifikasi untuk Mendapat Bobot Risiko 35% atau
Kurang, sesuai Surat Edaran Otoritas Jasa Keuangan ATMR untuk
21. Risiko Kredit 0.00 676,097.62 99,092.84 0.00 387,595.23 0.00 198,920.13 497,619.79 0.00 348,269.96
Qualify for A Weighted Risk of 35% or Less, In Accordance with
Financial Services Authority Circular RWA for Credit Risk
PT Bank Victoria International Tbk | Laporan Tahunan dan Keberlanjutan 2024 Annual and Sustainability Report
Kredit Beragun Rumah Tinggal yang Tidak Sedang Dijaminkan,
22. yang Di antaranya: 0.00 394.46 909.59 150,536.86 128,608.36 0.00 250.55 555.33 141,968,56 121,076.22
Unsecured Residential Property Collateralized Loans, which Include:
Memenuhi Kualifikasi untuk Mendapat Bobot Risiko 35% atau
Kurang, Sesuai Surat Edaran Otoritas Jasa Keuangan ATMR
23. untuk Risiko Kredit 0.00 1,134.51 791.51 10,328.29 7,676.40 0.00 923.20 638.67 5,272,21 4,207.87
Qualify for a Weighted Risk of 35% or Less, In Accordance with
Financial Services Authority Circular RWA for Credit Risk
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(dalam juta Rupiah / in million Rupiah)
Desember 2024
September 2024
December 2024
Nilai Tercatat Berdasarkan Sisa Jangka Waktu Nilai Tercatat Berdasarkan Sisa Jangka Waktu
Keterangan ASF Carrying Value Based on Remaining Period Carrying Value Based on Remaining Period Total Nilai
No. Tertimbang
Description of ASF Tanpa Jangka ≥ 6 Bulan - Total Nilai Tanpa Jangka ≥ 6 Bulan - Total
Waktu < 6 Bulan <1 Tahun ≥ 1 Tahun Tertimbang Waktu < 6 Bulan <1 Tahun ≥ 1 Tahun Weighted
Without a < 6 Months ≥ 6 Months - ≥ 1 Year Without a < 6 Months ≥ 6 Months - ≥ 1 Year Value
Period Time < 1 Year Period Time < 1 Year
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
24. 0.00 453,483.00 234,461.69 376,316.00 663,840.95 0.00 404,006.01 146,021.19 756,723,14 918,228.27
Securities with Current and Undercurrent (Performing) Categories
that are not being Pledged Collateral, Do Not Default, and are Not
Included as HQLA, Including Exchange-Traded Shares
Aset yang Memiliki Pasangan Liabilitas yang Saling Bergantung
25. 0.00 0.00 300,899.73 100,785.45 0.00 0.00 300,592.26 0.00 305,306,23 0.00
Assets that Have Interdependent Liability Pairs
Aset Lainnya:
26. 601,813.93 484,217.26 30,928.02 1,193,255.84 2,310,215.05 614,382.86 453,699.21 19,357.39 1,020,679,77 2,108,119.23
Other Assets:
Komoditas Fisik yang Diperdagangkan, Termasuk Emas
27. 0.00 0.00 0.00 0.00
Physical Commodities Traded, Including Gold
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)
28. 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Cash, Securities and Other Assets Recorded as Initial Margin for
Derivative Contracts and Cash or Other Assets Deposited as
Default Funds to the Central Counterparty (CCP)
NSFR Aset Derivatif
29. 3,703.28 3,703.28 3,703.28 3,703.28 1,044.65 1,044.65 1,044,65 1,044.65
NSFR Derivative Assets
NSFR Liabilitas Derivatif sebelum Dikurangi dengan Variation Margin
30. 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
NSFR Derivative Liability before Deduction of Variation Margin
Seluruh Aset Lainnya yang Tidak Masuk dalam Kategori di Atas
31. 601,813.93 480,513.98 30,928.02 1,193,255.84 2,306,511.77 614,382.86 452,654.56 19,357.39 1,020,679,77 2,107,074.58
All Other Assets Not Included in the Categories Above
Rekening Administratif
32. 7,549,766.97 7,549,766.97 7,549,766.97 301,901.42 7,788,610.31 7,788,610.31 7,788,610,31 281,081.72
Administrative Account
33. Total RSF 15,857,362.95 16,597,174.09
Rasio Pendanaan Stabil Bersih (Net Stable Funding Ratio (%))
34. 142.88 133.90
Net Stable Funding Ratio (%)
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Tabel Pengungkapan Risiko Likuiditas
Table of Disclosure of Liquidity Risk
392
Pengungkapan Laporan Aset Terikat (Encumbrance) (ENC)
Disclosure of Encumbrance (ENC) Report
Nama Bank : PT Bank Victoria International Tbk
Bank Name
Posisi Laporan : Desember 2024
Reporting Position December 2024
(dalam juta Rupiah / in million Rupiah)
a b c d
Aset yang Disimpan atau
Diperjanjikan dengan
Uraian Bank Sentral Namun Aset Tidak Terikat Description
Aset Terikat (Encumbered)
Belum Digunakan untuk (Unencumbered) Total
Encumbered Asset
Menghasilkan Likuiditas Unencumbered Asset
Assets Placed or Pledged to
Central Bank but Yet
Aset-aset dalam Laporan Posisi Assets in the Statement of
Keuangan dapat Disajikan 0 5,129,160 1,504,379 6,633,539 Financial Position can be
Terperinci Sepanjang Dibutuhkan Presented in Detail As Needed
Analisis Kualitatif
Qualitative Analysis
Capital Structure and Risk Management
(a) Aset terikat (encumbered assets) adalah aset bank yang terbatas untuk kebutuhan likuiditas, secara legal dan kontraktual oleh Bank pada saat terjadi kondisi stres. Encumbered assets tidak termasuk aset yang disimpan atau
diperjanjikan dengan Bank Indonesia namun belum digunakan untuk menghasilkan likuiditas. Saat ini, Bank memiliki surat berharga yang dijadikan underlying transaksi Repo sebesar Rp496.865 juta.
(b) Saat ini, Bank memiliki aset bank yang disimpan atau diperjanjikan dengan Bank Indonesia namun belum digunakan untuk menghasilkan likuiditas yaitu penempatan pada Bank Indonesia sebesar Rp1.504.378 juta sebagaimana
Struktur Permodalan dan Manajemen Risiko
diatur dalam Peraturan Otoritas Jasa Keuangan No. 42/POJK.03/2015 perihal Kewajiban Pemenuhan Rasio Kecukupan Likuiditas (Liquidity Coverage Ratio) bagi Bank Umum.
(c) Aset Tidak Terikat merupakan aset bank yang memenuhi syarat sebagai HQLA sebagaimana diatur dalam Peraturan Otoritas Jasa Keuangan No. 42/POJK.03/2015 perihal Kewajiban Pemenuhan Rasio Kecukupan Likuiditas
(Liquidity Coverage Ratio) bagi Bank Umum yaitu sebesar Rp5.129.160 juta.
a) Encumbered assets are bank assets restricted, both legally and contractually by the Bank, for supporting liquidity under stress conditions. Encumbered assets do not include assets being placed with or pledged to
Bank Indonesia but yet to be used to create liquidity. Currently, the Bank has securities that are used as underlying Repo transactions amounting to Rp496,865 million.
(b) Currently, the Bank has bank assets that are stored or agreed with Bank Indonesia but have not been used to generate liquidity, namely placement with Bank Indonesia amounting to Rp1,504,378 million as regulated in
PT Bank Victoria International Tbk | Laporan Tahunan dan Keberlanjutan 2024 Annual and Sustainability Report
Financial Services Authority Regulation No. 42/POJK.03/2015 on the Obligation to Fulfill the Liquidity Coverage Ratio for Commercial Banks.
(c) Unencumbered Assets are bank assets that qualify as HQLA as stipulated in Financial Services Authority Regulation No. 42/POJK.03/2015 on the Obligation to Fulfill the Liquidity Coverage Ratio for Commercial Banks,
amounting to Rp5,129,160 million
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Tabel Pengungkapan Risiko Operasional
Table of Disclosure of Operational Risk
Tabel Pengungkapan Kuantitatif Risiko Operasional - Bank secara Individual
Table of Disclosure of Operational Risk Quantitative - Bank Individually
(dalam juta Rupiah / in million Rupiah)
31 Desember 2024 31 Desember 2023
31 December 2024 31 December 2023
No. Pendekatan yang Digunakan Approach Used
Jumlah Jumlah
Total Total
Pendekatan Standar Standardized Approach
Komponen Indikator Bisnis (KIB) 117,338,587,298 124,452,634,563 Business Indicator Components (KIB)
1. Faktor Pengali Kerugian Internal (FPKI) 1 1 Internal Loss Multiplier Factor (FPKI)
Modal Minimum Risiko Operasional (MMRO) 117,338,587,298 124,452,634,563 Operational Risk Minimum Capital (MMRO)
ATMR untuk Risiko Operasional 1,466,732,341,225 1,555,657,932,038 RWA for Operational Risk
Tabel Pengungkapan Kuantitatif Risiko Operasional - Bank secara Konsolidasi dengan Entitas Anak
Table of Disclosure of Operational Risk Quantitative - Bank Consolidated with Subsidiaries
Bank tidak memiliki eksposur risiko operasional secara konsolidasi karena berdasarkan Surat Otoritas Jasa Keuangan No. S-301/PB.101/2022 Perihal Penyampaian Keputusan Izin Pengambilalihan Saham
PT Bank Victoria Syariah oleh PT Victoria Investama Tbk dan Surat Direksi No. 133/DIR-EKS/12/22 Perihal Laporan Pelaksanaan Divestasi atas Inisiatif Sendiri PT Bank Victoria International Tbk (Bank), maka dengan demikian
PT Bank Victoria Syariah tidak lagi menjadi Entitas Anak PT Bank Victoria International Tbk.
The Bank has no operational risk exposure on a consolidated basis due to based on Financial Services Authority Letter No. S-301/PB.101/2022 on Submission of the Decision on Permit to the Acquisition of
PT Bank Victoria Syariah’s Shares by PT Victoria Investama Tbk and Board of Directors’ Letter No. 133/DIR-EKS/12/22 on the Divestment Implementation Report on PT Bank Victoria International Tbk’s (Bank)
Self Initiative, therefore, PT Bank Victoria Syariah is no longer a subsidiary of PT Bank Victoria International Tbk.
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Tanggung Jawab Sosial dan Lingkungan Hidup
Social and Environmental Responsibility
Lembaga perbankan memainkan peran penting dalam mendorong Banking institutions play an important role in driving national
pertumbuhan ekonomi nasional dengan menjalankan fungsi economic growth by serving as intermediaries that support
sebagai perantara yang mendukung stabilitas pasar keuangan. financial market stability. Realizing this strategic role, the Bank is
Menyadari peran strategis ini, Bank berkomitmen mengintegrasikan committed to integrating sustainability principles into its operations
prinsip keberlanjutan dalam operasionalnya dengan memperhatikan by considering economic, social, and environmental aspects.
aspek ekonomi, sosial, dan lingkungan. Inisiatif tersebut juga This initiative is also realized by implementing Social and
direalisasikan dengan melaksanakan program Tanggung Jawab Environmental Responsibility (TJSL) program.
Sosial dan Lingkungan Hidup (TJSL).
Tata Kelola Keberlanjutan
Sustainability Governance
Dalam menjalankan kegiatan usaha, Bank senantiasa menerapkan In performing its business activities, the Bank always applies GCG
prinsip-prinsip GCG dengan mengintegrasikan pengelolaan risiko principles by integrating risk management in relation to economic,
terkait aspek ekonomi, sosial, dan lingkungan. Adapun penerapannya social, and environmental aspects. The implementation is carried
dilakukan melalui berbagai program yang telah sesuai dengan out through various programs that comply with applicable laws
peraturan dan perundang-undangan yang berlaku serta standard and regulations as well as standard best practices in Sustainability
best practices Laporan Keberlanjutan. Report.
Penerapan GCG yang dilakukan senantiasa berpedoman kepada The GCG implementation always refers to ISO 26000 on Guidance
ISO 26000 tentang Guidance Standard on Social Responsibility, yaitu: Standard and Social Responsibility, namely:
1. Tata kelola organisasi; 1. Organizational governance;
2. Isu produk dan pelanggan; 2. Products and customers issues;
3. Pemenuhan hak asasi manusia; 3. Fulfillment human rights;
4. Praktik ketenagakerjaan, kesehatan, dan keselamatan kerja; 4. Practices of employment, occupational health and safety;
5. Lingkungan hidup; 5. Environment;
6. Prosedur operasi yang adil; dan 6. Fair operating procedures; and
7. Pelibatan dan pengembangan masyarakat. 7. Community engagement and development.
Selain itu, sebagai bagian dari upaya penegakan GCG, Furthermore, as part of GCG enforcement efforts, the Bank actively
Bank secara aktif mengintegrasikan prinsip-prinsip keuangan integrates sustainable finance principles into all aspects of its
berkelanjutan ke dalam seluruh aspek kegiatan bisnis. Langkah business activities. This step aims to ensure that every initiative
ini bertujuan untuk memastikan bahwa setiap inisiatif yang taken not only provides commercial benefits, but also gives
diambil tidak hanya memberikan manfaat komersial, tetapi juga contribution to social welfare and environmental preservation.
berkontribusi pada kesejahteraan sosial dan pelestarian lingkungan. The internalization approach of sustainable finance principles at the
Pendekatan internalisasi prinsip keuangan berkelanjutan di Bank Bank is further explained as follows:
dijelaskan lebih lanjut sebagai berikut:
Prinsip Keuangan Berkelanjutan Implementasi di Bank
Sustainable Finance Principles Implementation at the Bank
Investasi Bertanggung Jawab Keputusan investasi Bank mempertimbangkan faktor ekonomi, sosial, lingkungan hidup, dan tata kelola agar dapat
mengelola risiko secara lebih baik dan menghasilkan keuntungan jangka panjang yang berkelanjutan.
Responsible Investment The Bank’s investment decisions consider the economic, social, environmental, and governance factors in order to
manage the risks better and generate long-term, sustainable returns.
Strategi dan Praktik Bisnis Bank berfokus pada pencapaian tujuan jangka panjang dan menetapkan strategi jangka pendek untuk
Berkelanjutan mencapainya.
Sustainable Business Strategies The Bank focuses on achieving long-term goals and setting short-term strategies to achieve them.
and Practices
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Prinsip Keuangan Berkelanjutan Implementasi di Bank
Sustainable Finance Principles Implementation at the Bank
Pengelolaan Risiko Sosial Bank menerapkan prinsip kehati-hatian dalam mengukur risiko sosial dan lingkungan hidup dari aktivitas
dan Lingkungan Hidup penghimpunan dan penyaluran dana.
Social and Environmental The Bank applies the prudence principle in measuring social and environmental risks from the funding and lending
Risk Management activities.
Tata Kelola Manajemen dan seluruh aktivitas operasi Bank menerapkan pilar governansi korporat, yaitu perilaku beretika,
akuntabilitas, transparansi, dan keberlanjutan secara konsisten.
Governance The Management and all of the Bank’s operational activities consistently apply the corporate governance pillars,
namely ethical behavior, accountability, transparency, and sustainability.
Komunikasi yang Informatif Bank menyediakan laporan yang informatif, mencakup strategi, tata kelola, kinerja, dan prospek ke depan.
Informative Communication The Bank provides informative reports, covering strategy, governance, performance, and prospects.
Inklusif Bank berupaya menjamin ketersediaan dan keterjangkauan produk dan jasa sehingga dapat diakses oleh seluruh
lapisan masyarakat, bahkan termasuk yang belum memiliki akses terhadap produk dan jasa perbankan.
Inclusive The Bank strives to ensure the availability and affordability of products and services so that they can be accessed
by all levels of community, including those who do not have access to banking products and services.
Pengembangan Sektor Unggulan Bank mempertimbangkan sektor-sektor unggulan prioritas yang telah ditetapkan oleh pemerintah melalui Rencana
Prioritas Pembangunan Jangka Menengah (RPJM) dan Rencana Pembangunan Jangka Panjang (RPJP).
Priority Leading Sector Development The Bank considers the priority leading sectors that have been determined by the government through the
Medium-Term Development Plan (RPJM) and the Long-Term Development Plan (RPJP).
Koordinasi dan Kolaborasi Dalam rangka menyelaraskan kebijakan, strategi, peluang bisnis, dan inovasi produk dan jasa dengan kepentingan
nasional, Bank berpartisipasi dalam forum/kegiatan/kerja sama terkait keuangan berkelanjutan, baik pada tingkat
lokal, nasional, maupun regional.
Coordination and Collaboration To align policies, strategies, business opportunities, and innovation of products and services with national
interests, the Bank participates in forums/activities/cooperations related to sustainable finance, at local, national,
or regional levels.
Struktur Tata Kelola Keberlanjutan [POJK E.1] Sustainable Governance Structure [POJK E.1]
Penerapan prinsip keuangan berkelanjutan dan pengelolaan aspek The implementation of sustainable finance principles and the
Lingkungan, Sosial, dan Tata Kelola (LST) merupakan tanggung management of Environmental, Social, and Governance (ESG)
jawab bersama seluruh jajaran Bank di setiap unit kerja dan aspects are shared responsibilities of all levels of the Bank in each
direktorat. Bank melibatkan peran aktif Direksi dan Dewan Komisaris work unit and directorate. The Bank involves the active roles of
dalam pengawasan tata kelola keberlanjutan serta pemantauan Board of Directors and Board of Commissioners in supervising
kinerja yang terkait dengan LST. Struktur tata kelola keberlanjutan sustainability governance and monitoring performance related to
Bank disusun sejalan dengan struktur GCG yang diterapkan ESG. The Bank’s sustainability governance structure is prepared in
di seluruh organisasi. line with GCG structure applied throughout the organization.
Adapun tugas dan tanggung jawab dalam implementasi prinsip The duties and responsibilities in implementing sustainable finance
keuangan berkelanjutan sesuai dengan Surat Keputusan Direksi principles are in accordance with the Board of Directors’ Decision
No. 004A/SK-DIR/07/23 tentang Tim Penyusun dan Pelaksana Aksi Letter No. 004A/SK-DIR/07/23 on the Team for Preparing and
Keuangan Berkelanjutan PT Bank Victoria International Tbk tanggal Implementing Sustainable Financial Actions of PT Bank Victoria
4 Juli 2023, yang diuraikan sebagai berikut: International Tbk dated 4 July 2023, described as follows:
Jabatan Posisi di Bank
Position Position at the Bank
Penanggung Jawab Direksi
Person in Charge Board of Directors
Ketua
Senior EVP of Change Management Office
Chairman
Wakil Ketua Merangkap Anggota
Head of Change Management Office Division
Vice Chairman concurrently as Member
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Tanggung Jawab Sosial dan Lingkungan Hidup
Social and Environmental Responsibility
Jabatan Posisi di Bank
Position Position at the Bank
• SEVP of Operation & International Banking;
• SEVP of Business;
• Head of Credit Risk Review Division;
• Head of HCM & GA Division;
• Head of Operations Division;
• Head of Technology Information Division;
Anggota
• Head of Compliance, System Procedure & Customer Protection Division;
Member
• Head of Risk Management/Integrated Division;
• Head of Corporate Secretary Division;
• Head of SKAI Division;
• Head of SME Banking Division;
• Head of Commercial Banking Division; dan / and
• Head of Branch Banking Network Division.
Pelaksanaan aksi keuangan berkelanjutan dan/atau portofolio The implementation of sustainable financial actions and/or green
hijau dikoordinasikan oleh Divisi Change Management Office portfolios is coordinated by the Change Management Office
yang didukung oleh seluruh divisi terkait. Sementara itu, tugas Division, supported by all related divisions. Meanwhile, the duties
dan tanggung jawab Tim Penyusun dan Pelaksana Aksi Keuangan and responsibilities of Sustainable Finance Action Preparation and
Berkelanjutan sebagai berikut: Implementation Team are as follows:
1. Menetapkan strategi dan kriteria portofolio hijau; 1. Determining strategy and criteria for the green portfolio;
2. Melakukan pemetaan portofolio kredit yang memenuhi kriteria 2. Mapping loans portfolio that meets the criteria for green
portofolio hijau; portfolio;
3. Mempersiapkan sistem, kebijakan, dan prosedur; 3. Preparing system, policies, and procedures;
4. Menyusun dan melaksanakan rencana aksi keuangan 4. Preparing and implementing sustainable finance action plan
berkelanjutan dan/atau portofolio hijau; and/or green portfolio;
5. Mempersiapkan, memonitor, dan menyampaikan laporan 5. Preparing, monitoring, and submitting reports and/or data
dan/atau data terkait aksi keuangan keberlanjutan dan/atau related to sustainable finance actions and/or green portfolios
portofolio hijau kepada manajemen dan regulator; to the management and regulators;
6. Menyusun dan menyampaikan laporan rencana dan laporan 6. Preparing and submitting reports on sustainable finance action
realisasi aksi keuangan berkelanjutan, termasuk melakukan plans and realization reports, including publication; and
publikasi; dan
7. Mempersiapkan dan melaksanakan rencana training sustainable 7. Preparing and implementing sustainable finance training plan.
finance.
Pengembangan Kompetensi Terkait Competency Development Related to
Keuangan Berkelanjutan [POJK E.2] Sustainable Finance [POJK E.2]
Bank secara konsisten melaksanakan pengembangan kompetensi The Bank consistently carries out competency development related
terkait LST dan keuangan berkelanjutan untuk karyawan setiap to ESG and sustainable finance for employees on an annual basis. In
tahunnya. Pada tahun 2024, 5% karyawan telah mendapatkan 2024, 5% of employees received training and dissemination related
pelatihan-pelatihan maupun sosialisasi terkait LST dan keuangan to ESG and sustainable finance. Meanwhile, the competency
berkelanjutan. Sementara itu, materi pengembangan kompetensi development materials are outlined as follows:
tersebut diuraikan sebagai berikut:
Jenjang Jabatan Materi Pelatihan dan Penyelenggara
Level of Position Training Materials and Organizers
Dewan Komisaris Expert Sharing Session: Keuangan Berkelanjutan dari Agus Sugiarto
Board of Commissioners Expert Sharing Session: Sustainable Finance from Agus Sugiarto
Direksi Expert Sharing Session: Keuangan Berkelanjutan dari Agus Sugiarto
Board of Directors Expert Sharing Session: Sustainable Finance from Agus Sugiarto
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Jenjang Jabatan Materi Pelatihan dan Penyelenggara
Level of Position Training Materials and Organizers
Expert Sharing Session: Keuangan Berkelanjutan dari Agus Sugiarto
Senior Executive Vice President
Expert Sharing Session: Sustainable Finance from Agus Sugiarto
Kepala Divisi/Wakil Kepala Divisi Expert Sharing Session: Keuangan Berkelanjutan dari Agus Sugiarto
Head of Division/Vice Division Head Expert Sharing Session: Sustainable Finance from Agus Sugiarto
Training Pembiayaan Berkelanjutan dari Otoritas Jasa Keuangan
Officer
Training on Sustainable Financing from Financial Services Authority
Pencapaian dan Biaya Pengembangan Achievements and Costs of Competency
Kompetensi Terkait Keuangan Berkelanjutan Development Related to Sustainable Finance
Pencapaian dan biaya pengembangan kompetensi terkait The achievements and costs of competency development related
keuangan berkelanjutan dalam kurun waktu 3 (tiga) tahun terakhir to sustainable finance in the past 3 (three) years are as follows:
sebagai berikut:
Uraian 2024 2023 2022 Description
Total Peserta (Orang) 39 43 86 Total Participants (People)
Biaya (Rp) 46,446,548 34,742,047 18,071,058 Cost (Rp)
Penilaian Risiko atas Penerapan Keuangan Risk Assessment of Sustainable Finance
Berkelanjutan [POJK E.3] Implementation [POJK E.3]
Bank secara berkelanjutan mengevaluasi strategi manajemen The Bank continuously evaluates its risk management strategy
risiko untuk memastikan keselarasan dengan visi, misi, dan strategi to ensure the alignment with its established vision, mission, and
keberlanjutan yang telah ditetapkan. Evaluasi dilakukan dengan sustainability strategy. The evaluation is carried out by considering
mempertimbangkan pencapaian target dalam RAKB tahun target achievement in the previous year’s RAKB, that serves as a
sebelumnya, sebagai dasar perumusan strategi manajemen risiko basis for formulating better risk management strategies. With this
yang lebih baik. Dengan pendekatan tersebut, Bank bertujuan approach, the Bank aims to ensure the implementation of effective
untuk memastikan penerapan prinsip keuangan berkelanjutan and efficient sustainable finance principles, which also strengthens
yang efektif dan efisien, yang juga memperkuat proses transformasi the digital transformation process while adhering to the prudential
digital dengan tetap memegang teguh prinsip kehati-hatian. principles.
Bank telah menyiapkan langkah-langkah mitigasi untuk menghadapi The Bank has prepared mitigation steps to deal with potential
potensi ketidaksesuaian antara realisasi program dengan target atau discrepancies between program realization and targets or schedules
jadwal yang ditetapkan dalam RAKB. Langkah tersebut meliputi: determined in the RAKB. These steps include:
1. Evaluasi terhadap program-program keuangan berkelanjutan 1. Evaluation of sustainable finance programs that have been
yang telah berjalan; running;
2. Konsultasi dengan pihak eksternal untuk mengidentifikasi dan 2. Consultation with external parties to identify and resolve
menyelesaikan kendala yang ada; dan existing constraints; and
3. Pengkajian ulang indikator kinerja yang digunakan untuk 3. Review of the performance indicators used in the following
tahun-tahun berikutnya, berdasarkan realisasi program years, based on the realization of sustainable finance programs
keuangan berkelanjutan yang telah dilaksanakan. carried out.
Melalui pendekatan ini, Bank berupaya untuk terus meningkatkan Through this approach, the Bank seeks to improve the effectiveness
efektivitas program keberlanjutan di tahun-tahun mendatang, of sustainability programs in the future years, ensuring optimal
memastikan pencapaian yang optimal sesuai dengan tujuan achievements in line with broader strategic objectives.
strategis yang lebih luas.
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Tanggung Jawab Sosial dan Lingkungan Hidup
Social and Environmental Responsibility
Keberlanjutan Kinerja Ekonomi
Economic Performance Sustainability
Kinerja Operasional dan Keuangan Operational and Financial Performance
[POJK F.2] [POJK F.3] [POJK F.2] [POJK F.3]
Kinerja operasional dan keuangan merupakan salah satu faktor Operational and financial performance is one important factor
penting untuk menunjang keberhasilan Bank dalam menjalankan to support the Bank’s success in carrying out and implementing
dan mengimplementasikan komitmen keberlanjutan dalam kegiatan sustainability commitments in business activities. Therefore, the
bisnis. Oleh karena itu, Bank senantiasa mengedepankan penerapan Bank always prioritizes the implementation of clear and measurable
strategi-strategi yang jelas dan terukur demi mengupayakan strategies in order to strive for financial and operational performance
capaian kinerja keuangan dan operasional sesuai dengan target achievements in line with the targets set.
yang telah ditetapkan.
Informasi pencapaian kinerja keuangan dan operasional Bank dalam Information on the Bank’s financial and operational performance
kurun waktu 3 (tiga) tahun ditunjukkan sebagai berikut: achievements over the past 3 (three) years is shown as follows:
(dalam miliar Rupiah / in billion Rupiah)
2024
Uraian Realisasi 2023 2022* Description
Target
Realization
Kinerja Keuangan
Financial Performance
Total Aset 30,000 31,046 29,624 25,932 Total Assets
Total Liabilitas 26,081 27,113 25,799 22,232 Total Liabilities
Total Ekuitas 3,919 3,933 3,825 3,700 Total Equity
Pendapatan Bunga – Bersih 533 549 579 733 Interest Income – Net
Pendapatan (Beban) Operasional Operating Income (Expenses)
(349) (256) (405) (319)
selain Bunga – Bersih other than Interest – Net
Laba Operasional 184 293 174 414 Profit from Operations
Laba Bersih Tahun Berjalan 106 118 102 226 Net Profit for the Year
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2024
Uraian Realisasi 2023 2022* Description
Target
Realization
Kinerja Operasional
Operational Performance
Total Produk Simpanan 23,034 23,332 22,429 19,372 Total Deposits Products
Total Produk Pinjaman 20,037 20,560 18,629 15,825 Total Loan Products
Total Pembiayaan Terhadap Kegiatan Total Financing for Sustainable
554 601 504 444
Usaha Berkelanjutan (dalam miliar) Business Activities (in billion)
* Konsolidasian sampai dengan divestasi Entitas Anak pada tanggal 22 Desember 2022.
* Consolidation until the date of divestment of Subsidiary on 22 December 2022.
Nilai Ekonomi Langsung yang Dihasilkan Direct Economic Value Generated
dan Didistribusikan and Distributed
Kinerja baik yang mampu dicapai Bank pada tahun 2024 The good performance achieved by the Bank in 2024 enables
memampukan Bank untuk terus mempertahankan pemberian the Bank to continuously maintain the provision of direct economic
manfaat ekonomi secara langsung bagi pemangku kepentingan. benefits to stakeholders. The direct economic value generated and
Nilai ekonomi langsung yang dihasilkan dan didistribusikan Bank distributed by the Bank over the past 3 (three) years are shown as
selama 3 (tiga) tahun terakhir ditunjukkan sebagai berikut: follows:
(dalam juta Rupiah / in million Rupiah)
Uraian 2024 2023 2022* Description
Nilai Ekonomi Langsung yang Dihasilkan
Direct Economic Values Generated
Penerimaan dari Pendapatan Bunga Receipt from Interest and
2,141,595 1,866,455 1,585,072
dan Syariah dan Komisi Sharia Income and Commissions
Penerimaan dari Operasional Lainnya 361,686 253,716 363,011 Receipt from Other Operating Income
Penerimaan dari Penjualan Agunan yang Diambil Alih 206,826 385,438 14,101 Receipt from Sale of Foreclosed Assets
Pendapatan Non-Operasional Lainnya - 3,871 - Other Non-Operating Income
Kenaikan dalam Kewajiban Operasi 335,541 3,256,073 1,870,146 Increase in Operating Liabilities
Hasil Penjualan Aset Tetap 28,782 45,396 17,287 Proceeds from Sale of Fixed Assets
Total 3,074,430 5,464,055 3,849,618 Total
Nilai Ekonomi yang Didistribusikan
Distributed Economic Value
Pembayaran Bunga dan Syariah 1,498,664 1,241,690 936,210 Payment of Interest and Sharia Expense
Pembayaran Beban Umum dan Administrasi 175,915 135,298 118,617 Payment of General and Administrative Expenses
Pembayaran Beban Tenaga Kerja 168,825 161,897 132,900 Payment of Personnel Expenses
Pembayaran Beban Operasional Lainnya 166,668 125,072 62,434 Payments of Other Operating Expenses
Pembayaran Non-Operasional Lainnya - - 28,898 Payment of Other Non-Operating Income
Pembayaran Pajak Penghasilan - 16,049 - Payment of Income Tax
Kenaikan dalam Aset Operasi 1,977,893 2,802,368 1,496,221 Increase in Operating Assets
Penurunan dalam Kewajiban Operasi - - - Decrease in Operating Liabilities
Pembelian Aset Tetap 19,802 16,196 7,527 Purchase of Fixed Assets
Pembelian Aset Tak Berwujud 5,893 7,289 1,880 Purchase of Intangible Assets
Pembayaran Sewa 12,635 10,757 10,959 Payment of Lease
Biaya Investasi Sosial 1,209 180 238 Social Investment Cost
Total 4,027,504 4,516,796 2,795,883 Total
Nilai Ekonomi yang Ditahan 953,074 947,259 1,053,735 Economic Value Retained
* Konsolidasian sampai dengan divestasi Entitas Anak pada tanggal 22 Desember 2022.
* Consolidation until the date of divestment of Subsidiary on 22 December 2022.
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Tanggung Jawab Sosial dan Lingkungan Hidup
Social and Environmental Responsibility
Mendukung Pertumbuhan Supporting Indonesia’s
Perekonomian Indonesia Economic Growth
Bank berkomitmen untuk terus mendukung pertumbuhan The Bank is committed to constantly supporting the growth of
perekonomian Indonesia melalui penyaluran kredit kepada pelaku Indonesian economy by lending to business players. Information
bisnis. Informasi mengenai capaian kinerja pembiayaan Bank selama regarding the Bank’s financing performance achievements over the
3 (tiga) tahun terakhir ditunjukkan sebagai berikut: past 3 (three) years is shown as follows:
(dalam juta Rupiah, kecuali dinyatakan lain / in million Rupiah, unless stated otherwise)
2024 2023 2022*
Uraian Komposisi Komposisi Komposisi
Description Jumlah Jumlah Jumlah
Composition Composition Composition
Total Total Total
(%) (%) (%)
Lembaga Pembiayaan
5,577,685 27.13 5,563,012 29.86 3,810,285 24.08
Financing Institution
Perdagangan, Restoran, dan Hotel
4,092,649 19.91 3,574,240 19.19 3,471,734 21.94
Trading, Restaurant, and Hotel
Industri
3,015,057 14.66 2,186,357 11.74 1,546,407 9.77
Industry
Real Estat
2,476,933 12.05 2,533,799 13.60 2,434,559 15.38
Real Estate
Konstruksi
1,100,320 5.35 737,807 3.96 782,272 4.94
Construction
Jasa-Jasa Sosial/Masyarakat
417,107 2.03 349,351 1.88 423,151 2.67
Social/Community Services
Lain-Lain
3,880,110 18.87 3,684,177 19.78 3,356,203 21.21
Others
Total 20,559,860 100.00 18,628,743 100.00 15,824,611 100.00
* Konsolidasian sampai dengan divestasi Entitas Anak pada tanggal 22 Desember 2022.
* Consolidation until the date of divestment of Subsidiary on 22 December 2022.
Selain mendukung pertumbuhan ekonomi nasional melalui In addition to supporting national economic growth through lending
penyaluran kredit ke berbagai sektor, Bank juga turut mendukung to various sectors, the Bank also supports the growth of business
pertumbuhan pelaku usaha di sektor Usaha Mikro, Kecil, players in Micro, Small, and Medium Enterprises (MSMEs) sector.
dan Menengah (UMKM). Informasi mengenai capaian pembiayaan Information regarding financing achievements to MSME sector
ke sektor UMKM yang dilakukan Bank selama 3 (tiga) tahun terakhir conducted by the Bank over the past 3 (three) years is shown as
ditunjukkan sebagai berikut: follows:
(dalam juta Rupiah, kecuali dinyatakan lain / in million Rupiah, unless stated otherwise)
2024 2023 2022
Uraian Komposisi Komposisi Komposisi
Description Jumlah Jumlah Jumlah
Composition Composition Composition
Total Total Total
(%) (%) (%)
Usaha Mikro
- - - - - -
Micro Business
Usaha Kecil
13,778 0.43 16,499 0.54 20,696 0.85
Small Business
Usaha Menengah
3,157,840 99.57 3,037,478 99.46 2,424,657 99.15
Medium Business
Total 3,171,618 100.00 3,053,977 100.00 2,445,354 100.00
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Pembiayaan Terhadap Kegiatan Financing for Sustainable Business
Usaha Berkelanjutan [POJK F.3] Activities [POJK F.3]
Dalam menerapkan prinsip keuangan berkelanjutan, Bank In implementing sustainable finance principles, the Bank
menyalurkan pembiayaan pada 4 (empat) dari 12 (dua belas) provides financing to 4 (four) of the 12 (twelve) categories of
kategori kegiatan usaha berkelanjutan. Informasi mengenai kinerja sustainable business activities. Information regarding the Bank’s
pembiayaan berkelanjutan Bank selama 3 (tiga) tahun terakhir sustainable financing performance over the past 3 (three) years is
ditunjukkan sebagai berikut: shown as follows:
(dalam juta Rupiah / in million Rupiah)
Penyaluran Kredit
Uraian Loans Description
2024 2023 2022
Pencegahan dan Pengendalian Polusi 73,773 219,043 108,375 Pollution Prevention and Control
Pengelolaan Sumber Daya Alam Hayati Management of Biodiversity Resources
308,076 173,182 393,548
dan Penggunaan Lahan yang Berkelanjutan and Sustainable Land Use
Kegiatan Usaha dan/atau Kegiatan Lain Eco-Friendly Business Activities
205,667 88,158 115,136
yang Berwawasan Lingkungan Lainnya and/or Other Activities
Energi Terbarukan 15,482 - - Renewable Energy
Kegiatan UMKM 3,167,772 3,053,977 2,445,354 MSME Activities
Total 3,770,770 3,534,360 3,062,413 Total
Literasi dan Inklusi Keuangan Financial Literacy and Inclusion
Bank melaksanakan program literasi dan inklusi keuangan guna The Bank carries out financial literacy and inclusion programs to
meningkatkan kemampuan masyarakat di Indonesia dalam improve the financial management skills of people in Indonesia.
pengelolaan keuangan. Program literasi dan inklusi keuangan The financial literacy and inclusion programs are implemented
dilaksanakan berdasarkan kebijakan yang ditetapkan melalui Surat based on policies stipulated through the Board of Directors’
Keputusan Direksi No. 004/SK-DIR/10/24 dan dikoordinasikan oleh Decision Letter No. 004/SK-DIR/10/24 and coordinated by Branch
Divisi Branch Banking Network dan divisi terkait lainnya. Banking Network Division and other relevant divisions.
Adapun tahapan implementasi program literasi dan inklusi keuangan The implementation stages for the financial literacy and inclusion
diuraikan sebagai berikut: program are described as follows:
Materi edukasi disampaikan oleh para profesional yang Educational materials are delivered by professionals who have
telah mendapatkan pelatihan khusus dan memiliki received special training and have a deep understanding of
pemahaman mendalam tentang program yang diajarkan. the programs taught. To enhance participants’ understanding,
Perencanaan Untuk meningkatkan pemahaman peserta, Bank menyediakan the Bank provides materials supported by high-quality
dan Persiapan materi dengan dukungan media audio-visual berkualitas audio-visual media. In addition, several children songs with the
Planning and tinggi. Sebagai tambahan, beberapa lagu anak bertema theme “Ayo Menabung” (Let’s Save Money) are also prepared
Preparation “Ayo Menabung” juga dipersiapkan untuk menarik minat siswa to attract students’ interest in participating in educational
dalam mengikuti kegiatan edukasi. Apabila program dilaksanakan activities. When the program is held virtually, the Bank also
secara virtual, Bank juga menyediakan tautan Zoom sebagai provides links for Zoom meeting as a platform for implementing
sarana pelaksanaan edukasi dan literasi keuangan. financial education and literacy.
Pelaksanaan program dirancang sesuai dengan lokasi The program implementation is designed according to the
Pencapaian kantor cabang utama dan cabang pembantu, dengan location of main branch and sub-branch offices, by considering
Tujuan yang mempertimbangkan kemudahan akses dan koordinasi antar accessibility and coordination between related parties. This
Telah Ditetapkan pihak terkait. Program ini bertujuan menjadi sarana edukasi bagi program aims to be a means of education for the community,
Achievement masyarakat, terutama ibu-ibu, dalam meningkatkan kemampuan particularly housewives, in improving their ability to plan
of the merencanakan keuangan rumah tangga secara lebih efektif. household finances more effectively. Meanwhile, for elementary,
Predetermined Sementara itu, untuk siswa SD, SMP, dan SMA, program ini junior high, and high school students, this program is expected to
Goals diharapkan dapat menambah wawasan tentang pentingnya increase their insight into the importance of saving money early
menabung sejak usia dini dan manfaatnya di masa depan. and its benefits in the future.
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Tanggung Jawab Sosial dan Lingkungan Hidup
Social and Environmental Responsibility
Program literasi keuangan dilaksanakan secara berkala mengikuti The financial literacy program is implemented periodically in
tahapan implementasi berikut: accordance with the following implementation stages:
• Sebelum program dimulai, peserta akan mengikuti pre-test • Before the program begins, participants will take a pre-test to
untuk mengukur tingkat pemahaman awal peserta. Tes ini measure their initial level of understanding. This test consists
terdiri dari 17 pertanyaan yang berhubungan dengan topik of 17 questions related to the topics to be discussed during
yang akan dibahas selama program; the program;
Pelaksanaan • Setelah hasil pre-test dianalisis, edukasi akan diberikan • After the pre-test results are analyzed, education will be
Strategi dan oleh tim dari Bank Victoria melalui metode interaktif yang provided by Bank Victoria team through an interactive method
Kebijakan mendorong partisipasi aktif peserta, memungkinkan peserta that encourages active participation of participants, allowing
Implementation bertanya dan menyampaikan pendapat secara langsung; dan them to directly raise questions and express opinions; and
of Strategies and • Setelah program selesai, peserta akan menjalani post-test • After the program is completed, participants will undergo
dengan pertanyaan serupa dari pre-test untuk mengukur a post-test with similar questions from the pre-test to
Policies
sejauh mana pemahaman peserta telah berkembang serta measure the extent to which participants’ understanding has
mengevaluasi keberhasilan program. developed and to evaluate the success of the program.
Pre-test dan post-test juga dapat dilaksanakan secara virtual Pre-test and post-test can also be conducted virtually through
melalui aplikasi khusus yang terpisah dari Zoom yang digunakan separate dedicated application from Zoom that is used during
selama sesi edukasi. the education sessions.
Bank menghadapi sejumlah tantangan dalam mengajak peserta The Bank encountered several challenges in inviting participants
untuk mengikuti program, antara lain: to participate in the program, including:
• Waktu yang terbatas menyebabkan pemahaman mengenai • Limited time that results in less than optimal understanding of
pentingnya perencanaan keuangan rumah tangga kurang the importance of household financial planning;
Evaluasi Kendala maksimal;
yang Dihadapi • Beberapa sekolah swasta, yang menjadi target program, • Several private schools, which are the program targets, have
dan Upaya-Upaya memiliki kebijakan internal yang membatasi pelaksanaan internal policies that limit the program implementation within
Pemecahan program di lingkungan sekolah tersebut; the school;
• Terbatasnya akses internet yang memengaruhi partisipasi • Limited internet access which affects student participation;
Masalah
siswa; dan and
Evaluation • Tidak semua ibu rumah tangga memiliki perangkat atau • Not all housewives have devices or adequate understanding
of Obstacles pemahaman yang memadai terkait penggunaan aplikasi Zoom on how to use Zoom application when the program is held
Encountered and saat program dilakukan secara virtual. virtually.
Problem-Solving
Measures Untuk mengatasi hambatan-hambatan tersebut, Bank mengambil To overcome these obstacles, the Bank took proactive steps,
langkah-langkah proaktif, seperti berkoordinasi dengan para such as coordinating with the leaders of education participant
pemimpin kelompok peserta edukasi dan bekerja sama dengan groups and working together with related parties, so that the
pihak-pihak terkait, sehingga program dapat terlaksana dengan program could be held smoothly and achieve the targets set.
lancar dan mencapai target yang ditetapkan.
Pelaksanaan Program Literasi dan Inklusi Implementation of Financial Literacy and
Keuangan Inclusion Program
Pelaksanaan program literasi dan inklusi keuangan Bank di tahun The implementation of the Bank’s financial literacy and inclusion
2024 diuraikan sebagai berikut: program in 2024 is described as follows:
1. Kegiatan edukasi digital banking dengan tema “Technology 1. Education activities of digital banking with the theme
Make a Difference” di SMAN 8 Cireundeu, Tangerang Selatan “Technology Makes a Difference” at SMAN 8 Cireundeu, South
dengan peserta siswa-siswi SMA kelas 11 sebanyak 60 orang; Tangerang, with 60 high school grade 11 students participating;
2. Kegiatan edukasi perbankan dengan tema “Ayo ke Bank” 2. Banking education activity with the theme “Ayo ke Bank”
di SMPN 13 Jakarta Selatan dengan peserta siswa-siswi (Let’s Go to the Bank) at SMPN 13 South Jakarta with 100 grade
kelas 7,8, dan 9 sebanyak 100 orang; serta 7, 8, and 9 students participating; and
3. Kegiatan edukasi digital banking dengan tema “Technology 3. Education activities of digital banking with the theme
Make a Difference” di Universitas Bina Nusantara Jakarta Barat “Technology Makes a Difference” at Bina Nusantara University,
dengan peserta mahasiswa dan mahasiswi sebanyak 75 orang. West Jakarta, with 75 male and female students.
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Keberlanjutan Kinerja Sosial
Social Performance Sustainability
Komitmen Pelayanan Terbaik bagi Nasabah Commitment to the Best Service for
[POJK F.17] Customers [POJK F.17]
Bank berkomitmen untuk menyediakan produk dan layanan The Bank is committed to providing reliable banking products and
perbankan yang andal serta memastikan setiap nasabah memiliki services and ensuring that every customer has equal access to
akses yang setara terhadap semua produk dan layanan yang all products and services offered. This commitment is stipulated
ditawarkan. Komitmen ini diatur dalam Surat Keputusan Direksi in the Board of Directors’ Decision Letter No. 041/SK-DIR/07/14
No. 041/SK-DIR/07/14 tentang Kebijakan dan Prosedur Kualitas on Policies and Procedures for Customer Service Quality
Pelayanan Nasabah (Customer Experience), yang juga menjadi (Customer Experience), which also serves as the main guideline for
panduan utama bagi Standar Pelayanan Nasabah di Bank Victoria. Customer Service Standards at Bank Victoria.
Manfaat dari Produk dan Layanan Benefits of Products and Services Provided
yang Diberikan [POJK F.28] [POJK F.28]
Bank berkomitmen untuk menyediakan solusi keuangan The Bank is committed to providing comprehensive financial
yang komprehensif bagi nasabah individu dan korporasi, solutions for individual and corporate customers, covering various
mencakup berbagai kebutuhan ekonomi. Melalui produk simpanan, economic needs. Through savings products, loans, investment
pinjaman, layanan investasi, dan bank devisa, Bank membantu services, and foreign exchange banking services, the Bank helps
mengelola transaksi keuangan sehari-hari hingga perencanaan manage day-to-day financial transactions to long-term planning.
jangka panjang. Selain itu, Bank menyediakan berbagai layanan Furthermore, the Bank provides various additional services that
tambahan yang mendukung kebutuhan keuangan nasabah support customers’ overall financial needs.
secara menyeluruh.
Namun, Bank juga menyadari adanya potensi dampak negatif dari However, the Bank is also aware of the potential negative
produk dan layanan, terutama terkait dengan penyaluran kredit impacts of products and services, particularly related to lending
di sektor-sektor tertentu. Dampak negatif yang diidentifikasi in certain sectors. The negative impacts identified include social
meliputi risiko sosial dan lingkungan. Secara sosial, terdapat potensi and environmental risks. In social terms, there is a potential for
pelanggaran hak asasi manusia, seperti pekerja di bawah umur, human rights violations, such as underage workers, wage below
upah di bawah standar minimum, dan kondisi kerja yang tidak layak the minimum standard, and unsuitable working conditions in
di industri padat karya. Untuk memitigasi risiko ini, Bank menerapkan labor-intensive industries. To mitigate these risks, the Bank applies
persyaratan kredit yang ketat, memastikan bahwa calon debitur strict loan requirements, ensures that the potential debtors comply
mematuhi peraturan ketenagakerjaan, serta meningkatkan with labor regulations, and increases supervision through regular
pengawasan melalui survei lapangan secara berkala. field surveys.
Di sisi lingkungan, Bank mengakui adanya potensi ancaman seperti On environmental side, the Bank recognizes potential threats
deforestasi, kebakaran hutan dan lahan, serta dampak perubahan such as deforestation, forest and land fires, and the impacts of
iklim, yang berkontribusi pada degradasi lingkungan dalam sektor climate change, which contribute to environmental degradation in
berbasis lahan. Untuk mencegah hal ini, Bank memberlakukan land-based sector. To prevent this matter, the Bank implements
kebijakan yang mewajibkan dokumen Analisis Mengenai Dampak the policy that requires an Environmental Impact Analysis (AMDAL)
Lingkungan (AMDAL) bagi debitur yang mengelola lahan seluas document for debtor who manages land of 25 hectares or more
25 hektare atau lebih sebagai salah satu syarat pengajuan kredit. as one of the requirements for applying loan. With this step, the
Dengan langkah ini, Bank berusaha memastikan bahwa setiap Bank seeks to ensure that every project financed has considered
proyek yang dibiayai telah memperhatikan dampak lingkungan dan environmental impacts and taken appropriate mitigation measures.
mengambil langkah-langkah mitigasi yang tepat.
Bank akan terus mengidentifikasi potensi risiko dan mengembangkan The Bank will continue to identify potential risks and develop
kebijakan serta praktik terbaik yang mendukung keberlanjutan policies and best practices that support social and environmental
sosial dan lingkungan, sambil tetap melayani kebutuhan keuangan sustainability, while continuing to serve customers’ financial needs
nasabah dengan produk yang inovatif dan bertanggung jawab. with innovative and responsible products.
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Tanggung Jawab Sosial dan Lingkungan Hidup
Social and Environmental Responsibility
Inovasi dan Pengembangan Produk dan Jasa Product and Service Innovation and Development
[POJK F.26] [POJK F.26]
Bank berupaya mengembangkan produk dan layanan untuk terus The Bank strives to develop products and services to continuously
meningkatkan daya saing dan sesuai dengan kebutuhan nasabah. improve its competitiveness and meet customer needs. In 2024,
Pada tahun 2024, Bank telah merealisasikan beberapa program the Bank realized several programs in developing products and
dalam rangka pengembangan produk dan jasa sebagaimana services as described below:
diuraikan berikut:
1. Penandatanganan kerja sama strategis dengan PT Jalin Pembayaran 1. Signing of strategic cooperation with PT Jalin Pembayaran
Nusantara terkait: Nusantara on:
a. Tarik tunai tanpa kartu (Cardless Cash Withdrawal/CCW) a. Cardless Cash Withdrawal (CCW) by using HIMBARA
menggunakan mesin ATM bank-bank HIMBARA; dan banks’ ATM; and
b. Interkoneksi kode QR Indonesia Standard sebagai QRIS b. Interconnection of QR Indonesia Standard code as QRIS
Merchant Acquirer dan QRIS Cross-Border dalam jaringan Link. Merchant Acquirer and QRIS Cross-Border in Link network.
2. Kerja sama dengan pihak ketiga untuk acquire nasabah serta 2. Cooperation with third parties to acquire customers and provide
menyediakan layanan financial planning fitur dan edukasi financial planning features as well as financial education
financial (Finetiks); services (Finetiks);
3. Kerja sama layanan pembelian voucher digital (Ultra Voucher) 3. Cooperation in digital voucher purchase services (Ultra Voucher)
pada aplikasi New Victoria Mobile antara Bank Victoria dengan on New Victoria Mobile application between Bank Victoria and
PT Trimegah Karya Pratama; PT Trimegah Karya Pratama;
4. Peluncuran New Victoria Mobile pada Maret 2024 dengan fitur 4. Launching of New Victoria Mobile in March 2024 with the
terbaru, termasuk proses pembukaan rekening digital/onboarding latest features, including digital account opening/onboarding
bagi nasabah baru dan proses registrasi secara mandiri process for new customers and independent registration
melalui aplikasi; process through the application;
5. Penambahan fitur pada aplikasi New Victoria Mobile, termasuk 5. Additional features to the New Victoria Mobile application,
tarik tunai tanpa kartu (Cardless Cash Withdrawal/CCW) including Cardless Cash Withdrawal (CCW) by using private
menggunakan mesin ATM bank-bank swasta, QRIS pembayaran banks’ ATM, QRIS Merchant Presented Mode payment and
Merchant Presented Mode dan top up e-wallet dalam jaringan e-wallet top up within Prima network, cooperating with
Prima, bekerja sama dengan PT Rintis Sejahtera; PT Rintis Sejahtera;
6. Penambahan fitur bancassurance digital di New Victoria 6. Additional feature of digital bancassurance in New Victoria
Mobile, bekerja sama dengan PT BNI Life Insurance; Mobile, cooperating with PT BNI Life Insurance;
7. Kerja sama produk reksa dana dengan Syailendra Capital guna 7. Mutual fund product cooperation with Syailendra Capital to
memperluas pilihan investasi bagi nasabah; expand investment options for customers;
8. Penambahan produk reksa dana dengan Setiabudi Investment 8. Additional mutual fund products with Setiabudi Investment
Management sebagai bagian dari diversifikasi produk investasi; Management as part of investment product diversification;
dan and
9. Penambahan produk bancassurance dengan Generali, guna 9. Additional bancassurance products with Generali, to increase
meningkatkan pilihan perlindungan keuangan bagi nasabah. financial protection options for customers.
Program Peningkatan Kualitas Layanan Services Quality Improvement Program
Guna meningkatkan kualitas layanan, Bank melaksanakan berbagai To improve service quality, the Bank implements the following
program berikut: programs:
1. Menyusun standar service excellence bagi seluruh kantor 1. Developing service excellence standards that meet customer
cabang sesuai dengan tuntutan dan harapan nasabah; demands and expectations for all the Bank’s branch offices;
2. Melaksanakan dan memantau kegiatan service excellence 2. Consistently running and monitoring service excellence
secara konsisten di kantor cabang; activities at branch offices;
3. Menetapkan standar zero defect dalam operasional transaksi 3. Establishing zero-defect standard in banking transaction
perbankan; operations;
4. Melakukan pelatihan dan pengembangan service excellence 4. Conducting employee training and development of service
bagi pegawai frontliner di seluruh kantor cabang Bank; excellence for all frontline staffs of the Bank’s branch offices;
5. Menggunakan kartu ATM berbasis chip card untuk mendukung 5. Utilizing chip-based ATM cards to enhance customer security;
peningkatan keamanan nasabah; dan and
6. Mengembangkan sistem kliring nasional (SKN) dan real time 6. Developing the national clearing system (SKN) and real
gross settlement (RTGS) Generasi II untuk fitur bulk payment time gross settlement (RTGS) Generation II to support bulk
(kliring one to many transfer), menyediakan internet banking payment feature (one-to-many transfer clearing), providing
dan mobile banking untuk kenyamanan bertransaksi bagi internet banking and mobile banking for customers’ transaction
nasabah, serta memperbaiki tampilan situs web Bank menjadi convenience, and improving the Bank’s website display to be
lebih interaktif agar lebih mudah dipahami oleh pengguna. more interactive and user friendly.
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Keamanan Simpanan dan Customer Deposit Security
Kerahasiaan Data Nasabah and Data Confidentiality
Untuk meningkatkan kepercayaan nasabah, Bank memastikan To increase customer trust, the Bank ensures the security of
keamanan bertransaksi nasabah dengan menjadi peserta Lembaga customer transactions by becoming a participant in the Deposit
Penjamin Simpanan (LPS). Dalam hal ini, LPS telah menerapkan Insurance Corporation (LPS). In this case, LPS has implemented
persyaratan ketat bagi Bank yang ikut serta sebagai anggotanya strict requirements for the Banks that participate as its members,
sehingga nasabah mendapatkan kepastian dana yang disimpan jika enabling customers to get certainty about the funds they save in
terjadi sesuatu yang tidak diinginkan pada Bank. the event something undesirable occurs to the Bank.
Selain itu, Bank senantiasa mengelola seluruh data nasabah Furthermore, the Bank continuously manages all customer data with
dengan tingkat kehati-hatian yang tinggi. Secara lebih spesifik, a high level of prudence. More specifically, the Bank guarantees the
Bank menjamin keamanan simpanan dan kerahasiaan data nasabah security of deposits and the confidentiality of customer data by
dengan mematuhi dan terikat pada regulasi sebagai berikut: complying with and being bound by the following regulations:
1. Undang-Undang No. 7 Tahun 1992 tentang Perbankan, 1. Law No. 7 of 1992 on Banking, and its amendments in Law
dan perubahannya dalam Undang-Undang No. 10 Tahun 1998; No. 10 of 1998;
2. Undang-Undang Republik Indonesia No. 27 Tahun 2022 2. Law of the Republic of Indonesia No. 27 of 2022 on Personal
tentang Perlindungan Data Pribadi; Data Protection;
3. Undang-Undang No. 4 Tahun 2023 tentang Pengembangan 3. Law No. 4 of 2023 on Financial Sector Development and
dan Penguatan Sektor Keuangan; Strengthening;
4. Peraturan Bank Indonesia No. 2/19/PBI/2000 tentang 4. Bank Indonesia Regulation No. 2/19/PBI/2000 on Requirements
Persyaratan dan Tata Cara Pemberian Perintah atau Izin Tertulis and Procedures for Giving Order or Written Permission to
Membuka Rahasia Bank; Disclose Banking Information;
5. Peraturan Bank Indonesia No. 3 Tahun 2023 tentang 5. Bank Indonesia Regulation No. 3 of 2023 on Consumer
Perlindungan Konsumen Bank Indonesia; dan Protection of Bank Indonesia; and
6. Peraturan Otoritas Jasa Keuangan No. 22 tahun 2023 tentang 6. Financial Services Authority Regulation No. 22 of 2023 on Consumer
Perlindungan Konsumen dan Masyarakat di Sektor Jasa Keuangan. and Community Protection in the Financial Services Sector.
Bank juga secara aktif mengingatkan nasabah untuk selalu mengambil The Bank also actively reminds customers to always take preventive
langkah-langkah pencegahan dalam menjaga keamanan data pribadi measures in maintaining the security of their personal data and
dan simpanannya. Berikut beberapa imbauan yang dianjurkan oleh Bank: deposits. Below are some suggestions recommended by the Bank:
Keamanan Bertransaksi
Transaction Security
Simpan Kartu ATM Kartu ATM adalah akses termudah menuju dana yang ada di rekening anda, untuk itu pastikan kartu ATM anda
tersimpan dengan baik dan tidak dipinjamkan kepada orang lain.
Keep the ATM Card ATM card is the easiest access to your account, so make sure your ATM card is kept properly and do not lend it to
other people.
PIN dan Password Milik Pribadi Pelaksanaan penilaian peer evaluation dilakukan oleh setiap anggota Dewan Komisaris terhadap anggota
Dewan Komisaris lainnya.
PIN and Password are Personal The peer evaluation assessment is conducted by each member of the Board of Commissioners against other
members of the Board of Commissioners.
Tidak Menandatangani Dokumen Dalam kondisi apapun, jangan pernah menandatangani formulir/slip kosong. Pastikan seluruh informasi di formulir/slip
Kosong kosong sudah benar dan sesuai dengan kebutuhan anda.
Not Signing Blank Documents Under no circumstances should you sign a blank form/slip. Make sure that all information on the blank form/slip is
correct and fit to your needs.
Gunakan Internet Banking dan Aktifkan fasilitas Internet Banking dan Mobile Banking (IBMB) anda, selain memudahkan transaksi perbankan,
Mobile Banking dengan IBMB anda dapat selalu memonitor rekening secara tepat waktu.
Use Internet Banking and Mobile Activate your Internet Banking and Mobile Banking (IBMB) facilities. In addition to facilitating banking transactions,
Banking IBMB can always help monitor your accounts in a timely manner.
Rutin Cek Saldo Lakukan pengecekan saldo anda secara berkala. Jika anda menemukan transaksi mencurigakan segera hubungi
Call Center untuk meminta penjelasan. Cek saldo dapat dilakukan melalui layanan Call Center, IBMB, ATM, dan cetak
buku tabungan di kantor cabang terdekat.
Regularly Check Your Balance Check your balance regularly. If you find a suspicious transaction, immediately contact the Call Center to ask for
explanation. Balance checking can be done through Call Center, IBMB, ATM services, and print the bank passbook
at the nearest branch office.
Atas upaya yang dilakukan, Bank tidak mendapatkan keluhan terkait Due to the efforts made, the Bank did not receive any complaints
privasi nasabah di sepanjang tahun 2024. regarding customer privacy throughout 2024.
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Tanggung Jawab Sosial dan Lingkungan Hidup
Social and Environmental Responsibility
Program Keterikatan Nasabah Customer Engagement Program
Bank Victoria secara konsisten mengadakan berbagai kegiatan Bank Victoria consistently holds various activities to strengthen
untuk memperkuat keterikatan dengan para nasabah, engagement with customers, creating closer and more personal
menciptakan hubungan yang lebih erat dan personal. Salah satu relationships. One of the efforts made is through attractive
upaya yang dilakukan adalah melalui program-program menarik yang programs designed to increase customer satisfaction and loyalty.
dirancang untuk meningkatkan kepuasan dan loyalitas nasabah. Some of the initiatives implemented include a savings program with
Beberapa inisiatif yang telah dilaksanakan antara lain program direct prizes, in which customers get various attractive benefits as
tabungan dengan hadiah langsung, di mana nasabah mendapatkan appreciation. Moreover, the Bank holds a loyalty program in form
berbagai keuntungan menarik sebagai apresiasi. Selain itu, of giving cake gifts on customers’ birthdays, as a form of attention
Bank juga menyelenggarakan program loyalitas berupa pemberian and appreciation for customer loyalty. Not only that, the Bank also
hadiah kue di hari ulang tahun nasabah, sebagai bentuk perhatian holds regular meetings through customer gathering events that
dan penghargaan terhadap kesetiaan nasabah. Tidak hanya itu, present the Board of Directors, allowing customers to interact
Bank juga mengadakan pertemuan rutin melalui acara customer directly and provide input, while strengthening trust and long-term
gathering yang menghadirkan jajaran Direksi, memungkinkan relationships.
nasabah untuk berinteraksi langsung dan memberikan masukan,
sekaligus memperkuat kepercayaan dan hubungan jangka panjang.
Evaluasi Produk dan Jasa Evaluation of Products and Services
[POJK F.27] [POJK F.29] [POJK F.27] [POJK F.29]
Wealth and Liabilities Product Conventional and Digital Development Wealth and Liabilities Product Conventional and Digital Development
memiliki tugas dan tanggung jawab untuk terus mengelola dan has the duty and responsibility to continuously manage and develop
mengembangkan produk dan jasa keuangan Bank. Bank memastikan the Bank’s financial products and services. The Bank ensures that all
bahwa seluruh produk dan jasa keuangan yang diluncurkan telah financial products and services launched have obtained approval
memperoleh persetujuan Bank Indonesia maupun Otoritas Jasa from Bank Indonesia and the Financial Services Authority. Every
Keuangan. Setiap terdapat produk dan jasa keuangan baru yang new financial product and service to be launched will be evaluated
akan diluncurkan akan dievaluasi oleh pemilik produk (owner), by the product owner, presented to the Product Committee
dipresentasikan pada Komite Produk melalui proses penilaian risiko through risk assessment process by Risk Management Work Unit,
(risk assessment) oleh Satuan Kerja Manajemen Risiko, uji kepatuhan compliance test by Compliance Division, which are reviewed and
oleh Divisi Kepatuhan, yang ditinjau dan diawasi oleh Direksi. supervised by the Board of Directors.
Pada tahun 2024, seluruh (100%) produk dan layanan Bank telah In 2024, all (100%) of the Bank’s products and services were
dievaluasi. Selain itu, tidak terdapat produk dan jasa keuangan Bank evaluated. Additionally, none of the Bank’s financial products and
yang ditangguhkan atau ditarik kembali setelah diluncurkan. services were suspended or withdrawn after launch.
Survei Kepuasan Nasabah [POJK F.30] Customer Satisfaction Survey [POJK F.30]
Pengukuran indeks kepuasan nasabah dilakukan Bank dalam The Bank measures the customer satisfaction index to evaluate
rangka mengevaluasi kualitas produk dan layanan. Pengukuran the quality of its products and services. The customer satisfaction
kepuasan nasabah tersebut dilakukan setiap semester/awal periode measurement is conducted every semester/beginning of the
triwulan 1 (satu) dan triwulan 3 (tiga) di masing-masing kantor 1st (first) and 3rd (third) quarter periods at each branch office. Then,
cabang. Selanjutnya, hasilnya akan dikumpulkan di kantor pusat the results will be collected at the head office for the final evaluation
untuk proses evaluasi akhir. Berdasarkan hasil pengukuran dalam process. Based on the measurement results over a period of
kurun waktu 3 (tiga) tahun, kepuasan nasabah Bank ditunjukkan 3 (three) years, the Bank’s customer satisfaction is shown as follows:
sebagai berikut:
Indikator 2024 2023 2022 Indicator
Teller (Grooming, Behavior, Skill, Teller (Grooming, Behavior, Skill,
92 90 85
and Product Knowledge) and Product Knowledge)
Customer Service (Behavior, Skill, Product Customer Service (Behavior, Skill, Product
92 90 85
Knowledge, and Cross Selling) Knowledge, and Cross Selling)
Security (Grooming, Behavior, Skill, Security (Grooming, Behavior, Skill,
92 90 85
and Product Knowledge) and Product Knowledge)
Eksterior dan Interior Kantor Cabang 80 75 75 Exterior and Interior of Branch Offices
Rata-Rata Hasil 89.00 86.25 82.50 Average Results
Baik Baik Baik
Kategori Category
Good Good Good
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Sarana Pengaduan Nasabah Customer Complaint Channel
Bank Victoria menyediakan berbagai sarana untuk memudahkan Bank Victoria provides various facilities to facilitate customers
nasabah menyampaikan pengaduan terkait produk dan layanan to submit complaints related to the products and services that
yang digunakan. Dengan dukungan sistem online yang dikelola oleh are used. With the support of an online system managed by the
Direktorat Operasional, nasabah dapat melaporkan keluhan melalui Operational Directorate, customers can report complaints through
beberapa saluran, termasuk Call Center 24 jam di nomor 1500977, several channels, including the 24-hour Call Center at 1500977,
e-mail di customercare@victoriabank.co.id, serta Customer Service email at customercare@victoriabank.co.id, and Customer Service
di seluruh kantor cabang. Selain itu, nasabah juga dapat menggunakan at all branch offices. Furthermore, customers can use Bank Victoria
aplikasi Bank Victoria yang tersedia di Playstore dan Appstore, application available on Playstore and Appstore, thereby making
sehingga akses pengaduan menjadi lebih praktis dan fleksibel. access to complaints more practical and flexible.
Sistem pengaduan nasabah Bank dirancang untuk mempermudah The Bank’s customer complaint system is designed to enable
nasabah dalam melacak status penyelesaian keluhan di setiap customers to track the status of complaint resolution at each Bank
kantor cabang Bank Victoria. Dalam menangani setiap pengaduan, Victoria branch office. In handling each complaint, the Bank ensures
Bank memastikan validitas laporan dan berkomitmen the report’s validity and is committed to strictly settling it in a timely
menyelesaikannya dengan ketegasan dan ketepatan waktu, manner according to the Standard Service Level Agreement (SLA)
sesuai dengan Standar Service Level Agreement (SLA) yang telah established. To provide transparency, Bank Victoria also periodically
ditetapkan. Untuk memberikan transparansi, Bank Victoria juga presents data on the number of complaints received and followed
secara berkala menyajikan data mengenai jumlah pengaduan yang up as part of its commitment to optimal services. The following is
diterima dan ditindaklanjuti sebagai bagian dari komitmen terhadap the number of complaints received by the Bank within a period of
pelayanan yang optimal. Berikut jumlah pengaduan yang diterima 3 (three) years:
Bank dalam kurun waktu 3 (tiga) tahun:
2024 2023 2022
Sedang
Jumlah Selesai Jumlah Selesai Jumlah Selesai
Jenis Pengaduan Ditindaklanjuti
Keluhan Settled Keluhan Settled Keluhan Settled
Type of Complaint On Follow Up
Total Total Total
Complaint Jumlah %
Jumlah
% Complaint Jumlah % Complaint Jumlah %
Total Total Total Total
Transaksi Gagal di ATM
80 79 98.75 1 1.25 113 113 100.00 108 108 100.00
Failed Transaction at ATM
Internet/Mobile Banking 597 594 99.50 3 0.50 405 405 100.00 762 762 100.00
Internet Banking Business 5 5 100.00 - - 11 11 100.00 4 4 100.00
Tabungan
7 7 100.00 - - 1 1 100.00 1 1 100.00
Savings Account
EDC 1 1 100.00 - - 5 5 100.00 2 2 100.00
Deposito
3 3 100.00 - - - - - - - -
Time Deposits
Kredit Pembiayaan Modal Kerja
6 6 100.00 - - 2 2 100.00 1 1 100.00
Working Capital Financing Loans
Total 699 695 99.43 4 0.57 537 537 100.00 878 878 100.00
Pengelolaan Human Capital yang Berkualitas Quality Human Capital Management
Pertumbuhan bisnis membutuhkan dukungan Human Capital (HC) Business growth requires the support of competent Human Capital
yang kompeten. Bank mengelola HC dari rekrutmen hingga akhir (HC). The Bank manages HC from recruitment to career end
karier dengan tujuan menciptakan HC berkualitas yang memberikan with the aim of generating quality HC that provides competitive
keunggulan kompetitif. Strategi HC disesuaikan dengan visi, advantages. HC strategy is adjusted to the vision, mission, and
misi, dan dinamika industri. Pengelolaan dimulai dari memastikan dynamics of the industry. The management begins by ensuring that
struktur organisasi mendukung pencapaian target secara the organizational structure supports the effective and efficient
efektif dan efisien, serta ketersediaan jumlah HC yang memadai. achievement of targets, as well as the availability of an adequate
Selain jumlah, kualitas dan kompetensi HC juga diprioritaskan. number of HC. Apart from the number, the quality and competence
Perencanaan pengembangan HC dilakukan secara transparan of HC are also prioritized. HC development planning is carried out
dan terukur, serta dimonitor oleh manajemen untuk memastikan transparently and measurably, and is monitored by the management
kesesuaiannya dengan rencana strategis. to ensure its compliance with the strategic plans.
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Tanggung Jawab Sosial dan Lingkungan Hidup
Social and Environmental Responsibility
Kebijakan Pengelolaan Human Capital Human Capital Management Policy
Bank Victoria telah menyusun panduan pengelolaan HC Bank Victoria has prepared HC management guidelines as outlined
yang tertuang dalam Kebijakan Human Capital Management. in the Human Capital Management Policy. This policy has been
Kebijakan ini disahkan dan diperbarui melalui Surat Keputusan ratified and updated through the Board of Directors’ Decision Letter
Direksi No. 004/SK-DIR/01/24 tanggal 8 Januari 2024 tentang No. 004/SK-DIR/01/24 dated 8 January 2024 on the Human Capital
Kebijakan Human Capital Management dan Surat Keputusan Direksi Management Policies and Board of Directors’ Decision Letter No.
No. 005/SK-DIR/01/24 tanggal 8 Januari 2024 tentang Standar 005/SK-DIR/01/24 dated 8 January 2024 on Standard Operating
Operasional Prosedur Human Capital Management. Procedures for Human Capital Management.
Selain itu, Bank juga berkomitmen membangun hubungan industrial Furthermore, the Bank is committed to building harmonious
yang harmonis dan berkualitas antara karyawan dan Bank. Implementasi and quality industrial relations between employees and
dari hubungan industrial tersebut berlandaskan Surat Keputusan the Bank. The implementation of such industrial relations is
Direktur Jenderal Pembinaan Hubungan Industrial dan Jaminan Sosial based on the Decree of the Director General of Development
Tenaga Kerja No. Kep.4/HI.00.00/00.0000.230404006/B/VII/2023 of Industrial Relations and Social Security for Workers
tanggal 18 Juli 2023 tentang Pengesahan Peraturan Perusahaan No. Kep.4/HI.00.00/00.0000.230404006/B/VII/2023 dated 18 July
PT Bank Victoria International Tbk. Peraturan ini akan diperbarui 2023 on Approval of Company Regulations of PT Bank Victoria
secara berkala sesuai perkembangan regulasi ketenagakerjaan. International Tbk. This regulation will be updated periodically in
accordance with developments in employment regulations.
Keberagaman di Bank Victoria Diversity in Bank Victoria
Bank Victoria menjunjung tinggi keberagaman dengan Bank Victoria upholds diversity by creating an inclusive work
menciptakan lingkungan kerja yang inklusif bagi semua karyawan, environment for all employees, regardless of their ethnicity, race,
tanpa memandang latar belakang suku, ras, agama, atau gender. religion, or gender. The Bank believes that diversity of perspectives
Bank percaya bahwa keberagaman perspektif memperkaya inovasi enriches innovation and decision-making in every aspect of
dan pengambilan keputusan dalam setiap aspek operasional. operations. Through a fair and equal policy, Bank Victoria continues
Melalui kebijakan yang adil dan setara, Bank Victoria terus to support the development of employees from various cultures and
mendukung pengembangan karyawan dari berbagai budaya expertise.
dan keahlian.
Hak Asasi Manusia [S-09] Human Rights [S-09]
Bank Victoria selalu menghormati hak asasi setiap karyawan dengan Bank Victoria always honors the human rights of every employee by
menerapkan kebijakan yang adil terkait waktu kerja dan pemberian implementing fair policies regarding working hours and granting of
izin, seperti yang diuraikan sebagai berikut: leave, as described below:
1. Bank menerapkan jam kerja yang proporsional sesuai dengan 1. The Bank implements proportional work hours, follows standards,
standar, serta menetapkan waktu kerja lembur dilengkapi and determines overtime hours and overtime facilities adjusted
fasilitas yang disesuaikan dengan kebutuhan operasional; to the operational requirements;
2. Setiap karyawan Bank Victoria diberikan izin untuk menjalankan 2. Each employee of Bank Victoria is allowed to practice worship
ibadah sesuai dengan kepercayaan yang diyakini; according to the respective belief;
3. Karyawan Bank diizinkan untuk meninggalkan pekerjaan 3. The Bank gives its employees permission to leave work while
dengan tetap menerima gaji penuh karena: still receiving full salary for:
a. Peristiwa khusus, yaitu pernikahan karyawan, a. Special events, i.e. employee’s marriage, marriage of employee’s
karyawan menikahkan anak, suami/istri/anak/menantu/ child, death of employee’s husband/wife/child/child-in-
orang tua/mertua/anggota dalam 1 (satu) rumah meninggal law/parent/parent-in-law/other family member living in
dunia, kelahiran anak, istri karyawan mengalami keguguran employee’s household, child birth, employee’s wife experiencing
kandungan, khitanan anak, pembaptisan anak; miscarriage, circumcision of child, baptism of child;
b. Sakit, yaitu sakit dengan surat dokter, sakit tanpa surat b. Sick, i.e. illness with doctor’s note, illness without doctor’s
dokter selama 1 (satu) hari dan sakit dengan rawat inap; reference letter for 1 (one) day, and illness requiring
hospitalization;
c. Keperluan pribadi yang penting, mendadak, dan tidak c. Urgent personal matter, sudden necessity that cannot be
dapat diwakilkan; dan represented by others; and
d. Mengalami halangan di luar kemampuan karyawan. d. Experiencing obstacles beyond employee’s control.
4. Karyawan yang telah bekerja di Bank selama 1 (satu) tahun 4. Employees who have worked in the Bank for 1 (one) consecutive
secara terus menerus dapat mengambil cuti tahunan dengan year can take annual leave with full salary payment. The length
tetap menerima gaji penuh. Lamanya cuti tahunan diatur of annual leave is determined based on employee’s position,
berdasarkan jabatan karyawan, berdasarkan ketentuan yang according to regulations applied at the Bank.
berlaku di Bank.
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Kepatuhan Terhadap Praktik Kerja tanpa Tenaga Compliance with Zero Child Labor and Forced
Kerja Anak dan Tenaga Kerja Paksa [POJK F.19] [S-10] Labor Employment Practice [POJK F.19] [S-10]
Bank tidak mempekerjakan karyawan di bawah umur, The Bank does not employ underage employees, does not impose
tidak memberlakukan kerja paksa pada karyawan, dan senantiasa forced labor on employees, and always complies with the provisions
mematuhi ketentuan dan peraturan perundang-undangan terkait and laws and regulations related to employment. The Bank is also
ketenagakerjaan. Bank juga berkomitmen dalam memberikan committed to providing employee rights, such as providing salary,
hak-hak karyawan, seperti pemberian gaji, cuti, dan remunerasi leave, and remuneration in accordance with industry standards and
sesuai dengan standar industri dan kinerja karyawan tersebut. employee performance. Furthermore, the Bank enforces reasonable
Selain itu, Bank memberlakukan waktu kerja yang wajar sesuai working hours in accordance with employment regulations.
dengan peraturan ketenagakerjaan. Bank juga memberikan The Bank also provides flexibility and facilitates activities
keleluasaan dan memfasilitasi kegiatan-kegiatan (seni, budaya, (art, culture, and sports) that promote solidarity among employees.
dan olahraga) yang mengedepankan kebersamaan untuk
membangun solidaritas antar karyawan.
Pada tahun 2024, tidak terdapat laporan atau pengaduan terkait In 2024, there were no reports or complaints related to child labor
pelanggaran pekerja anak atau praktik kerja paksa. Hal ini juga violations or forced labor practices. This is also reflected in the
tercermin dari data rentang usia karyawan yang menunjukkan tidak employee age range data which shows no employees under the
adanya karyawan di bawah usia 18 tahun. age of 18.
Roadmap Pengelolaan Human Capital
Human Capital Management Roadmap
2025 2026 2027
Full Cycle Performance Full Cycle Performance Management 2025-2027
Management 2025
Membentuk Performance
Oriented Culture
Forming Performance-Oriented Mengintegrasikan data setiap
Culture karyawan secara lengkap
Review Review
Integrating complete data for
each employee
Mencari, menyeleksi, dan menempatkan karyawan dengan profil dan kompetensi yang mampu
mengoptimalkan performance dan adaptif dengan proses transformasi digital
Recruiting, selecting, and placing employees having the right profile and competence to optimize
performance and be adaptive with the digital transformation process
Mengoptimalkan Dukungan HC
Berbasis Digital
Secara berkelanjutan melakukan proses rekrutmen, pelatihan,
Optimizing Digital-Based HC Support penempatan, dan evaluasi karyawan termasuk sales team sesuai
perkembangan bisnis dan transformasi digital
Placement and Monitoring
Continuously conducting recruitment, training, placement, and
evaluation processes of the employees including the sales team
according to the business development and digital
Mengoptimalkan Victoria
Mengembangkan Corporate University sebagai Learning Learning
Victoria Corporate University Review Review
pusat pengembangan HC and and
Competency Competency
Developing Victoria Optimizing Victoria Corporate Gap Assessment Assessment
Gap
Corporate University University as HC development Process Process
center
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Tanggung Jawab Sosial dan Lingkungan Hidup
Social and Environmental Responsibility
Perencanaan Kebutuhan Human Capital Planning for Human Capital Needs
Bank Victoria setiap tahunnya melakukan perencanaan kebutuhan Bank Victoria annually plans HC needs based on analysis of
HC berdasarkan analisis persyaratan, standar formasi, serta evaluasi requirements, formation standards, and evaluation of employee
kinerja dan potensi karyawan. Dalam rencana HC untuk tahun 2025, performance and potential. In HC plan for 2025, the Bank focuses
Bank fokus pada optimalisasi dan sinergi seluruh tenaga kerja yang on optimizing and synergizing the entire manpower. Recruitment
ada. Proses rekrutmen dilakukan untuk mengisi posisi yang kosong process is conducted to fill the vacant positions due to employee
akibat pengunduran diri, promosi, atau rotasi karyawan. resignation, promotion, or rotation.
Kesetaraan Kesempatan Bekerja [POJK F.18] Equal Employment Opportunity [POJK F.18]
Dalam proses rekrutmen HC, Bank menjamin kesetaraan kesempatan In HC recruitment process, the Bank guarantees equal
kerja berdasarkan prinsip hak asasi manusia, tanpa diskriminasi employment opportunities based on human rights principles, with
berdasarkan suku, gender, agama, atau status sosial. Bank juga no discrimination on ethnicity, gender, religion, or social status.
memberikan prioritas kepada tenaga kerja lokal sebagai calon The Bank also gives priority to local manpower as prospective
karyawan. Berdasarkan Kebijakan Human Capital Management employees. Based on the Human Capital Management Policy and
dan Standar Operasional Prosedur Human Capital Management, Standard Operating Procedures for Human Capital Management,
Bank merekrut karyawan tetap, kontrak, dan outsourcing. the Bank recruits permanent, contract, and outsourcing employees.
Proses seleksi meliputi beberapa tahapan, yaitu: The selection process includes several phases, namely:
1. Seleksi administrasi; 1. Administration selection;
2. Tes kemampuan dan kepribadian; 2. Capability and personality test;
3. Wawancara oleh Human Capital Management dan end user; 3. Interview by Human Capital Management and end user;
4. Tes psikologi dan tes simulasi pekerjaan; dan 4. Psychological test and job simulation test; and
5. Penilaian oleh pihak independen. 5. Assessment by independent party.
Kesetaraan Gender [S-01] Gender Equality [S-01]
Sebagai bagian dari komitmen perusahaan terhadap keberlanjutan As part of the company’s commitment to sustainability and social
dan tanggung jawab sosial, Bank Victoria mengelompokkan responsibility, Bank Victoria groups employees by gender at various
karyawan berdasarkan gender di berbagai level jabatan. job levels. This is conducted to ensure equal representation of
Hal ini dilakukan untuk memastikan representasi yang setara male and female employees at every career level, from entry-level
bagi karyawan pria dan wanita di setiap jenjang karier, mulai dari to executive-level. This step is also part of the effort to create
entry-level hingga executive-level. Langkah ini juga merupakan gender balance and support fair and inclusive opportunities for all
bagian dari upaya menciptakan keseimbangan gender dan employees. The following is the distribution of employees by gender
mendukung peluang yang adil serta inklusif bagi seluruh for the past 3 (three) years:
karyawan. Berikut distribusi karyawan berdasarkan gender selama
3 (tiga) tahun terakhir:
2024 2023 2022
Level Jabatan
Level of Position Pria Wanita Pria Wanita Pria Wanita
% % % % % %
Male Female Male Female Male Female
Entry-Level 294 39.41 266 35.66 281 39.41 251 35.20 279 40.55 238 34.59
Middle-Level 50 6.70 49 6.57 50 7.01 44 6.17 44 6.40 44 6.40
Senior-Level 33 4.42 42 5.63 33 4.63 42 5.89 32 4.65 39 5.67
Executive-Level 10 1.34 2 0.27 10 1.40 2 0.28 9 1.31 3 0.44
Total 387 51.88 359 48.12 374 52.45 399 47.55 364 52.91 324 47.09
Karyawan Berdasarkan Gender dan Kelompok Employees by Gender and Age Group [S-02]
Usia [S-02]
Selain kesetaraan gender, distribusi karyawan berdasarkan kelompok Apart from gender equality, employee distribution by age group at
usia di setiap level jabatan juga menjadi indikator penting untuk each job level is also an important indicator to describe diversity
menggambarkan keberagaman dan inklusivitas dalam organisasi. and inclusivity in the organization. The following is the number of
Berikut jumlah karyawan pria dan wanita di setiap jenjang karier, male and female employees at each career level, from entry-level to
mulai dari entry-level hingga executive-level, yang dikelompokkan executive-level, grouped by age range:
berdasarkan rentang usia:
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Rentang Usia 2024 Total
(Tahun) Entry-Level Middle-Level Senior-Level Executive-Level Karyawan
Age Range Pria Wanita Pria Wanita Pria Wanita Pria Wanita Total
(Years Old) Male Female Male Female Male Female Male Female Employees
18-25 21 55 - - - - - - 76
26-35 100 132 5 9 3 - - - 249
36-45 116 64 18 24 9 11 - 1 243
46-55 50 11 18 13 11 23 4 1 131
>55 7 4 9 3 10 8 6 - 47
Rentang Usia 2023 Total
(Tahun) Entry-Level Middle-Level Senior-Level Executive-Level Karyawan
Age Range Pria Wanita Pria Wanita Pria Wanita Pria Wanita Total
(Years Old) Male Female Male Female Male Female Male Female Employees
18-25 26 50 - - - - - - 76
26-35 90 125 5 8 3 1 - - 232
36-45 117 61 21 23 6 11 - 1 240
46-55 44 13 18 11 14 20 4 1 125
>55 4 2 6 2 10 10 6 - 40
Rentang Usia 2022 Total
(Tahun) Entry-Level Middle-Level Senior-Level Executive-Level Karyawan
Age Range Pria Wanita Pria Wanita Pria Wanita Pria Wanita Total
(Years Old) Male Female Male Female Male Female Male Female Employees
18-25 22 34 - - - - - - 56
26-35 95 138 6 6 3 - - - 248
36-45 115 49 14 24 5 11 - 3 221
46-55 45 16 21 11 12 19 3 - 127
>55 2 1 3 3 12 9 6 - 36
Kebijakan Pelecehan Seksual dan/atau Sexual Harassment and/or Non-Discrimination
Non-Diskriminasi [S-08] Policies [S-08]
Bank Victoria memastikan tempat kerja yang aman, bermartabat, dan Bank Victoria ensures a safe, dignified workplace free from sexual
bebas dari pelecehan seksual maupun diskriminasi dalam bentuk harassment or discrimination in any form. This policy aims to protect
apa pun. Kebijakan ini bertujuan melindungi setiap karyawan dari every employee from actions that are physically, emotionally, or
tindakan yang merugikan secara fisik, emosional, atau profesional, professionally detrimental, including verbal and non-verbal sexual
termasuk pelecehan seksual, baik verbal maupun non-verbal, serta harassment, as well as discrimination on gender, race, religion, or
diskriminasi berbasis gender, ras, agama, atau kondisi lainnya. other conditions.
Kebijakan ini berpedoman pada Surat Keputusan Direktur This policy is guided by the Directorate General of Industrial
Jenderal Pembinaan Hubungan Industrial dan Jaminan Sosial Relations Development and Labor Social Security Decree
Tenaga Kerja No. Kep.4/HI.00.00/00.0000.230404006/B/VII/2023 No. Kep.4/HI.00.00/00.0000.230404006/B/VII/2023 dated
tanggal 18 Juli 2023 tentang Pengesahan Peraturan Perusahaan 18 July 2023 on Approval of Company Regulations of
PT Bank Victoria International Tbk serta Surat Keputusan Direksi PT Bank Victoria International Tbk and Board of Directors’ Decision
No. 024A/SK-DIR/02/23 tentang Pedoman Kode Etik Perilaku Letter No. 024A/SK-DIR/02/23 on Employee’s Code of Conduct
Karyawan PT Bank Victoria International Tbk. Kebijakan tersebut of PT Bank Victoria International Tbk. The policy is strengthened
diperkuat melalui sosialisasi internal, penyediaan mekanisme through internal dissemination, provision of easily accessible
pelaporan yang mudah diakses, dan proses penanganan yang adil reporting mechanisms, and fair and transparent handling processes.
serta transparan.
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Tanggung Jawab Sosial dan Lingkungan Hidup
Social and Environmental Responsibility
Pengembangan Kompetensi Human Capital Human Capital Competency Development
[POJK F.22] [S-05] [POJK F.22] [S-05]
Sebagai sarana pembelajaran dan pengembangan kompetensi As a means of learning and developing HC competencies, the
HC, Bank mengembangkan Victoria Corporate University (VCU). Bank has developed Victoria Corporate University (VCU). VCU has
VCU memiliki misi sebagai berikut: missions as follows:
1. Mengembangkan program pendidikan dan pelatihan berbasis 1. Developing competency-based education and training
kompetensi; programs;
2. Mengembangkan organisasi dan karyawan pembelajar yang 2. Developing efficient learning organization and employee; and
efisien; dan
3. Membentuk assessment center serta talent pool yang mampu 3. Establishing assessment center and talent pool having the
mengidentifikasi dan mengelola pengembangan karier ability to identify and manage employee’s career development
karyawan guna menciptakan leader yang kuat. in order to generate strong leaders.
Selain melalui VCU, Bank Victoria juga melaksanakan pengembangan In addition to VCU, Bank Victoria also carries out HC competency
kompetensi HC melalui serangkaian program pendidikan dan pelatihan development through a series of education and training programs
yang dirancang untuk memenuhi kebutuhan pengembangan designed to meet individual development needs. The education
individu. Program pendidikan dan pelatihan tersebut bertujuan and training programs aim to support employee performance
mendukung peningkatan kinerja serta kemajuan karier karyawan. improvement and career advancement. The education and training
Penyusunan program pendidikan dan pelatihan didasarkan pada programs are prepared based on a training need analysis conducted
analisis kebutuhan pelatihan (training need analysis) yang dilakukan annually to ensure program relevance and effectiveness.
setiap tahun untuk memastikan relevansi dan efektivitas program.
Berikut informasi mengenai pelaksanaan pengembangan kompetensi The following is information regarding the competency development
yang telah dilakukan pada tahun 2024: implemented in 2024:
Jumlah Pelatihan
Total Trainings Komposisi
Jenis Pelatihan Total Pelatihan
Dewan Komisaris Direksi Composition
Type of Training Manajer Total Trainings
Board of Board of Officer Non-Staff (%)
Manager
Commissioners Directors
Training/Inhouse 11 22 2,710 3,310 250 6,303 68.27
Refreshment Training 5 10 155 269 5 444 4.81
Training/Public 2 8 747 979 19 1,757 19.01
Seminar/Public 2 12 15 16 - 45 0.49
Certification 3 4 162 101 - 270 2.92
Certification Training - 4 193 218 - 415 4.49
Educational Scholarship - - 1 - - 1 0.01
Total 23 60 3,983 4,893 274 9,233 100.00
Komposisi (%)
0.25 0.65 43.14 52.99 2.97 100.00
Composition (%)
Biaya Pengembangan Kompetensi (Rp)
5,875,651,659
Competency Development Cost (Rp)
Rata-Rata Jam Pelatihan per Karyawan (Jam/Karyawan)
5
Average Training Hours per Employee (Hours/Employee)
Total Karyawan yang Ikut Serta dalam Program Pelatihan
607
Total Employees Participating in Training Programs
Total Karyawan
746
Total Employees
Persentase Total Karyawan yang Ikut Serta dalam Program Pelatihan (%)
81.37
Percentage of Total Employees Participating in Training Programs (%)
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Untuk mendukung penyebaran pengetahuan secara menyeluruh To support the comprehensive and systematic knowledge
dan sistematis, Bank Victoria menerapkan Knowledge Management dissemination, Bank Victoria implements Knowledge Management,
yang dikelola melalui VCU. Inisiatif ini bertujuan mengumpulkan administered by VCU. This initiative aims to collect employee
pengetahuan, keterampilan, serta pengalaman kerja karyawan, knowledge, skills, and work experience, which are openly accessible
yang kemudian diakses secara terbuka oleh seluruh tim. by the entire team. Knowledge Management is implemented
Knowledge Management dilaksanakan tidak hanya melalui pertemuan not only through face-to-face meetings such as classroom
tatap muka seperti kelas pelatihan, sesi berbagi, dan sosialisasi, training, sharing sessions, and dissemination, but also through
tetapi juga melalui sarana digital seperti e-learning, intranet V-Smart, digital media such as e-learning, V-Smart intranet, and Vic-News.
dan Vic-News. Selain itu, VCU juga melakukan evaluasi terhadap Furthermore, VCU also evaluates the effectiveness of HC training
efektivitas program pelatihan dan pengembangan HC menggunakan and development programs by using Post-Training Evaluation
Form Evaluasi Pasca Pelatihan. Hasil evaluasi akan menjadi dasar Form. The evaluation result will serve as the basis for determining
untuk menentukan kebutuhan pelatihan lanjutan serta mengarahkan the requirement for further training and directing enhancement to
peningkatan program pengembangan karyawan. employee development programs.
Penilaian Kinerja Human Capital Human Capital Performance Assessment
Bank Victoria mengatur penilaian kinerja HC melalui Kebijakan Bank Victoria regulates HC performance assessment through the
Human Capital Management yang ditetapkan dalam Surat Human Capital Management Policy stipulated in the Board of
Keputusan Direksi No. 004/SK-DIR/01/24 dan Standar Operasional Directors’ Decision Letter No. 004/SK-DIR/01/24 and the Standard
Prosedur Human Capital Management, yang dikeluarkan pada Operating Procedures for Human Capital Management, issued on
8 Januari 2024 melalui Surat Keputusan No. 005/SK-DIR/01/24. 8 January 2024 through Decision Letter No. 005/SK-DIR/01/24.
Penilaian kinerja HC dilakukan berdasarkan pencapaian target kerja, HC performance assessment is carried out based on the achievement
pengembangan atau peningkatan kompetensi, serta penerapan of work targets, development or improvement of competencies, and
nilai-nilai inti Bank Victoria. Proses penilaian ini mengikuti indikator implementation of Bank Victoria’s core values. This assessment
Key Performance Indicators (KPI), yang diintegrasikan dengan process follows the Key Performance Indicators (KPI), integrated with
sistem Balanced Scorecard untuk menilai kinerja karyawan serta the Balanced Scorecard system to assess employee performance and
efektivitas proses bisnis internal. the effectiveness of internal business processes.
Penilaian dilakukan 2 (dua) kali setahun untuk mengidentifikasi Assessment is carried out twice in a year to identify strengths and
kekuatan dan area yang perlu diperbaiki dalam kinerja HC, areas that need enhancement in HC performance, as well as to
serta untuk mengevaluasi efektivitas sistem yang diterapkan evaluate the effectiveness of system implemented at Bank Victoria.
di Bank Victoria. Hasil penilaian menjadi acuan dalam The assessment results are used as a reference in determining
menentukan peningkatan remunerasi, pemberian bonus tahunan, remuneration increase, annual bonus, and financial and non-financial
serta penghargaan finansial dan non-finansial, yang disesuaikan rewards, which are adjusted to the Bank’s financial condition
dengan kondisi keuangan Bank setiap tahunnya. every year.
Pengembangan Karier Human Capital Human Capital Career Development
Pengembangan karier HC di Bank Victoria didasarkan pada prinsip HC career development at Bank Victoria is based on the
kesetaraan kesempatan (fair opportunity) dan panduan manajemen principle of fair opportunity and prudent career management
karier yang bijaksana melalui Prudential Career Management guidelines through the Prudential Career Management Guideline.
Guideline. Bank memastikan setiap karyawan memiliki akses yang The Bank ensures that every employee has fair access to career
adil terhadap peluang pengembangan karier, baik melalui promosi development opportunities, either through job promotion, rotation,
jabatan, rotasi, maupun penugasan lintas fungsi. or cross-functional assignments.
Sistem pengembangan karier juga dirancang untuk mendorong The career development system is also designed to encourage
peningkatan kompetensi dan kinerja HC secara berkelanjutan. continuous enhancement of HC competencies and performance.
Melalui evaluasi berkala dan program pengembangan, Through periodic evaluation and development programs,
HC yang menunjukkan potensi tinggi dan hasil kerja yang unggul HCs who demonstrate high potential and excellent work results will
akan diprioritaskan untuk menempati posisi-posisi strategis. be prioritized to occupy strategic positions. The Bank also provides
Bank juga memberikan dukungan berupa pelatihan dan bimbingan supports in form of training and guidance to help HCs achieve their
untuk membantu HC mencapai tujuan kariernya, sambil memastikan career goals, while ensuring that their development is aligned with
bahwa pengembangan tersebut selaras dengan kebutuhan the needs of the organization and business objectives.
organisasi dan tujuan bisnis.
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Tanggung Jawab Sosial dan Lingkungan Hidup
Social and Environmental Responsibility
Informasi jumlah HC yang menerima pengembangan dalam 3 (tiga) Information regarding the number of HCs who received development
tahun terakhir ditunjukkan sebagai berikut: in the past 3 (three) years is shown as follows:
Jumlah Karyawan
Total Employees
Pengembangan Karier
2024 2023 2022
Career Development
Pria Wanita Pria Wanita Pria Wanita
Total Total Total
Male Female Male Female Male Female
Promosi ke Jabatan yang Lebih Tinggi
6 9 15 8 9 17 13 8 21
Promotion to a Higher Position
Mutasi pada Jenjang yang Selevel
19 28 47 14 34 48 19 21 40
Transfer at the Same Level
Human Capital Engagement Human Capital Engagement
Bank Victoria menerapkan Human Capital Engagement sebagai Bank Victoria applies Human Capital Engagement as an indicator
indikator untuk mengukur sejauh mana keterlibatan emosional to measure the extent of HC’s emotional involvement in the Bank.
HC terhadap Bank. Untuk meningkatkan keterikatan HC, To increase HC engagement, the Bank provides various
Bank menyediakan berbagai peluang bagi HC, seperti program opportunities for HC, such as education programs, training, and
pendidikan, pelatihan, serta pengembangan karier melalui career development through promotion, job rotation, and job
promosi, rotasi pekerjaan, dan perluasan tugas. Selain itu, enlargement. Furthermore, performance assessments are carried
penilaian kinerja dilakukan menggunakan sistem Balanced Scorecard out by using the Balanced Scorecard system, which is applied at all
yang diterapkan di seluruh tingkatan, mulai dari perusahaan levels, from the company to individuals. This process is monitored
hingga individu. Proses ini dipantau secara berkelanjutan melalui continuously through coaching, counseling, and controlling
mekanisme coaching, counseling, dan controlling. mechanisms.
Keterlibatan HC juga diperkuat melalui kebijakan remunerasi yang HC involvement is also strengthened through a fair and transparent
adil dan transparan, di mana penggajian disesuaikan dengan remuneration policy, in which salaries are adjusted to the results
hasil penilaian kinerja, pemeringkatan, dan jenjang jabatan HC. of HC performance assessment, ranking, and position level.
Langkah-langkah tersebut dirancang untuk mendorong kinerja Such steps are designed to encourage optimal performance and
optimal dan meningkatkan rasa memiliki terhadap Bank. increase a sense of belonging to the Bank.
Industrial Relations Industrial Relations
Bank Victoria berkomitmen untuk menciptakan lingkungan kerja Bank Victoria is committed to creating an open, positive, and
yang terbuka, positif, dan progresif guna membangun hubungan progressive work environment to establish harmonious and
industrial yang harmonis dan dinamis. Komitmen ini tercermin dynamic industrial relations. This commitment is reflected in the
dalam Peraturan Perusahaan yang telah disahkan oleh Kementerian Company Regulation, which has been ratified by the Ministry of
Tenaga Kerja dan Transmigrasi melalui Surat Keputusan Direktur Manpower and Transmigration through the Directorate General
Jenderal Pembinaan Hubungan Industrial dan Jaminan Sosial of Industrial Relations Development and Labor Social Security
Tenaga Kerja No. Kep.4/HI.00.00/00.0000.230404006/B/VII/2023 Decree No. Kep.4/HI.00.00/00.0000.230404006/B/VII/2023 dated
tertanggal 18 Juli 2023. Peraturan tersebut terus diperbarui secara 18 July 2023. The regulation is updated periodically to comply with
berkala agar sesuai dengan perubahan regulasi ketenagakerjaan the amendments in employment regulations and the development
dan perkembangan industri perbankan di Indonesia. of banking industry in Indonesia. With this update, the Bank
Dengan pembaruan ini, Bank memastikan kepatuhan terhadap ensures its compliance with the applicable provisions and creates
ketentuan yang berlaku serta menciptakan suasana kerja yang a conducive working atmosphere for all employees.
kondusif bagi seluruh karyawan.
Internalisasi Budaya Perusahaan Internalization of Human Capital
Human Capital Corporate Culture
Budaya Perusahaan Bank Victoria dirancang untuk mendorong Corporate Culture at Bank Victoria is designed to encourage
transformasi menuju lingkungan kerja yang lebih profesional, transformation towards a more professional work environment,
dengan menekankan tahap-tahap seperti awareness, engagement, emphasizing phases such as awareness, engagement, acceptance,
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acceptance, hingga ownership. Untuk mendukung hal ini, and ownership. To support this matter, the Bank implements
Bank melaksanakan berbagai program kerja yang berfokus pada various work programs that focus on strengthening the culture of
penguatan budaya intrapreneurship, peningkatan kinerja, inovasi, intrapreneurship, improving performance, innovation, and efficiency.
dan efisiensi.
Proses transformasi Budaya Perusahaan diwujudkan melalui The Corporate Culture transformation process is realized through
sosialisasi nilai budaya perusahaan, internalisasi budaya the dissemination of corporate culture values, internalization of
perusahaan, penyesuaian sistem organisasi dengan HC, corporate culture, adjustment of organizational systems with HC,
serta program recognition bagi HC. Program-program ini diterapkan and recognition programs for HC. These programs are implemented
secara konsisten dan berkesinambungan sebagai bagian integral consistently and continuously as an integral part of the Bank’s
dari kegiatan operasional Bank untuk menciptakan lingkungan kerja operational activities to create a productive and dynamic work
yang produktif dan dinamis. environment.
Jumlah Human Capital [POJK C.3]
Total Human Capital
2024 2023 2022
Uraian
Description Pria Wanita Pria Wanita Pria Wanita
Total % Total % Total %
Male Female Male Female Male Female
Level Organisasi
Organizational Level
Direksi
4 1 5 0.67 4 1 5 0.70 4 1 5 0.73
Boards of Directors
Manajemen
89 92 181 24.26 87 84 171 23.98 78 83 161 23.40
Management
Staf
294 266 560 75.07 283 254 537 75.32 282 240 522 75.87
Staff
Total 387 359 746 100.00 374 339 713 100.00 364 324 688 100.00
Tingkat Pendidikan
Educational Level
Doktor
2 - 2 0.27 2 - 2 0.28 - - - -
Doctorate
Pascasarjana
26 10 36 4.83 24 12 36 5.05 23 13 36 5.23
Post-Graduates
Sarjana
195 241 436 58.45 185 223 408 57.22 176 202 378 54.94
Graduates
Diploma 29 76 105 14.08 28 72 100 14.03 29 78 107 15.55
<SMA
135 32 167 22.39 135 32 167 23.42 136 31 167 24.27
<High School
Total 387 359 746 100.00 374 339 713 100.00 364 324 688 100.00
Status Karyawan
Employment Status
Karyawan Tetap
212 226 438 58.71 199 211 410 57.50 193 206 399 57.99
Permanent Employee
Karyawan Tidak Tetap
Non-Permanent 41 131 172 23.06 42 127 169 23.70 36 117 153 22.24
Employee
Outsourcing 134 2 136 18.23 133 1 134 18.80 135 1 136 19.77
Total 387 359 746 100.00 374 339 713 100.00 364 324 688 100.00
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Tanggung Jawab Sosial dan Lingkungan Hidup
Social and Environmental Responsibility
2024 2023 2022
Uraian
Description Pria Wanita Pria Wanita Pria Wanita
Total % Total % Total %
Male Female Male Female Male Female
Usia
Age
>60 Tahun
11 7 18 2.41 7 6 13 1.82 10 5 15 2.18
>60 Years Old
51–60 Tahun
43 37 80 10.72 43 34 77 10.80 38 32 70 10.17
51–60 Years Old
41–50 Tahun
112 49 161 21.58 108 47 155 21.74 105 43 148 21.51
41–50 Years Old
31–40 Tahun
125 124 249 33.38 129 117 246 34.50 136 127 263 38.23
31–40 Years Old
21–30 Tahun
95 139 234 31.37 86 132 218 30.58 74 112 186 27.03
21–30 Years Old
18-20 Tahun
1 3 4 0.54 1 3 4 0.56 1 5 6 0.87
18-20 Years Old
Total 387 359 746 100.00 374 339 713 100.00 364 324 688 100.00
Masa Kerja
Years of Services
>20 Tahun
15 14 29 3.89 11 11 22 3.09 9 13 22 3.20
>20 Years
16-20 Tahun
30 32 62 8.31 23 14 37 5.19 32 15 47 6.83
16-20 Years
11-15 Tahun
58 55 113 15.15 54 47 101 14.17 40 57 97 14.10
11-15 Years
6-10 Tahun
84 37 121 16.22 86 67 153 21.46 99 93 192 27.91
6-10 Years
0-5 Tahun
200 221 421 56.43 200 200 400 56.10 184 146 330 47.97
0-5 Years
Total 387 359 746 100.00 374 339 713 100.00 364 324 688 100.00
Remunerasi Karyawan [POJK F.20] Employee Remuneration [POJK F.20]
Bank memastikan bahwa setiap karyawan dapat menerima haknya The Bank ensures that all employees can receive their rights as
sebagaimana yang ditetapkan dalam peraturan perundang-undangan stipulated in the applicable laws and regulations, including those
yang berlaku, termasuk terkait pemberian upah minimum. Dalam hal related to the provision of minimum wage. In this case, the Bank
ini, Bank mengacu pada nominal Upah Minimum Regional (UMR) refers to the Regional Minimum Wage (UMR) nominal that is
yang diperbaharui setiap tahunnya. Berikut merupakan detail updated every year. The following is a detailed comparison of the
perbandingan nominal UMR yang berlaku di tahun 2024 dengan nominal of UMR applicable in 2024 with the nominal of wage of the
nominal upah karyawan tetap Bank terendah: lowest permanent Bank employees:
Rasio Upah Karyawan Tetap Terendah
Upah Karyawan Tetap Terendah
Upah Minimum Regional Dibandingkan UMR
Wilayah Lowest Permanent Regional Minimum Wage Ratio of the Lowest Permanent
Region Employee’s Wage (Rp) Employee’s Wage to UMR
(Rp)
(%)
Bandung 4,209,500 4,209,309 100.00
Bogor 4,814,000 4,813,988 100.00
Denpasar 3,097,000 3,096,823 100.01
DKI Jakarta 5,067,500 5,067,381 100.00
Manado 3,591,000 3,590,858 100.00
Makassar 3,643,500 3,643,321 100.00
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Rasio Upah Karyawan Tetap Terendah
Upah Karyawan Tetap Terendah
Upah Minimum Regional Dibandingkan UMR
Wilayah Lowest Permanent Regional Minimum Wage Ratio of the Lowest Permanent
Region Employee’s Wage (Rp) Employee’s Wage to UMR
(Rp)
(%)
Medan 3,769,500 3,769,082 100.01
Semarang 3,244,000 3,243,969 100.00
Surabaya 4,725,500 4,725,479 100.00
Surakarta 2,269,500 2,269,070 100.02
Hak Cuti Leave Rights
Bank Victoria memberikan hak cuti tahunan kepada karyawan Bank Victoria provides annual leave rights to employees in line
sesuai dengan peraturan ketenagakerjaan yang berlaku, sebagai with the applicable employment regulations, as part of an effort to
bagian dari upaya menjaga keseimbangan antara kehidupan kerja maintain a balance between work and personal life. In addition to
dan pribadi. Selain cuti tahunan, karyawan juga berhak atas cuti annual leave, employees are also entitled to special leave, such as
khusus, seperti cuti melahirkan dan cuti sakit. Dengan kebijakan maternity leave and sick leave. With this policy, the Bank ensures
ini, Bank memastikan kesejahteraan dan kebutuhan karyawan tetap that the employees’ welfare and needs remain a priority.
menjadi prioritas.
Informasi jumlah karyawan yang menerima hak cuti di tahun 2024 Information on the number of employees who received leave rights
ditunjukkan sebagai berikut: in 2024 is shown as follows:
Uraian Pria Wanita Jumlah
Description Male Female Total
Karyawan yang berhak mendapat cuti
336 309 645
Employees eligible to take leave
Karyawan yang mengambil hak cuti
323 315 638
Employees taking leave
Karyawan yang kembali bekerja pada periode pelaporan setelah cuti berakhir
336 309 645
Employees returning to work in the reporting period after leave ends
Karyawan yang kembali bekerja setelah cuti berakhir, yang masih dipekerjakan
12 (dua belas) bulan setelah kembali bekerja
336 309 645
Employees returning to work after leave ends, still employed 12 (twelve) months
after returning to work
Program Pensiun Pension Program
Sebagai wujud komitmen dalam memenuhi hak-hak tenaga kerja, As the manifestation of commitment to fulfilling labor rights, the
Bank menjalankan program pensiun bagi karyawan yang telah Bank implements pension program for employees who have entered
mencapai usia 55 (lima puluh lima) tahun. Program pensiun Bank the age of 55 (fifthy). The Bank’s pension program is stipulated in
diatur sesuai dengan Kebijakan Human Capital Management accordance with the Human Capital Management Policy and
serta Standar Operasional Prosedur Prosedur Human Capital Standard Operating Procedures for Human Capital Management,
Management, memastikan proses yang transparan dan terstruktur. ensuring a transparent and structured process. Furthermore,
Selain itu, Bank memberikan kesempatan bagi para pensiunan the Bank provides opportunities for retirees to return to work as
untuk kembali bekerja sebagai karyawan kontrak, jika diperlukan, contract employees, if necessary, so that the retirees can continue
sehingga pensiunan tetap dapat berkontribusi pada Bank. to give contribution to the Bank.
Tingkat Pergantian Karyawan [S-03] Employee Turnover Rate [S-03]
Tingkat pergantian karyawan menjadi perhatian penting Employee turnover rate is an important concern to maintain the
untuk menjaga keberlanjutan tenaga kerja yang berkualitas. sustainability of a quality manpower. This turnover rate covers the
Tingkat pergantian ini mencakup jumlah karyawan yang resign number of employees who resign or are dismissed, as well as the
atau diberhentikan, serta jumlah karyawan baru yang direkrut number of new employees recruited to replace vacant positions.
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Tanggung Jawab Sosial dan Lingkungan Hidup
Social and Environmental Responsibility
untuk menggantikan posisi yang kosong. Berikut informasi mengenai The following is information regarding Bank Victoria’s employee
tingkat pergantian karyawan Bank Victoria dalam waktu 3 (tiga) tahun turnover rate in the past 3 (three) years:
terakhir:
Uraian 2024 2023 2022
Description Total % Total % Total %
Karyawan Resign/Pemutusan Hubungan Kerja
119 15.95 157 22.02 165 23.98
Employee Resigning/Termination of Employment
Karyawan Baru/Pengganti
152 20.38 182 25.53 159 23.11
New/Substitute Employee
Tenaga Kerja Sementara [S-04] Temporary Workers [S-04]
Tenaga kerja sementara merupakan tenaga kerja yang tidak memiliki Temporary workers are workers who do not have a direct working
hubungan kerja langsung dengan Bank Victoria tetapi tetap relationship with Bank Victoria but still give contribution through
berkontribusi melalui kontrak dengan pihak ketiga, seperti kontraktor contracts with third parties, such as contractors or consultants.
atau konsultan. Tenaga kerja dalam kategori ini memainkan peran Workers in this category play an important role in supporting the
penting dalam mendukung operasional perusahaan, baik melalui company’s operations, both through technical and administrative
tugas teknis maupun administrasi. Informasi jumlah tenaga kerja duties. Information on the number of temporary workers and the
sementara dan persentase terhadap total tenaga kerja dalam percentage of total workforce in the past 3 (three) years is presented
3 (tiga) tahun terakhir disajikan dalam tabel berikut: in the following table:
Uraian 2024 2023 2022 Description
Total Pegawai Perusahaan yang Dipegang Total Company Employees Held
- - -
oleh Kontraktor dan/atau Konsultan by Contractors and/or Consultants
Total Karyawan - - - Total Employees
Persentase Total Pegawai Sementara (%) - - - Percentage of Total Temporary Employees (%)
Strategi Pengelolaan Human Capital Tahun 2025 Human Capital Management Strategy in 2025
Setiap tahun, Bank merancang rencana kerja pengelolaan HC untuk Every year, the Bank designs HC management work plans to
memastikan implementasi yang berkelanjutan dan sesuai dengan ensure a sustainable implementation that is in accordance with
tujuan strategis Bank. Pada tahun 2025, Bank telah menetapkan the Bank’s strategic objectives. For 2025, the Bank has established
berbagai inisiatif dan program pengembangan HC yang akan various HC development initiatives and programs to be
dijalankan, yaitu: implemented, namely:
1. Penyempurnaan dan pengembangan penyusunan Key 1. Refining and developing Key Performance Indicator (KPI)
Performance Indicator (KPI) Balance Score Card melalui Human Balance Score Card preparation through Human Resource
Resource Information System (HRIS) guna meningkatkan Information System (HRIS) to increase transparency and
transparansi dan efektivitas penilaian kinerja; effectiveness of performance assessment;
2. Pengkinian Peraturan Perusahaan Online melalui Pppkb. 2. Updating Company Regulations Online through Pppkb.
Kemnaker.Go.Id untuk memastikan kepatuhan terhadap Kemnaker.Go.Id to ensure compliance with the applicable
regulasi ketenagakerjaan yang berlaku; employment regulations;
3. Pemenuhan kewajiban sertifikasi kompetensi sesuai ketentuan 3. Fulfilling competency certification obligations in accordance
yang berlaku, mencakup: with the applicable provisions, including:
a. Sertifikasi Manajemen Risiko; a. Risk Management Certification;
b. Sertifikasi Sistem Pembayaran dan Pengelolaan Uang b. Payment System Certification and Rupiah Money
Rupiah (SPPUR); Management (SPPUR);
c. Sertifikasi Treasury Dealer; c. Dealer Treasury Certification;
d. Sertifikasi Audit; dan d. Audit Certification; and
e. Sertifikasi Kepatuhan. e. Compliance Certification.
4. Penyelenggaraan program pelatihan penyegaran terkait 4. Organizing refreshment training programs related to
sertifikasi kompetensi guna menjaga standar keahlian karyawan; competency certification to maintain employees’ skill standards;
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5. Pelaksanaan program pelatihan, baik secara inhouse training 5. Holding training programs, both in-house training, organized
yang diselenggarakan secara internal bekerja sama dengan internally in cooperation with training vendors, and public-
vendor training, maupun training publik yang sesuai dengan related training in accordance with training work plans and
rencana kerja pelatihan dan kebutuhan divisi kerja; work division needs;
6. Program pelatihan induksi bagi karyawan yang baru 6. Induction training programs for new (onboarding) employees
(onboarding) guna mempercepat adaptasi dan pemahaman to accelerate adaptation and understanding of the Bank’s work
terhadap budaya kerja serta sistem operasional Bank; culture and operational systems;
7. Pelatihan sosialisasi terkait pengkinian kebijakan, sistem 7. Dissemination training related to update of the Bank’s policies,
prosedur, dan produk Bank, untuk memastikan pemahaman system procedures, and products, to ensure a harmonious
yang selaras di seluruh unit kerja; understanding across all work units;
8. Pelaksanaan program pelatihan wajib (mandatory) bagi 8. Holding mandatory training programs for all employees,
seluruh karyawan, termasuk pelatihan anti-fraud, pelatihan including anti-fraud training, anti-money laundering and
anti-pencucian uang dan pendanaan terorisme, pelatihan counter-terrorist financing training, personal data protection
perlindungan data pribadi, dan pelatihan perlindungan training, and consumer protection training;
konsumen;
9. Pemenuhan kebutuhan karyawan serta pelaksanaan program 9. Fulfilling employee needs and implementing rotation and
rotasi dan mutasi guna mendukung penyegaran dan transfer programs to support employee career refreshment and
pengembangan karier karyawan; dan development; and
10. Penyampaian pelaporan ketenagakerjaan kepada berbagai 10. Submitting employment reports to related parties, including
pihak terkait, termasuk seperti Otoritas Jasa Keuangan, Bank Financial Services Authority, Bank Indonesia, Ministry of
Indonesia, Kementerian Ketenagakerjaan, Dinas Tenaga Kerja Manpower, Regional Manpower and Transmigration Service,
dan Transmigrasi Wilayah, Kantor Pajak, dan Lembaga terkait Tax Office, and other relevant Institutions.
lainnya.
Kesehatan dan Keselamatan Kerja serta Occupational Health and Safety and Safe
Lingkungan Kerja yang Aman dan Layak and Decent Work Environment [POJK F.21] [S-11]
[POJK F.21] [S-11]
Bank berkomitmen menciptakan lingkungan kerja yang aman, The Bank is committed to creating a safe, comfortable, and
nyaman, dan kondusif bagi seluruh karyawan, guna memenuhi conducive work environment for all employees, in order to fulfill
hak karyawan sekaligus menjaga tingkat produktivitas. employee rights while maintaining their productivity levels. Such
Komitmen tersebut diwujudkan dengan desain tata ruang kerja commitment is realized through a carefully thought-out workspace
yang dirancang cermat, dilengkapi dengan pencahayaan yang design, equipped with optimal lighting, good ventilation, and
optimal, ventilasi yang baik, dan pengaturan suhu ruangan yang comfortable room temperature setting through the use of air
nyaman melalui penggunaan pendingin udara. Selain itu, Bank juga conditioning. Furthermore, the Bank also ensures the availability of
memastikan tersedianya sarana keselamatan kerja yang memadai adequate work safety facilities to reduce the risk of occupational
untuk mengurangi risiko kecelakaan di tempat kerja. accidents.
Untuk menjaga keamanan dan keselamatan, Bank rutin melakukan To maintain security and safety, the Bank regularly maintains
pemeliharaan fasilitas penting seperti lift, mengingat intensitas important facilities such as lift, considering its high intensity of
penggunaannya yang tinggi. Monitor komputer dengan fitur anti- use. Computer monitors with anti-radiation features are also used
radiasi juga digunakan untuk melindungi kesehatan mata karyawan. to protect employee’s healthy vision. On each floor in the building,
Di setiap lantai gedung, Bank telah memasang rencana evakuasi the Bank has installed emergency evacuation plans that are easily
darurat yang mudah diakses oleh karyawan, sebagai bagian dari accessible to employees, as part of preparedness for unexpected
kesiapsiagaan menghadapi situasi tak terduga seperti kebakaran. situations such as fire.
Selain aspek keselamatan fisik, Bank juga menunjukkan perhatian Apart from the physical safety aspect, the Bank also shows
terhadap kesejahteraan karyawan melalui program Jaminan concern for employee welfare through Workers’ Social Security
Sosial Tenaga Kerja (Jamsostek), yang meliputi Jaminan Hari Tua (Jamsostek) program, which includes Old Age Savings Program
(JHT), Jaminan Kecelakaan Kerja (JKK), Jaminan Kematian (JKM), (JHT), Occupational Accident Program (JKK), Death Benefit
dan Jaminan Pensiun (JP). Untuk memberikan perlindungan Program (JKM), and Pension Program (JP). To provide broader
kesehatan yang lebih luas, Bank menyediakan asuransi kesehatan health protection, the Bank provides health insurance that covers
yang mencakup keluarga karyawan, termasuk suami/istri dan employee families, including husband/wife and children. This
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Tanggung Jawab Sosial dan Lingkungan Hidup
Social and Environmental Responsibility
anak-anak. Cakupan asuransi ini meliputi layanan rawat inap, insurance coverage includes inpatient, outpatient, dental care,
rawat jalan, perawatan gigi, serta fasilitas melahirkan bagi pasangan and maternity facilities for employee’s spouse. Through such steps,
karyawan. Melalui langkah-langkah tersebut, Bank berupaya untuk the Bank strives to ensure employees’ welfare and safety in every
memastikan kesejahteraan dan keselamatan karyawan di setiap aspect of their work life.
aspek kehidupan kerja.
Penanganan Keadaan Darurat Keselamatan Kerja Occupational Safety Emergency Handling
Bank Victoria memulai penanganan keadaan darurat dengan Bank Victoria begins emergency handling by first identifying
terlebih dahulu mengidentifikasi berbagai potensi risiko kecelakaan various potential accident risks in operational areas. These risks
di area operasional. Risiko tersebut meliputi insiden kebakaran include fire or explosion incidents, natural disasters such as flood,
atau ledakan, bencana alam seperti banjir, gempa bumi, tsunami, earthquake, tsunami, and volcanic eruption, as well as other security
dan letusan gunung berapi, serta ancaman keamanan lainnya threats such as sabotage, terrorism, bomb threat, and riots. Based
seperti sabotase, terorisme, ancaman bom, dan kerusuhan. on the identification results, the Bank formulates comprehensive
Berdasarkan hasil identifikasi, Bank merumuskan prosedur darurat emergency procedures to ensure preparedness and rapid response
yang komprehensif untuk memastikan kesiapsiagaan dan respons in dealing with unexpected situations in all operational areas.
cepat dalam menghadapi situasi tak terduga di seluruh wilayah
operasional.
Tingkat Kecelakaan Kerja [S-06] Occupational Accident Rate [S-06]
Dalam 3 (tiga) tahun terakhir, Bank berhasil mempertahankan In the past 3 (three) years, the Bank has successfully maintained a
catatan tanpa adanya insiden kecelakaan kerja. Pencapaian ini record of zero occupational accident incidents. This achievement
mencerminkan komitmen Bank untuk menciptakan lingkungan kerja reflects the Bank’s commitment to creating a safe and comfortable
yang aman dan nyaman bagi seluruh karyawan, dengan menerapkan work environment for all employees, by implementing safety
standar keselamatan dan terus meningkatkan prosedur keamanan standards and continuously improving security procedures in every
di setiap aspek operasional. operational aspect.
Sarana Pengaduan Terkait Pengelolaan HC Complaint Channel Related to HC Management
[S-07] [S-07]
Bank Victoria berkomitmen untuk menciptakan lingkungan kerja Bank Victoria is committed to creating a work environment that is
yang aman, inklusif, dan menghormati HAM. Sebagai bagian dari safe, inclusive, and respectful of human rights. As part of its good
sistem tata kelola yang baik, Bank Victoria menyediakan mekanisme governance system, Bank Victoria provides a transparent and
pengaduan yang transparan dan akuntabel untuk menangani accountable complaint mechanism to handle issues related to
masalah terkait ketenagakerjaan, K3, serta pelanggaran HAM. employment, OHS, and human rights violations.
Melalui saluran pengaduan ini, Bank Victoria memastikan bahwa Through this complaint channel, Bank Victoria ensures that any
setiap laporan atau keluhan yang berhubungan dengan diskriminasi, reports or complaints related to discrimination, violation of workers’
pelanggaran hak pekerja, atau potensi pelanggaran lainnya dapat rights, or other potential violations can be handled professionally
ditangani secara profesional dan sesuai dengan ketentuan yang and in accordance with the applicable provisions. In the past 3
berlaku. Selama 3 (tiga) tahun terakhir Bank tidak menerima adanya (three) years, the Bank did not receive any complaints related to
pengaduan terkait pengelolaan HC. HC management.
Berkembang Bersama Masyarakat Developing Together with the Community
Bank menerapkan program tanggung jawab sosial perusahaan The Bank implements corporate social responsibility (CSR)
(corporate social responsibility/CSR) sebagai bagian dari programs as part of the Bank’s commitment to sustainable
komitmen Bank terhadap pembangunan berkelanjutan. development. Through these programs, the Bank is committed
Melalui program ini, Bank berkomitmen untuk memberikan to providing utmost positive contributions to the community,
kontribusi positif secara maksimal kepada masyarakat, particularly the surrounding community in operational areas
terutama masyarakat sekitar di wilayah operasional melalui berbagai through various initiatives on social and community development.
inisiatif mengenai pengembangan sosial dan kemasyarakatan. CSR program implementation at the Bank refers to the Board of
Pelaksanaan program CSR Bank mengacu pada Surat Keputusan Directors’ Decision Letter No. 027/SK-DIR/04/21 dated 29 April 2021
Direksi No. 027/SK-DIR/04/21 tanggal 29 April 2021 tentang on Corporate Social Responsibility (CSR).
Corporate Social Responsibility (CSR).
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Visi dan Misi CSR
CSR Vision and Mission
VISI Vision
MISI Mission
Menjadi mitra dalam meningkatkan
kualitas pendidikan, kesehatan,
dan kesejahteraan masyarakat • Berpartisipasi dalam mengurangi keterbelakangan • To participate in reducing social backwardness
untuk menjadi lebih baik serta sosial kemasyarakatan sesuai dengan kapasitas in accordance with the Company’s capacity
ikut berperan dalam membangun dan kemampuan perusahaan. and capabilities.
hubungan antara perusahaan • Berpartisipasi dalam meningkatkan kualitas • To participate in improving the quality of basic
dengan masyarakat yang pendidikan dasar bagi anak-anak sekolah. education for school children.
berkelanjutan. • Berupaya untuk mengimplementasikan • To make efforts to implement energy
To become a partner in improving cara-cara konservasi energi dalam rutinitas conservation methods in daily work routines.
the quality of education, health, pekerjaan sehari-hari.
and welfare of the community to • Berupaya untuk mendukung kegiatan serta • To make efforts to support positive activities
be better and play a role in building aktivitas positif melalui kerja sama yang lebih through closer cooperation with various
sustainable relationships between dekat dengan berbagai komunitas di bidang communities in the banking sector.
the company and communities. perbankan.
• Ikut serta berperan dalam program pemberdayaan • To continuously participate in community
masyarakat secara berkelanjutan. empowerment program.
Penggunaan Tenaga Kerja Lokal [POJK F.25] Use of Local Manpower [POJK F.25]
Penggunaan tenaga kerja lokal menjadi salah satu upaya Bank The use of local manpower is one effort of the Bank to promote
untuk mendorong terciptanya kesejahteraan masyarakat sekitar. the establishment of welfare for the surrounding community.
Saat ini, Bank mempunyai 68,36% karyawan yang berasal dari Currently, the Bank has 68.36% of its employees coming from the
masyarakat sekitar. surrounding community.
Investasi Terhadap Komunitas [POJK F.25] [S-12] Investment in the Community [POJK F.25] [S-12]
Melalui investasi terhadap komunitas, Bank Victoria mendukung By investing in the community, Bank Victoria supports community
pengembangan masyarakat dengan melaksanakan program-program development by conducting long-term programs, such as the
jangka panjang, seperti pembangunan fasilitas umum untuk MCK construction of public facilities for MCK for the community of
untuk masyarakat Kampung Depok Barakan, Desa Bojong Timur, Kampung Depok Barakan, Bojong Timur Village, Bojong Subdistrict,
Kecamatan Bojong, Purwakarta, Jawa Barat serta pelaksanaan program Purwakarta, West Java and the community empowerment programs
pemberdayaan masyarakat untuk pemberdayaan lingkungan sekitar held to empower the surrounding environment by improving health
melalui kegiatan peningkatan sarana fasilitas sanitasi kesehatan. sanitation facilities. Details of activities that receive investment in
Rincian kegiatan yang mendapatkan investasi terhadap komunitas the community are as follows:
sebagai berikut:
Penerima Manfaat
Kegiatan Lokasi
Beneficiaries
Activity Location
(Orang / People)
Pembangunan fasilitas umum MCK bekerja Kampung Depok Barakan, Desa Bojong Timur, Masyarakat Kampung Depok Barakan, Desa Bojong
sama dengan SMA Lab School Kecamatan Bojong, Purwakarta, Jawa Barat Timur, Kecamatan Bojong, Purwakarta, Jawa Barat
Construction of public restroom facilities in Depok Barakan Village, East Bojong Village, Bojong Community of Depok Barakan Village, East Bojong
collaboration with Lab School Senior High School District, Purwakarta, West Java Village, Bojong District, Purwakarta, West Java
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Tanggung Jawab Sosial dan Lingkungan Hidup
Social and Environmental Responsibility
Biaya Kegiatan Investasi Terhadap Komunitas Cost of Investment Activities to the Community
Dalam kurun waktu 3 (tiga) tahun terakhir, biaya yang dikeluarkan In the past 3 (three) years, the costs incurred by the Bank for
Bank untuk kegiatan investasi terhadap komunitas sebagai berikut: investment activities in the community are as follows:
2024 2023 2022
19,477,900 5,500,000 88,967,970
dalam Rupiah / in Rupiah dalam Rupiah / in Rupiah dalam Rupiah / in Rupiah
Sumbangan kepada Organisasi Nirlaba Donation to Non-Profit Organizations
[POJK F.25] [S-12] [POJK F.25] [S-12]
Selain itu, Bank Victoria juga memberikan sumbangan In addition to investment in the community, Bank Victoria also
kepada organisasi nirlaba yang memiliki misi sosial tertentu. provides donation to non-profit organizations that have specific
Dukungan ini diwujudkan dalam bentuk donasi untuk program social missions. This support is realized in form of donation for
pelestarian lingkungan, bantuan untuk program pendidikan environmental conservation programs, assistance for educational
seperti beasiswa dan pengadaan alat belajar. Rincian kegiatan programs such as scholarships, and procurement of learning tools.
yang mendapatkan sumbangan kepada organisasi nirlaba Details of activities for which donations were made to non-profit
sebagai berikut: organizations are as follows:
Penerima Manfaat
Kegiatan Lokasi
Beneficiaries
Activity Location
(Orang / People)
Kegiatan sosial, kemasyarakatan, kesehatan, Jl. Pasir Putih Raya No. 28, Kelurahan Ancol, Kecamatan
dan lingkungan hidup Pademangan, Jakarta Utara Yayasan Artha Graha Peduli
Social, community, health, and environmental Jl. Pasir Putih Raya No. 28, Ancol Village, Pademangan Artha Graha Peduli Foundation
activities District, North Jakarta
Yayasan Tjo Soe Kong Tanjung Kait
Penyaluran paket sembako Tj. Anom, Kecamatan Mauk, Kabupaten Tangerang, Banten 300 orang
Distribution of staple food packages Tjo Soe Kong Tanjung Kait Foundation 300 people
Tj. Anom, Mauk District, Tangerang Regency, Banten
Yayasan Khairul Amal Yayasan Khairul Amal, Almarhum Robby Wahyudi,
Jl. Jenderal Gatot Subroto Kav. 32-34, Gatot Subroto, Almarhum Muhamad Yusup, Almarhum Dhany
Pemberian santunan Jakarta Selatan Prambudi, dan Almarhum Meksi Tri
Provision of compensation Khairul Amal Foundation Khairul Amal Foundation, the late Robby
Jl. Jenderal Gatot Subroto Kav. 32-34, Gatot Subroto, Wahyudi, the late Muhamad Yusup, the late
South Jakarta Dhany Prambudi, and the late Meksi Tri
Pemberian bingkisan untuk apresiasi dan Gedung Graha BIP Lantai 10
penghargaan terhadap karyawan Jl. Gatot Subroto Kav. 23, Jakarta Selatan 746 orang
Provision of gift packages for appreciation Graha BIP Building 10th Floor 746 people
and recognition of employees Jl. Gatot Subroto Kav. 23, South Jakarta
Gedung Graha BIP Lantai 10
Donor darah Jl. Gatot Subroto Kav. 23, Jakarta Selatan 100 orang
Blood donation Graha BIP Building 10th Floor 100 people
Jl. Gatot Subroto Kav. 23, South Jakarta
Yayasan Delapan Sabda Bahagia
Jl. Kamboja No. 27, Depok, Kecamatan Pancoran Mas,
Bantuan dana Kota Depok, Jawa Barat 60 orang
Financial assistance Delapan Sabda Bahagia Foundation 60 people
Jl. Kamboja No. 27, Depok, Pancoran Mas District,
Depok City, West Java
Yayasan STT Iman Jakarta
Jl. Wijaya I No. 29-31 6, RT 2 RW 4, Petogogan,
Pemberian dana pendidikan dan operasional Kecamatan Kebayoran Baru, Jakarta Selatan Yayasan STT Iman
Provision of educational and operational funds STT Iman Jakarta Foundation STT Iman Foundation
Jl. Wijaya I No. 29-31 6, RT 2 RW 4, Petogogan,
Kebayoran Baru District, South Jakarta
Pemberian dana sosial Siswa Frater
Kepak Sayap Rajawali Muda Xaverian
Provision of social funds Students of Frater
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Biaya Kegiatan Sumbangan kepada Cost of Donation to
Organisasi Nirlaba Non-Profit Organizations
Dalam kurun waktu 3 (tiga) tahun terakhir, biaya yang dikeluarkan Bank In the past 3 (three) years, the costs incurred by the Bank for
untuk kegiatan sumbangan kepada organisasi nirlaba sebagai berikut: donation activities to non-profit organizations are as follows:
2024 2023 2022
1,189,173,620 174,110,888 149,247,694
dalam Rupiah / in Rupiah dalam Rupiah / in Rupiah dalam Rupiah / in Rupiah
Program Magang Internasional International Internship Program
untuk Mahasiswa Asing for Foreign Students
Sebagai bentuk komitmen dalam mendukung pengembangan As a form of commitment to supporting the development of global
pendidikan global dan pertukaran pengetahuan lintas negara, education and cross-country knowledge exchange, Bank Victoria
Bank Victoria menjalankan program magang internasional bagi carries out international internship program for foreign students. In
mahasiswa asing. Pada tahun 2024, Bank menerima 2 (dua) orang 2024, the Bank accepted 2 (two) overseas interns who were placed
mahasiswa magang dari luar negeri yang ditempatkan di bidang in sales & trading, investment banking, and marketing, and project
sales & trading, investment banking, dan marketing, serta project management with the aim of providing practical understanding
management dengan tujuan memberikan pemahaman praktis of banking industry in Indonesia and equipping participants with
mengenai industri perbankan di Indonesia serta membekali peserta globally relevant professional experience.
dengan pengalaman profesional yang relevan secara global.
Melalui inisiatif ini, Bank Victoria tidak hanya turut serta dalam Through this initiative, Bank Victoria not only participates in
mendorong peningkatan kualitas sumber daya manusia internasional, encouraging the improvement of quality of international human
tetapi juga memperkuat hubungan antarbangsa dalam konteks resources, but also strengthening international relations in the context
pembelajaran dan pengembangan kapasitas generasi muda. Program of learning and developing the capacity of younger generation.
ini menjadi bagian dari kontribusi Bank dalam mendukung pencapaian This program is part of the Bank’s contribution to supporting the
tujuan pembangunan berkelanjutan, khususnya di bidang pendidikan. achievement of sustainable development goals, particularly in education.
Dampak Operasi Terhadap Masyarakat Sekitar Impact of Operations on Surrounding Community
[POJK F.23] [POJK F.23]
Secara keseluruhan, kegiatan operasional Bank tidak menimbulkan In all, the Bank’s operational activities have no negative impact
efek negatif bagi masyarakat sekitar. Sebaliknya, melalui produk on the surrounding community. On the contrary, through financial
keuangan dan berbagai inisiatif CSR, Bank memberikan dampak products and various CSR initiatives, the Bank has a positive
positif yang bermanfaat bagi komunitas setempat. Kehadiran impact that is beneficial to the local community. The presence
Bank Victoria membuka peluang kerja bagi masyarakat melalui of Bank Victoria opens up employment opportunities for the
proses rekrutmen yang transparan, serta menciptakan kesempatan community through a transparent recruitment process, and creates
bagi pengusaha lokal untuk menjadi pemasok atau vendor barang opportunities for local entrepreneurs to become suppliers or
dan jasa yang dibutuhkan Bank. vendors of goods and services needed by the Bank.
Dengan demikian, keberadaan Bank turut berkontribusi pada Thus, the Bank’s presence also contributes to improving the
peningkatan taraf hidup dan pertumbuhan ekonomi di sekitar wilayah standard of living and economic growth in the operational areas. In
operasional. Selain menciptakan lapangan kerja dan mendukung addition to creating employment opportunity and supporting local
pelaku usaha lokal, masyarakat juga mendapatkan manfaat dari business players, the community also gains benefits from various
berbagai program sosial yang dijalankan oleh Bank sebagai bagian social programs carried out by the Bank as part of the Bank’s
dari komitmen Bank terhadap tanggung jawab sosial perusahaan. commitment to corporate social responsibility.
Sarana Pengaduan Masyarakat [POJK F.24] Community Complaint Channel [POJK F.24]
Sarana pengaduan masalah terkait kegiatan CSR dapat disampaikan Complaints on issues related CSR activities can be submitted
melalui: through the following means:
1. Call Center yang beroperasi 24 jam melalui panggilan 1500977; 1. 24 Hour Call Center 1500977;
2. E-mail customercare@victoriabank.co.id; dan 2. E-mail customercare@victoriabank.co.id; and
3. Customer service yang berada di cabang-cabang terdekat 3. Customer services at the nearest branch offices that regularly
yang secara berkala akan dilaporkan kepada kantor pusat submit the report to the head office regarding the complaint
terkait data pengaduan dan tingkat penyelesaiannya. data and settlement status.
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Tanggung Jawab Sosial dan Lingkungan Hidup
Social and Environmental Responsibility
Seluruh pengaduan yang disampaikan akan ditindaklanjuti dengan All complaints submitted will be followed up properly and
baik dan objektif, tanpa adanya tindakan intimidasi. Dalam 3 (tiga) objectively, without any intimidation. In the past 3 (three) years,
tahun terakhir, Bank tidak menerima pengaduan terkait kegiatan the Bank did not receive any complaints related to CSR activities
CSR yang telah dilaksanakan. that were carried out.
Rantai Pasok yang Bertanggung Jawab Responsible Supply Chain
Bank memahami peran penting mitra usaha dalam mendukung The Bank understands the important role of business partners in
kelancaran operasional. Oleh karena itu, Bank menerapkan proses supporting smooth operations. Therefore, the Bank implements
seleksi ketat untuk memastikan hanya bermitra dengan pihak yang a strict selection process to ensure that the Bank only partners
mematuhi undang-undang dan peraturan yang berlaku. Proses ini with parties that comply with the applicable laws and regulations.
membantu Bank menjaga standar kualitas tinggi di seluruh kegiatan This process helps the Bank maintain high quality standards
operasional. Dengan menjalin kerja sama dengan mitra yang throughout its operational activities. By cooperating with partners
memiliki nilai dan komitmen yang sejalan, Bank dapat membangun who share the same values and commitments, the Bank can build
jaringan yang solid, mendukung pencapaian tujuan keberlanjutan, a solid network, support the achievement of sustainability goals,
serta terus memberikan layanan berkualitas terbaik kepada nasabah. and continue to provide best quality services to customers.
Keberlanjutan Kinerja Lingkungan Hidup
Environmental Performance Sustainability
Kegiatan Usaha Berwawasan Lingkungan Environmentally-Friendly Business Activities
Bank Victoria berkomitmen mendukung kegiatan usaha berwawasan Bank Victoria is committed to supporting environmentally friendly
lingkungan dengan menyalurkan kredit kepada sektor-sektor business activities by lending to sectors that apply sustainability
yang menerapkan prinsip keberlanjutan. Melalui pembiayaan ini, principles. Through this financing, the Bank encourages the
Bank mendorong pengembangan bisnis yang ramah lingkungan, development of businesses that are environmentally friendly,
bertanggung jawab sosial, dan memiliki tata kelola yang baik. socially responsible, and have good governance. Bank Victoria
Bank Victoria meyakini bahwa investasi pada usaha berkonsep believes that investing in sustainable businesses is a strategic step
berkelanjutan merupakan langkah strategis untuk mendorong to encourage long-term economic growth.
pertumbuhan ekonomi jangka panjang.
Pembiayaan dengan Pertimbangan Financing by Considering
Aspek Lingkungan Hidup the Environmental Aspect
Bank mensyaratkan kepemilikan dokumen AMDAL bagi (calon) The Bank requires ownership of an AMDAL document for (potential)
debitur yang mengelola lahan seluas 25 hektare atau lebih sebagai debtor who manages land of 25 hectares or more as part of
bagian dari persyaratan pengajuan kredit. Kebijakan ini diatur dalam the requirements for applying loan. This policy is stipulated in the
Keputusan Direksi No. 004/SK-DIR/12/24 tanggal 16 Desember 2024 Board of Directors’ Decision Letter No. 004/SK-DIR/12/24 dated
tentang Standar Operasional Prosedur Perkreditan Commercial dan December 16, 2024 concerning Standard Operating Procedures for
SME PT Bank Victoria International Tbk. Melalui dokumen AMDAL, Commercial and Consumer Loans of PT Bank Victoria International
Bank dapat mengevaluasi dampak lingkungan dari aktivitas usaha Tbk. Through AMDAL document, the Bank can evaluate the
debitur, memastikan praktik yang berkelanjutan, dan memutuskan environmental impact of the debtor’s business activities, ensure
penyaluran kredit hanya kepada (calon) debitur yang memenuhi sustainable practices, and decide lending only to (potential) debtors
kriteria lingkungan yang ditetapkan. Berikut informasi mengenai fulfilling the established environmental criteria. The following is
penyaluran kredit dengan pertimbangan aspek lingkungan selama information on lending with due observance of the environmental
3 (tiga) tahun terakhir: aspect for the past 3 (three) years:
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(dalam juta Rupiah / in million Rupiah)
Debitur
2024 2023 2022
Debtor
PT Perkebunan Nusantara III (Persero) - - 210,787
PT Ungaran Sari Garment 72,427 59,269 82,435
PT Lamipak Primula Ind - - 19,367
PT IGP International 73,711 81,667 89,257
PT Nada Surya Tunggal - - 24,702
PT Paberik Tekstil Kasrie - - 8,000
PT Pratama Unggul S 42,480 23,233 9,920
PT Kwala Gunung 123,747 118,921 146,433
PT Sweet Greens Indonesia 81,345 47,783 11,482
PT Mitra Niaga Cornindo - 21,753 23,952
PT Mitra Sewatama Raya - 11,871 59,534
PT Gaharu 59,900 68,541 77,106
PT Bina Mitra Makmur 107,375 137,376 -
PT Samudera Parama Avirodha 25,497 28,889 31,972
Henry Maknawi 15,482 23,928 -
Total 601,964 623,231 794,947
Penggunaan Material yang Ramah Lingkungan Use of Environmentally Friendly Material
[POJK F.5] [POJK F.5]
Operasional Bank Victoria tidak banyak memerlukan bahan baku The operations at Bank Victoria do not require many raw materials
selain untuk kebutuhan administrasi dan kantor. Meski demikian, other than for administrative and office purposes. Nevertheless,
Bank tetap memperhatikan penggunaan material yang ramah the Bank continues to pay attention to the use of environmentally
lingkungan untuk peralatan dan perlengkapan kantor. Bank juga friendly materials for office equipment and supplies. The Bank also
mendorong seluruh karyawan untuk mengurangi pemakaian encourages all employees to reduce the use of single-use products
produk sekali pakai yang tidak bisa didaur ulang sebagai upaya unable to be recycled as an effort to reduce the volume of waste
untuk menekan volume sampah di tempat pembuangan akhir. in landfills. To support this initiative, the Bank carries out various
Untuk mendukung inisiatif ini, Bank menjalankan berbagai program, programs, including:
antara lain:
1. Mengganti air minum kemasan dengan penyediaan gelas atau 1. Replacing bottled drinking water with the provision of glasses
tumbler untuk mengurangi penggunaan plastik sekali pakai; or tumblers to reduce the use of single-use plastics;
2. Memanfaatkan kertas bekas sesuai kebutuhan dan 2. Utilizing used paper as needed and maximizing digital
memaksimalkan penyimpanan dokumen secara digital untuk document storage to reduce paper use; and
mengurangi penggunaan kertas; dan
3. Menggunakan kantong atau goodie bag ramah lingkungan 3. Using environmentally friendly bag or goodie bag in various
dalam berbagai acara dan sebagai merchandise atau barang events and as merchandise or promotional items for customers.
promosi kepada nasabah.
Efisiensi Penggunaan Energi Using Energy Efficiently
[POJK F.6] [POJK F.7] [E-03] [POJK F.6] [POJK F.7] [E-03]
Kebutuhan energi untuk menunjang kegiatan operasional Energy needs to support banking operational activities are met
perbankan dipenuhi Bank Victoria melalui 2 (dua) sumber utama, by Bank Victoria through 2 (two) main sources, fuel (BBM) and
yaitu bahan bakar minyak (BBM) dan listrik. BBM diperoleh Bank electricity. BBM is obtained by the Bank from the nearest Gas
dari gerai Stasiun Pengisian Bahan Bakar Umum (SPBU) terdekat Station (SPBU) and is used for operational vehicles and generators
dan digunakan untuk kendaraan operasional serta genset sebagai as energy reserves when the power is out.
cadangan energi saat listrik padam.
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Tanggung Jawab Sosial dan Lingkungan Hidup
Social and Environmental Responsibility
Untuk kebutuhan listrik, Bank Victoria memperoleh pasokan For electricity needs, Bank Victoria obtains supplies from the State
dari Perusahaan Listrik Negara (PT PLN), yang digunakan untuk Electricity Company (PT PLN), which is used to operate various
mengoperasikan berbagai peralatan elektronik seperti komputer, electronic equipment such as computers, lighting systems, air
sistem pencahayaan, pendingin ruangan, dan perangkat lainnya conditioners, and other devices in the office. The electricity used by
di kantor. Listrik yang digunakan Bank Victoria termasuk dalam Bank Victoria is categorized as indirectly consumed electricity due
kategori listrik yang dikonsumsi secara tidak langsung karena to the supply that is purchased from a third party (PT PLN) and is
pasokan tersebut dibeli dari pihak ketiga (PT PLN) dan tidak not generated directly by the Bank.
dihasilkan langsung oleh Bank.
Saat ini, Bank Victoria belum menggunakan listrik yang dikonsumsi To date, Bank Victoria has not used directly consumed electricity,
secara langsung, seperti dari pembangkit listrik tenaga surya atau such as from solar power plants or other renewable energy sources.
sumber energi terbarukan lainnya. Hal ini dikarenakan penggunaan This is because the use of electricity from PLN is considered more
listrik dari PLN dinilai lebih praktis, efisien, dan sesuai dengan practical, efficient, and in accordance with the operational needs
kebutuhan operasional perbankan yang bersifat konsisten dan of banking which are consistent and guaranteed. Furthermore,
terjamin. Selain itu, investasi untuk membangun pembangkit listrik investment to build an independent power plant requires large
mandiri membutuhkan sumber daya yang besar dan pengelolaan resources and complex management, which is currently not a top
yang kompleks, yang saat ini belum menjadi prioritas utama Bank. priority for the Bank.
Ke depannya, Bank Victoria terus mengevaluasi dan Going forward, Bank Victoria will continue to evaluate and
mempertimbangkan implementasi sumber energi terbarukan consider the implementation of renewable energy sources as
sebagai bagian dari komitmen untuk mendukung keberlanjutan part of its commitment to supporting environmental sustainability
lingkungan dan efisiensi energi dalam operasional perbankan. and energy efficiency in banking operations. Information on
Informasi penggunaan energi Bank Victoria selama 3 (tiga) tahun energy use at Bank Victoria for the past 3 (three) years is outlined
terakhir diuraikan sebagai berikut: as follows:
Satuan
Uraian 2024 2023 2022 Description
Unit
GJ 4,914.20 4,774.83 4,442.55
Listrik Electricity
J 4,914,200,000,000 4,774,830,000,000 4,442,550,000,000
BBM* GJ 2,353.97 2,262.32 2,879.76 Fuel*
Total GJ 7,268.17 7,037.15 7,322.31 Total
Intensitas Penggunaan GJ/Juta Rp
0.00350 0.00383 0.00448 Intensity of Energy Use
Energi GJ/Million Rp
Capaian Efisiensi GJ/Juta Rp Achievement of
0.00233 0.00064 0.00031
Energi GJ/Million Rp Energy Efficiency
* Bahan bakar yang digunakan untuk kendaraan merupakan jenis Pertalite. / The fuel used for vehicles is the Pertalite type.
Adapun uraian mengenai konsumsi energi listrik dari operasional The description of electrical energy consumption from the Bank’s
Bank berdasarkan jenisnya dipisahkan sebagai berikut: operations based on its type is separated as follows:
Satuan
Uraian 2024 Description
Unit
Energi yang Dikonsumsi secara Langsung kWh 1,365,056.83 Directly Consumed Energy
Energi yang Dikonsumsi secara Tidak Langsung kWh - Indirectly Consumed Energy
Total Konsumsi Energi Listrik kWh 1,365,056.83 Total Electrical Energy Consumption
Konsumsi energi merupakan salah satu kontributor terbesar bagi Energy consumption is one of the largest contributors to
emisi GRK yang akan berdampak terhadap perubahan iklim. GHG emissions that will impact climate change. Therefore, the
Oleh karena itu, Bank berupaya untuk melakukan penghematan Bank strives to save energy in various sectors. This step not
energi di berbagai sektor. Langkah ini tidak hanya turut only contributes to handling climate change, but can also be
428 PT Bank Victoria International Tbk | Laporan Tahunan dan Keberlanjutan 2024 Annual and Sustainability Report
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berkontribusi bagi penanganan perubahan iklim, namun juga dapat cost-efficient. The energy efficiency efforts realized by the Bank are
mengefisienkan biaya. Upaya-upaya efisiensi energi yang telah described as follows:
direalisasikan Bank diuraikan sebagai berikut:
1. Mematikan perangkat elektronik, lampu, dan AC ketika tidak 1. Turn off electronic devices, lights, and air conditioning when
digunakan untuk menghemat energi; not in use to save energy;
2. Mengganti lampu biasa dengan lampu LED yang lebih efisien 2. Replace ordinary lamps with more efficient and energy-saving
dan hemat energi; dan LED lamps; and
3. Mengurangi pertemuan tatap muka dan beralih ke rapat daring 3. Reduce face-to-face meetings and switch to online meetings to
untuk mengurangi penggunaan bahan bakar kendaraan. reduce the use of fuel for vehicle.
Efisiensi Penggunaan Air [POJK F.8] [E-04] Using Water Efficiently [POJK F.8] [E-04]
Air merupakan salah satu sumber daya yang diperlukan untuk Water is one of the resources required for daily operations.
keperluan operasional sehari-hari. Adapun sumber konsumsi The Bank’s water consumption comes from the Regional Drinking
air Bank berasal dari Perusahaan Daerah Air Minum (PDAM), Water Company (PDAM), both for sanitation needs and office
baik untuk kebutuhan sanitasi maupun kebutuhan rumah tangga household needs. In its utilization, the Bank always encourages
kantor. Dalam pemanfaatannya, Bank senantiasa mendorong setiap every Bank employee to commit to using water efficiently by
insan Bank untuk berkomitmen menggunakan air secara efisien carrying out the following initiatives:
dengan melakukan beberapa inisiatif berikut:
1. Memasang sensor otomatis pada keran untuk memastikan 1. Installing automatic sensor on faucet to ensure more efficient
penggunaan air yang lebih efisien; use of water;
2. Meningkatkan kesadaran karyawan tentang pentingnya 2. Increasing employee awareness of the importance of saving
penghematan air melalui brosur dan pesan imbauan yang water through brochures and appeals placed in water source
ditempatkan di area-area sumber air, seperti keran; dan areas, such as taps; and
3. Melakukan pemeriksaan rutin terhadap keran, shower, toilet, 3. Periodically checking on taps, showers, toilets, and water
dan meteran air untuk mendeteksi kerusakan sedini mungkin dan meters to detect damage as early as possible and prevent leaks
mencegah kebocoran yang dapat menyebabkan pemborosan air. that can cause water waste.
Informasi mengenai penggunaan dan efisiensi air Bank selama Information regarding water use and efficiency at the Bank over
3 (tiga) tahun terakhir ditunjukkan sebagai berikut: the past 3 (three) years is shown as follows:
Satuan
Uraian 2024 2023 2022 Description
Unit
Air m3 20,080.38 18,746.74 5,494.06 Water
Intensitas Penggunaan Air m /Juta Rp
3
Intensity of Water Use
0.00967 0.01021 0.00336
Terhadap Pendapatan Operasional m3/Million Rp to Operating Income
m3/Juta Rp
Capaian Penghematan Air 0.00054 (0.00685) 0.00048 Achievement of Water Saving
m3/Million Rp
Pengelolaan Limbah [POJK F.13] [POJK F.14] Waste Management [POJK F.13] [POJK F.14]
[POJK F.15] [E-05] [POJK F.15] [E-05]
Kegiatan operasional perbankan menghasilkan berbagai jenis Banking operational activities generate various types of waste, both
limbah, baik organik maupun anorganik, dengan mayoritas limbah organic and inorganic, with the majority of paper waste. However, to
berupa kertas. Namun, hingga saat ini, Bank Victoria masih berfokus date, Bank Victoria still focuses on counting paper waste as part of
pada penghitungan limbah kertas sebagai bagian dari upaya a more measurable waste management effort. The Bank recorded
pengelolaan limbah yang lebih terukur. Bank mencatat bahwa limbah that the paper waste generated 3.34 tons per year in 2024.
kertas yang dihasilkan mencapai 3,34 ton per tahun pada tahun 2024.
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Tanggung Jawab Sosial dan Lingkungan Hidup
Social and Environmental Responsibility
Untuk mengelola limbah ini, Bank Victoria menerapkan metode To manage this waste, Bank Victoria applies a waste management
pengelolaan limbah yang berprinsip pada reduce, reuse, dan recycle method based on the principles of reduce, reuse, and recycle (3R).
(3R). Strategi ini mencakup upaya mengurangi penggunaan kertas This strategy covers efforts to reduce paper use through digitizing
melalui digitalisasi proses kerja, memanfaatkan kembali kertas bekas work processes, reusing used paper for internal purposes, and
untuk keperluan internal, serta mendaur ulang limbah kertas melalui recycling paper waste through cooperation with third parties,
kerja sama dengan pihak ketiga, yaitu pengelola gedung. namely the building managers.
Meskipun pengelolaan limbah saat ini lebih terfokus pada limbah Although the waste management is currently more focused on
kertas, Bank Victoria berkomitmen untuk terus mengembangkan paper waste, Bank Victoria is committed to continuously developing
sistem pengelolaan limbah yang lebih menyeluruh, termasuk a more comprehensive waste management system, including
memperluas cakupan penghitungan limbah ke jenis limbah lainnya. expanding the scope of waste accounting to other types of waste.
Langkah ini dilakukan untuk memastikan seluruh proses operasional This step is taken to ensure that all operational processes are carried
dijalankan secara efisien, bertanggung jawab, dan sesuai dengan out efficiently, responsibly, and in accordance with the principles of
prinsip keberlanjutan lingkungan. environmental sustainability.
Tumpahan yang Terjadi Spills
Pada tahun 2024, tidak terdapat kejadian tumpahan limbah yang In 2024, there were no waste spills caused by the Bank’s operational
disebabkan oleh kegiatan operasional Bank. activities.
Keanekaragaman Hayati [POJK F.9] [POJK F.10] Biodiversity [POJK F.9] [POJK F.10]
Wilayah operasional Bank tidak berada pada lokasi yang The Bank’s operational areas are not located near or in contact
berdekatan atau bersinggungan dengan area yang dilindungi with protected areas or regions with high biodiversity. Thus, the
maupun kawasan yang memiliki keanekaragaman hayati tinggi. Bank’s operations do not have any negative impact on biodiversity.
Dengan demikian, operasional Bank tidak berdampak negatif Nevertheless, as a small step in supporting the availability of green
terhadap keanekaragaman hayati. Meski demikian, sebagai open space, the Bank cooperates with building managers to place
langkah kecil dalam mendukung tersedianya ruang terbuka hijau, plant pots around the Bank’s offices.
Bank bekerja sama dengan pengelola gedung melakukan
penempatan pot tanaman di sekitar kantor Bank.
Pengendalian Emisi [POJK F.11] [POJK F.12] [E-01] [E-02] Emission Control [POJK F.11] [POJK F.12] [E-01] [E-02]
Penggunaan sumber energi untuk kegiatan operasional The use of energy sources for operational activities generates
menghasilkan emisi sebagai salah satu penyumbang Gas Rumah emissions, as one contributor to Greenhouse Gas (GHG), which have
Kaca (GRK) yang berpotensi memicu pemanasan global dan the potential to trigger global warming and climate change. As such,
perubahan iklim. Terkait hal tersebut, Bank melakukan upaya untuk the Bank makes efforts to reduce the emissions generated by:
mengurangi emisi yang dihasilkan dengan:
1. Menempatkan tanaman hias di berbagai area kantor untuk 1. Placing ornamental plants in various office areas to increase
meningkatkan kadar oksigen dan mengurangi partikel debu oxygen levels and reduce dust particles in the air;
di udara;
2. Mengurangi konsumsi listrik melalui penerapan kebijakan 2. Reducing electricity consumption through the implementation
hemat energi; dan of energy-saving policies; and
3. Meminimalkan perjalanan dinas dengan mengoptimalkan 3. Minimizing business trip by optimizing the use of online
penggunaan platform pertemuan daring serta meningkatkan meeting platforms and increasing the efficiency of vehicle use,
efisiensi penggunaan kendaraan, terutama untuk perjalanan especially for trip out of town.
luar kota.
Melalui langkah-langkah tersebut, Bank berkomitmen untuk Through these steps, the Bank is committed to reducing
mengurangi dampak lingkungan dan mendukung keberlanjutan. environmental impacts and supporting sustainability.
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Informasi mengenai jumlah emisi yang dihasilkan Bank selama Information on the amount of emissions generated by the Bank
3 (tiga) tahun terakhir ditunjukkan sebagai berikut: over the past 3 (three) years is shown as follows:
2024 2023 2022
Uraian Description
TonCO2eq
Lingkup 1 Operasional Utama (Bahan Bakar) 157.84 151.70 193.10 Main Operation (Fuel) Scope 1
Lingkup 2 Listrik yang Dibeli 1,283.15 1,246.76 1,160.00 Electricity Purchased Scope 2
Total Emisi 1,440.99 1,398.46 1,353.10 Total Emissions
Intensitas Emisi (TonCO2eq/Juta Rp) 0.00069 0.00076 0.00083 Emission Intensity (TonCO2eq/Million Rp)
Capaian Efisiensi Emisi Achievement of Emission Efficiency
0.00007 0.00007 0.00007
(TonCO2eq/Juta Rp) (TonCO2eq/Million Rp)
Berikut ini, disajikan tabel mengenai penggunaan energi pada The following is the table of energy use in each emission scope at
masing-masing lingkup emisi di Bank yang disesuaikan dengan the Bank, adjusted to IDX ESG standard.
standar ESG IDX.
Satuan
Uraian 2024 Description
Unit
Kategori 1: Emisi GRK Langsung dan Pembuangan
Category 1: Direct GHG Emissions and Removals
Emisi Langsung dari Pembakaran Stasioner Ton CO2eq - Direct Emissions from Stationary Combustion
Emisi Langsung dari Pembakaran Bergerak Ton CO2eq 157.84 Direct Emissions from Mobile Combustion
Emisi Langsung dari Proses Pengolahan Ton CO2eq - Direct Emissions from Processes
Emisi Fugitive Langsung Ton CO2eq - Direct Fugitive Emissions
Emisi Langsung dari Land Use, Land Use Change Direct Emissions from Land Use, Land Use Change,
Ton CO2eq -
and Forestry (LULUCF) and Forestry (LULUCF)
Total Emisi Langsung (Scope 1) Ton CO2eq 157.84 Total Direct Emissions (Scope 1)
Kategori 2: Emisi GRK Tidak Langsung dari Energi yang Diimpor/Dibeli
Category 2: Indirect GHG Emissions from Imported/Purchased Energy
Emisi Tidak Langsung dari Konsumsi Listrik Indirect Emissions from Imported/Purchased
Ton CO2eq 1,283.15
yang Diimpor/Dibeli Electricity Consumption
Emisi Tidak Langsung dari Konsumsi Jaringan Energi Indirect Emissions from Imported/Purchased
Ton CO2eq -
yang Diimpor/Dibeli (Diluar Listrik) Network Energy Consumption (Excluding Electricity)
Total Emisi Tidak Langsung (Scope 2) Ton CO2eq 1,283.15 Total Indirect Emissions (Scope 2)
Kategori 3: Emisi GRK Tidak Langsung dari Transportasi
Category 3: Indirect GHG Emissions from Transportation
Transportasi dan Distribusi Hulu Ton CO2eq - Upstream Transportation and Distribution
Perjalanan Dinas Ton CO2eq - Business Trip
Transportasi dari Klien dan Pengunjung Ton CO2eq - Transportation of Clients and Visitors
Transportasi dan Distribusi Hilir Ton CO2eq - Downstream Transportation and Distribution
Perjalanan Karyawan Ton CO2eq - Employee Commuting
Kategori 4: Emisi GRK Tidak Langsung dari Produk yang Digunakan Perusahaan
Category 4: Indirect GHG Emissions from Products Used by Company
Kegiatan yang Berhubungan dengan Energi
Energy-Related Activities Not Included in Direct
yang Tidak Termasuk dalam Emisi Langsung Ton CO2eq -
Emissions and Indirect Energy Emissions
dan Emisi Energi Tidak Langsung
Pembelian Barang dan Jasa Ton CO2eq - Purchased Goods and Services
Capital Equipment/Goods Ton CO2eq - Capital Equipment/Goods
Limbah yang Dihasilkan dalam Kegiatan Operasional Ton CO2eq - Waste Generated in Operations
Aset Sewaan Hulu Ton CO2eq - Upstream Leased Assets
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Tanggung Jawab Sosial dan Lingkungan Hidup
Social and Environmental Responsibility
Satuan
Uraian 2024 Description
Unit
Kategori 5: Emisi GRK Tidak Langsung yang Terkait Dengan Penggunaan Produk dari Perusahaan
Category 5: Indirect GHG Emissions Associated with the Use of the Company’s Products
Investasi Ton CO2eq - Investments
Penggunaan Produk yang Dijual Ton CO2eq - Use of Products Sold
Pembuangan Akhir Masa Pakai Produk yang Dijual Ton CO2eq - End-of-Life Removals of Products Sold
Waralaba Hilir Ton CO2eq - Downstream Franchises
Aset Sewaan Hilir Ton CO2eq - Downstream Leased Assets
Pengolahan Produk yang Dijual Ton CO2eq - Processing of Products Sold
Kategori 6: Emisi GRK Tidak Langsung dari Sumber Lainnya
Category 6: Indirect GHG Emissions from Other Sources
Emisi atau Pembuangan Tidak Langsung Lainnya Ton CO2eq - Other Indirect Emissions or Removals
Total Emisi Tidak Langsung (Scope 3) Ton CO2eq - Total Indirect Emissions (Scope 3)
Total Emisi GRK (Scope 1 dan 2) Ton CO2eq 1,440.99 Total GHG Emissions (Scope 1 and 2)
Total Emisi GRK (Scope 1, 2, dan 3) Ton CO2eq - Total GHG Emissions (Scope 1, 2, and 3)
Offsets/Credits Ton CO2eq - Offsets/Credits
Pembelian Renewable Energy Certificate (REC) kWh - Purchase of Renewable Energy Certificate (REC)
Ton CO2eq/Juta Rp
Intensitas Emisi GRK (Scope 1 dan 2) Ton CO2eq/Million 0.00069 GHG Emissions Intensity (Scope 1 and 2)
Rp
Komitmen untuk Mengurangi Emisi Gas Commitment to Reduce Greenhouse Gas
Rumah Kaca [E-06] [E-07] Emissions [E-06] [E-07]
Bank Victoria berkomitmen untuk mendukung upaya global Bank Victoria is committed to supporting global efforts to control
dalam pengendalian perubahan iklim melalui pengurangan emisi climate change by reducing GHG emissions. The Bank is expected
GRK. Pengurangan emisi GRK diharapkan dapat dicapai Bank to achieve reductions in GHG emission in 2025.
di tahun 2025.
Sebagai bentuk keseriusan dalam mencapai target tersebut, As a form of determination in achieving this target, Bank Victoria
Bank Victoria telah membentuk sistem manajemen yang khusus establishes the management system that specifically oversees
mengawasi pengendalian iklim yang dikoordinir oleh Change climate control, coordinated by the Change Management Office
Management Office Division dan dibantu oleh divisi dan/atau Division and assisted by other divisions and/or work units. This team
unit kerja lainnya. Unit ini bertanggung jawab untuk merancang, is responsible for designing, implementing, and monitoring strategic
melaksanakan, dan memantau inisiatif strategis terkait pengurangan initiatives related to reducing GHG emissions. Concrete measures
emisi GRK. Langkah-langkah konkret yang telah dilakukan Bank taken by Bank Victoria include:
Victoria meliputi:
1. Mengimplementasi teknologi hemat energi di kantor-kantor 1. Implementing energy-efficient technology in operational
operasional; offices;
2. Mengoptimalisasi pengelolaan limbah operasional untuk 2. Optimizing operational waste management to reduce
mengurangi dampak lingkungan; dan environmental impact; and
3. Mengurangi emisi dari aktivitas operasional melalui digitalisasi 3. Reducing emissions from operational activities through
proses dan pengurangan perjalanan dinas. process digitizing and reducing business trip.
Bank Victoria percaya bahwa kontribusi aktif dalam pengurangan Bank Victoria believes that active contributions to reducing GHG
emisi GRK tidak hanya mendukung keberlanjutan lingkungan, tetapi emissions not only support environmental sustainability, but also
juga menciptakan nilai tambah bagi pemangku kepentingan dan create added value for stakeholders and community as a whole. This
masyarakat secara keseluruhan. Komitmen ini akan terus dijalankan commitment will continue to be carried out to achieve a greener
untuk mencapai masa depan yang lebih hijau dan berkelanjutan. and more sustainable future.
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Sarana Pengaduan Terkait Complaint Channel Related to
Masalah Lingkungan [POJK F.16] Environmental Issue [POJK F.16]
Hingga saat ini, Bank belum memiliki mekanisme pengaduan masalah Until now, the Bank does not have a complaint channel for
lingkungan hidup, mengingat kegiatan usaha yang dijalankan Bank environmental issues, considering that the business activities
saat ini tidak memiliki dampak langsung pada keberlangsungan carried out by the Bank do not have a direct impact on environmental
lingkungan hidup. Meski demikian, pemangku kepentingan dapat sustainability. Nevertheless, stakeholders can submit complaints
menyampaikan pengaduan apabila kegiatan Bank mengganggu through email, call center, Bank website, or Bank social media,
lingkungan hidup melalui email, call center, situs web Bank, in the event that the Bank’s activities disrupt the environment.
ataupun media sosial Bank. Sepanjang 3 (tiga) tahun terakhir, Over the past 3 (three) years, the Bank did not receive any reports
Bank tidak menerima laporan terkait masalah lingkungan hidup. related to environmental issues.
Biaya Lingkungan Hidup [POJK F.4] Environmental Costs [POJK F.4]
Bank belum memiliki alokasi biaya khusus untuk pengelolaan The Bank has no specific cost allocation for environmental
lingkungan. Biaya tersebut telah termasuk ke dalam biaya management. These costs are included in the office operational
operasional kantor. costs.
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Indeks Pengungkapan Kriteria POJK
No. 51/POJK.03/2017 [POJK G.4]
POJK Criteria Disclosure Index No. 51/POJK.03/2017
No. Indeks Nama Indeks Halaman
No. Index Index Name Page
Strategi Keberlanjutan
Sustainability Strategy
Penjelasan Strategi Keberlanjutan
A.1 4
Explanation of Sustainability Strategy
Ikhtisar Kinerja Aspek Keberlanjutan
Performance Highlights of Sustainability Aspects
Aspek Ekonomi
B.1 16
Economic Aspects
Aspek Lingkungan Hidup
B.2 20
Environmental Aspects
Aspek Sosial
B.3 19
Social Aspects
Profil Perusahaan
Company Profile
Visi, Misi, dan Nilai Keberlanjutan
C.1 58
Vision, Mission, and Sustainability Values
Alamat Perusahaan
C.2 54
Company Address
Skala Perusahaan
C.3 62, 92, 125, 417
Company Scale
Produk, Layanan, dan Kegiatan Usaha yang Dijalankan
C.4 60, 61
Products, Services, and Business Activities
Keanggotaan pada Asosiasi
C.5 68
Membership in Association
Perubahan Emiten dan Perusahaan Publik yang bersifat Signifikan
C.6 55
Significant Changes in Issuers and Public Companies
Penjelasan Direksi
Explanation from Board of Directors
Penjelasan Direksi
D.1 41
Explanation from Board of Directors
Tata Kelola Keberlanjutan
Sustainability Governance
Penanggung Jawab Penerapan Keuangan Berkelanjutan
E.1 397
Person in Charge of Sustainable Finance Implementation
Pengembangan Kompetensi Terkait Keuangan Berkelanjutan
E.2 398
Competence Development Related to Sustainable Finance
Penilaian Risiko atas Penerapan Keuangan Berkelanjutan
E.3 399
Risk Assessment of Sustainable Finance Implementation
Hubungan dengan Pemangku Kepentingan
E.4 9
Relations with Stakeholders
Permasalahan Terhadap Penerapan Keuangan Berkelanjutan
E.5 6, 7, 8
Problems in Sustainable Finance Implementation
Kinerja Keberlanjutan
Sustainability Performance
249, 253, 256,
Kegiatan Membangun Budaya Keberlanjutan
F.1 257, 261, 262,
Building a Sustainability Culture
263
Kinerja Ekonomi
Economic Performance
Perbandingan Target dan Kinerja Produksi, Portofolio, Target Pembiayaan, atau Investasi, Pendapatan dan Laba Rugi
F.2 Comparison of Targets and Performance of Production, Portfolios, Financing Targets, or Investments, Income and 400
Profit and Loss
Perbandingan Target dan Kinerja Portofolio, Target Pembiayaan, atau Investasi pada Instrumen Keuangan atau Proyek
yang Sejalan dengan Keuangan Berkelanjutan
F.3 400, 403
Comparison of Targets and Performance of Portfolio, Financing Targets, or Investments on Financial Instruments or
Projects in Line with Sustainable Finance
434 PT Bank Victoria International Tbk | Laporan Tahunan dan Keberlanjutan 2024 Annual and Sustainability Report
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No. Indeks Nama Indeks Halaman
No. Index Index Name Page
Kinerja Lingkungan Hidup
Environmental Performance
Aspek Umum
General Aspect
Biaya Lingkungan Hidup
F.4 433
Environmental Costs
Aspek Material
Material Aspect
Penggunaan Material yang Ramah Lingkungan
F.5 427
Use of Environmentally Friendly Material
Aspek Energi
Energy Aspect
Jumlah dan Intensitas Energi yang Digunakan
F.6 427
Amount and Intensity of Energy Consumed
Upaya dan Pencapaian Efisiensi Energi dan Penggunaan Energi Terbarukan
F.7 427
Efforts and Achievement of Energy Efficiency and Renewable Energy Consumed
Aspek Air
Water Aspects
Penggunaan Air
F.8 429
Water Consumption
Aspek Keanekaragaman Hayati
Biodiversity Aspect
Dampak dari Wilayah Operasional yang Dekat atau Berada di Daerah Konservasi atau Memiliki Keanekaragaman Hayati
F.9 430
Impact of Operational Areas Adjacent to or in Conservation Areas or Areas with Biodiversity
Usaha Konservasi Keanekaragaman Hayati
F.10 430
Biodiversity Conservation Effort
Aspek Emisi
Emission Aspect
Jumlah dan Intensitas Emisi yang Dihasilkan Berdasarkan Jenisnya
F.11 430
Amount and Intensity of Emissions Generated by Type
Upaya dan Pencapaian Pengurangan Emisi yang Dilakukan
F.12 430
Efforts and Achievements of Emission Reduction Implemented
Aspek Limbah dan Efluen
Waste and Effluent Aspect
Jumlah Limbah dan Efluen yang Dihasilkan Berdasarkan Jenis
F.13 429
Amount of Waste and Effluent Generated by Type
Mekanisme Pengelolaan Limbah dan Efluen
F.14 429
Waste and Effluent Management Mechanisms
Tumpahan yang Terjadi (jika ada)
F.15 429
Spills (if any)
Aspek Pengaduan Terkait Lingkungan Hidup
Aspects of Complaints Related to the Environment
Jumlah dan Materi Pengaduan Lingkungan Hidup yang Diterima dan Diselesaikan
F.16 433
Number and Material of Environmental Complaints Received and Resolved
Kinerja Sosial
Social Performance
Komitmen untuk Memberikan Layanan atas Produk dan/atau Jasa yang Setara kepada Pelanggan
F.17 405
Commitment to Providing Equal Products and/or Services to Customers
Aspek Ketenagakerjaan
Employment Aspect
Kesetaraan Kesempatan Bekerja
F.18 412
Equal Employment Opportunity
Tenaga Kerja Anak dan Tenaga Kerja Paksa
F.19 411
Child Labor and Forced Labor
Upah Minimum Regional
F.20 418
Regional Minimum Wage
Lingkungan Bekerja yang Layak dan Aman
F.21 421
Decent and Safe Work Environment
Pelatihan dan Pengembangan Kemampuan Pegawai
F.22 414
Employee Training and Development
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No. Indeks Nama Indeks Halaman
No. Index Index Name Page
Aspek Masyarakat
Community Aspect
Dampak Operasi Terhadap Masyarakat Sekitar
F.23 425
Impact of Operations on the Surrounding Community
Pengaduan Masyarakat
F.24 425
Community Complaints
Kegiatan Tanggung Jawab Sosial Lingkungan (TJSL)
F.25 423, 424
Environmental Social Responsibility Activities
Tanggung Jawab Pengembangan Produk/Jasa Berkelanjutan
Responsibility for Sustainable Product/Service Development
Inovasi dan Pengembangan Produk/Jasa Keuangan Berkelanjutan
F.26 406
Sustainable Financial Product/Service Innovation and Development
Produk/Jasa yang Sudah Dievaluasi Keamanannya bagi Pelanggan
F.27 408
Products/Services with Evaluated Customer Safety
Dampak Produk/Jasa
F.28 405
Impacts of Products/Services
Jumlah Produk yang Ditarik Kembali
F.29 408
Number of Products Recalled
Survei Kepuasan Pelanggan Terhadap Produk dan/atau Jasa Keuangan Berkelanjutan
F.30 408
Customer Satisfaction Survey on Sustainable Financial Products and/or Services
Lain-Lain
Miscellaneous
Verifikasi Tertulis dari Pihak Independen (jika ada)
G.1 438
Written Verification from Independent Party (if any)
Lembar Umpan Balik
G.2 439
Feedback Form
Tanggapan Terhadap Umpan Balik Laporan Tahun Sebelumnya
G.3 438
Responses to Previous Year’s Report Feedback
Daftar Pengungkapan sesuai Peraturan Otoritas Jasa Keuangan No. 51/POJK.03/2017 tentang Penerapan Keuangan
Berkelanjutan bagi Lembaga Jasa Keuangan, Emiten, dan Perusahaan Publik
G.4 434
List of Disclosures According to Financial Services Authority Regulation No. 51/POJK.03/2017 on Implementation of
Sustainable Finance for Financial Services Institutions, Issuers, and Public Companies
Daftar Pengungkapan Sesuai
Pelaporan ESG Metrik
List of Disclosures According to ESG Reporting Metrics
Kinerja Kode Nama Metrik Halaman
Performance Code Metric Name Page
Laporan Emisi Gas Rumah Kaca
E-01 430
Greenhouse Gas Emission Report
Intensitas Emisi Gas Rumah Kaca
E-02 430
Greenhouse Gas Emission Intensity
Konsumsi Energi Listrik
E-03 427
Electrical Energy Consumption
Lingkungan Konsumsi Air
E-04 429
Environment Water Consumption
Limbah yang Dihasilkan
E-05 429
Waste Generated
Komitmen Perusahaan untuk Mencapai Target Net Zero Emission
E-06 432
Company’s Commitment to Achieve Net Zero Emission Target
Komitmen Perusahaan untuk Mengurangi Emisi Gas Rumah Kaca
E-07 432
Company’s Commitment to Reduce Greenhouse Gas Emissions
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Kinerja Kode Nama Metrik Halaman
Performance Code Metric Name Page
Kesetaraan Gender
S-01 412
Gender Equality
Pegawai Berdasarkan Gender dan Kelompok Umur
S-02 412
Employees by Gender and Age Group
Tingkat Pergantian Pegawai
S-03 419
Employee Turnover Rate
Jumlah Pegawai Sementara
S-04 420
Number of Temporary Employees
Pelatihan dan Pengembangan Pegawai
S-05 414
Employee Training and Development
Jumlah Kecelakaan Kerja
S-06 422
Number of Occupational Accidents
Sosial
Kejadian Pelanggaran Hak Asasi Manusia
Social S-07 422
Incident of Human Rights Violation
Kebijakan Pelecehan Seksual dan/atau Non-Diskriminasi
S-08 413
Sexual Harassment and/or Non-Discrimination Policies
Kebijakan Mengenai Hak Asasi Manusia
S-09 410
Human Rights Policy
Kebijakan Pekerja Anak dan/atau Pekerja Paksa
S-10 411
Child and/or Forced Labor Policies
Kebijakan Mengenai Kesehatan dan Keselamatan Kerja serta Lingkungan Kerja yang Aman dan
Layak Diberikan kepada Seluruh Karyawan
S-11 421
Occupational Health and Safety Policy and Safe and Decent Work Environment Provided to All
Employees
S-12 Corporate Social Responsibility 423, 424
Keberagaman Manajemen dan Independensi
G-01 195
Management Diversity and Independence
Total Kehadiran Direksi dan Komisaris ke Rapat Dewan
G-02 175, 181
Total Attendance of Directors and Commissioners to Board Meetings
Kebijakan Pemisahan Chairman of the Board dan CEO
G-03 196
Chairman of the Board and CEO Separation Policy
Kebijakan Penilaian Dewan Direksi dan Komisaris
G-04 183
Board of Directors and Board of Commissioner Assessment Policy
Tata Kelola Kebijakan Pelatihan Dewan Direksi dan Komisaris
G-05 189
Governance Board of Directors and Board of Commissioners Training Policy
Kriteria Khusus Pemilihan Dewan
G-06 197
Specific Criteria for Board Selection
Kode Etik dan/atau Anti-Korupsi
G-07 257, 261
Code of Conduct and/or Anti-Corruption
Kebijakan Perlakuan Adil Terhadap Pemegang Saham
G-08 261, 262
Policy on Fair Treatment of Shareholders
Pencegahan Konflik Kepentingan
G-09 193
Prevention of Conflict of Interest
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Tanggapan Terhadap Umpan Balik Laporan Tahun Sebelumnya [POJK G.3] Responses to Previous Year’s Report Feedback Bank tidak mendapat tanggapan dari para pemangku kepentingan The Bank did not receive any responses from stakeholders setelah diterbitkannya Laporan Tahunan dan Keberlanjutan 2023. subsequent to the publication of the 2023 Annual and Sustainability Dengan demikian, dalam Laporan ini tidak terdapat informasi secara Report. Therefore, this Report contains no specific information on spesifik tentang tindak lanjut yang diambil Bank atas tanggapan the follow-up actions taken by the Bank on the responses from dari pemangku kepentingan tahun sebelumnya. stakeholders in the previous year. Verifikasi Tertulis dari Pihak Independen [POJK.G.1] Written Verification from Independent Party Bank memastikan bahwa seluruh isi dan data yang disampaikan telah The Bank ensures that all contents and data submitted have melalui tahap verifikasi internal walaupun Bank tidak menggunakan undergone internal verification phase even though the Bank does jasa penjamin (assurance). not use assurance services. 438 PT Bank Victoria International Tbk | Laporan Tahunan dan Keberlanjutan 2024 Annual and Sustainability Report
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Lembar Umpan Balik [POJK G.2]
Feedback Form
Setelah membaca Laporan Keberlanjutan PT Bank Victoria After reading this Sustainability Report of PT Bank Victoria
International Tbk, kami mohon kesediaan para pemangku International Tbk, we would like to ask all stakeholders to kindly
kepentingan untuk memberikan umpan balik dengan mengirim provide feedback by sending e-mail or sending this form by fax/mail.
e-mail atau mengirim formulir ini melalui fax/pos.
Pertanyaan Setuju Tidak Setuju
Questions Agree Disagree
Laporan ini telah memberikan informasi yang bermanfaat mengenai kinerja ekonomi, sosial, dan lingkungan perusahaan.
This report has provided useful information on economic, social, and environmental performance of the company.
Data dan informasi yang diungkapkan mudah dipahami, lengkap, transparan, dan berimbang.
Data and information disclosed are easy to understand, complete, transparent, and balanced.
Data dan informasi yang disajikan berguna dalam pengambilan keputusan.
Data and information presented are useful for making decision.
Laporan ini menarik dan mudah dibaca.
This report is interesting and easy to read.
Mohon berikan nilai mengenai aspek yang terdapat dalam Please score on aspects presented in this report (1 = most important,
laporan ini (nilai 1 = paling penting, 2 = penting, 3 = tidak penting, 2 = important, 3 = less important, 4 = least important).
4 = sangat tidak penting).
Kinerja Ekonomi Anti-Fraud
Economic Performance Anti-Fraud
Pinjaman UMKM Privasi Nasabah
MSME Loans Customer Privacy
Pemberian Kredit dengan Pertimbangan Aspek Lingkungan Penggunaan Energi
Providing Loans with the Consideration of Environmental Aspects Energy Consumption
Kesetaraan Gender dan Kesempatan Kerja yang Adil Penggunaan Air
Gender Equality and Fair Job Opportunity Water Consumption
Pelatihan dan Pendidikan Pengelolaan Limbah
Training and Education Waste Treatment
Kesehatan dan Keselamatan Kerja Pengembangan Masyarakat
Occupational Health and Safety Community Development
Mohon berikan komentar/saran/usulan bagi laporan ini. Please provide your comments/suggestions/ideas for this report.
.................................................................................................................................................................................................................................................................................
.................................................................................................................................................................................................................................................................................
.................................................................................................................................................................................................................................................................................
.................................................................................................................................................................................................................................................................................
Profil Anda / Your Profile
Nama / Name : .......................................................................................................................................................................................................
Pekerjaan / Occupation : .......................................................................................................................................................................................................
Institusi/Perusahaan / Institution/Company : .......................................................................................................................................................................................................
Kontak (telepon, e-mail) Contact (telephone, e-mail) : .......................................................................................................................................................................................................
Laporan Tahunan dan Keberlanjutan 2024 Annual and Sustainability Report | PT Bank Victoria International Tbk 439
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Kategori Pemangku Kepentingan / Category of Stakeholder
Pemerintah ⃝Mitra Usaha ⃝LSM
Government Business Partners NGO
⃝Nasabah ⃝Lain-Lain, ….
⃝Media
Customer Others, ….
⃝Karyawan Masyarakat
Employees Community
Saran dan tanggapan yang Anda berikan atas informasi yang Please send your suggestion and response to the information
disajikan dalam laporan ini mohon dikirimkan kepada: presented in this report to:
Kantor Pusat Bank Victoria
Head Office of Bank Victoria (021) 522 8888
(021) 522 8777
Gedung Graha BIP Lantai 10
Graha BIP Building 10th Floor 15009 77
Jl. Gatot Subroto Kav. 23 www.victoriabank.co.id
Kel. Karet Semanggi, Kec. Setiabudi
corsec@victoriabank.co.id
Jakarta Selatan / South Jakarta
440 PT Bank Victoria International Tbk | Laporan Tahunan dan Keberlanjutan 2024 Annual and Sustainability Report
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Kriteria Penyampaian Laporan Tahunan
Berdasarkan SEOJK No. 16/SEOJK.04/2021
Criteria for Annual Report Submission based on SEOJK No. 16/SEOJK.04/2021
Kriteria Penjelasan Halaman
Criteria Explanation Page
Ketentuan Umum
General Provisions
Laporan Tahunan disajikan dalam bentuk dokumen cetak dan dokumen elektronik. √
The Annual Report is presented in the form of printed documents and electronic documents.
Laporan Tahunan yang disajikan dalam bentuk dokumen cetak, dicetak pada kertas yang berwarna terang, berkualitas baik, berukuran A4, dijilid, dan √
dapat diperbanyak dengan kualitas yang baik.
The Annual Report is presented in hardcopy format, printed on bright colored paper, of good quality, A4 size, bound, and can be reproduced in good quality.
Laporan Tahunan dapat menyajikan informasi berupa gambar, grafik, tabel, dan/atau diagram dengan mencantumkan judul dan/atau keterangan yang √
jelas, sehingga mudah dibaca dan dipahami.
The Annual Report can present information in the form of pictures, graphs, tables and/or diagrams by including clear titles and/or descriptions, so that
they are easy to read and understand.
Laporan Tahunan yang disajikan dalam bentuk dokumen elektronik merupakan Laporan Tahunan yang dikonversi dalam portable document format (PDF). √
The Annual Report presented in the form of an electronic document is an Annual Report that is converted in portable document format (PDF).
Isi Laporan Tahunan
Annual Report Contents
Kilas Kinerja
Performance Highlights
Ikhtisar data keuangan penting memuat informasi keuangan yang Informasi memuat antara lain: 16
disajikan dalam bentuk perbandingan selama 3 (tiga) tahun buku 1. Pendapatan/penjualan;
atau sejak memulai usahanya jika Emiten atau Perusahaan Publik 2. Laba bruto;
tersebut menjalankan kegiatan usahanya kurang dari 3 (tiga) 3. Laba (rugi);
tahun. 4. Jumlah laba (rugi) yang dapat diatribusikan kepada pemilik entitas induk dan
kepentingan non pengendali;
5. Total laba (rugi) komprehensif;
6. Jumlah laba (rugi) komprehensif yang dapat diatribusikan kepada pemilik
entitas induk dan kepentingan non-pengendali;
7. Laba (rugi) per saham;
8. Jumlah aset;
9. Jumlah liabilitas;
10. Jumlah ekuitas;
11. Rasio laba (rugi) terhadap jumlah aset;
12. Rasio laba (rugi) terhadap ekuitas;
13. Rasio laba (rugi) terhadap pendapatan;
14. Rasio lancar;
15. Rasio liabilitas terhadap ekuitas;
16. Rasio liabilitas terhadap jumlah aset; dan
17. Informasi dan rasio keuangan lainnya yang relevan dengan perusahaan dan
jenis industrinya.
Summary of important financial data contains financial information Information includes, among others:
presented in comparative form for 3 (three) financial years or since 1. Revenue/sales;
the business starts if the Issuer or Public Company started its 2. Gross profit;
business in less than 3 (three) years ago. 3. Profit (loss);
4. Total profit (loss) attributable to owners of the parent entity and non-controlling
interests;
5. Total comprehensive profit (loss);
6. Total comprehensive profit (loss) attributable to owners of the parent entity and
non-controlling interests;
7. Earnings (loss) per share;
8. Total assets;
9. Total liabilities;
10. Total equity;
11. Profit (loss) to total assets ratio;
12. Profit (loss) to equity ratio;
13. Profit (loss) to revenue ratio;
14. Current ratio;
15. Liabilities to equity ratio;
16. Liabilities to total assets ratio; and
17. Information and other financial ratios that are relevant to the company and the
type of industry.
Laporan Tahunan dan Keberlanjutan 2024 Annual and Sustainability Report | PT Bank Victoria International Tbk 441
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Kriteria Penjelasan Halaman
Criteria Explanation Page
Informasi Saham Informasi saham bagi Perusahaan Terbuka paling sedikit memuat: 20
1. Saham yang telah diterbitkan untuk setiap masa triwulan yang disajikan
dalam bentuk perbandingan selama 2 (dua) tahun buku terakhir, paling sedikit
memuat:
a. Jumlah saham yang beredar;
b. Kapitalisasi pasar berdasarkan harga pada bursa efek tempat saham
dicatatkan;
c. Harga saham tertinggi, terendah, dan penutupan berdasarkan harga pada
bursa efek tempat saham dicatatkan; dan
d. Volume perdagangan pada bursa efek tempat saham dicatatkan.
Informasi dalam huruf b), huruf c) dan huruf d) hanya diungkapkan jika sahamnya
tercatat di bursa efek;
2. Dalam hal terjadi aksi korporasi yang menyebabkan terjadinya perubahan pada
saham, seperti pemecahan saham (stock split), penggabungan saham (reverse
stock), dividen saham, saham bonus, perubahan nilai nominal saham, penerbitan
efek konversi, serta penambahan dan pengurangan modal, informasi saham
sebagaimana dimaksud pada angka 1) ditambahkan penjelasan paling sedikit
mengenai:
a. Tanggal pelaksanaan aksi korporasi;
b. Rasio pemecahan saham (stock split), penggabungan saham (reverse
stock), dividen saham, saham bonus, jumlah efek konversi yang diterbitkan,
dan perubahan nilai nominal saham;
c. Jumlah saham beredar sebelum dan sesudah aksi korporasi;
d. Jumlah efek konversi yang dilaksanakan (jika ada); dan
e. Harga saham sebelum dan sesudah aksi korporasi;
3. Dalam hal terjadi penghentian sementara perdagangan saham (suspension)
dan/atau pembatalan pencatatan saham (delisting) dalam tahun buku,
dijelaskan alas an penghentian sementara perdagangan saham (suspension)
dan/atau pembatalan pencatatan saham (delisting) tersebut; dan
4. Dalam hal penghentian sementara perdagangan saham (suspension)
sebagaimana dimaksud pada angka 3) dan/atau proses pembatalan pencatatan
saham (delisting) masih berlangsung hingga akhir periode laporan tahunan,
dijelaskan tindakan yang dilakukan untuk menyelesaikan penghentian sementara
perdagangan saham (suspension) dan/atau pembatalan pencatatan saham
(delisting) tersebut.
Share Information Information on shares for Public Companies at least contains:
1. Shares that have been issued for each quarter, presented in comparative form
for the last 2 (two) financial years, at least contain:
a. Number of outstanding shares;
b. Market capitalization based on the price on the stock exchange where the
shares are listed;
c. The highest, lowest, and closing share prices based on the price on the
stock exchange where the shares are listed; and
d. Trading volume on the stock exchange where the shares are listed.
Information in letter b), letter c) and letter d) is only disclosed if the shares
are listed on the stock exchange;
2. In the event of a corporate action causing a change in shares, such as stock
split, reverse stock, share dividends, bonus shares, changes in the nominal value
of shares, issuance of convertible securities, as well as capital increase and
decrease, share information as referred to in number 1) shall be added with an
explanation of at least:
a. The corporate action execution date;
b. Ratio of stock split, reverse stock, stock dividends, bonus shares, number of
convertible securities issued, and changes in share par value;
c. The number of outstanding shares before and after the corporate action;
d. The number of convertible securities executed (if any); and
e. Share prices before and after corporate actions;
3. In the event of temporary suspension of share trading and/or delisting of share
in the financial year, the reasons for the temporary suspension of share trading
and/or delisting of share must be explained; and
4. In the event of temporary suspension of share trading as referred to in number
3) and/or the process of delisting of shares is still ongoing at the end of the
annual report period, the actions taken to resolve the temporary suspension of
share trading and/or delisting of share must be explained.
442 PT Bank Victoria International Tbk | Laporan Tahunan dan Keberlanjutan 2024 Annual and Sustainability Report
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Kriteria Penjelasan Halaman
Criteria Explanation Page
Laporan Direksi dan Dewan Komisaris
Report of the Board of Directors and Board of Commissioners
Laporan Direksi Laporan Direksi paling sedikit memuat uraian singkat mengenai: 33
1. Kinerja Emiten atau Perusahaan Publik, paling sedikit memuat:
a. Strategi dan kebijakan strategis Emiten atau Perusahaan Publik;
b. Peranan Direksi dalam perumusan strategi dan kebijakan strategis Emiten
atau Perusahaan Publik;
c. Proses yang dilakukan Direksi untuk memastikan implementasi strategi
Emiten atau Perusahaan Publik;
d. Perbandingan antara hasil yang dicapai dengan yang ditargetkan Emiten
atau Perusahaan Publik; dan
e. Kendala yang dihadapi Emiten atau Perusahaan Publik;
2. Gambaran tentang prospek usaha Emiten atau Perusahaan Publik; dan
3. Penerapan tata kelola Emiten atau Perusahaan Publik.
Board of Directors’ Report The Board of Directors’ report contains at least a brief description of:
1. Performance of Issuers or Public Companies, at least includes:
a. Issuer’s or Public Company’s strategy and strategic policies;
b. The role of the Board of Directors in formulating the strategy and strategic
policies of the Issuer or Public Company;
c. The process carried out by the Board of Directors to ensure the
implementation of the Issuer’s or Public Company’s strategy;
d. Comparison between the results achieved and those targeted by the Issuer
or Public Company; and
e. Obstacles faced by Issuers or Public Companies;
2. An overview of the business prospects of the Issuer or Public Company; and
3. Implementation of Issuer or Public Company governance.
Laporan Dewan Komisaris Laporan Dewan Komisaris paling sedikit memuat uraian singkat mengenai: 41
1. Penilaian terhadap kinerja Direksi mengenai pengelolaan Emiten atau
Perusahaan Publik, termasuk pengawasan Dewan Komisaris dalam perumusan
dan implementasi strategi Emiten atau Perusahaan Publik yang dilakukan oleh
Direksi;
2. Pandangan atas prospek usaha Emiten atau Perusahaan Publik yang disusun
oleh Direksi; dan
3. Pandangan atas penerapan tata kelola Emiten atau Perusahaan Publik.
Board of Commissioners’ Report The Board of Commissioners’ report contains at least a brief description of:
1. Assessment of the Board of Directors’ performance regarding the management
of the Issuer or Public Company, including the Board of Commissioners’
oversight in the formulation and implementation of the Issuer’s or Public
Company’s strategy carried out by the Board of Directors;
2. Views on the business prospects of the Issuer or Public Company prepared by
the Board of Directors; and
3. Views on the implementation of governance of the Issuer or Public Company.
Profil Perusahaan
Company Profile
1. Nama Emiten atau Perusahaan Publik termasuk apabila 54
terdapat perubahan nama, alasan perubahan, dan tanggal
efektif perubahan nama pada tahun buku.
Name of Issuer or Public Company including if there is a name
change, reasons for the change, and the effective date of the
name change in the financial year.
2. Akses terhadap Emiten atau Perusahaan Publik termasuk a. Alamat; 54
kantor cabang atau kantor perwakilan yang memungkinkan b. Nomor telepon;
masyarakat dapat memperoleh informasi mengenai Emiten c. Alamat surat elektronik; dan
atau Perusahaan Publik. d. Alamat situs web.
Access to Issuers or Public Companies including branch a. Address;
offices or representative offices that enable the public to b. Phone number;
obtain information about Issuers or Public Companies. c. Electronic mail address; and
d. Website address.
3. Riwayat singkat Emiten atau Perusahaan Publik. 56
Brief history of Issuer or Public Company.
4. Visi dan misi Emiten atau Perusahaan Publik serta budaya 58
perusahaan (corporate culture) atau nilai-nilai perusahaan.
Issuer’s or Public Company’s vision and mission and corporate
culture or corporate values.
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5. Kegiatan usaha menurut anggaran dasar terakhir, kegiatan 60
usaha yang dijalankan pada tahun buku, serta jenis barang
dan/atau jasa yang dihasilkan.
Business activities according to the latest articles of
association, business activities carried out in the financial
year, and types of goods and/or services produced.
6. Wilayah operasional Emiten atau Perusahaan Publik; wilayah 62
operasional merupakan wilayah atau daerah pelaksanaan
kegiatan operasional atau jangkauan dari kegiatan operasional
perusahaan.
The operational area of the Issuer or Public Company;
operational area is the area or region where the operational
activities take place or the coverage area of the company’s
operational activities.
7. Struktur organisasi Emiten atau Perusahaan Publik dalam 66
bentuk bagan, paling sedikit sampai dengan struktur 1 (satu)
tingkat di bawah Direksi termasuk komite di bawah Direksi (jika
ada) dan komite di bawah Dewan Komisaris, disertai dengan
nama dan jabatan.
The organizational structure of the Issuer or Public Company
in the form of a chart, at least up to 1 (one) level below the
Board of Directors including committees under the Board
of Directors (if any) and committees under the Board of
Commissioners, accompanied by names and positions.
8. Daftar keanggotaan asosiasi industri baik dalam skala nasional 68
maupun internasional yang berkaitan dengan penerapan
keuangan berkelanjutan.
List of industry association memberships both on a national
and international scale related to the implementation of
sustainable finance.
9. Profil Direksi. a. Nama dan jabatan yang sesuai dengan tugas dan tanggung jawab; 72
b. Foto terbaru;
c. Usia;
d. Kewarganegaraan;
e. Riwayat pendidikan dan/atau sertifikasi;
f. Riwayat jabatan, meliputi informasi:
1) Dasar hukum pengangkatan sebagai anggota Direksi pada Emiten atau
Perusahaan Publik yang bersangkutan;
2) Rangkap jabatan, baik sebagai anggota Direksi, anggota Dewan Komisaris,
dan/atau anggota komite serta jabatan lainnya baik di dalam maupun di luar
Emiten atau Perusahaan Publik. Dalam hal anggota Direksi tidak memiliki
rangkap jabatan, maka diungkapkan mengenai hal tersebut; dan
3) Pengalaman kerja beserta periode waktunya baik di dalam maupun di luar
Emiten atau Perusahaan Publik;
g. Hubungan afiliasi dengan anggota Direksi lainnya, anggota Dewan Komisaris,
pemegang saham utama, dan pengendali baik langsung maupun tidak langsung
sampai kepada pemilik individu, meliputi nama pihak yang terafiliasi. Dalam hal
anggota Direksi tidak memiliki hubungan afiliasi, maka Emiten atau Perusahaan
Publik mengungkapkan hal tersebut; dan
h. Perubahan komposisi anggota Direksi dan alasan perubahannya. Dalam hal
tidak terdapat perubahan komposisi anggota Direksi, maka diungkapkan
mengenai hal tersebut.
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Board of Directors’ Profile. a. Name and position according to duties and responsibilities;
b. Latest photos;
c. Age;
d. Citizenship;
e. Educational history and/or certification;
f. Position history, including information on:
1) The legal basis of appointment as a member of the Board of Directors of the
Issuer or Public Company concerned;
2) Concurrent positions, as members of the Board of Directors, members of
the Board of Commissioners, and/or committee members as well as other
positions inside and outside the Issuer or Public Company. In the event that
members of the Board of Directors do not have concurrent positions, then
this shall be disclosed; and
3) Work experience and time period inside and outside the Issuer or Public
Company;
g. Affiliation with other members of the Board of Directors, members of the
Board of Commissioners, major and controlling shareholders, either directly or
indirectly up to individual owners, including names of affiliated parties. In the
event that members of the Board of Directors have no affiliation, then the Issuer
or Public Company shall disclose this matter; and
h. Changes in the composition of members of the Board of Directors and reasons
for the changes. In the event that there is no change in the composition of the
members of the Board of Directors, this shall be disclosed.
10. Profil Dewan Komisaris. a. Nama dan jabatan; 69
b. Foto terbaru;
c. Usia;
d. Kewarganegaraan;
e. Riwayat pendidikan dan/atau sertifikasi;
f. Riwayat jabatan, meliputi informasi:
1) Dasar hukum pengangkatan sebagai anggota dewan komisaris;
2) Dasar hukum pengangkatan pertama kali sebagai anggota dewan komisaris
yang merupakan komisaris independen pada emiten atau perusahaan
publik yang bersangkutan;
3) Rangkap jabatan, baik sebagai anggota dewan komisaris, anggota direksi,
dan/atau anggota komite serta jabatan lainnya baik di dalam maupun di luar
emiten atau perusahaan Publik. Dalam hal anggota Dewan Komisaris tidak
memiliki rangkap jabatan, maka diungkapkan mengenai hal tersebut; dan
4) Pengalaman kerja beserta periode waktunya baik di dalam maupun di luar
Emiten atau Perusahaan Publik;
g. Hubungan afiliasi dengan anggota Dewan Komisaris lainnya, pemegang saham
utama, dan pengendali baik langsung maupun tidak langsung sampai kepada
pemilik individu, meliputi nama pihak yang terafiliasi; Dalam hal anggota Dewan
Komisaris tidak memiliki hubungan afiliasi, maka Emiten atau Perusahaan Publik
mengungkapkan hal tersebut;
h. Pernyataan independensi komisaris independent dalam hal komisaris
independen telah menjabat lebih dari 2 (dua) periode; dan
i. Perubahan komposisi anggota Dewan Komisaris dan alasan perubahannya.
Dalam hal tidak terdapat perubahan komposisi anggota Dewan Komisaris, maka
diungkapkan mengenai hal tersebut.
Board of Commissioners’ Profile. a. Name and position;
b. Latest photos;
c. Age;
d. Citizenship;
e. Educational history and/or certification;
f. Position history, including information on:
1) Legal basis of appointment as a member of the board of commissioners;
2) The legal basis for the first appointment as a member of the board of
commissioners who is an independent commissioner at the issuer or public
company concerned;
3) Concurrent positions, as members of the board of commissioners, members of
the board of directors, and/or committee members as well as other positions
inside and outside the issuer or public company. In the event that members of
the Board of Commissioners do not have concurrent positions, then this shall
be disclosed; and
4) Work experience and time period inside and outside the Issuer or Public
Company;
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g. Affiliation with other members of the Board of Commissioners, major and
controlling shareholders, either directly or indirectly up to individual owners,
including names of affiliated parties; In the event that members of the Board of
Commissioners have no affiliation, the Issuer or Public Company shall disclose
this matter;
h. Statement of independency of the independent commissioner in the event that
the independent commissioner has served more than 2 (two) periods; and
i. Changes in the composition of members of the Board of Commissioners and
reasons for changes. In the event that there is no change in the composition of
the members of the Board of Commissioners, this shall be disclosed.
11. Dalam hal terdapat perubahan susunan anggota Direksi dan/ 76
atau anggota Dewan Komisaris yang terjadi setelah tahun
buku berakhir sampai dengan batas waktu penyampaian
Laporan Tahunan, susunan yang dicantumkan dalam Laporan
Tahunan adalah susunan anggota Direksi dan/atau anggota
Dewan Komisaris yang terakhir dan sebelumnya.
In the event that there is a change in the composition of
members of the Board of Directors and/or members of the
Board of Commissioners that occurs after the end of the
financial year until the deadline for submitting the Annual
Report, the composition included in the Annual Report is the
last and previous composition of members of the Board of
Directors and/or members of the Board of Commissioners.
12. Jumlah karyawan menurut jenis kelamin, jabatan, usia, tingkat Pengungkapan informasi dapat disajikan dalam bentuk tabel. 417
pendidikan, dan status ketenagakerjaan (tetap/kontrak) dalam
tahun buku.
Number of employees by gender, position, age, educational Disclosure of information can be presented in tabular form.
level, and employment status (permanent/contract) in the
financial year.
13. Nama pemegang saham dan persentase kepemilikan pada a. Pemegang saham yang memiliki 5% (lima persen) atau lebih saham Emiten atau 92
awal dan akhir tahun buku. Perusahaan Publik;
b. Anggota Direksi dan anggota Dewan Komisaris yang memiliki saham Emiten
atau Perusahaan Publik. Dalam hal seluruh anggota Direksi dan/atau seluruh
anggota Dewan Komisaris tidak memiliki saham, maka diungkapkan mengenai
hal tersebut; dan
c. Kelompok pemegang saham masyarakat, yaitu kelompok pemegang saham
yang masing-masing memiliki kurang dari 5% (lima persen) saham Emiten atau
Perusahaan Publik.
Informasi di atas dapat disajikan dalam bentuk tabel.
Name of shareholder and ownership percentage at the a. Shareholders who own 5% (five percent) or more shares of the Issuer or Public
beginning and end of the financial year. Company;
b. Members of the Board of Directors and members of the Board of Commissioners
who own shares of Issuers or Public Companies. In the event that all members
of the Board of Directors and/or all members of the Board of Commissioners do
not own shares, this shall be disclosed; and
c. Group of public shareholders, namely groups of shareholders who each own
less than 5% (five percent) of the shares of the Issuer or Public Company.
The above information can be presented in tabular form.
14. Persentase kepemilikan tidak langsung atas saham Emiten Dalam hal seluruh anggota Direksi dan/atau seluruh anggota Dewan Komisaris tidak 93
atau Perusahaan Publik oleh anggota Direksi dan anggota memiliki kepemilikan tidak langsung atas saham Emiten atau Perusahaan Publik,
Dewan Komisaris pada awal dan akhir tahun buku, termasuk maka diungkapkan mengenai hal tersebut.
informasi mengenai pemegang saham yang terdaftar dalam
daftar pemegang saham untuk kepentingan kepemilikan tidak
langsung anggota Direksi dan anggota Dewan Komisaris.
Percentage of indirect ownership of Issuer or Public Company In the event that all members of the Board of Directors and/or all members of the
shares by members of the Board of Directors and members of Board of Commissioners do not have indirect ownership of shares of Issuer or Public
the Board of Commissioners at the beginning and end of the Company, then this matter shall be disclosed.
financial year, including information regarding shareholders
who are registered in the shareholders register for the benefit
of indirect ownership by members of the Board of Directors
and members of the Board of Commissioners.
15. Jumlah pemegang saham dan persentase kepemilikan per a. Kepemilikan institusi lokal; 94
akhir tahun buku berdasarkan klasifikasi: b. Kepemilikan institusi asing;
c. Kepemilikan individu lokal; dan
d. Kepemilikan individu asing;
Number of shareholders and ownership percentage at the a. Ownership of local institutions;
end of the financial year based on classification: b. Ownership of foreign institutions;
c. Ownership of local individuals; and
d. Ownership of foreign individuals;
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16. Informasi mengenai pemegang saham utama dan pengendali 95
Emiten atau Perusahaan Publik, baik langsung maupun tidak
langsung, sampai kepada pemilik individu, yang disajikan
dalam bentuk skema atau bagan.
Information regarding major and controlling shareholders of
Issuers or Public Companies, either directly or indirectly, up
to individual owners, presented in the form of a schematic or
chart.
17. Nama entitas anak, perusahaan asosiasi, perusahaan ventura Untuk entitas anak, ditambahkan informasi mengenai alamat entitas anak tersebut. 96
bersama dimana Emiten atau Perusahaan Publik memiliki
pengendalian bersama entitas (jika ada), beserta persentase
kepemilikan saham, bidang usaha, total aset, dan status
operasi entitas anak, perusahaan asosiasi, perusahaan
ventura bersama.
Names of subsidiaries, associated companies, joint venture For subsidiaries, information regarding the address of subsidiary is added.
companies where the Issuer or Public Company has joint
control of an entity (if any), along with share ownership
percentage, line of business, total assets, and operating
status of subsidiaries, associated companies, joint venture
companies.
18. Kronologis pencatatan saham, jumlah saham, nilai nominal, 97
dan harga penawaran dari awal pencatatan hingga akhir
tahun buku serta nama bursa efek di mana saham Emiten atau
Perusahaan Publik dicatatkan, termasuk pemecahan saham
(stock split), penggabungan saham (reverse stock), dividen
saham, saham bonus, dan perubahan nilai nominal saham,
pelaksanaan efek konversi, pelaksanaan penambahan dan
pengurangan modal (jika ada);
Chronology of share listing, number of shares, nominal value,
and offering price from the beginning of listing to the end of
the financial year as well as the name of the stock exchange
where the Issuer’s or Public Company’s shares are listed,
including stock split, reverse stock, share dividends, bonus
shares, and changes in the nominal value of shares, exercise of
convertible securities, capital increase and decrease (if any);
19. Informasi pencatatan efek lainnya selain efek sebagaimana 99
dimaksud pada angka 18), yang belum jatuh tempo pada tahun
buku paling sedikit memuat nama efek, tahun penerbitan,
tingkat suku bunga/imbal hasil, tanggal jatuh tempo, nilai
penawaran, dan peringkat efek (jika ada).
Information on the listing of other securities besides the
securities referred to in number 18), which have not yet
matured in the financial year, at least contains the name of
the securities, year of issuance, interest/yield rate, maturity
date, offering price, and securities rating (if any).
20. Informasi penggunaan jasa akuntan publik (AP) dan kantor a. Nama dan alamat; 102
akuntan publik (KAP) beserta jaringan/asosiasi/aliansinya. b. Periode penugasan;
c. Informasi jasa audit dan/atau non audit yang diberikan;
d. Biaya jasa (fee) audit dan/atau non audit untuk masing-masing penugasan yang
diberikan selama tahun buku; dan
e. Dalam hal AP dan KAP beserta jaringan/asosiasi/aliansinya, yang ditunjuk tidak
memberikan jasa non audit, maka diungkapkan mengenai informasi tersebut.
Pengungkapan informasi penggunaan jasa AP dan KAP beserta jaringan/asosiasi/
aliansinya dapat disajikan dalam bentuk tabel.
Information on the use of services from public accounting a. Name and address;
(AP) and public accounting firm (KAP) and their networks/ b. Assignment period;
associations/alliances. c. Information on audit and/or non-audit services provided;
d. Audit and/or non-audit service fees for each assignment given during the
financial year; and
e. In the event that the designated AP and KAP and their network/association/
alliance do not provide non-audit services, the information shall be disclosed.
Disclosure of information on the use of AP and KAP services and their networks/
associations/alliances can be presented in tabular form.
21. Nama dan alamat lembaga dan/atau profesi penunjang pasar 103
modal selain AP dan KAP.
Profile. Names and addresses of capital market supporting
institutions and/or professions other than AP and KAP.
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Analisis dan Pembahasan Manajemen
Management Discussion and Analysis
Analisis dan pembahasan manajemen memuat analisis dan
pembahasan mengenai laporan keuangan dan informasi penting
lainnya dengan penekanan pada perubahan material yang terjadi
dalam tahun buku.
Management discussion and analysis contains discussion and
analysis of financial statements and other important information
with an emphasis on material changes that occurred during the
financial year.
1. Tinjauan operasi per segmen usaha sesuai dengan jenis a. Produksi, yang meliputi proses, kapasitas, dan perkembangannya; 108
industri Emiten atau Perusahaan Publik. b. Pendapatan/penjualan; dan
c. Profitabilitas.
Overview of operations per business segment according to a. Production, which includes process, capacity, and development;
the type of industry of the Issuer or Public Company. b. Revenue/sales; and
c. Profitability.
2. Kinerja keuangan komprehensif yang mencakup a. Aset lancar, aset tidak lancar, dan total aset; 125
perbandingan kinerja keuangan dalam 2 (dua) tahun buku b. Liabilitas jangka pendek, liabilitas jangka panjang, dan total liabilitas;
terakhir, penjelasan tentang penyebab adanya perubahan c. Ekuitas;
dan dampak perubahan tersebut. d. Pendapatan/penjualan, beban, laba (rugi), penghasilan komprehensif lain, dan
total laba (rugi) komprehensif; dan
e. Arus kas.
Comprehensive financial performance which includes a a. Current assets, non-current assets, and total assets;
comparison of financial performance in the last 2 (two) b. Current liabilities, non-current liabilities, and total liabilities;
financial years, with explanation of causes of changes and c. Equity;
impact of changes. d. Revenue/sales, expenses, profit (loss), other comprehensive income, and total
comprehensive profit (loss); and
e. Cash flows.
3. Kemampuan membayar utang atau kewajiban dengan 131
menyajikan perhitungan rasio yang relevan.
Profile. Debt or liabilities service ability by presenting the
calculation of relevant ratio.
4. Tingkat kolektibilitas piutang Emiten atau Perusahaan Publik 131
dengan menyajikan perhitungan rasio yang relevan.
Receivables turnover ratio of the Issuer or Public Company by
presenting calculation of relevant ratio.
5. Struktur modal (capital structure) dan kebijakan manajemen 133
atas struktur modal (capital structure) tersebut disertai dasar
penentuan kebijakan dimaksud.
Capital structure and management policy on capital structure
accompanied by the basis for determining the said policy.
6. Bahasan mengenai ikatan yang material untuk investasi a. Tujuan dari ikatan tersebut; 134
barang modal. b. Sumber dana yang diharapkan untuk memenuhi ikatan tersebut;
c. Mata uang yang menjadi denominasi; dan
d. Langkah yang direncanakan Emiten atau Perusahaan Publik untuk melindungi
risiko dari posisi mata uang asing yang terkait.
Discussion on material commitments for capital goods a. The purpose of the commitment;
investment. b. The source of funds expected to fulfill the said commitment;
c. The currency; and
d. Steps planned by the Issuer or Public Company to protect against risks from
related foreign currency positions.
7. Bahasan mengenai investasi barang modal yang direalisasikan a. Jenis investasi barang modal; 134
dalam tahun buku terakhir. b. Tujuan investasi barang modal; dan
c. Nilai investasi barang modal yang dikeluarkan.
Discussion on capital goods investment realized in the last a. Type of capital goods investment;
financial year. b. The purpose of capital goods investment; and
c. The value of capital goods investment.
8. Informasi dan fakta material yang terjadi setelah tanggal 139
laporan akuntan (jika ada).
Information and material facts that occurred after the date of
the accountant’s report (if any).
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9. Prospek usaha dari Emiten atau Perusahaan Publik dikaitkan 123
dengan kondisi industri, ekonomi secara umum dan pasar
internasional disertai data pendukung kuantitatif dari sumber
data yang layak dipercaya.
The business prospects of Issuers or Public Companies
connected to industry conditions, the general economy
and international markets accompanied by quantitative
supporting data from reliable data sources.
10. Perbandingan antara target/proyeksi pada awal tahun buku a. Pendapatan/penjualan; 135
dengan hasil yang dicapai (realisasi). b. Laba (rugi);
c. Struktur modal (capital structure); atau
d. Hal lainnya yang dianggap penting bagi Emiten atau Perusahaan Publik.
Comparison between targets/projections at the beginning of a. Revenue/sales;
financial year and the results achieved (realization). b. Profit (loss);
c. Capital structure; or
d. Other matters deemed important by the Issuer or Public Company.
11. Target/proyeksi yang ingin dicapai Emiten atau Perusahaan a. Pendapatan/penjualan; 136
Publik untuk 1 (satu) tahun mendatang. b. Laba (rugi);
c. Struktur modal (capital structure);
d. Kebijakan dividen; atau
e. Hal lainnya yang dianggap penting bagi Emiten atau Perusahaan Publik.
Targets/projections to be achieved by the Issuer or Public a. Revenue/sales;
Company for the next 1 (one) year. b. Profit (loss);
c. Capital structure;
d. Dividend policy; or
e. Other matters deemed important by the Issuer or Public Company.
12. Aspek pemasaran atas barang dan/atau jasa Emiten 111, 112
atau Perusahaan Publik, paling sedikit mengenai strategi
pemasaran dan pangsa pasar.
Marketing aspects of the Issuer’s or Public Company’s goods
and/or services, at least regarding marketing strategy and
market share.
13. Uraian mengenai dividen selama 2 (dua) tahun buku terakhir. a. Kebijakan dividen, antara lain memuat informasi persentase jumlah dividen yang 139
dibagikan terhadap laba bersih;
b. Tanggal pembayaran dividen kas dan/atau tanggal distribusi dividen non kas;
c. Jumlah dividen per saham (kas dan/atau non kas); dan
d. Jumlah dividen per tahun yang dibayar.
Pengungkapan informasi dapat disajikan dalam bentuk tabel. Dalam hal Emiten atau
Perusahaan Publik tidak membagikan dividen dalam 2 (dua) tahun terakhir, maka
diungkapkan mengenai hal tersebut.
Description of dividends for the last 2 (two) financial years. a. Dividend policy, including information on the percentage of the amount of
dividends distributed to net profit;
b. Cash dividend payment date and/or non-cash dividend distribution date;
c. Total dividend per share (cash and/or non-cash); and
d. The amount of dividends per year paid.
Disclosure of information can be presented in tabular form. In the event that the
Issuer or Public Company has not distributed dividends in the last 2 (two) years,
this shall be disclosed.
14. Realisasi penggunaan dana hasil penawaran umum. a. Dalam hal selama tahun buku, Emiten memiliki kewajiban menyampaikan 139
laporan realisasi penggunaan dana, maka diungkapkan realisasi penggunaan
dana hasil penawaran umum secara kumulatif sampai dengan akhir tahun buku;
dan
b. Dalam hal terdapat perubahan penggunaan dana sebagaimana diatur dalam
Peraturan Otoritas Jasa Keuangan mengenai laporan realisasi penggunaan
dana hasil penawaran umum, maka Emiten menjelaskan perubahan tersebut.
Realization of the use of proceeds from the public offering. a. In the event that during the financial year, the Issuer has an obligation to submit
a report on the realization of use of proceeds, then the cumulative realization of
the use of proceeds from the public offering until the end of the financial year
shall be disclosed; and
b. In the event that there is a change in the use of proceeds as stipulated in the
Financial Services Authority Regulation regarding the report on realization of
use of proceeds from a public offering, the Issuer shall explain such change.
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15. Informasi material (jika ada), antara lain mengenai investasi, a. Tanggal, nilai, dan objek transaksi; 140
ekspansi, divestasi, penggabungan/peleburan usaha, akuisisi, b. Nama pihak yang melakukan transaksi;
restrukturisasi utang/modal, transaksi material, transaksi c. Sifat hubungan afiliasi (jika ada);
afiliasi, dan transaksi benturan kepentingan, yang terjadi pada d. Penjelasan mengenai kewajaran transaksi;
tahun buku. e. Pemenuhan ketentuan terkait; dan
f. Dalam hal terdapat hubungan afiliasi, selain mengungkapkan informasi
sebagaimana dimaksud dalam huruf a) sampai dengan huruf e), emiten atau
perusahaan publik juga mengungkapkan informasi:
1) Pernyataan direksi bahwa transaksi afiliasi telah melalui prosedur yang
memadai untuk memastikan bahwa transaksi afiliasi dilaksanakan sesuai
dengan praktik bisnis yang berlaku umum antara lain dilakukan dengan
memenuhi prinsip transaksi yang wajar (armslength principle); dan
2) Peran dewan komisaris dan komite audit dalam melakukan prosedur yang
memadai untuk memastikan bahwa transaksi afiliasi dilaksanakan sesuai
dengan praktik bisnis yang berlaku umum antara lain dilakukan dengan
memenuhi prinsip transaksi yang wajar (armslength principle);
g. Untuk transaksi afiliasi atau transaksi material yang merupakan kegiatan usaha
yang dijalankan dalam rangka menghasilkan pendapatan usaha dan dijalankan
secara rutin, berulang, dan/atau berkelanjutan, ditambahkan penjelasan bahwa
transaksi afiliasi atau transaksi material tersebut merupakan kegiatan usaha
yang dijalankan dalam rangka menghasilkan pendapatan usaha dan dijalankan
secara rutin, berulang, dan/atau berkelanjutan;
Dalam hal transaksi afiliasi atau transaksi material dimaksud telah diungkapkan
dalam laporan keuangan tahunan, ditambahkan informasi mengenai rujukan
pengungkapan dalam laporan keuangan tahunan tersebut.
h. Untuk pengungkapan transaksi afiliasi dan/atau transaksi benturan kepentingan
yang merupakan hasil pelaksanaan transaksi afiliasi dan/atau transaksi benturan
kepentingan yang telah disetujui pemegang saham independen, ditambahkan
informasi mengenai tanggal pelaksanaan rups yang menyetujui transaksi afiliasi
dan/atau transaksi benturan kepentingan tersebut; dan
i. Dalam hal tidak terdapat transaksi afiliasi dan/atau transaksi benturan
kepentingan, maka diungkapkan mengenai hal tersebut.
Material information (if any), including investment, expansion, a. Transaction date, value, and object;
divestment, business merger/consolidation, acquisition, b. The name of the party making the transaction;
debt/capital restructuring, material transactions, affiliate c. Nature of affiliate relationship (if any);
transactions, and conflict of interest transactions, which d. Explanation of the fairness of transaction;
occurred in the financial year. e. Fulfillment of related provisions; and
f. In the event that there is an affiliation relationship, apart from disclosing the
information referred to in letter a) through letter e), the issuer or public company
shall also disclose information on:
1) The statement of the board of directors that the affiliated transactions
have gone through adequate procedures to ensure that the affiliated
transactions are carried out in accordance with the generally accepted
business practices, among others, conducted according to fair transaction
principles (arm’s length principle); and
2) The role of the board of commissioners and audit committee in carrying out
adequate procedures to ensure that the affiliated transactions are carried
out in accordance with the generally accepted business practices, among
others, conducted according to fair transaction principles (arm’s length
principle);
g. For affiliate transactions or material transactions which are business activities
carried out in order to generate business income and are carried out routinely,
repeatedly, and/or continuously, an explanation is added that the affiliated
transactions or material transactions are business activities carried out in
order to generate business income and are carried out routinely, repeatedly,
and/or continuously; In the event that the affiliated transactions or material
transactions referred to have been disclosed in the annual financial statements,
information is added regarding references to disclosure in the said annual
financial statements.
h. For disclosure of affiliated transactions and/or conflict of interest transactions
which are the result of executing affiliated transactions and/or conflict of
interest transactions that have been approved by independent shareholders,
information is added regarding the date of the GMS that approves the said
affiliated transactions and/or conflict of interest transactions; and
i. In the event that there are no affiliated transactions and/or conflict of interest
transactions, this shall be disclosed.
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16. Perubahan ketentuan peraturan perundang-undangan yang 147
berpengaruh signifikan terhadap Emiten atau Perusahaan
Publik dan dampaknya terhadap laporan keuangan (jika ada).
Amendments to provisions of laws and regulations that have
a significant impact on the Issuer or Public Company and the
impact on the financial statements (if any).
17. Perubahan kebijakan akuntansi, alasan dan dampaknya 149
terhadap laporan keuangan (jika ada).
Changes to accounting policies, reasons, and their impact on
financial statements (if any).
Tata Kelola Emiten atau Perusahaan Publik
Governance of Issuers or Public Companies
1. Rapat Umum Pemegang Saham (RUPS). a. Informasi mengenai keputusan RUPS pada tahun buku dan 1 (satu) tahun 169
sebelum tahun buku meliputi:
1) keputusan RUPS pada tahun buku dan 1 (satu) tahun sebelum tahun buku
yang direalisasikan pada tahun buku; dan
2) keputusan RUPS pada tahun buku dan 1 (satu) tahun sebelum tahun buku
yang belum direalisasikan beserta alasan belum direalisasikan;
b. Dalam hal Emiten atau Perusahaan Publik menggunakan pihak independen
dalam pelaksanaan RUPS untuk melakukan perhitungan suara, maka
diungkapkan mengenai hal tersebut.
General Meeting of Shareholders (GMS). a. Information regarding GMS resolutions in the financial year and 1 (one) year
before the financial year that includes:
1) GMS resolutions in the financial year and 1 (one) year prior to the financial
year realized in the financial year; and
2) GMS resolutions in the financial year and 1 (one) year prior to the financial
year which have not been realized and the reasons for not being realized;
b. In the event that an Issuer or Public Company uses an independent party in the
implementation of the GMS to count the votes, this matter shall be disclosed.
2. Direksi. a. Tugas dan tanggung jawab masing-masing anggota Direksi; Informasi mengenai 179
tugas dan tanggung jawab masing-masing anggota Direksi diuraikan dan dapat
disajikan dalam bentuk tabel;
b. Pernyataan bahwa Direksi memiliki pedoman atau piagam (charter) Direksi;
c. Kebijakan dan pelaksanaan frekuensi rapat Direksi, rapat Direksi bersama
Dewan Komisaris, dan tingkat kehadiran anggota Direksi dalam rapat tersebut
termasuk kehadiran dalam RUPS; Informasi tingkat kehadiran anggota Direksi
dalam rapat Direksi, rapat Direksi bersama Dewan Komisaris, atau RUPS dapat
disajikan dalam bentuk tabel.
d. Pelatihan dan/atau peningkatan kompetensi anggota Direksi:
1) Kebijakan pelatihan dan/atau peningkatan kompetensi anggota Direksi,
termasuk program orientasi bagi anggota Direksi yang baru diangkat (jika
ada); dan
2) Pelatihan dan/atau peningkatan kompetensi yang diikuti anggota Direksi
dalam tahun buku (jika ada);
e. Penilaian Direksi terhadap kinerja komite yang mendukung pelaksanaan tugas
Direksi pada tahun buku paling sedikit memuat:
1) Prosedur penilaian kinerja; dan
2) Kriteria yang digunakan seperti capaian kinerja selama tahun buku,
kompetensi dan kehadiran dalam rapat; dan
f. Dalam hal Emiten atau Perusahaan Publik tidak memiliki komite yang mendukung
pelaksanaan tugas Direksi, maka diungkapkan mengenai hal tersebut.
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Board of Directors. a. Duties and responsibilities of each member of the Board of Directors;
Information regarding the duties and responsibilities of each member of the
Board of Directors is described and can be presented in tabular form;
b. Statement that the Board of Directors has Board of Directors guidelines or
charter;
c. Policy and frequency of Board of Directors’ meetings, Board of Directors’ joint
meetings with the Board of Commissioners, and the attendance level of Board
of Directors’ members at these meetings including attendance at the GMS;
Information on the attendance level of Board of Directors’ members at Board
of Directors’ meetings, Board of Directors’ joint meetings with the Board of
Commissioners, or the GMS can be presented in tabular form.
d. Training and/or competency development for Board of Directors’ members:
1) Policy on training and/or competency development for Board of Directors’
members, including an orientation program for newly appointed members
of the Board of Directors (if any); and
2) Training and/or competency development programs attended by the
Board of Directors’ members in the financial year (if any);
e. The Board of Directors’ assessment of the performance of committees that
support the implementation of Board of Directors’ duties in the financial year
that contains at least:
1) Performance assessment procedures; and
2) The criteria used such as performance achievements during the financial
year, competence, and attendance at meetings; and
f. In the event that the Issuer or Public Company does not have a committee
that supports the implementation of Board of Directors’ duties, this shall be
disclosed.
3. Dewan Komisaris. a. Tugas dan tanggung jawab Dewan Komisaris; 172
b. Pernyataan bahwa Dewan Komisaris memiliki pedoman atau piagam (charter)
Dewan Komisaris;
c. Kebijakan dan pelaksanaan frekuensi rapat Dewan Komisaris, rapat Dewan
Komisaris bersama Direksi dan tingkat kehadiran anggota Dewan Komisaris
dalam rapat tersebut termasuk kehadiran dalam RUPS;
Informasi tingkat kehadiran anggota Dewan Komisaris dalam rapat Dewan
Komisaris, rapat Dewan Komisaris bersama Direksi, atau RUPS dapat disajikan
dalam bentuk tabel.
d. Pelatihan dan/atau peningkatan kompetensi anggota Dewan Komisaris:
1) Kebijakan pelatihan dan/atau peningkatan kompetensi anggota Dewan
Komisaris, termasuk program orientasi bagi anggota Dewan Komisaris yang
baru diangkat (jika ada); dan
2) Pelatihan dan/atau peningkatan kompetensi yang diikuti anggota Dewan
Komisaris dalam tahun buku (jika ada);
e. Penilaian kinerja Direksi dan Dewan Komisaris serta masing-masing anggota
Direksi dan anggota Dewan Komisaris, paling sedikit memuat:
1) Prosedur pelaksanaan penilaian kinerja;
2) Kriteria yang digunakan seperti capaian kinerja selama tahun buku,
kompetensi dan kehadiran dalam rapat; dan
3) Pihak yang melakukan penilaian; dan
f. Penilaian Dewan Komisaris terhadap kinerja Komite yang mendukung
pelaksanaan tugas Dewan Komisaris pada tahun buku meliputi:
1) Prosedur penilaian kinerja; dan
2) Kriteria yang digunakan seperti capaian kinerja selama tahun buku,
kompetensi dan kehadiran dalam rapat.
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Board of Commissioners. a. Duties and responsibilities of the Board of Commissioners;
b. Statement that the Board of Commissioners has Board of Commissioners
guidelines or charter;
c. Policy and frequency of Board of Commissioners’ meetings, Board of
Commissioners’ joint meetings with the Board of Directors, and the attendance
level of Board of Commissioners’ members at these meetings including
attendance at the GMS;
Information on the attendance level of Board of Commissioners’ members
at Board of Commissioners’ meetings, meetings between the Board of
Commissioners and the Board of Directors, or the GMS can be presented in
tabular form.
d. Training and/or competency development for Board of Commissioners’
members:
1) Policy on training and/or competency development for Board of
Commissioners’ members, including an orientation program for newly
appointed members of the Board of Commissioners (if any); and
2) Training and/or competency development programs attended by the
Board of Commissioners’ members in the financial year (if any);
e. Assessment of the Board of Directors’ performance and the Board of
Commissioners as well as of each member of the Board of Directors and the
Board of Commissioners, that contains at least:
1) Performance assessment procedures
2) The criteria used such as performance achievements during the financial
year, competence, and attendance at meetings; and
3) The assessor; and
f. The Board of Commissioners’ assessment of the performance of Committees
that support the implementation of Board of Commissioners’ duties in the
financial year that contains at least:
1) Performance assessment procedures; and
2) The criteria used such as performance achievements during the financial
year, competence, and attendance at meetings.
4. Nominasi dan remunerasi Direksi dan Dewan Komisaris. a. Prosedur nominasi, meliputi uraian singkat mengenai kebijakan dan proses 196
nominasi anggota Direksi dan/atau anggota Dewan Komisaris; dan
b. Prosedur dan pelaksanaan remunerasi Direksi dan Dewan Komisaris, antara lain:
1) Prosedur penetapan remunerasi Direksi dan Dewan Komisaris;
2) Struktur remunerasi Direksi dan Dewan Komisaris seperti, gaji, tunjangan,
tantiem/bonus dan lainnya; dan
3) Besarnya remunerasi masing-masing anggota Direksi dan anggota Dewan
Komisaris;
Pengungkapan informasi dapat disajikan dalam bentuk tabel.
Nomination and remuneration of the Board of Directors and a. Nomination procedures, including a brief description of the policies and
Board of Commissioners. nomination process for members of the Board of Directors and/or members of
the Board of Commissioners; and
b. Procedures and implementation of remuneration for the Board of Directors and
Board of Commissioners, including:
1) Procedures for determining remuneration for the Board of Directors and
Board of Commissioners;
2) Remuneration structure for the Board of Directors and Board of
Commissioners such as salaries, allowances, tantiem/bonuses, and others;
and
3) Remuneration amount for each member of the Board of Directors and
members of the Board of Commissioners;
Disclosure of information can be presented in tabular form.
5. Dewan pengawas syariah, bagi Emiten atau Perusahaan a. Nama; N/A
Publik yang menjalankan kegiatan usaha berdasarkan prinsip b. Dasar hukum pengangkatan dewan pengawas syariah;
syariah sebagaimana tertuang dalam anggaran Dasar. c. Periode penugasan dewan pengawas syariah;
d. Tugas dan tanggung jawab dewan pengawas syariah; dan
e. Frekuensi dan cara pemberian nasihat dan saran serta pengawasan pemenuhan
prinsip syariah di pasar modal terhadap emiten atau perusahaan publik.
Sharia supervisory board, for Issuers or Public Companies a. Name;
that carry out business activities based on sharia principles as b. The legal basis of appointment of the sharia supervisory board;
stated in the articles of association. c. The assignment period of the sharia supervisory board;
d. The duties and responsibilities of the sharia supervisory board; and
e. Frequency and method of providing advice and suggestions as well as
supervising compliance with sharia principles in the capital market applicable
to issuers or public companies.
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6. Komite Audit. a. Nama dan jabatannya dalam keanggotaan komite; 213
b. Usia;
c. Kewarganegaraan;
d. Riwayat pendidikan;
e. Riwayat jabatan, meliputi informasi:
1) Dasar hukum penunjukan sebagai anggota komite;
2) Rangkap jabatan, baik sebagai anggota dewan komisaris, anggota direksi,
dan/atau anggota komite serta jabatan lainnya (jika ada); dan
3) Pengalaman kerja beserta periode waktunya baik di dalam maupun di luar
emiten atau perusahaan publik;
f. Periode dan masa jabatan anggota komite audit;
g. Pernyataan independensi komite audit;
h. Pelatihan dan/atau peningkatan kompetensi yang telah diikuti dalam tahun
buku (jika ada);
i. Kebijakan dan pelaksanaan frekuensi rapat komite audit dan tingkat kehadiran
anggota komite audit dalam rapat tersebut; dan
j. Pelaksanaan kegiatan komite audit pada tahun buku sesuai dengan yang
dicantumkan dalam pedoman atau piagam (charter) komite audit.
Audit Committee. a. Name and position in committee;
b. Age;
c. Citizenship;
d. Educational history;
e. Position history, including information on:
1) Legal basis of appointment as committee member;
2) Concurrent positions, as members of the board of commissioners, members
of the board of directors, and/or committee members and other positions (if
any); and
3) Work experience and time period inside and outside the issuer or public
company;
f. Period and term of audit committee members;
g. Audit committee independency statement;
h. Training and/or competency development programs attended in the financial
year (if any);
i. Policy and frequency of audit committee’s meetings and the attendance level of
audit committee’s members in these meetings; and
j. Implementation of audit committee activities in the financial year according to
what is stated in the audit committee guidelines or charter.
7. Komite atau fungsi nominasi dan remunerasi Emiten atau a. Nama dan jabatannya dalam keanggotaan komite; 208
Perusahaan Publik. b. Usia;
c. Kewarganegaraan;
d. Riwayat pendidikan;
e. Riwayat jabatan, meliputi informasi:
1) Dasar hukum penunjukan sebagai anggota komite;
2) Rangkap jabatan, baik sebagai anggota dewan komisaris, anggota direksi,
dan/atau anggota komite serta jabatan lainnya (jika ada); dan
3) Pengalaman kerja beserta periode waktunya baik di dalam maupun di luar
emiten atau perusahaan publik;
f. Periode dan masa jabatan anggota komite;
g. Pernyataan independensi komite;
h. Pelatihan dan/atau peningkatan kompetensi yang telah diikuti dalam tahun
buku (jika ada);
i. Uraian tugas dan tanggung jawab;
j. Pernyataan bahwa telah memiliki pedoman atau piagam (charter);
k. Kebijakan dan pelaksanaan frekuensi rapat dan tingkat kehadiran anggota
dalam rapat tersebut;
l. Uraian singkat pelaksanaan kegiatan pada tahun buku; dan
m. Dalam hal tidak dibentuk komite nominasi dan remunerasi, emiten atau
perusahaan publik cukup mengungkapkan informasi sebagaimana dimaksud
dalam huruf i) sampai dengan huruf l) dan mengungkapkan:
1) Alasan tidak dibentuknya komite; dan
2) Pihak yang melaksanakan fungsi nominasi dan remunerasi.
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Nomination and remuneration committee or function of Issuer a. Name and position in committee;
or Public Company. b. Age;
c. Citizenship;
d. Educational history;
e. Position history, including information on:
1) Legal basis of appointment as committee member;
2) Concurrent positions, as members of the board of commissioners, members
of the board of directors, and/or committee members and other positions (if
any); and
3) Work experience and time period inside and outside the issuer or public
company;
f. Period and term of committee members;
g. Committee independency statement;
h. Training and/or competency development programs attended in the financial
year (if any);
i. Description of duties and responsibilities;
j. Statement that the committee already has a guideline or charter;
k. Policy and frequency of meetings and the attendance level of members at the
meetings;
l. A brief description of the implementation of activities in the financial year; and
m. In the event that a nomination and remuneration committee is not formed, it is
sufficient for the issuer or public company to disclose the information referred
to in letter i) to letter l) and disclose:
1) The reasons for not forming the committee; and
2) Party carrying out nomination and remuneration functions.
8. Komite lain yang dimiliki Emiten atau Perusahaan Publik dalam a. Nama dan jabatannya dalam keanggotaan komite; 202, 217
rangka mendukung fungsi dan tugas Direksi (jika ada) dan/atau b. Usia;
komite yang mendukung fungsi dan tugas Dewan Komisaris. c. Kewarganegaraan;
d. Riwayat pendidikan;
e. Riwayat jabatan, meliputi informasi:
1) Dasar hukum penunjukan sebagai anggota komite;
2) Rangkap jabatan, baik sebagai anggota dewan komisaris, anggota direksi,
dan/atau anggota komite serta jabatan lainnya (jika ada); dan
3) Pengalaman kerja beserta periode waktunya baik di dalam maupun di luar
emiten atau perusahaan publik;
f. Periode dan masa jabatan anggota komite;
g. Pernyataan independensi komite;
h. Pelatihan dan/atau peningkatan kompetensi yang telah diikuti dalam tahun
buku (jika ada); dan
i. Uraian tugas dan tanggung jawab;
j. Pernyataan bahwa telah memiliki pedoman atau piagam (charter) komite;
k. Kebijakan dan pelaksanaan frekuensi rapat komite dan tingkat kehadiran
anggota komite dalam rapat tersebut; dan
l. Uraian singkat pelaksanaan kegiatan komite pada tahun buku.
Other committees established by Issuers or Public Companies a. Name and position in committee;
in order to support the Board of Directors’ functions and b. Age;
duties (if any) and/or committees that support the Board of c. Citizenship;
Commissioners’ functions and duties. d. Educational history;
e. Position history, including information on:
1) Legal basis of appointment as committee member;
2) Concurrent positions, as members of the board of commissioners,
members of the board of directors, and/or committee members and other
positions (if any); and
3) Work experience and time period inside and outside the issuer or public
company;
f. Period and term of committee members;
g. Committee independency statement;
h. Training and/or competency development programs attended in the financial
year (if any); and
i. Description of duties and responsibilities;
j. Statement that the committee already has a guideline or charter;
k. Policy and frequency of committee’s meetings and the attendance level of
committee members at meetings; and
l. A brief description of the implementation of committee’s activities in the
financial year.
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9. Sekretaris Perusahaan. a. Nama; 232
b. Domisili;
c. Riwayat jabatan, meliputi:
1) Dasar hukum penunjukan sebagai sekretaris perusahaan; dan
2) Pengalaman kerja beserta periode waktunya baik di dalam maupun di luar
emiten atau perusahaan publik;
d. Riwayat pendidikan;
e. Pelatihan dan/atau peningkatan kompetensi yang diikuti dalam tahun buku; dan
f. Uraian singkat pelaksanaan tugas sekretaris perusahaan pada tahun buku.
Corporate Secretary. a. Name;
b. Domicile;
c. Position history, including:
1) Legal basis of appointment as corporate secretary; and
2) Work experience and time period inside and outside the issuer or public
company;
d. Educational history;
e. Training and/or competency development programs attended in the financial
year; and
f. Brief description of the implementation of corporate secretary’s duties in the
financial year.
10. Unit Audit Internal. a. Nama kepala unit audit internal; 235
b. Riwayat jabatan, meliputi:
1) Dasar hukum penunjukan sebagai kepala unit audit internal; dan
2) Pengalaman kerja beserta periode waktunya baik di dalam maupun di luar
emiten atau perusahaan publik;
c. Kualifikasi atau sertifikasi sebagai profesi audit internal (jika ada);
d. Pelatihan dan/atau peningkatan kompetensi yang diikuti dalam tahun buku;
e. Struktur dan kedudukan unit audit internal;
f. Uraian tugas dan tanggung jawab;
g. Pernyataan bahwa telah memiliki pedoman atau piagam (charter) unit audit
internal; dan
h. Uraian singkat pelaksanaan tugas unit audit internal pada tahun buku termasuk
kebijakan dan pelaksanaan frekuensi rapat dengan direksi, dewan komisaris,
dan/atau komite audit.
Internal Audit Unit. a. Name of the head of internal audit unit;
b. Position history, including:
1) Legal basis of appointment as head of internal audit unit; and
2) Work experience and time period inside and outside the issuer or public
company;
c. Qualification or certification for internal audit profession (if any);
d. Training and/or competency development programs attended in the financial
year;
e. The structure and position of the internal audit unit;
f. Description of duties and responsibilities;
g. Statement that the internal audit unit already has a guideline or charter; and
h. A brief description of the implementation of internal audit unit’s duties in the
financial year including the policies and frequency of meetings with the board
of directors, board of commissioners, and/or audit committee.
11. Uraian mengenai sistem pengendalian internal (internal a. Pengendalian keuangan dan operasional, serta kepatuhan terhadap peraturan 241
control) yang diterapkan oleh Emiten atau Perusahaan Publik. perundang-undangan lainnya;
b. Tinjauan atas efektivitas sistem pengendalian internal; dan
c. Pernyataan direksi dan/atau dewan komisaris atas kecukupan sistem
pengendalian internal.
Description of internal control system implemented by Issuers a. Financial and operational control, as well as compliance with other laws and
or Public Companies. regulations;
b. Review of the effectiveness of internal control system; and
c. Statement of the board of directors and/or board of commissioners on the
adequacy of the internal control system.
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12. Sistem manajemen risiko yang diterapkan oleh Emiten atau a. Gambaran umum mengenai sistem manajemen risiko Emiten atau Perusahaan 301
Perusahaan Publik. Publik;
b. Jenis risiko dan cara pengelolaannya;
c. Tinjauan atas efektivitas sistem manajemen risiko Emiten atau Perusahaan
Publik; dan
d. Pernyataan Direksi dan/atau Dewan Komisaris atau komite audit atas kecukupan
sistem manajemen risiko.
Risk management system implemented by Issuers or Public a. General description of the Issuer’s or Public Company’s risk management
Companies. system;
b. Types of risks and how to manage them;
c. Review of the effectiveness of the Issuer’s or Public Company’s risk management
system; and
d. Statement of the Board of Directors and/or Board of Commissioners or the audit
committee on the adequacy of the risk management system.
13. Perkara hukum yang berdampak material yang dihadapi oleh a. Pokok perkara/gugatan; 250
Emiten atau Perusahaan Publik, entitas anak, anggota Direksi b. Status penyelesaian perkara/gugatan; dan
dan anggota Dewan Komisaris (jika ada). c. Pengaruhnya terhadap kondisi emiten atau perusahaan Publik.
Legal cases with material impacts faced by Issuers or Public a. Case profile/lawsuit;
Companies, subsidiaries, members of the Board of Directors, b. The settlement status of the case/lawsuit; and
and members of the Board of Commissioners (if any). c. The impact on the issuers or public companies’ condition.
14. Informasi tentang sanksi administratif/sanksi yang dikenakan 252
kepada Emiten atau Perusahaan Publik, anggota Dewan
Komisaris dan anggota Direksi, oleh Otoritas Jasa Keuangan
dan otoritas lainnya pada tahun buku (jika ada).
Information on administrative sanctions/sanctions imposed
on Issuers or Public Companies, members of the Board of
Commissioners. and members of the Board of Directors, by
the Financial Services Authority and other authorities in the
financial year (if any).
15. Informasi mengenai kode etik Emiten atau Perusahaan Publik. a. Pokok-pokok kode etik; 257
b. Bentuk sosialisasi kode etik dan upaya penegakannya; dan
c. Pernyataan bahwa kode etik berlaku bagi anggota direksi, anggota Dewan
Komisaris, dan karyawan Emiten atau Perusahaan Publik.
Information regarding the code of conduct of Issuers or Public a. The principles of the code of conduct;
Companies. b. The form of dissemination of the code of conduct and efforts to enforce it; and
c. A statement that the code of conduct applies to members of the board of
directors, members of the board of commissioners, and employees of Issuers or
Public Companies.
16. Uraian singkat mengenai kebijakan pemberian kompensasi Dalam hal pemberian kompensasi berupa program kepemilikan saham oleh 260
jangka panjang berbasis kinerja kepada manajemen dan/atau manajemen (management stock ownership program/MSOP) dan/atau program
karyawan yang dimiliki oleh Emiten atau Perusahaan Publik kepemilikan saham oleh karyawan (employee stock ownership program/ESOP),
(jika ada), antara lain berupa program kepemilikan saham informasi yang diungkapkan paling sedikit memuat:
oleh manajemen (management stock ownership program/ a. Jumlah saham dan/atau opsi;
MSOP) dan/atau program kepemilikan saham oleh karyawan b. Jangka waktu pelaksanaan;
(employee stock ownership program/ESOP). c. Persyaratan karyawan dan/atau manajemen yang berhak; dan
d. Harga pelaksanaan atau penentuan harga pelaksanaan.
A brief description of the policy of providing performance- In terms of providing compensation in the form of management stock ownership
based long-term compensation to management and/or program (MSOP) and/or employee stock ownership program (ESOP), the information
employees owned by Issuers or Public Companies (if any), disclosed shall contain at least:
including but not limited to management stock ownership a. Number of shares and/or options;
program (MSOP) and/or employee stock ownership program b. Implementation period;
(ESOP). c. Requirements for eligible employee and/or management; and
d. Execution price or determination of execution price.
17. Uraian singkat mengenai kebijakan pengungkapan informasi. a. Kepemilikan saham anggota Direksi dan anggota Dewan Komisaris paling 260
lambat 3 (tiga) hari kerja setelah terjadinya kepemilikan atau setiap perubahan
kepemilikan atas saham Perusahaan Terbuka; dan
b. Pelaksanaan atas kebijakan dimaksud.
A brief description of the information disclosure policy. a. Share ownership of members of the Board of Directors and members of the
Board of Commissioners no later than 3 (three) working days after the ownership
or any change in ownership of the Public Company’s shares; and
b. Implementation of the said policy.
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Kriteria Penjelasan Halaman
Criteria Explanation Page
18. Uraian mengenai sistem pelaporan pelanggaran a. Cara penyampaian laporan pelanggaran; 263
(whistleblowing system) di Emiten atau Perusahaan Publik. b. Perlindungan bagi pelapor;
c. Penanganan pengaduan;
d. Pihak yang mengelola pengaduan; dan
e. Hasil dari penanganan pengaduan, paling sedikit:
1) Jumlah pengaduan yang masuk dan diproses dalam tahun buku; dan
2) Tindak lanjut pengaduan.
Dalam hal Emiten atau Perusahaan Publik tidak memiliki sistem pelaporan
pelanggaran (whistleblowing system), maka diungkapkan mengenai hal tersebut.
Description of the violation reporting system (whistleblowing a. Method of submission of violation reports;
system) in Issuers or Public Companies. b. Protection for reporters;
c. How to handle the complaints;
d. Parties who manage complaints; and
e. The results of handling complaints, at least:
1) Number of complaints received and processed in the financial year; and
2) The complaint follow-up.
In the event that the Issuer or Public Company does not have a violation reporting
system (whistleblowing system), then this matter shall be disclosed.
19. Uraian mengenai kebijakan anti korupsi Emiten atau a. Program dan prosedur yang dilakukan dalam mengatasi praktik korupsi, balas 261
Perusahaan Publik. jasa (kickbacks), fraud, suap dan/atau gratifikasi dalam Emiten atau Perusahaan
Publik; dan
b. Pelatihan/sosialisasi anti korupsi kepada karyawan Emiten atau Perusahaan
Publik.
Dalam hal Emiten atau Perusahaan Publik tidak memiliki kebijakan anti korupsi, maka
dijelaskan alasan tidak dimilikinya kebijakan dimaksud.
Description of the Issuer’s or Public Company’s anti- a. Programs and procedures carried out in overcoming corrupt practices,
corruption policy. remuneration (kickbacks), fraud, bribes, and/or gratuities in Issuers or Public
Companies; and
b. Anti-corruption training/dissemination for employees of Issuers or Public
Companies.
If the Issuer or Public Company does not have an anti-corruption policy, the
reasons for not having such a policy shall be explained.
20. Penerapan atas pedoman tata kelola Perusahaan Terbuka a. Pernyataan mengenai rekomendasi yang telah dilaksanakan; dan/atau 267
bagi Emiten yang menerbitkan efek bersifat ekuitas atau b. Penjelasan atas rekomendasi yang belum dilaksanakan, disertai alasan dan
Perusahaan Publik. alternatif pelaksanaannya (jika ada).
Pengungkapan informasi dapat disajikan dalam bentuk tabel.
Implementation of Public Company governance guidelines for a. Statement regarding recommendations that have been implemented; and/or
Issuers that issue equity securities or Public Companies. b. Explanation of recommendations that have not been implemented,
accompanied by reasons and alternatives for implementation (if any).
Disclosure of information can be presented in tabular form.
Tanggung Jawab Sosial dan Lingkungan Emiten atau Perusahaan Publik
Social and Environmental Responsibility of Issuers or Public Companies
1. Informasi yang diungkapkan dalam bagian tanggung jawab a. Penjelasan strategi keberlanjutan; 394
sosial dan lingkungan merupakan Laporan Keberlanjutan b. Ikhtisar aspek keberlanjutan (ekonomi, sosial, dan lingkungan hidup);
(Sustainability Report) sebagaimana dimaksud dalam c. Profil singkat emiten atau perusahaan publik;
Peraturan Otoritas Jasa Keuangan No. 51/POJK.03/2017 d. Penjelasan direksi;
tentang Penerapan Keuangan Berkelanjutan bagi Lembaga e. Tata kelola keberlanjutan;
Jasa Keuangan, Emiten, dan Perusahaan Publik. f. Kinerja keberlanjutan;
g. Verifikasi tertulis dari pihak independen, jika ada;
h. Lembar umpan balik (feedback) untuk pembaca, jika ada; dan
i. Tanggapan emiten atau perusahaan publik terhadap umpan balik laporan tahun
sebelumnya.
The information disclosed in the social and environmental a. Explanation of sustainability strategy;
responsibility section is a Sustainability Report as referred b. An overview of sustainability aspects (economic, social, and environmental);
to in the Financial Services Authority Regulation No. 51/ c. Brief profile of the issuer or public company;
POJK.03/2017 on Implementation of Sustainable Finance for d. Explanation from the board of directors;
Financial Services Institutions, Issuers, and Public Companies. e. Sustainability governance;
f. Sustainability performance;
g. Written verification from an independent party, if any;
h. Feedback form for readers, if any; and
i. The issuer or public company’s response to the previous year’s report feedback.
458 PT Bank Victoria International Tbk | Laporan Tahunan dan Keberlanjutan 2024 Annual and Sustainability Report
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Kriteria Penjelasan Halaman
Criteria Explanation Page
2. Laporan Keberlanjutan sebagaimana dimaksud pada angka 1), √
harus disusun sesuai Pedoman Teknis Penyusunan Laporan
Keberlanjutan (Sustainability Report) Bagi Emiten dan
Perusahaan Publik sebagaimana tercantum dalam Lampiran
II yang merupakan bagian tidak terpisahkan dari Surat Edaran
Otoritas Jasa Keuangan ini.
The Sustainability Report as referred to in number 1), must
be prepared in accordance with the Technical Guidelines
for Preparing Sustainability Reports For Issuers and Public
Companies as listed in Appendix II which is an integral part of
this Financial Services Authority Circular.
3. Informasi Laporan Keberlanjutan (Sustainability Report) pada a. Diungkapkan pada bagian lain yang relevan di luar bagian tanggung jawab √
angka 1) dapat: sosial dan lingkungan, seperti penjelasan Direksi terkait Laporan Keberlanjutan
diungkapkan dalam bagian terkait Laporan Direksi; dan/atau
b. Merujuk pada bagian lain di luar bagian tanggung jawab sosial dan lingkungan
dengan tetap mengacu pada Pedoman Teknis Penyusunan Laporan
Keberlanjutan (Sustainability Report) Bagi Emiten dan Perusahaan Publik
sebagaimana tercantum dalam Lampiran II yang merupakan bagian tidak
terpisahkan dari Surat Edaran Otoritas Jasa Keuangan ini, seperti profil Emiten
atau Perusahaan Publik.
Sustainability Report information in number 1) can: a. Be disclosed in other relevant sections outside the social and environmental
responsibility section, such as the Board of Directors’ explanation regarding the
Sustainability Report is disclosed in the related section of the Board of Directors’
Report; and/or
b. Refer to other sections outside the social and environmental responsibility
section while still referring to the Technical Guidelines for Preparing
Sustainability Report For Issuers and Public Companies as listed in Appendix II
which is an integral part of this Financial Services Authority Circular, such as the
profile of the Issuer or Public Company.
4. Laporan Keberlanjutan (Sustainability Report) sebagaimana √
dimaksud pada angka 1) merupakan bagian yang tidak
terpisahkan dari Laporan Tahunan namun dapat disajikan
secara terpisah dengan Laporan Tahunan.
Sustainability Report as referred to in number 1) is an integral
part of the Annual Report but can be presented separately
from the Annual Report.
5. Dalam hal Laporan Keberlanjutan disajikan secara terpisah a. Memuat seluruh informasi sebagaimana dimaksud pada angka 1); dan √
dengan Laporan Tahunan, informasi yang diungkapkan dalam b. Disusun sesuai Pedoman Teknis Penyusunan Laporan Keberlanjutan
Laporan Keberlanjutan dimaksud harus: (Sustainability Report) Bagi Emiten dan Perusahaan Publik sebagaimana
tercantum dalam Lampiran II yang merupakan bagian tidak terpisahkan dari
Surat Edaran Otoritas Jasa Keuangan ini.
In the event that the Sustainability Report is presented a. Contain all the information referred to in number 1); and
separately from the Annual Report, the information disclosed b. Be prepared according to Technical Guidelines for Preparing Sustainability
in the Sustainability Report must: Report for Issuers and Public Companies as listed in Appendix II which is an
integral part of this Financial Services Authority Circular.
6. Dalam hal Laporan Keberlanjutan disajikan secara terpisah -
dengan Laporan Tahunan, maka dalam bagian tanggung
jawab sosial dan lingkungan memuat informasi bahwa
informasi mengenai tanggung jawab sosial dan lingkungan
telah diungkapkan dalam Laporan Keberlanjutan yang
disajikan secara terpisah dari Laporan Tahunan.
In the event that the Sustainability Report is presented
separately from the Annual Report, then the social and
environmental responsibility section contains information that
information regarding social and environmental responsibility
has been disclosed in the Sustainability Report which is
presented separately from the Annual Report.
7. Penyampaian Laporan Keberlanjutan (Sustainability Report) -
yang disajikan secara terpisah dengan Laporan Tahunan
harus disampaikan bersamaan dengan penyampaian Laporan
Tahunan.
Submission of Sustainability Report presented separately
from the Annual Report must be submitted together with the
submission of the Annual Report.
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Kriteria Penjelasan Halaman
Criteria Explanation Page
Laporan Keuangan Tahunan yang Telah Diaudit
Audited Annual Financial Statements
Laporan keuangan tahunan yang dimuat dalam Laporan Tahunan 461
disusun sesuai dengan standar akuntansi keuangan di Indonesia
dan telah diaudit oleh akuntan publik yang terdaftar di Otoritas
Jasa Keuangan. Laporan keuangan tahunan dimaksud memuat
pernyataan mengenai pertanggungjawaban atas laporan
keuangan sebagaimana diatur dalam Peraturan Otoritas Jasa
Keuangan mengenai tanggung jawab Direksi atas laporan
keuangan atau peraturan perundang-undangan di sektor pasar
modal yang mengatur mengenai laporan berkala perusahaan efek
dalam hal Emiten merupakan perusahaan efek.
The annual financial statements included in the Annual Report
are prepared in accordance with Indonesian financial accounting
standards and have been audited by a public accountant
registered with the Financial Services Authority. The annual
financial statements contain a statement regarding accountability
for financial statements as stipulated in the Financial Services
Authority Regulation regarding the responsibility of the Board of
Directors for financial statements or laws and regulations in the
capital market sector which regulate periodic reports of securities
companies in the event that the Issuer is a securities company.
Surat Pernyataan Anggota Direksi dan Anggota Dewan Komisaris tentang Tanggung Jawab atas Laporan Tahunan
Statement of Members of the Board of Directors and Members of the Board of Commissioners regarding Responsibility for the Annual Report
Surat pernyataan anggota Direksi dan anggota Dewan Komisaris 50
tentang tanggung jawab atas Laporan Tahunan disusun sesuai
dengan format Surat Pernyataan Anggota Direksi dan Anggota
Dewan Komisaris tentang Tanggung Jawab atas Laporan Tahunan
sebagaimana tercantum dalam Lampiran I yang merupakan bagian
tidak terpisahkan dari Surat Edaran Otoritas Jasa Keuangan ini.
Statements of members of the Board of Directors and members
of the Board of Commissioners regarding responsibility for the
Annual Report are prepared in accordance with the format of
Statement Letters of Members of the Board of Directors and Board
of Commissioners regarding Responsibility for Annual Reports
as listed in Appendix I which is an integral part of this Financial
Services Authority Circular.
460 PT Bank Victoria International Tbk | Laporan Tahunan dan Keberlanjutan 2024 Annual and Sustainability Report
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Laporan Keuangan
Tanggal 31 Desember 2024
Financial Statements as of
31 December 2024
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Page 464
PT Bank Victoria International Tbk Laporan keuangan tanggal 31 Desember 2024 dan untuk tahun yang berakhir pada tanggal tersebut beserta laporan auditor independen/ Financial statements as of December 31, 2024 for the year ended with independent auditor’s report
Page 465
The original financial statements included herein are in
Indonesian language.
PT BANK VICTORIA INTERNATIONAL TBK PT BANK VICTORIA INTERNATIONAL TBK
LAPORAN KEUANGAN FINANCIAL STATEMENTS
TANGGAL 31 DESEMBER 2024 AS OF DECEMBER 31, 2024
DAN UNTUK TAHUN YANG BERAKHIR AND FOR THE YEAR ENDED
PADA TANGGAL TERSEBUT WITH INDEPENDENT AUDITOR’S REPORT
BESERTA LAPORAN AUDITOR INDEPENDEN
Daftar Isi Table of Contents
Halaman/
Page
Surat Pernyataan Direksi Statement Letter of the Board of Directors
Laporan Auditor Independen Independent Auditor’s Reports
Laporan Posisi Keuangan ............................................. 1-3 ...............................Statements of Financial Position
Laporan Laba Rugi dan ................................................ ...............................Statements of Profit or Loss and
Penghasilan Komprehensif Lain ................................ 4-5 ................................ Other Comprehensive Income
Laporan Perubahan Ekuitas .......................................... 6-7 ..............................Statements of Changes in Equity
Laporan Arus Kas......................................................... 8-9 ....................................... Statements of Cash Flows
Catatan atas Laporan Keuangan................................... 10-176 ............................ Notes to the Financial Statements
************************
Page 466
Page 467
The original report included herein is in
the Indonesian language.
Laporan Auditor Independen Independent Auditor’s Report
Laporan No. 00147/2.1032/AU.1/07/0242- Report No. 00147/2.1032/AU.1/07/0242-
4/1/III/2025 4/1/III/2025
Pemegang Saham, Dewan Komisaris, dan The Shareholders and the Boards of
Direksi Commissioners and Directors
PT Bank Victoria International Tbk PT Bank Victoria International Tbk
Opini Opinion
Kami telah mengaudit laporan keuangan We have audited the accompanying financial
PT Bank Victoria International Tbk (“Bank”) statements of PT Bank Victoria International Tbk
terlampir, yang terdiri dari laporan posisi (the “Bank”), which comprise the statement of
keuangan tanggal 31 Desember 2024, serta financial position as of December 31, 2024, and
laporan laba rugi dan penghasilan komprehensif the statement of profit or loss and other
lain, laporan perubahan ekuitas, dan laporan arus comprehensive income, statement of changes in
kas untuk tahun yang berakhir pada tanggal equity, and statement of cash flows for the year
tersebut, serta catatan atas laporan keuangan, then ended, and notes to the financial statements,
termasuk informasi kebijakan akuntansi material. including material accounting policy information.
Menurut opini kami, laporan keuangan terlampir In our opinion, the accompanying financial
menyajikan secara wajar, dalam semua hal yang statements present fairly, in all material respects,
material, posisi keuangan Bank tanggal the financial position of the Bank as of
31 Desember 2024, serta kinerja keuangan dan December 31, 2024, and its financial performance
arus kasnya untuk tahun yang berakhir pada and cash flows for the year then ended, in
tanggal tersebut, sesuai dengan Standar accordance with Indonesian Financial Accounting
Akuntansi Keuangan di Indonesia. Standards.
Basis opini Basis for opinion
Kami melaksanakan audit kami berdasarkan We conducted our audits in accordance with
Standar Audit yang ditetapkan oleh Institut Standards on Auditing established by the
Akuntan Publik Indonesia (“IAPI”). Tanggung Indonesian Institute of Certified Public Accountants
jawab kami menurut standar tersebut diuraikan (“IICPA”). Our responsibilities under those
lebih lanjut dalam paragraf Tanggung Jawab standards are further described in the Auditor’s
Auditor terhadap Audit atas Laporan Keuangan Responsibilities for the Audit of the Financial
pada laporan kami. Kami independen terhadap Statements paragraph of our report. We are
Bank berdasarkan ketentuan etika yang relevan independent of the Bank in accordance with the
dalam audit kami atas laporan keuangan di ethical requirements relevant to our audits of the
Indonesia, dan kami telah memenuhi tanggung financial statements in Indonesia, and we have
jawab etika lainnya berdasarkan ketentuan fulfilled our other ethical responsibilities in
tersebut. Kami yakin bahwa bukti audit yang telah accordance with such requirements. We believe
kami peroleh adalah cukup dan tepat untuk that the audit evidence we have obtained is
menyediakan suatu basis bagi opini kami. sufficient and appropriate to provide a basis for our
opinion.
i
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The original report included herein is in
the Indonesian language.
Laporan Auditor Independen (lanjutan) Independent Auditor’s Report (continued)
Laporan No. 00147/2.1032/AU.1/07/0242- Report No. 00147/2.1032/AU.1/07/0242-
4/1/III/2025 (lanjutan) 4/1/III/2025 (continued)
Hal audit utama Key audit matters
Hal audit utama adalah hal-hal yang, menurut Key audit matters are those matters that, in our
pertimbangan profesional kami, merupakan hal professional judgement, were of most significance
yang paling signifikan dalam audit kami atas in our audit of the financial statements of the
laporan keuangan Bank periode kini. Hal audit current period. Such key audit matters were
utama tersebut disampaikan dalam konteks audit addressed in the context of our audit of the
kami atas laporan keuangan secara keseluruhan, financial statements taken as a whole, and in
dan dalam merumuskan opini kami atas laporan forming our opinion thereon, and we do not provide
keuangan terkait, dan kami tidak menyatakan a separate opinion on such key audit matters. For
suatu opini terpisah atas hal audit utama tersebut. each of the key audit matters below, our
Untuk setiap hal audit utama di bawah ini, description of how our audit addressed such key
penjelasan kami tentang bagaimana audit kami audit matters is provided in such context.
merespons hal tersebut disampaikan dalam
konteks tersebut.
Kami telah memenuhi tanggung jawab yang We have fulfilled the responsibilities described in
diuraikan dalam paragraf Tanggung Jawab the Auditor’s Responsibilities for the Audit of the
Auditor terhadap Audit atas Laporan Keuangan Financial Statements paragraph of our report,
pada laporan kami, termasuk sehubungan dengan including in relation to the key audit matters
hal-hal audit utama yang dikomunikasikan di communicated below. Accordingly, our audit
bawah ini. Oleh karena itu, audit kami mencakup included the performance of procedures designed
pelaksanaan prosedur yang didesain untuk to respond to our assessment of the risks of
merespons penilaian kami atas risiko kesalahan material misstatements of the accompanying
penyajian material dalam laporan keuangan financial statements. The results of our audit
terlampir. Hasil prosedur audit kami, termasuk procedures, including the procedures performed to
prosedur yang dilakukan untuk merespons hal-hal address the key audit matters below, provide the
audit utama di bawah ini, menyediakan basis bagi basis for our opinion on the accompanying financial
opini kami atas laporan keuangan terlampir. statements.
Cadangan kerugian penurunan nilai atas pinjaman Allowance for impairment losses of loans
yang diberikan
Penjelasan atas hal audit utama: Description of the key audit matter:
Pada tanggal 31 Desember 2024, nilai tercatat As of December 31, 2024, the balance of loans was
pinjaman yang diberikan adalah sebesar Rp20,5 amounted to Rp20.5 trillion, before allowance for
triliun, sebelum cadangan penurunan nilai sebesar impairment amounted to Rp446.9 billion.
Rp446,9 miliar. Pengungkapan atas hal ini Disclosures of these matters are described in Notes
diuraikan pada Catatan 11 atas laporan keuangan 11 to the accompanying financial statements.
terlampir.
Allowance for impairment losses of loans is a key
Cadangan kerugian penurunan nilai atas pinjaman audit matter to us because the carrying amounts of
yang diberikan adalah hal audit utama bagi kami loans and the allowance for impairment losses were
karena nilai tercatat pinjaman yang diberikan dan significant to the financial statements, and the
cadangan kerugian penurunan nilainya adalah calculation of allowance for impairment losses of
signifikan terhadap laporan keuangan, dan loans required application of significant judgment
perhitungan cadangan kerugian penurunan nilai and estimation from the management, such as
tersebut memerlukan penerapan pertimbangan establishing model to calculate the allowance for
dan estimasi signifikan dari manajemen, yaitu impairment, identification of credit exposures with
penentuan model untuk menghitung cadangan significant deterioration in credit quality, and
tersebut, identifikasi eksposur kredit yang establishing key assumptions used in the model to
mengalami penurunan kualitas kredit yang calculate allowance for impairment losses (for
signifikan, dan penentuan asumsi utama yang exposures assessed on an individual or collective
digunakan dalam model perhitungan cadangan basis), which incorporated forward-looking
kerugian penurunan nilai (untuk eksposur yang macroeconomic factors.
dinilai secara individu atau kolektif), termasuk
faktor-faktor makroekonomi yang bersifat
perkiraan masa depan (forward-looking).
ii
Page 469
The original report included herein is in
the Indonesian language.
Laporan Auditor Independen (lanjutan) Independent Auditor’s Report (continued)
Laporan No. 00147/2.1032/AU.1/07/0242- Report No. 00147/2.1032/AU.1/07/0242-
4/1/III/2025 (lanjutan) 4/1/III/2025 (continued)
Hal audit utama (lanjutan) Key audit matters (continued)
Cadangan kerugian penurunan nilai atas pinjaman Allowance for impairment losses of loans
yang diberikan (lanjutan) (continued)
Respons audit: Audit response:
Kami mengevaluasi dan menguji rancangan dan We evaluated and assessed the design and
efektivitas pengendalian utama atas proses operating effectiveness of key controls over the
pemberian pinjaman, penilaian kualitas pinjaman process of loan origination, regular internal credit
internal secara teratur, serta pencatatan dan quality assessments, and recording and monitoring
pengawasan pinjaman yang diberikan. Kami of the loans. We gained understanding over
memperoleh pemahaman tentang metodologi dan methodologies and financial model of the
model keuangan untuk perhitungan cadangan calculation of the impairment losses, and validated
kerugian penurunan nilai, serta melakukan inputs, bases, and key assumptions used in
validasi atas data masukan (input), dasar dan calculating the allowance for impairment losses by
asumsi utama yang digunakan dalam menghitung comparing to the Bank’s historical data and
cadangan kerugian penurunan nilai dengan observable market data. We also tested the
membandingkan ke data historis Bank dan classification into the three-stage credit quality of
informasi pasar yang dapat diobservasi. Kami juga loan portfolios in accordance with staging criteria
menguji tiga tahapan kualitas kredit portofolio established by the management regarding loans.
sesuai dengan kriteria tingkatan (staging) yang
ditetapkan oleh manajemen untuk pinjaman yang
diberikan.
Kami juga menguji konsistensi antara pengalaman We also evaluated consistency of historic
historis dan kondisi sekarang dengan kerugian experience and the current circumstances with
terkini pada portofolio serta menilai kewajaran recent losses in the portfolios and assessed the
penyesuaian asumsi masa depan, analisis faktor reasonableness of forward-looking adjustments,
ekonomi makro, dan beberapa skenario macroeconomic factor analysis and probability-
probabilitas tertimbang. weighted multiple scenarios.
Untuk cadangan kerugian penurunan nilai yang With respect to individually assessed impairment
ditentukan secara individual, atas dasar sampel losses, on sample basis we evaluated if timely
kami mengevaluasi bila identifikasi dilakukan identification was made for exposures with
secara tepat waktu terhadap eksposur dengan significant deterioration in credit quality or
penurunan kualitas kredit yang signifikan atau exposures which have been impaired. For loans
yang telah mengalami penurunan nilai. Untuk identified to be impaired, we assessed key
pinjaman yang diidentifikasi mengalami assumptions on the expected futures cash flows,
penurunan nilai, kami menilai asumsi utama atas including the value of realizable collateral based on
arus kas masa depan yang akan diterima, available market information or valuation prepared
termasuk nilai jaminan yang dapat direalisasikan by the management’s expert or the management.
berdasarkan informasi pasar yang tersedia atau
penilaian yang dilakukan oleh pakar manajemen
atau manajemen sendiri.
Kami memeriksa akurasi matematis perhitungan We tested mathematical accuracy of the
cadangan kerugian penurunan nilai atas dasar calculation of allowance for impairment losses on
sampel dan menilai kecukupan pengungkapan sample basis and we assessed the adequacy of
atas hal-hal ini pada laporan keuangan terlampir. disclosures for these matters in the notes to the
Kami melibatkan pakar auditor kami dalam accompanying financial statements. We involved
melakukan prosedur-prosedur di atas sesuai our auditor’s experts in the performance of these
dengan keahliannya. procedures in accordance with their specific
expertise.
iii
Page 470
The original report included herein is in
the Indonesian language.
Laporan Auditor Independen (lanjutan) Independent Auditor’s Report (continued)
Laporan No. 00147/2.1032/AU.1/07/0242- Report No. 00147/2.1032/AU.1/07/0242-
4/1/III/2025 (lanjutan) 4/1/III/2025 (continued)
Informasi lain Other information
Manajemen bertanggung jawab atas informasi Management is responsible for the other
lain. Informasi lain terdiri dari informasi yang information. Other information comprises the
tercantum dalam Laporan Tahunan 2024 information included in the 2024 Annual Report
(“Laporan Tahunan”) selain laporan keuangan (“The Annual Report”) other than the
terlampir dan laporan auditor independen kami. accompanying financial statements and our
Laporan Tahunan diharapkan akan tersedia bagi independent auditor’s report thereon. The Annual
kami setelah tanggal laporan auditor independen Report is expected to be made available to us after
ini. the date of this independent auditor’s report.
Opini kami atas laporan keuangan terlampir tidak Our opinion on the accompanying financial
mencakup Laporan Tahunan, dan oleh karena itu, statements does not cover the Annual Report, and
kami tidak menyatakan bentuk keyakinan apapun accordingly, we do not express any form of
atas Laporan Tahunan tersebut. assurance on the Annual Report.
Sehubungan dengan audit kami atas laporan In connection with our audit of the accompanying
keuangan terlampir, tanggung jawab kami adalah financial statements, our responsibility is to read
untuk membaca Laporan Tahunan ketika the Annual Report when it becomes available and,
tersedia dan, dalam melaksanakannya, in doing so, consider whether the Annual Report is
mempertimbangkan apakah Laporan Tahunan materially inconsistent with the accompanying
mengandung ketidakkonsistensian material financial statements or our knowledge obtained in
dengan laporan keuangan terlampir atau the audit, or otherwise appears to be materially
pemahaman yang kami peroleh selama audit, atau misstated.
mengandung kesalahan penyajian material.
Ketika kami membaca Laporan Tahunan, jika kami When we read the Annual Report, if we conclude
menyimpulkan bahwa terdapat suatu kesalahan that there is a material misstatement therein, we
penyajian material di dalamnya, kami diharuskan are required to communicate the matter to those
untuk mengomunikasikan hal tersebut kepada charged with governance and take appropriate
pihak yang bertanggung jawab atas tata kelola actions based on the applicable laws and
dan melakukan tindakan yang tepat berdasarkan regulations.
peraturan perundang-undangan yang berlaku.
iv
Page 471
The original report included herein is in
the Indonesian language.
Laporan Auditor Independen (lanjutan) Independent Auditor’s Report (continued)
Laporan No. 00147/2.1032/AU.1/07/0242- Report No. 00147/2.1032/AU.1/07/0242-
4/1/III/2025 (lanjutan) 4/1/III/2025 (continued)
Tanggung jawab manajemen dan pihak yang Responsibilities of management and those
bertanggung jawab atas tata kelola terhadap charged with governance for the financial
laporan keuangan statements
Manajemen bertanggung jawab atas penyusunan Management is responsible for the preparation and
dan penyajian wajar laporan keuangan tersebut fair presentation of the financial statements in
sesuai dengan Standar Akuntansi Keuangan di accordance with Indonesian Financial Accounting
Indonesia, dan atas pengendalian internal yang Standards, and for such internal control as
dianggap perlu oleh manajemen untuk management determines is necessary to enable the
memungkinkan penyusunan laporan keuangan preparation of financial statements that are free
yang bebas dari kesalahan penyajian material, from material misstatement, whether due to fraud
baik yang disebabkan oleh kecurangan maupun or error.
kesalahan.
Dalam penyusunan laporan keuangan, In preparing the financial statements, management
manajemen bertanggung jawab untuk menilai is responsible for assessing the Bank’s ability to
kemampuan Bank dalam mempertahankan continue as a going concern, disclosing, as
kelangsungan usahanya, mengungkapkan, sesuai applicable, matters related to going concern, and
dengan kondisinya, hal-hal yang berkaitan dengan using the going concern basis of accounting, unless
kelangsungan usaha, dan menggunakan basis management either intends to liquidate the Bank or
akuntansi kelangsungan usaha, kecuali to cease its operations, or has no realistic
manajemen memiliki intensi untuk melikuidasi alternative but to do so.
Bank atau menghentikan operasi, atau tidak
memiliki alternatif yang realistis selain
melaksanakannya.
Pihak yang bertanggung jawab atas tata kelola Those charged with governance are responsible for
bertanggung jawab untuk mengawasi proses overseeing the Bank’s financial reporting process.
pelaporan keuangan Bank.
v
Page 472
The original report included herein is in
the Indonesian language.
Laporan Auditor Independen (lanjutan) Independent Auditor’s Report (continued)
Laporan No. 00147/2.1032/AU.1/07/0242- Report No. 00147/2.1032/AU.1/07/0242-
4/1/III/2025 (lanjutan) 4/1/III/2025 (continued)
Tanggung jawab auditor terhadap audit atas Auditor’s responsibilities for the audit of the
laporan keuangan financial statements
Tujuan kami adalah untuk memeroleh keyakinan Our objectives are to obtain reasonable assurance
memadai tentang apakah laporan keuangan about whether the financial statements taken as a
secara keseluruhan bebas dari kesalahan whole are free from material misstatement,
penyajian material, baik yang disebabkan oleh whether due to fraud or error, and to issue an
kecurangan maupun kesalahan, dan untuk independent auditor’s report that includes our
menerbitkan laporan auditor independen yang opinion. Reasonable assurance is a high level of
mencakup opini kami. Keyakinan memadai assurance, but is not a guarantee that an audit
merupakan suatu tingkat keyakinan tinggi, namun conducted in accordance with Standards on
bukan merupakan suatu jaminan bahwa audit Auditing established by the IICPA will always detect
yang dilaksanakan berdasarkan Standar Audit a material misstatement when it exists.
Misstatements can arise from fraud or error and
yang ditetapkan oleh IAPI akan selalu mendeteksi
are considered material if, individually or in the
kesalahan penyajian material ketika hal tersebut
aggregate, they could reasonably be expected to
ada. Kesalahan penyajian dapat disebabkan oleh influence the economic decisions of users taken on
kecurangan maupun kesalahan dan dianggap the basis of these financial statements.
material jika, baik secara individual maupun
agregat, dapat diekspektasikan secara wajar akan
memengaruhi keputusan ekonomi yang diambil
oleh pengguna berdasarkan laporan keuangan
tersebut.
Sebagai bagian dari suatu audit berdasarkan As part of an audit in accordance with Standards on
Standar Audit yang ditetapkan oleh IAPI, kami Auditing established by the IICPA, we exercise
menerapkan pertimbangan profesional dan professional judgment and maintain professional
mempertahankan skeptisisme profesional selama skepticism throughout the audit. We also:
audit. Kami juga:
· Mengidentifikasi dan menilai risiko kesalahan · Identify and assess the risks of material
penyajian material dalam laporan keuangan, misstatement of the financial statements,
baik yang disebabkan oleh kecurangan whether due to fraud or error, design and
maupun kesalahan, mendesain dan perform audit procedures responsive to such
melaksanakan prosedur audit yang responsif risks, and obtain audit evidence that is
terhadap risiko tersebut, serta memeroleh sufficient and appropriate to provide a basis for
bukti audit yang cukup dan tepat untuk our opinion. The risk of not detecting a material
menyediakan basis bagi opini kami. Risiko misstatement resulting from fraud is higher
tidak terdeteksinya suatu kesalahan than for one resulting from error, as fraud may
penyajian material yang disebabkan oleh involve collusion, forgery, intentional
kecurangan lebih tinggi dari yang disebabkan omissions, misrepresentations, or override of
oleh kesalahan, karena kecurangan dapat internal control.
melibatkan kolusi, pemalsuan, penghilangan
secara sengaja, pernyataan salah, atau
pengabaian atas pengendalian internal.
vi
Page 473
The original report included herein is in
the Indonesian language.
Laporan Auditor Independen (lanjutan) Independent Auditor’s Report (continued)
Laporan No. 00147/2.1032/AU.1/07/0242- Report No. 00147/2.1032/AU.1/07/0242-
4/1/III/2025 (lanjutan) 4/1/III/2025 (continued)
Tanggung jawab auditor terhadap audit atas Auditor’s responsibilities for the audit of the
laporan keuangan (lanjutan) financial statements (continued)
Sebagai bagian dari suatu audit berdasarkan As part of an audit in accordance with Standards on
Standar Audit yang ditetapkan oleh IAPI, kami Auditing established by the IICPA, we exercise
menerapkan pertimbangan profesional dan professional judgment and maintain professional
mempertahankan skeptisisme profesional selama skepticism throughout the audit. We also:
audit. Kami juga: (lanjutan) (continued)
· Memeroleh suatu pemahaman tentang · Obtain an understanding of internal control
pengendalian internal yang relevan dengan relevant to the audit in order to design audit
audit untuk mendesain prosedur audit yang procedures that are appropriate in the
tepat sesuai dengan kondisinya, tetapi bukan circumstances, but not for the purpose of
untuk tujuan menyatakan opini atas expressing an opinion on the effectiveness of
keefektivitasan pengendalian internal Bank. the Bank’s internal control.
· Mengevaluasi ketepatan kebijakan akuntansi · Evaluate the appropriateness of accounting
yang digunakan serta kewajaran estimasi policies used and the reasonableness of
akuntansi dan pengungkapan terkait yang accounting estimates and related disclosures
dibuat oleh manajemen. made by management.
· Menyimpulkan ketepatan penggunaan basis · Conclude on the appropriateness of
akuntansi kelangsungan usaha oleh management's use of the going concern basis
manajemen dan, berdasarkan bukti audit yang of accounting and, based on the audit evidence
diperoleh, apakah terdapat suatu obtained, whether a material uncertainty exists
ketidakpastian material yang terkait dengan related to events or conditions that may cast
peristiwa atau kondisi yang dapat significant doubt on the Bank's ability to
menyebabkan keraguan signifikan atas continue as a going concern. If we conclude
kemampuan Bank untuk mempertahankan that a material uncertainty exists, we are
kelangsungan usahanya. Ketika kami required to draw attention in our independent
menyimpulkan bahwa terdapat suatu auditor’s report to the related disclosures in
ketidakpastian material, kami diharuskan the financial statements or, if such disclosures
untuk menarik perhatian dalam laporan are inadequate, to modify our opinion. Our
auditor independen kami ke pengungkapan conclusion is based on the audit evidence
terkait dalam laporan keuangan atau, jika obtained up to the date of our independent
pengungkapan tersebut tidak memadai, auditor’s report. However, future events or
memodifikasi opini kami. Kesimpulan kami conditions may cause the Bank to cease to
didasarkan pada bukti audit yang diperoleh continue as a going concern.
hingga tanggal laporan auditor independen
kami. Namun, peristiwa atau kondisi masa
depan dapat menyebabkan Bank tidak dapat
mempertahankan kelangsungan usaha.
· Mengevaluasi penyajian, struktur, dan isi · Evaluate the overall presentation, structure,
laporan keuangan secara keseluruhan, and content of the financial statements,
termasuk pengungkapannya, dan apakah including the disclosures, and whether the
laporan keuangan mencerminkan transaksi financial statements represent the underlying
dan peristiwa yang mendasarinya dengan transactions and events in a manner that
suatu cara yang mencapai penyajian wajar. achieves fair presentation.
vii
Page 474
Page 475
The original financial statements included herein are in
Indonesian language.
PT BANK VICTORIA INTERNATIONAL Tbk PT BANK VICTORIA INTERNATIONAL Tbk
LAPORAN POSISI KEUANGAN STATEMENT OF FINANCIAL POSITION
Tanggal 31 Desember 2024 As of December 31, 2024
(Dinyatakan dalam ribuan Rupiah, (Expressed in thousands of Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
31 Desember 2024/ Catatan/ 31 Desember 2023/
December 31, 2024 Notes December 31, 2023
ASET ASSETS
Kas 71.600.262 2d,2i,4 92.820.864 Cash
Current accounts
Giro pada Bank Indonesia 1.401.052.981 2d,2j,5 1.493.076.850 with Bank Indonesia
Giro pada bank lain 114.518.280 2d,2j, 296.298.919 Current accounts with other banks
Dikurangi: Cadangan kerugian 2g,6 Less: Allowance for
penurunan nilai (44.983) (1.726) impairment losses
114.473.297 296.297.193
Penempatan pada Bank Indonesia Placements with Bank Indonesia
dan bank lain 12.200.000 2d,2g, 916.367.530 and other banks
Dikurangi: Cadangan kerugian 2k,7 Less: Allowance for
penurunan nilai (2.745) (998.782) impairment losses
12.197.255 915.368.748
Efek-efek 7.463.989.140 2d,2g, 6.285.563.736 Marketable securities
Dikurangi: Cadangan kerugian 2l,8 Less: Allowance for
penurunan nilai (1.266.198) (8.271.969) impairment losses
7.462.722.942 6.277.291.767
Efek-efek yang dibeli dengan Securities purchased under
janji dijual kembali 197.775.620 2d,2n,9 636.732.554 resale agreement
Pendapatan bunga Interest income
yang masih akan diterima 320.839.465 2d,2g,10 386.167.151 receivables
Dikurangi: Cadangan kerugian Less: Allowance for
penurunan nilai (6.087.977) (17.759.228) impairment losses
314.751.488 368.407.923
Pinjaman yang diberikan 2d,2g, Loans
- Pihak berelasi 123.467.111 2m,11,39 143.896.441 Related parties -
- Pihak ketiga 20.436.393.210 18.484.846.736 Third parties -
20.559.860.321 18.628.743.177
Dikurangi: Cadangan kerugian Less: Allowance for
penurunan nilai (446.965.878) (574.872.202) impairment losses
20.112.894.443 18.053.870.975
Tagihan akseptasi 17.791.739 2o 12.474.839 Acceptence receivables
Penyertaan saham 219.933.809 2p,12 215.930.505 Investments in shares
Biaya dibayar dimuka 31.143.626 2t,13 25.465.024 Prepaid expenses
Aset tetap dan aset hak-guna 471.188.772 2q,14 505.086.595 Fixed assets and right-of-use assets
Dikurangi: Akumulasi penyusutan (79.755.235) (81.859.391) Less: Accumulated depreciation
391.433.537 423.227.204
Agunan yang diambil alih 544.115.286 2g,2s,15 802.486.682 Foreclosed assets
Dikurangi: Cadangan kerugian Less: Allowance for
penurunan nilai (165.131.092) (251.870.489) impairment losses
378.984.194 550.616.193
Catatan atas laporan keuangan terlampir merupakan bagian The accompanying notes form an integral part of these
integral dari laporan keuangan ini. financial statements.
1
Page 476
The original financial statements included herein are in
Indonesian language.
PT BANK VICTORIA INTERNATIONAL Tbk PT BANK VICTORIA INTERNATIONAL Tbk
LAPORAN POSISI KEUANGAN (lanjutan) STATEMENT OF FINANCIAL POSITION (continued)
Tanggal 31 Desember 2024 As of December 31, 2024
(Dinyatakan dalam ribuan Rupiah, (Expressed in thousands of Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
31 Desember 2024/ Catatan/ 31 Desember 2023/
December 31, 2024 Notes December 31, 2023
ASET (lanjutan) ASSETS (continued)
Aset tak berwujud - bersih 11.099.418 2r,16 8.192.813 Intangible assets - net
Aset pajak tangguhan - bersih 137.020.678 2ab,22c 163.003.926 Deferred tax assets - net
Aset lain-lain 182.450.157 2g,2t,17 103.819.813 Other assets
Dikurangi: Cadangan kerugian Less: Allowance for
penurunan nilai (11.336.194) (12.356.770) impairment losses
171.113.963 91.463.043
JUMLAH ASET 31.045.989.252 29.624.240.421 TOTAL ASSETS
LIABILITAS DAN EKUITAS LIABILITIES AND EQUITY
LIABILITAS LIABILITIES
Simpanan nasabah 2d,2u,18, Deposit from customers
- Pihak berelasi 671.950.439 39 1.397.970.027 Related parties -
- Pihak ketiga 22.660.161.061 21.031.210.465 Third parties -
23.332.111.500 22.429.180.492
Simpanan dari bank lain 2d,2u,19, Deposits from other banks
- Pihak berelasi 532.305 39 478.732 Related parties -
- Pihak ketiga 590.485.667 1.104.324.627 Third parties -
591.017.972 1.104.803.359
Efek-efek yang dijual dengan Securities sold under
janji dibeli kembali 587.475.014 2d,2n,20 643.266.730 repurchase agreement
Efek-efek yang diterbitkan 2v,21, Securities issued
- Pihak berelasi 147.885.000 39 92.730.000 Related parties -
- Pihak ketiga 2.162.115.000 1.267.270.000 Third parties -
2.310.000.000 1.360.000.000
Dikurangi: Biaya emisi yang Less: Unamortised
belum diamortisasi (20.587.351) (12.360.472) issuance cost
2.289.412.649 1.347.639.528
Utang akseptasi 17.005.026 2o 11.959.811 Acceptance payables
Utang pajak 2ab,22a Taxes payable
- Pajak penghasilan badan - - Corporate income tax -
- Pajak lainnya 26.451.979 29.310.442 Other taxes -
26.451.979 29.310.442
Liabilitas imbalan kerja karyawan 54.003.307 2ac,24b 39.837.511 Employee benefits obligation
Akrual dan liabilitas lain-lain 215.052.147 2d,23 193.457.538 Accruals and other liabilities
JUMLAH LIABILITAS 27.112.529.594 25.799.455.411 TOTAL LIABILITIES
Catatan atas laporan keuangan terlampir merupakan bagian The accompanying notes form an integral part of these
integral dari laporan keuangan ini. financial statements.
2
Page 477
The original financial statements included herein are in
Indonesian language.
PT BANK VICTORIA INTERNATIONAL Tbk PT BANK VICTORIA INTERNATIONAL Tbk
LAPORAN POSISI KEUANGAN (lanjutan) STATEMENT OF FINANCIAL POSITION (continued)
Tanggal 31 Desember 2024 As of December 31, 2024
(Dinyatakan dalam ribuan Rupiah, (Expressed in thousands of Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
31 Desember 2024/ Catatan/ 31 Desember 2023/
December 31, 2024 Notes December 31, 2023
LIABILITAS DAN EKUITAS (lanjutan) LIABILITIES AND EQUITY (continued)
EKUITAS EQUITY
Modal saham - nilai nominal Rp100 Share capital - par value
(nilai penuh) per saham Rp100 (full amount) per share
Modal dasar - Authorised capital -
41.000.000.000 lembar saham 41,000,000,000 shares as of
pada 31 Desember 2024 dan 2023 December 31, 2024, and 2023
Modal ditempatkan dan disetor Issued and fully paid
penuh - 15.848.532.906 capital -15,848,532,906
dan 15.848.235.778 and 15,848,235,778
masing-masing saham pada shares as of
tanggal 31 Desember 2024 December 31, 2024
dan 2023 1.584.853.291 25 1.584.823.578 and 2023, respectively
Tambahan modal disetor 668.370.810 26 668.684.728 Additional paid-in capital
Kerugian yang belum Unrealised loss on changes in
direalisasi atas perubahan nilai wajar fair value of marketable
efek-efek yang diukur pada securities measured at fair value
nilai wajar melalui penghasilan through other comprehensive
komprehensif lain, setelah pajak (25.504.113) 2d,2l (16.832.287) income, net of tax
Surplus revaluasi aset tetap, Gain on revaluation of
setelah pajak 316.445.478 14 382.456.152 fixed assets, net of tax
Pengukuran kembali atas liabilitas Remeasurements on employee
imbalan kerja, setelah pajak 11.058.011 19.466.902 benefit liabilities, net of tax
Saldo laba: Retained earnings:
- Telah ditentukan penggunaannya 227.200.000 28 202.200.000 Appropriated -
- Belum ditentukan penggunaannya 1.151.036.181 983.985.937 Unappropriated -
JUMLAH EKUITAS 3.933.459.658 3.824.785.010 TOTAL EQUITY
JUMLAH LIABILITAS DAN EKUITAS 31.045.989.252 29.624.240.421 TOTAL LIABILITIES AND EQUITY
Catatan atas laporan keuangan terlampir merupakan bagian The accompanying notes form an integral part of these
integral dari laporan keuangan ini. financial statements.
3
Page 478
The original financial statements included herein are in
Indonesian language.
PT BANK VICTORIA INTERNATIONAL Tbk PT BANK VICTORIA INTERNATIONAL Tbk
LAPORAN LABA RUGI DAN PENGHASILAN STATEMENT OF PROFIT OR LOSS AND
KOMPREHENSIF LAIN OTHER COMPREHENSIVE INCOME
Untuk Tahun yang Berakhir padaTanggal For the Year Ended
31 Desember 2024 December 31, 2024
(Dinyatakan dalam ribuan Rupiah, (Expressed in thousands of Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
Tahun yang Berakhir pada Tanggal 31 Desember/
Year Ended December 31,
Catatan/
2024 Notes 2023
PENDAPATAN DAN BEBAN OPERATING INCOME
OPERASIONAL AND EXPENSES
Pendapatan bunga 2.076.267.755 2y,29 1.836.391.130 Interest income
Beban bunga (1.527.667.207) 2y, 30 (1.257.661.775) Interest expense
Pendapatan bunga - bersih 548.600.548 578.729.355 Interest income - net
Pendapatan operasional lainnya Other operating income
Pendapatan dari investasi Income from investment in
reksadana 21.747.990 13.292.046 mutual funds
Keuntungan atas penjualan Gains on sale of securities
efek-efek yang diukur pada measured at fair
nilai wajar melalui laba rugi value through
dan penghasilan profit or loss and other
komprehensif lain - bersih 32.464.070 2d 35.431.712 comprehensive income - net
Provisi dan komisi selain dari Fees and commissions from
pinjaman 7.888.853 2z 15.679.319 transactions other than loans
Lain-lain - bersih 303.634.738 31 188.962.184 Others - net
Jumlah pendapatan
operasional lainnya 365.735.651 253.365.261 Total other operating income
Beban operasional lainnya Other operating expenses
Beban penyisihan kerugian Provision for impairment losses
penurunan nilai aset keuangan (202.042.492) 2g,32 (242.509.120) on financial assets
Pembalikan penyisihan
kerugian penurunan nilai Reversal for impairment losses
aset non-keuangan 86.739.397 2h,32 54.964.162 on non-financial assets
Kerugian atas perubahan Loss on changes in fair value of
nilai wajar penyertaan investment in shares measured
saham yang diukur pada nilai at fair value through
wajar melalui laba rugi - 2d,12 (31.877.279) profit or loss
Keuntungan/(kerugian) yang Unrealised profit/(loss)
belum terealisasi atas on changes in fair value
perubahan nilai wajar efek-efek of securities measured
yang diukur pada nilai at fair value through
wajar melalui laba rugi - bersih (7.500.945) 2d 3.930.662 profit or loss - net
General and administrative
Beban umum dan administrasi (203.382.859) 2aa,33 (158.899.846) expenses
Beban tenaga kerja (175.619.075) 2aa,34 (157.155.510) Personnel expenses
Lain-lain (119.560.177) 35 (126.476.550) Others
Jumlah beban operasional lainnya (621.366.151) (658.023.481) Total other operating expenses
LABA OPERASIONAL 292.970.048 174.071.135 PROFIT FROM OPERATIONS
Beban Non-Operasional - Bersih (144.309.924) 36 (44.534.907) Non-Operating Expenses - Net
LABA SEBELUM BEBAN PROFIT BEFORE
PAJAK PENGHASILAN 148.660.124 129.536.228 INCOME TAX EXPENSE
BEBAN PAJAK INCOME TAX
PENGHASILAN - BERSIH (30.800.886) 2ab,22b (27.719.887) EXPENSES - NET
LABA BERSIH NET PROFIT
TAHUN BERJALAN 117.859.238 101.816.341 FOR THE YEAR
Catatan atas laporan keuangan terlampir merupakan bagian The accompanying notes form an integral part of these
integral dari laporan keuangan ini. financial statements.
4
Page 479
The original financial statements included herein are in
Indonesian language.
PT BANK VICTORIA INTERNATIONAL Tbk PT BANK VICTORIA INTERNATIONAL Tbk
LAPORAN LABA RUGI DAN PENGHASILAN STATEMENT OF PROFIT OR LOSS AND
KOMPREHENSIF LAIN (lanjutan) OTHER COMPREHENSIVE INCOME (continued)
Untuk Tahun yang Berakhir pada Tanggal For the Year Ended
31 Desember 2024 December 31, 2024
(Dinyatakan dalam Ribuan Rupiah, (Expressed in thousands of Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
Tahun yang Berakhir pada Tanggal 31 Desember/
Year Ended December 31,
Catatan/
2024 Notes 2023
PENGHASILAN OTHER COMPREHENSIVE
KOMPREHENSIF LAIN INCOME
Pos-pos yang akan direklasifikasi Items that would be reclassified
ke laba rugi to profit or loss
Perubahan nilai wajar Changes in fair value of
efek-efek yang diukur pada marketable securities
nilai wajar melalui penghasilan measured at fair value through
komprehensif lain (11.117.726) 2d,2l 27.894.092 other comprehensive income
Pajak tangguhan terkait 2.445.900 22c (6.136.700) Related deferred income tax
(8.671.826) 21.757.392
Pos yang tidak akan Items that would never be
direklasifikasi ke laba rugi reclassified to profit or loss
Surplus revaluasi aset - bersih (66.010.674) 2q - Gain from revaluation asset - net
Pengukuran kembali atas Remeasurements on
liabilitas imbalan kerja (10.780.629) 24b 3.394.639 employee benefit liabilities
Pajak tangguhan terkait 2.371.738 22c (746.821) Related deferred income tax
(74.419.565) 2.647.818
PENGHASILAN (RUGI) OTHER COMPREHENSIVE
KOMPREHENSIF LAIN, INCOME (LOSS), NET OF
SETELAH PAJAK PENGHASILAN (83.091.391) 24.405.210 INCOME TAX
JUMLAH PENGHASILAN TOTAL COMPREHENSIVE
KOMPREHENSIF 34.767.847 126.221.551 INCOME
LABA BERSIH PER SAHAM INCOME PER SHARE
Dasar (Rupiah penuh) 7,44 2ad,37 6,42 Basic (full Rupiah)
Dilusian (Rupiah penuh) 7,44 2ad,37 6,42 Diluted (full Rupiah)
Catatan atas laporan keuangan terlampir merupakan bagian The accompanying notes form an integral part of these
integral dari laporan keuangan ini. financial statements.
5
Page 480
The original financial statements included herein are in Indonesian language.
PT BANK VICTORIA INTERNATIONAL Tbk PT BANK VICTORIA INTERNATIONAL Tbk
LAPORAN PERUBAHAN EKUITAS STATEMENT OF CHANGES IN EQUITY
Untuk Tahun yang Berakhir pada Tanggal 31 Desember 2024 For the Year Ended December 31, 2024
(Disajikan dalam ribuan Rupiah, kecuali dinyatakan lain) (Expressed in thousands of Rupiah, unless otherwise stated)
Kerugian yang
belum direalisasi
atas perubahan
nilai wajar efek-
efek yang diukur
pada nilai wajar
melalui penghasilan
komprehensif lain -
setelah pajak/
Unrealised
loss on changes Pengukuran
in fair value of kembali atas
Modal marketable liabilitas imbalan
ditempatkan securities Surplus revaluasi kerja - setelah
dan disetor measured at fair aset tetap - pajak/ Saldo laba/ Retained earnings
penuh/ Tambahan value through other setelah pajak/ Remeasurements
Issued and modal disetor/ comprehensive Gain on revaluation on employee Telah ditentukan Belum ditentukan
Catatan/ fully paid Additional paid- income - of fixed assets - benefit liabilities - penggunaannya/ penggunaannya/ Jumlah/
Notes capital in capital net of tax net of tax net of tax Appropriated Unappropriated Total
Saldo per 1 Januari 2024 1.584.823.578 668.684.728 (16.832.287) 382.456.152 19.466.902 202.200.000 983.985.937 3.824.785.010 Balance as of January 1, 2024
Dana setoran modal 25 29.713 - - - - - - 29.713 Capital deposit fund
Biaya emisi efek 26 - (313.918) - - - - - (313.918) Issuance cost
Penghasilan komprehensif lain: Other comprehensive income:
Aset keuangan yang diukur Financial assets measured at
pada nilai wajar melalui fair value through other
penghasilan komprehensif comprehensive income,
lain, setelah pajak - - (8.671.826) - - - - (8.671.826) net of tax
Surplus atas revaluasi aset tetap Gain on revaluation of fixed assets
dan properti terbengkalai - bersih 14,17 - - - 8.180.332 - - - 8.180.332 and abandoned properties - net
Reklasifikasi surplus atas revaluasi Reclassification of Surplus on
aset tetap 14 - - - (74.191.006) - - 74.191.006 - revaluation of fixed assets
Pengukuran Kembali atas liabilitas Remeasurement on employee benefit
imbalan kerja - - - - (8.408.891) - - (8.408.891) liabilities, net of tax
Pembentukan cadangan umum - - - - - 25.000.000 (25.000.000) - Establishment of general reserves
Laba bersih tahun berjalan - - - - - - 117.859.238 117.859.238 Net income for the year
Saldo per 31 Desember 2024 1.584.853.291 668.370.810 (25.504.113) 316.445.478 11.058.011 227.200.000 1.151.036.181 3.933.459.658 Balance as of December 31, 2024
Catatan atas laporan keuangan terlampir merupakan bagian integral dari laporan keuangan ini. The accompanying notes form an integral part of these financial statements.
6
Page 481
The original financial statements included herein are in Indonesian language.
PT BANK VICTORIA INTERNATIONAL Tbk PT BANK VICTORIA INTERNATIONAL Tbk
LAPORAN PERUBAHAN EKUITAS (lanjutan) STATEMENT OF CHANGES IN EQUITY (continued)
Untuk Tahun yang Berakhir padaTanggal 31 Desember 2024 For the Year Ended December 31, 2024
(Disajikan dalam ribuan Rupiah, kecuali dinyatakan lain) (Expressed in Thousands of Rupiah, Unless otherwise stated)
Keuntungan
(kerugian) yang
belum direalisasi
atas perubahan
nilai wajar efek-
efek yang diukur
pada nilai wajar
melalui penghasilan
komprehensif lain -
setelah pajak/
Unrealised gains
(loss) on changes Pengukuran
in fair value of kembali atas
Modal marketable liabilitas imbalan
ditempatkan securities Surplus revaluasi kerja - setelah
dan disetor measured at fair aset tetap - pajak/ Saldo laba/ Retained earnings
penuh/ Tambahan value through other setelah pajak/ Remeasurements
Issued and modal disetor/ comprehensive Gain on revaluation on employee Telah ditentukan Belum ditentukan
Catatan/ fully paid Additional paid- income – of fixed assets - benefit liabilities - penggunaannya/ penggunaannya/ Jumlah/
Notes capital in capital net of tax net of tax net of tax Appropriated Unappropriated Total
Saldo per 1 Januari 2023 1.584.823.471 670.584.856 (38.589.677) 382.456.152 16.819.083 177.200.000 907.169.596 3.700.463.481 Balance as of January 1, 2023
Dana setoran modal 107 - - - - - - 107 Capital deposit fund
Biaya emisi efek 26 - (1.900.128) - - - - - (1.900.128) Appropriation for general reserve
Penghasilan komprehensif lain: Other comprehensive income:
Aset keuangan yang diukur Financial assets measured at
pada nilai wajar melalui fair value through other
penghasilan komprehensif comprehensive income,
lain, setelah pajak - - 21.757.390 - - - - 21.757.390 net of tax
Remeasurements
Pengukuran kembali atas liabilitas on employee benefit
imbalan kerja, setelah pajak - - - - 2.647.819 - - 2.647.819 liabilities, net of tax
Pembentukan cadangan umum 25,26 - - - - - 25.000.000 (25.000.000) - Other equity transactions
Laba bersih tahun berjalan - - - - - - 101.816.341 101.816.341 Net income for the year
Saldo per 31 Desember 2023 1.584.823.578 668.684.728 (16.832.287) 382.456.152 19.466.902 202.200.000 983.985.937 3.824.785.010 Balance as of December 31, 2023
Catatan atas laporan keuangan terlampir merupakan bagian integral dari laporan keuangan ini. The accompanying notes form an integral part of these financial statements.
7
Page 482
The original consolidated financial statements included herein
are in Indonesian language.
PT BANK VICTORIA INTERNATIONAL Tbk PT BANK VICTORIA INTERNATIONAL Tbk
LAPORAN ARUS KAS STATEMENT OF CASH FLOWS
Untuk Tahun yang Berakhir pada Tanggal For the Year Ended
31 Desember 2024 December 31, 2024
(Dinyatakan dalam ribuan Rupiah, (Expressed in thousands of Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
Tahun yang berakhir pada tanggal 31 Desember/
Year Ended December 31,
Catatan/
2024 Notes 2023
ARUS KAS DARI CASH FLOWS FROM
AKTIVITAS OPERASI OPERATING ACTIVITIES
Penerimaan dari pendapatan Receipt from interest
bunga dan komisi 2.141.595.439 1.866.455.131 income and commissions
Pembayaran bunga (1.498.663.826) (1.241.689.538) Payment of interest expense
Penerimaan dari pendapatan Receipt from other
operasional lainnya 361.686.471 253.716.401 operating income
Penerimaan dari penjualan Receipt from sale
agunan yang diambil alih 206.825.700 385.438.160 of foreclosed assets
Pembayaran beban umum Payment of general and
dan administrasi (175.914.872) (135.297.898) administrative expenses
Pembayaran beban tenaga kerja (168.824.753) (161.897.333) Payment of personnel expenses
Pembayaran beban Payments of other
operasional lainnya (166.668.398) (125.072.074) operating expenses
Pembayaran pajak penghasilan - (16.049.378) Payment of income tax
700.035.761 825.603.471
Kenaikan dalam aset operasi: Increase in operating assets:
Pinjaman yang diberikan (2.321.959.007) (3.012.792.297) Loans
Beban dibayar dimuka (5.678.602) (5.750.347) Prepaid expenses
Aset hak-guna (2.619.166) (21.754.778) Right-of-use assets
Tagihan akseptasi (5.316.900) - Acceptance receivables
Aset lain-lain (81.275.966) 9.055.375 Other assets
Penurunan dalam aset operasi: Decrease in operating assets:
Efek-efek yang dibeli dengan Securities purchased
janji dijual kembali 438.956.934 9 202.699.821 under resale agreements
Penyertaan saham - 26.173.818 Investments in shares
Kenaikan dalam kewajiban operasi: Increase on operating liabilities:
Simpanan nasabah 902.931.008 3.057.342.854 Deposits from customers
Utang akseptasi 5.045.215 11.959.811 Acceptance payables
Penurunan dalam kewajiban operasi: Decrease on operating liabilities:
Simpanan dari bank lain (513.785.388) (230.149.261) Deposits from other banks
Efek-efek yang dijual dengan Securities sold under
janji dibeli kembali (55.791.716) 20 402.401.570 repurchase agreements
Utang pajak lainnya (2.858.462) 22a 14.518.346 Other tax payables
Arus kas bersih (digunakan
untuk)/diperoleh dari Cash flow (used in)/provided
aktivitas operasi (942.316.289) 1.279.308.383 from operating activities
Catatan atas laporan keuangan konsolidasian terlampir The accompanying notes form an integral part of these
merupakan bagian integral dari laporan keuangan consolidated financial statements.
konsolidasian ini.
8
Page 483
The original financial statements included herein are in
Indonesian language.
PT BANK VICTORIA INTERNATIONAL Tbk PT BANK VICTORIA INTERNATIONAL Tbk
LAPORAN ARUS KAS (lanjutan) STATEMENT OF CASH FLOWS (continued)
Untuk Tahun yang Berakhir pada Tanggal For the Year Ended
31 Desember 2024 December 31, 2024
(Dinyatakan dalam ribuan Rupiah, (Expressed in thousands of Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
Tahun yang berakhir pada tanggal 31 Desember/
Year Ended December 31,
Catatan
2024 Notes 2023
ARUS KAS DARI AKTIVITAS NET CASH FLOWS FROM
INVESTASI INVESTING ACTIVITIES
Hasil penjualan aset tetap 28.782.400 14 45.395.525 Proceeds from sale of fixed assets
Pembelian aset tetap (19.802.096) 14 (16.195.800) Purchase of fixed assets
Pembelian aset tak berwujud (5.893.171) 16 (7.289.250) Purchase of intangible assets
Pembelian efek-efek (1.197.044.074) (1.435.185.586) Purchase of marketable securities
Arus kas bersih digunakan Net cash flow used in
untuk aktivitas investasi (1.193.956.941) (1.413.275.111) from investing activities
ARUS KAS DARI AKTIVITAS CASH FLOWS FROM
PENDANAAN FINANCING ACTIVITIES
Penambahan modal disetor (284.205) (1.900.021) Additional paid-in capital
Penerbitan obligasi 1.000.000.000 21 500.000.000 Bonds Issuance
Pelunasan jatuh tempo obligasi (50.000.000) 21 (200.000.000) Bonds repayment
Pembayaran sewa (12.635.205) (10.757.017) Payment for lease
Arus kas bersih diperoleh Net cash flow provided
dari aktivitas pendanaan 937.080.590 287.342.962 from financing activities
NET INCREASE OF
KENAIKAN BERSIH KAS CASH AND CASH
DAN SETARA KAS (1.199.192.640) 153.376.234 EQUIVALENTS
KAS DAN SETARA CASH AND CASH EQUIVALENTS
KAS PADA AWAL TAHUN 2.798.564.163 2.645.187.929 AT BEGINNING OF THE YEAR
KAS DAN SETARA KAS CASH AND CASH EQUIVALENTS
PADA AKHIR TAHUN 1.599.371.523 2.798.564.163 AT END OF THE YEAR
Kas dan setara kas terdiri dari: Cash and cash equivalent consist of:
Kas 71.600.262 4 92.820.864 Cash
Current accounts
Giro pada Bank Indonesia 1.401.052.981 5 1.493.076.850 with Bank Indonesia
Current accounts with
Giro pada bank lain 114.518.280 6 296.298.919 other banks
Penempatan pada Bank Placements with
Indonesia dan Bank Bank Indonesia and other
lain dibawah 3 bulan 12.200.000 7b 916.367.530 Banks less than 3 months
Jumlah kas dan setara kas 1.599.371.523 2.798.564.163 Total cash and cash equivalents
Catatan atas laporan keuangan terlampir merupakan bagian The accompanying notes form an integral part of these
integral dari laporan keuangan ini. financial statements.
9
Page 484
The original financial statements included herein are in
Indonesian language.
PT BANK VICTORIA INTERNATIONAL Tbk PT BANK VICTORIA INTERNATIONAL Tbk
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
Tanggal 31 Desember 2024 dan untuk As of December 31, 2024 and
Tahun yang Berakhir pada Tanggal tersebut for the Year Ended
(Disajikan dalam ribuan Rupiah, (Expressed in thousands of Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
1. INFORMASI UMUM 1. GENERAL INFORMATION
a. Pendirian dan informasi umum a. Establishment and general information
PT Bank Victoria International Tbk (“Bank”) PT Bank Victoria International Tbk (“the Bank”)
didirikan pada tanggal 28 Oktober 1992 was established on October 28, 1992 based on
berdasarkan Akta Notaris A. Partomuan Pohan, Notarial Deed No. 71 of A. Partomuan Pohan,
S.H., LL.M., No. 71 yang selanjutnya diadakan S.H., LL.M., subsequently amended by Deed
pembetulan dengan Akta No. 30 tanggal No. 30 dated June 8, 1993 from the same notary.
8 Juni 1993 dari Notaris yang sama. Akta The deed of establishment was approved by the
pendirian tersebut disahkan oleh Menteri Ministry of Justice of the Republic of Indonesia in
Kehakiman Republik Indonesia melalui Surat its Decision Letter No. C2-4903.HT.01.01.TH 93
Keputusan No. C2-4903.HT.01.01.TH 93 dated June 19, 1993 and was registered at the
tanggal 19 Juni 1993 dan telah didaftarkan pada State Court Secretary in North Jakarta
Kepaniteraan Pengadilan Negeri Jakarta Utara No. 342/Leg/1993 dated June 29, 1993 also was
No. 342/Leg/1993 tanggal 29 Juni 1993 serta published in Supplement No. 2602 to the State
telah diumumkan dalam Berita Negara Republik Gazette of the Republic of Indonesia
Indonesia No. 39, Tambahan No. 2602 tanggal No. 39 dated May 15, 1998. The Bank’s articles
15 Mei 1998. Anggaran Dasar Bank telah of association has been amended several times,
beberapa kali mengalami perubahan, perubahan and the latest was based on Notarial Deed
terakhir Anggaran Dasar dengan Akta No. 26 No. 26 dated July 2, 2024 of Fathiah Helmi, S.H.,
tanggal 2 Juli 2024 yang dibuat dihadapan a notary in Jakarta which has been
Fathiah Helmi, S.H., Notaris di Jakarta yang approved by Ministry of Law and Human Rights
telah mendapatkan Penerimaan Pemberitahuan of the Republic of Indonesia
Perubahan Anggaran Dasar dari Kementerian No. AHU-AH.01.03.0167336 dated July 2, 2024
Hukum dan Hak Asasi Manusia Republik and has been accepted and recorded in
Indonesia No. AHU-AH.01.03.0167336 tanggal database of Legal Entities Administration System
2 Juli 2024 dan telah diterima dan dicatat dalam of the Ministry of Law and Human Rights of the
database Sistem Administrasi Badan Hukum Republic of Indonesia in its Letter
Kementerian Hukum dan Hak Asasi Manusia No. AHU-0131745.AH.01.11 dated July 2, 2024.
Republik Indonesia No. AHU-0131745.AH.01.11
Tahun 2024 tanggal 2 Juli 2024.
Sesuai dengan Pasal 3 anggaran dasar Bank, According to Article 3 of the Bank’s articles of
ruang lingkup kegiatan Bank adalah association, the scope of Bank’s activities is to
menjalankan usaha sebagai bank umum sesuai engage in commercial banking activities in
dengan ketentuan dan perundang-undangan accordance with the existing regulations. The
yang berlaku. Bank mulai beroperasi secara Bank commenced its commercial operations on
komersial pada tanggal 5 Oktober 1994 sesuai October 5, 1994 based on the operating
dengan izin usaha yang diberikan oleh Menteri license from the Ministry of Finance of the
Keuangan Republik Indonesia dalam Surat Republic of Indonesia in its Decision Letter
Keputusan No. 402/KMK.017/1994 tanggal No. 402/KMK.017/1994 dated August 10, 1994.
10 Agustus 1994.
Bank telah mendapatkan izin menjadi bank Bank was approved as a foreign exchange bank
devisa pada tanggal 13 Desember 2016 sesuai on December 13, 2016 in accordance with
dengan Surat Kepala Departemen Perizinan dan Head of Licensing and Banking Information
Informasi Perbankan - Otoritas Jasa Keuangan Department Letter - Financial Services Authority
No. S-423/PB.12/2016 dan efektif beroperasi (“OJK”) No. S-423/PB.12/2016 and effectively
menjadi bank devisa pada tanggal 20 Februari commenced as a foreign exchange bank on
2017. Bank memperoleh izin usaha sebagai February 20, 2017. The Bank obtained a license
pedagang valuta asing dari Bank Indonesia as money changer from Bank Indonesia based
berdasarkan Surat No. 029/126/UOPM tanggal on Letter No. 029/126/UOPM dated March 25,
25 Maret 1997. 1997.
10
Page 485
The original financial statements included herein are in
Indonesian language.
PT BANK VICTORIA INTERNATIONAL Tbk PT BANK VICTORIA INTERNATIONAL Tbk
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
Tanggal 31 Desember 2024 dan untuk As of December 31, 2024 and
Tahun yang Berakhir pada Tanggal tersebut for the Year Ended
(Disajikan dalam ribuan Rupiah, (Expressed in thousands of Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
1. INFORMASI UMUM (lanjutan) 1. GENERAL INFORMATION (continued)
a. Pendirian dan informasi umum (lanjutan) a. Establishment and general information
(continued)
Kantor Pusat Bank berlokasi di Graha BIP Lantai The Bank’s Head Office is located at Graha BIP
10, Jalan Gatot Subroto Kav. 23 Jakarta. 10th Floor, Jalan Gatot Subroto Kav. 23 Jakarta.
Bank memiliki kantor pusat, dengan kantor The Bank has operational head office and a
cabang utama, kantor cabang pembantu, dan number of branches, sub-branches, and cash
kantor kas sebagai berikut (tidak diaudit): offices as follows (unaudited):
31 Desember/December 31,
2024 2023
Kantor Pusat 1 1 Head Office
Kantor Cabang 14 14 Branches
Kantor Cabang Pembantu 24 24 Sub-Branches
b. Penawaran umum saham dan penerbitan b. Public offering of the Bank’s shares and
obligasi Bank issuance of bonds
Penawaran umum saham Public offering of shares
Pada tanggal 4 September 1999, Bank On September 4, 1999, the Bank obtained an
memperoleh pernyataan efektif dari Ketua effective notification from the Chairman of the
Badan Pengawas Pasar Modal (Bapepam) Capital Market Supervisory Agency (Bapepam)
melalui Surat No. S-835/PM/1999 untuk through Letter No. S-835/PM/1999 to conduct an
melakukan penawaran umum perdana kepada initial public offering of 250,000,000 shares with
masyarakat sejumlah 250.000.000 saham a par value and an offering price of Rp100 (full
dengan nilai nominal dan harga penawaran amount) per share and 80,000,000 Series I
sebesar Rp100 (nilai penuh) per saham dan Warrants. On September 30, 1999, the Bank’s
sejumlah 80.000.000 Waran Seri I. Pada tanggal shares have been listed in Jakarta Stock
30 September 1999, saham tersebut telah Exchange.
dicatatkan pada Bursa Efek Jakarta.
Pada tanggal 14 Agustus 2000, Bank On August 14, 2000, the Bank obtained an
memperoleh pernyataan efektif dari Ketua effective notification from the Chairman of
Bapepam melalui Surat No.S-2044/PM/2000 Bapepam through Letter No. S-2044/PM/2000 to
untuk melakukan Penawaran Umum Terbatas conduct Limited Public Offering (LPO) I to issue
(PUT) I kepada para pemegang saham dalam Preemptive Rights of 614,000,000 shares with a
rangka penerbitan Hak Memesan Efek Terlebih par value of Rp100 (full amount) and an offering
Dahulu sejumlah 614.000.000 saham dengan price of Rp115 (full amount) per share and
nilai nominal sebesar Rp100 (nilai penuh) dan 85,960,000 Series II Warrants. On September
harga penawaran sebesar Rp115 (nilai penuh) 28, 2000, these shares had been listed in Jakarta
per saham dan sejumlah 85.960.000 Waran Seri Stock Exchange. From LPO I, the shares that
II. Pada tanggal 28 September 2000, saham were undertaken by the entitled shareholders
tersebut telah dicatatkan pada Bursa Efek was 100,000,000 shares.
Jakarta. Dari PUT I ini, jumlah yang diambil oleh
pemegang saham yang berhak sejumlah
100.000.000 saham.
Pada tanggal 21 Februari 2003, Bank On February 21, 2003, the Bank obtained an
memperoleh pernyataan efektif dari Ketua effective notification from the Chairman of
Bapepam melalui Surat No. S-36/PM/2003 untuk Bapepam through Letter No. S-36/PM/2003 to
melakukan PUT II dengan Hak Memesan Efek conduct LPO II to issue Pre-emptive Rights of
Terlebih Dahulu sejumlah 705.243.360 saham 705,243,360 shares with a par value and an
dengan nilai nominal dan harga penawaran offering price of Rp100 (full amount) per share
sebesar Rp100 (nilai penuh) per saham dan and 423,146,016 Series III Warrants.
sejumlah 423.146.016 Waran Seri III.
11
Page 486
The original financial statements included herein are in
Indonesian language.
PT BANK VICTORIA INTERNATIONAL Tbk PT BANK VICTORIA INTERNATIONAL Tbk
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
Tanggal 31 Desember 2024 dan untuk As of December 31, 2024 and
Tahun yang Berakhir pada Tanggal tersebut for the Year Ended
(Disajikan dalam ribuan Rupiah, (Expressed in thousands of Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
1. INFORMASI UMUM (lanjutan) 1. GENERAL INFORMATION (continued)
b. Penawaran umum saham dan penerbitan b. Public offering of the Bank’s shares and
obligasi Bank (lanjutan) issuance of bonds (continued)
Penawaran umum saham (lanjutan) Public offering of shares (continued)
Pada tanggal 20 Maret 2003, saham tersebut On March 20, 2003, these shares had been listed
telah dicatatkan pada Bursa Efek Jakarta. Dari in Jakarta Stock Exchange. From LPO II, the
PUT II ini, jumlah yang diambil oleh pemegang shares that were undertaken by the entitled
saham yang berhak sejumlah 400.000.000 shareholders was 400,000,000 shares.
saham.
Pada tanggal 12 September 2006, Bank On September 12, 2006, the Bank obtained an
memperoleh pernyataan efektif dari Ketua effective notification from the Chairman of Capital
Badan Pengawas Pasar Modal dan Lembaga Market and Financial Institutions Supervisory
Keuangan (Bapepam dan LK) melalui Surat Agency (Bapepam and LK) through Letter
No. S-452/BL/2006 untuk melakukan PUT III No. S-452/BL/2006 to conduct LPO III of
sejumlah 670.363.760 saham dengan nilai 670,363,760 shares with a par value of Rp100
nominal sebesar Rp100 (nilai penuh) dan harga (full amount) and an offering price of Rp115 (full
penawaran sebesar Rp115 (nilai penuh) per amount) per share and 469,277,676 Series IV
saham dan sebanyak-banyaknya 469.277.676 Warrants. On July 13, 2006, these shares had
Waran Seri IV. Pada tanggal 13 Juli 2006, saham been listed in Indonesia Stock Exchange. From
tersebut telah dicatatkan pada Bursa Efek LPO III, the shares that were undertaken by the
Indonesia. Dari PUT III ini, jumlah yang diambil entitled shareholders was 670,363,760 shares.
oleh pemegang saham yang berhak sejumlah
670.363.760 saham.
Pada tanggal 26 Juni 2008, Bank memperoleh On June 26, 2008, the Bank obtained an effective
pernyataan efektif dari Ketua Bapepam dan LK notification from the Chairman
melalui Surat No. S-4114/BL/2008 untuk of Bapepam and LK through Letter
melakukan PUT IV sejumlah 1.167.498.560 No. S-4114/BL/2008 to conduct LPO IV of
saham dengan nilai nominal dan harga 1,167,498,560 shares with a par value and an
penawaran sebesar Rp100 (nilai penuh) per offering price of Rp100 (full amount) per share
saham dan sejumlah 630.449.220 Waran and 630,449,220 Series V Warrants.
Seri V.
Pada tanggal 17 September 2011, Bank On September 17, 2011, the Bank obtained
memperoleh pernyataan efektif dari Ketua an effective notification from the Chairman
Bapepam dan LK melalui Surat of Bapepam and LK through Letter
No. S-6737/BL/2011 untuk melakukan PUT V No. S-6737/BL/2011 to conduct LPO V of
sejumlah 1.954.919.259 saham dengan nilai 1,954,919,259 shares with a par value and an
nominal dan harga penawaran sebesar Rp100 offering price of Rp100 (full amount) per share
(nilai penuh) per saham dan sejumlah and 1,448,939,990 Series VI Warrants.
1.448.939.990 Waran Seri VI.
Berikut adalah kronologis jumlah modal saham The chronological overview of total issued and
yang ditempatkan dan disetor penuh serta fully paid capital and shares listed at stock
saham yang dicatatkan pada bursa efek di exchange in Indonesia from Initial Public Offering
Indonesia sejak Penawaran Umum Perdana up to December 31, 2024 is as follows:
sampai dengan tanggal 31 Desember 2024:
Jumlah saham/
Number of shares
Saham yang berasal dari Penawaran Umum Shares from Initial Public
Perdana pada tahun 1999 250.000.000 Offering in 1999
Saham yang berasal dari pendiri 250.000.000 Founder’s shares
Saham yang berasal dari kapitalisasi Shares from capitalisation of
saldo laba 34.000.000 retained earnings
12
Page 487
The original financial statements included herein are in
Indonesian language.
PT BANK VICTORIA INTERNATIONAL Tbk PT BANK VICTORIA INTERNATIONAL Tbk
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
Tanggal 31 Desember 2024 dan untuk As of December 31, 2024 and
Tahun yang Berakhir pada Tanggal tersebut for the Year Ended
(Disajikan dalam ribuan Rupiah, (Expressed in thousands of Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
1. INFORMASI UMUM (lanjutan) 1. GENERAL INFORMATION (continued)
b. Penawaran umum saham dan penerbitan b. Public offering of the Bank’s shares and
obligasi Bank (lanjutan) issuance of bonds (continued)
Penawaran umum saham (lanjutan) Public offering of shares (continued)
Berikut adalah kronologis jumlah modal saham The chronological overview of total issued and
yang ditempatkan dan disetor penuh serta fully paid capital and shares listed at stock
saham yang dicatatkan pada bursa efek di exchange in Indonesia from Initial Public Offering
Indonesia sejak Penawaran Umum Perdana up to December 31, 2024 is as follows:
sampai dengan tanggal 31 Desember 2024: (continued)
(lanjutan)
Jumlah saham/
Number of shares
Saham yang berasal dari Penawaran Umum Shares from Limited Public Offering with
Terbatas I dengan Hak Memesan Efek Preemptive Rights
Terlebih Dahulu pada tahun 2000 100.000.000 (Rights Issue) I in 2000
Saham yang berasal dari Pelaksanaan Shares from Exercise of
Waran Seri I dan II pada tahun 2002 66.793.400 Series I and II Warrants in 2002
Saham yang berasal dari Penawaran Umum Shares from Limited Public Offering
Terbatas II dengan Hak Memesan Efek with Preemptive Rights
Terlebih Dahulu pada tahun 2003 400.000.000 (Rights Issue) II in 2003
Saham yang berasal dari Pelaksanaan Shares from Exercise of
Waran Seri III pada tahun 2004 193.799.960 Series III Warrants in 2004
Saham yang berasal dari Pelaksanaan Shares from Exercise of
Waran Seri III pada tahun 2006 46.200.000 Series III Warrants in 2006
Saham yang berasal dari Penawaran Umum Shares from Limited Public Offering
Terbatas III dengan Hak Memesan Efek with Preemptive Rights
Terlebih Dahulu pada tahun 2006 670.363.760 (Rights Issue) III in 2006
Saham yang berasal dari Pelaksanaan Shares from Exercise of
Waran Seri IV pada tahun 2007 323.840.000 Series IV Warrants in 2007
Saham yang berasal dari Penawaran Umum Shares from Limited Public Offering
Terbatas IV dengan Hak Memesan Efek with Preemptive Rights
Terlebih Dahulu pada tahun 2008 1.167.498.560 (Rights Issue) IV in 2008
Saham yang berasal dari Pelaksanaan Shares from Exercise of
Waran Seri IV dan V pada tahun 2009 344.244.500 Series IV and V Warrants in 2009
Saham yang berasal dari Pelaksanaan Shares from Exercise of
Waran Seri IV dan V pada tahun 2010 249.707.135 Series IV and V Warrants in 2010
Saham yang berasal dari Penawaran Umum Shares from Limited Public Offering
Terbatas V dengan Hak Memesan Efek with Preemptive Rights
Terlebih Dahulu pada tahun 2011 1.954.919.259 (Rights Issue) V in 2011
Saham yang berasal dari Penerbitan Saham Shares from Issuance of
Tanpa Hak Memesan Efek Terlebih Shares without
Dahulu pada tahun 2011 414.580.000 Preemptive Rights in 2011
Saham yang berasal dari Pelaksanaan Shares from Exercise of
Waran Seri IV dan V pada tahun 2011 81.724.314 Series IV and V Warrants in 2011
Saham yang berasal dari Pelaksanaan Shares from Exercise of
Waran Seri V dan VI pada tahun 2012 56.673.554 Series V and VI Warrants in 2012
Saham yang berasal dari Pelaksanaan Shares from Exercise of
Waran Seri V dan VI pada tahun 2013 25.923.831 Series V and VI Warrants in 2013
Saham yang berasal dari Pelaksanaan Shares from Exercise of
Waran Seri VI pada tahun 2014 508.898.707 Series VI Warrants in 2014
Saham yang berasal dari Pelaksanaan Shares from Exercise of
Waran Seri VI pada tahun 2015 300 Series VI Warrants in 2015
Saham yang berasal dari Pelaksanaan Shares from Exercise of
Waran Seri VI pada tahun 2016 751.486.547 Series VI Warrants in 2016
Saham yang berasal dari Penerbitan Saham Shares from Exercise of
Tanpa Hak Memesan Efek Additional Shares Without
Terlebih Dahulu pada tahun 2016 780.394.335 Preemptive Rights in 2016
Saham yang berasal dari Penerbitan Saham Shares from Exercise of
Tanpa Hak Memesan Efek Additional Shares Without
Terlebih Dahulu pada tahun 2019 280.898.877 Preemptive Rights in 2019
Saham yang berasal dari Penerbitan Saham Shares from Exercise of
Tanpa Hak Memesan Efek Additional Shares Without
Terlebih Dahulu pada tahun 2021 1.535.185.529 Preemptive Rights in 2021
13
Page 488
The original financial statements included herein are in
Indonesian language.
PT BANK VICTORIA INTERNATIONAL Tbk PT BANK VICTORIA INTERNATIONAL Tbk
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
Tanggal 31 Desember 2024 dan untuk As of December 31, 2024 and
Tahun yang Berakhir pada Tanggal tersebut for the Year Ended
(Disajikan dalam ribuan Rupiah, (Expressed in thousands of Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
1. INFORMASI UMUM (lanjutan) 1. GENERAL INFORMATION (continued)
b. Penawaran umum saham dan penerbitan b. Public offering of the Bank’s shares and
obligasi Bank (lanjutan) issuance of bonds (continued)
Penawaran umum saham (lanjutan) Public offering of shares (continued)
Berikut adalah kronologis jumlah modal saham The chronological overview of total issued and
yang ditempatkan dan disetor penuh serta fully paid capital and shares listed at Indonesia
saham yang dicatatkan pada Bursa Efek Stock Exchange from Initial Public Offering up to
Indonesia sejak Penawaran Umum Perdana December 31, 2024 is as follows: (continued)
sampai dengan tanggal 31 Desember 2024:
(lanjutan)
Jumlah saham/
Number of shares
Saham yang berasal dari Penawaran Umum Shares from Limited Public Offering
Terbatas VI dengan Hak Memesan Efek with Preemptive Rights
Terlebih Dahulu pada tahun 2022 2.553.461.919 (Rights Issue) VI in 2022
Saham yang berasal dari Penawaran Umum Shares from Limited Public Offering
Terbatas VII dengan Hak Memesan Efek with Preemptive Rights
Terlebih Dahulu pada tahun 2022 2.807.640.227 (Rights Issue) VII in 2022
Saham yang berasal dari Pelaksanaan Shares from Exercise of
Waran Seri VII pada tahun 2023 1.064 Series VII Warrants in 2023
Saham yang berasal dari Pelaksanaan Shares from Exercise of
Waran Seri VII pada tahun 2024 297.128 Series VII Warrants in 2024
Jumlah modal saham yang ditempatkan dan
disetor penuh 15.848.532.906 *) Total issued and fully paid capital
*) Jumlah modal saham yang ditempatkan dan disetor penuh Number of shares issued and fully paid *)
termasuk 1% saham yang tidak diperdagangkan pada includes 1% of delisted shares in the Indonesia Stock
PT Bursa Efek Indonesia (delisted) sesuai ketentuan Exchange accordance with Government Regulation
Peraturan Pemerintah RI No. 29 tahun 1999. No. 29 Year 1999.
Penawaran umum obligasi Public offering of bonds
Pada tanggal 28 Desember 1999, Bank On December 28, 1999, the Bank obtained an
memperoleh pernyataan efektif dari Ketua effective notification from the Chairman of
Bapepam melalui Surat No. S-2683/PM/1999 Bapepam through Letter No. S-2683/PM/1999 for
untuk melakukan penawaran umum Obligasi the public offering of Bank Victoria Bonds I Year
Bank Victoria I Tahun 2000 sejumlah 2000 amounting to Rp100,000,000. On March
Rp100.000.000. Pada tanggal 14 Maret 2000, 14, 2000, the Bonds had been listed in Surabaya
Obligasi tersebut telah dicatatkan pada Bursa Stock Exchange.
Efek Surabaya.
Pada tanggal 9 Maret 2007, Bank memperoleh On March 9, 2007, the Bank obtained an effective
pernyataan efektif dari Ketua Bapepam dan LK notification from the Chairman of Bapepam and
melalui Surat No. S-1080/BL/2007 untuk LK through Letter No. S-1080/BL/2007 for the
melakukan penawaran umum Obligasi Bank public offering of Bank Victoria Bonds II Year
Victoria II Tahun 2007 dan Obligasi Subordinasi 2007 and Bank Victoria Subordinated Bonds I
Bank Victoria I Tahun 2007 masing-masing Year 2007, each amounting to Rp200,000,000.
sejumlah Rp200.000.000. Pada tanggal On March 22, 2007, the Bonds had been listed in
22 Maret 2007, Obligasi-obligasi tersebut telah Indonesia Stock Exchange.
dicatatkan pada Bursa Efek Indonesia.
14
Page 489
The original financial statements included herein are in
Indonesian language.
PT BANK VICTORIA INTERNATIONAL Tbk PT BANK VICTORIA INTERNATIONAL Tbk
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
Tanggal 31 Desember 2024 dan untuk As of December 31, 2024 and
Tahun yang Berakhir pada Tanggal tersebut for the Year Ended
(Disajikan dalam ribuan Rupiah, (Expressed in thousands of Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
1. INFORMASI UMUM (lanjutan) 1. GENERAL INFORMATION (continued)
b. Penawaran umum saham dan penerbitan b. Public offering of the Bank’s shares and
obligasi Bank (lanjutan) issuance of bonds (continued)
Penawaran umum obligasi (lanjutan) Public offering of bonds (continued)
Pada tanggal 19 September 2012, Bank On September 19, 2012, the Bank obtained
memperoleh pernyataan efektif dari an effective notification from the Chairman
Ketua Bapepam dan LK melalui Surat of Bapepam and LK through Letter
No. S-7574/BL/2012 untuk melakukan No. S-7574/BL/2012 for the public offering
penawaran umum Obligasi Bank Victoria III of Bank Victoria Bonds III Year 2012 and
Tahun 2012 dan Obligasi Subordinasi Bank Bank Victoria Subordinated Bonds II
Victoria II Tahun 2012 masing-masing sejumlah Year 2012, amounting to Rp200,000,000
Rp200.000.000 dan Rp300.000.000. Pada and Rp300,000,000, respectively. On
tanggal 28 September 2012, Obligasi-obligasi September 28, 2012, the Bonds had been listed
tersebut telah dicatatkan pada Bursa Efek in Indonesia Stock Exchange.
Indonesia.
Pada tanggal 21 September 2017, Bank On September 21, 2017, the Bank obtained the
memperoleh pernyataan efektif dari Dewan notice of effectivity from Financial Services
Komisioner Otoritas Jasa Keuangan (“OJK”) Authority Board of Commissioner through Letter
melalui Surat No. S-340/D.04/2017 untuk No. S-340/D.04/2017 for the public offering of
melakukan penawaran umum Obligasi Continuing Bonds I Bank Victoria Phase I year
Berkelanjutan I Bank Victoria Tahap I Tahun 2017 and Subordinated Bonds I Bank Victoria
2017 dan Obligasi Subordinasi Berkelanjutan I Phase I Year 2017 in amount of
Bank Victoria Tahap I Tahun 2017 masing- Rp300,000,000 and Rp50,000,000, respectively.
masing sejumlah Rp300.000.000 dan On July 12, 2017, these bonds were listed on the
Rp50.000.000. Pada tanggal 12 Juli 2017, Indonesia Stock Exchange.
Obligasi-obligasi tersebut telah dicatatkan pada
Bursa Efek Indonesia.
Pada tanggal 5 September 2018, Bank On September 5, 2018, Bank continues the
melakukan Penawaran Umum Obligasi Public Offering of Bank Victoria Continuing
Berkelanjutan I Bank Victoria Tahap II Tahun Bonds I Phase II Year 2018 and Bank Victoria
2018 dan Obligasi Subordinasi Berkelanjutan I Subordinated Bonds I Phase II Year 2018. The
Bank Victoria Tahap II Tahun 2018. Obligasi Continuing Bonds offered comprise of 2 (two)
Berkelanjutan yang ditawarkan terdiri dari series, Series A amounted to Rp100,000,000 and
2 (dua) seri Obligasi, yaitu Seri A Series B amounted to Rp200,000,000, while the
sejumlah Rp100.000.000 dan Seri B sejumlah Subordinated Bonds offered amounted to
Rp200.000.000, sedangkan Obligasi Rp350,000,000.
Subordinasi sebesar Rp350.000.000.
Pada tanggal 24 September 2019, Bank On September 24, 2019, Bank obtained an
memperoleh pernyataan efektif dari Dewan effective notification from the Chairman of FSA
Komisioner Otoritas Jasa Keuangan (“OJK”) through Letter No. S-85/D.04/2019 for
melalui Surat No. S-85/D.04/2019 untuk continuous offering of Continuing Bonds II Phase
melakukan Penawaran Umum Berkelanjutan I Year 2019 and Bank Victoria Subordinated
Obligasi Berkelanjutan II Bank Victoria Tahap I Bonds II Phase I Year 2019, which has been
Tahun 2019 dan Obligasi Subordinasi listed on the Indonesia Stock Exchange on July
Berkelanjutan II Bank Victoria Tahap I Tahun 1, 2019, amounting to Rp100,000,000 and
2019 serta telah dicatatkan pada Bursa Efek Rp250,000,000, respectively.
Indonesia 1 Juli 2019 masing-masing sejumlah
Rp100.000.000 dan Rp250.000.000.
Pada tanggal 8 November 2019, Bank On November 8, 2019, the Bank issued Bank
menerbitkan Obligasi Subordinasi Berkelanjutan Victoria Continuing Subordinated Bonds II Phase
II Bank Victoria Tahap II Tahun 2019 sebesar II Year 2019 amounting to Rp150,000,000.
Rp150.000.000.
15
Page 490
The original financial statements included herein are in
Indonesian language.
PT BANK VICTORIA INTERNATIONAL Tbk PT BANK VICTORIA INTERNATIONAL Tbk
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
Tanggal 31 Desember 2024 dan untuk As of December 31, 2024 and
Tahun yang Berakhir pada Tanggal tersebut for the Year Ended
(Disajikan dalam ribuan Rupiah, (Expressed in thousands of Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
1. INFORMASI UMUM (lanjutan) 1. GENERAL INFORMATION (continued)
b. Penawaran umum saham dan penerbitan b. Public offering of the Bank’s shares and
obligasi Bank (lanjutan) issuance of bonds (continued)
Penawaran umum obligasi (lanjutan) Public offering of bonds (continued)
Pada tanggal 1 April 2020, Bank menerbitkan On April 1, 2020, the Bank issued Bank Victoria
Obligasi Subordinasi Berkelanjutan II Bank Continuing Subordinated Bonds II Phase III Year
Victoria Tahap III Tahun 2020 sebesar 2020 amounting to Rp60,000,000.
Rp60.000.000.
Pada tanggal 28 Februari 2023, Bank On February 28, 2023, the Bank received an
memperoleh pernyataan efektif dari Dewan effective statement from the Financial Services
Komisioner Otoritas Jasa Keuangan ("OJK") Authority's ("OJK") Board of Commissioners
melalui Surat No. S-64/D.04/2023 untuk through Letter No. S-64/D.04/2023 to conduct a
melakukan Penawaran Umum Berkelanjutan Continuing Public Offering of Bank Victoria
Obligasi Berkelanjutan III Bank Victoria Tahap I Continuing Bonds III Phase I Year 2023 Series A
Tahun 2023 Seri A dan Obligasi Berkelanjutan III and Bank Victoria Continuing Bonds III Phase I
Bank Victoria Tahap I Tahun 2023 Seri B serta Year 2023 Series B, which were listed on the
telah dicatatkan pada Bursa Efek Indonesia pada Indonesian Stock Exchange on March 10, 2023,
tanggal 10 Maret 2023 masing-masing sejumlah each amounting to Rp300,000,000 and
Rp300.000.000 dan Rp200.000.000. Rp200,000,000 respectively.
Pada tanggal 28 Juni 2024, Bank memperoleh On June 28, 2024, the Bank received an effective
pemberitahuan efektifnya pernyataan statement from the Financial Services Authority's
pendaftaran dari Dewan Komisioner Otoritas ("OJK") Board of Commissioners through Letter
Jasa Keuangan (“OJK”) melalui Surat No. S-87/D.04/2024 for the public offering of
No. S-87/D.04/2024 dalam rangka melakukan Bank Victoria Continuing Subordinated Bonds III
Penawaran Umum Obligasi Subordinasi Phase I Year 2024, which were listed on the
Berkelanjutan III Bank Victoria Tahap I Tahun Indonesian Stock Exchange on July 12, 2024,
2024 serta telah dicatatkan pada Bursa Efek amounting to Rp500,000,000.
Indonesia pada tanggal 12 Juli 2024 sejumlah
Rp500.000.000.
Pada tanggal 12 Juli 2024, Bank menerbitkan On July 12, 2024, the Bank issued Bank Victoria
Obligasi Berkelanjutan III Bank Victoria Tahap II Continuing Bonds III Phase II Year 2024
Tahun 2024 sebesar Rp500.000.000 (lihat amounting to Rp500,000,000 (refer to Note 21).
Catatan 21).
c. Entitas anak dan asosiasi c. Subsidiaries and associate entity
Entitas anak Subsidiaries
Bank merupakan pemegang saham pengendali The Bank is the controlling stockholder and has
dan memiliki pengaruh signifikan atas Entitas a significant control over the Subsidiaries as
anak sebagai berikut: follows:
Jumlah aset/
Persentase Total Assets
Jenis usaha/ kepemilikan/ 31 Desember/ 31 Desember/
Entitas Anak/ Nature of Percentage of December 31, December 31,
Subsidiary business ownership 2024 2023
Reksadana / Mutual Funds:
Batavia Proteksi Reksadana
Andalan 7 Terproteksi 100% 162.787.521 154.465.120
Mega Dana Reksadana
Terproteksi VIII Terproteksi 100% 42.499.762 42.485.675
Maybank Dana Reksadana
Terproteksi 1 Terproteksi - - 44.746.823
16
Page 491
The original financial statements included herein are in
Indonesian language.
PT BANK VICTORIA INTERNATIONAL Tbk PT BANK VICTORIA INTERNATIONAL Tbk
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
Tanggal 31 Desember 2024 dan untuk As of December 31, 2024 and
Tahun yang Berakhir pada Tanggal tersebut for the Year Ended
(Disajikan dalam ribuan Rupiah, (Expressed in thousands of Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
1. INFORMASI UMUM (lanjutan) 1. GENERAL INFORMATION (continued)
c. Entitas anak dan asosiasi (lanjutan) c. Subsidiaries and associate entity
Entitas asosiasi Associate entity
Tahun operasi Jumlah aset/
Persentase komersial/ Total Assets
Jenis usaha/ kepemilikan/ Start of 31 Desember/ 31 Desember/
Entitas Asosiasi/ Nature of Percentage of commercial December 31, December 31,
Associate Entity business ownership operations 2024 2023
PT Bank Victoria
Syariah Sharia banking 19,81% 1966 3.314.468.601 3.082.278.949
Berdasarkan Akta Notaris Veronika Lily Dharma, Based on Notarial Deed No. 15 dated
S.H. No. 15 tanggal 7 September 2007, Notaris September 7, 2007 of Veronika Lily Dharma,
di Jakarta, Bank mengakuisisi 99,80% saham S.H., a Notary in Jakarta, the Bank acquired
PT Bank Swaguna (“Entitas Anak”). Pada 99.80% shareholding of PT Bank Swaguna
tanggal 13 Desember 2007, Bank melakukan (“Subsidiary”). On December 13, 2007, the Bank
penambahan modal di Entitas Anak sehingga had an additional capital in the Subsidiary which
kepemilikan Bank menjadi 99,98% sesuai increased the Bank’s ownership to 99.98% based
dengan Akta Notaris Veronika Lily Dharma, S.H. on Notarial Deed No. 26 of Veronika Lily Dharma,
No. 26 tanggal 13 Desember 2007. S.H. dated December 13, 2007.
Pada tanggal 30 Maret 2017 dan 18 Desember On March 30, 2017 and December 18, 2017,
2017, setelah mendapatkan persetujuan OJK after obtaining approval from OJK based on
berdasarkan Surat No. S-33/PB.33/2017 tanggal Letter No. S-33/PB.33/2017 dated March 30,
30 Maret 2017 dan No. S-170/PB.33/2017 2017 and No. S-170/PB.33/2017 dated
tanggal 18 Desember 2017, Bank melakukan December 18, 2017, the Bank put additional
penambahan modal pada Entitas Anak sebesar capital of Rp60,000,000,000 and
Rp60.000.000.000 dan Rp40.000.000.000 Rp40,000,000,000 (full amount) into Subsidiary,
(nilai penuh) sehingga kepemilikan Bank menjadi which increase the Bank’s ownership to 99.99%.
99,99%.
Pada tanggal 24 Oktober 2019, Bank melakukan On October 24, 2019, the Bank put additional
penambahan modal pada Entitas Anak sebesar capital of Rp50,000,000,000 (full amount) into
Rp50.000.000.000 (nilai penuh) sehingga Subsidiary, which increase the Bank’s ownership
kepemilikan Bank menjadi 99,99% dan telah to 99.99% and obtained the approval from OJK
mendapatkan persetujuan OJK berdasarkan based on Letter No. S-53/PB.33/2019 dated
Surat No. S-53/PB.33/2019 tanggal October 22, 2019.
22 Oktober 2019.
Entitas Anak telah mengalami perubahan nama The Subsidiary changed its name to PT Bank
menjadi PT Bank Victoria Syariah sesuai dengan Victoria Syariah based on Deed No. 5 dated
Akta No. 5 tanggal 6 Agustus 2009 dan Akta August 6, 2009 and No. 24 dated November 27,
No. 24 tanggal 27 November 2009 dari Notaris 2009 of Erni Rohaini, S.H., M.B.A., a Notary in
Erni Rohaini, S.H., M.B.A., Notaris di Jakarta. Jakarta. The notarial deed was approved by the
Akta tersebut telah disetujui oleh Menteri Hukum Ministry of Law and Human Rights of the
dan Hak Asasi Manusia Republik Indonesia Republic of Indonesia in its Decision Letter
dalam Surat Keputusan No. AHU-02731.AH.01.02 Year 2010 dated
No. AHU-02731.AH.01.02 tahun 2010 tanggal January 19, 2010. The changes of subsidiary’s
19 Januari 2010. Perubahan kegiatan usaha business from conventional banking to sharia
bank umum konvensional menjadi bank umum banking was approved by Bank Indonesia based
syariah telah mendapatkan izin dari Bank on the Decision of the Governor of Bank
Indonesia berdasarkan Keputusan Gubernur Indonesia No. 12/8/KEP.GBI/DPG/2010 dated
Bank Indonesia No. 12/8/KEP.GBI/DPG/2010 February 10, 2010. The Subsidiary started its
tertanggal 10 Februari 2010. Selanjutnya, Entitas operations as a Sharia Bank on April 1, 2010.
Anak beroperasi dengan prinsip Syariah mulai
tanggal 1 April 2010.
17
Page 492
The original financial statements included herein are in
Indonesian language.
PT BANK VICTORIA INTERNATIONAL Tbk PT BANK VICTORIA INTERNATIONAL Tbk
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
Tanggal 31 Desember 2024 dan untuk As of December 31, 2024 and
Tahun yang Berakhir pada Tanggal tersebut for the Year Ended
(Disajikan dalam ribuan Rupiah, (Expressed in thousands of Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
1. INFORMASI UMUM (lanjutan) 1. GENERAL INFORMATION (continued)
c. Entitas Anak dan asosiasi (lanjutan) c. Subsidiaries and associate entity
Entitas asosiasi (lanjutan) Associate entity (continued)
Pada tanggal 22 Desember 2022, Bank On December 22, 2022, Bank divested 80%
melakukan divestasi 80% kepemilikan di entitas ownership in subsidiary, PT Bank Victoria
anak, PT Bank Victoria Syariah, oleh karena itu Syariah, therefore since December 23, 2022,
sejak 23 Desember 2022, Bank tidak lagi Bank is no longer controlled PT Bank Victoria
mengendalikan PT Bank Victoria Syariah. Syariah.
Reksadana Maybank Dana Terproteksi 1 telah Maybank Dana Terproteksi 1 mutual funds have
dilikuidasi pada bulan Januari 2024. been liquidated in January 2024.
d. Dewan Komisaris dan Direksi, Komite dan d. Boards of Commissioners and Directors,
Karyawan Committee and Employees
Susunan Dewan Komisaris dan Direksi Bank The composition of the Bank’s Boards of
pada tanggal 31 Desember 2024 dan 2023 Commissioners and Directors as of
adalah sebagai berikut: December 31, 2024 and 2023 are as follows:
31 Desember/December 31,
2024 2023
Dewan Komisaris Board of Commissioners
Komisaris Utama Zaenal Abidin Zaenal Abidin President
Independen Commissioner
Komisaris Gunawan Gunawan Independent
Independen Tenggarahardja Tenggarahardja Commisioner
Komisaris Sia Leng Ho Sia Leng Ho Commissioner
Direksi Board of Directors
Direktur Utama Achmad Achmad President Director
Friscantono Friscantono
Wakil Direktur Utama Rusli Rusli Vice President Director
Direktur Keuangan Debora Wahjutirto Debora Wahjutirto Finance Director
Tanoyo Tanoyo
Direktur Lembing Lembing Director
Direktur Kepatuhan Tamunan Tamunan Risk Management
dan Manajemen Risiko and Compliance Director
Susunan Dewan Komisaris dan Direksi pada The composition of the Boards of Commissioners
tanggal 31 Desember 2024 dan 2023 tersebut di and Directors as of December 31, 2024 and 2023
atas telah diterima dan dicatat di dalam had been accepted and recorded in the database
database Sistem Administrasi Badan Hukum of Legal Entities Administration System of the
Kementerian Hukum dan Hak Asasi Manusia Ministry of Laws and Human Rights of the
Republik Indonesia berdasarkan Republic of Indonesia in its Letter
Surat No. AHU-AH.01.09-0067031 tanggal No. AHU-AH.01.09-0067031 dated October 19,
19 Oktober 2022. 2022.
Susunan Komite Audit pada tanggal The composition of the Audit Committee as of
31 Desember 2024 dan 2023 adalah sebagai December 31, 2024 and 2023 are as follows:
berikut:
31 Desember/December 31,
2024 2023
Ketua Zaenal Abidin Zaenal Abidin Chairman
Anggota Yozef Yozef Member
Abdulrachman Abdulrachman
Anggota Medi Sejati Medi Sejati Member
18
Page 493
The original financial statements included herein are in
Indonesian language.
PT BANK VICTORIA INTERNATIONAL Tbk PT BANK VICTORIA INTERNATIONAL Tbk
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
Tanggal 31 Desember 2024 dan untuk As of December 31, 2024 and
Tahun yang Berakhir pada Tanggal tersebut for the Year Ended
(Disajikan dalam ribuan Rupiah, (Expressed in thousands of Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
1. INFORMASI UMUM (lanjutan) 1. GENERAL INFORMATION (continued)
d. Dewan Komisaris dan Direksi, Komite dan d. Boards of Commissioners and Directors,
Karyawan (lanjutan) Committee and Employees (continued)
Pembentukan Komite Audit Bank telah sesuai Establishment of the Bank’s Audit Committee is
dengan Peraturan Otoritas Jasa Keuangan in compliance with Financial Service Authority
No. 55/POJK.04/2015 tanggal 23 Desember regulation No. 55/POJK.04/2015 dated
2015 tentang Pembentukan dan Pedoman December 23, 2015 regarding Establishment
Pelaksanaan Kerja Komite Audit dan Peraturan and Guideline for Implementation Duty of Audit
Otoritas Jasa Keuangan No. 17 Tahun 2023 Committee and Financial Service Authority
tanggal 14 September 2023 tentang Penerapan regulation No. 17 Year 2023 dated September
Tata Kelola Bagi Bank Umum. 14, 2023 regarding the Implementation of
Governance for Commercial Banks.
Susunan Komite Pemantau Risiko pada tanggal The composition of the Risk Monitoring
31 Desember 2024 dan 2023 adalah sebagai Committee as of December 31, 2024 and 2023
berikut: are as follows:
31 Desember/December 31,
2024 2023
Ketua Zaenal Abidin Gunawan Chairman
Tenggarahardja
Anggota Gunawan Zaenal Abidin Member
Tenggarahardja
Anggota Yozef Yozef Member
Abdulrachman Abdulrachman
Anggota Medi Sejati Medi Sejati Member
Susunan Komite Nominasi dan Remunerasi The composition of the Nomination and
pada tanggal 31 Desember 2024 dan 2023 Remuneration Committee as of December 31,
adalah sebagai berikut: 2024 and 2023 are as follows:
31 Desember/December 31,
2024 2023
Ketua Gunawan Gunawan Chairman
Tenggarahardja Tenggarahardja
Anggota Sia Leng Ho Sia Leng Ho Member
Anggota Syahda Candra Syahda Candra Member
Sekretaris Perusahaan dan Kepala Internal Audit The Corporate Secretary and Internal Audit Head
pada tanggal 31 Desember 2024 dan 2023 as of December 31, 2024 and 2023 are as
adalah sebagai berikut: follows:
31 Desember/December 31,
2024 2023
Sekretaris Perusahaan Caprie Ardira Caprie Ardira Corporate Secretary
Azhar Azhar
Kepala Internal Audit Djoko Soenjojo Djoko Soenjojo Internal Audit Head
Pada tanggal 31 Desember 2024 dan 2023, As of December 31, 2024 and 2023, the Bank
Bank memiliki karyawan masing-masing had 746 and 713 employees, respectively
sejumlah 746 dan 713 karyawan (tidak diaudit). (unaudited).
e. Pemegang saham akhir e. Ultimate shareholders
Pemegang saham pengendali langsung dan The direct controlling shareholder and ultimate
pemegang saham akhir Bank pada tanggal shareholder of the Bank as of December 31,
31 Desember 2024 dan 2023 adalah masing- 2024 and 2023 are PT Victoria Investama Tbk
masing PT Victoria Investama Tbk dan Suzanna and Suzanna Tanojo, respectively.
Tanojo.
19
Page 494
The original financial statements included herein are in
Indonesian language.
PT BANK VICTORIA INTERNATIONAL Tbk PT BANK VICTORIA INTERNATIONAL Tbk
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
Tanggal 31 Desember 2024 dan untuk As of December 31, 2024 and
Tahun yang Berakhir pada Tanggal tersebut for the Year Ended
(Disajikan dalam ribuan Rupiah, (Expressed in thousands of Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
2. IKHTISAR INFORMASI KEBIJAKAN AKUNTANSI 2. SUMMARY OF MATERIAL ACCOUNTING
MATERIAL POLICIES INFORMATION
Manajemen Bank bertanggungjawab atas The Bank’s management is responsible for the
penyusunan dan penyajian wajar laporan keuangan preparation and fair presentation of these financial
ini sesuai dengan Standar Akuntansi Keuangan di statements, which were completed and authorised for
Indonesia, yang diselesaikan dan diotorisasi untuk issuance by the Board of Directors of the Bank on
diterbitkan oleh Direksi Bank pada tanggal March 6, 2025.
6 Maret 2025.
Kebijakan akuntansi utama yang diterapkan dalam The principal accounting policies adopted in
penyusunan laporan keuangan adalah seperti preparing the financial statements of the Bank are set
dijabarkan di bawah ini: out below:
a. Dasar penyajian laporan keuangan a. Basis of preparation of the financial
statements
Laporan keuangan telah disusun dan disajikan The financial statements were prepared and
sesuai dengan dengan Standar Akuntansi presented in accordance with Indonesian
Keuangan di Indonesia yang mencakup Financial Accounting Standards issued by the
Pernyataan dan Interpretasi yang diterbitkan Board of Financial Accounting Standards of
oleh Dewan Standar Akuntansi Keuangan Ikatan Indonesian Institute of Accountants and the
Akuntan Indonesia dan Dewan Standar Board of Accounting Standards of the
Akuntansi Ikatan Akuntan Indonesia serta Indonesian Institute of Accountants and the
Peraturan Badan Pengawas Pasar Modal dan Regulation of Badan Pengawas Pasar Modal
Lembaga Keuangan (sekarang Otoritas Jasa dan Lembaga Keuangan (currently the
Keuangan (“OJK”)) No. VIII.G.7 tentang Indonesian Financial Service Authority (“OJK”))
“Penyajian dan Pengungkapan Laporan No. VIII.G.7 regarding “Financial Statements
Keuangan Emiten atau Perusahaan Publik”. Presentation Guidelines”.
Laporan keuangan disusun berdasarkan harga The financial statements have been prepared
perolehan kecuali untuk aset keuangan yang under the historical cost convention, except for
diukur pada nilai wajar melalui pendapatan financial assets measure as fair value through
komprehensif lain (“FVOCI”) dan aset keuangan other comprehensive income (“FVOCI”) and
yang diukur pada nilai wajar melalui laporan laba financial assets held at fair value through profit
rugi (“FVTPL”). Laporan keuangan disusun or loss (“FVTPL”). The financial statements are
berdasarkan akuntansi berbasis akrual, kecuali prepared under the accrual basis of accounting,
untuk laporan arus kas. except for the statement of cash flows.
Seluruh angka dalam laporan keuangan ini, All figures in the financial statements are
kecuali dinyatakan secara khusus, dibulatkan rounded to and stated in thousands of Rupiah,
menjadi dan disajikan dalam ribuan Rupiah yang unless otherwise stated.
terdekat.
Laporan arus kas disusun dengan menggunakan The statement of cash flows were prepared
metode langsung dengan mengelompokkan based on the direct method with cash flows
arus kas dalam aktivitas operasi, investasi, dan classified into cash flows from operating,
pendanaan. Untuk tujuan laporan arus kas, kas investing, and financing activities. For the
dan setara kas mencakup kas, giro pada Bank purpose of the statement of cash flows, cash and
Indonesia, giro pada bank lain, penempatan cash equivalents include cash, current accounts
pada Bank Indonesia dan bank lain, dan with Bank Indonesia, current accounts with other
Sertifikat Bank Indonesia yang jatuh tempo banks, placements with Bank Indonesia and
dalam 3 (tiga) bulan atau kurang sejak tanggal other banks, and Certificates of Bank Indonesia
perolehan yang tidak dijaminkan atau dibatasi maturing within 3 (three) months or less from the
penggunaannya. date of acquisition and are not pledged or
restricted.
20
Page 495
The original financial statements included herein are in
Indonesian language.
PT BANK VICTORIA INTERNATIONAL Tbk PT BANK VICTORIA INTERNATIONAL Tbk
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
Tanggal 31 Desember 2024 dan untuk As of December 31, 2024 and
Tahun yang Berakhir pada Tanggal tersebut for the Year Ended
(Disajikan dalam ribuan Rupiah, (Expressed in thousands of Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
2. IKHTISAR INFORMASI KEBIJAKAN AKUNTANSI 2. SUMMARY OF MATERIAL ACCOUNTING
MATERIAL (lanjutan) POLICIES INFORMATION (continued)
a. Dasar penyajian laporan keuangan (lanjutan) a. Basis of preparation of the financial
statements (continued)
Penyusunan laporan keuangan sesuai dengan The preparation of financial statements in
Standar Akuntansi Keuangan di Indonesia accordance with Indonesian Financial
mengharuskan penggunaan estimasi dan Accounting Standards requires the use of
asumsi. Hal tersebut juga mengharuskan estimates and assumptions. It also requires
manajemen untuk membuat pertimbangan management to make judgments in the process
dalam proses penerapan kebijakan akuntansi of implementing the Bank’s accounting policies.
Bank. Area yang kompleks atau memerlukan The area that is complex or requires
tingkat pertimbangan yang lebih tinggi atau area a higher level of consideration or areas where
di mana asumsi dan estimasi dapat berdampak assumptions and estimates could have
signifikan terhadap laporan keuangan a significant impact on the financial statements
diungkapkan di Catatan 3. are disclosed in Note 3.
b. Perubahan kebijakan akuntansi yang b. Change in significant accounting policies
signifikan
Bank menerapkan pertama kali seluruh standar The Bank made first time adoption of all the new
baru dan/atau yang direvisi yang berlaku efektif and/or revised standards effective for the
untuk periode yang dimulai pada atau setelah periods beginning on or after January 1, 2024,
1 Januari 2024, termasuk standar yang direvisi including the following revised standards that
berikut ini yang mempengaruhi laporan have affected the financial statement:
keuangan:
Pilar Standar Akuntansi Keuangan Financial Accounting Standards Pillars
Standar ini memberikan persyaratan dan These standards provides requirements and
pedoman bagi entitas untuk menerapkan guidelines for entities to apply the correct
standar akuntansi keuangan yang benar dalam financial accounting standards in preparing
menyusun laporan keuangan bertujuan umum. general purpose financial statements. There will
Akan ada 4 (empat) standar akuntansi keuangan be 4 (four) financial accounting standards that
yang saat ini diterapkan di Indonesia, yaitu: are currently applied in Indonesia, namely:
1. Pilar 1 Standar Akuntansi Keuangan 1. Pillar 1 International Financial Accounting
Internasional, Standards,
2. Pilar 2 Standar Akuntansi Keuangan 2. Pillar 2 Indonesian Financial Accounting
Indonesia (PSAK), Standards (SFAS),
3. Pilar 3 Standar Akuntansi Keuangan 3. Pillar 3 Indonesian Financial Accounting
Indonesia untuk Entitas Swasta/Standar Standards for Private Entities/Indonesian
Akuntansi Keuangan Indonesia untuk Entitas Financial Accounting Standards for Entities
Tanpa Akuntabilitas Publik, dan without Public Accountability, and
4. Pilar 4 Standar Akuntansi Keuangan 4. Pillar 4 Indonesian Financial Accounting
Indonesia untuk Entitas Mikro Kecil dan Standards for Micro Small and Medium
Menengah. Entities.
Standar Akuntansi Keuangan Internasional International Financial Accounting Standard
Standar ini merupakan adopsi penuh dari This standard is a full-adoption of International
International Financial Reporting Standards Financial Reporting Standards (“IFRS”) which is
(“IFRS”) yang diterjemahkan kata demi kata dan translated in a word-for-word basis and there is
tidak ada modifikasi dari Standar IFRS, no modifications from IFRS Standards,
termasuk tanggal efektifnya. Entitas yang including the effective date. Entities that meet
memenuhi persyaratan dapat menerapkan the requirements can apply this standard, from
standar ini, sejak tanggal efektif. the effective date.
21
Page 496
The original financial statements included herein are in
Indonesian language.
PT BANK VICTORIA INTERNATIONAL Tbk PT BANK VICTORIA INTERNATIONAL Tbk
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
Tanggal 31 Desember 2024 dan untuk As of December 31, 2024 and
Tahun yang Berakhir pada Tanggal tersebut for the Year Ended
(Disajikan dalam ribuan Rupiah, (Expressed in thousands of Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
2. IKHTISAR INFORMASI KEBIJAKAN AKUNTANSI 2. SUMMARY OF MATERIAL ACCOUNTING
MATERIAL (lanjutan) POLICIES INFORMATION (continued)
b. Perubahan kebijakan akuntansi yang b. Change in significant accounting policies
signifikan (lanjutan) (continued)
Nomenklatur Standar Akuntansi Keuangan Financial Accounting Standards Nomenclature
Standar ini ini mengatur penomoran baru untuk This standard regulates the new numbering for
standar akuntansi keuangan yang berlaku di financial accounting standards applicable in
Indonesia yang diterbitkan oleh DSAK IAI. Indonesia issued by DSAK IAI.
Amandemen PSAK 201 (dahulu PSAK 1): Amendment of SFAS 201 (previously SFAS 1):
Liabilitas Jangka Panjang dengan Kovenan Non-current Liabilities with Covenants
Amandemen ini menentukan persyaratan untuk The amendments specify the requirements for
mengklasifikasikan suatu liabilitas sebagai classifying liabilities as current or non-current and
jangka pendek atau jangka panjang dan clarify:
menjelaskan:
· hal yang dimaksud sebagai hak untuk · what is meant by a right to defer settlement,
menangguhkan pelunasan,
· hak untuk menangguhkan pelunasan harus · the right to defer must exist at the end of the
ada pada akhir periode pelaporan, reporting period,
· klasifikasi tersebut tidak dipengaruhi oleh · classification is not affected by the likelihood
kemungkinan entitas akan menggunakan that an entity will exercise its deferral right,
hak nya untuk menangguhkan liabilitas, dan and
· hanya jika derivatif melekat pada liabilitas · only if an embedded derivative in a
konversi tersebut adalah suatu instrumen convertible liability is an equity instrument
ekuitas, maka syarat dan ketentuan dari would the terms and conditions of a liability
suatu liabilitas konversi tidak akan will not impact its classification.
berdampak pada klasifikasinya.
Selain itu, persyaratan telah diperkenalkan untuk In addition, a requirement has been introduced to
mewajibkan pengungkapan ketika suatu require disclosure when a liability arising from a
kewajiban timbul dari pinjaman perjanjian loan
diklasifikasikan sebagai tidak lancar dan hak agreement is classified as non-current and the
entitas untuk menunda penyelesaian bergantung entity’s right to defer settlement is contingent on
pada kepatuhan terhadap persyaratan di masa compliance with future covenants within twelve
depan dalam waktu dua belas bulan. months.
Amandemen PSAK 116 (dahulu PSAK 73): Amendment of SFAS 116 (previously SFAS 73):
Liabilitas Sewa dalam Jual Beli dan Sewa-balik Lease liability in a Sale and Leaseback
Amandemen PSAK 116 (dahulu PSAK 73) Sewa The amendment to SFAS 116 (previously SFAS
menetapkan persyaratan yang digunakan 73) Leases specifies the requirements that a
penjual-penyewa dalam mengukur kewajiban seller-lessee uses in measuring the lease liability
sewa yang timbul dalam transaksi jual beli dan arising in a sale and leaseback transaction, to
sewa-balik, untuk memastikan penjual-penyewa ensure the seller-lessee does not recognise any
tidak mengakui jumlah setiap keuntungan atau amount of the gain or loss that relates to the right
kerugian yang terkait dengan hak guna yang of use it retains.
dipertahankan.
22
Page 497
The original financial statements included herein are in
Indonesian language.
PT BANK VICTORIA INTERNATIONAL Tbk PT BANK VICTORIA INTERNATIONAL Tbk
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
Tanggal 31 Desember 2024 dan untuk As of December 31, 2024 and
Tahun yang Berakhir pada Tanggal tersebut for the Year Ended
(Disajikan dalam ribuan Rupiah, (Expressed in thousands of Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
2. IKHTISAR INFORMASI KEBIJAKAN AKUNTANSI 2. SUMMARY OF MATERIAL ACCOUNTING
MATERIAL (lanjutan) POLICIES INFORMATION (continued)
b. Perubahan kebijakan akuntansi yang b. Change in significant accounting policies
signifikan (lanjutan) (continued)
Amandemen PSAK 207 dan PSAK 107 (dahulu Amendment of SFAS 207 and SFAS 107
PSAK 2 dan PSAK 60): Pengaturan Pembiayaan (previously SFAS 2 and SFAS 60): Supplier
Pemasok Finance Arrangements
Amandemen PSAK 207 dan PSAK 107 (dahulu The amendments to SFAS 207 and SFAS 107
PSAK 2 dan PSAK 60) mengklarifikasi (previously SFAS 2 and SFAS 60) clarify the
karakteristik pengaturan pembiayaan pemasok characteristics of supplier finance arrangements
dan mensyaratkan pengungkapan tambahan and require additional disclosure of such
atas pengaturan pembiayaan pemasok tersebut. arrangements. The disclosure requirements in
Persyaratan pengungkapan dalam amandemen the amendments are intended to assist users of
ini dimaksudkan untuk membantu pengguna financial statements in understanding the
laporan keuangan dalam memahami dampak effects of supplier finance arrangements on an
pengaturan pembiayaan pemasok terhadap entity’s liabilities, cash flows and exposure to
liabilitas, arus kas, dan eksposur terhadap risiko liquidity risk.
likuiditas suatu entitas.
c. Prinsip konsolidasi c. Basis of consolidation
Laporan keuangan konsolidasian meliputi The consolidated financial statements include
laporan keuangan Bank beserta seluruh Entitas the financial statements of the Bank and its
Anak yang berada di bawah pengendalian Bank. Subsidiaries that are controlled by the Bank.
Entitas Anak adalah entitas (termasuk entitas Subsidiaries are all entities (including structured
terstruktur) dimana Bank memiliki pengendalian. entities) over which the Bank has control. The
Bank mengendalikan entitas lain ketika Bank Bank controls an entity when the Bank is
terekspos atas, atau memiliki hak atas imbal exposed to, or has rights to, variable returns
hasil variabel dari keterlibatannya dengan from its involvement with the Subsidiary and has
Entitas Anak dan memiliki kemampuan untuk the ability to affect those returns through its
mempengaruhi imbal hasil tersebut melalui power over the Subsidiary.
kekuasaannya atas Entitas Anak.
Laporan keuangan dari Entitas Anak The financial statements of Subsidiary are
dimasukkan ke dalam laporan keuangan included in the consolidated financial
konsolidasian sejak tanggal pengendalian statements from the date on which control
dimulai sampai dengan tanggal pengendalian commences until the date when control ceases.
berakhir.
Dampak signifikan dari seluruh transaksi dan The significant effects of all transactions and
saldo antara perusahaan-perusahaan yang balances between the consolidated companies
dikonsolidasikan telah dieliminasi dalam have been eliminated in preparing the
penyajian laporan keuangan konsolidasian, consolidated financial statements, accordingly,
sehingga laporan keuangan konsolidasian the consolidated financial statements include
hanya mencakup transaksi dan saldo dengan only transactions and balances with other
pihak lain. parties.
Kebijakan akuntansi penting yang dipakai dalam The significant accounting policies adopted in
penyajian laporan keuangan konsolidasian telah preparing the consolidated financial statements
diterapkan secara konsisten oleh Bank, kecuali have been consistently applied by the Bank,
dinyatakan secara khusus. unless otherwise stated.
Kepentingan nonpengendali disajikan di ekuitas Non-controlling interest is presented as part of
dalam laporan posisi keuangan konsolidasian equity in the consolidated statements of
dan dinyatakan sebesar proporsi pemegang financial position and represents the non-
saham nonpengendali atas laba tahun berjalan controlling shareholder’s proportionate share in
dan ekuitas Entitas Anak tersebut berdasarkan the net income for the year and equity of the
persentase kepemilikan pemegang saham Subsidiary based on the percentage of
nonpengendali pada Entitas Anak tersebut. ownership of the non-controlling shareholders in
the Subsidiary.
23
Page 498
The original financial statements included herein are in
Indonesian language.
PT BANK VICTORIA INTERNATIONAL Tbk PT BANK VICTORIA INTERNATIONAL Tbk
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
Tanggal 31 Desember 2024 dan untuk As of December 31, 2024 and
Tahun yang Berakhir pada Tanggal tersebut for the Year Ended
(Disajikan dalam ribuan Rupiah, (Expressed in thousands of Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
2. IKHTISAR INFORMASI KEBIJAKAN AKUNTANSI 2. SUMMARY OF MATERIAL ACCOUNTING
MATERIAL (lanjutan) POLICIES INFORMATION (continued)
c. Prinsip konsolidasi (lanjutan) c. Basis of consolidation (continued)
Dalam hal pengendalian terhadap Entitas Anak Where Subsidiary either began or ceased to be
dimulai atau diakhiri dalam suatu tahun berjalan, controlled during the year, the results of
maka hasil usaha Entitas Anak yang operations of those Subsidiaries are included in
diperhitungkan ke dalam laporan keuangan the consolidated financial statements only from
konsolidasian hanya sebatas hasil pada saat the date that the control has commenced or up
pengendalian tersebut mulai diperoleh atau to the date that the control has ceased.
hingga saat pengendalian itu berakhir.
d. Aset dan liabilitas keuangan d. Financial assets and liabilities
(i) Aset keuangan (i) Financial assets
Sesuai dengan PSAK 109 (dahulu PSAK In accordance with SFAS 109 (previously
71), terdapat tiga klasifikasi pengukuran SFAS 71), there are three measurement
aset keuangan: classifications for financial assets:
(A) Biaya perolehan diamortisasi; (A) Amortised cost;
(B) Diukur pada nilai wajar melalui laba (B) Fair value through profit or loss
rugi (“FVTPL”); dan (“FVTPL”); and
(C) Diukur pada nilai wajar melalui (C) Fair value through other
penghasilan komprehensif lain comprehensive income (“FVOCI”).
(“FVOCI”).
Aset keuangan diklasifikasikan menjadi Financial assets are classified into these
kategori tersebut di atas berdasarkan model categories based on the business model
bisnis dimana aset keuangan tersebut within which they are held and their
dimiliki dan karakteristik arus kas contractual cash flow characteristics. The
kontraktualnya. Model bisnis merefleksikan business model reflects how groups of
bagaimana kelompok aset keuangan financial assets are managed to achieve
dikelola untuk mencapai tujuan bisnis a particular business objective.
tertentu.
Aset keuangan dapat diukur dengan biaya A financial asset is measured at amortised
perolehan diamortisasi hanya jika cost only if it meets both of the following
memenuhi kedua kondisi berikut dan tidak conditions and it is not designated as at
ditetapkan sebagai FVTPL: FVTPL:
- Aset keuangan dikelola dalam model - The financial assets is held within
bisnis yang bertujuan untuk memiliki a business model whose objective is to
aset keuangan untuk tujuan hold the asset to collect contractual cash
mendapatkan arus kas kontraktual flows (held to collect); and
(held to collect); dan
- Kriteria kontraktual dari aset keuangan - Its contractual terms give rise on
yang pada tanggal tertentu specified dates to cash flows that are
menghasilkan arus kas yang solely payments of principal and interest
merupakan pembayaran pokok dan (“SPPI”) on the principal amount
bunga semata (“SPPI”) dari jumlah outstanding.
pokok terutang.
Suatu aset keuangan diukur pada FVOCI, A financial asset measured at FVOCI only if
hanya jika memenuhi kedua kondisi berikut it meets both of the following conditions and
dan tidak ditetapkan sebagai FVTPL: is not designated as at FVTPL:
24
Page 499
The original financial statements included herein are in
Indonesian language.
PT BANK VICTORIA INTERNATIONAL Tbk PT BANK VICTORIA INTERNATIONAL Tbk
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
Tanggal 31 Desember 2024 dan untuk As of December 31, 2024 and
Tahun yang Berakhir pada Tanggal tersebut for the Year Ended
(Disajikan dalam ribuan Rupiah, (Expressed in thousands of Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
2. IKHTISAR INFORMASI KEBIJAKAN AKUNTANSI 2. SUMMARY OF MATERIAL ACCOUNTING
MATERIAL (lanjutan) POLICIES INFORMATION (continued)
d. Aset dan liabilitas keuangan (lanjutan) d. Financial assets and liabilities (continued)
(i) Aset keuangan (lanjutan) (i) Financial assets (continued)
- Aset keuangan dikelola dalam model - The financial asset is held within
bisnis yang tujuan tercapai dengan a business model whose objective is
mendapatkan arus kas kontraktual dan achieved by both collecting contractual
menjual aset keuangan (held to collect cash flows and selling the financial asset
and sell); dan (held to collect and sell); and
- Kriteria kontraktual dari aset keuangan - Its contractual terms give rise on
yang pada tanggal tertentu specified dates to cash flows that are
menghasilkan arus kas yang solely payments of principal and interest
merupakan pembayaran pokok dan on the principal amount outstanding.
bunga semata dari jumlah pokok
terutang.
Seluruh aset keuangan yang tidak All financial assets not classified as
diklasifikasikan sebagai diukur dengan biaya measured at amortised cost or FVOCI as
perolehan diamortisasi atau FVOCI described above are measured at FVTPL.
sebagaimana ketentuan di atas diukur
dengan FVTPL.
Aset dapat dijual dari portofolio held to Assets may be sold out of held to collect
collect ketika terdapat peningkatan risiko portfolios where there is an increase in credit
kredit. Penghentian untuk alasan lain risk. Disposals for other reasons are
diperbolehkan namun jumlah penjualan permitted but such sales should be
tersebut harus tidak signifikan jumlahnya insignificant in value or infrequent in nature.
atau tidak sering.
Laba rugi yang belum direalisasi atas aset Unrealised gains or losses of financial assets
keuangan yang diklasifikasikan sebagai held at FVOCI deferred in other
FVOCI ditangguhkan di pendapatan comprehensive income until the asset is
komprehensif lain sampai aset tersebut derecognised.
dihentikan.
Aset keuangan dapat ditetapkan sebagai Financial assets may be designated at
FVTPL hanya jika ini dapat mengeliminasi FVTPL only if doing so eliminates or reduces
atau mengurangi accounting mismatch. 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 and interest
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 the
keuangan pada pengakuan awal. 'Bunga' financial asset on initial recognition. ‘Interest’
didefinisikan sebagai imbalan untuk nilai is defined as consideration for the time value
waktu atas uang dan untuk risiko kredit yang of money and for the credit risk associated
terkait dengan jumlah pokok yang terutang with the principal amount outstanding during
selama periode waktu tertentu dan untuk a particular period of time and for other basic
risiko dan biaya pinjaman dasar lainnya lending risks and costs (e.g. liquidity risk and
(misalnya risiko likuiditas dan biaya administrative costs), as well as profit
administrasi), serta marjin 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 tersebut. contractual terms of the instrument.
25
Page 500
The original financial statements included herein are in
Indonesian language.
PT BANK VICTORIA INTERNATIONAL Tbk PT BANK VICTORIA INTERNATIONAL Tbk
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
Tanggal 31 Desember 2024 dan untuk As of December 31, 2024 and
Tahun yang Berakhir pada Tanggal tersebut for the Year Ended
(Disajikan dalam ribuan Rupiah, (Expressed in thousands of Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
2. IKHTISAR INFORMASI KEBIJAKAN AKUNTANSI 2. SUMMARY OF MATERIAL ACCOUNTING
MATERIAL (lanjutan) POLICIES INFORMATION (continued)
d. Aset dan liabilitas keuangan (lanjutan) d. Financial assets and liabilities (continued)
(i) Aset keuangan (lanjutan) (i) Financial assets (continued)
Penilaian apakah arus kas kontraktual Assessment of whether contractual cash
hanya merupakan pembayaran pokok flows are solely payments of principal
dan bunga semata (lanjutan) and interest (continued)
Hal ini termasuk menilai apakah aset This includes assessing whether the
keuangan mengandung ketentuan financial asset contains a contractual term
kontraktual yang dapat mengubah waktu that could change the timing or amount of
atau jumlah arus kas kontraktual sehingga contractual cash flows such that it would not
tidak memenuhi kondisi ini. Dalam meet this condition. In making the
melakukan penilaian, Bank assessment, the Bank considers:
mempertimbangkan:
- 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 extension terms;
perpanjangan fasilitas;
- Ketentuan yang membatasi klaim Bank - Terms that limit the Bank’s claim to cash
atas arus kas dari aset tertentu (seperti flows from specified assets (e.g. non-
pinjaman non-recourse); dan 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. periodical
penetapan ulang suku bunga berkala). reset of interest rates).
Penilaian model bisnis Business model assessment
Model bisnis mengacu pada bagaimana Business model refers to how financial
aset keuangan dikelola bersama untuk assets are managed together to generate
menghasilkan arus kas untuk Bank. Arus cash flows for the Bank. This may be
kas mungkin dihasilkan dengan menerima collecting contractual cash flows, selling
arus kas kontraktual, menjual aset financial assets or both. Business models
keuangan atau keduanya. Model bisnis are determined at a level of aggregation
ditentukan pada tingkat agregasi di mana where groups of assets are managed
kelompok aset dikelola bersama untuk together to achieve a particular objective and
mencapai tujuan tertentu dan tidak do not depend on management's intentions
bergantung pada niat manajemen pada for individual instruments.
instrumen individual.
Bank menilai model bisnis pada aset The Bank assesses the business model of
keuangan setidaknya pada tingkat lini bisnis financial assets at least at business line level
atau pada di mana terdapat variasi or where there are varying mandates or
mandat/tujuan dalam lini bisnis, pada lini objectives within a business line, at
bisnis produk atau pada tingkat desk yang a more granular product business line or
lebih granular (misalnya sub-portofolio atau desk level (i.e. sub-portfolios or sub-
sub-lini bisnis). business lines).
Penentuan model bisnis dilakukan dengan Business model determinations are made
mempertimbangkan semua bukti relevan considering all relevant evidence that is
yang tersedia pada tanggal penilaian. Ini available at the date of the assessment. This
termasuk, tetapi tidak terbatas pada: includes, but is not limited to:
26
Page 501
The original financial statements included herein are in
Indonesian language.
PT BANK VICTORIA INTERNATIONAL Tbk PT BANK VICTORIA INTERNATIONAL Tbk
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
Tanggal 31 Desember 2024 dan untuk As of December 31, 2024 and
Tahun yang Berakhir pada Tanggal tersebut for the Year Ended
(Disajikan dalam ribuan Rupiah, (Expressed in thousands of Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
2. IKHTISAR INFORMASI KEBIJAKAN AKUNTANSI 2. SUMMARY OF MATERIAL ACCOUNTING
MATERIAL (lanjutan) POLICIES INFORMATION (continued)
d. Aset dan liabilitas keuangan (lanjutan) d. Financial assets and liabilities (continued)
(i) Aset keuangan (lanjutan) (i) Financial assets (continued)
Penilaian model bisnis (lanjutan) Business model assessment (continued)
- bagaimana kinerja bisnis dan aset - how the performance of the business
keuangan yang ada di dalam unit bisnis and the financial assets held within that
itu dievaluasi dan dilaporkan kepada business unit are evaluated and
manajemen. Tingkat pemisahan yang reported to management. The level of
diidentifikasi untuk klasifikasi PSAK 109 segregation identified for SFAS 109
(dahulu PSAK 71) harus konsisten (previously SFAS 71) classification
dengan bagaimana portofolio aset should be consistent with how asset
dipisahkan dan dilaporkan kepada portfolios are segregated and reported
manajemen; to senior management;
- risiko yang mempengaruhi kinerja unit - the risks that affect the performance of
bisnis dan aset keuangan yang dimiliki the business unit and the financial
dalam unit bisnis itu dan khususnya assets held within that business unit
bagaimana risiko itu dikelola; dan and in particular the way those risks are
managed; and
- bagaimana manajer unit bisnis - how managers of the business unit are
dikompensasi (misalnya, apakah compensated (for example, whether the
kompensasi didasarkan pada nilai compensation is based on the fair value
wajar dari aset yang dikelola atau pada of the assets managed or on the
arus kas kontraktual yang contractual cash flows collected).
dikumpulkan).
Penentuan model bisnis dilakukan Business model determinations are made on
berdasarkan skenario yang diperkirakan the basis of scenarios that the Bank
akan terjadi oleh Bank dan tidak dalam reasonably expects to occur and not under
kondisi sangat tertekan atau 'kondisi highly stressed or 'worst case' conditions.
terburuk'. Jika aset dijual dalam kondisi yang Where assets are disposed of under
tidak diharapkan oleh Bank untuk berlaku conditions that the Bank did not reasonably
ketika aset diakui, klasifikasi aset keuangan expect to prevail when the assets were
yang ada dalam portofolio tidak disajikan recognised, the classification of existing
secara tidak akurat, tetapi kondisi tersebut financial assets in the portfolio are not
harus dipertimbangkan untuk aset yang rendered inaccurate but the conditions in
diperoleh di masa mendatang. question should be considered for any
assets acquired going forward.
Pemilihan model operasi dalam PSAK 109 The targeting operating model for SFAS 109
(dahulu PSAK 71) dirancang sedemikian (previously SFAS 71) is designed such that
rupa sehingga akuntansi untuk instrumen di accounting for instruments at FVTPL is a
FVTPL adalah pilihan yang tepat/conscious. conscious choice.
Perubahan pada model bisnis atau Changes to business models or the
pengenalan model bisnis baru ditentukan introduction of new business models are
melalui proses persetujuan unit bisnis baru. determined through the new business unit
approval process.
Bank dapat mereklasifikasi seluruh aset The Bank can reclassified all of its financial
keuangan yang terpengaruh jika dan hanya assets when and only, its business model for
jika, model bisnis untuk pengelolaan aset managing those financial assets changes.
keuangan berubah.
27
Page 502
The original financial statements included herein are in
Indonesian language.
PT BANK VICTORIA INTERNATIONAL Tbk PT BANK VICTORIA INTERNATIONAL Tbk
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
Tanggal 31 Desember 2024 dan untuk As of December 31, 2024 and
Tahun yang Berakhir pada Tanggal tersebut for the Year Ended
(Disajikan dalam ribuan Rupiah, (Expressed in thousands of Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
2. IKHTISAR INFORMASI KEBIJAKAN AKUNTANSI 2. SUMMARY OF MATERIAL ACCOUNTING
MATERIAL (lanjutan) POLICIES INFORMATION (continued)
d. Aset dan liabilitas keuangan (lanjutan) d. Financial assets and liabilities (continued)
(i) Aset keuangan (lanjutan) (i) Financial assets (continued)
Penilaian model bisnis (lanjutan) Business model assessment (continued)
Pengakuan Recognition
Pembelian dan penjualan aset keuangan Purchases and sales of financial assets are
diakui pada tanggal perdagangan dimana recognised on the trade date at which the
Bank memiliki komitmen untuk membeli Bank commits to purchase or sell those
atau menjual aset tersebut. assets.
Pada saat pengakuan awal, aset keuangan A financial asset is initially measured at fair
diukur pada nilai wajar ditambah/dikurangi value plus/less (for an item not subsequently
(untuk item yang tidak diukur pada nilai measured at fair value through profit or loss)
wajar melalui laba rugi setelah pengakuan transaction costs that are directly
awal) biaya transaksi yang dapat attributable to the acquisition of a financial
diatribusikan secara langsung atas asset. The subsequent measurement of
perolehan aset keuangan. Pengukuran aset financial assets depends on their
keuangan setelah pengakuan awal classification.
tergantung pada klasifikasi aset keuangan
tersebut.
Biaya transaksi hanya meliputi biaya-biaya Transaction costs include only those costs
yang dapat diatribusikan secara langsung that are directly attributable to the acquisition
untuk perolehan suatu aset keuangan dan of a financial asset are incremental costs
merupakan biaya tambahan yang tidak akan that would not have been incurred if the
terjadi apabila instrumen keuangan tersebut instrument had not been acquired.
tidak diperoleh.
Aset keuangan yang diukur pada nilai wajar Financial assets carried at fair value through
melalui laporan laba rugi pada awalnya profit or loss are initially recognised at fair
dicatat sebesar nilai wajar dan biaya value and transaction costs are expensed in
transaksinya dibebankan pada laporan laba the profit or loss.
rugi.
(ii) Liabilitas keuangan (ii) Financial liabilities
Liabilitas keuangan diklasifikasikan ke Financial liabilities are classified into the
dalam kategori sebagai berikut pada saat following categories at initial recognition:
pengakuan awal:
- Financial liabilities at fair value through
- Liabilitas keuangan yang diukur pada profit or loss, which has
nilai wajar melalui laporan laba rugi, 2 (two) sub-classifications, i.e., those
yang memiliki 2 (dua) sub-klasifikasi, designed as such upon initial
yaitu liabilitas keuangan yang recognition and those classified as held
ditetapkan demikian pada saat for trading;
pengakuan awal dan liabilitas
keuangan yang telah diklasifikasikan
dalam kelompok diperdagangkan;
- Liabilitas keuangan lain yang tidak - Other financial liabilities that are not
classified as financial liabilities at fair
diklasifikasikan sebagai liabilitas
value through profit or loss are
keuangan yang diukur pada nilai categorised and measured at amortised
wajar melalui laba rugi dikategorikan cost.
dan diukur dengan biaya perolehan
diamortisasi.
28
Page 503
The original financial statements included herein are in
Indonesian language.
PT BANK VICTORIA INTERNATIONAL Tbk PT BANK VICTORIA INTERNATIONAL Tbk
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
Tanggal 31 Desember 2024 dan untuk As of December 31, 2024 and
Tahun yang Berakhir pada Tanggal tersebut for the Year Ended
(Disajikan dalam ribuan Rupiah, (Expressed in thousands of Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
2. IKHTISAR INFORMASI KEBIJAKAN AKUNTANSI 2. SUMMARY OF MATERIAL ACCOUNTING
MATERIAL (lanjutan) POLICIES INFORMATION (continued)
d. Aset dan liabilitas keuangan (lanjutan) d. Financial assets and liabilities (continued)
(ii) Liabilitas keuangan (lanjutan) (ii) Financial liabilities (continued)
Pada saat pengakuan awal, liabilitas A financial liability is initially measured at fair
keuangan diukur pada nilai wajar ditambah value plus (for an item not subsequently
(untuk item yang tidak diukur pada nilai measured at fair value through profit or loss)
wajar melalui laba rugi setelah pengakuan transaction costs that are directly attributable
awal) biaya transaksi yang dapat to financial liabilities issuance. The
diatribusikan secara langsung atas subsequent measurement of financial
perolehan penerbitan liabilitas keuangan. liabilities depends on their classification.
Pengukuran liabilitas keuangan setelah
pengakuan awal tergantung pada
klasifikasi liabilitas keuangan tersebut.
Biaya transaksi hanya meliputi biaya-biaya Transaction costs include only those costs
yang dapat diatribusikan secara langsung that are directly attributable to the issuance
untuk penerbitan suatu liabilitas keuangan of a financial liability and are incremental
dan merupakan biaya tambahan yang tidak costs that would not have been incurred if
akan terjadi apabila instrumen keuangan the financial instruments had not been
tersebut tidak diperoleh atau diterbitkan. acquired or issued.
Liabilitas keuangan, biaya transaksi Financial liabilities, transaction costs are
dikurangkan dari jumlah utang yang diakui deducted from the amount of debt initially
pada pengakuan awal liabilitas. Biaya recognised. Such transactions costs are
transaksi tersebut diamortisasi selama amortised over the terms of the instruments
umur instrumen berdasarkan metode suku based on the effective interest rate method
bunga efektif dan dicatat sebagai bagian and are recorded as part of interest expense.
dari beban bunga.
Liabilitas keuangan dihentikan Financial liabilities are derecognised when
pengakuannya jika liabilitas yang the obligation under the liability is
ditetapkan dalam kontrak dilepaskan, discharged, cancelled, or has expired.
dibatalkan, atau kadaluarsa.
Jika suatu liabilitas keuangan yang ada Where an existing financial liability is
digantikan dengan yang lain oleh pemberi replaced by another from the same lender on
pinjaman yang sama pada keadaan yang substantially different terms, or the terms of
secara substansial berbeda, atau an existing liability are substantially
berdasarkan suatu liabilitas yang ada yang modified, such an exchange or modification
secara substansial telah diubah, maka is treated as derecognition of the original
pertukaran atau modifikasi tersebut liability and the recognition of a new liability,
diperlakukan sebagai penghentian and the difference in the respective carrying
pengakuan liabilitas awal dan pengakuan amounts is recognised in the profit or loss
liabilitas baru, dan perbedaan nilai tercatat and other comprehensive income.
masing-masing diakui dalam laporan laba
rugi dan penghasilan komprehensif lain.
(iii) Kontrak modifikasi (iii) Contract modification
Penilaian apakah suatu aset keuangan telah An assessment of whether a financial asset
dimodifikasi baik secara substansial has been modified substantially or not
maupun tidak substansial dilakukan oleh unit substantially is carried out by a business
bisnis yang berwenang melakukan unit whose authorised to modify or
modifikasi atau restrukturisasi aset restructure financial assets, when the
keuangan pada saat unit bisnis tersebut business unit performs modification or
melakukan tindakan modifikasi atau restructure of a financial asset.
restrukturisasi atas suatu aset keuangan.
Modifikasi aset keuangan dianggap Modifications to financial assets are
substansial dan Bank akan berhenti considered substantial and the Bank will
mengakui aset keuangan awal ketika: cease to recognise the original financial
assets when:
29
Page 504
The original financial statements included herein are in
Indonesian language.
PT BANK VICTORIA INTERNATIONAL Tbk PT BANK VICTORIA INTERNATIONAL Tbk
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
Tanggal 31 Desember 2024 dan untuk As of December 31, 2024 and
Tahun yang Berakhir pada Tanggal tersebut for the Year Ended
(Disajikan dalam ribuan Rupiah, (Expressed in thousands of Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
2. IKHTISAR INFORMASI KEBIJAKAN AKUNTANSI 2. SUMMARY OF MATERIAL ACCOUNTING
MATERIAL (lanjutan) POLICIES INFORMATION (continued)
d. Aset dan liabilitas keuangan (lanjutan) d. Financial assets and liabilities (continued)
(iii) Kontrak modifikasi (lanjutan) (iii) Contract modification (continued)
(a) aset keuangan (atau bagiannya) (a) the financial asset (or portion thereof)
berakhir, yaitu jika debitur secara hukum expires, that is, if the debtor is legally
dibebaskan dari tanggung jawab utama released from primary responsibility for
atas aset tersebut (atau bagiannya), baik the asset (or any portion thereof),
melalui proses hukum maupun oleh either by legal process or by the
kreditur pembuatan kontrak kredit baru creditor entering into a new credit
(sebagai contoh, opsi equity contract (for example, the equity
conversion); atau conversion option); or
(b) terdapat konversi mata uang. (b) there is a currency conversion.
Bank kemudian akan mengukur aset The Bank will measure the substantially
keuangan yang telah dimodifikasi baik and not substantially modified financial
secara substansial maupun tidak assets as follows:
substansial dengan cara berikut:
(a) Modifikasi Aset Keuangan yang (a) Substantial Modification of Financial
Substansial Assets
1) Saat arus kas kontraktual 1) When the contractual cashflow on
atas aset keuangan direnegosiasi a financial asset is renegotiated or
atau dimodifikasi (antara lain modified (including when a credit is
ketika kredit direstrukturisasi) restructured) and the renegotiation
dimana renegosiasi atau or modification results in
modifikasi tersebut menghasilkan derecognition of the financial
penghentian pengakuan aset asset, therefore the Bank will
keuangan, Bank akan mencatat record the financial asset as a new/
aset keuangan tersebut sebagai modified financial asset on the
aset keuangan baru/ modifikasian modification/ negotiation date.
pada tanggal modifikasi/
negosiasi.
2) Selisih jumlah tercatat bruto aset 2) The difference between the gross
keuangan awal dengan nilai wajar amount of the initial financial
aset modifikasian diakui di laba assets and the fair value of the
rugi. modified assets recorded as profit
or loss.
3) Pendapatan atau biaya transaksi 3) Transaction income or costs
yang terjadi sehubungan dengan incurred in connection with a
kejadian modifikasi diakui sebagai modification event recognised as
bagian dari keuntungan atau part of gain or loss on the
kerugian atas modifikasi tersebut. modification.
4) Selanjutnya, Bank melakukan 4) Next, Bank assess whether
penilaian apakah aset keuangan new/modified financial assets are
baru/modifikasian merupakan aset assets originating from impaired
yang berasal dari aset keuangan financial assets.
memburuk.
5) Pengakuan pendapatan bunga 5) Recognition of interest income on
atas aset yang berasal dari aset assets originating from financial
keuangan memburuk ditentukan assets is calculated based on an
berdasarkan suku bunga efektif effective interest rate adjusted for
yang telah disesuaikan dengan credit risk (risk-adjusted effective
risiko kredit (risk-adjusted effective interest rate) to discount the cash
interest rate) untuk flows of modified financial assets.
mendiskontokan arus kas aset
keuangan yang telah dimodifikasi.
30
Page 505
The original financial statements included herein are in
Indonesian language.
PT BANK VICTORIA INTERNATIONAL Tbk PT BANK VICTORIA INTERNATIONAL Tbk
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
Tanggal 31 Desember 2024 dan untuk As of December 31, 2024 and
Tahun yang Berakhir pada Tanggal tersebut for the Year Ended
(Disajikan dalam ribuan Rupiah, (Expressed in thousands of Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
2. IKHTISAR INFORMASI KEBIJAKAN AKUNTANSI 2. SUMMARY OF MATERIAL ACCOUNTING
MATERIAL (lanjutan) POLICIES INFORMATION (continued)
d. Aset dan liabilitas keuangan (lanjutan) d. Financial assets and liabilities (continued)
(iii) Kontrak Modifikasi (lanjutan) (iii) Contract Modification (continued)
(b) Modifikasi Aset Keuangan yang Tidak (b) Non-Substantial Modification of
Substantial Financial Assets
1. Saat Bank melakukan renegosiasi 1. When the Bank renegotiates or
atau modifikasi arus kas modifies contractual cash flows of
kontraktual atas aset keuangan financial assets (including when
(antara lain ketika kredit loans are restructured) that do not
direstrukturisasi) yang tidak meet the criteria for substantial
memenuhi kriteria modifikasi aset modification of financial assets
keuangan yang substansial di above, the renegotiation or
atas, maka renegosiasi atau modification does not result in
modifikasi tersebut tidak derecognition of the financial
menghasilkan penghentian assets.
pengakuan aset keuangan.
2. Jumlah tercatat bruto aset 2. The gross carrying amount of
keuangan dihitung sebesar nilai financial assets is computed at the
kini (net present value) dari arus net present value of modified or
kas kontraktual yang telah renegotiated contractual cash
dimodifikasi atau direnegosiasi flows, discounted at the original
yang didiskontokan menggunakan effective interest rate.
suku bunga efektif awal.
3. Kemudian mengakui keuntungan 3. Bank then recognises the gain or
atau kerugian dari modifikasi (yaitu loss from the modification (i.e the
sebesar perubahan jumlah tercatat change in the gross carrying
bruto aset keuangan) dalam amount of the financial asset) in
laporan laba rugi. the profit or loss.
4. Pendapatan atau biaya transaksi 4. Transaction income or costs
yang terjadi sehubungan dengan incurred in connection with
kejadian modifikasi diakui sebagai a modification event are
penyesuaian terhadap jumlah recognised as an adjustment to the
tercatat aset keuangan yang telah carrying amount of the modified
dimodifikasi dan diamortisasi financial asset and amortised over
selama sisa jangka waktu aset the remaining term of the modified
keuangan modifikasian tersebut. financial asset.
(iv) Penentuan nilai wajar (iv) Determination of fair value
Nilai wajar adalah harga yang akan diterima Fair value is the price that would be
untuk menjual suatu aset atau harga yang received to sell an asset or paid to transfer
akan dibayar untuk mengalihkan suatu a liability in an orderly transaction between
liabilitas dalam transaksi teratur (orderly market participants at the measurement
transaction) antara pelaku pasar (market date in the principal market or, in its
participants) pada tanggal pengukuran di absence, the most advantageous market to
pasar utama atau, jika tidak terdapat pasar which the Bank has access at that date. The
utama, di pasar yang paling menguntungkan fair value of a liability reflects its non-
dimana Bank memiliki akses pada tanggal performance risk.
tersebut. Nilai wajar liabilitas mencerminkan
risiko wanprestasinya.
31
Page 506
The original financial statements included herein are in
Indonesian language.
PT BANK VICTORIA INTERNATIONAL Tbk PT BANK VICTORIA INTERNATIONAL Tbk
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
Tanggal 31 Desember 2024 dan untuk As of December 31, 2024 and
Tahun yang Berakhir pada Tanggal tersebut for the Year Ended
(Disajikan dalam ribuan Rupiah, (Expressed in thousands of Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
2. IKHTISAR INFORMASI KEBIJAKAN AKUNTANSI 2. SUMMARY OF MATERIAL ACCOUNTING
MATERIAL (lanjutan) POLICIES INFORMATION (continued)
d. Aset dan liabilitas keuangan (lanjutan) d. Financial assets and liabilities (continued)
(iv) Penentuan nilai wajar (lanjutan) (iv) Determination of fair value (continued)
Jika tersedia, Bank mengukur nilai wajar When available, the Bank measures the fair
instrumen keuangan dengan menggunakan value of a financial instrument using the
harga kuotasian di pasar aktif untuk quoted price in an active market for that
instrumen tersebut. instrument.
Instrumen keuangan dianggap memiliki A financial instrument is regarded as quoted
kuotasi di pasar aktif jika harga kuotasi in an active market if quoted prices are
tersedia sewaktu-waktu dan dapat diperoleh readily and regularly available from an
secara rutin dari bursa, pedagang efek exchange, dealer, broker, industry group,
(dealer), perantara efek (broker), kelompok pricing service or regulatory agency, and
industri, badan pengawas (pricing service those prices represent actual and regularly
atau regulatory agency), dan harga tersebut occurring market transactions on an arm’s
mencerminkan transaksi pasar yang aktual length basis. If the above criteria are not
dan rutin dalam suatu transaksi yang wajar. met, the market is regarded as being
Jika kriteria di atas tidak terpenuhi, maka inactive. Indications that a market is inactive
pasar aktif dinyatakan tidak tersedia. are when there is a wide bid-offer spread or
Indikasi-indikasi dari pasar tidak aktif adalah significant increase in the bid-offer spread
terdapat selisih yang besar antara harga or there are few recent transactions.
penawaran dan permintaan atau kenaikan
signifikan dalam selisih harga penawaran
dan permintaan dan hanya terdapat
beberapa transaksi terkini.
Bukti terbaik atas nilai wajar instrumen The best evidence of the fair value of
keuangan pada saat pengakuan awal a financial instrument at initial recognition
adalah harga transaksi, yaitu nilai wajar is normally the transaction price, i.e., the
dari pembayaran yang diberikan atau fair value of the consideration given or
diterima. Jika Bank menetapkan bahwa received. If the Bank determines that the
nilai wajar pada pengakuan awal berbeda fair value at initial recognition differs from
dengan harga transaksi dan nilai wajar the transaction price and the fair value is
tidak dapat dibuktikan dengan harga evidenced neither by a quoted price in an
kuotasian di pasar aktif untuk aset atau active market for an identical asset or
liabilitas yang sejenis atau berdasarkan liability nor based on a valuation technique
teknik penilaian yang hanya menggunakan that uses only data from observable
data dari pasar yang dapat diobservasi, markets, then the financial instrument is
maka nilai wajar instrumen keuangan pada initially measured at fair value, adjusted to
saat pengakuan awal disesuaikan untuk defer the difference between the fair value
menangguhkan perbedaan antara nilai at initial recognition and the transaction
wajar pada saat pengakuan awal dan price. Subsequently, that difference is
harga transaksi. Setelah pengakuan awal, amortised and recognised in profit or loss
perbedaan tersebut diamortisasi dan diakui on over the life of the instrument.
dalam laba rugi sepanjang umur dari
instrumen tersebut.
32
Page 507
The original financial statements included herein are in
Indonesian language.
PT BANK VICTORIA INTERNATIONAL Tbk PT BANK VICTORIA INTERNATIONAL Tbk
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
Tanggal 31 Desember 2024 dan untuk As of December 31, 2024 and
Tahun yang Berakhir pada Tanggal tersebut for the Year Ended
(Disajikan dalam ribuan Rupiah, (Expressed in thousands of Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
2. IKHTISAR INFORMASI KEBIJAKAN AKUNTANSI 2. SUMMARY OF MATERIAL ACCOUNTING
MATERIAL (lanjutan) POLICIES INFORMATION (continued)
d. Aset dan liabilitas keuangan (lanjutan) d. Financial assets and liabilities (continued)
(iv) Penentuan nilai wajar (lanjutan) (iv) Determination of fair value (continued)
Untuk instrumen keuangan yang tidak For financial instruments with no quoted
mempunyai harga pasar, estimasi atas market price, a reasonable estimate of the
nilai wajar ditetapkan dengan mengacu fair value is determined by reference to the
pada nilai wajar instrumen lain yang current market value of another instrument
substansinya sama atau dihitung which substantially have the same
berdasarkan arus kas yang diharapkan characteristic or calculated based on the
terhadap aset bersih efek-efek tersebut. expected cash flows of the underlying net
Untuk penyertaan saham yang nilai asset base of the marketable securities.
wajarnya tidak tersedia, estimasi atas nilai For the investment in shares do not have
wajar dinyatakan sebesar biaya perolehan. readily determinable fair values, the
estimated fair value recognised as at
acquisition cost.
Nilai wajar untuk semua instrumen For all other financial instruments, fair
keuangan lainnya ditentukan dengan value is determined using valuation
menggunakan teknik penilaian. Dengan techniques. In these techniques, fair
teknik ini, nilai wajar merupakan suatu values are estimated from observable data
estimasi yang dihasilkan dari data yang in respect of similar financial instruments,
dapat diobservasi dari instrumen keuangan using models to estimate the present value
yang sama, menggunakan model-model of expected future cash flows or other
untuk mendapatkan estimasi nilai kini dari valuation techniques, using inputs (for
arus kas masa depan yang diharapkan example, foreign exchange rates,
atau teknik penilaian lainnya volatilities and counterparty spreads)
menggunakan input (sebagai contoh nilai existing at the dates of the statement of
tukar mata uang asing, volatilitas, dan financial position.
counterparty spreads) yang tersedia pada
tanggal laporan posisi keuangan.
(v) Penentuan biaya perolehan (v) Determination of amortised cost
diamortisasi
Biaya perolehan diamortisasi dari aset The amortised cost of a financial asset or
keuangan atau liabilitas keuangan adalah financial liability is the amount at which the
jumlah aset atau liabilitas keuangan yang financial asset or liability is measured at
diukur pada saat pengakuan awal, initial recognition, less principal
dikurangi pembayaran pokok, ditambah repayments, plus or less the cumulative
atau dikurangi dengan amortisasi kumulatif amortisation using the effective interest
dengan menggunakan metode suku bunga method of any difference between the
efektif yang dihitung dari selisih antara nilai initial amount recognised and the maturity
awal dan nilai jatuh temponya dan amount and minus any allowance for
dikurangi cadangan kerugian penurunan impairment losses.
nilai.
Kerugian penurunan nilai dilaporkan The impairment loss is reported as
sebagai pengurang dari nilai tercatat dari a deduction from the carrying value of the
aset keuangan dalam kelompok biaya financial assets classified as amortised
perolehan diamortisasi, dan diakui di cost and recognised in the statement of
dalam laporan laba rugi sebagai “Kerugian profit or loss as “Impairment losses on
penurunan nilai aset keuangan”. financial assets”.
33
Page 508
The original financial statements included herein are in
Indonesian language.
PT BANK VICTORIA INTERNATIONAL Tbk PT BANK VICTORIA INTERNATIONAL Tbk
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
Tanggal 31 Desember 2024 dan untuk As of December 31, 2024 and
Tahun yang Berakhir pada Tanggal tersebut for the Year Ended
(Disajikan dalam ribuan Rupiah, (Expressed in thousands of Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
2. IKHTISAR INFORMASI KEBIJAKAN AKUNTANSI 2. SUMMARY OF MATERIAL ACCOUNTING
MATERIAL (lanjutan) POLICIES INFORMATION (continued)
d. Aset dan liabilitas keuangan (lanjutan) d. Financial assets and liabilities (continued)
(v) Penentuan biaya perolehan (v) Determination of amortised cost
diamortisasi (lanjutan) (continued)
Tingkat suku bunga efektif adalah suku The effective interest rate is the rate that
bunga yang secara tepat mendiskontokan exactly discounts the estimated future cash
estimasi arus kas di masa datang selama flows through the expected life of the
perkiraan umur dari aset keuangan atau financial asset or financial liability (or,
liabilitas keuangan (atau jika lebih tepat, where appropriate, a shorter period) to the
digunakan periode yang lebih singkat) net carrying amount at initial recognition.
untuk memperoleh nilai tercatat bersih When calculating the effective interest rate,
pada saat pengakuan awal. Pada saat the Bank estimates future cash flows
menghitung tingkat suku bunga efektif, considering all contractual terms of the
Bank mengestimasi arus kas di masa financial instrument, but does not consider
datang dengan mempertimbangkan any future credit losses.
seluruh persyaratan kontraktual dalam
instrumen keuangan tersebut, namun tidak
mempertimbangkan kerugian kredit di
masa mendatang.
Perhitungan suku bunga efektif mencakup The calculation of the effective interest rate
biaya transaksi dan seluruh imbalan/provisi includes transaction costs and all fees and
dan bentuk lain yang dibayarkan atau provisions paid or received that are an
diterima yang merupakan bagian tak integral part of the effective interest rate.
terpisahkan dari suku bunga efektif.
(vi) Penghentian pengakuan (vi) Derecognition
Dalam transaksi dimana Bank secara In transactions in which the Bank neither
substansial tidak memiliki atau tidak retains nor transfers substantially all the
mentransfer seluruh risiko dan manfaat risks and rewards of ownership of
atas kepemilikan aset keuangan, Bank a financial asset, the Bank derecognises
menghentikan pengakuan aset tersebut the asset if it does not retain control over
jika Bank tidak lagi memiliki pengendalian the asset. The rights and obligations
atas aset tersebut. Hak dan kewajiban retained in the transfer are recognised
yang masih dimiliki dalam transfer tersebut separately as assets and liabilities as
diakui secara terpisah sebagai aset atau appropriate. In transfers in which control
liabilitas. Dalam transfer dimana over the asset is retained, the Bank
pengendalian atas aset masih dimiliki, continues to recognise the asset to the
Bank tetap mengakui aset yang ditransfer extent of its continuing involvement,
tersebut sebesar keterlibatan determined by the extent to which it is
berkelanjutan, dimana tingkat exposed to changes in the value of the
keberlanjutan Bank dalam aset yang transferred asset.
ditransfer adalah sebesar perubahan nilai
aset yang ditransfer.
34
Page 509
The original financial statements included herein are in
Indonesian language.
PT BANK VICTORIA INTERNATIONAL Tbk PT BANK VICTORIA INTERNATIONAL Tbk
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
Tanggal 31 Desember 2024 dan untuk As of December 31, 2024 and
Tahun yang Berakhir pada Tanggal tersebut for the Year Ended
(Disajikan dalam ribuan Rupiah, (Expressed in thousands of Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
2. IKHTISAR INFORMASI KEBIJAKAN AKUNTANSI 2. SUMMARY OF MATERIAL ACCOUNTING
MATERIAL (lanjutan) POLICIES INFORMATION (continued)
d. Aset dan liabilitas keuangan (lanjutan) d. Financial assets and liabilities (continued)
(vi) Penghentian pengakuan (lanjutan) (vi) Derecognition (continued)
Bank menghapusbukukan aset keuangan The Bank write off a financial asset and any
dan cadangan kerugian penurunan nilai related allowance for impairment losses,
terkait, pada saat Bank menentukan bahwa when the Bank determines that the financial
aset keuangan tersebut tidak dapat ditagih asset is completely uncollectible. This
seluruhnya. Keputusan ini diambil setelah determination is reached after considering
mempertimbangkan informasi seperti telah information such as the occurrence of
terjadinya perubahan signifikan pada posisi significant changes in the financial position
keuangan debitur/penerbit aset keuangan of debtor/financial asset’s issuer such that
sehingga debitur/penerbit aset keuangan the debtor/financial asset’s issuer can no
tidak lagi dapat melunasi kewajibannya, longer pay the obligation, or that proceeds
atau hasil penjualan agunan tidak akan from collateral will not be sufficient to pay
cukup untuk melunasi seluruh eksposur back the entire exposure.
pinjaman yang diberikan.
e. Saling hapus e. Offsetting
Aset keuangan dan liabilitas keuangan Financial assets and liabilities are offset and the
disalinghapuskan dan nilai bersihnya dilaporkan net amount is reported in the statements of
pada laporan posisi keuangan jika, dan hanya financial position if only the Bank has a legal
jika Bank memiliki hak yang berkekuatan hukum right to offset the recognised amounts and there
untuk melakukan saling hapus atas jumlah yang is an intention to settle on net basis, or realise
telah diakui tersebut dan adanya maksud untuk the asset and settle the liability simultaneously.
menyelesaikan liabilitas secara bersamaan.
Hak saling hapus tidak kontinjen atas peristiwa The legally enforceable right must not be
di masa depan dan dapat dipaksakan secara contingent on future events and must be
hukum di dalam situasi bisnis yang normal, dan enforceable in the normal course of business
dalam peristiwa gagal bayar atau kebangkrutan and in the event of default, insolvency or
dari Bank atau pihak lawan. bankruptcy of the Bank or the counterparty.
Pendapatan dan beban disajikan dalam jumlah Income and expenses are presented on a net
bersih hanya jika diperkenankan oleh standar basis only when permitted by the accounting
akuntansi. standards.
35
Page 510
The original financial statements included herein are in
Indonesian language.
PT BANK VICTORIA INTERNATIONAL Tbk PT BANK VICTORIA INTERNATIONAL Tbk
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
Tanggal 31 Desember 2024 dan untuk As of December 31, 2024 and
Tahun yang Berakhir pada Tanggal tersebut for the Year Ended
(Disajikan dalam ribuan Rupiah, (Expressed in thousands of Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
2. IKHTISAR INFORMASI KEBIJAKAN AKUNTANSI 2. SUMMARY OF MATERIAL ACCOUNTING
MATERIAL (lanjutan) POLICIES INFORMATION (continued)
f. Klasifikasi dan Reklasifikasi instrumen f. Classification and reclassification of
keuangan financial instruments
Klasifikasi aset dan liabilitas keuangan Classification of financial assets and
liabilities
Bank mengklasifikasikan instrumen keuangan The Bank classifies the financial instruments
ke dalam klasifikasi tertentu yang mencerminkan into classes that reflects the nature of
sifat dari informasi dan mempertimbangkan information and take into account the
karakteristik dari instrumen keuangan tersebut. characteristic of those financial instruments.
Klasifikasi ini dapat dilihat pada tabel berikut: The classification can be seen in the table
below:
Kategori yang didefinisikan oleh PSAK 109 (dahulu
PSAK 71) / Golongan (ditentukan oleh Bank)/
Category as defined by SFAS 109 Classes (as determined by the Bank)
(previously SFAS 71)
Kas/Cash
Giro pada Bank Indonesia/Current accounts with Bank
Indonesia
Giro pada bank lain/Current accounts with other banks
Penempatan pada Bank Indonesia dan bank lain/
Placements with Bank Indonesia and other banks
Biaya perolehan diamortisasi/Amortised Efek-efek/Marketable securities
cost Tagihan akseptasi/Acceptance receivables
Pinjaman yang diberikan/ Loans
Aset
keuangan/ Efek-efek yang dibeli dengan janji dijual kembali/Securities
Financial purchased under resale agreements
assets Pendapatan bunga yang masih akan diterima/Interest
income receivables
Aset lain-lain/Other assets
Aset keuangan yang diukur pada nilai Efek-efek/Marketable securities
wajar melalui laba rugi/Financial
assets measured at fair value through Penyertaan saham/Investments in shares
profit or loss
Aset keuangan yang diukur pada nilai Efek-efek/Marketable securities
wajar melalui penghasilan
komprehensif lain/Financial assets
measured at fair value through other Penyertaan saham/Investments in shares
comprehensive income
Simpanan nasabah/Deposits from customers
Simpanan dari bank lain/Deposits from other banks
Efek-efek yang dijual dengan janji dibeli kembali/Securities
Liabilitas sold under repurchase agreement
Liabilitas keuangan yang diukur dengan
keuangan/
biaya perolehan diamortisasi/Financial
Financial Efek-efek yang diterbitkan/Securities issued
liabilities at amortised cost
liabilities
Utang akseptasi/Acceptance payables
Akrual dan liabilitas lain-lain/Accruals and other liabilities
Komitmen dan
kontinjensi/ Fasilitas pinjaman yang belum digunakan/Unused loan facilities
Commitment
and Garansi yang diterbitkan/Guarantees issued
contingency
36
Page 511
The original financial statements included herein are in
Indonesian language.
PT BANK VICTORIA INTERNATIONAL Tbk PT BANK VICTORIA INTERNATIONAL Tbk
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
Tanggal 31 Desember 2024 dan untuk As of December 31, 2024 and
Tahun yang Berakhir pada Tanggal tersebut for the Year Ended
(Disajikan dalam ribuan Rupiah, (Expressed in thousands of Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
2. IKHTISAR INFORMASI KEBIJAKAN AKUNTANSI 2. SUMMARY OF MATERIAL ACCOUNTING
MATERIAL (lanjutan) POLICIES INFORMATION (continued)
f. Klasifikasi dan Reklasifikasi instrumen f. Classification and reclassification of
keuangan (lanjutan) financial instruments (continued)
Reklasifikasi aset keuangan Reclassification of financial assets
Bank diperkenankan untuk melakukan The Bank can reclassify its all of its financial
reklasifikasi atas aset keuangan yang dimiliki jika assets when and only, its business model for
Bank mengubah model bisnis untuk pengelolaan managing those financial assets changes.
aset keuangan.
Perubahan model bisnis sifatnya harus The characteristic of business model changes
berdampak secara signifikan terhadap kegiatan must significantly impact to the Bank operational
operasional Bank seperti memperoleh, activities such as collecting, disposing or
melepaskan, atau mengakhiri suatu lini bisnis. terminating a business line. In addition, the Bank
Selain itu, Bank perlu membuktikan adanya has to prove the changes to external parties.
perubahan tersebut kepada pihak eksternal.
Bank akan mereklasifikasi seluruh aset The Bank will reclassify all financial assets
keuangan yang terkena dampak dari perubahan impacted by business model changes. Changes
model bisnis. Perubahan tujuan model bisnis of the objective of the Bank’s business model
Bank harus berdampak sebelum tanggal must be impacted before reclassification date.
reklasifikasi.
Yang bukan merupakan perubahan model bisnis The following lists are not changes in business
adalah: model:
a. perubahan intensi berkaitan dengan aset a. changes in intention in relation with certain
keuangan tertentu (bahkan dalam situasi financial asset (even in situations of
perubahan signifikan dalam kondisi pasar); significant changes in market conditions);
b. hilangnya sementara pasar tertentu untuk b. temporary loss of certain markets for
aset keuangan; dan financial assets; and
c. pengalihan aset keuangan antara bagian c. transfer of financial asset between Bank
dari Bank dengan model bisnis berbeda. with different business model.
Dampak Reklasifikasi Aset Keuangan Impact of Reclassificaton of Financial Assets
Dampak reklasifikasi aset keuangan pada laba The impact of reclassification of financial asset
rugi atau ekuitas dan pengukuran awalnya on profit or loss or equity and its initial
adalah sebagai berikut: measurement is as follows:
37
Page 512
The original financial statements included herein are in
Indonesian language.
PT BANK VICTORIA INTERNATIONAL Tbk PT BANK VICTORIA INTERNATIONAL Tbk
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
Tanggal 31 Desember 2024 dan untuk As of December 31, 2024 and
Tahun yang Berakhir pada Tanggal tersebut for the Year Ended
(Disajikan dalam ribuan Rupiah, (Expressed in thousands of Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
2. IKHTISAR INFORMASI KEBIJAKAN AKUNTANSI 2. SUMMARY OF MATERIAL ACCOUNTING
MATERIAL (lanjutan) POLICIES INFORMATION (continued)
f. Klasifikasi dan Reklasifikasi Instrumen f. Classification and Reclassification of
keuangan (lanjutan) Financial Instruments (continued)
Reklasifikasi/
Reclassification Dampak Terhadap Dampak Terhadap
Nilai Tercatat Awal Setelah Reklasifikasi/
Laba Rugi/ Impact Ekuitas/ Impact on
Dari/ Initial Carrying Value After Reclassification
Ke/ To on profit or loss equity
From
1. Nilai wajar pada tanggal reklasifikasi menjadi
jumlah tercatat bruto yang baru/ Fair value at
the reclassification date becomes its new
Amortised gross carrying amount.
- -
Cost 2. Suku bunga efektif ditentukan pada dasar
nilai wajar aset pada tanggal reklasifikasi/
Effective interest rate is determined at the fair
value of the asset at reclassification date.
FVTPL
1. Aset keuangan tetap diukur pada nilai
wajarnya/ Financial assets is measured at fair
value.
FVOCI - - 2. Suku bunga efektif ditentukan pada dasar
nilai wajar aset pada tanggal reklasifikasi/
Effective interest rate is determined at the fair
value of the asset at reclassification date.
Selisih antara nilai
tercatat sebelum
reklasifikasi dan
nilai wajar setelah
reklasifikasi/
Nilai wajarnya diukur pada tanggal reklasifikasi/
FVTPL Difference in -
Fair value is measured at reclassification date.
carrying amount
before
reclassification and
fair value after
Amortised
reclassification
Cost
Selisih antara nilai
tercatat sebelum
1. Nilai wajarnya diukur pada tanggal
reklasifikasi dan nilai
reklasifikasi/ Fair value is measured at
wajar setelah
reclassification date.
reklasifikasi/
FVOCI - 2. Suku bunga efektif dan pengukuran kerugian
Difference in carrying
kredit ekspektasian tidak perlu disesuaikan/
amount before
Effective interest rate and expected credit
reclassification and
loss is not adjusted.
fair value after
reclassification
1. Nilai wajar pada tanggal reklasifikasi menjadi
Keuntungan atau
jumlah tercatat bruto yang baru ditambah atau
kerugian kumulatif
dikurangi keuntungan atau kerugian kumulatif
dihapus dari ekuitas
sebelumnya/ Fair value at the reclassification
dan disesuaikan
date becomes its new gross carrying amount
Amortised terhadap nilai wajar/
- by added or deducted the previous cumulative
Cost Cumulative gain or
gain or loss.
loss on OCI is
2. Suku bunga efektif dan pengukuran kerugian
adjusted against the
FVOCI kredit ekspektasian tidak perlu disesuaikan/
fair value of the
Effective interest rate and expected credit loss
financial asset
is not adjusted.
Keuntungan atau kerugian kumulatif
direklasifikasi dari ekuitas menjadi laba rugi/ Aset keuangan tetap diukur pada nilai wajarnya/
FVOCI
Cumulative gain or loss on OCI is reclassified Financial assets is measured at fair value
to profit or loss
38
Page 513
The original financial statements included herein are in
Indonesian language.
PT BANK VICTORIA INTERNATIONAL Tbk PT BANK VICTORIA INTERNATIONAL Tbk
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
Tanggal 31 Desember 2024 dan untuk As of December 31, 2024 and
Tahun yang Berakhir pada Tanggal tersebut for the Year Ended
(Disajikan dalam ribuan Rupiah, (Expressed in thousands of Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
2. IKHTISAR INFORMASI KEBIJAKAN AKUNTANSI 2. SUMMARY OF MATERIAL ACCOUNTING
MATERIAL (lanjutan) POLICIES INFORMATION (continued)
g. Penurunan nilai dari aset keuangan g. Impairment of financial assets
Bank menilai dengan dasar perkiraan masa yang The Bank assesses on a forward-looking basis
akan datang kerugian kredit ekspektasian the expected credit loss associated with its
(Expected Credit Loss/"ECL”) terkait dengan financial assets instruments carried at amortised
instrumen aset keuangan yang dicatat pada cost and fair value at other comprehensive
biaya perolehan diamortisasi dan nilai wajar income. The impairment methodology applied
melalui penghasilan komprehensif lain. depends on whether there has been a significant
Metodologi penurunan nilai yang ditampilkan increase in credit risk to financial asset
tergantung kepada apakah tidak terjadi measured at amortised cost and at fair value
peningkatan risiko kredit yang signifikan untuk through other comprehensive income (FVOCI).
aset keuangan yang diukur pada biaya If at the reporting date, credit risk on financial
perolehan diamortisasi dan diukur pada nilai asset has not increased significantly since initial
wajar melalui penghasilan komprehensif lain recognition, the Bank shall measure the
(FVOCI). Jika pada tanggal pelaporan, risiko allowance for losses for that financial asset at
kredit atas aset keuangan tidak meningkat the amount of 12 (twelve) months expected
secara signifikan sejak pengakuan awal, maka losses. If the credit risk on that financial asset
Bank akan mengukur penyisihan kerugian untuk has increased significantly since initial
aset keuangan tersebut sejumlah ECL 12 bulan. recognition, the Bank shall measure the
Jika risiko kredit atas aset keuangan telah allowance for losses at the amount of expected
meningkat secara signifikan dari pengakuan credit losses over its lifetime.
awal, maka Bank akan menyajikan penyisihan
kerugian sejumlah ECL lifetime.
ECL 12 bulan dan ECL lifetime 12-month ECL and Lifetime ECL
ECL 12 bulan adalah bagian dari kerugian kredit 12-month ECL is the portion of ECL that result
ekspektasian sepanjang umurnya yang from default events that are possible within the
merepresentasikan ECL yang timbul dari 12-months after reporting date (or the shorter
peristiwa gagal bayar aset keuangan yang period if expected life of financial asset is less
mungkin terjadi dalam 12 bulan setelah tanggal than 12 months). 12-month ECL is weighted by
pelaporan (atau periode yang lebih pendek jika probability of default.
umur aset keuangan yang diharapkan kurang
dari 12 bulan). ECL 12 bulan dibobot oleh
probabilitas terjadinya default dimaksud.
ECL lifetime adalah kerugian yang diakibatkan Lifetime ECL is the ECL that result from all
dari semua kejadian default yang mungkin terjadi possible default events over the expected life of
selama perkiraan waktu umur hidup aset financial asset.
keuangan.
Staging Criteria Staging Criteria
Aset keuangan harus dialokasikan ke salah satu Financial asset must be allocated to one of three
dari tiga tahap penurunan nilai (stage 1, stage 2, stages of impairment (stage 1, stage 2, stage 3)
stage 3) dengan menentukan apakah terjadi by determining whether there is
peningkatan risiko kredit yang signifikan atas a significant increase in credit risk on the
aset keuangan sejak pengakuan awal atau financial asset since initial recognition or
apakah fasilitas tersebut gagal bayar pada setiap whether the facility has defaulted on each
tanggal pelaporan. reporting date.
39
Page 514
The original financial statements included herein are in
Indonesian language.
PT BANK VICTORIA INTERNATIONAL Tbk PT BANK VICTORIA INTERNATIONAL Tbk
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
Tanggal 31 Desember 2024 dan untuk As of December 31, 2024 and
Tahun yang Berakhir pada Tanggal tersebut for the Year Ended
(Disajikan dalam ribuan Rupiah, (Expressed in thousands of Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
2. IKHTISAR INFORMASI KEBIJAKAN AKUNTANSI 2. SUMMARY OF MATERIAL ACCOUNTING
MATERIAL (lanjutan) POLICIES INFORMATION (continued)
g. Penurunan nilai dari aset keuangan (lanjutan) g. Impairment of financial assets (continued)
Stage 1: ECL diakui pada saat pengakuan awal Stage 1: ECL are recognised at the time of initial
instrumen keuangan dan merepresentasikan recognition of a financial instrument and
kekurangan kas sepanjang umur aset yang represent the lifetime cash shortfalls arising from
timbul dari kemungkinan gagal bayar di masa possible default events up to twelve months into
yang akan datang dalam kurun waktu dua belas the future from the reporting date. ECL continue
bulan sejak tanggal pelaporan. ECL terus to be determined on this basis until there is either
ditentukan oleh dasar ini sampai timbul a significant increase in the credit risk of an
peningkatan risiko kredit yang signifikan pada instrument or the instrument becomes credit-
instrumen tersebut atau instrumen tersebut telah impaired. If an instrument is no longer
mengalami penurunan nilai kredit. Jika suatu considered to exhibit a significant increase in
instrumen tidak lagi dianggap menunjukkan credit risk, ECL will revert to being determined
peningkatan risiko kredit yang signifikan, maka on a 12-month basis.
ECL dihitung kembali berdasarkan basis dua
belas bulan.
Stage 2: mencakup aset keuangan yang Stage 2: includes financial assets that
mengalami peningkatan signifikan atas risiko experience a significant increase in credit risk
kredit (“SICR”) sejak pengakuan awal (kecuali (“SICR”) since initial recognition (unless having
jika memiliki risiko kredit rendah pada tanggal low credit risk at the reporting date), but do not
pelaporan), namun tidak memiliki bukti have objective evidence of impairment. For
penurunan nilai yang objektif. Untuk aset ini, ECL these assets, Lifetime ECL will be calculated.
lifetime dihitung. ECL lifetime adalah kerugian Lifetime ECL are the ECL that results from all
pinjaman yang diharapkan yang dihasilkan dari possible default events over the expected life of
semua kejadian default yang mungkin terjadi financial asset.
selama perkiraan umur dari aset keuangan.
Bank menggunakan berbagai pengukuran The Bank uses a number of qualitative and
kualitatif dan kuantitatif dalam menilai SICR quantitative measures in assessing SICR as
seperti berikut: follows:
Pinjaman yang diberikan Loans
a. Kriteria kuantitatif a. Quantitative criteria
Akun-akun dengan 30 hari tunggakan Accounts that are 30 days past due (“DPD”)
(“DPD”) dianggap telah mengalami are considered to have experienced a
peningkatan risiko kredit yang signifikan. significant increase in credit risk.
b. Kriteria kualitatif b. Qualitative criteria
Debitur dengan DPD kurang dari 30 hari Debtors with DPD less than 30 days which
yang telah direstrukturisasi (kecuali debitur have been restructured (except for
restrukturisasi akibat dampak pandemi restructured debtors as a result of the
COVID-19) dianggap memiliki kenaikan COVID-19 pandemic) which is considered
signifikan atas risiko kredit. to have a significant increase in credit risk.
Stage 3: Aset hanya akan dianggap mengalami Stage 3: An asset is only considered credit
penurunan nilai dan kerugian kredit impaired and lifetime expected credit losses
ekspektasian sepanjang umurnya diakui, jika recognised, if there is observed objective
terdapat bukti objektif penurunan nilai yang evidence of impairment. These factors are
dapat diobservasi. Faktor-faktor yang similar to the indicators of objective evidence of
diobservasi ini serupa dengan indikator bukti impairment under SFAS 109 (previously
SFAS 71), this includes,
40
Page 515
The original financial statements included herein are in
Indonesian language.
PT BANK VICTORIA INTERNATIONAL Tbk PT BANK VICTORIA INTERNATIONAL Tbk
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
Tanggal 31 Desember 2024 dan untuk As of December 31, 2024 and
Tahun yang Berakhir pada Tanggal tersebut for the Year Ended
(Disajikan dalam ribuan Rupiah, (Expressed in thousands of Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
2. IKHTISAR INFORMASI KEBIJAKAN AKUNTANSI 2. SUMMARY OF MATERIAL ACCOUNTING
MATERIAL (lanjutan) POLICIES INFORMATION (continued)
g. Penurunan nilai dari aset keuangan (lanjutan) g. Impairment of financial assets (continued)
objektif penurunan nilai pada PSAK 109 (dahulu amongst other factors, assets in default or
PSAK 71), termasuk antara lain aset gagal experiencing significant financial difficulty, or
bayar atau mengalami kesulitan keuangan yang experiencing forbearance on impaired credit
signifikan atau mengalami forbearance atas (mentioned as ‘Stage 3 asset’). The
kredit yang mengalami penurunan nilai (disebut measurement of expected credit losses across
sebagai ‘aset Stage 3’). Pengukuran kerugian all stages is required to reflect an unbiased and
kredit ekspektasian di seluruh tahapan aset probability weighted amount that is determined
diperlukan untuk mencerminkan jumlah yang by evaluating a range of reasonably possible
tidak bias dan rata-rata probabilitas tertimbang outcomes using reasonable and supportable
yang ditentukan dengan mengevaluasi information about past events, current
serangkaian kemungkinan yang dapat terjadi conditions and forecasts of future economic
menggunakan informasi yang wajar dan dapat conditions.
didukung dengan peristiwa di masa lampau,
kondisi saat ini dan proyeksi terkait dengan
kondisi ekonomis di masa depan.
Aset keuangan yang mengalami penurunan nilai Financial assets that are credit impaired (or in
(atau gagal bayar) merupakan aset yang default) represent those that are at least 90 days
setidaknya telah memiliki tunggakan lebih dari past due in respect of principal and/or interest or
90 hari atas pokok dan/atau bunga atau memiliki has certain credit grades (default). Financial
peringkat kredit tertentu (default). Aset assets are also considered to be credit impaired
keuangan juga dianggap mengalami penurunan where the debtors are unlikely to pay on the
nilai kredit dimana debitur kemungkinan besar occurrence of one or more observable events
tidak akan membayar dengan terjadinya satu that have a detrimental impact on the estimated
atau lebih kejadian yang teramati yang memiliki future cash flows of the financial asset. Loss
dampak menurunkan jumlah estimasi arus kas provisions against credit impaired financial
masa depan dari aset keuangan tersebut. assets are determined based on an assessment
Cadangan kerugian penurunan nilai terhadap of the recoverable cash flows under a range of
aset keuangan yang mengalami penurunan nilai scenarios, including the realisation of any
ditentukan berdasarkan penilaian terhadap arus collateral held where appropriate. The ECL will
kas yang dapat dipulihkan berdasarkan reflect weighted average of the scenarios based
sejumlah skenario, termasuk realisasi jaminan on the probability of the relevant scenario to
yang dimiliki jika memungkinkan. ECL akan occur. The loss provisions held represent the
mencerminkan rata-rata tertimbang dari difference between the present value of the
skenario berdasarkan probabilitas dari skenario cash flows expected to be recovered,
yang relevan untuk terjadi. Cadangan kerugian discounted at the instrument’s original effective
penurunan nilai merupakan selisih antara nilai interest rate, and the gross carrying value of the
sekarang dari arus kas yang diperkirakan akan instrument prior to any credit impairment.
dipulihkan, didiskontokan pada suku bunga
efektif awal, dan nilai tercatat bruto instrumen
sebelum penurunan nilai kredit.
Periode yang diperhitungkan ketika mengukur The period considered when measuring
kerugian kredit ekspektasian adalah periode expected credit loss is the contractual term of
kontrak aset keuangan. Umur ekspektasian the financial asset. The expected life may be
dapat dipengaruhi oleh pembayaran dimuka dan impacted by prepayments and the maximum
periode kontrak maksimum melalui opsi contractual term by extension options. For
perpanjangan kontrak. Untuk portofolio revolving certain revolving portfolios, the expected life is
tertentu, umur ekspektasian dinilai sepanjang assessed over the period that the Bank is
periode dimana Bank terekspos dengan risiko exposed to credit risk (which is based on the
kredit (berdasarkan durasi waktu yang length of time it takes for credit facilities to be
dibutuhkan untuk fasilitas kredit ditarik). withdrawn).
41
Page 516
The original financial statements included herein are in
Indonesian language.
PT BANK VICTORIA INTERNATIONAL Tbk PT BANK VICTORIA INTERNATIONAL Tbk
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
Tanggal 31 Desember 2024 dan untuk As of December 31, 2024 and
Tahun yang Berakhir pada Tanggal tersebut for the Year Ended
(Disajikan dalam ribuan Rupiah, (Expressed in thousands of Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
2. IKHTISAR INFORMASI KEBIJAKAN AKUNTANSI 2. SUMMARY OF MATERIAL ACCOUNTING
MATERIAL (lanjutan) POLICIES INFORMATION (continued)
g. Penurunan nilai dari aset keuangan (lanjutan) g. Impairment of financial assets (continued)
Untuk aset yang diukur pada biaya perolehan For assets measured at amortised cost, the
diamortisasi, saldo di neraca mencerminkan aset balance sheet amount reflects the gross asset
bruto dikurangi kerugian kredit ekspektasian. less the expected credit losses. For debt
Untuk instrumen utang dalam kategori FVOCI, instruments held at FVOCI, the balance sheet
saldo di neraca mencerminkan nilai wajar dari amount reflects the instrument’s fair value less
instrumen dikurangi dengan cadangan kerugian the expected credit losses.
kredit ekspektasian.
Untuk menentukan kerugian kredit ekspektasian To determine the expected credit loss, these
komponen-komponen ini akan diperhitungkan components are multiplied together and
secara bersama-sama dan didiskontokan ke discounted to the balance sheet date using the
tanggal laporan keuangan menggunakan effective interest rate as the discount rate.
diskonto berdasarkan suku bunga efektif.
PSAK 109 (dahulu PSAK 71) mensyaratkan SFAS 109 (previously SFAS 71) requires
penyertaan informasi tentang kejadian masa supportable information about past events,
lalu, kondisi saat ini dan perkiraan kondisi current condition and forecasts of future
ekonomi masa depan. Perkiraan perubahan economic conditions. Estimated movement on
dalam kerugian pinjaman yang diharapkan harus expected credit losses have to be reflected and
mencerminkan dan secara langsung konsisten directly consistent with changes in observed
dengan perubahan dalam data terkait yang related data over the period. This ECL
diobservasi dari periode ke periode. Perhitungan calculation needs forward-looking estimation
ECL ini membutuhkan estimasi forward-looking from Probability of Default (PD), Loss Given
dari Probability of Default (PD), Loss Given Default (LGD) and Exposure At Default (EAD).
Default (LGD) dan Exposure At Default (EAD).
Untuk komitmen pinjaman dan kontrak jaminan For loan commitments and financial guarantee
keuangan, tanggal pada saat Bank menjadi contracts, the date when the Bank become
pihak dalam suatu komitmen yang tidak dapat a party in a irrevocable commitment is the date
dibatalkan merupakan tanggal pengakuan awal of initial recognition for implementation of
untuk keperluan penerapan persyaratan impairment purposes.
penurunan nilai.
a. Probability of Default (“PD”) a. Probability of Default (“PD”)
Probabilitas yang timbul di suatu waktu The probability at a point in time that
dimana debitur mengalami gagal bayar, a counterparty will default, calibrated over up
dikalibrasikan sampai dengan periode to 12 months from the reporting date
12 bulan dari tanggal laporan (Stage 1) atau (Stage 1) or over the lifetime of the product
sepanjang umur (Stage 2 dan 3) dan (Stage 2 and 3) and incorporating the impact
digabungkan pada dampak asumsi ekonomi of forward-looking economic assumptions
masa depan yang memiliki risiko kredit. PD that have an effect on credit risk. PD is
diestimasikan pada point in time dimana hal estimated at a point in time that means it will
ini berfluktuasi sejalan dengan siklus fluctuate in line with the economic cycle.
ekonomi.
42
Page 517
The original financial statements included herein are in
Indonesian language.
PT BANK VICTORIA INTERNATIONAL Tbk PT BANK VICTORIA INTERNATIONAL Tbk
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
Tanggal 31 Desember 2024 dan untuk As of December 31, 2024 and
Tahun yang Berakhir pada Tanggal tersebut for the Year Ended
(Disajikan dalam ribuan Rupiah, (Expressed in thousands of Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
2. IKHTISAR INFORMASI KEBIJAKAN AKUNTANSI 2. SUMMARY OF MATERIAL ACCOUNTING
MATERIAL (lanjutan) POLICIES INFORMATION (continued)
g. Penurunan nilai dari aset keuangan (lanjutan) g. Impairment of financial assets (continued)
b. Loss Given Default (“LGD”) b. Loss Given Default (“LGD”)
Kerugian yang diperkirakan akan timbul dari The loss that is expected to arise on default,
debitur yang mengalami gagal bayar dengan incorporating the impact of relevant forward
menggabungkan dampak dari asumsi looking economic assumptions
ekonomi masa depan yang relevan (jika ada) (if any), which represents the difference
dimana hal ini mewakili perbedaan antara between the contractual cash flows due and
arus kas kontraktual yang akan jatuh tempo those that the Bank expects to receive. The
dengan arus kas yang diharapkan untuk Bank estimates LGD based on the historical
diterima. Bank mengestimasikan LGD recovery rates and considers the recovery of
berdasarkan data historis dari tingkat any collateral that is integral to the financial
pemulihan dan memperhitungkan pemulihan assets, taking into account forward looking
yang berasal dari jaminan terhadap aset economic assumptions if relevant.
keuangan dengan 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, amortisation and prepayments,
dipercepat, bersama dengan dampak asumsi together with the impact of forward looking
ekonomi masa depan jika relevan. economic assumptions where relevant.
h. Penurunan nilai dari aset non-keuangan h. Impairment of non-financial assets
Nilai tercatat aset non-keuangan Bank, selain The carrying amount of the Bank's non-financial
aset pajak tangguhan, dikaji pada setiap tanggal assets, other than deferred tax assets, are
pelaporan untuk menentukan ada tidaknya reviewed at each reporting date to determine
indikasi penurunan nilai. Untuk tujuan pengujian whether there is any indication of impairment.
penurunan nilai, aset yang tidak dapat diuji For the purpose of impairment testing, assets
secara individual dapat digabungkan ke dalam that cannot be tested individually are grouped
kelompok aset terkecil yang menghasilkan arus together into the smallest group of assets that
kas masuk dari penggunaan berkelanjutan yang generates cash inflows from continuing use that
sebagian besar independen dari arus kas masuk are largely independent of the cash inflows of
dari aset lainnya (Unit Penghasil Kas atau other assets (Cash Generating Units or “CGU”).
“CGU”). Jika terdapat indikasi adanya penurunan If any such indication exists, then the asset's
nilai tersebut, maka nilai terpulihkan aset recoverable amount is estimated.
diestimasi.
Kerugian penurunan nilai diakui jika nilai tercatat An impairment loss is recognised if the carrying
suatu aset atau CGU melebihi estimasi nilai amount of an asset or CGU exceeds its
terpulihkannya. Nilai terpulihkan suatu aset estimated recoverable amount. The recoverable
adalah nilai yang terbesar antara nilai pakai aset amount of an asset or CGU is the greater of its
atau CGU dan nilai wajar dikurangi biaya value in use and its fair value less cost to sell. In
penjualan. Dalam penentuan nilai pakai aset, assessing value in use, the estimated future
estimasi arus kas masa depan didiskontokan cash flows are discounted to their present value
menggunakan tingkat diskonto sebelum pajak using a pre-tax discount rate that reflects current
yang menggambarkan penilaian pasar kini atas market assessments of the time value of money
nilai waktu dari uang dan risiko yang terkait and the risks specific to the asset.
dengan aset yang bersangkutan.
43
Page 518
The original financial statements included herein are in
Indonesian language.
PT BANK VICTORIA INTERNATIONAL Tbk PT BANK VICTORIA INTERNATIONAL Tbk
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
Tanggal 31 Desember 2024 dan untuk As of December 31, 2024 and
Tahun yang Berakhir pada Tanggal tersebut for the Year Ended
(Disajikan dalam ribuan Rupiah, (Expressed in thousands of Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
2. IKHTISAR INFORMASI KEBIJAKAN AKUNTANSI 2. SUMMARY OF MATERIAL ACCOUNTING
MATERIAL (lanjutan) POLICIES INFORMATION (continued)
h. Penurunan nilai dari aset non-keuangan h. Impairment of non-financial assets
(lanjutan) (continued)
Kerugian penurunan nilai atas aset non- Impairment losses in respect of non-financial
keuangan yang diakui pada tahun sebelumnya assets recognised in prior year are assessed at
dikaji pada setiap tanggal pelaporan keuangan each reporting date for any indications that the
untuk menilai apakah terdapat indikasi bahwa loss has decreased or no longer exists. An
rugi penurunan nilai yang telah diakui impairment loss, except for goodwill, is reversed
sebelumnya telah menurun atau tidak ada lagi. if there has been a change in the estimates used
Kerugian penurunan nilai, kecuali untuk goodwill, to determine the recoverable amount. An
dipulihkan jika terdapat perubahan estimasi yang impairment loss is reversed only to the extent
digunakan untuk menentukan nilai terpulihkan. that the asset's carrying amount does not
Jumlah kerugian penurunan nilai yang dibalik exceed the carrying amount that would have
tidak boleh menyebabkan nilai aset melebihi nilai been determined, net of depreciation or
tercatat bersih setelah penyusutan atau amortisation, if no impairment loss had been
amortisasi, seandainya tidak ada kerugian recognised.
penurunan nilai yang diakui.
i. Kas dan setara kas i. Cash and cash equivalents
Kas meliputi kas dan kas dalam khasanah. Untuk Cash includes cash on hand and cash in vault.
tujuan laporan arus kas, kas dan setara kas For the purpose of the statement of cash flows,
mencakup kas, giro pada Bank Indonesia, giro cash and cash equivalents include cash, current
pada bank lain, penempatan pada Bank accounts with Bank Indonesia, current accounts
Indonesia dan bank lain, dan Sertifikat Bank with other banks, placements with Bank
Indonesia yang jatuh tempo dalam 3 (tiga) bulan Indonesia and other banks, and Certificates of
atau kurang sejak tanggal perolehan yang tidak Bank Indonesia maturing within 3 (three)
dijaminkan atau dibatasi penggunaannya. months or less from the date of acquisition and
are not pledged or restricted.
j. Giro pada Bank Indonesia dan bank lain j. Current accounts with Bank Indonesia and
other banks
Giro pada Bank Indonesia dan bank lain Current accounts with Bank Indonesia and other
diklasifikasikan sebagai aset keuangan yang banks are classified as financial assets
diukur pada biaya perolehan diamortisasi. Lihat measured at amortised cost. Refer to Note 2d
Catatan 2d untuk kebijakan akuntansi atas aset for the accounting policy of financial assets.
keuangan.
Giro pada Bank Indonesia dan bank lain Current accounts with Bank Indonesia and other
dinyatakan sebesar saldo giro dikurangi dengan banks are stated at the outstanding balance less
cadangan kerugian penurunan nilai. allowance for impairment losses.
k. Penempatan pada Bank Indonesia dan bank k. Placements with Bank Indonesia and other
lain banks
Penempatan pada Bank Indonesia dan bank lain Placements with Bank Indonesia and other
merupakan penanaman dana dalam bentuk banks consist of interbank call money, Time
interbank call money, Deposito berjangka, deposit, Certificate of deposits, and Bank
Sertifikat deposito, dan Fasilitas Simpanan Bank Indonesia Deposit Facility ("FASBI").
Indonesia ("FASBI").
44
Page 519
The original financial statements included herein are in
Indonesian language.
PT BANK VICTORIA INTERNATIONAL Tbk PT BANK VICTORIA INTERNATIONAL Tbk
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
Tanggal 31 Desember 2024 dan untuk As of December 31, 2024 and
Tahun yang Berakhir pada Tanggal tersebut for the Year Ended
(Disajikan dalam ribuan Rupiah, (Expressed in thousands of Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
2. IKHTISAR INFORMASI KEBIJAKAN AKUNTANSI 2. SUMMARY OF MATERIAL ACCOUNTING
MATERIAL (lanjutan) POLICIES INFORMATION (continued)
l. Efek-efek l. Marketable securities
Efek-efek yang dimiliki terdiri dari Sertifikat Bank Marketable securities consist of Certificates of
Indonesia (“SBI”), Sekuritas Rupiah Bank Bank Indonesia (“SBI”), Bank Indonesia Rupiah
Indonesia (“SRBI”), Surat Utang Negara, Surat Securities (“SRBI”), Government Promissory
Berharga Syariah Negara, obligasi korporasi, Notes, Government Sharia Bonds, corporate
wesel jangka menengah, unit penyertaan bonds, medium term notes, mutual fund
reksadana, dan efek-efek pasar uang dan pasar investment units and other money market and
modal lainnya. capital market securities.
Setelah pengakuan awal, efek-efek diukur Subsequently accounted for, marketable
sesuai dengan klasifikasinya masing-masing, securities depending on their respective
sebagai diukur pada biaya perolehan classifications, as either measured at amortised
diamortisasi atau diukur pada nilai wajar melalui cost or measured at fair value through other
pendapatan komprehensif lain (“FVOCI”) atau comprehensive income (“FVOCI“) or measured
diukur pada nilai wajar melalui laporan laba rugi at fair value through profit or loss (“FVTPL”).
(“FVTPL”).
1. Diukur pada biaya perolehan 1. Measured at amortised cost
diamortisasi
Setelah pengakuan awal, investasi diukur Accounted for, investment measured at
pada biasa perolehan diamortisasi dengan amortised cost using effective interest rate
menggunakan metode suku bunga efektif. method.
2. Diukur pada FVOCI 2. Measured at FVOCI
Setelah pengakuan awal, diukur pada nilai Accounted for, investment carried at fair
wajar dimana keuntungan dan kerugian value with all unrealised gains and losses
yang belum direalisasi atas perubahan nilai arising from changes in fair value
wajar akan diakui sebagai penghasilan recognised in other comprehensive income.
komprehensif lain. Perubahan pada Changing in expected credit losses
kerugian kredit ekspektasian diakui laba rugi recognised in the profit or loss and are
dan diakumulasi pada ekuitas. Pada saat accumulated in equity. On derecognition,
penghentian pengakuan, akumulasi the cumulative fair value gains or losses, net
keuntungan atau kerugian nilai wajar bersih, of cumulative allowance for impairmen
setelah akumulasi cadangan kerugian losses, are transferred to the profit or loss.
penurunan nilai, ditransfer ke laba rugi.
3. Diukur pada FVTPL 3. Measured at FVTPL
Seluruh aset keuangan yang tidak All financial assets not classified as
diklasifikasikan sebagai diukur dengan biaya measured at amortised cost or FVOCI as
perolehan diamortisasi atau FVOCI described above are measured at FVTPL.
sebagaimana ketentuan di atas diukur Financial instruments grouped into this
dengan FVTPL. Instrumen keuangan yang category are recognised at their fair value at
dikelompokkan ke dalam kategori ini diakui initial recognition; transaction costs are
pada nilai wajarnya pada saat pengakuan recognised directly in the statement of profit
awal; biaya transaksi diakui secara langsung or loss. Gains and losses arising from
ke dalam laporan laba rugi. Keuntungan dan changes in fair value and sale of financial
kerugian yang timbul dari perubahan nilai instruments are recognised in the statement
wajar dan penjualan instrumen keuangan of profit or loss.
diakui di dalam laporan laba rugi.
45
Page 520
The original financial statements included herein are in
Indonesian language.
PT BANK VICTORIA INTERNATIONAL Tbk PT BANK VICTORIA INTERNATIONAL Tbk
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
Tanggal 31 Desember 2024 dan untuk As of December 31, 2024 and
Tahun yang Berakhir pada Tanggal tersebut for the Year Ended
(Disajikan dalam ribuan Rupiah, (Expressed in thousands of Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
2. IKHTISAR INFORMASI KEBIJAKAN AKUNTANSI 2. SUMMARY OF MATERIAL ACCOUNTING
MATERIAL (lanjutan) POLICIES INFORMATION (continued)
m. Pinjaman yang diberikan m. Loans
Pinjaman yang diberikan adalah penyediaan Loans represent provision of cash or cash
uang atau tagihan yang dapat disetarakan equivalents based on agreements with debtor,
dengan kas, berdasarkan persetujuan atau where debtor required to repay their debts with
kesepakatan pinjam-meminjam dengan debitur, interest after specified periods.
mewajibkan pihak debitur untuk melunasi hutang
berikut bunganya setelah jangka waktu tertentu.
Restrukturisasi pinjaman bisa meliputi modifikasi Loan restructuring may involve a modification of
persyaratan pinjaman, konversi pinjaman the terms of the loans, conversion of loans into
menjadi saham atau instrumen keuangan equity or other financial instruments and/or a
lainnya dan/atau kombinasi dari keduanya. combination of both.
Pinjaman yang direstrukturisasi dan tidak Restructured loans which are not derecognised,
dihentikan pengakuannya disajikan sebesar nilai are stated at the lower of carrying value of the
yang lebih rendah antara nilai tercatat pinjaman loan at the time of restructuring or net present
pada tanggal restrukturisasi atau proyeksi nilai value of the estimate of total future cash receipts
kini dari penerimaan kas masa depan setelah after restructuring. Losses arising from any
restrukturisasi. Kerugian akibat selisih antara excess of the carrying value of the loan at the
nilai tercatat pinjaman pada tanggal time of restructuring over the net present value
restrukturisasi dengan nilai tunai penerimaan of the total future cash receipts after
kas masa depan setelah restrukturisasi diakui restructuring are recognised as profit/loss.
sebagai laba/rugi. Setelah restrukturisasi, semua Thereafter, all cash receipts under the new
penerimaan kas masa depan yang ditetapkan terms shall be accounted for as the recovery of
dalam persyaratan baru dicatat sebagai principal and interest revenue, in accordance
pengembalian pokok pinjaman yang diberikan with the restructuring scheme.
dan pendapatan bunga sesuai dengan syarat-
syarat restrukturisasi.
n. Efek-efek yang dibeli dengan janji dijual n. Securities purchased under resale
kembali dan efek-efek yang dijual dengan agreements and securities sold under
janji dibeli kembali repurchase agreements
Efek-efek yang dibeli dengan janji dijual kembali Securities purchased under resale agreements
merupakan transaksi dimana Bank membeli aset are transactions in which the Bank purchases a
keuangan dan secara simultan masuk ke dalam financial asset and simultaneously enters into
perjanjian untuk menjual kembali aset (atau aset an agreement to resell the asset (or
yang serupa secara substansial) dengan harga substantially similar asset) at a fixed price on a
tetap di masa depan. Aset yang mendasari tidak future date. The underlying asset is not
diakui dalam laporan keuangan. Setelah recognised in the financial statements.
pengakuan awal, efek-efek yang dibeli dengan Subsequent to initial recognition, securities
janji dijual kembali diukur pada biaya perolehan purchased under resale agreements are
diamortisasi. Selisih antara harga beli dan harga measured at amortised cost. The difference
jual kembali diakui sebagai pendapatan bunga between purchase and resale price is
dengan menggunakan metode suku bunga recognised as interest income using the
efektif. effective interest method.
Efek-efek yang dijual dengan janji dibeli kembali Securities sold under repurchase agreements
merupakan transaksi dimana Bank menjual aset are transactions in which the Bank sold a
keuangan dan secara simultan masuk ke dalam financial asset and simultaneously enters into
perjanjian untuk membeli kembali aset (atau aset an agreement to repurchase the asset (or
yang serupa secara substansial) dengan harga substantially similar asset) at a fixed price on a
tetap di masa depan. future date.
46
Page 521
The original financial statements included herein are in
Indonesian language.
PT BANK VICTORIA INTERNATIONAL Tbk PT BANK VICTORIA INTERNATIONAL Tbk
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
Tanggal 31 Desember 2024 dan untuk As of December 31, 2024 and
Tahun yang Berakhir pada Tanggal tersebut for the Year Ended
(Disajikan dalam ribuan Rupiah, (Expressed in thousands of Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
2. IKHTISAR INFORMASI KEBIJAKAN AKUNTANSI 2. SUMMARY OF MATERIAL ACCOUNTING
MATERIAL (lanjutan) POLICIES INFORMATION (continued)
n. Efek-efek yang dibeli dengan janji dijual n. Securities purchased under resale
kembali dan efek-efek yang dijual dengan agreements and securities sold under
janji dibeli kembali (lanjutan) repurchase agreements (continued)
Efek-efek yang dijual dengan janji untuk dibeli Securities sold under repurchase agreements
kembali disajikan sebagai liabilitas dalam are presented as liabilities in the statement of
laporan posisi keuangan sebesar harga beli financial position at the agreed repurchase price
kembali yang disepakati dikurangi selisih antara less the difference between the selling price and
harga jual dan harga beli kembali yang agreed repurchase price. The difference
disepakati. Selisih antara harga jual dan harga between the selling price and agreed
beli kembali yang disepakati tersebut repurchase price is amortised as interest
diamortisasi sebagai beban bunga selama expense over the period commencing from the
jangka waktu sejak efek-efek dijual hingga dibeli selling date to the repurchase date.
kembali.
o. Tagihan dan utang akseptasi o. Acceptance receivables and payables
Setelah pengakuan awal, tagihan dan utang Subsequent to initial recognition, acceptance
akseptasi diukur pada biaya perolehan receivables and payables are measured at
diamortisasi dengan menggunakan metode suku amortised cost using the effective interest
bunga efektif. method.
p. Penyertaan saham p. Investment in shares
(A) Penyertaan saham (A) Investment in shares
Penyertaan saham merupakan investasi Investment in shares of stock are long-term
jangka panjang pada perusahaan non- investments in non-public companies.
publik.
Penyertaan saham merupakan investasi Investment in shares of stock are long-term
jangka panjang pada perusahaan non- investments in non-public companies.
publik.
Penyertaan dalam bentuk saham dengan Investments in shares of stock where the
kepemilikan kurang dari 20% yang nilai ownership interest of less than 20% that do
wajarnya tidak tersedia dan dimaksudkan not have readily determinable fair values
untuk penyertaan jangka panjang and are intended for long-term investments
dinyatakan sebesar estimasi terbaik atas are stated at their best estimate of fair
nilai wajarnya. Bila terjadi penurunan nilai value. The carrying amount of the
yang bersifat permanen, nilai tercatatnya investments is written-down to recognise a
dikurangi untuk mengakui penurunan permanent decline in the value of the
tersebut yang ditentukan untuk setiap individual investments. Any such write-
investasi secara individu dan kerugiannya down is charged directly to current year
dibebankan pada laporan laba rugi tahun statement of profit or loss.
berjalan.
(B) Penyertaan saham sementara (B) Temporary investment in shares
Penyertaan saham sementara merupakan Temporary investment in shares is
penyertaan modal oleh Bank, dalam bentuk investment in shares by Bank to debtor’s
saham pada perusahaan debitur untuk company to overcome the credit defaults, in
mengatasi akibat kegagalan kredit, accordance with the prevailing laws.
sebagaimana dimaksud dalam ketentuan
peraturan perundang-undangan yang
berlaku.
47
Page 522
The original financial statements included herein are in
Indonesian language.
PT BANK VICTORIA INTERNATIONAL Tbk PT BANK VICTORIA INTERNATIONAL Tbk
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
Tanggal 31 Desember 2024 dan untuk As of December 31, 2024 and
Tahun yang Berakhir pada Tanggal tersebut for the Year Ended
(Disajikan dalam ribuan Rupiah, (Expressed in thousands of Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
2. IKHTISAR INFORMASI KEBIJAKAN AKUNTANSI 2. SUMMARY OF MATERIAL ACCOUNTING
MATERIAL (lanjutan) POLICIES INFORMATION (continued)
p. Penyertaan saham (lanjutan) p. Investment in shares (continued)
(B) Penyertaan saham sementara (lanjutan) (B) Temporary investment in shares
(continued)
Bank wajib melakukan divestasi penyertaan Bank is obliged to divest temporary
saham sementara apabila penyertaan investment in shares if the temporary
saham sementara telah melebihi jangka investment in shares have exceeded if
waktu paling lama 5 (lima) tahun atau maximum period of 5 (five) years or the
perusahaan tersebut telah memperoleh company have obtained positive retained
saldo laba positif pada ekuitasnya. earnings in equity.
Penyertaan dalam bentuk saham dengan Investments in shares where the ownership
kepemilikan lebih dari 20%, tanpa ada above 20%, without any significant
pengaruh signifikan diklasifikasikan sebagai influence is classified as financial assets at
aset keuangan yang diukur pada nilai wajar fair value through profit or loss. Refer to
melalui laporan laba rugi. Lihat Catatan 2d Note 2d for the accounting policy of
untuk kebijakan akuntansi atas aset financial assets at fair value through profit
keuangan dalam kelompok yang diukur or loss.
pada nilai wajar melalui laporan laba rugi.
q. Aset tetap dan penyusutan q. Fixed assets and depreciation
Pada tanggal 30 November 2015, Bank On November 30, 2015, the Bank changed their
melakukan perubahan kebijakan akuntansi atas accounting policies of fixed assets from cost
aset tetap dari model biaya menjadi model model to revaluation model.
revaluasi.
Aset tetap Bank disajikan sebesar nilai wajar, The Bank’s fixed assets are shown at fair value,
dikurangi akumulasi penyusutan dan cadangan less subsequent depreciation for fixed assets
kerugian penurunan nilai untuk aset tetap (jika less accumulated impairment losses (if any).
ada). Penilaian terhadap aset tetap dilakukan Valuation of fixed assets are performed by
oleh penilai independen eksternal yang telah external independent valuers with certain
memiliki sertifikasi. Penilaian atas aset tersebut qualification. Valuations are performed with
dilakukan secara berkala untuk memastikan sufficient regularity to ensure that the fair value
bahwa nilai wajar aset yang direvaluasi tidak of a revalued asset does not differ materially
berbeda secara material dengan nilai from its carrying amount. Based on Bank’s
tercatatnya. Berdasarkan kebijakan internal internal policy, valuation of fixed assets
Bank, penilaian terhadap aset tetap yang performed by external independent valuers for
dilakukan oleh penilai independen eksternal every 5 years. Any accumulated depreciation at
dilakukan 5 tahun sekali. Akumulasi penyusutan the date of revaluation is eliminated against the
pada tanggal revaluasi dieliminasi terhadap nilai gross carrying amount of the asset, and the net
tercatat bruto aset, dan nilai bersihnya disajikan amount is restated to the revalued amount of the
kembali sebesar nilai revaluasian aset tetap. asset.
Kenaikan nilai tercatat yang timbul dari revaluasi Increases in the carrying amount arising on
aset tetap dicatat sebagai “Surplus revaluasi revaluation of fixed assets recorded in “Assets
aset” dan disajikan sebagai “Penghasilan revaluation reserve” and presented as “Other
Komprehensif Lain”. Penurunan yang Comprehensive Income”. Decreases that offset
menghapus nilai kenaikan yang sebelumnya previous increases of the same asset are
atas aset yang sama dibebankan terhadap debited against “Asset revaluation reserve” as
“Surplus revaluasi aset” sebagai bagian dari laba part of other comprehensive income; all other
komprehensif; penurunan lainnya dibebankan decreases are charged to the statement of profit
pada laporan laba rugi. or loss.
48
Page 523
The original financial statements included herein are in
Indonesian language.
PT BANK VICTORIA INTERNATIONAL Tbk PT BANK VICTORIA INTERNATIONAL Tbk
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
Tanggal 31 Desember 2024 dan untuk As of December 31, 2024 and
Tahun yang Berakhir pada Tanggal tersebut for the Year Ended
(Disajikan dalam ribuan Rupiah, (Expressed in thousands of Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
2. IKHTISAR INFORMASI KEBIJAKAN AKUNTANSI 2. SUMMARY OF MATERIAL ACCOUNTING
MATERIAL (lanjutan) POLICIES INFORMATION (continued)
q. Aset tetap dan penyusutan (lanjutan) q. Fixed assets and depreciation (continued)
Surplus revaluasi aset tetap dialihkan langsung Gain on revaluation of fixed assets are
ke saldo laba ketika aset tersebut dihentikan transferred to retained earnings when fixed
pengakuannya. assets are derecognised.
Tanah tidak disusutkan. Land is not depreciated.
Penyusutan aset tetap selain tanah dihitung Depreciation of fixed assets other than land are
dengan menggunakan metode garis lurus untuk calculated based on the straight-line method to
mengalokasikan nilai setelah revaluasi terhadap allocate their revalued amount to their residual
nilai sisa sepanjang estimasi masa manfaatnya values over their estimated useful lives as
sebagai berikut: follows:
Penyusutan
Masa manfaat/ (persentase)/
Useful lives Depreciation
Tahun/Years (percentage)
Gedung kantor 20 5% Office buildings
Kendaraan bermotor 4 25% Vehicles
Mesin dan peralatan 4 25% Machinery and equipment
Perlengkapan dan perabotan kantor 4 25% Office furniture and equipment
Nilai sisa aset, masa manfaat, dan metode The assets residual values, useful lives, and
penyusutan akan ditinjau dan jika perlu depreciation method are reviewed and adjusted
disesuaikan pada setiap akhir periode pelaporan. if appropriate at the end of each reporting
period.
Pada tanggal 31 Desember 2024 dan 2023, tidak As of December 31, 2024 and 2023, there are
terdapat penyesuaian atas masa manfaat dan no adjustment on useful life and depreciation
metode penyusutan. method.
Apabila nilai tercatat aset lebih besar dari nilai When the carrying amount of an asset is greater
yang dapat diperoleh kembali, nilai tercatat aset than its estimated recoverable amount, it is
diturunkan menjadi sebesar nilai yang dapat written down immediately to its recoverable
diperoleh kembali, dengan menggunakan nilai amount, which is determined as the higher of
tertinggi antara harga jual bersih dan nilai pakai. net selling price or value in use.
Apabila aset tetap tidak digunakan lagi atau When assets are retired or disposed, their fair
dijual, maka nilai wajar dan akumulasi value and the related accumulated depreciation
penyusutannya dihapuskan dari laporan are eliminated from the financial statements.
keuangan. Keuntungan atau kerugian yang The resulting gains or losses are recognised as
terjadi, diakui sebagai laba/rugi periode related period’s profit/loss.
terjadinya.
Biaya pemeliharaan dan perbaikan dicatat Maintenance and repair cost are charged as an
sebagai beban pada saat terjadinya. expense when incurred. Expenditure that
Pengeluaran yang memperpanjang masa extends the useful life of assets is capitalised
manfaat aset dikapitalisasi dan disusutkan. and depreciated.
Aset tetap dalam proses pembangunan Assets under construction consist of assets that
merupakan aset yang masih dalam proses are still in progress of renovation or installments
renovasi atau pemasangan dan belum siap and not yet ready for use and intended to be
digunakan, serta dimaksudkan untuk used in business activity. This accounts
dipergunakan dalam kegiatan usaha. Aset ini recorded based on amounts paid.
dicatat sebesar biaya yang telah dikeluarkan.
49
Page 524
The original financial statements included herein are in
Indonesian language.
PT BANK VICTORIA INTERNATIONAL Tbk PT BANK VICTORIA INTERNATIONAL Tbk
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
Tanggal 31 Desember 2024 dan untuk As of December 31, 2024 and
Tahun yang Berakhir pada Tanggal tersebut for the Year Ended
(Disajikan dalam ribuan Rupiah, (Expressed in thousands of Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
2. IKHTISAR INFORMASI KEBIJAKAN AKUNTANSI 2. SUMMARY OF MATERIAL ACCOUNTING
MATERIAL (lanjutan) POLICIES INFORMATION (continued)
r. Aset tak berwujud r. Intangible assets
Aset tak berwujud yang dimiliki oleh Bank berupa Intangible assets held by the Bank is software.
perangkat lunak.
Perangkat lunak, yang bukan merupakan bagian The software, that is not an integral part of the
integral dari perangkat keras yang terkait, dicatat related hardware, is recorded as an intangible
sebagai aset tak berwujud dan dinyatakan asset and is stated at carrying value, which is at
sebesar nilai tercatat, yaitu sebesar harga cost less accumulated amortisation.
perolehan dikurangi dengan akumulasi
amortisasi.
Biaya perolehan perangkat lunak terdiri dari Software acquisition costs consist of all
seluruh pengeluaran yang dapat dikaitkan expenditures attributed directly in the
langsung dalam persiapan perangkat lunak preparation of the software so ready to use in
tersebut sehingga siap digunakan sesuai dengan accordance with the intent of management.
maksud manajemen.
Pengeluaran setelah perolehan perangkat lunak Expenditures after acquisition software can be
dapat ditambahkan pada biaya perolehan added to the cost of software or capitalised as
perangkat lunak atau dikapitalisasi sebagai software only if the expenses add future
perangkat lunak hanya jika pengeluaran tersebut economic benefits of the software so as to be
menambah manfaat ekonomis masa depan dari larger than originally expected performance
perangkat lunak yang bersangkutan sehingga standards. Expenditure that does not add to
menjadi lebih besar dari standar kinerja yang future economic benefits of the software are
diperkirakan semula. Pengeluaran yang tidak recognised as an expense when incurred.
menambah manfaat ekonomis masa depan dari
perangkat lunak diakui sebagai beban pada saat
terjadinya.
Perangkat lunak dengan umur manfaat Software with certain useful life, are amortised
terbatas, diamortisasi dengan menggunakan using straight-line method over the estimated
metode garis lurus selama estimasi masa useful life of the assets, which is 4 (four)
manfaat ekonomis aset yaitu 4 (empat) tahun. years.
s. Agunan yang diambil alih s. Foreclosed assets
Agunan yang diambil alih (AYDA) adalah aset Foreclosed assets represent assets acquired
yang diperoleh Bank, baik melalui pelelangan by Bank, both from auction and non-auction
maupun diluar pelelangan berdasarkan based on voluntary transfer by the debtors or
penyerahan secara sukarela oleh pemilik based on debtor’s approval to sell the
agunan atau berdasarkan kuasa untuk menjual collateral where the debtors could not fulfill
diluar lelang dari pemilik agunan dalam hal their obligations to Bank. Foreclosed assets
debitur tidak memenuhi kewajibannya kepada represent collateral acquired in settlement of
Bank. AYDA merupakan jaminan yang diambil loans. The Bank has policy to sell foreclosed
alih sebagai bagian dari penyelesaian pinjaman assets to settle debtor’s liabilities.
yang diberikan. Bank memiliki kebijakan untuk
selalu berusaha menjual AYDA untuk
menyelesaikan sisa kewajiban debitur.
50
Page 525
The original financial statements included herein are in
Indonesian language.
PT BANK VICTORIA INTERNATIONAL Tbk PT BANK VICTORIA INTERNATIONAL Tbk
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
Tanggal 31 Desember 2024 dan untuk As of December 31, 2024 and
Tahun yang Berakhir pada Tanggal tersebut for the Year Ended
(Disajikan dalam ribuan Rupiah, (Expressed in thousands of Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
2. IKHTISAR INFORMASI KEBIJAKAN AKUNTANSI 2. SUMMARY OF MATERIAL ACCOUNTING
MATERIAL (lanjutan) POLICIES INFORMATION (continued)
s. Agunan yang diambil alih (lanjutan) s. Foreclosed assets (continued)
AYDA diakui sebesar jumlah yang lebih rendah Foreclosed assets are recognised at lower
antara nilai tercatat dengan nilai bersih yang amount between carrying value and their net
dapat direalisasi (net realisable value), yaitu nilai realisable value, which is the fair value of the
wajar agunan setelah dikurangi estimasi biaya foreclosed assets less estimated cost of
pelepasan. Bila terjadi penurunan nilai yang liquidating the foreclosed assets. If there is a
bersifat permanen, maka nilai tercatatnya permanent decline in value, the carrying amount
dikurangi untuk mengakui penurunan tersebut of foreclosed collaterals in written down to
dan kerugiannya dibebankan dalam laporan laba recognise such permanent decline in value. Any
rugi. such write-down is recognised statement of
profit or loss.
Biaya pemeliharaan atas AYDA yang terjadi Holding costs of foreclosed assets subsequent
setelah pengambilalihan atau akuisisi aset to the foreclosure or acquisition of the assets are
dibebankan sebagai laba/rugi pada saat charged as current year profit/loss as incurred.
terjadinya. Keuntungan atau kerugian dari Gains or losses from sale of foreclosed assets
penjualan agunan yang diambil alih diakui are charged as current year profit/loss as
sebagai laba/rugi tahun berjalan. incurred.
t. Biaya dibayar dimuka dan aset lain-lain t. Prepaid expenses and other assets
Biaya dibayar dimuka merupakan pembayaran Prepaid expenses are payments made to other
kepada pihak lain yang telah dilakukan namun parties but have not been recognised as
belum merupakan beban pada saat pembayaran expense at the time of payment. Prepaid
dilakukan. Biaya dibayar dimuka akan digunakan expenses will be used for Bank’s activities in the
untuk aktivitas Bank di masa mendatang. Biaya future. Prepaid expenses are recognised as
dibayar dimuka akan diakui sebagai beban pada expenses during the amortisation in accordance
saat diamortisasi sesuai dengan masa with the expected period of benefit.
manfaatnya.
Termasuk dalam biaya dibayar dimuka adalah Included in prepaid expenses are financing,
pembiayaan, pengembangan teknologi, promosi technology development, promotion and office
dan beban renovasi gedung. building renovation expense.
Termasuk di dalam aset lain-lain antara lain Included in other assets are amongst others
adalah uang muka jaminan, uang muka membership deposits, advance for fixed assets
pembelian aset, dan uang muka pengembangan purchase, advance for technology
teknologi. development.
u. Simpanan nasabah dan simpanan dari bank u. Deposits from customers and deposits from
lain other banks
Simpanan nasabah adalah dana yang Deposits from customers are the funds placed
dipercayakan oleh masyarakat (selain bank) by customers (excluding banks) with Bank
kepada Bank berdasarkan perjanjian based on fund deposit agreements. Included in
penyimpanan dana. Termasuk dalam pos ini this account are demand deposits, saving
adalah giro, tabungan, deposito berjangka, deposits, time deposits, certificates of deposits,
sertifikat deposito dan bentuk lain yang dapat and other forms which are similar.
dipersamakan dengan itu.
Simpanan dari bank lain terdiri dari liabilitas Deposits from other banks represent liabilities to
terhadap bank lain dalam bentuk giro, interbank banks in the form of demand deposits, inter-
call money, deposito berjangka, tabungan, dan bank call money, time deposits, saving
deposito on call. accounts, and deposits on call.
51
Page 526
The original financial statements included herein are in
Indonesian language.
PT BANK VICTORIA INTERNATIONAL Tbk PT BANK VICTORIA INTERNATIONAL Tbk
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
Tanggal 31 Desember 2024 dan untuk As of December 31, 2024 and
Tahun yang Berakhir pada Tanggal tersebut for the Year Ended
(Disajikan dalam ribuan Rupiah, (Expressed in thousands of Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
2. IKHTISAR INFORMASI KEBIJAKAN AKUNTANSI 2. SUMMARY OF MATERIAL ACCOUNTING
MATERIAL (lanjutan) POLICIES INFORMATION (continued)
u. Simpanan nasabah dan simpanan dari bank u. Deposits from customers and deposits from
lain (lanjutan) other banks (continued)
Simpanan dari nasabah dan dari bank lain Deposits from customers and other banks are
diklasifikasikan sebagai liabilitas keuangan yang classified as financial liabilities measured at
diukur dengan biaya perolehan diamortisasi. amortised cost. Refer to Note 2d for the
Lihat Catatan 2d untuk kebijakan akuntansi atas accounting policy for financial liabilities
liabilitas keuangan yang diukur dengan biaya measured at amortised cost.
perolehan diamortisasi.
v. Efek-efek yang diterbitkan v. Marketable Securities issued
Efek-efek yang diterbitkan adalah obligasi yang Marketable securities issued is the issuance of
diterbitkan dan diklasifikasikan sebagai liabilitas bond which is classified as financial liabilities
keuangan yang diukur dengan biaya perolehan measured at amortised cost. Refer to Note 2d
diamortisasi. Lihat Catatan 2d untuk kebijakan for the accounting policy for financial liabilities at
akuntansi atau liabilitas keuangan yang diukur amortised cost.
dengan biaya perolehan diamortisasi.
Biaya transaksi yang timbul sehubungan dengan Transaction cost in relation with the marketable
penerbitan efek-efek dikurangkan dari hasil securities issued is deducted from the related
penerbitan efek-efek bersangkutan. Selisih marketable securities issued. Any difference
antara hasil emisi bersih dengan nilai nominal between net proceed of bond issuance and
obligasi diakui sebagai diskonto yang nominal of bond is recognised as discount and
diamortisasi menggunakan metode suku bunga will be amortised using effective interest rate
efektif selama umur obligasi. during bond’s period.
w. Pinjaman yang diterima w. Borrowings
Pada pengukuran awal pinjaman diterima dan Borrowings and subordinated loans are initially
pinjaman subordinasi disajikan sebesar nilai presented at fair value less directly attributable
wajar dikurangi dengan biaya transaksi yang transaction costs to the acquisition or issuance
dapat diatribusikan langsung dengan of subordinated loans and bonds.
perolehan/penerbitan pinjaman dan obligasi
subordinasi.
Pinjaman yang diterima dan pinjaman Borrowings and subordinated loans are
subordinasi diklasifikasikan sebagai liabilitas classified as financial liabilities measured at
keuangan yang diukur dengan biaya perolehan amortised cost. Refer to Note 2d for the
diamortisasi. Lihat Catatan 2d untuk kebijakan accounting policy for financial liabilities
akuntansi atas liabilitas keuangan yang diukur measured at amortised cost.
dengan biaya perolehan diamortisasi.
x. Transaksi Sewa x. Leases Transaction
Pada tanggal permulaan kontrak, Bank menilai At the inception of a contract, the Bank
apakah kontrak merupakan atau mengandung assesses whether the contract is or contains a
sewa. Suatu kontrak merupakan atau leases. A contract is or contains a leases if the
mengandung sewa jika kontrak tersebut contract conveys the right to control the use of
memberikan hak untuk mengendalikan an identified assets for a period of time in
penggunaan aset identifikasian selama suatu exchange for consideration. The Bank can
jangka waktu untuk dipertukarkan dengan choose not to recognise the right-of-use asset
imbalan. Bank dapat memilih untuk tidak and lease liabilities for:
mengakui aset hak-guna dan liabilitas sewa
untuk:
- Sewa jangka pendek; dan - Short-term lease; and
- Sewa yang aset pendasarnya bernilai- - Low value asset.
rendah.
52
Page 527
The original financial statements included herein are in
Indonesian language.
PT BANK VICTORIA INTERNATIONAL Tbk PT BANK VICTORIA INTERNATIONAL Tbk
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
Tanggal 31 Desember 2024 dan untuk As of December 31, 2024 and
Tahun yang Berakhir pada Tanggal tersebut for the Year Ended
(Disajikan dalam ribuan Rupiah, (Expressed in thousands of Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
2. IKHTISAR INFORMASI KEBIJAKAN AKUNTANSI 2. SUMMARY OF MATERIAL ACCOUNTING
MATERIAL (lanjutan) POLICIES INFORMATION (continued)
x. Transaksi Sewa (lanjutan) x. Leases 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 Bank
identifikasian, Bank harus menilai apakah: shall assess whether:
- Bank memiliki hak untuk mendapatkan - The Bank has the right to obtain
secara substansial seluruh manfaat substantially all the economic benefit from
ekonomi dari penggunaan aset use of the asset throughout the period of
identifikasian; dan 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 a 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; dan asset; and
2. Bank telah mendesain aset dengan 2. The Bank has designed the asset in
cara menetapkan sebelumnya a way that predetermine how and for
bagaimana dan untuk tujuan apa aset what purpose it will be used.
akan digunakan selama periode
penggunaan.
Pada tanggal permulaan sewa, Bank mengakui The Bank recognises a right-of-use asset and
aset hak-guna dan liabilitas sewa. Aset hak-guna a leases liability at the leases commencement
diukur pada biaya perolehan, dimana meliputi date. The right-of-use asset is initially measured
jumlah pengukuran awal liabilitas sewa yang at cost, which comprises the initial amount of the
disesuaikan dengan pembayaran sewa yang leases liability adjusted for any leases payment
dilakukan pada atau sebelum tanggal made at or before the commencement date, plus
permulaan, ditambah dengan biaya langsung any initial direct cost incurred. The right-of-use
awal yang dikeluarkan. Aset hak-guna asset is amortised over the straight-line method
diamortisasi dengan menggunakan metode garis throughout the lease term.
lurus sepanjang jangka waktu sewa.
Liabilitas sewa diukur pada nilai kini pembayaran The lease liability is initially measured at the
sewa yang belum dibayar pada tanggal present value of the lease payments that are not
permulaan, didiskontokan dengan paid at the commencement date, discounted
menggunakan suku bunga implisit dalam sewa using the interest rate implicit in the lease or, if
atau jika suku bunga tersebut tidak dapat that right cannot be readily determined, using
ditentukan, maka menggunakan suku bunga incremental borrowing rate. Generally, the Bank
pinjaman inkremental. Pada umumnya, Bank uses its incremental borrowing rate as
menggunakan suku bunga pinjaman inkremental a discount rate.
sebagai tingkat bunga diskonto.
Pembayaran sewa dialokasikan menjadi bagian Each leases payment is allocated between the
pokok dan biaya keuangan. Biaya keuangan liability and finance cost. The finance cost is
dibebankan pada laba rugi selama periode sewa charged to profit or loss over the leases period
sehingga menghasilkan tingkat suku bunga so as to produce a constant periodic rate of
periodik yang konstan atas saldo liabilitas untuk interest on the remaining balance of the liability
setiap periode. for each period.
53
Page 528
The original financial statements included herein are in
Indonesian language.
PT BANK VICTORIA INTERNATIONAL Tbk PT BANK VICTORIA INTERNATIONAL Tbk
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
Tanggal 31 Desember 2024 dan untuk As of December 31, 2024 and
Tahun yang Berakhir pada Tanggal tersebut for the Year Ended
(Disajikan dalam ribuan Rupiah, (Expressed in thousands of Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
2. IKHTISAR INFORMASI KEBIJAKAN AKUNTANSI 2. SUMMARY OF MATERIAL ACCOUNTING
MATERIAL (lanjutan) POLICIES INFORMATION (continued)
x. Transaksi Sewa (lanjutan) x. Leases Transaction (continued)
Jika sewa mengalihkan kepemilikan aset If the leases transfers ownership of the
pendasar kepada Bank pada akhir masa sewa underlying asset to the Bank by the end of the
atau jika biaya perolehan aset hak-guna leases term or if the cost of the right-of-use asset
merefleksikan Bank akan mengeksekusi opsi reflects that the Bank will exercise
beli, maka Bank menyusutkan aset hak-guna a purchase option, the Bank depreciates the
dari tanggal permulaan hingga akhir umur right-of-use asset from the commencement date
manfaat aset pendasar. Jika tidak, maka Bank to the end of the useful life of the underlying
menyusutkan aset hak-guna dari tanggal asset. Otherwise, the Bank depreciates the right-
permulaan hingga tanggal yang lebih awal of-use asset from the commencement date to the
antara akhir umur manfaat aset hak-guna atau earlier of the end of the useful life of the right-of-
akhir masa sewa. use asset or the end of the leases term.
Bank menganalisa fakta dan keadaan untuk The Bank analyses the facts and circumstances
masing-masing jenis hak atas tanah dalam for each type of landrights in determining the
menentukan akuntansi untuk masing-masing accounting for each of these land rights so that it
hak atas tanah tersebut sehingga dapat can accurately represent an underlying
merepresentasikan dengan tepat suatu kejadian economic event or transaction. If the landrights
atau transaksi ekonomik yang mendasarinya. do not transfer control of the underlying assets to
Jika hak atas tanah tersebut tidak mengalihkan the Bank, but gives the rights to use the
pengendalian atas aset pendasar kepada underlying assets, the Bank applies the
Bank, melainkan mengalihkan hak untuk accounting treatment of these transactions as
menggunakan aset pendasar, Bank menerapkan leases under SFAS 116 (previously SFAS 73),
perlakuan akuntansi atas transaksi tersebut “Lease”, except if landrights substantially similar
sebagai sewa berdasarkan PSAK 116 (dahulu to land purchases, the Bank applies SFAS 216
PSAK 73), “Sewa”, kecuali jika hak atas tanah (previously SFAS 16), “Property, plant and
secara substansi menyerupai pembelian tanah, equipment”.
maka Bank menerapkan PSAK 216 (dahulu
PSAK 16), “Aset tetap”.
Modifikasi sewa Leases modification
Bank mencatat modifikasi sewa sebagai sewa The Bank account for a leases modification as a
terpisah jika: separate leases if both:
- modifikasi meningkatkan ruang lingkup sewa - the modification increases the scope of the
dengan menambahkan hak untuk leases by adding the right to use one or more
menggunakan satu aset pendasar atau lebih; underlying assets;
- imbalan sewa meningkat sebesar jumlah - the consideration for the leases increases by
yang setara dengan harga tersendiri untuk an amount commensurate with the stand-
peningkatan dalam ruang lingkup dan alone price for the increase in scope and any
penyesuaian yang tepat pada harga appropriate adjustments to that stand-alone
tersendiri tersebut untuk merefleksikan price to reflect the circumstances of the
kondisi kontrak tertentu. particular contract.
y. Pendapatan dan beban bunga y. Interest income and expense
Pendapatan dan beban bunga untuk semua Interest income and expense for all interest
instrumen keuangan dengan interest bearing bearing financial instruments are recorded
dicatat dalam pendapatan bunga dan beban within interest income and interest expense
bunga menggunakan metode suku bunga efektif. using the effective interest rate method.
54
Page 529
The original financial statements included herein are in
Indonesian language.
PT BANK VICTORIA INTERNATIONAL Tbk PT BANK VICTORIA INTERNATIONAL Tbk
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
Tanggal 31 Desember 2024 dan untuk As of December 31, 2024 and
Tahun yang Berakhir pada Tanggal tersebut for the Year Ended
(Disajikan dalam ribuan Rupiah, (Expressed in thousands of Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
2. IKHTISAR INFORMASI KEBIJAKAN AKUNTANSI 2. SUMMARY OF MATERIAL ACCOUNTING
MATERIAL (lanjutan) POLICIES INFORMATION (continued)
y. Pendapatan dan beban bunga (lanjutan) y. Interest income and expense (continued)
Metode suku bunga efektif adalah metode yang The effective interest rate method is a method
digunakan untuk menghitung biaya perolehan of calculating the amortised cost of a financial
diamortisasi dari aset keuangan atau liabilitas asset or a financial liability and method of
keuangan dan metode untuk mengalokasikan allocating the interest income or interest
pendapatan bunga atau beban bunga selama expense over the relevant period.
periode yang relevan.
Suku bunga efektif adalah suku bunga yang The effective interest rate is the rate that exactly
secara tepat mendiskontokan estimasi discounts estimated future cash payments or
pembayaran atau penerimaan kas di masa receipts through the expected life of the financial
datang selama perkiraan umur dari instrumen instrument or, when appropriate, a shorter
keuangan, atau bilamana tepat, digunakan period to the net carrying amount of the financial
periode yang lebih singkat untuk memperoleh asset or financial liability. When calculating the
nilai tercatat bersih dari aset keuangan atau effective interest rate, Bank estimates cash
liabilitas keuangan. Pada saat menghitung suku flows considering all contractual terms of the
bunga efektif, Bank mengestimasi arus kas financial instrument, but does not consider
dengan mempertimbangkan seluruh persyaratan future credit losses. The calculation includes all
kontraktual dalam instrumen keuangan tersebut, fees, commissions, and other fees paid or
namun tidak mempertimbangkan kerugian kredit received between parties to the contract that are
di masa datang. Perhitungan ini mencakup an integral part of the effective interest rate,
seluruh komisi, provisi, dan bentuk lain yang transaction costs, and all other premiums or
dibayarkan atau diterima oleh para pihak dalam discounts.
kontrak yang merupakan bagian tak terpisahkan
dari suku bunga efektif, biaya transaksi, dan
seluruh premi atau diskon lainnya.
Jika aset keuangan atau kelompok aset Once a financial asset or a bank of similar
keuangan serupa telah diturunkan nilainya financial assets has been written down as
sebagai akibat kerugian penurunan nilai, maka a result of an impairment loss, interest income
pendapatan bunga yang diperoleh setelahnya is recognised on the unimpaired portion using
diakui atas bagian aset keuangan yang tidak the rate of interest used to discount the future
mengalami penurunan nilai, berdasarkan suku cash flows for the purpose of measuring the
bunga yang digunakan untuk mendiskonto arus impairment loss.
kas masa datang dalam menghitung kerugian
penurunan nilai.
Pendapatan bunga atas pinjaman yang diberikan Interest income on loans or other earning assets
atau aset produktif lainnya yang diklasifikasikan classified as non-performing is recognised at
sebagai bermasalah diakui pada saat the time the interest is received. When a
pendapatan tersebut diterima. Pada saat aset financial asset is classified as non-performing,
keuangan diklasifikasikan sebagai bermasalah, any interest income previously recognised but
bunga yang telah diakui tetapi belum ditagih not yet collected is reversed against interest
akan dibatalkan pengakuannya. Selanjutnya income. The reversed interest income is
bunga yang dibatalkan tersebut diakui sebagai recognised as a contingent receivable.
tagihan kontinjensi.
55
Page 530
The original financial statements included herein are in
Indonesian language.
PT BANK VICTORIA INTERNATIONAL Tbk PT BANK VICTORIA INTERNATIONAL Tbk
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
Tanggal 31 Desember 2024 dan untuk As of December 31, 2024 and
Tahun yang Berakhir pada Tanggal tersebut for the Year Ended
(Disajikan dalam ribuan Rupiah, (Expressed in thousands of Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
2. IKHTISAR INFORMASI KEBIJAKAN AKUNTANSI 2. SUMMARY OF MATERIAL ACCOUNTING
MATERIAL (lanjutan) POLICIES INFORMATION (continued)
z. Pendapatan provisi dan komisi z. Fees and commissions income
Provisi dan komisi yang berkaitan langsung Fees and commissions income directly related
dengan kegiatan pemberian pinjaman diakui to lending activities, are recognised as
sebagai bagian/(pengurang) dari biaya a part/(deduction) of lending cost and will be
perolehan pinjaman dan akan diakui sebagai recognised as interest income by amortising the
pendapatan bunga dengan cara diamortisasi carrying value of loan with effective interest rate
berdasarkan metode suku bunga efektif. method.
Pendapatan provisi dan komisi yang tidak Fees and commissions income which are not
berkaitan dengan kegiatan pemberian pinjaman related to lending activities on a specific period
atas suatu jangka waktu diakui sebagai are recognised as income incurred at the
pendapatan pada saat terjadinya transaksi transaction date as other operating income.
sebagai pendapatan operasional lainnya.
aa. Pendapatan dan beban operasional lainnya aa. Other operating income and expenses
Beban tenaga kerja Personnel expenses
Beban tenaga kerja meliputi beban berupa gaji Personnel expenses include expenses related
karyawan, bonus, lembur dan tunjangan. with salaries for employees, bonuses, overtime
and allowances.
Beban umum dan administrasi General and administrative expenses
Beban umum dan administrasi merupakan General and administrative expenses represent
beban yang timbul sehubungan dengan aktivitas expenses related to office activities and Bank
kantor dan operasional Bank. operational activities.
Seluruh pendapatan dan beban yang terjadi All of these income and expenses are recorded
dibebankan sebagai laba/rugi pada saat as profit/loss when incurred.
terjadinya.
ab. Perpajakan ab. Taxation
Beban pajak terdiri dari pajak kini dan pajak The tax expense comprises of current and
tangguhan. Pajak diakui dalam laporan laba rugi, deferred tax. Tax is recognised in the profit or
kecuali jika pajak tersebut terkait dengan loss, except to the extent that it relates to items
transaksi atau kejadian yang langsung diakui di recognised directly in other comprehensive
pendapatan komprehensif lain atau langsung income or in equity. In this case, the tax is also
diakui ke ekuitas. Dalam hal ini, pajak tersebut recognised in other comprehensive income or in
masing-masing diakui dalam pendapatan equity, respectively.
komprehensif lain atau ekuitas.
Manajemen secara periodik mengevaluasi posisi Management periodically evaluates positions
yang dilaporkan di Surat Pemberitahuan takes in tax return with respect to situations in
Tahunan (“SPT”) sehubungan dengan situasi which applicable tax regulation is subject to
dimana aturan pajak yang berbeda interpretation. It establishes provision where
membutuhkan interpretasi. Jika perlu, appropriate, on the basis of amounts expected
manajemen menentukan provisi berdasarkan to be paid to the tax authorities.
jumlah yang diharapkan akan dibayar kepada
otoritas pajak.
56
Page 531
The original financial statements included herein are in
Indonesian language.
PT BANK VICTORIA INTERNATIONAL Tbk PT BANK VICTORIA INTERNATIONAL Tbk
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
Tanggal 31 Desember 2024 dan untuk As of December 31, 2024 and
Tahun yang Berakhir pada Tanggal tersebut for the Year Ended
(Disajikan dalam ribuan Rupiah, (Expressed in thousands of Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
2. IKHTISAR INFORMASI KEBIJAKAN AKUNTANSI 2. SUMMARY OF MATERIAL ACCOUNTING
MATERIAL (lanjutan) POLICIES INFORMATION (continued)
ab. Perpajakan (lanjutan) ab. Taxation (continued)
Pajak penghasilan tangguhan disajikan dengan Deferred income tax is provided using the
menggunakan metode liabilitas. Pajak liability method. Deferred income tax on
penghasilan tangguhan timbul akibat perbedaan temporary differences arising between the tax
temporer antara aset dan liabilitas menurut base of assets and liabilities and their carrying
ketentuan-ketentuan pajak dengan nilai tercatat amounts in the financial statements. Currently
aset dan liabilitas dalam laporan keuangan. Tarif enacted or substantially enacted tax rates are
pajak yang berlaku atau yang secara substansial used in the determination of deferred income
telah berlaku digunakan dalam menentukan tax.
besarnya jumlah pajak penghasilan tangguhan.
Aset pajak tangguhan diakui apabila terdapat Deferred tax assets are recognised to the extent
kemungkinan besar bahwa jumlah laba fiskal di that it is probable that future taxable profit will be
masa mendatang akan memadai untuk available against which the temporary
mengkompensasi perbedaan temporer yang differences can be utilised. Deferred Income tax
menimbulkan aset pajak tangguhan tersebut. assets and liabilities are offset when there is a
Aset dan liabilitas pajak penghasilan tangguhan legally enforceable right to offset current tax
dapat saling hapus apabila terdapat hak yang assets against current tax liabilities and when
berkekuatan hukum untuk melakukan saling deferred income taxes assets and liabilities
hapus antara aset pajak kini dengan liabilitas relate to income taxes levied by the same
pajak kini dan apabila aset dan pajak taxation authority where tax is an intention to
penghasilan tangguhan dikenakan oleh otoritas settle the balance on a net basis.
perpajakan yang sama dan adanya niat untuk
melakukan penyelesaian saldo secara bersih.
Taksiran pajak penghasilan Bank dihitung untuk The estimated corporate income tax of Bank is
masing-masing perusahaan sebagai badan calculated for each company as a separate legal
hukum terpisah. Aset pajak kini dan liabilitas entity. Current tax assets and current tax
pajak kini untuk badan hukum yang berbeda liabilities for different legal entities cannot be
tidak disalinghapuskan dalam laporan net-off in the financial statements.
keuangan.
ac. Imbalan kerja ac. Employee benefits
Imbalan kerja jangka pendek Short term employee benefits
Imbalan kerja jangka pendek diakui pada saat Short term employee benefits are recognised
terutang kepada karyawan. when they are accrued to the employees.
Liabilitas imbalan kerja karyawan Employee benefits obligation
Bank memiliki program pensiun sesuai dengan The Bank have pension scheme in accordance
peraturan dan perundang-undangan yang with prevailing labor-related laws and
berhubungan dengan ketenagakerjaan atau regulations of Bank’s policies. The scheme is
kebijakan yang ditetapkan oleh Bank. Program generally funded through payments to trustee-
ini pada umumnya didanai melalui pembayaran administered funds as determined by periodic
kepada pengelola dana pensiun yang besarnya actuarial calculations.
ditentukan dalam perhitungan aktuarial yang
dilakukan secara berkala.
57
Page 532
The original financial statements included herein are in
Indonesian language.
PT BANK VICTORIA INTERNATIONAL Tbk PT BANK VICTORIA INTERNATIONAL Tbk
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
Tanggal 31 Desember 2024 dan untuk As of December 31, 2024 and
Tahun yang Berakhir pada Tanggal tersebut for the Year Ended
(Disajikan dalam ribuan Rupiah, (Expressed in thousands of Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
2. IKHTISAR INFORMASI KEBIJAKAN AKUNTANSI 2. SUMMARY OF MATERIAL ACCOUNTING
MATERIAL (lanjutan) POLICIES INFORMATION (continued)
ac. Imbalan kerja (lanjutan) ac. Employee benefits (continued)
Liabilitas imbalan kerja karyawan (lanjutan) Employee benefits obligation (continued)
Bank harus menyediakan program pensiun The Bank are required to provide a minimum
dengan jumlah minimal tertentu sesuai dengan amount of pension benefits in accordance with
UU Cipta Kerja No. 11/2020 (2020: Undang- Job Creation Law Art No.11/2020 (2020: Labor
Undang (UU) Ketenagakerjaan No. 13/2003). Law No. 13/2003). Since the Labor Law sets the
Karena Undang-Undang Ketenagakerjaan formula for determining the minimum amount of
menentukan rumus tertentu untuk menghitung benefits, in substance pension plans under the
jumlah minimal imbalan pensiun, maka pada Labor Law represent defined benefit plans. A
dasarnya program pensiun berdasarkan defined benefit plan is a pension plan that
Undang-Undang Ketenagakerjaan adalah defines an amount of pension benefit to be
program manfaat pasti. Program pensiun provided, usually as a function of one or more
manfaat pasti adalah program pensiun yang factors such as age, years of service or total
menentukan jumlah imbalan pensiun yang akan compensation.
diberikan, biasanya didasarkan pada satu faktor
atau lebih seperti usia, masa kerja atau jumlah
kompensasi.
Liabilitas diakui pada laporan posisi keuangan The liability recognised in the statement of
sebesar nilai kini kewajiban imbalan pasti pada financial position is the present value of the
akhir periode pelaporan dikurangi nilai wajar aset defined benefit obligation at the end of the
program. Kewajiban imbalan pasti dihitung reporting period less the fair value of plan
setiap tahun oleh aktuaris yang independen assets. The defined benefit obligation is
dengan menggunakan metode projected unit calculated annually by independent actuaries
credit. Nilai kini kewajiban imbalan pasti using the projected unit credit method. The
ditentukan dengan mendiskontokan arus kas present value of the defined benefit obligation is
keluar yang diestimasi dengan menggunakan determined by discounting the estimated future
tingkat bunga Obligasi Pemerintah (dikarenakan cash outflows using interest rates of
saat ini tidak ada pasar aktif untuk obligasi Government Bonds (considering currently there
perusahaan yang berkualitas tinggi) yang is no active market for high-quality corporate
didenominasikan dalam Rupiah dimana imbalan bonds) that are denominated in Rupiah in which
akan dibayarkan dan memiliki jangka waktu jatuh the benefits will be paid, and that have terms to
tempo mendekati jangka waktu kewajiban maturity approximating to the terms of the
pensiun. related pension obligation.
Keuntungan dan kerugian aktuarial yang timbul Actuarial gains and losses arising from
dari penyesuaian dan perubahan dalam asumsi- experience adjustments and changes
asumsi aktuarial langsung diakui seluruhnya inactuarial assumptions charged or credited to
melalui pendapatan komprehensif lainnya pada equity in other comprehensive income in the
saat terjadinya. period in which they arise.
Biaya jasa lalu diakui segera dalam laporan laba Past-service costs are recognised immediately
rugi. Keuntungan dan kerugian dari kurtailmen in the statements of profit or loss. Gains or
atau penyelesaian program manfaat pasti diakui losses on the curtailment or settlement of
di laba rugi ketika kurtailmen atau penyelesaian a defined benefit plan are recognised in the
tersebut terjadi. statement of profit or loss when the curtailment
or settlement occurs.
Pesangon pemutusan kontrak terhutang ketika Termination benefits are payable whenever an
karyawan diberhentikan sebelum usia pensiun employee’s employment is terminated before
normal. the normal retirement age.
58
Page 533
The original financial statements included herein are in
Indonesian language.
PT BANK VICTORIA INTERNATIONAL Tbk PT BANK VICTORIA INTERNATIONAL Tbk
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
Tanggal 31 Desember 2024 dan untuk As of December 31, 2024 and
Tahun yang Berakhir pada Tanggal tersebut for the Year Ended
(Disajikan dalam ribuan Rupiah, (Expressed in thousands of Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
2. IKHTISAR INFORMASI KEBIJAKAN AKUNTANSI 2. SUMMARY OF MATERIAL ACCOUNTING
MATERIAL (lanjutan) POLICIES INFORMATION (continued)
ac. Imbalan kerja (lanjutan) ac. Employee benefits (continued)
Liabilitas imbalan kerja karyawan (lanjutan) Employee benefits obligation (continued)
Bank mengakui pesangon pemutusan kontrak The Bank recognise termination benefits when
kerja ketika Bank menunjukkan komitmennya it is demonstrably committed to terminate the
untuk memutuskan hubungan kerja dengan employment of current employees according to
karyawan berdasarkan suatu rencana formal a detailed formal plan which has small
terperinci yang kecil kemungkinannya untuk probability to withdraw. Benefits, due more than
dibatalkan. Pesangon yang akan dibayarkan 12 (twelve) months after statement of financial
dalam waktu lebih dari 12 (dua belas) bulan position’s date are discounted to present value.
setelah tanggal laporan posisi keuangan
didiskontokan untuk mencerminkan nilai kini.
ad. Laba per saham ad. Earnings per share
Laba per saham dasar dihitung dengan membagi Basic earnings per share is computed by
laba bersih dengan rata-rata tertimbang jumlah dividing net income with the weighted average
saham biasa yang beredar pada periode yang number of common shares outstanding during
bersangkutan. the period.
Laba per saham dilusian dihitung dengan Diluted earnings per share is calculated by
membagi laba bersih dengan rata-rata dividing net income by the weighted average
tertimbang jumlah saham yang beredar number of shares outstanding plus the weighted
ditambah dengan rata-rata tertimbang jumlah average number of shares outstanding which
saham yang akan diterbitkan atas konversi efek would be issued on the conversion of the dilutive
yang berpotensi saham yang bersifat dilutif. potential shares.
ae. Penjabaran mata uang asing ae. Foreign currency translation
Laporan keuangan disajikan dalam mata uang The financial statements are presented in
Rupiah, yang merupakan mata uang fungsional Rupiah, which is the functional and presentation
dan penyajian Bank. Transaksi dalam mata uang currency of the Bank. Transactions
asing dijabarkan ke mata uang Rupiah dengan denominated in a foreign currency are
menggunakan kurs yang berlaku pada tanggal converted into Rupiah at the exchange rate
transaksi tersebut. Pada setiap tanggal prevailing at the date of the transaction. As at
pelaporan, aset dan liabilitas moneter dalam each reporting date, monetary assets and
mata uang asing dijabarkan ke mata uang liabilities in foreign currencies are translated into
Rupiah dengan kurs penutupan Bank Indonesia Rupiah using the Bank Indonesia closing
pada pukul 16:00 Waktu Indonesia Barat yang exchange rate at 16:00 Western Indonesian
berlaku pada tanggal pelaporan. Time prevailing at reporting date.
Keuntungan dan kerugian selisih kurs yang Exchange gains and losses arising on
timbul dari transaksi dalam mata uang asing dan transactions in foreign currencies and on the
penjabaran aset dan kewajiban moneter dalam translation of foreign currency monetary assets
mata uang asing, diakui dalam laporan laba rugi. and liabilities are recognised in the statement of
profit or loss.
59
Page 534
The original financial statements included herein are in
Indonesian language.
PT BANK VICTORIA INTERNATIONAL Tbk PT BANK VICTORIA INTERNATIONAL Tbk
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
Tanggal 31 Desember 2024 dan untuk As of December 31, 2024 and
Tahun yang Berakhir pada Tanggal tersebut for the Year Ended
(Disajikan dalam ribuan Rupiah, (Expressed in thousands of Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
2. IKHTISAR INFORMASI KEBIJAKAN AKUNTANSI 2. SUMMARY OF MATERIAL ACCOUNTING
MATERIAL (lanjutan) POLICIES INFORMATION (continued)
ae. Penjabaran mata uang asing (lanjutan) ae. Foreign currency translation (continued)
Berikut ini adalah kurs mata uang asing utama Below are the major exchange rates used as of
yang digunakan pada tanggal 31 Desember December 31, 2024 and 2023 using the
2024 dan 2023 yang menggunakan kurs tengah Reuter’s middle rates at 16:00 Western
Reuters pukul 16:00 Waktu Indonesia Barat (nilai Indonesian Time (full amount):
penuh):
31 Desember/December 31,
2024 2023
Poundsterling Inggris 20.219 19.627 Great Britain Poundsterling
Franc Swiss 17.815 18.299 Swiss Franc
Euro Eropa 16.758 17.038 European Euro
Dolar Amerika Serikat 16.095 15.397 United States Dollar
Dolar Singapura 11.845 11.676 Singapore Dollar
Dolar Kanada 11.202 11.630 Canadian Dollar
Dolar Australia 10.014 10.521 Australian Dollar
Dolar New Zealand 9.068 9.766 New Zealand Dollar
Riyal Arab 4.284 4.106 Saudi Riyal
Ringgit Malaysia 3.598 3.355 Malaysian Ringgit
Yuan China 2.205 2.170 Chinese Yuan
Dolar Hongkong 2.073 1.971 Hongkong Dollar
Dolar Taiwan 491 504 New Taiwan Dollar
Baht Thailand 470 450 Thailand Baht
Yen Jepang 103 109 Japanese Yen
Won Korea 11 12 Korean Won
af. Transaksi dengan pihak berelasi af. Transactions with related parties
Bank melakukan transaksi dengan pihak The Bank has transactions with related parties.
berelasi. Sesuai dengan PSAK 224 (dahulu In accordance with SFAS 224 (previously
PSAK 7) tentang “Pengungkapan Pihak-pihak SFAS 7) regarding “Related Party Disclosure”,
yang Berelasi”, yang dimaksud dengan pihak the meaning of a related party is a person or
yang berelasi adalah orang atau entitas yang entity that is related to
berelasi dengan entitas pelapor sebagai berikut: a reporting entity as follow:
a. Orang atau anggota keluarga terdekatnya a. A person or a close member of that
berelasi dengan entitas pelapor jika orang person’s family is related to a reporting
tersebut: entity if:
i. memiliki pengendalian atau i. has control or joint control over the
pengendalian bersama terhadap reporting entity;
entitas pelapor;
ii. memiliki pengaruh signifikan terhadap ii. has significant influence over the
entitas pelapor; atau reporting entity; or
iii. personal manajemen kunci entitas iii. is member of the key management
pelapor atau entitas induk pelapor. personnel of the reporting entity or
a parent of the reporting entity.
60
Page 535
The original financial statements included herein are in
Indonesian language.
PT BANK VICTORIA INTERNATIONAL Tbk PT BANK VICTORIA INTERNATIONAL Tbk
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
Tanggal 31 Desember 2024 dan untuk As of December 31, 2024 and
Tahun yang Berakhir pada Tanggal tersebut for the Year Ended
(Disajikan dalam ribuan Rupiah, (Expressed in thousands of Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
2. IKHTISAR INFORMASI KEBIJAKAN AKUNTANSI 2. SUMMARY OF MATERIAL ACCOUNTING
MATERIAL (lanjutan) POLICIES INFORMATION (continued)
af. Transaksi dengan pihak berelasi (lanjutan) af. Transactions with related parties
(continued)
Bank melakukan transaksi dengan pihak The Bank has transactions with related parties.
berelasi. Sesuai dengan PSAK 224 (dahulu In accordance with SFAS 224 (previously
PSAK 7) tentang “Pengungkapan Pihak-pihak SFAS 7) regarding “Related Party Disclosure”,
yang Berelasi”, yang dimaksud dengan pihak the meaning of a related party is a person or
yang berelasi adalah orang atau entitas yang entity that is related to a reporting entity as
berelasi dengan entitas pelapor sebagai berikut: follow:
b. Suatu entitas berelasi dengan entitas b. An entity is related to a reporting entity if
pelapor jika memenuhi hal-hal sebagai any of the following conditions applies:
berikut:
i. entitas dan entitas pelapor adalah i. the entity and the reporting entity are
anggota dari kelompok usaha yang member of the same the company
sama (artinya entitas induk, entitas (which means that each parent,
anak, dan entitas anak berikutnya subsidiary, and fellow subsidiary is
terkait dengan entitas lain); related to the others);
ii. suatu entitas adalah entitas asosiasi ii. one entity is an associate or joint
atau ventura bersama bagi entitas lain venture of the other entity (or an
(atau entitas asosiasi atau ventura associate or joint venture of member of
bersama yang merupakan anggota a company of which the other entity is
suatu kelompok usaha, di mana entitas a member);
lain tersebut adalah anggotanya);
iii. kedua entitas tersebut adalah ventura iii. both entities are joint ventures of the
bersama dari pihak ketiga yang sama; same third party;
iv. suatu entitas adalah ventura bersama iv. one entity is a joint venture of a third
dari entitas ketiga dan entitas yang lain entity and the other entity is an
adalah entitas asosiasi dari entitas associate of the third entity;
ketiga;
v. entitas tersebut adalah suatu program v. the entity is a post-employment benefit
imbalan pasca kerja untuk imbalan plan for the benefit of employees of either
kerja dari suatu entitas pelapor atau the reporting entity or an entity related to
entitas yang terkait dengan entitas the reporting entity;
pelapor;
vi. entitas yang dikendalikan atau vi. the entity controlled or jointly controlled
dikendalikan bersama oleh orang yang by a person identified in (a); or
diidentifikasi dalam butir (a); atau
vii. orang yang diidentifikasi, dalam butir (a) vii. a person identified in (a) (i) has
(i) memiliki pengaruh signifikan significant influence over the entity or is
terhadap entitas atau anggota a member of the key management
manajemen kunci entitas (atau entitas personnel of the entity (or of a parent of
induk dari entitas). the entity).
61
Page 536
The original financial statements included herein are in
Indonesian language.
PT BANK VICTORIA INTERNATIONAL Tbk PT BANK VICTORIA INTERNATIONAL Tbk
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
Tanggal 31 Desember 2024 dan untuk As of December 31, 2024 and
Tahun yang Berakhir pada Tanggal tersebut for the Year Ended
(Disajikan dalam ribuan Rupiah, (Expressed in thousands of Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
2. IKHTISAR INFORMASI KEBIJAKAN AKUNTANSI 2. SUMMARY OF MATERIAL ACCOUNTING
MATERIAL (lanjutan) POLICIES INFORMATION (continued)
ag. Pelaporan segmen ag. Segment reporting
Sebuah segmen operasi adalah suatu An operating segment is a component of entity
komponen dari entitas: which:
a. yang terlibat dalam aktivitas bisnis yang a. involves with business activities to
memperoleh pendapatan dan menimbulkan generate income and expenses (include
beban (termasuk pendapatan dan beban income and expenses relating to the
yang terkait dengan transaksi dengan transactions with other components with
komponen lain dari entitas yang sama); the same entity);
b. hasil operasinya dikaji ulang secara reguler b. operations result is observed regularly by
oleh kepala operasional untuk membuat chief decision maker to make decisions
keputusan tentang sumber daya yang regarding the allocation of resources and to
dialokasikan pada segmen tersebut dan evaluate the works; and
menilai kinerjanya; dan
c. tersedia informasi keuangan yang dapat c. separated financial information is available.
dipisahkan.
Bank menyajikan segmen operasi berdasarkan Bank presents operating segments based on
informasi yang disiapkan secara internal untuk the information that internally is provided to the
pengambil keputusan operasional. Berdasarkan chief operating decision maker. Under SFAS
PSAK 108 (dahulu PSAK 5), sebuah segmen 108 (previously SFAS 5), a business segment is
usaha adalah sekelompok aset dan operasi yang a bank of assets and operations engaged in
menyediakan barang atau jasa yang memiliki providing products or services that are subject
risiko serta tingkat pengembalian yang berbeda to risks and returns that are difference from
dengan segmen usaha lainnya. those of other business segments.
Segmen geografis adalah komponen Bank yang A geographical segment is a distinguishable
dapat dibedakan dalam menghasilkan jasa pada component of the Bank that is engaged in
lingkungan (wilayah) ekonomi tertentu dan providing services within a particular economic
komponen itu memiliki risiko dan imbalan yang environment and that is subject to risks and
berbeda dengan risiko dan imbalan pada returns that are different from those operating in
komponen yang beroperasi pada lingkungan other economic environments. The Bank report
(wilayah) ekonomi lain. Bank melaporkan geographical segment information based on
segmen geografis berdasarkan daerah Jadetabek, West Java, Central and East Java
Jadetabek, Jawa Barat, Jawa Tengah dan Jawa and Non Java.
Timur dan Luar Jawa.
3. PENGGUNAAN ESTIMASI DAN PERTIMBANGAN 3. USE OF SIGNIFICANT ACCOUNTING ESTIMATES
AKUNTANSI YANG PENTING AND JUDGEMENTS
Beberapa estimasi dan asumsi dibuat dalam rangka Certain estimates and assumption are made in the
penyusunan laporan keuangan dimana dibutuhkan presentation of the financial statements. These often
pertimbangan manajemen dalam menentukan require management judgement in determining the
metodologi yang tepat untuk penilaian aset dan appropriate methodology for valuation of assets and
liabilitas. liabilities.
Manajemen membuat estimasi dan asumsi yang Management makes estimates and assumptions that
berimplikasi pada pelaporan nilai aset dan liabilitas affect the reported amounts of assets and liabilities
atas tahun keuangan satu tahun kedepan. Semua within the next financial year. All estimates and
estimasi dan asumsi yang diharuskan oleh PSAK assumptions required in conformity with SFAS are
adalah estimasi terbaik yang didasarkan standar best estimates undertaken in accordance with the
yang berlaku. Estimasi dan pertimbangan dievaluasi applicable standard. Estimates and judgements are
secara terus menerus dan berdasarkan pengalaman evaluated on a continuous basis, and are based on
masa lalu dan faktor-faktor lain termasuk harapan past experience and other factors, including
atas kejadian yang akan datang. expectations with regard to future events.
62
Page 537
The original financial statements included herein are in
Indonesian language.
PT BANK VICTORIA INTERNATIONAL Tbk PT BANK VICTORIA INTERNATIONAL Tbk
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
Tanggal 31 Desember 2024 dan untuk As of December 31, 2024 and
Tahun yang Berakhir pada Tanggal tersebut for the Year Ended
(Disajikan dalam ribuan Rupiah, (Expressed in thousands of Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
3. PENGGUNAAN ESTIMASI DAN PERTIMBANGAN 3. USE OF SIGNIFICANT ACCOUNTING
AKUNTANSI YANG PENTING (lanjutan) ESTIMATES AND JUDGEMENTS (continued)
Walaupun estimasi dan asumsi ini dibuat Although these estimates and assumption are based
berdasarkan pengetahuan terbaik manajemen atas on management’s best knowledge of current events
kejadian dan tindakan saat ini, hasil yang timbul and activities, actual result may differ from those
mungkin berbeda dengan estimasi dan asumsi estimates and assumption.
semula.
Cadangan kerugian penurunan nilai aset Allowance for impairment losses of financial
keuangan assets
Sesuai dengan PSAK 109 (dahulu PSAK 71), According to SFAS 109 (previously SFAS 71), the
pengukuran cadangan kerugian penurunan nilai aset measurement of the expected credit loss allowance
keuangan yang diukur pada biaya perolehan for financial assets measured at amortised cost and
diamortisasi dan diukur pada nilai wajar melalui at fair value through other comprehensive income is
penghasilan komprehensif lain membutuhkan an area that requires the use of complex models and
penggunaan model yang kompleks dan asumsi significant assumptions about future economic
signifikan terkait future economic conditions dan credit conditions and credit behavior.
behavior.
Estimasi signifikan dibutuhkan dalam menerapkan Significant estimates are required in applying the
perhitungan cadangan kerugian penurunan nilai SFAS 109 (previously SFAS 71) requirements for
berdasarkan PSAK 109 (dahulu PSAK 71), antara measuring allowance for impairment losses, such as:
lain:
· Penentuan kriteria significant increase in Credit · Determining criteria for significant increase in
Risk: Credit Risk;
· Menentukan model yang tepat dan asumsi untuk · Choosing appropriate models and assumptions
perhitungan cadangan kerugian penurunan nilai; for the measurement of allowance for
impairment losses;
· Menentukan jumlah dan pembebanan relatif atas · Establishing the number and relative weightings
skenario forward-looking untuk masing-masing of forward-looking scenarios for each type of
segmen/produk; segment/product;
· Menentukan segmentasi aset keuangan yang · Establishing groups of similar financial assets for
sejenis untuk perhitungan cadangan kerugian the purposes of measuring allowance for
penurunan nilai; impairment losses;
· Estimasi arus kas debitur dalam perhitungan · Estimate debtor’s cash flow in the calculation of
individual impairment. individual impairment.
Lihat Catatan 2g untuk kebijakan akuntansi atas Refer to Note 2g for accounting policy on impairment
penurunan nilai aset keuangan. of financial assets.
Agunan yang diambil alih Foreclosed assets
Agunan yang diambil alih diukur sebesar nilai yang Foreclosed assets are stated at lower amount of
lebih rendah antara nilai tercatat dan nilai bersih yang carrying amount and net realisable value.Net
dapat direalisasi. Nilai bersih yang dapat direalisasi realisable value is the fair value of the foreclosed
adalah nilai wajar agunan yang diambil alih dikurangi assets less the estimated costs to sell the assets.
dengan estimasi biaya untuk menjual agunan The excess of loan receivable over the net realisable
tersebut. Selisih lebih saldo kredit di atas nilai bersih value of the foreclosed assets is charged to
yang dapat direalisasi dari agunan yang diambil alih allowance for impairment losses on non financial
dibebankan ke dalam akun cadangan kerugian assets.
penurunan nilai aset non keuangan.
63
Page 538
The original financial statements included herein are in
Indonesian language.
PT BANK VICTORIA INTERNATIONAL Tbk PT BANK VICTORIA INTERNATIONAL Tbk
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
Tanggal 31 Desember 2024 dan untuk As of December 31, 2024 and
Tahun yang Berakhir pada Tanggal tersebut for the Year Ended
(Disajikan dalam ribuan Rupiah, (Expressed in thousands of Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
3. PENGGUNAAN ESTIMASI DAN PERTIMBANGAN 3. USE OF SIGNIFICANT ACCOUNTING
AKUNTANSI YANG PENTING (lanjutan) ESTIMATES AND JUDGEMENTS (continued)
Agunan yang diambil alih (lanjutan) Foreclosed assets (continued)
Kondisi agunan yang diambil alih dievaluasi secara The specific condition of foreclosed assets is
individu berdasarkan estimasi terbaik manajemen individually evaluated based on management’s best
atas nilai kini arus kas yang diharapkan akan diterima. estimate of the present value of the expected cash
Dalam mengestimasi nilai bersih yang dapat flows to be received. In estimating these cash flows,
direalisasi tersebut, manajemen membuat management makes judgements about the net
pertimbangan berdasarkan nilai realisasi bersih dari realisable value of each foreclosed asset based the
setiap agunan berdasarkan hasil penilaian dari penilai result of independent appraisal and estimated time
independen dan estimasi waktu dan arus kas yang and cash received from selling the foreclosed assets.
diterima dari penjualan aset tersebut. Setiap aset Each impaired assets will be measured based on its
yang mengalami penurunan nilai dinilai sesuai merits, and the workout strategy and estimated cash
dengan kondisi, dan strategi penyelesaian serta flows considered recoverable.
estimasi arus kas yang diperkirakan dapat diterima.
Imbalan kerja karyawan Employee benefit
Nilai kini atas imbalan kerja karyawan tergantung dari The present value of the employee benefit
banyaknya faktor yang dipertimbangkan oleh aktuaris obligations depends on a number of factors that are
berdasarkan beberapa asumsi. Perubahan atas determined on an actuarial basis using a number of
asumsi-asumsi tersebut akan mempengaruhi nilai assumptions. Any changes in these assumptions will
tercatat atas imbalan kerja karyawan. impact the carrying amount of employee benefit
obligations.
Asumsi yang digunakan dalam menentukan biaya The assumptions used in determining the net cost
atau pendapatan untuk imbalan kerja termasuk (income) for employee benefits include the discount
tingkat diskonto. Bank menentukan tingkat diskonto rate. The Bank determines the appropriate discount
yang tepat pada setiap akhir tahun. Ini merupakan rate at the end of each year. This is the interest rate
tingkat suku bunga yang digunakan untuk that should be used to determine the present value
menentukan nilai kini atas arus kas masa depan yang of estimated future cash outflows expected to be
diestimasi akan digunakan untuk membayar imbalan required to settle the pension obligations. In
kerja. Dalam menentukan tingkat diskonto yang tepat, determining the appropriate discount rate, the Bank
Bank mempertimbangkan tingkat suku bunga atas considers the interest rates of Government Bonds
Obligasi Pemerintah yang mempunyai jatuh tempo that have terms to maturity approximating the terms
yang menyerupai jangka waktu imbalan kerja of the related employee benefit liability.
karyawan.
Asumsi kunci liabilitas pensiun lainnya sebagian Other key assumptions for pension obligations are
ditentukan berdasarkan kondisi pasar saat ini (lihat partly based on current market conditions (refer to
Catatan 24). Note 24).
Penentuan nilai wajar Determining fair values
Dalam menentukan nilai wajar atas aset keuangan The determining of fair value for financial assets and
dan liabilitas keuangan dimana tidak terdapat harga financial liabilities for which there is no observable
pasar yang dapat diobservasi, Bank harus market price requires the Bank must use of valuation
menggunakan teknik penilaian seperti dijelaskan techniques as described in Note 2d.
pada Catatan 2d.
Informasi mengenai penentuan nilai wajar dari Information about the determination of fair value of
instrumen keuangan diungkapkan pada Catatan 45. financial instruments is disclosed in Note 45.
Dalam mengukur nilai wajar atas aset dan liabilitas When measuring the fair value for non-financial
non-keuangan, Bank menggunakan data pasar yang assets and liabilities, the Bank uses observable
dapat diobservasi jika memungkinkan. market data to extent possible.
64
Page 539
The original financial statements included herein are in
Indonesian language.
PT BANK VICTORIA INTERNATIONAL Tbk PT BANK VICTORIA INTERNATIONAL Tbk
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
Tanggal 31 Desember 2024 dan untuk As of December 31, 2024 and
Tahun yang Berakhir pada Tanggal tersebut for the Year Ended
(Disajikan dalam ribuan Rupiah, (Expressed in thousands of Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
3. PENGGUNAAN ESTIMASI DAN PERTIMBANGAN 3. USE OF SIGNIFICANT ACCOUNTING
AKUNTANSI YANG PENTING (lanjutan) ESTIMATES AND JUDGEMENTS (continued)
Perpajakan Taxation
Pertimbangan signifikan dilakukan dalam Significant consideration is made in determining the
menentukan provisi atas pajak penghasilan badan provision of corporate income tax and other taxes.
dan pajak lainnya. Terdapat transaksi dan There are certain transactions and calculations that
perhitungan tertentu yang penentuan pajak akhirnya the final tax determination is uncertain in the normal
adalah tidak pasti dalam kegiatan usaha normal. Bank course of business. The Bank recognised liability for
mengakui liabilitas pajak penghasilan badan dan corporate income tax and other taxes based on an
pajak lainnya berdasarkan estimasi apakah akan estimate whether there would be an additional
terdapat tambahan pajak penghasilan badan dan corporate income tax and other taxes.
pajak lainnya.
Aset Pajak Tangguhan Deferred tax assets
Aset pajak tangguhan diakui atas seluruh perbedaan Deferred tax assets are recognised for all deductible
temporer yang dapat dikurangkan, sepanjang besar temporary differences, as long as it is likely that
kemungkinannya bahwa penghasilan kena pajak taxable income will be available so that the
akan tersedia sehingga perbedaan temporer tersebut temporary differences can be utilised. Significant
dapat digunakan. Estimasi signifikan oleh manajemen estimates by management are required in
disyaratkan dalam menentukan jumlah aset pajak determining the amount of deferred tax assets that
tangguhan yang dapat diakui, berdasarkan saat can be recognised, based on utilisation and the level
penggunaan dan tingkat penghasilan kena pajak of taxable income and future tax planning strategies.
serta strategi perencanaan pajak masa depan.
Menentukan jangka waktu kontrak dengan opsi Determine the contract term with options for
perpanjangan dan penghentian kontrak - Bank extension and termination of the contract - the
sebagai lessee Bank as lessee
Bank menentukan jangka waktu sewa sebagai jangka The Bank determines the lease term as the term of
waktu sewa yang tidak dapat dibatalkan, bersama the lease that cannot be cancelled, together with the
dengan periode yang dicakup oleh opsi untuk period covered by the option to extend the lease if it
memperpanjang masa sewa jika dipastikan akan is determined to be exercised, or any period covered
dilaksanakan, atau periode apa pun yang dicakup by the option to terminate the lease, if it is reasonably
oleh opsi untuk menghentikan sewa, jika cukup wajar reasonable not to do so.
untuk tidak dilakukan.
Bank memiliki beberapa kontrak sewa yang The Bank has several lease contracts that include
mencakup opsi perpanjangan dan penghentian options for extension and termination of the lease
jangka waktu sewa. Bank menerapkan penilaian terms. The Bank applies its judgment in evaluating
dalam mengevaluasi apakah dapat dipastikan jika whether it is certain to exercise the option to extend
akan menggunakan opsi untuk memperpanjang atau or terminate the lease. This is done by considering
menghentikan sewa. Hal tersebut dilakukan dengan all relevant facts and circumstances that provide
mempertimbangkan seluruh fakta dan keadaan yang economic incentives to extend or terminate the
relevan yang memberikan insentif ekonomi untuk lease. After the commencement date, the Bank
melakukan perpanjangan atau penghentian sewa. reassesses the lease term, if there is a significant
Setelah tanggal dimulainya, Bank menilai kembali event or change in circumstances which is under its
masa sewa, jika terdapat peristiwa atau perubahan control and affects whether the lessee is certain
signifikan dalam keadaan yang berada dalam kendali enough to exercise the option to extend or terminate
dan mempengaruhi apakah lessee cukup pasti untuk the lease.
mengeksekusi opsi memperpanjang atau
menghentikan sewa.
65
Page 540
The original financial statements included herein are in
Indonesian language.
PT BANK VICTORIA INTERNATIONAL Tbk PT BANK VICTORIA INTERNATIONAL Tbk
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
Tanggal 31 Desember 2024 dan untuk As of December 31, 2024 and
Tahun yang Berakhir pada Tanggal tersebut for the Year Ended
(Disajikan dalam ribuan Rupiah, (Expressed in thousands of Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
4. KAS 4. CASH
31 Desember/December 31,
2024 2023
Kas dalam khasanah Cash in vault
Rupiah 41.558.149 87.502.996 Rupiah
Mata uang asing Foreign currency
Dolar Amerika Serikat 28.827.126 4.394.381 United States Dollar
Euro Eropa 580.753 25.302 European Euro
Dolar Singapura 215.678 554.825 Singapore Dollar
Franc Swiss 89.610 7.869 Swiss Franc
Dolar Kanada 59.929 581 Canadian Dollar
Dolar Selandia Baru 57.944 22.851 New Zealand Dollar
Dolar Australia 54.073 171.699 Australian Dollar
Poundsterling Inggris 37.303 26.300 Great Britain Poundsterling
Yen Jepang 17.515 4.682 Japanese Yen
Baht Thailand 3.758 571 Thailand Baht
Yuan Cina 3.418 2.341 Chinese Yuan
Dolar Taiwan 2.602 7.704 New Taiwan Dollar
Won Korea 1.638 1.497 Korean Won
Ringgit Malaysia 1.079 436 Malaysian Ringgit
Dolar Hongkong 187 5.892 Hongkong Dollar
Real Saudi - 1.437 Saudi Riyal
Kas 89.500 89.500 Cash on hand
Jumlah 71.600.262 92.820.864 Total
Kas dalam khasanah diasuransikan terhadap seluruh Cash in vault, are insured against losses by all risks
risiko kepada PT Victoria Insurance (pihak berelasi) to PT Victoria Insurance (related party) with total
dengan nilai pertanggungan seluruhnya pada insurance coverage as of December 31, 2024 and
tanggal 31 Desember 2024 dan 2023 masing-masing 2023 amounting to Rp129,906,941 and
sebesar Rp129.906.941 dan Rp125.921.618. Rp125,921,618, respectively. The Bank’s
Manajemen Bank berpendapat bahwa nilai management believe that the insurance coverage is
pertanggungan tersebut telah memadai untuk adequate to cover possible losses on insured cash
menutup kemungkinan kerugian atas kas dalam in vault.
khasanah yang dipertanggungkan.
5. GIRO PADA BANK INDONESIA 5. CURRENT ACCOUNTS WITH BANK INDONESIA
31 Desember/December 31,
2024 2023
Rupiah 1.367.881.186 1.469.773.490 Rupiah
Dolar Amerika Serikat 33.171.795 23.303.360 United States Dollar
Jumlah 1.401.052.981 1.493.076.850 Total
66
Page 541
The original financial statements included herein are in
Indonesian language.
PT BANK VICTORIA INTERNATIONAL Tbk PT BANK VICTORIA INTERNATIONAL Tbk
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
Tanggal 31 Desember 2024 dan untuk As of December 31, 2024 and
Tahun yang Berakhir pada Tanggal tersebut for the Year Ended
(Disajikan dalam ribuan Rupiah, (Expressed in thousands of Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
6. GIRO PADA BANK LAIN 6. CURRENT ACCOUNTS WITH OTHER BANKS
a. Berdasarkan bank a. By bank
31 Desember/December 31,
2024 2023
Rupiah Rupiah
PT Bank Negara Indonesia PT Bank Negara Indonesia
(Persero) Tbk 20.505.873 20.963.477 (Persero) Tbk
PT Bank Mandiri (Persero) Tbk 10.100.000 10.101.400 PT Bank Mandiri (Persero) Tbk
PT Bank Central Asia Tbk 1.003.165 57.345.205 PT Bank Central Asia Tbk
PT Bank CIMB Niaga Tbk 682.048 3.769 PT Bank CIMB Niaga Tbk
PT Bank Permata Tbk 128.829 174.099 PT Bank Permata Tbk
PT Bank Pan Indonesia Tbk 6.820 8.318 PT Bank Pan Indonesia Tbk
PT Bank HSBC Indonesia - 57.491 PT Bank HSBC Indonesia
PT Bank Maybank Indonesia Tbk - 31.338 PT Bank Maybank Indonesia Tbk
Sub jumlah 32.426.735 88.685.097 Sub total
Mata Uang Asing Foreign Currency
PT Bank Negara Indonesia PT Bank Negara Indonesia
(Persero) Tbk 40.011.855 164.890.420 (Persero) Tbk
PT Bank Central Asia Tbk 22.452.434 4.651.092 PT Bank Central Asia Tbk
PT Bank Mandiri (Persero) Tbk 18.187.642 36.106.642 PT Bank Mandiri (Persero) Tbk
PT Bank ICBC Indonesia 784.237 577.714 PT Bank ICBC Indonesia
PT Bank CIMB Niaga Tbk 410.691 1.059.270 PT Bank CIMB Niaga Tbk
OCBC Bank, Singapura 244.686 328.684 OCBC Bank, Singapore
Sub jumlah 82.091.545 207.613.822 Sub total
Jumlah 114.518.280 296.298.919 Total
Dikurangi: Cadangan Kerugian Less: Allowance for
Penurunan Nilai (44.983) (1.726) impairment losses
Jumlah - bersih 114.473.297 296.297.193 Total - net
Seluruh giro pada bank lain pada tanggal All current accounts with other banks as of
31 Desember 2024 dan 2023 ditempatkan pada December 31, 2024 and 2023 were placed with
pihak ketiga dan tidak terdapat giro pada bank third parties and are not pledged as collateral.
lain yang dijaminkan.
b. Berdasarkan mata uang b. By currency
31 Desember/December 31,
2024 2023
Rupiah 32.426.735 88.685.097 Rupiah
Dolar Amerika Serikat 76.934.918 202.908.447 United States Dollar
Yen Jepang 3.649.952 2.673.710 Japanese Yen
China Yuan 851.297 643.711 Chinese Yuan
Euro Eropa 410.691 1.059.270 European Euro
Dolar Singapura 244.687 328.684 Singapore Dollar
Jumlah 114.518.280 296.298.919 Total
Dikurangi: Cadangan Kerugian Less: Allowance for
Penurunan Nilai (44.983) (1.726) impairment losses
Jumlah - bersih 114.473.297 296.297.193 Total - net
67
Page 542
The original financial statements included herein are in
Indonesian language.
PT BANK VICTORIA INTERNATIONAL Tbk PT BANK VICTORIA INTERNATIONAL Tbk
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
Tanggal 31 Desember 2024 dan untuk As of December 31, 2024 and
Tahun yang Berakhir pada Tanggal tersebut for the Year Ended
(Disajikan dalam ribuan Rupiah, (Expressed in thousands of Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
6. GIRO PADA BANK LAIN (lanjutan) 6. CURRENT ACCOUNTS WITH OTHER BANKS
(continued)
c. Cadangan kerugian penurunan nilai c. Allowance for impairment losses
Pada tanggal 31 Desember 2024 dan 2023, As of December 31, 2024 and 2023, all current
seluruh giro pada bank lain berada di stage 1. accounts with other banks are classified in stage
Bank telah membentuk cadangan kerugian 1. Bank has set aside allowance for impairment
penurunan nilai masing-masing sebesar losses amounted to Rp44,983 and Rp1,726,
Rp44.983 dan Rp1.726. respectively.
Manajemen berpendapat bahwa jumlah Management believes that the above allowance
cadangan kerugian penurunan nilai di atas telah for impairment losses is adequate.
memadai.
7. PENEMPATAN PADA BANK INDONESIA DAN 7. PLACEMENTS WITH BANK INDONESIA AND
BANK LAIN OTHER BANKS
a. Berdasarkan jenis, pihak dan bank a. By type, counterparties and bank
31 Desember/December 31,
2024 2023
Pihak ketiga Third party
Fasilitas Simpanan Fasilitas Simpanan
Bank Indonesia (FASBI) - 359.947.530 Bank Indonesia (FASBI)
Deposito Berjangka Time Deposit
PT Bank DKI 11.000.000 - PT Bank DKI
PT Bank KB Bukopin Syariah 1.200.000 - PT Bank KB Bukopin Syariah
PT Bank Mega Tbk - 2.600.000 PT Bank Mega Tbk
PT Bank Victoria Syariah - 1.800.000 PT Bank Victoria Syariah
PT Bank Nationalnobu Tbk - 1.320.000 PT Bank Nationalnobu Tbk
PT Bank BJB Tbk - 700.000 PT Bank BJB Tbk
12.200.000 366.367.530
Interbank Call Money Interbank Call Money
PT Bank Capital Indonesia Tbk - 250.000.000 PT Bank Capital Indonesia Tbk
PT Bank Victoria Syariah - 150.000.000 PT Bank Victoria Syariah
PT Bank Pembangunan Daerah PT Bank Pembangunan Daerah
Papua - 100.000.000 Papua
PT Bank Nationalnobu Tbk - 50.000.000 PT Bank Nationalnobu Tbk
- 550.000.000
Jumlah 12.200.000 916.367.530 Total
Dikurangi: Cadangan Kerugian Less: Allowance for
Penurunan Nilai (2.745) (998.782) impairment losses
Jumlah - bersih 12.197.255 915.368.748 Total - net
68
Page 543
The original financial statements included herein are in
Indonesian language.
PT BANK VICTORIA INTERNATIONAL Tbk PT BANK VICTORIA INTERNATIONAL Tbk
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
Tanggal 31 Desember 2024 dan untuk As of December 31, 2024 and
Tahun yang Berakhir pada Tanggal tersebut for the Year Ended
(Disajikan dalam ribuan Rupiah, (Expressed in thousands of Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
7. PENEMPATAN PADA BANK INDONESIA DAN 7. PLACEMENTS WITH BANK INDONESIA AND
BANK LAIN (lanjutan) OTHER BANKS (continued)
a. Berdasarkan jenis, pihak dan bank (lanjutan) a. By type, counterparties and bank (continued)
Pada tanggal 31 Desember 2024 dan 2023, tidak As of December 31, 2024 and 2023, there are no
terdapat penempatan pada Bank Indonesia dan placements with Bank Indonesia and other
bank lain yang dijaminkan. banks pledged as collateral.
b. Berdasarkan tenor jatuh tempo b. By period maturity
31 Desember/December 31,
2024 2023
Kurang dari 1 bulan - 916.367.530 Less than 1 month
1 sampai 3 bulan 12.200.000 - 1 up to 3 months
3 sampai 6 bulan - - 3 up to 6 months
Lebih dari 6 bulan - - More than 6 months
Jumlah 12.200.000 916.367.530 Total
Dikurangi: Cadangan Kerugian Less: Allowance for
Penurunan Nilai (2.745) (998.782) impairment losses
Jumlah - bersih 12.197.255 915.368.748 Total - net
c. Berdasarkan mata uang c. By currency
31 Desember/December 31,
2024 2023
Rupiah 12.200.000 916.367.530 Rupiah
Jumlah 12.200.000 916.367.530 Total
Dikurangi: Cadangan Kerugian Less: Allowance for
Penurunan Nilai (2.745) (998.782) impairment losses
Jumlah - bersih 12.197.255 915.368.748 Total - net
d. Cadangan kerugian penurunan nilai d. Allowance for impairment losses
Pada tanggal 31 Desember 2024 dan 2023 As of December 31, 2024 and 2023, all
seluruh penempatan pada Bank Indonesia dan placements in Bank Indonesia and other banks
bank lain berada di stage 1. Bank telah are classified in stage 1. Bank has set aside
membentuk cadangan kerugian penurunan nilai allowance for impairment losses amounted to
masing-masing sebesar Rp2.745 dan Rp2,745 and Rp998,782, respectively.
Rp998.782.
Manajemen berpendapat bahwa jumlah Management believes that the above allowance
cadangan kerugian penurunan nilai di atas telah for impairment losses is adequate.
memadai.
69
Page 544
The original financial statements included herein are in
Indonesian language.
PT BANK VICTORIA INTERNATIONAL Tbk PT BANK VICTORIA INTERNATIONAL Tbk
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
Tanggal 31 Desember 2024 dan untuk As of December 31, 2024 and
Tahun yang Berakhir pada Tanggal tersebut for the Year Ended
(Disajikan dalam ribuan Rupiah, (Expressed in thousands of Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
8. EFEK-EFEK 8. MARKETABLE SECURITIES
a. Berdasarkan jenis a. By type
31 Desember/December 31,
2024 2023
Rupiah Rupiah
Nilai wajar melalui laba rugi Fair value through profit or loss
Obligasi pemerintah 146.629.037 - Government bonds
Reksadana - 790.570.315 Mutual funds
Wesel jangka menengah - 221.960.000 Medium-term notes
Sub jumlah 146.629.037 1.012.530.315 Sub total
Nilai wajar melalui penghasilan Fair value through other
komprehensif lain comprehensive income
Surat Utang Negara 1.117.503.740 757.213.466 Government Promissory Notes
Reksadana 836.818.168 306.932.232 Mutual funds
Surat Berharga Negara 287.857.133 308.245.034 Government Sharia Bonds
Obligasi korporasi 204.964.356 12.081.667 Corporate bonds
Wesel jangka menengah 203.189.640 - Medium-term notes
Efek Beragun Aset 1.002.379 8.508.012 Asset-backed security
Surat Berharga Syariah Korporasi - 20.283.400 Corporate Sharia Bonds
Sub jumlah 2.651.335.416 1.413.263.811 Sub total
Biaya perolehan diamortisasi Amortised cost
Surat Utang Negara 3.239.743.291 3.547.973.017 Government Promissory Notes
Sekuritas Rupiah Bank Bank Indonesia Rupiah
Indonesia (SRBI) 760.504.579 9.389.041 Securities (SRBI)
Obligasi korporasi 571.464.777 196.439.029 Corporate bonds
Reksadana 75.952.436 73.000.000 Mutual funds
Surat Berharga Syariah Korporasi 16.971.931 16.955.601 Corporate Sharia Bonds
Surat Berharga Syariah Negara 1.387.673 1.012.922 Government Sharia Bonds
Wesel Jangka Menengah - 15.000.000 Medium-term notes
Sub jumlah 4.666.024.687 3.859.769.610 Sub total
Jumlah 7.463.989.140 6.285.563.736 Total
Dikurangi: Cadangan Kerugian Less: Allowance for
Penurunan Nilai (1.266.198) (8.271.969) impairment losses
Jumlah - bersih 7.462.722.942 6.277.291.767 Total - net
70
Page 545
The original financial statements included herein are in
Indonesian language.
PT BANK VICTORIA INTERNATIONAL Tbk PT BANK VICTORIA INTERNATIONAL Tbk
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
Tanggal 31 Desember 2024 dan untuk As of December 31, 2024 and
Tahun yang Berakhir pada Tanggal tersebut for the Year Ended
(Disajikan dalam ribuan Rupiah, (Expressed in thousands of Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
8. EFEK-EFEK (lanjutan) 8. MARKETABLE SECURITIES (continued)
a. Berdasarkan jenis (lanjutan) a. By type (continued)
Pada tanggal 31 Desember 2024 dan 2023, tidak As of December 31, 2024 and 2023, there are
terdapat efek-efek yang dijaminkan. no marketable securities pledged as collateral.
Pada tanggal 31 Desember 2024 dan 2023, As of December 31, 2024 and 2023, there are
terdapat surat utang negara dalam transaksi bonds under transaction securities sold under
efek-efek yang dijual dengan janji untuk dibeli repurchase agreement with nominal amount of
kembali dengan nilai nominal sebesar Rp587,475,014 and Rp643,266,730 (Note 20).
Rp587.475.014 dan Rp643.266.730 (Catatan
20).
b. Obligasi korporasi b. Corporate bonds
i. Nilai wajar melalui penghasilan i. Fair value through other comprehensive
komprehensif lain income
31 Desember/December 31, 2024
Tingkat suku
bunga/ Tanggal jatuh
Pihak penerbit/ Obligasi/ Jumlah/ Interest rate tempo/ Peringkat/
Issuers Bonds Amount (%) Maturity date Rating
PT Global Mediacom Tbk Obligasi Berkelanjutan IV Tahap II 1
Tahun 2024 Seri A 100.319.794 8,75 1-Jul-25 idA+
PT Global Mediacom Tbk Obligasi Berkelanjutan IV Tahap II
Tahun 2024 Seri B 102.623.595 10,25 21-Jul-27 idA+
PT Merdeka Copper Gold Tbk Obligasi Berkelanjutan IV Tahap IV
Tahun 2023 Seri B 2.020.967 9,5 15-Dec-26 idA+
Jumlah/Total 204.964.356
31 Desember/December 31, 2023
Tingkat suku
bunga/ Tanggal jatuh
Pihak penerbit/ Obligasi/ Jumlah/ Interest rate tempo/ Peringkat/
Issuers Bonds Amount (%) Maturity date Rating
PT Astra Sedaya Finance Obligasi Berkelanjutan IV/III 2019 C 10.080.856 7,95 23-Oct-24 idAAA
PT Aneka Gas Industri Tbk Obligasi Berkelanjutan II Tahap IV
2021 A 2.000.811 8,10 22-Dec-24 A(idn)
Jumlah/Total 12.081.667
71
Page 546
The original financial statements included herein are in
Indonesian language.
PT BANK VICTORIA INTERNATIONAL Tbk PT BANK VICTORIA INTERNATIONAL Tbk
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
Tanggal 31 Desember 2024 dan untuk As of December 31, 2024 and
Tahun yang Berakhir pada Tanggal tersebut for the Year Ended
(Disajikan dalam ribuan Rupiah, (Expressed in thousands of Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
8. EFEK-EFEK (lanjutan) 8. MARKETABLE SECURITIES (continued)
b. Obligasi korporasi (lanjutan) b. Corporate bonds (continued)
ii. Biaya perolehan diamortisasi ii. Amortised cost
31 Desember/December 31, 2024
Tingkat
suku bunga/ Tanggal jatuh
Pihak penerbit/ Obligasi/ Jumlah/ Interest rate tempo/ Peringkat/
Issuers Bonds Amount (%) Maturity date Rating
PT Barito Pacific Tbk Obligasi Berkelanjutan III Tahap I 15.000.000 9,25 08-Feb-28 idA+
Tahun 2023 Seri B
PT Sarana Multigriya Finansial Tbk Obligasi Berkelanjutan I Tahap IV 50.000.000 7,00 26-Nov-29 idAAA
(Persero) Tahun 2024
PT Sarana Multigriya Finansial Tbk Obligasi Berkelanjutan V Tahap IV
(Persero) Tahun 2020 Seri B 10.074.777 8,10 14-Jul-25 idAAA
PT Sarana Multigriya Finansial Tbk Obligasi Berkelanjutan VII Tahap VII
(Persero) Tahun 2024 Seri C 120.000.000 6,70 26-Nov-27 idAAA
PT Sarana Multi Infrastruktur (Persero) Obligasi Berkelanjutan IV Tahap II
Tahun 2024 Seri B 126.000.000 6,70 06-Des-27 idAAA
PT Sarana Multi Infrastruktur (Persero) Obligasi Berkelanjutan IV Tahap II 129.890.000 6,95 06-Des-29 idAAA
Tahun 2024 Seri C
PT Sinar Mas Multifinance Obligasi Berkelanjutan III Tahap I 50.000.000 10,25 07-Feb-26 irA+
Tahun 2023 Seri B
PT Sinar Mas Multifinance Obligasi Berkelanjutan III Tahap I 50.000.000 10,75 07-Feb-28 irA+
Tahun 2023 Seri C
PT Sejahteraraya Anugrahjaya Tbk Obligasi I Tahun 2022 Seri A 12.500.000 9,75 07-Okt-25 idA
PT Tbs Energi Utama Tbk Obligasi I Tahun 2023 Seri B 8.000.000 10,00 03-Mar-28 idA
Jumlah/Total 571.464.777
31 Desember/December 31, 2023
Tingkat
suku bunga/ Tanggal jatuh
Pihak penerbit/ Obligasi/ Jumlah/ Interest rate tempo/ Peringkat/
Issuers Bonds Amount (%) Maturity date Rating
PT Sinar Mas Multifinance Obligasi Berkelanjutan III Tahap I 50.000.000 10,25 07-Feb-26 irA+
Tahun 2023 Seri B
PT Sinar Mas Multifinance Obligasi Berkelanjutan III Tahap I 50.000.000 10,75 07-Feb-28 irA+
Tahun 2023 Seri C
Lembaga Pembiayaan Ekspor Indonesia Obligasi Berkelanjutan III Tahap V 20.251.743 8,25 15-Agu-24 idAAA
Tahun 2017 Seri C
PT Permodalan Nasional Madani Obligasi Berkelanjutan III Tahap II 20.395.649 8,75 28-Nov-24 idAA+
(Persero) Tahun 2019 Seri B
PT Sarana Multigriya Financial Tbk Obligasi Berkelanjutan V Tahap IV 10.208.721 8,10 14-Jul-25 idAAA
(Persero) Tahun 2020 Seri B
Lembaga Pembiayaan Ekspor Indonesia Obligasi Berkelanjutan IV Tahap IV 10.082.916 8,90 23-Apr-24 idAAA
Tahun 2019 Seri C
PT Barito Pacific Tbk Obligasi Berkelanjutan III Tahap I 15.000.000 9,25 08-Feb-28 idA+
Tahun 2023 Seri B
PT Sejahteraraya Anugrahjaya Tbk Obligasi I Tahun 2022 Seri A 12.500.000 9,75 07-Okt-25 idA
PT TBS Energi Utama Tbk Obligasi I Tahun 2023 Seri B 8.000.000 10,00 03-Mar-28 idA
Jumlah/Total 196.439.029
c. Berdasarkan sisa umur jatuh tempo c. By remaining period to maturity
31 Desember/December 31,
2024 2023
Diukur pada biaya
perolehan diamortisasi Measured at amortised cost
Kurang dari 1 tahun 1.235.345.249 731.735.232 Less than 1 year
1 sampai dengan 2 tahun 554.020.947 472.679.239 1 up to 2 years
2 sampai dengan 5 tahun 1.042.436.401 305.304.379 2 up to 5 years
Lebih dari 5 tahun 1.834.222.090 2.350.050.760 More than 5 years
Jumlah 4.666.024.687 3.859.769.610 Total
72
Page 547
The original financial statements included herein are in
Indonesian language.
PT BANK VICTORIA INTERNATIONAL Tbk PT BANK VICTORIA INTERNATIONAL Tbk
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
Tanggal 31 Desember 2024 dan untuk As of December 31, 2024 and
Tahun yang Berakhir pada Tanggal tersebut for the Year Ended
(Disajikan dalam ribuan Rupiah, (Expressed in thousands of Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
8. EFEK-EFEK (lanjutan) 8. MARKETABLE SECURITIES (continued)
d. Perubahan cadangan kerugian penurunan d. The changes in allowance for impairment
nilai losses
Perubahan cadangan kerugian penurunan nilai The changes in allowance for impairment losses
efek-efek untuk tahun yang berakhir on marketable securities for the year ended
31 Desember 2024 dan 2023 adalah sebagai December 31, 2024 and 2023 are as follows:
berikut:
31 Desember/December 31, 2024
Jumlah/
Stage 1 Stage 2 Stage 3 Total
Saldo awal tahun 8.271.969 - - 8.271.969 Balance beginning of year
Transfer ke kerugian kredit Transfer to 12 month
ekspektasian 12 bulan expected credit
(Stage 1) - - - - losses (Stage 1)
Transfer ke kerugian kredit Transfer to
ekspektasian sepanjang lifetime expected credit
umurnya (Stage 2) - - - - losses (Stage 2)
Transfer ke kredit
yang mengalami Transfer to credit
penurunan nilai (Stage 3) - - - - impaired (Stage 3)
Perubahan bersih pada
eksposur (7.005.771) - - (7.005.771) Net change in exposure
Penghapusbukuan - - - - Write-off
Saldo akhir tahun 1.266.198 - - 1.266.198 Balance end of year
31 Desember/December 31, 2023
Jumlah/
Stage 1 Stage 2 Stage 3 Total
Saldo awal tahun 8.862.949 8.862.949 Balance beginning of year
Transfer ke kerugian kredit Transfer to 12 month
ekspektasian 12 bulan expected credit
(Stage 1) - - - - losses (Stage 1)
Transfer ke kerugian kredit Transfer to
ekspektasian sepanjang lifetime expected credit
umurnya (Stage 2) - - - - losses (Stage 2)
Transfer ke kredit
yang mengalami Transfer to credit
penurunan nilai (Stage 3) - - - - impaired (Stage 3)
Perubahan bersih pada
eksposur (590.980) - - (590.980) Net change in exposure
Penghapusbukuan - - - - Write-off
Saldo akhir tahun 8.271.969 - - 8.271.969 Balance end of year
73
Page 548
The original financial statements included herein are in
Indonesian language.
PT BANK VICTORIA INTERNATIONAL Tbk PT BANK VICTORIA INTERNATIONAL Tbk
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
Tanggal 31 Desember 2024 dan untuk As of December 31, 2024 and
Tahun yang Berakhir pada Tanggal tersebut for the Year Ended
(Disajikan dalam ribuan Rupiah, (Expressed in thousands of Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
8. EFEK-EFEK (lanjutan) 8. MARKETABLE SECURITIES (continued)
d. Perubahan cadangan kerugian penurunan d. The changes in allowance for impairment
nilai (lanjutan) losses (continued)
Manajemen berpendapat bahwa jumlah Management believes that the above allowance
cadangan kerugian penurunan nilai di atas telah for impairment losses is adequate.
memadai.
9. EFEK-EFEK YANG DIBELI DENGAN JANJI DIJUAL 9. SECURITIES PURCHASED UNDER RESALE
KEMBALI AGREEMENTS
Efek-efek yang dibeli dengan janji dijual kembali pada The securities purchased under resale agreements as
tanggal 31 Desember 2024 dan 2023 adalah sebagai of December 31, 2024 and 2023 are as follows:
berikut:
31 Desember/December 31, 2024
Tanggal
Jenis efek/ Nilai wajar/ Tingkat suku dimulai/ Tanggal jatuh Nilai tercatat/
Pihak lawan/ Type of Fair value bunga/ Commencement tempo/ Carrying
Counterparty Securities amount Interest rate date Maturity date amount
31 Desember/ 7 Januari/
Bank Indonesia VR0034 96.698.110 6,00% December 2024 January 2025 98.887.810
31 Desember/ 7 Januari/
Bank Indonesia VR0034 96.698.110 6,00% December 2024 January 2025 98.887.810
Jumlah/ Total 193.396.220 197.775.620
31 Desember/December 31, 2023
Tanggal
Jenis efek/ Nilai wajar/ Tingkat suku dimulai/ Tanggal jatuh Nilai tercatat/
Pihak lawan/ Type of Fair value bunga/ Commencement tempo/ Carrying
Counterparty Securities amount Interest rate date Maturity date amount
22 Desember/ 5 Januari/
Bank Mega FR0080 123.206.041 6,35% December 2023 January 2024 123.385.291
22 Desember / 5 Januari /
Bank Mega FR0080 123.206.041 6,35% December 2023 January 2024 123.385.291
22 Desember / 5 Januari/
Bank Mega FR0080 123.206.041 6,35% December 2023 January 2024 123.385.291
22 Desember / 5 Januari/
Bank Mega FR0080 123.206.041 6,35% December 2023 January 2024 123.385.291
28 Desember / 4 Januari /
Ina Perdana FR0101 47.035.463 6,25% December 2023 January 2024 47.730.463
28 Desember/ 4 Januari/
Ina Perdana FR0101 94.070.927 6,25% December 2023 January 2024 95.460.927
Jumlah/ Total 633.930.554 636.732.554
Pada tanggal 31 Desember 2024 dan 2023, seluruh As of December 31, 2024 and 2023, all securities
efek yang dibeli dengan janji dijual kembali purchased under resale agreements were classified
digolongkan sebagai lancar dan berada di stage 1. as current and are in stage 1.
Manajemen berpendapat tidak diperlukan cadangan Management believes that no allowance for
kerugian penurunan nilai pada tanggal impairment losses is required as of
31 Desember 2024 dan 2023. December 31, 2024 and 2023.
74
Page 549
The original financial statements included herein are in
Indonesian language.
PT BANK VICTORIA INTERNATIONAL Tbk PT BANK VICTORIA INTERNATIONAL Tbk
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
Tanggal 31 Desember 2024 dan untuk As of December 31, 2024 and
Tahun yang Berakhir pada Tanggal tersebut for the Year Ended
(Disajikan dalam ribuan Rupiah, (Expressed in thousands of Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
10. PENDAPATAN BUNGA YANG MASIH AKAN 10. INTEREST INCOME RECEIVABLES
DITERIMA
31 Desember/December 31,
2024 2023
Pinjaman yang diberikan 240.991.343 314.274.550 Loans
Efek-efek 79.815.159 70.597.055 Marketable securities
Efek-efek yang dibeli Securities purchased under
dengan janji dijual kembali 32.963 969.990 resale agreements
Penempatan pada Bank Indonesia Placements with Bank Indonesia
dan bank lain - 325.556 and other banks
Jumlah 320.839.465 386.167.151 Total
Dikurangi: Cadangan kerugian Less: Allowance for
penurunan nilai (6.087.977) (17.759.228) impairment losses
Jumlah - bersih 314.751.488 368.407.923 Total - net
Mutasi cadangan kerugian penurunan nilai untuk The changes in allowance for impairment losses of
pendapatan bunga yang masih akan diterima adalah interest income receivables are as follows:
sebagai berikut:
31 Desember/December 31,
2024 2023
Saldo awal 17.759.228 24.551.373 Beginning balance
Penambahan/(pembalikan) selama Addition/(reversal) during the
tahun berjalan (Catatan 32) 17.523.019 (3.814.474) year (Note 32)
Penghapusbukuan (29.194.270) (2.977.671) Write-off
Saldo akhir 6.087.977 17.759.228 Ending balance
Manajemen berpendapat bahwa cadangan kerugian Management believes that the allowance for
penurunan nilai yang telah dibentuk cukup untuk impairment losses is adequate to cover possible
menutup kemungkinan kerugian atas pendapatan losses from interest income receivables.
bunga yang masih akan diterima.
Semua pinjaman yang diberikan kepada debitur All loans granted by the Bank to the debtors
menggunakan mata uang Rupiah dan Dolar Amerika denominated in Rupiah and United States Dollar.
Serikat.
11. PINJAMAN YANG DIBERIKAN 11. LOANS
a. Berdasarkan pihak dan jenis kredit a. By counterparties and loan type
31 Desember/December 31,
2024 2023
Pinjaman yang diberikan 20.559.860.321 18.628.743.177 Loans
Dikurangi: Cadangan kerugian Less: Allowance for impairment
penurunan nilai (446.965.878) (574.872.202) of loan losses
Jumlah - bersih 20.112.894.443 18.053.870.975 Total - net
75
Page 550
The original financial statements included herein are in
Indonesian language.
PT BANK VICTORIA INTERNATIONAL Tbk PT BANK VICTORIA INTERNATIONAL Tbk
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
Tanggal 31 Desember 2024 dan untuk As of December 31, 2024 and
Tahun yang Berakhir pada Tanggal tersebut for the Year Ended
(Disajikan dalam ribuan Rupiah, (Expressed in thousands of Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
11. PINJAMAN YANG DIBERIKAN (lanjutan) 11. LOANS (continued)
a. Berdasarkan pihak dan jenis kredit (lanjutan) a. By counterparties and loan type (continued)
31 Desember/December 31,
2024 2023
Pihak Berelasi Related Parties
Pinjaman tetap dengan angsuran 96.061.857 93.067.628 Fixed loans with installments
Pinjaman rekening koran 13.299.956 33.612.870 Overdraft loans
Pinjaman tetap 11.888.850 14.093.005 Fixed loans
Pinjaman serba guna 1.519.591 1.904.420 Other loans
Pinjaman konsumen 696.857 1.218.518 Consumer loans
Sub jumlah 123.467.111 143.896.441 Sub total
Pihak Ketiga Third Parties
Pinjaman tetap 10.073.879.731 9.683.420.015 Fixed loans
Pinjaman tetap dengan angsuran 8.014.387.755 6.771.225.706 Fixed loans with installments
Pinjaman rekening koran 2.108.950.374 1.838.154.121 Overdraft loans
Pinjaman konsumen 166.649.807 163.408.554 Consumer loans
Pinjaman serba guna 72.525.543 28.638.340 Other loans
Sub jumlah 20.436.393.210 18.484.846.736 Sub total
Jumlah 20.559.860.321 18.628.743.177 Total
Dikurangi: Cadangan kerugian Less: Allowance for
penurunan nilai (446.965.878) (574.872.202) impairment losses
Jumlah - bersih 20.112.894.443 18.053.870.975 Total - net
b. Berdasarkan jangka waktu periode perjanjian b. By period of the loan agreement
pinjaman
31 Desember/December 31,
2024 2023
Kurang dari 1 tahun 8.174.754.905 1.102.254.095 Less than 1 year
1 sampai dengan 2 tahun 2.816.529.455 8.989.930.116 1 up to 2 years
2 sampai dengan 5 tahun 2.475.468.035 2.288.156.059 2 up to 5 years
Lebih dari 5 tahun 7.093.107.926 6.248.402.907 More than 5 years
Jumlah 20.559.860.321 18.628.743.177 Total
Dikurangi: Cadangan kerugian Less: Allowance for
penurunan nilai (446.965.878) (574.872.202) impairment losses
Jumlah - bersih 20.112.894.443 18.053.870.975 Total - net
c. Berdasarkan sisa umur jatuh tempo c. By remaining period to maturity
31 Desember/December 31,
2024 2023
Kurang dari 1 tahun 11.156.818.125 10.230.458.965 Less than 1 year
1 sampai dengan 2 tahun 1.427.978.860 850.744.939 1 up to 2 years
2 sampai dengan 5 tahun 4.844.615.857 4.715.574.187 2 up to 5 years
Lebih dari 5 tahun 3.130.447.479 2.831.965.086 More than 5 years
Jumlah 20.559.860.321 18.628.743.177 Total
Dikurangi: Cadangan kerugian Less: Allowance for
penurunan nilai (446.965.878) (574.872.202) impairment losses
Jumlah - bersih 20.112.894.443 18.053.870.975 Total - net
76
Page 551
The original financial statements included herein are in
Indonesian language.
PT BANK VICTORIA INTERNATIONAL Tbk PT BANK VICTORIA INTERNATIONAL Tbk
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
Tanggal 31 Desember 2024 dan untuk As of December 31, 2024 and
Tahun yang Berakhir pada Tanggal tersebut for the Year Ended
(Disajikan dalam ribuan Rupiah, (Expressed in thousands of Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
11. PINJAMAN YANG DIBERIKAN (lanjutan) 11. LOANS (continued)
d. Menurut Stage d. By Stage
Berikut adalah perubahan jumlah pinjaman yang Below is movement of loans based on stages
diberikan berdasarkan stage selama tahun during the year ended December 31, 2024 and
berakhir 31 Desember 2024 dan 2023: 2023:
31 Desember/ December 31, 2024
Jumlah/
Stage 1 Stage 2 Stage 3 Total
Saldo awal tahun 16.834.895.372 1.050.384.426 743.463.379 18.628.743.177 Balance beginning of year
Transfer ke kerugian kredit
ekspektasian 12 bulan Transfer to expected
(Stage 1) 34.863.775 (12.553.637) (22.310.138) - credit losses (Stage 1)
Transfer ke kerugian kredit
ekspektasian sepanjang Transfer to lifetime expected
umurnya (Stage 2) (173.779.654) 173.779.654 - - credit losses (Stage 2)
Transfer ke kredit yang mengalami Transfer to credit impaired
penurunan nilai (Stage 3) (83.452.847) (285.386.494) 368.839.341 - (Stage 3)
Total saldo awal Total opening balance
setelah pengalihan 16.612.526.646 926.223.949 1.089.992.582 18.628.743.177 after transfer
Pengukuran kembali bersih Net remeasurement of
nilai tercatat (1.140.627.945) (54.586.943) (99.184.429) (1.294.399.317) carrying amount
Aset keuangan yang baru New financial asset
diterbitkan atau dibeli 7.809.412.723 49.523.265 - 7.858.935.988 originated or purchased
Aset keuangan yang Derecognition of
dihentikan pengakuannya (4.161.735.403) (136.321.514) (16.520.746) (4.314.577.663) financial asset
Aset keuangan yang Written-off financial
dihapusbuku - - (318.841.864) (318.841.864) assets
Total penambahan/(pengurangan) Total additional/(reversal)
tahun berjalan 2.507.049.375 (141.385.192) (434.547.039) 1.931.117.144 during the year
Saldo akhir tahun 19.119.576.021 784.838.757 655.445.543 20.559.860.321 Balance end of year
31 Desember/ December 31, 2023
Jumlah/
Stage 1 Stage 2 Stage 3 Total
Saldo awal tahun 13.749.721.837 1.406.262.727 668.626.527 15.824.611.091 Balance beginning of year
Transfer ke kerugian kredit
ekspektasian 12 bulan Transfer to expected
(Stage 1) 524.560.294 (521.995.580) (2.564.714) - credit losses (Stage 1)
Transfer ke kerugian kredit
ekspektasian sepanjang Transfer to lifetime expected
umurnya (Stage 2) (498.885.200) 498.885.200 - - credit losses (Stage 2)
Transfer ke kredit yang mengalami Transfer to credit impaired
penurunan nilai (Stage 3) (117.427.616) (261.018.850) 378.446.466 - (Stage 3)
Total saldo awal Total opening balance
setelah pengalihan 13.657.969.315 1.122.133.497 1.044.508.279 15.824.611.091 after transfer
Pengukuran kembali bersih Net remeasurement of
nilai tercatat (1.338.336.571) (73.638.752) (159.342.477) (1.571.317.800) carrying amount
Aset keuangan yang baru New financial asset
diterbitkan atau dibeli 8.698.335.237 201.653.500 134.001.472 9.033.990.209 originated or purchased
Aset keuangan yang Derecognition of
dihentikan pengakuannya (4.183.072.609) (199.763.819) (67.043.684) (4.449.880.112) financial asset
Aset keuangan yang Written-off financial
dihapusbuku - - (208.660.211) (208.660.211) assets
Total penambahan/(pengurangan) Total additional/(reversal)
tahun berjalan 3.176.926.057 (71.749.071) (301.044.900) 2.804.132.086 during the year
Saldo akhir tahun 16.834.895.372 1.050.384.426 743.463.379 18.628.743.177 Balance end of year
77
Page 552
The original financial statements included herein are in
Indonesian language.
PT BANK VICTORIA INTERNATIONAL Tbk PT BANK VICTORIA INTERNATIONAL Tbk
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
Tanggal 31 Desember 2024 dan untuk As of December 31, 2024 and
Tahun yang Berakhir pada Tanggal tersebut for the Year Ended
(Disajikan dalam ribuan Rupiah, (Expressed in thousands of Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
11. PINJAMAN YANG DIBERIKAN (lanjutan) 11. LOANS (continued)
e. Perubahan cadangan kerugian penurunan e. The changes in allowance for impairment
nilai losses
31 Desember/ December 31, 2024
Jumlah/
Stage 1 Stage 2 Stage 3 Total
Saldo awal tahun 112.806.057 322.204.788 139.861.357 574.872.202 Balance beginning of year
Transfer ke kerugian kredit
ekspektasian 12 bulan Transfer to 12 month expected
(Stage 1) 12.949.232 (1.132.134) (11.817.098) - credit losses (Stage 1)
Transfer ke kerugian kredit
ekspektasian sepanjang Transfer to lifetime expected
umurnya (Stage 2) (1.049.161) 1.049.161 - - credit losses (Stage 2)
Transfer ke kredit yang mengalami Transfer to credit impaired
penurunan nilai (Stage 3) (2.070.794) (116.170.501) 118.241.295 - (Stage 3)
Total saldo awal setelah Beginning balance after
pengalihan 122.635.334 205.951.314 246.285.554 574.872.202 stage transfer
Pengukuran kembali bersih Net remeasurement of
penyisihan kerugian (56.576.673) (385.312) 256.680.765 199.718.780 carrying amount
Aset keuangan yang baru New financial asset
diterbitkan atau dibeli 29.899.871 22.924.119 - 52.823.990 originated or purchased
Aset keuangan yang dihentikan Derecognised financial
pengakuannya (17.898.261) (40.044.238) (3.664.730) (61.607.229) assets
Aset keuangan yang Written-off financial
dihapusbuku - - (318.841.865) (318.841.865) assets
Total penambahan/(penurunan) Total addition/(reversal)
tahun berjalan (44.575.063) (17.505.431) (65.825.830) (127.906.324) during the year
Saldo akhir tahun 78.060.271 188.445.883 180.459.724 446.965.878 Balance end of year
31 Desember/ December 31, 2023
Jumlah/
Stage 1 Stage 2 Stage 3 Total
Saldo awal tahun 113.248.446 297.426.209 127.443.596 538.118.251 Balance beginning of year
Transfer ke kerugian kredit
ekspektasian 12 bulan Transfer to 12 month expected
(Stage 1) 101.250.110 (100.340.521) (909.589) - credit losses (Stage 1)
Transfer ke kerugian kredit
ekspektasian sepanjang Transfer to lifetime expected
umurnya (Stage 2) (5.550.699) 5.550.699 - - credit losses (Stage 2)
Transfer ke kredit yang mengalami Transfer to credit impaired
penurunan nilai (Stage 3) (1.669.222) (34.430.698) 36.099.920 - (Stage 3)
Total saldo awal setelah Beginning balance after
pengalihan 207.278.635 168.205.689 162.633.927 538.118.251 stage transfer
Pengukuran kembali bersih Net remeasurement of
penyisihan kerugian (107.119.134) 139.909.436 185.691.182 218.481.484 carrying amount
Aset keuangan yang baru New financial asset
diterbitkan atau dibeli 41.176.937 61.568.430 9.266.982 112.012.349 originated or purchased
Aset keuangan yang dihentikan Derecognised financial
pengakuannya (28.530.381) (47.478.767) (9.070.523) (85.079.671) assets
Aset keuangan yang Written-off financial
dihapusbuku - - (208.660.211) (208.660.211) assets
Total penambahan/(penurunan) Total addition/(reversal)
tahun berjalan (94.472.578) 153.999.099 (22.772.570) 36.753.951 during the year
Saldo akhir tahun 112.806.057 322.204.788 139.861.357 574.872.202 Balance end of year
Manajemen berpendapat bahwa cadangan kerugian The management believe that allowance for
penurunan nilai untuk pinjaman yang diberikan impairment losses of loans is adequate to cover
adalah cukup untuk menutup kerugian yang impairment losses that might arise from uncollectible
mungkin timbul akibat tidak tertagihnya pinjaman. loans.
78
Page 553
The original financial statements included herein are in
Indonesian language.
PT BANK VICTORIA INTERNATIONAL Tbk PT BANK VICTORIA INTERNATIONAL Tbk
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
Tanggal 31 Desember 2024 dan untuk As of December 31, 2024 and
Tahun yang Berakhir pada Tanggal tersebut for the Year Ended
(Disajikan dalam ribuan Rupiah, (Expressed in thousands of Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
11. PINJAMAN YANG DIBERIKAN (lanjutan) 11. LOANS (continued)
Jaminan atas pinjaman yang diberikan berupa tanah, Collaterals for loans are in form of as land, building,
bangunan, saham, giro, deposito berjangka, mesin, shares, demand deposits, time deposits, machinery,
persediaan, dan piutang. Deposito berjangka yang inventories, and receivables. Time deposits that are
dijadikan jaminan tunai untuk pinjaman yang pledged as cash collateral for loans as of
diberikan pada tanggal 31 Desember 2024 dan 2023 December 31, 2024 and 2023 amounted to
masing-masing sebesar Rp1.116.894.988 dan Rp1,116,894,988 and Rp1,719,715,512 (Note 18)
Rp1.719.715.512 (Catatan 18) dengan outstanding with loan outstanding of Rp862,093,354 and
pinjaman masing-masing sebesar Rp862.093.354 Rp6,228,669,396, respectively. Demand deposits
dan Rp6.228.669.396. Giro yang dijadikan jaminan that are pledged as cash collateral for loans as of
tunai untuk pinjaman yang diberikan pada tanggal December 31, 2024 and 2023 amounted to
31 Desember 2024 dan 2023 masing-masing Rp680,735,509 and Rp330,646,300 (Note 18) with
sebesar Rp680.735.509 dan Rp330.646.300 loan outstanding of Rp655,693,377 and
(Catatan 18) dengan outstanding pinjaman masing- Rp730,857,049, respectively. Saving deposits that
masing sebesar Rp655.693.377 dan Rp730.857.049. are pledged as cash collateral for loans as of
Tabungan yang dijadikan jaminan tunai untuk December 31, 2024 amounted to Rp133,150,000 and
pinjaman yang diberikan pada tanggal 31 Desember Rp149,150,000 (Note 18) with loan outstanding of
2024 sebesar Rp133.150.000 dan Rp149.150.000 Rp111,577,164 and Rp409,964,166. Negotiable
(Catatan 18) dengan outstanding pinjaman sebesar Certificate Deposits (NCD) that are pledged as cash
Rp111.577.164 dan Rp409.964.166. Negotiable collateral for loans as of December 31, 2024 and
Certificate Deposits (NCD) yang dijadikan jaminan 2023 amounted to Rp131,000,000 and
tunai untuk pinjaman yang diberikan pada tanggal Rp116,900,000 (Note 18) with loan outstanding of
31 Desember 2024 dan 2023 masing-masing Rp111,804,157 and Rp82,181,253 respectively.
sebesar Rp131.000.000 dan Rp116.900.000
(Catatan 18) dengan outstanding pinjaman sebesar
Rp111.804.157 dan Rp82.181.253.
12. PENYERTAAN SAHAM 12. INVESTMENTS IN SHARES
31 Desember/December 31,
Kepemilikan/
Ownership 2024 2023
Diukur pada FVTPL Measured at FVTPL
PT Bima Multi Finance 0,00% 0*) 0*) PT Bima Multi Finance
Entitas asosiasi Associate Entity
PT Bank Victoria Syariah 19,81% 219.933.809 215.930.505 PT Bank Victoria Syariah
Jumlah 219.933.809 215.930.505 Total
*) nilai wajar saham PT Bima Multi Finance adalah sebesar Rp1 *) fair value of shares in PT Bima Multi Finance are Rp1 (in full amount)
(dalam nilai penuh)
Pada tanggal 15 Desember 2023, Bank melakukan On December 15, 2023, the Bank sold its shares
transaksi penjualan atas saham yang dimiliki pada ownership in PT Bima Multi Finance to PT Sumber
PT Bima Multi Finance kepada PT Sumber Daya Daya Sakti with selling price of Rp80,297. The selling
Sakti dengan harga jual sebesar Rp80.297. Nilai jual value is above the result of valuation performed by
ditentukan diatas hasil penilaian yang dilakukan oleh KJPP Tri, Santi & Partners dated December 8, 2023.
KJPP Tri, Santi & Rekan tertanggal 8 Desember As of the date of this financial statements, the share
2023. Sampai dengan tanggal laporan keuangan ini, transfer transaction is still in the process of
transaksi pengalihan saham masih dalam proses registering and recording in Ministry of Law and
pelaporan dan pencatatan di Kementerian Hukum Human Rights of the Republic of Indonesia. As of
dan Hak Asasi Manusia Republik Indonesia oleh December 31, 2023, the Bank has recorded a loss
PT Bima Multi Finance. Pada tanggal 31 Desember from decrease in fair value on shares ownership in
2023, Bank telah mencatat kerugian penurunan nilai PT Bima Multi Finance amounting to Rp31,877,279,
wajar atas penyertaan saham PT Bima Multi Finance therefore the balance of investment in shares in
sebesar Rp31.877.279, sehingga nilai tercatat PT Bima Multi Finance is Rp1 (in full amount) as of
penyertaan saham di PT Bima Multi Finance adalah December 31, 2023 and 2024.
Rp1 (dalam nilai penuh) per 31 Desember 2023 dan
2024.
79
Page 554
The original financial statements included herein are in
Indonesian language.
PT BANK VICTORIA INTERNATIONAL Tbk PT BANK VICTORIA INTERNATIONAL Tbk
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
Tanggal 31 Desember 2024 dan untuk As of December 31, 2024 and
Tahun yang Berakhir pada Tanggal tersebut for the Year Ended
(Disajikan dalam ribuan Rupiah, (Expressed in thousands of Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
12. PENYERTAAN SAHAM (lanjutan) 12. INVESTMENTS IN SHARES (continued)
Dalam rangka memenuhi modal inti sebesar In order to fulfill the minimum core capital
Rp1.000.000.000 (satu triliun rupiah) di PT Bank requirement amounting to Rp1,000,000,000 (one
Victoria Syariah, Bank melakukan penambahan trillion Rupiah) for PT Bank Victoria Syariah, Bank
penyertaan modal kepada Bank Victoria Syariah has injected an additional investment in
sebesar Rp138.000.000 yang telah mendapat PT Bank Victoria Syariah shares amounting to
persetujuan dari Otoritas Jasa Keuangan (OJK) Rp138,000,000 which has been approved by
melalui surat No. S-137/PB.33/2022 tanggal Financial Service Authority through letter
27 Desember 2022. No. S-137/PB.33/2022 dated December 27, 2022.
Berdasarkan Berita Acara Rapat Umum Luar Biasa Based on the Minutes of Extraordinary Shareholders
para Pemegang Saham PT Bima Multi Finance Meeting of PT Bima Multi Finance dated November
tertanggal 12 November 2018 dan Akta Notaris 12, 2018 and Notarial Deed No. 19 dated March 12,
No. 19 tanggal 12 Maret 2019 yang dibuat dihadapan 2019 of Drs. Wijanto Suwongso, S.H., a Notary in
Drs. Wijanto Suwongso, SH., Notaris di Jakarta, Bank Jakarta, Bank and the other creditors have agreed on
dan beberapa kreditur lainnya telah menyetujui the convertion from long term loan and MTN of
konversi pinjaman jangka panjang dan MTN PT Bima PT Bima Multi Finance into shares with convertion
Multi Finance menjadi saham dengan nilai konversi rate of Rp500 per shares (Rupiah full amount). This
Rp500 per lembar saham (nilai Rupiah penuh). changes has been accepted and recorded in
Perubahan ini telah diterima dan dicatat di dalam database of Legal Entities Administration System of
database Sistem Administrasi Badan Hukum the Ministry of Law and Human Rights of the
Kementerian Hukum dan Hak Asasi Manusia Republic of Indonesia in its Letter No. AHU-
Republik Indonesia berdasarkan Surat AH.01.03-0151322 dated March 15, 2019. From this
No. AHU-AH.01.03-0151322 tanggal 15 Maret 2019. convertion process, Bank has 34.91% percentage of
Melalui proses konversi ini, Bank memiliki persentase ownership in PT Bima Multi Finance and recorded as
kepemilikan sebesar 34,91% di PT Bima Multi temporary investment in shares amounted to
Finance dan mencatatnya sebagai penyertaan Rp168,907,325 (gross). After recording a temporary
saham sementara sebesar Rp168.907.325 (bruto). investment in shares, the Bank no longer recognise
Setelah mencatat penyertaan saham sementara, the loans and MTN in PT Bima Multi Finance.
Bank tidak lagi mengakui pinjaman yang diberikan
dan MTN pada PT Bima Multi Finance.
Bank wajib untuk melakukan divestasi penyertaan Banks are obliged to divest temporary investment in
saham sementara apabila penyertaan saham shares if the temporary investment in shares have
sementara telah melebihi jangka waktu paling lama exceeded a maximum period of 5 (five) years or
5 (lima) tahun atau PT Bima Multi Finance telah PT Bima Multi Finance has recorded positive retained
mencatatkan saldo laba positif pada ekuitasnya. Hal earnings in their equity. This is in accordance with the
ini sesuai dengan intensi dari Bank untuk menjual Bank's intention to sell the temporary investment in
penyertaan saham sementara pada PT Bima Multi PT Bima Multi Finance if it has meets the specified
Finance apabila telah memenuhi kriteria yang criteria.
ditentukan.
80
Page 555
The original financial statements included herein are in
Indonesian language.
PT BANK VICTORIA INTERNATIONAL Tbk PT BANK VICTORIA INTERNATIONAL Tbk
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
Tanggal 31 Desember 2024 dan untuk As of December 31, 2024 and
Tahun yang Berakhir pada Tanggal tersebut for the Year Ended
(Disajikan dalam ribuan Rupiah, (Expressed in thousands of Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
12. PENYERTAAN SAHAM (lanjutan) 12. INVESTMENTS IN SHARES (continued)
Bank juga tidak memiliki pengaruh signifikan pada Bank also does not have a significant influence on
PT Bima Multi Finance dibuktikan dengan: PT Bima Multi Finance as evidenced by:
i. Tidak terdapat wakil dari Bank yang menjabat i. There is no representative from the Bank who
sebagai Dewan Direksi dan Dewan Komisaris serves as the Board of Directors and the Board
atau organ setara di PT Bima Multi Finance; of the Commissioners or equivalent organs in
PT Bima Multi Finance;
ii. Bank tidak berpartisipasi dalam proses ii. The Bank does not participate in the policy-
pembuatan kebijakan, termasuk dalam making process, including participation in
partisipasi dalam pengambilan keputusan decision-making about dividends or other
tentang dividen atau distribusi lain pada distributions in PT Bima Multi Finance;
PT Bima Multi Finance;
iii. Tidak adanya transaksi material antara Bank iii. There is no material transaction between the
dengan PT Bima Multi Finance; Bank and PT Bima Multi Finance;
iv. Tidak terdapat pertukaran personil manajerial iv. There is no managerial personnel exchange
antara Bank dengan PT Bima Multi Finance; dan between the Bank and PT Bima Multi Finance; and
v. Bank tidak terlibat dalam penyediaan teknis v. The Bank is not involved in providing principal
informasi pokok untuk PT Bima Multi Finance. technical information for PT Bima Multi Finance.
Lihat Catatan 45 untuk pengukuran nilai wajar Refer to Note 45 for fair value measurement of
penyertaan saham pada tanggal 31 Desember 2024 investment in shares as of December 31, 2024 and
dan 2023. 2023.
13. BIAYA DIBAYAR DIMUKA 13. PREPAID EXPENSES
31 Desember/December 31,
2024 2023
Promosi 23.670.778 17.034.405 Promotion
Pengembangan teknologi 3.578.500 3.152.376 Technology development
Sewa dibayar dimuka 174.368 877.362 Prepaid rent
Lain-lain 3.719.980 4.400.881 Others
Jumlah 31.143.626 25.465.024 Total
Lain-lain sebagian besar terdiri dari premi asuransi Others mainly consists of prepaid insurances,
dibayar dimuka, biaya dibayar dimuka personalia dan prepaid salaries expenses and legal fees.
biaya jasa hukum.
14. ASET TETAP DAN ASET HAK-GUNA 14. FIXED ASSETS AND RIGHT-OF-USE ASSETS
Aset tetap terdiri dari: Fixed assets consist of the following:
31 Desember/December 31,
2024 2023
Kepemilikan langsung 354.630.313 376.477.361 Direct ownership
Aset hak-guna 36.803.224 46.749.843 Right-of-use assets
Jumlah 391.433.537 423.227.204 Total
81
Page 556
The original financial statements included herein are in
Indonesian language.
PT BANK VICTORIA INTERNATIONAL Tbk PT BANK VICTORIA INTERNATIONAL Tbk
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
Tanggal 31 Desember 2024 dan untuk As of December 31, 2024 and
Tahun yang Berakhir pada Tanggal tersebut for the Year Ended
(Disajikan dalam ribuan Rupiah, (Expressed in thousands of Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
14. ASET TETAP DAN ASET HAK-GUNA (lanjutan) 14. FIXED ASSETS AND RIGHT-OF-USE ASSETS
(continued)
Aset tetap kepemilikan langsung Direct ownership fixed assets
31 Desember/December 31, 2024
Saldo awal/ Penambahan/ Pengurangan/ Kapitalisasi/ Revaluasi/ Saldo akhir/
Beginning balance Additions Deductions Capitalisation Revaluation Ending balance
Biaya Perolehan Acquisition Cost
Kepemilikan langsung: Direct ownership:
Tanah 316.137.746 - (30.010.821) - 7.979.960 294.106.885 Land
Bangunan 51.001.653 2.673.440 (1.115.203) - (12.805.119) 39.754.771 Buildings
Kendaraan bermotor 8.125.155 2.884.800 (3.451.375) - - 7.558.580 Vehicles
Mesin-mesin dan Machinery and
peralatan 42.409.202 13.870.498 (743.307) - - 55.536.393 equipment
Perlengkapan dan Office furniture and
perabotan kantor 6.647.750 373.358 (33.100) - - 6.988.008 equipment
Aset tetap dalam Assets under
proses pembangunan 19.290.946 - - - (8.230.946) 11.060.000 constructions
Jumlah biaya Total acquisition
perolehan 443.612.452 19.802.096 (35.353.806) - (13.056.105) 415.004.637 cost
Akumulasi Accumulated
Penyusutan Depreciation
Kepemilikan langsung: Direct ownership:
Bangunan 27.680.724 3.945.713 (743.470) - (13.705.151) 17.177.816 Buildings
Kendaraan bermotor 5.928.291 896.717 (3.451.375) - - 3.373.633 Vehicles
Mesin-mesin dan Machinery and
peralatan 27.415.712 6.815.676 (743.307) - - 33.488.081 equipment
Perlengkapan dan Office furniture and
perabotan kantor 6.110.364 257.530 (33.100) - - 6.334.794 equipment
Jumlah akumulasi Total accumulated
penyusutan 67.135.091 11.915.636 (4.971.252) - (13.705.151) 60.374.324 depreciation
Nilai buku bersih 376.477.361 354.630.313 Net book value
31 Desember/December 31, 2023
Saldo awal/ Penambahan/ Pengurangan/ Kapitalisasi/ Reklasifikasi/ Saldo akhir/
Beginning balance Additions Deductions Capitalisation Reclassification Ending balance
Biaya Perolehan Acquisition Cost
Kepemilikan langsung: Direct ownership:
Tanah 371.644.982 - (44.913.045) 350.580 (10.944.771) 316.137.746 Land
Bangunan 59.090.423 1.613.152 (6.366.089) 149.000 (3.484.833) 51.001.653 Buildings
Kendaraan bermotor 6.030.655 2.099.300 (4.800) - - 8.125.155 Vehicles
Mesin-mesin dan Machinery and
peralatan 30.603.912 12.079.980 (274.690) - - 42.409.202 equipment
Perlengkapan dan Office furniture and
perabotan kantor 6.317.231 398.594 (68.075) - - 6.647.750 equipment
Aset tetap dalam Assets under
proses pembangunan 21.086.752 4.774 (1.450.000) - (350.580) 19.290.946 constructions
Jumlah biaya Total acquisition
perolehan 494.773.955 16.195.800 (53.076.699) 499.580 (14.780.184) 443.612.452 cost
Akumulasi Accumulated
Penyusutan Depreciation
Kepemilikan langsung: Direct ownership:
Bangunan 24.792.291 6.296.274 (2.246.808) - (1.161.033) 27.680.724 Buildings
Kendaraan bermotor 5.642.107 290.984 (4.800) - - 5.928.291 Vehicles
Mesin-mesin dan Machinery and
peralatan 23.339.109 4.351.117 (274.514) - - 27.415.712 equipment
Perlengkapan dan Office furniture and
perabotan kantor 5.962.013 216.426 (68.075) - - 6.110.364 equipment
Jumlah akumulasi Total accumulated
penyusutan 59.735.520 11.154.801 (2.594.197) - (1.161.033) 67.135.091 depreciation
Nilai buku bersih 435.038.435 376.477.361 Net book value
Rincian laba/(rugi) penjualan aset tetap adalah The details of gain/(loss) on sale of fixed assets are
sebagai berikut: as follows:
31 Desember/December 31,
2024 2023
Hasil penjualan aset tetap 28.782.400 45.395.525 Proceeds from sale of fixed assets
Nilai buku (30.382.553) (49.032.326) Book value
Laba/(rugi) penjualan Gain/(loss) on sale
aset tetap (Catatan 36) (1.600.153) (3.636.801) of fixed assets (Note 36)
82
Page 557
The original financial statements included herein are in
Indonesian language.
PT BANK VICTORIA INTERNATIONAL Tbk PT BANK VICTORIA INTERNATIONAL Tbk
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
Tanggal 31 Desember 2024 dan untuk As of December 31, 2024 and
Tahun yang Berakhir pada Tanggal tersebut for the Year Ended
(Disajikan dalam ribuan Rupiah, (Expressed in thousands of Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
14. ASET TETAP DAN ASET HAK-GUNA 14. FIXED ASSETS AND RIGHT-OF-USE ASSETS
Aset tetap kepemilikan langsung (lanjutan) Direct ownership fixed assets (continued)
Laba/(rugi) penjualan aset tetap disajikan sebagai Gain/(loss) on sale of fixed assets is presented as
bagian dari akun “Beban (pendapatan) non- part of “Non-operating expense (income) - net” in the
operasional - bersih” pada laporan laba rugi dan statement profit or loss and other comprehensive
penghasilan komprehensif (Catatan 36). income (Note 36).
Aset tetap dalam proses pembangunan pada tanggal Assets under construction as of December 31, 2024
31 Desember 2024 dan 2023 masing-masing and 2023 amounting to Rp11,060,000 and
sebesar Rp11.060.000 dan Rp19.290.946 Rp19,290,946, respectively, related to land and
merupakan tanah dan bangunan yang dibeli dan buildings that were bought but still under licensing
masih dalam tahap perizinan dan perpanjangan Surat phase and extension of Rights to Build (SHGB). The
Hak Guna Bangunan (SHGB). Estimasi persentase estimated percentage of completion of Construction
tingkat penyelesaian aset tetap dalam proses in progress as of December 31, 2024 and 2023 is
pembangunan pada tanggal 31 Desember 2024 dan 90%. Those constructions are estimated to be
2023 adalah 90%. Konstruksi tersebut diperkirakan completed in 2026.
akan selesai pada tahun 2026.
Bank memiliki beberapa bidang tanah yang terletak The Bank own several fields of land in Jakarta,
di Jakarta, Bandung, Surabaya, dan Denpasar Bandung, Surabaya, and Denpasar with Building
dengan hak kepemilikan berupa Hak Guna Bangunan Usage Rights (“HGB”) for 20 (twenty) up to 30 (thirty)
yang berjangka waktu antara 20 (dua puluh) sampai years which will expire in various years up to 2046.
dengan 30 (tiga puluh) tahun yang akan jatuh tempo The management believes that there will be no
dalam berbagai tahun sampai tahun 2046. difficulty in the extension of the land rights since all of
Manajemen berpendapat bahwa tidak terdapat the land were acquired legally and supported by
masalah dengan perpanjangan hak atas tanah sufficient evidence of ownership.
karena seluruh tanah diperoleh secara sah dan
didukung dengan bukti kepemilikan yang memadai.
Aset tetap, kecuali tanah, diasuransikan terhadap Fixed assets, except land, are insured against losses
risiko kebakaran dan pencurian kepada PT Victoria by fire and theft risks to PT Victoria Insurance (related
Insurance (pihak berelasi) dengan nilai party) with total insurance coverage as of
pertanggungan seluruhnya pada tanggal December 31, 2024 and 2023 amounting
31 Desember 2024 dan 2023 masing-masing Rp153,530,250 and Rp160,234,700, respectively.
sebesar Rp153.530.250 dan Rp160.234.700. The Bank’s management believe that the insurance
Manajemen Bank berpendapat bahwa nilai coverage is adequate to cover possible losses on
pertanggungan tersebut telah memadai untuk fixed assets insured.
menutup kemungkinan kerugian atas aset tetap yang
dipertanggungkan.
Seluruh aset tetap yang ada pada tanggal pelaporan All of the fixed assets as of the reporting date
31 Desember 2024 dan 2023 digunakan untuk December 31, 2024 and 2023 are used to support
menunjang aktivitas operasi Bank. Pada tanggal the Bank’s operation activities. As of December 31,
31 Desember 2024 dan 2023, jumlah nilai perolehan 2024 and 2023, the total acquisition cost of fixed
aset tetap yang telah disusutkan penuh namun masih assets that have been fully depreciated but still in use
digunakan masing-masing adalah sebesar amounted Rp60,058,395 and Rp50,576,817,
Rp60.058.395 dan Rp50.576.817. respectively.
Manajemen Bank telah melakukan pengkajian The Bank’s Management has re-assessed the
kembali atas estimasi umur ekonomis, metode estimation of useful lives,depreciation method and
penyusutan dan nilai residu aset tetap pada tanggal residual value of fixed assets on December 31, 2024
31 Desember 2024 dan 2023. and 2023.
83
Page 558
The original financial statements included herein are in
Indonesian language.
PT BANK VICTORIA INTERNATIONAL Tbk PT BANK VICTORIA INTERNATIONAL Tbk
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
Tanggal 31 Desember 2024 dan untuk As of December 31, 2024 and
Tahun yang Berakhir pada Tanggal tersebut for the Year Ended
(Disajikan dalam ribuan Rupiah, (Expressed in thousands of Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
14. ASET TETAP DAN ASET HAK-GUNA (lanjutan) 14. FIXED ASSETS AND RIGHT-OF-USE ASSETS
(continued)
Aset tetap kepemilikan langsung (lanjutan) Direct ownership fixed assets (continued)
Tidak terdapat aset tetap yang dihentikan dari There are no fixed assets discontinued from active
penggunaan aktif atau diklasifikasikan sebagai use or classified as assets held for sale.
tersedia untuk dijual.
Berikut adalah perkiraan jumlah nilai tercatat aset Below is the estimated net book value of fixed asset
tetap jika dicatat dengan metode biaya pada tanggal if recorded using cost method as of December 31,
31 Desember 2024 dan 2023: 2024 and 2023:
31 Desember/December 31,
2024 2023
Tanah 286.126.927 275.568.597 Land
Bangunan 21.676.922 7.761.128 Building
Kendaraan Bermotor 4.184.947 2.196.864 Vehicle
Mesin dan Peralatan 22.048.312 14.993.490 Machinery and equipment
Perlengkapan dan perabotan kantor 653.214 537.386 Office furniture and equipment
Aset tetap dalam proses pembangunan 19.290.946 19.636.752 Assets under constructions
353.981.268 320.694.217
Aset hak-guna Right-of-use assets
Aset hak-guna pada 31 Desember 2024 dan 2023 Rights-of-use assets as of December 31, 2024 and
adalah sebagai berikut: 2023 are as follows:
31 Desember/ December 31, 2024
Saldo awal/ Penambahan/ Pengurangan/ Reklasifikasi/ Saldo akhir/
Beginning balance Additions Disposals Reclassification Ending balance
Aset hak-guna Right-of-use assets
Bangunan 61.474.143 2.619.166 (7.909.174) - 56.184.135 Buildings
Akumulasi Accumulated
Penyusutan Depreciation
Bangunan 14.724.300 12.565.785 (7.909.174) - 19.380.911 Buildings
Nilai buku bersih 46.749.843 36.803.224 Net book value
31 Desember/ December 31, 2023
Saldo awal/ Penambahan/ Pengurangan/ Reklasifikasi/ Saldo akhir/
Beginning balance Additions Disposals*) Reclassification Ending balance
Aset hak-guna Right-of-use assets
Bangunan 49.959.422 21.754.777 (10.240.056) - 61.474.143 Buildings
Akumulasi Accumulated
Penyusutan Depreciation
Bangunan 14.144.830 10.819.526 (10.240.056) - 14.724.300 Buildings
Nilai buku bersih 35.814.592 46.749.843 Net book value
84
Page 559
The original financial statements included herein are in
Indonesian language.
PT BANK VICTORIA INTERNATIONAL Tbk PT BANK VICTORIA INTERNATIONAL Tbk
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
Tanggal 31 Desember 2024 dan untuk As of December 31, 2024 and
Tahun yang Berakhir pada Tanggal tersebut for the Year Ended
(Disajikan dalam ribuan Rupiah, (Expressed in thousands of Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
14. ASET TETAP DAN ASET HAK-GUNA (lanjutan) 14. FIXED ASSETS AND RIGHT-OF-USE ASSETS
(continued)
Aset hak-guna (lanjutan) Right-of-use assets (continued)
Pada tanggal 31 Desember 2024 dan 2023, As of December 31, 2024 and 2023, depreciation
penyusutan yang tercatat pada Bank adalah sebagai expense recorded by the Bank as follows (Note 33):
berikut (Catatan 33):
31 Desember/December 31,
2024 2023
Penyusutan aset tetap 11.915.636 11.154.801 Depreciation of fixed asset
Penyusutan sewa guna usaha 12.565.785 10.819.526 Depreciation of right-of-use assets
Jumlah 24.481.421 21.974.327 Total
Laporan posisi keuangan menunjukkan jumlah terkait The balance sheet shows the following amounts
sewa adalah sebagai berikut: relating to leases:
31 Desember/December 31,
2024 2023
Aset hak-guna: Right-of-use assets:
- Bangunan 36.803.224 46.749.843 Buildings -
36.803.224 46.749.843
Liabilitas sewa (Catatan 23) 39.811.304 47.309.526 Lease liabilities (Note 23)
39.811.304 47.309.526
Laporan laba rugi menunjukkan jumlah terkait sewa The statement of profit or loss shows the following
adalah sebagai berikut: amounts relating to leases:
31 Desember/December 31,
2024 2023
Beban penyusutan 12.565.785 10.819.526 Depreciation expense
Beban bunga atas liabilitas sewa Interest expense of lease liabilities
(Catatan 33) 4.117.817 2.854.679 (Note 33)
Jumlah 16.683.602 13.674.205 Total
Revaluasi aset tetap Fixed asset revaluation
Penilaian kembali atas nilai wajar aset tetap yang Revaluation on fair value of the Bank’s fixed assets
dimiliki Bank pada 31 Desember 2024 telah as of December 31, 2024 was performed by Kantor
dilakukan oleh Kantor Jasa Penilai Publik (“KJPP”) Jasa Penilai Publik (“KJPP”) Jimmy Prasetyo dan
Jimmy Prasetyo dan Rekan dengan laporan penilaian Rekan with valuation report dated January 9, 2025
tertanggal 9 Januari 2025 atas aset tetap berupa for fixed assets in forms of land and building, also
tanah dan bangunan, serta laporan penilaian valuation report dated January 16, 2025 for assets
tertanggal 16 Januari 2025 atas aset tetap dalam under constructions of land and building in Bali. The
proses pembangunan berupa tanah dan bangunan di valuation report was signed by Audrey Angelina,
Bali. Laporan penilaian ditandatangani oleh Audrey M.Bus., MAPPI (Cert.), independent appraiser
Angelina, M.Bus., MAPPI (Cert.), penilai independen registered in OJK.
yang telah terdaftar pada OJK.
85
Page 560
The original financial statements included herein are in
Indonesian language.
PT BANK VICTORIA INTERNATIONAL Tbk PT BANK VICTORIA INTERNATIONAL Tbk
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
Tanggal 31 Desember 2024 dan untuk As of December 31, 2024 and
Tahun yang Berakhir pada Tanggal tersebut for the Year Ended
(Disajikan dalam ribuan Rupiah, (Expressed in thousands of Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
14. ASET TETAP DAN ASET HAK-GUNA (lanjutan) 14. FIXED ASSETS AND RIGHT-OF-USE ASSETS
(continued)
Revaluasi aset tetap (lanjutan) Fixed asset revaluation (continued)
Metode penilaian yang digunakan adalah Metode Valuation method used is Market Data Approach and
Pendekatan Data Pasar dan Metode Biaya. Data Cost Approach Method. Comparative data to
pembanding untuk menentukan nilai wajar aset determine fair value asset is obtained from data of
diperoleh dari data transaksi jual beli dari aset sale and purchase transactions from comparable
sebanding dengan menyesuaikan perbedaan- assets by adjusting differences between assets
perbedaan antara aset yang dinilai dengan data valued and comparable data. This comparison is also
pembanding. Perbandingan ini juga menyangkut concerns factors such as location, size, shape,
berbagai faktor seperti lokasi, luas, bentuk, characteristics and function based on its time and
karakteristik dan kegunannya berdasarkan unsur intended used.
waktu dan peruntukannya.
Selisih bersih penilaian kembali tanah dan bangunan The net difference in land and building revaluation in
tahun 2024 sebesar Rp649.046, disajikan sebagai 2024 amounted to Rp649,046, recorded as "gain on
“surplus revaluasi aset tetap” pada penghasilan revaluation of fixed asset" in other comprehensive
komprehensif lain sebesar Rp10.825.959 dan income amounted to Rp10,825,959 and as
sebagai “penurunan nilai aset tetap” pada laba rugi “impairment of fixed asset” in profit or loss amounted
sebesar Rp10.176.913 (Catatan 36). to Rp10,176,913 (Note 36).
Pada tanggal 31 Desember 2024, manajemen juga As of December 31, 2024, the Bank’s Management
telah melakukan reklasifikasi atas surplus revaluasi has also reclassified the revaluation surplus to
ke saldo laba - belum ditentukan penggunaannya, retained earnings - unappropriated for disposed land
untuk tanah dan bangunan yang telah dijual sebesar and buildings amounted to Rp74,191,006.
Rp74.191.006.
Pada tanggal 31 Desember 2024 dan 2023 saldo As of December 31, 2024 and 2023, gain on
surplus revaluasi aset tetap masing-masing adalah revaluation of fixed assets amounted to
sebesar Rp316.445.478 dan Rp382.456.152. Rp316,445,478 and Rp382,456,152, respectively.
15. AGUNAN YANG DIAMBIL ALIH 15. FORECLOSED ASSETS
Agunan yang diambil alih untuk penyelesaian Foreclosed assets in settlement of loans are included
pinjaman yang diberikan dicatat dalam akun Agunan in Foreclosed assets (“AYDA”) account. The details
yang Diambil Alih (“AYDA”). Rincian dalam akun ini in the account are as follows:
adalah:
31 Desember/December 31,
2024 2023
Tanah dan bangunan 544.115.286 802.486.682 Land and building
Dikurangi: Less:
Cadangan kerugian Allowance for
penurunan nilai (165.131.092) (251.870.489) impairment losses
378.984.194 550.616.193
Berdasarkan Peraturan Otoritas Jasa Keuangan Based on Financial Service Authority Regulation
(POJK) No. 40/POJK.03/2019 tanggal 19 Desember No. 40/POJK.03/2019 dated December 19, 2019
2019 tentang “Penilaian Kualitas Aktiva Bank Umum”, regarding “Asset Quality Ratings for Commercial
khususnya agunan yang diambil alih, Bank Banks” and particularly on the foreclosed assets, the
diwajibkan untuk melakukan upaya penyelesaian Bank is required to have an action plan for settlement
terhadap agunan yang diambil alih yang dimiliki. of its foreclosed assets.
86
Page 561
The original financial statements included herein are in
Indonesian language.
PT BANK VICTORIA INTERNATIONAL Tbk PT BANK VICTORIA INTERNATIONAL Tbk
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
Tanggal 31 Desember 2024 dan untuk As of December 31, 2024 and
Tahun yang Berakhir pada Tanggal tersebut for the Year Ended
(Disajikan dalam ribuan Rupiah, (Expressed in thousands of Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
15. AGUNAN YANG DIAMBIL ALIH (lanjutan) 15. FORECLOSED ASSETS (continued)
Mutasi nilai agunan yang diambil alih adalah sebagai The changes in foreclosed assets are as follows:
berikut:
31 Desember/December 31,
2024 2023
Saldo awal 802.486.682 1.237.844.890 Beginning balance
Penambahan selama tahun berjalan 72.000.000 - Addition during the year
Pengurangan selama tahun berjalan (330.371.396) (435.358.208) Deduction during the year
Saldo akhir 544.115.286 802.486.682 Ending balance
Mutasi cadangan kerugian penurunan nilai untuk The changes in allowance for impairment losses of
agunan yang diambil alih adalah sebagai berikut: forecosed assets are as follows:
31 Desember/December 31,
2024 2023
Saldo awal 251.870.489 306.834.651 Beginning balance
Penambahan selama tahun berjalan 44.528.554 48.469.233 Addition during the year
Pengurangan selama tahun berjalan (131.267.951) (103.433.395) Deduction during the year
Saldo akhir 165.131.092 251.870.489 Ending balance
Manajemen berpendapat bahwa cadangan kerugian Management believes that the allowance for
penurunan nilai yang telah dibentuk cukup untuk impairment losses is adequate to cover possible
menutup kemungkinan kerugian atas agunan yang losses from foreclosed assets.
diambil alih.
16. ASET TAK BERWUJUD 16. INTANGIBLE ASSETS
31 Desember/ December 31, 2024
Saldo awal/ Saldo akhir/
Beginning Penambahan/ Pengurangan/ Kapitalisasi/ Reklasifikasi/ Ending
balance Additions Deductions Capitalisation Reclassification balance
Biaya Perolehan 23.819.348 5.893.171 - - - 29.712.519 Acquisition Cost
Dikurangi: Akumulasi Less: Accumulated
amortisasi 15.626.535 2.986.566 - - - 18.613.101 amortisation
Nilai buku 8.192.813 11.099.418 Net book value
31 Desember/ December 31, 2023
Saldo awal/ Saldo akhir/
Beginning Penambahan/ Pengurangan/ Kapitalisasi/ Reklasifikasi/ Ending
balance Additions Deductions Capitalisation Reclassification balance
Biaya Perolehan 16.530.098 7.289.250 - - - 23.819.348 Acquisition Cost
Dikurangi: Akumulasi Less: Accumulated
amortisasi 13.998.914 1.627.621 - - - 15.626.535 amortisation
Nilai buku 2.531.184 8.192.813 Net book value
Aset tak berwujud yang dimiliki oleh Bank berupa Intangible assets held by the Bank is application
lisensi aplikasi yang dibeli oleh Bank. license purchased by the Bank.
Amortisasi yang dicatat oleh Bank masing-masing Amortisation recorded by the Bank amounted to
sebesar Rp2.986.566 dan Rp1.627.621 untuk tahun Rp2,986,566 and Rp1,627,621 the years ended
yang berakhir pada tanggal 31 Desember 2024 dan December 31, 2024 and 2023, respectively (Note 33).
2023 (Catatan 33).
Berdasarkan penelaahan manajemen, tidak terdapat Based on the management assessment, there are no
kejadian atau perubahan keadaan yang events or changes in circumstances indicating an
mengindikasikan adanya penurunan nilai aset tak impairment of intangible assets as of December 31,
berwujud pada tanggal 31 Desember 2024 dan 2023. 2024 and 2023.
87
Page 562
The original financial statements included herein are in
Indonesian language.
PT BANK VICTORIA INTERNATIONAL Tbk PT BANK VICTORIA INTERNATIONAL Tbk
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
Tanggal 31 Desember 2024 dan untuk As of December 31, 2024 and
Tahun yang Berakhir pada Tanggal tersebut for the Year Ended
(Disajikan dalam ribuan Rupiah, (Expressed in thousands of Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
17. ASET LAIN-LAIN 17. OTHER ASSETS
31 Desember/December 31,
2024 2023
Uang muka pada pihak ketiga 61.950.360 43.213.258 Advance payment to third parties
Properti terbengkalai 31.148.944 33.794.570 Abandoned property
Uang jaminan 6.661.843 7.949.842 Security deposits
Tagihan pihak ketiga 5.089.644 4.853.701 Receivables from third parties
Lain-lain 77.599.366 14.008.442 Others
182.450.157 103.819.813
Dikurangi: Less:
Cadangan kerugian penurunan nilai (11.336.194) (12.356.770) Allowance for impairment losses
Jumlah 171.113.963 91.463.043 Total
Penilaian kembali atas nilai wajar tanah dan Revaluation on fair value of the Bank’s land and
bangunan yang dimiliki Bank pada 31 Desember building as of December 31, 2024 was performed by
2024 telah dilakukan oleh Kantor Jasa Penilai Publik Kantor Jasa Penilai Publik (“KJPP”) Jimmy Prasetyo
(“KJPP”) Jimmy Prasetyo dan Rekan dengan laporan dan Rekan with valuation report dated January 9,
penilaian tertanggal 9 Januari 2025 atas tanah dan 2025 for land and building included abandoned
bangunan termasuk properti terbengkalai. Laporan property. The valuation report was signed by Audrey
penilaian ditandatangani oleh Audrey Angelina, Angelina, M.Bus., MAPPI (Cert.), independent
M.Bus., MAPPI (Cert.), penilai independen yang appraiser registered in OJK.
telah terdaftar pada OJK.
Selisih penilaian kembali properti terbengkalai The difference in abandoned property revaluation in
tahun 2024 sebesar Rp2.645.626 telah dikreditkan 2024 amounted to Rp2,645,626 was credited to other
pada pendapatan komprehensif lainnya dan comprehensive income and presented as “Gain on
disajikan sebagai “Surplus revaluasi aset tetap” di revaluation of fixed assets” in equity.
ekuitas
Uang jaminan merupakan uang yang disetor sebagai Security deposits represent deposit pledged as
jaminan untuk sewa gedung kantor. guarantee for building rental.
Lain-lain terutama terdiri dari tagihan transaksi valuta Others mainly consists of foreign exchange
asing, tagihan biaya administrasi dan persediaan transaction, administrative expense transaction and
barang promosi. promotion inventories.
Seluruh aset lain-lain pada tanggal 31 Desember All other assets as of December 31, 2024 and 2023
2024 dan 2023 adalah transaksi dengan pihak ketiga. are transactions with third parties.
Mutasi cadangan kerugian penurunan nilai untuk aset The changes in allowance for impairment losses of
lain-lain adalah sebagai berikut: other assets are as follows:
31 Desember/December 31,
2024 2023
Saldo awal 12.356.770 14.323.476 Beginning balance
Pembalikan selama tahun berjalan (1.020.576) (1.966.706) Reversal during the year
Saldo akhir 11.336.194 12.356.770 Ending balance
Manajemen berpendapat bahwa cadangan kerugian Management believes that the allowance for
penurunan nilai yang telah dibentuk cukup untuk impairment losses is adequate to cover possible
menutup kemungkinan kerugian atas aset lain-lain. losses from other assets.
/
\
88
Page 563
The original financial statements included herein are in
Indonesian language.
PT BANK VICTORIA INTERNATIONAL Tbk PT BANK VICTORIA INTERNATIONAL Tbk
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
Tanggal 31 Desember 2024 dan untuk As of December 31, 2024 and
Tahun yang Berakhir pada Tanggal tersebut for the Year Ended
(Disajikan dalam ribuan Rupiah, (Expressed in thousands of Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
18. SIMPANAN NASABAH 18. DEPOSITS FROM CUSTOMERS
Semua simpanan nasabah dalam mata uang Rupiah All deposits from customers in Rupiah and foreign
dan mata uang asing, terdiri dari: currency, consist of:
31 Desember/December 31,
2024 2023
Rupiah Rupiah
Negotiable Certificate Deposit 450.000.000 440.000.000 Negotiable Certificate Deposits
Dikurangi: Less:
Diskonto (19.840.753) (42.800.790) Discount
Beban emisi yang belum diamortisasi (1.357.493) (2.890.637) Unamortised issuance cost
Deposito berjangka 15.908.972.247 16.044.264.144 Time deposits
Tabungan 3.286.885.846 2.881.781.337 Savings deposits
Giro 2.845.040.277 2.417.884.361 Demand deposits
Sub jumlah 22.469.700.124 21.738.238.415 Sub total
Mata uang asing Foreign currency
Deposito berjangka 792.560.467 624.320.546 Time deposits
Giro 69.850.909 66.621.531 Demand deposits
Sub jumlah 862.411.376 690.942.077 Sub total
Jumlah 23.332.111.500 22.429.180.492 Total
Simpanan nasabah dalam mata uang asing adalah All deposits from customers in foreign currency are
Dolar Amerika Serikat, Dolar Singapura, Euro Eropa, denominated in United States Dollar, Singapore
dan Yen Jepang. Dollar, European Euro, and Japanese Yen.
a. Giro a. Demand Deposits
(i) Berdasarkan pihak lawan (i) By counterparties
31 Desember/December 31,
2024 2023
Pihak berelasi (Catatan 39) 209.682.617 652.841.415 Related parties (Note 39)
Pihak ketiga 2.705.208.569 1.831.664.477 Third parties
Jumlah 2.914.891.186 2.484.505.892 Total
(ii) Berdasarkan mata uang (ii) By currency
31 Desember/December 31,
2024 2023
Rupiah 2.845.040.277 2.417.884.361 Rupiah
Dolar Amerika Serikat 63.854.041 60.590.713 United States Dollar
Yen Jepang 3.652.877 2.576.994 Japanese Yen
Euro Eropa 1.623.030 1.551.542 European Euro
Dolar Singapura 720.961 1.902.282 Singapore Dollar
Jumlah 2.914.891.186 2.484.505.892 Total
Giro yang dijadikan sebagai jaminan tunai atas Demand deposits amounting to Rp680,735,509
pinjaman yang diberikan pada tanggal and Rp330,646,300 pledged as collateral or
31 Desember 2024 dan 2023 masing-masing blocked as of December 31, 2024 and 2023,
sebesar Rp680.735.509 dan Rp330.646.300 respectively (Note 11).
(Catatan 11).
89
Page 564
The original financial statements included herein are in
Indonesian language.
PT BANK VICTORIA INTERNATIONAL Tbk PT BANK VICTORIA INTERNATIONAL Tbk
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
Tanggal 31 Desember 2024 dan untuk As of December 31, 2024 and
Tahun yang Berakhir pada Tanggal tersebut for the Year Ended
(Disajikan dalam ribuan Rupiah, (Expressed in thousands of Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
18. SIMPANAN NASABAH (lanjutan) 18. DEPOSITS FROM CUSTOMERS (continued)
b. Tabungan b. Savings deposits
Berdasarkan pihak lawan By counterparties
31 Desember/December 31,
2024 2023
Rupiah Rupiah
Pihak berelasi (Catatan 39) 33.955.891 27.996.913 Related parties (Note 39)
Pihak ketiga 3.252.929.955 2.853.784.424 Third parties
Jumlah 3.286.885.846 2.881.781.337 Total
Tabungan yang dijadikan sebagai jaminan tunai Saving deposits amounting to Rp133,150,000
atas pinjaman yang diberikan pada tanggal and Rp149,150,000 pledged as collateral or
31 Desember 2024 dan 2023 masing-masing blocked as of December 31, 2024 and 2023,
sebesar Rp133.150.000 dan Rp149.150.000 respectively (Note 11).
(Catatan 11).
c. Deposito berjangka c. Time deposits
(i) Berdasarkan pihak lawan (i) By counterparties
31 Desember/December 31,
2024 2023
Pihak berelasi (Catatan 39) 323.392.414 618.884.872 Related parties (Note 39)
Pihak ketiga 16.378.140.300 16.049.699.818 Third parties
Jumlah 16.701.532.714 16.668.584.690 Total
(ii) Berdasarkan mata uang (ii) By currency
31 Desember/December 31,
2024 2023
Rupiah 15.908.972.247 16.044.264.144 Rupiah
Dolar Amerika Serikat 792.560.467 624.320.546 United States Dollar
Jumlah 16.701.532.714 16.668.584.690 Total
(iii) Berdasarkan periode (iii) By period
31 Desember/December 31,
2024 2023
1 bulan 6.738.282.288 7.144.058.086 1 month
3 bulan 5.460.370.322 4.512.705.040 3 months
6 bulan 3.093.120.546 3.608.059.929 6 months
12 bulan 1.409.759.558 1.403.761.635 12 months
Jumlah 16.701.532.714 16.668.584.690 Total
90
Page 565
The original financial statements included herein are in
Indonesian language.
PT BANK VICTORIA INTERNATIONAL Tbk PT BANK VICTORIA INTERNATIONAL Tbk
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
Tanggal 31 Desember 2024 dan untuk As of December 31, 2024 and
Tahun yang Berakhir pada Tanggal tersebut for the Year Ended
(Disajikan dalam ribuan Rupiah, (Expressed in thousands of Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
18. SIMPANAN NASABAH (lanjutan) 18. DEPOSITS FROM CUSTOMERS (continued)
c. Deposito berjangka (lanjutan) c. Time deposits (continued)
(iv) Berdasarkan sisa umur sampai dengan (iv) By remaining period until maturity
jatuh tempo
31 Desember/December 31,
2024 2023
Kurang dari 1 bulan 8.877.238.912 8.757.247.243 Less than 1 month
1 sampai dengan 3 bulan 4.957.707.565 4.371.648.337 1 up to 3 months
3 sampai dengan 6 bulan 2.105.498.658 2.680.083.163 3 up to 6 months
6 sampai dengan 12 bulan 761.087.579 859.605.947 6 up to 12 months
Jumlah 16.701.532.714 16.668.584.690 Total
Deposito berjangka yang dijadikan Time deposits which are pledged as
sebagai jaminan tunai atas pinjaman yang collateral on loans as of December 31, 2024 and
diberikan pada tanggal 31 Desember 2024 dan 2023 amounted to Rp1,116,894,988 and
2023 masing-masing adalah sebesar Rp1,719,715,512 respectively (Note 11).
Rp1.116.894.988 dan Rp1.719.715.512
(Catatan 11).
Informasi mengenai tingkat suku bunga Informations respect to interest rate are
diungkapkan pada Catatan 44. disclosed in Note 44.
d. Negotiable Certificate Deposits d. Negotiable Certificate Deposits
31 Desember/December 31,
2024 2023
Pihak berelasi (Catatan 39) Related parties (Note 39)
Negotiable Certificate Deposit 109.900.000 110.400.000 Negotiable Certificate Deposits
Dikurangi: Less:
Diskonto (4.657.140) (11.427.886) Discount
Beban emisi yang
belum diamortisasi (323.343) (725.287) Unamortised issuance cost
Sub jumlah 104.919.517 98.246.827 Sub total
Pihak ketiga Third parties
Negotiable Certificate Deposit 340.100.000 329.600.000 Negotiable Certificate Deposits
Dikurangi: Less:
Diskonto (15.183.613) (31.372.904) Discount
Beban emisi yang
belum diamortisasi (1.034.150) (2.165.350) Unamortised issuance cost
Sub jumlah 323.882.237 296.061.746 Sub total
Jumlah 428.801.754 394.308.573 Total
Bank melakukan penerbitan Negotiable The Bank issues a Negotiable Certificate of
Certificate of Deposit (NCD) pada tanggal Deposit (NCD) on September 5, 2023, amounting
5 September 2023 sebesar Rp440.000.000 yang to Rp440,000,000 which is divided into two series,
terbagi dua seri, yaitu seri A dengan nilai sebesar namely series A with a value of Rp50,000,000
Rp50.000.000 dengan suku bunga 6,5% dan with an interest rate of 6.5% and due on
jatuh tempo pada tanggal 5 September 2024 dan September 5, 2024 and series B with a value of
seri B dengan nilai sebesar Rp390.000.000 Rp390,000,000 with an interest rate of 7% and
dengan suku bunga 7% dan jatuh tempo pada due on September 5, 2025.
tanggal 5 September 2025.
91
Page 566
The original financial statements included herein are in
Indonesian language.
PT BANK VICTORIA INTERNATIONAL Tbk PT BANK VICTORIA INTERNATIONAL Tbk
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
Tanggal 31 Desember 2024 dan untuk As of December 31, 2024 and
Tahun yang Berakhir pada Tanggal tersebut for the Year Ended
(Disajikan dalam ribuan Rupiah, (Expressed in thousands of Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
18. SIMPANAN NASABAH (lanjutan) 18. DEPOSITS FROM CUSTOMERS (continued)
d. Negotiable Certificate Deposits (lanjutan) d. Negotiable Certificate Deposits (continued)
Bank melakukan penerbitan Negotiable The bank issues a Negotiable Certificate of
Certificate of Deposit (NCD) pada tanggal Deposit (NCD) on April 3, 2024, amounting to
3 April 2024 sebesar Rp110.000.000 yang Rp110,000,000 which is divided into two series,
terbagi dua seri, yaitu seri A dengan nilai namely series A with a value of Rp70,000,000 with
sebesar Rp70.000.000 dengan suku bunga an interest rate of 6.5% and due on April 3, 2025
6,5% dan jatuh tempo pada tanggal 3 April 2025 and series B with a value of Rp40,000,000 with an
dan seri B dengan nilai sebesar Rp40.000.000 interest rate of 7% and due on April 3, 2026.
dengan suku bunga 7% dan jatuh tempo pada
tanggal 3 April 2026.
Negotiable Certificate of Deposit (NCD) yang Negotiable Certificate of Deposit (NCD) which
dijadikan sebagai jaminan tunai atas pinjaman are pledged as collateral on loans as of
yang diberikan pada tanggal 31 Desember 2024 December 31, 2024 and 2023 amounted to
dan 2023 masing-masing sebesar Rp131,000,000 and Rp116,900,000 respectively
Rp131.000.000 dan Rp116.900.000 (Note 11).
(Catatan 11).
19. SIMPANAN DARI BANK LAIN 19. DEPOSITS FROM OTHER BANKS
Semua simpanan dari bank lain adalah dalam mata All deposits from other banks are denominated in
uang Rupiah dan terdiri dari: Rupiah and consist of:
31 Desember/December 31,
2024 2023
Giro 210.458.618 219.401.707 Demand deposits
Call money 205.000.000 792.000.000 Call money
Deposito berjangka 72.552.541 49.531.350 Time deposits
Negotiable certificate Deposits 50.000.000 - Negotiable certificate Deposits
Dikurangi: Less:
Diskonto (820.857) - Discount
Beban emisi yang belum diamortisasi (180.601) - Unamortised issuance cost
Tabungan 49.008.271 41.963.642 Savings deposits
Deposito on call 5.000.000 1.906.660 Deposits on call
Jumlah 591.017.972 1.104.803.359 Total
a. Call money a. Call money
(i) Berdasarkan pihak lawan (i) By counterparties
31 Desember/December 31,
2024 2023
Pihak ketiga Third parties
PT Bank Pembangunan Daerah PT Bank Pembangunan Daerah
Daerah Istimewa Yogyakarta 75.000.000 150.000.000 Daerah Istimewa Yogyakarta
PT Bank Sinarmas Tbk 50.000.000 - PT Bank Sinarmas Tbk
PT Bank Pembangunan Daerah PT Bank Pembangunan Daerah
Jawa Tengah Tbk 50.000.000 - Jawa Tengah Tbk
PT Bank Multiarta Sentosa Tbk 30.000.000 - PT Bank Multiarta Sentosa Tbk
PT Bank Pembangunan Daerah PT Bank Pembangunan Daerah
Kalimantan Timur dan Kalimantan Timur dan
Kalimantan Utara - 200.000.000 Kalimantan Utara
PT Bank Pembangunan Daerah PT Bank Pembangunan Daerah
Sulawesi Tengah - 220.000.000 Sulawesi Tengah
PT Bank Ina Perdana Tbk - 100.000.000 PT Bank Ina Perdana Tbk
PT Bank Pembangunan Daerah PT Bank Pembangunan Daerah
Jawa Timur Tbk - 22.000.000 Jawa Timur Tbk
PT Bank Pembangunan Daerah PT Bank Pembangunan Daerah
Maluku dan Maluku Utara - 100.000.000 Maluku dan Maluku Utara
Jumlah 205.000.000 792.000.000 Total
92
Page 567
The original financial statements included herein are in
Indonesian language.
PT BANK VICTORIA INTERNATIONAL Tbk PT BANK VICTORIA INTERNATIONAL Tbk
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
Tanggal 31 Desember 2024 dan untuk As of December 31, 2024 and
Tahun yang Berakhir pada Tanggal tersebut for the Year Ended
(Disajikan dalam ribuan Rupiah, (Expressed in thousands of Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
19. SIMPANAN DARI BANK LAIN (lanjutan) 19. DEPOSITS FROM OTHER BANKS (continued)
a. Call money (lanjutan) a. Call money (continued)
(ii) Berdasarkan periode (ii) By period
31 Desember/December 31,
2024 2023
Kurang dari 1 bulan 205.000.000 792.000.000 Less than 1 month
Jumlah 205.000.000 792.000.000 Total
b. Deposito berjangka b. Time deposits
(i) Berdasarkan pihak lawan (i) By counterparties
31 Desember/December 31,
2024 2023
Pihak ketiga 72.552.541 49.531.350 Third parties
Pada tanggal 31 Desember 2024 dan 2023, As of December 31, 2024 and 2023 there
tidak terdapat saldo deposito dari pihak are no deposits account from related
berelasi. parties.
(ii) Berdasarkan periode (ii) By period
31 Desember/December 31,
2024 2023
1 bulan 26.552.541 22.031.350 1 month
3 bulan 29.500.000 24.500.000 3 months
6 bulan 3.000.000 - 6 months
12 bulan 13.500.000 3.000.000 12 months
Jumlah 72.552.541 49.531.350 Total
(iii) Berdasarkan sisa umur sampai dengan (iii) By remaining period until maturity
jatuh tempo
31 Desember/December 31,
2024 2023
Kurang dari 1 bulan 27.552.541 22.031.350 Less than 1 month
1 sampai dengan 3 bulan 28.500.000 24.500.000 1 up to 3 months
3 sampai dengan 6 bulan 8.000.000 2.000.000 3 up to 6 months
6 sampai dengan 12 bulan 8.500.000 1.000.000 6 up to 12 months
Jumlah 72.552.541 49.531.350 Total
93
Page 568
The original financial statements included herein are in
Indonesian language.
PT BANK VICTORIA INTERNATIONAL Tbk PT BANK VICTORIA INTERNATIONAL Tbk
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
Tanggal 31 Desember 2024 dan untuk As of December 31, 2024 and
Tahun yang Berakhir pada Tanggal tersebut for the Year Ended
(Disajikan dalam ribuan Rupiah, (Expressed in thousands of Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
19. SIMPANAN DARI BANK LAIN (lanjutan) 19. DEPOSITS FROM OTHER BANKS (continued)
c. Giro c. Demand deposits
Berdasarkan pihak lawan By counterparties
31 Desember/December 31,
2024 2023
Pihak berelasi (Catatan 39) 532.305 478.732 Related parties (Note 39)
Pihak ketiga 209.926.313 218.922.975 Third parties
Jumlah 210.458.618 219.401.707 Total
Informasi mengenai tingkat suku bunga Informations in respect to interest rates are
diungkapkan pada Catatan 44. disclosed in Note 44.
d. Tabungan d. Saving deposits
Berdasarkan pihak lawan By counterparties
31 Desember/December 31,
2024 2023
Pihak ketiga 49.008.271 41.963.642 Third parties
Pada tanggal 31 Desember 2024 dan 2023, tidak As of December 31, 2024 and 2023 there are no
terdapat saldo tabungan dari pihak berelasi. saving deposits from related parties.
Informasi mengenai tingkat suku bunga Informations in respect to interest rates are
diungkapkan pada Catatan 44. disclosed in Note 44.
e. Deposito on call e. Deposits on call
Berdasarkan pihak lawan By counterparties
31 Desember/December 31,
2024 2023
Pihak ketiga 5.000.000 1.906.660 Third parties
Pada tanggal 31 Desember 2024 dan 2023, tidak As of December 31, 2024 and 2023 there are no
terdapat saldo deposito on call dari pihak deposits on call from related parties.
berelasi.
Informasi mengenai tingkat suku bunga Informations in respect to interest rates are
diungkapkan pada Catatan 44. disclosed in Note 44.
94
Page 569
The original financial statements included herein are in
Indonesian language.
PT BANK VICTORIA INTERNATIONAL Tbk PT BANK VICTORIA INTERNATIONAL Tbk
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
Tanggal 31 Desember 2024 dan untuk As of December 31, 2024 and
Tahun yang Berakhir pada Tanggal tersebut for the Year Ended
(Disajikan dalam ribuan Rupiah, (Expressed in thousands of Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
19. SIMPANAN DARI BANK LAIN (lanjutan) 19. DEPOSITS FROM OTHER BANKS (continued)
f. Negotiable Certificate Deposits f. Negotiable Certificate Deposits
Berdasarkan pihak lawan By counterparties
31 Desember/December 31,
2024 2023
Pihak ketiga Third parties
Negotiable Certificate Deposit 50.000.000 - Negotiable Certificate Deposits
Dikurangi : Less:
Diskonto (820.857) - Discount
Beban emisi yang
belum diamortisasi (180.601) - Unamortised issuance cost
Jumlah 48.998.542 - Total
Pada tanggal 31 Desember 2024 dan 2023, tidak As of December 31, 2024 and 2023 there are no
terdapat saldo Negotiable Certificate Deposits Negotiable Certificate Deposits (NCD) from
(NCD) dari pihak berelasi. related parties.
Informasi mengenai tingkat suku bunga Informations in respect to interest rates are
diungkapkan pada Catatan 44. disclosed in Note 44.
20. EFEK-EFEK YANG DIJUAL DENGAN JANJI DIBELI 20. SECURITIES SOLD UNDER REPURCHASED
KEMBALI AGREEMENTS
Efek-efek yang dijual dengan janji dibeli kembali pada The securities sold under repurchased agreements as
tanggal 31 Desember 2024 dan 2023 adalah sebagai of December 31, 2024 and 2023 are as follows:
berikut:
31 Desember / December 31, 2024
Tanggal
Jenis efek/ Nilai Nominal/ Tingkat suku dimulai/ Tanggal jatuh Nilai tercatat/
Pihak lawan/ Type of Notional bunga/ Commencement tempo/ Carrying
Counterparty Securities amount Interest rate date Maturity date amount
4 Desember/ 2 Januari/
Bank BRI FR0059 100.000.000 6,55% December 2024 January 2025 95.919.400
4 Desember/ 2 Januari/
Bank BRI FR0059 100.000.000 6,55% December 2024 January 2025 95.919.400
9 Desember/ 6 Januari/
Bank BRI FR0081 100.000.000 6,55% December 2024 January 2025 101.024.400
9 Desember/ 6 Januari/
Bank BRI FR0081 100.000.000 6,55% December 2024 January 2025 101.024.400
10 Desember/ 7 Januari/
Bank BRI FR0059 100.000.000 6,55% December 2024 January 2025 95.718.400
20 Desember/ 20 Januari/
Bank BNI FR0081 100.000.000 6,65% December 2024 January 2025 97.869.014
Jumlah/Total 600.000.000 587.475.014
31 Desember / December 31, 2023
Tanggal
Jenis efek/ Nilai Nominal/ Tingkat suku dimulai/ Tanggal jatuh Nilai tercatat/
Pihak lawan/ Type of Notional bunga/ Commencement tempo/ Carrying
Counterparty Securities amount Interest rate date Maturity date amount
20 Desember/ 3 Januari/
Bank Mega FR0070 250.000.000 6,35% December 2023 January 2024 251.618.623
20 Desember/ 3 Januari/
Bank Mega FR0077 250.000.000 6,35% December 2023 January 2024 248.598.483
29 Desember/ 3 Januari/
Bank Ina Perdana FR0081 100.000.000 6,25% December 2023 January 2024 95.366.417
29 Desember/ 3 Januari/
Bank Ina Perdana FR0081 50.000.000 6,25% December 2023 January 2024 47.683.207
Jumlah/Total 650.000.000 643.266.730
95
Page 570
The original financial statements included herein are in
Indonesian language.
PT BANK VICTORIA INTERNATIONAL Tbk PT BANK VICTORIA INTERNATIONAL Tbk
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
Tanggal 31 Desember 2024 dan untuk As of December 31, 2024 and
Tahun yang Berakhir pada Tanggal tersebut for the Year Ended
(Disajikan dalam ribuan Rupiah, (Expressed in thousands of Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
21. EFEK-EFEK YANG DITERBITKAN 21. SECURITIES ISSUED
31 Desember/December 31,
2024 2023
Obligasi Subordinasi Berkelanjutan I Bank Victoria Subordinated
Bank Victoria Tahap I Tahun 2017 - 50.000.000 Bonds I Phase I Year 2017
Obligasi Subordinasi Berkelanjutan I Bank Victoria Subordinated
Bank Victoria Tahap II Tahun 2018 350.000.000 350.000.000 Bonds I Phase II Year 2018
Obligasi Subordinasi Berkelanjutan II Bank Victoria Subordinated
Bank Victoria Tahap I Tahun 2019 250.000.000 250.000.000 Bonds II Phase I Year 2019
Obligasi Subordinasi Berkelanjutan II Bank Victoria Subordinated
Bank Victoria Tahap II Tahun 2019 150.000.000 150.000.000 Bonds II Phase II Year 2019
Obligasi Subordinasi Berkelanjutan II Bank Victoria Subordinated
Bank Victoria Tahap III Tahun 2020 60.000.000 60.000.000 Bonds II Phase III Year 2020
Obligasi Berkelanjutan III Bank Victoria Continuing
Bank Victoria Tahap I Tahun 2023 Seri A 300.000.000 300.000.000 Bonds III Phase I Year 2023 Series A
Obligasi Berkelanjutan III Bank Victoria Continuing
Bank Victoria Tahap I Tahun 2023 Seri B 200.000.000 200.000.000 Bonds III Phase I Year 2023 Series B
Obligasi Subordinasi Berkelanjutan III Bank Victoria Subordinated
Bank Victoria Tahap I Tahun 2024 500.000.000 - Bonds III Phase I Year 2024
Obligasi Berkelanjutan III Bank Victoria Continuing
Bank Victoria Tahap II Tahun 2024 500.000.000 - Bonds III Phase II Year 2024
Jumlah 2.310.000.000 1.360.000.000 Total
Dikurangi: Biaya emisi yang Less: Unamortised
belum diamortisasi (20.587.351) (12.360.472) issuance cost
Jumlah - bersih 2.289.412.649 1.347.639.528 Total - net
Berdasarkan pihak lawan By counterparties
31 Desember/December 31,
2024 2023
Pihak berelasi (Catatan 39) 147.885.000 92.730.000 Related parties (Note 39)
Pihak ketiga 2.162.115.000 1.267.270.000 Third parties
Jumlah 2.310.000.000 1.360.000.000 Total
Dikurangi: Biaya emisi yang Less: Unamortised
belum diamortisasi (20.587.351) (12.360.472) issuance cost
Jumlah - bersih 2.289.412.649 1.347.639.528 Total - net
96
Page 571
The original financial statements included herein are in
Indonesian language.
PT BANK VICTORIA INTERNATIONAL Tbk PT BANK VICTORIA INTERNATIONAL Tbk
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
Tanggal 31 Desember 2024 dan untuk As of December 31, 2024 and
Tahun yang Berakhir pada Tanggal tersebut for the Year Ended
(Disajikan dalam ribuan Rupiah, (Expressed in thousands of Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
21. EFEK-EFEK YANG DITERBITKAN (lanjutan) 21. SECURITIES ISSUED (continued)
Obligasi Subordinasi Berkelanjutan III Bank Victoria Bank Victoria Subordinated Bonds III Phase I Year
Tahap I Tahun 2024 2024
Pada tanggal 12 Juli 2024 Bank menerbitkan Obligasi On July 12, 2024, the Bank issued Bank Victoria
Subordinasi Berkelanjutan III Bank Victoria Tahap I Subordinated Bonds III Phase I Year 2024 with a
Tahun 2024 dengan jumlah pokok sebanyak- principal amount up to Rp500,000,000.
banyaknya sebesar Rp500.000.000.
Obligasi Subordinasi Berkelanjutan III Bank Victoria Bank Victoria Subordinated Bonds III Phase I Year
Tahap I Tahun 2024 memiliki tingkat suku bunga 2024 has fixed rate of 10.75% per annum, and the
tetap sebesar 10,75% per tahun yang akan interest will be paid every 3 (three) months starting
dibayarkan setiap 3 (tiga) bulan. Pembayaran bunga from October 12, 2024 for the first payment whereas
Obligasi Subordinasi pertama dilakukan pada tanggal the last payment will be on July 12, 2029 at the
12 Oktober 2024, sedangkan pembayaran bunga maturity date of the Bond.
Obligasi Subordinasi terakhir akan dilakukan pada
tanggal jatuh tempo Obligasi Subordinasi yaitu pada
tanggal 12 Juli 2029.
Berdasarkan hasil pemeringkatan surat utang jangka Based on the results of the rating for long-term debt
panjang sesuai dengan surat PT Pemeringkat Efek securities in accordance with PT Pemeringkat Efek
Indonesia (Pefindo) No.RC-368/PEF-DIR/IV/2024 Indonesia (Pefindo) letter No.RC-368/PEF-
tanggal 2 April 2024 perihal Sertifikat Obligasi DIR/IV/2024 dated April 2, 2024 regarding a Rating
Subordinasi Berkelanjutan III PT Bank Victoria Certificate for Continuous Subordinated Bond III of
International Tbk periode 2 April 2024 sampai dengan PT Bank Victoria International Tbk from April 2, 2024
1 April 2025, hasil pemeringkatan Obligasi to April 1, 2025, the rating results of the Subordinated
Subordinasi adalah idBBB. Bonds are idBBB.
Obligasi Berkelanjutan III Bank Victoria Tahap II Bank Victoria Continuing Bonds III Phase II Year
Tahun 2024 2024
Pada tanggal 12 Juli 2024 Bank menerbitkan Obligasi On July 12, 2024, the Bank issued Bank Victoria
Berkelanjutan III Bank Victoria Tahap II Tahun 2024 Continuing Bonds III Phase II Year 2024 with
dengan jumlah pokok sebanyak-banyaknya sebesar a principal amount up to Rp500,000,000.
Rp500.000.000.
Obligasi Berkelanjutan III Bank Victoria Tahap II Bank Victoria Continuing Bonds III Phase II Year
Tahun 2024 memiliki tingkat suku bunga tetap 2024 has fixed rate of 9.50% per annum, and the
sebesar 9,50% per tahun yang akan dibayarkan interest will be paid every 3 (three) months starting
setiap 3 (tiga) bulan. Pembayaran bunga Obligasi from October 12, 2024 for the first payment whereas
pertama dilakukan pada tanggal 12 Oktober 2024, the last payment will be on July 12, 2027 at the
sedangkan pembayaran bunga Obligasi terakhir akan maturity date of the Bond.
dilakukan pada tanggal jatuh tempo Obligasi yaitu
pada tanggal 12 Juli 2027.
Berdasarkan hasil pemeringkatan surat utang jangka Based on the results of the rating for long-term debt
panjang sesuai dengan surat PT Pemeringkat Efek securities in accordance with PT Pemeringkat Efek
Indonesia (Pefindo) No.RC-368/PEF-DIR/IV/2024 Indonesia (Pefindo) letter No.RC-368/PEF-
tanggal 2 April 2024 perihal Sertifikat Obligasi DIR/IV/2024 dated April 2, 2024 regarding a Rating
Subordinasi Berkelanjutan III PT Bank Victoria Certificate for Continuous Subordinated Bond III of
International Tbk periode 2 April 2024 sampai dengan PT Bank Victoria International Tbk from April 2, 2024
1 April 2025, hasil pemeringkatan Obligasi adalah to April 1, 2025, the rating results of the Bonds are
idA-. idA-.
97
Page 572
The original financial statements included herein are in
Indonesian language.
PT BANK VICTORIA INTERNATIONAL Tbk PT BANK VICTORIA INTERNATIONAL Tbk
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
Tanggal 31 Desember 2024 dan untuk As of December 31, 2024 and
Tahun yang Berakhir pada Tanggal tersebut for the Year Ended
(Disajikan dalam ribuan Rupiah, (Expressed in thousands of Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
21. EFEK-EFEK YANG DITERBITKAN (lanjutan) 21. SECURITIES ISSUED (continued)
Obligasi Berkelanjutan III Bank Victoria Tahap II Bank Victoria Continuing Bonds III Phase II Year
Tahun 2024 (lanjutan) 2024 (continued)
Selaku Wali Amanat dari penerbitan obligasi ini The Trustee of the bond issuance is PT Bank Mega
adalah PT Bank Mega Tbk. Tbk.
Tidak terdapat pelanggaran atas pembatasan There was no violation to the covenant of bonds and
perjanjian perwaliamanatan obligasi dan obligasi subordinated bonds trusteeship agreement as of
subordinasi pada tanggal 31 Desember 2024. December 31, 2024.
Obligasi Berkelanjutan III Bank Victoria Tahap I Bank Victoria Continuing Bonds III Phase I Year 2023
Tahun 2023
Pada tanggal 10 Maret 2023, Bank menerbitkan On March 10, 2023, the Bank issued Bank Victoria
Obligasi Berkelanjutan III Bank Victoria Tahap I Continuing Bonds III Phase I Year 2023 amounting to
Tahun 2023 sebesar Rp500.000.000. Rp500,000,000.
Obligasi Berkelanjutan III Bank Victoria Tahap I Bank Victoria Continuing Bonds III Phase I Year 2023
Tahun 2023 terdiri dari 2 (dua) seri Obligasi, yaitu consists of 2 (two) series of Bonds:
sebagai berikut:
· Seri A dengan jumlah Pokok Obligasi sebesar · Series A amounted to Rp300,000,000 with fixed
Rp300.000.000 dengan tingkat suku bunga tetap rate of 9.25% per annum, tenor 3 (three) years
sebesar 9,25% per tahun, berjangka waktu 3 since Emission Date.
(tiga) tahun sejak Tanggal Emisi.
· Seri B dengan jumlah Pokok Obligasi sebesar · Series B amounted to Rp200,000,000 with fixed
Rp200.000.000 dengan tingkat bunga tetap rate of 10.25% per annum, tenor 5 (five) years
sebesar 10,25% per tahun, berjangka waktu since Emission Date.
5 (lima) tahun sejak Tanggal Emisi.
Bunga obligasi dibayarkan setiap 3 (tiga) bulan sekali. Interest of the bond paid every 3 (three) months
Pembayaran bunga obligasi pertama dilakukan pada starting from June 9, 2023 for the first payment
tanggal 9 Juni 2023 sedangkan pembayaran bunga whereas the last payment will be at the maturity date
Obligasi terakhir akan dilakukan pada tanggal jatuh of each Bonds, which on March 9, 2026 for Bonds
tempo masing-masing seri Obligasi yaitu pada Series A and on March 9, 2028 for Bonds Series B.
tanggal 9 Maret 2026 untuk Obligasi Seri A dan 9
Maret 2028 untuk Obligasi Seri B.
Berdasarkan pemeringkatan yang dilaksanakan Based on the ranking carried out by
oleh Pefindo sesuai dengan Surat Pefindo in accordance with Letter
No.RC-1230/PEF-DIR/XII/2022 tanggal 26 No.RC-1230/PEF-DIR/XII/2022 dated December 26,
Desember 2022 tentang Sertifikat Pemeringkatan 2022, regarding the Rating Certificate for the third
atas Obligasi Berkelanjutan III Bank Victoria Tahun phase of Bank Victoria Continuing Bonds Year 2023,
2023 periode 26 Desember 2022 sampai dengan 1 for the period of December 26, 2022, to December 1,
Desember 2023, hasil pemeringkatan atas Obligasi 2023, the result of the ranking for the first phase of
Berkelanjutan III Bank Victoria Tahap I Tahun 2023 Bank Victoria Continuing Bonds III for 2023 is idA-.
adalah idA-.
Pada tanggal 31 Desember 2024 dan 2023, peringkat As of December 31, 2024 and 2023, the rating of the
Obligasi Berkelanjutan III Bank Victoria Tahap I Bank Victoria Continuing Bonds III Phase I Year 2023
Tahun 2023 menurut Pefindo adalah idA-. based on Pefindo was idA-.
Obligasi dan obligasi subordinasi tersebut di atas The above bonds and subordinated bonds are
tidak dijamin dengan suatu agunan khusus dan tidak unsecured by a specific collateral and by third parties
dijamin oleh pihak ketiga manapun dan tidak and are excluded from the Government Guarantee to
termasuk dalam Program Jaminan Pemerintah Certain Liabilities of Commercial Banks Program.
Terhadap Liabilitas Pembayaran Bank Umum.
98
Page 573
The original financial statements included herein are in
Indonesian language.
PT BANK VICTORIA INTERNATIONAL Tbk PT BANK VICTORIA INTERNATIONAL Tbk
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
Tanggal 31 Desember 2024 dan untuk As of December 31, 2024 and
Tahun yang Berakhir pada Tanggal tersebut for the Year Ended
(Disajikan dalam ribuan Rupiah, (Expressed in thousands of Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
21. EFEK-EFEK YANG DITERBITKAN (lanjutan) 21. SECURITIES ISSUED (continued)
Obligasi Berkelanjutan III Bank Victoria Tahap I Bank Victoria Continuing Bonds III Phase I Year 2023
Tahun 2023 (lanjutan) (continued)
Selaku Wali Amanat dari penerbitan obligasi ini The Trustee of the bond issuance is PT Bank Mega
adalah PT Bank Mega Tbk. Tbk.
Tidak terdapat pelanggaran atas pembatasan There was no violation to the covenant of bonds and
perjanjian perwaliamanatan obligasi dan obligasi subordinated bonds trusteeship agreement as of
subordinasi pada tanggal 31 Desember 2024 dan December 31, 2024 and 2023.
2023.
Obligasi Subordinasi Berkelanjutan II Bank Victoria Bank Victoria Subordinated Bonds II Phase III Year
Tahap III Tahun 2020 2020
Pada tanggal 13 Maret 2020 Bank menerbitkan On March 13, 2020, the Bank issued Bank Victoria
Obligasi Subordinasi Berkelanjutan II Bank Victoria Subordinated Bonds II Phase III Year 2020 with
Tahap III Tahun 2020 dengan jumlah pokok a principal amount up to Rp60,000,000.
sebanyak-banyaknya sebesar Rp60.000.000.
Obligasi Subordinasi Berkelanjutan II Bank Victoria Bank Victoria Subordinated Bonds II Phase III Year
Tahap III Tahun 2020 memiliki tingkat suku bunga 2020 has fixed rate of 11.25% per annum, and the
tetap sebesar 11,25% per tahun yang akan interest will be paid every 3 (three) months starting
dibayarkan setiap 3 (tiga) bulan. Pembayaran bunga from July 1, 2020 for the first payment whereas the
Obligasi Subordinasi pertama dilakukan pada tanggal last payment will be on April 1, 2027, at the maturity
1 Juli 2020, sedangkan pembayaran bunga Obligasi date of the Bond.
Subordinasi terakhir akan dilakukan pada tanggal
jatuh tempo Obligasi Subordinasi yaitu pada tanggal
1 April 2027.
Berdasarkan hasil pemeringkatan surat utang jangka Based on the results of the rating for long-term debt
panjang sesuai dengan surat PT Pemeringkat Efek securities in accordance with PT Pemeringkat Efek
Indonesia (Pefindo) No. RC-329/PEF-DIR/IV/2019 Indonesia (Pefindo) letter No. RC-329/PEF-
tanggal 4 April 2019 tentang Sertifikat Pemeringkatan DIR/IV/2019 dated April 4, 2019 regarding a Rating
Obligasi Subordinasi Berkelanjutan II dari PT Bank Certificate for Continuous Subordinated Bond II of
Victoria International Tbk sejak 4 April 2019 sampai PT Bank Victoria International Tbk from April 4, 2019
dengan 1 April 2020, serta konfirmasi sesuai dengan to April 1, 2020, as well as the confirmation according
surat Pefindo No. RTG-020/PEF-DIR/II/2020 tanggal to Pefindo letter No. RTG-020/PEF-DIR/II/2020 dated
4 Februari 2020 perihal Sertifikat Pemeringkatan February 4, 2020 regarding the Rating Certificate for
Obligasi Subordinasi Berkelanjutan II Tahap III yang Continuous Subordinated Bonds II Phase III issued
diterbitkan melalui rencana Penawaran Umum through the PUB Continuous Public Offering plan, the
Berkelanjutan PUB, hasil pemeringkatan Obligasi rating results of the Subordinated Bonds are idBBB.
Subordinasi adalah idBBB.
Pada tanggal 31 Desember 2024 dan 2023, peringkat As of December 31, 2024 and 2023, the rating of the
Obligasi Subordinasi Berkelanjutan II Bank Victoria Bank Victoria Subordinated Bonds II Phase III Year
Tahap III Tahun 2020 menurut Pefindo adalah idBBB. 2020 based on Pefindo was idBBB.
Obligasi subordinasi di atas tidak dijamin dengan The subordinated bonds is unsecured by a specific
suatu agunan khusus dan tidak dijamin oleh pihak collateral and by third parties and are excluded from
ketiga manapun dan tidak termasuk dalam Program the Government Guarantee to Certain Liabilities of
Jaminan Pemerintah Terhadap Liabilitas Commercial Banks Program.
Pembayaran Bank Umum.
Selaku Wali Amanat dari penerbitan obligasi The Trustee of the bond issuance is PT Bank Mega
subordinasi ini adalah PT Bank Mega Tbk. Tidak Tbk. There was no violation to the covenant of bonds
terdapat pelanggaran atas pembatasan perjanjian and subordinated bonds trusteeship agreement as of
perwaliamanatan obligasi dan obligasi subordinasi December 31, 2024 and 2023.
pada tanggal 31 Desember 2024 dan 2023.
99
Page 574
The original financial statements included herein are in
Indonesian language.
PT BANK VICTORIA INTERNATIONAL Tbk PT BANK VICTORIA INTERNATIONAL Tbk
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
Tanggal 31 Desember 2024 dan untuk As of December 31, 2024 and
Tahun yang Berakhir pada Tanggal tersebut for the Year Ended
(Disajikan dalam ribuan Rupiah, (Expressed in thousands of Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
21. EFEK-EFEK YANG DITERBITKAN (lanjutan) 21. SECURITIES ISSUED (continued)
Obligasi Subordinasi Berkelanjutan II Bank Victoria Bank Victoria Subordinated Bonds II Phase II Year
Tahap II Tahun 2019 2019
Pada tanggal 8 November 2019, Bank menerbitkan On November 8, 2019, the Bank issued Bank Victoria
Obligasi Subordinasi Berkelanjutan II Bank Victoria Subordinated Bonds II Phase II Year 2019 amounting
Tahap II Tahun 2019 sebesar Rp150.000.000. Rp150,000,000.
Obligasi Subordinasi Berkelanjutan II Bank Victoria Bank Victoria Subordinated Bonds II Phase II Year
Tahap II Tahun 2019 memiliki tingkat suku bunga 2019 has fixed rate of 11.25% per annum, and the
tetap sebesar 11,25% per tahun yang akan interest will be paid every 3 (three) months starting
dibayarkan setiap 3 (tiga) bulan. Pembayaran bunga from February 8, 2020 for the first payment whereas
Obligasi Subordinasi pertama dilakukan pada tanggal the last payment will be on November 8, 2026, at the
8 Februari 2020, sedangkan pembayaran bunga maturity date of the Bond.
Obligasi Subordinasi terakhir akan dilakukan pada
tanggal jatuh tempo Obligasi Subordinasi yaitu pada
tanggal 8 November 2026.
Berdasarkan Surat Keterangan PT Pemeringkat Efek Based on the letter issued by PT Pemeringkat Efek
Indonesia (“Pefindo”) No. RTG-129/PEF-DIR/IX/2019 Indonesia (“Pefindo”) No. RTG-129/PEF-
tanggal 26 September 2019 berlaku peringkat DIR/IX/2019 dated September 26, 2019 apply rating
sebagaimana tercantum pada Sertifikat as stated on Rating Certificate PT Pemeringkat Efek
Pemeringkatan PT Pemeringkat Efek Indonesia Indonesia No. RC-329/PEF-DIR/IV/2019 dated April
No. RC-329/PEF-DIR/IV/2019 tanggal 4 April 2019 4, 2019 which was idBBB on Bank Victoria
yaitu peringkat idBBB pada Obligasi Subordinasi Subordinated Bonds II Phase II Year 2019.
Berkelanjutan II Bank Victoria Tahap II Tahun 2019.
Pada tanggal 31 Desember 2024 dan 2023, peringkat As of December 31, 2024 and 2023, the rating of the
Obligasi Subordinasi Berkelanjutan II Bank Victoria Bank Victoria Subordinated Bonds II Phase II Year
Tahap II Tahun 2019 menurut Pefindo adalah idBBB. 2019 based on Pefindo was idBBB.
Obligasi subordinasi tersebut di atas tidak dijamin The above bond is unsecured by a specific collateral
dengan suatu agunan khusus dan tidak dijamin oleh and by third parties and are excluded from the
pihak ketiga manapun dan tidak termasuk dalam Government Guarantee to Certain Liabilities of
Program Jaminan Pemerintah Terhadap Liabilitas Commercial Banks Program.
Pembayaran Bank Umum.
Selaku Wali Amanat dari penerbitan obligasi The Trustee of the bond issuance is PT Bank Mega
subordinasi ini adalah PT Bank Mega Tbk. Tidak Tbk. There was no violation to the covenant of the
terdapat pelanggaran atas pembatasan perjanjian subordinated bonds trusteeship agreement as of
perwaliamanatan obligasi subordinasi pada tanggal December 31, 2024 and 2023.
31 Desember 2024 dan 2023.
100
Page 575
The original financial statements included herein are in
Indonesian language.
PT BANK VICTORIA INTERNATIONAL Tbk PT BANK VICTORIA INTERNATIONAL Tbk
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
Tanggal 31 Desember 2024 dan untuk As of December 31, 2024 and
Tahun yang Berakhir pada Tanggal tersebut for the Year Ended
(Disajikan dalam ribuan Rupiah, (Expressed in thousands of Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
21. EFEK-EFEK YANG DITERBITKAN (lanjutan) 21. SECURITIES ISSUED (continued)
Obligasi Berkelanjutan II Bank Victoria Tahap I Tahun Bank Victoria Continuing Bonds II Phase I Year 2019
2019 dan Obligasi Subordinasi Berkelanjutan II Bank and Subordinated Bonds II Phase I Year 2019
Victoria Tahap I Tahun 2019
Pada tanggal 28 September 2019, Bank menerbitkan On September 28, 2019, the Bank issued Bank
Obligasi Berkelanjutan II Bank Victoria Tahap I Tahun Victoria Continuing Bonds II Phase I Year 2019 and
2019 dan Obligasi Subordinasi Berkelanjutan II Bank Subordinated Bonds II Phase I Year 2019 amounting
Victoria Tahap I Tahun 2019 masing-masing sebesar to Rp100,000,000 and Rp250,000,000, respectively.
Rp100.000.000 dan Rp250.000.000.
Obligasi Berkelanjutan II Bank Victoria Tahap I Tahun Bank Victoria Continuing Bonds II Phase I Year 2019
2019 diterbitkan dengan tingkat suku bunga tetap issued with fixed rate of 9.75% per annum, with tenor
sebesar 9,75% per tahun, berjangka waktu 2 (two) years since Emission Date.
2 (dua) tahun sejak Tanggal Emisi.
Bunga obligasi dibayarkan setiap 3 (tiga) bulan sekali Interest on the bonds will be paid every 3 (three)
terhitung sejak Tanggal Emisi. Pembayaran Bunga months starting from Emission Date. The first
Obligasi pertama dilakukan pada tanggal payment was on September 28, 2019 whereas the
28 September 2019, sedangkan pembayaran Bunga last payment will be on September 28, 2021, at the
obligasi terakhir akan dilakukan pada tanggal jatuh maturity date of the Bond.
tempo obligasi yaitu pada tanggal 28 September
2021.
Obligasi Subordinasi Berkelanjutan II Bank Victoria Bank Victoria Subordinated Bonds II Phase I Year
Tahap I Tahun 2019 memiliki tingkat suku bunga 2019 has fixed rate of 11.75% per annum, and the
tetap sebesar 11,75% per tahun yang akan interest will be paid every 3 (three) months. The first
dibayarkan setiap 3 (tiga) bulan. Pembayaran Bunga payment was on September 28, 2019, whereas the
Obligasi Subordinasi pertama dilakukan pada tanggal last payment will be on June 28, 2026, at the maturity
28 September 2019, sedangkan pembayaran Bunga date of the Bond.
Obligasi Subordinasi terakhir akan dilakukan pada
tanggal jatuh tempo Obligasi Subordinasi yaitu pada
tanggal 28 Juni 2026.
Berdasarkan Sertifikat Pemeringkatan Based on the report issued by
Pefindo No. RC-328/PEF-DIR/IV/2019 dan Pefindo No. RC-328/PEF-DIR/IV/2019 and
No. RC-329/PEF-DIR/IV/2019 tanggal 4 April 2019, No. RC-329/PEF-DIR/IV/2019 dated April 4, 2019,
memutuskan memberikan peringkat idA- terhadap the rating of Bank Victoria Continuing Bonds II Phase
Obligasi Berkelanjutan II Bank Victoria Tahap I Tahun I Year 2019 is idA-, and the rating of Subordinated
2019 serta memberikan peringkat idBBB pada Bonds II Phase I Year 2019 is idBBB.
Obligasi Subordinasi Berkelanjutan II Bank Victoria
Tahap I Tahun 2019.
Pada tanggal 31 Desember 2021, peringkat Obligasi As of December 31, 2021, the rating of the Bank
Berkelanjutan II Bank Victoria Tahap I Tahun 2019 Victoria Continuing Bonds II Phase I Year 2019
menurut Pefindo adalah idA-. based on Pefindo was idA-.
Pada tanggal 31 Desember 2024 dan 2023, peringkat As of December 31, 2024 and 2023, the rating of the
Obligasi Subordinasi Berkelanjutan II Bank Victoria Bank Victoria Subordinated Bonds II Phase I Year
Tahap I Tahun 2019 menurut Pefindo adalah idBBB. 2019 based on Pefindo was idBBB.
Obligasi dan obligasi subordinasi tersebut di atas The above bonds and subordinated bonds are
tidak dijamin dengan suatu agunan khusus dan tidak unsecured by a specific collateral and by third parties
dijamin oleh pihak ketiga manapun dan tidak and are excluded from the Government Guarantee to
termasuk dalam Program Jaminan Pemerintah Certain Liabilities of Commercial Banks Program.
Terhadap Liabilitas Pembayaran Bank Umum.
101
Page 576
The original financial statements included herein are in
Indonesian language.
PT BANK VICTORIA INTERNATIONAL Tbk PT BANK VICTORIA INTERNATIONAL Tbk
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
Tanggal 31 Desember 2024 dan untuk As of December 31, 2024 and
Tahun yang Berakhir pada Tanggal tersebut for the Year Ended
(Disajikan dalam ribuan Rupiah, (Expressed in thousands of Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
21. EFEK-EFEK YANG DITERBITKAN (lanjutan) 21. SECURITIES ISSUED (continued)
Obligasi Berkelanjutan II Bank Victoria Tahap I Tahun Bank Victoria Continuing Bonds II Phase I Year 2019
2019 dan Obligasi Subordinasi Berkelanjutan II Bank and Subordinated Bonds II Phase I Year 2019
Victoria Tahap I Tahun 2019 (lanjutan) (continued)
Selaku Wali Amanat dari penerbitan obligasi dan The Trustee of the bonds and subordinated bonds
obligasi subordinasi ini adalah PT Bank Mega Tbk. issuance is PT Bank Mega Tbk.
Tidak terdapat pelanggaran atas pembatasan There was no violation to the covenant of the bonds
perjanjian perwaliamanatan obligasi dan obligasi and subordinated bonds trusteeship agreement as of
subordinasi pada tanggal 31 Desember 2024 dan December 31, 2024 and 2023.
2023.
Obligasi Berkelanjutan I Bank Victoria Tahap II Tahun Bank Victoria Continuing Bonds I Phase II Year 2018
2018 dan Obligasi Subordinasi Berkelanjutan I Bank and Subordinated Bonds I Phase II Year 2018
Victoria Tahap II 2018
Pada tanggal 5 September 2018, Bank menerbitkan On September 5, 2018, the Bank issued Bank
Obligasi Berkelanjutan I Bank Victoria Tahap II Tahun Victoria Continuing Bonds I Phase II Year 2018 and
2018 dan Obligasi Subordinasi Berkelanjutan I Bank Bank Victoria Subordinated Bonds I Phase II Year
Victoria Tahap II Tahun 2018 masing-masing sebesar 2018 amounting to Rp300,000,000 and
Rp300.000.000 dan Rp350.000.000. Rp350,000,000, respectively.
Obligasi Berkelanjutan I Bank Victoria Tahap II Tahun Bank Victoria Continuing Bonds I Phase II Year 2018
2018 terdiri dari 2 (dua) seri Obligasi, yaitu sebagai consists of 2 (two) series of Bonds:
berikut:
· Seri A dengan jumlah Pokok Obligasi sebesar · Series A amounted to Rp100,000,000 with fixed
Rp100.000.000 dengan tingkat suku bunga tetap rate of 9.70% per annum, tenor 3 (three) years
sebesar 9,70% per tahun, berjangka waktu 3 since Emission Date.
(tiga) tahun sejak Tanggal Emisi.
· Seri B dengan jumlah Pokok Obligasi sebesar · Series B amounted to Rp200,000,000 with fixed
Rp200.000.000 dengan tingkat bunga tetap rate of 10.30% per annum, tenor 5 (five) years
sebesar 10,30% per tahun, berjangka waktu since Emission Date.
5 (lima) tahun sejak Tanggal Emisi.
Bunga obligasi dibayarkan setiap 3 (tiga) bulan sekali. Interest of the bond paid every 3 (three) months
Pembayaran bunga obligasi pertama dilakukan pada starting from September 5, 2018 for the first payment
tanggal 5 September 2018 sedangkan pembayaran whereas the last payment matured of each Bonds,
bunga Obligasi terakhir sekaligus telah jatuh tempo which on September 5, 2021 for Bonds Series A and
masing-masing seri Obligasi yaitu pada tanggal 5 on September 5, 2023 for Bonds Series B, at the
September 2021 untuk Obligasi Seri A dan maturity date of the Bond.
5 September 2023 untuk Obligasi Seri B.
Obligasi Subordinasi Berkelanjutan I Bank Victoria Bank Victoria Subordinated Bonds I Phase II Year
Tahap II Tahun 2018 memiliki tingkat suku bunga 2018 has fixed rate of 11.00% per annum, and the
tetap sebesar 11,00% per tahun yang akan interest will be paid every 3 (three) months. The first
dibayarkan setiap 3 (tiga) bulan. Pembayaran Bunga payment was on September 5, 2018 whereas the last
Obligasi Subordinasi pertama dilakukan pada tanggal payment will be on June 5, 2025, at the maturity date
5 September 2018, sedangkan pembayaran Bunga of the Bonds and Subordinated Bonds.
Obligasi Subordinasi terakhir akan dilakukan pada
tanggal jatuh tempo Obligasi Subordinasi yaitu pada
tanggal 5 Juni 2025.
102
Page 577
The original financial statements included herein are in
Indonesian language.
PT BANK VICTORIA INTERNATIONAL Tbk PT BANK VICTORIA INTERNATIONAL Tbk
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
Tanggal 31 Desember 2024 dan untuk As of December 31, 2024 and
Tahun yang Berakhir pada Tanggal tersebut for the Year Ended
(Disajikan dalam ribuan Rupiah, (Expressed in thousands of Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
21. EFEK-EFEK YANG DITERBITKAN (lanjutan) 21. SECURITIES ISSUED (continued)
Obligasi Berkelanjutan I Bank Victoria Tahap II Tahun Bank Victoria Continuing Bonds I Phase II Year 2018
2018 dan Obligasi Subordinasi Berkelanjutan I Bank and Subordinated Bonds I Phase II Year 2018
Victoria Tahap II 2018 (lanjutan) (continued)
Berdasarkan surat keterangan yang diberikan oleh Based on the letter issued by Pefindo
Pefindo No. 031/PEWF-DIR/IV/2018 pada 2 April No. 031/PEWF-DIR/IV/2018 dated April 2, 2018, the
2018, keterangan terkait pemeringkatan atas Obligasi details related to the rating of Bank Victoria
Berkelanjutan I Bank Victoria Tahap II Tahun 2018 Continuing Bonds I Phase II Year 2018 and Bank
dan Obligasi Subordinasi Berkelanjutan I Bank Victoria Subordinated Bonds I Phase II Year 2018
Victoria Tahap II Tahun 2018 yang diterbitkan melalui which was issued through Share Registration Public
rencana Penawaran Umum Berkelanjutan (PUB) Offering (PUB) were available in the Rating
terdapat pada surat Sertifikat Pemeringkatan Certificate No. 369/PEF-DIR/IV/2018 dated April 2,
No. 369/PEF-DIR/IV/2018 tanggal 2 April 2018 2018 regarding the reassessment of Bank Victoria
atas penetapan kembali peringkat Obligasi Continuing Bonds I Phase I Year 2017 rating,
Berkelanjutan I Bank Victoria Tahap I Tahun 2017 including the assessment of Bank Victoria Continuing
yang juga merupakan pemeringkatan atas Obligasi Bonds I Phase II Year 2018 rating which was idA- and
Berkelanjutan I Bank Victoria Tahap II Tahun 2018 in the Rating Certificate No. 370/PEF-DIR/IV/2018
(berdasarkan pemantauan atas Obligasi dated April 2, 2018 regarding the reassessment of
Berkelanjutan I Tahun 2017) yakni idA- dan pada Bank Victoria Subordinated Bonds I Phase I Year
surat Sertifikat Pemeringkatan No. 370/PEF- 2017, including the assessment of Bank Victoria
DIR/IV/2018 tanggal 2 April 2018 atas Obligasi Subordinated Bonds I Phase II Year 2018 which was
Subordinasi Berkelanjutan I Bank Victoria Tahap I idBBB.
2017 yang juga merupakan pemeringkatan atas
Obligasi Subordinasi Berkelanjutan I Bank Victoria
Tahap II 2018 yakni idBBB.
Pada tanggal 31 Desember 2024 dan 2023, peringkat As of December 31, 2024 and 2023, the rating of the
Obligasi Berkelanjutan I Bank Victoria Tahap II Tahun Bank Victoria Continuing Bonds I Phase II Year 2018
2018 menurut Pefindo adalah idA-. based on Pefindo was idA-.
Pada tanggal 31 Desember 2024 dan 2023, peringkat As of December 31, 2024 and 2023, the rating of the
Obligasi Subordinasi Berkelanjutan I Bank Victoria Bank Victoria Subordinated Bonds I Phase II Year
Tahap II 2018 menurut Pefindo adalah idBBB. 2018 based Pefindo was idBBB.
Obligasi dan obligasi subordinasi tersebut di atas The above bonds and subordinated bonds are
tidak dijamin dengan suatu agunan khusus dan tidak unsecured by a specific collateral and by third parties
dijamin oleh pihak ketiga manapun dan tidak and are excluded from the Government Guarantee to
termasuk dalam Program Jaminan Pemerintah Certain Liabilities of Commercial Banks Program.
Terhadap Liabilitas Pembayaran Bank Umum.
Selaku Wali Amanat dari penerbitan ini adalah The Trustee of the bond issuance is PT Bank
PT Bank Mega Tbk. Mega Tbk.
Tidak terdapat pelanggaran atas pembatasan There was no violation to the covenant of bonds and
perjanjian perwaliamanatan obligasi dan obligasi subordinated bonds trusteeship agreement as of
subordinasi pada tanggal 31 Desember 2024 dan December 31, 2024 and 2023.
2023.
Obligasi Berkelanjutan I Bank Victoria Tahap I Tahun Bank Victoria Continuing Bonds I Phase I Year 2017
2017 dan Obligasi Subordinasi Berkelanjutan I Bank and Subordinated Bonds I Phase I Year 2017
Victoria Tahap I Tahun 2017
Pada tanggal 11 Juli 2017, Bank menerbitkan On July 11, 2017, the Bank issued Bank Victoria
Obligasi Berkelanjutan I Bank Victoria Tahap I Tahun Continuing Bonds I Phase I Year 2017 and Bank
2017 dan Obligasi Subordinasi Berkelanjutan I Bank Victoria Subordinated Bonds I Phase I Year 2017
Victoria Tahap I Tahun 2017 masing-masing sebesar amounting to Rp300,000,000 and
Rp300.000.000 dan Rp50.000.000. Rp50,000,000, respectively.
103
Page 578
The original financial statements included herein are in
Indonesian language.
PT BANK VICTORIA INTERNATIONAL Tbk PT BANK VICTORIA INTERNATIONAL Tbk
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
Tanggal 31 Desember 2024 dan untuk As of December 31, 2024 and
Tahun yang Berakhir pada Tanggal tersebut for the Year Ended
(Disajikan dalam ribuan Rupiah, (Expressed in thousands of Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
21. EFEK-EFEK YANG DITERBITKAN (lanjutan) 21. SECURITIES ISSUED (continued)
Obligasi Berkelanjutan I Bank Victoria Tahap I Tahun Bank Victoria Continuing Bonds I Phase I Year 2017
2017 dan Obligasi Subordinasi Berkelanjutan I Bank and Subordinated Bonds I Phase I Year 2017
Victoria Tahap I Tahun 2017 (lanjutan) (continued)
Obligasi Berkelanjutan I Bank Victoria Tahap I Tahun Bank Victoria Continuing Bonds I Phase I Year 2017
2017 memiliki tingkat suku bunga tetap sebesar has fixed rate of 10.30% amounted Rp300.000.000
10,30% sebesar Rp300.000.000 per tahun, yang per annum, and the interest will be paid every 3
akan dibayarkan setiap 3 (tiga) bulan. Pembayaran (three) months. The first payment was on from
bunga pertama dilakukan pada tanggal 11 Oktober October 11, 2017 whereas the last payment matured
2017 sedangkan pembayaran bunga obligasi terakhir on July 11, 2022, at the maturity date of the Bond.
yang sekaligus telah jatuh tempo obligasi akan
dilakukan pada tanggal 11 Juli 2022.
Obligasi Subordinasi Berkelanjutan I Bank Victoria Bank Victoria Subordinated Bonds I Phase I Year
Tahap I Tahun 2017 memiliki tingkat suku bunga 2017 has fixed rate of 11.00% per annum, and the
tetap sebesar 11,00% per tahun, yang akan interest will be paid every 3 (three) months. The first
dibayarkan setiap 3 (tiga) bulan. Pembayaran bunga payment was on October 11, 2017 whereas the last
pertama dilakukan pada tanggal 11 Oktober 2017 payment will be on July 11, 2024, at the maturity date
sedangkan pembayaran bunga obligasi terakhir yang of the Bond.
sekaligus menjadi tanggal jatuh tempo obligasi akan
dilakukan pada tanggal 11 Juli 2024.
Berdasarkan pemeringkatan yang dilaksanakan Based on the report issued by Pefindo as stated in its
oleh Pefindo sesuai dengan Surat Letter No. 369/PEF-Dir/IV/2018 dated April 2, 2018,
No. 369/PEF-Dir/IV/2018 tanggal 2 April 2018, hasil the rating of Bank Victoria Continuing Bonds I Phase
pemeringkatan atas Obligasi Berkelanjutan I Bank I Year 2017 is idA- and Letter No. 370/PEF-
Victoria Tahap I Tahun 2017 adalah idA- dan Surat Dir/IV/2018 dated April 2, 2018, the rating of Bank
No. 370/PEF-Dir/IV/2018 tanggal 2 April 2018, hasil Victoria Subordinated Bonds I Phase I Year 2017 is
pemeringkatan atas Obligasi Subordinasi idBBB.
Berkelanjutan I Bank Victoria Tahap I Tahun 2017
adalah idBBB.
Pada tanggal 31 Desember 2021, peringkat Obligasi As of December 31, 2021, the rating of the Bank
Berkelanjutan I Bank Victoria Tahap I Tahun 2017 Victoria Continuing Bonds I Phase I Year 2017 based
menurut Pefindo adalah idA-. on Pefindo was idA-.
Pada tanggal 31 Desember 2024 dan 2023, peringkat As of December 31, 2024 and 2023, the rating of the
Obligasi Subordinasi Berkelanjutan I Bank Victoria Bank Victoria Subordinated Bonds I Phase I Year
Tahap I 2017 menurut Pefindo adalah idBBB. 2017 based on Pefindo was idBBB.
Obligasi dan obligasi subordinasi tersebut di atas The above bonds and subordinated bonds are
tidak dijamin dengan suatu agunan khusus dan tidak unsecured by a specific collateral and by third parties
dijamin oleh pihak ketiga manapun dan tidak and are excluded from the Government Guarantee to
termasuk dalam Program Jaminan Pemerintah Certain Liabilities of Commercial Banks Program.
Terhadap Liabilitas Pembayaran Bank Umum.
Selaku Wali Amanat dari penerbitan obligasi ini The Trustee of the bond issuance is PT Bank Mega
adalah PT Bank Mega Tbk. Tbk.
Tidak terdapat pelanggaran atas pembatasan There was no violation to the covenant of bonds and
perjanjian perwaliamanatan obligasi dan obligasi subordinated bonds trusteeship agreement as of
subordinasi pada tanggal 31 Desember 2024 dan December 31, 2024 and 2023.
2023.
104
Page 579
The original financial statements included herein are in
Indonesian language.
PT BANK VICTORIA INTERNATIONAL Tbk PT BANK VICTORIA INTERNATIONAL Tbk
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
Tanggal 31 Desember 2024 dan untuk As of December 31, 2024 and
Tahun yang Berakhir pada Tanggal tersebut for the Year Ended
(Disajikan dalam ribuan Rupiah, (Expressed in thousands of Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
22. PERPAJAKAN 22. TAXATION
a. Utang pajak a. Taxes payable
31 Desember/December 31,
2024 2023
Pasal 4 ayat 2 24.531.464 20.806.149 Article 4 (2)
Pasal 21 1.750.164 2.591.590 Article 21
Pasal 26 51.727 51.349 Article 26
Pasal 23 41.752 18.381 Article 23
Pajak Pertambahan Nilai 76.872 5.842.973 Value Added Tax
Jumlah utang pajak 26.451.979 29.310.442 Total taxes payable
b. Beban Pajak Penghasilan b. Deferred Tax Expense
Beban pajak penghasilan terdiri dari: Deferred tax expense consist of:
31 Desember/December 31,
2024 2023
Pajak kini - - Current tax
Pajak tangguhan 30.800.886 27.719.887 Deferred tax
Jumlah beban pajak penghasilan 30.800.886 27.719.887 Total deferred tax expense
Rekonsiliasi antara laba sebelum pajak The reconciliation between profit before income
penghasilan menurut laporan laba rugi dan tax as shown in the statement of profit or loss and
penghasilan komprehensif lain dengan taksiran other comprehensive income with estimated
rugi kena pajak adalah sebagai berikut: taxable loss are as follows:
31 Desember/December 31,
2024 2023
Laba sebelum pajak penghasilan 148.660.124 129.536.228 Profit before income tax
Beda waktu: Timing differences:
Imbalan pasca kerja 3.385.166 3.035.528 Post-employment benefits
Cadangan bonus, jasa Accrue bonuses, professional
profesional dan promosi (2.674.515) (28.443.185) fees and promotion expenses
Beban penyisihan kerugian Provision for impairment
penurunan nilai aset losses on financial and
keuangan dan non-keuangan (434.280.087) (64.356.877) non-financial assets
Kerugian yang belum direalisasi Unrealised loss - on investment
Dari penyertaan saham yang diukur shares measured at fair value
Pada nilai wajar melalui laba rugi - (137.029.607) through profit or loss
Jumlah beda waktu (433.569.436) (226.794.141) Total timing differences
105
Page 580
The original financial statements included herein are in
Indonesian language.
PT BANK VICTORIA INTERNATIONAL Tbk PT BANK VICTORIA INTERNATIONAL Tbk
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
Tanggal 31 Desember 2024 dan untuk As of December 31, 2024 and
Tahun yang Berakhir pada Tanggal tersebut for the Year Ended
(Disajikan dalam ribuan Rupiah, (Expressed in thousands of Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
22. PERPAJAKAN (lanjutan) 22. TAXATION (continued)
b. Beban Pajak Penghasilan (lanjutan) b. Deferred Tax Expense (continued)
31 Desember/December 31,
2024 2023
Beda tetap: Permanent differences:
Biaya Pajak 1.009.981 5.208.828 Tax expenses
Biaya pemasaran 8.209.700 5.875.975 Marketing expenses
Tunjangan karyawan 2.487.845 2.332.300 Employee’s allowances
Sumbangan 33.600 77.050 Donation
Pendapatan dari reksadana Income from mutual funds
yang dikenakan pajak final (22.373.592) (10.976.160) subject to final tax
(Pendapatan) beban Other operating
operasional lainnya 1.976.372 (6.950.040) (income) expenses
Jumlah beda tetap (8.656.094) (4.432.047) Total permanent differences
Taksiran rugi kena pajak (293.565.406) (101.689.960) Estimated taxable loss
Kompensasi rugi fiskal tahun-tahun Tax losses carried forward from
sebelumnya : prior year :
Rugi fiskal tahun sebelumnya Tax losses from prior years
yang masih dapat dikompensasi (101.689.960) - that can be compensated
Akumulasi rugi fiskal yang dapat Accumulated tax losses carried
dikompensasi (395.255.366) (101.689.960) forward
Rincian rugi fiskal adalah sebagai berikut: The details of fiscal losses are as follows:
31 Desember/December 31,
2024 2023
Tahun 2024 (293.565.406) - Year 2024
Tahun 2023 (101.689.960) (101.689.960) Year 2023
Total akumulasi rugi fiskal yang (395.255.366) (101.689.960) Total accumulated tax losses
dapat dikompensasi carried forward
Rugi fiskal yang dikompensasi - - Compensated tax losses
Sisa akumulasi rugi fiskal (395.255.366) (101.689.960) Remaining accumulated tax losses
Rugi kena pajak hasil rekonsiliasi merupakan Taxable loss results from reconciliation are the
dasar dalam pengisian Surat Pemberitahuan basis in preparing the Bank’s Annual Tax Return
Tahunan (SPT) PPh Badan Bank. (SPT) of Corporate Income Tax.
106
Page 581
The original financial statements included herein are in
Indonesian language.
PT BANK VICTORIA INTERNATIONAL Tbk PT BANK VICTORIA INTERNATIONAL Tbk
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
Tanggal 31 Desember 2024 dan untuk As of December 31, 2024 and
Tahun yang Berakhir pada Tanggal tersebut for the Year Ended
(Disajikan dalam ribuan Rupiah, (Expressed in thousands of Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
22. PERPAJAKAN (lanjutan) 22. TAXATION (continued)
b. Beban Pajak Penghasilan (lanjutan) b. Deferred Tax Expense (continued)
Rekonsiliasi antara beban pajak penghasilan The reconciliation between the tax expenses
dengan menggunakan tarif pajak yang berlaku computed by applying the applicable tax rate on
dari laba sebelum pajak penghasilan dan beban the profit before income tax and the income tax
pajak penghasilan seperti yang disajikan dalam expenses shown in the statement of profit or loss
laporan laba rugi dan penghasilan komprehensif and other comprehensive income for the period
lain untuk periode yang berakhir pada tanggal ended December 31, 2024 and 2023, are as
31 Desember 2024 dan 2023 adalah sebagai follows:
berikut:
31 Desember/December 31,
2024 2023
Laba sebelum pajak penghasilan 148.660.124 129.536.228 Profit before income tax
Pajak dihitung dengan tarif Tax calculated at applicable
pajak yang berlaku 32.705.227 28.497.970 tax rates
Dampak pajak penghasilan pada: Tax effects of:
- Beban yang tidak dapat Expenses not deductible -
dikurangkan untuk tujuan pajak (1.904.341) (975.050) for tax purposes
Dampak rugi fiskal Tax losses
Penyesuaian atas Adjustment for
aset pajak tangguhan - 196.967 deffered tax
Beban pajak Income tax
penghasilan - bersih 30.800.886 27.719.887 expenses - net
Rugi kena pajak hasil rekonsiliasi tahun 2024 Taxable loss results from reconciliation in 2024
dan 2023 menjadi dasar dalam pengisian SPT and 2023 used as basis for preparation of the
Tahunan PPh Badan Bank yang disampaikan Bank’s Annual Tax Return (SPT) submitted to
kepada Otoritas Perpajakan. Tax Authority.
Pada tanggal 29 Oktober 2021, berdasarkan On October 29, 2021, based on law No. 7 year
Undang-Undang No. 7 tahun 2021 tentang 2021 harmonization of taxation regulation,
harmonisasi peraturan perpajakan, antara lain among others regulates that income tax rate on
mengatur bahwa tarif pajak yang dikenakan atas corporate taxpayer and permanent
penghasilan kena pajak bagi wajib pajak Badan establishment’s corporate taxable income 22%
dalam negeri dan bentuk usaha tetap adalah which will be effective for fiscal year 2022
sebesar 22% yang berlaku pada tahun pajak onwards.
2022 dan seterusnya.
Tarif pajak baru tersebut digunakan sebagai The new tax rates are used as references to
acuan untuk pengukuran aset dan liabilitas pajak measure the current and deferred tax assets
kini dan tangguhan sejak berlakunya peraturan and liabilities starting from the enactment date of
tersebut yaitu 29 Oktober 2021. the new regulation on October 29, 2021.
c. Pajak tangguhan c. Deferred tax
31 Desember/ December 31, 2024
(Dibebankan)/ (Dibebankan)/ dikreditkan
dikreditkan ke laporan ke pendapatan
laba rugi/ komprehensif lain /
(Charged)/ (Charged)/ Credited to
1 Januari/ Credited to other comprehensive 31 Desember/
January profit or loss income December
Cadangan bonus, jasa Accrued bonuses, professional
profesional dan promosi 2.242.530 3.085.711 2.371.738 7.699.979 fee and promotion
Cadangan kerugian penurunan Allowance for
nilai 124.010.818 (99.215.723) - 24.795.095 impairment lossess
Imbalan pasca kerja 9.631.219 744.737 - 10.375.956 Post-employment benefits
Keuntungan/(kerugian) yang Unrealised gains/
belum direalisasi atas (losses) on changes
perubahan nilai wajar in fair value of securities
efek-efek yang diukur measured at
pada FVOCI 4.747.568 - 2.445.900 7.193.468 FVOCI
Rugi pajak yang bisa
dikompensasi 22.371.791 64.584.389 - 86.956.180 Tax loss carry forward
Jumlah aset pajak tangguhan Total deferred
- bersih 163.003.926 (30.800.886) 4.817.638 137.020.678 tax assets - net
107
Page 582
The original financial statements included herein are in
Indonesian language.
PT BANK VICTORIA INTERNATIONAL Tbk PT BANK VICTORIA INTERNATIONAL Tbk
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
Tanggal 31 Desember 2024 dan untuk As of December 31, 2024 and
Tahun yang Berakhir pada Tanggal tersebut for the Year Ended
(Disajikan dalam ribuan Rupiah, (Expressed in thousands of Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
22. PERPAJAKAN (lanjutan) 22. TAXATION (continued)
c. Pajak tangguhan (lanjutan) c. Deferred tax (continued)
31 Desember/ December 31, 2023
(Dibebankan)/ (Dibebankan)/ dikreditkan
dikreditkan ke laporan ke pendapatan
laba rugi/ komprehensif lain /
(Charged)/ (Charged)/ Credited to
1 Januari/ Credited to other comprehensive 31 Desember/
January profit or loss income December
Cadangan bonus, jasa Accrued bonuses, professional
profesional dan promosi 2.669.950 319.400 (746.820) 2.242.530 fee and promotion
Cadangan kerugian penurunan Allowance for
nilai 144.943.198 (20.932.380) - 124.010.818 impairment lossess
Imbalan pasca kerja 8.963.403 667.816 - 9.631.219 Post-employment benefits
Kerugian yang belum Unrealised losses on
direalisasi atas perubahan changes in fair value
nilai wajar on investment in shares
penyertaan saham 30.146.514 (30.146.514) - - measures at FVTPL
Keuntungan/(kerugian) yang Unrealised gains/
belum direalisasi atas (losses) on changes
perubahan nilai wajar in fair value of securities
efek-efek yang diukur measured at
pada FVOCI 10.884.268 - (6.136.700) 4.747.568 FVOCI
Rugi pajak yang bisa
dikompensasi - 22.371.791 - 22.371.791 Tax loss carry forward
Jumlah aset pajak tangguhan Total deferred
- bersih 197.607.333 (27.719.887) (6.883.520) 163.003.926 tax assets - net
Manajemen berpendapat bahwa aset pajak Management believes that total deferred tax
tangguhan yang timbul dari perbedaan temporer assets arising from temporary differences are
kemungkinan besar dapat direalisasi pada probable to be realised in the future years.
tahun-tahun mendatang.
d. Peraturan Menteri Keuangan d. Minister of Finance Regulation
Menteri Keuangan Republik Indonesia The Minister of Finance of the Republic of
menerbitkan Peraturan Menteri Keuangan Indonesia issued Minister of Finance Regulation
(PMK) No. 74 pada tanggal 10 Oktober 2024. (PMK) No. 74 on October 10, 2024. Based on this
Berdasarkan peraturan tersebut, Bank harus regulation, the Bank must calculate reserves for
menghitung cadangan piutang tak tertagih bad debts in accordance with certain limits
sesuai dengan batasan tertentu yang diatur di regulated in PMK 74 starting January 1, 2024. On
dalam PMK 74 mulai tanggal 1 Januari 2024. January 1, 2024, there is an excess value of
Pada tanggal 1 Januari 2024, terdapat selisih reserves per fiscal amounting to Rp
lebih nilai cadangan per fiskal sebesar Rp254,929,944. In accordance with the
Rp254.929.944. Sesuai dengan ketentuan di provisions in PMK 74, the Bank decided to
dalam PMK 74, Bank memutuskan untuk charge the excess difference in the 2024 income
membebankan selisih lebih tersebut di dalam tax calculation.
perhitungan pajak penghasilan tahun 2024.
108
Page 583
The original financial statements included herein are in
Indonesian language.
PT BANK VICTORIA INTERNATIONAL Tbk PT BANK VICTORIA INTERNATIONAL Tbk
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
Tanggal 31 Desember 2024 dan untuk As of December 31, 2024 and
Tahun yang Berakhir pada Tanggal tersebut for the Year Ended
(Disajikan dalam ribuan Rupiah, (Expressed in thousands of Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
22. PERPAJAKAN (lanjutan) 22. TAXATION (continued)
e. Pemeriksaan Pajak e. Tax Assessments
Pemeriksaan tahun pajak 2019 Assessment for fiscal year 2019
Pada 27 Juni 2022 Kantor Pelayanan Pajak On June 27, 2022 Tax Office (“KPP”) issued tax
(“KPP”) menerbitkan surat pemberitahuan assessment notification letter for the fiscal year
pemeriksaan pajak untuk tahun fiskal 2019. 2019.On March 4, 2024, KPP issued the
Pada tanggal 4 Maret 2024, KPP menerbitkan following Tax Assessment Letter:
Surat Ketetapan Pajak sebagai berikut:
1) Surat Ketetapan Pajak Kurang Bayar 1) Tax Underpayment Assessment Letter
No. 00001/206/19/054/24 untuk pajak No. 00001/206/19/054/24 for corporate
penghasilan badan tahun fiskal 2019 income tax for fiscal year 2019 amounting
sebesar Rp3.450.623 to Rp3,450,623
2) Surat Ketetapan Pajak Kurang Bayar 2) Tax Underpayment Assessment Letter
No. 00002/201/19/054/24 untuk pajak No. 00002/201/19/054/24 for the income
penghasilan pasal 21 sebesar Rp353.807 tax article 21 amounting to Rp353,807
3) Surat Ketetapan Pajak Kurang Bayar 3) Tax Underpayment Assessment Letter
No. 00002/203/19/054/24 untuk pajak No. 00002/203/19/054/24 for the income
penghasilan pasal 23 sebesar Rp892.274 tax article 23 amounting to Rp892,274
4) Surat Ketetapan Pajak Kurang Bayar 4) Tax Underpayment Assessment Letter
No. 00001/240/19/054/24 untuk pajak No. 00001/240/19/054/24 for the final
penghasilan final pasal 4(2) sebesar income tax article 4(2) amounting to
Rp352.832 Rp352,832
5) Surat Ketetapan Pajak Kurang Bayar 5) Tax Underpayment Assessment Letter
No. 00001/207/19/054/24 untuk pajak No. 00001/207/19/054/24 for the value
pertambahan nilai sebesar Rp148.925 added tax amounting to Rp148,925
6) Surat Tagihan Pajak 6) Tax Collection Notice
No. 00003/107/19/054/24 untuk PPN tahun No. 00003/107/19/054/24 for VAT for fiscal
fiskal 2019 sebesar Rp10.365 year 2019 amounting to Rp10,365
Pihak Bank menerima atas hasil pemeriksaan The Bank accepts the assessments results as
tersebut yang tertuang pada Surat Ketetapan stated in the above-mentioned Tax Assessment
Pajak tersebut di atas dan telah membayar Letter and paid the assessed taxes in March
kekurangan pajak tersebut pada bulan Maret 2024.
2024.
f. Administrasi f. Administration
Berdasarkan Undang-undang Perpajakan yang Under the prevailing Taxation Laws of Indonesia,
berlaku di Indonesia, Bank melaporkan dan the Bank submits and pays taxes on the basis of
menyetorkan pajak berdasarkan prinsip self- self-assessment. The Directorate General of Tax
assessment. Direktorat Jenderal Pajak dapat may assess or amend taxes liabilities within five
menetapkan dan mengubah liabilitas pajak years from the date the tax becomes due.
dalam batas waktu lima tahun sejak tanggal
terutangnya pajak.
109
Page 584
The original financial statements included herein are in
Indonesian language.
PT BANK VICTORIA INTERNATIONAL Tbk PT BANK VICTORIA INTERNATIONAL Tbk
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
Tanggal 31 Desember 2024 dan untuk As of December 31, 2024 and
Tahun yang Berakhir pada Tanggal tersebut for the Year Ended
(Disajikan dalam ribuan Rupiah, (Expressed in thousands of Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
23. AKRUAL DAN LIABILITAS LAIN-LAIN 23. ACCRUALS AND OTHER LIABILITIES
31 Desember/December 31,
2024 2023
Bunga yang masih harus dibayar 103.156.225 74.152.843 Interest payable
Liabilitas sewa (Catatan 14) 39.811.304 47.309.526 Lease liabilities (Note 14)
Kewajiban Transaksi ATM, ATM Transaction,
Internet Banking dan Internet Banking and
Mobile Banking 16.430.693 14.463.254 Mobile Banking liabilities
Cadangan THR dan bonus 15.984.285 13.104.974 THR and bonus reserves
Hutang kepada supplier 11.522.906 10.521.933 Payable to third parties
Beban akrual 10.596.342 19.003.791 Accrued expenses
Kewajiban derivatif 4.007.100 74.058 Derivatives liabilities
Cadangan kerugian Allowance for impairment losses
Bank Garansi 1.270.842 547.808 Bank Guarantee
Cadangan personalia dan Personnel reserve and
biaya pendidikan karyawan 1.190.001 571.267 employee education expenses
Pendapatan diterima di muka 316.845 362.721 Unearned revenues
Lainnya 10.765.604 13.345.363 Others
Jumlah 215.052.147 193.457.538 Total
Beban akrual lainnya meliputi biaya administrasi dan Accrued expenses consist of administration and
operasional. operational expenses.
Saldo lain-lain pada tanggal 31 Desember 2024 dan The balance of others as of December 31, 2024 and
2023 terutama terdiri dari hutang kepada pihak 2023 mainly consist of liabilities to third parties.
ketiga.
Seluruh akrual dan liabilitas lain-lain pada tanggal All accruals and other liabilities as of December 31,
31 Desember 2024 dan 2023 adalah transaksi 2024 and 2023 are transactions with third parties.
dengan pihak ketiga.
24. LIABILITAS IMBALAN KERJA KARYAWAN 24. EMPLOYEE BENEFITS OBLIGATION
Liabilitas imbalan kerja yang diakui di laporan posisi Employee benefit liabilities recognised in the
keuangan adalah sebagai berikut: statement of financial position are as follows:
31 Desember/December 31,
2024 2023
Liabilitas imbalan pasca kerja 54.003.307 39.837.511 Post-employment benefits liability
Imbalan kerja jangka panjang Long term employee benefit
Informasi di bawah ini mengikhtisarkan komponen The following informations summarise the
beban imbalan pasca kerja karyawan yang diakui di components of post-employment benefits expense
laporan laba rugi dan penghasilan komprehensif lain recognised in the profit or loss and other
dan liabilitas imbalan pasca kerja karyawan yang comprehensive income and post-employment
diakui di laporan posisi keuangan pada tanggal benefits liability recognised in the statement of
31 Desember 2024 dan 2023 berdasarkan financial position on December 31, 2024 and
perhitungan yang dilakukan oleh aktuaris independen 2023 based on the independent actuary Kantor
Kantor Konsultan Aktuaria Indra Catarya Situmeang Konsultan Aktuaria Indra Catarya Situmeang & Rekan
& Rekan dan Tubagus Syafrial & Amran Nangasan, and Tubagus Syafrial & Amran Nangasan, applied the
menggunakan metode ”Projected Unit Credit”. “Projected Unit Credit” method.
110
Page 585
The original financial statements included herein are in
Indonesian language.
PT BANK VICTORIA INTERNATIONAL Tbk PT BANK VICTORIA INTERNATIONAL Tbk
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
Tanggal 31 Desember 2024 dan untuk As of December 31, 2024 and
Tahun yang Berakhir pada Tanggal tersebut for the Year Ended
(Disajikan dalam ribuan Rupiah, (Expressed in thousands of Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
24. LIABILITAS IMBALAN KERJA KARYAWAN 24. EMPLOYEE BENEFITS OBLIGATION (continued)
(lanjutan)
Imbalan kerja jangka panjang (lanjutan) Long term employee benefit (continued)
a. Beban imbalan pasca kerja a. Post-employment benefits expenses
31 Desember/December 31,
2024 2023
Biaya jasa kini 7.099.064 5.293.469 Current service cost
Biaya bunga 3.084.883 2.894.157 Interest cost
Jumlah 10.183.947 8.187.626 Total
b. Liabilitas imbalan pasca kerja b. Post-employment benefits liability
31 Desember/December 31,
2024 2023
Nilai kini kewajiban Present value of defined
imbalan pasti 54.003.307 39.837.511 benefit obligations
Mutasi nilai kini kewajiban adalah sebagai The movement in the present value of obligation
berikut: are as follow:
31 Desember/December 31,
2024 2023
Pada awal tahun 39.837.511 40.196.622 At the beginning of the year
Biaya jasa kini 7.099.064 5.293.469 Current service cost
Imbalan yang dibayar (6.798.780) (5.152.098) Benefits paid
Beban bunga 3.084.883 2.894.157 Interest cost
Kerugian/(keuntungan) aktuarial 10.780.629 (3.394.639) Actuarial loss/(gain)
Pada akhir tahun 54.003.307 39.837.511 At the end of the year
Asumsi-asumsi utama yang digunakan dalam The principal assumptions used to determine the
menghitung liabilitas imbalan pasca kerja pada post-employment benefits liability as of
tanggal 31 Desember 2024 dan 2023 adalah December 31, 2024 and 2023 are as follows:
sebagai berikut:
31 Desember/December 31,
2024 2023
Usia pensiun normal 55 tahun/years 55 tahun/years Normal retirement age
Tingkat mortalita TM IV TM IV Mortality rate
Tingkat cacat 5,00% dari tingkat 5,00% dari tingkat Disability rate
mortalita/ mortalita/
of mortality rate of mortality rate
Tingkat pengunduran diri 5,00% per tahun/ 5,00% per tahun/ Resignation rate
per annum per annum
Tingkat kenaikan gaji 8,14% per tahun/ 7,32% per tahun/ Salary increase rate
per annum per annum
Tingkat suku bunga 7,04% per tahun/ 6,76% per tahun/ Interest rate
per annum per annum
Bank terekspos dengan beberapa risiko melalui The Bank is exposed to a number of risks through
program imbalan pasti, dengan risiko paling its defined benefit pension plan, with the most
signifikan pada tingkat diskonto obligasi dan significant risk on bond’s discount rates and salary
kenaikan gaji. increase.
111
Page 586
The original financial statements included herein are in
Indonesian language.
PT BANK VICTORIA INTERNATIONAL Tbk PT BANK VICTORIA INTERNATIONAL Tbk
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
Tanggal 31 Desember 2024 dan untuk As of December 31, 2024 and
Tahun yang Berakhir pada Tanggal tersebut for the Year Ended
(Disajikan dalam ribuan Rupiah, (Expressed in thousands of Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
24. LIABILITAS IMBALAN KERJA KARYAWAN 24. EMPLOYEE BENEFITS OBLIGATION (continued)
(lanjutan)
Imbalan kerja jangka panjang (lanjutan) Long term employee benefit (continued)
b. Liabilitas imbalan pasca kerja (lanjutan) b. Post-employment benefits liability
(continued)
Tabel di bawah menunjukkan sensitivitas atas The following table represent the sensitivity
kemungkinan perubahan tingkat kenaikan gaji analysis of a reasonably possible change in salary
dan tingkat diskonto terhadap kewajiban imbalan increase and discount rate of obligation to Bank’s
pasca kerja Bank (tidak diaudit): post-employment benefit liability (unaudited):
31 Desember/December 31, 2024
Peningkatan/ Penurunan/
Increase by Decrease by
100 bps 100 bps
Tingkat diskonto (3.096.525) 3.456.741 Discount rates
Kenaikan gaji 3.387.460 (3.093.862) Salary increases
31 Desember/December 31, 2023
Peningkatan/ Penurunan/
Increase by Decrease by
100 bps 100 bps
Tingkat diskonto (2.379.169) 2.666.818 Discount rates
Kenaikan gaji 2.627.178 (2.389.227) Salary increases
Analisis sensitivitas di atas didasarkan pada The above sensitivity analysis are based on a
perubahan atas asumsi tunggal dengan asumsi change in an assumption while holding all other
lainnya konstan. Pada praktiknya, kecil assumption constant. In practice, this is unlikely
kemungkinan hal tersebut terjadi, dan to occur, and the changes in some of the
perubahan-perubahan dalam beberapa asumsi assumption may be correlated. When calculation
mungkin saling berhubungan. Ketika melakukan the sensitivity of the defined benefit obligation to
perhitungan sensitivitas dari kewajiban imbalan significant actuarial assumptions, the same
pasti ke asumsi aktuarial yang signifikan, metode method (present value if the defined benefit
yang sama (nilai kini dari kewajiban imbalan pasti obligation calculation with the projected unit credit
yang dihitung menggunakan projected unit credit method at the end of the reporting period) has
pada akhir periode pelaporan) telah diterapkan been applied as when calculating the pension
seperti saat menghitung kewajiban pensiun yang liability recognised within the statement of
diakui pada laporan posisi keuangan. financial position.
112
Page 587
The original financial statements included herein are in
Indonesian language.
PT BANK VICTORIA INTERNATIONAL Tbk PT BANK VICTORIA INTERNATIONAL Tbk
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
Tanggal 31 Desember 2024 dan untuk As of December 31, 2024 and
Tahun yang Berakhir pada Tanggal tersebut for the Year Ended
(Disajikan dalam ribuan Rupiah, (Expressed in thousands of Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
24. LIABILITAS IMBALAN KERJA KARYAWAN 24. EMPLOYEE BENEFITS OBLIGATION (continued)
(lanjutan)
Imbalan kerja jangka panjang (lanjutan) Long term employee benefit (continued)
b. Liabilitas imbalan pasca kerja (lanjutan) b. Post-employment benefits liability
(continued)
Harapan umur hidup Life expectancy
Sebagian besar dari kewajiban program The majority of the plan’s obligations are to
menyediakan manfaat seumur hidup, sehingga provide benefits for the life of the member, so
kenaikan umur hidup akan mengakibatkan increases in life expectancy will result in an
kenaikan liabilitas program. increase in plan’s liabilities.
Sebagian besar dari kewajiban program The majority of the plan’s obligations are to
menyediakan manfaat seumur hidup, sehingga provide benefits for the life of the member, so
kenaikan umur hidup akan mengakibatkan increases in life expectancy will result in an
kenaikan liabilitas program. increase in plan’s liabilities.
Pada 31 Desember 2024 dan 2023, durasi rata- In December 31, 2024 and 2023, the weighted
rata tertimbang dari liabilitas imbalan pasti average duration of the defined benefit obligation
adalah 14,5 dan 16 tahun (tidak diaudit). are 14.5 and 16 years (unaudited).
Analisis jatuh tempo yang diharapkan dari Expected maturity analysis of employee
manfaat pensiun adalah sebagai berikut (tidak benefits are as follows (unaudited):
diaudit):
31 Desember/December 31,
2024 2023
Kurang dari 1 tahun 8.377.630 2.989.627 Less than 1 year
2 - 5 tahun 14.730.958 15.166.437 2 - 5 years
5 - 10 tahun 18.149.593 9.475.613 5 - 10 years
Lebih dari 10 tahun 12.745.126 12.205.834 Over 10 years
Jumlah 54.003.307 39.837.511 Total
25. MODAL SAHAM 25. SHARE CAPITAL
Susunan pemegang saham Bank masing-masing The Bank's shareholders as of December 31, 2024
pada tanggal 31 Desember 2024 dan 2023 and 2023 based on the report of PT Adimitra Jasa
berdasarkan laporan dari Biro Administrasi Efek Korpora, the Shares Registration Bureau, are as
PT Adimitra Jasa Korpora adalah sebagai berikut: follows:
31 Desember/December 31, 2024
Jumlah saham
ditempatkan
dan disetor Persentase
penuh/ kepemilikan/ Jumlah modal
Number of Percentage yang disetor/
shares issued of Total capital
Pemegang Saham and fully paid ownership (Rp) Shareholders
PT Victoria Investama Tbk 7.010.537.747 44,23 701.053.775 PT Victoria Investama Tbk
Suzanna Tanojo 3.066.411.303 19,35 306.641.130 Suzanna Tanojo
Masyarakat (masing-masing
di bawah 5%) 5.771.583.856 36,42 577.158.386 Public (individually less than 5%)
Jumlah 15.848.532.906 100,00 1.584.853.291 Total
113
Page 588
The original financial statements included herein are in
Indonesian language.
PT BANK VICTORIA INTERNATIONAL Tbk PT BANK VICTORIA INTERNATIONAL Tbk
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
Tanggal 31 Desember 2024 dan untuk As of December 31, 2024 and
Tahun yang Berakhir pada Tanggal tersebut for the Year Ended
(Disajikan dalam ribuan Rupiah, (Expressed in thousands of Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
25. MODAL SAHAM (lanjutan) 25. SHARE CAPITAL (continued)
Susunan pemegang saham Bank masing-masing The Bank's shareholders as of December 31, 2024
pada tanggal 31 Desember 2024 dan 2023 and 2023 based on the report of PT Adimitra Jasa
berdasarkan laporan dari Biro Administrasi Efek Korpora, the Shares Registration Bureau, are as
PT Adimitra Jasa Korpora adalah sebagai berikut: follows: (continued)
(lanjutan)
31 Desember/December 31, 2023
Jumlah saham
ditempatkan
dan disetor Persentase
penuh/ kepemilikan/ Jumlah modal
Number of Percentage yang disetor/
shares issued of Total capital
Pemegang Saham and fully paid ownership (Rp) Shareholders
PT Victoria Investama Tbk 7.010.537.747 44,24 701.053.775 PT Victoria Investama Tbk
Suzanna Tanojo 3.066.411.303 19,35 306.641.130 Suzanna Tanojo
PT Nata Patindo 48.823.665 0,31 4.882.367 PT Nata Patindo
Masyarakat (masing-masing
di bawah 5%) 5.722.463.063 36,10 572.246.306 Public (individually less than 5%)
Jumlah 15.848.235.778 100,00 1.584.823.578 Total
Mutasi jumlah saham yang ditempatkan dan disetor The movement in the number of shares issued and
penuh adalah sebagai berikut: fully paid are as follows:
Jumlah Saham/
Number of Shares
Saldo 1 Januari 2024 15.848.235.778 Balance as of January 1, 2024
Penambahan modal saham dari Additional of new shares from
penerbitan saham tanpa hak memesan 297.128 exercise of private placement
Saldo 31 Desember 2024 15.848.532.906 Balance as of December 31, 2024
Berdasarkan hasil Rapat Umum Pemegang Saham According to the results of the Annual General
Tahunan tanggal 3 Juni 2022 yang telah dituangkan Meeting of Shareholders on June 3, 2022 which has
dalam Akta Notaris No. 05 tanggal 3 Juni 2022, been stated in Notary Deed No. 05 dated
pemegang saham menyetujui rencana Penambahan June 3, 2022, the shareholders approved the plan to
Modal dengan Memberikan Hak Memesan Efek execute increase Share Issuance with
Terlebih Dahulu. Pre-emptive Rights.
Pada tanggal 31 Agustus 2022, Bank melakukan On August 31, 2022, the Bank issued shares for
penerbitan saham atas Penambahan Modal dengan Share Issuance with Pre-emptive Rights of
Hak Memesan Efek Terlebih Dahulu sebanyak 2,553,461,919 shares with an exercise price of
2.553.461.919 lembar saham dengan harga Rp150 (one hundred fifty Rupiah) per share or a total
pelaksanaan sebesar Rp150 (sembilan lima puluh of Rp383,019,288 (three hundred eighty three billion
rupiah) per saham atau seluruhnya sejumlah nineteen million two hundred and eighty-eight
Rp383.019.288 (tiga ratus delapan puluh tiga miliar thousand Rupiah) which has been entered into a
sembilan belas juta dua ratus delapan puluh delapan Bank’s account on August 31, 2022.
ribu rupiah) yang telah masuk dalam rekening bank
pada tanggal 31 Agustus 2022.
Peningkatan modal disetor ini telah dituangkan dalam This increase in paid-in capital has been stated in
Akta Notaris No. 1 tanggal 2 September 2022 dan Notarial Deed No. 1 dated September 2, 2022 and
telah diterima dan dicatat di dalam Sistem has been reported and accepted by Ministry of Law
Administrasi Badan Hukum Kementerian Hukum dan and Human Rights of the Republic of Indonesia
HAM berdasarkan surat No. AHU-AH.01.03-0287195 through its letter No. AHU-AH.01.03-0287195 dated
tanggal 3 September 2022. September 3, 2022.
114
Page 589
The original financial statements included herein are in
Indonesian language.
PT BANK VICTORIA INTERNATIONAL Tbk PT BANK VICTORIA INTERNATIONAL Tbk
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
Tanggal 31 Desember 2024 dan untuk As of December 31, 2024 and
Tahun yang Berakhir pada Tanggal tersebut for the Year Ended
(Disajikan dalam ribuan Rupiah, (Expressed in thousands of Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
25. MODAL SAHAM (lanjutan) 25. SHARE CAPITAL (continued)
Berdasarkan hasil Rapat Umum Pemegang Saham Based on the results of the Extraordinary General
Luar Biasa tanggal 19 Oktober 2022 yang telah Meeting of Shareholders on October 19, 2022 which
dituangkan dalam Akta Notaris No. 31 tanggal has been stated in Notary Deed No. 31 dated
19 Oktober 2022, pemegang saham menyetujui October 19, 2022, the shareholders approved the plan
rencana Penambahan Modal dengan Memberikan to increase capital by granting pre-emptive rights
Hak Memesan Efek Terlebih Dahulu disertai dengan accompanied by the issuance of Series VII Warrants
penerbitan Waran Seri VII (Catatan 26). (Note 26).
Pada tanggal 29 Desember 2022, Bank melakukan On December 29, 2022, the Bank issued shares for
penerbitan saham atas Penambahan Modal dengan Share Issuance with Pre-emptive Rights of
Hak Memesan Efek Terlebih Dahulu sebanyak 2,807,640,227 shares with an exercise price of Rp150
2.807.640.227 lembar saham dengan harga (one hundred fifty Rupiah) per share or a total of
pelaksanaan sebesar Rp150 (seratus lima puluh Rp421,146,034 (four hundred twenty one billion one
rupiah) per saham atau seluruhnya sejumlah hundred forty-six million thirty-four thousand Rupiah)
Rp421.146.034 (empat ratus dua puluh satu miliar which was entered into a Bank’s account on
seratus empat puluh enam juta tiga puluh empat ribu December 28, 2022 in conjunction with the issuance
rupiah) yang telah masuk dalam rekening bank pada of Series VII Warrants of 2,573,670,117 warrants with
tanggal 28 Desember 2022 disertai dengan an exercise price of Rp100 (one hundred Rupiah) per
penerbitan Waran Seri VII sebanyak 2.573.670.117 warrant.
waran dengan harga pelaksanaan sebesar Rp100
(seratus Rupiah) per waran.
Peningkatan modal disetor ini telah dituangkan dalam This increase in paid-in capital has been stated in
Akta Notaris No. 7 tanggal 29 Desember 2022 dan Notarial Deed No. 7 dated December 29, 2022 and
telah diterima dan dicatat di dalam has been reported and accepted by Ministry of Law
Sistem Administrasi Badan Hukum Kementerian and Human Rights of the Republic of Indonesia
Hukum dan HAM berdasarkan surat through its letter No. AHU-AH.01.03.0497387 dated
No. AHU-AH.01.03.0497387 tanggal 29 Desember December 29, 2022. Therefore, the number of issued
2022. Sehingga jumlah saham yang ditempatkan dan and fully paid shares on December 31, 2022 is
disetor penuh pada 31 Desember 2022 adalah 15,848,234,714 shares.
15.848.234.714 saham.
Pada tahun 2023, Bank menerbitkan 1.064 lembar In 2023, the Bank issued 1,064 shares originating
saham yang berasal dari hasil pelaksanaan Waran from the execution of Series VII Warrants in 2023, so
Seri VII pada tahun 2023 sehingga jumlah saham the total shares placed and fully paid as of December
yang ditempatkan dan disetor penuh pada 31, 2023 were 15,848,235,778 shares.
31 Desember 2023 adalah 15.848.235.778 saham.
Pada tahun 2024, Bank menerbitkan 297.128 lembar In 2024, the Bank issued 297,128 shares originating
saham yang berasal dari hasil pelaksanaan Waran from the execution of Series VII Warrants in 2024, so
Seri VII pada tahun 2024 sehingga jumlah saham the total shares placed and fully paid as of
yang ditempatkan dan disetor penuh pada December 31, 2024 were 15,848,532,906 shares
31 Desember 2024 adalah 15.848.532.906 saham (Notes 1b).
(Catatan 1b).
115
Page 590
The original financial statements included herein are in
Indonesian language.
PT BANK VICTORIA INTERNATIONAL Tbk PT BANK VICTORIA INTERNATIONAL Tbk
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
Tanggal 31 Desember 2024 dan untuk As of December 31, 2024 and
Tahun yang Berakhir pada Tanggal tersebut for the Year Ended
(Disajikan dalam ribuan Rupiah, (Expressed in thousands of Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
26. TAMBAHAN MODAL DISETOR DAN SETORAN 26. ADDITIONAL PAID-IN CAPITAL AND CAPITAL
MODAL DITERIMA DIMUKA RECEIVED IN ADVANCE
Tambahan modal disetor merupakan selisih antara The additional paid-in capital represent the excess of
jumlah yang diterima dari penerbitan saham dengan proceeds from issuance of shares with the par value
nilai nominal yang dicatat sebagai setoran modal. recorded as paid-in capital.
Pada 4 Juni 2022, Sistem Administrasi Badan Hukum On June 4, 2022, Legal Entity Administration System
Kementerian Hukum dan HAM berdasarkan surat of the Ministry of Law and Human Rights based on
No.AHU-0103473.AH.01.11 Tahun 2022, telah letter No.AHU-0103473.AH.01.11 Year 2022, the
mencatatkan peningkatan modal disetor Bank Bank’s paid-up capital increased to
menjadi Rp4.100.000.000.000,- (empat triliun Rp4,100,000,000,000.- (four trillion one hundred
seratus miliar Rupiah) (nilai penuh) saham masing- billion Rupiah) (full amount) shares each with nominal
masing dengan nilai nominal Rp100 (seratus Rupiah) of Rp100 (one hundred Rupiah) (full amount). This
(nilai penuh). Peningkatan modal disetor ini increase of paid-in capital is based on the results of
berdasarkan hasil Rapat Umum Pemegang Saham the Annual General Meeting of Shareholders as
Tahunan yang telah dituangkan dalam Akta Notaris stated in the Notarial Deed No. 7 on June 3, 2022.
No. 7 tanggal 3 Juni 2022.
Pada 22 Juni 2022, Bank menerima tambahan dana On June 22, 2022, the Bank received fund of capital
setoran modal diterima dimuka dari PT Victoria received in advance from PT Victoria Investama Tbk,
Investama Tbk, PT Bhuwanatala Indah Permai Tbk, PT Bhuwanatala Indah Permai Tbk, PT Victoria
PT Victoria Sekuritas Indonesia, PT Victoria Alife Sekuritas Indonesia, PT Victoria Alife Indonesia and
Indonesia, dan PT Emperor Finance Indonesia PT Emperor Finance Indonesia amounted to
dengan total seluruhnya sebesar Rp254.500.000.000 Rp254,500,000,000 (full amount) to fulfill the
(nilai penuh) dalam rangka pemenuhan modal inti minimum core capital requirement in accordance with
minimum berdasarkan POJK No. 12/POJK.03/2020 POJK No 12/POJK.03/2020 regarding Commercial
tentang Konsolidasi Bank Umum yang Bank Consolidation in accordance with
pelaksanaannya dilakukan sesuai dengan ketentuan POJK No.11/POJK.03/2016 regarding Liability for
POJK No. 11/POJK.03/2016 tentang Kewajiban Fulfillment of Minimum Capital of Commercial Bank
Penyediaan Modal Minimum Bank Umum tanggal dated January 29, 2016.
29 Januari 2016.
Pada tanggal 31 Agustus 2022 Bank melakukan On August 31, 2022 the Bank issued 2,553,461,919
penerbitan 2.553.461.919 lembar saham dengan shares with an exercise price of Rp150 (full amount)
harga pelaksanaan Rp150 (nilai penuh) per lembar per share. The total proceeds received from the
saham. Total penerimaan dana dari penerbitan issuance of these shares amounted to
saham tersebut adalah sebesar Rp383.019.288 Rp383,019,288 where the nominal value of the
dimana nilai nominal saham adalah sebesar shares was Rp255,346,192 therefore for the
Rp255.346.192 sehingga atas penerbitan saham issuance of these shares the Bank recorded
tersebut Bank mencatat tambahan modal disetor additional paid-in capital of Rp127,673,096.
sebesar Rp127.673.096.
Penerbitan saham ini mencakup konversi dana The issuance of these shares includes the conversion
setoran modal diterima dimuka yang telah diterima of capital received in advance from
dari PT Victoria Investama Tbk, PT Bhuwanatala PT Victoria Investama Tbk, PT Bhuwanatala Indah
Indah Permai Tbk, PT Victoria Sekuritas Indonesia, Permai Tbk, PT Victoria Sekuritas Indonesia,
PT Victoria Alife Indonesia dan PT Emperor Finance PT Victoria Alife Indonesia and PT Emperor Finance
menjadi saham dengan harga pelaksanaan Rp150 into shares with an exercise price of Rp150 (full
(nilai penuh) per saham dengan total seluruhnya amount) per share for a total of Rp312,450,000 so
Rp312.450.000 sehingga jumlah saham yang that the number of shares issued upon the conversion
diterbitkan atas konversi setoran modal diterima capital received in advance are 2,083,333,332
dimuka adalah sebanyak 2.083.333.332 lembar. shares. The conversion of capital received in advance
Konversi setoran modal diterima dimuka telah has been approved by Financial Services Authority
mendapatkan persetujuan dari Otoritas Jasa through letter No. S-69/PB.33/2022 dated July 4,
Keuangan melalui surat No. S-69/PB.33/2022 2022.
tanggal 4 Juli 2022.
116
Page 591
The original financial statements included herein are in
Indonesian language.
PT BANK VICTORIA INTERNATIONAL Tbk PT BANK VICTORIA INTERNATIONAL Tbk
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
Tanggal 31 Desember 2024 dan untuk As of December 31, 2024 and
Tahun yang Berakhir pada Tanggal tersebut for the Year Ended
(Disajikan dalam ribuan Rupiah, (Expressed in thousands of Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
26. TAMBAHAN MODAL DISETOR DAN SETORAN 26. ADDITIONAL PAID-IN CAPITAL AND CAPITAL
MODAL DITERIMA DIMUKA (lanjutan) RECEIVED IN ADVANCE (continued)
Pada tanggal 14 Oktober 2022, Bank menerima On October 14, 2022, the Bank received additional
tambahan dana setoran modal diterima dimuka dari capital received in advance from Suzanna Tanojo in
Suzanna Tanojo sebesar Rp200.000.000 dalam the amount of Rp200,000,000 in order to fulfill the
rangka pemenuhan modal inti minimum berdasarkan minimum core capital based on meeting the minimum
pemenuhan modal inti minimum berdasarkan core capital based on POJK No. 12/POJK.03/2020
POJKNo. 12/POJK.03/2020 tentang Konsolidasi concerning Consolidation of Commercial Banks, the
Bank Umum yang pelaksanaannya dilakukan sesuai implementation of which is carried out in accordance
dengan ketentuan POJK No.11/POJK.03/2016 with POJK provisions No. 11/POJK.03/2016
tentang Kewajiban Penyediaan Modal Minimum Bank concerning Minimum Capital Adequacy
Umum tanggal 29 Januari 2016. Requirements for Commercial Banks dated
January 29, 2016.
Berdasarkan hasil Rapat Umum Pemegang Saham Based on Extraordinary General Meeting of
Tahunan tanggal 19 Oktober 2022 yang telah dituang Shareholders on October 19, 2022 which has been
dalam Akta Notaris No. 32 tanggal 19 Oktober 2022 legalised through Notarial Deed No. 32 dated
pemegang saham menyetujui keputusan berikut: October 19, 2022, the shareholders agreed the
following decisions:
1. Menyetujui Penambahan modal dengan Hak 1. Approved additional capital with Pre-emptive
Memesan Efek Terlebih Dahulu (PMHMETD) Rights (PMHMETD) of maximum of
sebanyak-banyaknya 4.955.425.905 saham 4,955,425,905 shares with nominal value of
dengan nilai nominal Rp100 per saham, yang Rp100 per share along with issuance of for
disertai dengan penerbitan sebanyak- a maximum of 4,542,473,746 Warrant
banyaknya 4.542.473.746 Waran Seri VII. Series VII.
2. Menyetujui pemberian kuasa dan wewenang 2. Approved to grant power and authority to the
kepada Direksi Bank untuk: Board of Directors of Bank Victoria to:
· Menetapkan jumlah saham yang · Determine the number of shares offered in
ditawarkan dalam PMHMETD serta jumlah the PMHMETD and the number of Warrant
Waran Seri VII; Series VII;
· Menetapkan harga pelaksanaan · Determine the exercise price of PMHMETD
PMHMETD dan harga pelaksanaan Waran and exercise price for Warrants Series VII;
Seri VII;
· Melakukan segala tindakan yang · Implementation of PMHMETD and issuance
diperlukan dalam pelaksanaan PMHMETD of Series VII Warrants with due observance
dan penerbitan Waran Seri VII dengan of the applicable laws and regulations; and
memperhatikan peraturan perundang-
undangan yang berlaku; dan
· Melakukan peningkatan modal · Increase the issued and paid-up capital
ditempatkan dan modal disetor setelah after the implementation of the PMHMETD
pelaksanaan PMHMETD dan Waran Seri and Series VII Warrants and amending
VII dan mengubah Pasal 4 ayat 2 dan 3 Article 4 paragraphs 2 and 3 of Bank
Anggaran Dasar Bank Victoria. Victoria's Articles of Association.
117
Page 592
The original financial statements included herein are in
Indonesian language.
PT BANK VICTORIA INTERNATIONAL Tbk PT BANK VICTORIA INTERNATIONAL Tbk
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
Tanggal 31 Desember 2024 dan untuk As of December 31, 2024 and
Tahun yang Berakhir pada Tanggal tersebut for the Year Ended
(Disajikan dalam ribuan Rupiah, (Expressed in thousands of Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
26. TAMBAHAN MODAL DISETOR DAN SETORAN 26. ADDITIONAL PAID-IN CAPITAL AND CAPITAL
MODAL DITERIMA DIMUKA (lanjutan) RECEIVED IN ADVANCE (continued)
Pada tanggal 29 Desember 2022, Bank melakukan On December 29, 2022 the Bank issued
penerbitan 2.807.640.227 lembar saham dengan 2,807,640,227 shares with an exercise price of
harga pelaksanaan Rp150 (nilai penuh). Total Rp150 (full amount). The total receipt of funds from
penerimaan dana dari penerbitan saham tersebut the issuance of these shares amounted to
adalah sebesar Rp421.146.034 dimana nilai nominal Rp421,146,034 where the nominal value of the
saham adalah sebesar Rp280.764.022 sehingga shares was Rp280,764,022 so that for the issuance
atas penerbitan saham tersebut Bank mencatat of these shares the Bank recorded additional paid-in
tambahan modal disetor sebesar Rp140.382.012. capital of Rp140,382,012.
Penerbitan saham ini mencakup konversi atas dana The issuance of these shares includes the conversion
setoran modal diterima dimuka yang telah diterima of capital received in advance from
dari PT Victoria Investama Tbk dan Suzanna Tanojo PT Victoria Investama Tbk and Suzanna Tanojo into
menjadi saham dengan harga pelaksanaan Rp150 shares with an exercise price of Rp150 (full amount)
(nilai penuh) per saham dengan total seluruhnya per share for a total of Rp420,000,000 therefore the
Rp420.000.000 sehingga jumlah saham yang number of shares issued on the conversion of capital
diterbitkan atas konversi setoran modal diterima received in advance is 2,799,999,999 shares. The
dimuka adalah sebanyak 2.799.999.999 lembar conversion of capital received in advance has been
saham. Konversi setoran modal diterima dimuka approved by Financial Services Authority based on
telah mendapatkan persetujuan dari Otoritas Jasa approval letter No. S-120/PB.33/2022 dated
Keuangan berdasarkan surat persetujuan November 25, 2022.
No. S-120/PB.33/2022 tanggal 25 November 2022.
Mutasi tambahan modal disetor adalah sebagai The changes in additional paid-in capital are as
berikut: follows:
31 Desember/December 31,
2024 2023
Saldo awal 668.684.728 670.584.856 Beginning balance
Biaya emisi efek (313.918) (1.900.128) Issuance cost
Saldo akhir 668.370.810 668.684.728 Ending balance
27. PENGGUNAAN LABA BERSIH 27. APPROPRIATION OF INCOME
Penggunaan Laba Bersih Tahun 2024 Appropriation of 2024 Net Income
Berdasarkan Berita Acara Rapat Umum Pemegang Based on the Minutes of the Annual General Meeting
Saham Tahunan (RUPST) tanggal 14 Juni 2024 yang of Shareholders dated June 14, 2024, as stated in the
dinyatakan dalam Akta Notaris Fathiah Helmi, S.H. Notarial Deed of Fathiah Helmi, S.H. on the same
tanggal yang sama, Bank membukukan laba bersih date, the Bank recorded a net profit in 2023, and this
pada tahun 2023, dan dipergunakan untuk dana was used for general reserve funds and retained
cadangan umum dan laba ditahan. Dengan demikian earnings. Thus, the Bank did not distribute dividends
Bank tidak melakukan pembagian dividen untuk para to shareholders.
pemegang saham.
Penggunaan Laba Bersih Tahun 2023 Appropriation of 2023 Net Income
Berdasarkan Berita Acara Rapat Umum Pemegang Based on the Minutes of the Annual General Meeting
Saham Tahunan (RUPST) tanggal 26 Mei 2023 yang of Shareholders dated May 26, 2023, as stated in the
dinyatakan dalam Akta Notaris Fathiah Helmi, S.H. Notarial Deed of Fathiah Helmi, S.H. on the same
tanggal yang sama, Bank membukukan laba bersih date, the Bank recorded a net profit in 2022, and this
pada tahun 2022, dan dipergunakan untuk dana was used for general reserve funds and retained
cadangan umum dan laba ditahan. Dengan demikian earnings. Thus, the Bank did not distribute dividends
Bank tidak melakukan pembagian dividen untuk para to shareholders.
pemegang saham.
118
Page 593
The original financial statements included herein are in
Indonesian language.
PT BANK VICTORIA INTERNATIONAL Tbk PT BANK VICTORIA INTERNATIONAL Tbk
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
Tanggal 31 Desember 2024 dan untuk As of December 31, 2024 and
Tahun yang Berakhir pada Tanggal tersebut for the Year Ended
(Disajikan dalam ribuan Rupiah, (Expressed in thousands of Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
28. CADANGAN UMUM 28. GENERAL RESERVES
Pada tanggal 31 Desember 2024 dan 2023, Bank As of December 31, 2024 and 2023, the Bank had set
telah membentuk cadangan umum dan wajib sebesar up mandatory and general reserves amounting to
Rp227.200.000 dan Rp202.200.000. Kenaikan Rp227,200,000 and Rp202,200,000. The increase of
sebesar Rp25.000.000 merupakan penambahan Rp25,000,000 is an addition to the general reserve
cadangan umum yang disepakati melalui Rapat agreed upon at the Annual General Meeting of
Umum Pemegang Saham Tahunan (RUPST) pada Shareholders on May 26, 2023. The addition to the
tanggal 26 Mei 2023. Penambahan cadangan umum general reserve is outlined in the minutes of the
tertuang dalam akta Berita Acara Rapat Umum Annual General Meeting of Shareholders as stated in
Pemegang Saham Tahunan (RUPST) yang the Notarial Deed of Fatiah Helmi S.H. on the same
dinyatakan dalam Akta Notaris Fatiah Helmi S.H. date.
pada tanggal yang sama.
Cadangan umum dan wajib ini dibentuk sehubungan These general and legal reserve were provided in
dengan Undang-Undang Republik Indonesia relation with the Law of the Republic of Indonesia
No. 1/1995 yang telah digantikan dengan Undang- No. 1/1995 which has been replaced with the Law
Undang No. 40/2007 efektif tanggal 16 Agustus 2007 No. 40/2007 effective on August 16, 2007 regarding
mengenai Perseroan Terbatas, yang mengharuskan the Limited Liability Company which requires the
perusahaan-perusahaan untuk membuat penyisihan companies to set up a general reserve amounting to
cadangan umum sebesar sekurang-kurangnya 20% at least 20% of the issued and paid-up share capital.
dari jumlah modal yang ditempatkan dan disetor There is no timeline over which this amount should be
penuh. Undang-Undang tersebut tidak mengatur provided.
jangka waktu untuk membentuk cadangan tersebut.
29. PENDAPATAN BUNGA 29. INTEREST INCOME
Tahun yang berakhir
Pada tanggal 31 Desember/
Years ended December 31,
2024 2023
Pinjaman yang diberikan 1.664.126.311 1.477.526.055 Loans
Efek-efek 384.208.568 333.248.344 Marketable securities
Penempatan pada Bank Indonesia Placements with Bank Indonesia
dan bank lain 27.932.876 25.616.731 and other banks
Jumlah 2.076.267.755 1.836.391.130 Total
Berdasarkan pihak lawan By counterparties
31 Desember/December 31,
2024 2023
Pihak berelasi (Catatan 39) 13.330.213 26.236.406 Related party (Note 39)
Pihak ketiga 2.062.937.542 1.810.154.724 Third party
Jumlah 2.076.267.755 1.836.391.130 Total
119
Page 594
The original financial statements included herein are in
Indonesian language.
PT BANK VICTORIA INTERNATIONAL Tbk PT BANK VICTORIA INTERNATIONAL Tbk
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
Tanggal 31 Desember 2024 dan untuk As of December 31, 2024 and
Tahun yang Berakhir pada Tanggal tersebut for the Year Ended
(Disajikan dalam ribuan Rupiah, (Expressed in thousands of Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
30. BEBAN BUNGA 30. INTEREST EXPENSES
Tahun yang berakhir
Pada tanggal 31 Desember/
Years ended December 31,
2024 2023
Simpanan dana pihak ketiga Third party deposits
Deposito 970.785.454 831.833.370 Time deposits
Tabungan 156.618.299 135.286.864 Savings deposits
Giro 119.203.381 97.105.785 Demand deposits
Negotiable Certificate Deposit 33.718.644 18.551.748 Negotiable Certificate Deposits
Simpanan dari bank lain Deposits from other banks
Call money 41.748.265 22.623.590 Call money
Efek-efek yang diterbitkan 190.184.028 144.948.333 Securities issued
Efek-efek yang dijual dengan Securities sold under
janji dibeli kembali 7.533.032 1.929.650 repurchased agreement
Amortisasi emisi obligasi 7.876.104 5.382.435 Amortisation of bonds issuance cost
Jumlah 1.527.667.207 1.257.661.775 Total
Berdasarkan pihak lawan By counterparties
31 Desember/December 31,
2024 2023
Pihak berelasi (Catatan 39) 41.487.515 33.127.025 Related party (Note 39)
Pihak ketiga 1.486.179.692 1.224.534.750 Third party
Jumlah 1.527.667.207 1.257.661.775 Total
31. PENDAPATAN OPERASIONAL LAINNYA - LAIN- 31. OTHER OPERATING INCOME - OTHERS - NET
LAIN - BERSIH
Tahun yang berakhir
Pada tanggal 31 Desember/
Years ended December 31,
2024 2023
Penerimaan kembali aset yang Recovery of assets
telah dihapusbukukan 146.937.841 47.297.306 previously written-off
Pendapatan biaya administrasi Receipt of administrative charges
jasa perbankan 63.827.024 63.414.450 for banking services
Keuntungan transaksi spot 36.830.945 35.422.092 Gain from spot transaction
Keuntungan transaksi swap 34.982.500 11.313.000 Gain from swap transaction
Komisi atas Internet dan Commission on Internet
Mobile Banking 5.338.227 5.719.435 and Mobile Banking
Pendapatan rekening tidak aktif, Income from inactive accounts,
denda saldo minimum, minimum deposit penalty,
dan penggantian buku 4.323.128 8.807.499 saving account replacement
Denda keterlambatan 4.214.074 8.322.473 Penalty income
Pendapatan administrasi Other administrative
operasional lainnya 4.133.325 5.907.880 operational income
Laba transaksi forward 1.174.315 1.559.855 Forward transaction profits
Keuntungan yang belum Unrealised gain from
terealisasi transaksi derivatif 795.408 202.833 derivatives transactions
Pendapatan dari transaksi ATM 543.834 709.523 Income from ATM transaction
Pendapatan transaksi Income from letter of credit
letter of credit 528.999 282.474 transactions
Pendapatan transaksi BI-FAST 5.118 3.364 Income from BI-FAST transactions
Jumlah 303.634.738 188.962.184 Total
120
Page 595
The original financial statements included herein are in
Indonesian language.
PT BANK VICTORIA INTERNATIONAL Tbk PT BANK VICTORIA INTERNATIONAL Tbk
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
Tanggal 31 Desember 2024 dan untuk As of December 31, 2024 and
Tahun yang Berakhir pada Tanggal tersebut for the Year Ended
(Disajikan dalam ribuan Rupiah, (Expressed in thousands of Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
32. BEBAN/(PENDAPATAN) PENYISIHAN 32. PROVISION FOR IMPAIRMENT LOSSES
KERUGIAN PENURUNAN NILAI ASET EXPENSES/(INCOME) ON FINANCIAL AND NON-
KEUANGAN DAN NON-KEUANGAN FINANCIAL ASSETS
Beban/(pendapatan) penyisihan kerugian penurunan Provision for impairment losses expenses/(income)
nilai aset keuangan: on financial assets are as follows:
Tahun yang berakhir
Pada tanggal 31 Desember/
Years ended December 31,
2024 2023
Pinjaman yang diberikan 190.930.041 245.414.162 Loans
Pendapatan bunga masih Interest income receivables
akan diterima (Catatan 10) 17.523.019 (3.814.474) (Note 10)
Aset lain-lain 824.948 206.792 Other assets
Bank Garansi 723.035 306.126 Bank Guarantee
Efek-efek (7.958.551) 396.514 Marketable securities
Jumlah 202.042.492 242.509.120 Total
Beban penyisihan kerugian penurunan nilai aset Provision of for impairment losses of non-financial
non-keuangan: assets:
Tahun yang berakhir
Pada tanggal 31 Desember/
Years ended December 31,
2024 2023
Agunan yang diambil alih (86.739.397) (54.964.162) Foreclosed assets
33. BEBAN UMUM DAN ADMINISTRASI 33. GENERAL AND ADMINISTRATIVE EXPENSES
Tahun yang berakhir
Pada tanggal 31 Desember/
Years ended December 31,
2024 2023
Premi penjaminan 43.691.208 41.124.423 Insurance premium
Jasa profesional 26.861.944 8.834.519 Professional fees
Penyusutan dan amortisasi 24.481.421 21.974.327 Depreciation and amortization
Pungutan OJK tahunan 14.992.416 12.691.827 Annual fee OJK
Pengembangan teknologi 11.940.259 5.968.971 Technology development
Pemeliharaan dan perbaikan 11.836.879 7.521.077 Repairs and maintenance
Sewa gedung dan kendaraan 11.780.398 12.237.699 Building and vehicle rental
Biaya Internet dan Mobile Banking 9.636.295 10.819.246 Internet and Mobile Banking expenses
Iklan dan promosi 9.339.624 6.633.047 Advertising and promotion
Pendidikan dan pengembangan 6.110.172 4.955.120 Study and development
Telepon, telex dan faksimili 5.770.361 5.780.067 Telephone, telex and faximile
Asuransi 4.897.338 6.485.461 Insurance
Beban bunga atas liabilitas sewa 4.117.817 2.854.679 Interest expense of lease liabilities
Biaya jasa pihak ketiga 3.294.180 2.181.896 Third-party fee
Amortisasi aset tak berwujud 2.986.566 1.627.621 Amortisation of intangible assets
Barang cetakan dan alat tulis 2.724.187 1.970.579 Printing items and stationery
Pemakaian listrik, gas dan air minum 2.335.306 2.266.453 Electricity, gases and waters
Biaya umum lainnya 2.117.294 326.578 Other general expenses
Transportasi 1.839.235 1.174.517 Transportation
Biaya tanggung jawab sosial perusahaan 1.208.652 179.611 Corporate social responsibility expense
Biaya iuran lainnya 1.127.247 1.005.878 Other contribution fees
Biaya kurir 160.489 84.565 Courier expenses
Pemasaran 71.102 141.150 Marketing
Surat kabar dan majalah 43.154 44.294 Newspaper and magazines
Benda pos dan materai 19.315 16.241 Postage and stamp
Jumlah 203.382.859 158.899.846 Total
121
Page 596
The original financial statements included herein are in
Indonesian language.
PT BANK VICTORIA INTERNATIONAL Tbk PT BANK VICTORIA INTERNATIONAL Tbk
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
Tanggal 31 Desember 2024 dan untuk As of December 31, 2024 and
Tahun yang Berakhir pada Tanggal tersebut for the Year Ended
(Disajikan dalam ribuan Rupiah, (Expressed in thousands of Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
33. BEBAN UMUM DAN ADMINISTRASI (lanjutan) 33. GENERAL AND ADMINISTRATIVE EXPENSES
(continued)
Biaya umum lainnya terutama terdiri dari biaya Other general expenses mainly consist of security
keamanan dan kebersihan, biaya fotokopi, biaya alat and cleaning expenses, cleaning equipment
kebersihan, biaya makelar dan administrasi bank expenses, broker, and bank charges with insignificant
yang secara individual nilainya tidak signifikan. individual balances.
34. BEBAN TENAGA KERJA 34. PERSONNEL EXPENSES
Tahun yang berakhir
Pada tanggal 31 Desember/
Years ended December 31,
2024 2023
Gaji dan tunjangan 128.235.988 116.870.901 Salaries and allowance
Tunjangan Hari Raya dan bonus 20.282.112 16.022.794 Holiday entitlements and bonuses
Biaya jasa tenaga kerja 10.860.684 10.130.122 Outsourcing service expenses
Imbalan pasca kerja 10.183.947 8.187.626 Post-employment benefits
Biaya jaminan kesehatan dan pensiun 3.931.446 3.174.692 Health and pension insurance
Pesangon dan biaya Severance pay and other
apresiasi lainnya 1.551.547 2.219.540 appreciation expense
Lembur 573.351 549.835 Overtime
Jumlah 175.619.075 157.155.510 Total
Termasuk dalam beban tenaga kerja adalah Included in the personnel expenses are
kompensasi yang diberikan kepada manajemen dan compensation to key management and employees
karyawan kunci (Catatan 39). (Note 39).
35. BEBAN OPERASIONAL LAINNYA - LAIN-LAIN 35. OTHER OPERATING EXPENSES - OTHERS
Tahun yang berakhir
Pada tanggal 31 Desember/
Years ended December 31,
2024 2023
Rugi transaksi valuta asing 69.013.125 53.724.747 Loss on foreign exchange transaction
Rugi atas modifikasi pinjaman
yang diberikan 28.507.017 48.938.923 Loss on loan modification
Beban administrasi dan kliring 6.005.678 7.182.754 Administration and clearing expenses
Kerugian belum direalisasi atas Unrealised loss from
transaksi derivatif 4.007.100 74.058 derivatives transactions
Beban membership ATM dan ATM membership and annual
iuran tahunan ATM 3.777.828 4.147.620 fee ATM expenses
Biaya penghapus-bukuan Loan insurance receivables
tagihan asuransi kredit 2.372.473 2.547.631 write-off expenses
Biaya provisi dan komisi dana 1.714.315 1.280.393 Provision and commission funds
Beban pajak 1.555.767 6.486.145 Tax expenses
Beban parkir dan tol 1.081.773 1.096.489 Parking and toll expenses
Beban pemasaran 608.113 324.360 Marketing expenses
Beban representasi Representation and
dan jamuan 403.297 246.227 entertainment expenses
Beban keperluan kantor 152.600 138.104 Office supplies expenses
Beban sumbangan 33.600 77.050 Donation expenses
Biaya operasional lainnya 327.491 212.049 Other operational expenses
Jumlah 119.560.177 126.476.550 Total
122
Page 597
The original financial statements included herein are in
Indonesian language.
PT BANK VICTORIA INTERNATIONAL Tbk PT BANK VICTORIA INTERNATIONAL Tbk
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
Tanggal 31 Desember 2024 dan untuk As of December 31, 2024 and
Tahun yang Berakhir pada Tanggal tersebut for the Year Ended
(Disajikan dalam ribuan Rupiah, (Expressed in thousands of Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
36. BEBAN (PENDAPATAN) NON-OPERASIONAL - 36. NON-OPERATING EXPENSES (INCOME) - NET
BERSIH
Tahun yang berakhir
Pada tanggal 31 Desember/
Years ended December 31,
2024 2023
Pendapatan non-operasional: Non-operating income:
Hasil sewa (179.280) (156.735) Rent income
Pendapatan lainnya (4.479.589) (11.863.284) Others
Beban non-operasional: Non-operating expense:
Rugi penjualan AYDA 132.435.515 49.920.048 Loss on sale of foreclosed assets
Penurunan nilai aset tetap Impairment of fixed assets
(Catatan 14) 10.176.913 1.450.000 (Note 14)
Rugi penjualan aset tetap Loss on sale of fixed assets
(Catatan 14) 1.600.153 3.636.801 (Note 14)
Rugi/(laba) revaluasi Loss/(gain) on foreign
valuta asing 935.554 (8.225.193) exhange revaluation
Rugi penjualan properti terbengkalai - 2.318.310 Loss on sale of abandoned property
Beban non-operasional lainnya 3.820.658 7.454.960 Other non-operational expenses
Beban non-operasional - bersih 144.309.924 44.534.907 Non-operating expenses - net
Pendapatan lainnya terutama terdiri dari diskon Other income mainly consist of discount on voucher
pembelian kupon belanja, dan selisih lebih cash purchase, and difference in cash count.
count.
Beban non operasional lainnya terutama terdiri dari Other non-operational expenses mainly consist of
biaya hadiah hari raya, denda-denda, sumbangan holiday gift, fines, donation, and penalty with
dan sanksi yang secara individual nilainya tidak insignificant individual balances.
signifikan.
37. LABA PER SAHAM 37. INCOME PER SHARE
Laba per saham dasar dihitung dengan membagi Basic income per share is calculated by dividing the
laba tahun berjalan yang dapat diatribusikan kepada income for the year attributable to the Bank’s
pemilik Bank dengan jumlah rata-rata tertimbang shareholders with the weighted-average number of
saham biasa yang beredar pada tahun bersangkutan. ordinary shares outstanding during the year.
Laba per saham dilusian dihitung dengan membagi Diluted income per share is calculated by dividing net
laba bersih dengan rata-rata tertimbang jumlah income by the weighted average number of shares
saham yang beredar ditambah dengan rata-rata outstanding plus the weighted average number of
tertimbang jumlah saham yang akan diterbitkan atas shares outstanding which would be issued on the
konversi efek yang berpotensi saham yang bersifat conversion of the dilutive potential shares.
dilutif.
123
Page 598
The original financial statements included herein are in
Indonesian language.
PT BANK VICTORIA INTERNATIONAL Tbk PT BANK VICTORIA INTERNATIONAL Tbk
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
Tanggal 31 Desember 2024 dan untuk As of December 31, 2024 and
Tahun yang Berakhir pada Tanggal tersebut for the Year Ended
(Disajikan dalam ribuan Rupiah, (Expressed in thousands of Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
37. LABA PER SAHAM (lanjutan) 37. INCOME PER SHARE (continued)
Tahun yang berakhir
Pada tanggal 31 Desember/
Years ended December 31,
2024 2023
Laba tahun berjalan yang Income for the year
dapat diatribusikan kepada pemilik attributable to equity holders of the
Entitas Induk untuk Parent Company to be accounted
perhitungan laba per saham for basic and diluted earnings
dasar dan dilusian 117.859.238 101.816.341 per share
Jumlah rata-rata tertimbang Weighted-average common stock
saham biasa untuk for computation of basic
perhitungan laba per saham dasar 15.848.529 15.848.235 earnings per share
Jumlah waran yang beredar Outstanding warrants for
untuk perhitungan laba computation of
per saham 2.573.372 2.573.669 basic earnings per share
Jumlah rata-rata tertimbang Weighted-average common stock
saham biasa untuk perhitungan for computation of diluted
laba per saham dilusian 15.848.529 15.848.235 earnings per share
Laba per saham dasar Basic income per share
(dalam Rupiah penuh) 7,44 6,42 (in Rupiah full amount)
Laba per saham dasar dilusian Diluted income per share
(dalam Rupiah penuh) 7,44 6,42 (in Rupiah full amount)
38. TRANSAKSI NON-KAS 38. NON-CASH TRANSACTIONS
Transaksi non-kas dari rekonsiliasi liabilitas yang Non-cash transaction from net debt reconciliation
timbul dari aktivitas pendanaan adalah sebagai affected from financing activities as it follows:
berikut:
31 Desember/December 31, 2024
Perubahan
Saldo awal/ Arus kas/ non-kas/ Saldo akhir/
Beginning Balance Cash flow Non-cash activity Ending Balance
Efek-efek yang diterbitkan 1.347.639.528 950.000.000 (8.226.879) 2.289.412.649 Securities Issued
Liabilitas sewa 47.309.526 (12.635.205) 5.136.983 39.811.304 Lease liabilities
Jumlah 1.394.949.054 937.364.795 (3.089.896) 2.329.223.953 Total
31 Desember/December 31, 2023
Perubahan
Saldo awal/ Arus kas/ non-kas/ Saldo akhir/
Beginning Balance Cash flow Non-cash activity Ending Balance
Efek-efek yang diterbitkan 1.051.903.552 300.000.000 (4.264.024) 1.347.639.528 Securities Issued
Liabilitas sewa 33.100.288 (10.757.017) 24.966.255 47.309.526 Lease liabilities
Jumlah 1.085.003.840 289.242.983 20.702.231 1.394.949.054 Total
124
Page 599
The original financial statements included herein are in
Indonesian language.
PT BANK VICTORIA INTERNATIONAL Tbk PT BANK VICTORIA INTERNATIONAL Tbk
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
Tanggal 31 Desember 2024 dan untuk As of December 31, 2024 and
Tahun yang Berakhir pada Tanggal tersebut for the Year Ended
(Disajikan dalam ribuan Rupiah, (Expressed in thousands of Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
39. INFORMASI MENGENAI PIHAK-PIHAK BERELASI 39. INFORMATION OF RELATED PARTIES
Sifat Hubungan Nature of Relationship
Pihak-pihak berelasi adalah perusahaan dan Related parties are companies and individuals who
perorangan yang mempunyai keterkaitan have ownership or management relationship directly
kepemilikan atau kepengurusan secara langsung or indirectly with the Bank as stated in Note 2af.
maupun tidak langsung dengan Bank sebagaimana
diungkapkan pada Catatan 2af.
Pihak berelasi/ Sifat dari hubungan/ Sifat dari transaksi/
Related parties Nature of relationship Nature of transaction
PT Victoria Investama Tbk Pemegang saham/Shareholder Simpanan nasabah, pinjaman yang
diberikan/Deposits from customers,
loans
PT Bank Victoria Syariah Entitas asosiasi/Associate entity Simpanan dari bank lain/Deposits
from other banks
PT Victoria Sekuritas Indonesia Dimiliki oleh pemegang saham Simpanan nasabah/Deposits from
utama/Under common control customers
PT Victoria Insurance Dimiliki oleh pemegang saham Simpanan nasabah,pinjaman yang
utama/Under common control Diberikan, asuransi aset
tetap dan asuransi kas/
Deposits from customers,
loans, fixed assets insurance
and cash insurance
PT Victoria Alife Dimiliki oleh pemegang saham Simpanan nasabah/Deposits from
utama/Under common control customers
PT Victoria Manajemen Investasi Dimiliki oleh pemegang saham Simpanan nasabah/Deposits from
utama/Under common control customers
PT Merak Energi Indonesia Dimiliki oleh pemegang saham Simpanan nasabah, pinjaman yang
utama/Under common control diberikan/Deposits from customers,
loans
PT Tridaya Investindo (d/h Dimiliki oleh pemegang saham Simpanan nasabah, pinjaman yang
PT BIP Tridaya Propertindo) utama/Under common control diberikan/Deposits from customers,
loans
PT Grha Swahita Dimiliki oleh pemegang saham Simpanan nasabah, pinjaman yang
utama/Under common control diberikan/Deposits from customers,
loans
PT Padi Unggul Indonesia Dimiliki oleh pemegang saham Simpanan nasabah/ Deposit from
utama/Under common control customers
PT BIP Loka Kencana Dimiliki oleh pemegang saham Simpanan nasabah/Deposits from
utama/Under common control customers
PT BIP Sentosa Dimiliki oleh pemegang saham Simpanan nasabah/Deposits from
utama/Under common control customers
PT Studio One Dimiliki oleh pemegang saham Simpanan nasabah/Deposits from
utama/Under common control customers
PT Asri Kencana Gemilang Dimiliki oleh pemegang saham Simpanan nasabah/Deposits from
utama/Under common control customers
PT Artoda Karya Gemilang Dimiliki oleh pemegang saham Simpanan nasabah/Deposits from
utama/Under common control customers
125
Page 600
The original financial statements included herein are in
Indonesian language.
PT BANK VICTORIA INTERNATIONAL Tbk PT BANK VICTORIA INTERNATIONAL Tbk
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
Tanggal 31 Desember 2024 dan untuk As of December 31, 2024 and
Tahun yang Berakhir pada Tanggal tersebut for the Year Ended
(Disajikan dalam ribuan Rupiah, (Expressed in thousands of Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
39. INFORMASI MENGENAI PIHAK-PIHAK BERELASI 39. INFORMATION OF RELATED PARTIES
(lanjutan) (continued)
Pihak berelasi/ Sifat dari hubungan/ Sifat dari transaksi/
Related parties Nature of relationship Nature of transaction
PT Bhuwanatala Indah Permai Dimiliki oleh pemegang saham Simpanan nasabah/Deposits from
utama/Under common control customers
PT Frogurt Sari Indonesia Dimiliki oleh pemegang saham Simpanan nasabah/Deposits from
utama/Under common control customers
PT Emperor Finance Indonesia Dimiliki oleh pemegang saham Simpanan nasabah/Deposits from
utama/Under common control customers
PT Grata Mulia Pratama Dimiliki oleh pemegang saham Simpanan nasabah/Deposits from
utama/Under common control customers
PT Putra Asih Laksana Dimiliki oleh pemegang saham Simpanan nasabah/Deposits from
utama/Under common control customers
PT Suryayudha Investindo Cipta Dimiliki oleh pemegang saham Simpanan nasabah/Deposits from
utama/Under common control customers
PT GMT Investama Mandiri Tbk Dimiliki oleh pemegang saham Simpanan nasabah/Deposits from
utama/Under common control customers
PT Dwimagna Kapital Dimiliki oleh pemegang saham Simpanan nasabah/Deposits from
utama/Under common control customers
PT Magna Investa Mandiri Dimiliki oleh pemegang saham Simpanan nasabah/Deposits from
utama/Under common control customers
PT Bintang Jaya Bara Sentosa Dimiliki oleh pemegang saham Simpanan nasabah/Deposits from
utama/Under common control customers
PT BIP Boga Entertainment Dimiliki oleh pemegang saham Simpanan nasabah/Deposits from
utama/Under common control customers
PT BIP Boga Permai Dimiliki oleh pemegang saham Simpanan nasabah/Deposits from
utama/Under common control customers
PT Bumi Semesta Lestari Dimiliki oleh pemegang saham Simpanan nasabah/Deposits from
utama/Under common control customers
PT Prolestari Mega Persada Dimiliki oleh pemegang saham Simpanan nasabah/Deposits from
utama/Under common control customers
PT Regis Pratama Indonesia Dimiliki oleh pemegang saham Simpanan nasabah/Deposits from
utama/Under common control customers
PT Surya Cakra Multi Sarana Dimiliki oleh pemegang saham Simpanan nasabah/Deposits from
utama/Under common control customers
PT Verena Kapital Dimiliki oleh pemegang saham Simpanan nasabah/Deposits from
utama/Under common control customers
PT Sulfindo Adiusaha Dimiliki oleh pemegang saham Simpanan nasabah, pinjaman yang
utama/Under common control diberikan/Deposits from customers,
loans
126
Page 601
The original financial statements included herein are in
Indonesian language.
PT BANK VICTORIA INTERNATIONAL Tbk PT BANK VICTORIA INTERNATIONAL Tbk
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
Tanggal 31 Desember 2024 dan untuk As of December 31, 2024 and
Tahun yang Berakhir pada Tanggal tersebut for the Year Ended
(Disajikan dalam ribuan Rupiah, (Expressed in thousands of Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
39. INFORMASI MENGENAI PIHAK-PIHAK BERELASI 39. INFORMATION OF RELATED PARTIES
(lanjutan) (continued)
Pihak berelasi/ Sifat dari hubungan/ Sifat dari transaksi/
Related parties Nature of relationship Nature of transaction
PT Nata Patindo Pemegang saham/Shareholder Simpanan nasabah/Deposits from
customers
Suzanna Tanojo Pemegang saham pengendali/ Simpanan nasabah/Deposits from
Controlling Shareholder customers
Luciana Tanoyo Hubungan keluarga dengan Suzanna Simpanan nasabah/Deposits from
Tanojo/Relative of Suzanna Tanojo customers
Dewan Komisaris, Direksi dan pejabat Manajemen dan karyawan kunci/ Simpanan nasabah, pinjaman yang
eksekutif Bank/Board of Key management and employees diberikan/Deposits from customers,
Commissioners, Directors and loans
executive officers of the Bank
Dewan Komisaris, Direksi dan pejabat Manajemen dan karyawan kunci/ Simpanan nasabah, pinjaman yang
Eksekutif Entitas Asosiasi/Board of Key management and employees diberikan/Deposits from customers,
Commissioners, Directors and loans
executive officers of Associated Entity
Transaksi dengan pihak-pihak berelasi Transactions with related parties
Transaksi-transaksi dengan pihak-pihak berelasi Transactions with related parties are as follows:
adalah sebagai berikut:
31 Desember/December 31,
2024 2023
Aset Assets
Pinjaman yang diberikan - bruto
(Catatan 11) Loans - gross (Note 11)
PT Sulfindo Adiusaha 78.087.258 91.067.628 PT Sulfindo Adiusaha
PT Grha Swahita 23.722.610 20.031.085 PT Grha Swahita
PT Merak Energi Indonesia 17.974.599 - PT Merak Energi Indonesia
PT Victoria Investama Tbk - 24.301.030 PT Victoria Investama Tbk
PT Victoria Insurance Indonesia Tbk - 286.816 PT Victoria Insurance Indonesia Tbk
PT Cahaya Medika Health Care - 21.130 PT Cahaya Medika Health Care
PT Jaya Bhakti Mandiri - 12.568 PT Jaya Bhakti Mandiri
Boards of Commissioners,
Dewan Komisaris, Direksi dan Directors and executive
pejabat eksekutif Entitas Asosiasi 1.617.225 5.358.779 officers of Associated Entity
Dewan Komisaris, Direksi dan Boards of Commissioners, Directors
pejabat eksekutif Bank 2.065.419 2.817.405 and executive officers of the Bank
Jumlah pinjaman
yang diberikan - bruto 123.467.111 143.896.441 Total loans - gross
Persentase terhadap jumlah aset 0,40% 0,49% Percentage from total assets
127
Page 602
The original financial statements included herein are in
Indonesian language.
PT BANK VICTORIA INTERNATIONAL Tbk PT BANK VICTORIA INTERNATIONAL Tbk
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
Tanggal 31 Desember 2024 dan untuk As of December 31, 2024 and
Tahun yang Berakhir pada Tanggal tersebut for the Year Ended
(Disajikan dalam ribuan Rupiah, (Expressed in thousands of Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
39. INFORMASI MENGENAI PIHAK-PIHAK BERELASI 39. INFORMATION OF RELATED PARTIES
(lanjutan) (continued)
Transaksi dengan pihak-pihak berelasi (lanjutan) Transactions with related parties (continued)
Transaksi-transaksi dengan pihak-pihak berelasi Transactions with related parties are as follows:
adalah sebagai berikut: (lanjutan) (continued)
31 Desember/December 31,
2024 2023
Liabilitas Liabilities
Simpanan nasabah (Catatan 18) Deposits from customers (Note 18)
Giro 209.682.617 652.841.415 Demand deposits
Tabungan 33.955.891 27.996.913 Savings deposits
Deposito berjangka 323.392.414 618.884.872 Time deposits
Negotiable Certificate Deposit 104.919.517 98.246.827 Negotiable Certificate Deposits
Jumlah simpanan nasabah 671.950.439 1.397.970.027 Total deposits from customers
Simpanan dari Bank Lain (Catatan 19) Deposits from other banks (Note 19)
Giro 532.305 478.732 Demand deposits
Efek-efek yang diterbitkan (Catatan 21) 147.885.000 92.730.000 Securities issued (Note 21)
Jumlah 820.367.744 1.491.178.759 Total
Persentase terhadap jumlah liabilitas 3,03% 5,42% Percentage from total liabilities
Pendapatan bunga (Catatan 29) Interest income (Note 29)
PT Sulfindo Adiusaha 7.948.007 5.781.638 PT Sulfindo Adiusaha
PT Grha Swahita 3.652.001 17.470.235 PT Grha Swahita
PT Merak Energi Indonesia 1.365.636 - PT Merak Energi Indonesia
PT Cahaya Medika Health Care 2.887 1.802 PT Cahaya Medika Health Care
PT Victoria Insurance Indonesia Tbk 2.053 19.520 PT Victoria Insurance Indonesia Tbk
PT Jaya Bhakti Mandiri 1.730 1.046 PT Jaya Bhakti Mandiri
PT Victoria Investama Tbk - 2.419.518 PT Victoria Investama Tbk
PT Victoria Sekuritas Indonesia - 43.450 PT Victoria Sekuritas Indonesia
Boards of Commissioners,
Dewan Komisaris, Direksi dan Directors and executive
pejabat eksekutif Entitas Asosiasi 310.571 284.719 officers of Associated Entity
Dewan Komisaris, Direksi dan Boards of Commissioners, Directors
pejabat eksekutif Bank 47.328 214.478 and executive officers of the Bank
Jumlah 13.330.213 26.236.406 Total
Persentase terhadap jumlah Percentage from
pendapatan bunga 0,64% 1,42% total interest income
128
Page 603
The original financial statements included herein are in
Indonesian language.
PT BANK VICTORIA INTERNATIONAL Tbk PT BANK VICTORIA INTERNATIONAL Tbk
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
Tanggal 31 Desember 2024 dan untuk As of December 31, 2024 and
Tahun yang Berakhir pada Tanggal tersebut for the Year Ended
(Disajikan dalam ribuan Rupiah, (Expressed in thousands of Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
39. INFORMASI MENGENAI PIHAK-PIHAK BERELASI 39. INFORMATION OF RELATED PARTIES
(lanjutan) (continued)
Transaksi dengan pihak-pihak berelasi (lanjutan) Transactions with related parties (continued)
Transaksi-transaksi dengan pihak-pihak berelasi Transactions with related parties are as follows:
adalah sebagai berikut: (lanjutan) (continued)
31 Desember/December 31,
2024 2023
Beban bunga (Catatan 30) Interest expenses (Note 30)
Giro 13.215.461 9.156.511 Demand deposits
Tabungan 798.248 1.556.192 Savings deposits
Deposito berjangka 27.473.806 22.414.322 Time deposits
Jumlah 41.487.515 33.127.025 Total
Persentase terhadap jumlah Percentage from total interest
beban bunga 2,72% 2,63% expenses
Beban tenaga kerja (Catatan 34) Personnel expenses (Note 34)
Gaji dan tunjangan Dewan Salaries and allowances of the Boards of
Komisaris 4.973.541 4.955.125 Commissioners
Gaji dan tunjangan Dewan Salaries and allowances of the Boards of
Direksi 16.706.700 16.956.764 Directors
Gaji dan tunjangan Pejabat Salaries and allowances of the Executive
Eksekutif 28.829.719 23.410.812 Officers
Jumlah 50.509.960 45.322.701 Total
Persentase terhadap jumlah Percentage from
beban tenaga kerja 28,76% 28,84% total personnel expenses
Liabilitas komitmen dan Liabilities commitments and
kontinjensi (Catatan 40) contingencies (Note 40)
Fasilitas pinjaman yang belum
digunakan Unused loans facilities
PT Grha Swahita (166.240) (5.730.535) PT Grha Swahita
PT Cahaya Medika Health Care - (978.870) PT Cahaya Medika Health Care
PT Jaya Bhakti Mandiri - (737.431) PT Jaya Bhakti Mandiri
PT Victoria Investama Tbk - (698.970) PT Victoria Investama Tbk
Dewan Komisaris, Direksi dan Boards of Commissioners, Directors
Pejabat eksekutif Bank - (7.000.000) and executive officers of the Bank
Dewan Komisaris, Direksi dan Boards of Commissioners, Directors
pejabat eksekutif and executive officers of
Entitas Asosiasi (3.433.804) (1.891.324) Associated Entity
Garansi yang diterbitkan - Guarantees issued -
pihak berelasi related parties
PT Victoria Alife Indonesia (271.300) (271.300) PT Victoria Alife Indonesia
Jumlah (3.871.344) (17.308.430) Total
Persentase terhadap jumlah liabilitas Percentage from total commitments
komitmen dan kontinjensi - bersih 0,08% 0,28% and contingencies liabilities - net
129
Page 604
The original financial statements included herein are in
Indonesian language.
PT BANK VICTORIA INTERNATIONAL Tbk PT BANK VICTORIA INTERNATIONAL Tbk
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
Tanggal 31 Desember 2024 dan untuk As of December 31, 2024 and
Tahun yang Berakhir pada Tanggal tersebut for the Year Ended
(Disajikan dalam ribuan Rupiah, (Expressed in thousands of Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
39. INFORMASI MENGENAI PIHAK-PIHAK BERELASI 39. INFORMATION OF RELATED PARTIES
(lanjutan) (continued)
Transaksi dengan pihak-pihak berelasi (lanjutan) Transactions with related parties (continued)
Transaksi-transaksi dengan pihak-pihak berelasi Transactions with related parties are as follows:
adalah sebagai berikut: (lanjutan) (continued)
Tabel berikut merupakan kisaran tingkat suku bunga The following table summarises the range of
kontraktual per tahun atas transaksi dengan pihak- contractual interest rates per annum for transactions
pihak berelasi untuk tahun yang berakhir pada with related parties for the years ended December 31,
tanggal 31 Desember 2024 dan 2023 : 2024 and 2023:
Tingkat suku bunga per 31 Desember/
Interest rate as of December 31,
2024 2023
Aset Assets
Pinjaman yang diberikan - bersih
(Catatan 11) 5,25% - 10,50% 5,00% - 13,00% Loans - net (Note 11)
Liabilitas Liabilities
Simpanan nasabah (Catatan 18) Deposits from customers (Note 18)
Giro 0,00% - 6,50% 0,00% - 5,75% Demand deposits
Tabungan 0,00% - 5,00% 0,00% - 5,00% Savings deposits
Deposito berjangka 0,25% - 8,00% 2,25% - 7,00% Time deposits
Negotiable Certificated Deposit 6,50% - 7,00% 6,50% - 7,00% Negotiable Certificate of Deposits
Simpanan dari bank lain (Catatan 19) Deposits from other bank (Note 19)
Giro 0,50% - 1,50% 0,50% - 1,50% Demand deposits
Efek-efek yang diterbitkan (Catatan 21) 10,75% - 11,75% 11,00% - 11,75% Securities issued (Note 21)
Bank memberikan kompensasi kepada Dewan The Bank provided compensation to Board of
Komisaris, Direksi dan pejabat eksekutif untuk tahun Commissioners, Directors and executive officers for
yang berakhir pada tanggal 31 Desember 2024 dan the years ended December 31, 2024 and 2023 as
2023 sebagai berikut: follows:
31 Desember/December 31,
2024 2023
Dewan Komisaris: Board of Commissioners:
Gaji 3.908.758 3.772.363 Salaries
Tunjangan akhir tahun 374.357 321.336 Year End Allowances
Tunjangan Hari Raya 352.193 327.191 Holiday Entitlements
Bonus 338.233 534.235 Bonuses
Direksi: Directors:
Gaji 13.228.393 12.454.018 Salaries
Tunjangan akhir tahun 1.128.572 1.011.571 Year End Allowances
Tunjangan Hari Raya 1.019.695 991.175 Holiday Entitlements
Bonus 1.330.040 2.500.000 Bonuses
Pejabat eksekutif: Executive officers:
Gaji 22.766.951 19.159.386 Salaries
Tunjangan akhir tahun 1.994.918 1.754.592 Year End Allowances
Tunjangan Hari Raya 1.922.027 1.646.336 Holiday Entitlements
Bonus 2.145.823 850.498 Bonuses
Jumlah 50.509.960 45.322.701 Total
130
Page 605
The original financial statements included herein are in
Indonesian language.
PT BANK VICTORIA INTERNATIONAL Tbk PT BANK VICTORIA INTERNATIONAL Tbk
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
Tanggal 31 Desember 2024 dan untuk As of December 31, 2024 and
Tahun yang Berakhir pada Tanggal tersebut for the Year Ended
(Disajikan dalam ribuan Rupiah, (Expressed in thousands of Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
39. INFORMASI MENGENAI PIHAK-PIHAK BERELASI 39. INFORMATION OF RELATED PARTIES
(lanjutan) (continued)
Transaksi dengan pihak-pihak berelasi (lanjutan) Transactions with related parties (continued)
Tidak ada kompensasi dalam bentuk imbalan pasca There are no compensation of post-employment
kerja, imbalan kerja jangka panjang lainnya, benefits, other long-term benefits, termination
pesangon pemutusan kontrak kerja dan pembayaran benefits and share-based payment to the Boards of
berbasis saham kepada Dewan Komisaris dan Commisioners and Directors.
Direksi.
40. KOMITMEN DAN KONTINJENSI 40. COMMITMENTS AND CONTINGENCIES
Ikhtisar komitmen dan kontinjensi Bank yang The following is the summary of the Bank's
dinyatakan dalam nilai kontrak adalah sebagai commitments and contingencies at contractual
berikut: amounts:
31 Desember/December 31,
2024 2023
Komitmen Commitments
Liabilitas komitmen: Commitment liabilities:
Fasilitas pinjaman yang belum Unused
digunakan: loan facilities:
Pihak berelasi (Catatan 39) (3.600.044) (17.037.130) Related parties (Note 39)
Pihak ketiga (4.657.963.621) (5.280.610.008) Third parties
Liabilitas komitmen - bersih (4.661.563.665) (5.297.647.138) Commitment liabilities - net
Kontinjensi Contingencies
Tagihan kontinjensi: Contingent receivables:
Pendapatan bunga atas pinjaman Interest receivables on non-performing
bermasalah - pihak ketiga 263.554.741 311.523.645 loans - third parties
Liabilitas kontinjensi: Contingent liabilities:
Garansi yang diterbitkan: Guarantees issued:
Pihak berelasi (Catatan 39) (271.300) (271.300) Related parties (Note 39)
Pihak ketiga (521.871.689) (982.531.650) Third parties
Letter of Credit (169.275.405) (60.563.964) Letter of Credit
Kontinjensi - bersih (427.863.653) (731.843.269) Contingencies - net
Jumlah liabilitas komitmen dan Total commitment and
kontinjensi - bersih (5.089.427.318) (6.029.490.407) contingencies liabilities - net
Pada tanggal 31 Desember 2024 dan 2023, tidak As of December 31, 2024 and 2023, there are no
terdapat komitmen dan kontinjensi signifikan lainnya significant commitments and contingencies other than
selain komitmen dan kontinjensi yang telah the aforementioned commitments and contingencies.
diungkapkan di atas.
41. PERJANJIAN PENTING 41. SIGNIFICANT AGREEMENT
Perjanjian Implementasi Sistem Aplikasi Implementation of Application Integrated
Terintegrasi Transaksi Manajemen - PT Sigma Transaction Management - PT Sigma Cipta
Cipta Caraka Caraka
Pada tanggal 26 Agustus 2014, Bank dan PT Sigma On August 26, 2014, Bank and PT Sigma Cipta
Cipta Caraka telah menandatangani Perjanjian Caraka have signed Application Integrated
Aplikasi Terintegrasi Transaksi Manajemen, dimana Transaction Management, in which PT Sigma Cipta
PT Sigma Cipta Caraka setuju untuk memberikan Caraka agrees to distribute Integrated Transaction
layanan jasa untuk membuat sistem untuk operasi Management Application for Bank’s business
bisnis Bank. operation.
131
Page 606
The original financial statements included herein are in
Indonesian language.
PT BANK VICTORIA INTERNATIONAL Tbk PT BANK VICTORIA INTERNATIONAL Tbk
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
Tanggal 31 Desember 2024 dan untuk As of December 31, 2024 and
Tahun yang Berakhir pada Tanggal tersebut for the Year Ended
(Disajikan dalam ribuan Rupiah, (Expressed in thousands of Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
41. PERJANJIAN PENTING (lanjutan) 41. SIGNIFICANT AGREEMENT (continued)
Perjanjian Implementasi Sistem Aplikasi Implementation of Application Integrated
Terintegrasi Transaksi Manajemen - PT Sigma Transaction Management - PT Sigma Cipta
Cipta Caraka (lanjutan) Caraka (continued)
Berdasarkan perjanjian ini, PT Sigma Cipta Caraka Based on this agreement, PT Sigma Cipta Caraka
memiliki hak dan kewajiban sebagai berikut: have right and obligation as follows:
1. PT Sigma Cipta Caraka berhak mendapatkan 1. PT Sigma Cipta Caraka is entitled to receive
pembayaran dari Bank; payment from the Bank;
2. PT Sigma Cipta Caraka wajib memberikan 2. PT Sigma Cipta Caraka is obligated to give the
lisensi aplikasi kepada Bank; license of the application to the Bank;
3. PT Sigma Cipta Caraka wajib membuat aplikasi 3. PT Sigma Cipta Caraka is obligated to customize
sesuai dengan keinginan Bank; the application according to Bank’s request;
4. PT Sigma Cipta Caraka wajib membuat laporan 4. PT Sigma Cipta Caraka is obligated to make
kemajuan proses implementasi; dan official report for implementation process
progress; and
5. PT Sigma Cipta Caraka wajib memastikan 5. PT Sigma Cipta Caraka is obligated to ensure the
program telah benar untuk mencegah programs to prevent errors.
kesalahan.
Berdasarkan Addendum VI No.461/SCC/BVIC/B/19 According to Addendum VI No.461/SCC/BVIC/B/19
tanggal 24 Juli 2019, jangka waktu perjanjian diubah dated July 24, 2019, the term of the agreement was
menjadi tanpa jangka waktu hingga salah satu pihak changed to no time period until one of the party
melakukan pengakhiran perjanjian. terminates the agreement.
Biaya jasa yang telah dibayarkan sampai dengan Service fees paid as of December 31, 2024 and 2023
31 Desember 2024 dan 2023 adalah sebesar: are amounted:
31 Desember/December 31,
2024 2023
Rupiah 6.928.248 1.623.875 Rupiah
Perjanjian Implementasi Sistem Aplikasi Implementation of Application Integrated
Terintegrasi Transaksi Manajemen - PT Panen Transaction Management - PT Panen Berkah
Berkah Solusi Solusi
Pada tanggal 21 Juni 2022, Bank dan PT Panen On June 21, 2022, the Bank and PT Panen Berkah
Berkah Solusi telah menandatangani Perjanjian Solusi has signed an AS400 Server Maintenance
Pemeliharaan Server AS400, dimana PT Panen Agreement, whereby PT Panen Berkah Solusi agreed
Berkah Solusi setuju untuk memberikan layanan jasa to provide AS400 server maintenance services for the
pemeliharaan server AS400 untuk operasi Bank. Bank's operations.
132
Page 607
The original financial statements included herein are in
Indonesian language.
PT BANK VICTORIA INTERNATIONAL Tbk PT BANK VICTORIA INTERNATIONAL Tbk
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
Tanggal 31 Desember 2024 dan untuk As of December 31, 2024 and
Tahun yang Berakhir pada Tanggal tersebut for the Year Ended
(Disajikan dalam ribuan Rupiah, (Expressed in thousands of Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
41. PERJANJIAN PENTING (lanjutan) 41. SIGNIFICANT AGREEMENT (continued)
Perjanjian Implementasi Sistem Aplikasi Implementation of Application Integrated
Terintegrasi Transaksi Manajemen - PT Panen Transaction Management - PT Panen Berkah
Berkah Solusi (lanjutan) Solusi (continued)
Berdasarkan perjanjian ini, PT Panen Berkah Solusi Based on this agreement, PT Panen Berkah Solusi
memiliki hak dan kewajiban sebagai berikut: has the following rights and obligations:
1. PT Panen Berkah Solusi berhak mendapatkan 1. PT Panen Berkah Solusi is entitled to receive
pembayaran dari Bank; payment from the Bank;
2. PT Panen Berkah Solusi, wajib menyediakan 2. PT Panen Berkah Solusi, is required to provide
jasa tenaga kerja sesuai kemampuan teknis; labor services according to technical capabilities;
3. PT Panen Berkah Solusi, wajib memberikan 3. PT Panen Berkah Solusi, is required to provide
informasi tertulis kepada Bank yang diperlukan written information to the Bank that is needed in
dalam penyelesaian tugas; completing the task;
4. PT Panen Berkah Solusi, wajib mengirimkan 4. PT Panen Berkah Solusi, must send spare parts to
suku cadang kepada Bank; the Bank;
5. PT Panen Berkah Solusi, wajib melakukan 5. PT Panen Berkah Solusi, must visit every two
kunjungan setiap dua bulan untuk melakukan months to check all devices;
pengecekan pada semua perangkat;
6. PT Panen Berkah Solusi, berhak melakukan 6. PT Panen Berkah Solusi, has the right to bill for
penagihan atas jasa penyediaan suku cadang; spare parts supply services;
7. PT Panen Berkah Solusi, wajib menyediakan 7. PT Panen Berkah Solusi, must provide all the
semua kebutuhan suku cadang yang diperlukan spare parts needed for machine repair;
dalam rangka perbaikan mesin;
8. PT Panen Berkah Solusi bersedia di audit oleh 8. PT Panen Berkah Solusi is willing to be audited by
auditor internal Bank atau Otoritas Jasa the Bank's internal auditor or the Financial Services
Keuangan atau pihak eksternal yang ditunjuk Authority or an external party appointed by the
oleh Bank; dan Bank; and
9. PT Panen Berkah Solusi, wajib melaporkan 9. PT Panen Berkah Solusi, is required to report to the
kepada Bank setiap kejadian kritis yang dapat Bank every critical incident that may result in
mengakibatkan kerugian/menganggu kelancaran losses/disturb the smooth operation of the Bank.
operasional Bank.
Surat perjanjian tertanggal 21 Juni 2022 pada The agreement dated June 21, 2022 on the
terhadap perjanjian kerja sama antara Bank agreement between the Bank and PT Panen Berkah
dan PT Panen Berkah Solusi pada Solusi under No.016/SPK/PBS/VI/2022 states that
No.016/SPK/PBS/VI/2022 bahwa jangka waktu the term of the agreement is from June 21, 2022 until
perjanjian adalah sejak tanggal 21 Juni 2022 sampai June 20, 2023, as amended in the Agreement
dengan 20 Juni 2023, sebagaimana Addendum No.028/SPK.Add/PBS/VII/2024 dated
telah diubah pada Adendum perjanjian July 12, 2024, the term of the agreement is from
No.028/SPK.Add/PBS/VII/2024 tanggal 12 Juli 2024, June 20, 2024 until June 19, 2025.
jangka waktu perjanjian adalah sejak tanggal 20 Juni
2024 sampai dengan 19 Juni 2025.
Biaya jasa yang telah dibayarkan sampai dengan Service fees paid as of December 31, 2024 and 2023
31 Desember 2024 dan 2023 yang termasuk dalam included in this agreement are amounted:
perjanjian ini adalah sebesar:
31 Desember/December 31,
2024 2023
Rupiah 640.494 226.440 Rupiah
133
Page 608
The original financial statements included herein are in
Indonesian language.
PT BANK VICTORIA INTERNATIONAL Tbk PT BANK VICTORIA INTERNATIONAL Tbk
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
Tanggal 31 Desember 2024 dan untuk As of December 31, 2024 and
Tahun yang Berakhir pada Tanggal tersebut for the Year Ended
(Disajikan dalam ribuan Rupiah, (Expressed in thousands of Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
41. PERJANJIAN PENTING (lanjutan) 41. SIGNIFICANT AGREEMENT (continued)
Perjanjian Kerjasama Revamp Mobile Banking, Agreement of Revamp of Mobile Banking, Internet
Internet Banking, dan Internet Banking Bisnis - Banking, and Business Internet Banking -
PT Infosys Solusi Terpadu PT Infosys Solusi Terpadu
Pada tanggal 20 Agustus 2021, Bank dan PT Infosys On August 20, 2021, the Bank and PT Infosys Solusi
Solusi Terpadu telah menandatangani Perjanjian Terpadu signed a Cooperation Agreement for the
Kerjasama Revamp Mobile Banking, Internet Revamp of Mobile Banking, Internet Banking, and
Banking, dan Internet Banking Bisnis, dimana Business Internet Banking, whereby PT Infosys
PT Infosys Solusi Terpadu setuju untuk memberikan Solusi Terpadu agreed to provide revamp services for
layanan Revamp Mobile Banking, Internet Banking, Mobile Banking, Internet Banking, and Business
dan Internet Banking Bisnis untuk operasi Bank. Internet Banking for the Bank's operations.
Berdasarkan perjanjian ini, PT Infosys Solusi Based on this agreement, PT Infosys Solusi Terpadu
Terpadu memiliki hak dan kewajiban sebagai berikut: has the following rights and obligations:
1. PT Infosys Solusi Terpadu berhak mendapatkan 1. PT Infosys Solusi Terpadu is entitled to receive
pembayaran dari Bank; payment from the Bank;
2. PT Infosys Solusi Terpadu wajib menjamin 2. PT Infosys Solusi Terpadu is required to ensure
ketersediaan sumber daya untuk pengembangan the availability of resources for the development of
aplikasi Digital Application platform; the Digital Application platform;
3. PT Infosys Solusi Terpadu wajib memberikan 3. PT Infosys Solusi Terpadu is required to provide
layanan support dan maintenance selama masa support and maintenance services during the post-
post implementation maksimal 1 (satu) bulan implementation period for a maximum of
setelah Go-Live; 1 (one) month after Go-Live;
4. PT Infosys Solusi Terpadu wajib memberikan 4. PT Infosys Solusi Terpadu is required to provide
garansi aplikasi selama 6 (enam) bulan, setelah an application warranty for 6 (six) months after Live
Live Production; Production;
5. PT Infosys Solusi Terpadu wajib memberikan 5. PT Infosys Solusi Terpadu is required to provide
support 7 x 24 jam apabila terjadi permasalahan; 24/7 support in the event of any issues;
6. PT Infosys Solusi Terpadu wajib menyelesaikan 6. PT Infosys Solusi Terpadu is required to complete
pekerjaan sesuai dengan jangka waktu yang the work within the specified timeframe;
telah ditentukan;
7. PT Infosys Solusi Terpadu wajib memberikan 7. PT Infosys Solusi Terpadu is required to provide
dokumentasi perangkat lunak, termasuk source software documentation, including source code,
code serta dokumentasi sistem dan petunjuk system documentation, and technical usage
teknis penggunaan, termasuk didalamnya untuk guidelines, as well as an installation guide version
memberikan instalasi guide version di mesin for the development environment;
development;
8. PT Infosys Terpadu menjamin bahwa perangkat 8. PT Infosys Solusi Terpadu guarantees that the
lunak tidak mengandung back door yang software does not contain any backdoor that would
memungkinkan akses oleh pihak yang tidak allow unauthorised access to the Bank’s systems
berwenang ke dalam sisten dan data Bank; and data;
9. PT Infosys Terpadu wajib mebdapatkan 9. PT Infosys Solusi Terpadu is required to obtain
persetujuan tertulis dari Bank, jika melakukan written approval from the Bank if it intends to
pengalihan sebagaian pekerjaan kepada delegate part of the work to a subcontractor;
subkontraktor;
10. PT Infosys Terpadu bersedia diaudit oleh auditor 10. PT Infosys Solusi Terpadu agrees to be audited by
internal Bank, atau Otoritas Jasa Keuangan atau the Bank’s internal auditor, the Financial Services
pihak eksternal yang ditunjuk oleh Bank; dan Authority, or an external party appointed by the
11. PT Infosys Terpadu wajib melaporkan setiap Bank; and
kejadian kritis yang dapat mengakibatkan 11. PT Infosys Solusi Terpadu is required to report any
kerugian dan/atau mengganggu kelancaran critical incidents that may result in losses and/or
operasional Bank. disrupt the Bank’s operations.
134
Page 609
The original financial statements included herein are in
Indonesian language.
PT BANK VICTORIA INTERNATIONAL Tbk PT BANK VICTORIA INTERNATIONAL Tbk
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
Tanggal 31 Desember 2024 dan untuk As of December 31, 2024 and
Tahun yang Berakhir pada Tanggal tersebut for the Year Ended
(Disajikan dalam ribuan Rupiah, (Expressed in thousands of Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
41. PERJANJIAN PENTING (lanjutan) 41. SIGNIFICANT AGREEMENT (continued)
Perjanjian Kerjasama Revamp Mobile Banking, Agreement of Revamp of Mobile Banking, Internet
Internet Banking, dan Internet Banking Bisnis - Banking, and Business Internet Banking -
PT Infosys Solusi Terpadu (lanjutan) PT Infosys Solusi Terpadu (continued)
Berdasarkan Addendum Pertama Based on the First Addendum
No. 004/DIR-VICT/PKS/11/24 tanggal 28 November No. 004/DIR-VICT/PKS/11/24 dated November 28,
2024, terdapat perubahan tentang Persyaratan 2024, there are changes to the Technical
Teknis dan penambahan ketentuan mengenai Requirements and the addition of provisions
Timeline pengerjaan dalam perjanjian kerjasama ini. regarding the Project Timeline in this cooperation
Jangka waktu perjanjian adalah tiga tahun sejak agreement. The term of the agreement is three years
penandatangan perjanjian dengan perpanjangan from the signing date, with the initial term being
jangka waktu awal akan diperpanjang secara automatically extended each time for an additional 1
otomatis setiap kali untuk jangka waktu 1 (satu) tahun (one) year.
berikutnya.
Biaya jasa yang telah dibayarkan sampai dengan Service fees paid as of December 31, 2024 and 2023
31 Desember 2024 dan 2023 adalah sebesar: are amounted:
31 Desember/December 31,
2024 2023
Rupiah 3.881.149 3.043.472 Rupiah
Perjanjian Pemeliharaan Sistem dan Pembelian System Maintenance and Purchase License
Lisensi Treasury Opics – PT Sinergi Inti Solusi Agreement of Treasury Opics – PT Sinergi Inti
Solusi
Pada tanggal 22 Februari 2024, Bank dan PT Sinergi On February 22, 2024, the Bank and PT Sinergi Inti
Inti Solusi telah menandatangani Perjanjian Solusi signed a Cooperation Agreement for System
Kerjasama Pemeliharaan Sistem dan Pembelian Maintenance and Purchase License Agreement of
Lisensi Treasury Opics, dimana Treasury Opics, whereby PT Sinergi Inti Solusi
PT Sinergi Inti Solusi setuju untuk memberikan agreed to provide services for system maintenance
layanan pemeliharaan sistem dan lisensi Treasury and license agreement of Treasury Opics.
Opics.
Berdasarkan perjanjian ini, PT Sinergi Inti Solusi Based on this agreement, PT Sinergi Inti Solusi has
memiliki hak dan kewajiban sebagai berikut : the following rights and obligations:
1. PT Sinergi Inti Solusi berhak mendapatkan 1. PT Sinergi Inti Solusi is entitled to receive
pembayaran dari Bank; payment from the Bank;
2. PT Sinergi Inti Solusi akan menyediakan layanan 2. PT Sinergi Inti Solusi will provide services to the
kepada Bank dengan syarat-syarat dan Bank under the terms and conditions agreed
ketentuan-ketentuan sesuai kesepakatan; upon;
3. PT Sinergi Inti Solusi memberikan lisensi kepada 3. PT Sinergi Inti Solusi grants the Bank a license for
Bank atas sistem dan bahan-bahan pendukung; the system and supporting materials;
4. PT Sinergi Inti Solusi akan melakukan 4. PT Sinergi Inti Solusi will perform corrective
pemeliharaan corrective dalam waktu 2 (dua) maintenance within 2 (two) weeks and place 2
minggu dan penempatan 2 (dua) PIC di Bank (two) PICs at the Bank to prevent errors during
untuk mencegah terjadinya eror dalam hal maintenance;
pemeliharaan;
5. PT Sinergi Inti Solusi menjamin bahwa sistem 5. PT Sinergi Inti Solusi guarantees that the system
akan berfungsi sesuai dengan bahan pendukung; will function as per the supporting materials;
6. PT Sinergi Inti Solusi akan menyusun log 6. PT Sinergi Inti Solusi will prepare a maintenance
pemeliharaan setelah menyelesaikan layanan log after completing the maintenance and/or
pemeliharaan dan/atau perbaikan, dan repair services and submit the log to the Bank
menyerahkan log kepada Bank setiap bulan; every month;
135
Page 610
The original financial statements included herein are in
Indonesian language.
PT BANK VICTORIA INTERNATIONAL Tbk PT BANK VICTORIA INTERNATIONAL Tbk
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
Tanggal 31 Desember 2024 dan untuk As of December 31, 2024 and
Tahun yang Berakhir pada Tanggal tersebut for the Year Ended
(Disajikan dalam ribuan Rupiah, (Expressed in thousands of Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
41. PERJANJIAN PENTING (lanjutan) 41. SIGNIFICANT AGREEMENT (continued)
Perjanjian Pemeliharaan Sistem dan Pembelian System Maintenance and Purchase License
Lisensi Treasury Opics – PT Sinergi Inti Solusi Agreement of Treasury Opics – PT Sinergi Inti
(lanjutan) Solusi (continued)
Berdasarkan perjanjian ini, PT Sinergi Inti Solusi Based on this agreement, PT Sinergi Inti Solusi has
memiliki hak dan kewajiban sebagai berikut: the following rights and obligations: (continued)
(lanjutan)
7. PT Sinergi Inti Solusi akan menyelesaikan 7. PT Sinergi Inti Solusi will complete the service
layanan dalam waktu 24 jam setelah menerima within 24 hours after receiving an error notification.
pemberitahuan eror. Jika layanan pemeliharaan If the maintenance and/or repair service cannot be
dan/atau perbaikan tidak dapat diselesaikan completed within 4 (four) hours, PT Sinergi Inti
dalam waktu 4 (empat) jam, maka PT Sinergi Inti Solusi will provide alternative equipment and will
Solusi akan menyediakan perlatan alternatif dan not charge any additional fees to the client;
tidak akan mengenakan biaya tambahan
kepada klien;
8. PT Sinergi Inti Solusi akan bertanggung jawab 8. PT Sinergi Inti Solusi will be responsible for any
atas segala kerusakan yang diakibatkan oleh damages caused by events related to this
peristiwa yang terkait dengan Perjanjian ini, dan Agreement and will compensate the Bank or third
akan memberikan kompensasi kepada Bank parties for any costs incurred; and
atau pihak ketiga dari setiap biaya yang muncul;
dan
9. PT Sinergi Inti Solusi bersedia diaudit oleh 9. PT Sinergi Inti Solusi agrees to be audited by the
auditor internal Bank, atau Otoritas Jasa Bank’s internal auditor, the Financial Services
Keuangan atau pihak eksternal yang ditunjuk Authority, or an external party appointed by the
oleh Bank. Bank.
Berdasarkan Perjanjian Pertama No 001/DIR- Based on the First Agreement No. 001/DIR-
VICT/PKS/02/2024 tanggal 22 Februari 2024, jangka VICT/PKS/02/2024 dated February 22, 2024, the
waktu perjanjian adalah lima tahun sejak 1 Februari term of the agreement is five years, start from
2024 sampai 31 Januari 2029. February 1, 2024, to January 31, 2029.
Biaya jasa yang telah dibayarkan sampai dengan Service fees paid as of December 31, 2024 are
31 Desember 2024 adalah sebesar: amounted:
31 Desember/December 31,
2024 2023
Rupiah 4.883.440 - Rupiah
42. SEGMEN OPERASI 42. OPERATING SEGMENT
Berikut adalah informasi segmen Bank berdasarkan The following is the segment information of the Bank
segmen operasi: based on operating segments:
Untuk tahun yang berakhir
pada tanggal 31 Desember/
For the years ended December 31,
2024 2023
Pendapatan bunga - bersih 548.600.548 578.729.355 Interest income - net
Pendapatan operasional lainnya 365.735.651 253.365.261 Other operating income
Beban operasional lainnya (621.366.151) (658.023.481) Other operating expense
Laba operasional 292.970.048 174.071.135 Income from operations
Jumlah aset 31.045.989.252 29.624.240.421 Total assets
Jumlah liabilitas 27.112.529.594 25.799.455.411 Total liabilities
136
Page 611
The original financial statements included herein are in
Indonesian language.
PT BANK VICTORIA INTERNATIONAL Tbk PT BANK VICTORIA INTERNATIONAL Tbk
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
Tanggal 31 Desember 2024 dan untuk As of December 31, 2024 and
Tahun yang Berakhir pada Tanggal tersebut for the Year Ended
(Disajikan dalam ribuan Rupiah, (Expressed in thousands of Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
42. SEGMEN OPERASI (lanjutan) 42. OPERATING SEGMENT (continued)
Berikut ini adalah informasi segmen Bank The following is the business segment information of
berdasarkan daerah geografis: the Bank based on geographical area:
Untuk tahun yang berakhir pada tanggal 31 Desember 2024/
For the year ended December 31, 2024
Jawa Tengah
& Jawa Timur
Jadetabek/ Jawa Barat/ /Central & Luar Jawa/ Jumlah/
Jadetabek West Java East Java Non Java Total
Pendapatan bunga - bersih 549.422.800 11.105.744 20.834.507 (32.762.503) 548.600.548 Interest income - net
Pendapatan operasional Other operating
lainnya 345.167.012 1.479.627 8.440.580 10.648.432 365.735.651 income
Beban penyisihan kerugian Provision for impairment
penurunan nilai aset losses on financial and
keuangan dan non-keuangan (88.683.185) (352.508) (5.464.059) (20.803.343) (115.303.095) non-financial assets
Beban umum dan General and administrative
administrasi, expenses, personnel
tenaga kerja, kerugian atas expenses, unrealised loss
perubahan nilai wajar dan changes of fair value and
lain-lain (464.044.674) (9.807.571) (20.132.236) (12.078.575) (506.063.056) others
341.861.953 2.425.292 3.678.792 (54.995.989) 292.970.048 Profit (loss) from
Laba (rugi) operasional operations
Beban non Non-operating
operasional - bersih (144.513.536) 425 161.267 41.920 (144.309.924) expense - net
Laba (rugi) sebelum beban pajak Profit (loss) before income
penghasilan 197.348.417 2.425.717 3.840.059 (54.954.069) 148.660.124 tax expense
Beban pajak penghasilan (30.800.886) - - - (30.800.886) Income tax expense
Laba/(rugi) bersih
tahun berjalan 166.547.531 2.425.717 3.840.059 (54.954.069) 117.859.238 Profit/(loss) for the year
Jumlah aset 29.256.279.747 292.161.024 1.159.177.057 338.371.424 31.045.989.252 Total assets
Jumlah liabilitas 24.853.241.727 318.504.148 1.017.510.824 923.272.895 27.112.529.594 Total liabilities
Untuk tahun yang berakhir pada tanggal 31 Desember 2023/
For the year ended December 31, 2023
Jawa Tengah
& Jawa Timur
Jadetabek/ Jawa Barat/ /Central & Luar Jawa/ Jumlah/
Jadetabek West Java East Java Non Java Total
Pendapatan bunga - bersih 605.904.033 7.712.804 (5.953.084) (28.934.398) 578.729.355 Interest income - net
Pendapatan operasional Other operating
lainnya 244.424.786 2.810.354 3.731.919 2.398.202 253.365.261 income
Beban penyisihan kerugian Provision for impairment
penurunan nilai aset losses on financial and
keuangan dan non-keuangan (153.988.492) (1.238.620) (25.868.360) (6.449.486) (187.544.958) non-financial assets
Beban umum dan General and administrative
administrasi, expenses, personnel
tenaga kerja, kerugian atas expenses, unrealised loss
perubahan nilai wajar dan changes of fair value and
lain-lain (441.807.754) (6.792.939) (11.014.661) (10.863.169) (470.478.523) others
Profit (loss) from
Laba (rugi) operasional 254.532.573 2.491.599 (39.104.186) (43.848.851) 174.071.135 operations
Beban non Non-operating
operasional - bersih (44.647.412) (910) 54.764 58.651 (44.534.907) expense - net
Laba (rugi) sebelum beban pajak Profit (loss) before income
penghasilan 209.885.161 2.490.689 (39.049.422) (43.790.200) 129.536.228 tax expense
Beban pajak penghasilan (27.719.887) - - - (27.719.887) Income tax expense
Laba/(rugi) bersih
tahun berjalan 182.165.274 2.490.689 (39.049.422) (43.790.200) 101.816.341 Profit/(loss) for the year
Jumlah aset 28.781.506.754 245.131.599 398.882.726 198.719.342 29.624.240.421 Total assets
Jumlah liabilitas 23.861.710.649 260.086.342 756.951.352 920.707.068 25.799.455.411 Total liabilities
137
Page 612
The original financial statements included herein are in
Indonesian language.
PT BANK VICTORIA INTERNATIONAL Tbk PT BANK VICTORIA INTERNATIONAL Tbk
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
Tanggal 31 Desember 2024 dan untuk As of December 31, 2024 and
Tahun yang Berakhir pada Tanggal tersebut for the Year Ended
(Disajikan dalam ribuan Rupiah, (Expressed in thousands of Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
43. JAMINAN PEMERINTAH TERHADAP 43. GOVERNMENT GUARANTEE ON OBLIGATIONS
KEWAJIBAN PEMBAYARAN BANK UMUM OF PRIVATE BANKS
Berdasarkan Undang-Undang Republik Indonesia Based on Law No. 24 dated September 22, 2004,
No. 24 tanggal 22 September 2004, efektif sejak effective September 22, 2005, Indonesia Deposit
tanggal 22 September 2005, Lembaga Penjamin Insurance Corporation (LPS) was established to
Simpanan (LPS) dibentuk untuk menjamin kewajiban provide guarantee on certain deposits from
tertentu bank-bank umum berdasarkan program customers based on prevailing guarantee schemes.
penjaminan yang berlaku. Undang-Undang tersebut The law was changed with the Government
telah diubah dengan Peraturan Pemerintah sebagai Regulation as at the Replacement of Law No. 3 Year
Pengganti Undang-Undang No. 3 Tahun 2008, yang 2008, which was stipulated as a law since
mana telah ditetapkan menjadi Undang-Undang January 13, 2009 based on the Republic of Indonesia
sejak tanggal 13 Januari 2009 berdasarkan Undang- Law No. 7 Year 2009.
Undang Republik Indonesia No. 7 Tahun 2009.
Berdasarkan Peraturan Pemerintah Republik Based on Government of Republic of Indonesia
Indonesia No. 66/2008 tanggal 13 Oktober 2008 Regulation No. 66/2008 dated October 13, 2008
mengenai besarnya nilai simpanan yang dijamin regarding the deposit amount guaranteed by LPS, as
LPS, pada tanggal 31 Desember 2024 dan 2023, of December 31, 2024 and 2023, the deposit amount
jumlah simpanan yang dijamin LPS adalah simpanan guaranteed by LPS for every customer in a bank was
sampai dengan Rp2.000.000 untuk nasabah per a maximum of Rp2,000,000.
bank.
Bank adalah peserta dari program penjaminan The Bank is a participant of this government
tersebut dan beban premi penjaminan Pemerintah guarantee program and the premium paid for the
yang dibayar selama periode yang berakhir tanggal period ended December 31, 2024 and 2023
31 Desember 2024 dan 2023 masing-masing adalah amounted to Rp43,691,208 and Rp41,124,423,
sebesar Rp43.691.208 dan Rp41.124.423. respectively.
44. MANAJEMEN RISIKO 44. RISK MANAGEMENT
Bank telah menerapkan manajemen risiko yang The Bank has implemented independent risk
independen dan sesuai dengan standar yang management and in accordance with standards that
mengacu pada POJK No. 18/POJK.03/2016 tanggal refer to POJK No. 18/POJK.03/2016 dated
16 Maret 2016 tentang Penerapan Manajemen Risiko March 16, 2016 regarding the Implementation of Risk
Bagi Bank Umum. Management for Commercial Banks.
Kegiatan usaha Bank senantiasa dihadapkan pada Bank’s business activities always faced with risks that
risiko-risiko yang berkaitan erat dengan fungsinya are closely related to its function as a financial
sebagai lembaga intermediasi keuangan. intermediary. Therefore, the Bank's operations are
Oleh karena itu, kegiatan operasional Bank dikelola properly managed so it could prevent any harm. In the
dengan baik supaya tidak menimbulkan kerugian. Di performance of the Bank's business strategy,
dalam melaksanakan strategi bisnis Bank, maka management seeks to harmonise between:
manajemen berupaya untuk dapat menyelaraskan
antara:
· Pertumbuhan bisnis dan peningkatan pangsa · Business growth and increased market share of
pasar kredit dan portofolio pendanaan. credit and financing portfolios.
· Peningkatkan efisiensi operasional perbankan. · Increasing the efficiency of banking operations.
· Menjaga tingkat kebutuhan modal minimum · Maintain the level of minimum capital
sesuai ketentuan otoritas. requirements pursuant to the authority.
· Implementasi manajemen risiko yang · Implementation of business-oriented risk
berorientasi bisnis. management.
138
Page 613
The original financial statements included herein are in
Indonesian language.
PT BANK VICTORIA INTERNATIONAL Tbk PT BANK VICTORIA INTERNATIONAL Tbk
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
Tanggal 31 Desember 2024 dan untuk As of December 31, 2024 and
Tahun yang Berakhir pada Tanggal tersebut for the Year Ended
(Disajikan dalam ribuan Rupiah, (Expressed in thousands of Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
44. MANAJEMEN RISIKO (lanjutan) 44. RISK MANAGEMENT (continued)
Sebagai lembaga intermediasi keuangan, Bank As a financial intermediary institution, the Bank
menyadari bahwa semakin kompleksnya kegiatan realises that the business activity is more complex
usaha yang diikuti dengan perkembangan lingkungan and also depends with development of internal and
internal maupun eksternal sehingga meningkatkan external conditions that increase the Bank 's risk in
risiko dalam menjalankan kegiatan usahanya. conducting its business activities. Realising the risk it
Menyadari akan risiko yang dihadapi, Bank harus faces, the Bank must apply good risk management
menerapkan kebijakan manajemen risiko yang baik policy that can adapt with the changes and also
dan dapat beradaptasi dengan perubahan yang enhance the Good Corporate Governance Practice in
terjadi dan meningkatkan praktek tata kelola yang the whole activities of the Bank.
sehat (Good Corporate Governance) pada
keseluruhan lingkup aktivitas usaha.
Penerapan manajemen risiko yang efektif dengan The effective application of risk management by
mempertimbangkan segala aspek dan prinsip kehati- considering all aspects and prudential principles
hatian (prudential principles) ini bertujuan untuk which has objective to ensure that potential arises in
memastikan bahwa potensi yang timbul dalam conducting its business activities can be identified,
kegiatan usahanya dapat diidentifikasi, diukur, measured, reviewed and monitored will give
dipantau, dan dimonitor akan memberikan manfaat a benefit to increase stakeholder trust to the Bank.
berupa peningkatan kepercayaan stakeholder.
Dalam menunjang penerapan manajemen risiko, In supporting the implementation of risk management,
Bank senantiasa berupaya meningkatkan the Bank continuously improve the active monitoring
pengawasan aktif dari Dewan Komisaris dan Direksi, from the Boards of Commissioners and Directors,
antara lain melalui unit kerja dan komite untuk including establishing several permanent working
menunjang proses pengendalian risiko. Hal ini units and committee to support risks control process.
diwujudkan dengan adanya Satuan Kerja This is implemented by establishing Risk
Manajemen Risiko (SKMR) di bawah wadah Komite Management Working Unit (SKMR) under Risk
Manajemen Risiko yang berwenang dan Management Committee who authorise and
bertanggung jawab dalam menyusun dan responsible to prepare and decide risk management
menetapkan kebijakan manajemen risiko serta policy and its changes including risk management
perubahannya termasuk strategi manajemen risiko strategy and contingency plan if an abnormal
dan rencana kontinjensi apabila terjadi kondisi yang condition happens.
tidak diinginkan.
Selain hal tersebut di atas, terdapat komite lain yang Besides the above matters, there are other committee
bertugas untuk menangani risiko secara lebih to handle more specific risks, such as Credit
spesifik, yaitu antara lain Komite Kredit Tingkat Committee at Board of Directors level (KKD), Assets
Direksi (KKD), Assets and Liabilities Committee and Liabilities Committee (ALCO), Information
(ALCO), Komite Teknologi Sistem Informasi, System Technology Committee, whereas at the
sedangkan pada level Dewan Komisaris terdapat Board of Commissioners level, there are Risk
Komite Pemantau Risiko, Komite Nominasi dan Monitoring Committee, Nomination and
Remunerasi, Komite Audit dan Komite Tata Kelola Remuneration Committee, Audit Committee and
Terintegrasi. Integrated Corporate Governance Commitee.
Semua Dewan Komisaris dan Direksi telah mengikuti All of the Boards of Commissioners and Directors
Ujian Sertifikasi Manajemen Risiko yang passed the examination of Risk Management
diselenggarakan oleh Badan Sertifikasi Manajemen Certification that was held by the Board of Risk the
Risiko dan Lembaga Sertifikasi Profesi Perbankan. Management Certification and Banking Professional
Certification Institute.
139
Page 614
The original financial statements included herein are in
Indonesian language.
PT BANK VICTORIA INTERNATIONAL Tbk PT BANK VICTORIA INTERNATIONAL Tbk
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
Tanggal 31 Desember 2024 dan untuk As of December 31, 2024 and
Tahun yang Berakhir pada Tanggal tersebut for the Year Ended
(Disajikan dalam ribuan Rupiah, (Expressed in thousands of Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
44. MANAJEMEN RISIKO (lanjutan) 44. RISK MANAGEMENT (continued)
Seiring dengan perkembangan globalisasi dan As a response with the development of globalisation
teknologi informasi, Lembaga Jasa Keuangan (LJK) and information technology, Financial Services
merupakan salah satu industri yang memiliki sistem Institution (LJK) is one of industry which has
keuangan yang sangat kompleks, dinamis, dan saling a complex, dynamic and inter-related between each
terkait antar masing-masing sektor jasa keuangan financial sector, both in product and organisation, and
baik dalam produk dan kelembagaan, maupun ownership which can increase the risk exposure.
kepemilikan yang menyebabkan meningkatnya Facing this circumstances, the implementation of risk
eksposur risiko. Menghadapi kondisi tersebut, management will be performed integratedly by
penerapan manajemen risiko akan dilakukan secara concerning all the risks, including from subsidiary and
terintegrasi dengan memperhatikan seluruh risiko, sister companies, and other financial entities included
baik yang berasal dari perusahaan anak dan in one financial conglomeration.
perusahaan terelasi (sister company), maupun
entitas lainnya yang tergabung dalam suatu
konglomerasi keuangan.
Manajemen Risiko Terintegrasi telah diterapkan Integrated Risk Management has been implemented
secara komprehensif dan efektif sesuai comprehensively and effectively in accordance
POJK No. 17/POJK.03/2014 dan SEOJK with POJK No. 17/POJK.03/2014 and SEOJK
No. 14/SEOJK.03/2015 tentang Penerapan No. 14/SEOJK.03/2015 about Implementation of
Manajemen Risiko Terintegrasi Bagi Konglomerasi Integrated Risk Management for Financial
Keuangan. Bank telah ditunjuk sebagai Entitas Conglomeration. The Bank has been appointed as the
Utama dalam hal Pengawasan Terintegrasi main entity in the Integrated Monitoring of Financial
Konglomerasi Keuangan Grup Victoria. Conglomeration is Victoria Group.
Dalam menunjang penerapan manajemen risiko In supporting the implementation of integrated risk
terintegrasi, maka Bank berupaya meningkatkan management, Bank encourage the active monitoring
pengawasan aktif Dewan Komisaris dan Direksi, by Board of Directors and Board of Commissioners,
antara lain melalui Satuan Kerja Manajemen Risiko such as through SKMRT under supervision of
Terintegrasi (SKMRT) di bawah wadah Komite Integrated Risk Monitoring Committee, whereas at the
Manajemen Risiko Terintegrasi, sedangkan pada Board of Commissioners level through the Integrated
level Dewan Komisaris terdapat Komite Tata Kelola Corporate Governance Committee.
Terintegrasi.
Risiko kredit Credit risk
Risiko kredit adalah risiko yang terjadi akibat Credit risk is the risk by debtors and/or counterparty's
kegagalan debitur dan/atau pihak lawan failure to fulfill their obligations. The objective of credit
(counterparty) dalam memenuhi kewajiban mereka. risk management is to control and manage credit risk
Tujuan dari pengelolaan risiko kredit adalah untuk exposures within acceptable parameters, while
mengendalikan dan mengelola eksposur risiko kredit optimising the return on risk.
dalam parameter yang dapat diterima, sekaligus
memaksimalkan return on risk.
Dalam mengelola risiko kredit, Bank telah memiliki In managing credit risk, the Bank has credit policies
kebijakan dan pedoman perkreditan, yang and standard operations, that are enhanced
disempurnakan secara berkala, dengan tetap periodically in accordance with independent risk
didasarkan pada prinsip pengelolaan risiko yang management principles based on OJK regulations
independen sesuai dengan peraturan OJK dan and other external regulatory and risk management
peraturan eksternal lainnya dan kebijakan policies related to credit. Management of credit risk
manajemen risiko yang terkait dengan pemberian include lending activities and other credit risk
pinjaman. Pengelolaan risiko kredit mencakup exposures such as placement, purchase of securities
aktivitas penyaluran kredit serta eksposur risiko kredit and investments, which are managed
lainnya seperti penempatan, pembelian efek-efek comprehensively at both portfolio and transaction.
dan penyertaan, yang dikelola secara komprehensif
baik pada tingkat portofolio maupun transaksi.
140
Page 615
The original financial statements included herein are in
Indonesian language.
PT BANK VICTORIA INTERNATIONAL Tbk PT BANK VICTORIA INTERNATIONAL Tbk
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
Tanggal 31 Desember 2024 dan untuk As of December 31, 2024 and
Tahun yang Berakhir pada Tanggal tersebut for the Year Ended
(Disajikan dalam ribuan Rupiah, (Expressed in thousands of Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
44. MANAJEMEN RISIKO (lanjutan) 44. RISK MANAGEMENT (continued)
Risiko kredit (lanjutan) Credit risk (continued)
Bank melakukan evaluasi atas tingkat risiko kredit The Bank evaluates the credit risk level related to
terkait pemberian fasilitas kepada nasabah atau financing the customers or projects by considering
proyek dengan mempertimbangkan berbagai faktor, various factors, which include the following:
antara lain sebagai berikut:
i. Historis dan proyeksi kondisi keuangan, i. Historical and projected financial condition,
termasuk laporan posisi keuangan, laporan laba including statement of financial position, profit or
rugi, dan laporan arus kas nasabah; loss, and statement of cash flows of the
customers;
ii. Riwayat hubungan kredit; ii. Credit history;
iii. Kualitas, kinerja dan pengalaman dari iii. Quality, performance and experience of the
pengelolaan nasabah; customer’s management;
iv. Sektor industri nasabah; iv. Customer’s industry sector;
v. Kualitas agunan debitur, baik berupa aset v. Debtor’s collateral quality, both in form of
berwujud maupun agunan setara kas; tangible assets or cash equivalents;
vi. Posisi nasabah dalam persaingan industri vi. Customer’s competitive position in the industry;
sejenis; serta and
vii. Kondisi ekonomi secara umum. vii. General economic conditions.
Terhadap eksposur risiko kredit yang lebih khusus In relation to the specific credit risk exposure such as
seperti kredit perorangan, fasilitas antar bank dan individual credit, inter-bank facility and others, the
sebagainya, Bank melakukan evaluasi secara Bank separately evaluates based on other factors that
tersendiri dengan menggunakan faktor yang mungkin may be different, according to the specific
berbeda, sesuai dengan karakteristik spesifik dari characteristics of each exposure. The approval
setiap jenis eksposur. Proses persetujuan fasilitas process of facility with credit risk exposure are
dengan eksposur risiko kredit dilakukan berdasarkan executed based on a principal that each facility and
prinsip bahwa setiap fasilitas dan eksposur risiko credit risk exposure approval must be processed
kredit harus diproses melalui komite kredit dan/atau through the credit committee and/or other committee.
komite lainnya.
Selain itu, pengelolaan risiko kredit yang lebih Furthermore, specific credit risk management is
spesifik juga dilakukan atas portofolio pinjaman yang performed on non-performing loan portfolio and other
bermasalah maupun eksposur risiko kredit lain. credit risk exposures. Such efforts, among others, are
Upaya yang dilakukan di antaranya adalah restructuring on non-performing loans, foreclosing
restrukturisasi fasilitas pinjaman yang bermasalah, assets and providing allowances to cover potential
pengambilalihan agunan, dan pembentukan losses, and write-off. The Bank has identified,
cadangan untuk menutup potensi kerugian, hingga measured, monitored, and controlled risks which
pelaksanaan hapus buku. Bank telah menjalankan covers credit risk profile in a comprehensive risk
proses identifikasi, pengukuran, pemantauan, dan management. In order to control credit risk in
pengendalian risiko yang mencakup profil risiko kredit a comprehensive manner, the Bank continues to
secara komprehensif. Dalam rangka pengendalian review and accomplish the implementation of credit
risiko kredit secara komprehensif, Bank terus risk control function.
meninjau dan menyempurnakan pelaksanaan fungsi
pengendalian risiko kredit.
Manajemen risiko kredit diarahkan untuk Credit risk management is mainly to improve the
meningkatkan keseimbangan antara ekspansi kredit balance of credit expansion and the prudent credit
yang sehat dengan pengelolaan pinjaman yang management that could mitigate the risk of the
berprinsip kehati-hatian (prudent) agar terhindar dari deterioration of loan quality or loans from becoming
risiko penurunan kualitas kredit atau menjadi Non Non Performing Loan, and to optimise the use of
Performing Loan (NPL), serta mengoptimalkan capital allocated for the credit risk.
penggunaan modal yang dialokasikan untuk risiko
kredit.
141
Page 616
The original financial statements included herein are in
Indonesian language.
PT BANK VICTORIA INTERNATIONAL Tbk PT BANK VICTORIA INTERNATIONAL Tbk
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
Tanggal 31 Desember 2024 dan untuk As of December 31, 2024 and
Tahun yang Berakhir pada Tanggal tersebut for the Year Ended
(Disajikan dalam ribuan Rupiah, (Expressed in thousands of Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
44. MANAJEMEN RISIKO (lanjutan) 44. RISK MANAGEMENT (continued)
Risiko kredit (lanjutan) Credit risk (continued)
i. Pengukuran risiko kredit i. Credit risk measurement
Dalam mengukur risiko kredit untuk pinjaman In measuring credit risk for loans, the Bank
yang diberikan, Bank mempertimbangkan considers the estimated losses when debtor may
estimasi kerugian saat debitur kemungkinan be unable to meet its obligations and estimated
tidak dapat memenuhi kewajibannya dan losses on defaulting debtor's liabilities.
estimasi kerugian atas kewajiban debitur yang To manage and monitor the credit risk, the Bank
telah wanprestasi. Untuk mengelola dan conducts a regular analysis of the loan portfolio
memantau risiko atas penyaluran pinjaman, and business segmentation based on the credit
secara rutin Bank melakukan analisis terhadap quality of debtor.
portofolio pinjaman dan segmentasi bisnis
berdasarkan kualitas kredit dari debitur.
ii. Pengendalian batas risiko dan kebijakan mitigasi ii. Risk limit control and mitigation policies
Untuk menghindari risiko konsentrasi kredit, To minimise the credit concentration risk, the
Bank menetapkan limit eksposur untuk setiap Bank sets an exposure limit to each related and
nasabah baik pihak berelasi maupun pihak third parties as mentioned in the maximum
ketiga dalam kebijakan batas maksimum lending limit policy.
pemberian pinjaman.
Bank mengelola, membatasi, dan The Bank manages, limits, and controls the
mengendalikan konsentrasi risiko kredit, secara credit concentration risk, in particular, to
khusus terhadap debitur individu maupun individual counterparties and groups, and to
kelompok, dan industri maupun geografis. industries and geographies.
Batas pemberian pinjaman ditelaah mengikuti Lending limits are reviewed in the light of
perubahan pada kondisi pasar dan ekonomi dan changing market and economic conditions and
evaluasi kredit secara periodik dan penilaian periodic credit reviews and assessments of
atas kemungkinan wanprestasi. probability of default.
Dalam proses pengajuan pinjaman, pembelian In the loan application process, purchase of
efek-efek maupun penempatan pada bank lain, securities and placement with other banks, the
Bank menetapkan dual control dalam rangka Bank sets dual control as part of four eyes
four eyes principles yang melibatkan petugas principles which involve marketing officers,
pemasaran, petugas pemeriksa dan pejabat supervisors and authorised approvers.
yang berwenang.
Beberapa pengendalian spesifik lainnya dan Some other specific controls and the mitigation
pengukuran mitigasi dijelaskan di bawah ini: measurement are explained as follows:
Agunan Collateral
Pengelolaan risiko kredit terhadap pinjaman Risk management of loans, not only maintain
yang diberikan tidak hanya menjaga kualitas loans quality but also to mitigate the risk with
pinjaman namun juga memitigasi risiko dengan additional assets as collateral to cover financial
tambahan aset sebagai jaminan atas kewajiban contractual obligation of debtors. Some of
kontraktual debitur. Beberapa jenis agunan yang acceptable collateral to mitigate the credit risk
diterima dalam rangka memitigasi risiko kredit such as:
antara lain:
• Kas (Deposito) • Cash (Deposits)
• Tanah dan/atau bangunan • Land and/or building
• Mesin dan peralatan • Machinery and equipment
• Kendaraan bermotor • Vehicle
• Piutang • Trade receivables
• Persediaan • Inventory
• Garansi perorangan/Perusahaan/Bank • Personal/Corporate/Bank Guarantee
142
Page 617
The original financial statements included herein are in
Indonesian language.
PT BANK VICTORIA INTERNATIONAL Tbk PT BANK VICTORIA INTERNATIONAL Tbk
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
Tanggal 31 Desember 2024 dan untuk As of December 31, 2024 and
Tahun yang Berakhir pada Tanggal tersebut for the Year Ended
(Disajikan dalam ribuan Rupiah, (Expressed in thousands of Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
44. MANAJEMEN RISIKO (lanjutan) 44. RISK MANAGEMENT (continued)
Risiko kredit (lanjutan) Credit risk (continued)
iii. Risiko kredit maksimum iii. Maximum credit risk
Untuk aset keuangan yang diakui di laporan For financial assets recognised on the
posisi keuangan, eksposur maksimum terhadap statements of financial position, the maximum
risiko kredit sama dengan nilai tercatat. Untuk exposure to credit risk equals their carrying
bank garansi, eksposur maksimum terhadap amount. For bank guarantees, the maximum
risiko kredit adalah nilai maksimum yang harus exposure to credit risk is the maximum amount
dibayarkan oleh Bank jika liabilitas atas bank that the Bank has to pay if the obligations of the
garansi terjadi. Untuk fasilitas pinjaman kepada bank guarantees issued are called upon. For the
nasabah yang belum digunakan, eksposur unused loan facilities, the maximum exposure to
maksimum terhadap risiko kredit adalah sebesar credit risk is the committed amount.
komitmen tersebut.
Eksposur maksimum risiko kredit terhadap aset The maximum exposure to credit risk of financial
keuangan pada laporan posisi keuangan pada assets on statements of financial position as of
tanggal 31 Desember 2024 dan 2023 adalah December 31, 2024 dan 2023 are as follows:
sebagai berikut:
Eksposur maksimum/
Maximum exposure
31 Desember 2024/ 31 Desember 2023/
December 31, 2024 December 31, 2023
Laporan posisi keuangan Statement of financial position
Current accounts with
Giro pada Bank Indonesia 1.401.052.981 1.493.076.850 Bank Indonesia
Giro pada bank lain 114.518.280 296.298.919 Current accounts with other banks
Penempatan pada Bank Placements with Bank Indonesia
Indonesia dan bank lain 12.200.000 916.367.530 and other banks
Efek-efek 7.463.989.140 6.285.563.736 Marketable securities
Efek-efek yang dibeli dengan Securities purchased under
janji dijual kembali 197.775.620 636.732.554 resale agreement
Pendapatan bunga yang
masih akan diterima 320.839.465 386.167.151 Interest income receivables
Pinjaman yang diberikan 20.559.860.321 18.628.743.177 Loans
Penyertaan saham 219.933.809 215.930.505 Investment in shares
Tagihan akseptasi 17.791.739 12.474.839 Acceptance receivables
Aset lain-lain 21.740.496 23.076.537 Other assets
Jumlah 30.329.701.851 28.894.431.798 Total
Dikurangi: Less:
Cadangan kerugian penurunan nilai (465.703.975) (614.260.677) Allowance for impairment losses
Jumlah - bersih 29.863.997.876 28.280.171.121 Total - net
143
Page 618
The original financial statements included herein are in
Indonesian language.
PT BANK VICTORIA INTERNATIONAL Tbk PT BANK VICTORIA INTERNATIONAL Tbk
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
Tanggal 31 Desember 2024 dan untuk As of December 31, 2024 and
Tahun yang Berakhir pada Tanggal tersebut for the Year Ended
(Disajikan dalam ribuan Rupiah, (Expressed in thousands of Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
44. MANAJEMEN RISIKO (lanjutan) 44. RISK MANAGEMENT (continued)
Risiko kredit (lanjutan) Credit risk (continued)
iii. Risiko kredit maksimum (lanjutan) iii. Maximum credit risk (continued)
Eksposur maksimum risiko kredit terhadap The maximum credit risk exposures relating to
rekening administratif pada tanggal administrative accounts as of December 31,
31 Desember 2024 dan 2023 adalah sebagai 2024 and 2023 are as follows:
berikut:
31 Desember/December 31,
2024 2023
Rekening administratif Administrative accounts
Fasilitas pinjaman yang belum
digunakan 4.661.563.665 5.297.647.138 Unused loan facilities
Letter of credit 169.275.405 60.563.964 Letter of credit
Garansi yang diterbitkan 522.142.989 982.802.950 Guarantees issued
Jumlah 5.352.982.059 6.341.014.052 Total
Dikurangi: Less:
Cadangan kerugian penurunan nilai (1.270.842) (547.808) Allowance for impairment losses
Jumlah - bersih 5.351.711.217 6.340.466.244 Total - net
Tabel di atas menggambarkan eksposur The table above shows the maximum exposure
maksimum atas risiko kredit bagi Bank pada to credit risk for the Bank as of December 31,
tanggal 31 Desember 2024 dan 2023, sebelum 2024 and 2023, gross of allowance for
memperhitungkan cadangan kerugian impairment losses and collateral. For financial
penurunan nilai kredit dan agunan. Untuk aset assets, the exposures set out above are based
keuangan, eksposur di atas ditentukan on the gross carrying value as disclosed in the
berdasarkan nilai tercatat bruto seperti yang statements of financial position.
diungkapkan pada laporan posisi keuangan.
Seperti yang telah dijelaskan di atas, pada As mentioned above, as of December 31, 2024
tanggal 31 Desember 2024 dan 2023 and 2023, amounted to 67.79% and 64.47% of
masing-masing sebesar 67,79% dan 64,47% the total maximum exposure, respectively, is
dari jumlah eksposur maksimum adalah berasal derived from loans (gross of allowance for
dari pinjaman yang diberikan (sebelum impairment losses).
memperhitungkan cadangan kerugian
penurunan nilai).
iv. Evaluasi penurunan nilai iv. Impairment assessment
Untuk tujuan akuntansi, Bank menggunakan For accounting purposes, the Bank uses an
model kerugian kredit ekspektasian untuk expected credit loss model for the recognition of
pengakuan kerugian penurunan nilai aset losses on impaired financial assets.
keuangan.
144
Page 619
The original financial statements included herein are in
Indonesian language.
PT BANK VICTORIA INTERNATIONAL Tbk PT BANK VICTORIA INTERNATIONAL Tbk
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
Tanggal 31 Desember 2024 dan untuk As of December 31, 2024 and
Tahun yang Berakhir pada Tanggal tersebut for the Year Ended
(Disajikan dalam ribuan Rupiah, (Expressed in thousands of Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
44. MANAJEMEN RISIKO (lanjutan) 44. RISK MANAGEMENT (continued)
Risiko kredit (lanjutan) Credit risk (continued)
iv. Evaluasi penurunan nilai (lanjutan) iv. Impairment assessment (continued)
Pertimbangan utama evaluasi penurunan nilai The main considerations for the loan impairment
pinjaman yang diberikan termasuk adanya assessment include whether any payments of
pembayaran pokok atau bunga yang jatuh tempo principal or interest are overdue by more than 30
lebih dari 30 (tiga puluh) hari dan 90 (sembilan (thirty) days and 90 (ninety) days or there are any
puluh) hari atau terdapat kesulitan atau known difficulties, or infringement of the original
pelanggaran dari persyaratan yang terdapat terms of the contract. The Bank addresses
dalam kontrak awal yang diketahui. Bank impairment assessment in 2 (two) areas:
melakukan evaluasi penurunan nilai dalam individually assessed allowances and
2 (dua) area yaitu evaluasi penurunan nilai collectively assessed allowances.
secara individual dan evaluasi penurunan nilai
secara kolektif.
a. Evaluasi penurunan nilai secara individual a. Individually assessed allowances
Bank menentukan penyisihan kerugian The Bank determines the allowances for
penurunan nilai secara individual untuk impairment losses for each significant loans
masing-masing pinjaman signifikan yang on an individual basis and have objective
diberikan dan memiliki bukti objektif evidence of impairment.
penurunan nilai.
b. Evaluasi penurunan nilai secara kolektif b. Collectively assessed allowances
Evaluasi penyisihan kerugian penurunan Allowances for impairment losses are
nilai secara kolektif dilakukan atas pinjaman assessed collectively for losses on loans
yang diberikan yang tidak signifikan secara that are not individually significant and for
individual dan juga untuk pinjaman individually significant loans with no
signifikan yang diberikan yang tidak memiliki objective evidence of impairment.
bukti objektif penurunan nilai.
v. Kualitas aset keuangan v. Quality of financial assets
Pada tanggal 31 Desember 2024 dan 2023, As of December 31, 2024 and 2023, credit risk
eksposur risiko kredit atas aset keuangan terbagi exposure relating to financial assets are divided
atas: as follows:
31 Desember/ December 31, 2024
Stage 1 Stage 2 Stage 3 Jumlah/Total
Current accounts with
Giro pada Bank Indonesia 1.401.052.981 - - 1.401.052.981 Bank Indonesia
Current accounts with
Giro pada bank lain 114.518.280 - - 114.518.280 other banks
Placements with Bank
Penempatan pada Bank Indonesia and
Indonesia dan bank lain 12.200.000 - - 12.200.000 other banks
Efek-efek 7.463.989.140 - - 7.463.989.140 Marketable securities
Securities purchased
Efek-efek yang dibeli under resale
dengan janji dijual kembali 197.775.620 - - 197.775.620 agreement
Pinjaman yang diberikan 19.119.576.021 784.838.757 655.445.543 20.559.860.321 Loans
Pendapatan bunga yang Interest income
masih akan diterima 264.098.649 54.995.381 1.745.435 320.839.465 receivables
Tagihan akseptasi 17.791.739 - - 17.791.739 Acceptance receivable
Penyertaan saham 219.933.809 - - 219.933.809 Investment in shares
Aset lain-lain 21.740.496 - - 21.740.496 Other assets
Jumlah 28.832.676.735 839.834.138 657.190.978 30.329.701.851 Total
Dikurangi: Less:
Cadangan kerugian Allowance for
penurunan nilai (465.703.975) impairment losses
Jumlah - bersih 29.863.997.876 Total - net
145
Page 620
The original financial statements included herein are in
Indonesian language.
PT BANK VICTORIA INTERNATIONAL Tbk PT BANK VICTORIA INTERNATIONAL Tbk
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
Tanggal 31 Desember 2024 dan untuk As of December 31, 2024 and
Tahun yang Berakhir pada Tanggal tersebut for the Year Ended
(Disajikan dalam ribuan Rupiah, (Expressed in thousands of Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
44. MANAJEMEN RISIKO (lanjutan) 44. RISK MANAGEMENT (continued)
Risiko kredit (lanjutan) Credit risk (continued)
v. Kualitas aset keuangan v. Quality of financial assets
Pada tanggal 31 Desember 2024 dan 2023, As of December 31, 2024 and 2023, credit risk
eksposur risiko kredit atas aset keuangan terbagi exposure relating to financial assets are divided
atas: (lanjutan) as follows: (continued)
31 Desember/ December 31, 2023
Jumlah/
Stage 1 Stage 2 Stage 3 Total
Current accounts with
Giro pada Bank Indonesia 1.493.076.850 - - 1.493.076.850 Bank Indonesia
Current accounts with
Giro pada bank lain 296.298.919 - - 296.298.919 other banks
Placements with Bank
Penempatan pada Bank Indonesia and
Indonesia dan bank lain 916.367.530 - - 916.367.530 other banks
Efek-efek 6.285.563.736 - - 6.285.563.736 Marketable securities
Securities purchased
Efek-efek yang dibeli under resale
dengan janji dijual kembali 636.732.554 - - 636.732.554 agreement
Pinjaman yang diberikan 16.834.895.372 1.050.384.426 743.463.379 18.628.743.177 Loans
Pendapatan bunga yang
masih akan diterima 286.842.088 99.325.063 - 386.167.151 Interest receivables
Tagihan akseptasi 12.474.839 - - 12.474.839 Acceptance receivable
Penyertaan saham 215.930.505 - - 215.930.505 Investment in shares
Aset lain-lain 23.076.537 - - 23.076.537 Other assets
Jumlah 27.001.258.930 1.149.709.489 743.463.379 28.894.431.798 Total
Dikurangi: Less:
Cadangan kerugian Allowance for
penurunan nilai (614.260.677) impairment losses
Jumlah - bersih 28.280.171.121 Total - net
Dalam menentukan kualitas kredit berdasarkan In determining credit quality by client segment
segmen klien dipantau dan dianalisis are monitored and analised based on days past
berdasarkan hari tunggakan (days past due) dan due and qualitative criteria as explained in
kriteria kualitatif sebagaimana dijelaskan pada Note 2g.
Catatan 2g.
Dalam hal terdapat keraguan terhadap Where there is doubt on the ability of the debtors
kemampuan debitur untuk melakukan to meet contractual payments when due, the
pembayaran kontraktual pada saat jatuh tempo, terms of the loans might be renegotiated based
persyaratan kredit dapat dinegosiasikan kembali on mutual agreement between the Bank and the
berdasarkan kesepakatan antara Bank dan debtors.
debitur.
146
Page 621
The original financial statements included herein are in
Indonesian language.
PT BANK VICTORIA INTERNATIONAL Tbk PT BANK VICTORIA INTERNATIONAL Tbk
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
Tanggal 31 Desember 2024 dan untuk As of December 31, 2024 and
Tahun yang Berakhir pada Tanggal tersebut for the Year Ended
(Disajikan dalam ribuan Rupiah, (Expressed in thousands of Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
44. MANAJEMEN RISIKO (lanjutan) 44. RISK MANAGEMENT (continued)
Risiko kredit (lanjutan) Credit risk (continued)
v. Kualitas aset keuangan (lanjutan) v. Quality of financial assets (continued)
Dampak langsung dan tidak langsung atas Direct and indirect effects of the COVID-19
pandemi COVID-19 mempengaruhi outbreak are impacting the global economy,
perekonomian global, pasar, dan pihak lawan markets, and the counterparties and debtor of
maupun debitur dari Bank. Manajemen telah the Bank. Management has taking actions to
melakukan langkah-langkah untuk memitigasi mitigate the impacts on the Bank’s business as
dampak terhadap bisnis Bank sebagai berikut: follows:
· Mempersiapkan skema restrukturisasi/ · Establish various temporary credit
relaksasi kredit sementara untuk debitur yang restructuring/relaxation scheme for
terdampak COVID-19. customers affected by COVID-19.
· Melakukan penyaluran pinjaman yang · Provide loans to customers selectively with
diberikan secara selektif dengan menerapkan prudent principles.
prinsip kehati-hatian.
· Meningkatkan upaya penagihan dan · Increase efforts on collections and
penyelesaian kredit bermasalah. settlements of non-performing loans.
· Melakukan efisiensi biaya operasional. · Manage operational expenses efficiently.
· Menerapkan manajemen risiko likuiditas · Implement liquidity risk management
secara optimum untuk menjaga posisi optimally to secure the Bank’s liquidity
likuiditas Bank. position.
Manajemen juga melakukan analisa Management also performs a risk-based
berdasarkan risiko atas sektor-sektor yang assessment of those sectors most impacted by
paling terkena dampak penurunan akibat the COVID-19 downturn, and performs a
COVID-19, dan melakukan review kualitatif atas qualitative review of the ECL calculation
perhitungan ECL terhadap sektor-sektor associated with those sectors to ensure that
tersebut untuk meyakinkan bahwa ECL overall ECL is sufficient.
mencukupi.
Untuk debitur yang masih memiliki prospek For debtors who still have good business
usaha serta kemampuan membayar kewajiban, prospects and the ability to pay, the Bank can
Bank dapat memberikan relaksasi kredit antara provide loan relaxation, among others through
lain dalam bentuk perpanjangan tenor tenor extension in accordance with the debtor's
disesuaikan dengan siklus usaha debitur saat ini current business cycle (generally for period up to
(pada umumnya untuk masa hingga 1 year). Meanwhile, for debtors who need
1 tahun). Sementara untuk debitur yang relatively longer recovery time, its can be given
membutuhkan waktu pemulihan relatif lebih loan restructuring, among others in the form of
lama, dapat diberikan restrukturisasi kredit, grace period/payment holiday and/or a reduction
in interest rates.
antara lain dalam bentuk pemberian masa
tenggang/penundaan pembayaran dan/atau
penurunan suku bunga.
Sampai dengan tanggal 31 Desember 2024 dan As of December 31, 2024 and 2023, there are
2023, terdapat 186 dan 235 debitur dengan total 186 and 235 debtors with total outstanding loans
pinjaman sebesar Rp2.206.449.707 dan of Rp2,206,449,707 and Rp2,868,304,020
Rp2.868.304.020 yang telah direstrukturisasi. respectively which have been restructured.
147
Page 622
The original financial statements included herein are in
Indonesian language.
PT BANK VICTORIA INTERNATIONAL Tbk PT BANK VICTORIA INTERNATIONAL Tbk
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
Tanggal 31 Desember 2024 dan untuk As of December 31, 2024 and
Tahun yang Berakhir pada Tanggal tersebut for the Year Ended
(Disajikan dalam ribuan Rupiah, (Expressed in thousands of Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
44. MANAJEMEN RISIKO (lanjutan) 44. RISK MANAGEMENT (continued)
Risiko kredit (lanjutan) Credit risk (continued)
v. Kualitas aset keuangan (lanjutan) v. Quality of financial assets (continued)
Manajemen telah berupaya untuk memperbaiki Management has made efforts to improve the
kualitas kredit Bank dan menjaga rasio NPL quality of the Bank's credit and maintain the NPL
dibawah ketentuan maksimal yang ratio below the maximum stipulated by the OJK
dipersyaratkan oleh OJK dengan melakukan hal- by doing the following:
hal sebagai berikut:
· Melakukan cessie pinjaman untuk debitur · Conduct a loan cessie for debtors who fall
yang masuk ke dalam kategori pinjaman yang into the non-performing loan category;
bermasalah;
· Mentransfer pinjaman untuk debitur yang · Transferring loans for debtors that are
masuk ke dalam kategori pinjaman yang categorised as non-performing loans into
bermasalah menjadi Aset Yang Diambil Alih Foreclosed Assets (“AYDA”) by taking over
(“AYDA”) dengan mengambil alih agunan the collateral guaranteed by the debtor;
yang dijaminkan oleh debitur;
· Membuat pembentukan cadangan kerugian · Create an additional allowance for
penurunan nilai tambahan untuk pinjaman; impairment losses for loans; and
dan
· Melakukan restrukturisasi pinjaman sesuai · Performed loan restructuring in accordance
dengan ketentuan dari OJK. with the provisions of the OJK.
Mengingat model perhitungan kerugian kredit Considering that the expected credit loss
ekspektasian tidak sepenuhnya dapat calculation model cannot produce an
menghasilkan estimasi kerugian yang akurat accurate estimation of losses in abnormal
dalam kondisi ekonomi yang abnormal, maka economic conditions, Management has also
Manajemen juga sudah memperhitungkan taken into account several adjustment
beberapa faktor penyesuaian untuk memastikan factors to ensure the expected value of the
nilai kerugian kredit ekspektasian yang diakui expected credit loss recognised in the financial
dalam laporan keuangan dinyatakan secara statements is stated fairly. In assessing
wajar. Dalam menilai kondisi masa depan, future conditions, management has
manajemen telah mempertimbangkan berbagai considered various relevant information
informasi relevan yang tersedia, termasuk available, including COVID-19 policies issued by
kebijakan COVID-19 yang dikeluarkan oleh the government to support and mitigate the
pemerintah untuk mendukung dan mengurangi impact of the spread of COVID-19 on the
dampak penyebaran COVID-19 terhadap economy, and encouragement for banks to defer
perekonomian, dan mendorong Bank untuk or restructure loans.
menunda atau merestrukturisasi pinjaman.
Dalam kondisi normal, penjadwalan ulang atau Under normal conditions, a rescheduling or
restrukturisasi pinjaman akan menunjukkan restructuring of a loan would indicate
peningkatan risiko kredit yang signifikan dan a significant increase in credit risk and a move to
pindah ke Stage 2. Namun, dalam kondisi saat Stage 2. However, in the current condition,
ini, manajemen telah mempertimbangkan bahwa management has considered that such
restrukturisasi atau peristiwa tidak secara a restructuring or event was not automatically
otomatis memicu peningkatan risiko kredit yang trigger a significant increase in credit risk if the
signifikan jika debitur diharapkan untuk debtor would be expected to recover and fulfill
memulihkan dan memenuhi kewajiban their contractual obligations after the end of the
kontraktual mereka setelah akhir periode restructuring or relaxation period.
restrukturisasi atau relaksasi.
148
Page 623
The original financial statements included herein are in
Indonesian language.
PT BANK VICTORIA INTERNATIONAL Tbk PT BANK VICTORIA INTERNATIONAL Tbk
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
Tanggal 31 Desember 2024 dan untuk As of December 31, 2024 and
Tahun yang Berakhir pada Tanggal tersebut for the Year Ended
(Disajikan dalam ribuan Rupiah, (Expressed in thousands of Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
44. MANAJEMEN RISIKO (lanjutan) 44. RISK MANAGEMENT (continued)
Risiko kredit (lanjutan) Credit risk (continued)
v. Kualitas aset keuangan (lanjutan) v. Quality of financial assets (continued)
Asumsi dan pertimbangan utama dalam Key assumptions and judgments in
menentukan kerugian kredit ekspektasian determining expected credit loss
Lifetime Lifetime
Kerugian kredit ekspektasian diestimasikan Expected credit loss is estimated based on the
berdasarkan periode dimana Bank terpapar period over which the Bank is exposed to credit
pada risiko kredit. Bank memiliki proses review risk. The Bank has a review process for each of
dari setiap model bisnis/produknya. Baik kredit its business models/products. Both revolving and
revolving maupun non-revolving, untuk non-revolving loans, to calculate expected credit
menghitung kerugian kredit ekspektasian losses using the contractual term in accordance
menggunakan jangka waktu kontraktual sesuai with the contract period. Determination of this
dengan jangka waktu kontraknya. Penetapan period, especially for revolving credit, is carried
periode tersebut khususnya untuk kredit out by taking into account the conditions in which
revolving dilakukan dengan mempertimbangkan the Bank carries out the process of extending
kondisi dimana proses perpanjangan kredit revolving credit through a robust study, namely
revolving yang diberikan oleh Bank dilakukan through a substantive compared to
melalui kajian yang robust yaitu melalui evaluasi administrative evaluation.
yang substantif dibandingkan administratif.
Lingkungan ekonomi yang berkembang adalah The developing economic environment is the key
penentu utama dari kemampuan nasabah Bank determinant of the ability of a Bank’s customer to
untuk memenuhi kewajiban mereka saat jatuh meet their obligations as they fall due. It is a
tempo. Ini adalah prinsip dasar PSAK 109 fundamental principle of SFAS 109 (previously
(dahulu PSAK 71) bahwa potensi kerugian kredit SFAS 71) that the potential future credit losses
di masa depan harus bergantung tidak hanya should depend not just on the health of the
pada kesehatan ekonomi saat ini, tetapi juga economy today, but should also take into
harus memperhitungkan kemungkinan account potential changes to the economic
perubahan pada lingkungan ekonomi. Misalnya, environment. For example, if the Bank was to
jika Bank mengantisipasi perlambatan tajam anticipate a sharp slowdown in the world
dalam ekonomi dunia, Bank harus membentuk economy, Bank should make more provisions
lebih banyak cadangan hari ini untuk menyerap today to absorb the credit losses likely to occur
kerugian kredit yang kemungkinan akan terjadi in the near future.
dalam waktu dekat.
Untuk menangkap efek perubahan pada To capture the effect of changes to the economic
lingkungan ekonomi, model PD digunakan untuk environment, PD model is used to calculate
menghitung kerugian kredit ekspektasian, expected credit loss, by incorporating forward-
dengan memasukkan informasi forward looking looking information in the form of forecasts of the
dalam bentuk perkiraan nilai-nilai variabel values of economic variables that are likely to
ekonomi yang kemungkinan akan berdampak have an effect on the repayment ability of the
pada kemampuan pembayaran kembali Bank’s customer.
nasabah Bank.
Berbagai MEV digunakan untuk setiap model Various of MEVs are used for each PD model,
PD, tergantung pada hasil analisis statistik depending on the statistical analysis result of
kesesuaian MEV dengan PD serta konsensus appropriateness of the MEV with PD as well as
dari pakar kredit. Diantaranya adalah indeks consensus from credit expert. Amongst others
barang konsumtif, inflasi, dan GDP Nasional. are consumer goods index, inflation and National
GDP.
149
Page 624
The original financial statements included herein are in
Indonesian language.
PT BANK VICTORIA INTERNATIONAL Tbk PT BANK VICTORIA INTERNATIONAL Tbk
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
Tanggal 31 Desember 2024 dan untuk As of December 31, 2024 and
Tahun yang Berakhir pada Tanggal tersebut for the Year Ended
(Disajikan dalam ribuan Rupiah, (Expressed in thousands of Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
44. MANAJEMEN RISIKO (lanjutan) 44. RISK MANAGEMENT (continued)
Risiko kredit (lanjutan) Credit risk (continued)
v. Kualitas aset keuangan (lanjutan) v. Quality of financial assets (continued)
Asumsi dan pertimbangan utama dalam Key assumptions and judgments in
menentukan kerugian kredit ekspektasian determining expected credit loss (continued)
(lanjutan)
Sensitivitas MEV terhadap ECL Sensitivity of MEV to ECL
Perhitungan ECL bergantung pada beberapa The ECL calculation relies on multiple variables
variabel dan pada dasarnya tidak linier dan and is inherently non-linear and portfolio-
tergantung pada portofolio, yang menyiratkan dependent, which implies that no single analysis
bahwa tidak ada analisis tunggal yang dapat can fully demonstrate the sensitivity of the
sepenuhnya menunjukkan sensitivitas kerugian expected credit loss to changes in the MEVs. The
kredit ekspektasian terhadap perubahan dalam Bank believes that sensitivity should be
MEV. Bank berkeyakinan bahwa sensitivitas performed to all variables, instead of single
harus dilakukan terhadap seluruh variabel, variable, as this aligns with the multi-variable
alih-alih variabel tunggal, karena hal ini sejalan nature of the ECL calculation.
dengan sifat multi-variabel dari perhitungan ECL.
Analisis sensitivitas ECL dilakukan untuk A sensitivity analysis of ECL was undertaken to
mengeksplorasi efek dari pandemi global explore the effect of the global COVID-19
COVID-19 yang menyebabkan perlambatan pandemic that leads to Indonesia economy
ekonomi Indonesia. slowdown.
Risiko pasar Market risk
Risiko pasar adalah risiko pada laporan posisi Market risk is the risk on the statements of
keuangan dan rekening administratif termasuk financial position and administrative accounts,
transaksi derivatif, akibat perubahan secara including derivative transactions, due to overall
keseluruhan dari kondisi pasar, termasuk risiko changes in market conditions, including the risk of
perubahan harga opsi. Risiko pasar meliputi, change of option price. Market risk include,
antara lain, risiko tingkat suku bunga, risiko nilai among others, interest rate risk, foreign exchange
tukar, risiko ekuitas dan risiko komoditas. Risiko risk, equity risk and commodity risk. Interest rate
tingkat suku bunga, risiko nilai tukar dan risiko risk, foreign exchange risk and commodity risk
komoditas dapat berasal baik dari posisi trading can come from trading book and banking book,
book maupun posisi banking book, sedangkan whereas equity risk come from trading book.
risiko ekuitas berasal dari posisi trading book. Assets & Liabilities Committee (ALCO) is a
Assets & Liabilities Committee (ALCO) committee assisting Directors in monitoring and
merupakan komite yang membantu Direksi maintaining market risk.
dalam mengawasi dan mengelola risiko pasar.
Risiko pasar melekat pada aktivitas fungsional Market risk is adhered on functional activities of
Bank seperti kegiatan treasury dan investasi the Bank such as treasury activity and investment
dalam bentuk efek-efek dan pasar uang maupun in securities and money market or investment in
penyertaan pada lembaga keuangan lainnya, other financing institution, funding and lending,
penyediaan dana dan pinjaman, kegiatan funding activity and issued obligation and
pendanaan dan penerbitan surat utang, serta financing trading activity. The Bank must and
kegiatan pembiayaan perdagangan. Untuk itu, always identify and monitor from time to time to
Bank harus dan selalu melakukan identifikasi anticipate the market risk.
dan pemantauan dari waktu ke waktu untuk
mengantisipasi adanya risiko pasar.
150
Page 625
The original financial statements included herein are in
Indonesian language.
PT BANK VICTORIA INTERNATIONAL Tbk PT BANK VICTORIA INTERNATIONAL Tbk
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
Tanggal 31 Desember 2024 dan untuk As of December 31, 2024 and
Tahun yang Berakhir pada Tanggal tersebut for the Year Ended
(Disajikan dalam ribuan Rupiah, (Expressed in thousands of Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
44. MANAJEMEN RISIKO (lanjutan) 44. RISK MANAGEMENT (continued)
Risiko pasar (lanjutan) Market risk (continued)
Tujuan dari manajemen risiko pasar adalah untuk The objective of market risk management is to
melakukan identifikasi, pengukuran, pengendalian, identify, measure, control, and manage market risk
dan pengelolaan eksposur risiko pasar dalam exposures within acceptable parameters, while
parameter yang dapat diterima, serta optimising the returns. This is done through a
memaksimalkan tingkat pengembalian. Hal ini comprehensive policy and limit framework to
dilakukan melalui kebijakan yang komprehensif dan indentify, measure, and monitor the amount of risk
kerangka limit untuk mengidentifikasi, mengukur, dan based on risk appetite of the Bank.
memantau nilai risiko berdasarkan tingkat risiko yang
akan diambil (risk appetite) oleh Bank.
Dalam melakukan pengukuran risiko pasar, Bank In measuring market risk, the Bank uses the
menggunakan perhitungan Metode Standar untuk Standardised Method in calculating Capital Adequacy
menghitung Kewajiban Penyediaan Modal Minimum Ratio (CAR) for market risk.
(KPMM) untuk risiko pasar.
Risiko tingkat suku bunga Interest rate risk
Risiko tingkat suku bunga timbul dari adanya Interest rate risk arise from the possibility that
kemungkinan bahwa perubahan tingkat suku bunga changes in interest rates will affect future cash flows
akan mempengaruhi arus kas masa depan dari nilai or the fair values of financial instruments.
wajar instrumen keuangan.
Dalam rangka meminimalkan risiko tingkat suku To minimise interest rate risk, the Bank makes the
bunga, Bank melakukan upaya-upaya sebagai following efforts, among others:
berikut, antara lain:
- Meningkatkan fungsi dan peran Assets & Liabilities - Increasing function and role of Assets & Liabilities
Committee (ALCO) dalam rangka identifikasi dan Committee (ALCO) in identifying and determining
penetapan tingkat suku bunga pinjaman dan dana interest rate and third party funds to anticipate
pihak ketiga untuk mengantisipasi fluktuasi suku fluctuations in market interest rate.
bunga pasar.
- Penerapan Kebijakan Assets & Liabilities - Application of Assets & Liabilities Management's
Management (ALMA) untuk pihak berelasi dalam (ALMA) policy to related parties in application of risk
penerapan manajemen risiko Bank dan merupakan management of the Bank and it is one of a guidance
salah satu pedoman bagi unit kerja Treasury dalam for Treasury working unit in money market and
melakukan transaksi di pasar uang dan pasar capital market transactions such as:
modal seperti:
i. Melakukan identifikasi risiko tingkat suku bunga i. Identifying interest rate risk from transaction and
yang berasal dari transaksi dan portofolio Bank Bank's portfolio of securities;
pada Efek-efek;
ii. Penetapan sistem pengukuran risiko tingkat ii. Determining measuring system of interest rate
suku bunga dengan menggunakan gap risk using gap analysis or duration analysis; and
analysis atau duration analysis; dan
iii. Strategi penanaman dana dan strategi iii. Strategies of investment and collection of funds.
pengumpulan dana.
151
Page 626
The original financial statements included herein are in
Indonesian language.
PT BANK VICTORIA INTERNATIONAL Tbk PT BANK VICTORIA INTERNATIONAL Tbk
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
Tanggal 31 Desember 2024 dan untuk As of December 31, 2024 and
Tahun yang Berakhir pada Tanggal tersebut for the Year Ended
(Disajikan dalam ribuan Rupiah, (Expressed in thousands of Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
44. MANAJEMEN RISIKO (lanjutan) 44. RISK MANAGEMENT (continued)
Risiko pasar (lanjutan) Market risk (continued)
Risiko tingkat suku bunga (lanjutan) Interest rate risk (continued)
Tabel berikut merupakan kisaran tingkat suku bunga The following table summarises the range of
kontraktual per tahun untuk aset dan liabilitas contractual interest rates per annum for significant
keuangan yang signifikan untuk tahun yang berakhir financial assets and liabilities for the years ended
pada tanggal 31 Desember 2024 dan 2023: December 31, 2024 and 2023:
31 Desember/December 31,
2024 2023
Aset Assets
Giro pada bank lain 0,00% - 2,00% 0,00% - 0,25% Current accounts with other banks
Penempatan pada Placements with Bank
Bank Indonesia dan bank lain 5,60% - 6,75% 5,20% - 6,45% Indonesia and other banks
Efek-efek 2,35% - 11,00% 4,95% - 11,00% Marketable securities
Efek-efek yang dibeli dengan Securities purchased under
janji dijual kembali 6,55% - 6,65% 6,25% - 6,35% resale agreements
Pinjaman yang diberikan 1,00% - 18,00% 1,00% - 20,00% Loans
Liabilitas Liabilities
Simpanan nasabah 0,00% - 8,00% 0,00% - 8,20% Deposits from customers
Simpanan dari bank lain 0,00% - 7,00% 0,00% - 6,50% Deposits from other banks
Efek-efek yang diterbitkan 9,25% - 11,75% 9,25% - 11,75% Securities issued
Efek-efek yang dijual dengan janji Securities sold
dibeli kembali 6,55% - 6,65% 6,25% - 6,35% under repurchase agreements
Sensitivitas terhadap laba bersih Sensitivity to net income
Tabel di bawah ini mengikhtisarkan sensitivitas laba The following table summarises the sensitivity of
bersih Bank pada tanggal 31 Desember 2024 dan Bank’s net income to movement of interest rates on
2023 atas perubahan tingkat suku bunga December 31, 2024 and 2023 (unaudited):
(tidak diaudit):
31 Desember/December 31, 2024
Peningkatan dalam Penurunan dalam
100 basis poin/ 100 basis poin/
Increase by Decrease by
100 basis point 100 basis point
Pengaruh terhadap laba bersih 5.564.767 (5.564.767) Impact to net income
31 Desember/December 31, 2023
Peningkatan dalam Penurunan dalam
100 basis poin/ 100 basis poin/
Increase by Decrease by
100 basis point 100 basis point
Pengaruh terhadap laba bersih 5.841.118 (5.841.118) Impact to net income
152
Page 627
The original financial statements included herein are in
Indonesian language.
PT BANK VICTORIA INTERNATIONAL Tbk PT BANK VICTORIA INTERNATIONAL Tbk
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
Tanggal 31 Desember 2024 dan untuk As of December 31, 2024 and
Tahun yang Berakhir pada Tanggal tersebut for the Year Ended
(Disajikan dalam ribuan Rupiah, (Expressed in thousands of Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
44. MANAJEMEN RISIKO (lanjutan) 44. RISK MANAGEMENT (continued)
Risiko pasar (lanjutan) Market risk (continued)
Risiko tingkat suku bunga (lanjutan) Interest rate risk (continued)
Proyeksi di atas mengasumsikan bahwa tingkat suku The projection above assumes that interest rates of
bunga bergerak pada jumlah yang sama, sehingga all maturities move by the same amount and,
tidak mencerminkan pengaruh potensial laba atas therefore, do not reflect the profit potential impact on
perubahan beberapa tingkat suku bunga sementara the changes of some interest rates while others
yang lainnya tidak berubah. Proyeksi juga remain unchanged. The projections also assume that
mengasumsikan bahwa seluruh variabel lainnya all other variables are held constant and based on a
adalah konstan dan berdasarkan tanggal pelaporan constant reporting date position and that all positions
yang konstan serta seluruh posisi hingga jatuh run to maturity.
tempo.
Risiko likuiditas merupakan risiko akibat Liquidity risk is the risk arising from the inability of the
ketidakmampuan Bank memenuhi kewajiban yang Bank to meet the maturing obligations from cash flow
jatuh tempo dari sumber pendanaan arus kas funding sources and/or from high-quality liquid assets
dan/atau dari aset likuid berkualitas tinggi yang dapat that can be pledged, without disturbing the activities
diagunkan, tanpa mengganggu aktivitas dan kondisi and financial condition of the Bank. The inability to
keuangan Bank. Ketidakmampuan memperoleh obtain funding for cash flows resulting to liquidity risk
sumber pendanaan arus kas sehingga menimbulkan can be contributed by:
risiko likuiditas dapat disebabkan antara lain oleh:
a. Ketidakmampuan menghasilkan arus kas yang a. Inability to generate cash flows from productive
berasal dari aset produktif maupun yang berasal assets as well as from the sale of assets, including
dari penjualan aset termasuk aset likuid; dan/atau liquid assets; and/or
b. Ketidakmampuan menghasilkan arus kas yang b. Inability to generate cash flows from funding and
berasal dari penghimpunan dana dan transaksi interbank transactions.
antar Bank.
Risiko likuiditas berhubungan dengan adanya Liquidity risk related with the possibility of Bank’s
kemungkinan Bank tidak dapat memenuhi inability to meet the maturing obligations to its
kewajibannya terhadap deposan, investor atau customers, investors or creditors in which due to the
kreditur yang diantaranya disebabkan dari limitation of funding line or inability of the Bank to
keterbatasan akses pendanaan atau liquidate its assets with the fair value. Assets and
ketidakmampuan Bank untuk melikuidasi aset yang Liabilities Committee (ALCO) is a commitee under
dimiliki dengan harga yang wajar. Assets and Director who monitor and manage liquidity risk.
Liabilities Committee (ALCO) merupakan komite
yang membantu Direksi dalam mengawasi dan
mengelola risiko likuiditas.
Secara umum, tujuan utama manajemen risiko untuk In general, the main purpose of liquidity risk
risiko likuiditas adalah untuk meminimalkan management is to minimise the possibility of the
kemungkinan ketidakmampuan Bank dalam Bank's inability to obtain sources of financing. Thus
memperoleh sumber pendanaan arus kas. Dengan the Bank can fulfill any financial obligations as they fall
demikian Bank dapat memenuhi setiap kewajiban due in a timely manner, and in order to maintain an
keuangan yang sudah diperjanjikan secara tepat adequate and optimal level of liquidity.
waktu, dan agar senantiasa dapat memelihara tingkat
likuiditas yang memadai dan optimal.
153
Page 628
The original financial statements included herein are in
Indonesian language.
PT BANK VICTORIA INTERNATIONAL Tbk PT BANK VICTORIA INTERNATIONAL Tbk
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
Tanggal 31 Desember 2024 dan untuk As of December 31, 2024 and
Tahun yang Berakhir pada Tanggal tersebut for the Year Ended
(Disajikan dalam ribuan Rupiah, (Expressed in thousands of Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
44. MANAJEMEN RISIKO (lanjutan) 44. RISK MANAGEMENT (continued)
Risiko likuiditas Liquidity risk
Kebijakan pengelolaan risiko likuiditas antara lain Liquidity risk management policies include the active
mencakup pengawasan aktif Dewan Komisaris dan supervision of the Board of Commissioners and Board
Direksi, yang pada intinya mengatur penerapan of Directors, which basically set the implementation of
Manajemen Risiko likuiditas pada Bank, Kebijakan the Bank's Liquidity Risk Management, Liquidity Risk
Manajemen Risiko likuiditas yang secara umum Management Policy which generally include liquidity
mencakup strategi manajemen risiko likuiditas, risk management strategy, the level of risk to be taken
tingkat risiko yang akan diambil (risk appetite) dan (risk appetite) and risk tolerance (risk tolerance) and
toleransi risiko (risk tolerance) dan Sistem Informasi Information Systems Risk Management and Internal
Manajemen Risiko serta Sistem Pengendalian Control System by implementing internal control and
Internal dengan menerapkan pengendalian internal review of appropriate independent of the
dan kaji ulang independen yang memadai terhadap implementation of Risk Management for liquidity risk
penerapan Manajemen Risiko untuk Risiko likuiditas is carried out by the Internal Audit (SKAI) and Risk
yang dilaksanakan oleh Satuan Kerja Audit Internal Management Unit (SKMR).
(SKAI) dan Satuan Kerja Manajemen Risiko (SKMR).
Tujuan dari manajemen risiko likuiditas adalah untuk The objective of liquidity risk management is to
memastikan bahwa setiap kebutuhan dana di saat ini ensure that current and future fund requirements can
maupun di masa datang baik untuk kondisi normal be met both in normal or stress condition.
maupun kondisi stres dapat dipenuhi.
Bank mengelola risiko likuiditas melalui analisis The Bank manages liquidity risk through liquidity gap
perbedaan jatuh tempo likuiditas dan rasio-rasio analysis and liquidity ratios. Liquidity risk is measured
likuiditas. Risiko likuiditas diukur dan dipantau secara and monitored on a daily basis based on liquidity risk
harian berdasarkan kerangka kerja limit risiko limit framework. Liquidity gap analysis provides
likuiditas. Analisis kesenjangan likuiditas insight as to the mismatch of expected cash inflows
memberikan pandangan terhadap ketidaksesuaian against cash outflows on any given day. This is
arus kas masuk dengan arus kas keluar pada waktu centrally managed within Treasury which has direct
tertentu. Kondisi ini dikelola secara terpusat oleh and authorised access to interbank, wholesale and
Tresuri yang mempunyai akses dan otorisasi secara other professional markets, to supplement core Bank
langsung ke interbank, wholesale dan professional activities such as deposit taking and lending.
market lainnya, dalam upaya membantu aktivitas
utama bisnis Bank seperti pengumpulan dana dan
pemberian pinjaman.
Langkah yang diambil oleh Bank sehubungan The steps taken by the Bank in connection with the
dengan perbedaan antara aset dan liabilitas maturity gap mismatch between its financial assets
keuangan yang jatuh tempo antara 1 (satu) sampai and liabilities due in 1 (one) to 3 (three) months such
dengan 3 (tiga) bulan, adalah meningkatkan as improving its services to customers, monitor the
pelayanan kepada nasabah simpanan, memantau extension of deposit, search for new customers and
perpanjangan simpanan, mencari nasabah baru offering services including attractive products and
serta menawarkan produk dan bunga yang menarik interest rates in order to maintain stability and
kepada nasabah untuk menjaga stabilitas dan continuity of deposits from customers. In addition, the
kontinuitas jumlah simpanan dari nasabah. Bank also intensify collection efforts from non-
Di samping itu, Bank juga mengintensifkan usaha performing debtors and placing excess funds on
penagihan kepada debitur bermasalah dan marketable securities so they can be withdrawn at any
menempatkan kelebihan dana pada efek-efek yang time as the Bank needs a fund.
memiliki pasar sehingga dapat dicairkan setiap saat
apabila Bank membutuhkan dana.
154
Page 629
The original financial statements included herein are in
Indonesian language.
PT BANK VICTORIA INTERNATIONAL Tbk PT BANK VICTORIA INTERNATIONAL Tbk
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
Tanggal 31 Desember 2024 dan untuk As of December 31, 2024 and
Tahun yang Berakhir pada Tanggal tersebut for the Year Ended
(Disajikan dalam ribuan Rupiah, (Expressed in thousands of Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
44. MANAJEMEN RISIKO (lanjutan) 44. RISK MANAGEMENT (continued)
Risiko likuiditas (lanjutan) Liquidity risk (continued)
Tabel jatuh tempo berikut ini menyajikan informasi The maturity tables below provide information about
mengenai perkiraan jatuh tempo dari liabilitas sesuai maturities on contractual undiscounted cash flows of
arus kas kontraktual yang tidak didiskontokan tanggal liabilities on December 31, 2024 and 2023:
31 Desember 2024 dan 2023:
31 Desember/ December 31, 2024
Tidak
mempunyai
kontrak jatuh
tempo/
Dibayarkan
sesuai
permintaan/
No contractual > 1 bulan- > 3 bulan- Lebih dari 5
maturity/ 3 bulan/ 1 tahun/ tahun/
Jumlah/ Repayable on < 1 bulan/ > 1 month > 3 months > 1 - 5 tahun/ More than 5
Total demand < 1 month 3 months 1 year > 1 - 5 years years
Liabilitas Liabilities
Simpanan nasabah 23.468.794.821 6.108.873.248 8.924.408.989 5.045.857.702 3.349.654.882 40.000.000 - Deposits from customers
Simpanan dari bank lain 688.839.554 259.466.889 383.361.716 28.828.095 8.223.514 8.959.340 - Deposits from other banks
Efek-efek yang diterbitkan 2.911.187.503 - - - 369.250.000 2.541.937.503 - Securities issued
Efek-efek yang dijual Securities sold under
dengan janji dibeli kembali 590.631.264 492.189.611 98.441.653 - - - - repurchase agreements
Liabilitas lain-lain 187.281.519 - 135.947.309 - 11.522.906 39.811.304 - Other liabilities
27.846.734.661 6.860.529.748 9.542.159.667 5.074.685.797 3.738.651.302 2.630.708.147 -
31 Desember/ December 31, 2023
Tidak
mempunyai
kontrak jatuh
tempo/
Dibayarkan
sesuai
permintaan/
No contractual > 1 bulan- > 3 bulan- Lebih dari 5
maturity/ 3 bulan/ 1 tahun/ tahun/
Jumlah/ Repayable on < 1 bulan/ > 1 month > 3 months > 1 - 5 tahun/ More than 5
Total demand < 1 month 3 months 1 year > 1 - 5 years years
Liabilitas Liabilities
Simpanan nasabah 22.688.095.000 5.366.287.229 8.801.219.060 4.427.579.482 3.703.009.229 390.000.000 - Deposits from customers
Simpanan dari bank lain 1.105.227.338 261.365.349 816.024.281 24.768.125 3.069.583 - - Deposits from other banks
Efek-efek yang diterbitkan 1.717.750.004 - - - 52.750.000 1.665.000.004 - Securities issued
Efek-efek yang dijual Securities sold under
dengan janji dibeli kembali 644.675.834 - 644.675.834 - - - - repurchase agreements
Liabilitas lain-lain 160.229.698 - 102.398.239 - 10.521.933 47.309.526 - Other liabilities
26.315.977.874 5.627.652.578 10.364.317.414 4.452.347.607 3.769.350.745 2.102.309.530 -
Tabel berikut ini menyajikan informasi mengenai The tables below provide information about
perkiraan cash outflow dari rekening administratif estimated cash outflow of off-balance sheet as of
pada tanggal 31 Desember 2024 dan 2023: December 31, 2024 and 2023:
31 Desember/ December 31, 2024
Tidak
mempunyai
kontrak jatuh
tempo/
Dibayarkan
sesuai
permintaan/
No contractual Lebih dari 5
maturity/ Kurang dari/ 1–3 3 – 12 1–5 tahun/
Jumlah/ Repayable on Less than bulan/ bulan/ tahun/ More than 5
Total demand 1 bulan/month months months years years
Fasilitas pinjaman yang
belum digunakan 4.661.563.665 - 556.842.142 443.155.032 2.804.239.680 707.264.178 150.062.633 Unused loan facilities
Letter of credit 169.275.405 - 4.522.695 161.189.201 1.040.130 2.523.379 - Letter of credits
Garansi yang diterbitkan 522.142.989 - 99.175.000 189.020 40.364.621 107.548.268 274.866.080 Guarantees issued
Jumlah 5.352.982.059 - 660.539.837 604.533.253 2.845.644.431 817.335.825 424.928.713 Total
155
Page 630
The original financial statements included herein are in
Indonesian language.
PT BANK VICTORIA INTERNATIONAL Tbk PT BANK VICTORIA INTERNATIONAL Tbk
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
Tanggal 31 Desember 2024 dan untuk As of December 31, 2024 and
Tahun yang Berakhir pada Tanggal tersebut for the Year Ended
(Disajikan dalam ribuan Rupiah, (Expressed in thousands of Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
44. MANAJEMEN RISIKO (lanjutan) 44. RISK MANAGEMENT (continued)
Risiko likuiditas (lanjutan) Liquidity risk (continued)
Tabel berikut ini menyajikan informasi mengenai The tables below provide information about
perkiraan cash outflow dari rekening administratif estimated cash outflow of off-balance sheet as of
pada tanggal 31 Desember 2024 dan 2023: (lanjutan) December 31, 2024 and 2023: (continued)
31 Desember/ December 31, 2023
Tidak
mempunyai
kontrak jatuh
tempo/
Dibayarkan
sesuai
permintaan/
No contractual Lebih dari 5
maturity/ Kurang dari/ 1–3 3 – 12 1–5 tahun/
Jumlah/ Repayable on Less than bulan/ bulan/ tahun/ More than 5
Total demand 1 bulan/month months months years years
Fasilitas pinjaman yang
belum digunakan 4.033.693.802 - 644.368.921 339.019.681 3.041.353.700 8.951.500 - Unused loan facilities
Letter of credit 18.705.728 - - - - 18.705.728 - Letter of credits
Garansi yang diterbitkan 347.627.606 - 40.022.563 25.496.815 281.160.828 947.400 - Guarantees issued
Jumlah 4.400.027.136 - 684.391.484 364.516.496 3.322.514.528 28.604.628 - Total
45. NILAI WAJAR INSTRUMEN KEUANGAN 45. FAIR VALUE OF FINANCIAL INSTRUMENTS
Aset dan liabilitas keuangan yang diukur pada nilai The financial assets and liabilities measured at fair
wajar menggunakan hierarki nilai wajar sebagai value use the following fair value hierarchy:
berikut:
i. Tingkat 1: input yang berasal dari harga i. Level 1: inputs that are quoted prices
kuotasian (tanpa penyesuaian) di pasar aktif (unadjusted) in active markets for identical
untuk instrumen yang identik yang dapat diakses instruments that the Bank can access at the
Bank pada tanggal pengukuran. measurement date.
ii. Tingkat 2: input selain harga kuotasian yang ii. Level 2: inputs other than quoted prices included
termasuk dalam level 1 yang dapat diobservasi, within level 1 that are observable either directly or
baik secara langsung atau tidak langsung. indirectly. This category includes instruments
Dalam kategori ini termasuk instrumen yang valued using: quoted market prices in active
dinilai dengan menggunakan: harga kuotasian markets for similar instruments; quoted market
untuk instrumen yang serupa di pasar aktif; prices in active markets for similar instruments;
harga kuotasian untuk instrumen yang identik quoted prices for identical or similar instruments
atau yang serupa di pasar yang tidak aktif; atau in markets that are not active; or other valuation
teknik penilaian lainnya dimana seluruh input techniques in which all significant inputs are
signifikan dapat diobservasi secara langsung directly or indirectly observable from market data.
maupun tidak langsung dari data pasar.
iii. Tingkat 3: input yang tidak dapat diobservasi. iii. Level 3: inputs that are unobservable. This
Dalam kategori ini termasuk semua instrumen category includes all instruments for which the
dimana teknik penilaian menggunakan input valuation technique includes inputs not based on
yang tidak dapat diobservasi dan input yang observable data and the unobservable inputs
tidak dapat diobservasi ini memberikan dampak have a significant effect on the instrument’s
signifikan terhadap penilaian instrumen. valuation. This category includes instruments that
Termasuk dalam kategori ini adalah instrumen are valued based on quoted prices for similar
yang dinilai berdasarkan harga kuotasian untuk instruments for which significant unobservable
instrumen serupa yang memerlukan adjustments or assumptions are required to
penyesuaian atau asumsi signifikan yang tidak reflect differences between the instruments.
dapat diobservasi untuk mencerminkan
perbedaan diantara instrumen tersebut.
156
Page 631
The original financial statements included herein are in
Indonesian language.
PT BANK VICTORIA INTERNATIONAL Tbk PT BANK VICTORIA INTERNATIONAL Tbk
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
Tanggal 31 Desember 2024 dan untuk As of December 31, 2024 and
Tahun yang Berakhir pada Tanggal tersebut for the Year Ended
(Disajikan dalam ribuan Rupiah, (Expressed in thousands of Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
45. NILAI WAJAR INSTRUMEN KEUANGAN 45. FAIR VALUE OF FINANCIAL INSTRUMENTS
(lanjutan) (continued)
Tabel berikut menyajikan instrumen keuangan Bank The following table presents the Bank’s financial
yang diukur sebesar nilai wajar: instruments that are measured at fair value:
31 Desember/ December 31, 2024
Tingkat 1/ Tingkat 2/ Tingkat 3/ Jumlah/
Level 1 Level 2 Level 3 Total
Aset keuangan Financial assets
Efek-efek 1.961.146.285 836.818.168 - 2.797.964.453 Marketable securities
Penyertaan saham - - 0*) 0*) Investment in shares
Jumlah 1.961.146.285 836.818.168 - 2.797.964.453 Total
31 Desember/ December 31, 2023
Tingkat 1/ Tingkat 2/ Tingkat 3/ Jumlah/
Level 1 Level 2 Level 3 Total
Aset keuangan Financial assets
Efek-efek 1.328.291.579 1.097.502.547 - 2.425.794.126 Marketable securities
Penyertaan saham - - 0*) 0*) Investment in shares
Jumlah 1.328.291.579 1.097.502.547 - 2.425.794.126 Total
*) nilai wajar saham PT Bima Multi Finance adalah sebesar Rp1 *) fair value of shares in PT Bima Multi Finance are Rp1 (in full amount)
(dalam nilai penuh)
Tidak terdapat perpindahan antara tingkat 1 dan There is no transfer between level 1 and level 2 of fair
tingkat 2 hierarki nilai wajar. value hierarchy.
Tabel berikut ini menyajikan perubahan pada The following table presents the changes in Bank’s
instrumen keuangan Bank yang diukur dengan financial instruments measured at level 3 - fair value
tingkat 3 - hierarki nilai wajar untuk tahun yang hierarchy for the year ended December 31, 2024 and
berakhir pada 31 Desember 2024 dan 2023. 2023.
31 Desember/December 31, 2024
Kerugian yang
diakui pada
laba rugi/
Saldo awal/ Loss
Beginning Penambahan/ recognised in Jumlah/
balance Additions profit or loss Total
Aset keuangan Financial assets
Penyertaan saham 0*) - - 0*) Investment in shares
31 Desember/December 31, 2023
Kerugian yang
diakui pada
laba rugi/
Saldo awal/ Loss
Beginning Penambahan/ recognised in Jumlah/
balance Additions profit or loss Total
Aset keuangan Financial assets
Penyertaan saham 31.877.279 - (31.877.279) 0*) Investment in shares
*) nilai wajar saham PT Bima Multi Finance adalah sebesar Rp1 *) fair value of shares in PT Bima Multi Finance are Rp1 (in full amount)
(dalam nilai penuh)
157
Page 632
The original financial statements included herein are in
Indonesian language.
PT BANK VICTORIA INTERNATIONAL Tbk PT BANK VICTORIA INTERNATIONAL Tbk
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
Tanggal 31 Desember 2024 dan untuk As of December 31, 2024 and
Tahun yang Berakhir pada Tanggal tersebut for the Year Ended
(Disajikan dalam ribuan Rupiah, (Expressed in thousands of Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
45. NILAI WAJAR INSTRUMEN KEUANGAN 45. FAIR VALUE OF FINANCIAL INSTRUMENTS
(lanjutan) (continued)
Pada tanggal 31 Desember 2023, Bank melakukan As of December 31, 2023, the Bank reassessed the
penilaian kembali atas nilai pasar 100% Ekuitas market value of 100% Equity of PT Bima Multi
PT Bima Multi Finance. Berdasarkan laporan dari Finance. Based on Independent Appraisal report from
penilai Independen KJPP Tri, Santi dan Rekan yang the independent appraiser KJPP Tri, Santi and
ditandatangani oleh Santi Dewiyani, MAPPI (Cert.) Associates signed by Santi Dewiyani, MAPPI (Cert.)
pada tanggal 8 Desember 2023. Nilai wajar dari on December 8, 2023. The fair value of the temporary
penyertaan saham sementara ditentukan share investment was determined using the financial
menggunakan laporan keuangan per 30 September statements as of September 30, 2023 with an asset
2023 dengan pendekatan aset metode Adjusted Book approach using the Adjusted Book Value (ABV)
Value (ABV) dan asumsi tingkat diskon likuiditas method and assumption the discount for lack of
pasar sebesar 30%. marketability of 30%.
Tabel di bawah ini menyajikan perbandingan antara The table below summarises the comparison
nilai tercatat dan nilai wajar dari aset dan liabilitas between the carrying amounts and fair values of all
keuangan yang tidak diukur pada nilai wajar. Nilai financial assets and liabilities except those measured
wajar yang diungkapkan adalah berdasarkan at fair value. The fair values disclosed are based on
informasi relevan yang tersedia pada tanggal relevant information available as of
31 Desember 2024 dan 2023, dan tidak diperbaharui December 31, 2024 and 2023, and are not updated to
untuk mencerminkan perubahan dalam kondisi pasar reflect changes in market conditions which have
yang telah terjadi setelah tanggal ini. occurred after these dates.
31 Desember/December 31, 2024
Nilai tercatat/ Nilai wajar/
Carrying value Fair value
Aset Keuangan Financial Assets
Kas 71.600.262 71.600.262 Cash
Giro pada Bank Indonesia 1.401.052.981 1.401.052.981 Current accounts with Bank Indonesia
Giro pada bank lain 114.473.297 114.473.297 Current accounts with other banks
Penempatan pada Bank Indonesia Placements with Bank Indonesia and
dan bank lain - bersih 12.197.255 12.197.255 other banks - net
Efek-efek - bersih 4.664.758.489 4.532.679.804 Marketable securities - net
Efek-efek yang dibeli dengan Securities purchased under
janji dijual kembali - bersih 197.775.620 193.396.220 resale agreements
Pendapatan bunga Interest
yang masih akan diterima 314.751.488 314.751.488 income receivables
Pinjaman yang diberikan - bersih 20.112.894.444 19.866.083.129 Loans - net
Tagihan akseptasi 17.791.739 17.791.739 Acceptance receivables
Aset lain-lain 21.740.496 21.740.496 Other assets
Jumlah aset keuangan 26.929.036.071 26.545.766.671 Total financial assets
Liabilitas Keuangan Financial Liabilities
Simpanan nasabah 23.332.111.500 23.332.111.500 Deposits from customers
Simpanan dari bank lain 591.017.972 591.017.972 Deposits from other banks
Efek-efek yang diterbitkan 2.289.412.649 2.316.217.340 Securities issued
Efek-efek yang dijual Securities sold under
dengan janji dibeli kembali 587.475.014 587.475.014 repurchase agreement
Utang akseptasi 17.005.026 17.005.026 Acceptance payables
Akrual dan liabilitas lain-lain 187.281.519 187.281.519 Accruals and other liabilities
Jumlah liabilitas keuangan 27.004.303.680 27.031.108.371 Total financial liabilities
158
Page 633
The original financial statements included herein are in
Indonesian language.
PT BANK VICTORIA INTERNATIONAL Tbk PT BANK VICTORIA INTERNATIONAL Tbk
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
Tanggal 31 Desember 2024 dan untuk As of December 31, 2024 and
Tahun yang Berakhir pada Tanggal tersebut for the Year Ended
(Disajikan dalam ribuan Rupiah, (Expressed in thousands of Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
45. NILAI WAJAR INSTRUMEN KEUANGAN 45. FAIR VALUE OF FINANCIAL INSTRUMENTS
(lanjutan) (continued)
31 Desember/December 31, 2023
Nilai tercatat/ Nilai wajar/
Carrying value Fair value
Aset Keuangan Financial Assets
Kas 92.820.864 92.820.864 Cash
Giro pada Bank Indonesia 1.493.076.850 1.493.076.850 Current accounts with Bank Indonesia
Giro pada bank lain 296.297.193 296.297.193 Current accounts with other banks
Penempatan pada Bank Indonesia Placements with Bank Indonesia and
dan bank lain - bersih 915.368.748 915.368.748 other banks - net
Efek-efek - bersih 3.851.497.641 3.856.960.471 Marketable securities - net
Efek-efek yang dibeli dengan Securities purchased under
janji dijual kembali - bersih 636.732.554 633.930.554 resale agreements
Pendapatan bunga Interest
yang masih akan diterima 368.407.923 368.407.923 income receivables
Pinjaman yang diberikan - bersih 18.053.870.975 18.043.073.004 Loans - net
Tagihan akseptasi 12.474.839 12.474.839 Acceptance receivables
Aset lain-lain 23.076.537 23.076.537 Other assets
Jumlah aset keuangan 25.743.624.124 25.735.486.983 Total financial assets
Liabilitas Keuangan Financial Liabilities
Simpanan nasabah 22.429.180.492 22.429.180.492 Deposits from customers
Simpanan dari bank lain 1.104.803.359 1.104.803.359 Deposits from other banks
Efek-efek yang diterbitkan 1.347.639.528 1.382.811.890 Securities issued
Efek-efek yang dijual Securities sold under
dengan janji dibeli kembali 643.266.730 643.266.730 repurchase agreement
Utang akseptasi 11.959.811 11.959.811 Acceptance payables
Akrual dan liabilitas lain-lain 160.229.698 160.229.698 Accruals and other liabilities
Jumlah liabilitas keuangan 25.697.079.618 25.732.251.980 Total financial liabilities
Metode dan asumsi yang digunakan untuk estimasi The methods and assumptions used to estimate fair
nilai wajar adalah sebagai berikut: value are as follows:
a. Efek-efek a. Marketable securities
Nilai wajar untuk efek-efek yang diukur pada The fair value for securities measured at
biaya perolehan diamortisasi ditetapkan amortised cost is based on market prices or
berdasarkan harga pasar atau harga kuotasi broker/dealer price quotations (level 1 - fair value
perantara (broker)/pedagang efek (dealer) hierarchy). Where this information is not
(tingkat 1 - hierarki nilai wajar). Jika informasi ini available, fair value is estimated using quoted
tidak tersedia, nilai wajar diestimasi dengan market prices for securities with similar credit,
menggunakan harga pasar kuotasi efek yang maturity and yield characteristics (level 2 - fair
memiliki karakteristik kredit, jatuh tempo dan value hierarchy).
yield yang serupa (tingkat 2 - hierarki nilai wajar).
b. Pinjaman yang diberikan b. Loans
Pinjaman yang diberikan dinyatakan Loans are recorded at carrying amount net of
berdasarkan jumlah nilai tercatat setelah charges for impairment. The estimated fair value
dikurangi oleh beban penurunan nilai. Estimasi of loans represents the discounted amount of
nilai wajar dari pinjaman yang diberikan estimated future cash flows expected to be
mencerminkan jumlah diskonto dari estimasi kini received. Estimated cash flows are discounted at
dari arus kas masa depan yang diharapkan akan current market rates to determine fair value (level
diterima. Arus kas yang diharapkan 3 - fair value hierarchy).
didiskontokan pada tingkat suku bunga pasar
terkini untuk menentukan nilai wajar (tingkat 3 -
hierarki nilai wajar).
159
Page 634
The original financial statements included herein are in
Indonesian language.
PT BANK VICTORIA INTERNATIONAL Tbk PT BANK VICTORIA INTERNATIONAL Tbk
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
Tanggal 31 Desember 2024 dan untuk As of December 31, 2024 and
Tahun yang Berakhir pada Tanggal tersebut for the Year Ended
(Disajikan dalam ribuan Rupiah, (Expressed in thousands of Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
45. NILAI WAJAR INSTRUMEN KEUANGAN 45. FAIR VALUE OF FINANCIAL INSTRUMENTS
(lanjutan) (continued)
Metode dan asumsi yang digunakan untuk estimasi The methods and assumptions used to estimate fair
nilai wajar adalah sebagai berikut: (lanjutan) value are as follows: (continued)
c. Efek-efek yang diterbitkan c. Securities issued
Nilai wajar untuk efek-efek yang diukur pada The fair value for securities issued measured at
biaya perolehan diamortisasi ditetapkan amortised cost based on market prices or
berdasarkan harga pasar atau harga kuotasi broker/dealer price quotations (level 1 - fair value
perantara (broker)/pedagang efek (dealer) hierarchy). The aggregate fair values are
(tingkat 1 - hierarki nilai wajar). Nilai wajar calculated based on quoted market prices. For
agregat dihitung berdasarkan harga pasar those notes where quoted market prices are not
kuotasi. Jika informasi ini tidak tersedia, model available, a discounted cash flow model is used
diskonto arus kas digunakan berdasarkan kurva based on a current yield curve appropriate for the
yield terkini yang sesuai dengan sisa periode remaining term to maturity (level 2 - fair value
jatuh temponya (tingkat 2 - hierarki nilai wajar). hierarchy).
d. Sebagian besar dari instrumen keuangan yang d. Majority of the financial instrument not measured
tidak diukur pada nilai wajar, diukur pada biaya at fair value are measured at amortised cost. The
perolehan diamortisasi. Berikut daftar instrumen following are financial instruments for which their
keuangan yang nilai tercatatnya mendekati nilai carrying amount are reasonable approximation of
wajarnya, contohnya, instrumen keuangan fair value because, for example, they are short
jangka pendek atau yang ditinjau ulang term in nature or re-price to current market rates
menggunakan harga pasar secara berkala. frequently.
Aset Keuangan: Financial Assets:
- Kas - Cash
- Giro pada Bank Indonesia - Current accounts with Bank Indonesia
- Giro pada bank lain - Current accounts with other banks
- Penempatan pada Bank Indonesia dan - Placement with Bank Indonesia and other
bank lain banks
- Efek-efek - Marketable securities
- Efek-efek yang dibeli dengan janji dijual - Securities purchased under resale
Kembali agreements
- Pinjaman yang diberikan - Loans
- Pendapatan bunga yang masih akan - Interest income receivables
diterima
- Tagihan akseptasi - Acceptance receivables
- Aset lain-lain - Other assets
Liabilitas Keuangan: Financial Liabilities:
- Simpanan nasabah - Deposits from customers
- Simpanan dari bank lain - Deposits from other banks
- Efek-efek yang diterbitkan - Securities issued
- Efek-efek yang dijual dengan janji dibeli - Securities sold under repurchase
kembali agreements
- Utang akseptasi - Acceptance payable
- Akrual dan liabilitas lain-lain - Accrued and other liabilities
160
Page 635
The original financial statements included herein are in
Indonesian language.
PT BANK VICTORIA INTERNATIONAL Tbk PT BANK VICTORIA INTERNATIONAL Tbk
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
Tanggal 31 Desember 2024 dan untuk As of December 31, 2024 and
Tahun yang Berakhir pada Tanggal tersebut for the Year Ended
(Disajikan dalam ribuan Rupiah, (Expressed in thousands of Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
46. MANAJEMEN MODAL 46. CAPITAL MANAGEMENT
Tujuan utama dari kebijakan Bank atas kebijakan The primary objectives of the Bank's capital
pengelolaan modal adalah untuk memastikan bahwa management policy are to ensure that the Bank has a
Bank memiliki modal yang kuat untuk mendukung strong capital to support the Bank's business
strategi pengembangan ekspansi usaha Bank saat ini expansion strategy currently to sustain future
dan mempertahankan kelangsungan pengembangan development of the business, to meet regulator
di masa mendatang, dan untuk memenuhi ketentuan capital adequacy requirements and also to ensure the
kecukupan permodalan yang ditetapkan oleh efficiency of Bank's capital structure.
regulator serta memastikan agar struktur permodalan
Bank telah efisien.
Bank menyusun Rencana Permodalan berdasarkan The Bank undertakes Capital Planning based on
penilaian dari penelaahan atas kebutuhan kecukupan assessment and review of the capital situation in
permodalan yang dipersyaratkan dan terms of the legal capital adequacy requirement,
mengkombinasikannya dengan tinjauan combined with assessment of economic outlooks.
perkembangan ekonomi terkini. Bank senantiasa The Bank will continue to link financial and capital
akan menghubungkan tujuan keuangan dan adequacy goals to risk appetite through the capital
kecukupan modal terhadap risiko melalui proses planning process as well as assess the businesses
perencanaan modal, begitu pula dengan bisnis yang based on the Bank's capital and liquidity
didasarkan pada permodalan dan persyaratan requirements.
likuiditas Bank.
Kebutuhan permodalan Bank juga direncanakan dan The capital needs of the Bank are also discussed and
didiskusikan secara rutin yang didukung dengan data planned on a routine basis as supported by data
analisis. analysis.
Rencana Permodalan disusun oleh Direksi sebagai Capital Planning is prepared by Directors as part of
bagian dari Rencana Bisnis Bank dan disetujui oleh the Bank's Business Plan and is approved by the
Dewan Komisaris. Perencanaan ini diharapkan akan Board of Commissioners. Capital Planning ensures
memastikan tersedianya modal yang cukup dan that adequate levels of capital and an optimum mix of
terciptanya struktur permodalan yang optimal untuk the different components of capital are maintained to
mendukung strategi Bank. support the Bank's strategy.
Bank telah melakukan perhitungan kecukupan modal The Bank calculated its capital adequacy
berdasarkan ketentuan Bank Indonesia yang berlaku, requirements using the prevailing Bank Indonesia
dimana modal yang dimiliki diklasifikasikan dalam 2 regulation, where the regulatory capital is classified
Tier yaitu Modal Tier I dan Modal Tier II. into 2 Tiers, mainly Tier I Capital and Tier II Capital.
Bank mematuhi semua persyaratan modal yang The Bank has complied with all externally imposed
ditetapkan oleh pihak eksternal sepanjang periode capital requirements throughout the reporting period,
pelaporan, khususnya berkenaan dengan particularly regarding Capital Adequacy Ratio (CAR)
perhitungan Kewajiban Penyediaan Modal Minimum and calculation of Risk Weighted Assets (RWA).
(KPMM) dan Aktiva Tertimbang Menurut Risiko
(ATMR).
161
Page 636
The original financial statements included herein are in
Indonesian language.
PT BANK VICTORIA INTERNATIONAL Tbk PT BANK VICTORIA INTERNATIONAL Tbk
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
Tanggal 31 Desember 2024 dan untuk As of December 31, 2024 and
Tahun yang Berakhir pada Tanggal tersebut for the Year Ended
(Disajikan dalam ribuan Rupiah, (Expressed in thousands of Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
47. INFORMASI TAMBAHAN 47. ADDITIONAL INFORMATION
Informasi tambahan berikut merupakan informasi The following additional information is information that
yang tidak dipersyaratkan untuk diungkapkan oleh is not required to be disclosed by Indonesian
Standar Akuntansi Keuangan di Indonesia. Informasi Financial Accounting Standards. Such additional
tersebut disusun sesuai dengan regulasi Otoritas information was prepared in accordance with
Jasa Keuangan. regulations of Financial Services Authority.
Giro wajib minimum Minimum statutory requirements
Saldo giro pada Bank Indonesia adalah untuk Current accounts with Bank Indonesia are provided to
memenuhi persyaratan Giro Wajib Minimum (GWM) fulfill Bank Indonesia’s requirements on Minimum
dari Bank Indonesia. Reserve Requirements (GWM).
Berdasarkan Peraturan Bank Indonesia (PBI) In accordance with Bank Indonesia Regulation (PBI)
No. 20/3/PBI/2018 tanggal 29 Maret 2018 No. 20/3/PBI/2018 dated March 29, 2018 as
sebagaimana telah beberapa kali diubah, terakhir amended several times, most recently with PBI
dengan PBI No. 24/4/PBI/2022 tanggal 1 Maret 2022 No. 24/4/PBI/2022 dated March 1, 2022 concerning
tentang Perubahan Keempat atas Peraturan Bank the Fourth Amendment to Bank Indonesia Regulation
Indonesia No. 20/3/PBI/2018 tentang Giro Wajib No. 20/3/PBI/2018 concerning Statutory Reserves in
Minimum dalam Rupiah dan Valuta Asing bagi Bank Rupiah and Foreign Currency for Conventional
Umum Konvensional, Bank Umum Syariah, dan Unit Commercial Banks, Sharia Commercial Banks and
Usaha Syariah; Peraturan Anggota Dewan Gubernur Sharia Business Units; and Regulation of Members of
(PADG) No. 20/10/PADG/2018 tanggal the Board of Governors (PADG)
31 Mei 2018, sebagaimana telah diubah beberapa No. 20/10/PADG/2018 dated May 31, 2018, as
kali, terakhir dengan PADG No. 24/3/PADG/2022 amended several times, most recently with PADG
tanggal 1 Maret 2022 tentang Perubahan Kedelapan No. 24/3/PADG/2022 dated March 1, 2022
atas Peraturan Anggota Gubernur concerning the Eighth Amendment to the Regulation
No. 20/10/PADG/2018 tentang Giro Wajib Minimum of Members of the Governor No. 20/10/PADG/2018
dalam Rupiah dan Valuta Asing bagi Bank Umum concerning Statutory Reserves in Rupiah and Foreign
Konvensional, Bank Umum Syariah, dan Unit Usaha Exchange for Conventional Commercial Banks,
Syariah; dan Peraturan Anggota Dewan Gubernur Sharia Commercial Banks and Sharia Business
(PADG) No. 24/8/PADG/2022 tanggal 1 Juli 2022, Units, Regulation of Members of the Board of
sebagaimana telah diubah beberapa kali, terakhir Governors (PADG) No. 24/8/PADG/2022 dated
dengan PADG No. 12 Tahun 2023 tanggal July 1, 2022, as amended several times, most
1 Oktober 2023 tentang Perubahan Kedua atas recently with PADG No. 12 year 2023 dated October
Peraturan Anggota Dewan Gubernur Nomor 1, 2023 concerning the Second Amendment to the
24/8/PADG/2022 tentang Peraturan Pelaksanaan Regulation of Members of the Board of Governors
Pemenuhan Giro Wajib Minimum Dalam Rupiah dan PADG No. 24/8/PADG/2022 concerning the
Valuta Asing Bagi Bank Umum Konvensional, Bank Implementation Regulations for Fulfillment of
Umum Syariah, dan Unit Usaha Syariah. Bank wajib Statutory Reserves in Rupiah and Foreign Exchange
memenuhi rasio Giro Wajib Minimum (GWM) seperti for Conventional Commercial Banks, Sharia
yang disyaratkan Bank Indonesia dalam Rupiah dan Commercial Banks, and Sharia Business Units.
valuta asing secara harian dan rata-rata dari rata-rata Banks are required to meet the Statutory Reserves
Dana Pihak Ketiga (DPK) dalam Rupiah dan valuta (GWM) ratio as required by Bank Indonesia in Rupiah
asing selama periode laporan tertentu. and foreign currencies on a daily basis and the
average of the average Third Party Funds (TPF) in
Rupiah and foreign currencies during a specific
reporting period.
162
Page 637
The original financial statements included herein are in
Indonesian language.
PT BANK VICTORIA INTERNATIONAL Tbk PT BANK VICTORIA INTERNATIONAL Tbk
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
Tanggal 31 Desember 2024 dan untuk As of December 31, 2024 and
Tahun yang Berakhir pada Tanggal tersebut for the Year Ended
(Disajikan dalam ribuan Rupiah, (Expressed in thousands of Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
47. INFORMASI TAMBAHAN (lanjutan) 47. ADDITIONAL INFORMATION (continued)
Giro wajib minimum (lanjutan) Minimum statutory requirements (continued)
Pada tanggal 31 Desember 2024 dan 2023, rasio As of December 31, 2024 and 2023, the average
GWM rata-rata dalam Rupiah yang wajib dipenuhi GWM ratio in Rupiah that must be fulfilled is at 9%,
adalah sebesar 9%, dan rasio GWM rata-rata dalam and the average GWM ratio in foreign currencies
valuta asing yang wajib dipenuhi sebesar 4%. that must be fulfilled is at 4%.
Bank memperoleh Insentif Kebijakan Likuiditas Bank received a Macroprudential Liquidity Policy
Makroprudensial (KLM) sebesar 2,8% berlaku dari Incentive of 2.8% valid from December 1, 2024 until
1 Desember 2024 sampai dengan 31 Desember 2024 December 31, 2024 therefore GWM ratio in Rupiah
sehingga GWM rata-rata dalam Rupiah yang wajib that must be fulfilled by the Bank is at 6.2%.
dipenuhi oleh Bank adalah 6,2%.
Disamping itu, berdasarkan PBI No. 20/4/PBI/2018 Furthermore, based on PBI No. 20/4/PBI/2018
tanggal 29 Maret 2018 sebagaimana telah beberapa dated March 29, 2018 as amended several times,
kali diubah, terakhir dengan PBI No.24/16/PBI/2022 most recently with PBI No.24/16/PBI/2022 dated
tanggal 1 November 2022 tentang Perubahan November 1, 2022 concerning the Fourth
Keempat atas Peraturan Bank Indonesia Amendment to Bank Indonesia Regulation
No. 20/4/PBI/2018 tentang Rasio Intermediasi No. 20/4/PBI/2018 concerning Ratio
Makroprudensial dan Penyangga Likuiditas Macroprudential Intermediation and
Makroprudential bagi Bank Umum Konvensional, Macroprudential Liquidity Support for Conventional
Bank Umum Syariah, dan Unit Usaha Syariah dan Commercial Banks, Sharia Commercial Banks, and
PADG No.21/22/PADG/2019 tanggal 28 November Sharia Business Units; and PADG
2019 sebagaimana telah mengalami beberapa No.21/22/PADG/2019 dated November 28, 2019 as
kali perubahan, terakhir dengan PADG No. 18 Tahun amended several times, most recently with PADG
2023 tanggal 29 November 2023 tentang Perubahan No. 18 year 2023 dated November 29, 2023
Ketujuh atas Peraturan Anggota Dewan Gubernur concerning the Seventh Amendment to the
No. 21/22/PADG/2019 tentang Rasio Intermediasi Regulation of Members of the Board of Governors
Makroprudential dan Penyangga Likuiditas No. 21/22/PADG/2019 concerning Macroprudential
Makroprudential bagi Bank Umum Konvensional, Intermediation Ratio and Macroprudential Liquidity
Bank Umum Syariah, dan Unit Usaha Syariah, Bank Buffer for Conventional Commercial Banks, Sharia
wajib memenuhi Rasio Intermediasi Makroprudential Commercial Banks, and Sharia Business Units,
(RIM) dan Penyangga Likuiditas Makroprudential Banks must meet the Macroprudential
(PLM) dari rata-rata DPK dalam Rupiah selama Intermediation Ratio (RIM) and Macroprudential
periode laporan tertentu. Liquidity Buffer (PLM) of the average TPF in Rupiah
during specific reporting periods.
Pada tanggal 31 Desember 2024 dan 2023, rasio As of December 31, 2024 and 2023, the minimum of
PLM yang wajib dipenuhi minimal masing-masing PLM ratio that must be fulfilled is set at 5% and 6%,
sebesar 5% dan 6%. respectively.
Giro RIM adalah tambahan simpanan minimum yang RIM demand deposits is the additional reserve that
wajib dipelihara oleh Bank dalam bentuk saldo should be maintained by the Bank in the form of
rekening giro pada Bank Indonesia. Parameter yang current accounts with Bank Indonesia. The
digunakan dalam pemenuhan giro RIM adalah parameters used in the fulfillment of MIR are as
sebagai berikut: follow:
1. Batas bawah target RIM sebesar 84% 1. Minimum target of RIM is 84%
2. Batas atas target RIM sebesar 94% 2. Maximum target of RIM is 94%
3. KPMM Insentif sebesar 14% 3. Incentive of CAR is 14%
Bank memiliki RIM diatas batas bawah target RIM, Bank have RIM above the lower RIM target limit,
NPL kurang dari 5 (Catatan 11), dan KPMM diatas NPL of less than 5 (Note 11), and have CAR above
19% sehingga Bank wajib memelihara Giro RIM 19% therefore the Bank is required to maintain RIM
menggunakan parameter disinsentif yang berlaku. demand deposits using the applicable disincentive
Pada tanggal 31 Desember 2024 dan 2023, Giro RIM parameters. As of December 31, 2024 and 2023, the
yang dimiliki Bank telah memenuhi ketentuan Bank RIM Current Account owned by the Bank has
Indonesia. complied with the applicable Bank Indonesia
regulations.
163
Page 638
The original financial statements included herein are in
Indonesian language.
PT BANK VICTORIA INTERNATIONAL Tbk PT BANK VICTORIA INTERNATIONAL Tbk
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
Tanggal 31 Desember 2024 dan untuk As of December 31, 2024 and
Tahun yang Berakhir pada Tanggal tersebut for the Year Ended
(Disajikan dalam ribuan Rupiah, (Expressed in thousands of Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
47. INFORMASI TAMBAHAN (lanjutan) 47. ADDITIONAL INFORMATION (continued)
Giro wajib minimum (lanjutan) Minimum statutory requirements (continued)
Bank telah memenuhi peraturan Bank Indonesia The Bank has fulfilled the prevailing Bank
yang berlaku tentang Giro Wajib Minimum bank Indonesia’s regulation regarding Minimum Reserve
umum konvensional pada tanggal 31 Desember Requirements for conventional banks as of
2024 dan 2023. December 31, 2024 and 2023.
Rasio GWM Bank pada tanggal 31 Desember 2024 As of December 31, 2024 and 2023, the GWM ratios
dan 2023 adalah sebagai berikut: of the Bank are as follows:
31 Desember/December 31,
2024 2023
Rupiah Rupiah
Giro Wajib Minimum*) 6,67% 7,32% Minimum Statutory Reserve*)
Penyangga Likuiditas
Makroprudensial**) 21,78% 23,73% Macroprudential Liquidity Buffer**)
GWM Rasio Intermediasi GWM Macroprudential
Makroprudensial***) 4,76% (1,01%) Intermediation Ratio***)
Valuta Asing 4,05% 4,05% Foreign Currencies
*) Sebelumnya Giro Wajib Minimum Primer Previously Primary Minimum Statutory Reserve *)
**) Sebelumnya Giro Wajib Minimum Sekunder Previously Secondary Minimum Statutory Reserve **)
***) Sebelumnya Giro Wajib Minimum LFR Previously Loan to Funding Ratio Minimum Statutory Reserve ***)
Kewajiban Penyediaan Modal Minimum Minimum Capital Requirement
Pada tanggal 31 Desember 2024 dan On December 31, 2024 and 2023, the Bank's
2023, rasio Kewajiban Penyediaan Modal Minimum Minimum Capital Requirement (“KPMM”) ratio
(“KPMM”) Bank dihitung berdasarkan Peraturan is calculated based on Financial Services
Otoritas Jasa Keuangan No. 11/POJK.03/2016 Authority Regulation No. 11/POJK.03/2016 as last
sebagaimana terakhir dirubah melalui amended by No. 27/POJK.03/2022 concerning the
No. 27/POJK.03/2022 tentang Kewajiban Minimum Capital Requirement for Commercial
Penyediaan Modal Minimum Bank Umum dengan Banks. The Bank’s capital adequacy ratio with
memperhitungkan risiko kredit, risiko operasional consideration for credit, operational and market
dan risiko pasar. Rasio KPMM tersebut adalah risks. The KPMM ratio is as follows:
sebagai berikut:
31 Desember/December 31,
2024 2023
Modal inti (Tier I) 3.584.008.030 3.287.238.228 Core Capital (Tier I)
Modal pelengkap (Tier II) 833.932.677 532.853.302 Supplementary Capital (Tier II)
Jumlah Modal 4.417.940.707 3.820.091.530 Total Capital
Aset Tertimbang Menurut Risiko Risk Weighted Assets for
untuk Risiko Kredit 18.182.056.435 16.999.048.864 Credit Risk
Aset Tertimbang Menurut Risiko Risk Weighted Assets for
untuk Risiko Operasional 1.555.657.932 1.466.732.341 Operational Risk
Aset Tertimbang Menurut Risiko Risk Weighted Assets for
untuk Risiko Pasar 785.592.132 685.118.902 Market Risk
Rasio Kewajiban Penyediaan Capital Adequacy Ratio
Modal Minimum untuk risiko (CAR) with credit and
kredit dan risiko operasional 22,38% 20,69% operational risks
Rasio Kewajiban Penyediaan Capital Adequacy Ratio
Modal Minimum untuk risiko kredit, (CAR) with credit, operational
risiko operasional dan risiko pasar 21,53% 19,95% and market risks
Rasio Kewajiban Penyediaan Minimum Capital Adequacy
Modal Minimum yang diwajibkan 9,00% 8,00% Ratio required
164
Page 639
The original financial statements included herein are in
Indonesian language.
PT BANK VICTORIA INTERNATIONAL Tbk PT BANK VICTORIA INTERNATIONAL Tbk
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
Tanggal 31 Desember 2024 dan untuk As of December 31, 2024 and
Tahun yang Berakhir pada Tanggal tersebut for the Year Ended
(Disajikan dalam ribuan Rupiah, (Expressed in thousands of Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
47. INFORMASI TAMBAHAN (lanjutan) 47. ADDITIONAL INFORMATION (continued)
Aset berdasarkan kolektibilitas Assets by collectibility
Kolektibilitas aset sesuai dengan Peraturan Otoritas Assets collectibility in accordance with Regulation of
Jasa Keuangan (“POJK”) No. 40/POJK.03/2019 the Financial Services Authority (“POJK”)
tanggal 1 Januari 2020 tentang Penilaian Kualitas No. 40/POJK.03/2019 dated January 1, 2020
Aset Bank Umum adalah sebagai berikut: regarding “Asset Quality Ratings for Conventional
Bank” are as follows:
31 Desember/December 31, 2024
Dalam perhatian
khusus/ Kurang lancar/ Diragukan/
Lancar/Current Special mention Substandard Doubtful Macet/Loss Jumlah/Total
Giro dan penempatan Current accounts and
pada Bank Indonesia 1.413.252.981 - - - - 1.413.252.981 placements with Bank Indonesia
Giro pada bank lain 114.518.280 - - - - 114.518.280 Current accounts with other banks
Efek-efek 7.463.989.140 - - - - 7.463.989.140 Marketable securities
Efek-efek yang dibeli dengan Securities purchased
janji dijual kembali 197.775.620 - - - - 197.775.620 under resale agreements
Pinjaman yang diberikan 19.197.768.646 688.873.837 62.185.617 5.102.838 605.929.383 20.559.860.321 Loans
Penyertaan saham 219.933.809 - - - - 219.933.809 Investment in shares
Akseptasi 17.791.739 - - - - 17.791.739 Acceptance
Tagihan derivatif 795.408 - - - - 795.408 Derivative receivables
Agunan yang diambil alih - 450.876.841 93.238.445 - - 544.115.286 Foreclosed assets
Aset lain-lain*) 1.714.304 - 30.924.960 223.984 1.106.292 33.969.540 Other assets*)
Jumlah 28.627.539.927 1.139.750.678 186.349.022 5.326.822 607.035.675 30.566.002.124 Total
Penyisihan kerugian (147.415.316) (220.163.159) (79.950.907) (1.387.349) (164.494.165) (613.410.896) Allowance for impairment losses
Jumlah - bersih 28.480.124.611 919.587.519 106.398.115 3.939.473 442.541.510 29.952.591.228 Total - net
31 Desember/December 31, 2023
Dalam perhatian
khusus/ Kurang lancar/ Diragukan/
Lancar/Current Special mention Substandard Doubtful Macet/Loss Jumlah/Total
Giro dan penempatan Current accounts and
pada Bank Indonesia 2.409.444.380 - - - - 2.409.444.380 placements with Bank Indonesia
Giro pada bank lain 296.298.919 - - - - 296.298.919 Current accounts with other banks
Efek-efek 6.285.563.736 - - - - 6.285.563.736 Marketable securities
Efek-efek yang dibeli dengan Securities purchased
janji dijual kembali 636.732.554 - - - - 636.732.554 under resale agreements
Pinjaman yang diberikan 16.853.533.089 1.031.746.709 92.773.486 17.419.566 633.270.327 18.628.743.177 Loans
Penyertaan saham 215.930.505 - - - - 215.930.505 Investment in shares
Akseptasi 12.474.839 - - - - 12.474.839 Acceptance
Tagihan derivatif 202.833 - - - - 202.833 Derivative receivables
Agunan yang diambil alih - 744.615.050 57.871.632 - - 802.486.682 Foreclosed assets
Aset lain-lain*) 17.836.486 - 17.888.691 223.984 1.340.800 37.289.961 Other assets*)
Jumlah 26.728.017.341 1.776.361.759 168.533.809 17.643.550 634.611.127 29.325.167.586 Total
Penyisihan kerugian (197.960.074) (455.708.924 ) (87.152.385) (4.528.633 ) (90.665.152) (836.015.168 ) Allowance for impairment losses
Jumlah - bersih 26.530.057.267 1.320.652.835 81.381.424 13.114.917 543.945.975 28.489.152.418 Total - net
*) Aset lain-lain terdiri atas properti terbengkalai dan suspense account. *) Other assets consist of abandoned property and suspense account.
Rekening administratif berdasarkan Administrative account by collectibility
kolektibilitas
Kolektibilitas rekening administratif sesuai dengan Administrative account collectibility in accordance
Peraturan Otoritas Jasa Keuangan (“POJK”) with Regulation of the Financial Services Authority
No. 40/POJK.03/2019 tanggal 1 Januari 2020 (“POJK”) No. 40/POJK.03/2019 dated January 1,
tentang Penilaian Kualitas Aset Bank Umum adalah 2020 regarding “Asset Quality Ratings for
sebagai berikut: Conventional Bank” are as follows:
31 Desember/December 31, 2024
DPK/ Kurang lancar/ Diragukan/
Lancar/Current Special mention Substandard Doubtful Macet/Loss Jumlah/Total
Bank garansi 522.142.989 - - - - 522.142.989 Bank guarantee
Letter of credit 169.275.405 - - - - 169.275.405 Letter of credit
Dikurangi: Penyisihan kerugian (1.270.842) - - - - (1.270.842 ) Less: Allowance for impairment losses
Jumlah - bersih 690.147.552 - - - - 690.147.552 Total - net
31 Desember/December 31, 2023
DPK/ Kurang lancar/ Diragukan/
Lancar/Current Special mention Substandard Doubtful Macet/Loss Jumlah/Total
Bank garansi 982.802.950 - - - - 982.802.950 Bank guarantee
Letter of credit 60.563.964 - - - - 60.563.964 Letter of credit
Dikurangi: Penyisihan kerugian (547.808) - - - - (547.808 ) Less: Allowance for impairment losses
Jumlah - bersih 1.042.819.106 - - - - 1.042.819.106 Total - net
165
Page 640
The original financial statements included herein are in
Indonesian language.
PT BANK VICTORIA INTERNATIONAL Tbk PT BANK VICTORIA INTERNATIONAL Tbk
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
Tanggal 31 Desember 2024 dan untuk As of December 31, 2024 and
Tahun yang Berakhir pada Tanggal tersebut for the Year Ended
(Disajikan dalam ribuan Rupiah, (Expressed in thousands of Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
47. INFORMASI TAMBAHAN (lanjutan) 47. ADDITIONAL INFORMATION (continued)
Berdasarkan pihak dan sektor ekonomi By counterparties and economic sector
31 Desember/December 31,
2024 2023
Pihak Berelasi Related Parties
Industri 78.612.786 91.679.382 Industry
Perdagangan, restoran dan hotel 23.722.610 20.052.215 Trading, restaurant, and hotel
Lembaga pembiayaan 940.667 28.697.953 Financing
Jasa-jasa sosial/masyarakat - 12.568 Social community service
Lain-lain 20.191.048 3.454.323 Others
Sub jumlah 123.467.111 143.896.441 Sub total
Pihak Ketiga Third Parties
Lembaga pembiayaan 5.576.744.319 5.534.314.148 Financing
Perdagangan, restoran, dan hotel 4.068.926.696 3.554.187.395 Trading, restaurant, and hotel
Industri 2.936.443.715 2.094.677.859 Industry
Real estate 2.476.932.930 2.533.798.811 Real estate
Konstruksi 1.100.319.988 737.806.956 Construction
Jasa-jasa sosial/masyarakat 417.106.763 349.338.531 Social community service
Lain-lain 3.859.918.799 3.680.723.036 Others
Sub jumlah 20.436.393.210 18.484.846.736 Sub total
Jumlah 20.559.860.321 18.628.743.177 Total
Dikurangi: Cadangan kerugian Less: Allowance for
penurunan nilai (446.965.878) (574.872.202) impairment losses
Jumlah - bersih 20.112.894.443 18.053.870.975 Total - net
Pada tanggal 31 Desember 2024 dan 2023, rasio As of December 31, 2024 and 2023, the ratio of
pinjaman kepada Usaha Mikro kecil terhadap Micro Business loans to the total loans in
pinjaman yang diberikan sesuai dengan Surat accordance with Bank Indonesia Circular Letter
Edaran Bank Indonesia No.13/30/DPNP tanggal No.13/30/DPNP dated December 16, 2011, was
16 Desember 2011 masing-masing sebesar 15,43% 15.43% and 16.39%, respectively (unaudited).
dan 16,39% (tidak diaudit).
Pinjaman yang direstrukturisasi Restructured loans
31 Desember/December 31,
2024 2023
Penjadwalan kembali Rescheduling of installments
angsuran dan perpanjangan and the extention
jangka waktu pinjaman 2.206.449.707 2.868.304.020 of credit period
Dikurangi: Cadangan kerugian Less: Allowance for
penurunan nilai (342.681.080) (447.527.201) impairment losses
Jumlah - bersih 1.863.768.627 2.420.776.819 Total - net
166
Page 641
The original financial statements included herein are in
Indonesian language.
PT BANK VICTORIA INTERNATIONAL Tbk PT BANK VICTORIA INTERNATIONAL Tbk
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
Tanggal 31 Desember 2024 dan untuk As of December 31, 2024 and
Tahun yang Berakhir pada Tanggal tersebut for the Year Ended
(Disajikan dalam ribuan Rupiah, (Expressed in thousands of Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
47. INFORMASI TAMBAHAN (lanjutan) 47. ADDITIONAL INFORMATION (continued)
Pinjaman yang direstrukturisasi (lanjutan) Restructured loans (continued)
Berikut adalah jumlah pinjaman yang Below are the balance of restructured loans based
direstrukturisasi berdasarkan kolektibilitas pada on collectability as of December 31, 2024 and
tanggal 31 Desember 2024 dan 2023: 2023:
31 Desember/December 31,
2024 2023
Lancar 1.026.325.805 1.276.007.551 Current
Dalam Perhatian Khusus 594.208.247 930.550.887 Special Mention
Kurang Lancar 57.185.617 33.788.024 Substandard
Diragukan 500.604 13.919.566 Doubtful
Macet 528.229.434 614.037.992 Loss
Jumlah pinjaman yang
direstrukturisasi 2.206.449.707 2.868.304.020 Total restructured loans
Dikurangi: Cadangan kerugian Less: Allowance for
penurunan nilai (342.681.080) (447.527.201) impairment losses
Jumlah - bersih 1.863.768.627 2.420.776.819 Total - net
Berikut adalah jumlah pinjaman yang Below are the balance of restructured loans based
direstrukturisasi berdasarkan jenis pinjaman pada on type as of December 31, 2024 and 2023:
tanggal 31 Desember 2024 dan 2023:
31 Desember/December 31,
2024 2023
Pinjaman tetap 1.271.995.717 1.820.536.969 Fixed loans
Pinjaman tetap dengan angsuran 780.017.869 849.748.361 Fixed loans with installments
Pinjaman rekening koran 118.862.862 146.129.251 Overdraft loans
Pinjaman konsumen 22.005.152 32.995.695 Consumer loans
Pinjaman serba guna 13.568.107 18.893.744 Multi purpose loans
Jumlah pinjaman yang
direstrukturisasi 2.206.449.707 2.868.304.020 Total restructured loans
Dikurangi: Cadangan kerugian Less: Allowance for
penurunan nilai (342.681.080) (447.527.201) impairment losses
Jumlah - bersih 1.863.768.627 2.420.776.819 Total - net
167
Page 642
The original financial statements included herein are in
Indonesian language.
PT BANK VICTORIA INTERNATIONAL Tbk PT BANK VICTORIA INTERNATIONAL Tbk
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
Tanggal 31 Desember 2024 dan untuk As of December 31, 2024 and
Tahun yang Berakhir pada Tanggal tersebut for the Year Ended
(Disajikan dalam ribuan Rupiah, (Expressed in thousands of Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
47. INFORMASI TAMBAHAN (lanjutan) 47. ADDITIONAL INFORMATION (continued)
Pinjaman yang direstrukturisasi (lanjutan) Restructured loans (continued)
Sehubungan dengan restrukturisasi dan relaksasi In relation to loan restructuring and relaxation due
kredit sebagai dampak dari to COVID-19 impact, the regulator issued POJK
COVID-19, regulator mengeluarkan POJK No.11/POJK.03/2020 dated March 16, 2020
No.11/POJK.03/2020 tanggal 16 Maret 2020 tentang regarding National Economy Stimulus as the
Stimulus Perekonomian Nasional sebagai Kebijakan COVID-19 Outbreak Impact Countercyclical Policy
Countercyclical Dampak Penyebaran COVID-19 that amended to POJK No. 48/POJK.03/2020
yang kemudian diperbaharui dengan POJK dated December 1, 2020 and reamend under POJK
No.48/POJK.03/2020 tanggal 1 Desember 2020 dan No.17/POJK.03/2021 dated on September 10,
diperbaharui dengan POJK No.17/POJK.03/2021 2021. The amount of loan that have been
tanggal 10 September 2021. Jumlah pinjaman yang restructured as a result of the COVID-19 pandemic
diberikan yang telah direstrukturisasi akibat dampak as of December 31, 2024 and 2023 amounting to
pandemi COVID-19 pada tanggal 31 Desember 2024 Rp1,104,763,375 and Rp1,416,009,064,
dan 2023 masing-masing sebesar Rp1.104.763.375 respectively.
dan Rp1.416.009.064.
Skema restrukturisasi yang disepakati oleh Bank dan Restructured loans scheme agreed by the Bank
debitur meliputi antara lain penjadwalan ulang and its debtors include loans principal and interest
pembayaran pokok kredit dan bunga, penurunan rescheduling, reduction of interest rates, novation
suku bunga, novasi dan lain-lain. and others.
Pinjaman yang diberikan yang mengalami Impaired loans receivables and allowances for
penurunan nilai dan cadangan kerugian impairment losses by economic sector
penurunan nilainya berdasarkan sektor ekonomi
Pinjaman yang mengalami penurunan nilai Impaired loan based on economic sector and
berdasarkan sektor ekonomi dan cadangan yang allowance:
dibentuk:
31 Desember/December 31,
2024 2023
Real estate 542.943.876 664.731.842 Real estate
Perdagangan, restoran, dan hotel 268.365.343 240.812.559 Trading, restaurant, and hotel
Industri 151.949.080 121.490.813 Industry
Konstruksi 102.984.849 117.355.295 Construction
Jasa-jasa sosial/masyarakat 59.584.544 35.037.672 Social/community services
Lembaga Pembiayaan - 3.079.485 Financing
Lain-lain 252.080.946 419.454.946 Others
1.377.908.639 1.601.962.612
Dikurangi: Less:
Cadangan kerugian Allowance for
penurunan nilai (360.437.669) (362.634.000) impairment losses
Jumlah - bersih 1.017.470.969 1.239.328.612 Total - net
Rasio Non-Performing Loan Non-Performing Loan Ratio
Rasio pinjaman bermasalah (Non-Performing Loan - The ratio of non-performing loan (NPL)-gross of the
NPL) kotor Bank terhadap total pinjaman yang Bank as of December 31, 2024 and 2023 was
diberikan pada tanggal 31 Desember 2024 dan 2023 3.27% and 3.99% to total loans, respectively. Ratio
masing-masing sebesar 3,27% dan 3,99%. Rasio NPL-net to total loans of the Bank as of December
NPL neto Bank terhadap total pinjaman yang 31, 2024 and 2023 was 2.36% and 3.24%,
diberikan pada tanggal 31 Desember 2024 dan 2023 respectively.
masing-masing sebesar 2,36% dan 3,24%.
168
Page 643
The original financial statements included herein are in
Indonesian language.
PT BANK VICTORIA INTERNATIONAL Tbk PT BANK VICTORIA INTERNATIONAL Tbk
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
Tanggal 31 Desember 2024 dan untuk As of December 31, 2024 and
Tahun yang Berakhir pada Tanggal tersebut for the Year Ended
(Disajikan dalam ribuan Rupiah, (Expressed in thousands of Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
47. INFORMASI TAMBAHAN (lanjutan) 47. ADDITIONAL INFORMATION (continued)
Risiko pasar Market risk
LFR (Loan to Funding Ratio) Bank pada tanggal The Loan to Funding Ratio (LFR) of the Bank as of
31 Desember 2024 dan 2023 masing-masing adalah December 31, 2024 and 2023 are 86.27% and
sebesar 86,27% dan 81,93%. 81.93%, respectively
Risiko mata uang Currency risk
Bank memiliki eksposur risiko mata uang akibat The Bank is exposed to currency risk through
adanya transaksi dalam valuta asing. Bank transaction in foreign currencies. The Bank monitors
memonitor risiko konsentrasi yang terjadi untuk any concentration risk in relation to any individual
setiap valuta sehubungan dengan penjabaran currency in regard to the translation of foreign
transaksi dalam valuta asing ke dalam aset dan currency transactions into monetary assets and
liabilitas moneter dalam Rupiah. liabilities in Rupiah.
Pengelolaan posisi valuta asing Bank dilakukan The Bank’s foreign currency position management is
dengan cara mengendalikan Posisi Devisa Neto conducted by managing the Bank’s overall Net Open
(“PDN”) Bank secara keseluruhan. Position (“NOP”).
31 Desember/December 31, 2024
Posisi Devisa
Neto (nilai
absolut)/
Aset/ Liabilitas/ Net Open Position
Valuta Assets Liabilities (absolute amount) Currencies
Keseluruhan (laporan posisi Aggregate (statements of
keuangan dan rekening financial position and
administratif) administrative accounts)
Dolar Amerika Serikat 1.028.316.050 1.035.903.208 7.587.158 United States Dollar
Yuan China 326.132.294 (325.277.579) 854.715 Chinese Yuan
Yen Jepang 3.667.468 (3.652.877) 14.591 Japanese Yen
Euro Eropa 991.443 (1.623.030) 631.587 European Euro
Dolar Singapura 697.256 (721.197) 23.941 Singapore Dollar
Swiss Franc 89.610 - 89.610 Swiss Franc
Dolar Kanada 59.929 - 59.929 Canadian Dollar
Dolar New Zealand 57.944 - 57.944 New Zealand Dollar
Dolar Australia 54.073 - 54.073 Australian Dollar
Poundsterling Inggis 37.303 - 37.303 Great Britain Poundsterling
Baht Thailand 3.758 - 3.758 Thailand Baht
Dolar Taiwan 2.602 - 2.602 New Taiwan Dollar
Won Korea 1.638 - 1.638 Korean Won
Ringgit Malaysia 1.079 - 1.079 Malaysian Ringgit
Dolar Hongkong 187 - 187 Hongkong Dollar
Total 9.420.115 Total
Jumlah ekuitas 4.417.349.503 Total equity
Rasio PDN 0,21% NOP Ratio
169
Page 644
The original financial statements included herein are in
Indonesian language.
PT BANK VICTORIA INTERNATIONAL Tbk PT BANK VICTORIA INTERNATIONAL Tbk
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
Tanggal 31 Desember 2024 dan untuk As of December 31, 2024 and
Tahun yang Berakhir pada Tanggal tersebut for the Year Ended
(Disajikan dalam ribuan Rupiah, (Expressed in thousands of Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
47. INFORMASI TAMBAHAN (lanjutan) 47. ADDITIONAL INFORMATION (continued)
Risiko operasional Operational risk
Risiko operasional adalah risiko kerugian yang Operational risk is the risk of direct or indirect loss
langsung ataupun tidak langsung yang terjadi karena resulting from inadequate or failure in internal
tidak memadainya atau karena adanya kegagalan processes, people and systems and/or from external
proses internal, kesalahan manusia, kegagalan problems that affect the Bank's operations.
sistem, dan/atau adanya kejadian-kejadian eksternal
yang mempengaruhi operasional Bank.
Risiko ini melekat dalam semua proses bisnis, This type of risk is inherent in all business processes,
kegiatan operasional, sistem dan produk Bank, dari operational activities, systems and products of the
mulai Kantor Pusat sampai Kantor Kas. Kegagalan Bank, from Head Office to Cash Office. Failure to
mengelola risiko operasional dapat menyebabkan manage operational risks properly could lead to
kerugian keuangan, keselamatan karyawan dan financial losses, loss of employee safety, and
reputasi Bank hingga akhirnya mempengaruhi reputation of the Bank until affected capital adequacy
kecukupan modal Bank. Tujuan Bank dalam of the Bank. The Bank's objective in managing
mengelola risiko operasional adalah meminimalisasi operational risk is to minimise the impact of the failure
dampak kegagalan atau ketidakcukupan proses or inadequate internal process, people, system or
internal, faktor manusia, sistem atau kejadian- from external events, which could have financial loss
kejadian eksternal yang dapat mempunyai dampak impact.
kerugian.
Bank menerapkan manajemen risiko operasional The Bank applies the operational risk management
dengan sasaran memastikan bahwa Bank telah with the main target to ensure that the Bank has
melakukan proses manajemen risiko yang meliputi conducted a risk management process that includes
identifikasi, penilaian, pengkajian, mitigasi risiko serta risk identification, risk assessment, risk evaluation,
dilakukan pengawasan dan pelaporan atas risk mitigation and conducted monitoring and
pelaksanaannya. Hal tersebut dilakukan dengan reporting on implementation. This is done with the
tujuan akhir memaksimalkan benefit dari suatu ultimate target to maximise the benefits of a
produk/layanan atau proses transaksi/aktivitas product/service or process transactions/activities with
dengan potensi atas risiko operasional yang telah potential operational risks that have been taken into
diperhitungkan. account.
Proses pengkajian risiko dilakukan untuk menilai A risk assessment process is carried out to evaluate
kecukupan pengendalian internal serta proses the adequacy of internal control and risk identification
identifikasi dan penelaahan risiko untuk setiap proses and assessment in every process and product in each
dan produk di masing-masing unit kerja untuk working unit to ensure compliance with the policies,
memastikan kepatuhan terhadap kebijakan, rules and limits set down by the Bank's management.
peraturan dan batasan-batasan yang dibuat oleh Operational risk management is also performed by
manajemen Bank. Pengelolaan risiko operasional strengthening security and operational aspects of
juga dilakukan dengan memperkuat aspek information technology so that human error, fraud,
keamanan dan kehandalan operasi dari teknologi processing errors and system failure that can affect
informasi sehingga kesalahan manusia, fraud, business continuity can be anticipated and reduced.
kesalahan proses dan potensi kegagalan sistem
yang dapat menyebabkan terganggunya
kelangsungan bisnis dapat ditekan dan diantisipasi
lebih dini.
170
Page 645
The original financial statements included herein are in
Indonesian language.
PT BANK VICTORIA INTERNATIONAL Tbk PT BANK VICTORIA INTERNATIONAL Tbk
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
Tanggal 31 Desember 2024 dan untuk As of December 31, 2024 and
Tahun yang Berakhir pada Tanggal tersebut for the Year Ended
(Disajikan dalam ribuan Rupiah, (Expressed in thousands of Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
47. INFORMASI TAMBAHAN (lanjutan) 47. ADDITIONAL INFORMATION (continued)
Risiko operasional (lanjutan) Operational risk (continued)
Dalam pemantauan risiko operasional, fungsi Satuan In monitoring operational risk, the Internal Audit
Kerja Audit Internal (SKAI) melaksanakan penilaian (SKAI) conducted an assessment of the
terhadap penerapan kebijakan dan prosedur implementation of risk management policies and
manajemen risiko pada setiap aktivitas fungsional, procedures in each functional activity, new products
produk atau layanan baru dan Satuan Kerja or services and Risk Management Unit (SKMR)
Manajemen Risiko (SKMR) memastikan proses function ensures the identification, measurement,
identifikasi, pengukuran, pemantauan dan monitoring and risk control work effectively on any
pengendalian risiko berjalan dengan efektif pada functional activity, new products or services.
setiap aktivitas fungsional, produk atau layanan baru.
Pengawasan oleh Dewan Komisaris dan Direksi Monitoring by the Bank’s Boards of Commissioners
Bank atas profil risiko Bank dan pelaksanaan and Director actively monitor of the Bank's risk profile
manajemen risiko dilakukan melalui rapat yang and its risk management implementation through
dilakukan secara berkala dengan jadwal yang telah meeting that are conducted regularly.
ditentukan.
Selain kebijakan dan metode tersebut di atas, Bank Other than policy and the above mentioned method,
juga telah menerapkan upaya yang terus menerus the Bank has continued developing its culture and
dikembangkan untuk membangun lingkungan support the implementation for operational risk. The
budaya yang mendukung pelaksanaan manajemen three line of defense implementation, which consist of
risiko operasional. Hal tersebut dilakukan melalui unit business as the first line of defense,
penguatan pada tiga lini pertahanan (three line of establishment of operational risk management as
defense) yaitu pemberdayaan unit bisnis sebagai lini second line of defense and coordination with Internal
pertahanan pertama, pembentukan fungsi Audit (SKAI) as third line of defense.
manajemen risiko operasional sebagai lini
pertahanan kedua dan koordinasi kerja dengan
Internal Audit (SKAI) sebagai lini pertahanan ketiga.
Risiko hukum Legal risk
Risiko hukum adalah risiko akibat tuntutan hukum Legal risk is the risk related to legal claims and/or
dan/atau kelemahan aspek yuridis. Kelemahan weaknesses in the juridical aspect. Such weaknesses
aspek yuridis tersebut antara lain disebabkan adanya in legal aspect is caused, among others, by the lack
ketiadaan peraturan perundang-undangan yang of the supporting legislation or the weaknesses of
mendukung atau kelemahan perikatan seperti tidak contracts such as incomplete requirements for a valid
dipenuhinya syarat sahnya kontrak dan pengikatan contract and imperfect document contract.
dokumen yang tidak sempurna.
Sebagai sebuah perusahaan yang berdiri dalam As an entity which is governed by the laws of the
yuridiksi hukum Indonesia, Bank harus selalu tunduk Republic of Indonesia, the Bank should always
terhadap segala peraturan hukum yang dikeluarkan comply with all such laws and regulations issued by
oleh regulator industri perbankan di Indonesia. Selain the regulator in the banking industry in Indonesia. In
itu, Bank juga harus mengikuti segala bentuk addition, the Bank should also follow all prevailing
peraturan perundangan yang berlaku di masyarakat rules and regulations in the society whether directly or
baik yang terkait secara langsung maupun tidak indirectly related with the business activities
langsung dengan kegiatan usaha Bank. Kegagalan conducted by the Bank. Failure by the Bank to comply
Bank dalam mengikuti peraturan hukum yang berlaku with such prevailing laws and regulations may give
dapat mengakibatkan pada timbulnya tuntutan rise to legal claims against the Bank. If legal claims
hukum yang akan ditujukan kepada Bank. Apabila against the Bank are material in amounts, then it may
tuntutan-tuntutan hukum yang diajukan kepada Bank directly affect the Bank's financial performance.
memiliki nilai yang material, maka hal tersebut dapat
memberikan dampak secara langsung terhadap
kinerja keuangan Bank.
171
Page 646
The original financial statements included herein are in
Indonesian language.
PT BANK VICTORIA INTERNATIONAL Tbk PT BANK VICTORIA INTERNATIONAL Tbk
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
Tanggal 31 Desember 2024 dan untuk As of December 31, 2024 and
Tahun yang Berakhir pada Tanggal tersebut for the Year Ended
(Disajikan dalam ribuan Rupiah, (Expressed in thousands of Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
47. INFORMASI TAMBAHAN (lanjutan) 47. ADDITIONAL INFORMATION (continued)
Risiko hukum (lanjutan) Legal risk (continued)
Bank melaksanakan identifikasi risiko hukum Bank implements legal risk identification based on
berdasarkan beberapa faktor-faktor yang meliputi several factors include lawsuits, lack of rule or law that
tuntutan hukum, tidak adanya peraturan regulasi supports the regulation and the weakness of the
hukum yang mendukung, dan kelemahan perjanjian. agreement. The Bank performed legal risk control to
Pengendalian risiko hukum dilakukan Bank dengan ensure that all activities and working relationships
memastikan bahwa seluruh kegiatan dan hubungan with third parties have been based on the rules and
kerja dengan pihak ketiga telah didasarkan pada requirements that can protect the Bank’s interests
aturan maupun persyaratan yang dapat melindungi from legal terms including the anticipation of potential
kepentingan Bank dari segi hukum termasuk demands from external parties.
antisipasi terhadap potensi tuntutan dari pihak
eksternal.
Untuk memitigasi risiko hukum yang mungkin timbul To mitigate the possible legal risk caused by legal
akibat tuntutan hukum atau kelemahan dari aspek claims or weaknesses in legal aspects, the Bank has
hukum, Bank memiliki Biro Hukum. Biro tersebut a General Legal Counsel Bureau. Such division has
memiliki peranan: the following functions:
1) melakukan analisis hukum atas produk dan 1) to provide legal analysis on new product and
aktivitas baru serta membuat standar dokumen activity and prepare standard legal document
hukum yang terkait dengan produk dan aktivitas related with such new product and activity;
baru tersebut;
2) memberikan analisis/pendapat hukum; 2) to provide legal analysis/advice;
3) memberikan pendapat atas eksposur hukum 3) to provide advice on legal exposure due to
akibat perubahan ketentuan atau peraturan; change of laws or regulations;
4) memeriksa segala perjanjian yang akan dibuat 4) to review any contracts between the Bank and
antara Bank dengan pihak ketiga; dan third party; and
5) melakukan pemeriksaan berkala atas perjanjian 5) to conduct a periodical review on contracts which
yang telah dibuat. have been executed.
Dengan adanya biro tersebut, maka kebijakan hukum Based on the bureau above, legal policy and legal
dan standar dokumen hukum yang terkait dengan document standards related to the product or banking
produk atau fasilitas perbankan yang ditawarkan oleh facilities offered by the Bank to public, whereby the
Bank kepada masyarakat dimana kebijakan hukum legal policy and legal document standards are
dan standar dokumen hukum dimaksud dibuat intentionally made in accordance with the prevailing
dengan mengacu kepada ketentuan peraturan laws and regulations also considering the interests in
perundangan yang berlaku serta memperhatikan the legal aspect of the Bank.
kepentingan aspek hukum dari Bank.
Selain itu, Biro Hukum juga memiliki bagian Litigasi In addition, the General Legal Counsel Bureau also
untuk menangani setiap permasalahan hukum yang has a Litigation division to handle every legal case
terkait dengan litigasi agar risiko hukum yang related to litigation so that the possible legal risk can
mungkin timbul dapat diminimalisir seminimum be minimised as minimum as possible.
mungkin.
Pengelolaan risiko hukum dilakukan dengan The legal risk is also conducted by monitoring the
memantau perkembangan kasus-kasus hukum yang development of legal cases and take lesson learnt
terjadi dan mengambil pembelajaran dari kasus- principle from those cases. The management of legal
kasus tersebut. Penanganan kasus hukum yang cases conducted by the Bank is calculating potential
dilakukan pada Bank senantiasa memperhitungkan loss at all time.
potensi kerugian.
172
Page 647
The original financial statements included herein are in
Indonesian language.
PT BANK VICTORIA INTERNATIONAL Tbk PT BANK VICTORIA INTERNATIONAL Tbk
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
Tanggal 31 Desember 2024 dan untuk As of December 31, 2024 and
Tahun yang Berakhir pada Tanggal tersebut for the Year Ended
(Disajikan dalam ribuan Rupiah, (Expressed in thousands of Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
47. INFORMASI TAMBAHAN (lanjutan) 47. ADDITIONAL INFORMATION (continued)
Risiko reputasi Reputation risk
Risiko reputasi adalah risiko akibat menurunnya Reputation risk is the risk related to the decreasing
tingkat kepercayaan stakeholder yang bersumber level of stakeholder’s confidence arising from the
dari persepsi negatif terhadap Bank. Risiko ini negative perception on the Bank. Reputation risk is
melekat dalam setiap kegiatan yang dilakukan oleh inherent in every activity conducted by the Bank. The
Bank. Kegagalan Bank dalam menjaga reputasinya Bank 's failure to protect its reputation in the public's
di mata masyarakat dapat menimbulkan pandangan eye may result in negative view as well as perception
maupun persepsi negatif masyarakat terhadap Bank. by the public towards the Bank. If the Bank faces this
Apabila risiko ini dihadapi oleh Bank, maka dalam risk, then in the short run, the Bank may lose the
waktu singkat dapat terjadi penurunan atau hilangnya customer's trust that will ultimately result in a negative
kepercayaan nasabah terhadap Bank yang pada impact to the Bank 's income and volume of activities.
akhirnya akan memberikan dampak negatif terhadap
pendapatan dan volume aktivitas Bank.
Risiko reputasi dapat berdampak langsung pada Reputational risks can have a direct impact on the
berkurangnya kepercayaan nasabah sehingga decreasing of customer confidence as a result the
jumlah nasabah ataupun pendapatan Bank menurun. number of customers or the Bank's income
Dalam mengelola risiko reputasi, Bank berupaya decreased. In managing reputation risk, the Bank
untuk menjaga reputasi dengan memberikan seeks to maintain a reputation for providing the best
pelayanan terbaik dalam menangani keluhan dan service to handle complaints and provide satisfaction
memberikan kepuasan kepada nasabah untuk to customers to avoid the appearance of such
menghindari munculnya keluhan tersebut di media. complaints in media.
Corporate Secretary setiap hari melakukan The Corporate Secretary performs a daily media
pengawasan atas pemberitaan media untuk monitoring of the news to observe negative
memantau publikasi negatif atau keluhan nasabah publications or customer’s complaints which appear in
yang muncul di media. Sedangkan pengawasan atas the media. The monitoring of customer’s complaints
keluhan nasabah yang disampaikan langsung ke which are submitted directly to the Bank is performed
Bank dilakukan oleh Group Quality Service untuk by the Group Quality Service for follow up action to
kemudian ditindaklanjuti penyelesaiannya. resolve.
Untuk pemberitaan negatif dan keluhan nasabah For negative news publication and customer’s
yang muncul di media selanjutnya dibuatkan complaints which appear in the media, a clarification
klarifikasi dan tanggapan sesuai dengan langkah and appropriate response will be conducted in
yang akan ditempuh Bank. Upaya mitigasi risiko accordance with the steps undertaken by the Bank.
reputasi juga dilakukan saat Bank meluncurkan Efforts to mitigate the reputation risk are also
produk/layanan/program baru dengan menganalisis undertaken everytime when the Bank launches
risiko reputasi yang mungkin timbul dan bagaimana a new product/service/program by analysing the
mengantisipasi risiko tersebut. Demikian pula, untuk possibility of reputation risk that may arise and how to
informasi yang material atau yang penting untuk anticipate such risk. Moreover, for material or
diketahui oleh nasabah, Corporate Secretary juga important information to be known by the customer,
menyiapkan panduan untuk para frontliner dan the Corporate Secretary also prepares guidelines for
spokespersons agar mereka bisa menjelaskan frontliners and spokespersons so that they are able to
informasi tersebut secara benar dan proporsional explain the information correctly and proportionately
kepada nasabah. to customers.
173
Page 648
The original financial statements included herein are in
Indonesian language.
PT BANK VICTORIA INTERNATIONAL Tbk PT BANK VICTORIA INTERNATIONAL Tbk
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
Tanggal 31 Desember 2024 dan untuk As of December 31, 2024 and
Tahun yang Berakhir pada Tanggal tersebut for the Year Ended
(Disajikan dalam ribuan Rupiah, (Expressed in thousands of Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
47. INFORMASI TAMBAHAN (lanjutan) 47. ADDITIONAL INFORMATION (continued)
Risiko stratejik Strategic risk
Risiko stratejik adalah risiko akibat ketidaktepatan Strategic risk is the risk due to inaccuracy in deciding
dalam pengambilan dan/atau penerapan suatu and/or implementing a strategic decision as well as
keputusan stratejik serta kegagalan dalam the failure in anticipating the changes in the business
mengantisipasi perubahan lingkungan bisnis. environment. Failure in formulating the right strategy
Ketidakmampuan Bank dalam melakukan may deteriorate the Bank’s business in the future.
penyusunan strategi yang tepat dapat menimbulkan
kegagalan bisnis Bank di masa yang akan datang.
Risiko ini juga mencakup kemampuan Bank dalam This risk also includes the Bank's ability to develop its
meningkatkan daya saing dan menciptakan competitiveness and create a Bank’s competitiveness
keunggulan kompetitif Bank di tengah kompetisi edge amidst the stiff competition in the banking
perbankan yang semakin ketat. Ketidakmampuan industry. The inability of Bank to cope with such
Bank dalam menghadapi tantangan bisnis yang terus business challenges which are constantly changing
mengalami perubahan dari waktu ke waktu akan from time to time will lead Bank to failure to
mengakibatkan kegagalan bagi Bank untuk accomplished determined vision.
mencapai visi yang selama ini telah ditetapkan.
Bank mengelola risiko stratejik melalui proses The Bank manages strategic risks through
pertimbangan dan pengambilan keputusan secara a comprehensive and collective consideration and
komprehensif dan kolektif di lingkungan decision-making processes encompassing areas of
komite-komite pengawasan dan eksekutif, yang turut the supervisory and executive committee that
mempengaruhi dan berdampak pada influence and impact business decisions on policies
langkah-langkah bisnis yang akan diambil dalam and directions that the Bank will embark on.
kerangka kebijakan dan arah yang telah ditetapkan
oleh Bank.
Risiko kepatuhan Compliance risk
Risiko kepatuhan merupakan risiko akibat Bank tidak Compliance risk is the risks resulting from the failure
mematuhi dan/atau tidak melaksanakan peraturan of the Bank in fulfilling and/or implementing the
perundang-undangan dan ketentuan yang berlaku. prevailing laws and regulations. In engaging in the
Dalam menjalankan kegiatan usaha pada industri banking industry services, the Bank is required to
Perbankan, Bank diwajibkan untuk selalu tunduk always comply with the banking regulations issued by
terhadap peraturan perbankan yang diterbitkan baik the Government, Central Bank and Financial Services
oleh Pemerintah, Bank Indonesia maupun Otoritas Authority (OJK).
Jasa Keuangan (OJK).
Pada umumnya, risiko kepatuhan melekat pada Bank In general, the compliance risk is embedded in the
sebagai sebuah lembaga perbankan, seperti: risiko Bank as a banking institution, such as: credit risks
kredit terkait dengan ketentuan Kewajiban related to Capital Adequacy Ratio (CAR) regulations;
Penyediaan Modal Minimum (KPMM); Penilaian Assessment of Assets Quality; Allowance for
Kualitas Aset; Pembentukan Cadangan Kerugian Impairment Losses (CKPN); Legal Lending Limit
Penurunan Nilai (CKPN); Batas Maksimum (LLL); Good Corporate Governance (GCG) and other
Pemberian Kredit (BMPK); penerapan tata kelola risks related to certain regulations including OJK and
yang baik (GCG) dan risiko lain yang terkait dengan Central Bank relevant regulations. The inability of the
ketentuan tertentu termasuk peraturan OJK dan Bank Bank to follow and comply with all laws and
Indonesia yang relevan. Ketidakmampuan Bank regulations related to the Bank's business activities
untuk mengikuti dan mematuhi seluruh peraturan may affect the continuity of the Bank's operation.
perundangan yang terkait dengan kegiatan usaha
Bank dapat berdampak terhadap kelangsungan
usaha Bank.
174
Page 649
The original financial statements included herein are in
Indonesian language.
PT BANK VICTORIA INTERNATIONAL Tbk PT BANK VICTORIA INTERNATIONAL Tbk
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
Tanggal 31 Desember 2024 dan untuk As of December 31, 2024 and
Tahun yang Berakhir pada Tanggal tersebut for the Year Ended
(Disajikan dalam ribuan Rupiah, (Expressed in thousands of Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
47. INFORMASI TAMBAHAN (lanjutan) 47. ADDITIONAL INFORMATION (continued)
Risiko kepatuhan (lanjutan) Compliance risk (continued)
Risiko kepatuhan dapat bersumber dari perilaku Compliance risk may arise from legal behavior, which
hukum, yaitu perilaku atau aktivitas Bank yang is the Bank’s behavior or activity that deviates from or
menyimpang atau melanggar dari ketentuan violates the provisions and/or laws and regulations, as
dan/atau peraturan perundang-undangan serta well as organizational behavior, which is the Bank’s
perilaku organisasi, yaitu perilaku atau aktivitas Bank behavior or activity that deviates from or in contrary to
yang menyimpang atau bertentangan dari standar the generally accepted standards.
yang berlaku secara umum.
Wujud penerapan manajemen risiko kepatuhan The implementation of compliance risk management,
antara lain dengan mewujudkan terlaksananya among others, is by achieving the implementation of
budaya kepatuhan pada seluruh kegiatan usaha compliance culture at all of the Bank’s business
Bank di setiap jenjang organisasi, menilai dan activities at every organizational level, assessing and
mengevaluasi kecukupan, dan kesesuaian kebijakan, evaluating the adequacy and conformity of the Bank’s
ketentuan, sistem maupun prosedur yang dimiliki policies, regulations, systems, and procedures
oleh Bank dengan ketentuan dan peraturan yang against the applicable provisions and regulations,
berlaku, memantau atas pelaksanaan prinsip monitoring the implementation of the Bank’s
kehati-hatian Bank. prudential principles.
Bank melakukan identifikasi dan pengelolaan risiko The Bank implements early detection and
kepatuhan sejak awal dengan memberikan bantuan management of compliance risks by providing
kepada unit bisnis dan unit operasional dalam hal assistance to business and operational units and new
pengembangan produk dan aktivitas baru dan secara product and new activity and also evaluated the
aktif melakukan penilaian terhadap kebijakan Bank's Guidelines and Procedures to ensure that all
Pedoman dan Prosedur Internal yang dimiliki oleh external regulations have been accommodated and
Bank untuk memastikan bahwa seluruh peraturan implemented correctly.
eksternal telah diakomodir sedemikian rupa dan
selanjutnya untuk dipatuhi dalam pelaksanaannya.
Batas Maksimum Penyaluran Kredit Maximum Limit for Distribution of Loans
Pada tanggal 26 Desember 2018, OJK On December 26, 2018, OJK issued new regulation
mengeluarkan ketentuan baru yaitu No. 32/POJK.03/2018 regarding “Legal Lending Limit
No. 32/POJK.03/2018 tentang “Batas Maksimum and Large Exposure for Commercial Bank” which
Pemberian Kredit dan Penyediaan Dana Besar bagi effective since September 1, 2019, which amended
Bank Umum” yang berlaku efektif sejak partially by POJK No. 38/POJK.03/2019 dated
1 September 2019 yang sebagian pasalnya diubah December 19, 2019. This regulation requires the
dengan POJK No. 38/POJK.03/2019 tanggal maximum lending limit to one and/or group of
19 Desember 2019. Peraturan tersebut menetapkan nonrelated party debtor which not exceed to 25% of
batas maksimum penyediaan dana kepada satu the Bank’s core capital. As of December 31, 2024
debitur dan/atau kelompok debitur yang bukan and 2023, there were no breach and no violation of
merupakan pihak berelasi tidak melebihi 25% dari the LLL requirements both to related parties and third
modal inti Bank. Pada tanggal 31 Desember 2024 parties.
dan 2023 tidak terdapat pelampauan dan
pelanggaran atas BMPK baik kepada pihak berelasi
maupun pihak ketiga.
175
Page 650
The original financial statements included herein are in
Indonesian language.
PT BANK VICTORIA INTERNATIONAL Tbk PT BANK VICTORIA INTERNATIONAL Tbk
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
Tanggal 31 Desember 2024 dan untuk As of December 31, 2024 and
Tahun yang Berakhir pada Tanggal tersebut for the Year Ended
(Disajikan dalam ribuan Rupiah, (Expressed in thousands of Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
48. PERISTIWA SETELAH PERIODE PELAPORAN 48. EVENTS AFTER THE REPORTING PERIOD
Pada tanggal 15 Januari 2025, Bank bersama On January 15, 2025, the Bank together with the
dengan pemegang saham PT Victoria shareholder PT Victoria Investama Tbk (“VICO”)
Investama Tbk (“VICO”) melakukan signed Conditional Shareholder and Purchase
penandatanganan Perjanjian Jual Beli Saham Agreement (“CSPA)” with PT Bank Tabungan
Bersyarat (“PJBSB”) dengan PT Bank Tabungan Negara (Persero) Tbk (“BTN”) in connection with
Negara (Persero) Tbk (“BTN”) sehubungan dengan acquisition plan of BTN over associate entity,
rencana pengambilalihan yang akan dilakukan oleh PT Bank Victoria Syariah (“BVIS”), whereby BTN will
BTN atas entitas asosiasi, PT Bank Victoria Syariah purchase the shares owned by the Bank and VICO
(“BVIS”), dimana BTN akan melakukan pembelian in accordance with to the terms and condition in
saham yang dimiliki oleh Bank dan VICO sesuai CSPA.
dengan persyaratan dan ketentuan dalam PJBSB
tersebut.
Sampai dengan tanggal dari laporan keuangan ini, Until the date of this financial statements, the
proses pengambilalihan BVIS masih dalam proses. acquisition is still on process.
49. STANDAR AKUNTANSI YANG TELAH 49. ACCOUNTING STANDARDS ISSUED BUT NOT
DITERBITKAN NAMUN BELUM BERLAKU YET EFFECTIVE
EFEKTIF
Standar akuntansi yang telah diterbitkan sampai The accounting standards that have been issued up
tanggal penerbitan laporan keuangan Bank namun to the date of issuance of the Bank’s financial
belum berlaku efektif diungkapkan berikut ini. statements, but not yet effective are disclosed
Manajemen bermaksud untuk menerapkan standar- below. The management intends to adopt these
standar tersebut yang dipertimbangkan relevan standards that are considered relevant to the Bank
terhadap Bank pada saat efektif, dan dampaknya when they become effective, and the impact to the
terhadap posisi dan kinerja keuangan Bank masih financial position and performance of the Bank is still
diestimasi pada tanggal 31 Desember 2024: being estimated as of December 31, 2024:
Mulai efektif pada atau setelah tanggal 1 Januari Effective beginning on or after January 1, 2025
2025
Amandemen PSAK 221 (dahulu PSAK 10): Amendment of SFAS 221 (previously SFAS 10):
Kekurangan Ketertukaran Lack of Exchangeability
Amandemen tersebut mengharuskan pengungkapan The amendments require disclosure of iinformation
informasi yang memungkinkan pengguna laporan that enables users of financial statements to
keuangan memahami dampak mata uang yang tidak understand the impact of a currency not being
dapat dipertukarkan. Amandemen berlaku untuk exchangeable. The amendments apply for annual
periode pelaporan yang dimulai atau setelah tanggal reporting periods beginning on or after 1 January
1 Januari 2025. Penerapan dini diperkenankan 2025. Earlier application is permitted which an entity
dimana entitas diharuskan mengungkapkan fakta is required to disclose that fact. The date of initial
tersebut. Tanggal penerapan awal adalah awal application is the beginning of the annual reporting
periode pelaporan tahunan saat entitas pertama kali period in which an entity first applies the
menerapkan amandemen tersebut. amendments.
176
Page 651
PT BANK VICTORIA INTERNATIONAL TBK
Gedung Graha BIP Lantai 10
Graha BIP Building 10th Floor
Jl. Gatot Subroto Kav. 23
Kel. Karet Semanggi, Kec. Setiabudi
Jakarta Selatan / South Jakarta 12930, Indonesia
(021) 522 8888
(021) 522 8777
corsec@victoriabank.co.id
www.victoriabank.co.id
2024
Laporan Tahunan dan Keberlanjutan
Annual and Sustainability Report
PT Bank Victoria International Tbk berizin dan diawasi oleh
Otoritas Jasa Keuangan dan Bank Indonesia serta merupakan
peserta penjaminan Lembaga Penjamin Simpanan.
Names mentioned 210 people and organisations named in the text · linked when the evidence is strong
linked
person
Muhammad Rakhmadhani
· Senior Executive Vice President of Change Management Office
p.69 ×3
possible
—
Suryadi
· Senior Executive Vice President of Finance, Accounting & Management Information System
p.80
unresolved
org
Bank Victoria
p.2 ×251
unresolved
org
Financial Services Authority
p.2 ×34
unresolved
org
Bank Victoria’s
p.8 ×13
unresolved
org
Bank Victoria Tahun
p.8
unresolved
org
Bank Victoria’s RAKB
p.8
unresolved
org
Bank Victoria. Target
p.8 ×2
unresolved
org
Bank Victoria Ikhtisar Kinerja Keberlanjutan
p.14
unresolved
person
Rangkap
· Komisaris
p.15
unresolved
org
Policy to Prevent Insider Trading
p.15
unresolved
—
Handling of Conflict of Interests
p.15
unresolved
—
General Guidelines for Indonesian
p.15
unresolved
person
Tanggapan Terhadap Umpan Balik
· Direktur Utama
p.15 ×2
unresolved
—
and/or Bonds Buy Back
p.15
unresolved
person
Responses
· President Director
p.15 ×2
unresolved
—
Policy on Remuneration and Nomination
p.15
unresolved
person
Organ Pendukung
· Komisaris
p.15
unresolved
—
Supporting Organ
p.15 ×2
unresolved
—
Subordinate Committees
p.15
unresolved
—
Keberlanjutan 2024 Annual and Sustainability
p.15
unresolved
org
Bank Victoria Tahap I Tahun
p.24 ×5
unresolved
org
Bank Victoria Sustainable Subordinated Bonds III Phase I
p.24
unresolved
org
Bank Victoria Tahap II
p.24 ×2
unresolved
org
Bank Victoria Sustainable Subordinated Tahun
p.24
unresolved
org
Bank Victoria Bank Victoria Tahap I Tahun
p.24
unresolved
org
Bank Victoria Continuing Bonds Tahap II Tahun
p.24
unresolved
org
Bank Victoria Tahap II Tahun
p.25 ×3
unresolved
org
Bank Victoria Continuous Subordinated
p.25 ×2
unresolved
org
Bank Victoria Continuous Subordination
p.25 ×3
unresolved
org
Bank Victoria Tahap III Tahun
p.25
unresolved
org
Bank Victoria Series A Continuing Bonds
p.25
unresolved
org
Bank Victoria Series B Continuing Bonds
p.25
unresolved
org
Bank Victoria Continuing Bonds III
p.25
unresolved
org
PT Pemeringkat Efek Indonesia
p.25 ×4
unresolved
org
Bank Public Company Asset Rp
p.26 ×5
unresolved
org
Bank Communication Team
p.26
unresolved
org
Bank Victoria Continuous
p.28
unresolved
org
Bank Victoria Continuing Bonds III Subordinated Bonds III
p.28
unresolved
org
Bank Awards
p.28 ×3
unresolved
org
Bank Victoria Bank Victoria
p.30 ×2
unresolved
org
Bank Victoria Tim
p.31
unresolved
org
Bank Victoria’s Strategy Implementasi Strategi Bank Victoria
p.36
unresolved
org
Bank Bank Victoria
p.37 ×3
unresolved
org
Bank Victoria. Komposisi
p.40
unresolved
person
Zaenal Abidin Ph.
· President Commissioner
p.40 ×14
unresolved
org
Bank Victoria. Ucapan
p.40
unresolved
org
Bank Victoria. The Board
p.40
unresolved
org
Bank Perkreditan Rakyat
p.44
unresolved
org
Bank Victoria Sebagai
p.44
unresolved
org
Bank Victoria. Penyusunan RAKB
p.44
unresolved
org
Bank Victoria’s Board
p.45
unresolved
org
Bank Victoria Sepanjang
p.46
unresolved
org
Bank Victoria’s Commitment
p.47
unresolved
org
Bank Indonesia
p.49 ×40
unresolved
org
Bank Victoria. Adapun
p.50
unresolved
org
Bank Victoria. Atas
p.50
unresolved
person
Deputy
· President Director
p.51 ×4
unresolved
person
Akta Notaris Amrul Partomuan Pohan
p.56 ×4
unresolved
org
Indonesia Stock Exchange
p.57
unresolved
org
Bank Devisa
p.58
unresolved
org
Departemen Perizinan
p.58
unresolved
org
Menteri Keuangan Republik Indonesia
p.58
unresolved
org
Bank Devisa. Started
p.58
unresolved
org
PT Bank Swaguna
p.58 ×4
unresolved
org
PT Bank Victoria Syariah
p.58 ×6
unresolved
org
Bank Victoria’s Subsidiary
p.58
unresolved
org
Bank Victoria Tahap
p.59
unresolved
org
PT Nata Patindo.
p.59 ×2
unresolved
org
Bank Victoria Continuing Bonds III Phase II Year
p.59
unresolved
org
PT Victoria Alife Indonesia
p.59 ×4
unresolved
org
PT Prolestari Megapersada
p.59 ×2
unresolved
org
PT Regis Pratama Indonesia
p.59 ×3
unresolved
org
PT Emperor Finance
p.59
unresolved
org
PT Victoria Sekuritas Indonesia
p.59 ×2
unresolved
org
PT Tridaya Investindo
p.59 ×2
unresolved
org
Bank Persepsi.
p.59
unresolved
org
PT Victoria
p.59 ×8
unresolved
org
Investama Tbk
p.59 ×3
unresolved
org
PT Regis
p.59
unresolved
org
PT Emperor Finance Indonesia.
p.59 ×2
unresolved
org
PT Bhuwanatala
p.59
unresolved
org
Indah Permai Tbk.
p.59
unresolved
org
Bank Indonesia Certificates
p.62
unresolved
org
Bank Garansi
p.63
unresolved
org
Bank Notes Layanan Bank Devisa
p.63
unresolved
org
Bank Panin Senayan
p.66
unresolved
person
KH Fachrudin
p.67
unresolved
person
Credit Committee
· Direktur
p.68
unresolved
org
Nasional Indonesia Deposit Insurance Corporation
p.70
unresolved
org
PT Kustodian Sentral Efek Indonesia
p.70
unresolved
person
Forum Komunikasi
· Direktur
p.70 ×2
unresolved
org
Perbankan Bank Summa
· President Commissioner
p.71 ×2
unresolved
org
Bank Summa
p.71 ×2
unresolved
org
PT Sumberdaya Sewatama
p.71
unresolved
org
PT Sumberdaya Depok
p.71
unresolved
org
Setiabudi Internasional Tbk
p.72 ×2
unresolved
person
Riwayat Jabatan Sebelumnya
· Commissioner
p.72
unresolved
org
PT Bank Bali
p.72 ×4
unresolved
org
PT Sampoerna Transport
p.72
unresolved
org
PT Sampoerna Transport Tempat Lahir
p.72
unresolved
org
PT Sigma Karya Sempurna
p.72
unresolved
org
PT Sigma Karya
p.72
unresolved
org
PT Central Proteina
p.73
unresolved
org
Bank Ekonomi Raharja Tbk
p.73 ×5
unresolved
org
Raharja Tbk
p.73
unresolved
org
Bank Agris Tbk
p.73 ×4
unresolved
org
PT Bank IBK
p.73
unresolved
org
Indonesia Tbk
p.73
unresolved
org
Bank Internasional Indonesia Tbk
p.74 ×4
unresolved
org
PT Bank Namura
p.74
unresolved
org
PT Bank Namura Internusa
p.74
unresolved
org
Bank Rama Tbk
p.74 ×4
unresolved
person
Vice
· Direktur Utama
p.74
unresolved
org
PT Bank Tabungan
p.74
unresolved
org
Bank Tabungan Pensiun Nasional Tbk
p.74 ×2
unresolved
org
Pensiun Nasional Tbk
p.74
unresolved
org
Bank Lippo
p.76 ×4
unresolved
org
PT Elang Kurnia Sakti
p.76 ×2
unresolved
org
PT Agung Kimia Cemerlang
p.76 ×4
unresolved
org
Mayer LLP
p.77 ×2
unresolved
org
Young LLP
p.77 ×2
unresolved
org
Kantor Akuntan Publik Drs. Santoso
p.78
unresolved
org
PT Winduintan Deltatama
p.78 ×2
unresolved
org
Bank Andromeda
p.78 ×2
unresolved
org
Bank Alfa
p.78 ×2
unresolved
org
Penyehatan Perbankan Nasional
p.78
unresolved
org
Bank Restructuring
p.78
unresolved
org
PT Victoria Sekuritas
p.78
unresolved
org
PT Mahastra Capital
p.78 ×2
unresolved
—
Yohanes
· Senior Executive Vice President of Operations & International Banking
p.80
unresolved
—
Mira Christiana
· Senior Executive Vice President of Business
p.80
unresolved
—
Caprie Ardira Azhar
· Kepala Divisi Corporate Secretary
p.80
unresolved
—
Djoko Soendjojo
· Kepala Divisi SKAI
p.80
unresolved
—
R.R. Utami Tjipto
· Kepala Divisi Compliance, System Procedure & Customer Protection
p.80
unresolved
—
Sam R. Soelaeman
· Kepala Divisi Risk Management/Integrated
p.80
unresolved
—
Elies Gunawan
· Kepala Divisi International Banking
p.80
unresolved
—
Ritayana
· Kepala Divisi Treasury
p.80
unresolved
—
Theresia Maria Dhewajani
· Kepala Divisi Operations & Internal Control
p.80
unresolved
—
Yosef Sudikbyo
· Kepala Divisi Corporate Legal
p.80
unresolved
—
Novita Indriyani
· Kepala Divisi Credit Legal
p.80
unresolved
—
Teguh Trisno Pambudi
· Kepala Divisi Credit Risk Review
p.80
unresolved
—
David Fisher Kusnadi
· Kepala Divisi SME I & Consumer Banking
p.80
unresolved
—
Angeline
· Kepala Divisi SME II Banking
p.80
unresolved
—
Franky Lazuardi
· Kepala Divisi Branch Banking Network
p.80
unresolved
—
Andri Ramunanda
· Kepala Divisi Loan & Trade Operations
p.80
unresolved
—
Sonny Andryano
· Kepala Divisi Special Asset Management
p.80
unresolved
—
Syahda Candra
· Kepala Divisi Human Capital Management & General Affair
p.80
unresolved
—
Handy Widjaja
· Kepala Divisi Accounting
p.80
unresolved
—
Bambang F Triatmojo
· Wakil Kepala Divisi Credit Monitoring & Collection
p.80
unresolved
—
Yusuf Doi Pratama
· Kepala Departemen Anti Money Laundering (AML), Counter Terorist Financing (CTF) & Weapon Mass Destruction (WMD)
p.80
unresolved
org
Departemen Anti Money Laundering
p.80
unresolved
—
Joel Eka Martono Krissata
· Kepala Departemen Anti-Fraud
p.80
unresolved
org
Departemen Anti-Fraud Head of Anti-Fraud Department
p.80
unresolved
org
Individuals Limited
p.97
unresolved
org
PT Sumber Victoria
p.97
unresolved
org
Manajemen International Tbk
p.97
unresolved
org
Insurance Tbk
p.97
unresolved
—
Objects
p.147
unresolved
org
PT Asri Kencana Gemilang
p.147 ×2
unresolved
org
PT Asri
p.147
unresolved
org
PT Bhuwanatala Indah Kencana
p.147
unresolved
org
Permai Tbk
p.147 ×2
unresolved
org
PT Bhuwanatala Indah
p.147
unresolved
org
Bank Indonesia Regulation
p.149 ×4
unresolved
org
Bank Indonesia Generasi II Transfer Dana
p.149
unresolved
org
Bank Indonesia Administering Fund Transfer
p.149
unresolved
org
Bank Indonesia Peraturan Anggota Dewan Gubernur
p.149
unresolved
org
Bank Indonesia Consumer Protection Peraturan Otoritas Jasa Keuangan
p.150
unresolved
org
Bank Umum Financial Services Authority Regulation
p.150 ×2
unresolved
org
Bank Problems Peraturan Otoritas Jasa Keuangan
p.150
unresolved
org
Bank Financial Services Authority Regulation
p.150
unresolved
org
Bank The Strength
p.168
unresolved
org
Bank Problems
p.169
unresolved
org
Bank Financial Reporting Integrity Function
p.169
unresolved
org
PT Adimitra Jasa Korpora
p.171 ×2
unresolved
org
Kantor Akuntan Publik Purwantono
p.171
unresolved
—
at the Annual GMS
p.171
unresolved
person
Notary Fathiah Helmi
p.171 ×2
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