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20
24
Annual Report
Laporan Tahunan
PT Bank of India Indonesia Tbk
Jl. K.H. Samanhudi No. 37, Jakarta - 10710, Indonesia
Telp : (+62 21) 3500 007 (Hunting)
Fax : (+62 21) 3808 178, 3500 007 Ext. 6
E-mail : boiicare@boiindonesia.co.id
Website : www.boiindonesia.co.id ANNUAL REPORT
SWIFT BIC : BKIDIDJA LAPORAN TAHUNAN PT Bank of India Indonesia Tbk
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MOVING FORWARD WITH RESILIENCE MELANGKAH MAJU DENGAN TANGGUH Sepanjang tahun 2024, ketidakpastian global masih membayangi Throughout 2024, global uncertainty continued to overshadow the world ekonomi dunia. Konflik geopolitik yang berlanjut, termasuk perang economy. Ongoing geopolitical conflicts, including the Russia-Ukraine Rusia-Ukraina dan ketegangan di Timur Tengah, serta dampak war and tensions in the Middle East, as well as the impact of economic dari perlambatan ekonomi di beberapa negara maju, memberikan slowdowns in several developed countries, pose significant challenges tantangan tersendiri bagi industri keuangan. Di sisi lain, tren suku to the financial industry. On the other hand, the trend of high interest bunga tinggi, volatilitas pasar komoditas, dan perubahan kebijakan rates, commodity market volatility, and shifts in monetary policies across moneter di berbagai negara turut mempengaruhi stabilitas ekonomi various countries also influence global economic stability. global. Di tengah kondisi tersebut, sepanjang tahun 2024, perekonomian Amid these conditions, throughout 2024, Indonesian economy Indonesia menunjukkan kinerja yang kuat dan stabil dengan demonstrated strong and stable performance, recording an economic mencatatkan pertumbuhan ekonomi sebesar 5,03%. Hal ini growth of 5.03%. This reflects the sustained resilience of the national mencerminkan ketahanan ekonomi nasional yang tetap terjaga. economy. This economic stability also provided space for the banking Stabilitas ekonomi ini turut memberikan ruang bagi industri perbankan industry to play an active role in fostering inclusive recovery and growth. untuk berperan aktif dalam mendorong pemulihan dan pertumbuhan yang inklusif. Di tengah tren positif kinerja ekonomi Indonesia sepanjang tahun Amid the positive trend in Indonesian economic performance throughout 2024, Bank berhasil melanjutkan trend kinerja positifnya dengan 2024, the Bank successfully continued its positive trajectory by recording mencatatkan laba bersih sebesar Rp79 miliar meningkat sebesar 61,28% a net profit of Rp79 billion, marking a 61.28% increase from the previous dari tahun sebelumnya sebesar Rp49 miliar dengan mencatatkan year’s Rp49 billion. The Bank also achieved returns on assets (ROA) tingkat pengembalian atas aset (Return on Asset/ROA) dan Tingkat and equity (ROE) of 1.52% and 2.39%, respectively, which were higher Pengembalian atas Ekuitas (Return on Equity/ROE) masing-masing than the previous year’s 0.96% and 1.49%. Along with this, the Bank sebesar 1,52% dan 2,39% lebih tinggi dari tahun sebelumnya masing- successfully improved credit quality, as reflected in the decline of the masing sebesar 0,96% dan 1,49%. Bersamaan dengan hal tersebut, NPL ratio in 2024 compared to the previous year. On the non-financial Bank berhasil meningkatkan kualitas kredit yang bisa dilihat dari side, The Bank has successfully launched new services and innovations in penurunan angka NPL di tahun 2024 dibandingkan tahun sebelumnya. the form of digital banking services such as Internet Banking and Mobile Dari sisi non Finansial, Bank telah berhasil meluncurkan layanan dan Banking, the Hello BOII 150707 hotline contact center, an updated inovasi baru berupa layanan perbankan berbasis digital seperti Internet website featuring the chatbot TAARA, as well as improvements to its loan Banking dan Mobile Banking, hotline contact center Hello BOII 150707, and savings product portfolio. pengkinian website yang dilengkapi dengan chatbot TAARA dan meningkatkan portofolio produk pinjaman maupun simpanan. Dengan mengusung tema “Melangkah Maju dengan Tangguh” Bank With the theme “Moving Forward with Resilience,” the Bank continues terus memperkuat fundamental bisnis, strategi yang terarah serta to strengthen its business fundamentals, implement focused strategies, meningkatkan kapabilitas dalam menghadapi dinamika ekonomi and enhance its capabilities in navigating the dynamic economy and dan perubahan industri yang semakin kompleks. Penerapan prinsip increasingly complex industry changes. The application of prudential kehati-hatian dan tata kelola perusahaan yang baik senantiasa menjadi principles and good corporate governance remains the foundation for landasan utama dalam memperkuat kepercayaan pemegang saham dan building trust among shareholders and stakeholders. Supported by digital pemangku kepentingan. Didukung oleh transformasi digital, penguatan transformation, capital reinforcement, and improved service quality, the permodalan, dan peningkatan kualitas layanan, Bank siap melangkah Bank is ready to move forward resiliently and sustainably toward healthy maju dengan tangguh secara berkelanjutan menuju pertumbuhan yang and competitive growth amidst future challenges. sehat dan kompetitif di tengah tantangan masa depan.
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KEBERLANJUTAN TEMA
THEME CONTINUITY
KETAHANAN UNTUK BERTAHAN HIDUP OPTIMALISASI STRATEGI TAHUN PEMULIHAN MEMBANGUN MOMENTUM
RESILIENCE TO SURVIVE UNTUK HADAPI TANTANGAN THE YEAR OF RECOVERY BUILDING MOMENTUM
OPTIMIZING STRATEGIES IN FACING CHALLENGES
Pada tahun 2022, perkembangan perekonomian dunia melanjutkan tren pemulihan Selama tahun 2023, ekonomi global melanjutkan tren pemulihan pasca pandemi,
setelah tertahan akibat pandemi Covid-19. Meskipun pemulihan tersebut masih namun masih dihadapkan pada berbagai dinamika seperti konflik Rusia-Ukraina,
Sebagai tahun yang penuh dengan tantangan, 2020 dipenuhi dengan berbagai Tahun 2021 merupakan tahun pemulihan ekonomi global yang masih terhambat terkendala dinamika geopolitik antara Rusia dan Ukraina yang menyebabkan krisis di Timur Tengah, dan perang dagang AS-Tiongkok. Konflik tersebut
tantangan yang bukan hanya menimpa Perbankan, tetapi juga hampir seluruh lini dikarenakan kasus Covid-19 varian delta yang meningkat. Meskipun demikian, tingginya angka inflasi di berbagai negara. Sementara itu, laju pertumbuhan menyebabkan krisis energi, krisis pangan, serta kenaikan harga komoditas di pasar
bisnis di Indonesia. Pertumbuhan ekonomi yang minus di tahun 2020 membuktikan dikutip dari laporan Bank Dunia yang dirilis pada Januari 2022, bahwa perekonomian ekonomi dalam negeri telah berhasil mencatatkan angka pertumbuhan yang global, sementara ketegangan di Timur Tengah dan perang dagang berakibat pada
bahwa perekonomian, baik Indonesia maupun global, secara umum dihadapkan global untuk 2021 tumbuh di kisaran 5,5% setelah angka kontraksi di tahun 2020 baik di kisaran 5,31% selayaknya masa pra pandemi. Hal tersebut sekaligus tingginya angka inflasi, resesi, hingga terganggunya jalur perdagangan dunia.
dengan tantangan yang sama besarnya. Dalam hal ini, Bank mengambil sejumlah tercatat sebesar -3,4%. Ekonomi Indonesia juga tercatat melakukan pemulihan menggambarkan kebangkitan ekonomi nasional pasca pandemi. Selaras dengan Indonesia menunjukkan kinerja ekonomi yang stabil di tengah ketidakpastian
langkah strategis untuk bertahan dari kemerosotan yang hampir terjadi di semua di angka 3,69%, namun pencapaian tersebut lebih tinggi dibandingkan dengan hal tersebut, sektor perbankan nasional pun mampu menunjukkan kinerja yang global pada tahun 2023. Pertumbuhan ekonomi nasional tercatat sebesar 5,05%
lini bisnis. Sejumlah langkah-langkah strategis yang telah dilaksanakan oleh Bank di negaranegara emerging market lain dan angka pertumbuhan ekonomi Indonesia optimal di mana penyaluran kredit perbankan tumbuh 11,35%. Bank senantiasa dibandingkan dengan tahun sebelumnya sebesar 5,31%. Pencapaian tersebut
sepanjang tahun 2020 membuat tema Resilience to Survive dianggap tepat untuk tahun lalu tercatat -2,07%. Kondisi perekonomian yang tidak kondusif dan serba optimis melangkah di 2022, tentunya dengan implementasi berbagai strategi yang utamanya didukung oleh peningkatan konsumsi rumah tangga dan investasi.
mewakili tema Laporan Tahunan dan Laporan Keberlanjutan Tahun Buku 2020. dinamis adalah tantangan besar di tahun 2021. Restrukturisasi pinjaman yang mampu membawa serangkaian pembaruan bagi fundamental Bank serta dukungan Tingkat inflasi juga berhasil ditekan dari 5,51% menjadi 2,61%. Hal ini sekaligus
dilakukan nasabah dalam mengatasi situasi pandemi merupakan sebuah tantangan dari berbagai pihak. Sinergi tersebut senantiasa menciptakan sebuah momentum menunjukkan efektivitas dari pembaruan kebijakan moneter nasional. Tema
Year of 2020 is known as a year full of various challenges that not only applied into besar yang dihadapi Bank terutama dalam menjaga kinerja arus kas dan melakukan bagi Bank untuk bangkit penuh dengan optimisme selaras dengan tema yang tahun 2023 “Membangun Momentum”, menyoroti kinerja Bank yang meningkat
bank sectors but almost all business lines in Indonesia. The economy with minus penyesuaian periode pinjaman untuk memastikan performa pembayaran oleh diangkat oleh Bank, yaitu “Tahun Pemulihan”. dan mengalami perbaikan di segala aspek, terutama dengan adanya Core Banking
growth in 2020 proves that economy both in Indonesia and global, faced with equal nasabah. Selain mencatatkan pertumbuhan berkelanjutan, Bank mengambil System (CBS) yang baru, pemenuhan anggota Dewan Komisaris, pengkinian
load challenges. For this matter, the Bank has taken some strategic steps to survive langkah yang strategis dan maksimal dalam menghadapi tantangan pada kondisi In 2022, the global economy continued its recovery trend after being held back by kebijakan dan prosedur, peningkatan kualitas kredit termasuk penurunan NPL,
from the decline in almost all of the business lines. A number of strategic steps that ekonomi dan politik global yang dinamis. Hal ini selaras dengan tema Bank, the Covid-19 pandemic. Although the recovery was still constrained by geopolitical pertumbuhan bisnis seperti total kredit (tumbuh sebesar 48,34%), dana pihak
have been carried out by Banks throughout 2020 make the theme Resilience to yaitu “Optimizing Strategies in Facing Challenges”. Bank berfokus pada strategi dynamics between Russia and Ukraine which caused high inflation rates in various ketiga (tumbuh sebesar 13,84%), dan profitabilitas (tumbuh sebesar 194,35%).
Survive is appropriately considered to represent the theme of 2020 Annual Report peningkatan portofolio kredit untuk meningkatkan keunggulan kompetitif Bank, countries. Meanwhile, the domestic economic growth rate has managed to record Hal ini mencerminkan keberhasilan Bank dalam memperbaiki kualitas penerapan
and Sustainability Report for the 2020 Financial Year. antara lain melalui program pengambilalihan pinjaman. a good growth rate of 5.31% like the pre-pandemic period. This also reflects Tata Kelola Perusahaan yang Baik, sehingga menjadi sebuah harapan bagi Bank
the post-pandemic economic revival of the nation. Aligned with this matter, the dalam membangun momentum untuk meningkatkan kinerja di masa depan, serta
2021 is a year of global economic recovery which is still hampered due to the national banking sector was also able to show optimal performance where bank menjaga kepercayaan para Pemegang Saham dan Pemangku Kepentingan.
increasing cases of Covid-19 delta variants. Nevertheless, quoted from the World lending grew by 11.35%. The Bank is always optimistic about stepping into 2022,
Bank report released in January 2022, the global economy for 2021 grew by 5.5% of course, with the implementation of various strategies that can bring a series of During 2023, the global economy continued its post-pandemic recovery, but was
after the contraction rate in 2020 which was -3.4%. Indonesia’s economy also updates to the Bank’s fundamentals as well as support from various parties. This still faced with various dynamics such as the Russia-Ukraine conflict, the crisis in
recorded a recovery at 3.69%, but this achievement is higher than other emerging synergy creates a momentum for the Bank to recover with optimism, in accordance the Middle East, and the US-China trade war. The conflict led to an energy crisis,
market countries and Indonesia’s economic growth rate last year was recorded with the theme highlighted by the Bank, which is “Year of Recovery”. food crisis, and rising commodity prices in the global market, while tensions in
at -2.07%. Unconducive and dynamic economic conditions are a big challenge in the Middle East and the trade war resulted in high inflation rates, recession, and
2021. Loan restructuring by customers to overcome the pandemic situation is a big disruption of world trade routes. Indonesia showed stable economic performance
challenge faced by the Bank, especially in maintaining cash flow performance and amidst global un- certainty in 2023. National economic growth was recorded at
adjusting loan periods to ensure payment performance by customers. In addition 5.05% compared to the previous year’s 5.31%. The achievement was mainly
to recording sustainable growth, the Bank took strategic and maximum steps to supported by increased household consumption and investment. The inflation
face the challenges of dynamic global economic and political conditions. This is in rate was also successfully reduced from 5.51% to 2.61%. It also demonstrates the
accordance with the Bank’s theme, “Optimizing Strategies in Facing Challenges”. effectiveness of the recent national monetary policy updates. The theme for the
The Bank focused on strategies to improve the loan portfolio to enhance the Bank’s year 2023, “Building Momentum”, highlights the Bank’s improved performance
competitive advantage, including through a loan takeover program. and improvements across all aspects, par- ticularly with the implementation of
the new Core Banking System (CBS), the fulfillment of the Board of Commissioners
members, the updating of policies and procedures, improving credit quality
includes reduced NPL, business growth such as loans (increased by 48.34%), third-
party funds (increased by 13.84%), and profitability (increased by 194.35%). This
reflects the Bank’s success in improving the quality of Good Corporate Governance
implementation, which serves as a beacon of hope for the Bank in building
momentum to enhance performance in the future while maintaining the trust of
shareholders and stakeholders.
PT BANK OF INDIA INDONESIA Tbk PT BANK OF INDIA INDONESIA Tbk
2 Laporan Tahunan 2024 Annual Report 2024 3
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KEBERLANJUTAN TEMA
THEME CONTINUITY DAFTAR ISI 2024
LAPORAN TAHUNAN
TABLE OF CONTENTS ANNUAL REPORT
LAPORAN TAHUNAN 2024
2024 ANNUAL REPORT
MELANGKAH MAJU DENGAN TANGGUH
MOVING FORWARD WITH RESILIENCE
01 KINERJA 2024
2024 PERFORMANCE 8
10 Ikhtisar Keuangan / Financial Highlights 75 Sumber Daya Manusia / Human Resources
11 Rasio Keuangan / Financial Ratio Biaya Pengembangan Sumber Daya Manusia Tahun 2024 /
76
Human Resources Development Cost In 2024
14 Ikhtisar Operasional / Operational Highlights Pelatihan Karyawan Tahun 2024 /
77
Employees Training In 2024
15 Ikhtisar Saham / Shares Highlights
Informasi Kepemilikan Saham /
82
16 Komposisi Pemegang Saham / Shareholders Composition Shareholding Information
Daftar Pemegang Saham Berdasarkan Klasifikasi /
16 Aksi Korporasi / Corporate Action 82
List of Shareholders by Classification
Laporan Kepemilikan Saham Oleh Dewan Komisaris dan Direksi
02
Sepanjang tahun 2024, ketidakpastian global masih membayangi Throughout 2024, global uncertainty continued to overshadow the world /
LAPORAN MANAJEMEN 82
18
Report on Share Ownership by The Board of Commissioners and
ekonomi dunia. Konflik geopolitik yang berlanjut, termasuk perang economy. Ongoing geopolitical conflicts, including the Russia-Ukraine
Rusia-Ukraina dan ketegangan di Timur Tengah, serta dampak war and tensions in the Middle East, as well as the impact of economic
MANAGEMENT’S REPORT Directors
dari perlambatan ekonomi di beberapa negara maju, memberikan slowdowns in several developed countries, pose significant challenges 83 Kronologi Pencatatan Saham / Chronologies of Stock Listing
tantangan tersendiri bagi industri keuangan. Di sisi lain, tren suku to the financial industry. On the other hand, the trend of high interest 20 Laporan Dewan Komisaris / Board of Commisioners Report
Lembaga Penunjang Pasar Modal / Capital Market Supporting
bunga tinggi, volatilitas pasar komoditas, dan perubahan kebijakan rates, commodity market volatility, and shifts in monetary policies across 84
26 Laporan Direksi / Board of Directors Report Institutions
moneter di berbagai negara turut mempengaruhi stabilitas ekonomi various countries also influence global economic stability.
global. 85 Informasi pada Situs Web / Website Information
Di tengah kondisi tersebut, sepanjang tahun 2024, perekonomian
Indonesia menunjukkan kinerja yang kuat dan stabil dengan
mencatatkan pertumbuhan ekonomi sebesar 5,03%. Hal ini
Amid these conditions, throughout 2024, Indonesian economy
demonstrated strong and stable performance, recording an economic
growth of 5.03%. This reflects the sustained resilience of the national
03 PROFIL BANK
BANK’S PROFILE 34
86 Peristiwa Penting / Events Highlights
04
mencerminkan ketahanan ekonomi nasional yang tetap terjaga. economy. This economic stability also provided space for the banking 36 Profil Bank / Bank’s Profile ANALISIS DAN
Stabilitas ekonomi ini turut memberikan ruang bagi industri perbankan industry to play an active role in fostering inclusive recovery and growth.
37 Visi dan Misi / Vision and Mission
PEMBAHASAN
untuk berperan aktif dalam mendorong pemulihan dan pertumbuhan MANAJEMEN
yang inklusif. 38 Sekilas Perusahaan / Company at a Glance MANAGEMENT
DISCUSSION AND
Di tengah tren positif kinerja ekonomi Indonesia sepanjang tahun
2024, Bank berhasil melanjutkan trend kinerja positifnya dengan
Amid the positive trend in Indonesian economic performance throughout
2024, the Bank successfully continued its positive trajectory by recording
40 Budaya Bank / Bank’s Culture
ANALYSIS 88
42 Jejak Langkah / Milestones
mencatatkan laba bersih sebesar Rp79 miliar meningkat sebesar 61,28% a net profit of Rp79 billion, marking a 61.28% increase from the previous
Tinjauan Ekonomi dan Industri Perbankan /
dari tahun sebelumnya sebesar Rp49 miliar dengan mencatatkan year’s Rp49 billion. The Bank also achieved returns on assets (ROA) Produk dan Layanan Jasa Bank / 90
46 Economic and Banking Industry Review
tingkat pengembalian atas aset (Return on Asset/ROA) dan Tingkat and equity (ROE) of 1.52% and 2.39%, respectively, which were higher Bank’s Products and Services
Pengembalian atas Ekuitas (Return on Equity/ROE) masing-masing than the previous year’s 0.96% and 1.49%. Along with this, the Bank 91 Tinjauan Operasional / Operational Review
50 Jaringan Kantor / Office Network
sebesar 1,52% dan 2,39% lebih tinggi dari tahun sebelumnya masing- successfully improved credit quality, as reflected in the decline of the Perbandingan Antara Realisasi Tahun 2024 Dengan Target Tahun
masing sebesar 0,96% dan 1,49%. Bersamaan dengan hal tersebut, NPL ratio in 2024 compared to the previous year. On the non-financial Laporan Keuangan Bank (Entitas Induk) Secara Individual / 2024, Serta Realisasi Tahun Sebelumnya /
53 102
Bank berhasil meningkatkan kualitas kredit yang bisa dilihat dari side, The Bank has successfully launched new services and innovations in Individual Bank (Parent Entity) Financial Statements Comparison Between The 2024 Actual Performance and The 2024
penurunan angka NPL di tahun 2024 dibandingkan tahun sebelumnya. the form of digital banking services such as Internet Banking and Mobile Target, As Well As The Previous Year’s Actual Performance
Struktur Pemegang Saham Entitas Induk /
Dari sisi non Finansial, Bank telah berhasil meluncurkan layanan dan Banking, the Hello BOII 150707 hotline contact center, an updated 54
Parent Entity Shareholders Structure Informasi Material yang Terjadi Setelah Tanggal Laporan Akuntan
inovasi baru berupa layanan perbankan berbasis digital seperti Internet website featuring the chatbot TAARA, as well as improvements to its loan 109 /
Struktur Pemegang Saham PT Bank of India Indonesia Tbk / PT Material Information Subsequence to Audited Report Date
Banking dan Mobile Banking, hotline contact center Hello BOII 150707, and savings product portfolio. 55
PT Bank of India Indonesia Tbk Shareholders Structure
pengkinian website yang dilengkapi dengan chatbot TAARA dan Struktur Organisasi Terbaru PT Bank of India Indonesia Tbk /
Struktur Organisasi PT Bank of India Indonesia Tbk / 110
meningkatkan portofolio produk pinjaman maupun simpanan. 56 Latest Organization Structure of PT Bank of India Indonesia Tbk
Organization Structure of PT Bank of India Indonesia Tbk
Rencana Bisnis Bank Tahun 2025 - 2027 /
Dengan mengusung tema “Melangkah Maju dengan Tangguh” Bank With the theme “Moving Forward with Resilience,” the Bank continues Tabel Keikutsertaan dalam Asosiasi / 115
58 Bank’s Business Plan Year 2025 - 2027
terus memperkuat fundamental bisnis, strategi yang terarah serta to strengthen its business fundamentals, implement focused strategies, Table of the Participation in the Association
Standar Baru dan Amandemen Standar Akuntansi Keuangan /
meningkatkan kapabilitas dalam menghadapi dinamika ekonomi and enhance its capabilities in navigating the dynamic economy and 60 Profil Dewan Komisaris / Board of Commissioners Profile 120 New Standards and Amendments to Financial Accounting
dan perubahan industri yang semakin kompleks. Penerapan prinsip increasingly complex industry changes. The application of prudential Standards
kehati-hatian dan tata kelola perusahaan yang baik senantiasa menjadi principles and good corporate governance remains the foundation for 63 Profil Direksi / Board of Directors Profile
Informasi Keuangan yang Mengandung Kejadian Luar Biasa dan
landasan utama dalam memperkuat kepercayaan pemegang saham dan building trust among shareholders and stakeholders. Supported by digital Tabel Rangkap Jabatan Dewan Komisaris dan Direksi / 120 Jarang Terjadi /
pemangku kepentingan. Didukung oleh transformasi digital, penguatan transformation, capital reinforcement, and improved service quality, the 68 Concurrent Positions of The Board of Commissioners and the Financial Information Containing Extraordinary and Rare Events
permodalan, dan peningkatan kualitas layanan, Bank siap melangkah Bank is ready to move forward resiliently and sustainably toward healthy Board of DIrectors Perubahan Peraturan Undang-Undang /
maju dengan tangguh secara berkelanjutan menuju pertumbuhan yang and competitive growth amidst future challenges. 120
Amendment to Law Regulations
69 Profil Pejabat Eksekutif / Executive Officers Profile
sehat dan kompetitif di tengah tantangan masa depan.
72 Pimpinan Cabang / Branch Managers
PT BANK OF INDIA INDONESIA Tbk PT BANK OF INDIA INDONESIA Tbk
4 Laporan Tahunan 2024 Annual Report 2024 5
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DAFTAR ISI 2024
LAPORAN TAHUNAN
TABLE OF CONTENTS ANNUAL REPORT
05 TATA KELOLA LAPORAN KEBERLANJUTAN 2024
PERUSAHAAN 2024 SUSTAINABILITY REPORT
GOOD CORPORATE
GOVERNANCE 122 262 Tentang Laporan Keberlanjutan / About Sustainability Report
01 05
Komitmen Penerapan Tata Kelola Perusahaan / 189 Jumlah Penyimpangan / Internal Fraud
124
Commitment to Good Corporate Governance Implementation STRATEGI TATA KELOLA
Tujuan Penerapan Tata Kelola Perusahaan / 189
Pembelian Kembali (Buy Back) Saham dan/atau Obligasi Bank /
Buy Back of Bank Shares and/or Bonds
KEBERLANJUTAN KEBERLANJUTAN
124
SUSTAINABILITY SUSTAINABILITY
264 296
Objective of Good Corporate Governance Implementation
Dasar Hukum Penerapan Tata Kelola Perusahaan / 189
Penambahan Modal Melalui Right Issue /
Capital Addition Through Right Issue
STRATEGY GOVERNANCE
125
Legal Basis for Good Corporate Governance Implementation
Pemberian Dana untuk Kegiatan Sosial / 268 Ringkasan Eksekutif / Executive Summary Indeks Tabel Tata Kelola Keberlanjutan /
Prinsip Tata Kelola Perusahaan / 190 299
126 Granting Funds for Social Activities Sustainability Governance Table Index
Principles of Good Corporate Governance
Hubungan Keuangan dan Hubungan Keluarga Anggota Direksi 270 Program Strategi Keberlanjutan / Sustainability Strategy Program
Penilaian Tata Kelola Perusahaan / 300 Pengembangan Kompetensi / Competence Development
127 dan Anggota Dewan Komisaris Dengan Anggota Direksi Lain,
Good Corporate Governance Assessment Pihak yang Menjadi Penanggung Jawab Pelaksanaan
Anggota Dewan Komisaris Lain, dan/atau Pemegang Saham 300 Mitigasi Risiko / Risk Mitigation
274 Program Keuangan Berkelanjutan / The Party in Charge of the
Penerapan Tata Kelola Perusahaan yang Baik / Pengendali Bank /
128 Implementation of the Sustainable Finance Program
Implementation of Good Corporate Governance 190 Financial Relationships and Family Relationships of the Members 300 Pemangku Kepentingan / Stakeholders
of the Board of Directors and Members of the Board of Prioritas dan Uraian Strategi Keberlanjutan /
Pelaksanaan Tugas dan Tanggung Jawab Dewan Komisaris dan Commissioners with Other Members of the Board of Directors, 277
Sustainable Strategies Priority and Description 300 Kendala / Challenges
Direksi / Other Members of the Board of Commissioners, and/or
129
Implementation of Duties and Responsibilities of the Board of Shareholders Control of Bank Tindak Lanjut Strategi Keberlanjutan /
02
Commissioners and Board of Directors 301
Sustainable Strategies Follow Up
190 Sistem Pelaporan Pelanggaran / Whistle Blowing System IKHTISAR KINERJA
Rapat Umum Pemegang Saham (RUPS) / General Meeting of
129 KEBERLANJUTAN 2024
06
Shareholders (GMS) Penanganan Pengaduan Nasabah /
192
Customer Complaint Handling SUSTAINABILITY KINERJA
135 Dewan Komisaris / Board of Commissioners PERFORMANCE 2024
193
Prinsip dan Rekomendasi Tata Kelola Perusahaan /
HIGHLIGHTS 280 KEBERLANJUTAN
SUSTAINABILITY
302
142 Komite Audit / Audit Committee Principles and Recommendation of Good Corporate Governance
146 Komite Pemantau Risiko / Risk Monitoring Committee Ikhtisar Kinerja Aspek Keberlanjutan / Sustainability
PERFORMANCE
06
282
Performance Highlights
Komite Remunerasi dan Nominasi / TANGGUNG JAWAB Membangun Budaya Keberlanjutan /
149 304
Remuneration and Nomination Committee SOSIAL PERSEROAN Building Sustainability Culture
03
CORPORATE SOCIAL
157 Direksi / Board of Directors
Komite di Bawah Direksi / Commitee Under the Board of
RESPONSIBILITY 198 PROFIL BANK
BANK’S PROFILE 284
304
304
Kinerja Ekonomi / Economic Performance
Kinerja Sosial / Social Performance
167
Directors Tanggung Jawab Sosial di Bidang Lingkungan Hidup /
200
Social Responsibility in the Environment
286 Indeks Profil Bank / Bank Profile Index 307 Kinerja Lingkungan Hidup / Enviromental Performance
171 Sekretaris Perusahaan / Corporate Secretary
Tanggung Jawab Sosial di Bidang Ketenagakerjaan, Kesehatan, dan Tanggung Jawab Pengembangan Produk dan Layanan Jasa
172 Satuan Kerja Audit Intern (SKAI) / Internal Audit Working Unit 202 Keselamatan Kerja / 287 Keanggotaan Asosiasi / Participation in the Association 309 Keuangan / Responsibility on Financial Product and Services
Social Responsibility in the Field of Employment, Health, and Safety
Development
177 Sistem Pengendalian Intern / Internal Control System Tanggung Jawab Sosial Di bidang Kemasyarakatan / 287 Perubahan Signifikan / Significant Changes
204 Tanggapan Terhadap Umpan Balik Laporan Keberlanjutan
Social Responsibility in the Field of Community Sector
Penerapan Fungsi Kepatuhan / Compliance Function 287 Inisiatif Eksternal / External Initiatives 309 Tahun Sebelumnya / Response to Feedback from Previous Year’s
178 205 Tanggung Jawab Kepada Nasabah / Responsibility to Customers Sustainability Report
Implementation
07 04
179 Akuntan Publik / Public Accountant
LAMPIRAN PENJELASAN DIREKSI SURAT PERNYATAAN ANGGOTA DIREKSI DAN ANGGOTA DEWAN
208
KOMISARIS TENTANG TANGGUNG JAWAB ATAS LAPORAN
THE BOARD OF
288
180 Manajemen Risiko / Risk Management
ANNEXURES 310
TAHUNAN 2024 PT BANK OF INDIA INDONESIA Tbk / STATEMENT
183 Permasalahan Hukum / Litigation
DIRECTORS OVERVIEW OF BOARD DIRECTORS AND BOARD OF COMMISSIONERS
RESPONSIBILITY FOR THE 2024 ANNUAL REPORT OF PT BANK OF
SURAT PERNYATAAN ANGGOTA DIREKSI DAN ANGGOTA DEWAN KOMISARIS
TENTANG TANGGUNG JAWAB ATAS LAPORAN TAHUNAN 2024 PT BANK OF INDIA INDONESIA Tbk
184 Sanksi Administratif / Administrative Sanctions
INDIA INDONESIA Tbk /
262 STATEMENT OF BOARD DIRECTORS AND BOARD OF COMMISSIONERS
185 Kode Etik Bank / Code of Conduct RESPONSIBILITY FOR THE 2024 ANNUAL REPORT OF PT BANK OF INDIA
INDONESIA Tbk DAFTAR INDEKS SEOJK 16/2021 311
185 Budaya Perseroan / Corporate Culture 16/2021 OJK REFERENCE INDEX
Penyediaan Dana Kepada Pihak Terkait dan Penyediaan Dana
186 Besar / Provision of Funds to Related Parties and Provision of
Large Exposure LEMBAR UMPAN BALIK 320
Transparansi Kondisi Keuangan dan Non-Keuangan yang Belum
FEEDBACK SHEET
Diungkap dalam Laporan Lain /
187
Transparency of the Banks’s Financial and Non-Financial
Conditions That Have Not Been Disclosed in Other Reports
LAPORAN KEUANGAN
188 Kepemilikan Saham / Share Ownership TAHUNAN 2024 (AUDITED) 321
188
Transaksi Mengandung Benturan Kepentingan / 2024 ANNUAL FINANCIAL
Transactions Contain Conflict of Interest STATEMENTS (AUDITED)
PT BANK OF INDIA INDONESIA Tbk PT BANK OF INDIA INDONESIA Tbk
6 Laporan Tahunan 2024 Annual Report 2024 7
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01 KINERJA 2024 2024 PERFORMANCE
Page 7
Kinerja 2024
2024 Performance
IKHTISAR KEUANGAN RASIO KEUANGAN
FINANCIAL RATIO
FINANCIAL HIGHLIGHTS (Dalam Persentase / In Percentage)
(Dalam Jutaan Rupiah / In Million Rupiah)
Uraian / Description 2024 2023 2022
Uraian / Description 2024 2023 2022
Rasio Keuangan / Financial Ratio (%)
Neraca / Balance Sheet
Tingkat Pengembalian atas Aset / Return on Assests (ROA) 1,52 0,96 0,14
Total Aset / Total Assets 6.815.157 6.128.562 6.060.046
Tingkat Pengembalian atas Ekuitas / Return on Equity (ROE) 2,39 1,49 0,79
Kredit yang Diberikan / Loans 4.140.311 3.716.154 2.505.160
Laba Bersih Terhadap Pendapatan / Net Profit Margin 17,29 13,28 7,59
Cadangan Kerugian Penurunan Nilai (CKPN) /
(119.077) (166.948) (151.350)
Allowance for Impairment Losses Liabilitas Terhadap Ekuitas / Liabilities to Equity 97,12 81,40 81,86
Kredit yang Diberikan - Bersih / Loans - Net 4.021.234 3.549.206 2.353.810 Liabilitas Terhadap Total Aset / Liabilities to Assets 49,27 44,87 45,01
Dana Pihak Ketiga / Third Party Fund 3.102.706 2.700.802 2.372.540 Pendapatan Bunga Bersih (NIM) / Net Interest Margin (NIM) 4,63 4,58 3,30
• Giro / Current Accounts 481.456 349.408 283.551 Kredit terhadap Dana Pihak Ketiga (LDR) / Loan to Deposit Ratio (LDR) 133,44 137,59 105,59
• Tabungan / Saving Accounts 96.460 173.943 122.913
Rasio Kecukupan Likuiditas (LCR) / Liquidity Coverage Ratio (LCR) 1.526,15 3.387,40 941,47
• Deposito Berjangka / Time Deposits 2.524.789 2.177.451 1.966.075
Rasio Pendanaan Stabil Bersih (NFSR) / Net Stable Funding Ratio 215,52 215,72 307,57
• CASA / CASA 577.916 523.351 406.464
Rasio Biaya Terhadap Pendapatan (CIR) / Cost to Income Ratio (CIR) 44,03 39,14 67,96
Total Liabilitas / Total Liabilities 3.357.794 2.750.121 2.727.804
Rasio Kecukupan Modal (CAR) / Capital Adequacy Ratio (CAR) 88,58 92,54 127,42
Total Ekuitas / Total Equity 3.457.363 3.378.441 3.332.242
Beban Operasional Terhadap Pendapatan Opersional (BOPO) /
79,67 84,69 99,38
Total Liabilitas dan Ekuitas / Total Liabilities and Equity 6.815.157 6.128.562 6.060.046 Operating Expenses to Operating Income Ratio (BOPO)
Laba Rugi / Profit and Loss Kredit Bermasalah Terhadap Total Kredit-Bersih (NPL Gross) /
6,02 6,28 9,07
Non Performing Loans (NPL - Gross)
Pendapatan Bunga / Interest Income 430.199 355.025 213.371
Kredit Bermasalah Terhadap Total Kredit-Bersih (NPL Net) /
3,48 3,88 4,83
Beban Bunga / Interest Expenses (144.627) (100.382) (74.162) Non Performing Loan Net (NPL Net)
Pendapatan Bunga - Bersih / Interest Income - Net 285.572 254.643 139.210 Posisi Devisa Net (PDN) / Net Open Position (NOP) 0,18 0,24 1,05
Pendapatan Operasional Lainnya / Other Operating Income 25.411 12.635 5.157 Dana Murah terhadap Dana Pihak Ketiga /
18,63 19,38 17,13
Low Cost Funds to Third Party Funds
Pembentukan Cadangan Kerugian Penurunan Nilai /
(102.860) (117.882) (59.007)
Provision for Allowance of Impairment Losses Tingkat bunga efektif rata-rata - Giro Rupiah /
0,25 0,25 0,25
Average effective interest rate - Current Account Rupiah
Beban Operasional Lainnya / Other Operating Expenses (105.003) (89.282) (83.760)
Tingkat bunga efektif rata-rata - Giro US Dollar /
Beban Operasional Lainnya - Bersih / Other Operating Expenses - Net (182.452) (194.529) (137.610) 0,25 0,25 0,25
Average effective interest rate - Current Account US Dollar
Laba (Rugi) Operasional / Operating Income (Loss) 103.120 60.114 1.600 Tingkat bunga efektif rata-rata - Tabungan Rupiah /
1,49 1,49 1,25
Rupiah Average effective interest rate - Rupiah Savings
Laba (Rugi) Non Operasional / Non Operating Income (Loss) (1.805) (1.312) 5.261
Tingkat bunga efektif rata-rata - Deposito Berjangka Rupiah/
Laba (Rugi) Sebelum Pajak / Profit (Loss) Before Tax 101.315 58.802 6.861 4,64 4,03 3,14
Rupiah Average effective interest rate - Rupiah Time Deposits
Beban Pajak Penghasilan / Income Tax Expense (22.560) (9.971) 9.729 Tingkat bunga efektif rata-rata - Deposito Berjangka US Dollar/
3,96 3,55 1,13
US Dollar Average effective interest rate - US Dollar Time Deposit
Laba (Rugi) Bersih / Net Profit (Loss) 78.755 48.831 16.590
Jumlah Penghasilan (Rugi) Komprehensif Lain Tahun Berjalan Setelah Pajak / Suku Bunga Kredit Rupiah (rata-rata) / Credit Interest Rate in Rupiah (average) 9,78 9,46 9,89
67 882 (5)
Total Other Comprehensive Income (Loss) For The Year After Tax
Suku Bunga Kredit US Dollar (rata-rata) /
5,57 5,54 4,95
Jumlah Penghasilan (Rugi) Komprehensif Lain Tahun Berjalan / Credit Interest Rate in US Dollar (average)
78.822 49.713 16.584
Total Other Comprehensive Income (Loss) For The Year
Laba (Rugi) yang Dapat Diatribusikan Kepada: / Profit (Loss) allocate to:
• Pemilik Entitas Induk / Parent Entity 78.755 48.831 16.590
• Kepentingan Non-Pengendali / Non-Controlling Interest - - -
Total Laba (Rugi) Tahun Berjalan / Total Profit of the Year 78.755 48.831 16.590
Laba (Rugi) Komprehensif Lain yang Dapat Diatribusikan Kepada: /
Other Comprehensive Profit (Loss) Attributable to :
Pemilik Entitas Induk / Parent Entity 78.822 49.713 16.584
Kepentingan Non-Pengendali / Non-Controlling Interest - - -
Total Penghasilan Komprehensif Lain Tahun Berjalan /
78.822 49.713 16.584
Total Other Comprehensive Income For The Year
Laba (Rugi) Bersih per Saham Dasar / Earning Per Share 21,34 13,24 6,94
PT BANK OF INDIA INDONESIA Tbk PT BANK OF INDIA INDONESIA Tbk
10 Laporan Tahunan 2024 Annual Report 2024 11
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Kinerja 2024
2024 Performance
Laba Sebelum Pajak terhadap Rata-Rata Total Aset Laba Bersih terhadap Rata-Rata Modal Inti Total Aset Total Kredit
Return on Asset (ROA) Return on Equity (ROE) Total Assets Total Loans
2,39
6.815.157
1,52
6.060.046 6.128.562
1,49
4.140.311
0,96
0,79 3.716.154
0,14 2.505.160
2022 2023 2024 2022 2023 2024 2022 2023 2024 2022 2023 2024
Dalam persentase / In percentage (%) Dalam persentase / In percentage (%) Dalam Jutaan Rupiah / In Million Rupiah Dalam Jutaan Rupiah / In Million Rupiah
Rasio Pendapatan Bunga Bersih (NIM) Rasio Biaya terhadap Pendapatan (CIR) Dana Pihak Ketiga Pendapatan Bunga Bersih
Net Interest Margin Ratio (NIM) Cost to Income Ratio (CIR) Third Party Funds Net Interest Income
4,63 67,96
4,58
44,03 285.572
39,14 254.643
3,30
3.102.706
2.700.802 139.210
2.372.540
2022 2023 2024 2022 2023 2024 2022 2023 2024 2022 2023 2024
Dalam persentase / In percentage (%) Dalam persentase / In percentage (%) Dalam Jutaan Rupiah / In Million Rupiah Dalam Jutaan Rupiah / In Million Rupiah
Rasio Kecukupan Modal (CAR) Rasio Non Performing Loan (NPL) Total Modal Laba Setelah Pajak
Capital Adequacy Ratio (CAR) Non Performing Loan (NPL) Ratio Total Capital Profit After Tax
127,42 9,07
78.755
92,54
6,28
88,58 6,02 3.389.439
3.311.604 3.322.903 48.831
16.590
2022 2023 2024 2022 2023 2024 2022 2023 2024 2022 2023 2024
Dalam persentase / In percentage (%) Dalam persentase / In percentage (%) Dalam Jutaan Rupiah / In Million Rupiah Dalam Jutaan Rupiah / In Million Rupiah
PT BANK OF INDIA INDONESIA Tbk PT BANK OF INDIA INDONESIA Tbk
12 Laporan Tahunan 2024 Annual Report 2024 13
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Kinerja 2024
2024 Performance
IKHTISAR OPERASIONAL IKHTISAR SAHAM
FINANCIAL HIGHLIGHTS SHARES HIGHLIGHTS
Produk Simpanan Dalam Jutaan Rupiah Produk Kredit Dalam Jutaan Rupiah
Deposits Products In Million Rupiah Loans Products In Million Rupiah
Data Saham 2024 per Bulan dalam Rupiah
2024 Monthly Stock Data in Rupiah
Giro / Current Accounts Kredit Modal Kerja / Working Capital Loans
KAPITALISASI
BULAN KUARTAL TERTINGGI TERENDAH PENUTUPAN VOLUME CAPITALIZATION JUMLAH SAHAM BEREDAR
481.456 3.932.960 MONTH QUARTER HIGHEST LOWEST CLOSING VOLUME
( Miliar / Billion )
NUMBER OF OUTSTANDING SHARES
3.471.223
Januari / January 1.500 1.245 1.500 6,60 5.447,97 3.688.866.845
349.408
Februari / February I 1.900 1.550 1.750 3,40 6.390,96 3.688.866.845
Maret / March 3.080 1.700 3.080 34,90 11.248,09 3.688.866.845
2.320.639
283.551 April / April 3.100 3.080 3.100 3,60 11.321,13 3.688.866.845
Mei / May II - - 3.100 - 11.321,13 3.688.866.845
Juni / June - - 3.100 - 11.321,13 3.688.866.845
Juli / July 3.000 3.000 3.000 0,10 10.995,93 3.688.866.845
Agustus / August III - - 3.000 - 10.995,93 3.688.866.845
2022 2023 2024 2022 2023 2024
September / September 3.000 3.000 3.000 0,60 10.995,93 3.688.866.845
Oktober / October - - 3.000 - 10.995,93 3.688.866.845
Tabungan / Saving Accounts Kredit Investasi / Investment Loans
November / November IV - - 3.000 - 10.995,93 3.688.866.845
173.943 Desember / December 2.890 2.690 2.690 0,60 9.823,82 3.688.866.845
213.301
NILAI AKHIR
3.100 - 2.690
FINAL VALUE
122.913 179.651
96.460
149.920
Data Saham 2023 per Kuartal dalam Rupiah
2023 Quarter Stock Data in Rupiah
KAPITALISASI
BULAN KUARTAL TERTINGGI TERENDAH PENUTUPAN VOLUME CAPITALIZATION JUMLAH SAHAM BEREDAR
MONTH QUARTER HIGHEST LOWEST CLOSING VOLUME NUMBER OF OUTSTANDING SHARES
( Miliar / Billion )
Januari / January - - 1.750 - 3.252 2.388.861.478
Februari / February I - - 1.750 - 3.252 2.388.861.478
2022 2023 2024 2022 2023 2024
Maret / March - - 1.750 - 3.252 2.388.861.478
April / April - - 1.750 - 4.343 3.688.866.845
Mei / May II - - 1.750 - 4.328 3.688.866.845
Deposito Berjangka / Time Deposits Kredit Konsumsi / Consumer Loans
Juni / June - - 1.750 - 4.328 3.688.866.845
2.524.789
2.177.451 Juli / July - - 1.750 - 4.328 3.688.866.845
Agustus / August III - - 1.750 - 4.328 3.688.866.845
34.602 31.630
1.966.075
27.700 September / September - - 1.750 - 4.328 3.688.866.845
Oktober / October - - 1.750 - 4.328 3.688.866.845
November / November IV - - 1.185 - 4.328 3.688.866.845
Desember / December 1.245 - 1.245 65.928 4.547 3.688.866.845
NILAI AKHIR
1.245 - 1.245
FINAL VALUE
2022 2023 2024 2022 2023 2024
PT BANK OF INDIA INDONESIA Tbk PT BANK OF INDIA INDONESIA Tbk
14 Laporan Tahunan 2024 Annual Report 2024 15
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Kinerja 2024
2024 Performance
KOMPOSISI PEMEGANG SAHAM
SHAREHOLDERS COMPOSITION
AKSI KORPORASI
CORPORATE ACTION
Pelaksanaan Aksi Korporasi Implementation of Corporate Action
Sepanjang tahun 2024, Bank tidak melakukan aksi korporasi seperti Throughout 2024, the Bank did not carry out any corporate actions such
penyertaan modal, pemecahan saham (stock split), penggabungan as capital injection, stock split, reverse stock split, stock dividends, bonus
saham (reverse stock), dividen saham, saham bonus dan perubahan nilai shares, or changes in the nominal value of shares.
nominal saham.
Pencabutan Penghentian Sementara Perdagangan Efek Revocation of Temporary Suspension of Securities
Trading
Pada tanggal 12 Februari 2018, Bursa Efek Indonesia (BEI) melakukan On February 12, 2018, the Indonesia Stock Exchange (IDX) temporarily
suspensi sementara perdagangan efek Bank di Seluruh Pasar karena suspended the trading of the Bank’s securities in all markets due to
rencana Delisting Efek Perseroan. Namun, berdasarkan hasil Rapat the Company’s delisting plan. However, based on the results of the
Umum Pemegang Saham Luar Biasa (RUPSLB) tanggal 12 Desember Extraordinary General Meeting of Shareholders (EGMS) dated December
2023, Pemegang Saham Bank menyetujui pembatalan keputusan 12, 2023, the Bank’s Shareholders approved the cancellation of the EGMS
RUPSLB tanggal 26 Maret 2018 tentang Penghapusan Pencatatan atau decision dated March 26, 2018 regarding Delisting on the Indonesia
delisting di Bursa Efek Indonesia (BEI). Sehubungan dengan hal tersebut, Stock Exchange (IDX). Regarding with this, the Exchange revoked the
maka Bursa mencabut penghentian sementara perdagangan saham temporary suspension of trading in shares of PT Bank of India Indonesia
PT Bank of India Indonesia Tbk (BSWD) di Seluruh Pasar terhitung Tbk (BSWD) in all markets starting from the first trading session on
sejak Sesi I Perdagangan Efek hari Senin tanggal 18 Desember 2023. Monday, December 18, 2023. Information on the cancellation of the
Informasi pembatalan delisting tersebut tercatat di Bursa melalui Papan delisting was recorded on the Exchange through the Special Monitoring
Pemantauan Khusus No. Peng-UPT-00010/BEI. PP3/12-2023 dan dapat Board No. Peng-UPT-00010/BEI. PP3/12-2023 and can be accessed
diakses melalui situs web Bursa Efek Indonesia (www.idx.co.id). through the Indonesia Stock Exchange website (www.idx.co.id).
Pada tahun 2024, seluruh aktivitas perdagangan efek di Bursa Efek In 2024, all securities trading activities on the Indonesia Stock Exchange
Indonesia (BEI) berjalan sesuai dengan ketentuan yang berlaku. (IDX) were conducted in accordance with the applicable regulations.
PT BANK OF INDIA INDONESIA Tbk PT BANK OF INDIA INDONESIA Tbk
16 Laporan Tahunan 2024 Annual Report 2024 17
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02 LAPORAN MANAJEMEN MANAGEMENT'S REPORT
Page 12
Laporan Manajemen
Management’s Report
LAPORAN
DEWAN KOMISARIS
Board of Commissioners Report
SUDHIRANJAN
PADHI Pemegang Saham yang terhormat,
Mengawali laporan ini, izinkan kami menyampaikan rasa syukur
Esteemed Honourable Shareholders & Stakeholders,
First of all, we would love to expresses our gratitude to God
kepada Tuhan Yang Maha Esa atas limpahan karunia-Nya yang Almighty for His blessings, enabling the Bank to demonstrate a
KOMISARIS UTAMA telah memungkinkan Bank untuk mencatatkan capaian kinerja strong performance and resilience in the face of the dynamics
PRESIDENT COMMISSIONER yang baik serta menunjukkan ketahanan yang kuat di tengah to achieve solid performance and demonstrate strong resilience
segala dinamika industri perbankan sepanjang tahun 2024. amid the various dynamics of the banking industry throughout
2024.
Perekonomian global 2024 senantiasa diliputi ketidakpastian Uncertainty looms in global economic ecosystem of 2024,
terutama akibat krisis geopolitik berkepanjangan serta primarily due to prolonged geopolitical crises and the ongoing
berlanjutnya perang dagang Amerika Serikat – Tiongkok yang trade war between the United States and China, which led to
berimbas pada lonjakan harga komoditas, krisis energi, serta surging commodity prices, an energy crisis, volatile inflation and
volatilitas angka inflasi dan suku bunga. Laju pertumbuhan interest rates. US Economy has accounted growth by 2.5% in
ekonomi AS tercatat sebesar 2,5% pada tahun 2024, mengalami 2024, slowing down compared to 3.2% in 2023. The economy
pelemahan dibandingkan pertumbuhan 3,2% pada tahun 2023. was supported by increases in consumer spending, government
Angka tersebut ditopang oleh peningkatan belanja konsumen, expenditure, investment and exports. Meanwhile, Eurozone
belanja pemerintah, investasi, dan ekspor. Untuk zona Eropa, experienced economic impediment due to sluggish business
pertumbuhan tercatat melemah akibat investasi bisnis dan and industrial investment. As for China, the economic growth
industri yang lesu. Sementara laju pertumbuhan Tiongkok decelerated in 2024 due to weakened domestic consumption.
diperkirakan mengalami perlambatan pada tahun 2024 akibat Furthermore, the economic growth rate of emerging markets
konsumsi dalam negeri yang melemah. Lebih lanjut, untuk laju and developing economies (EMDEs) was estimated to exceed 3%
pertumbuhan ekonomi negara-negara berkembang (Emerging in 2024, driven by sustained expansion in the services sector.
Markets and Developing Economies/EMDE) diperkirakan
tumbuh di atas 3% pada tahun 2024, dengan didukung oleh
ekspansi yang berkesinambungan di sektor jasa.
Di tengah ketidakpastian perekonomian global, Indonesia terus Amid global economic uncertainty, Indonesia continued to
menunjukkan kinerja ekonomi yang solid sepanjang tahun 2024, demonstrate solid economic performance in 2024, with its Gross
dengan pertumbuhan Produk Domestik Bruto (PDB) yang tetap Domestic Product (GDP) growth maintained at 5.03%, relatively
terjaga di angka 5,03%, relatif stabil dibandingkan dengan tahun stable compared to 5.05% in 2023. Overall, domestic consumption
2023 sebesar 5,05%. Secara keseluruhan, konsumsi domestik remained strong despite pressures on the purchasing power
tetap tumbuh, meskipun daya beli masyarakat menengah ke of the lower-middle class. A conducive domestic investment
bawah mengalami tekanan. Iklim Investasi domestik yang cukup climate played a significant role in supporting economic
kondusif cukup berperan dalam mendukung aktivitas ekonomi, activities, particularly through the Government’s downstreaming
terutama dalam program hilirisasi pemerintah yang menarik measures, thus attracting capital inflows and opening up new
aliran modal ke dalam negeri serta membuka peluang baru bagi opportunities for the banking sector in credit distribution. Bank
sektor perbankan dalam penyaluran kredit. Pertumbuhan kredit credit growth remained strong, reaching 10.39% in 2024 (year
perbankan tetap kuat, mencapai 10,39% pada tahun 2024 (year on year/yoy).
on year/yoy).
Pelaksanaan Tugas Pengawasan 2024 dan Penilaian Implementation of the 2024 Supervisory Duties and the
Kinerja Direksi Board of Directors’ Performance Assessment
Dewan Komisaris telah menjalankan tugas pengawasannya The Board of Commissioners carried out its supervisory duties
dengan melakukan pemantauan terhadap arah strategis by monitoring the Bank’s strategic direction and financial
serta kinerja keuangan Bank sesuai dengan ketentuan yang performance in accordance with the provisions set forth in
diatur dalam Peraturan Otoritas Jasa Keuangan (OJK) No. 33/ the Financial Services Authority (OJK) Regulation No. 33/
POJK.04/2014 tentang Direksi dan Dewan Komisaris Emiten atau POJK.04/2014 concerning Directors and Board of Commissioners
Perusahaan Publik. of Issuers or Public Companies.
PT BANK OF INDIA INDONESIA Tbk PT BANK OF INDIA INDONESIA Tbk
20 Laporan Tahunan 2024 Annual Report 2024 21
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Laporan Manajemen
Management’s Report
Dewan Komisaris senantiasa melaksanakan fungsi pengawasan The Board of Commissioners consistently carried out its Pandangan atas Penerapan Tata Kelola Perusahaan Views on Good Corporate Governance Implementation
terhadap pengelolaan Bank yang dilakukan oleh Direksi. Dalam supervisory function over the Bank's management, which Bank berkomitmen untuk menerapkan prinsip-prinsip Tata The Bank committed to consistently implementing the principles
menjalankan fungsi pengawasan tersebut, Dewan Komisaris was conducted by the Board of Directors. In performing this Kelola Perusahaan yang baik (Good Corporate Governance/ of Good Corporate Governance (GCG). Such commitment served
didukung oleh komite-komite di bawahnya, seperti Komite supervisory role, the Board of Commissioners was supported by GCG) secara konsisten. Komitmen ini menjadi landasan utama as the foundation for maintaining the trust of Shareholders
Audit, Komite Remunerasi dan Nominasi, serta Komite Pemantau its committees, such as the Audit Committee, the Remuneration dalam menjaga kepercayaan Pemegang Saham dan Pemangku and Stakeholders. In line with OJK Regulation No. 17 year 2023
Risiko. Pengawasan dilakukan melalui penelaahan berkala atas and Nomination Committee, and the Risk Monitoring Committee. Kepentingan. Sejalan dengan Peraturan OJK No. 17 Tahun 2023 concerning the Implementation of Governance for Commercial
laporan keuangan serta keterlibatan secara terstruktur dengan Supervision was conducted through periodic reviews of financial tentang Penerapan Tata Kelola Bagi Bank Umum, Bank terus Banks, the Bank continues to foster a culture of ethical business
Direksi dalam rangka mengevaluasi arah strategis, tantangan reports and structured engagement with the Board of Directors mendorong budaya bisnis yang beretika, transparansi, serta conduct, transparency and accountability in order to ensure
operasional, pengelolaan risiko, dan berbagai aspek penting to evaluate the strategic direction, operational challenges, risk akuntabilitas guna memastikan tata kelola yang bertanggung responsible and sustainable governance.
lainnya dalam kegiatan usaha Bank. Dewan Komisaris juga management, and other critical aspects of the Bank's business jawab dan berkelanjutan.
memberikan arahan strategis serta rekomendasi kepada Direksi activities. The Board of Commissioners also provided strategic
terkait aspek kepatuhan, termasuk struktur tata kelola, proses, guidance and recommendations to the Board of Directors on Pada tahun 2024, Bank telah menyusun laporan self-assessment In 2024, the Bank conducted a self-assessment report on the
dan pencapaiannya. Selain itu, Dewan Komisaris turut melakukan compliance aspects, including governance structures, processes, atas implementasi nilai-nilai Tata Kelola Perusahaan yang baik implementation of Good Corporate Governance principles and
evaluasi atas kinerja keseluruhan Bank melalui penelaahan and achievements. Additionally, the Board of Commissioners dengan peringkat 2. Hal ini sekaligus menggambarkan posisi had achieved a rating of 2. This reflected the Bank’s management
laporan berkala yang disampaikan oleh masing-masing komite evaluated the overall performance of the Bank by reviewing manajemen Bank yang telah melakukan penerapan Tata Kelola position, which generally had implemented Good Corporate
tersebut. periodic reports that were submitted by each of these Perusahaan yang secara umum dinilai baik. Governance effectively.
committees.
Lebih lanjut, Dewan Komisaris secara cermat mengawasi kerangka Furthermore, the Board of Commissioners carefully supervised
Untuk tahun 2024, Dewan Komisaris menyampaikan apresiasi For 2024, the Board of Commissioners extended its highest kerja manajemen risiko Bank sebagai bagian dari penerapan the Bank’s risk management framework as part of Good
yang setinggi-tingginya kepada Direksi atas kepemimpinan dan appreciation to the Board of Directors for their governance and Tata Kelola Perusahaan yang baik, dengan fokus khusus pada Corporate Governance (GCG) implementation, with a particular
dedikasinya dalam menjaga ketahanan kinerja keuangan Bank dedication in maintaining the Bank's financial resilience in the risiko yang berkembang, seperti ancaman keamanan siber dan focus on emerging risks such as cybersecurity threats and global
di tengah tantangan dan dinamika sektor perbankan. Kredit midst of challenges and dynamics of the banking sector. Loans volatilitas ekonomi global. Dewan Komisaris senantiasa meyakini economic volatility. The Board of Commissioners firmly believed
yang disalurkan oleh Bank mengalami peningkatan dari Rp3.716 distributed by the Bank increased from Rp3,716 billion in 2023 bahwa pendekatan manajemen risiko yang solid akan dapat that a robust risk management approach would ensure the
miliar pada tahun 2023 menjadi Rp4.140 miliar pada tahun 2024 to Rp4,140 billion in 2024 and succeeded in keeping Loan at memastikan bahwa Bank tetap tangguh, seraya didukung oleh Bank’s resiliency, supported by adequate liquidity reserves and a
dan berhasil menekan rasio Loan at Risk (LAR) menjadi sebesar Risk Ratio to 12.38%, lower than last year's 13.66%. From the cadangan likuiditas yang memadai serta diversifikasi portofolio diversified credit portfolio to mitigate potential risks.
12,38% lebih rendah dari tahun sebelumnya sebesar 13,66%. perspective of fund collection, the Bank successfully recorded kredit untuk memitigasi potensi risiko.
Dari sisi penghimpunan dana, Bank berhasil mencatatkan Third Party Funds (DPK) in 2024 amounting to Rp3,103 billion,
Dana Pihak Ketiga (DPK) di tahun 2024 sebesar Rp3.103 miliar marking an increase from the previous year's figure of Rp2,701 Pengamatan atas Sistem Pelaporan Pelanggaran Observation of the Whistleblowing System
mengalami peningkatan dari tahun sebelumnya sebesar Rp2.701 billion. Furthermore, the Bank’s net profit in 2024 reached Rp79 Bank senantiasa berkomitmen untuk menerapkan tata kelola The Bank consistently committed to implementing good
miliar. Selain itu, laba bersih Bank pada tahun 2024 mencapai billion compared to the previous year of Rp49 billion. perusahaan yang baik dengan menyediakan sistem pelaporan corporate governance by providing a whistleblowing system that
Rp79 miliar dibandingkan pada tahun sebelumnya sebesar Rp49 pelanggaran (whistleblowing system) yang transparan, was transparent, independent, and reliable. This system was
miliar. independen, dan terpercaya. Sistem ini dirancang untuk designed to prevent and detect potential violations, including
mencegah serta mendeteksi potensi pelanggaran, termasuk indications of fraud, while also encouraging awareness and
Di tengah capaian yang cukup menggembirakan di tahun 2024, Along with the encouraging achievements in 2024, the Board indikasi fraud, sekaligus mendorong kesadaran dan kepedulian concern among all employees in building a culture of compliance.
Dewan Komisaris senantiasa mendorong upaya penguatan of Commissioners continued to encourage efforts to strengthen seluruh pegawai dalam membangun budaya kepatuhan. Bank The Bank ensured that every report received was followed up
manajemen risiko kredit, efisiensi operasional, serta aspek credit risk management, operational efficiency and prudential memastikan bahwa setiap laporan yang diterima ditindaklanjuti professionally and in accordance with applicable regulations.
kehati-hatian guna meningkatkan daya saing dan profitabilitas aspects to enhance the Bank’s competitiveness and profitability secara profesional dan sesuai dengan ketentuan yang berlaku. With a clear mechanism and protection for whistleblowers,
Bank di masa mendatang. Dewan Komisaris meyakini bahwa in the future. The Board of Commissioners believed that the Dengan mekanisme yang jelas serta perlindungan bagi the Bank strived to maintain integrity and enhance the trust of
capaian pada tahun 2024, akan dapat menjadi fondasi yang baik accomplishments in 2024 would serve as a solid foundation for pelapor, Bank berupaya menjaga integritas dan meningkatkan Shareholders and Stakeholders.
bagi pencapaian kinerja Bank yang berkesinambungan. the Bank’s sustainable performance. kepercayaan Pemegang Saham serta Pemangku Kepentingan.
Pandangan atas Prospek Usaha Bank yang Disusun oleh Outlook on the Bank’s Business Prospects by the Board Penilaian Kinerja Komite di Bawah Dewan Komisaris Performance Assessment on Committees Under the
Direksi of Directors Board of Commissioners
Dewan Komisaris selalu berkomunikasi dengan Direksi, khususnya The Board of Commissioners would maintain ongoing Fungsi pengawasan Dewan Komisaris didukung oleh sejumlah The supervisory function of the Board of Commissioners was
terkait penyusunan prospek usaha Bank. Secara spesifik, Dewan communication with the Board of Directors regarding the Bank’s komite, yaitu Komite Audit, Komite Pemantau Risiko dan Komite supported by several committees, namely the Audit Committee,
Komisaris memberikan rekomendasi terkait perbaikan, strategi business prospects. Specifically, the Board of Commissioners Remunerasi dan Nominasi. Setiap Komite telah menjalankan the Risk Monitoring Committee, and the Remuneration and
mitigasi risiko, serta berbagai strategi adaptif yang diperlukan would provide recommendations on improvements, risk tugasnya dengan baik pada tahun 2024 dalam mendukung Nomination Committee. Each Committee effectively carried
untuk memastikan pertumbuhan yang berkesinambungan. mitigation strategies, and various adaptive strategies required to penerapan Tata Kelola yang baik. out its duties in 2024 to support the implementation of good
ensure sustainable growth. governance.
Pertumbuhan ekonomi Indonesia pada tahun 2025 diperkirakan Indonesia’s economic growth in 2025 would comprise Komite Audit bertanggung jawab dalam mengawasi pelaporan The Audit Committee was responsible for overseeing financial
akan dipengaruhi oleh beberapa faktor kunci, termasuk several key factors, including monetary policy adjustments, keuangan, kepatuhan terhadap regulasi, serta pengendalian reporting, regulatory compliance, and internal control in
penyesuaian kebijakan moneter, upaya berkesinambungan continued efforts to maintain financial market stability, and the internal sesuai dengan ketentuan OJK dan anggaran dasar Bank. accordance with OJK regulations and the Bank's articles of
dalam menjaga stabilitas pasar keuangan, serta perkembangan development of digital banking infrastructure. In line with this, Komite Pemantau Risiko bertanggung jawab dalam memberikan association. The Risk Monitoring Committee was responsible
infrastruktur perbankan digital. Sejalan dengan hal tersebut, Bank Bank Indonesia would continue to promote the implementation informasi kepada Dewan Komisaris mengenai isu-isu manajemen for providing information to the Board of Commissioners
Indonesia terus mendorong implementasi Indonesia Payment of the Indonesia Payment Systems Blueprint 2025, which would risiko, evaluasi manajemen risiko, antisipasi risiko, serta sistem on risk management issues, risk management evaluation,
Systems Blueprint 2025 yang mencakup integrasi Open Banking, include the integration of Open Banking, Retail Payment Systems, pengendalian internal. Sementara Komite Remunerasi dan risk anticipation, and internal control systems. Meanwhile,
Sistem Pembayaran Ritel, dan Infrastruktur Pasar Keuangan guna and Financial Market Infrastructure to enhance accessibility and Nominasi bertugas memberikan arahan dan informasi kepada the Remuneration and Nomination Committee was tasked
meningkatkan aksesibilitas serta efisiensi. Ke depan, diharapkan efficiency. Moving forward, these digital initiatives would further Dewan Komisaris serta membantu dalam menjalankan fungsi, with providing direction and information to the Board of
inisiatif digital ini dapat lebih mendukung aktivitas ekonomi, support economic activities, particularly for Micro, Small, and tugas, wewenang, dan tanggung jawab terkait kebijakan Commissioners and assisting in the execution of functions,
terutama bagi Usaha Mikro, Kecil, dan Menengah (UMKM), serta Medium Enterprises (MSMEs), while strengthening the national nominasi serta remunerasi Bank. duties, authorities, and responsibilities related to the Bank's
memperkuat ekosistem keuangan nasional. financial ecosystem. nomination and remuneration policies.
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Dalam konteks pelaksanaan tugas tahun 2024, Dewan Komisaris For the year 2024, the Board of Commissioners greatly
tentunya mengapresiasi dedikasi serta kinerja masing-masing appreciated the dedication and performance of each committee,
komite yang telah menunjukkan komitmen tinggi terhadap which had demonstrated a strong commitment to the quality HANDADJAJA SULAIMAN SUDHIRANJAN PADHI LUNGGUK GULTOM
kualitas laporan dan rekomendasi yang disampaikan. Kontribusi of reports and recommendations submitted. The contributions Komisaris Independen Komisaris Utama Komisaris Independen
seluruh komite berperan penting dalam mendukung keberhasilan of all committees played a crucial role in supporting the Bank’s Independent Commissioner President Commissioner Independent Commissioner
Bank, terutama dalam mencapai kinerja yang baik. success, particularly in achieving strong performance.
Pengarahan Direksi oleh Dewan Komisaris Recommendations to the Board of Directors by the Board
of Commissioners
Dewan Komisaris secara aktif memberikan arahan kepada The Board of Commissioners actively provided recommendations
Direksi melalui pertemuan rutin, konsultasi langsung, serta to the Board of Directors through regular meetings, direct
kolaborasi yang berkelanjutan. Dalam menjalankan tanggung consultations, and ongoing collaboration. In carrying out its
jawabnya, Dewan Komisaris memberikan panduan strategis dan responsibilities, the Board of Commissioners offered strategic
wawasan yang berharga guna memastikan keselarasan dengan direction and valuable insights to ensure alignment with the
tujuan Bank. Selain melalui pertemuan resmi, Dewan Komisaris Bank’s objectives. In addition to formal meetings, the Board
juga menjaga komunikasi yang erat dengan Direksi melalui of Commissioners maintained close communication with the
berbagai platform digital, guna memastikan keterlibatan yang Board of Directors through multiple digital platforms to ensure
berkesinambungan serta pengambilan keputusan yang efektif. continuous engagement and effective decision-making.
Komposisi Dewan Komisaris Composition of the Board of Commissioners
Pada tahun 2024, tidak mengalami perubahan dalam komposisi In 2024, there were no changes in the composition of the Board
Dewan Komisaris. Susunan Dewan Komisaris adalah sebagai of Commissioners, as follows:
berikut:
Komisaris Utama : Sudhiranjan Padhi President Commissioner : Sudhiranjan Padhi
Komisaris Independen : Handadjaja Sulaiman Independent Commissioner : Handadjaja Sulaiman
Komisaris Independen : Lungguk Gultom Independent Commissioner : Lungguk Gultom
Apresiasi Appreciation
Dewan Komisaris menyampaikan rasa terima kasih yang The Board of Commissioners expressed their sincere gratitude
tulus kepada seluruh nasabah, mitra kerja, dan karyawan atas to all customers, business partners, and employees for the
kepercayaan serta dukungan yang terus diberikan kepada trust and support continuously given to the Bank. The loyalty
Bank. Loyalitas yang diberikan telah berperan besar dalam provided played a significant role in achieving the Bank's resilient
mewujudkan ketahanan kinerja Bank seperti saat ini. performance as it was.
Selain itu, kami menyampaikan apresiasi kepada regulator, Additionally, we expressed our appreciation to the regulators,
khususnya Bank Indonesia (BI) dan Otoritas Jasa Keuangan (OJK), particularly Bank Indonesia (BI) and the Financial Services
atas dukungan dan kerja sama yang terjalin dengan baik selama Authority (OJK), for the support and cooperation established,
ini, terutama dalam menghadapi berbagai ketidakpastian, especially in facing various uncertainties such as global economic
seperti dinamika ekonomi global, perubahan kebijakan regulasi, dynamics, regulatory policy changes, financial market volatility,
volatilitas pasar keuangan, serta perkembangan teknologi and the development of banking technology and digitalization,
dan digitalisasi perbankan, berperan penting dalam menjaga which played an important role in maintaining stability and
stabilitas serta memastikan kesinambungan pertumbuhan Bank. ensuring the continuity of the Bank's growth.
Ke depan, Bank berkomitmen untuk terus menjaga kepercayaan Looking ahead, the Bank committed to continuing to maintain
yang telah diberikan oleh para Pemegang Saham dan Pemangku the trust given by Shareholders and Stakeholders by consistently
Kepentingan dengan senantiasa fokus pada keunggulan layanan, focusing on service excellence, good governance, and
tata kelola yang baik, dan kepatuhan terhadap ketentuan compliance with applicable regulatory provisions and laws.
regulator dan perundang-undangan yang berlaku. Dewan The Board of Commissioners believed that with the existing
Komisaris meyakini bahwa dengan infrastruktur kepengurusan Bank management infrastructure, together we could build a
Bank yang ada, maka bersama-sama kita semua akan dapat trustworthy and resilient institution.
membangun institusi yang terpercaya serta tangguh.
Atas Nama Dewan Komisaris
On Behalf of Board of Commissioners
SUDHIRANJAN PADHI
Komisaris Utama
President Commissioner
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LAPORAN DIREKSI
Board of Directors Report
JAYAPRAKASH Kepada para Pemegang Saham
Kepentingan yang Terhormat,
dan Pemangku To Our Esteemed Shareholders and Stakeholders,
BHARATHAN Mengawali laporan ini, Direksi mengucapkan puji syukur
kepada Tuhan Yang Maha Esa atas limpahan rahmat-Nya
First and foremost, the Board of Directors expresses gratitude
to God Almighty for His abundant blessings, which enabled the
yang memungkinkan Bank menghadapi berbagai tantangan Bank to navigate various challenges and dynamics throughout
DIREKTUR UTAMA serta dinamika sepanjang tahun 2024, sembari mencatatkan 2024 while achieving positive performance.
PRESIDENT DIRECTOR
pencapaian yang positif.
Di tengah meningkatnya ketegangan geopolitik di berbagai Amid rising geopolitical tensions across various regions of the
belahan dunia, seperti konflik Rusia-Ukraina dan krisis Timur world, such as the Russia-Ukraine conflict and the Middle East
Tengah, kondisi perekonomian global mengalami volatilitas harga crisis, the global economy experienced high commodity price
komoditas yang tinggi dan senantiasa diliputi ketidakpastian. volatility and continued uncertainty. This situation was further
Situasi ini semakin diperburuk oleh berlanjutnya perang dagang exacerbated by the ongoing trade war, which put pressure on
yang memberikan tekanan pada kinerja ekspor. export performance.
Pertumbuhan ekonomi Amerika Serikat yang sempat menggeliat The United States economy, which had shown strong growth in
maju di semester pertama harus ditutup melemah dari 3,2% the first half of the year, weakened by the end of 2024, declining
pada 2023 menjadi 2,5% di penghujung tahun 2024. Di kawasan from 3.2% in 2023 to 2.5%. In the European region, economic
Eropa, pertumbuhan tetap tergolong lemah akibat iklim growth remained weak due to sluggish business investment,
investasi bisnis yang lesu dan aktivitas industri yang lemah, declining industrial activity, and pressure from high energy
serta mengalami tekanan dari tingginya harga energi. Sementara prices. Meanwhile, China experienced a structural slowdown in
untuk Tiongkok, pada tahun 2024 nampak tren perlambatan laju economic growth in 2024, driven by weak domestic consumption.
pertumbuhan ekonomi yang struktural akibat angka konsumsi
yang lemah.
Dari dalam negeri, ekonomi Indonesia sepanjang tahun 2024 Domestically, Indonesia’s economy grew by 5.03% in 2024, a
tumbuh sebesar 5,03%, relatif stabil meskipun melambat relatively stable figure despite slowing down from 5.05% in
dibanding capaian tahun 2023 yang mengalami pertumbuhan 2023. The synergy between the government’s fiscal policies and
sebesar 5,05%. Sinergi antara kebijakan fiskal Pemerintah dan Bank Indonesia’s monetary policies has consistently served as a
kebijakan moneter Bank Indonesia senantiasa menjadi pilar key pillar in sustaining economic growth above 5% since 2022.
utama dalam menopang pertumbuhan ekonomi di atas 5% Meanwhile, inflation was successfully controlled at 1.57%,
secara berkesinambungan sejak 2022. Sementara angka inflasi accompanied by exchange rate stability, which was also a crucial
berhasil ditekan di angka 1,57% yang juga diikuti dengan stabilitas factor in maintaining Indonesia’s economic momentum.
nilai tukar rupiah yang tentunya turut menjadi faktor pendukung
utama dalam mempertahankan momentum pertumbuhan
ekonomi nasional.
Sepanjang tahun 2024, sektor perbankan Indonesia kembali Throughout 2024, the Indonesian banking sector once again
menunjukkan resiliensi di tengah dinamika ekonomi domestik demonstrated resilience amid domestic economic dynamics
dengan berhasil mencatatkan peningkatan penyaluran kredit by successfully recording a 10.39% year-on-year (yoy) increase
sebesar 10,39% secara tahunan (year on year/yoy). Hal ini in credit distribution. This positive outcome was driven by
merupakan dampak positif dari kebijakan likuiditas yang liquidity policies implemented by Bank Indonesia, such as
diterapkan oleh Bank Indonesia, seperti Kebijakan Insentif the Macroprudential Liquidity Incentive Policy (KLM) and the
Likuiditas Makroprudensial (KLM) dan Penyangga Likuiditas Macroprudential Liquidity Buffer (PLM). The sustained stability
Makroprudensial (PLM). Stabilitas sistem keuangan yang of the financial system was also supported by strong capital
senantiasa terjaga juga didukung kecukupan permodalan yang adequacy and low credit risk. As of December 2024, the banking
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kuat dan risiko kredit bermasalah yang rendah. Rasio kecukupan sector's capital adequacy ratio stood at 26.69%, reflecting its mengembangkan berbagai produk perbankan inovatif dan the Bank had developed various innovative banking products
modal perbankan pada Desember 2024 tercatat sebesar 26,69% strong capacity to absorb risks and support credit growth. terintegrasi dengan Core Banking System yang lebih relevan. Hal that were fully integrated with a more advanced Core Banking
dan tergolong kuat dalam menyerap risiko serta mendukung Meanwhile, the non-performing loan (NPL) ratio remained low ini secara berkesinambungan terus dilakukan guna memperkuat System. These initiatives had been continuously implemented to
pertumbuhan kredit. Sementara itu, rasio kredit bermasalah at 2.08% (gross) and 0.74% (net) in December 2024. meningkatkan aspek keunggulan kompetitif baik di ranah digital strengthen the Bank’s competitive advantages in both digital and
perbankan pada Desember 2024 terjaga rendah, sebesar 2,08% maupun konvensional. conventional banking.
(bruto) dan 0,74% (neto).
Selain itu, Bank akan menerapkan sistem baru, termasuk Loan In addition, Bank would implement a new system, including
Kinerja Bank Bank Performance Origination System (LOS) dan Loan Channelling. Dengan LOS, a Loan Origination System (LOS) and Loan Channelling. With
Sejalan dengan ketahanan makroprudensial yang solid, Bank In line with solid macroprudential resilience, the Bank recorded proses pengajuan kredit akan disederhanakan, efisiensi penilaian LOS, the loan application process should be simplified, credit
mencatat peningkatan Pendapatan Bunga Bersih sebesar 12,15% an increase in Net Interest Income by 12.15% (yoy), from Rp255 kredit ditingkatkan, dan waktu persetujuan kredit dipersingkat. assessment efficiency could be improved, and loan approval
(yoy), dari Rp255 miliar pada tahun 2023 menjadi Rp286 miliar billion in 2023 to Rp286 billion in 2024, recording a Net Interest Hal ini memberikan debitur akses yang lebih mudah terhadap time should be shortened. This would provide debtors with
pada tahun 2024, dengan mencatatkan Net Interest Margin Margin (NIM) of 4.63% in 2024, higher than 4.58% in 2023. produk kredit yang sesuai dengan kebutuhan mereka, dengan easier access to credit products that suit their needs, with more
(NIM) sebesar 4,63% di tahun 2024, lebih besar dari tahun This positive achievement was supported by an increase in prosedur yang lebih transparan dan proses yang lebih cepat. transparent procedures and a faster process.
2023 sebesar 4,58%. Pencapaian positif ini didukung oleh loan disbursement, which grew by 11.41% (yoy), from Rp3,716
peningkatan penyaluran kredit yang tumbuh sebesar 11,41% billion in 2023 to Rp4,140 billion in 2024. The credit growth was Sementara itu, Loan Channelling akan memperluas akses bagi Meanwhile, Loan Channelling could expand the Bank’s access
(yoy), dari Rp3.716 miliar pada tahun 2023 menjadi Rp4.140 also accompanied by an increase in Third Party Funds (DPK) of Bank untuk memberikan pembiayaan kepada debitur melalui to provide financing to debtors through partnerships with third
miliar pada tahun 2024. Pertumbuhan kredit tersebut turut 14.88% (yoy), amounting to Rp3,103 billion in 2024, compared kemitraan dengan pihak ketiga, sehingga memungkinkan Bank parties, enabling the Bank to offer more affordable and easily
diimbangi oleh pertumbuhan Dana Pihak Ketiga (DPK) sebesar to Rp2,701 billion in the previous year. The Loan to Deposit Ratio menawarkan solusi pembiayaan yang lebih terjangkau dan accessible financing solutions to various market segments.
14,88% (yoy) atau sebesar Rp3.103 miliar pada tahun 2024 (LDR) stood at 133.44% in 2024, compared to 137.59% in 2023. mudah diakses oleh berbagai segmen pasar.
dari tahun sebelumnya sebesar Rp2.701 miliar. Di mana rasio These intermediary and efficiency performances contributed
Kredit terhadap Dana Pihak Ketiga (Loan to Deposit Ratio/LDR) to the achievement of a Net Profit for the Year of Rp79 billion Peran Direksi Dalam Perumusan Strategi dan Kebijakan The Board of Directors’ Role in Strategy and Policy
pada tahun 2024 tercatat sebesar 133,44%, sementara pada in 2024, reflecting a 61.28% (yoy) increase compared to Rp49 Formulation
tahun 2023 tercatat sebesar 137,59%. Kinerja intermediasi dan billion in 2023. The return on assets (ROA) and return on equity Direksi terus melakukan evaluasi mendalam terkait perumusan The Board of Directors conducted in-depth evaluations to ensure
efisiensi tersebut berkontribusi pada pencapaian Laba Bersih (ROE) also increased, reaching 1.52% and 2.39%, respectively, kebijakan maupun strategi bisnis guna memastikan setiap that all policies and business strategies remain aligned with
Tahun Berjalan sebesar Rp79 miliar pada tahun 2024, atau compared to the previous year at 0.96% and 1.49%. kebijakan yang diterapkan senantiasa selaras dengan target business targets, operational performance, and key performance
meningkat 61,28% (yoy) dibandingkan Rp49 miliar pada tahun bisnis, operasional, serta indikator kinerja utama yang relevan. indicators (KPI). Specifically, technology development and human
2023. Tingkat imbal hasil atas aset (ROA) dan imbal hasil atas Secara khusus, pengembangan teknologi informasi dan resource (HR) competency improvement remained top priorities
ekuitas (ROE) juga meningkat, masing-masing menjadi 1,52% peningkatan kompetensi sumber daya manusia (SDM) menjadi in formulating business strategies. At the same time, the Board
dan 2,39%, dibandingkan dengan tahun sebelumnya masing- prioritas utama dalam perumusan strategi bisnis. Bersamaan of Directors ensured that business expansion strategies remain in
masing sebesar 0,96% dan 1,49%. dengan hal tersebut, Direksi selalu memastikan bahwa strategi line with banking industry trends and regulatory requirements.
ekspansi Bank tetap sejalan dengan dinamika industri perbankan
Pada tahun 2024, Bank berhasil mengelola rasio kredit In 2024, the Bank gradually reduced Non-Performing Loan dan regulasi yang berlaku.
bermasalah (Non-Performing Loans/NPL) dengan lebih baik, (NPL) ratios more effectively, as reflected in the reduction of net
tercermin dari penurunan NPL net menjadi 3,48%, lebih rendah NPL to 3.48%, lower than the previous year's figure of 3.88%, Proses yang Dilakukan Direksi untuk Memastikan Processes Implemented by the Board of Directors to
dibandingkan tahun sebelumnya sebesar 3,88%. Kualitas respectively. The quality of fund allocation, particularly the quality Implementasi Strategi Bank Ensure Strategy Execution
penyediaan dana, khususnya kualitas aset kredit, tetap terjaga of credit assets, was maintained through the implementation Direksi secara konsisten memastikan implementasi strategi The Board of Directors consistently ensured the effective
melalui penerapan prinsip kehati-hatian dan tata kelola yang of prudent principles and good governance. Additionally, the bisnis Bank melalui komunikasi yang efektif dan menyeluruh execution of business strategies through comprehensive and
baik. Selain itu, Bank juga memastikan kecukupan pembentukan Bank ensured the adequacy of Allowance for Impairment Losses dengan setiap unit bisnis. Melalui pelaporan berkala yang structured communication with all business units. Regular
Cadangan Kerugian Penurunan Nilai (CKPN) secara optimal guna (CKPN) optimally to anticipate potential declines in the quality diterima oleh Direksi, maka dilakukan penilaian, evaluasi, dan reporting enabled the Board of Directors to evaluate, assess, and
mengantisipasi potensi penurunan kualitas aset kredit di masa of credit assets in the future, in line with the regulations set by penyesuaian berbagai inisiatif guna mencapai tujuan bisnis Bank adjust various strategic initiatives to achieve the Bank’s overall
mendatang, sejalan dengan ketentuan yang ditetapkan oleh the regulator. secara komprehensif. Proses evaluasi tersebut difokuskan pada business objectives. The evaluation process focused on key
regulator. berbagai aspek seperti pertumbuhan bisnis, manajemen risiko, aspects such as business growth, risk management, customer
umpan balik nasabah, kapabilitas digital, kualitas layanan, dan feedback, digital capabilities, service quality, and transaction
keamanan transaksi. security.
Keberhasilan pencapaian kinerja positif ini sekaligus Respectively. The success of achieving this positive performance
menegaskan komitmen Bank dalam melakukan perbaikan reaffirmed the Bank's commitment to structural improvements Sepanjang tahun 2024, Divisi Manajemen Risiko dan Kepatuhan Throughout 2024, the Risk Management and Compliance
struktural dan pelaksanaan tata kelola perusahaan yang lebih and better corporate governance implementation, making it a serta Satuan Kerja Audit Intern (SKAI) berperan aktif dalam Division and the Internal Audit Unit (SKAI) played an active role
baik, menjadikannya sebagai momentum untuk tumbuh secara momentum for sustainable growth. memantau operasional harian serta memberikan masukan in monitoring daily operations and providing recommendations
berkelanjutan. terkait risiko kredit dan operasional yang relevan guna on relevant credit and operational risks. This ensured that all
memastikan bahwa seluruh aspek krusial terkait implementasi crucial aspects of the Bank’s business strategy implementation
Strategi dan Kebijakan Strategis Strategic Policies and Initiatives strategi bisnis Bank telah dikelola dengan baik secara profesional. were professionally managed. The findings from these reviews
Dalam menghadapi perkembangan teknologi dan transformasi In response to rapid technological advancements and digital Hasil dari tinjauan ini digunakan sebagai dasar untuk tindakan served as the basis for corrective actions, ensuring compliance
digital, Bank terus melakukan modernisasi infrastruktur digital transformation, the Bank had continued to modernize its digital perbaikan guna memastikan kepatuhan terhadap batas risiko with risk limits while maintaining a focus on achieving strategic
guna meningkatkan kualitas layanan serta adaptif terhadap infrastructure to enhance service quality and to be adaptable yang ditetapkan, sekaligus tetap berfokus pada pencapaian business objectives.
perubahan gaya hidup nasabah. Untuk itu, Bank terus to everchanging customer lifestyles. To support this effort, tujuan strategis perusahaan.
PT BANK OF INDIA INDONESIA Tbk PT BANK OF INDIA INDONESIA Tbk
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Management’s Report
Perbandingan Antara Hasil yang Dicapai dengan yang Comparison Between Target and Realization dan pengembangan menjadi prioritas strategis. Dalam rangka a strategic priority. To enhance employee capabilities, the
Ditargetkan meningkatkan kapabilitas karyawan, Bank secara konsisten Bank consistently implemented human resource development
Secara umum, tahun 2024 merupakan tahun yang baik bagi In general, the year 2024 was a positive year for the Bank’s mengimplementasikan program pengembangan sumber daya programs involving relevant professionals, ensuring that all
pencatatan kinerja Bank baik secara finansial maupun non performance, both financially and non-financially. The Bank manusia yang melibatkan pihak profesional dan relevan, guna Bank personnel possessed skills aligned with developments in
finansial, di mana Bank berhasil mencatatkan laba bersih tahun successfully recorded a net profit for the year of Rp79 billion, memastikan seluruh insan Bank memiliki keterampilan yang the digital banking industry and could support the delivery of
berjalan sebesar Rp79 miliar dengan persentase pencapaian achieving 100.13% of the target set at Rp79 billion. In terms selaras dengan perkembangan industri perbankan digital dan competitive products and services.
sebesar 100,13% dari target yang telah ditetapkan Rp79 miliar. of other financial targets, there were some deviations within mampu mendukung penyediaan produk serta layanan yang
Dalam pencapaian target finansial lainnya masih terdapat a reasonable tolerance limit. However, the Bank’s key financial kompetitif.
beberapa deviasi dalam batas toleransi yang wajar, namun pos- indicators showed growth compared to the previous year,
pos keuangan utama Bank mengalami pertumbuhan dibanding including: total assets (11.20%), credit disbursement (11.41%), Prospek 2025 Outlook for 2025
tahun sebelumnya, antara lain: total aset (11,20%), penyaluran third-party funds (14.88%), profit before tax (72.30%), and total Untuk tahun 2025, Bank senantiasa tetap optimis namun juga For 2025, the Bank would remain optimistic while maintaining
kredit (11,41%), dana pihak ketiga (14,88%), laba sebelum pajak capital (2.00%). selalu mengedepankan prinsip kehati-hatian. Secara global, a prudent approach. Globally, several major challenges, such
(72,30%), dan total modal (2,00%). sejumlah tantangan utama seperti kemungkinan eskalasi perang as a potential escalation in the US-China trade war, geopolitical
dagang AS-Tiongkok, konflik geo-politik, tekanan inflasi, hingga conflicts, inflationary pressures, and supply chain disruptions,
Dari sisi non finansial, Bank telah memiliki layanan Internet On the non-financial side, the Bank had Internet Banking, Business risiko gangguan rantai pasokan dapat berdampak pada negara- may affect developing economies like Indonesia.
Banking, Internet Banking Bisnis, dan Mobile Banking yang Internet Banking, and Mobile Banking services equipped with negara berkembang seperti Indonesia.
dilengkapi fitur layanan transaksi BI-Fast dan pada layanan BI-Fast transaction features, and the Internet Banking Business
Internet Banking Bisnis telah dilengkapi juga dengan fitur service was also equipped with SKN/RTGS transfer features. To Selaras dengan proyesi pertumbuhan Produk Domestik In line with Indonesia’s projected Gross Domestic Product (GDP)
transfer SKN/RTGS. Untuk meningkatkan portofolio, Bank telah enhance its portfolio, the Bank launched new products such as Bruto Indonesia yang tetap tangguh berada di kisaran 5,0% growth of approximately 5.0% in 2025, it would be expected
meluncurkan produk baru berupa Kredit STAR Multiguna, STAR Multiguna Credit, Double STAR Deposit, and STAR Plan Term pada tahun 2025, maka diharapkan stabilitas makroekonomi that macroeconomic stability should create a favorable business
Deposito Double STAR, dan Tabungan Berjangka STAR Plan. Saving. Additionally, to improve customer service, the Bank had akan menciptakan lingkungan bisnis yang kondusif untuk environment for sustained growth.
Selain itu, untuk meningkatkan layanan kepada nasabah, Bank a Hotline contact center service called Hello BOII 150707 and pertumbuhan ke depan.
telah memiliki layanan Hotline contact center Hello BOII 150707 updated its website with a Chatbot TAARA service, which could
dan memperbaharui tampilan website yang dilengkapi dengan help provide simple answers to customer inquiries/complaints Bank optimis pertumbuhan ekonomi di Indonesia tahun The Bank would be optimistic that economic growth in Indonesia
layanan Chatbot Trustworthy And Responsive Assistance (TAARA) regarding the Bank's products/services. 2025 tetap menunjukan kinerja positif. Hal ini memberikan in 2025 would continue to show positive performance. This
yang dapat membantu memberikan jawaban sederhana terkait harapan baru sekaligus tantangan bagi dunia usaha dan tak would provide new hope as well as challenges for the business
dengan pertanyaan/pengaduan nasabah mengenai produk/ terkecuali di bidang industri Perbankan dalam menopang laju world, including the Banking industry, in supporting the pace of
layanan Bank. pertumbuhan ekonomi nasional untuk terus mempertahankan national economic growth to maintain and enhance its positive
dan meningkatkan kinerja positifnya di tengah ketidakpastian performance amid global uncertainties in 2025. In conducting its
Dengan dukungan transformasi digital dan permodalan yang With strong digital transformation initiatives and solid capital global di tahun 2025. Bank dalam menjalankan usahanya, akan business, the Bank would determine strategic steps to improve
kuat, Bank akan terus mengembangkan bisnis dan meningkatkan management, the Bank aimed to sustain business growth and menentukan langkah-langkah strategis dalam meningkatkan its financial performance, ensure regulatory compliance, and
kinerjanya secara prudent, sehingga ke depan semua target yang improve performance prudently, ensuring that all established kinerja keuangannya, memastikan kepatuhan terhadap regulasi strengthen risk management to maintain performance stability
telah ditetapkan dapat dicapai lebih baik lagi dan tumbuh secara targets could be met more effectively and sustainably in the serta memperkuat manajemen risiko untuk menjaga stabilitas while upholding principles of prudence and good governance.
berkelanjutan. future. kinerja dengan tetap mengedepankan prinsip kehati-hatian dan
tata kelola yang baik.
Kendala di 2024 Challenges in 2024
Seiring dengan percepatan transformasi digital di industri In line with the acceleration of digital transformation in the Adapun untuk meningkatkan pertumbuhan laba bersih tahun To enhance net profit growth in 2025, apart from focusing on
perbankan, ekspektasi nasabah terhadap layanan yang cepat, banking industry, customer expectations for fast, responsive, 2025, selain fokus dalam menyalurkan kredit prudent yang disbursing prudent credit targeted to grow by 20% (yoy), the
responsif, dan inovatif semakin meningkat. Menyikapi hal and innovative services had increased. Responding to this, the ditargetkan tumbuh sebesar 20% (yoy), Bank akan meningkatkan Bank would increase the portion of low-cost funds to 30%
tersebut, Bank terus melakukan penyesuaian dan inovasi Bank continuously made adjustments and innovations through porsi dana murah menjadi sebesar 30% dari total dana pihak of total third-party funds (DPK). To support this, the Bank
melalui pengembangan infrastruktur digital serta peningkatan the development of digital infrastructure and the improvement ketiga (DPK). Untuk medukung hal ini, Bank akan memaksimalkan would maximize e-channel services such as Internet Banking,
kompetensi sumber daya manusia guna memastikan keunggulan of human resource competencies to ensure sustained service layanan e-channel seperti Internet Banking, Internet Banking Business Internet Banking, and Mobile Banking, which were
layanan secara berkelanjutan. Tantangan utama yang dihadapi excellence. The main challenges faced by the Bank throughout Bisnis dan Mobile Banking, yang telah diluncurkan di tahun launched in 2024 and equipped with BI-Fast transfer services.
Bank sepanjang tahun 2024 mencakup kesiapan sistem teknologi 2024 included the readiness of information technology systems, 2024 dan dilengkapi dengan layanan transfer BI Fast. Selain itu, Additionally, SKN/RTGS transfer features would also be available
informasi, integrasi layanan digital, serta adaptasi internal dalam the integration of digital services, and internal adaptation in fitur transfer SKN/RTGS juga telah tersedia pada menu layanan in the Business Internet Banking services menu. These e-channel
menghadapi perubahan lanskap digital yang dinamis. addressing the dynamic changes in the digital landscape. Internet Banking Bisnis. Layanan e-channel ini diharapkan services would be expected to boost the growth of low-cost
mampu mendongkrak pertumbuhan dana murah. Bank juga funds. The Bank would also introduce the Quick Response
Sebagai langkah strategis dalam menghadapi tantangan tersebut, As a strategic measure to address these challenges, the Bank akan memperkenalkan layanan Quick Response Code Indonesian Code Indonesian Standard (QRIS) service to improve customer
Bank secara bertahap melakukan evaluasi dan penyempurnaan gradually conducted evaluations and improvements to its Standard (QRIS) untuk meningkatkan layanan transaksi nasabah transaction services that are faster, safer, and more reliable.
terhadap infrastruktur operasional, termasuk integrasi sistem operational infrastructure, including the integration of digital yang lebih cepat, aman dan terpercaya.
digital yang mendukung pengembangan produk dan layanan systems that support the development of technology-based
berbasis teknologi sesuai dengan kebutuhan nasabah. Bank products and services tailored to customer needs. The Bank Bank senantiasa menjalankan strategi bisnis yang bersifat The Bank consistently implemented preventive business
juga menyadari bahwa kesiapan sumber daya manusia also recognized that human resource readiness was a key preventif, dengan memperkuat struktur permodalan dan strategies by strengthening the capital structure and ensuring
merupakan faktor kunci dalam mendukung transformasi ini, factor in supporting this transformation, making competency memastikan likuiditas yang memadai. Selain itu, Bank terus adequate liquidity. Additionally, the Bank continuously prepared
sehingga penguatan kompetensi melalui program pelatihan improvement through training and development programs mempersiapkan langkah-langkah adaptif untuk memanfaatkan adaptive measures to take advantage of various opportunities
PT BANK OF INDIA INDONESIA Tbk PT BANK OF INDIA INDONESIA Tbk
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Management’s Report
berbagai peluang dalam ekosistem bisnis perbankan yang in the dynamic banking business ecosystem. The development Sehingga komposisi Direksi Bank per 31 Desember 2024 adalah Thus, the composition of the Bank’s Board of Directors as of
dinamis. Pengembangan kapasitas Sumber Daya Manusia (SDM), of Human Resources (HR) capacity, information technology, sebagai berikut: December 31, 2024 was as follows:
teknologi informasi dan portofolio produk dan layanan jasa and the Bank's product and service portfolio was continuously
Bank terus dilakukan untuk memberikan layanan unggulan yang carried out to provide excellent services based on the principles Direktur Utama : Jayaprakash Bharathan President Director : Jayaprakash Bharathan
berlandaskan prinsip kehati-hatian dan tata kelola perusahaan of prudence and corporate governance, thereby improving value Direktur Operasional : Carolina Dina Rusdiana Operation Director : Carolina Dina Rusdiana
yang sehingga dapat meningkatkan nilai bagi Pemangku for Stakeholders. Direktur Kepatuhan : Dennis Kusuma Halim Compliance Director : Dennis Kusuma Halim
Kepentingan. Direktur Bisnis : Chandra Sekhar Mukherjee Business Director : Chandra Sekhar Mukherjee
Direktur Keuangan : Rahmat Hendratama*) Finance Director : Rahmat Hendratama*)
Dalam jangka panjang, berbagai faktor seperti perkembangan In the long term, various factors such as the development of
*) Efektif menjabat sebagai Direktur Keuangan pada tanggal 17 Maret *) Effective as Finance Director as of March 17, 2025, pursuant to OJK
arus urbanisasi, diversifikasi segmen nasabah, serta tingkat urbanization trends, diversification of customer segments, and 2025 sesuai surat keputusan OJK No. KEPR-4/PB.02/2025. Decree No. KEPR-4/PB.02/2025.
penetrasi perbankan yang masih rendah di Indonesia the still-low banking penetration rate in Indonesia are expected
diperkirakan akan terus mendorong peningkatan permintaan to continue driving increased demand for banking services. The
terhadap layanan perbankan. Bank tetap optimis terhadap Bank remains optimistic about the prospects of the banking Apresiasi Appreciation
prospek industri perbankan di Indonesia dan berkomitmen industry in Indonesia and would be committed to continue Setelah menutup tahun ini dengan pencapaian yang solid, Bank As the year came to a close with solid achievements, the Bank
untuk terus bertumbuh secara berkelanjutan bersama nasabah. growing sustainably alongside its customers. berkomitmen untuk mempertahankan posisi yang kuat dalam remained committed to maintain a strong position in addressing
menghadapi berbagai tantangan di masa yang akan datang. future challenges. The dynamic economic landscape, both
Tata Kelola Perusahaan Good Corporate Governance Dinamika ekonomi, baik di tingkat global maupun domestik, globally and domestically, demanded readiness and adaptability
Bank berkomitmen untuk menerapkan prinsip Tata Kelola The Bank is committed to implementing the principles of Good tentunya menuntut kesiapan dan kemampuan untuk dapat terus to navigate potential obstacles.
Perusahaan yang Baik guna mendukung pertumbuhan Corporate Governance to support sustainable growth and beradaptasi dengan kendala yang ada.
berkesinambungan serta meningkatkan kepercayaan dari enhance the trust of Shareholders and Stakeholders. Through
para Pemegang Saham dan Pemangku Kepentingan. Melalui consistent governance practices, the Bank strives to create Direksi meyakini bahwa di balik setiap tantangan terdapat The Board of Directors firmly believed that every challenge
penerapan tata kelola yang konsisten, Bank berupaya a transparent and professional business environment while peluang untuk mendorong pertumbuhan bisnis, inovasi, dan presented an opportunity to drive business growth, innovation,
menciptakan lingkungan bisnis yang transparan dan profesional strengthening its competitiveness in the banking industry. kolaborasi. Dengan strategi yang tepat serta dukungan dari and collaboration. With the right strategy and the support of all
serta meningkatkan daya saing di industri perbankan. seluruh pemangku kepentingan, Bank dapat secara optimis terus Stakeholders, the Bank was confident in its ability to continue
berkembang dan memberikan nilai tambah bagi nasabah. growing and delivering value to customers.
Sebagai bagian dari komitmen tersebut, Bank telah mengangkat As part of this commitment, the Bank has appointed a Finance
Direktur Keuangan dalam jajaran Direksi. Keputusan ini diambil Director to the Board of Directors. This decision was made to Direksi menyampaikan terima kasih yang mendalam kepada The Board of Directors extended its deepest gratitude to
untuk mengoptimalkan pengelolaan keuangan dan perencanaan optimize financial management and strategic planning in order Dewan Komisaris atas bimbingan, nasihat, dan dukungan luar the Board of Commissioners for their guidance, advice, and
strategis guna mendukung stabilitas, efisiensi, serta pertumbuhan to support stability, efficiency, and sustainable business growth. biasa sepanjang tahun 2024. Masukan serta arahan dari Dewan unwavering support throughout 2024. The insight and direction
bisnis yang berkesinambungan. Komisaris memiliki peran penting dalam menentukan strategi provided by the Board of Commissioners played a crucial role in
Bank dan berkontribusi signifikan terhadap pencapaian kinerja shaping the Bank’s strategy and contributed significantly to its
Komposisi Direksi Composition of The Board of Directors strong performance.
Bank yang baik.
Bank mengalami perubahan komposisi Direksi sesuai keputusan The Bank underwent changes in the composition of its Board of
hasil Rapat Umum Pemegang Saham yang telah dilaksanakan Directors following the resolutions of the General Meeting of On this occasion, the Board of Directors would also like to express
Pada kesempatan yang baik ini, Direksi juga menyampaikan
di tahun 2024. Berdasarkan hasil keputusan Rapat Umum Shareholders held in 2024. Based on the resolution of the Annual its highest appreciation to customers, regulators, employees, and
apresiasi yang sebesar-besarnya kepada para nasabah, regulator,
Pemegang Saham Tahunan (RUPST) yang dilaksanakan pada General Meeting of Shareholders (AGMS) on 27 June 2024, there Shareholders for their trust and support. Through collaboration
seluruh karyawan, dan Pemegang Saham atas kepercayaan
tanggal 27 Juni 2024 terdapat perubahan komposisi Direksi was a change in the Board of Directors' composition, where the and shared commitment, the Bank has successfully achieved
serta dukungan yang telah diberikan. Berkat kolaborasi dan
di mana Direktur Utama yang sebelumnya dijabat oleh Bapak position of President Director, which had previously been held by strong performance throughout the year.
komitmen semua pihak, Bank berhasil mencapai kinerja yang
RM Raharjo Satrio Unggul digantikan oleh Bapak Jayaprakash Mr. RM Raharjo Satrio Unggul, was replaced by Mr. Jayaprakash
baik sepanjang tahun ini.
Bharathan yang sebelumnya menjabat sebagai Wakil Direktur Bharathan, who had previously served as Vice President Director.
Utama. Dengan dukungan yang berkesinambungan, Direksi senantiasa With continued support, the Board of Directors remained
meyakini bahwa Bank akan terus berkembang dan memberikan confident that the Bank would continue to grow and create added
Kemudian, berdasarkan hasil keputusan Rapat Umum Pemegang Furthermore, based on the resolution of the Extraordinary value for all Stakeholders. Through innovation, cooperation,
nilai tambah bagi para Pemangku Kepentingan. Melalui
Saham Luar Biasa (RUPSLB) yang dilaksanakan pada tanggal 27 General Meeting of Shareholders (EGMS) on 27 December and strategic execution, the Bank would be well-positioned to
inovasi, kerja sama, dan strategi yang tepat, Bank akan mampu
Desember 2024 terdapat perubahan komposisi Direksi dengan 2024, there was an additional change in the Board of Directors' overcome future challenges while sustaining long-term growth.
menghadapi tantangan di masa depan serta mempertahankan
penambahan jabatan baru yaitu Direktur Keuangan yang dijabat composition with the introduction of a new position, Finance
pertumbuhan yang berkesinambungan.
oleh Bapak Rahmat Hendratama dan perubahan nomenklatur Director, which was held by Mr. Rahmat Hendratama.
jabatan Direktur Perseroan yang semula Direktur Kredit dan Additionally, the nomenclature of one of the Company's Director Atas Nama Direksi
positions was changed from Director of Credit and International
On Behalf of Board of Directors
International Banking menjadi Direktur Bisnis.
Banking to Business Director.
Komposisi anggota Direksi dan/atau Dewan Komisaris yang The composition of members of the Board of Directors and/
terakhir dan sebelumnya berdasarkan hasil keputusan Rapat or Board of Commissioners, both the latest and the previous,
Umum Pemegang Saham (RUPS) di atas dapat dilihat pada point as determined by the resolutions of the General Meeting of
1.b halaman 9 Laporan Keuangan yang telah diaudit. Shareholders (GMS), can be found in point 1.b on page 9 of the JAYAPRAKASH BHARATHAN
audited Financial Statements. Direktur Utama
President Director
PT BANK OF INDIA INDONESIA Tbk PT BANK OF INDIA INDONESIA Tbk
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03 PROFIL BANK BANK PROFILE
Page 20
Profil Bank
Bank Profile
PROFIL BANK
BANK’S PROFILE
VISI DAN MISI
Nama / Name PT Bank of India Indonesia Tbk VISION AND MISSION
Kantor Pusat / Head Office Jl. K.H. Samanhudi No. 37 Jakarta - 10710, Indonesia
Telp. : (+62 21) 3500 007 (hunting)
Fax : (+62 21) 3808 178, 3500 007 Ext. 6
SWIFT BIC : BKIDIDJA
Hotline Contact Center : Hello BOII 150707
E-mail : corporate@boiindonesia.co.id
VISI
Website : www.boiindonesia.co.id
Bidang Usaha / Line of Business Layanan Perbankan / Banking Service
VISION
Tanggal Didirikan / Date of Establishment 28 September 1968 / September 28, 1968
Notaris / Notarial Deeds Njoo Sioe Liep, S.H.,Akta Notaris No. 20, Pengesahan dari
Menteri Kehakiman Republik Indonesia melalui Surat
Keputusan No. Y.A.5/35/8 tanggal 3 Februari 1975 serta
diumumkan dalam Berita Negara Republik Indonesia No.
19 tanggal 5 Maret 1976, Tambahan No. 162.
Njoo Sioe Liep, S.H., Notary Deed No. 20, Ratification Menjadi Bank berstandar internasional yang aman dan terpercaya
from the Minister of Justice of the Republic of Indonesia
through Decree No. Y.A.5/35/8 dated February 3, 1975 dalam memenuhi kebutuhan nasabah.
and announced in the State Gazette of the Republic of To become an international standard Bank that is safe and reliable
Indonesia No. 19 dated March 5, 1976, Supplement No.
162.
in meeting customer needs.
MISI
Modal Dasar / Authorized Capital Rp2.200 miliar / Rp2.200 billion
Bursa Efek / Stock Exchange Bursa Efek Jakarta / Indonesian Stock Exchange
Tanggal Pencatatan / Listing Date 1 Mei 2002 / May 1, 2002
MISSION
Harga / Price Rp200
Kode Saham / Ticker Code BSWD
Underwriter / Underwriter PT Adimitra Jasa Korpora Rukan Kirana
Boutique Office
Jl. Kirana Avenue III Blok F3 No. 5
Kelapa Gading Jakarta Utara, 14250 Indonesia
Menyediakan layanan unggulan yang berfokus pada prinsip
kehati-hatian Bank dan tata kelola perusahaan yang baik untuk
Harga per Saham posisi 31 Desember 2024 / Rp2.690/saham / Rp2,690/stock
meningkatkan nilai bagi para Pemangku Kepentingan.
Stock Price as on December 31, 2024 Providing excellent services that focus on the Bank’s prudent principles
Kode Saham / Ticker Code BSWD and good corporate governance to enhance value for Stakeholders.
Underwriter / Underwriter PT Adimitra Jasa Korpora Rukan Kirana
Boutique Office
Jl. Kirana Avenue III Blok F3 No. 5
Kelapa Gading Jakarta Utara, 14250 Indonesia
Hubungan Investor / Investor Relation PT Bank of India Indonesia Tbk
Sekretaris Perusahaan / Corporate Secretary Carolina Dina Rusdiana*)
Jl. K.H. Samanhudi No. 37
Jakarta - 10710, Indonesia
Telp. : (+62 21) 3500 007 (hunting)
Fax : (+62 21) 3808 178
*) juga menjabat sebagai Direktur Operasional
*) also served as Operational Director
PT BANK OF INDIA INDONESIA Tbk PT BANK OF INDIA INDONESIA Tbk
36 Laporan Tahunan 2024 Annual Report 2024 37
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Profil Bank
Bank Profile
SEKILAS PERUSAHAAN
COMPANY AT A GLANCE
PT Bank of India Indonesia Tbk (“Bank”) merupakan anak PT Bank of India Indonesia Tbk (“Bank”) is a subsidiary of Bank Kemudian di tahun 2023, Bank juga telah melakukan Penawaran Then in 2023, the Bank also conducted a Limited Public Offering
perusahaan dari Bank of India (Bank milik Pemerintah India) yang of India (a Bank owned by the Government of India) which was Umum Terbatas V (PUT V) dengan surat pernyataan efektif dari V with an effective statement letter from OJK No. S-86/D.04/2023
sebelumnya bernama Bank Pasar Swadesi didirikan berdasarkan previously called Bank Pasar Swadesi, established based on OJK No. S-86/D.04/2023 tanggal 30 Maret 2023. Hal ini dalam dated March 30, 2023. This was in the context of Capital Increase
Akta Notaris No. 20 tanggal 28 September 1968 dari Njoo Sioe Notarial Deed No. 20 dated September 28, 1968 from Njoo rangka Penambahan Modal dengan memberikan Hak Memesan with Pre-emptive Rights V of 2,388,861,478 shares with an
Liep, S.H., Notaris di Surabaya. Akta pendirian ini telah mendapat Sioe Liep, S.H., Notary in Surabaya. This deed of establishment Efek Terlebih Dahulu V (PMHMETD V) sebanyak 2.388.861.478 exercise price of Rp1,000 per share with a nominal value of
pengesahan dari Menteri Kehakiman Republik Indonesia melalui has been approved by the Minister of Justice of the Republic of lembar saham dengan harga pelaksanaan HMETD sebesar Rp200 per share.
Surat Keputusan No. Y.A.5/35/8 tanggal 3 Februari 1975 serta Indonesia through Decree No. Y.A.5/35/8 dated February 3, 1975 Rp1.000 per saham dengan nilai nominal sebesar Rp200 per
diumumkan dalam Berita Negara Republik Indonesia No. 19 and published in the State Gazette of the Republic of Indonesia saham.
tanggal 5 Maret 1976, Tambahan No. 162. No. 19 dated March 5, 1976, Supplement No. 162.
Dengan demikian jumlah saham yang telah diterbitkan oleh PT Accordingly, the total number of shares that have been issued
Bank mendapat izin usaha sebagai Bank Umum dari Menteri The Bank obtained a business license as a Commercial Bank from Bank of India Indonesia Tbk sampai dengan berakhirnya PUT V by PT Bank of India Indonesia Tbk upon the completion of this
Keuangan Republik Indonesia dengan Surat Keputusannya the Minister of Finance of the Republic of Indonesia with Decree ini menjadi 3.688.866.845. Sesuai dengan Peraturan Pemerintah PUT V amounts to 3,688,866,845 shares. In accordance with
No. 906/KMK.013/1989 tanggal 16 Agustus 1989 dan berganti No. 906/ KMK.013/1989 dated August 16, 1989, and changed No. 29 Tahun 1999 tentang Pembelian Saham Bank Umum yang Government Regulation No. 29 of 1999 regarding the Purchase of
nama dari PT Bank Pasar Swadesi menjadi PT Bank Swadesi Tbk. its name from PT Bank Pasar Swadesi to PT Bank Swadesi Tbk. antara lain menerapkan bahwa saham Bank hanya boleh tercatat Shares of Commercial Banks which, among others, implements
Berdasarkan Surat Keputusan Direksi Bank Indonesia No. 27/68/ Based on the Decision Letter of the Board of Directors of Bank di Bursa Efek sebanyak banyaknya 99%, maka total saham yang that the Bank’s shares may only be listed on the Stock Exchange
KEP/DIR tanggal 12 Oktober 1994, Bank memperoleh izin untuk Indonesia No. 27/68/KEP/DIR dated October 12, 1994, the Bank dicatatkan di PT Bursa Efek Indonesia adalah 3.651.978.177 as much as 99%, the total shares listed on the Indonesia Stock
melakukan kegiatan usaha sebagai Bank Devisa. obtained permission to conduct Foreign Exchange Banking saham. Exchange are 3,651,978,177 shares.
Activities.
Seluruh dana hasil PMHMETD IV dan V ini, setelah dikurangi The entire funds obtained from the Pre-emptive Rights IV and V,
Pada tanggal 22 Juni 2007, Bank of India resmi mengambil alih On June 22, 2007, Bank of India officially acquired 235,600,000 biaya-biaya emisi, seluruhnya dipergunakan oleh Bank after deducting issuance costs, utilized by the Bank to enhance
saham Bank Swadesi sebanyak 235.600.000 lembar saham shares or 76.00% of the shares of Bank Swadesi. Consequently, untuk meningkatkan aset produktif antara lain dengan cara productive assets, including increasing loans and investments in
atau sebesar 76,00%. Dengan demikian, secara resmi Bank of Bank of India officially became the majority shareholder and meningkatkan penyaluran kredit dan penempatan pada surat government securities.
India telah menjadi Pemegang Saham Mayoritas dan sebagai the Controlling Shareholder of Bank Swadesi. In line with the berharga pemerintah.
Pemegang Saham Pengendali (PSP) dari Bank Swadesi. Sejalan majority share acquisition, based on the Governor of Bank
dengan pengambilalihan mayoritas saham tersebut, berdasarkan Indonesia’s Decree No. 13/91A/KEP. GBI/2011 dated November Sesuai dengan pasal 3 Anggaran Dasar Bank, ruang lingkup In accordance with Article 3 of the Bank’s Articles of Association,
Surat Keputusan Gubernur Bank Indonesia No. 13/91A/KEP. 17, 2011, Bank Swadesi officially changed its name to PT Bank of kegiatan Bank adalah menjalankan kegiatan yang berhubungan the scope of the Bank’s activities involves engaging in banking-
GBI/2011 tanggal 17 November 2011, Bank Swadesi telah resmi India Indonesia Tbk. dengan perbankan. related activities.
berubah nama menjadi PT Bank of India Indonesia Tbk.
Kantor pusat Bank berlokasi di Jalan K.H. Samanhudi No. 37 The Bank’s head office is located at Jalan K.H. Samanhudi No.
Bank of India selaku Pemegang Saham Pengendali (PSP) dari Bank Bank of India, as the Controlling Shareholder of Bank of India Jakarta Pusat. Bank Mempunyai 8 Kantor Cabang, 6 Kantor 37, Central Jakarta. The Bank has 8 Branch Offices, 6 Sub-Branch
of India Indonesia telah melakukan dana setoran modal secara Indonesia, has made gradual capital injections. This includes Cabang Pembantu, 2 Kantor Kas dan 1 Kantor Pusat Non- Offices, 2 Cash Offices and 1 Non-Operational Head Office, where
bertahap yaitu sebesar Rp1 triliun pada tanggal 31 Desember an injection of Rp1 trillion on December 31, 2021, and another Operasional, di mana Jaringan Kantor Bank tersebar di wilayah the Bank’s Office Network is spread across Jakarta, Surabaya,
2021 dan sebesar Rp1,3 triliun pada tanggal 30 November 2022 injection of Rp1.3 trillion on November 30, 2022, to fulfill the Jakarta, Surabaya, Bandung, Medan, Denpasar dan Makassar. Bandung, Medan, Denpasar and Makassar.
dalam rangka memenuhi ketentuan Modal Inti minimum sebagai minimum Core Capital requirements as stipulated in Financial
mana diatur pada Peraturan OJK No. 12/POJK.03/2020 tentang Services Authority Regulation No. 12/POJK.03/2020 regarding Dengan berpedoman pada visi dan misi, Bank Berkomitmen Guided by the vision and mission, the Bank is committed to
Konsolidasi Bank Umum, di mana Bank wajib memenuhi Modal the Consolidation of Commercial Banks. According to this untuk memberikan layanan terbaik kepada Nasabah dengan providing the best service to customers by providing excellent
Inti Minimum yang ditetapkan secara bertahap oleh OJK paling regulation, Bank is required to meet the gradually set minimum menyediakan layanan unggulan yang berfokus pada prinsip services that focus on the Bank’s prudent principles and Good
sedikit Rp3 triliun pada tahun 2022. Sehubungan dengan hal Core Capital of at least Rp3 trillion by the year 2022. In connection kehati-hatian Bank dan Tata Kelola Perusahaan yang Baik Corporate Governance to increase value for Stakeholders in
tersebut, Bank telah melaksanakan proses penambahan modal with this, the Bank has implemented a capital increase process untuk meningkatkan nilai bagi para Pemangku Kepentingan order to become an international standard bank that is safe and
dengan memberikan Hak Memesan Efek Terlebih Dahulu IV dan by issuing Pre-emptive Rights IV and V through Limited Public agar menjadi Bank berstandar internasional yang aman dan reliable in meeting customer needs.
V (PMHMETD IV dan V) melalui Penawaran Umum Terbatas IV Offerings IV and V. terpercaya dalam memenuhi kebutuhan nasabah.
dan V (PUT IV dan V).
Informasi lainnya terkait Bank termasuk informasi jaringan Other information related to the Bank, including office network
Berdasarkan surat pernyataan efektif dari OJK dengan surat Based on the effective statement letter from the Financial kantor dapat diakses dengan mudah oleh masyarakat melalui information, can be easily accessed by the public through the
No. S-178/D.04/2022 tanggal 19 Agustus 2022, Bank telah Services Authority with letter No. S-178/D.04/2022 dated August situs web resmi (www.boiindonesia.co.id). official website (www.boiindonesia.co.id).
melakukan Penawaran Umum Terbatas IV (PUT IV) dalam rangka 19, 2022, the Bank has conducted the Limited Public Offering IV
Penambahan Modal dengan memberikan Hak Memesan Efek in the context of Capital Increase by granting Pre-emptive Rights
Terlebih Dahulu IV (PMHMETD IV) sebanyak 1.388.800.000 IV amounting to 1,388,800,000 shares at an exercise price of
lembar saham dengan harga pelaksanaan HMETD sebesar Rp1,000 per share with a nominal value of Rp200 per share.
Rp1.000 per saham dengan nilai nominal sebesar Rp200 per
saham.
Total keseluruhan saham yang telah diterbitkan dalam PUT IV The total number of shares that have been issued in the Bank’s
Bank adalah sebanyak 1.000.061.478 saham dengan nomor Limited Public Offering IV is 1,000,061,478 shares with share
saham 1.388.800.001 s/d 2.388.861.478. Dengan demikian numbers 1,388,800,001 to 2,388,861,478. Thus the number of
jumlah saham yang telah diterbitkan oleh Bank sampai dengan shares issued by the Bank until the end of Limited Public Offering
berakhirnya PUT IV menjadi 2.388.861.478 saham. Sesuai dengan IV is 2,388,861,478 shares. In accordance with Government
Peraturan Pemerintah No.29 Tahun 1999 tentang Pembelian Regulation No.29 of 1999 concerning the Purchase of Shares
Saham Bank Umum yang antara lain menerapkan bahwa Bank of Commercial Bank which, among others, implements that
hanya boleh tercatat di Bursa Efek sebanyak-banyaknya 99%, Bank may only be listed on the Stock Exchange at a maximum
maka total saham yang dicatatkan di PT Bursa Efek Indonesia of 99%, the total shares listed on PT Bursa Efek Indonesia is
adalah sejumlah 2.364.972.863 saham. 2,364,972,863 shares.
PT BANK OF INDIA INDONESIA Tbk PT BANK OF INDIA INDONESIA Tbk
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Profil Bank
Bank Profile
BUDAYA BANK
BANK’S CULTURE
Dengan didasari oleh nilai visi dan misi, Bank menciptakan Based on the values of vision and mission, the Bank created Penuh Pengertian dan Selalu Memberikan Solusi Understanding and Always Providing Solutions
beberapa nilai budaya dengan tujuan memberdayakan various cultural values with the purpose of empowering a (Accomodative) (Accomodative)
lingkungan kerja yang kondusif dan Keberlanjutan serta conducive and sustainable work environment and prioritizing Selain itu, sebagai seorang STAR juga harus mengedepankan nilai Additionally, as a STAR, one must uphold the value of
mengedepankan kenyamanan Nasabah. Adapun nilai-nilai customer convenience. The main values applied by the Bank in Accomodative yang senantiasa untuk membantu pihak lain yang Accommodative, always being ready to assist those in need.
utama yang diterapkan oleh Bank dalam membangun budaya building the Bank’s culture are as follows: membutuhkan bantuan. Tanpa terkecuali, seorang STAR dalam Without exception, a STAR who embodies the Accommodative
Bank yaitu sebagai berikut: nilai Accomodative juga senantiasa memberikan alternatif solusi value should consistently provide alternative solutions to others
kepada orang lain dan menciptakan suasana yang harmonis. and foster a harmonious environment.
Bijaksana dan Penuh Kehati-Hatian (Sensible) Thoughtful and Prudent (Sensible)
Secara Sensible, sebagai individu yang memegang prinsip STAR Sensibly, an individual who adheres to the STAR principles must Bertindak Cepat dan Benar (Responsive) Quick and Correct Action (Responsive)
harus senantiasa penuh pertimbangan dalam melakukan sesuatu always act with careful consideration and avoid being reckless or Beranjak dari ketiga nilai tersebut, seorang STAR mampu From those three values, a STAR is able to show the Responsive
dan tidak sembarangan atau nekat. Selain itu, individu tersebut impulsive. Additionally, such individuals tend to be disciplined, menunjukkan nilai Responsive di dalam pekerjaannya yang value in their work, such as being responsive, fast and thorough
cenderung disiplin, terorganisasi dan memiliki keinginan untuk well-organized, and have a strong desire to achieve goals or senantiasa tanggap, cepat dan tuntas dalam menindaklanjuti in completing a task. Although the task must be completed
mencapai suatu tujuan atau prestasi. Mereka juga harus accomplishments. They must also remain consistently focused suatu pekerjaan. Meskipun pekerjaan harus cepat diselesaikan, immediately, a STAR should work efficiently and effectively, and
senantiasa fokus menyelesaikan tugas dan bersedia membantu on completing tasks and be willing to assist their colleagues. namun tidak lepas dari bekerja secara efisien dan efektif dan also work properly, accurately and correctly.
rekan kerja. begitu juga bekerja secara tepat, terukur dan benar.
Dapat Dipercaya dan Diandalkan (Trustworthy) Dependable and Reliable (Trustworthy)
Merupakan nilai yang menunjukkan kepercayaan dan dapat Trustworthy, is a value that shows trustworthiness and reliability
diandalkan dalam hal bekerja. Oleh karena itu, seorang in the workplace. Therefore, a STAR is always honest and can be
STAR senantiasa jujur dan dapat dipercaya orang lain dalam trusted by others in completing the tasks and responsibilities that
menyelesaikan tugas dan tanggung jawab yang telah diberikan. have been given. It is also important to have the competence
Tidak lepas dari itu untuk memiliki kompetensi dan kemampuan and the ability to complete the task.
dalam menyelesaikan pekerjaan.
Sensible Trusthworhty Accommodative Responsive
Bijaksana dan Penuh Kehati-Hatian Dapat Dipercaya dan Diandalkan Penuh Pengertian dan Selalu Memberikan Solusi Bertindak Cepat dan Benar
PT BANK OF INDIA INDONESIA Tbk PT BANK OF INDIA INDONESIA Tbk
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Profil Bank
Bank Profile
JEJAK LANGKAH
MILESTONES
2010 Bank Swadesi memperluas jaringan kantor kembali dengan membuka kantor cabang di Medan, Sumatera Utara.
Bank Swadesi expanded its office network by opening another branch office in Medan, North Sumatera.
1968 PT Bank of India Indonesia Tbk berawal dari Bank Pasar di Surabaya dengan nama Bank Pasar Swadesi.
PT Bank of India Indonesia Tbk started as a Rural Bank in Surabaya named Bank Pasar Swadesi.
Peresmian penggunaan nama dan logo baru dari PT Bank Swadesi Tbk menjadi PT Bank of India Indonesia
Tbk dengan hasil keputusan rapat Perubahan Anggaran Dasar yang tertuang pada Akta No. 69. Bank
Swadesi memperluas jaringan kantor kembali dengan membuka dua kantor cabang yakni di Bandung dan
2011 Makassar.
Inauguration of the name and logo of PT Bank Swadesi into the PT Bank of India Indonesia Tbk in
Bank Pasar Swadesi memperoleh izin dari Menteri Keuangan Republik Indonesia untuk beroperasi sebagai accordance to the Articles of Association Meeting Resolution declared in Deeds Number 69. Bank Swadesi
1989 Bank Umum. Berganti nama menjadi Bank Swadesi.
Bank Swadesi obtained a permit from the Ministry of Finance of the Republic of Indonesia to operate as a
expanded its office network by opening two other branch offices in Bandung and Makassar.
commercial Bank. It changed its name into Bank Swadesi.
Pada tahun 2012, jaringan kantor PT Bank of India Indonesia Tbk terdiri dari 8 Kantor Cabang, 5 Kantor
2012 Cabang Pembantu dan 6 Kantor Kas.
In 2012, PT Bank of India Indonesia Tbk’s office network consists of 8 Branch Offices, 5 Sub-Branch Offices
Seiring dengan upaya memenuhi kebutuhan dan juga perkembangan transaksi nasabah, maka Bank Swadesi and 6 Cash Offices.
1994 meningkatkan statusnya menjadi Bank Devisa.
In line with its effort to fulfill customer transaction needs and development, Bank Swadesi upgraded its
status into a Foreign Exchange Bank.
Diadakan Rapat Umum Pemegang Saham Luar Biasa (RUPSLB) yang menyetujui Penawaran Umum
Terbatas II dalam Rangka Memesan Efek Terlebih Dahulu sebanyak 173,6 juta saham biasa atas nama
dengan total nilai nominal Rp486.080 juta. Tetapi Penawaran Terbatas II tersebut komposisi saham Bank
Kantor pusat pindah dari Surabaya ke Jakarta dalam rangka pengembangan bisnis dan jaringan pemasaran of India tetap 76%.
1995 yang lebih cepat dan luas.
The headquarter relocated from Surabaya to Jakarta for further business expansion as well as faster and
Extraordinary General Meeting of Shareholders was organized to approve Right Issue (II) with Pre-emptive
rights for 173.6 million regular shares with a total par value of Rp486.080 million. However, Right Issue (II)
broader marketing network. did not change shareholders composition of Bank of India which remained 76%.
2014 Bank memperluas jaringan kantor dengan membuka jaringan Kantor Cabang Pembantu di MD Place,
Kuningan Jakarta Selatan dan menutup 3 Kantor Kas. Sehingga pada tahun 2014, Bank memiliki jaringan
kantor PT Bank of India Indonesia Tbk yang terdiri dari 8 Kantor Cabang, 6 Kantor Cabang Pembantu dan
3 Kantor Kas.
Bank Swadesi menjalin aliansi strategis dengan Bank of India berupa pengambilalihan saham sebanyak The Bank expanded its office network by opening a network of Sub-Branch Offices in MD Place, Kuningan,
235.600.000 lembar saham, atau yang mewakili 76% dari keseluruhan saham Bank Swadesi. Dengan South Jakarta and closing 3 Cash Offices. So that in 2014, the Bank has an office network of PT Bank of
demikian, secara resmi Bank of India telah menjadi pemegang saham mayoritas dan mengambil alih
2007 pengendalian Bank Swadesi.
Bank Swadesi entered into a strategic alliance with Bank of India by acquiring 235,600,000 shares or
India Indonesia Tbk which consists of 8 Branch Offices, 6 Sub-Branch Offices and 3 Cash Offices.
representing 76% of total shares of Bank Swadesi. Therefore, Bank of India officially became majority
shareholders and taking ownership of Bank Swadesi.
Perubahan susunan Dewan Komisaris dan Direksi Bank yang telah resmi ditunjuk melalui RUPS LB pada
28 Agustus 2015 serta lulus Fit and Proper Test dari Otoritas Jasa Keuangan yaitu Bapak Sindbad R.
Hardjodipuro sebagai Direktur Utama, Bapak Gopinathan Ekamurthy sebagai Wakil Direktur Utama, Bapak
Diadakan Rapat Umum Pemegang Saham Luar Biasa (RUPSLB) yang menyetujui Penawaran Terbatas I dalam Prashant Thapliyal sebagai Direktur Kredit dan International Banking, serta Bapak R.A. Sankara Narayanan
rangka Memesan Efek Terlebih Dahulu sebanyak 558 juta saham biasa atas nama dengan total nilai nominal
Rp139.500 juta. Tetapi Penawaran Terbatas I tersebut tidak mengubah komposisi saham Bank of India, yaitu 2015 sebagai Komisaris Utama namun beliau melaksanakan Fit and Proper Test pada awal Tahun 2016.
2008 tetap 76%.
Extraordinary General Meeting of Shareholders to approve 1st Limited Public Offering with Pre-emptive
Changes to Board of Commissioners and Board of Director’s composition who have been officially
appointed in EGMS on August 28, 2015 and passed Fit and Proper Test from Financial Service Authority,
Mr. Sindbad R. Hardjodipuro as President Director, Mr. Gopinathan Ekamurthy as Vice President Director,
Rights for 558 million regular shares with total par value Rp139,500 million. However, the 1st Limited Mr. Prashant Thapliyal as Credit and International Banking Director, as well as Mr. R.A. Sankara Narayanan
Offering did not change shareholders composition of bank of India that remained 76%. as President Commissioner, although he has not conducted Fit and Proper Test until beginning of 2016.
Bapak R.A. Sankara Narayanan resmi menjadi Komisaris Utama PT Bank of India Indonesia Tbk dan Bapak
2009 Bank Swadesi memperluas jaringan kantor dengan membuka kantor cabang di Denpasar, Bali.
Bank Swadesi expanded its office network by opening a branch office in Denpasar, Bali. 2016 Prashant Thapliyal sebagai Direktur Kredit dan International Banking.
Mr. R.A. Sankara Narayanan officially became the President Commissioner of PT Bank of India Indonesia Tbk
dan Mr. Prashant Thapliyal officially became the Credit and International Banking Director.
PT BANK OF INDIA INDONESIA Tbk PT BANK OF INDIA INDONESIA Tbk
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Profil Bank
Bank Profile
* Pada tahun 2022, Bank telah melaksanakan Penawaran Umum Terbatas IV (PUT IV) dengan memberikan
Bapak RM Raharjo Satrio Unggul resmi menjadi Komisaris Independen PT Bank of India Indonesia Tbk. Hak Memesan Efek Terlebih Dahulu (PMHMETD) untuk memenuhi ketentuan Modal Inti Minimum.
2017 Mr. RM Raharjo Satrio Unggul officially became the President Independent Commissioners of PT Bank of
India Indonesia Tbk.
In 2022, the Bank carried out a Limited Public Offering IV (PUT IV) by providing Preemptive Rights
(HMETD) to meet the Minimum Core Capital requirements.
* Bank telah melakukan “Kick off – New Core Banking System” pada tanggal 22 November 2022;
The Bank conducted “Kick off - New Core Banking System” on November 22, 2022;
* Penambahan jaringan mesin ATM di Kantor Kas Gandhi Memorial Intercontinental School yang mulai
Bapak Prashant Thapliyal resmi menjadi Wakil Direktur Utama sekaligus merangkap sebagai Direktur Kredit
2022 beroperasi tanggal 5 Desember 2022.
Addition of ATM machine network at the Cash Office of Gandhi Memorial Intercontinental School which
2018 dan International Banking PT Bank of India Indonesia Tbk.
Mr. Prashant Thapliyal officially became the Vice President Director of PT Bank of India Indonesia Tbk aswell
commenced operations on December 5, 2022.
as the Credit and International Banking Director of PT Bank of India Indonesia Tbk. * Bank telah melakukan kerja sama dengan PT Asuransi Central Asia (ACA) pada tanggal 15 Desember
2022 dan PT Asuransi Reliance Indonesia (Reliance Indonesia) pada tanggal 27 Desember 2022 untuk
kerjasama Bancassurance model referensi.
The Bank has gone live with PT Asuransi Central Asia (ACA) on December 15, 2022
and PT Asuransi Reliance Indonesia (Reliance Indonesia) on December 27, 2022 for
Bapak Raj Kumar Mitra resmi ditunjuk sebagai Komisaris Utama melalui Rapat Umum Pemegang Saham Bancassurance cooperation reference model.
tanggal 22 Oktober 2019 dan berlaku efektif setelah mendapat persetujuan dari Otoritas Jasa Keuangan
2019 (OJK) dan/atau Institusi lainnya.
Mr. Raj Kumar Mitra was officially appointed as President Commissioner through the Extraordinary General * Pada tahun 2023, Bank telah melaksanakan Penawaran Umum Terbatas V (PUT V) dengan memberikan
Meeting of Shareholders on October 22, 2019 and is effective after obtaining approval from the Financial Hak Memesan Efek Terlebih Dahulu (PMHMETD) untuk memenuhi ketentuan Modal Inti Minimum.
Services Authority (OJK) and/or other institutions. In 2023, the Bank carried out a Limited Public Offering IV (PUT IV) by providing Preemptive Rights
(HMETD) to meet the Minimum Core Capital requirements.
* Perubahan susunan Dewan Komisaris melalui Rapat Umum Pemegang Saham Tahunan tanggal 27 Juni
2023, menyetujui pengunduran diri Bapak Sanjeev Bhalla dari jabatannya sebagai Komisaris Bank
Perubahan susunan Dewan Komisaris melalui Rapat Umum Pemegang Saham Luar Biasa tanggal 9 November 2023 terhitung sejak Rapat ditutup.
The reorganization of the Board of Commissioners through the Extraordinary General Meeting of
2020, memberhentikan dengan hormat Bapak Raj Kumar Mitra sebagai Komisaris Utama PT Bank of India
Shareholders on June 27, 2023, approved the resignation of Mr. Sanjeev Bhalla from his position as the
2020 Indonesia Tbk.
Changes in the composition of the Board of Commissioners in the Extraordinary General Meeting
Bank’s Commissioner, effective immediately after the meeting was concluded.
of Shareholders dated November 9, 2020, respectfully dismissed Mr. Raj Kumar Mitra as President * Bank secara resmi telah “live” Migrasi Core Banking System (CBS) dari sistem lama ke sistem baru pada
Commissioner of PT Bank of India Indonesia Tbk. tanggal 17 Juli 2023.
The Bank officially went “live” with the Core Banking System (CBS) migration from the old system to the
new system on July 17, 2023.
Bank melepaskan seluruh saham milik Bank of India sebesar 76% namun belum ada investor yang * Berakhirnya masa tugas Bapak RM Raharjo Satrio Unggul sebagai Direktur Utama untuk periode tahun
berkomitmen penuh untuk membeli seluruh saham Bank of India dan perubahan susunan anggota Direksi 2021-2024 dan mengangkat Bapak Jayaprakash Bharathan yang sebelumnya menjabat sebagai Wakil
2021 dan Dewan Komisaris melalui Rapat Umum Pemegang Saham (RUPS) di tahun 2021:
The Bank disposed of all 76% of Bank of India’s shares but no investor has fully committed to purchase all of
Direktur Utama menjadi Direktur Utama berdasarkan hasil Keputusan Rapat Umum Pemegang Saham
Tahunan pada tanggal 27 Juni 2024.
Bank of India’s shares and changes in the composition of the Board of Directors and Board of Commissioners The end of Mr. RM Raharjo Satrio Unggul’s tenure as President Director for the 2021–2024 period and
through the General Meeting of Shareholders (GMS) in 2021: the appointment of Mr. Jayaprakash Bharathan, who previously served as Deputy President Director, as
President Director based on the resolution of the Annual General Meeting of Shareholders on June 27,
2024.
* Bank menghadirkan berbagai layanan dan inovasi baru, termasuk produk pinjaman STAR Multiguna pada
19 Maret 2024, hotline layanan 24/7 Hello BOII 150707 pada 22 Maret 2024, pembaruan tampilan situs
* Mengangkat Bapak Sudhiranjan Padhi sebagai Komisaris Utama; web Bank pada 25 Maret 2024 dan produk Deposito Double STAR pada 29 April 2024. Selain itu, Bank
Appointed Mr. Sudhiranjan Padhi as President Commissioner; meluncurkan layanan digital Mobile Banking, Internet Banking, dan Internet Banking Bisnis pada 11
* Mengangkat Bapak Jayaprakash Bharathan sebagai Wakil Direktur Utama; September 2024, diikuti oleh Tabungan Berjangka STAR Plan pada 1 November 2024. Layanan transaksi
Appointed Mr. Jayaprakash Bharathan as Vice President Director; juga diperluas dengan pengiriman uang melalui BI-Fast pada 25 November 2024 dan fitur transfer SKN/
* Berakhirnya masa tugas Bapak Sindbad Rijadi Hardjodipuro sebagai Direktur RTGS di Internet Banking Bisnis pada 24 Desember 2024.
2024
Utama untuk periode tahun 2018-2021; The Bank introduced various new services and innovations, including the STAR Multiguna loan product
2021 The end of Mr. Sindbad Rijadi Hardjodipuro’s term of office as President
Director for the period 2018-2021;
on March 19, 2024, the 24/7 Hello BOII 150707 hotline on March 22, 2024, an updated website interface
on March 25, 2024 and Double STAR Deposit products on April 29, 2024. Additionally, the Bank launched
* Mengangkat Bapak Sanjeev Bhalla sebagai Komisaris; Mobile Banking, Internet Banking, and Business Internet Banking on September 11, 2024, followed by
Appointed Mr. Sanjeev Bhalla as Commissioner; the STAR Plan Savings on November 1, 2024. Transaction services were also expanded with BI-Fast
* Mengangkat Bapak RM Raharjo Satrio Unggul sebagai Direktur Utama; money transfers on November 25, 2024, and the SKN/RTGS transfer feature in Business Internet Banking
Appointed Mr. RM Raharjo Satrio Unggul as President Director; on December 24, 2024.
* Mengangkat Bapak Lungguk Gultom sebagai Komisaris Independen.
Appointed Mr Lungguk Gultom as Independent Commissioner. * Berdasarkan hasil Rapat Umum Pemegang Saham Luar Biasa tanggal 27 Desember 2024, Bapak Rahmat
Hendratama resmi ditunjuk sebagai Direktur Keuangan dan efektif menjabat sebagai Direktur Keuangan
pada tanggal 17 Maret 2025 sesuai surat keputusan OJK No. KEPR-4/PB.02/2025 serta perubahan
nomenklatur jabatan Direktur Bank yang semula bernama Direktur Kredit dan International Banking
menjadi Direktur Bisnis.
Based on the results of the Extraordinary General Meeting of Shareholders held on December 27,
2024, Mr. Rahmat Hendratama was officially appointed as Finance Director and assumed the position
effectively on March 17, 2025, in accordance with OJK Decree No. KEPR-4/PB.02/2025, along with the
change in the nomenclature of the Bank Director position from Credit and International Banking Director
to Business Director.
PT BANK OF INDIA INDONESIA Tbk PT BANK OF INDIA INDONESIA Tbk
44 Laporan Tahunan 2024 Annual Report 2024 45
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Profil Bank
Bank Profile
b. Tabungan Suka-Suka b. Suka-Suka Saving Account
PRODUK DAN LAYANAN JASA BANK Tabungan Suka-Suka merupakan tabungan Suka-Suka Saving Account is an individual savings
BANK’S PRODUCTS AND SERVICES
perorangan yang disegmentasikan khusus untuk segmented specifically for Bank employees. This
karyawan Bank. Tabungan ini dalam mata uang savings account is in Rupiah and has a small
Bank meyakini kualitas layanan merupakan aspek utama The Bank believes that service quality is a key aspect Rupiah dengan setoran awal yang kecil sebesar initial deposit. With only Rp10,000, can register
dalam keberlangsungan sebuah Bank. Untuk itu, Bank in the sustainability of a Bank. To that end, the Bank is Rp10.000 sudah dapat membuka rekening Tabungan Suka-Suka account at PT Bank of India
senantiasa memperhatikan kepuasan nasabah terhadap always concerned with customer satisfaction with the Tabungan Suka-Suka di PT Bank of India Indonesia Indonesia Tbk. Account transaction history can
pelayanan Bank, yang diyakini akan meningkatkan loyalitas Bank’s services, which is believed to increase customer Tbk. Mutasi rekening dapat dicetak melalui buku be printed via a passbook and is also integrated
nasabah, sekaligus memperluas customer base. Bank juga loyalty, as well as to expand customer base. The Bank tabungan/passbook serta telah terintegrasi with Mobile Banking and Internet Banking for
secara berkala melakukan evaluasi dan penyempurnaan also periodically conducted ongoing evaluations and melalui Mobile Banking dan Internet Banking easy access by customers.
secara bertahan untuk terus meningkatkan kualitas improvements to continuously improve service quality. yang mudah diakses oleh Nasabah.
layanan. Bank melakukan optimalisasi pemenuhan Bank optimized the fulfillment of people’s needs through
kebutuhan masyarakat melalui beragam layanan jasa dan various services and products designed based on c. Tabunganku c. Tabunganku
produk-produk yang dirancang berdasarkan kebutuhan customers’ needs. Products and services offered by Bank Keistimewaan produk Tabunganku ini adalah The specialty of Tabunganku is free of
nasabah. Produk dan jasa yang ditawarkan oleh Bank include: bebas biaya administrasi, ditujukan bagi administrative charge, intended for beginner
meliputi: penabung pemula. Selain itu, produk Tabunganku savers. Moreover, the product of Tabunganku
merupakan program tabungan nasional yang savings is a national savings program which is
Produk Simpanan Third Party of Fund Products dipasarkan secara bersama-sama oleh sejumlah marketed simultaneously by several banks in
• Giro • Current Account Bank di Indonesia. Mutasi rekening dapat dicetak Indonesia. Account transaction history can be
Merupakan produk simpanan masyarakat yang A product of the public savings whose withdrawal melalui buku tabungan/passbook serta telah printed via a passbook and is also integrated with
mekanisme penarikannya menggunakan cek atau mechanism use a check or bank draft. Current Account terintegrasi melalui Mobile Banking dan Internet Mobile Banking and Internet Banking for easy
bilyet giro. Rekening giro dipergunakan untuk tujuan is used for commercial purposes, both by persons Banking yang mudah diakses oleh Nasabah. access by customers.
komersial, baik pribadi maupun badan usaha. Bank or corporate entities. Bank offers Current Account
menawarkan produk giro dalam mata uang Rupiah products in Rupiah and US Dollar with competitive d. Tabungan Berjangka STAR Plan d. STAR Plan Term Saving
maupun US Dollar dengan bunga yang kompetitif rates and excellent service. This product is designed to merupakan produk tabungan dalam mata uang The saving product in Rupiah (IDR) which is
serta pelayanan yang prima. Produk ini dirancang provide convenience in fulfilling financial transaction Rupiah (IDR) yang ditujukan untuk Nasabah intended for individual customers with fixed
untuk memberikan kemudahan dalam memenuhi needs, including cash withdrawals, book transfers, perorangan dengan penghasilan tetap. Produk income. This term savings product uses an
kebutuhan transaksi keuangan, termasuk penarikan and interbank transfers. Additionally, this product is tabungan berjangka ini menggunakan fitur debit automatic debit feature every month according
tunai, pemindahbukuan, serta transfer antarbank. integrated with Business Internet Banking services to otomatis/auto-debit setiap bulannya sesuai to the nominal and for the desired period of time
Selain itu, produk ini telah terintegrasi dengan layanan support customer efficiency and convenience. dengan nominal dan selama jangka waktu and has been agreed upon with the customer.
Internet Banking Bisnis guna mendukung efisiensi dan yang diinginkan serta telah disepakati bersama Account transaction history can be printed via
kenyamanan nasabah. Nasabah. Mutasi rekening dapat dicetak melalui a passbook and is also integrated with Mobile
buku tabungan/passbook serta telah terintegrasi Banking and Internet Banking for easy access by
• Rekening STAR Dollar • STAR Dollar Account melalui Mobile Banking dan Internet Banking customers.
Merupakan produk simpanan dalam mata uang US Is a product of deposits in US Dollar, which can be yang mudah diakses oleh Nasabah.
Dollar, di mana pengambilannya dapat dilakukan withdrawn at any time using a withdrawal slip.
kapan saja dengan menggunakan slip penarikan. • Deposito Berjangka • Time Deposit
Simpanan berjangka yang tersedia baik dalam mata A term deposit that available both in Rupiah and
• Tabungan • Saving Account uang Rupiah maupun mata uang US Dollar. Bank US Dollar. Bank always strive to provide excellent
Merupakan produk simpanan masyarakat dalam A product of public savings in Rupiah, which can be selalu berusaha memberikan produk yang prima, baik products, both in interest rates and withdrawal
mata uang rupiah, di mana pengambilannya dapat withdrawn any time using a withdrawal slip. The dalam suku bunga maupun fleksibilitas penarikan, flexibility, initial deposit and disbursement date of
dilakukan kapan saja dengan menggunakan slip Bank will publish a mutation report every month setoran awal, serta tanggal pencairan deposito sesuai deposit is in accordance with customers needs. The
penarikan. Terdapat berbagai jenis tabungan yang bisa (such as bank account statements) to the Savings dengan kebutuhan nasabah. Periode yang dapat customers can choose period 1 month, 3 months, 6
disesuaikan dengan permintaan nasabah penabung. owners. There are various types of savings that can dipilih nasabah adalah 1 bulan, 3 bulan, 6 bulan dan months and 12 months. Account transaction history
be customized to meet customers demand. 12 bulan. Mutasi rekening dapat dicetak melalui buku can be printed via a passbook and is also integrated
tabungan/passbook serta telah terintegrasi melalui with Mobile Banking and Internet Banking for easy
a. Tabungan SI BOS a. SI BOS Saving Account Mobile Banking dan Internet Banking yang mudah access by customers.
Merupakan produk simpanan masyarakat dalam A public savings product denominated in Rupiah diakses oleh Nasabah.
mata uang rupiah dan berbunga tinggi, di mana with high interest rate, which can be withdrawn
pengambilannya dapat dilakukan kapan saja at any time by using a withdrawal slip. Account • Deposito Double STAR • Double STAR Deposit
dengan menggunakan slip penarikan. Mutasi transaction history can be printed via a passbook Simpanan Berjangka yang memberikan manfaat Term Deposits that provide benefits with higher
rekening dapat dicetak melalui buku tabungan/ and is also integrated with Mobile Banking and dengan imbal hasil pokok yang lebih tinggi pada akhir principal returns at the end of the placement period
passbook serta telah terintegrasi melalui Mobile Internet Banking for easy access by customers. periode penempatan dalam bentuk bunga majemuk in the form of quarterly compound interest available
Banking dan Internet Banking yang mudah setiap triwulan yang tersedia dalam mata uang Rupiah in Rupiah and US Dollar. The period that customers
diakses oleh Nasabah. dan US Dollar. Periode yang dapat dipilih nasabah can choose is 6 months and 12 months. Account
adalah 6 bulan dan 12 bulan. Mutasi rekening dapat transaction history can be printed via a passbook and
dicetak melalui buku tabungan/passbook serta telah is also integrated with Mobile Banking and Internet
terintegrasi melalui Mobile Banking dan Internet Banking for easy access by customers.
Banking yang mudah diakses oleh Nasabah.
PT BANK OF INDIA INDONESIA Tbk PT BANK OF INDIA INDONESIA Tbk
46 Laporan Tahunan 2024 Annual Report 2024 47
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Profil Bank
Bank Profile
Produk Kredit Loans Products Pembayaran Elektronis dan PT Alto Network dan telah Elektronis and PT Alto Network, so customers can make
• Kredit Modal Kerja • Working Capital Loan menggunakan kartu ATM berbasis chip, sehingga nasabah cash withdrawals and transfer transactions through all
Kredit yang diberikan kepada perusahaan atau Loans which are given to companies or individuals dapat melakukan transaksi tarik tunai dan transfer melalui National ATM networks.
individu dengan tujuan untuk memenuhi kebutuhan with the aim to meet their working capital needs. The semua jaringan ATM Nasional.
modal kerjanya. Adapun bentuk kredit yang diberikan form of loans can be:
dapat berupa : Bank telah memiliki layanan digital, seperti Internet The Bank had digital services such as Internet Banking,
• Pinjaman Rekening Koran (PRK); • Current Account Loans (PRK); Banking, Internet Banking Bisnis dan Mobile Banking yang Business Internet Banking, and Mobile Banking that can
• Kredit Demand Loans (DL); • Demand Loans (DL); dapat diakses oleh Nasabah melalui Play Store dan App be accessed by Customers through Play Store and App
• Fixed Loans (FL); • Fixed Loans (FL); Store. Layanan digital ini telah dilengkapi dengan fitur Store. These digital services were equipped with BI Fast
• Kredit Ekspor (KE), Pre Shipment dan Post • Export Credit (KE), Pre Shipment and Post transfer BI Fast dan fitur transfer SKN/RTGS di Internet transfer feature and SKN/RTGS transfer feature in Business
Shipment; Shipment; Banking Bisnis untuk mempermudah transaksi nasabah. Internet Banking to simplify the customer’s transaction.
• Diskonto Tagihan/Piutang; • Discount Billing/Accounts Receivable;
• Kredit Angsuran Modal Kerja. • Working Capital Installment Loans. Sampai dengan tahun 2024 Bank telah memiliki 7 jaringan At present, the Bank has 7 ATM/CRM networks spread
terminal ATM/CRM yang tersebar di beberapa lokasi strategis across several strategic locations, namely as follows:
• Kredit Investasi • Investment Loan yaitu sebagai berikut:
Kredit yang diberikan kepada perusahaan atau Loans which are given to corporation or entrepreneurs 1. CRM - Jl. Samanhudi No. 37 Jakarta Pusat; 1. CRM - Jl. Samanhudi No. 37 Central Jakarta;
pengusaha untuk membiayai investasinya, baik to finance their investment, such as investment for 2. ATM - Jl. Tunjungan No. 32 Surabaya, Jawa Timur; 2. ATM - Jl. Tunjungan No. 32 Surabaya, East Java;
investasi untuk pembelian/pembangunan gedung/ purchase/construction/shop, purchase of vehicles, 3. ATM - Jl. Veteran No. 49 Bandung; 3. ATM - Jl. Veteran No. 49 Bandung;
ruko, pembelian kendaraan, pembelian mesin dan purchase of machinery and other production 4. ATM - Graha KNS, Jl. Raya Boulevard Barat Blok XC 5-6 4. ATM - Graha KNS, Jl. Raya Boulevard Barat Blok XC 5-6
alat produksi lainnya. equipment. Kelapa Gading, Jakarta Utara; Kelapa Gading, North Jakarta;
5. ATM - MD Place Tower 2, Jl. Setiabudi Selatan No. 7 Jakarta 5. ATM - MD Place Tower 2, Jalan Setiabudi Selatan No. 7
• Kredit Ekspor dan Impor • Export and Import Loans Selatan; South Jakarta;
Kredit yang diberikan kepada kegiatan usaha yang Loans which are given to corporations related to 6. ATM - Jl. H. Zainul Arifin No. 55-C/31 Medan; 6. ATM - Jl. H. Zainul Arifin No. 55-C/31 Medan;
terkait dengan ekspor/impor. export/import. 7. ATM - Jl. H.B.R. Motik Blok D.6 No. 1 Jakarta Pusat. 7. ATM - Jl. H.B.R. Motik Blok D.6 No. 1 Central Jakarta.
• Kredit Konsumsi • Consumer Loans Layanan Jasa Luar Negeri Foreign Bank Services
Merupakan kredit yang diberikan kepada individu Loans which are given to individuals for facilitating Layanan yang menjadi sarana penunjang jangkauan usaha Services that support business expansion at a relatively
untuk pembelian rumah tinggal berupa KPR (Kredit residential purchases in the form of mortgage-KPR dengan biaya yang relatif murah, yang terdiri dari: low cost, which consist of:
Kepemilikan Rumah/Apartemen), KKB (Kredit (Housing/Apartment Loans), Motor Vehicle Credit • Ekspor Impor • Trade Finance
Kendaraan Bermotor) dan lain-lain. (KKB) and others. • Kiriman Uang • Remittance
• Jual Beli Mata Uang Asing • Foreign Exchange Transactions
• Kredit STAR Multiguna • STAR Multiguna Loans
Merupakan produk kredit yang diberikan A loan product provided to individual customers Untuk mendukung kebutuhan nasabah melakukan For supporting the customer’s needs for international
kepada nasabah individu yang berpenghasilan with fixed income (employees of private companies pengiriman uang ke luar negeri, Bank menyediakan transfer, the Bank had provided SWIFT services and
tetap (karyawan/perusahaan/BUMN) dan/atau or state-owned enterprises) and/or variable income layanan SWIFT dan layanan khusus pengiriman mata exclusive transfer services to send Indian currency from
berpenghasilan tidak tetap (pengusaha/professional) (entrepreneurs or professionals) to meet various uang India dari Indonesia ke India melalui Same Day INR Indonesia to India through Same Day INR Transfer.
untuk memenuhi berbagai kebutuhan finansial. financial needs. Transfer.
Layanan Jasa Dalam Negeri Domestic Bank Services Bank berkomitmen untuk menyediakan layanan terbaik The Bank is committed to providing the best services to
Layanan yang cepat dan aman dengan proteksi yang A fast and reliable services with credible protection: kepada nasabah dalam melakukan transaksi perbankan customers in conducting secure, fast, and reliable banking
handal yang terdiri dari: yang aman, cepat dan terpercaya dengan konsep ‘satu transactions with the ‘one-stop service’ concept, which
atap’ (one stop service), yang mencakup beragam produk includes a variety of financial products and services to
• Bank Garansi • Bank Guarantee dan jasa keuangan untuk memenuhi seluruh kebutuhan meet all customer needs.
• Kiriman Uang (Transfer), Real Time Gross Settlement • Fund Transfer, Real Time Gross Settlement, National nasabah.
(RTGS), Sistem Kliring Nasional (SKN) Gen II, dan BI- Clearing System Gen II, and BI-Fast
Fast
• Surat Kredit Berdokumen Dalam Negeri (SKBDN) • Domestic Letter of Credit (SKBDN)
• Safe Deposit Box (SDB) • Safe Deposit Box (SDB)
• Pembayaran gaji • Payroll system
• Pembayaran uang sekolah • School fee payment
• Anjungan Tunai Mandiri (ATM) PT Bank of India • Automated Teller Machines (ATM) PT Bank of India
Indonesia Tbk Indonesia Tbk
Sejak tahun 2018, kartu ATM Bank telah terkoneksi Since 2018, the Bank’s ATM card has been connected to
dengan Gerbang Pembayaran Nasional (GPN) yang bekerja the National Payment Gateway which cooperates with 2
sama dengan 2 lembaga switching yaitu PT Artajasa switching institutions namely PT Artajasa Pembayaran
PT BANK OF INDIA INDONESIA Tbk PT BANK OF INDIA INDONESIA Tbk
48 Laporan Tahunan 2024 Annual Report 2024 49
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Profil Bank
Bank Profile
JARINGAN KANTOR
OFFICE NETWORK
Salah satu langkah strategis Bank dalam menghadapi One of the Bank’s strategic initiatives to navigate
persaingan di industri perbankan adalah mengoptimalkan competition in the banking industry is optimizing its
jaringan kantor. Bank akan memanfaatkan layanan digital branch network. The Bank leverages digital services such
seperti Internet Banking dan Mobile Banking untuk as Internet Banking and Mobile Banking to enhance
meningkatkan aksesibilitas dan kemudahan bagi nasabah, accessibility and convenience for customers while
sekaligus tetap mengoptimalkan jaringan kantor yang simultaneously maximizing its existing branch network to
telah ada guna memastikan jangkauan layanan yang lebih ensure broader, more efficient, and high-quality service
luas, efisien, dan berkualitas. coverage.
Kantor pusat Bank berlokasi di Jalan K.H. Samanhudi No. The Bank’s head office is located at Jalan K.H. Samanhudi
37 Jakarta Pusat. Bank Mempunyai 8 Kantor Cabang, 6 No. 37 Central Jakarta. The Bank has 8 Branch Offices, 6
Kantor Cabang Pembantu, 2 Kantor Kas dan 1 Kantor Pusat Sub-Branch Offices, 2 cash offices and 1 Non-Operational
Non-Operasional di mana Jaringan Kantor Bank tersebar Head Office where the Bank’s Office Network is spread
di wilayah Jakarta, Surabaya, Bandung, Medan, Bali, dan across the Jakarta, Surabaya, Bandung, Medan, Bali, and
Makassar. Makassar areas.
Bank berkomitmen untuk menyediakan layanan
terbaik kepada nasabah dalam melakukan
transaksi perbankan yang aman, cepat dan
terpercaya dengan konsep ‘satu atap’ (one
stop service), yang mencakup beragam produk
dan jasa keuangan untuk memenuhi seluruh
Medan
kebutuhan nasabah.
The Bank is committed to providing the best
services to customers in conducting secure, fast,
and reliable banking transactions with the ‘one-
stop service’ concept, which includes a variety
of financial products and services to meet all
customer needs.
Jakarta Makassar
Surabaya
Bandung
Bali
Kini Lebih Mudah dengan
Jaringan ATM Bersama, Jaringan Alto, dan
GPN di seluruh Indonesia
7 Jaringan Terminal ATM / 7 ATM Terminal Networks 8 Kantor Cabang / 8 Branch Offices
6 Kantor Cabang Pembantu / 6 Sub-Branch Offices
STARBOII Mobile
ATM Bersama, Alto Network, and GPN network 2 Kantor Kas / 2 Cash Offices *)
across Indonesia
*) Sesuai POJK No. 12/POJK.03/2021 tentang Bank Umum, Bank telah melakukan pengkinian pencatatan kantor kas pada sistem pelaporan OJK sebagai Kantor Cabang Pembantu
(KCP). Namun, penyesuaian penamaan pada papan nama kantor, surat menyurat, kegiatan promosi, dan sebagainya disesuaikan dengan rencana bisnis Bank dalam penyesuaian
penamaan Kantor Kas menjadi KCP.
*) In accordance with POJK No. 12/POJK.03/2021 concerning Commercial Banks, the Bank has updated the recording of cash offices in the OJK reporting system as Sub-Branch
Offices (KCP). However, naming adjustments to office signage, correspondence, promotional activities, etc. are adjusted to the Bank’s business plan in adjusting the naming of
the Cash Office to KCP.
PT BANK OF INDIA INDONESIA Tbk PT BANK OF INDIA INDONESIA Tbk
50 Laporan Tahunan 2024 Annual Report 2024 51
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Profil Bank
Bank Profile
Kantor Pusat / Head Office Kantor Cabang Pembantu / Sub Branch Office LAPORAN KEUANGAN BANK (ENTITAS INDUK)
SECARA INDIVIDUAL
Jakarta Jakarta INDIVIDUAL BANK (PARENT ENTITY) FINANCIAL STATEMENTS
( Dalam jutaan Rupiah / In million Rupiah)
Jl. K.H. Samanhudi No. 37 Jakarta 10710 Graha KNS
Telp. : (021) 350 0007 (Hunting) Jl. Raya Boulevard Barat Blok XC 5-6
Fax : (021) 3808178, 3500007 Ext. 6 Kelapa Gading Jakarta Utara 14240 Keterangan / Description 2024 2023
E-mail : corporate@boiindonesia.co.id Telp : (021) 4522244, 4534909-11
Website : www.boiindonesia.co.id Fax : (021) 4528713 Modal dan Kewajiban / Capital and Liabilities
SWIFT BIC : BKIDIDJA Modal / Capital 8.559.500 8.431.777
Jl. Danau Sunter Utara
Cadangan dan Kelebihan / Reserves and Surplus 130.919.141 116.165.685
(Komplek Sunter Garden), Blok D-1
Kantor Cabang / Branch Office Kav.12-13 No. 3, Jakarta Utara 14350 Dana Pihak Ketiga / Third Party Funds 1.494.042.576 1.310.719.351
Telp : (021) 65301010 (Hunting) Pinjaman Bank Lain / Borrowings 256.881.644 140.281.784
Fax : (021) 65301602
Jakarta Kewajiban Lainnya dan CKPN
49.322.004 41.190.901
Other Liabilities and Allowance for Impairment Losses
Jl. K.H. Samanhudi No. 37 Jakarta 10710 Jl. Raya Bogor Km. 21 No. 18
Telp. : (021) 350 0007 (Hunting) Kramat Jati, Jakarta Timur 13830 Total 1.939.724.866 1.616.789.498
Fax : (021) 3808178, 3500007 Ext. 6 Telp : (021) 87799864 – 65
Aset / Assets
Fax : (021) 87799863
Kas dan GWM Dana Bank / Cash and Statutory Reserve Requirement 70.412.984 73.569.453
Wisma Eka Jiwa
Jl. Arteri Mangga Dua Raya Blok RM No. 17 MD Place, Tower II Tagihan Jangka Pendek / Short Term Bills 115.916.814 72.792.089
Mangga Dua Selatan, Jakarta 10730 Jl. Setiabudi Selatan No. 7, Jakarta Selatan
Telp : (021) 29316888, 29529995, 29529996, 29529997 Surat Berharga / Investment 494.730.407 391.864.335
Telp : (021) 626 0007, 612 9113 – 14
Fax : (021) 6267879 Fax : (021) 29529998 Pinjaman / Advances 1.189.666.131 1.004.196.599
Aktiva Tetap / Fixed Assets 19.567.985 18.800.781
Bandung Surabaya Aset Lainnya / Other Assets 49.430.544 55.566.240
Jl. Veteran No. 49 Jl. Ngagel Jaya Selatan No. 169A Surabaya 60284 Total 1.939.724.866 1.616.789.498
Telp : (022) 20510769, 20510465, 20510491 Telp : (031) 5022073 – 74, 5020726, 5023725,
5040949, 5041359 Pendapatan / Income
Fax : (022) 20521920
Fax : (031) 5022074 Pendapatan Bunga / Interest Earned 98.695.290 82.491.370
Surabaya Ruko Taman Pondok Indah Blok A-37 Bunga/diskonto/bills / Interest/discount/bills 69.516.376 57.877.261
Jl. Tunjungan No. 32 Surabaya 60275 Jl. Raya Menganti 211, Wiyung Pendapatan surat berharga / Securities income 24.178.646 19.371.768
Telp : (031) 5326666 (Hunting) Telp : (031) 7667115, 7667119, 7667121
Pendapatan RBI dan antar bank / RBI and inter-bank income 4.327.281 3.995.169
Fax : (031) 5311959 Fax : (031) 7662600
Pendapatan bunga lainnya / Other interest income 672.987 1.247.172
Jl. Tunjungan No. 32 Surabaya 60275 Pendapatan Lainnya / Other Income 10.463.042 8.043.113
Telp : (031) 5326666 (Hunting) Kantor Kas / Cash Office
Total 109.158.332 90.534.483
Fax : (031) 5311959
Pengeluaran / Expenses
Jakarta
Denpasar Gandhi National School
Biaya Bunga / Interest Expended 64.236.262 50.794.947
Ruko Indah Blok 27 Jl. Pangandaran IX Blok B4, Ancol Barat, Jakarta Utara Biaya Operasional / Operating Expended 23.253.088 20.274.959
Jl. Diponegoro No. 135–137 Telp : (021) 6909902 - 03 a. Biaya Tenaga Kerja / Labor Cost 13.943.285 12.304.712
Telp : (0361) 8424241, 8424243
Gandhi Memorial Intercontinental School b. Biaya Ops Lainnya / Other Ops Costs 9.309.803 7.970.247
Fax : (0361) 8424248
Jl. H.B.R Motik - Blok D 6 No. 1 Kemayoran Jakarta Pusat Total Pengeluaran
87.489.351 71.069.906
Telp : (021) 65865670 Total Expense
Medan
CKPN dan Kontinjensi / LLP and Contingencies 4.962.672 3.969.374
Jl. H. Zainul Arifin, No. 55-C/31
Laba Operasional / Operational Profit 21.668.981 19.464.578
Telp : (061) 4517943, 4517950
Fax : (061) 4517945 Laba (Rugi) Sebelum Pajak / Profit (Loss) Before Tax 16.706.309 15.495.203
Biaya Pajak / Tax Costs 4.312.581 6.460.497
Makassar Layanan Contact Center 24 Jam Total 12.393.728 9.034.707
24 Hour Contact Center Service
Jl. Ujung Pandang (Ex. Taman Bahari) No. 13
Telp : (0411) 3636430 – 31 Hello BOII 150707
Fax : (0411) 3636432 Catatan: Untuk laporan Entitas Induk pada periode 31 Desember 2024, tidak terdapat opini dari Auditor, karena laporan tersebut belum Audited.
Laporan Entitas Induk Audited baru akan terbit pada periode 31 Maret 2025.
Notes: For Parent Entity Report in 31 December 2024 period, there was no opinion from the Auditor, because the report had not yet been Audited.
Audited Parent Entity Report would be published on March 31, 2025.
PT BANK OF INDIA INDONESIA Tbk PT BANK OF INDIA INDONESIA Tbk
52 Laporan Tahunan 2024 Annual Report 2024 53
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Profil Bank
Bank Profile
STRUKTUR PEMEGANG SAHAM ENTITAS INDUK STRUKTUR PEMEGANG SAHAM PT BANK OF INDIA INDONESIA TBK
PARENT ENTITY SHAREHOLDERS STRUCTURE PT BANK OF INDIA INDONESIA TBK SHAREHOLDERS STRUCTURE
Bank of India
73,38% (Ultimate Shareholders)
Struktur Pemegang Saham
PEMERINTAH INDIA Shareholders Structure
Promoter (Government of India) Posisi 31 Desember 2024
As of 31 December 2024
4,59% 6,89% 0,40% 11,82% 2,92% 0,00%
Perusahaan Investor dan
Reksadana Lainnya Korporasi Asuransi Institusi Asing Institusi Keuangan
Mutual Funds Others Corporate Insurance Foreign Institutional Financial Institution
Company Investor
BANK OF INDIA
100% 100% 90,96% 6,78% 0,37% 11,44%
Bank of India Perusahaan
Bank of India Star PT Bank of India 90,96% 1,44%
Star Investments Lainnya Korporasi Asuransi 3,55% 1,68% 0,56%
Trustee Service
Managers PVT Indonesia Tbk Others Corporate Insurance
Pte Ltd
Pte Ltd Company
PT Panca PT Panca Deepak Rupo Dilip Rupo
Bank of India*) Mantra Jaya Mantra Jaya Chugani Chugani
0,56% 1,25%
100% 29,96% 26,02% 100% Prakash Rupchand Publik
Chugani Public
Bank of India Bank of India
Merchant Bankers STCI Finance Ltd ASREC (India) Ltd Tanzania Ltd
Ltd
Saham dengan Saham dalam Penitipan
Sertifikat Kolektif Kolektif PT KSEI
(Scrip) (Scripless)
35,00% 20,00%
Aryavart Bank Indo Zambia Bank *) Pemegang Saham Utama dan Pemegang Saham Pengendali
India Limited, Zambia
*) Major Shareholders and Controlling Shareholders
35,00% 35,00% 28,96%
Star Union Dai-Ichi
MadyaPradesh Vidarbha Konkan Life Insurance
Gramin Bank, Gramin Bank, Company Ltd.
India India (SUDLIFE)
PT BANK OF INDIA INDONESIA Tbk PT BANK OF INDIA INDONESIA Tbk
54 Laporan Tahunan 2024 Annual Report 2024 55
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Profil Bank
Bank Profile
STRUKTUR ORGANISASI PT BANK OF INDIA INDONESIA Tbk Struktur Organisasi per tanggal 10 Oktober 2024
ORGANIZATION STRUCTURE OF PT BANK OF INDIA INDONESIA Tbk Organizational Structure as of October 10, 2024
Komite Audit
Audit Committee
• Ketua : Lungguk Gultom
• Anggota : Handadjaja Sulaiman
• Anggota : Teddy R. Sondakh
Komite Remunerasi & Nominasi Dewan Komisaris
Remuneration & Nomination Committee Board of Commissioners
• Ketua : Handadjaja Sulaiman • Sudhiranjan Padhi
• Anggota : Sudhiranjan Padhi • Handadjaja Sulaiman
• Anggota : Dwi Anita • Lungguk Gultom Komite Pemantau Risiko
Risk Monitoring Committee
• Ketua : Lungguk Gultom
• Anggota : Maya Indreswari
• Anggota : Teddy R. Sondakh
Direksi
Board of Directors
Direktur Presiden
President Director
Jayaprakash Bharathan
Direktur Kredit dan
Direktur Operasional*) International Banking Direktur Kepatuhan
Operations Director*) Credit and International Compliance Director
Banking Director
Carolina Dina Chandra Sekhar
Dennis Kusuma Halim
Rusdiana Mukherjee
Divisi Corporate Divisi Divisi Manajemen Risiko
Divisi
Planning & Product Divisi Operasional Divisi IT Divisi Credit Support Divisi Cyber Security Divisi Treasury Divisi Bisnis Akutansi dan Pelaporan dan Kepatuhan Divisi Audit Intern
Sumber Daya Manusia
Corporate Planning & Operations Division IT Division Credit Support Division Cyber Security Division Treasury Division Business Division Accounting and Risk Management Internal Audit Division
Human Capital Division
Product Division Reporting Division and Compliance Division
Hary Suryawan Anurag Singh Robby Chaiyadi Santoso Pribadi Arifin Siswidodo Dwi Anita Siti Yanti E. Gultom
Erma Rumadja Ajay Kapoor Muhammad Chotib Arief Budi W
Dwiputra
Unit E-Channel &
Unit
Unit Dewan Sekretaris Customer Care Unit General Affairs Unit Legal Unit Remedial Unit Treasury Unit Pelaporan Unit Akuntansi Unit Audit Intern
Pengendalian Intern
Board Secretariat Unit E-Channel & General Affairs Unit Legal Unit Remedial Unit Treasury Unit Reporting Unit Accounting Unit Internal Audit Unit
Internal Control Unit
Customer Care Unit
Iin Yunishi Adhi Pradhana Eka Surya Chandra Hestikomah Andri Dwi Nuryanto Yoga Vindra Vacant Mawardi Fakhri Maulana Taufik Agung Ismail
Unit Operasional Unit Operasional Kepala Unit
Unit Administrasi Kredit Kepala Unit • Branch Manager Unit
Surabaya Jakarta IT Development Unit Branch Monitoring Unit Credit Review
Credit Administration IT Operational Branch Manager Sumber Daya Manusia
Operations Unit of Operations Unit of IT Development Unit Branch Monitoring Unit Credit Review Unit
Unit IT Operational Unit Head • Sub Branch Manager Human Capital Unit
Surabaya Jakarta Head
Sub Branch Manager
Nanung Susanto Rita Hastuti Kosasih Adrian W Vacant Prity Indiriati Irwan Ruzali Vacant
Jabatan Rangkap Sekretaris Perusahaan
*)
Dual Position of Corporate Secretary Unit Sistem & Prosedur
Unit Kepatuhan Unit Manajemen Risiko Unit Perlindungan Data Unit Anti Fraud
Systems & Procedure
Garis Koordinasi Compliance Unit Risk Management Unit Data Protection Unit Anti Fraud Unit
Unit
Coordination Line
Sary Rezeky K Ruri Febriani Plt. Arifin Siswidodo Vacant Vacant
Catatan: Berdasarkan keputusan Rapat Umum Pemegang Saham Luar Biasa tanggal 27 Desember 2024 terdapat perubahan nomenklatur jabatan yang semula
bernama Direktur Kredit dan International Banking menjadi Direktur Bisnis.
Note: Based on the resolution of the Extraordinary General Meeting of Shareholders on December 27, 2024, there has been a change in the nomenclature of
the position, which was previously named Credit and International Banking Director, to Business Director.
PT BANK OF INDIA INDONESIA Tbk PT BANK OF INDIA INDONESIA Tbk
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Profil Bank
Bank Profile
TABEL KEIKUTSERTAAN DALAM ASOSIASI
TABLE OF THE PARTICIPATION IN THE ASSOCIATION
Nama Asosiasi Posisi di Asosiasi Lingkup / Skala
Association Name Position in the Association Scope/Scale
Perkumpulan Perhimpunan Bank Nasional (PERBANAS) Anggota Nasional
Indonesia Banks Association Member National
Forum Komunikasi Direktur Kepatuhan (FKDKP) Anggota Nasional
Banking Compliance Director Communication Forum Member National
Association Cambiste International - Financial Market Association (ACI-FMA) Indonesia Anggota Nasional / Internasional
Association Cambiste International - Financial Market Association (ACI-FMA) Indonesia Member National / International
Afiliasi Association of Certified Fraud Examiners (ACFE) Indonesia Chapter Anggota Nasional / Internasional
ACFE Affiliation Indonesia Chapter Member National / International
Asosiasi Sistem Pembayaran Indonesia (ASPI) Anggota Nasional
Indonesia Payment System Association Member National
Lembaga Alternatif Penyelesaian Sengketa Perbankan Indonesia (LAPSPI) Anggota Nasional
Alternative Institutions for Indonesian Banking Dispute Resolutionk Member National
Asosiasi SWIFT Indonesia (ASWIFTINDO) Anggota Nasional / Internasional
Indonesian SWIFT Association Member National / International
Ikatan Bankir Indonesia (IBI) Anggota Nasional
Indonesian Bankers Union Member National
Perhimpunan Bank-Bank Internasional Indonesia (PERBINA) Anggota Nasional
The Association of International Banks Indonesia (PERBINA) Member National
PT BANK OF INDIA INDONESIA Tbk PT BANK OF INDIA INDONESIA Tbk
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Profil Bank
Bank Profile
PROFIL DEWAN KOMISARIS
BOARD OF COMMISSIONERS PROFILE
SUDHIRANJAN PADHI HANDADJAJA SULAIMAN
Komisaris Utama Komisaris Independen
President Commissioner Independent Commissioner
Sudhiranjan Padhi adalah Warga Negara India, berusia 58 tahun. Lulus Sudhiranjan Padhi is an Indian citizen, 58 years old. Graduated with a Handadjaja Sulaiman adalah Warga Negara Indonesia, 66 tahun, Handadjaja Sulaiman is an Indonesian citizen, 66 years old, serving as
dengan gelar Master of Arts di bidang Matematika dari Universitas Master of Arts in Mathematics from Utkal University in 1988. Earned menjabat sebagai Komisaris Independen PT Bank of India Indonesia Independent Commissioner of PT Bank of India Indonesia Tbk since
Utkal pada tahun 1988. Mendapatkan Sertifikat Associate of Indian an Associate of Indian Institute of Bankers (CAIIB) Certificate and Tbk sejak tahun 2013. Pada tahun 1982 menyandang gelar insinyur 2013. In 1982, he earned an engineering degree from Parahyangan
Institute of Bankers (CAIIB) dan memegang Advanced Diploma in holds an Advanced Diploma in Computers. He served as President dari Universitas Katolik Parahyangan, dan lima tahun kemudian Catholic University, and five years later, in 1987, he earned a Master
Computers. Beliau menjabat sebagai Komisaris Utama PT Bank of Commissioner of PT Bank of India Indonesia Tbk with the legal yaitu pada tahun 1987 menyandang gelar Master of Business of Business Administration degree from California State University,
India Indonesia Tbk dengan dasar hukum pengangkatan pertama basis for his first appointment through the Extraordinary General Administration dari California State University, Long Beach. Beliau Long Beach. He started his career as a Construction Manager
kali melalui Rapat Umum Pemegang Saham Luar Biasa pada tanggal Meeting of Shareholders on January 7, 2021 and the legal basis for memulai kariernya sebagai Contruction Manager pada tahun 1983 from 1983 to 1985. After obtaining his MBA, he became Business
7 Januari 2021 dan dasar hukum pengangkatan kembali sebagai his reappointment as President Commissioner of the Company is in sampai 1985. Setelah memperoleh gelar MBA, beliau menjadi Development Manager from 1988 to 1990. He then joined PT Procon
Komisaris Utama Perseroan adalah sesuai dengan keputusan accordance with the resolution of the Annual General Meeting of Business Development Manager pada tahun 1988 sampai 1990. Indah from 1990 to 2007 with his last position as Director. In 2007,
Rapat Umum Pemegang Saham Tahunan tanggal 27 Juni 2024 yang Shareholders dated June 27, 2024 issued by Notary Winter Sigiro, Selanjutnya bergabung di PT Procon Indah dari tahun 1990 sampai served as Executive Director at PT Cushman & Wakefield Indonesia
diterbitkan oleh Notaris Winter Sigiro, SH., MH. Telah lulus Penilaian SH, MH. Has passed the Fit and Proper Test based on the Decree of 2007 dengan jabatan terakhir sebagai Direktur. Di tahun 2007, and continues to serve as Vice Chairman until now. In 2018 until early
Kemampuan dan Kepatutan berdasarkan surat Keputusan Deputi the Deputy Commissioner for Banking Supervision 1 of the Financial menjabat sebagai Executive Director di PT Cushman & Wakefield 2019, he became a Member of the Property Industry Working Group
Komisioner Pengawas Perbankan 1 Otoritas Jasa Keuangan No. KEP- Services Authority No. KEP-34/PB.01/2021 dated May 5, 2021. Indonesia dan sampai saat ini beliau menjabat sebagai Vice of the Committee for the Economy and Industry (KEIN), Coordinating
34/PB.01/2021 tanggal 5 Mei 2021. Chairman. Pada tahun 2018 sampai awal tahun 2019, beliau menjadi Ministry for Economy and Industry of the Republic of Indonesia.
Anggota Kelompok Kerja Industry Property dari Komite Ekonomi
Beliau bergabung dengan Bank of India sebagai Direct Recruit Officer He joined Bank of India as Direct Recruit Officer in 1990. Over the dan Industri (KEIN), Kemenko Perekonomian dan Industri Republik
pada tahun 1990. Selama 30 tahun terakhir, beliau telah bekerja di past 30 years he has worked in various functional areas including Indonesia.
berbagai bidang fungsional yang meliputi perbankan umum, valas, general banking, forex, information technology, and international
teknologi informasi, dan perbankan internasional dalam operasi bank banking in bank operations both domestically and overseas. In Dasar hukum pengangkatan beliau pertama kali sebagai Komisaris The legal basis for his first appointment as Independent Commissioner
baik dalam dan luar negeri. Dalam tugasnya saat ini, dia ditempatkan his current role, he is placed as General Manager overseeing the Independen berdasarkan Keputusan Rapat Umum Pemegang Saham is based on the Resolution of the Extraordinary General Meeting of
sebagai General Manager yang mengawasi Departemen Teknologi Information Technology Department. Luar Biasa tanggal 23 Desember 2013 dan dasar hukum pengangkatan Shareholders dated December 23, 2013 and the legal basis for his
Informasi. beliau kembali sebagai Komisaris Independen adalah sesuai dengan reappointment as Independent in accordance with the resolution
keputusan RUPS Tahunan tanggal 28 Juni 2022 yang diterbitkan oleh of the Annual GMS dated June 28, 2022 issued by Notary Winter
Saat ini beliau memiliki rangkap jabatan sebagai Anggota Komite Currently, he has a dual position as a Member of the Remuneration Notaris Winter Sigiro, SH., MH. Telah lulus Penilaian Kemampuan Sigiro, SH, MH. Has passed the Fit and Proper Test from OJK based on
Remunerasi dan Nominasi PT Bank of India Indonesia Tbk sesuai and Nomination Committee of PT Bank of India Indonesia Tbk in dan Kepatutan dari OJK berdasarkan surat No. SR- 132/D.03/2014 the Decree of the Board of Directors No. SR-132/D.03/2014 dated
surat Keputusan Direksi No. 088/KP-HCS/INT/SK/HSD/IX/2024 accordance with the Decree of the Board of Directors No. 088/ tanggal 7 Agustus 2014. Beliau juga merangkap jabatan menjadi August 7, 2014. He also holds concurrent positions as chairman of
tanggal 27 September 2024 dan tidak memiliki hubungan afiliasi KP-HCS/INT/SK/HSD/IX/2024 dated September 27, 2024 and has ketua Komite Remunerasi dan Nominasi melalui Surat Keputusan the Remuneration dan Nomination Committee through the Decree
dengan anggota Dewan Komisaris lainnya, anggota Direksi, maupun no affiliation with other members of the Board of Commissioners, Direksi No. 088/KP-HCS/INT/SK/HSD/IX/2024 tanggal 27 September of the Board of Director No. 088/KP-HCS/INT/SK/HSD/IX/2024 dated
dengan Pemegang Saham Utama dan Pengendali baik langsung members of the Board of Directors, as well as with Major and 2024, serta anggota Komite Audit melalui surat keputusan Direksi September 27, 2024, as well as a member of the Audit Committee
maupun tidak langsung sampai kepada pemilik individu, serta tidak Controlling Shareholders either directly or indirectly up to individual No.092/KP-HCT/SK/HSD/VI/2022 tanggal 27 Juni 2022. through decree No.092/KP-HCT/SK/HSD/VI/2022 dated June 27,
memiliki saham di Bank. owners, and does not own shares in the Bank. 2022.
Saat ini beliau tidak memiliki hubungan afiliasi dengan anggota Currently he has no affiliation with other members of the Board
Dewan Komisaris lainnya, anggota Direksi, maupun dengan of Commissioners, members of the Board of Directors, as well as
Pemegang Saham Utama dan Pengendali baik langsung maupun with the Majority and Controlling Shareholders either directly or
tidak langsung sampai kepada pemilik individu, serta tidak memiliki indirectly up to individual owners, and does not own shares in the
saham di Bank. Bank.
PT BANK OF INDIA INDONESIA Tbk PT BANK OF INDIA INDONESIA Tbk
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Profil Bank
Bank Profile
PROFIL DIREKSI
BOARD OF DIRECTORS PROFILE
LUNGGUK GULTOM JAYAPRAKASH BHARATHAN
Komisaris Independen Direktur Utama
Independent Commissioner President Director
Lungguk Gultom adalah Warga Negara Indonesia, berusia 70 tahun. Lungguk Gultom is an Indonesian citizen, 70 years old. He graduated Jayaprakash Bharathan adalah warga Negara India, berusia 51 Jayaprakash Bharathan is an Indian citizen, 51 years old. He obtained
Lulus dengan gelar Sarjana Manajemen dari Universitas Katolik with a Bachelor of Management degree from Parahyangan Catholic tahun. Beliau memperoleh gelar Magister Aplikasi Komputer dari his Masters in Computer Applications from Bharathidasan University
Parahyangan pada tahun 1979. Beliau menjabat sebagai Komisaris University in 1979. He has served as Independent Commissioner Bharathidasan University tahun 1996 dan dari Certified Associate of in 1996 and from Certified Associate of Indian Institute of Bankers
Independen PT Bank of India Indonesia Tbk sejak Desember 2021. of PT Bank of India Indonesia Tbk since December 2021. His Indian Institute of Bankers (CAIIB). Bergabung dengan Bank of India (CAIIB). Joined Bank of India in 2001 as a Direct Recruit Officer (DRO)
Karier beliau dimulai di PT Bank Niaga Tbk pada tahun 1982 sampai career began at PT Bank Niaga Tbk from 1982 to 1999 with various tahun 2001 sebagai Direct Recruit Officer (DRO) dan memegang and held various positions such as Dealer in Head Office Treasury,
1999 dengan berbagai jabatan sebagai Internal Auditor Staff, Credit positions as Internal Auditor Staff, Credit Policy Division Head, berbagai posisi seperti Dealer in Head Office Treasury, Asisten Assistant Vice President Director in New York Branch, Area Manager
Policy Division Head, Branch Manager, Banking Head, Chief Internal Branch Manager, Banking Head, Chief Internal Audit/Comptroller, Wakil Direktur Utama di Cabang New York, Area Manager di Cabang in Chennai Branches, SME City Center in Mumbai and Assistant
Audit/Comptroller, Regional Area Manager, dan Corporate Banking Regional Area Manager, and Corporate Banking Group Head. From Chennai, SME City Center di Mumbai dan Asisten General Manager General Manager at Head SME Department Office.
Group Head. Tahun 1999 sampai dengan 2001, beliau melanjutkan 1999 to 2001, he continued his career as Head of Asset Management di Head Office Departemen UKM.
karier sebagai Kepala Divisi Investasi Manajemen Aset di Badan Investment Division at the National Bank Restructuring Agency
Penyehatan Perbankan Nasional (BPPN). Selanjutnya, beliau (IBRA). Subsequently, he continued his 10-year career from 2001 to Dasar hukum pengangkatan Beliau sebagai Direktur Utama The legal basis for his appointment as President Director is based
melanjutkan karier selama 10 tahun dari tahun 2001 sampai 2011 di 2011 at PT Bank Danamon Indonesia Tbk holding various positions berdasarkan keputusan Rapat Umum Pemegang Saham Tahunan on the resolution of the Annual General Meeting of Shareholders
PT Bank Danamon Indonesia Tbk menduduki berbagai jabatan dari from Risk Management Division Head and Internal Audit Division tanggal 27 Juni 2024 dan telah lulus Penilaian Kemampuan dan on 27 June 2024 and his successful completion of the Fit and Proper
Risk Management Division Head dan Internal Audit Division Head, Head, Compliance Division Head and Advisor to Director. From Kepatutan dari Otoritas Jasa Keuangan (OJK) berdasarkan surat Test conducted by the Financial Services Authority (OJK), as stated
Kepala Divisi Kepatuhan dan Advisor to Director. Sejak tahun 2011 2011 to 2013 he was appointed as Member of Audit Committee and keputusan Kepala Departemen Perizinan dan Manajemen Krisis in the decision letter of the Head of the Licensing and Banking Crisis
sampai dengan 2013 beliau ditunjuk sebagai Anggota Komite Audit Independent Risk Monitor for PT Bank Commonwealth Indonesia Perbankan OJK No. KEPR-27/PB.02/2024 pada tanggal 14 Oktober Management Department of OJK No. KEPR-27/PB.02/2024 dated 14
dan Pemantau Risiko Independen untuk PT Bank Commonwealth and PT BPD Banten Tbk. From 2013 to 2017 he served as a member 2024. October 2024.
Indonesia dan PT BPD Banten Tbk. Sejak tahun 2013 sampai tahun of the Board of Directors and in January 2017 was appointed as CEO.
2017 beliau menjabat sebagai anggota Direksi dan pada Januari 2017 From 2017 to 2020, he served as an Independent Audit Committee Saat ini beliau tidak memiliki rangkap jabatan, baik sebagai anggota Currently he has no concurrent positions, either as a member of the
diangkat sebagai CEO. Di tahun 2017 sampai 2020, beliau menjabat Member for PT Bank BNI 46 Tbk. Direksi, Anggota Dewan Komisaris, dan/atau anggota Komite serta Board of Directors, Member of the Board of Commissioners, and/
sebagai Anggota Komite Audit Independen untuk PT Bank BNI 46 jabatan lainnya baik di dalam maupun di luar Bank dan juga tidak or member of the Committee and other positions both inside and
Tbk, serta pada tahun 2021 menjabat sebagai Anggota Komite Audit memiliki hubungan afiliasi dengan anggota Direksi lainnya, anggota outside the Bank and also has no affiliation with other members of
untuk PT Adira Dinamika Multifinance Tbk. Dewan Komisaris, Pemegang Saham Utama dan Pengendali baik the Board of Directors, members of the Board of Commissioners,
langsung maupun tidak langsung sampai kepada pemilik individu, Major and Controlling Shareholders either directly or indirectly up to
Dasar hukum pengangkatan beliau pertama kali melalui Rapat Umum The legal basis for his first appointment was through the Extraordinary serta tidak memiliki saham di Bank. individual owners, and does not own shares in the Bank.
Pemegang Saham Luar Biasa pada tanggal 9 Desember 2021 dan General Meeting of Shareholders on December 9, 2021 and the
dasar hukum pengangkatan kembali sebagai Komisaris Independen legal basis for his reappointment as Independent Commissioner is
adalah sesuai dengan keputusan Rapat Umum Pemegang Saham in accordance with the resolution of the Annual General Meeting of
Tahunan tanggal 27 Juni 2024 yang diterbitkan oleh Notaris Winter Shareholders on June 27, 2024 issued by Notary Winter Sigiro, SH,
Sigiro, SH., MH. Telah lulus Uji Kemampuan dan Kepatutan dari MH. He has passed the fit and proper test from the Financial Services
Otoritas Jasa Keuangan (OJK) berdasarkan surat Keputusan Deputi Authority (OJK) based on the Decree of the Deputy Commissioner
Komisioner Pengawas Perbankan I OJK No. KEP-18/PB.1/2022 for Banking Supervision I of OJK No. KEP-18/PB.1/2022 dated April
tanggal 6 April 2022. 6, 2022.
Saat ini beliau memiliki rangkap jabatan sebagai Ketua Komite Audit Currently holds concurrent positions as Audit Committee Chairman
PT Bank of India Indonesia Tbk sesuai surat Keputusan No.092/ of PT Bank of India Indonesia Tbk as per Decree No.092/KP-HCT/
KP-HCT/SK/HSD/VI/2022 tanggal 27 Juni 2022 dan Ketua Komite SK/HSD/VI/2022 on June 27, 2022 and Risk Monitoring Committee
Pemantau Risiko sesuai surat Keputusan No. 094/KP-HCT/SK/HSD/ Chairman as per Decree No. 094/KP-HCT/SK/HSD/VI/2022 on
VI/2022 tanggal 27 Juni 2022. Beliau juga tidak memiliki hubungan June 27, 2022. He has no affiliation with members of the Board of
afiliasi dengan anggota Dewan Komisaris lainnya, anggota Direksi, Commissioners, members of the Board of Directors, nor with the
maupun dengan Pemegang Saham Utama dan Pengendali baik Majority and Controlling Shareholders, either directly or indirectly
langsung maupun tidak langsung sampai kepada pemilik individu, up to individual owners, and does not own shares in the Bank.
serta tidak memiliki saham di Bank.
PT BANK OF INDIA INDONESIA Tbk PT BANK OF INDIA INDONESIA Tbk
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Profil Bank
Bank Profile
CAROLINA DINA RUSDIANA DENNIS KUSUMA HALIM
Direktur Operasional Direktur Kepatuhan
Operational Director Compliance Director
Carolina Dina Rusdiana adalah Warga Negara Indonesia, berusia 62 Carolina Dina Rusdiana is an Indonesian citizen, 62 years old. with a Dennis Kusuma Halim adalah Warga negara Indonesia, berusia 59 Dennis Kusuma Halim is an Indonesian citizen, 59 years old. He holds
tahun, dengan pendidikan terakhir di Fakultas Ilmu Sosial dan Politik Bachelor’s degree from the Faculty of Social and Political Sciences, tahun. Beliau memperoleh gelar Bachelor of Business Management a Bachelor of Business Management degree from Pamantasan Ng
Universitas Indonesia Jakarta. Memulai kariernya di Citibank NA University of Indonesia Jakarta. She started her career at Citibank NA dari Pamantasan Ng Lungsod Ng Maynila (University of the City of Lungsod Ng Maynila (University of the City of Manila, Philippines).
Jakarta sebagai EDP Trainee dan Marketing Officer pada tahun 1985- Jakarta as EDP Trainee and Marketing Officer in 1985-1986. And then Manila, Filipina).
1986. Kemudian selanjutnya berkarier di beberapa Bank seperti PT continued her career in several banks such as PT Bank Niaga Tbk in
Bank Niaga Tbk pada tahun 1986-2001, juga merangkap jabatan 1986-2001, also concurrently serving as President Commissioner/ Beliau memulai pengalaman 34 tahun di bidang keuangan di PT He started his 34 years of experience in financial sectors at PT
sebagai President Commissioner/ Commissioner pada beberapa Commissioner in several subsidiaries of PT Bank Niaga Tbk 2001- Bank Umum Nasional pada tahun 1988 sebagai Account Officer, Bank Umum Nasional in 1988 as Account Officer, and later he has
anak perusahaan PT Bank Niaga Tbk. Tahun 2001-2004 sebagai 2004 as Head of Consumer Business at PT Bank Danamon Tbk 2004- dan kemudian beliau memiliki eksposur yang luas di Branch Banking extensive exposures in Branch Banking during his services with PT
Head Of Consumer Business di PT Bank Danamon Tbk. Tahun 2004- 2005 as Senior Advisor at PT CIMB Niaga Tbk and 2005-2008 as selama bekerja di PT Bank Dagang Nasional Indonesia, PT Bank Dewa Bank Dagang Nasional Indonesia, PT Bank Dewa Rutji, PT Bank Panin
2005 sebagai Senior Advisor di PT CIMB Niaga Tbk dan tahun 2005- President Director of PT Saseka Gelora Finance (CIMB Niaga Group). Rutji, PT Bank Panin Tbk, dan PT Bank UOB Indonesia sampai dengan Tbk, and PT Bank UOB Indonesia until 2001.
2008 sebagai President Direktur PT Saseka Gelora Finance (CIMB 2008-2012 at PT Bank Mega Tbk as Head of Credit Business. From tahun 2001.
Niaga Group). Tahun 2008-2012 di PT Bank Mega Tbk sebagai Head 2012-2013, she served as Director at PT Bank ICB Bumiputera Tbk. In
of Credit Business. Selanjutnya pada tahun 2012-2013 menjabat 2013- 2018 as Director at PT Permodalan Nasional Madani Persero Dalam 15 tahun terakhir, beliau aktif berkecimpung di industri In the past 15 years, he has been actively involved in the financing
sebagai Direktur di PT Bank ICB Bumiputera Tbk. Pada tahun 2013- (BUMN) and concurrently as President Commissioner of PT Mitra perusahaan pembiayaan baik di perusahaan maupun asosiasi industry, both within companies and associations (IFSA), started
2018 sebagai Direktur di PT Permodalan Nasional Madani Persero Usaha Madani and Commissioner of PT Mitra Proteksi Mandani (APPI), dimulai pada tahun 2005 di PT Mandiri Tunas Finance di in 2005 at PT Mandiri Tunas Finance where he served as GM and
(BUMN) dan merangkap sebagai President Commissioner PT Mitra (PNM Group). Finally 2018 March 2022 as President Director at PT mana beliau menjabat sebagai GM dan VP Marketing, VP Credit - VP Marketing, VP Credit-Risk Management-Operations, and SVP
Usaha Madani dan Commissioner PT Mitra Proteksi Mandani (PNM Intan Baruprana Finance Tbk before finally joining PT Bank of India Risk Management - Operations, dan SVP Strategy and Performance Strategy and Performance Management. He also served in PT
Group). Terakhir 2018 Maret 2022 sebagai Direktur Utama di PT Indonesia Tbk. Management. Beliau juga pernah menjabat di PT Bentara Sinergies Bentara Sinergies Multifinance with his last position as Deputy
Intan Baruprana Finance Tbk sebelum akhirnya bergabung dengan Multifinance dengan jabatan terakhir sebagai Deputy Director Risk Director Risk Management and Compliance. He has also served as
PT Bank of India Indonesia Tbk. Management and Compliance. Beliau juga pernah menjabat sebagai Business Director in PT Bank Ganesha. His most recent position was
Direktur Bisnis di PT Bank Ganesha. Terakhir beliau menjabat sebagai as Designated Director at PT Woka International before joining PT
Dasar hukum pengangkatan Beliau sebagai Direktur Operasional The legal basis for his appointment as Operational Director is based Designated Director di PT Woka International sebelum akhirnya Bank of India Indonesia.
berdasarkan keputusan Rapat Umum Pemegang Saham Tahunan on the resolution of the Annual General Meeting of Shareholders on bergabung dengan PT Bank India Indonesia.
tanggal 28 Juni 2022 dan telah lulus Penilaian Kemampuan dan 28 June 2022 and his successful completion of the Fit and Proper Test
Kepatutan dari Otoritas Jasa Keuangan (OJK) berdasarkan surat conducted by the Financial Services Authority (OJK), as stated in the Dasar hukum pengangkatan beliau sebagai Direktur Kepatuhan The legal basis for his appointment as Compliance Director is based
keputusan Deputi Komisioner Pengawas Perbankan I OJK No. Kep- decision letter of the Deputy Commissioner for Banking Supervision berdasarkan keputusan Rapat Umum Pemegang Saham Tahunan on the resolution of the Annual General Meeting of Shareholders on
59/PB.1/2022 tanggal 31 Oktober 2022. Beliau juga merangkap I of OJK No. Kep-59/PB.1/2022 dated 31 October 2022. She also tanggal 28 Juni 2022 dan telah lulus Penilaian Kemampuan dan 28 June 2022 and his successful completion of the Fit and Proper Test
sebagai Sekretaris Perusahaan PT Bank of India Indonesia Tbk. Dasar concurrently serves as Corporate Secretary of PT Bank of India Kepatutan dari Otoritas Jasa Keuangan (OJK) berdasarkan surat conducted by the Financial Services Authority (OJK), as stated in the
hukum pengangkatannya sebagai Corporate Secretary adalah sesuai Indonesia Tbk. The legal basis for her appointment as Corporate keputusan Deputi Komisioner Pengawas Perbankan I OJK No. Kep- decision letter of the Deputy Commissioner for Banking Supervision
dengan Surat Keputusan Bank No.197/KP-HCT/SK/HSD/ XII/2022 Secretary is in accordance with the Bank’s Decree No.197/KP-HCT/ 47/PB.1/2022 tanggal 7 September 2022. I of OJK No. Kep-47/PB.1/2022 dated 7 September 2022.
tentang Penunjukan Corporate Secretary PT Bank of India Indonesia SK/HSD/ XII/2022 on the Appointment of Corporate Secretary of PT
Tbk tanggal 29 Desember 2022. Bank of India Indonesia Tbk dated December 29, 2022. Saat ini beliau tidak memiliki rangkap jabatan, baik sebagai anggota Currently he has no concurrent positions, either as a member of the
Direksi, Anggota Dewan Komisaris, dan/atau anggota Komite serta Board of Directors, Member of the Board of Commissioners, and/
Saat ini beliau tidak memiliki rangkap jabatan, baik sebagai anggota Currently he has no concurrent positions, either as a member of the jabatan lainnya baik di dalam maupun di luar Bank dan juga tidak or member of the Committee and other positions both inside and
Direksi, Anggota Dewan Komisaris, dan/atau anggota Komite serta Board of Directors, Member of the Board of Commissioners, and/ memiliki hubungan afiliasi dengan anggota Direksi lainnya, anggota outside the Bank and also has no affiliation with other members of
jabatan lainnya baik di dalam maupun di luar Bank dan juga tidak or member of the Committee and other positions both inside and Dewan Komisaris, Pemegang Saham Utama dan Pengendali baik the Board of Directors, members of the Board of Commissioners,
memiliki hubungan afiliasi dengan anggota Direksi lainnya, anggota outside the Bank and also has no affiliation with other members of langsung maupun tidak langsung sampai kepada pemilik individu, Major and Controlling Shareholders either directly or indirectly up to
Dewan Komisaris, Pemegang Saham Utama dan Pengendali baik the Board of Directors, members of the Board of Commissioners, serta tidak memiliki saham di Bank. individual owners, and does not own shares in the Bank.
langsung maupun tidak langsung sampai kepada pemilik individu, Major and Controlling Shareholders either directly or indirectly up to
serta tidak memiliki saham di Bank. individual owners, and does not own shares in the Bank.
PT BANK OF INDIA INDONESIA Tbk PT BANK OF INDIA INDONESIA Tbk
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CHANDRA SEKHAR MUKHERJEE RAHMAT HENDRATAMA
Direktur Bisnis Direktur Keuangan
Business Director Finance Director
Chandra Sekhar Mukherjee adalah warga Negara India, berusia Chandra Sekhar Mukherjee is an Indian citizen, 53 years old. He Rahmat Hendratama adalah Warga Negara Indonesia, berusia 49 Rahmat Hendratama is an Indonesian citizen, 49 years old. He earned
53 tahun, Beliau memperoleh B.COM jurusan Commerce dari obtained a Bachelor of Commerce (B.Com) degree in Commerce from tahun. Beliau memperoleh gelar Sarjana Ekonomi dari Universitas a Bachelor’s degree in Economics from Trisakti University in 1999
University of Calcutta pada tahun 1991 dan juga Certified Associate the University of Calcutta in 1991 and became a Certified Associate Trisakti pada tahun 1999 dan meraih gelar Master of Commerce in and obtained a Master of Commerce in Business from Macquarie
of Indian Institute of Bankers (CAIIB) tahun 2009. Memulai karier di of the Indian Institute of Bankers (CAIIB) in 2009. He began his career Business dari Macquarie University, Sydney, pada tahun 2002. University, Sydney, in 2002.
Bank of India sejak Maret 1992, dan telah bekerja di Bank of India at Bank of India in March 1992 and has worked with the Bank for
selama 30 tahun dengan berbagai posisi seperti Clerk, Credit Officer, 30 years, holding various positions such as Clerk, Credit Officer, Beliau memulai karier di industri perbankan sebagai Accounting He began his career in the banking industry as an Accounting Manager
Relationship Manager di Bank of India Mumbai Large Corporate Relationship Manager at Bank of India Mumbai Large Corporate Manager pada tahun 2002-2004 lalu menjabat sebagai Kepala Unit from 2002-2004 and then served as Head of Financial Reporting Unit
Branch, Chief Manager dan Head of SME Komite Kredit I dan anggota Branch, Chief Manager and Head of SME Credit Committee I and Financial Reporting pada tahun 2005-2010 di PT Bank Rabobank at PT Bank Rabobank International Indonesia from 2005-2010. In
Komite Kredit II, Asisten General Manager di Bank of India Bharat member of Credit Committee II, as well as Assistant General Manager International Indonesia. Pada tahun 2010-2011 beliau menjabat 2010-2011, he held the position of Head of Accounting, Reporting &
Diamond Bourse Branch, Mumbai North. at Bank of India Bharat Diamond Bourse Branch, Mumbai North. sebagai Kepala Departemen Accounting, Reporting & Tax di PT Bank Tax Department at PT Bank OCBC Indonesia. He then held several key
OCBC Indonesia. Selanjutnya, beliau menjabat beberapa posisi positions at MUFG Bank LTD Jakarta, including Head of Managerial
Dasar Hukum perubahan nomenklatur jabatan beliau yang semula The legal basis for the change in the nomenclature of his position from penting di MUFG Bank LTD Jakarta seperti Kepala Unit Managerial Accounting Unit and Head of Corporate Business Planning Unit from
bernama Direktur Kredit dan International Banking menjadi Direktur Credit and International Banking Director to Business Director is the Accounting dan Kepala Unit Corporate Business Planning pada 2011- 2011-2015, Head of Planning Department in 2015-2016, and Head
Bisnis berdasarkan keputusan Rapat Umum Pemegang Saham resolution of the Extraordinary General Meeting of Shareholders held 2015, lalu Kepala Departemen Planning pada tahun 2015-2016, dan of Investment Banking Development Department from 2015-2020.
Luar Biasa tanggal 27 Desember 2024. Beliau diangkat pertama on December 27, 2024. He was first appointed as Director of PT Bank Kepala Departemen Investment Banking Development pada tahun Subsequently, he served as Head of Finance Planning Division at PT
kali sebagai Direktur PT Bank of India Indonesia Tbk berdasarkan of India Indonesia Tbk based on the resolution of the Extraordinary 2015-2020. Kemudian beliau menjabat sebagai Kepala Divisi Finance Bank KEB Hana Indonesia from 2020-2024
keputusan Rapat Umum Pemegang Saham Luar Biasa tanggal General Meeting of Shareholders on November 15, 2022, and has Planning di PT Bank KEB Hana Indonesia pada tahun 2020-2024.
15 November 2022 dan telah lulus Penilaian Kemampuan dan passed the Fit and Proper Test from the Financial Services Authority
Kepatutan dari Otoritas Jasa Keuangan (OJK) berdasarkan surat (OJK) pursuant to the Decree of the Member of the Board of Dasar hukum pengangkatan beliau sebagai Direktur Keuangan PT The legal basis for his appointment as Finance Director of PT Bank
Keputusan Anggota Dewan Komisioner OJK No. KEPR-5/D.03/2023 Commissioners of OJK No. KEPR-5/D.03/2023 dated March 20, 2023. Bank of India Indonesia Tbk berdasarkan keputusan Rapat Umum of India Indonesia Tbk is the resolution of the Extraordinary General
tanggal 20 Maret 2023. Pemegang Saham Luar Biasa tanggal 27 Desember 2024 dan telah Meeting of Shareholders held on December 27, 2024, and he has
lulus Penilaian Kemampuan dan Kepatutan dari Otoritas Jasa passed the Fit and Proper Test from the Financial Services Authority
Saat ini beliau tidak memiliki rangkap jabatan, baik sebagai anggota He currently does not hold any concurrent positions as a member Keuangan (OJK) berdasarkan Surat Keputusan Kepala Departemen (OJK) pursuant to the Decree of the Head of the Banking Licensing
Direksi, Anggota Dewan Komisaris, dan/atau anggota Komite serta of the Board of Directors, member of the Board of Commissioners, Perizinan dan Manajemen Krisis Perbankan OJK No. KEPR-4/ and Crisis Management Department of OJK No. KEPR-4/PB.02/2025
jabatan lainnya baik di dalam maupun di luar Bank dan juga tidak and/or member of any committees or other positions, either within PB.02/2025 tanggal 17 Maret 2025. dated March 17, 2025.
memiliki hubungan afiliasi dengan anggota Direksi lainnya, anggota or outside the Bank. He also has no affiliation with other members of
Dewan Komisaris, Pemegang Saham Utama dan Pengendali baik the Board of Directors, Board of Commissioners, or the Bank’s major Saat ini beliau tidak memiliki rangkap jabatan, baik sebagai anggota He currently holds no concurrent positions as a member of the
langsung maupun tidak langsung sampai kepada pemilik individu, and controlling shareholders either directly or indirectly to individual Direksi, anggota Dewan Komisaris, dan/atau anggota Komite serta Board of Directors, member of the Board of Commissioners, and/
serta tidak memiliki saham di Bank. owners and does not own any shares in the Bank. jabatan lainnya, baik di dalam maupun di luar Bank. Beliau juga tidak or member of any committees or other positions, either within or
memiliki hubungan afiliasi dengan anggota Direksi lainnya, anggota outside the Bank. He also has no affiliation with other members of
Dewan Komisaris, Pemegang Saham Utama dan Pengendali baik the Board of Directors, Board of Commissioners, the Bank’s major
langsung maupun tidak langsung sampai kepada pemilik individu, and controlling shareholders either directly or indirectly to individual
serta tidak memiliki saham di Bank. owners and does not own any shares in the Bank.
PT BANK OF INDIA INDONESIA Tbk PT BANK OF INDIA INDONESIA Tbk
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TABEL RANGKAP JABATAN DEWAN KOMISARIS DAN DIREKSI PROFIL PEJABAT EKSEKUTIF
CONCURRENT POSITIONS OF THE BOARD OF COMMISSIONERS AND THE BOARD OF DIRECTORS EXECUTIVE OFFICERS PROFILE
Nama / Name
Jabatan Perseroan / Position in the
company
Jabatan di Bank Lain /
Position in other Bank
Jabatan di Perusahaan Lain /
Position in other company
ROBBY CHAIYADI ROBBY CHAIYADI
Kepala Divisi Bisnis Head of Business Division
Dewan Komisaris / Board of Commissioners Robby Chaiyadi, Warga Negara Indonesia berusia 53 tahun. Robby Chaiyadi, Indonesian citizen aged 53. He received his
Komisaris Utama
Beliau mendapat pendidikan terakhir Sarjana Ekonomi Bachelor of Economics from Tridharma University Balikpapan
Sudhiranjan Padhi - - Universitas Tridharma Balikpapan tahun 1996. Memulai karier in 1996. Started his banking career as Business Manager at PT
President Commissioner
di bidang perbankan sebagai Business Manager di PT Bank Bank Bali Balikpapan (1992–2003), Branch Manager at PT Bank
Komisaris Independen
Handadjaja Sulaiman - √ Bali Balikpapan (1992-2003), Branch Manager di PT Bank Ekonomi Raharja Malang (2003), Branch Manager at PT Bank
Independent Commissioner
Ekonomi Raharja Malang (2003), Branch Manager di PT Bank NISP Balikpapan (2003-2008), Business Lending Manager at PT
Lungguk Gultom
Komisaris Independen
- -
NISP Balikpapan (2003-2008), Business Lending Manager di PT Commonwealth Bank Surabaya (2008–2012), SME Head at PT
Independent Commissioner Commonwealth Bank Surabaya (2008–2012), SME Head di PT Bank MNC Internasional Jakarta (2012–2016), and SAM West
Direksi / Board of Directors Bank MNC Internasional Jakarta (2012–2016), dan SAM West Region Head at PT Bank MNC Internasional Jakarta (2016-2017).
Region Head di PT Bank MNC Internasional Jakarta (2016-2017). Currently serves as the Head of Business Bureau (now the
Direktur Utama*) Saat ini menjabat sebagai Kepala Biro Bisnis (sekarang berganti Business Division) at PT Bank of India Indonesia Tbk sejak tahun
President Director*)
Jayaprakash Bharathan - - nama menjadi Divisi Bisnis) PT Bank of India Indonesia Tbk sejak 2017.
Wakil Direktur Utama**) tahun 2017.
Vice President Director**)
Carolina Dina Rusdiana Direktur Operasional - -
Operational Director
ARIFIN SISWIDODO ARIFIN SISWIDODO
Dennis Kusuma Halim Direktur Kepatuhan
Compliance Director - - Kepala Divisi Manajemen Risiko dan Kepatuhan Head of Risk Management and Compliance Division
Arfin Siswidodo, Warga Negara Indonesia berusia 52 tahun. Arifin Siswidodo, Indonesian citizen aged 52. He received
Chandra Sekhar Mukherjee Direktur Bisnis - -
Business Director Beliau mendapat pendidikan terakhir Sarjana Ekonomi jurusan a Bachelor of Economics majoring in Accounting from STIE
Akuntansi di STIE Indonesia Membangun (Inaba) tahun 1999. Indonesia Membangun (Inaba) in 1999. He started his banking
RM Raharjo Satrio Unggul Direktur Utama**) - -
President Director**) Memulai karier di bidang perbankan di PT Bank Resona Perdania career in PT Bank Resona Perdania in 1991, Finance and
pada tahun 1991, Finance and Accounting Manager di CV Entitas Accounting Manager at CV Entitas Mega Utama Properti, and
Direktur Keuangan***)
Rahmat Hendratama Finance Director***) - - Mega Utama Properti dan melanjutkan karier perbankannya continued his banking career at PT Bank Nusantara Parahyangan
di PT Bank Nusantara Parahyangan Tbk, kemudian di PT Bank Tbk, then PT Bank Fama International (2010-2022). Currently
Fama International (2010-2022). Saat ini menjabat sebagai serves as the Head of Risk Management and Compliance Division
*) Efektif menjabat sebagai Direktur Utama pada tanggal 14 Oktober 2024.
*) Effective as President Director as of October 14, 2024. Kepala Divisi Manajemen Risiko dan Kepatuhan PT Bank of India of PT Bank of India Indonesia Tbk since 2023.
**) Masa jabatan efektif berakhir pada tanggal 27 Juni 2024.
**) The effective term of office ends on June 27, 2024.
Indonesia Tbk sejak tahun 2023.
***) Efektif menjabat sebagai Direktur Keuangan pada tanggal 17 Maret 2025.
***) Effective as Finance Director as of March 17, 2025.
ERMA RUMADJA ERMA RUMADJA
Kepala Divisi Perencanaan Perusahaan dan Produk Head of Corporate Planning and Product Division
Erma Rumadja, Warga Negara Indonesia berusia 51 tahun. Erma Rumadja, Indonesian citizen aged 51. She received her
Beliau mendapat pendidikan terakhir Magister Manajemen Masters of Management from Universitas Indonesia in 2005.
di Universitas Indonesia tahun 2005. Memulai karier di bidang She started her banking career as Manager Strategic Planning
perbankan sebagai Manager Strategic Planning - Corporate - Corporate Planning at PT Bank CIMB Niaga Tbk (2005-2011),
Planning di PT Bank CIMB Niaga Tbk (2005- 2011), Manager Manager Business Strategy and Performance Management
Business Strategy and Performance Management – Business - Business Banking at PT Bank CIMB Niaga Tbk (2011-2012),
Banking di PT Bank CIMB Niaga Tbk (2011-2012), kemudian then Head of Corporate Planning Department at PT Bank
Kepala Departemen Corporate Planning di PT Bank Sahabat Sahabat Sampoerna (2012-2017). Currently serves as the Head
Sampoerna (2012–2017). Saat ini menjabat sebagai Kepala Divisi of Corporate Planning and Product Division at PT Bank of India
Corporate Planning dan Product PT Bank of India Indonesia Tbk Indonesia Tbk since 2018.
sejak tahun 2018.
SANTOSO PRIBADI SANTOSO PRIBADI
Kepala Divisi Akunting dan Pelaporan Head of Accounting and Reporting Division
Santoso Pribadi, Warga Negara Indonesia berusia 46 tahun. Santoso Pribadi, Indonesian citizen aged 46. He received his
Beliau mendapat pendidikan terakhir Magister di Sekolah Masters at Sekolah Tinggi Manajemen Prasetiya Mulya. He spent
Tinggi Manajemen Prasetiya Mulya. Sebagian besar karier most of his career at PT Bentara Sinergies Multifinance with
Beliau dihabiskan di PT Bentara Sinergies Multifinance dengan his last position being Bank Relationship General Manager. He
posisi terakhir sebagai Bank Relationship General Manager. started his career at PT Bank of India Indonesia Tbk in December
Beliau mengawali karier di PT Bank of India Indonesia Tbk pada 2022 as the Head of Risk Management. Currently serves as the
Desember 2022 sebagai Kepala Unit Manajemen Risiko. Saat ini Head of Accounting and Reporting Division since September
menjabat sebagai Kepala Divisi Akunting dan Pelaporan sejak 2024.
September 2024.
PT BANK OF INDIA INDONESIA Tbk PT BANK OF INDIA INDONESIA Tbk
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HARY SURYAWAN DWIPUTRA HARY SURYAWAN DWIPUTRA ANURAG SINGH ANURAG SINGH
Kepala Divisi Operasional Head of Operational Division Kepala Divisi Perbendaharaan Head of Treasury Division
Hary Suryawan Dwiputra, Warga Negara Indonesia berusia 53 Hary Suryawan Dwiputra, an Indonesian citizen, aged 53. He Anurag Singh, Warga Negara India berusia 37 tahun. Beliau Anurag Singh, Indian citizen aged 37. He received his Bachelor
tahun. Beliau mendapat pendidikan terakhir sebagai Sarjana received his Bachelor of Economics from Universitas Indonesia memperoleh pendidikan terakhir Sarjana di Bidang Sains di HNB of Science from HNB Garhwal University in 2008. After starting
Ekonomi di Universitas Indonesia tahun 1998. Memulai karier in 1998. He began his banking career as an Account Officer at Garhwal University tahun 2008. Setelah memulai karier di Bank his career at Bank of India as an Officer in 2011, Anurag Singh
di bidang perbankan sebagai Account Officer di PT Bank PT Bank Swadesi Tbk in 1993, then served as Branch Manager of India sebagai Officer pada tahun 2011, Anurag Singh terus has continued to demonstrate his dedication and competence.
Swadesi Tbk sejak tahun 1993, kemudian menjabat sebagai of Mayjen Sungkono Sub-Branch – Surabaya (2005-2007). He menunjukkan dedikasi dan kompetensinya. Berkat prestasinya, Thanks to his achievements, he has managed to reach the
Pimpinan Cabang Pembantu Mayjen Sungkono – Surabaya held managerial positions at several branches of PT Bank of India ia berhasil mencapai posisi Chief Manager pada tahun 2022 position of Chief Manager in 2022 until now. He has served as a
(2005-2007). Beliau menduduki posisi Pimpinan di beberapa Indonesia Tbk (2007-2022) and later served as Head of Human hingga saat ini. Beliau menjabat sebagai Tenaga Kerja Asing Foreign Worker (TKA) occupying the position of Head of Treasury
cabang PT Bank of India Indonesia Tbk (2007-2022) dan Capital Services Division (2022-2024). He currently serves as (TKA) menempati posisi Kepala Divisi Treasury PT Bank of India Division of PT Bank of India Indonesia Tbk since obtaining OJK
Kepala Divisi Human Capital Services (2022-2024). Saat ini Head of Operations Division since October 2024. He served as a Indonesia Tbk sejak mendapatkan persetujuan OJK melalui surat approval through letter No. S-42/PB.32/2023 dated May 11,
menjabat sebagai Kepala Divisi Operasional sejak Oktober Member of the Remuneration and Nomination Committee until No. S-42/PB.32/2023 tanggal 11 Mei 2023. 2023.
2024. Beliau menjabat sebagai Anggota Komite Remunerasi dan September 2024.
Nominasi hingga September 2024.
DWI ANITA KURNIASIH DWI ANITA KURNIASIH
Kepala Divisi Human Capital Head of Human Capital Division
MUHAMMAD CHOTIB MUHAMMAD CHOTIB Dwi Anita Kurniasih, Warga Negara Indonesia berusia 43 tahun. Dwi Anita Kurniasih, Indonesian citizen aged 43. She received her
Kepala Divisi Credit Support Head of Credit Support Division Beliau mendapat pendidikan terakhir sebagai Sarjana Ekonomi Bachelor of Economics in Accounting from Universitas Trisakti in
Muhammad Chotib, Warga Negara Indonesia berusia 54 tahun. Muhammad Chotib, Indonesian citizen aged 54. He earned his Akuntansi di Universitas Trisakti tahun 2004. Mengawali karier 2004. She began her career as the accounting staff at PT Caraka
Beliau mendapat pendidikan terakhir Doktor Ilmu Hukum Doctorate in Law from Universitas Islam Negeri Bandung in 2018. sebagai staf Akunting di PT Caraka Tirta Perkasa (2004-2005), Tirta Perkasa (2004-2005), then served as an HR Business Partner
Universitas Islam Negeri Bandung tahun 2018. Beliau memulai He started his career in law in 1993 and worked as a professor kemudian Beliau menjabat sebagai HR Business Partner di at PT Bank CIMB Niaga Tbk (2005-2010). She worked at PT Bank
PT Bank CIMB Niaga Tbk (2005-2010), dan bekerja di PT Bank UOB Indonesia (2010-2018) with her last position as HR Business
kariernya di bidang hukum pada tahun 1993 dan bekerja sebagai in Universitas Satyagama Jakarta in 1995. He started his banking
UOB Indonesia (2010-2018) dengan jabatan terakhir sebagai Partner Head for Wholesale & Global Market. She currently
dosen di Universitas Satyagama Jakarta pada tahun 1995. career as a Ligitation and Legal Officer at Bank Yudha Bakti (1997)
HR Business Partner Head for Wholesale & Global Market. serves as Head of the Human Capital Division at PT Bank of
Memulai karier di bidang perbankan sebagai Litigasi dan Legal and Head of a Sub Branch at Bank Syariah Mandiri (2000-2016). India Indonesia Tbk since October 2024. She was appointed as
Saat ini menjabat sebagai Kepala Divisi Human Capital di
Officer di Bank Yudha Bhakti (1997) dan Pimpinan Cabang di Currently serves as the Head of Credit Support Division at PT PT Bank of India Indonesia Tbk sejak bulan Oktober tahun a Member of the Remuneration and Nomination Committee
Bank Syariah Mandiri (2000-2016). Saat ini menjabat sebagai Bank of India Indonesia Tbk since 2016. 2024. Dasar hukum pengangkatan beliau sebagai Anggota based on the Board of Directors Decree No.088/KP-HCS/INT/SK/
Kepala Divisi Credit Support di PT Bank of India Indonesia Tbk Komite Remunerasi dan Nominasi berdasarkan Surat Keputusan HSD/IX/2024 dated September 27, 2024.
sejak tahun 2016. Direksi No.088/KP-HCS/INT/SK/HSD/IX/2024 tanggal 27 September
2024.
SITI YANTI E. GULTOM SITI YANTI E. GULTOM
Kepala Divisi Audit Intern Head of Internal Audit Division ARIEF BUDI WINARTO ARIEF BUDI WINARTO
Kepala Divisi Cyber Security Head of Cyber Security Division
Siti Yanti E. Gultom, Warga Negara Indonesia berusia 55 Siti Yanti E. Gultom, Indonesian citizen aged 55. She received her
tahun. Beliau mendapat pendidikan terakhir Sarjana Ekonomi Bachelor of Economics from Gadjah Mada University, Yogyakarta Arief Budi Winarto, Warga Negara Indonesia, berusia 39 tahun. Arief Budi Winarto, Indonesian citizen aged 39. He received
Universitas Gadjah Mada, Yogyakarta tahun 1992. Memulai in 1992. Started her banking career as Product Officer at PT Bank Memperoleh gelar Magister of Information Technology di Universitas his Master of Information Technology from the University of
karier di bidang perbankan sebagai Product Officer di PT Bank Umum Nasional sejak tahun 1993, and then pursued a career Indonesia pada tahun 2012. Beliau memulai kariernya di industri Indonesia in 2012. Started his career in the IT industry as IT
Umum Nasional sejak tahun 1993, kemudian meniti karier di TI pada tahun 2008 sebagai IT Security Engineer PT Binaryworks Security Engineer at PT Binaryworks Indonesia (2008–2012),
in several banks with positions ranging from Account Officer,
beberapa bank dengan posisi mulai dari Account Officer, Team Indonesia sebelum kemudian menempati berbagai posisi strategis before holding various strategic positions in several banks. He
Team Leader, and Branch Manager. She joined PT Bank of India
Leader, dan Branch Manager. Beliau bergabung dengan PT Bank di beberapa bank dan memiliki pengalaman lebih dari 14 tahun has over 14 years of experience in information technology and
of India Indonesia Tbk sebagai Kepala Divisi Kredit Korporasi Indonesia Tbk as Head of Corporate Credit Division in 2015, Head di industri teknologi informasi dan 8 tahun di bidang keamanan 8 years in cybersecurity. In 2024, he joined PT Bank of India
pada tahun 2015, menjabat sebagai Kepala Divisi Analisis Kredit of Credit Analysis Division (2016-2021) and Head of Internal siber. Pada tahun 2024 beliau melanjutkan karir di PT Bank of India Indonesia Tbk as Head of the Cyber Security Division, a position
(2016-2021) dan Kepala Divisi Pengendalian Intern (2021-2022). Control Division (2021-2022). Currently serves as the Head of Indonesia Tbk sebagai Kepala Divisi Cyber Security hingga saat ini. he holds to this day.
Saat ini menjabat sebagai Kepala Divisi Audit Intern sejak tahun Internal Audit Division since 2022.
2022.
AJAY KAPOOR AJAY KAPOOR
Kepala Divisi IT Head of IT Division
Ajay Kapoor, Warga Negara India berusia 41 tahun. Beliau Ajay Kapoor, Indian citizen aged 41. He received his Bachelor of
mendapat pendidikan terakhir Sarjana Teknologi (B.Tech.) di Technology (B.Tech.) in Computer Science and Engineering in
bidang Ilmu Komputer dan Teknik pada tahun 2005 dan gelar 2005 and an MBA in Information Systems from Sikkim Manipal
MBA di bidang Sistem Informasi dari Sikkim Manipal University University in 2015. He started his banking career in 2006 at
pada tahun 2015. Memulai karier di bidang perbankan pada National Informatics Center, then Computer Officer in Bank
tahun 2006 di National Informatics Center, kemudian Computer of India in 2009. With various positions in the Bank, including
Officer di Bank of India pada tahun 2009. Dengan berbagai Manager and Chief Manager, he has demonstration his expertise
jabatan di Bank, termasuk Manajer dan Chief Manager, Beliau with credentials such as CISA, CISM, CISSP, and PMP. In 2018, he
telah menunjukkan keahliannya dengan kredensial seperti CISA, became the Chief Manager at Bank of India until now. He has
CISM, CISSP, dan PMP. Pada tahun 2018, beliau menjadi Chief served as a Foreign Worker (TKA) in the position of Head of IT
Manager di Bank of India hingga saat ini. Beliau menjabat sebagai Division of PT Bank of India Indonesia Tbk since obtaining OJK
Tenaga Kerja Asing (TKA) menempati posisi Kepala Divisi IT PT approval through letter No. S-42/PB.32/2023 dated May 11,
Bank of India Indonesia Tbk sejak mendapatkan persetujuan OJK 2023.
melalui surat No. S-42/PB.32/2023 tanggal 11 Mei 2023.
PT BANK OF INDIA INDONESIA Tbk PT BANK OF INDIA INDONESIA Tbk
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PIMPINAN CABANG PUTU DIYAH AYU PITALOKA PUTU DIYAH AYU PITALOKA
BRANCH MANAGERS Pimpinan Cabang Denpasar Branch Manager of Denpasar
Putu Diyah Ayu Pitaloka, Warga Negara Indonesia berusia 43 Putu Diyah Ayu Pitaloka, Indonesian citizen aged 43. She earned
tahun. Beliau meraih gelar Sarjana Ekonomi (SE) pada tahun her Bachelor of Economics (SE) in 2006. She began her banking
2006. Memulai karier di bidang perbankan sebagai Marketing career as a Marketing Officer at Citibank Indonesia (2005–2006)
IBRAHIM IMAN UTOMO IBRAHIM IMAN UTOMO Officer di Citibank Indonesia (2005–2006) sebelum bergabung before joining PT Bank Danamon Indonesia Tbk as a Personal
Pimpinan Cabang Samanhudi Branch Manager of Samanhudi dengan PT Bank Danamon Indonesia Tbk sebagai Personal Banking Officer (2007–2010), Relationship Manager (2011–
Ibrahim Iman Utomo, Warga Negara Indonesia berusia 42 tahun. Ibrahim Iman Utomo, Indonesian citizen aged 42. He received Banking Officer (2007–2010), Relationship Manager (2011– 2017), and later Branch Manager (2018–2019). She subsequently
Beliau mendapatkan pendidikan terakhir Sarjana Ekonomi a Bachelor of Economics from Trisakti University in 2003. He 2017), dan kemudian menjadi Pimpinan Cabang (2018–2019). served as Assistant Branch Manager at PT Bank Sinarmas Tbk
di Universitas Trisakti tahun 2003. Memulai karier di bidang started his banking career as Account Officer at Bank Rakyat Beliau kemudian menjabat sebagai Pimpinan Cabang Pembantu (2021–2022) and as Deputy Branch Manager at PT Bank of India
perbankan sebagai Account Officer di Bank Rakyat Indonesia Indonesia (2004-2010), Operational Manager at Bank Rakyat di PT Bank Sinarmas Tbk (2021–2022), dan sebagai Wakil Kepala Indonesia Tbk (April–October 2023). She is currently serving as
(2004-2010), Manajer Operasional di Bank Rakyat Indonesia Indonesia (2011-2012), Sub Branch Manager at Bank Rakyat Cabang di PT Bank of India Indonesia Tbk (April–Oktober 2023). the Branch Manager of Denpasar since June 2024.
(2011-2012), Sub Branch Manager di Bank Rakyat Indonesia Indonesia (2013-2015), then Branch Manager of Mangga Dua at Saat ini, beliau menjabat sebagai Pimpinan Cabang Denpasar
(2013-2015), kemudian Pimpinan Cabang Mangga Dua di PT PT Bank of India Indonesia Tbk (2016-2022). Currently serves as sejak bulan Juni 2024.
Bank of India Indonesia Tbk (2016-2022). Saat ini menjabat the Branch Manager of Samanhudi since 2022.
sebagai Pimpinan KPO Samanhudi sejak 2022.
INDARMAWAN INDARMAWAN
Pimpinan Cabang Medan Branch Manager of Medan
PUTU PUSPITHA SARASWATI PUTU PUSPITHA SARASWATI Indarmawan, Warga Negara Indonesia berusia 41 tahun. Beliau Indarmawan, Indonesian citizen aged 41. He obtained his
Pimpinan Cabang Mangga Dua Branch Manager of Mangga Dua memperoleh gelar Sarjana Komputer dari Institut Teknologi Bachelor’s degree in Computer Science from the International
Putu Puspitha Saraswati, Warga Negara Indonesia berusia 31 Putu Puspitha Saraswati, Indonesian citizen aged 31. She Manajemen Internasional (ITMI) pada tahun 2006. Memulai Management Technology Institute (ITMI) in 2006. His career
tahun. Beliau mendapatkan pendidikan terakhir Sarjana Sistem received her Bachelor’s in Information Systems from Telkom karier sebagai Officer di PT Industri Karet Deli (2001–2003), began at PT Industri Karet Deli as an Officer (2001–2003),
Informasi dari Universitas Telkom tahun 2015. Memulai karier di University in 2015. Strated her banking career as an Acquisition kemudian sebagai Account Officer di Standard Chartered Bank followed by a role as an Account Officer at Standard Chartered
bidang perbankan sebagai Acquisition Officer di Bank Danamon Officer at Bank Danamon Indonesia (2015-2016), Relationship (2003–2005). Beliau kemudian menjabat sebagai Senior Sales Bank (2003–2005). He later held the position of Senior Sales
Indonesia Tbk (2015-2016), Relationship Management Trainee di Management Trainee at Bank Commonwealth (2016-2019), then Marketing Manager di HSBC (2005–2008) sebelum menjadi Marketing Manager at HSBC (2005–2008) before becoming
Bank Commonwealth (2016-2019), kemudian Branch Manager di Branch Manager at Bank Sinarmas (2019-2023). Currently serves Pimpinan Cabang di PT Bank Maspion (2009–2010). Saat ini Branch Manager at PT Bank Maspion (2009–2010). Currently
Bank Sinarmas (2019-2023). Saat ini menjabat sebagai Pimpinan as the Branch Manager of Mangga Dua, Jakarta PT Bank India menjabat sebagai Pimpinan Cabang Medan di PT Bank of India serving as the Branch Manager of PT Bank of India Indonesia Tbk
Cabang Mangga Dua Jakarta PT Bank India Indonesia Tbk sejak Indonesia Tbk since 2023. Indonesia Tbk sejak tahun 2010. in Medan since 2010.
tahun 2023.
VACANT VACANT
TJONG INDRIHARTINI TJONG INDRIHARTINI Pimpinan Cabang Makassar Branch Manager of Makassar
Pimpinan Cabang Tunjungan Branch Manager of Tunjungan
Tjong Indrihartini, Warga Negara Indonesia berusia 54 tahun. Tjong Indrihartini, Indonesian citizen aged 54. She graduated RAHMAT IRFAN ARFI RAHMAT IRFAN ARFI
Beliau lulus dari Universitas 17 Agustus 1945 pada tahun 1997. from Universitas 17 Agustus 1945 in 1997. She began her banking Pimpinan Cabang Bandung Branch Manager of Bandung
Memulai karier di bidang perbankan di PT Bank Tamara Tbk career at PT Bank Tamara Tbk, with her last position as Account
dengan jabatan terakhir sebagai Account Officer (1991-1998) Officer (1991–1998), and worked at PT Asuransi AIA Indonesia Rahmat Irfan Arfi, Warga Negara Indonesia berusia 44 tahun. Rahmat Irfan Arfi, Indonesian citizen aged 44. He earned his
dan berkarir di PT Asuransi AIA Indonesia sebagai Agen Asuransi as an Insurance Agent (2002–2007). She served as Account Beliau meraih gelar Magister Manajemen Bisnis dari Institut Master’s degree in Business Management from Bandung
(2002-2007). Beliau menjabat sebagai Account Manager di Bank Manager at Bank Harda International Tbk (2007), then continued Teknologi Bandung pada tahun 2008. Memulai karier di bidang Institute of Technology in 2008. He began his banking career in
Harda International Tbk (2007), kemudian melanjutkan karir di her career at PT Bank Royal Indonesia, with her last position as perbankan melalui Program Pendidikan Eksekutif Bank Niaga the Executive Education Program at Bank Niaga (2005) before
PT Bank Royal Indonesia dengan jabatan terakhir sebagai Kepala Branch Manager of Surabaya (2007–2020), and later worked at (2005) sebelum menjadi Account Officer Commercial Banking becoming an Account Officer in Commercial Banking at Bank
Cabang Surabaya (2007-2020) dan berkarir di PT Bank Ganesha PT Bank Ganesha Tbk, with her last position as Branch Manager di Bank Niaga (2006–2008). Kemudian menjabat sebagai Team Niaga (2006–2008). He later served as Team Leader for SME
Tbk dengan jabatan terakhir sebagai Kepala Cabang Pantai Indah of Pantai Indah Kapuk, Jakarta (2020–2024). Currently serves as Leader SME Banking di CIMB Niaga, Cabang Bandung (2008– Banking at CIMB Niaga, Bandung Branch (2008–2011), and as
Kapuk Jakarta. Saat ini menjabat sebagai Pimpinan Cabang the Branch Manager of Tunjungan at PT Bank of India Indonesia 2011), dan sebagai Business Manager SME Banking di CIMB Business Manager for SME Banking at CIMB Niaga, Main Branch
Tunjungan di PT Bank of India Indonesia Tbk sejak bulan Mei Tbk since May 2024. Niaga, Cabang Utama Bandung (2011–2016). Saat ini menjabat Bandung (2011–2016). Currently serving as the Branch Manager
2024. sebagai Pimpinan Cabang Bandung di PT Bank of India Indonesia of PT Bank of India Indonesia Tbk in Bandung since 2016.
Tbk sejak tahun 2016.
MARTHANIA PRATIWI MARTHANIA PRATIWI
Pimpinan Cabang Coklat Branch Manager of Coklat
Marthania Pratiwi, Warga Negara Indonesia berusia 42 tahun. Marthania Pratiwi, an Indonesian citizen aged 42. She received
Beliau memperoleh gelar Sarjana Ekonomi dari UPN Veteran her Bachelor of Economics from UPN Veteran East Java in
Jawa Timur pada tahun 2004. Memulai karier di bidang 2004. She began her banking career as a Teller at PT Anglomas
perbankan sebagai Teller di PT Anglomas Internasional Bank Internasional Bank (2005), Teller at PT Bank of India Indonesia
(2005), Teller di PT Bank of India Indonesia Tbk (2011), Account Tbk (2011), Account Officer (2011-2021), and Head of Wiyung
Officer (2011-2021), dan Pimpinan Cabang Wiyung (2021-2022). Branch (2021-2022). Currently serves as the Branch Manager of
Saat ini menjabat sebagai Pimpinan Cabang Coklat sejak 2022. Coklat Branch since 2022.
PT BANK OF INDIA INDONESIA Tbk PT BANK OF INDIA INDONESIA Tbk
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Profil Bank
Bank Profile
SUMBER DAYA MANUSIA
HUMAN RESOURCES
Tabel Komposisi Karyawan Menurut Jenjang Jabatan / Employees Composition Referring to Positions Table
Berdasarkan Jenjang Jabatan / Position Level 2024 2023
Jabatan / Position Jumlah / Total Persentase / Percentage (%) Jumlah / Total Persentase / Percentage (%)
Direksi / Directors 4 1,77 5 2,17
Manajer / Manager 18 7,96 18 7,89
Supervisor / Supervisors 49 21,68 44 19,13
Staf / Staffs 129 57,08 134 58,26
Non-Staf / Non-Staffs 26 11,50 29 12,61
TOTAL 226 100,00 230 100,00
Tabel Komposisi Direksi dan Karyawan Menurut Jenjang Pendidikan / Employees Composition Referring to Education Table
Berdasarkan Pendidikan / Education Level 2024 2023
Pendidikan / Education Jumlah / Total Persentase / Percentage (%) Jumlah / Total Persentase / Percentage (%)
S3 / Doctoral Degree 1 0,44 1 0,43
S2 / Master Degree 11 4,87 9 3,91
S1 / Bachelor Degree 145 64,16 147 63,91
D1,D2,D3 / Diploma 23 10,18 24 10,43
SMA/SMK / High School 42 18,58 44 19,13
SMP / Junior High School 4 1,77 4 1,74
SD / Elementary School - - 1 0,43
TOTAL 226 100,00 230 100,00
Tabel Komposisi Direksi dan Karyawan Menurut Jenjang Usia / Employees Composition Referring to Ages Table
Berdasarkan Usia / Age Group 2024 2023
Usia / Ages Jumlah / Total Persentase / Percentage (%) Jumlah / Total Persentase / Percentage (%)
S/D 30 / S/D 30 43 19,03 46 20,00
31-40 / 31-40 61 26,99 59 25,65
41-60 / 41-60 121 53,54 123 53,48
> 60 / > 60 1 0,44 2 0,87
TOTAL 226 100,00 230 100,00
Tabel Komposisi Berdasarkan Jenis Kelamin / Composition Gender Table
Berdasarkan Jenis Kelamin / Gender 2024 2023
Jenis Kelamin / Gender Jumlah / Total Persentase / Percentage (%) Jumlah / Total Persentase / Percentage (%)
Pria / Male 120 53,10 123 53,48
Wanita / Female 106 46,90 107 46,52
TOTAL 226 100,00 230 100,00
Tabel Keberagaman Manajemen dan Independensi / Management Diversity and Independence Table
Tipe Manajemen Perusahaan / Jumlah Pihak Independen /
Pria / Male Perempuan / Female
Corporate Management Type Number of Independent Parties
Komisaris / Commissioner 3 - 2
Direksi / Director 4 1 5
PT BANK OF INDIA INDONESIA Tbk PT BANK OF INDIA INDONESIA Tbk
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Profil Bank
Bank Profile
Tabel Jumlah Karyawan Menurut Lokasi Kerja di Tahun 2024 / Total Employees Referring to Working Location in 2024 Table Sepanjang tahun 2024, pengembangan SDM terus dilakukan Throughout 2024, HR development continues to be carried
oleh Bank melalui berbagai program pendidikan/pelatihan yang out by the Bank through various education/training programs
Berdasarkan Lokasi Kerja / Working Location 2024 2023 bertujuan untuk meningkatkan keterampilan dan kompetensi aimed at improving HR skills and competencies, both through
Lokasi / Location Jumlah / Total
Persentase /
Jumlah / Total
Persentase / SDM, baik melalui inhouse training maupun public training in-house training and public training, especially mandatory
Percentage (%) Percentage (%)
terutama pendidikan/pelatihan yang bersifat mandatory. Bank education/training. The Bank is committed to developing the
Kantor Pusat / Head Office 95 42,04 95 41,30 berkomitmen mengembangkan kompetensi seluruh SDM competency of all HR by providing equal opportunities to be
Kantor Cabang Samanhudi / Branch Office Samanhudi 29 12,83 33 14,35 dengan memberikan kesempatan yang sama untuk dapat able to participate in competency development programs held
Kantor Cabang Mangga Dua / Branch Office Mangga Dua 5 2,21 4 1,74
mengikuti program pengembangan kompetensi yang diadakan regardless of position level, education, or gender so as to create
tanpa memandang level jabatan, pendidikan, maupun gender a conducive, safe, and comfortable work environment.
Kantor Cabang Pembantu Kelapa Gading / Sub Branch Office Kelapa Gading 6 2,65 5 2,17
sehingga terciptanya lingkungan kerja yang kondusif, aman, dan
Kantor Cabang Pembantu Kramat Jati / Sub Branch Office Kramat Jati 7 3,10 7 3,04 nyaman.
Kantor Cabang Pembantu Sunter / Sub Branch Office Sunter 5 2,21 5 2,17
Kantor Cabang Pembantu MD Place / Sub Branch Office MD Place
Kantor Cabang Tunjungan / Branch Office Tunjungan
5
31
2,21
13,72
5
31
2,17
13,48
PELATIHAN KARYAWAN TAHUN 2024
EMPLOYEES TRAINING IN 2024
Kantor Cabang Coklat / Branch Office Coklat 8 3,54 8 3,48
Jenis Training / Name of Training Penyelenggara Tanggal Pelaksaan
Kantor Cabang Pembantu Ngagel / Sub Branch Office Ngagel 7 3,10 7 3,04 Organizer Training Date
Kantor Cabang Pembantu Wiyung / Sub Branch Office Wiyung 7 3,10 8 3,48 Uji Kompetensi & Profiling Karyawan Talenta Indonesia Raya 3 Januari 2024
Kantor Cabang Denpasar / Branch Office Denpasar 5 2,21 6 2,61 Employee Competency Assessment & Profiling Talenta Indonesia Rayau 3 January 2024
Kantor Cabang Medan / Branch Office Medan 6 2,65 6 2,61 Team Building Intern 26 - 28 Januari 2024
Team Building Internal 26 - 28 January 2024
Kantor Cabang Makassar / Branch Office Makassar 4 1,77 5 2,17
Pembekalan Manajemen Risiko Jenjang 5 PT Gugus Prima Solusi 2 - 3 Januari 2024
Kantor Cabang Bandung / Branch Office Bandung 6 2,65 5 2,17 Risk Management Level 5 Briefing PT Gugus Prima Solusi 2 - 3 January 2024
TOTAL 226 100,00 230 100,00 Training Lalu Lintas Devisa (LLD) & LHBU (ANTASENA Harian) Intern 23 Januari 2024
Foreign Exchange Traffic Training (LLD) & LHBU (ANTASENA Daily) Internal 23 January 2024
Tabel Komposisi Berdasarkan Status Kepegawaian / Composition Employment Status Pembayaran Kuliah STIE Trianandra 26 Januari 2024
Tuition Payments STIE Trianandra 26 January 2024
Berdasarkan Status Kepegawaian*) / Employment Status*) 2024 2023 Pelatihan Magang Intern Januari 2024
Internship Training Internal January 2024
Persentase / Percentage Persentase / Percentage
Status / Status Jumlah / Total
(%)
Jumlah / Total
(%) ACI FMA Indonesia ACI FMA Indonesia 7 Februari 2024
ACI FMA Indonesia ACI FMA Indonesia 7 February 2024
Pekerja Tetap / Permanent Employee 222 100,00 230 100,00
Pendaftaran Anggota Baru ACI FMA ACI FMA Indonesia 7 Februari 2024
Pekerja Kontrak / Outsourced Employee - - - -
New Member Registration for ACI FMA ACI FMA Indonesia 7 February 2024
TOTAL 222 100,00 230 100,00
Penyusunan Individual Risk Assessment (IRA) Mutiara Tunggal Harapan 7 Februari 2024
Individual Risk Assessment (IRA) Drafting Mutiara Tunggal Harapan 7 February 2024
*) Tidak termasuk Direksi / Excluding the Board of Directors
Sosialisasi & Training Penerapan Peraturan Perpajakan 2024 Perhimpunan Bank Nasional (PERBANAS) 12 Februari 2024
Tabel Tingkat Pergantian Pegawai / Employee Turnover Rate Table Socialization & Training on the Implementation of 2024 Tax Regulations National Bank Association 12 February 2024
Pembayaran Kuliah Universitas Bina Sarana Informatika Januari 2024
Jumlah Pegawai (dalam tahun pelaporan) / Persentase Pegawai (dalam tahun pelaporan) / Tuition Payments Bina Sarana Informatics University January 2024
Deskripsi / Description
Total of Employees (in reporting year) Percentage of Employees (in reporting year)
Rapat Koordinasi Pegawai Perbankan Bali Bank Indonesia 24 - 25 Februari 2024
Jumlah Pegawai resign/Pemutusan Hubungan Kerja / Coordination Meeting for Bali Bank Employees Bank Indonesia 24 - 25 February 2024
25 pegawai / Employee 11%
Total of Employees Resigned/Terminated
Badan Sertifikasi Manajemen Risiko
Jumlah Pegawai Baru/pengganti Pegawai (%) / Uji Kompetensi Manajemen Risiko Jenjang 5 (BSMR) 7 Februari 2024
22 pegawai / Employee 10%
Total of New Employees/replacement Employees (%) Risk Management Level 5 Competency Assessment Indonesian Bankers Association – Banking 7 February 2024
Competency Center
Pelatihan Magang Intern Februari 2024
Internship Training Internal February 2024
BIAYA PENGEMBANGAN SUMBER DAYA MANUSIA TAHUN 2024 Sosialisasi Perubahan Ketentuan Dan Evaluasi Setoran Bayaran
Change of Conditions Socialisation and Payment Evaluation
Bank Indonesia
Bank Indonesia
1 - 3 Maret 2024
1 - 3 March 2024
HUMAN RESOURCES DEVELOPMENT COST IN 2024
Pembayaran Kuliah Universitas Nusa Mandiri Maret 2024
Dana Pendidikan dan Pelatihan untuk Pengembangan Sumber The Education and Training Fund for Human Resources (HR) Tuition Payments Nusa Mandiri University March 2024
Daya Manusia (SDM) sepanjang tahun 2024 telah dilakukan Development throughout 2024 has been reserved at 4.88% of HR Director Intipesan Conference 21 Februari 2024
pencadangan sebesar 4,88% dari biaya tenaga kerja tahun lalu last year’s labor costs or equivalent to Rp2,410 million and has HR Director Konferensi Intipesan 21 February 2024
atau setara dengan Rp2.410 juta dan telah diatur dalam Surat been regulated in the Decree of the Board of Directors No. 048/ Refreshment Manajemen Risiko Jenjang 5 PT Maisa Edukasi 2 Maret 2024
Keputusan Direksi No. 048/KP-PERS/SK/ST/III/2018 tentang KP-PERS/SK/ST/III/2018 concerning the Provision of Education Risk Management Level 5 Refreshment PT Maisa Edukasi 2 March 2024
Penyediaan Dana Pendidikan PT Bank of India Indonesia Tbk. Funds for PT Bank of India Indonesia Tbk. This has fulfilled the Optimalisasi Strategi Untuk Bank Keypro 7 - 8 Maret 2024
Hal ini telah memenuhi ketentuan yang diatur dalam POJK No. provisions stipulated in POJK No. 24 of 2022 concerning the Strategy Optimisations for Bank Keypro 7 - 8 March 2024
24 Tahun 2022 tentang Pengembangan Kualitas Sumber Daya Development of the Quality of Human Resources for Commercial Training RMA Portal Asosiasi SWIFT Indonesia (ASWIFTINDO) 11 Maret 2024
Manusia Bank Umum. Banks. RMA Portal Training Indonesian SWIFT Association 11 March 2024
Training Aplikasi Elysian FDS 23 Maret 2024
Elysian Training Application FDS 23 March 2024
Pembekalan Audit Intern Jenjang Auditor (Kualifikasi Jenjang KKNI) Asanka Kreasi Mandiri 4 - 5 Maret 2024
Internal Audit Briefing for Auditor Level (KKNI Level Qualification) Asanka Kreasi Mandiri 4 - 5 March 2024
Pelatihan Magang Intern Maret 2024
Internship Training Internal March 2024
PT BANK OF INDIA INDONESIA Tbk PT BANK OF INDIA INDONESIA Tbk
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Profil Bank
Bank Profile
PELATIHAN KARYAWAN TAHUN 2024 PELATIHAN KARYAWAN TAHUN 2024
EMPLOYEES TRAINING IN 2024 EMPLOYEES TRAINING IN 2024
Jenis Training / Name of Training Penyelenggara Tanggal Pelaksaan Jenis Training / Name of Training Penyelenggara Tanggal Pelaksaan
Organizer Training Date Organizer Training Date
Pembekalan Manajemen Risiko Jenjang 4 PT Gugus Prima Solusi 18 - 19 Maret 2024 Penyelarasan Manajemen Risiko Jenjang 7 BARA 5 - 6 Juni 2024
Risk Management Level 4 Briefing PT Gugus Prima Solusi 18 - 19 March 2024 Risk Management Level 7 Alignment BARA 5 - 6 June 2024
Badan Sertifikasi Manajemen Risiko Penyelarasan Manajemen Risiko Jenjang 7 Indonesian Risk Professional Association 24 - 25 April 2024
Uji Kompetensi Manajemen Risiko Jenjang 4 3 April 2024
(BSMR) Risk Management Level 7 Alignment Indonesian Risk Professional Association 24 - 25 April 2024
Risk Management Level 4 Competency Assessment 3 April 2024
Risk Management Certification Agency
Penyelarasan Manajemen Risiko Jenjang 7 BARA 19 - 20 Juni 2024
Lembaga Sertifikasi Profesi Perbankan Risk Management Level 7 Alignment BARA 19 - 20 June 2024
Pembekalan Audit Intern Level Auditor (Kualifikasi Level KKNI) (LSPP) 20 April 2024
PBK SPPUR Pengelolaan Transfer Dana Jenjang 5 IBI - BCC 13 - 15 Juni 2024
Internal Audit Briefing for Auditor Level (KKNI Level Qualification) Banking Professional Certification 20 April 2024
PBK SPPUR Fund Transfer Management Level 5 IBI - BCC 13 - 15 June 2024
Institute
Pembelian Buku Manajemen Risiko Jenjang 6 BARA Juni 2024
Forum Komunikasi Kliring Jakarta 2024 Bank Indonesia 17 - 19 Mei 2024
Risk Management Level 6 Book Purchasing BARA June 2024
Jakarta Clearing Communication Forum 2024 Bank Indonesia 17 - 19 May 2024
Training Salary Grading, Competency Based Pay, KPI Based Bonus Yodhia Antariksa 29 Juni 2024
Pembekalan Manajemen Risiko Jenjang 5 PT Gugus Prima Solusi 22 - 23 April 2024
Training Salary Grading, Competency Based Pay, KPI Based Bonus Yodhia Antariksa 29 June 2024
Risk Management Level 5 Briefing PT Gugus Prima Solusi 23 - 24 April 2024
Undangan Evaluasi & Refreshment BI Sistem Informasi Layanan Kas (BISILK) Bank Indonesia 28 - 30 Juni 2024
Refreshment Pengetahuan Treasury Intern 3 Mei 2024
Evaluation and Refreshment Invitation of BI Cash Service Information System (BISILK) Bank Indonesia 28 - 30 June 2024
Treasury Knowledge Refreshment Internal 3 May 2024
Penyelarasan Manajemen Risiko Jenjang 7 BARA 3 - 4 Juli 2024
User Aplikasi Pertukaran Warkat Debit – Medan Bank Indonesia 22 - 23 Mei 2024
Risk Management Level 7 Alignment BARA 3 - 4 July 2024
Debit Document Exchange User Application - Medan Bank Indonesia 22 - 23 May 2024
Training Salary Grading, Competency Based Pay, KPI Based Bonus Yodhia Antariksa 29 Juni 2024
Seminar Mental Health 101 Perhimpunan Bank Nasional (PERBANAS) 4 Mei 2024
Training Salary Grading, Competency Based Pay, KPI Based Bonus Yodhia Antariksa 29 June 2024
Mental Health 101 Seminar National Bank Association 4 May 2024
Pendaftaran Anggota Baru ACI FMA ACI FMA Indonesia Juni 2024
Penyelarasan Manajemen Risiko Jenjang 7 BARA 7 - 8 Mei 2024
ACI FMA New Member Registration ACI FMA Indonesia June 2024
Risk Management Level 7 Alignment BARA 7 - 8 May 2024
Training APU - PPT & PPPSM Jakarta Ir Hendro Soeprijatno 20 Juli 2024
Badan Sertifikasi Manajemen Risiko
Uji Kompetensi Manajemen Risiko Jenjang 5 29 Mei 2024 Jakarta APU - PPT & PPPSM Training Ir. Hendro Soeprijatno 20 July 2024
(BSMR)
Risk Management Level 5 Competency Assessment 29 May 2024
Risk Management Certification Agency Training APU - PPT & PPPSM Surabaya Ir Hendro Soeprijatno 27 Juli 2024
Surabaya APU - PPT & PPPSM Training Ir. Hendro Soeprijatno 27 July 2024
Undangan Asosiasi SWIFT Indonesia (ASWIFTINDO) Asosiasi SWIFT Indonesia (ASWIFTINDO) 8 Mei 2024
Indonesian SWIFT Association Member Gathering Indonesian SWIFT Association 8 May 2024 PBK SPPUR Pengeloaan Uang Tunai Jenjang 5 IBI - BCC 11 - 12 Juni 2024
PBK SPPUR Cash Management Level 5 IBI - BCC 11 - 12 June 2024
Training CBP Rupiah & Gathering Teller Bank Indonesia 23 - 25 Mei 2024
CBP Rupiah Training & Teller Gathering Bank Indonesia 23 - 25 May 2024 Sosialisasi & Edukasi Transaksi SKNBI Bandung Bank Indonesia 23 -25 Agustus 2024
SKNBI Bandung Transaction Socialization & Education Activities Bank Indonesia 23 - 25 August 2024
Training Information Foundation Based ISO 27001 & 27002 Andalan Teknologi Informasi 13 - 15 Mei 2024
Foundation Based Information Training ISO 27001 & 27002 Andalan Teknologi Informasi 13 – 15 May 2024 Training Identifikasi Transaksi Keuangan Mencurigakan (LKTM) FKDKP 10 -11 Juli 2024
Suspicious Monetary Transaction Identification Training (LKTM) FKDKP 10 - 11 July 2024
Refreshment Manajemen Risiko Jenjang 4 PT Maisa Edukasi 16 Mei 2024
Risk Management Level 4 Refreshment PT Maisa Edukasi 16 May 2024 Training Edukasi Cinta Bangga Paham Rupiah Bagi Perbankan Bank Indonesia 22 Juli 2024
Cinta Bangga Paham Rupiah Educational Training for Banking Bank Indonesia 22 July 2024
Refreshment Manajemen Risiko Jenjang 5 PT Maisa Edukasi 15 Mei 2024
Risk Management Level 5 Refreshment PT Maisa Edukasi 15 May 2024 Training Menjaga Kepatuhan Pelaku Usaha Jasa Keuangan FKDKP 15 Juli 2024
Training to Maintain Compliance in Financial Services Business Actors FKDKP 15 July 2024
PBK SPPUR Pengeloaan Uang Tunai Jenjang 4 IBI - BCC 13 - 15 Mei 2024
PBK SPPUR Cash Management Level 4 IBI - BCC 13 – 15 May 2024 Pembayaran Kuliah Universitas Bina Sarana Informatika Agustus 2024
Tuition Payments Bina Sarana Informatika University August 2024
Badan Sertifikasi Manajemen Risiko
Resertifikasi Manajemen Risiko Jenjang 5 29 Mei 2024
(BSMR) Lembaga Sertifikasi Profesi Perbankan
Risk Management Level 5 Recertification 29 May 2024
Risk Management Certification Agency Ujian Resertifikasi Manajemen Risiko Jenjang 7 (LSPP) 5 Agustus 2024
Risk Management Level 7 Recertification Assessment Banking Professional Certification 5 August 2024
Arbitrator Talks : Menyikapi Pembatalan Putusan Arbitrase LAPS SJK 21 Mei 2024
Institute
Arbitrator Talks : Responding to Arbitration Decision Cancellation LAPS SJK 21 May 2024
Arbitrator Talks : Implementasi Dan Tantangan Penyelesaian Sengketa Alternatif Melalui
Rencana Pelaksanaan Kegiatan Hari Indonesia Menabung dan Kejar Award Tahun 2024 Otoritas Jasa Keuangan (OJK) 27 Mei 2024
Arbitrase Di Sektor Pasar Modal LAPS SJK 6 Agustus 2024
Implementation Plan for Indonesia Saving Day and Pursue Award Activities in 2024 Financial Services Authority 27 May 2024
Arbitrator Talks : Implementation and Challenges of Alternative Dispute Resolution LAPS SJK 6 August 2024
Undangan Capacity Development Perhitungan Emisi Gas Rumah Kaca Otoritas Jasa Keuangan (OJK) 28, 30 Mei 2024 Through Arbitration in the Capital Markets Sector
Greenhouse Emmission Calculation Capacity Development Invitation Financial Services Authority 28, 30 May 2024
Undangan Sosialisasi Tematik LBUT Bank Indonesia 12 - 13 Agustus 2024
Training Aplikasi Informasi Kredit - Skor Pefindo Pefindo 3 - 4 Juni 2024 Invitation to LBUT Thematic Socialization Bank Indonesia 12 - 13 August 2024
Credit Information Application Training – Pefindo Score Pefindo 3 - 4 June 2024
Penyelarasan Manajemen Risiko Jenjang 6 BARA 21 - 23 Agustus 2024
Badan Sertifikasi Manajemen Risiko Risk Management Level 6 Alignment BARA 21 - 23 August 2024
Uji Kompetensi Manajemen Risiko Jenjang 5 29 Mei 2024
(BSMR)
Risk Management Level 5 Competency Assessment 29 May 2024 Undangan Forum Kliring (Forkom) Kliring Surabaya Bank Indonesia 30 Agustus - 1 September 2024
Risk Management Certification Agency
Clearing Forum (Forkom) Invitation Surabaya Clearing Bank Indonesia 30 August - 1 September 2024
PBK SPPUR Pengeloaan Transfer Dana Jenjang 6 IBI - BCC 14 Mei 2024
Undangan Focus Group Discussion (FGD) Coaching Clinic Persiapan Implementasi
PBK SPPUR Fund Transfer Management Level 6 IBI - BCC 14 May 2024
Taksonomi Untuk Keuangan Berkelanjutan Indonesia (TKBI) Otoritas Jasa Keuangan (OJK) 14 Agustus 2024
Badan Sertifikasi Manajemen Risiko Invitation to Focus Group Discussion (FGD) Coaching Clinic Preparation for Taxonomy Financial Services Authority 14 August 2024
Resertifikasi Manajemen Risiko Jenjang 5 29 Mei 2024
(BSMR) Implementation for Indonesian Sustainable Finance (TKBI)
Risk Management Level 5 Recertification 29 May 2024
Risk Management Certification Agency
Kegiatan Sosialisasi & Edukasi Transaksi SKNBI Bandung Bank Indonesia 23 - 25 Agustus 2024
Lembaga Sertifikasi Profesi Perbankan SKNBI Bandung Transaction Socialization & Education Activities Bank Indonesia 23 – 25 August 2024
Uji Kompetensi Audit Intern Jenjang Auditor (Kualifikasi Jenjang KKNI) (LSPP) 7 Juni 2024
Training Pembekalan Treasury Dealer Jenjang 7 Apuvindo 16 Agustus 2024
Internal Audit Competency Assessment for Auditor Level (KKNI Level Qualification) Banking Professional Certification 7 June 2024
Treasury Dealer Level 7 Training Briefing Apuvindo 16 August 2024
Institute
Konsinyering Implementasi & Tata Kelola Artifical Intelligence Otoritas Jasa Keuangan (OJK) 20 Agustus 2024
Pembekalan Audit Intern Jenjang Auditor (Kulifikasi Jenjang KKNI) Asanka Kreasi Mandiri 3 - 4 Juni 2024
Artificial Intelligence Implementation & Governance Consigning Financial Services Authority 20 August 2024
Internal Audit Briefing for Auditor Level (KKNI Level Qualification) Asanka Kreasi Mandiri 3 - 4 June 2024
Pembekalan Manajemen Risiko Jenjang 5 PT Gugus Prima Solusi 19 - 20 Agustus 2024
Risk Management Level 5 Briefing PT Gugus Prima Solusi 19 - 20 August 2024
PT BANK OF INDIA INDONESIA Tbk PT BANK OF INDIA INDONESIA Tbk
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Profil Bank
Bank Profile
PELATIHAN KARYAWAN TAHUN 2024 PELATIHAN KARYAWAN TAHUN 2024
EMPLOYEES TRAINING IN 2024 EMPLOYEES TRAINING IN 2024
Jenis Training / Name of Training Penyelenggara Tanggal Pelaksaan Jenis Training / Name of Training Penyelenggara Tanggal Pelaksaan
Organizer Training Date Organizer Training Date
Uji Sertifikasi Treasury Dealer Jenjang 7 ACI FMA Indonesia 31 Agustus 2024 Training Kegiatan Operasional BI Fast Bank Indonesia 14 Oktober 2024
Treasury Dealer Level 7 Certification Assessment ACI FMA Indonesia 31 August 2024 BI Fast Operational Activities Training Bank Indonesia 14 October 2024
Badan Sertifikasi Manajemen Risiko Member Gathering (AMG) dan User Group Meeting (UGM) Asosiasi SWIFT Indonesia (ASWIFTINDO) 23 - 25 Oktober 2024
Uji Kompetensi Manajeman Risiko Jenjang 4 29 Agustus 2024
(BSMR) Member Gathering (AMG) and User Group Meeting (UGM) Indonesian SWIFT Association 23 – 25 October 2024
Risk Management Level 4 Competency Assessment 29 August 2024
Risk Management Certification Agency
Undangan Capacity Building Forum Pertukaran Warkat Debet Bank Indonesia 19 - 20 Oktober 2024
Pembelian Buku Manajemen Risiko Jenjang 6 BARA September 2024 Industrial Test Invitation Capacity Building Invitation Debit Document Exchange Forum Bank Indonesia 19 - 20 October 2024
Risk Management Level 6 Book Purchasing BARA September 2024
Training Identifikasi Transaksi Keuangan Mencurigakan (LTKM) FKDKP 16 - 17 Oktober 2024
Badan Sertifikasi Manajemen Risiko Suspicious Monetary Transaction Identification Training (LKTM) FKDKP 16 - 17 October 2024
Uji Kompetensi Manajeman Risiko Jenjang 4 29 Agustus 2024
(BSMR)
Risk Management Level 4 Competency Assessment 29 August 2024 Kegiatan Capacity Building Pengelolaan Uang Rupiah (CB PUR) Bank Indonesia 1 - 2 November 2024
Risk Management Certification Agency
Rupiah Money Management Capacity Building Activities (CB PUR) Bank Indonesia 1 - 2 November 2024
Refreshment Manajemen Risko Jenjang 4 Efektifpro 7 September 2024
Kegiatan Bulan Inklusi Keuangan Tahun 2024 Bank Indonesia 26 Oktober 2024
Risk Management Level 4 Refreshment Efektifpro 7 September 2024
2024 Financial Inclusion Month Activities Bank Indonesia 26 October 2024
Pembekalan Manajeman Risiko Jenjang 4 Efektifpro 29 Agustus 2024
Undangan Forum Koordinasi Pemenuhan Uang Rupiah Bank Indonesia 1 - 2 November 2024
Risk Management Level 4 Briefing Efektifpro 29 August 2024
Invitation to the Rupiah Fulfillment Coordination Forum Bank Indonesia 1 - 2 November 2024
Pembekalan Manajemen Risiko Jenjang 5 Efektifpro 3 - 4 September 2024
Undangan Forum Perbankan Provinsi Bali Bank Indonesia 2 - 3 November 2024
Risk management Level 5 Briefing Efektifpro 3 – 4 September 2024
Bali Province Banking Invitation Forum Bank Indonesia 2 - 3 November 2024
Lembaga Sertifikasi Profesi Perbankan
Badan Sertifikasi Manajemen Risiko
Uji Kompetensi Manajeman Risiko Jenjang 5 (LSPP) 10 September 2024 Uji Kompentensi Manajemen Risiko Jenjang 5 2 November 2024
(BSMR)
Risk Management Level 5 Competency Assessment Banking Professional Certification 10 September 2024 Risk Management Level 5 Competency Assessment 2 November 2024
Risk Management Certification Agency
Institute
Undangan Cyber Resilience & Security BDO 23 Oktober 2024
Training APUPPT BOD & BOC Genesis Inti Utama 21 September 2024
Cyber Resilience & Security Invitation BDO 23 October 2024
APUPPT BOD & BOC Training Genesis Inti Utama 21 September 2024
Pertemuan User Group SP & FMI BI 2024 Bank Indonesia 16 November 2024
Training Identifikasi Transaksi Keuangan Mencurigakan (LKTM) FKDKP 11 - 12 September 2024
SP & FMI BI 2024 User Group Meeting Bank Indonesia 16 November 2024
Suspicious Monetary Transaction Identification Training (LKTM) FKDKP 11 - 12 September 2024
Pertukaran Warkat Debet 2024 & Rakor 2025 Bank Indonesia 12 November 2024
Pertemuan Tahunan Evaluasi Kegiatan Operasional Pertukaran Warkat Bank Indonesia 4 - 6 Oktober 2024
2024 Debit Paper Exchange & 2025 Coordination Meeting Bank Indonesia 12 November 2024
Annual Meeting for Evaluation of Paper Exchange Operational Activities Bank Indonesia 4 – 6 October 2024
Pembekalan Audit Intern Jenjang Supervisor Info Bank 5 November 2024
Lembaga Sertifikasi Profesi Perbankan
Internal Audit Supervisor Level Briefing Bank Info 5 November 2024
Uji Kompetensi Manajeman Risiko Jenjang 6 (LSPP) 20 September 2024
Risk Management Level 6 Competency Assessment Banking Professional Certification 20 September 2024 Undangan Forum Komunikasi Perlindungan Konsumen BI Bank Indonesia 22 - 24 November 2024
Institute Invitation to BI Consumer Security Communication Forum Bank Indonesia 22 - 24 November 2024
Badan Sertifikasi Manajemen Risiko Pembekalan & UK Rekrutmen dan Seleksi Manajemen PPM 29 - 30 Oktober, 21 November 2024
Uji Kompetensi Manajeman Risiko Jenjang 5 7 September 2024
(BSMR) UK Recruitment & Selection Briefing PPM Management 29 - 30 October, 21 November 2024
Risk Management Level 5 Competency Assessment 7 September 2024
Risk Management Certification Agency
Undangan Workshop Pelaporan SCV LPS Bank Umum Lembaga Penjamin Simpanan Bank 21 November 2024
Pembekalan Manajemen Risiko Jenjang 6 Trinity Solusi Kreatifindo 17 September 2024 Invitation to Commercial Bank LPS SCV Reporting Workshop Deposit Insurance Corporation 21 November 2024
Risk Management Level 6 Briefing Trinity Solusi Kreatifindo 17 September 2024
Sharing Knowledge - Business & Treasury Intern 22 November 2024
Refreshment Manajemen Riisko Jenjang 5 Efektifpro 10 September 2024 Sharing Knowledge - Business & Treasury Internal 22 November 2024
Risk Management Level 5 Refreshment Efektifpro 10 September 2024
Undangan Focus Group Discussion (FGD) & Sosialisasi Survey SBPO Otoritas Jasa Keuangan (OJK) 28 November 2024
Training Suku Bunga Dasar Kredit Banking Finance Development Center 23 - 24 September 2024 Invitation to Focus Group Discussion (FGD) & Socialization of SBPO Survey Financial Services Authority 28 November 2024
Basic Credit Interest Rate Training Banking Finance Development Center 23 – 24 September 2024
Undangan PERBANAS CFO Forum III – 2024 Perhimpunan Bank Nasional (PERBANAS) 26 November 2024
Badan Sertifikasi Manajemen Risiko PERBANAS CFO Forum III 2024 Invitation National Bank Association 26 November 2024
Uji Resertifikasi Manajemen Risiko Jenjang 4 & Jenjang 5 28 September & 5 Oktober 2024
(BSMR)
Risk Management Level 4 & Level 5 Recertification Assessment 28 September & 5 October 2024
Risk Management Certification Agency Seminar Nasional Ketahanan dan Keamanan Siber Sektor Keuangan Otoritas Jasa Keuangan (OJK) 29 November 2024
Lembaga Sertifikasi Profesi Perbankan National Seminar on Financial Sector Cyber Resilience and Security Financial Services Authority 29 November 2024
Uji Kompetensi Manajemen Risiko Jenjang 6 (LSPP) 20 September 2024
Risk Management Level 6 Competency Assessment Banking Professional Certification 20 September 2024 Undangan Sosialisasi LHPK, SP & FMI BI, KPDHN Bank Indonesia 29 November 2024
Institute LHPK, SP & FMI BI, KPDHN Socialisation Invitation Bank Indonesia 29 November 2024
Badan Sertifikasi Manajemen Risiko Undangan Refreshment Operasional Aplikasi Layanan BI (Albi) Bank Indonesia 29 November 2024
Uji Kompetensi Manajemen Risiko Jenjang 7 28 & 30 September 2024
(BSMR) BI (Albi) Services Operational Application Refreshment Invitation Bank Indonesia 29 November 2024
Risk Management Level 7 Competency Assessment 28 & 30 September 2024
Risk Management Certification Agency
Training IDX Net Zero Incubator Bursa Efek Indonesia Agustus - November 2024
Pembekalan Manajemen Risiko Jenjang 7 Efektifpro 23 September 2024
Training IDX Net Zero Incubator Indonesia Stock Exchange August - November 2024
Risk Management Level 7 Briefing Efektifpro 23 September 2024
Training APUPPT BOD & BOC Genesis Inti Utama 21 September 2024 Pertemuan User Group SP & FMI BI 2024 Bank Indonesia 16 November 2024
APUPPT BOD & BOC Training Genesis Inti Utama 21 September 2024 SP & FMI BI 2024 User Group Meeting Bank Indonesia 16 November 2024
Pertemuan Tahunan Evaluasi Kegiatan Operasional Pertukaran Warkat Bank Indonesia 4 – 6 Oktober 2024 Pembekalan Manajemen Risiko Jenjang 7 PT Maisa Edukasi 10 Desember 2024
Annual Meeting for Evaluation of Paper Exchange Operational Activities Bank Indonesia 4 - 6 October 2024 Risk Management Level 7 Briefing PT Maisa Edukasi 10 December 2024
Training Grafonomi (Jakarta) I Tosec Word (Ibu Antoneta) 12 Oktober 2024
Graphonomy Training (Jakarta) I Tosec Word (Ms. Antoneta) 12 October 2024 Lembaga Sertifikasi Profesi Perbankan
Uji Kompetensi Audit Intern Jenjang Supervisor (LSPP) 12 Desember 2024
Undangan Members Meeting & Awarding Night ATM Bersama 2024 Arta Jasa 15 - 17 Oktober 2024 Internal Audit Supervisor Level Competency Assessment Banking Professional Certification 12 December 2024
Invitation to ATM Bersama Members Meeting & Awarding Night 2024 Arta Jasa 15 - 17 October 2024 Institute
Training Grafonomi (Surabaya) I Tosec Word (Ibu Antoneta) 19 Oktober 2024
Graphonomy Training (Surabaya) I Tosec Word (Ms. Antoneta) 19 October 2024 Brainstorming Challenge Intern 21 Desember 2024
Brainstorming Challenge Internal 21 December 2024
Undangan Industrial Test Penggunaan Aplikasi Key Survey Dalam Rangka (LHPK) Bank Indonesia 11 Oktober 2024
Invitation Test Using Key Survey Applications in Frame (LHPK) Bank Indonesia 11 October 2024
PT BANK OF INDIA INDONESIA Tbk PT BANK OF INDIA INDONESIA Tbk
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Bank Profile
INFORMASI KEPEMILIKAN SAHAM KRONOLOGI PENCATATAN SAHAM
SHAREHOLDING INFORMATION CHRONOLOGIES OF STOCK LISTING
Nama Pemegang Saham Jumlah Saham Persentase Kepemilikan Saham (%) Pada tanggal 12 April 2002, PT Bank of India Indonesia Tbk On April 12, 2002, PT Bank of India Indonesia Tbk (Bank)
Shareholder Number of Shares Shares Owned Percentage (%) (Bank) memperoleh pernyataan efektif dari Ketua Badan obtained an effective statement from the Chairman of the
Saham Dengan Sertifikat Kolektif / Stocks with Collective Certificates (SCRIP) Pengawas Pasar Modal (BAPEPAM) dengan suratnya No. S-75/ Capital Market Supervisory Agency (BAPEPAM) through letter
Bank of India 3.355.488.000 90,96 PM/2002 untuk melakukan penawaran umum atas 60.000.000 No. S-75/PM/2002 to conduct a public offering of 60,000,000
PT Panca Mantra Jaya 52.974.500 1,44 saham biasa atas nama masyarakat. Nilai nominal per saham common shares in the name of the public. The nominal value
Saham Dalam Penitipan Kolektif PT KSEI / Stocks in Collective Custody PT KSEI (SCRIPLESS) Rp200 dengan harga penawaran Rp250. Pada tanggal 1 Mei per share is Rp200 with an offering price of Rp250. On May 1,
PT Panca Mantra Jaya 131.063.491 3,55
2002 saham tersebut telah dicatatkan pada Bursa Efek Jakarta 2002, the shares were listed on the Jakarta Stock Exchange (now
(sekarang Bursa Efek Indonesia). the Indonesia Stock Exchange).
Deepak Rupo Chugani 61.954.784 1,68
Dilip Rupo Chugani 20.560.023 0,56
Pada tanggal 24 Juni 2008, Bank memperoleh pernyataan efektif On June 24, 2008, the Bank obtained an effective statement from
Prakash Rupchand Chugani 20.736.723 0,56
dari ketua BAPEPAM-LK dengan suratnya No. S-4071/BL/2008 the chairman of BAPEPAM-LK with his letter No. S-4071/BL/2008
Masyarakat 46.089.324 1,25 untuk melakukan Penawaran Umum Terbatas I Dengan Hak to conduct a Limited Public Offering I with Pre-emptive Rights
Modal ditempatkan dan Disetor Penuh
3.688.866.845 100,00 Memesan Efek Terlebih Dahulu sebesar 558.000.000 saham of 558,000,000 shares with a nominal value per share of Rp200
Issued and Fully Paid Capital
dengan Nilai nominal per saham Rp200 dan harga penawaran and an offering price of Rp250. The shares were listed on the
Rp250. Saham-saham tersebut dicatatkan pada Bursa Efek Indonesia Stock Exchange on July 2, 2008.
DAFTAR PEMEGANG SAHAM BERDASARKAN KLASIFIKASI Indonesia pada tanggal 2 Juli 2008.
CLASSIFIED SHAREHOLDERS LIST
Berdasarkan surat pernyataan efektif dari Otoritas Jasa Based on the effective statement letter from the Financial Services
Keterangan Pemegang Saham Jumlah Saham Persentase Kepemilikan Saham (%) Keuangan (OJK) No. S-500/D.04/2014 tanggal 3 Desember Authority (OJK) No. S-500/D.04/2014 dated December 3, 2014,
Shareholders Description Number of Shares Shares Owned Percentage (%)
2014, Bank telah melakukan Penawaran Umum Terbatas II the Bank has conducted a Limited Public Offering II in order to
Institusi Lokal / Local Institution 184.037.991 4,99 dalam rangka penerbitan Hak Memesan Efek Terlebih Dahulu issue Pre-emptive Rights (HMETD) of 173,600,000 shares from
Individu Lokal / Local Individual 149.340.854 4,05 (HMETD) sebanyak 173.600.000 lembar saham dari tanggal 17 December 17, 2014 to January 6, 2015 with a nominal value per
Desember 2014 sampai dengan tanggal 6 Januari 2015 dengan share of Rp200 and an offering price of Rp2,800 per share. The
Institusi Asing / Foreign Institution 3.355.488.000 90,96
Nilai nominal per saham Rp200 dan harga penawaran sebesar shares were listed on the Indonesia Stock Exchange on January
Individu Asing / Foreign Individual - - Rp2.800 per saham. Saham-saham tersebut dicatatkan pada 6, 2015.
Bursa Efek Indonesia pada tanggal 6 Januari 2015.
TOTAL 3.688.866.845 100,00
Berdasarkan surat pernyataan efektif dari OJK dengan surat Based on notice of effectivity from OJK through letter No.
No. S 469/D.04/2017 tanggal 13 Desember 2017, Bank telah S 469/D.04/2017 dated December 13, 2017, the Bank has
LAPORAN KEPEMILIKAN SAHAM OLEH DEWAN KOMISARIS DAN DIREKSI melakukan Penawaran Umum Terbatas III dalam rangka undertaken the Limited Public Offering III for
REPORT ON SHARE OWNERSHIP BY THE BOARD OF COMMISSIONERS AND DIRECTORS Penambahan Modal dengan memberikan Hak Memesan Efek Pre-emptive Rights of 347,200,000 shares with an offering price
Terlebih Dahulu (PMHMETD) sebanyak 347.200.000 lembar of Rp1,890 per share with nominal value of Rp200 per share.
Nama Jabatan Jumlah Saham Persentase (%)
saham dengan harga pelaksanaan HMETD sebesar Rp1.890 per These shares were listed in the Indonesia Stock Exchange on
Name Position Number of Shares Percentage (%)
saham dengan nilai nominal sebesar Rp 200 per saham. Saham- December 29, 2017.
Dewan Komisaris / Board of Commissioners
saham tersebut dicatatkan pada Bursa Efek Indonesia pada
Sudhiranjan Padhi
Komisaris Utama
- - tanggal 29 Desember 2017.
President Commissioner
Komisaris Independen
Handadjaja Sulaiman
Independent Commissioner
- - Berdasarkan surat pernyataan efektif dari OJK dengan surat No. Based on notice of effectivity from OJK through letter No.
Komisaris Independen S-178/D.04/2022 tanggal 19 Agustus 2022, Bank telah melakukan S-178/D.04/2022 dated August 19, 2022, the Bank has
Lungguk Gultom
Independent Commissioner
- -
Penawaran Umum Terbatas IV dalam rangka Penambahan undertaken the Limited Public Offering IV for Pre-emptive Rights
Direksi / Directors Modal dengan memberikan Hak Memesan Efek Terlebih Dahulu of 1,388,800,000 shares with an offering price of Rp1,000 per
Direktur Utama*) (PMHMETD) sebanyak 1.388.800.000 lembar saham dengan share with nominal value of Rp200 per share. These shares were
President Director*)
Jayaprakash Bharathan - - harga pelaksanaan HMETD sebesar Rp1.000 per saham dengan listed in the Indonesia Stock Exchange on September 2, 2022.
Wakil Direktur Utama**)
Vice President Director**)
nilai nominal sebesar Rp200 per saham. Saham-saham tersebut
Direktur Operasional
dicatatkan pada Bursa Efek Indonesia pada tanggal 2 September
Carolina Dina Rusdiana - -
Operation Director 2022.
Direktur Kepatuhan
Dennis Kusuma Halim
Compliance Director
- -
Pada tanggal 30 Maret 2023, Bank memperoleh pernyataan On March 30, 2023, the Bank received an effective statement
Direktur Bisnis
Chandra Sekhar Mukherjee
Business Director
- - efektif dari Ketua BAPEPAM-LK dengan suratnya No. from the Chairman of BAPEPAM-LK in his letter No.
Direktur Utama**) S-86/D.04/2023 untuk melakukan Penawaran Umum Terbatas V. S-86/D.04/2023 to conduct a Limited Public Offering V. The total
RM Raharjo Satrio Unggul - -
President Director**) Jumlah keseluruhan saham yang telah diterbitkan dalam PUT V number of shares issued in PUT V PT Bank of India India Tbk
*) Efektif menjabat sebagai Direktur Utama pada tanggal 14 Oktober 2024. PT Bank of India Indonesia Tbk adalah sebanyak 1.300.005.367 is 1,300,005,367 shares. Thus the number of shares issued by
*) Effective as President Director as of October 14, 2024.
**) Masa jabatan efektif berakhir pada tanggal 27 Juni 2024.
saham. Dengan demikian jumlah saham yang telah diterbitkan PT Bank of India India, Tbk until the end of this LPO V became
**) The effective term of office ends on June 27, 2024. oleh PT Bank of India Indonesia Tbk sampai dengan berakhirnya 3,688,866,845. In accordance with Government Regulation No.
PUT V ini menjadi 3.688.866.845. Sesuai dengan Peraturan 29 of 1999 concerning the Purchase of Commercial Bank Shares
Pemerintah No.29 Tahun 1999 tentang Pembelian Saham Bank which, among other things, stipulates that 99% of Bank shares
PT BANK OF INDIA INDONESIA Tbk PT BANK OF INDIA INDONESIA Tbk
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Bank Profile
Umum yang antara lain menerapkan bahwa saham Bank hanya
boleh tercatat di Bursa Efek sebanyak banyaknya 99%, maka
may only be listed on the Stock Exchange, the number of shares
listed on the Indonesian Stock Exchange is 3,651,978,177 shares.
INFORMASI PADA SITUS WEB
Jumlah saham yang dicatatkan di PT Bursa Efek Indonesia adalah WEBSITE INFORMATION
3.651.978.177 saham. Sesuai dengan Peraturan Otoritas Jasa keuangan (POJK) No. 8/ In accordance with the Financial Services Authority Regulation
POJK.04/2015 tentang Situs Web Emiten atau Perusahaan Publik (POJK) No.8/POJK.04/2015 concerning Websites of Issuers or
mendorong transparansi informasi pada situs web dari emiten Public Companies encouraging transparency of information on
LEMBAGA PENUNJANG PASAR MODAL atau perusahaan publik di Indonesia, Bank memiliki situs web websites of issuers or public companies in Indonesia, the Bank
CAPITAL MARKET SUPPORTING INSTITUTIONS resmi dengan alamat www.boiindonesia.co.id. Situs web tersebut has an official website www.boiindonesia.co.id. The website
telah dilengkapi dengan berbagai informasi seputar Bank seperti is equipped with various information regarding the Bank such
Profil Bank, produk dan layanan, informasi kinerja keuangan, as Bank profiles, product and services, financial performance
Nama Lembaga Penunjang Saham Alamat informasi suku bunga, berita terkini dan informasi lainnya yang information, interest rate information, the latest news, and
Name of Stock Supporting Institution Address bisa diakses setiap saat dengan mudah oleh publik. Bank juga other information that can be easily accessed at any time by the
menyediakan layanan chatbot Trustworthy and Responsive public. The Bank also provides TAARA chatbot services, customer
Indonesia Stock Exchange
1. BURSA EFEK / STOCK EXCHANGE
Building 1st Tower
Assistance (TAARA), email pengaduan nasabah melalui boiicare@ service email through boiicare@boiindonesia.co.id as well as
Jl. Jend. Sudirman Kav. 52-53 boiindonesia.co.id serta layanan Contact Center Hello BOII Hello BOII 150707 Contact Center services for people who would
Jakarta 12190
PT Bursa Efek Indonesia / Indonesia Stock Exchange Phone : (+62 21) 5150 515
150707 untuk masyarakat yang ingin memperoleh informasi, like to obtain information, put in complaints and/or inquire
Fax : (+62 21) 5154 153 menyampaikan pengaduan dan/atau mengajukan pertanyaan about products and services that the Bank provides.
Indonesia Stock Exchange terkait produk dan layanan jasa yang dimiliki oleh Bank.
2. KUSTODIAN / CUSTODIAN
Building 1st Tower, 5th floor
Jl. Jend. Sudirman Kav. 52-53 -
Jakarta 12190
PT Kustodian Sentral Efek Indonesia / Indonesian Central Securities Depository Phone : (+62 21) 5150 5152
Fax : (+62 21) 5299 1199
Uraian Ketersediaan Keterangan
Rukan Kirana Buotique Office Description Availability Notes
3. BIRO ADMINISTASI EFEK / ADMINISTRATION BUREAU
Jl. Kirana Avenue III
Blok F3 No 5, Profil Bank
Kelapa Gading, Jakarta Utara 14250 Bank’s Profile
PT Adimitra Jasa Korpora / PT Adimitra Jasa Korpora Phone: (+62 21) 29745222 • Visi dan Misi / Vision and Mission
Fax: +6221 29289961 • Sejarah Bank / Bank History
√ https://boiindonesia.co.id/id/page/tentang-kami
Wisma Bumiputera, • Struktur Organisasi / Organizational Structure
4. AKUNTAN PUBLIK / ACCOUNTING FIRM • Profil Dewan Komisaris dan Direksi / Board of Commissioners
12th Floor
Jl. Jend. Sudirman Kav. 75 and Board of Directors’ Profile
Jakarta 12910 • Lokasi Bank / Bank Location
KAP Kanaka Puradireja & Suhartono / KAP Kanaka Puradireja & Suhartono Phone : (+62 21) 5224581
Fax : (+62 21) 5224555 Hubungan Investor
Investor Relations
Menara Pertiwi Floor 8
5. NOTARIS / NOTARY
Suite 8C
• Profil Perusahaan / Company Profile
Jl. Mega Kuningan Barat III Kav. 10 • Tata Kelola Bank / Bank Governance
CBD, Mega Kuningan • Kontak Hubungan Investor / Investor Relations Contact
https://boiindonesia.co.id/id/category/hubungan-dengan-
Winter Sigiro,SH.,MH / Winter Sigiro,SH.,MH Jakarta Selatan 12950 • Keterbukaan Informasi / Disclosure Information √
Phone/Fax : (+62 21) 29410333 investor
• Informasi Kinerja Keuangan (Bulanan, Triwulanan dan Tahunan)
/ Financial Performance Information (Monthly, Quarterly, and
Annually)
Dengan periode penugasan masing-masing 1 tahun, total biaya yang With each period of assignment of 1 year. The total fees given to the • Informasi Rapat Umum / General Meeting Information
diberikan kepada Lembaga Penunjang Pasar Modal adalah sebesar ± Supporting Professionals was ± Rp500 million. • Informasi Performa Saham / Stock Performance Information
Rp500 juta. Kontak Bank (Layanan Pelanggan)
Bank Contact (Customer Care)
• Prosedur Kontak / Contact Procedure
• Informasi Kontak Kantor Pusat & Bank / Contact Information for
Head Office & Bank
√ https://boiindonesia.co.id/id/page/kontak-kami
• Informasi Hotline dan Email / Hotline and Email Information
• Informasi terkait Chatbot TAARA / Information Related to
Chatbot TAARA
• Formulir Pengaduan / Complaint Form
• Informasi Media Sosial / Social Media Information
Suku Bunga Dasar Kredit https://boiindonesia.co.id/id/category/sbdk-lainnya/suku-bunga-
√
Basic Lending Rate dasar-kredit-sbdk
Suku Bunga (Simpanan) https://boiindonesia.co.id/id/category/sbdk-lainnya/suku-bunga-
√
Interest Rate (Savings) simpanan
Sistem Pelaporan Pelanggaran
√ https://boiindonesia.co.id/id/category/pelaporan-pelanggaran
Whistleblowing System
Tanggung Jawab Sosial Perusahaan https://boiindonesia.co.id/en/category/corporate-social/
√
Corporate Social Responsibility corporate-social-responsibility
boii_idn Bank of India Indonesia Bank of India Indonesia Bank of India Indonesia
PT BANK OF INDIA INDONESIA Tbk PT BANK OF INDIA INDONESIA Tbk
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Bank Profile
PERISTIWA PENTING
EVENT HIGHLIGHTS
Rapat Umum Pemegang Saham Tahunan (RUPST), Jakarta Pusat, 27 Juni 2024. Acara Perpisahan Direktur Utama, 27 Juni 2024. Edukasi Keuangan PKK Kecamatan Sawah Besar, Jakarta Pusat, 29 Mei 2024. Bank Goes to School, SMK Negeri 3 Jakarta, 2 Agustus 2024.
Annual General Meeting of Shareholders (AGMS), Central Jakarta, Farewell Party for the President Director, June 27, 2024. Financial Education for PKK Kecamatan Sawah Besar, Central Jakarta, Bank Goes to School, SMK Negeri 3 Jakarta, August 2, 2024.
June 27, 2024. May 29, 2024.
Customer Meet, 21 Agustus 2024. Kunjungan Tim Auditor Bank of India Mumbai, 9 - 11 September 2024. Hari Pelanggan Nasional, 4 September 2024 Promo Bulan Inklusi Keuangan (BIK) di seluruh jaringan Kantor,
Customer Meet, Agustus 21, 2024. Bank of India Mumbai Auditor Team Visitation, 9 - 11 September 2024. National Customer Day, September 4, 2024. 11 September - 28 Oktober 2024.
Financial Inclusion Month (BIK) Promotion across all Office Networks,
September 11 - October 28, 2024.
Launching Mobile Banking, Internet Banking dan Internet Banking Bisnis, 11 Perayaan Hari Raya Deepavali, 31 October 2024. Kegiatan Promosi Pada Acara Indo Indian di Hotel The Westin Jakarta, 15 Seminar Edukasi Keuangan, Arcadia Hall Medan, 25 September 2024.
September 2024. Deepavali Celebrations, August 2, 2024. September 2024. Financial Education Seminar, Arcadia Hall Medan, September 25, 2024.
Launching of Mobile Banking, Internet Banking, and Internet Banking Business, Promotional Activity at the Indo Indian Event at The Westin Jakarta Hotel, 15
September 11, 2024. September 2024
Rapat Umum Pemegang Saham Luar Biasa (RUPSLB), 27 Desember 2024. Public Expose, 27 Desember 2024. Bank Goes to School, SMK Muhammadiyah 1 Jakarta, 4 Oktober 2024. Promo Bulan Inklusi Keuangan (BIK), Apartemen Taman Kemayoran Kondo-
Extraordinary General Meeting of Shareholders, December 27, 2024. Public Expose, December 27, 2024. Bank Goes to School, SMK Muhammadiyah 1 Jakarta, October 4, 2024. minium Jakarta Pusat, 26 Oktober 2024.
Financial Inclusion Month (BIK) Promotion, Taman Kemayoran Condominium
Apartment, Central Jakarta, October 26, 2024.
PT BANK OF INDIA INDONESIA Tbk PT BANK OF INDIA INDONESIA Tbk
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04 ANALISIS DAN PEMBAHASAN MANAJEMEN Management Discussion and Analysis
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Analisis dan Pembahasan Manajemen
Management Discussion and Analysis
TINJAUAN EKONOMI DAN INDUSTRI PERBANKAN TINJAUAN OPERASIONAL
ON GOING
ECONOMIC AND BANKING INDUSTRY REVIEW OPERATIONAL REVIEW
Perekonomian Global Global Economy Kinerja Produk Simpanan Bank Bank Savings Product Performance
Pada tahun 2024, terjadi dinamika geopolitik yang terus In 2024, the ongoing geopolitical dynamics, especially the
berlanjut, terutama konflik antara Rusia dan Ukraina yang conflict between Russia and Ukraine, led to energy and food 1. Giro 1. Current Account
menyebabkan krisis energi dan pangan, serta kenaikan harga crises and increased commodity prices in the global market. Bank juga menawarkan produk giro yang bertujuan untuk The Bank also offers current account products aimed at
komoditas di pasar global. Di samping itu, ketegangan geopolitik Additionally, geopolitical tensions in the Middle East escalated, mempermudah transaksi bisnis dan keuangan nasabah facilitating customers’ business and financial transactions
di Timur Tengah meningkat dan perang dagang antara Amerika and the trade war between the United States and China yang tersedia dalam mata uang Rupiah dan US Dollar dan which are available in Rupiah and US Dollar both for
Serikat dan Tiongkok terus berlanjut, menyebabkan inflasi, continued, resulting in inflation, recession and disruptions tersedia bagi perusahaan maupun individu. Giro pada tahun companies and individuals. Current accounts in 2024
resesi dan gangguan dalam jalur perdagangan di beberapa in trade routes in several countries. Despite global economic 2024 mencapai Rp444 miliar. reached Rp444 billion.
negara. Meskipun pertumbuhan ekonomi global tersendat growth slowing to around 3.2%, the global inflation rate
menjadi sekitar 3,2%, tingkat inflasi global turun menjadi 4,3%. decreased to 4.3%. 2. Rekening STAR Dollar 2. STAR Dollar Saving Account
Tabungan STAR Dollar merupakan tabungan perorangan STAR Dollar Saving Account is a savings account for
Perekonomian Indonesia Indonesian Economy dalam mata uang US Dollar dengan suku bunga yang individuals in US dollars with attractive interest rates. In
Meskipun kondisi ekonomi global tidak menentu, Indonesia telah Despite global economic uncertainties, Indonesia has menarik. Tabungan STAR Dollar pada tahun 2024 mencapai 2024, STAR Dollar Saving Account reached Rp36 billion.
menunjukkan stabilitas dalam kinerjanya di tingkat makroekonomi maintained stability in its macroeconomic performance at Rp36 miliar.
nasional. Menurut data yang dirilis oleh Badan Pusat Statistik the national level. According to data released by the Central
(BPS), pertumbuhan ekonomi Indonesia tetap solid, mencapai Statistics Agency (BPS), Indonesia’s economic growth remained 3. Tabungan Suka-Suka 3. Suka-Suka Saving Account
sekitar 5,03%. Angka ini menunjukkan pencapaian yang baik jika solid at approximately 5.03%. This figure represents a strong Tabungan Suka-Suka merupakan tabungan perorangan yang Suka-Suka Saving Account is an individual savings segmented
dibandingkan dengan tahun sebelumnya yang mencapai 5,05%. achievement compared to the previous year’s growth of 5.05%. disegmentasikan khusus untuk karyawan Bank. Tabungan specifically for Bank employees. This savings account is in
Keberhasilan ini didorong oleh peningkatan dalam konsumsi This success was driven by a 4.98% increase in household ini dalam mata uang Rupiah dengan setoran awal yang Rupiah and has a small initial deposit. With only Rp10,000,
rumah tangga sebesar 4,98% serta perkembangan investasi yang consumption and continued investment growth of 5.03%. kecil sebesar Rp10.000 sudah dapat membuka rekening employees can open Suka-Suka Saving Account at PT Bank
terus meningkat dengan pertumbuhan 5,03%. Selain itu, upaya Additionally, government efforts to curb inflation have played a Tabungan Suka-Suka di PT Bank of India Indonesia Tbk. of India Indonesia Tbk. In 2024, Suka-Suka Saving Account
pemerintah dalam menekan tingkat inflasi juga berkontribusi significant role, with the inflation rate declining to 1.57% from Tabungan Suka-Suka pada tahun 2024 mencapai Rp13 reached Rp13 billion.
besar, dengan tingkat inflasi turun menjadi 1,57% dibandingkan 2.61% in the previous year. miliar.
dengan tahun sebelumnya yang mencapai 2,61%.
4. Tabungan Si BOS 4. Si BOS Saving Account
Kondisi Industri Perbankan Banking Industry Condition Tabungan Si BOS merupakan tabungan perorangan dengan Si BOS Saving Account is an individual savings account
Industri perbankan pada kuartal IV tahun 2024 menunjukkan The Banking industry in the fourth quarter of 2024 showed a segmentasi pasar yaitu pengusaha dan karyawan. Tabungan segmented for entrepreneurs and employees. This savings
fondasi yang kuat dalam menjaga stabilitas ekonomi. strong foundation in maintaining economic stability. Credit ini dalam mata uang Rupiah dengan suku bunga yang is in Rupiah and has attractive interest rates. In 2024 Si BOS
Pertumbuhan kredit yang mencapai 10,39% (yoy) mengikuti growth of 10.39% (yoy) followed Bank Indonesia’s forecast of menarik. Tabungan Si BOS pada tahun 2024 mencapai Rp76 Saving Account reached Rp76 billion.
dengan baik prakiraan Bank Indonesia yang berada dalam kisaran 10-12%, driven by investment and working capital loans which miliar.
10-12%, didorong oleh kredit investasi dan modal kerja yang increased by 13.62% and 8.35% respectively. In this context, key
tumbuh sebesar 13,62% dan 8,35%. Dalam konteks ini, sektor- sectors such as Transportation, Social Services, Trade, Electricity, 5. TabunganKu 5. TabunganKu
sektor utama seperti Pengangkutan, Jasa Sosial, Perdagangan, Gas and Water also contributed significantly to credit growth, TabunganKu merupakan salah satu produk Bank yang TabunganKu is one of the Bank’s products aimed at
Listrik, Gas dan Air turut serta memberikan kontribusi yang strengthening the foundation of overall economic growth. bertujuan membumikan Gerakan Indonesia Menabung. popularizing Indonesia Saving Movement. This product is
signifikan terhadap pertumbuhan kredit, memperkuat fondasi Produk ini diterbitkan bersama oleh bank-bank di Indonesia jointly published by banks in Indonesia as an implementation
pertumbuhan ekonomi secara menyeluruh. sebagai implementasi dari program Bank Indonesia untuk of the Bank of Indonesia program to foster a culture of
menumbuhkan budaya menabung dan meningkatkan saving money and improving the community welfare. In
Sementara itu, indikator keuangan perbankan menunjukkan Meanwhile, banking financial indicators showed solid resilience kesejahteraan masyarakat. TabunganKu pada tahun 2024 2024, TabunganKu reached Rp12 million.
ketahanan yang solid pada akhir tahun 2024. Rasio kecukupan by the end of 2024. The capital adequacy ratio (CAR) reached mencapai Rp12 juta.
modal (Capital Adequacy Ratio/CAR) mencapai 27,86% dan rasio 27.86% and the liquid assets to third-party funds (AL/DPK) ratio
Alat Likuid terhadap Dana Pihak Ketiga (AL/DPK) tetap tinggi pada remained high at 28.73%, confirming the Banks’ capability to 6. Tabungan Berjangka STAR Plan 6. STAR Plan Term Savings
28,73%, menegaskan kapabilitas perbankan dalam mendukung support credit growth while maintaining financial stability. Tabungan Berjangka STAR Plan adalah produk tabungan STAR Plan Term Savings is a savings product that uses an
pertumbuhan kredit sambil menjaga stabilitas keuangan. Moreover, the low Non-Performing Loan (NPL) ratio, at 2.19% yang menggunakan fitur auto debit setiap bulannya sesuai auto debit feature every month according to the nominal
Ditambah lagi, rasio kredit bermasalah (Non-Performing Loan/ (gross) and 0.75% (net), signaled the effectiveness of risk dengan nominal dan selama jangka waktu yang diinginkan and during the desired period of time and has been agreed
NPL) yang rendah, dengan angka 2,19% (bruto) dan 0,75% (neto), management in maintaining the quality of banking assets. Thus, serta telah disepakati bersama Nasabah. Tabungan with the customer. STAR Plan Term Savings in 2024 reached
menandakan efektivitas manajemen risiko dalam menjaga the Banking industry plays an important role as a key driver in Berjangka STAR Plan pada tahun 2024 mencapai Rp136 juta. Rp136 million.
kualitas aset perbankan. Dengan demikian, industri perbankan supporting economic progress.
memegang peranan penting sebagai pendorong utama dalam 7. Deposito Berjangka 7. Time Deposit
mendukung kemajuan ekonomi. Bank memiliki produk deposito berjangka sebagai sarana The Bank has a time deposit product as a means of placement
penempatan dana yang menghasilkan tingkat investasi yang of funds that produces a maximum level of investment for
maksimal bagi para nasabahnya. Deposito berjangka Bank its customers. Bank time deposits are available in Rupiah
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tersedia dalam mata uang Rupiah dan US Dollar dengan and US Dollar with a choice of terms of 1, 3, 6, or 12 months Berikut Perkembangan Pinjaman Bank
pilihan jangka waktu 1, 3, 6, atau 12 bulan dan fasilitas and an Automatic Roll Over (ARO) facility for its customers. Following are the development of Bank’s loan
Automatic Roll Over (ARO) untuk memudahkan para Deposits in 2024 reached Rp2,499 billion.
( Dalam jutaan Rupiah / In million Rupiah)
nasabahnya. Deposito pada tahun 2024 mencapai Rp2.499
miliar. 2024
Uraian / Description Mikro / Micro Kecil / Small Menengah / Medium Korporasi / Corporate Total / Total
8. Deposito Double STAR 8. Double STAR Deposit
Kredit Modal Kerja
Bank memiliki alternatif produk deposito berjangka yaitu The Bank has an alternative time deposit product, the Working Capital Loan
25.320 51.210 302.231 3.554.199 3.932.960
Deposito Double STAR yang memberikan manfaat dengan Double STAR Deposit, which provides benefits with higher
Kredit Investasi
imbal hasil pokok yang lebih tinggi pada akhir periode principal returns at the end of the placement period in 2.162 2.284 81.292 93.913 179.651
Investment Loan
penempatan dalam bentuk bunga majemuk setiap triwulan the form of quarterly compound interest in Rupiah and US Kredit Konsumsi
- - - 27.700 27.700
dalam mata uang Rupiah dan US Dollar dengan pilihan Dollars with a choice of 6 and 12 month terms and ARO Consumer Loan
jangka waktu 6 dan 12 bulan dan fasilitas ARO dan Non ARO and Non ARO facilities to facilitate customers. Double STAR TOTAL 27.482 53.494 383.523 3.675.812 4.140.311
untuk memudahkan para nasabah. Deposito Double STAR Deposit in 2024 will reach Rp25 billion.
pada tahun 2024 mencapai Rp25 miliar. ( Dalam jutaan Rupiah / In million Rupiah)
2023
Berikut Perkembangan Penghimpunan Dana Bank
Following are The Development of Bank’s Funding Uraian / Description Mikro / Micro Kecil / Small Menengah / Medium Korporasi / Corporate Total / Total
Kredit Modal Kerja
( Dalam jutaan Rupiah / In million Rupiah) 21.078 46.373 284.058 3.119.714 3.471.203
Working Capital Loan
Uraian / Description 2024 2023 Pertumbuhan / Growth (%) Kredit Investasi
Investment Loan
1.179 19.592 61.182 131.348 213.300
Giro / Current Account 481.456 349.408 37,79
Kredit Konsumsi
- - - 31.630 31.649
Consumer Loan
Tabungan / Saving Account 96.460 173.943 (44,54)
TOTAL 22.257 65.965 345.240 3.282.692 3.716.152
Deposito / Time Deposits 2.524.789 2.177.451 15,95
TOTAL 3.102.705 2.700.802 14,88 URAIAN ATAS KINERJA KEUANGAN BANK OVERVIEW OF BANK’S FINANCIAL PERFORMANCE
Uraian atas kinerja keuangan Bank disajikan sesuai dengan The description of the Bank’s financial performance is presented
kaidah yang tertuang dalam Pernyataan Standar Akuntansi in accordance with the rules contained in the Statement
Kinerja Produk Pinjaman Bank Bank Loan Product Performance Keuangan (PSAK) Indonesia dan Pedoman Akuntansi dan of Indonesian Financial Accounting Standards (PSAK) and
Pelaporan untuk Industri Perbankan di Indonesia. Selain itu, Accounting and Reporting Guidelines for the Banking Industry
1. Pinjaman Korporasi 1. Corporate Loan Laporan Keuangan Bank telah diaudit oleh Kantor Akuntan in Indonesia. In addition, the Bank’s Financial Statements
Bank memberikan layanan kredit bagi nasabah korporasi The Bank provides credit services for corporates with Publik Kanaka Puradiredja, Suhartono (member dari NEXIA have been audited by the Public Accounting Firm of Kanaka
dengan tingkat suku bunga yang kompetitif. Adapun layanan competitive interest rates. The credit services provided to International) dengan pendapat wajar tanpa pengecualian Puradiredja, Suhartono (a member of NEXIA International)
kredit yang diberikan untuk mendukung usaha nasabah support the business of corporate customers include: sebagaimana tercantum dalam laporannya tanggal 18 Maret with an unqualified opinion as stated in its report dated March
korporasi diantaranya adalah: 2025, dalam semua hal yang material, posisi keuangan Bank 18, 2024, in all material respects, the Bank’s financial position
• Kredit Modal Kerja • Working Capital Loans tanggal 31 Desember 2024 serta kinerja keuangan dan arus on December 31, 2024 as well as its financial performance
• Kredit Investasi • Investment Loans kasnya untuk tahun yang berakhir pada tanggal tersebut, sesuai and cash flows for the year then ended, in accordance with
• Kredit Konsumsi • Consumer Loans dengan Standar Akuntansi Keuangan (SAK) di Indonesia. Indonesian Financial Accounting Standards (SAK).
2. Pinjaman Ritel 2. Retail Loan Laporan Posisi Keuangan - Total Aset
Bank juga memberikan fasilitas kredit pada para pengusaha The Bank also provides credit facilities to retail Financial Position Report - Total Assets ( Dalam jutaan Rupiah / In million Rupiah)
ritel terutama untuk mengembangkan usahanya dengan entrepreneurs, especially to develop their businesses, with
tingkat suku bunga yang kompetitif. Adapun layanan kredit competitive interest rates. The credit services provided
Uraian / Description 2024 2023 Pertumbuhan / Growth (%)
yang diberikan diantaranya adalah: include: Kas
14.061 11.454 22,76
• Kredit Modal Kerja • Working Capital Loans Cash
• Kredit Investasi • Investment Loans Giro Pada Bank Indonesia
150.336 189.005 (20,46)
• Kredit Konsumsi • Consumer Loans Current Accounts with Bank Indonesia
Giro Pada Bank Lain - Bersih
7.270 7.665 (5,16)
Current Accounts with Other Banks - Net
Penempatan pada Bank Indonesia dan Bank Lain
103.985 229.675 (54,73)
Placement with Bank Indonesia and Other Banks
Efek - efek - Bersih
1.962.741 1.113.742 76,23
Securities - Net
Efek-efek yang dibeli dengan janji dijual kembali
266.444 719.192 (62,95)
Securities purchased under agreements to resell
Tagihan Derivatif
1.350 153 781,45
Derivative Receivables
Kredit yang diberikan - Kotor
4.140.311 3.716.154 11,41
Loans - Gross
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Dana Pihak Ketiga (DPK) Third Party Fund
Uraian / Description 2024 2023 Pertumbuhan / Growth (%) Di tahun 2024, Bank mencatat dana pihak ketiga sebesar Rp3.103 In 2024, the Bank recorded third party funds of Rp3,103 billion.
miliar. Nilai ini mengalami kenaikan sebesar 14,88% dibandingkan This value increased by 14.88% compared to the previous position
CKPN
(119.077) (166.948) (28,67) posisi sebelumnya pada tahun 2023 sebesar Rp2.701 miliar. in 2023 of Rp2,701 billion. This was due to the implementation
Allowance For Impairment Losses
Kredit yang diberikan - Bersih Hal ini disebabkan oleh berjalannya strategi pemasaran yang of intense marketing strategies in an effort to raise third party
4.021.234 3.549.206 13,30
Loans - Net dilakukan secara intens dalam upaya penghimpunan dana pihak funds by the Bank where CASA and time deposits have increased
Aset Tetap - Bersih
125.865 126.817 (0,75)
ketiga yang dilakukan oleh Bank di mana CASA dan deposito from the previous year by 10.43% and 15.95% respectively.
Fix Asset - Net berjangka mengalami kenaikan dari tahun sebelumnya masing-
Aset tak berwujud - Bersih masing sebesar 10,43% dan 15,95%.
5.481 4.722 16,08
Intangible asset - Net
Aset Pajak Tangguhan - Bersih
Deferred tax assets - Net
20.681 23.326 (11,34) Giro dan Tabungan (CASA) Current Account and Savings Account (CASA)
Pada tahun 2024 Bank mencatat peningkatan CASA sebesar In 2024, the Bank recorded an increase in CASA of Rp55 billion
Agunan yang Diambil Alih - Bersih
96.235 128.874 (25,33) Rp55 miliar atau menjadi sebesar Rp578 miliar dibanding tahun or amounting to Rp578 billion compared to Rp523 billion in the
Foreclosed Collateral - Net
Aset lain - lain sebelumnya sebesar Rp523 miliar. Hal ini disebabkan oleh previous year. This was caused by an increased demand from
39.474 23.434 68,45
Other Assets pendekatan secara persuasif terhadap nasabah dan strategi persuasive approach to customers and marketing strategies
TOTAL 6.815.157 6.128.562 11,20 pemasaran yang dilakukan oleh Bank dalam menghimpun carried out by the Bank in raising CASA funds were quite effective
dana CASA cukup efektif dalam meyakinkan nasabah untuk in convincing customers to save their funds in the form of Current
Total Aset Total Aset menyimpan dananya dalam bentuk Giro dan Tabungan. Accounts and Savings.
Pada posisi 31 Desember 2024, Bank telah mencatatkan total As of December 31, 2024, the Bank has recorded total assets
aset sebesar Rp6.815 miliar, angka tersebut meningkat sebesar amounting to Rp6,815 billion, an increase of Rp686 billion or Deposito Berjangka Time Deposits
Rp686 miliar atau 11,20% dibandingkan pencatatan tahun 11.20% compared to the previous year’s recording of Rp6,128
Dana deposito berjangka mengalami kenaikan sebesar 15,95%, Time deposit funds increased by 15.95%, from Rp2,177 billion
sebelumnya sebesar Rp6.128 miliar. Peningkatan total aset ini billion. This increase in total assets is mainly due to the increase
terutama disebabkan oleh peningkatan efek-efek - bersih dan in net securities and loans. dari Rp2.177 miliar di tahun 2023 menjadi Rp2.525 miliar di in 2023 to Rp2,525 billion in 2024. The increase was due to
penyaluran kredit. tahun 2024. Adapun kenaikan ini disebabkan oleh strategi Bank the Bank’s strategy in providing competitive interest rates to
dalam memberikan suku bunga yang kompetitif kepada nasabah customers through intense persuasive approaches.
Kredit yang diberikan Loan Disbursed melalui pendekatan persuasif secara intensif.
Pada posisi 31 Desember 2024, total kredit yang diberikan Bank As of December 31, 2024, the total loans granted by the Bank
pada akhir tahun 2024 tercatat meningkat menjadi Rp4.140 miliar at the end of the year amounted to Rp4,140 billion, an increase Simpanan dari Bank Lain Deposit from Other Banks
atau sebesar 11,41% dibandingkan tahun sebelumnya sebesar of 11.41% compared to the previous year’s Rp3,716 billion. This Di tahun 2024, simpanan dari bank lain meningkat signifikan In 2024, deposits from other banks increased significantly to
Rp3.716 miliar. Hal ini disebabkan oleh meningkatnya portofolio was due to the increasing loan portfolio of the Bank through menjadi Rp209 miliar, dibandingkan dengan posisi tahun Rp209 billion, compared to the previous year’s position of Rp44
kredit Bank melalui aktivitas Direct dan Indirect Marketing baik both Direct and Indirect Marketing activities, both in organic and sebelumnya sebesar Rp44 juta. Peningkatan ini disebabkan million. This increase was driven by the need for short-term
dalam menyalurkan kredit secara organik maupun non-organik. non-organic loans.
karena adanya kebutuhan likuiditas jangka pendek, sejalan liquidity, aligned with the liquidity management strategy that
Total Liabilitas dengan strategi pengelolaan likuiditas yang dilakukan secara was adaptively implemented to meet the Bank’s operational
Total Liabilities ( Dalam jutaan Rupiah / In million Rupiah) adaptif sesuai dengan kebutuhan pendanaan operasional Bank. funding requirements.
Uraian / Description 2024 2023 Pertumbuhan / Growth (%)
Liabilitas Segera Immediate Liabilities
Liabilitas Segera Di tahun 2024 Bank mencatat liabilitas segera sebesar Rp718 In 2024 the Bank recorded immediate liabilities of Rp718 million
718 1.298 (44,65)
Current Liabilities
juta lebih rendah dibandingkan tahun sebelumnya sebesar lower than the previous year of Rp1 billion. This decrease was
Simpanan nasabah
Deposits from customers
3.102.706 2.700.802 14,88 Rp1 miliar. Penurunan tersebut disebabkan oleh biaya dan caused by costs and interests still to be paid in rupiah and a
a. Giro
bunga yang masih harus dibayar dalam mata uang rupiah dan decrease in interest and expenses payable in foreign currency.
481.456 349.408 37,79
Current Account penurunan kiriman uang bunga dan biaya yang masih harus
b. Tabungan dibayar dalam mata uang asing.
96.460 173.943 (44,54)
Saving Account
c. Deposito Berjangka
2.524.789 2.177.451 15,95
Utang Pajak Tax Payable
Time Deposit
Bank mencatat utang pajak di tahun 2024 sebesar Rp2 miliar, The Bank recorded tax payable in 2024 amounting to Rp2
Simpanan dari bank lain jumlah ini menurun sebesar 71,73% atau sekitar Rp6 miliar billion, this amount decreased by 71.73% or around Rp6 billion
209.297 44 478.319,87
Deposits from other banks
dibandingkan dengan tahun 2023 yang tercatat sebesar Rp8 compared to 2023 which was recorded at Rp8 billion. This
Liabilitas Derivatif
Derivative Liabilities
2.204 97 2.169,62 miliar. Penurunan ini disebabkan oleh menurunnya pajak decrease was due to the decrease in income tax article 21, article
Utang Akseptasi
penghasilan pasal 21, pasal 23/26 dan pasal 29. 23/26 and article 29.
- 1.297 (100,00)
Acceptance Payables
Utang Pajak Liabilitas Imbalan Pasca Masa Kerja Obligation for Post-Employment Benefits
2.291 8.106 (71,73)
Tax Payable Pada tahun 2024, liabilitas imbalan pasca masa kerja tercatat In 2024, the liabilities for post-employment benefits stabilized
Pendapatan diterima dimuka
4.719 2.014 134,35
stabil di angka Rp20 miliar. at Rp20 billion.
Unearned income
Liabilitas Imbalan Pasca Masa Kerja
20.047 20.018 0,15
Employee Benefits Liabilities
Liabilitas lain-lain
15.812 16.447 (3,86)
Other Liabilities
TOTAL 3.357.794 2.750.121 22,10
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Ekuitas Pendapatan Bunga Interest Income
Equities ( Dalam jutaan Rupiah / In million Rupiah) Pendapatan Bunga Bank pada tahun 2024 telah tercatat sebesar Bank interest income in 2024 was recorded at Rp430 billion, an
Rp430 miliar, angka tersebut meningkat sebesar Rp75 miliar increase of Rp75 billion or 21.18% from the previous year, which
Uraian / Description 2024 2023 Pertumbuhan / Growth (%)
atau 21,18% dari tahun sebelumnya yaitu sebesar Rp355 miliar. was Rp355 billion. The Bank’s interest income increased in line
Modal Saham 737.773 737.773 0,00 Pendapatan bunga Bank meningkat sejalan dengan ekspansi with the ongoing expansion loan and Placement in Securities.
Share Capital
kredit dan penempatan dana Bank di Surat Berharga.
Uang Muka Setoran Modal - - -
Advance Payment of Capital
Beban Bunga Interest Expense
Tambahan Modal Disetor
Additional Paid in Capital 2.895.254 2.895.154 0,00 Beban Bunga Bank pada tahun 2024 telah tercatat sebesar Bank interest expenses in 2024 were recorded at Rp144 billion,
Dana Setoran Modal
Rp144 miliar, angka tersebut meningkat sebesar Rp44 miliar an increase of Rp44 billion or 44.08% from the previous year,
- - - atau 44,08% dari tahun sebelumnya yang tercatat sebesar Rp100 which was recorded at Rp100 billion. This increase was due to
Capital Deposit Fund
Surplus revaluasi aset - setelah pajak miliar. Hal ini disebabkan oleh kenaikan beban bunga simpanan the rise in the interest expense of deposits in the form of time
107.627 107.627 0,00
Surplus on revaluation of fixed assets- net dalam bentuk deposito berjangka. deposits.
Rugi belum direalisasikan atas pemilikan efek tersedia untuk dijual - - -
Unrealized gain on available for sale securities Pendapatan Bunga Bersih Net Interest Income
Pengukuran kembali atas program imbalan pasti - bersih Pendapatan bunga bersih Bank di tahun 2024 mengalami The Bank’s net interest income in 2024 experienced an increase
(1.260) (1.327) (5,06)
Remeasurement of defined benefit plan - net of Rp30 billion or 12.15%, reaching Rp286 billion compared to
peningkatan sebesar Rp30 miliar atau 12,15% menjadi
Saldo Laba (Rugi) Rp255 billion in 2023. This increase was driven by the rise in
Retained earnings (Loss) - - - Rp286 miliar dibanding tahun 2023 sebesar Rp255 miliar.
Adapun peningkatan ini disebabkan oleh adanya peningkatan interest income in line with the growth in credit disbursement
a. Ditentukan penggunaannya / Appropriated 20.000 20.000 0,00 and Placement in idle fund Securities.
pendapatan bunga seiring dengan naiknya penyaluran kredit
b. Tidak ditentukan penggunaannya / Unappropriated (302.031) (380.786) (20,68) dan penempatan dana Bank yang belum dimanfaatkan di Surat
TOTAL 3.457.363 3.378.441 78.922 Berharga.
Pada tahun 2024, total ekuitas Bank mencapai Rp3.457 miliar, In 2024, the Bank’s total equity reached Rp3,457 billion, an Pendapatan Operasional Lainnya Other Operational Income
meningkat Rp79 miliar atau sebesar 2,34% dari tahun 2023 increase of Rp79 billion or 2.34% from 2023 at Rp3,378 billion. Pendapatan operasional lainnya di tahun 2024 sebesar Rp25 Other operating income in 2024 amounted to Rp25 billion, an
mencapai Rp3.378 miliar. miliar, mengalami kenaikan sebesar 101,12% atau Rp12 increase of 101.12% or Rp12 billion compared to Rp13 billion in
miliar dibanding tahun 2023 sebesar Rp13 miliar. Kenaikan ini 2023. This increase was due to the recovery of loans that had
disebabkan oleh adanya penerimaan kembali kredit yang telah been written off which was compensated by the number of fees
Laporan Laba Rugi dihapus buku dan pendapatan dari provisi dan komisi selain dari and commissions other than loans.
Income Statement ( Dalam jutaan Rupiah / In million Rupiah)
kredit.
Uraian / Description 2024 2023 Pertumbuhan / Growth (%)
Beban Operasional Operating Expenses
Pendapatan Bunga
Interest Income 430.199 355.025 21,17 Beban operasional terdiri dari beban gaji dan tunjangan, beban Operating expenses consist of salaries and allowances, general
Beban Bunga
umum dan administrasi, serta beban operasional lainnya. and administrative expenses, as well as other operational
(144.627) (100.382) 44,08
Interest expenses Pada tahun 2024 total beban operasional sebesar Rp105 expenses. In 2024, total operational expenses amounted to Rp105
Pendapatan bunga bersih miliar meningkat bila dibandingkan dengan tahun sebelumnya billion, an increase compared to Rp89 billion in the previous year.
285.572 254.643 12,15
Net Interest income sebesar Rp89 miliar. Adapun peningkatan ini disebabkan oleh This increase was due to the rise in Bank’s operational expenses
Pendapatan operasional lainnya 25.411 12.635 101,12
adanya kenaikan beban operasional Bank dalam pengembangan in the development of technology and information.
Other operating income
teknologi dan informasi.
Pembentukan cadangan kerugian penurunan nilai atas aset keuangan (102.860) (117.882) 12,74
Provision for impairment losses on financial assets
Laba (Rugi) Operasional Operational Income (Loss)
Beban Operasional Lainnya Bank mencatatkan laba operasional sebesar Rp103 miliar The Bank recorded an operating profit of Rp103 billion in 2024,
(105.003) (89.282) 17,61
Other Operating Expenses
pada tahun 2024, meningkat sebesar Rp43 miliar dari tahun marking an increase of Rp43 billion from the previous year
Beban Operasional Lainnya - Bersih
Other Operating Expenses - Net (182.452) (194.529) (6,21) sebelumnya mencatatkan laba operasional sebesar Rp60 operating income of Rp60 billion. This increase was driven by the
miliar. Adapun peningkatan ini disebabkan oleh meningkatnya growth in net interest income derived from the Bank’s earning
Laba (Rugi) Operasional 103.120 60.114 71,54 pendapatan bunga bersih yang berasal dari aktiva produktif assets and other operating income from the recovery of loans
Operating Income (Loss)
yang dimiliki oleh Bank dan pendapatan operasional lainnya dari that have been written off.
Laba (Rugi) Non Operasional (1.805) (1.312) 37,57 penerimaan kembali kredit yang telah dihapus buku.
Non-Operating Income (Loss)
Laba sebelum Manfaat (Beban) Pajak Penghasilan
Profit before Income Tax Benefit (Expense) 101.315 58.802 72,30 Laba (Rugi) Tahun Berjalan Income (Loss) for the Year
Manfaat (Beban) Pajak Penghasilan Tangguhan
Pada tahun 2024, Bank berhasil mencatatkan laba tahun In 2024, the Bank managed to record a profit for the year of Rp79
(22.560) (9.971) 126,26 berjalan sebesar Rp79 miliar, lebih baik dari tahun sebelumnya billion, better than the previous year which was recorded at
Deferred Income Tax Benefit (Expense)
Laba (Rugi) Tahun Berjalan yang tercatat sebesar Rp49 miliar. Adapun perolehan laba Rp49 billion. This profit gain was due to income originating from
78.755 48.831 61,28
Income (Loss) for the Year ini disebabkan oleh adanya pendapatan yang berasal dari an increase in net interest income and Bank operational income.
Jumlah Penghasilan Komprehensif Tahun Berjalan yang Diatribusikan peningkatan pendapatan bunga bersih dan pendapatan
Kepada Pemilik Entitas Induk
78.822 49.713 58,55 operasional Bank.
Comprehensive Income for the Year Attributable to Equity Holders of
Parent Entity
Jumlah Penghasilan Komprehensif Tahun Berjalan yang Diatribusikan
Kepada Kepentingan Non Pengendali
- - -
Comprehensive Income for the Year Attributable to Non-Controlling
Interests
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Laporan Arus Kas Rasio Keuangan
Cash Flow Statement (Dalam jutaan Rupiah / In million Rupiah) Financial Ratio ( Dalam Presentase / In million Percentage)
Uraian / Description 2024 2023 Pertumbuhan / Growth (%) Pos - Pos
31 Desember 2024
31 December 2024
31 Desember 2023
31 December 2023
Arus Kas Bersih Dari (untuk) Aktivitas Operasi I. Rasio Kinerja / Performance Ratios
243.374 (1.054.621) (123,08)
Cash Flows From (for) Operating Activities
Arus Kas Bersih Dari (untuk) Aktivitas Investasi 1. Kewajiban Penyediaan Modal Minimum (KPMM) /
(404.773) 1.160.479 (134,88) 88,58 92,54
Cash Flows From (for) Investing Activities CAR Associated with Credit Risk and Operational Risk
Arus Kas Dari Aktivitas Pendanaan
(496) (3.791) (86,91)
Cash Flows From Financing Activities
2. Aset Produktif dan Non Produktif Bermasalah Terhadap Total Aset Produktif dan Non Produktif /
5,06 5,80
Kenaikan (Penurunan) Net Kas dan Setara Kas Non-Performing Earning Assets and Non-Earning Assets to Total Earning Assets and Non-Earning Assets
(161.895) 102.067 (258,62)
Net Increase (Decrease) in Cash and Cash Equivalents
Kas dan Setara Kas Awal Tahun 3. Aset Produktif Bermasalah Terhadap Total Aset Produktif /
437.800 339.578 28,92 3,70 4,03
Cash and Cash Equivalents at Beginning of year Non-Perfoming Earning Assets to Total Earning Assets
Kas dan Setara Kas Akhir Tahun
275.651 437.800 (37,04)
Cash and cash Equivalents at end of year 4. Cadangan Kerugian Penurunan Nilai (CKPN) Aset Keuangan Terhadap Aset Produktif /
1,84 2,73
Risk Weighted Assets
Kas dan Setara Kas Akhir Tahun End of Year Cash and Cash Equivalents 5. NPL Gross / Non Performing Loans Gross 6,02 6,28
Pada tahun 2024, Bank mencatatkan kas dan setara kas akhir In 2024, the Bank recorded cash and cash equivalents at the end
tahun yang mencapai Rp275 miliar. Kas dan setara kas akhir of the year reaching Rp275 billion. Cash and cash equivalents at 6. NPL Net / Non Performing Loans Net 3,48 3,88
tahun tersebut mengalami penurunan sebesar Rp162 miliar the end of the year decreased by Rp162 billion or 37.04% from
atau sebesar 37,04% dari kas awal tahun yang mencapai cash at the beginning of the year which reached Rp437 billion.
7. Laba Bersih Terhadap Rata-rata Aset / Return on Asset (ROA) 1,52 0,96
Rp437 miliar. Penurunan kas dan setara kas akhir tahun The decrease in cash and cash equivalents at the end of the year
tersebut disebabkan oleh penurunan dalam arus kas dari Giro was caused by decrease in cash flows from Current account with
8. Laba Bersih Terhadap Rata-rata Modal / Return on Equity (ROE) 2,39 1,49
pada Bank Indonesia dan Penempatan pada Bank Indonesia Bank Indonesia and Placements in Bank Indonesia and other
dan bank lain. banks.
9. Pendapatan Bunga Bersih (NIM) / Net Interest Margin (NIM) 4,63 4,58
Arus Kas Dari (untuk) Aktivitas Operasi Cash Flow From (for) Operating Activities
10. Beban Operasional Terhadap Pendapatan Operasional (BOPO) /
Arus kas dari aktivitas operasi Bank pada tahun 2024 tercatat The cash flow from Bank’s operating activities in 2024 was Operating Expenses to Operating Income
79,67 84,69
sebesar Rp243 miliar, sementara pada tahun sebelumnya recorded at Rp243 billion, while in the previous year, the Bank
Bank mencatatkan arus kas yang digunakan untuk aktivitas recorded cash flow used for operating activities amounting to
(Rp1,055 billion). This increase in cash flow for operating activities 11. Rasio Biaya Terhadap Pendapatan (CIR) / Cost to Income Ratio (CIR) 44,03 39,14
operasi sebesar (Rp1.055 miliar). Peningkatan kas dari
aktivitas operasi ini terjadi karena kenaikan arus kas dari occurred due to an increase in operating cash flow originating for
aktivitas operasi dengan peningkatan liabilitas operasi berupa the increase in operating liability like deposits. 12. Kredit terhadap Dana Pihak Ketiga (LDR) / Loan to Deposit Ratio (LDR) 133,44 137,59
simpanan.
II. Rasio Kepatuhan / Compliance Ratios
Arus Kas Dari (untuk) Aktivitas Investasi Cash Flow From (for) Investing Activities 1. a. Persentase Pelanggaran BMPK / Percentage of Violation to the LLL
Arus kas untuk aktivitas Investasi Bank pada tahun 2024 The cash flow for Bank’s investment activities in 2024 reached
mencapai (Rp405 miliar), sementara pada tahun sebelumnya (Rp405 billion), while in the previous year, the Bank recorded
Bank mencatatkan arus kas yang digunakan dari aktivitas cash flow used from investment activities amounting to i. Pihak Terkait / Related Party - -
investasi sebesar Rp1.160 miliar. Hal ini disebabkan oleh Rp1,160 billion. This was due to an increase in cash flows for
peningkatan arus kas untuk aktivitas investasi berupa investment activities in the form of purchases of securities ii. Pihak Tidak Terkait / Non-Related Party - -
pembelian efek-efek yang diukur pada nilai wajar melalui measured at fair value through other comprehensive income.
penghasilan komprehensif lain.
b. Persetase Pelampauan BMPK / Percentage of Exceedance to the LLL
Arus Kas Dari (untuk) Aktivitas Pendanaan Cash Flow From (for) Financing Activities
Arus kas untuk aktivitas pendanaan pada tahun 2024 tercatat The cash flow for financing activities in 2024 amounted to (Rp496 i. Pihak Terkait / Related Party - -
sebesar (Rp496 juta). Sementara di tahun sebelumnya, Bank million). Meanwhile, in the previous year, the Bank recorded
mencatatkan arus arus kas yang didapatkan untuk aktivitas cash flow obtained for financing activities amounting to (Rp3.8 ii. Pihak Tidak Terkait / Non-Related Party - -
pendanaan sebesar (Rp3,8 miliar). Hal ini disebabkan oleh billion). This was due to the absence of capital contributions, as
tidak adanya dana setoran modal seperti yang dibukukan recorded in the 2024 financial year.
dalam tahun buku 2024. 2. Giro Wajib Minimum (GWM) / Statutory Reserve Requirement
a. GWM Utama Rupiah / Primary MRR - Rupiah 5,06 7,39
b. GWM Valuta Asing / Forex MRR 4,25 4,02
3. Posisi Devisa Net / Net Open Position 0,18 0,24
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Tingkat Permodalan Bank (KPMM) Capital Adequacy Ratio (CAR) Neto (PDN) yang sesuai dengan ketentuan yang ditetapkan oleh with the regulations set by Bank Indonesia. This reflects the
Tingkat kemampuan permodalan Bank tercermin dari rasio The level of the Bank’s capital capability was reflected in the Bank Indonesia. Hal ini mencerminkan komitmen Bank dalam Bank’s commitment to conducting its operations prudently and
kecukupan modal (Capital Adequacy Ratio/CAR). Capital Capital Adequacy Ratio (CAR). The Capital Adequacy Ratio (CAR) menjalankan kegiatan operasional secara prudent dan sesuai in compliance with applicable regulations.
Adequacy Ratio (CAR) pada tahun 2024 sebesar 88,58% lebih in 2024 amounted to 88.58%, lower than the previous year of dengan peraturan yang berlaku.
rendah dibandingkan tahun sebelumnya sebesar 92,54%. 92.54%. The decrease in CAR was due to there is an increase
Penurunan CAR disebabkan karena adanya peningkatan total Aset in total Risk-Weighted Assets (RWA) in line with the increase in Struktur Modal Capital Structure
Tertimbang Menurut Risiko (ATMR) seiring dengan meningkatnya credit distribution in 2024 by 11.41% or an increase of Rp424 Direksi telah menyusun kebijakan atas struktur modal dan The Board of Directors has developed a policy on capital structure
penyaluran kredit di tahun 2024 sebesar 11,41% atau billion compared to the previous year. disetujui oleh Dewan Komisaris. Di dalam penyusunan and approved by the Board of Commissioners. In the preparation
meningkat sebesar Rp424 miliar dibanding tahun sebelumnya. perencanaan modal, Direksi turut mempertimbangkan of capital planning, the Board of Directors also considers capital
kebutuhan modal dan pertumbuhan ekonomi, pertimbangan requirements and economic growth, considerations that have
Pencapaian tersebut telah memenuhi rasio kewajiban This achievement has met the required minimum capital yang telah dibuat tentunya dikaitkan dengan risiko yang telah been made are certainly associated with anticipated risks. The
penyediaan modal minimum yang diwajibkan, yaitu 9% sampai adequacy ratio, which ranges from 9% to less than 10% of diantisipasi. Adapun tujuan Bank dalam mengelola permodalan Bank’s objectives in managing capital are to protect the ability
dengan kurang dari 10% dari ATMR untuk bank dengan profil RWA for banks with a risk profile of level 2. With strong capital adalah untuk melindungi kemampuan dalam mempertahankan to maintain business continuity, so that it is still able to provide
risiko peringkat 2. Dengan permodalan yang kuat (CAR), Bank adequacy (CAR), the Bank can continue its business expansion kelangsungan usaha, sehingga tetap mampu memberikan returns for Shareholders and benefits for other Stakeholders,
dapat terus melakukan ekspansi bisnis dan meningkatkan and enhance its performance. imbal hasil bagi Pemegang Saham dan manfaat bagi Pemangku and maintain an optimal capital structure in reducing the cost
kinerjanya. Kepentingan lainnya, serta mempertahankan struktur of capital.
permodalan yang optimal dalam mengurangi biaya modal.
( Dalam jutaan Rupiah / In million Rupiah)
Kualitas Aset Quality of Assets
Kualitas aset Bank sangat dipengaruhi oleh kolektibilitas aset The quality of the Bank’s assets was greatly influenced by the Uraian / Description 2024 2023 Pertumbuhan / Growth (%)
produktif dan non produktif di mana pada tahun 2024 Bank collectibility of productive and non-earning assets, where in 2024 Modal / Capital
mengalami penurunan rasio aset produktif bermasalah dan aset the Bank experienced an decrease in the ratio of non-performing
Modal Inti (Tier 1)
non produktif bermasalah terhadap total aset produktif dan earning assets and non-productive non-earning assets to total 3.357.542 3.291.816 2,03
Core Capital (Tier 1)
aset non produktif sebesar 5,06% mengalami penurunan dari earning assets and non-earning assets by 5.06%, a decrease from Modal Pelengkap (Tier 2)
31.897 31.087 2,61
tahun 2024 sebesar 5,80% dan rasio aset produktif bermasalah 2024 of 5.80% and the ratio of non-performing earning assets Supplementary Capital (Tier 2)
terhadap total aset produktif sedikit mengalami penurunan to total earning assets has decreased slightly to 3.70% in 2024, TOTAL MODAL 3.389.439 3.322.903 2,04
menjadi 3,70% di tahun 2024 yang juga sebelumnya sebesar which was previously 4.03% in 2023. Aset Tertimbang Menurut Risiko Untuk Risiko Kredit
3.635.421 3.424.557 7,05
4,03% di tahun 2023. Risk Weighted Assets for Credit Risk
Aset Tertimbang Menurut Risiko Untuk Risiko Operasional
191.181 166.371 14,91
Risk Weighted Assets for Operational Risk
Selain itu, dengan perbaikan pada Kredit Kualitas Rendah (KKR) Additionally, with improvements in Low-Quality Credit (KKR) and
dan kredit bermasalah (NPL), Bank berupaya secara optimal non-performing loans (NPL), the Bank is making optimal efforts Aset Tertimbang Menurut Risiko Untuk Risiko Pasar
- - -
Risk Weighted Assets for Market Risk
untuk meningkatkan kualitas kredit, termasuk menindaklanjuti to enhance credit quality, including taking follow-up actions to
Total Aset Tertimbang Menurut Risiko (ATMR)
penyelesaian kredit bermasalah guna menekan tingkat NPL. resolve non-performing loans and reduce the NPL ratio. Risk Weighted Assets Total (ATMR)
3.826.602 3.590.928 7,41
Rasio Kewajiban Penyediaan Modal Minimum (%)
Profitabilitas Profitability Capital Adequacy Ratio (CAR) (%)
88,58 92,54 -
Tingkat profitabilitas Bank di tahun 2024 membaik dan The profitability of the Bank improved significantly in 2024, Rasio Kewajiban Penyediaan Modal Minimum Sesuai Profil Risiko (%)
10,00 10,00 10,00
mencatatkan pertumbuhan yang signifikan. Bank mengalami marking a notable growth. The Bank experienced an increase in Capital Adequacy Ratio (CAR) Appropriate with Risk Profile (%)
peningkatan profitabilitas dari profit sebesar Rp49 miliar di profitability from a profit of Rp49 billion in 2023 to a profit of
tahun 2023 menjadi profit sebesar Rp79 miliar di tahun 2024. Rp79 billion in 2024. This was reflected in the achievement of the Berdasarkan persyaratan modal yang telah ditetapkan oleh Based on the capital requirements set by Bank Indonesia in
Hal ini tercermin dari pencapaian rasio Return of Asset (ROA) Return of Assets (ROA) ratio from 0.96% in 2023 to 1.52% in 2024 Bank Indonesia yang sesuai dengan perhitungan Kewajiban accordance with the calculation of the Capital Adequacy Ratio
dari 0,96% di tahun 2023 menjadi 1,52% di tahun 2024 dan rasio and Return on Equity (ROE) ratio from 1.49% in 2023 to 2.39% in Penyediaan Modal Minimum (KPMM) dan Aktiva Tertimbang (CAR) and Risk Weighted Assets (RWA). The Bank has calculated
Return on Equity (ROE) dari 1,49% di tahun 2023 menjadi 2,39% 2024. Net Interest Margin (NIM) also increased from 4.58% in Menurut Risiko (ATMR). Bank telah melakukan perhitungan the adequacy of its capital which is classified into 2 Tiers, namely
di tahun 2024. Net Interest Margin (NIM) juga meningkat dari 2023 to 4.63% in 2024. kecukupan modal yang dimiliki yang diklasifikasikan dalam 2 Tier I Core Capital and Tier II Supplementary Capital. In addition,
4,58% di tahun 2023 menjadi 4,63% di tahun 2024. Tier, yaitu Modal Inti (Tier I) dan Modal Pelengkap (Tier II). Selain the Bank maintains capital under management to address
itu, Bank memelihara modal yang dikelola untuk mengatasi the risks inherent in the banking business. The Bank’s capital
Efisiensi Efficiency risiko yang melekat dalam bisnis perbankan. Kecukupan modal adequacy is monitored using the Capital Adequacy Ratio (CAR)
Pada tahun 2024, meskipun Bank telah melakukan upaya In 2024, despite the Bank’s efforts to optimize cost efficiency, the Bank dipantau menggunakan rasio Kewajiban Penyediaan Modal as required by the Regulator.
efisiensi biaya, terjadi peningkatan Cost to Income Ratio Cost to Income Ratio (CIR) increased to 44.03% from 39.14% in the Minimum (KPMM) dan/atau disebut juga Capital Adequacy Ratio
(CIR) menjadi 44,03% dari 39,14% pada tahun sebelumnya. previous year. This increase was driven by significant investments (CAR) sebagaimana disyaratkan oleh Regulator.
Peningkatan ini disebabkan oleh investasi signifikan dalam in the development of information technology infrastructure, as
pengembangan infrastruktur teknologi informasi di mana Bank the Bank implemented Internet Banking and Mobile Banking. Pengelolaan modal Bank berfokus pada kepatuhan terhadap The Bank’s capital management focuses on compliance with
telah mengimplementasikan Internet Banking dan Mobile jumlah modal minimum yang disyaratkan dan pemeliharaan the minimum required capital amounts and maintenance of
Banking. rasio KPMM yang memadai untuk membiayai dan menopang adequate CAR ratios to finance and sustain operations and to
operasi dan untuk memaksimalkan nilai kepemilikan pemegang maximize shareholder value.
Kepatuhan Compliance saham.
Pada tahun 2024, tingkat kepatuhan Bank menunjukkan hasil yang In 2024, the Bank’s compliance level showed positive results, as
positif, sebagaimana tercermin dari tidak adanya pelanggaran reflected in the absence of violations of the Legal Lending Limit
terhadap ketentuan Batas Maksimum Pemberian Kredit (BMPK), (BMPK) provisions, no breaches of BMPK, and the fulfillment of
tidak adanya pelampauan BMPK, serta pemenuhan kewajiban Minimum Reserve Requirement (GWM) obligations as well as
Giro Wajib Minimum (GWM) dan pengelolaan Posisi Devisa the management of the Net Open Position (PDN) in accordance
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PERBANDINGAN ANTARA REALISASI TAHUN 2024 DENGAN TARGET TAHUN 2024, SERTA REALISASI TAHUN SEBELUMNYA 1. Total Aset 1. Total Assets
COMPARISON BETWEEN THE 2024 ACTUAL PERFORMANCE AND THE 2024 TARGET, AS WELL AS THE PREVIOUS YEAR’S ACTUAL Realisasi total aset pada posisi 31 Desember 2024 sebesar The realisation of total assets as at 31 December 2024 of
PERFORMANCE Rp6.815.157 juta lebih rendah sebesar Rp84.886 juta dari Rp6,815,157 million was lower by Rp84,866 million from the
target RBB sebesar Rp6.900.043 juta, dengan persentase RBB target of Rp6,900,043 million, with the percentage of
Aspek Finansial - Pencapaian Target Tahun 2024
pencapaian yang berhasil dibukukan adalah sebesar 98,77%. achievement that was successfully booked was 98.77%. This
Financial Aspect - Achievement of Targets for 2024 ( Dalam jutaan Rupiah / In million Rupiah)
Hal ini karena belum tercapainya target penyaluran kredit. was due to the unachieved credit loans targets.
Realisasi
Realisasi Budget Pencapaian (%)
Realization
Pos - pos tertentu Realization Budget
(Audited)
Achievement (%) 2. Dana Pihak Ketiga (DPK) 2. Third-Party Funds (DPK)
(Audited)
Specific posts Realisasi penghimpunan Dana Pihak Ketiga (DPK) pada posisi The realization of Third Party Funds as of 31 December 2024
31 Desember 2023 31 Desember 2024 31 Desember 2024 sebesar Rp3.102.706 juta, lebih rendah amounted to Rp3,102,706 million, lower by Rp297,294
Rp297.294 juta dari target RBB sebesar Rp3.400.000 juta, million than the RBB target of Rp3,400,000 million, with
Total Aset dengan persentase pencapaian sebesar 91,26%. Realisasi DPK a percentage achievement of 91.26%. The realization of
6.128.562 6.900.043 6.815.157 98,77
Total Assets ini mencakup realisasi dana murah adalah sebesar Rp577.916 this DPK includes the realization of cheap funds amounting
Kredit yang Diberikan juta dengan persentase pencapaian sebesar 67,99% dari to Rp577,916 million with an achievement percentage of
3.716.154 4.300.000 4.140.311 96,29
Loans target Rp850.000 juta dan realisasi deposito berjangka adalah 67.99% of the target of Rp850,000 million and the realization
Dana Pihak Ketiga
sebesar Rp2.524.789 juta dengan persentase pencapaian of time deposits amounting to Rp2,524,789 million with
2.700.802 3.400.000 3.102.706 91,26
Third Party Fund sebesar 99,01% dari target RBB sebesar Rp2.550.000 juta. an achievement percentage of 99.01% of the RBB target
Di tahun 2024, Bank memiliki likuiditas cukup besar yang of Rp2,550,000 million. In 2024, the Bank has quite large
Laba (Rugi) Tahun Berjalan (sebelum pajak)
58.802 100.845 101.315 100,47 berasal dari dana setoran modal, namun demikian, Bank akan liquidity originating from capital deposits, however, the Bank
Net Profit (Loss) for the Year (before tax)
berupaya untuk meningkatkan komposisi portofolio dana will strive to increase the composition of its low-cost fund
Laba (Rugi) Tahun Berjalan (setelah pajak)
Net Profit (Loss) for the Year (after tax)
48.831 78.654 78.755 100,13 murah melalui penawaran menarik produk baru simpanan portfolio through attractive offers of new savings products
yang dikeluarkan oleh Bank dengan dukungan layanan issued by the Bank with the support of Internet Banking and
Total Modal
3.322.903 3.400.505 3.389.439 99,67 Internet Banking dan Mobile Banking yang telah diluncurkan Mobile Banking services which have been launched at the
Total Capital
pada akhir tahun 2024. end of 2024.
Rasio-Rasio (%) Selisih
Ratios (%) Difference
3. Kredit 3. Credit
Rasio KPMM (CAR) Realisasi penyaluran kredit pada posisi 31 Desember 2024 The realization of loans as of 31 December 2024 was
92,54 83,61 88,58 4,97
Capital Adequacy Ratio (CAR)
adalah sebesar Rp4.140.311 juta, lebih rendah Rp159.689 juta Rp4,140,311 million, Rp159,689 million lower than the RBB
Rasio Modal Inti terhadap Aset Tertimbang Menurut Risiko (ATMR)
91,67 82,86 87,74 4,88 dari target RBB sebesar Rp4.300.000 juta, dengan persentase target of Rp4,300,000 million, with a percentage achievement
Core Capital to Risk Weighted Assets (RWA) Ratio
pencapaian sebesar 96,29%. Bank terus mengupayakan of 96.29%. The Bank continues to enhance loan disbursement
Rasio Leverage Modal Inti
53,71 48,84 49,05 0,21
peningkatan penyaluran kredit melalui kerja sama strategis through strategic partnerships with financial institutions
Tier 1 Leverage Ratio dengan lembaga keuangan serta fokus pada segmen UMKM. while maintaining a strong focus on the MSME segment.
Laba Bersih Terhadap Rata-rata Aset (ROA)
0,96 1,52 1,52 0,00
Return on Asset (ROA)
4. Laba (Rugi) Tahun Berjalan (Sebelum Pajak) 4. Profit (Loss) for the Year (Before Tax)
Laba Bersih Terhadap Rata-rata Modal (ROE) Dari sisi profitabilitas, laba tahun berjalan (sebelum pajak) In terms of profitability, the profit for the year (before tax)
1,49 2,36 2,39 0,03
Return on Equity (ROE) pada posisi 31 Desember 2024 ini adalah sebesar Rp101.315 as of December 31, 2024, stands at Rp101,315 million. This
juta. Nilai ini lebih tinggi dari target laba tahun berjalan figure exceeds the profit target for the year (before tax) set in
Pendapatan Bunga Bersih (NIM)
4,58 4,41 4,63 0,22 the Bank Business Plan (RBB), which was Rp100,845 million,
Net Interest Margin (NIM) (sebelum pajak) yang telah ditetapkan pada RBB yaitu
sebesar Rp100.845 juta dengan persentase pencapaian achieving a realization percentage of 100.47%. This result
Beban Operasional Terhadap Pendapatan Operasional (BOPO)
Operating Expenses to Operating Income
84,69 79,68 79,67 (0,01) sebesar 100,47%. Hal ini disebabkan karena realisasi total is due to the realization of the Bank’s total operating profit
laba operasional Bank sebesar Rp103.120 juta lebih tinggi amounting to Rp103,120 million, which is Rp2,625 million
Rasio Biaya Terhadap Pendapatan
Cost to Income Ratio (CIR)
39,14 34,30 44,03 9,73 Rp2.625 juta dari target RBB sebesar Rp100.495 juta. higher than the RBB target of Rp100,495 million.
Rasio Aset Produktif Bermasalah terhadap Total Aset Produktif
4,03 2,49 3,85 1,35 5. Permodalan 5. Capital
Non-Performing Earning Assets to Total Earning Assets Ratio
Dari aspek permodalan pada posisi 31 Desember 2024, From the aspect of capital as of 31 December 2024, the
Rasio cadangan kerugian penurunan nilai (CKPN) aset keuangan terhadap realisasi total modal adalah sebesar Rp3.389.439 juta dengan realization of total capital was Rp3,389,439 million with a
aset produktif 2,73 3,12 1,77 (1,35)
Impairment Provision on Earning Assets to Total Earning Assets Ratio persentase pencapaian sebesar 99,67% dari target RBB percentage achievement of 99.67% of the RBB target of
sebesar Rp3.400.505 juta. Hal ini disebabkan karena realisasi Rp3,400,505 million. This was due to the realization of core
NPL Gross capital of Rp3,357,542 million lower than the RBB target
NPL Gross
6,28 3,31 6,02 2,71 modal inti sebesar Rp3.357.542 juta lebih rendah dari target
NPL Net
3,88 2,50 3,48 0,98
NPL Net
Rasio Kredit terhadap Total Aset Produktif
60,65 67,18 61,50 5,69
Loan to Total Earning Assets Ratio
Rasio Kredit UMKM terhadap Total Kredit
11,66 16,11 11,22 (4,89)
MSME Loan to Total Loan Ratio
Kredit terhadap Dana Pihak Ketiga (LDR)
137,59 126,47 133,44 6,97
Loan to Deposit Ratio (LDR)
PT BANK OF INDIA INDONESIA Tbk PT BANK OF INDIA INDONESIA Tbk
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Analisis dan Pembahasan Manajemen
Management Discussion and Analysis
RBB sebesar Rp3.370.047 juta (persentase pencapaian target of Rp3,370,047 million (percentage of target achievement
Pos - Pos / Posts 2024 2023
sebesar 99,63%) dan realisasi modal pelengkap sebesar of 99.63%) and the realization of supplementary capital of
Rp31.897 juta lebih tinggi dari target RBB sebesar Rp30.459 Rp31,897 million higher than the RBB target of Rp30,459 4. Lainnya / Others - -
juta dengan pencapaian sebesar 104,72%. Saat ini rasio million with an achievement of 104.72%. Currently, the III. Tagihan Kontinjensi / Contingent Bills
KPMM (CAR) Bank masih di atas ketentuan yang ditetapkan Bank’s CAR ratio is still above the provisions set by OJK (9%
1. Garansi yang diterima / Accepted warranty - -
oleh OJK (9% - 10%) yaitu sebesar 88,58%. - 10%) at 88.58%.
2. Lainnya / Others 18.429 6.151
Aspek Non-Finansial Non-Financial Aspect
IV. Kewajiban Kontinjensi / Contingent Liability
Di tahun 2024, untuk meningkatkan portofolio dan layanan In 2024, to enhance its portfolio and services for customers,
kepada nasabah, Bank telah meluncurkan produk dan layanan the Bank launched new products and services, including 1. Garansi yang diberikan / Warranty provided 30.418 19.931
baru berupa Kredit STAR Multiguna, Deposito Double STAR, Kredit STAR Multiguna, Deposito Double STAR, and Tabungan 2. Lainnya / Others - -
Tabungan Berjangka STAR Plan, layanan Internet Banking, Berjangka STAR Plan. The Bank also introduced Internet
Internet Banking Bisnis, dan Mobile Banking yang dilengkapi Banking, Internet Banking Bisnis, and Mobile Banking,
Bank tidak memiliki komitmen dan kontinjensi signifikan lainnya The Bank does not have any other significant commitment and
fitur layanan transaksi BI-Fast dan pada layanan Internet equipped with BI-Fast transaction services. Additionally, the selain komitmen dan kontinjensi yang telah diungkapkan di atas. contingencies apart from commitment and contingencies that
Banking Bisnis telah dilengkapi juga dengan fitur transfer Internet Banking Bisnis service has also been equipped with have been disclosed.
SKN/RTGS, serta telah memiliki layanan Hotline contact center SKN/RTGS transfer features, and the Bank has established a
Hello BOII 150707 dan memperbaharui tampilan website Hotline contact center, Hello BOII 150707, as well as updated Saldo liabilitas komitmen dan kontinjensi kepada pihak-pihak Outstanding commitment and contingency liabilities to related
yang dilengkapi dengan layanan Chatbot yang diberi nama its website with a Chatbot service named TAARA, designed berelasi per 31 Desember 2024 dan 31 Desember 2023 adalah parties as of December 31, 2024 and December 31, 2023 were
TAARA untuk membantu memberikan jawaban sederhana to provide simple responses related to customer inquiries or masing-masing sebesar Rp0. Rp0.
terkait dengan pertanyaan/pengaduan nasabah mengenai complaints regarding the Bank’s products and services.
produk/layanan Bank. IKATAN MATERIAL TERKAIT INVESTASI BARANG MODAL MATERIAL BONDS FOR CAPITAL INVESTMENT
Pada tahun 2024, Bank tidak memiliki ikatan material terkait In 2024, the Bank did not have any material bonds for capital
Secara keseluruhan, kinerja Bank menunjukkan hasil yang Overall, the Bank demonstrated a positive performance, investasi barang modal yang dilakukan. Seluruh kegiatan investasi goods investments. All capital investment activities in the
successfully achieving its profit target while also expanding its barang modal dalam bentuk tanah dan bangunan, kendaraan form of land and buildings, motor vehicles, machinery and
positif, dengan keberhasilan dalam mencapai target laba
bermotor, mesin-mesin dan peralatan, perlengkapan dan equipment, office furniture were financed by the Bank in
serta penambahan produk dan layanan. Meskipun terdapat products and services. Although there were some deviations
perabotan kantor dibiayai oleh Bank dalam mata uang Rupiah. Rupiah.
beberapa deviasi dalam pencapaian target finansial, seluruh in achieving financial targets, all of them remained within
deviasi tersebut masih berada dalam batas toleransi yang an acceptable tolerance range. Supported by strong digital INVESTASI BARANG MODAL CAPITAL GOODS INVESTMENT
wajar. Didukung oleh transformasi digital dan permodalan transformation and capital structure, the Bank will continue Pada tahun 2024, Bank telah melakukan investasi barang modal In 2024, the Bank conducted capital investment aiming to
yang kuat, Bank akan terus meningkatkan efektivitas biaya to improve operational cost efficiency, strengthen prudent dengan tujuan untuk memenuhi kebutuhan kegiatan operasional meet the needs of the Bank’s operational activities. The capital
operasional, memperkuat penyaluran kredit secara prudent, loan disbursement, and increase third-party funds. These Bank. Adapun kegiatan investasi barang modal tersebut sebagai investment activities were as follows:
serta mendorong peningkatan dana pihak ketiga. Upaya efforts aim to ensure the Bank’s Business Plan (RBB) targets berikut:
ini dilakukan agar target Rencana Bisnis Bank (RBB) dapat are achieved consistently and sustainably. (Dalam jutaan Rupiah / In million Rupiah)
tercapai secara konsisten dan berkelanjutan.
Uraian / Description 2024 2023
INFORMASI-INFORMASI MATERIAL LAINNYA OTHER MATERIAL INFORMATIONS Harga Perolehan / Acquisition Cost
Tanah
87.302 87.302
KOMITMEN DAN KONTINJENSI COMMITMENT AND CONTIGENCIES Land
Pada tanggal 31 Desember 2024 dan 31 Desember 2023, tidak As of December 31, 2024 and December 31, 2023, there are no Bangunan
38.784 38.498
Buildings
terdapat komitmen yang mengalami penurunan nilai. Ikhtisar commitments that are impaired. The summary of the Bank’s
komitmen dan kontinjensi Bank yang dinyatakan dalam nilai commitments and contingencies stated in the contract value are Perlengkapan dan Peralatan Kantor
20.464 18.792
Office furniture and equipment
kontrak sebagai berikut. as follows.
Kendaraan Bermotor
( Dalam jutaan Rupiah / In million Rupiah) 3.889 4.032
Vehicles
Pos - Pos / Posts 2024 2023 Aset Hak Guna
7.219 6.285
Right of Use Assets
I. Tagihan Komitmen / Commitment receivables
TOTAL 157.658 154.908
1. Fasilitas pinjaman yang belum ditarik / Loans facilities that have not been
- -
withdrawn
Aset tetap kecuali tanah diasuransikan terhadap risiko kebakaran Property, plant, and equipment except land are insured against
2. Posisi Valas yang akan diterima dari transaksi spot dan derivatif / forward
554.473 51.580 dan risiko kerugian lainnya kepada PT Asuransi Central Asia fire and other risks of loss to PT Asuransi Central Asia with
Forex position to be received from spot and derivative / forward
dengan nilai pertanggungan sebesar Rp53.394.845.978 dan insurance coverage of Rp53,394,845,978 and Rp53,065,195,978
3. Lainnya / Others 70.482 71.278 Rp53.065.195.978 masing-masing pada tanggal 31 Desember as of December 31, 2024 and 2023, respectively.
2024 dan 2023.
II. Kewajiban Komitmen / Committed liabilities
1. Fasilitas kredit/pembiayaan yang belum ditarik / Loans/financing facilities
- - Manajemen telah mengkaji ulang estimasi umur ekonomis, nilai Management has reviewed the estimated useful life, residual
that have not been withdrawn
residu dan metode penyusutan aset tetap dan menyimpulkan value and depreciation method of fixed assets and concluded
a. Committed - - bahwa tidak ada perubahan metode dan asumsi pada tanggal that there were no changes in methods and assumptions
31 Desember 2024. Jumlah tercatat aset tetap yang telah as of December 31, 2024. The carrying amount of fully
b. Uncommitted 220.195 317.738
disusutkan penuh dan masih digunakan adalah sebesar depreciated fixed assets still in use was Rp17,860,500,167
2. Irrevocable L/C yang masih berjalan / Irrevocable L/C still running - 1.393 Rp17.860.500.167 dan Rp18.817.012.468 masing-masing pada and Rp18,817,012,468 as of December 31, 2024 and 2023,
tanggal 31 Desember 2024 dan 2023. respectively.
3. Posisi valas yang akan diserahkan dari transaksi spot dan derivatif /
337.995 89.226
forward / Forex position to be received from spot and derivative / forward
PT BANK OF INDIA INDONESIA Tbk PT BANK OF INDIA INDONESIA Tbk
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Analisis dan Pembahasan Manajemen
Management Discussion and Analysis
Berdasarkan penelaahan manajemen Bank, tidak Based on the Bank’s management review, there are no events
terdapat kejadian-kejadian atau perubahan-perubahan or changes in circumstances that indicate impairment of Tanggal / Date Nominal
Rate
keadaan yang mengindikasikan adanya penurunan nilai property and equipment as of December 31, 2024 and 2023. Penempatan Penerbit
Keterangan / Description Jatuh Tempo Rate
aset tetap pada tanggal 31 Desember 2024 dan 2023. Terbit Placement Issuer
Maturity (%)
Issued Amount
Date
Tidak terdapat aset tetap yang dijaminkan oleh Bank pada There are no fixed assets pledged by the Bank as of December
31Desember 2024 dan 2023. 31, 2024 and 2023. SRBI (Sekuritas Rupiah Bank Indonesia) /
03/05/2024 02/05/2025 7,33% 100.000 Bank Indonesia
SRBI (Rupiah Securities of Bank Indonesia)
INFORMASI MATERIAL MENGENAI INVESTASI, EKSPANSI, MATERIAL INFORMATION ON INVESTMENT, EXPANSION, SRBI (Sekuritas Rupiah Bank Indonesia) /
03/05/2024 02/05/2025 7,33% 100.000 Bank Indonesia
DIVESTASI, AKUISISI ATAU RESTRUKTURISASI HUTANG DIVESTMENT, ACQUISITION OR RESTRUCTURATION OF SRBI (Rupiah Securities of Bank Indonesia)
DAN MODAL DEBT AND CAPITAL
SRBI (Sekuritas Rupiah Bank Indonesia) /
08/05/2024 07/05/2025 7,45% 25.000 Bank Indonesia
SRBI (Rupiah Securities of Bank Indonesia)
INVESTASI INVESTMENT
SRBI (Sekuritas Rupiah Bank Indonesia) /
Bank melakukan investasi pada sejumlah obligasi perusahaan The Bank invested in a number of other corporate bonds with SRBI (Rupiah Securities of Bank Indonesia)
08/05/2024 07/05/2025 7,50% 25.000 Bank Indonesia
lain dengan tujuan meningkatkan profitabilitas dan kinerja objective to increase the Bank’s profitability and performance.
Bank. Adapun sumber dana untuk melakukan kegiatan investasi The source of funds used to conduct such investment activities SRBI (Sekuritas Rupiah Bank Indonesia) /
08/05/2024 07/05/2025 7,55% 25.000 Bank Indonesia
tersebut berasal dari dana yang dimiliki Bank. are from the fund owned by the Bank. SRBI (Rupiah Securities of Bank Indonesia)
SRBI (Sekuritas Rupiah Bank Indonesia) /
08/05/2024 07/05/2025 7,60% 25.000 Bank Indonesia
SRBI (Rupiah Securities of Bank Indonesia)
Tanggal / Date Nominal
Rate
Penempatan Penerbit SRBI (Sekuritas Rupiah Bank Indonesia) /
Keterangan / Description Jatuh Tempo Rate SRBI (Rupiah Securities of Bank Indonesia)
15/05/2024 14/05/2025 7,55% 25.000 Bank Indonesia
Terbit Placement Issuer
Maturity (%)
Issued Amount
Date SRBI (Sekuritas Rupiah Bank Indonesia) /
17/05/2024 16/05/2025 7,50% 50.000 Bank Indonesia
SRBI (Rupiah Securities of Bank Indonesia)
Surat Berharga - Obligasi Lainnya
SRBI (Sekuritas Rupiah Bank Indonesia) /
29/05/2024 28/05/2025 7,48% 17.402 Bank Indonesia
SRBI (Rupiah Securities of Bank Indonesia)
Surat Utang Negara (VR 0033) / Government Bonds (VR 0033) 04/05/2020 25/04/2025 6,04% 25.000 Pemerintah Indonesia
SRBI (Sekuritas Rupiah Bank Indonesia) /
Surat Utang Negara (FR 0084) / Government Bonds (FR 0084) 04/05/2020 15/02/2026 7,25% 25.000 Pemerintah Indonesia 31/05/2024 30/05/2025 7,40% 75.000 Bank Indonesia
SRBI (Rupiah Securities of Bank Indonesia)
Surat Utang Negara (FR 0084) / Government Bonds (FR 0084) 08/02/2022 15/02/2026 7,25% 50.000 Pemerintah Indonesia
SRBI (Sekuritas Rupiah Bank Indonesia) /
31/05/2024 30/05/2025 7,43% 75.000 Bank Indonesia
SRBI (Rupiah Securities of Bank Indonesia)
Surat Utang Negara (FR 0084) / Government Bonds (FR 0084) 13/06/2022 15/02/2026 7,25% 50.000 Pemerintah Indonesia
SRBI (Sekuritas Rupiah Bank Indonesia) /
Surat Utang Negara (FR 0086) / Government Bonds (FR 0086) 16/11/2021 15/04/2026 5,50% 50.000 Pemerintah Indonesia 31/05/2024 30/05/2025 7,45% 50.000 Bank Indonesia
SRBI (Rupiah Securities of Bank Indonesia)
Surat Utang Negara (FR 0086) / Government Bonds (FR 0086) 02/12/2021 15/04/2026 5,50% 50.000 Pemerintah Indonesia
SRBI (Sekuritas Rupiah Bank Indonesia) /
31/05/2024 30/05/2025 7,47% 36.695 Bank Indonesia
Surat Utang Negara (FR 0086) / Government Bonds (FR 0086) 21/01/2022 15/04/2026 5,50% 20.000 Pemerintah Indonesia SRBI (Rupiah Securities of Bank Indonesia)
Surat Utang Negara (FR 0086) / Government Bonds (FR 0086) 31/03/2022 15/04/2026 5,50% 30.000 Pemerintah Indonesia SRBI (Sekuritas Rupiah Bank Indonesia) /
05/06/2024 04/06/2025 7,43% 25.000 Bank Indonesia
SRBI (Rupiah Securities of Bank Indonesia)
Surat Utang Negara (FR 0086) / Government Bonds (FR 0086) 12/05/2022 15/04/2026 5,50% 25.000 Pemerintah Indonesia
SRBI (Sekuritas Rupiah Bank Indonesia) /
Surat Utang Negara (FR 0081) / Government Bonds (FR 0081) 26/11/2021 15/06/2025 6,50% 25.000 Pemerintah Indonesia 07/06/2024 06/06/2025 7,38% 25.000 Bank Indonesia
SRBI (Rupiah Securities of Bank Indonesia)
Surat Utang Negara (FR 0081) / Government Bonds (FR 0081) 18/08/2023 15/06/2025 6,50% 100.000 Pemerintah Indonesia
SRBI (Sekuritas Rupiah Bank Indonesia) /
07/06/2024 06/06/2025 7,39% 25.000 Bank Indonesia
Obligasi Bank Mandiri Berkelanjutan II Tahap I 2020 Seri A / SRBI (Rupiah Securities of Bank Indonesia)
11/05/2020 12/05/2025 7,75% 22.000 Bank Mandiri
Sustainable Bonds of Bank Mandiri Phase II Stage I 2020 Series A
SRBI (Sekuritas Rupiah Bank Indonesia) /
12/06/2024 11/06/2025 7,35% 25.000 Bank Indonesia
Obligasi Bank BTN Berkelanjutan IV Tahap II 2022 Seri A / SRBI (Rupiah Securities of Bank Indonesia)
23/05/2022 24/05/2025 5,50% 15.000 Bank BTN
Sustainable Bonds of Bank BTN Phase IV Stage II 2022 Series A
SRBI (Sekuritas Rupiah Bank Indonesia) /
14/06/2024 13/06/2025 7,30% 25.000 Bank Indonesia
SRBI (Sekuritas Rupiah Bank Indonesia) / SRBI (Rupiah Securities of Bank Indonesia)
02/02/2024 31/01/2025 6,80% 100.000 Bank Indonesia
SRBI (Rupiah Securities of Bank Indonesia) SRBI (Sekuritas Rupiah Bank Indonesia) /
14/06/2024 13/06/2025 7,31% 25.000 Bank Indonesia
SRBI (Rupiah Securities of Bank Indonesia)
SRBI (Sekuritas Rupiah Bank Indonesia) /
16/02/2024 14/02/2025 6,81% 50.000 Bank Indonesia SRBI (Sekuritas Rupiah Bank Indonesia) /
SRBI (Rupiah Securities of Bank Indonesia) 14/06/2024 13/06/2025 7,32% 25.000 Bank Indonesia
SRBI (Rupiah Securities of Bank Indonesia)
SRBI (Sekuritas Rupiah Bank Indonesia) / SRBI (Sekuritas Rupiah Bank Indonesia) /
08/03/2024 07/03/2025 6,83% 50.000 Bank Indonesia 14/06/2024 13/06/2025 7,33% 25.000 Bank Indonesia
SRBI (Rupiah Securities of Bank Indonesia) SRBI (Rupiah Securities of Bank Indonesia)
SRBI (Sekuritas Rupiah Bank Indonesia) /
SRBI (Sekuritas Rupiah Bank Indonesia) / 14/06/2024 13/06/2025 7,34% 25.000 Bank Indonesia
05/04/2024 04/04/2025 6,89% 20.000 Bank Indonesia SRBI (Rupiah Securities of Bank Indonesia)
SRBI (Rupiah Securities of Bank Indonesia)
SRBI (Sekuritas Rupiah Bank Indonesia) /
14/06/2024 13/06/2025 7,35% 25.000 Bank Indonesia
SRBI (Sekuritas Rupiah Bank Indonesia) / SRBI (Rupiah Securities of Bank Indonesia)
05/04/2024 04/04/2025 6,90% 20.000 Bank Indonesia
SRBI (Rupiah Securities of Bank Indonesia) SRBI (Sekuritas Rupiah Bank Indonesia) /
28/06/2024 30/06/2025 7,50% 25.000 Bank Indonesia
SRBI (Rupiah Securities of Bank Indonesia)
SRBI (Sekuritas Rupiah Bank Indonesia) /
05/04/2024 04/04/2025 6,91% 10.000 Bank Indonesia SRBI (Sekuritas Rupiah Bank Indonesia) /
SRBI (Rupiah Securities of Bank Indonesia) 28/06/2024 30/06/2025 7,55% 25.000 Bank Indonesia
SRBI (Rupiah Securities of Bank Indonesia)
SRBI (Sekuritas Rupiah Bank Indonesia) / SRBI (Sekuritas Rupiah Bank Indonesia) /
03/05/2024 02/05/2025 7,33% 100.000 Bank Indonesia 03/07/2024 02/07/2025 7,53% 25.000 Bank Indonesia
SRBI (Rupiah Securities of Bank Indonesia) SRBI (Rupiah Securities of Bank Indonesia)
PT BANK OF INDIA INDONESIA Tbk PT BANK OF INDIA INDONESIA Tbk
106 Laporan Tahunan 2024 Annual Report 2024 107
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Analisis dan Pembahasan Manajemen
Management Discussion and Analysis
Tanggal / Date Nominal
INFORMASI MATERIAL YANG TERJADI SETELAH TANGGAL
Rate
Keterangan / Description
Terbit
Jatuh Tempo Rate
Penempatan
Placement
Penerbit
Issuer
LAPORAN AKUNTAN
Maturity (%) MATERIAL INFORMATION SUBSEQUENT TO AUDITED REPORT DATE
Issued Amount
Date
SRBI (Sekuritas Rupiah Bank Indonesia) /
SRBI (Rupiah Securities of Bank Indonesia)
03/07/2024 02/07/2025 7,55% 18.599 Bank Indonesia Setelah tanggal laporan akuntan, telah terjadi perubahan After the date of the accountant’s report, there was a significant
penting dalam struktur organisasi Bank, yaitu perubahan pada change in the Bank’s organizational structure, namely a change
SRBI (Sekuritas Rupiah Bank Indonesia) / komposisi Direksi dengan penambahan jabatan baru melalui in the composition of the Board of Directors with the addition
05/07/2024 04/07/2025 7,53% 25.000 Bank Indonesia
SRBI (Rupiah Securities of Bank Indonesia)
pengangkatan Bapak Rahmat Hendratama sebagai Direktur of a new position through the appointment of Mr. Rahmat
SRBI (Sekuritas Rupiah Bank Indonesia) /
12/07/2024 11/07/2025 7,45% 23.888 Bank Indonesia Keuangan berdasarkan hasil keputusan Rapat Umum Pemegang Hendratama as Finance Director, based on the resolution of the
SRBI (Rupiah Securities of Bank Indonesia)
Saham Luar Biasa pada tanggal 27 Desember 2024 dan efektif Extraordinary General Meeting of Shareholders on December
SRBI (Sekuritas Rupiah Bank Indonesia) / menjabat sebagai Direktur Keuangan pada tanggal 17 Maret 27, 2024. He officially assumes the role of Finance Director
24/07/2024 23/04/2025 7,25% 25.000 Bank Indonesia
SRBI (Rupiah Securities of Bank Indonesia)
2025, serta penyesuaian struktur organisasi yang disusun untuk effective March 17, 2025. Additionally, adjustments have been
SRBI (Sekuritas Rupiah Bank Indonesia) /
25/07/2024 18/07/2025 7,45% 16.548 Bank Indonesia
mendukung peningkatan efektivitas dan efisiensi operasional. made to the organizational structure to enhance operational
SRBI (Rupiah Securities of Bank Indonesia) Perubahan ini merupakan bagian dari langkah strategis Bank effectiveness and efficiency. This change is part of the Bank’s
SRBI (Sekuritas Rupiah Bank Indonesia) / dalam memperkuat tata kelola dan kinerja perusahaan ke depan. strategic efforts to strengthen corporate governance and improve
02/08/2024 01/08/2025 7,25% 25.000 Bank Indonesia
SRBI (Rupiah Securities of Bank Indonesia) Informasi mengenai susunan manajemen terbaru dan struktur future performance. Detailed information regarding the latest
SRBI (Sekuritas Rupiah Bank Indonesia) / organisasi yang berlaku dapat dilihat selengkapnya pada struktur management composition and the applicable organizational
09/08/2024 08/08/2025 7,20% 25.000 Bank Indonesia
SRBI (Rupiah Securities of Bank Indonesia) organisasi baru PT Bank of India Indonesia Tbk halaman 110-111. structure can be found in the new organizational structure of PT
SRBI (Sekuritas Rupiah Bank Indonesia) / Bank of India Indonesia Tbk on pages 110-111.
09/08/2024 08/08/2025 7,23% 25.000 Bank Indonesia
SRBI (Rupiah Securities of Bank Indonesia)
SRBI (Sekuritas Rupiah Bank Indonesia) /
25/10/2024 24/10/2025 7,00% 15.000 Bank Indonesia KEBIJAKAN DIVIDEN DIVIDEND POLICY
SRBI (Rupiah Securities of Bank Indonesia)
Pelaksanaan kebijakan pembagian dividen yang diterapkan The execution of dividend distribution implemented by the Bank
SRBI (Sekuritas Rupiah Bank Indonesia) /
25/10/2024 24/10/2025 6,95% 10.000 Bank Indonesia Bank didasarkan pada ketentuan Anggaran Dasar Bank tentang in accordance with the stipulated Deed of the Bank regarding
SRBI (Rupiah Securities of Bank Indonesia)
Penggunaan Laba dan Pembagian Dividen. Berdasarkan Use of Retained Earnings and Dividend Distribution. Based on
Reverse Repo ketentuan tersebut, kebijakan pembagian dividen disesuaikan such stipulation, dividend distribution policy is to be adjusted
dengan kemampuan Bank berdasarkan keputusan yang according to the Bank’s capability based on decision reached
Surat Berharga Negara / State Securities 27/12/2024 03/01/2025 6,00% 98.923 Bank Indonesia
diambil dalam Rapat Umum Pemegang Saham (RUPS). Hal ini on General Meeting of Shareholder. This is done by taking
Surat Berharga Negara / State Securities 30/12/2024 06/01/2025 6,00% 68.707 Bank Indonesia dilakukan dengan mempertimbangkan kondisi keuangan dan into account financial condition and financial health level, and
tingkat kesehatan keuangan, serta peraturan terkait Peraturan also Bank Indonesia relevant regulation regarding core capital
Surat Berharga Negara / State Securities 31/12/2024 07/01/2025 6,00% 99.003 Bank Indonesia Bank Indonesia mengenai alokasi modal inti dan peraturan allocation and prevailing law and regulations in banking sector.
perundang-undangan yang berlaku di bidang perbankan.
EKSPANSI EXPANSION Pada tahun 2024, Bank tidak melaksanakan pembagian dividen For year 2024, Bank did not distribute cash dividend.
Pada tahun 2024, Bank tidak melakukan kegiatan ekspansi. In year 2024, Bank did not conduct any expansion activities. tunai.
DIVESTASI DIVESTMENT PROGRAM KEPEMILIKAN SAHAM OLEH KARYAWAN DAN/ SHARE OWNERSHIP PROGRAM BY EMPLOYEES AND/OR
Pada tahun 2024, Bank tidak melakukan kegiatan divestasi. In year 2024, Bank did not conduct any divestment activities. ATAU MANAJEMEN YANG DILAKSANAKAN OLEH BANK MANAGEMENT IMPLEMENTED BY THE BANKS (ESOP/MSOP)
(ESOP/MSOP)
AKUISISI ACQUISITION Pada tahun 2024, Bank tidak melaksanakan program kepemilikan In 2024, the Bank does not run a share ownership program by
Pada tahun 2024, Bank tidak melakukan kegiatan akuisisi. In year 2024, Bank did not conduct any acquisition. saham oleh karyawan dan/atau manajemen. employees and/or management.
RESTRUKTURISASI UTANG DAN/ATAU RESTRUKTURISASI RESTRUCTURISATION OF DEBT AND/OR CAPITAL
MODAL RESTRUCTURISATION
Pada tahun 2024, Bank tidak melakukan kegiatan restrukturisasi In 2024, Bank did not conduct capital restructuring activities.
modal.
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STRUKTUR ORGANISASI TERBARU PT BANK OF INDIA INDONESIA Tbk Struktur Organisasi Bank per Januari 2025
LATEST ORGANIZATION STRUCTURE OF PT BANK OF INDIA INDONESIA Tbk Bank Organizational Structure as of January 2025
Komite Audit
Audit Committee
• Ketua : Lungguk Gultom
• Anggota : Handadjaja Sulaiman
• Anggota : Maya Indreswari
Komite Remunerasi & Nominasi Dewan Komisaris
Remuneration & Nomination Committee Board of Commissioners
• Ketua : Handadjaja Sulaiman • Sudhiranjan Padhi
• Anggota : Sudhiranjan Padhi • Handadjaja Sulaiman
• Anggota : Dwi Anita • Lungguk Gultom Komite Pemantau Risiko
Risk Monitoring Committee
• Ketua : Lungguk Gultom
• Anggota : Maya Indreswari
• Anggota : Vacant
Direksi
Board of Directors
Direktur Utama
President Director
Jayaprakash Bharathan
Direktur Operasional*) Direktur Bisnis Direktur Keuangan Direktur Kepatuhan
Operations Director*) Business Director Finance Director Compliance Director
Carolina Dina Chandra Sekhar
Rahmat Hendratama**) Dennis Kusuma Halim
Rusdiana Mukherjee
Divisi Corporate Divisi
Divisi Manajemen Risiko Divisi
Divisi Operasional Divisi IT Divisi Credit Support Divisi Keamanan Siber Divisi Treasury Divisi Bisnis Planning Akutansi dan Pelaporan Divisi Kepatuhan Divisi Audit Intern
Risk Management Sumber Daya Manusia
Operations Division IT Division Credit Support Division Cyber Security Division Treasury Division Business Division Corporate Planning Accounting and Compliance Division Internal Audit Division
Division Human Capital Division
Division Reporting Division
Hary Suryawan Anurag Singh Robby Chaiyadi Erma Rumadja Santoso Pribadi Defri Kesuma Arifin Siswidodo Dwi Anita Siti Yanti E. Gultom
Ajay Kapoor Muhammad Chotib Arief Budi W
Dwiputra
Unit E-Channel & Unit Strategi Anti Fraud
Unit
Layanan Pelanggan Unit Bagian Umum Unit Legal Unit Remedial Unit Treasury Unit Akuntansi Unit Pelaporan Unit Peninjauan Kredit Unit Manajemen Risiko dan ICFR Unit Audit Intern
Pengendalian Intern
E-Channel & General Affairs Unit Legal Unit Remedial Unit Treasury Unit Accounting Unit Reporting Unit Credit Review Unit Risk Management Unit Anti Fraud Strategy and Internal Audit Unit
Internal Control Unit
Customer Care Unit ICFR Unit
Adhi Pradhana Eka Surya Chandra Hestikomah Andri Dwi Nuryanto Yoga Vindra Mawardi Vacant Irwan Ruzali Plt. Arifin Siswidodo Vacant Fakhri Maulana Taufik Agung Ismail
Unit Unit Pemantauan
Unit Operasional
Unit Administrasi Kredit Pengembangan, Proyek Unit • Kepala Cabang Cabang, Lembaga Unit
Jakarta Unit APU PPT
Credit Administration & Strategi IT Operasional IT Branch Manager Keuangan dan Sumber Daya Manusia
Operations Unit of APU PPT Unit
Unit IT Development, Project IT Operation Unit • Kepala Cabang Pengembangan Produk Human Capital Unit
Jakarta
& Strategy Unit Pembantu Branch Monitoring,
Sub Branch Manager Financial Institutions &
Vacant Kosasih Vacant Muhammad Gibril Product Development Ruri Febriani Didik W
Unit
Prity Indriaty
Garis Koordinasi Unit Sistem & Prosedur
Unit Kepatuhan Unit Perlindungan Data
Coordination Line Systems & Procedure
Compliance Unit Data Protection Unit
Unit
Direksi
Board of Directors Sary Rezeky K Vacant Vacant
*) Jabatan Rangkap Sekretaris Perusahaan
Dual Position of Corporate Secretary
**) Bapak Rahmat Hendratama resmi ditunjuk sebagai Direktur Keuangan berdasarkan hasil Rapat Umum Pemegang Saham Luar Biasa tanggal 27 Desember 2024 dan efektif menjabat pada tanggal 17
Maret 2025 sesuai surat keputusan OJK No. KEPR-4/PB.02/2025
Mr. Rahmat Hendratama was officially appointed as Finance Director through the Extraordinary General Meeting of Shareholders dated December 27, 2024 and Effectively assumed office on March
17, 2025.
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REALISASI PENGGUNAAN DANA HASIL PENAWARAN REALISATION OF USE OF PROCEED FROM PUBLIC OFFERING Dalam menjalankan kegiatan usahanya, Bank juga mengadakan In conducting its business, the Bank also entered into certain
UMUM transaksi tertentu dengan pihak-pihak berelasi. Menurut transactions with related parties. According to the Bank’s
Pada tahun 2024, Bank tidak menyelenggarakan penawaran In 2024, the Bank did not conduct a public share offering. manajemen Bank, transaksi-transaksi tersebut dilakukan dengan management, transactions with related parties were made at
umum saham. Oleh karena itu, tidak terdapat realisasi Therefore, there was no realization of fund utilization from a persyaratan dan kondisi normal seperti yang dilakukan dengan similar conditions and terms as those done with third parties,
penggunaan dana hasil penawaran umum pada periode tersebut. public offering during the period. pihak ketiga lainnya, kecuali pinjaman yang diberikan kepada except for loans to employees. These transactions include the
para karyawan. Transaksi-transaksi tersebut meliputi: following:
TRANSAKSI MATERIAL YANG MENGANDUNG BENTURAN MATERIAL TRANSACTION THAT HAS CONFLICT OF INTEREST
KEPENTINGAN DAN/ATAU TRANSAKSI DENGAN PIHAK AFILIASI AND/OR AFFILIATED PARTY TRANSACTIONS a. Giro pada Bank Lain a. Current Accounts with Other Banks
Pada tanggal 31 Desember 2024 dan 2023, persentase As of December 31, 2024 and 2023, percentages of current
SIFAT DAN TRANSAKSI PIHAK BERELASI NATURE OF RELATIONSHIP AND TRANSACTIONS WITH RELATED giro pada bank lain kepada pihak berelasi terhadap jumlah accounts with other banks to related parties to total current
PARTIES keseluruhan giro pada bank lain masing-masing sebesar accounts with other banks are approximately 15.64% and
Sifat yang Berelasi Nature of Relationship kurang lebih 15,64% dan 13,39%. 13.39% respectively.
Dalam kegiatan normal usahanya, Bank juga mengadakan In the normal course of business, the Bank entered b. Kredit b. Loans
transaksi-transaksi tertentu dengan pihak-pihak yang berelasi. into certain transaction with related parties. Pada tanggal laporan posisi keuangan, persentase kredit On the financial position reporting date, the percentage of
yang diberikan kepada pihak berelasi terhadap jumlah loans granted to related parties relative to the total amount
Transaksi dengan pihak berelasi dilakukan berdasarkan Transactions with related parties are made based on keseluruhan kredit yang diberikan adalah masing-masing of loans granted were 0% respectively as of December
persyaratan yang disetujui oleh kedua belah pihak, yang terms agreed by the parties, which may not be the same 0% pada tanggal 31 Desember 2024 dan 2023. Tingkat 31, 2024, and 2023. The annual interest rate for loans
mungkin tidak sama dengan transaksi lain yang dilakukan dengan as those of the transaction between unrelated parties. bunga per tahun untuk kredit yang diberikan kepada pihak granted to related parties is between 7.00% - 7.50% for
pihakpihak yang tidak berelasi. berelasi adalah antara 7,00% – 7,50% untuk mata uang the Indonesian Rupiah currency and 0% (no loans in USD
Rupiah dan 0% (tidak ada kredit dalam mata uang USD) currency) for foreign currencies in 2024.
Rincian sifat hubungan dan jenis transaksi yang signifikan dengan The details of the relationship and type of significant transactions untuk mata uang asing pada tahun 2024.
pihak berelasi pada tanggal 31 Desember 2024 dan 2023 adalah with related parties as of December 31, 2024 and 2023 are as
sebagai berikut: follows: c. Penempatan Dana dari Pihak-Pihak Berelasi dalam Bentuk c. Placements of Funds Related Parties in the Form of
Simpanan Deposits
• Giro • Current Accounts
Pihak-Pihak Berelasi Sifat Relasi Jenis Transaksi
Pada tanggal laporan posisi keuangan, persentase On the financial position reporting date, the percentage
Related Parties Nature of Relationship Type of Transactions
rekening giro pihak berelasi dari jumlah rekening giro of current accounts held by related parties out of the
Bank of India Pemegang Saham / Shareholders Giro pada bank lain / Current accounts with other banks
Pinjaman singkat / Call Money adalah 0,05% dan 0,06% masing-masing pada tanggal total number of current accounts is 0.05% dan 0.06%
Lungguk Gultom Komisaris / Commissioner Simpanan dari nasabah / Deposits from Customers
31 Desember 2024 dan 2023. Untuk rekening giro respectively as of December 31, 2024, and 2023. For
Rupiah, tingkat suku bunga rata-rata yang diberikan Rupiah current accounts, the average interest rate
Handadjaja Sulaiman Komisaris / Commissioner Simpanan dari nasabah / Deposits from Customers
adalah 0,25% dan 0,25% masing-masing pada tahun provided are 0.25% and 0.25% in both 2024 and 2023.
Jayaprakash Bharathan Direktur Utama / President Director Simpanan dari nasabah / Deposits from Customers
2024 dan 2023. Sedangkan untuk Dollar Amerika Meanwhile, for US Dollar accounts, the interest rate is
Chandra Sekhar Mukherjee Direktur Bisnis / Business Director Simpanan dari nasabah / Deposits from Customers Serikat adalah 0,25% dan 0,25% masing-masing pada also 0.25% in both 2024 and 2023.
Carolina Dina Rusdiana Direktur Operasional / Operational Director Simpanan dari nasabah / Deposits from Customers tahun 2024 dan 2023.
Dennis Kusuma Halim Direktur Kepatuhan / Compliance Director Simpanan dari nasabah / Deposits from Customers
Ajay Kapoor Kepala Divisi / Head of Division Simpanan dari nasabah / Deposits from Customers • Tabungan • Saving Accounts
Anurag Singh Kepala Divisi / Head of Division Simpanan dari nasabah / Deposits from Customers
Pada tanggal laporan posisi keuangan, persentase On the financial position reporting date, the
tabungan pihak berelasi dari jumlah tabungan adalah percentage of savings accounts held by related parties
Robby Chaiyadi Kepala Divisi / Head of Division Simpanan dari nasabah / Deposits from Customers
1,01% dan 0,62% masing-masing pada tanggal 31 out of the total number of savings accounts is 1.01%
Arifin Siswidodo Kepala Divisi / Head of Division Simpanan dari nasabah / Deposits from Customers
Desember 2024 dan 2023. Tingkat bunga rata-rata and 0.62% respectively as of December 31, 2024, and
Siti Yanti E Gultom Kepala Divisi / Head of Division Simpanan dari nasabah / Deposits from Customers yang diberikan adalah 0,25% dan 1,49% masing- 2023. The average interest rate provided is 0.25% and
Muhammad Chotib Kepala Divisi / Head of Division Simpanan dari nasabah / Deposits from Customers masing pada tahun 2024 dan 2023. 1.49% respectively in 2024 and 2023.
Erma Rumadja Kepala Divisi / Head of Division Simpanan dari nasabah / Deposits from Customers
Hary Suryawan Dwiputra Kepala Divisi / Head of Division Simpanan dari nasabah / Deposits from Customers • Deposito Berjangka • Time Deposits
Arief Budi Winarto Kepala Divisi / Head of Division Simpanan dari nasabah / Deposits from Customers
Pada tanggal laporan posisi keuangan, persentase On the financial position reporting date, the
deposito berjangka pihak berelasi dari jumlah percentage of time deposits held by related parties
Santoso Pribadi Kepala Divisi / Head of Division Simpanan dari nasabah / Deposits from Customers
deposito berjangka adalah 0,19% dan 0,07% masing- out of the total number of time deposits is 0.19%
Dwi Anita Kurniasih Kepala Divisi / Head of Division Simpanan dari nasabah / Deposits from Customers
masing pada tanggal 31 Desember 2024 dan 2023. and 0.07% respectively as of December 31, 2024, and
Ibrahim Iman Utomo Manajer Cabang / Branch Manager Simpanan dari nasabah / Deposits from Customers
Untuk deposito berjangka Rupiah, tingkat bunga rata- 2023. For Rupiah time deposits, the average interest
Putu Puspitha Saraswati Manajer Cabang / Branch Manager Simpanan dari nasabah / Deposits from Customers rata yang diberikan adalah 4,64% dan 4,03% masing- rate provided is 4.64% and 4.03% respectively in 2024
Tjong Indrihartini Manajer Cabang / Branch Manager Simpanan dari nasabah / Deposits from Customers masing pada tahun 2024 dan 2023. Untuk Dollar and 2023. For US Dollar time deposits, the rates are
Putu Diyah Ayu Pitaloka Manajer Cabang / Branch Manager Simpanan dari nasabah / Deposits from Customers Amerika Serikat adalah 3,96% dan 3,55% masing- 3.96% and 3.55% respectively in 2024 and 2023.
Rahmat Irfan Arfi Manajer Cabang / Branch Manager Simpanan dari nasabah / Deposits from Customers masing pada tahun 2024 dan 2023.
Indarmawan Manajer Cabang / Branch Manager Simpanan dari nasabah / Deposits from Customers
Marthania Pratiwi Manajer Cabang / Branch Manager Simpanan dari nasabah / Deposits from Customers
Eka Surya Chandra Kakak Kandung Hary Suryawan Dwiputra / Simpanan dari nasabah / Deposits from Customers
Hary Suryawan Dwiputra’s older brother
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Saldo simpanan dari nasabah dan simpanan dari bank lain dari
pihak berelasi dapat diikhtisarkan sebagai berikut:
The balances of deposits from customers and deposits from
other banks of related parties can be summarised as follows:
RENCANA BISNIS BANK TAHUN 2025-2027
BANK’S BUSINESS PLAN 2025-2027
(Dalam jutaan Rupiah / In million Rupiah)
Uraian 2025
2024 2023
Description Des 24
Indikator / Indicators 2026 2027
Audited
Triwulan 1 Triwulan 2 Triwulan 3 Triwulan 4
Simpanan dari Nasabah
Deposits from Customers
Total Aset
Total Assets 6.815.157 6.822.883 7.020.592 7.449.418 7.933.259 9.607.302 10.850.188
1. Giro
236 162
Current Accounts Total Kredit
Total Loan 4.140.311 4.230.667 4.419.558 4.655.669 4.950.000 5.700.000 6.550.000
2. Tabungan Total Dana Pihak Ketiga
976 1.086
Savings Total Third Party Fund 3.102.706 3.275.128 3.450.000 3.850.000 4.250.000 5.700.000 6.650.000
3. Deposito Berjangka Giro
4.802 1.602 Current Accounts 481.456 550.221 605.475 700.700 796.875 1.197.000 1.463.000
Time Deposits
Tabungan
Simpanan dari Bank Lain Saving Accounts 96.460 235.809 291.525 377.300 478.125 798.000 1.197.000
Deposits from Other Banks
Deposito
4. Giro Deposits 2.524.789 2.489.097 2.553.000 2.772.000 2.975.000 3.705.000 3.990.000
62 44
Current Accounts
Pendapatan Bunga
Interest Income 430.199 108.964 223.462 345.223 476.041 604.844 766.254
5. Interbank Call Money
209.235 -
Interbank Call Money
Beban Bunga
Interest Expense (144.627) (37.147) (74.746) (112.670) (152.927) (201.309) (242.034)
TOTAL 215.309 2.894
Pendapatan Bunga - Bersih
Net Interest Income - Net 285.572 71.817 148.715 232.553 323.114 403.535 524.220
Persentase Terhadap Total Liabilitas (%)
0,07 0,21
Percentage to Total Liabilities (%) Laba (Rugi) Operasional
Operating Income (Loss) 103.120 18.098 45.377 80.433 187.386 286.462 374.670
6. Pendapatan Bunga - Kredit
- 1 Laba (Rugi) Sebelum Pajak
Interest Income - Credit
Profit (Loss) Before Tax 101.315 17.353 44.792 79.874 186.852 286.712 374.970
Persentase Terhadap Total Pendapatan Bunga (%) Total Modal
- -
Percentage of Total Interest Income (%) Total Capital 3.389.439 3.405.533 3.428.921 3.458.132 3.543.786 3.793.234 4.093.209
7. Beban Bunga Modal Inti
Interest expense Core Capital 3.357.542 3.372.589 3.393.992 3.421.355 3.504.798 3.747.116 4.039.924
• Giro Rasio Keuangan (%) / Financial Ratios (%)
0,47 -
Current Accounts
Rasio Kecukupan Modal (CAR)
Capital Adequacy Ratio (CAR) 88,58 87,14 84,20 80,83 78,15 70,72 66,05
• Tabungan
9 26
Savings
Kredit Bermasalah Terhadap Total
Kredit (NPL Gross) 6,02 6,00 4,14 3,91 2,61 2,50 2,00
Non Performing Loan Ratio - Gross
• Deposito Berjangka
170 11
Time Deposits
Kredit Bermasalah Terhadap Total
Kredit - Bersih (NPL Net) 3,48 3,46 2,35 1,81 1,53 1,25 1,00
TOTAL 179 37 Non Performing Loan Ratio - Net
Rasio UMKM
Persentase terhadap total beban bunga (%) 11,28 13,06 14,06 15,06 16,06 18,06 20,06
0,01 0,04 MSME Ratio
Percentage of total interest expense (%)
Laba Bersih Terhadap Rata-rata Aset (ROA)
Return of Asset (ROA) 1,52 0,97 1,24 1,51 2,59 3,46 3,77
Laba Bersih Terhadap Rata-rata Modal (ROE)
Return on Equity (ROE) 2,39 1,61 2,07 2,45 4,26 5,97 7,24
Pendapatan Bunga Bersih (NIM)
Net Interest Margin (NIM) 4,63 4,34 4,43 4,52 4,59 4,98 5,33
Beban Operasioanal Terhadap Pendapatan
Operasional (BOPO) 79,67 87,91 84,50 81,45 72,72 62,10 57,96%
Operating Expenses to Operating Income
Kredit Terhadap Dana Pihak Ketiga (LDR)
Loan to Deposit Ratio (LDR) 133,44 129,18 128,10 120,93 116,47 100,00 98,50%
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STRATEGI BANK BANK STRATEGY untuk melakukan pembukaan rekening gaji karyawan untuk open payroll accounts for existing corporate customers,
Rencana Bisnis Bank disusun sesuai dengan visi dan misi yang The Bank’s Business Plan is prepared in accordance with the nasabah korporasi yang sudah ada (existing), meluncurkan launch the new “Suka-Suka STAR” savings product, and
ingin dicapai oleh Bank yaitu menyediakan layanan unggulan vision and mission to be achieved by the Bank, namely providing produk tabungan baru Suka-Suka STAR dan melakukan implement other marketing efforts such as door-to-door
dengan lebih memfokuskan pada perbankan ritel, berdasarkan superior services with a focus on retail banking, based on the upaya pemasaran lainnya seperti kampanye door-to-door, campaigns, participation in various events, and more.
prinsip kehati-hatian Bank dan Tata Kelola Perusahaan yang baik Bank’s prudential principles and Good Corporate Governance to berpartisipasi dalam berbagai acara, dan lainnya.
untuk meningkatkan nilai bagi Pemangku Kepentingan, di mana increase value for Stakeholders, where the Bank strives to provide 5. Meningkatkan volume bisnis kepada debitur baru dengan 5. Increasing business volume for new debtors through various
Bank berusaha untuk memberikan kontribusi terbaik untuk the best contribution to encourage economic growth and national melakukan berbagai kegiatan seperti: initiatives, such as:
mendorong pertumbuhan ekonomi dan pembangunan nasional development for the realization of the welfare of society as a a. Mempromosikan Kredit Beragun Aset (Asset Backed a. Promoting Asset-Backed Loans as a financial solution
demi terwujudnya kesejahteraan masyarakat secara menyeluruh. whole. In addition, the Bank plays an active role in demonstrating Loan) yang diberikan sebagai solusi keuangan bagi for MSME or corporate debtors.
Selain itu, Bank berperan aktif dalam menunjukkan eksistensinya its existence in the financial services sector, especially in the debitur UMKM atau korporasi;
di sektor jasa keuangan khususnya di dunia perbankan banking world by providing excellent service to customers. b. Menyelenggarakan kampanye pinjaman ritel di Kantor b. Conducting retail loan campaigns at branch offices
dengan memberikan pelayanan prima kepada nasabah. Cabang seluruh Indonesia untuk meningkatkan across Indonesia to expand the retail portfolio;
portofolio ritel;
Manajemen selalu mengupayakan langkah-langkah yang Management always strives for progressive steps, by referring to c. Memberikan pinjaman kepada para profesional c. Providing loans to professionals, such as doctors;
progresif, dengan mengacu pada hasil temuan Audit Internal the findings of the Internal and External Auditors and by taking seperti dokter;
maupun Eksternal serta dengan memperhatikan kebutuhan into account the needs of the Bank’s business development d. Meningkatkan penyaluran kredit lainnya dengan d. Expanding other credit distributions while maintaining
perkembangan bisnis Bank di masa yang akan datang. Fokus in the future. The focus of the Bank’s business development tetap memperhatikan prinsip kehati-hatian seperti prudential principles, including Providing loans to
dari strategi pengembangan bisnis Bank yang akan dijalankan strategy will be carried out in accordance with the Bank’s pemberian kredit kepada Lembaga Jasa Keuangan Non-Bank Financial Institutions for SME financing,
sesuai dengan Arah Kebijakan Bank yaitu menyalurkan kredit di Policy Directions, including loan disbusement in the productive Non Bank untuk penyaluran kredit kepada usaha Facilitating syndicated loans, which have contributed
sektor produktif baik di sektor ritel maupun Korporasi dengan sector in both the retail and corporate sectors by following kecil dan menengah, penyaluran kredit sindikasi yang to the bank’s business growth and continuing existing
memperhatikan prinsip-prinsip kehati-hatian, memperbaiki the prudential principles, improving credit quality as a whole telah meningkatkan volume bisnis Bank dan tetap loan disbursements, particularly for high-quality
kualitas kredit secara keseluruhan dan berupaya menekan and seeks to suppress the occurrence of new nonperforming melanjutkan pemberian kredit yang sudah berjalan existing debtors.
terjadinya kredit bermasalah baru serta memperbaiki proses loans as well as improve business and operational processes by terutama bagi debitur eksisting yang berkualitas baik.
bisnis dan operasional dengan memperbarui Standard updating Standard Operating Procedures (SOP) and supported 6. Membangun dan mengimplementasikan Unique Selling 6. Developing and implementing the Bank’s Unique Selling
Operating Procedure (SOP) dan didukung oleh infrastruktur by information technology infrastructure. The Bank will Point (USP) Bank kepada para nasabah dan/atau masyarakat Points (USP) for customers and the public through:
teknologi informasi. Bank menerapkan beberapa strategi dalam implement several strategies in an effort to achieve the targets melalui;
upaya pencapaian target Rencana Bisnis Bank serta didukung of the Bank’s Business Plan and supported by trainings aimed at a. Layanan Fast Credit Approval khusus untuk pengajuan a. Fast Credit Approval services, specifically for retail loan
dengan adanya pelatihan-pelatihan yang bertujuan untuk increasing competence and shaping the character of employees. Kredit Ritel; applications;
peningkatan kompetensi dan membentuk karakter karyawan. b. Layanan C-Level Executives kepada para nasabah pada b. C-Level Executive Services for customers at special
acara tertentu events.
Bank telah menetapkan target untuk periode 3 tahun ke depan. The Bank has set targets for the next 3 year period. 2024 is an 7. Mengembangkan infrastruktur TI dalam operasional bisnis 7. Developing IT infrastructure in the Bank’s business
Tahun 2024 merupakan tahun yang penting bagi Bank, di mana important year for the Bank, where the Bank begins to implement Bank agar memudahkan dalam penyediaan data laporan operations to facilitate internal and regulatory reporting
Bank mulai mengimplementasikan infrastruktur teknologi new information technology infrastructure by introducing new internal dan regulator maupun untuk meningkatkan as well as enhance customer services through the
informasi baru dengan memperkenalkan produk, layanan dan products, services and processes in digital form. The Bank layanan kepada nasabah melalui pengembangan produk development of banking products and services, including:
proses baru dalam bentuk digital. Bank menerapkan Strategi implements a Strategy based on the results of the SWOT and dan layanan jasa Bank, berupa:
berdasarkan hasil analisis SWOT dan TOWS Matrix dalam TOWS Matrix analysis in several stages as follows: a. Layanan kepada Nasabah a. Customer Services
beberapa tahapan sebagai berikut: • Mengimplementasikan Quick Response Code • Implementing Quick Response Code Indonesian
Indonesian Standard Merchant Presented Standard Merchant Presented Mode (QRIS MPM),
Target Jangka Pendek Short Term Target Mode (QRIS MPM) yang ditargetkan dapat targeted for implementation in Quarter I 2025;
Merupakan target pencapaian dengan jangka waktu penyelesaian This is an achievement target with a completion period of ≤ 1 diimplementasikan pada Triwulan I 2025;
≤ 1 tahun yaitu pada tahun 2025, adalah sebagai berikut: year, namely in 2025, as follows: • Mengimplementasikan Whatsapp Business/SMS • Implementing WhatsApp Business/SMS Banking,
1. Menyelenggarakan program customer bonding kepada 1. Implementing a customer bonding program with Banking yang ditargetkan dapat selesai di Triwulan targeted for completion in Quarter I 2025;
komunitas untuk meningkatkan bisnis Bank, seperti: communities to enhance the Bank’s business, such as: I 2025;
• Melakukan pertemuan secara rutin dengan Nasabah; • Holding regular meetings with customers; • Mengimplementasikan Kartu Debit yang • Implementing Debit Cards, targeted for completion
• Mengadakan acara customer gathering. • Organizing customer gathering events. ditargetkan dapat selesai di Triwulan II 2025; in Quarter II 2025;
2. Melaksanakan kegiatan untuk meningkatkan Literasi dan 2. Carrying out activities to enhance financial literacy and • Mengimplementasikan fitur Virtual Account • Implementing internal Virtual Account features in
Inklusi Keuangan di Sektor Jasa Keuangan bagi Konsumen inclusion in the financial services sector for consumers internal pada menu layanan Internet Banking the Internet Banking Business (IBB) service menu,
dan Masyarakat disertai kegiatan promosi penjualan produk and the public, accompanied by promotional activities for Business (IBB) yang ditargetkan dapat selesai di targeted for completion in Quarter II 2025;
berinsentif untuk mendorong pembukaan rekening baru incentivized product sales to drive mass account openings Triwulan II 2025;
secara masif di Kantor Cabang seluruh Indonesia. at branch offices across Indonesia. • Mengimplementasikan Open Application • Implementing Open Application Programming
3. Meningkatkan aktivitas branding dan upaya pemasaran 3. Improving branding activities and consistent marketing Programming Interface (API) yang ditargetkan Interface (API), targeted for completion in Quarter
yang konsisten untuk menciptakan citra yang dikenal dan efforts to create a well-known and trusted image in dapat selesai di Triwulan II 2025; II 2025;
terpercaya di tengah masyarakat dengan mengoptimalkan society by optimizing online media (website), social media • Mengimplementasikan Quick Response Code • Implementing Quick Response Code Indonesian
media online (Website), media sosial (Facebook, Instagram (Facebook, Instagram, etc.), and various other branding Indonesian Standard Customer Presented Standard Customer Presented Mode (QRIS CPM),
dan lain-lain) dan berbagai kegiatan aktivitas branding activities. Mode (QRIS CPM) yang ditargetkan dapat targeted for implementation in Quarter III 2025;
lainnya. diimplementasikan pada Triwulan III 2025;
4. Meningkatkan dana murah dengan menambah jumlah 4. Increasing low-cost funds by expanding the number of retail • Penambahan fitur di Mobile Banking yang meliputi • Adding features in Mobile Banking, including
nasabah ritel dan non-ritel melalui pemanfaatan layanan/ and non-retail customers through the utilization of available QRIS, Card Control, Remittance request, transfer QRIS, Card Control, Remittance requests, and
produk IB/MB/IBB dan IT yang tersedia. Bank berupaya IB/MB/IBB services and IT products. The bank strives to online melalui SKN dan RTGS yang ditargetkan online transfers via SKN and RTGS, targeted for
dapat diimplementasikan pada Triwulan III 2025; implementation in Quarter III 2025;
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• Penambahan fitur di Internet Banking yang meliputi • Adding features in Internet Banking, including Card Bank telah menyusun rencana strategis yang ingin dicapai oleh The Bank has compiled Bank strategic plan that the Bank wanted
fungsi Card Control, Remittance request, transfer Control, Remittance requests, and online transfers Bank mengacu pada Ketentuan Regulator dan sesuai visi dan misi to achieved by referring to Financial Service Authority and
online melalui SKN dan RTGS yang ditargetkan via SKN and RTGS, targeted for implementation in yang disusun secara realistis, komprehensif dan terukur dengan pursuant to vision and mission realistically, comprehensively and
dapat diimplementasikan pada Triwulan III 2025; Quarter III 2025; memperhatikan prinsip kehati-hatian. measuredly formulated with regard to prudent principle.
• Mengimplementasikan Loan Origination System • Implementing Loan Origination System (LOS),
(LOS) yang ditargetkan dapat selesai di Triwulan III targeted for completion in Quarter III 2025; ASPEK PEMASARAN MARKETING ASPECT
2025; Pada tahun 2024, Bank telah fokus pada merumuskan dan In 2024, the Bank has focused on formulating and implementing
• Mengimplementasi Loan Chanelling yang • Implementing Loan Channeling, targeted for mengimplementasikan strategi untuk memasuki dunia digital yang a strategy to enter the digital world accompanied by the
ditargetkan dapat selesai di Triwulan III 2025; completion in Quarter III 2025; disertai dengan dimulainya pembuatan infrastruktur digital untuk commencement of digital infrastructure for the convenience
kenyamanan para nasabah. Bank turut senantiasa melakukan of customers. The Bank also continues to formulate
• Penambahan fitur di Internet Banking Bisnis yang • Adding features in Internet Banking Business,
perumusan strategi yang bersifat antisipatif di tengah dinamika strategies that are anticipatory in the midst of economic
meliputi fungsi Remittance request dan Virtual including Remittance request and Virtual Account
ekonomi dan industri perbankan. Upaya ini dilakukan dengan and banking industry dynamics. This effort is made with the
Account yang ditargetkan dapat diimplementasikan functions, targeted for implementation in Quarter tujuan agar Bank mampu menghadapi kondisi pasar yang dinamis aim that the Bank is able to face dynamic and challenging
pada Triwulan IV 2025. IV 2025. dan penuh tantangan di tengah pemulihan ekonomi nasional. market conditions amid the national economic recovery.
b. Pemenuhan Data laporan untuk Internal dan Regulator b. Internal and Regulatory Reporting Data Compliance
• Pengadaan server dan perangkat pendukungnya • Procuring servers and supporting devices and Selain itu, Bank memperkuat Sumber Daya Manusia (SDM) In addition, the Bank is strengthening Human Resources (HR)
serta mengimplementasikan layanan BI RTGS implementing BI RTGS services with STPG, targeted dengan kegiatan pelatihan training for trainers yang dilakukan with training for trainers training activities carried out in stages
dengan STPG yang ditargetkan dapat selesai pada for completion in Quarter I 2025; secara bertahap kepada para karyawan dan jajaran manajemen to employees and management to support the digital transition.
Triwulan I 2025; untuk mendukung transisi digital. Bank berkomitmen untuk terus The Bank is committed to continue to support building a strong
• Mengimplementasikan Document Management • Implementing Document Management, targeted mendukung membangun fondasi yang kuat pada SDM untuk foundation in human resources to support future business
yang ditargetkan dapat selesai di Triwulan II 2025; for completion in Quarter II 2025. menopang kegiatan bisnis di masa mendatang, serta dengan activities, as well as with the aim of providing the best service
tujuan memberikan layanan yang terbaik kepada nasabah to customers with products and services owned without being
• Penerapan Data Classification and Data Loss • Implementing Data Classification and Data Loss
dengan produk dan layanan jasa yang dimiliki tanpa lepas dari separated from the Bank’s Policy Direction to achieve the vision
Prevention (DLP) Tools yang ditargetkan selesai di Prevention (DLP) Tools, targeted for completion in
Arah Kebijakan Bank untuk mencapai visi dan misi dengan tetap and mission while still paying attention to the Bank’s values.
Triwulan III 2025; Quarter III 2025. memperhatikan nilai-nilai Bank. Bank juga melakukan perbaikan The Bank also made improvements in all aspects of its business
• Penerapan Endpoint Detection and Response (EDR) • Implementing Endpoint Detection and Response di segala aspek bisnis dan operasionalnya secara bertahap, hal and operations in stages, such as adjusting Standard Operating
Tools yang ditargetkan selesai di Triwulan III 2025. (EDR) Tools, targeted for completion in Quarter III tersebut adalah penyesuaian Standard Operating Procedure Procedures (SOP), increasing the competence of human
2025. (SOP), peningkatan kompetensi SDM di bidang perkreditan, resources in the field of credit, improving information and
• Penguatan Sistem Manajemen Aset dan Layanan • Strengthening IT Asset and Service Management pengembangan infrastruktur sistem teknologi informasi, communication technology systems, increasing prudent credit
TI untuk memastikan dukungan TI yang efektif Systems to ensure effective IT support for internal meningkatkan portofolio kredit yang prudent dan berbagai portfolios and various other improvement efforts to improve
kepada staf internal di cabang yang ditargetkan staff at branches, targeted for completion in upaya perbaikan lainnya untuk meningkatkan kinerja Bank. Bank performance.
dapat selesai pada Triwulan IV 2025. Quarter IV 2025.
• Asesmen Bank untuk Sertifikasi standar ISO 27001 • Conducting a Bank assessment for ISO 27001 INFORMASI KELANGSUNGAN USAHA BUSINESS SUSTAINABILITY INFORMATION
Laporan keuangan disusun dengan asumsi bahwa Bank akan The financial statements have been prepared assuming that the
yang ditargetkan selesai di Triwulan IV 2025. Certification, targeted for completion in Quarter
terus beroperasi sebagai entitas yang mampu mempertahankan Bank will continue to operate as an entity capable of sustaining
IV 2025.
bisnis untuk jangka panjang. Manajemen Bank telah menilai its business for the long term. The Bank’s management has
8. Percepatan Pemenuhan SDM sesuai dengan kebutuhan 8. Accelerating Human Resource (HR) Fulfillment kemampuan Bank untuk melanjutkan kelangsungan usahanya assessed the Bank’s ability to continue as a going concern and
Organisasi termasuk pemanfaatan Tenaga Kerja Asing (TKA) Aligning HR capabilities with organizational needs, dan berkeyakinan bahwa Bank memiliki sumber daya believes that the Bank has sufficient resources to continue as
dan program pelatihan dan pengembangan kompetensi including utilizing Foreign Workers (TKA) and implementing yang cukup untuk melanjutkan usaha sebagai suatu usaha an entity for the foreseeable future. Therefore, the financial
karyawan baik secara technical maupun soft skill serta training and competency development programs for keberlanjutan di masa yang akan datang. Oleh karena itu, statements have been prepared on a sustainable business basis.
mengimplementasikan aplikasi Human Capital Information employees, covering both technical and soft skills, as well laporan keuangan telah disusun atas dasar usaha keberlanjutan.
System (HCIS). as implementing the Human Capital Information System
(HCIS). Bank sedang mempersiapkan rencana-rencana yang berkaitan The Bank is preparing plans related to possible outcomes, such
dengan hasil yang mungkin terjadi, termasuk: as:
Target Jangka Menengah Medium Term Target • Melakukan pendekatan dan penagihan intensif kepada • Intensive approach and collecting to delinquent borrowers
debitur bermasalah melalui realisasi agunan berupa through collateral realization in the form of direct collection,
Merupakan target pencapaian dengan jangka waktu penyelesaian This is an achievement target with a completion period of >1 - 3
penagihan langsung, restrukturisasi, pengalihan utang restructuring, debt transfer (cessie), AYDA and auction.
>1 - 3 tahun, adalah sebagai berikut: years, as follows:
(cessie), AYDA dan lelang.
1. Meningkatkan kemampuan market penetration Bank; 1. Improving the Bank’s market penetration capability; • Melakukan rapat remedial secara berkala untuk mengawasi • Conduct regular remedial meetings to oversee the
2. Melakukan sinergi dan kolaborasi untuk meningkatkan nilai 2. Establishing synergy and collaboration to enhance the kinerja unit remedial. performance of the remedial unit.
tambah Bank bagi para Pemangku Kepentingan khususnya added value of the Bank for stakeholders, especially • Melakukan pertimbangan atas potensi restrukturisasi kredit, • To consider the potential for credit restructuring, including
nasabah. customers; termasuk pertimbangan kemungkinan penghapusan kredit. consideration of possible credit write-offs.
3. Melakukan kerja sama dengan pihak ketiga. 3. Forming partnerships with third parties; • Menjalankan fungsi mediasi, seperti pemberian kredit secara • Perform mediation functions, such as selective lending
4. Keikutsertaan dalam penyediaan fasilitas kredit sindikasi 4. Participating in syndicated loan facilities and other credit selektif dengan tetap menerapkan prinsip kehatihatian. while still applying prudential principles.
dan fasilitas kredit lainnya. Sebagai catatan pada tahun facilities. As of 2024, the Bank has started participating in • Menentukan tingkat risiko Bank, termasuk pemilihan sektor • Determining the risk level of the Bank, including the
2024 Bank telah mulai berpartisipasi dalam kredit sindikasi. syndicated loans. The Bank successfully disbursed loans for ekonomi. selection of economic sectors.
Bank berhasil menyalurkan kredit untuk dua fasilitas kredit two syndicated credit facilities, including one facility from • Penyesuaian Rencana Bisnis Bank (RBB); • Adjustment of the Bank’s Business Plan (RBB);
• Mempertahankan modal sebagai Bank Devisa (transaksi • Maintain capital as a Foreign Exchange Bank (foreign
sindikasi termasuk satu fasilitas sindikasi dari Pemerintah the Government of Indonesia. The Bank will continue to
valuta asing) dengan meningkatkan pendapatan. exchange transactions) by increasing income.
Indonesia. Bank akan terus menjalin hubungan dengan para engage with book runners and Mandated Lead Arranger
book runner dan Mandated Lead Arranger and Bookrunner and Bookrunner (MLAB) to participate in syndicated
(MLAB) untuk berpartisipasi dalam fasilitas sindikasi, facilities, depending on the success of bidding, allocation,
tergantung pada keberhasilan penawaran, penjatahan and liquidity availability. Through this process, the Bank will
dan ketersediaan likuiditas. Dalam proses ini, bank akan develop a more sustainable credit portfolio.
memiliki portofolio kredit yang lebih berkelanjutan.
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Management Discussion and Analysis
STANDAR BARU DAN AMENDEMEN STANDAR
AKUNTANSI KEUANGAN
NEW STANDARDS AND AMENDMENTS TO FINANCIAL ACCOUNTING STANDARDS
Berikut ini adalah standar akuntansi keuangan, perubahan, dan The followings are financial accounting standard, amendments
interpretasi standar akuntansi keuangan yang berlaku efektif and interpretation of financial accounting standard which
sejak 1 Januari 2024: become effective starting January 1, 2024:
• Amendemen PSAK No. 116, “Sewa tentang Liabilitas Sewa • Amendment of SFAS 116: “Lease regarding Lease Liability
dalam Jual dan Sewa-Balik” Amendemen ini diadopsi dari in a Sale and Leaseback”. This amendment adopted from
amandemen IFRS No. 16, “Lease: lease Liability in a Sale IFRS No. 16 amendment, “Lease: lease Liability in a Sale
and Leaseback”. Amendemen ini mengatur pengukuran and Leaseback”. This amendment regulates the next
selanjutnya untuk aset hak guna dan liabilitas sewa dari measurement for right-of-use assets and lease liability from
transaksi jual dan sewa balik; sale and leaseback transactions;
• Amendemen PSAK 201: “Penyajian Laporan Keuangan • Amendment of SFAS 201: “Presentation of Financial
tentang Liabilitas Jangka Panjang dengan Konvenan”. Statements Regarding Long-term Liabilities with
Amendemen ini diadopsi dari amendemen IAS No. 1, Convenants”. This amendment was adopted from IAS No.
“Presentation of Financial Statements: Non-Current 1 amendment, “Presentation of Financial Statements:
Liabilities with Covenants”. Amendemen ini mengatur Non-Current Liabilities with Covenants”. This amendment
bahwa hanya konvenan yang harus dipatuhi entitas pada regulates that only the convenants must complied with
atau sebelum tanggal pelaporan yang akan mempengaruhi entity on or before reporting date will affect its classification
klasifikasi dan liabilitas jangka pendek atau jangka panjang and short-term or long-term and its disclosure.
serta pengungkapannya.
• Amendemen PSAK 207, “Laporan Arus Kas” dan Amendemen • Amendment of SFAS 207: “Statement of Cash Flows” and
PSAK 107, “Instrumen Keuangan: Pengungkapan tentang Amendment of SFAS 107, “Statements of Financial Reports:
Pengaturan Pembiayaan Pemasok”. Amendemen ini diadopsi Disclosure regarding Supplier Finance Arrangements”.
dari amendemen IAS No. 7 “Statement of Cash Flows” dan This amendment adopted from IAS No. 7 Amendment
IFRS No. 7, Financial Instruments: Disclosures – Supplier “Statement of Cash Flows” dan IFRS No. 7, Financial
Finance Arrangements”. Amendemen ini menjelaskan Instruments: Disclosures – Supplier Finance Arrangements”.
pengungkapan terkait pengaturan pembiayaan pemasok. This amendment disclose about supplier finance
arrangements.
Implementasi dari standar-standar dan amendemen tersebut The implementation of the above standards and amendments
tidak menghasilkan perubahan substansial terhadap kebijakan did not result in substantial changes to the Bank’s accounting
akuntansi Bank dan tidak memiliki dampak yang material policies and had no material impact to the financial statements
terhadap laporan keuangan di periode berjalan atau periode in the current period or prior financial period.
sebelumnya.
INFORMASI KEUANGAN YANG MENGANDUNG KEJADIAN LUAR
BIASA DAN JARANG TERJADI
FINANCIAL INFORMATION CONTAINING EXTRAORDINARY AND RARE EVENTS
Sepanjang tahun 2024, tidak terdapat informasi keuangan yang Throughout the year 2024, there was no financial information
mengandung kejadian luar biasa dan jarang terjadi di Bank. containing extraordinary and rare events at the Bank.
PERUBAHAN PERATURAN UNDANG-UNDANG
AMENDMENT TO LAW REGULATIONS
Sepanjang tahun 2024, tidak terdapat perubahan peraturan Throughout 2024, there were no changes to the regulation of
perundang-undangan yang sifatnya berpengaruh signifikan the laws that had a significant effect on the Bank.
kepada Bank.
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05 TATA KELOLA PERUSAHAAN GOOD CORPORATE GOVERNANCE
Page 64
Tata Kelola Perusahaan
Good Corporate Governance
KOMITMEN PENERAPAN TATA KELOLA PERUSAHAAN DASAR HUKUM PENERAPAN TATA KELOLA PERUSAHAAN
COMMITMENT TO GOOD CORPORATE GOVERNANCE IMPLEMENTATION LEGAL BASIS FOR GOOD CORPORATE GOVERNANCE IMPLEMENTATION
Bank dalam melaksanakan kegiatan usahanya senantiasa The Bank, in conducting its business activities, consistently Sebagai Perbankan di Indonesia yang sifatnya terbuka, sistem As a public Bank in Indonesia, the Company’s governance system
menerapkan kebijakan dan strategi berdasarkan prinsip kehati- implements policies and strategies based on prudence Tata Kelola Bank mengacu kepada dasar hukum sebagai berikut: refers to the following legal bases:
hatian serta menerapkan tata kelola perusahaan yang baik pada and applies good corporate governance at all levels of the 1. Undang-Undang No. 40 tahun 2007 tentang Perseroan 1. Law No. 40 of 2007 regarding Limited Companies as
seluruh tingkatan organisasi dan manajemen, dalam rangka organization and management, based on prudential and ethical Terbatas sebagaimana telah diubah dengan Peraturan amended by Government Regulation in Lieu of Law No. 2 of
mendorong peningkatan kualitas pengelolaan Bank yang sehat, principles, which can increase the Bank's competitiveness, Pemerintah Pengganti Undang-Undang No. 2 Tahun 2022 2022 on Job Creation;
berdasarkan prinsip kehati-hatian dan beretika, yang dapat encourage sustainable growth in supporting economic growth tentang Cipta Kerja;
meningkatkan daya saing Bank, mendorong pertumbuhan and national stability and contribute to the implementation 2. Undang-Undang No. 7 tahun 1992 sebagaimana telah 2. Law No. 7 of 1992 as amended by Law No. 10 of 1998
yang berkelanjutan dalam mendukung pertumbuhan ekonomi of social and environmental responsibility, while taking into diubah dalam Undang-Undang No. 10 tahun 1998 tentang on Banking, as amended by Law No. 4 of 2023 on the
dan stabilitas nasional, serta berkontribusi dalam penerapan account the interests of Shareholders and Stakeholders. Perbankan sebagaimana telah diubah dengan Undang- Development and Strengthening of the Financial Sector;
tanggung jawab sosial dan lingkungan, dengan tetap Undang No.4 Tahun 2023 tentang Pengembangan dan
memperhatikan Kepentingan Pemegang Saham dan Pemangku Penguatan Sektor Keuangan;
Kepentingan. 3. Peraturan OJK No. 33/POJK.04/2014 tanggal 8 Desember 3. OJK Regulation No. 33/POJK.04/2014 dated 8 December
2014 tentang Direksi dan Dewan Komisaris Emiten atau 2014 regarding the Board of Directors and Board of
Penerapan tata kelola yang baik di lingkungan kerja Bank The implementation of corporate governance in the Bank's Perusahaan Publik; Commissioners of Issuers or Public Companies;
didasarkan pada prinsip keterbukaan, akuntabilitas, tanggung work environment is based on the principles of openness, 4. Peraturan OJK No. 21/POJK.04/2015 tanggal 16 November 4. OJK Regulation No. 21/POJK.04/2015 dated 16 November
jawab, independensi, kesetaraan dan kewajaran dengan accountability, responsibility, independence, equality and 2015 tentang Penerapan Pedoman Tata Kelola Perusahaan 2015 regarding Implementation of Governance Guidelines
mematuhi Peraturan Otoritas Jasa Keuangan Nomor 17 Tahun fairness by complying with the Financial Services Authority Terbuka; for Public Companies;
2023 tanggal 14 September 2023 tentang Penerapan Tata Kelola Regulation Number 17 of 2023 dated September 14, 2023 5. Surat Edaran OJK No. 32/SEOJK.04/2015 tanggal 17 5. Financial Services Authority Circular Letter No. 32/
Bagi Bank Umum serta Surat Edaran Otoritas Jasa Keuangan regarding the Implementation of Corporate Governance for November 2015 tentang Pedoman Tata Kelola Perusahaan SEOJK.04/2015 dated 17 November 2015 regarding
Nomor 13/SEOJK.03/2017 tanggal 17 Maret 2017 tentang Commercial Banks and the Circular Letter of the Financial Terbuka; Governance Guidelines for Public Companies;
Penerapan Tata Kelola Bagi Bank Umum. Services Authority Number 13/SEOJK.03/2017 dated March 17, 6. Peraturan OJK No. 45/POJK.03/2015 tanggal 23 Desember 6. OJK Regulation No. 45/POJK.03/2015 dated 23 December
2017 regarding the Implementation of Corporate Governance 2015 tentang Penerapan Tata Kelola dalam Pemberian 2015 regarding Implementation of Governance in Providing
for Commercial Banks. Remunerasi Bagi Bank Umum; Remuneration for Commercial Banks;
7. Surat Edaran OJK No. 40/SEOJK.03/2016 tanggal 26 7. OJK Circular Letter No. 40/SEOJK.03/2016 dated 26
Tata kelola perusahaan yang baik (Good Corporate Governance- Good Corporate Governance (GCG) is a crucial supporting pillar September 2016 tentang Penerapan Tata Kelola Dalam September 2016 regarding Implementation of Governance
GCG) merupakan pilar penopang yang penting bagi Bank dalam for the Bank in conducting its business activities amid a rapidly Pemberian Remunerasi Bagi Bank Umum; in Providing Remuneration for Commercial Banks;
menjalankan kegiatan usahanya di tengah persaingan bisnis yang changing and dynamic business environment. 8. Peraturan OJK No. 29/POJK.04/2016 tanggal 29 Juli 2016 8. OJK Regulation No. 29/POJK.04/2016 dated 29 July 2016
serba cepat dan dinamis. tentang Laporan Tahunan Emiten atau Perusahaan Publik; regarding the Annual Report of Issuers or Public Companies;
9. Surat Edaran OJK No. 16/SEOJK.04/2021 tanggal 29 Juni 9. Financial Services Authority Circular Letter No. 16/
2021 tentang Bentuk dan Isi Laporan Tahunan Emiten atau SEOJK.04/2021 dated 29 June 2021 regarding the Form
TUJUAN PENERAPAN TATA KELOLA PERUSAHAAN Perusahaan Publik; and Content of the Annual Report of Issuers or Public
OBJECTIVES OF GOOD CORPORATE GOVERNANCE IMPLEMENTATION Companies;
10. Peraturan OJK No.17 Tahun 2023 tentang Penerapan Tata 10. OJK Regulation No.17 of 2023 regarding the Implementation
Kelola Bagi Bank Umum; of Governance for Commercial Banks;
Bank dalam menerapkan prinsip-prinsip tata kelola perusahaan The Bank in implementing the principles of good corporate 11. Peraturan OJK No. 51/POJK.03/2017 tanggal 18 Juli 2017 11. OJK Regulation No. 51/POJK.03/2017 dated 18 July 2017
yang baik mempunyai tujuan yaitu: governance has the following objectives: tentang Penerapan Keuangan Berkelanjutan bagi Lembaga regarding the Implementation of Sustainable Finance for
1. Mendorong pengelolaan Bank secara profesional, 1. Encouraging the management of the Bank to operate Jasa Keuangan, Emiten dan Perusahaan Publik; Financial Service Institutions, Issuers and Public Companies;
transparan dan efisien, serta mengoptimalkan tugas professionally, transparently and efficiently, as well as 12. Surat Edaran OJK No. 13/SEOJK.03/2017 tanggal 17 Maret 12. Financial Services Authority Circular Letter No. 13/
dan fungsi Dewan Komisaris, Direksi dan Rapat Umum optimizing the duties and functions of the Board of 2017 tentang Penerapan Tata Kelola bagi Bank Umum; SEOJK.03/2017 dated 17 March 2017 regarding
Pemegang Saham. Commissioners, Directors and the General Meeting of Implementation of Governance for Commercial Banks;
Shareholders. 13. Peraturan OJK No. 37/POJK.03/2019 tanggal 20 Desember 13. OJK Regulation No. 37/POJK.03/2019 dated 20 December
2. Mendorong Pemegang Saham, anggota Dewan Komisaris 2. Encouraging Shareholders, members of the Board of 2019 tentang Transparansi dan Publikasi Laporan Bank; 2019 regarding Transparency and Publication of Bank
dan anggota Direksi agar dalam membuat keputusan dan Commissioners and members of the Board of Directors to Reports;
menjalankan tindakannya dilandasi nilai moral yang tinggi make decisions and carry out their actions based on high 14. Peraturan OJK No.14/POJK.04/2022 tentang Penyampaian 14. OJK Regulation No.14/POJK.04/2022 regarding Submission
dan kepatuhan terhadap peraturan perundang-undangan moral values and compliance with applicable laws and Laporan Keuangan Berkala Emiten atau Perusahaan Publik; of Periodic Financial Statements of Issuers or Public
yang berlaku. regulations. Companies;
3. Mendorong timbulnya kesadaran dan tanggung jawab 3. Encouraging the emergence of awareness and social 15. Surat Edaran OJK No. 9/SEOJK.03/2020 tanggal 30 Juni 2020 15. Financial Services Authority Circular Letter No. 9/
sosial Bank terhadap pihak-pihak terkait dan lingkungan di responsibility of the Bank towards related parties and the tentang Transparansi dan Publikasi Laporan Bank Umum SEOJK.03/2020 dated 30 June 2020 regarding Transparency
sekitar Bank. environment around Bank. Konvensional; and Publication of Conventional Commercial Bank Reports;
4. Meningkatkan daya saing Bank yang kuat secara nasional 4. Improving the competitiveness of the Bank, which is 16. Peraturan OJK No. 12/POJK.03/2021 tanggal 30 Juli 2021 16. OJK Regulation No. 12/POJK.03/2021 dated July 30, 2021
dan internasional. strong nationally and internationally. tentang Bank Umum; dan regarding Commercial Banks; and
5. Mengoptimalkan nilai-nilai Bank bagi Pemegang Saham 5. Optimizing Bank values for Shareholders by increasing the 17. Anggaran Dasar Bank serta Keputusan Rapat Umum 17. Articles of Association of the Bank and Resolution of the
dengan cara meningkatkan prinsip keterbukaan, principles of transparency, accountability, responsibility, Pemegang Saham. GMS.
akuntabilitas, tanggung jawab, independensi serta independence as well as equality and fairness.
kesetaraan dan kewajaran.
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Tata Kelola Perusahaan
Good Corporate Governance
PRINSIP TATA KELOLA PERUSAHAAN PENILAIAN TATA KELOLA PERUSAHAAN
PRINCIPLES OF GOOD CORPORATE GOVERNANCE GOOD CORPORATE GOVERNANCE ASSESSMENT
Adapun implementasi Tata Kelola yang dilaksanakan di Bank The implementation of Governance in the Bank is based on 5 Penilaian terhadap penerapan Tata Kelola yang berlandaskan The assessment of the Good Governance implementation
berdasarkan 5 prinsip tata kelola perusahaan yang baik sebagai principles of good corporate governance as follows: pada 5 prinsip dasar Tata Kelola yang baik dikelompokkan which is based on the 5 basic principles of Good Governance is
berikut: dalam suatu sistem Tata Kelola yang terdiri dari 3 aspek Tata grouped into a governance system which consists of 3 aspects of
1. Keterbukaan 1. Transparency Kelola, yaitu Governance Structure, Governance Process dan governance, namely Governance Structure, Governance Process
Keterbukaan (transparency) mencakup keterbukaan dalam Transparency includes openness in the decision-making Governance Outcome. and Governance Outcome.
proses pengambilan keputusan dan keterbukaan dalam process as well as in the disclosure and provision of relevant
pengungkapan dan penyediaan informasi yang relevan information that is easily accessible to stakeholders. The Bank
dan mudah diakses oleh Pemangku Kepentingan. Bank consistently implements a system that enables stakeholders Laporan Penilaian Sendiri (Self Assessment) Tata Kelola Good Corporate Governance Self Assessment Report
senantiasa menerapkan sistem yang memungkinkan bagi to access information on an equal basis and obtain sufficient, Perusahaan
Pemangku Kepentingan untuk mengakses informasi dengan timely, accurate and reliable information. Dalam rangka meningkatkan penerapan Tata Kelola secara In order to enhance the sustainable implementation of Good
kesempatan yang sama serta mendapatkan informasi secara berkelanjutan, Bank senantiasa melakukan penilaian sendiri (self- Governance, the Bank consistently conducts self-assessments
cukup, tepat waktu, akurat dan dapat diandalkan.
assessment) penerapan Tata Kelola secara Individu berdasarkan of Good Governance implementation on an individual basis
2. Akuntabilitas 2. Accountability POJK No. 17 Tahun 2023 dan SEOJK No. 13/SEOJK.03/2017 in accordance with POJK No. 17 of 2023 and SEOJK No. 13/
Akuntabilitas (accountability) mencakup kejelasan fungsi dan Accountability includes clarity of functions and the tentang Penerapan Tata Kelola Bagi Bank Umum. Penilaian SEOJK.03/2017 regarding the Implementation of Good
pelaksanaan pertanggungjawaban. Bank meyakini bahwa implementation of responsibilities. The Bank believes sendiri ini dilakukan 2 kali dalam setahun yaitu pada periode Governance for Commercial Banks. These self-assessments are
akuntabilitas berkaitan dengan keberadaan sistem yang that accountability is related to the existence of a system Semester I dan II dengan hasil penilaian sebagai berikut: conducted twice a year, in the first and second semesters, with
mengendalikan hubungan antara individu dan/atau organ that regulates relationships between individuals and/or the assessment results as follows:
yang ada di Bank. Akuntabilitas, sebagai salah satu solusi organs within the Bank. Accountability serves as one of the
mengatasi agency problem yang timbul sebagai konsekuensi solutions to address agency problems that arise as a logical
Periode Penilaian Peringkat Definisi Peringkat
logis perbedaan kepentingan individu dengan kepentingan consequence of differing individual interests and the Bank’s
Assessment Period Position Position Definition
Bank. Penerapan akuntabilitas dengan mendorong seluruh interests. The implementation of accountability encourages
Semester I Tahun 2024 2 Mencerminkan manajemen Bank telah melakukan penerapan Tata Kelola yang secara
individu dan/atau organ Bank menyadari tanggung jawab, all individuals and/or organs of the Bank to be aware of their Semester I Year 2024 umum baik. Hal ini tercermin dari pemenuhan yang memadai atas prinsip Tata Kelola.
wewenang, hak dan kewajiban. responsibilities, authorities, rights and obligations. Dalam hal terdapat kelemahan penerapan prinsip Tata Kelola, secara umum kelemahan
tersebut kurang signifikan dan dapat diselesaikan dengan tindakan normal oleh
manajemen Bank.
3. Tanggung Jawab 3. Responsibility This indicates that the Bank's management has implemented generally good Governance.
This is reflected in the adequate fulfilment of the principles of Governance. In the event
Tanggung jawab (responsibility) mencakup kesesuaian Responsibility includes the alignment of the Bank's that there are weaknesses in the application of the principles of Governance, these
pengelolaan Bank dengan ketentuan peraturan perundang- management with regulatory provisions, ethical values weaknesses are generally less significant and can be resolved with normal actions by the
Bank's management.
undangan dan nilai etika serta standar, prinsip dan praktik and standards, principles and practices of good corporate
tata kelola perusahaan yang baik. Bank berupaya untuk governance. The Bank strives to conduct its business activities Semester II Tahun 2024 2 Mencerminkan manajemen Bank telah melakukan penerapan Tata Kelola yang secara
Semester II Year 2024 umum baik. Hal ini tercermin dari pemenuhan yang memadai atas prinsip Tata Kelola.
melaksanakan kegiatan usaha secara profesional, sesuai professionally, in accordance with applicable laws and Dalam hal terdapat kelemahan penerapan prinsip Tata Kelola, secara umum kelemahan
dengan peraturan perundang-undangan yang berlaku dan regulations and the principles of good corporate governance. tersebut kurang signifikan dan dapat diselesaikan dengan tindakan normal oleh
manajemen Bank.
prinsip-prinsip tata kelola perusahaan yang baik. This indicates that the Bank's management has implemented generally good Governance.
This is reflected in the adequate fulfilment of the principles of Governance. In the event
that there are weaknesses in the application of the principles of Governance, these
4. Independensi 4. Independence weaknesses are generally less significant and can be resolved with normal actions by the
Independensi (independency) mencakup keadaan yang Independence encompasses a state of being managed Bank's management.
dikelola secara mandiri dan profesional serta bebas dari independently and professionally, free from conflicts of Analisis
benturan kepentingan dan pengaruh atau tekanan dari pihak interest, as well as influence or pressure from any party that Analysis
manapun yang tidak sesuai dengan ketentuan peraturan is not in accordance with applicable laws and regulations Berdasarkan hasil analisis terhadap seluruh kriteria atau indikator penilaian 11 faktor tata kelola Bank dapat disimpulkan bahwa:
perundang-undangan dan nilai etika serta standar, prinsip or the principles of good corporate governance. The best Based on the analysis of all criteria and assessment indicators for the 11 factors of the Bank's governance, it can be concluded that:
dan praktik tata kelola yang baik. Bank meyakini bahwa decisions can only be made when the Bank is free from Governance Structure
Independensi diperlukan agar dapat membuat keputusan external influence or pressure that does not align with Bank telah memiliki struktur Tata Kelola Bank yang Baik melalui manajemen baru yang kuat dimana organ-organ dalam Bank maupun SDM yang menempati posisi Dewan Komisaris, Direksi, Komite dan
satuan kerja pada Bank telah memadai sesuai dengan skala dan kompleksitas usaha Bank dan telah memenuhi persyaratan dalam jumlah anggota, lulus dalam Penilaian Kemampuan dan Kepatutan (PKK),
yang terbaik bagi Bank. Keputusan terbaik hanya dapat corporate mechanisms. Independency will continue to kualifikasi dan sertifikasi sesuai regulasi yang berlaku. Bank telah memiliki kecukupan infrastruktur Tata Kelola Bank berupa kebijakan, prosedur dan limit, sistem informasi manajemen serta tugas pokok dan
dihasilkan jika Bank bebas dari pengaruh atau tekanan be upheld in business activities that adhere to commonly fungsi masing-masing struktur organisasi di Bank yang senantiasa dilakukan evaluasi dan pengkinian yang diperlukan.
The Bank had established a sound governance structure through a strong new management team. The Bank’s governance organs and human resources occupying positions within the Board of Commissioners,
pihak lain, yang tidak sesuai dengan mekanisme korporasi. accepted business ethics and within the framework of good Board of Directors, Committees and working units were adequately aligned with the Bank's scale and business complexity, meeting the required number of members, passing the Fit and Proper Test (FPT)
Independensi tetap akan diwujudkan dalam aktivitas bisnis corporate governance. and fulfilling qualification and certification requirements in accordance with prevailing regulations. The Bank had sufficient governance infrastructure, including policies, procedures, limits, a management
information system and clearly defined roles and responsibilities for each organisational structure. These were continuously evaluated and updated as necessary.
yang sejalan dengan etika bisnis yang berlaku umum serta
dalam kerangka tata kelola perusahaan yang baik. Governance Process
Selama tahun 2024, pelaksanaan tugas Dewan Komisaris, Direksi, Komite dan satuan kerja pada Bank telah berjalan dengan baik tercermin dari tidak terdapat pelanggaran independensi anggota Dewan
Komisaris dan Direksi dalam pelaksanaan tugas dan tanggung jawabnya. Direksi dan Dewan Komisaris secara berkala melakukan proses evaluasi kinerja dengan melakukan rapat evaluasi kinerja bulanan
5. Kesetaraan dan Kewajaran 5. Equality and Fairness dalam rangka pelaksanaan tugas dan tanggung jawab pengawasan Bank dengan selalu mengedepankan prinsip kehati-hatian (prudential principle) dan juga menghindari benturan kepentingan (conflict of
interest).
Kewajaran (fairness) mencakup kesetaraan, keseimbangan Fairness includes equality, balance and justice in fulfilling the Throughout 2024, the duties of the Board of Commissioners, Board of Directors, Committees and working units were carried out effectively, as reflected in the absence of any violations of independence by
dan keadilan di dalam memenuhi hak Pemangku rights of Stakeholders arising from agreements, statutory members of the Board of Commissioners and Board of Directors in executing their duties and responsibilities. The Board of Directors and Board of Commissioners conducted regular performance evaluations
through monthly performance review meetings to oversee the Bank's operations, always prioritizing the prudential principle and avoiding conflicts of interest.
Kepentingan yang timbul berdasarkan perjanjian, ketentuan regulations, ethical values, as well as standards, principles
peraturan perundang-undangan dan nilai etika serta standar, and good corporate governance practices. The Bank ensures Governance Outcome
Bank secara konsisten mencetak laba secara berkelanjutan (sustainable profit) sebagai outcome Bank telah menjalankan bisnis yang berpedoman pada prinsip kehati-hatian. Outcome Bank telah memadai
prinsip dan praktik tata kelola perusahaan yang baik. Bank that every shareholder receives fair and equal treatment yang mencakup aspek kualitatif dan aspek kuantitatif, antara lain berupa kecukupan transparansi laporan, kepatuhan terhadap peraturan perundang-undangan, pelindungan konsumen, objektivitas dalam
menjamin bahwa setiap pemegang saham mendapatkan and can exercise their rights in accordance with applicable melakukan penilaian (assessment) atau audit, kinerja rentabilitas, efisiensi dan permodalan Bank, serta tidak terdapat pelanggaran kepatuhan Bank terhadap prinsip-prinsip kehati-hatian Bank antara lain
pelanggaran/pelampauan Batas Maksimum Pemberian Kredit (BMPK), rasio NPL Net dan Posisi Devisa Neto (PDN). Walaupun demikian, terdapat kejadian terindikasi fraud pada bulan Juli 2024, di mana
perlakuan yang wajar dan setara serta dapat menggunakan laws and regulations. Therefore, any management or sampai dengan saat ini masih dalam proses investigasi oleh pihak yang berwenang.
hak-haknya sesuai dengan peraturan perundang-undangan majority shareholder decision that has the potential to The Bank consistently generates sustainable profit as an outcome of conducting its business in accordance with the prudential principle. The Bank's outcomes are adequate, covering both qualitative and
quantitative aspects, including the adequacy of report transparency, compliance with laws and regulations, consumer protection, objectivity in conducting assessments or audits, profitability performance,
yang berlaku. Oleh karenanya, keputusan manajemen atau reduce the rights and/or shares of minority shareholders is efficiency and the Bank’s capitalization. Additionally, there have been no violations of the Bank’s compliance with prudential principles, such as breaches or exceedances of the Legal Lending Limit (BMPK),
pemegang saham mayoritas yang berpotensi mengurangi guaranteed to allow those who object to exercise their rights Net NPL ratio and Net Open Position (PDN). However, an incident indicating fraud occurred in July 2024, which is currently under investigation by the relevant authorities.
hak/atau porsi pemegang saham minoritas, maka yang in accordance with applicable laws and regulations.
berkeberatan dijamin dapat menggunakan haknya sesuai
dengan peraturan perundang-undangan yang berlaku.
PT BANK OF INDIA INDONESIA Tbk PT BANK OF INDIA INDONESIA Tbk
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Tata Kelola Perusahaan
Good Corporate Governance
PENERAPAN TATA KELOLA PERUSAHAAN YANG BAIK PELAKSANAAN TUGAS DAN TANGGUNG JAWAB DEWAN KOMISARIS
IMPLEMENTATION OF GOOD CORPORATE GOVERNANCE
DAN DIREKSI
IMPLEMENTATION OF DUTIES AND RESPONSIBILITIES OF THE BOARD OF COMMISSIONERS
AND BOARD OF DIRECTORS
TRANSPARANSI AKUNTABILITAS TANGGUNG JAWAB RAPAT UMUM PEMEGANG SAHAM (RUPS)
TRANSPARENCY ACCOUNTABILITY RESPONSIBILITY GENERAL MEETING OF SHAREHOLDERS (GMS)
Sesuai dengan Anggaran Dasar dan Anggaran Rumah Tangga, In accordance with the Articles of Association and Bylaws, the
Rapat Umum Pemegang Saham (RUPS) diselenggarakan General Meeting of Shareholders (GMS) is held at least 1 time
sekurang-kurangnya 1 kali dalam setahun sebagai forum bagi a year as a forum for Shareholders to make important decisions
para Pemegang Saham untuk mengambil keputusan penting related to the Bank, beyond the authority of the Board of
yang berkaitan dengan Bank, di luar wewenang Dewan Komisaris Commissioners and Board of Directors. The General Meeting of
KESETARAAN & dan Direksi. Rapat Umum Pemegang Saham (RUPS) memiliki Shareholders (GMS) has the authority, among other things, to
INDEPENDENSI
KEWAJARAN wewenang antara lain untuk mengangkat dan memberhentikan appoint and dismiss members of the Board of Commissioners
INDEPENDENCY
EQUALITY & FAIRNESS anggota Dewan Komisaris dan Direksi, mengevaluasi kinerja and Board of Directors, evaluate the performance of the Board
Dewan Komisaris dan kinerja Direksi, menyetujui perubahan of Commissioners and Board of Directors, approve amendments
Anggaran Dasar, menyetujui laporan tahunan dan menetapkan to the Articles of Association, approve annual reports and
bentuk dan jumlah imbalan, tunjangan dan fasilitas bagi anggota determine the form and amount of remuneration, allowances
Dewan Komisaris dan Direksi, menetapkan penggunaan laba and facilities for members of the Board of Commissioners and
dan penunjukan akuntan publik. Dalam Rapat Umum Pemegang Board of Directors determine the use of profits and appoint a
Saham (RUPS) dapat juga dibahas strategi, kebijakan, serta hal- public accountant. In the General Meeting of Shareholders (GMS),
RAPAT UMUM PEMEGANG SAHAM (RUPS) | DEWAN KOMISARIS | DIREKSI
GENERAL MEETING OF SHAREHOLDERS | BOARD OF COMMISSIONERS | BOARD OF DIRECTOR S
hal penting lainnya yang diusulkan oleh Direksi, Dewan Komisaris strategies, policies and other important matters proposed by the
ataupun Pemegang Saham. Board of Directors, Board of Commissioners or the Shareholders.
Rapat Umum Pemegang Saham Tahun 2023 Shareholders Meeting in 2023
Manajemen Risiko
STRUKTUR TATA KELOLA
Komite Audit
Minutes of the Annual General Meeting of Shareholders
GOVERNANCE STRUCTURE
Audit Committee Risk Management Pelaksanaan Rapat Umum Pemegang Saham Tahunan (RUPST)
pada tanggal 27 Juni 2023 (AGMS) on June 27, 2023
Komite Pemantau Risiko
Risk Monitoring
Committee Audit Intern The Bank held an Annual General Meeting of Shareholders
Internal Audit Bank telah menyelenggarakan RUPS Tahunan pada tanggal 27
STRUKTUR
(AGMS) on June 27, 2023 and all resolutions were implemented
STRUCTURE
Komite Remunerasi dan Juni 2023 dan seluruh hasil keputusan telah terlaksana pada
Nominasi within the same year.
Remuneration and Fungsi Kepatuhan tahun tersebut.
Nomination Committee Compliance Function
Rapat secara musyawarah untuk mufakat menyetujui usulan The meeting through deliberation and consensus agreed the
Keputusan Mata Acara Pertama, yaitu: suggestions of the First Meeting Agenda, which were:
• Menyetujui dan mengesahkan Laporan Tahunan Bank untuk • Approval and ratification of the Bank's Annual Report
tahun buku 2022, yang meliputi antara lain laporan mengenai for the fiscal year 2022, covering reports on the Bank's
Komite di bawah Direksi Sekretaris Perusahaan kegiatan Bank, laporan mengenai tugas pengawasan dari activities, oversight tasks by the Board of Commissioners,
Committee Under The Board Audit Ekstern
of Directors Corporate Secretary External Audit Dewan Komisaris, Laporan Keuangan Bank tahun buku the Bank's Financial Statement for the fiscal year 2022
2022 dan Penjelasan Khusus Direksi atas pelaksanaan hasil and the Specific Explanation from the Board of Directors
keputusan RUPS LB Bank tanggal 26 Maret 2018, serta regarding the implementation of decisions from the EGM
memberikan pelunasan dan pembebasan tanggung jawab on March 26, 2018, furthermore to grant full settlement
Infrastruktur Kode Etik | Piagam | Kebijakan dan Prosedur | Sistem Informasi sepenuhnya (acquit et decharge) kepada anggota Direksi and discharge (acquit et decharge) to the members of the
Infrastructure Code of Conduct | Charter | Policies and Procedures | Information Systems
dan Dewan Komisaris Bank atas tindakan pengurusan dan Board of Directors and the Board of Commissioners for
pengawasan yang telah dilakukan, sepanjang tindakan- the management and supervision actions reflected in the
tindakan tersebut tercermin dalam Laporan Tahunan Annual Report.
tersebut.
PROSES TATA KELOLA Operasional Bank Rapat secara musyawarah untuk mufakat menyetujui usulan The meeting through deliberation and consensus agreed the
GOVERNANCE PROCESS Bank Operational
Keputusan Mata Acara Kedua, yaitu: suggestions of the Second Meeting Agenda, which were:
• Menyetujui dan mengesahkan Penetapan Penggunaan • Approval and ratification of the Determination of the Use
Laba Bersih Tahun Buku 2022, yaitu tidak ada pembagian of Net Profit for the fiscal year 2022, which involves no
dividen dan seluruh perolehan laba bersih tahun buku dividend distribution and the entire net profit for the fiscal
Kinerja Bank | Keputusan Strategis| Kepatuhan Terhadap Perundang-Undangan | Transparansi 2022 dibukukan sebagai Laba Ditahan untuk dipergunakan year 2022 is booked as Retained Earnings to be fully utilized
HASIL TATA KELOLA Publikasi | Perlindungan Konsumen | Objektivitas Assesment dan Audit
GOVERNANCE OUTCOME Bank Performance | Strategic Decisions | Compliance With Laws | sepenuhnya untuk membantu peningkatan kinerja Bank. for improving the Bank's performance.
Publication Transparency | Consumer Protection | Assessment and Audit Objectivity
PT BANK OF INDIA INDONESIA Tbk PT BANK OF INDIA INDONESIA Tbk
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Tata Kelola Perusahaan
Good Corporate Governance
Rapat secara musyawarah untuk mufakat menyetujui usulan The meeting through deliberation and consensus agreed the Rapat Umum Pemegang Saham Luar Biasa (RUPSLB) pada Extraordinary General Meeting of Shareholders (EGMS) held on
Keputusan Mata Acara Ketiga, yaitu: suggestions of the Third Meeting Agenda, which were: tanggal 12 Desember 2023 December 12, 2023
• Menyetujui pengunduran diri Bapak Sanjeev Bhalla dari • Approval of the resignation of Mr. Sanjeev Bhalla from
jabatannya sebagai Komisaris Bank terhitung sejak Rapat his position as Commissioner of the Company, effective Bank telah menyelenggarakan RUPS Luar Biasa pada tanggal 12 The Bank held an Extraordinary GMS on December 12, 2023 and
ditutup dengan ucapan terima kasih atas segala sumbangsih from the closure of the meeting, with gratitude for his Desember 2023 dan seluruh hasil keputusan telah terlaksana pada all decisions were implemented during the year.
tenaga dan pikiran yang diberikan oleh yang bersangkutan contributions during his tenure as Commissioner. tahun tersebut.
selama menjabat sebagai Komisaris Bank. Rapat secara musyawarah untuk mufakat menyetujui usulan The meeting through deliberation and consensus agreed the
Keputusan Mata Acara Pertama, yaitu : suggestions of the First Meeting Agenda, which were:
Rapat secara musyawarah untuk mufakat menyetujui usulan The meeting through deliberation and consensus agreed the • Persetujuan Pembatalan Keputusan RUPSLB Bank tanggal • Approval of the Cancellation Decision of the EGMS dated
Keputusan Mata Acara Keempat, yaitu: suggestions of the Fourth Meeting Agenda, which were: 26 Maret 2018 tentang Penghapusan Pencatatan (Delisting) March 26, 2018, regarding the Delisting of PT Bank of India
• Memberikan kuasa penuh kepada Dewan Komisaris untuk • Granting full authority to the Board of Commissioners to Saham PT Bank of India Indonesia Tbk, di Bursa Efek Indonesia Tbk shares from the Indonesia Stock Exchange.
menetapkan gaji, honorarium dan tunjangan lainnya determine the salaries, honorariums and other allowances Indonesia.
kepada anggota Dewan Komisaris dan Direksi Bank setelah for members of the Board of Commissioners and the Board
mendapat rekomendasi dari Komite Remunerasi dan of Directors of the Bank, following recommendations from Rapat secara musyawarah untuk mufakat menyetujui usulan The meeting through deliberation and consensus agreed the
Nominasi. the Remuneration and Nomination Committee. Keputusan Mata Acara Kedua, yaitu: suggestions of the Second Meeting Agenda, which were:
• Komposisi saham dalam Bank setelah usulan akan menjadi • The composition of shares in the company after the proposal
Rapat secara musyawarah untuk mufakat menyetujui usulan The meeting through deliberation and consensus agreed the sebagai berikut: will be as follows:
Keputusan Mata Acara Kelima, yaitu: suggestions of the Fifth Meeting Agenda, which were: a. BANK OF INDIA sebesar 90,96% atau sejumlah a. BANK OF INDIA, amounting to 90.96% or a total of
• Mendelegasikan kewenangan kepada Dewan Komisaris • Delegating the authority to the Board of Commissioners to 3.355.488.000 saham dengan nilai nominal seluruhnya 3,355,488,000 shares with a total nominal value of Rp.
Bank untuk menunjuk Akuntan Publik yang akan mengaudit appoint a Public Accountant to audit the Bank's financial sebesar Rp.671.097.600.000,- ; 671,097,600,000.
laporan keuangan Bank untuk tahun buku 2023 dan statements for the fiscal year 2023 and determining the b. PT PANCA MANTRA JAYA sebesar 4,99% atau sejumlah b. PT PANCA MANTRA JAYA, amounting to 4.99% or a total
menetapkan honorarium Akuntan Publik serta persyaratan remuneration and other requirements for the Public 184.037.991 saham dengan nilai nominal seluruhnya of 184,037,991 shares with a total nominal value of Rp.
lainnya. Accountant. sebesar Rp.36.807.598.200,- ; 36,807,598,200.
c. MASYARAKAT sebesar 4,05% atau sejumlah 149.340.854 c. THE COMMUNITY, amounting to 4.05% or a total of
Sehingga setelah Rapat ditutup, susunan anggota Direksi dan As a result, after the meeting was closed, the composition saham dengan nilai nominal seluruhnya sebesar 149,340,854 shares with a total nominal value of Rp.
Dewan Komisaris Bank menjadi sebagai berikut: of the members of the Board of Directors and the Board of Rp.29.868.170.800,- ; 29,868,170,800.
Commissioners of the Company are as follows:
Sehingga setelah Rapat ditutup, susunan anggota Direksi dan As a result, after the meeting was closed, the composition
Direksi: Board of Directors: Dewan Komisaris Bank menjadi sebagai berikut: of the members of the Board of Directors and the Board of
Direktur Utama : RM Raharjo Satrio Unggul President Director : RM Raharjo Satrio Unggul Commissioners of the Company is as follows:
(masa jabatan s/d penutupan (term of office until closing
RUPST tahun 2024) AGMS 2024) Direksi: Board of Directors:
Wakil Direktur Utama : Jayaprakash Bharathan Vice President Director : Jayaprakash Bharathan Direktur Utama : RM Raharjo Satrio Unggul President Director : RM Raharjo Satrio Unggul
(masa jabatan s/d penutupan (term of office until closing (masa jabatan s/d penutupan (term of office until closing
RUPST tahun 2024) AGMS 2024) RUPST tahun 2024) AGMS 2024)
Direktur Operasional : Carolina Dina Rusdiana Operation Director : Carolina Dina Rusdiana Wakil Direktur Utama : Jayaprakash Bharathan Vice President Director : Jayaprakash Bharathan
(masa jabatan s/d penutupan (term of office until closing (masa jabatan s/d penutupan (term of office until closing
RUPST tahun 2025) AGMS 2025) RUPST tahun 2024) AGMS 2024)
Direktur Kepatuhan : Dennis Kusuma Halim Compliance Director : Dennis Kusuma Halim Direktur Operasional : Carolina Dina Rusdiana Operation Director : Carolina Dina Rusdiana
(masa jabatan s/d penutupan (term of office until closing (masa jabatan s/d penutupan (term of office until closing
RUPST tahun 2025) AGMS 2025) RUPST tahun 2025) AGMS 2025)
Direktur Kredit Director of International Direktur Kepatuhan : Dennis Kusuma Halim Compliance Director : Dennis Kusuma Halim
International & Banking : Chandra Sekhar Mukherjee Credit & Banking : Chandra Sekhar Mukherjee (masa jabatan s/d penutupan (term of office until closing
(masa jabatan s/d penutupan (term of office until closing RUPST tahun 2025) AGMS 2025)
RUPST tahun 2025) AGMS 2025) Direktur Kredit Director of International
International & Banking : Chandra Sekhar Mukherjee Credit & Banking : Chandra Sekhar Mukherjee
Dewan Komisaris: Board of Commissioners: (masa jabatan s/d penutupan (term of office until closing
Komisaris Utama : Sudhiranjan Padhi President Commissioner : Sudhiranjan Padhi RUPST tahun 2025) AGMS 2025)
(masa jabatan s/d penutupan (term of office until
RUPST tahun 2024) closing AGMS 2024) Dewan Komisaris: Board of Commissioners:
Komisaris Independen : Handadjaja Sulaiman Independent Commissioner : Handadjaja Sulaiman Komisaris Utama : Sudhiranjan Padhi President Commissioner : Sudhiranjan Padhi
(masa jabatan s/d penutupan (term of office until closing (masa jabatan s/d penutupan (term of office until
RUPST tahun 2025) AGMS 2025) RUPST tahun 2024) closing AGMS 2024)
Komisaris Independen : Lungguk Gultom Independent Commissioner : Lungguk Gultom Komisaris Independen : Handadjaja Sulaiman Independent Commissioner : Handadjaja Sulaiman
(masa jabatan s/d penutupan (term of office until closing (masa jabatan s/d penutupan (term of office until closing
RUPST tahun 2024) AGMS 2024) RUPST tahun 2025) AGMS 2025)
Komisaris Independen : Lungguk Gultom Independent Commissioner : Lungguk Gultom
(masa jabatan s/d penutupan (term of office until closing
RUPST tahun 2024) AGMS 2024)
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Keputusan Rapat Umum Pemegang Saham Tahun 2024 Resolution of shareholders Meeting in 2024 lainnya kepada anggota Dewan Komisaris dan Direksi allowances to members of the Board of Commissioners
Perseroan setelah mendapat rekomendasi dari Komite and Board of Directors of the Company after receiving
Pelaksanaan Rapat Umum Pemegang Saham Tahunan (RUPST) Minutes of the Annual General Meeting of Shareholders Remunerasi dan Nominasi. recommendations from the Remuneration and
pada tanggal 27 Juni 2024 (AGMS) on June 27, 2024 Nomination Committee.
Bank telah menyelenggarakan RUPS Tahunan pada tanggal 27 The Bank held an Annual GMS on June 27, 2024 and all decisions 5. Rapat secara musyawarah untuk mufakat menyetujui usulan 5. The meeting through deliberation and consensus agreed
Juni 2024 dan seluruh hasil keputusan telah terlaksana pada were implemented during the year. Keputusan Mata Acara Kelima, yaitu : the suggestions of the Fifth Meeting Agenda, which were:
tahun tersebut. • Mendelegasikan kewenangan kepada Dewan Komisaris • Delegating authority to the Company's Board of
Perseroan untuk menunjuk Akuntan Publik yang akan Commissioners to appoint a Public Accountant who will
1. Rapat secara musyawarah untuk mufakat menyetujui usulan 1. The meeting through deliberation and consensus agreed mengaudit laporan keuangan Perseroan untuk tahun audit the Company's financial statements for the 2024
Keputusan Mata Acara Pertama, yaitu : the suggestions of the First Meeting Agenda, which were: buku 2024 dan menetapkan honorarium Akuntan financial year and determining the honorarium of the
• Menyetujui dan mengesahkan Laporan Tahunan • To approve and ratify the Company's Annual Report for Publik serta persyaratan lainnya. Public Accountant and other requirements.
Perseroan untuk tahun buku 2023, yang meliputi antara the 2023 financial year, which includes, among others,
lain laporan mengenai kegiatan Perseroan, laporan a report on the Company's activities, a report on the 6. Rapat secara musyawarah untuk mufakat menyetujui usulan 6. The meeting through deliberation and consensus agreed
mengenai tugas pengawasan dari Dewan Komisaris, supervisory duties of the Board of Commissioners, Keputusan Mata Acara Keenam, yaitu : the suggestions of the Sixth Meeting Agenda, which were:
Laporan Keuangan Perseroan tahun buku 2023, serta the Company's Financial Report for the 2023 financial • Menyetujui Perubahan Anggaran Dasar Perseroan • Approving the Amendment to the Company's Articles
memberikan pelunasan dan pembebasan tanggung year and to provide full release and discharge of dalam rangka penyesuaian dengan Undang-Undang of Association in order to comply with Law Number 4
jawab sepenuhnya (acquit et decharge) kepada anggota responsibility (acquit et decharge) to members of the Nomor 4 Tahun 2023 tentang Pengembangan dan of 2023 regarding the Development and Strengthening
Direksi dan Dewan Komisaris Perseroan atas tindakan Board of Directors and Board of Commissioners of the Penguatan Sektor Keuangan, Peraturan OJK Nomor 17 of the Financial Sector, OJK Regulation Number 17 of
pengurusan dan pengawasan yang telah dilakukan, Company for the management and supervisory actions Tahun 2023 tentang Penerapan Tata Kelola Bagi Bank 2023 regarding the Implementation of Governance for
sepanjang tindakan-tindakan tersebut tercermin dalam that have been carried out, as long as these actions are Umum dan Peraturan terkait lainnya. Commercial Banks and other related Regulations.
Laporan Tahunan tersebut. reflected in the Annual Report. • Menyetujui Perubahan Pasal 4 ayat (1) dan ayat (2), • Approving the Amendment to Article 4 paragraph (1)
Pasal 16, Pasal 19, Pasal 21, Pasal 22, Pasal 23 dan Pasal and paragraph (2), Article 16, Article 19, Article 21,
2. Rapat secara musyawarah untuk mufakat menyetujui usulan 2. The meeting through deliberation and consensus agreed 25 Anggaran Dasar Perseroan. Article 22, Article 23 and Article 25 of the Company's
Keputusan Mata Acara Kedua, yaitu : the suggestions of the Second Meeting Agenda, which were: Articles of Association.
• Menyetujui dan mengesahkan Penetapan Penggunaan • To approve and ratify the Determination of the Use of • Menyetujui untuk menyusun kembali seluruh ketentuan • Agree to re-draft all provisions in the Company's
Laba Bersih Tahun Buku 2023, yaitu tidak ada Net Profit for the 2023 Financial Year, namely that there dalam Anggaran Dasar Perseroan sehubungan dengan Articles of Association in connection with the changes
pembagian dividen dan seluruh perolehan laba bersih is no distribution of dividends and all net profit for the perubahan sebagaimana dimaksud pada angka 1 dan 2 referred to in points 1 and 2 above.
tahun buku 2023 dibukukan sebagai Laba Ditahan 2023 financial year is recorded as Retained Earnings to tersebut di atas.
untuk dipergunakan sepenuhnya untuk membantu be used in full to help improve the Bank's performance.
peningkatan kinerja Bank. Sehingga setelah Rapat ditutup, susunan anggota Direksi dan As a result, after the meeting was closed, the composition
Dewan Komisaris Bank menjadi sebagai berikut: of the members of the Board of Directors and the Board of
3. Rapat secara musyawarah untuk mufakat menyetujui usulan 3. The meeting through deliberation and consensus agreed Commissioners of the Company is as follows:
Keputusan Mata Acara Ketiga, yaitu : the suggestions of the Third Meeting Agenda, which were:
• Menyetujui untuk memberhentikan dengan hormat • Approving to honorably dismiss Mr. RM Raharjo Satrio Direksi: Board of Directors:
Bapak RM Raharjo Satrio Unggul dari jabatannya Unggul from his position as President Director of Direktur Utama : Jayaprakash Bharathan President Director : Jayaprakash Bharathan
sebagai Direktur Utama Perseroan yang masa the Company whose term of office has ended, with (masa jabatan s/d penutupan (term of office until closing
jabatannya telah berakhir, dengan ucapan terima gratitude for all contributions of energy and thought RUPST tahun 2027) AGMS 2027)
kasih atas segala sumbangsih tenaga dan pikiran yang given by the person concerned during his term as Direktur Operasional : Carolina Dina Rusdiana Operation Director : Carolina Dina Rusdiana
diberikan oleh yang bersangkutan selama menjabat President Director of the Company. (masa jabatan s/d penutupan (term of office until closing
sebagai Direktur Utama Perseroan. RUPST tahun 2025) AGMS 2025)
• Menyetujui untuk memberhentikan dengan hormat • Approving to honorably dismiss Mr. Jayaprakash Direktur Kepatuhan : Dennis Kusuma Halim Compliance Director : Dennis Kusuma Halim
Bapak Jayaprakash Bharathan dari jabatannya sebagai Bharathan from his position as Deputy President (masa jabatan s/d penutupan (term of office until closing
Wakil Direktur Utama Perseroan yang masa jabatannya Director of the Company whose term of office has RUPST tahun 2025) AGMS 2025)
telah berakhir, dengan ucapan terima kasih atas segala ended, with gratitude for all contributions of energy Direktur Kredit Director of International
sumbangsih tenaga dan pikiran yang diberikan oleh and thought given by the person concerned during his International & Banking : Chandra Sekhar Mukherjee Credit & Banking : Chandra Sekhar Mukherjee
yang bersangkutan selama menjabat sebagai Wakil term as Deputy President Director of the Company. (masa jabatan s/d penutupan (term of office until closing
Direktur Utama Perseroan. RUPST tahun 2025) AGMS 2025)
• Menyetujui untuk mengangkat Bapak Jayaprakash • Approving to appoint Mr. Jayaprakash Bharathan as
Bharathan sebagai Direktur Utama Perseroan terhitung the Company's President Director effective from the Dewan Komisaris: Board of Commissioners:
sejak Rapat ini ditutup sampai dengan RUPS Tahunan closing of this Meeting until the 2027 Annual GMS. Komisaris Utama : Sudhiranjan Padhi President Commissioner : Sudhiranjan Padhi
2027. (masa jabatan s/d penutupan (term of office until
• Menyetujui untuk mengangkat kembali Bapak • Approving to reappoint Mr. Sudhiranjan Padhi as the RUPST tahun 2027) closing AGMS 2027)
Sudhiranjan Padhi sebagai Komisaris Utama Perseroan Company's President Commissioner effective from the Komisaris Independen : Handadjaja Sulaiman Independent Commissioner : Handadjaja Sulaiman
terhitung sejak Rapat ini ditutup sampai dengan RUPS closing of this Meeting until the 2027 Annual GMS. (masa jabatan s/d penutupan (term of office until closing
Tahunan 2027. RUPST tahun 2025) AGMS 2025)
• Menyetujui untuk mengangkat kembali Bapak Lungguk • Approving to reappoint Mr. Lungguk Gultom as the Komisaris Independen : Lungguk Gultom Independent Commissioner : Lungguk Gultom
Gultom sebagai Komisaris Independen Perseroan Company's Independent Commissioner effective from (masa jabatan s/d penutupan (term of office until closing
terhitung sejak Rapat ini ditutup sampai dengan RUPS the closing of this Meeting until the 2027 Annual GMS. RUPST tahun 2027) AGMS 2027)
Tahunan 2027.
4. Rapat secara musyawarah untuk mufakat menyetujui usulan 4. The meeting through deliberation and consensus agreed
Keputusan Mata Acara Keempat, yaitu : the suggestions of the Fourth Meeting Agenda, which were:
• Memberikan kuasa penuh kepada Dewan Komisaris • Granting full authority to the Board of Commissioners
untuk menetapkan gaji, honorarium dan tunjangan to determine the salary, honorarium and other
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Pelaksanakan Rapat Umum Pemegang Saham Luar Biasa
(RUPSLB) pada tanggal 27 Desember 2024
Extraordinary General Meeting of Shareholders (EGMS) held on
December 27, 2024
DEWAN KOMISARIS
BOARD OF COMMISSIONERS
Bank telah menyelenggarakan RUPS Luar Biasa pada tanggal 27 The Bank held an Annual GMS on December 27, 2024 and all
Dewan Komisaris bertugas mengawasi pelaksanaan tugas The Board of Commissioners was tasked to oversee the
Desember 2024 dan seluruh hasil keputusan telah terlaksana pada decisions were implemented during the year.
dan tanggung jawab Direksi, memberi arahan, memantau, implementation of the duties and responsibilities of the Board
tahun tersebut. of Directors, provide direction, monitor and evaluate the
mengevaluasi pelaksanaan kebijakan strategis Bank serta
memberikan nasihat kepada Direksi. Dewan Komisaris dalam implementation of the Bank's strategic policies and provide
Rapat secara musyawarah untuk mufakat menyetujui usulan The meeting through deliberation and consensus agreed the rangka melaksanakan tugas dan tanggung jawabnya berpedoman advice to the Board of Directors. The Board of Commissioners in
Keputusan Mata Acara, yaitu: suggestions of the Meeting Agenda, which were: pada fungsi, susunan, pengangkatan dan pengunduran diri, rapat order to carry out their duties and responsibilities referred to the
• Menyetujui untuk mengangkat Bapak Rahmat Hendratama • Approved to appoint Mr. Rahmat Hendratama as the Dewan Komisaris, transparasi dan etika kerja, kehadiran dan functions, composition, appointment and resignation, meetings
sebagai Direktur Keuangan Perseroan, dengan masa jabatan Company's Finance Director, with a term of office until waktu kerja dan tugas dan wewenang, program pengembangan of the Board of Commissioners, transparency and work ethics,
sampai ditutupnya Rapat Umum Pemegang Saham Tahun the closing of the Company's Annual General Meeting kualitas diri, pengembangan dan pertanggungjawaban kinerja, attendance and working time and duties and authorities, personal
Perseroan yang akan diselenggarakan pada tahun 2027 yang of Shareholders which will be held in 2027 which will komite-komite di tingkat Dewan Komisaris, pelaporan sesuai quality development programs, development and performance
akan berlaku efektif sejak mendapat persetujuan Otoritas be effective upon obtaining approval from the Financial dengan yang tercantum dalam Pedoman Kerja Dewan Komisaris accountability, committees at the Board of Commissioners level,
Services Authority. PT Bank of India Indonesia Tbk dan sesuai Anggaran Dasar, reporting in accordance with those stated in the PT Bank of India
Jasa keuangan.
• Menyetujui perubahan nomenklatur jabatan Direktur Undang-undang Perseroan, Peraturan Bank Indonesia, Peraturan Indonesia Tbk Board of Commissioners Work Guidelines and in
• Approved changes to the nomenclature of the Company's
Otoritas Jasa Keuangan, Peraturan Pasar Modal dan Peraturan accordance with the Articles of Association, Company Law, Bank
Perseroan sebagai berikut: Director positions as follows:
Regulator lainnya. Indonesia Regulations, Financial Services Authority Regulations,
Semula : Direktur Kredit dan International Banking Originally : Director of Credit and International Banking
Capital Market Regulations and other Regulatory Regulations.
Menjadi : Direktur Bisnis. Became : Director of Business.
Dewan Komisaris terdiri dari 1 orang Komisaris Utama dan 2 The Board of Commissioners consists of 1 President Commissioner
Sehingga setelah Rapat ditutup, susunan anggota Direksi dan As a result, after the meeting was closed, the composition orang Komisaris Independen, jumlah tersebut telah memenuhi and 2 Independent Commissioners, the number has met the
Dewan Komisaris Bank menjadi sebagai berikut: of the members of the Board of Directors and the Board of ketentuan regulator bahwa sedikitnya 50% dari anggota Dewan regulatory requirements of 50% of the members of the Board
Commissioners of the Company is as follows: Komisaris merupakan Komisaris Independen, komposisi tersebut of Commissioners consisting of Independent Commissioners,
memungkinkan pengambilan keputusan secara efektif, tepat The appropriate composition enables effective, precise, fast
Direksi: Board of Directors: dan cepat, serta dapat bertindak independen. Independensi and independent decision making. The independence of
Direktur Utama : Jayaprakash Bharathan President Director : Jayaprakash Bharathan Komisaris Independen telah dinyatakan dalam surat pernyataan the Independent Commissioner has stated in a statement of
(masa jabatan s/d penutupan (term of office until closing Independensi. Independence.
RUPST tahun 2027) AGMS 2027)
Direktur Operasional : Carolina Dina Rusdiana Operation Director : Carolina Dina Rusdiana Dewan Komisaris senantiasa menjunjung tinggi prinsip The Board of Commissioners consistently upholds the principle
(masa jabatan s/d penutupan (term of office until closing independensi dalam menjalankan tugas dan tanggung jawabnya of independence in carrying out its duties and responsibilities to
RUPST tahun 2025) AGMS 2025) agar tetap objektif dan bebas dari pengaruh pihak mana pun. remain objective and free from any influence. Furthermore, to
Direktur Kepatuhan : Dennis Kusuma Halim Compliance Director : Dennis Kusuma Halim Selain itu, untuk memastikan kepatuhan dan efektivitas dalam ensure compliance and effectiveness in its supervisory function,
(masa jabatan s/d penutupan (term of office until closing menjalankan fungsi pengawasan, Dewan Komisaris tidak the Board of Commissioners does not hold positions that violate
RUPST tahun 2025) AGMS 2025) merangkap jabatan yang bertentangan dengan ketentuan the provisions of the Regulator.
Direktur Bisnis : Chandra Sekhar Mukherjee Business Director : Chandra Sekhar Mukherjee regulator.
(masa jabatan s/d penutupan (term of office until closing
RUPST tahun 2025) AGMS 2025) Anggota Dewan Komisaris tidak saling memiliki hubungan All members of the Board of Commissioners are not related to
Direktur Keuangan : Rahmat Hendratama*) Finance Director : Rahmat Hendratama*) keluarga sampai dengan derajat kedua dengan sesama Anggota the family of members of the Board of Commissioners and/or
(masa jabatan s/d penutupan (term of office until closing Dewan Komisaris dan/atau Direksi untuk menghindari benturan the Board of Directors to avoid conflict of interest.
RUPST tahun 2027) AGMS 2027) kepentingan.
*) Efektif pada tanggal 17 Maret 2025 sesuai surat keputusan OJK No. *) Effective on March 17, 2025 according to OJK Decree No. KEPR-27/ Pergantian dan/atau pengangkatan anggota Dewan Komisaris The replacement and/or appointment of members of the
KEPR-27/PB.02/2024 PB.02/2024
telah memperhatikan rekomendasi Komite Remunerasi dan Board of Commissioners has observed the Remuneration and
Nominasi serta telah memperoleh persetujuan Rapat Umum Nomination Committee and has obtained the approval of the
Dewan Komisaris: Board of Commissioners: Pemegang Saham (RUPS). GMS.
Komisaris Utama : Sudhiranjan Padhi President Commissioner : Sudhiranjan Padhi
(masa jabatan s/d penutupan (term of office until Komposisi Dewan Komisaris per 31 Desember 2024 adalah Board of Commissioners Composition as of December 31, 2024
RUPST tahun 2027) closing AGMS 2027) sebagai berikut : is as follows:
Komisaris Independen : Handadjaja Sulaiman Independent Commissioner : Handadjaja Sulaiman
(masa jabatan s/d penutupan (term of office until closing Komisaris Utama : Sudhiranjan Padhi President Commissioner : Sudhiranjan Padhi
RUPST tahun 2025) AGMS 2025) Komisaris Independen : Handadjaja Sulaiman Independent Commissioner : Handadjaja Sulaiman
Komisaris Independen : Lungguk Gultom Independent Commissioner : Lungguk Gultom Komisaris Independen : Lungguk Gultom Independent Commissioner : Lungguk Gultom
(masa jabatan s/d penutupan (term of office until closing
RUPST tahun 2027) AGMS 2027) Tugas dan tanggung jawab Dewan Komisaris Board of Commissioners Duties and Responsibilities
Dalam menjalankan tugas dan tanggung jawabnya, Dewan In carrying out their duties and responsibilities, the Board of
Komisaris berpedoman pada Piagam Dewan Komisaris Bank Commissioners adheres to the Bank's Board of Commissioners
sehingga setiap anggota Dewan Komisaris dapat melaksanakan Charter. This ensures that each member of the Board of
fungsi pengawasan yang efektif, efisien, akuntabel, transparan Commissioners can perform their supervisory functions
dan independen sesuai dengan prinsip tata kelola perusahaan effectively, efficiently, accountably, transparently and
yang baik. Piagam ini dievaluasi dan diperbaharui secara berkala independently, in accordance with the principles of good
dengan mengacu pada peraturan perundang-undangan yang corporate governance. This charter is evaluated and updated
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Tata Kelola Perusahaan
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berlaku. Adapun tugas dan tanggung jawab Dewan Komisaris periodically, referring to applicable laws and regulations. The 10. Dewan Komisaris melakukan pengawasan atas kebijakan 10. The Board of Commissioners provides supervision of
Bank adalah sebagai berikut: duties and responsibilities of the Bank's Board of Commissioners pengurusan, jalannya pengurusan pada umumnya, baik management policies, the course of management in
are as follows: mengenai Bank maupun usaha Bank dan memberikan general, both regarding the Bank and the Bank’s business
1. Dewan Komisaris wajib melaksanakan tugas dan tanggung 1. The Board of Commissioners must carry out its duties and nasihat kepada Direksi. Pengawasan dan pemberian nasihat and gives advice to the Board of Directors. Supervision and
jawab secara independen; responsibilities independently; sebagaimana tersebut diatas dilakukan untuk kepentingan advice are carried out in the interests of the Company and
2. Dewan Komisaris wajib memastikan terselenggaranya 2. The Board of Commissioners must ensure the Perseroan dan sesuai dengan Anggaran Dasar dan Undang- in accordance with the Articles of Association and Law of
pelaksanaan Good Corporate Governance dalam setiap implementation of Good Corporate Governance in each of Undang Perseroan dan Regulator; the Company and Regulators;
kegiatan usaha Bank pada seluruh tingkatan atau jenjang the Bank’s business activities at all organizational levels; 11. Dalam jangka waktu paling lambat 90 hari sesudah 11. Within a period of no later than 90 days after the temporary
organisasi; pemberhentian sementara itu, Dewan Komisaris dismissal, the Board of Commissioners is required to hold a
3. Dewan Komisaris wajib melaksanakan pengawasan 3. The Board of Commissioners must supervise the diwajibkan untuk menyelenggarakan RUPS yang akan GMS which will decide whether the member of the Board
terhadap pelaksanaan tugas dan tanggung jawab Direksi, implementation of the duties and responsibilities of memutuskan apakah Anggota Direksi yang bersangkutan of Directors will be terminated or returned to his original
yaitu berupa mengarahkan, memantau dan mengevaluasi the Board of Directors, namely in the form of directing, akan diberhentikan seterusnya atau dikembalikan kepada position, while the member of the Board of Directors who
pelaksanaan kebijakan strategis Bank serta memberikan monitoring and evaluating the implementation of the kedudukannya semula, sedangkan Anggota Direksi yang is suspended is given opportunity to be present to defend
nasihat kepada Direksi; Bank’s strategic policies and providing advice to the Board diberhentikan sementara itu diberi kesempatan untuk hadir himself. If the GMS is not held within the aforementioned
of Directors; guna membela diri. Apabila RUPS tersebut tidak diadakan period, then the temporary dismissal becomes null and void
4. Dalam melakukan pengawasan, Dewan Komisaris dilarang 4. In conducting supervision, the Board of Commissioners is dalam kurun waktu tersebut di atas, maka pemberhentian by law and the person concerned has the right to retake his
terlibat dalam pengambilan keputusan kegiatan operasional prohibited from being involved in making decisions on Bank sementara itu menjadi batal demi hukum dan yang original position;
Bank, kecuali : operations, except: bersangkutan berhak menjabat kembali jabatannya
• Penyediaan dana kepada pihak terkait sebagaimana • Provision of funds to related parties as stipulated in Bank semula;
diatur dalam ketentuan Bank Indonesia tentang Batas of Indonesia regulations regarding the Legal Lending 12. Apabila seluruh anggota Direksi diberhentikan sementara 12. If all members of the Board of Directors are temporarily
Maksimum Pemberian Kredit Bank Umum; dan Limit for Commercial Banks; and dan Perseroan tidak mempunyai seorangpun anggota dismissed and the Company does not have a member
• Hal-hal lain yang ditetapkan dalam Anggaran Dasar Bank • Other matters stipulated in the Bank’s Articles of Direksi maka untuk sementara Dewan Komisaris diwajibkan of the Board of Directors, the Board of Commissioners is
atau peraturan perundangan yang berlaku. Pengambilan Association or applicable laws and regulations.The untuk mengurus Perseroan. Dalam hal demikian Dewan temporarily obliged to take care of the Company. In this case
keputusan oleh Dewan Komisaris menyangkut hal decision made by the Board of Commissioners regarding Komisaris berhak untuk memberikan kekuasaan sementara the Board of Commissioners has the right to give temporary
tersebut, merupakan bagian dari tugas pengawasan this matter is part of the supervisory duties so that it does kepada seorang atau lebih di antara mereka atas tanggungan power to one or more of them at their joint responsibility;
sehingga tidak meniadakan tanggung jawab Direksi atas not negate the responsibility of the Board of Directors mereka bersama;
pelaksanaan kepengurusan Bank. Tugas pengawasan for the implementation of the Bank’s management. The 13. Komisaris Utama atau salah seorang anggota Dewan 13. The President Commissioner or one of the members of the
oleh Dewan Komisaris tersebut merupakan upaya supervisory duties by the Board of Commissioners are Komisaris memimpin RUPS; Board of Commissioners presides over the GMS;
pengawasan dini yang perlu dilaksanakan; early monitoring efforts that need to be implemented; 14. Dewan Komisaris menyetujui rencana korporasi, rencana 14. The Board of Commissioners approves corporate plans,
• Secara khusus dalam Pengawasan Rencana Bisnis Bank, • Specifically, in the Supervision of the Bank's Business bisnis Bank, rencana kerja tahunan serta rencana strategis business plans, annual work plans and IT strategic plans to
paling sedikit harus meliputi penilaian Dewan Komisaris Plan, it must at least include the Board of Commissioners' IT guna mendukung kegiatan usaha Bank; support the Bank’s business activities;
mengenai pelaksanaan Rencana Bisnis Bank secara assessment of the implementation of the Bank's 15. Dewan Komisaris wajib melakukan pengawasan aktif 15. The Board of Commissioners must actively monitor the
kuantitatif maupun kualitatif, faktor yang mempengaruhi Business Plan both quantitatively and qualitatively, the terhadap Fungsi Kepatuhan Bank , dengan cara : Compliance Bank Function by:
kinerja Bank serta upaya memperbaiki kinerja Bank. factors affecting the Bank's performance and the efforts • Mengevaluasi pelaksanaan fungsi kepatuhan Bank paling • Evaluating the implementation of the Bank’s compliance
to improve the Bank's performance. kurang 2 kali dalam satu tahun; function at least 2 times a year;
5. Dewan Komisaris melaksanakan segala kewenangan yang 5. The Board of Commissioners exercises all the authority • Memberikan saran-saran dalam rangka meningkatkan • Providing suggestions in order to improve the quality of
diberikan oleh RUPS, antara lain menetapkan kebijakan granted by the GMS among others, establish policies kualitas pelaksanaan fungsi kepatuhan Bank. Berdasarkan implementation of the Bank’s compliance function. Based
mengenai gaji/honorarium serta tunjangan lain dari Direksi, regarding salaries/honorariums and other benefits from hasil evaluasi pelaksanaan fungsi kepatuhan, Dewan on the results of the evaluation of the implementation
Anggota Dewan Komisaris Perseroan, Pejabat Eksekutif dan the Board of Directors, members of the Company’s Board Komisaris menyampaikan saran-saran dalam rangka of the compliance function, the Board of Commissioners
seluruh karyawan dengan memperhatikan rekomendasi of Commissioners, Executive Officers and all employees peningkatan kualitas pelaksanaan fungsi kepatuhan submits suggestions in order to improve the quality
dari Komite Remunerasi dan Nominasi; by taking into account recommendations from the kepada Direktur Utama dengan tembusan kepada of implementation of the compliance function to the
Remuneration and Nomination Committee; Direktur yang membawahi fungsi kepatuhan. President Director with a copy to the Director in charge
6. Dewan Komisaris wajib memastikan bahwa Direksi telah 6. The Board of Commissioners must ensure that the of the compliance function.
menindaklanjuti temuan audit dan rekomendasi dari Board of Directors has followed up on audit findings and 16. Dalam rangka mendukung efektivitas pelaksanaan tugas dan 16. In order to support the effectiveness of the implementation of
satuan kerja audit internal Bank, auditor eksternal, hasil recommendations from the Bank’s internal audit unit, tanggungjawabnya, Dewan Komisaris wajib membentuk their duties and responsibilities, the Board of Commissioners
pengawasan Bank Indonesia dan/atau hasil pengawasan external auditor, Bank of Indonesia supervision results and/ minimal : must establish a minimum of:
otoritas lain; or the results of supervision by other authorities; • Komite Audit; • Audit Committee;
7. Anggota Dewan Komisaris baik bersama-sama maupun 7. Members of the Board of Commissioners both jointly • Komite Pemantau Risiko; • Risk Monitoring Committee;
sendiri-sendiri setiap waktu dalam jam kerja Kantor and individually every time during the working hours • Komite Remunerasi dan Nominasi. • Remuneration and Nomination Committee.
Perseroan berhak memasuki bangunan dan halaman atau of the Company, have the right to enter buildings and dan memastikan ketiga Komite tersebut menjalankan tugas and ensuring that the three Committees perform their
tempat lain yang dipergunakan atau yang dikuasai oleh environment or other places that are used or controlled by secara efektif. duties effectively.
Perseroan dan berhak memeriksa pembukuan, surat dan the Company and have the right to check books, letters and 17. Berdasarkan rekomendasi dari Komite Audit, Dewan 17. Based on recommendations from the Audit Committee, the
alat bukti lainnya, memeriksa dan mencocokan keadaan other evidence, check and match cash and other securities Komisaris melakukan penelaahan atas : Board of Commissioners reviews:
uang kas dan lain-lain surat berharga serta berhak untuk condition and the right to know all actions that have been • Efektifitas pelaksanaan fungsi Satuan Kerja Audit Intern • Effectiveness of the implementation of the Internal Audit
mengetahui segala tindakan yang telah dijalankan oleh carried out by the Board of Directors; (SKAI); Unit function;
Direksi; • Menyetujui Internal Audit Charter, menanggapi rencana • Approve the Internal Audit Charter, respond to the
8. Direksi dan setiap anggota Direksi wajib untuk memberikan 8. The Board of Directors and each member of the Board Audit Internal dan masalah-masalah yang ditemukan Internal Audit plan and problems found by Internal Audit
penjelasan tentang segala hal ditanyakan oleh Dewan of Directors must provide an explanation of all matters oleh Audit Internal serta menentukan pemeriksaan and determine special audit by the Internal Audit Unit if
Komisaris; questioned by the Board of Commissioners; khusus oleh SKAI apabila terdapat dugaan terjadinya there are allegations of fraud, deviations from applicable
9. Rapat Dewan Komisaris setiap waktu berhak 9. The Board of Commissioners’ meeting at any time has the kecurangan, penyimpangan terhadap hukum dan laws and regulations;
memberhentikan untuk sementara seorang atau lebih right to temporarily dismiss one or more members of the peraturan yang berlaku;
anggota Direksi apabila Anggota Direksi tersebut bertindak Board of Directors if the member of the Board of Directors • Menyampaikan laporan pelaksanaan dan pokok- • Submit the implementation report and the main internal
bertentangan dengan Anggaran Dasar dan/atau peraturan acts in contravention of the Articles of Association and/or pokok hasil audit internal setiap semester dan apabila audit results every semester and if there are internal
perundang-undangan yang berlaku dan pemberhentian applicable legislation and temporary termination must be terdapat temuan audit internal yang diperkirakan dapat audit findings that are predicted to disrupt the business
sementara itu harus diberitahukan kepada yang notified to the relevant person, along with the reasons; mengganggu kelangsungan usaha perusahaan kepada continuity of the company to the Financial Services
bersangkutan, disertai alasannya; OJK; Authority (OJK);
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Tata Kelola Perusahaan
Good Corporate Governance
• Proyeksi keuangan yang akan dikeluarkan oleh • Financial projections to be issued by the company such Sebagai suatu perusahaan yang menjunjung tinggi nilai As a company that upholds the value of professionalism and
perusahaan seperti laporan keuangan, proyeksi dan as financial statements, projections and other financial profesionalisme, maka sebagai wujud penghargaan terhadap as a form of appreciation for the time and effort dedicated by
informasi keuangan lainnya; information; tenaga dan waktu yang telah diberikan oleh Dewan Komisaris the Board of Commissioners in carrying out their duties and
• Independensi dan objektivitas akuntan publik serta • Independence and objectivity of public accountants untuk melaksanakan tugas dan tanggung jawabnya sesuai responsibilities as stipulated in the Articles of Association, the
kecukupan pemeriksaan yang dilakukan oleh akuntan and the adequacy of examinations conducted by public dengan yang telah diatur dalam anggaran dasar. Bank telah Bank provided compensation in the form of remuneration and
publik untuk memastikan semua risiko penting telah accountants to ensure that all important risks have been memberikan kompensasi berupa remunerasi dan fasilitas lainnya other benefits, in cash, amounting to Rp2,142 million to the
dipertimbangkan; considered; dalam bentuk non natura selama tahun 2024 sebesar Rp2.142 Board of Commissioners in 2024, with the following details:
• Efektivitas pengendalian internal perusahaan dengan • The effectiveness of the company’s internal controls by juta kepada Dewan Komisaris dengan rincian sebagai berikut:
melakukan review atas perencanaan dan pelaksanaan reviewing the planning and implementation of investigation
pemeriksaan serta pemantauan atas tindak lanjut and monitoring the follow-up of audit results in order to 2024 2023
hasil pemeriksaan dalam rangka menilai kecukupan assess the adequacy of internal controls including the Jenis Remunerasi dan Fasilitas
Type of Remuneration and Facility Jumlah Orang Dalam Jutaan Rupiah / tahun Jumlah Orang Dalam Jutaan Rupiah / tahun
pengendalian internal termasuk kecukupan proses adequacy of the reporting process; Number of People In million Rupiah / annum Number of People In million Rupiah / annum
pelaporan; Gaji, bonus, tunjangan rutin, tantiem dan fasilitas lainnya dalam 3 2.142 3 1.202
• Tingkat kepatuhan perusahaan terhadap peraturan • The level of company compliance with laws and bentuk non natura
Salary, bonus, routine allowances, tantiem, other non-natura
perundang-undangan yang berhubungan dengan regulations relating to company activities, among others, facilities
kegiatan perusahaan antara lain dengan memastikan by ensuring that reports submitted to the Financial Fasilitas lain dalam bentuk natura (perumahan, transportasi, - - - -
bahwa laporan-laporan yang disampaikan kepada OJK, Services Authority (OJK), Capital Market Regulator, the asuransi kesehatan dan sebagainya):
Other facilities in natura form (housing, transportation, health
Pengawas Pasar Modal, Bursa Efek Jakarta serta instansi Jakarta Stock Exchange and other instances concerned insurance and others) that:
lain yang berkepentingan telah dilakukan dengan benar have been carried out correctly and on time. a. Dapat dimiliki / Can be owned - - - -
b. Tidak dapat dimiliki / Cannot be owned - - - -
dan tepat waktu.
18. Berdasarkan rekomendasi dari Komite Pemantau Risiko, 18. Based on recommendations from the Risk Monitoring TOTAL 3 2.142 3 1.202
Dewan Komisaris melakukan penelaahan atas: Committee, the Board of Commissioners reviews:
• Kesesuaian Kebijakan Manajemen Risiko dengan • Conformity of the Risk Management Policy with the Piagam Dewan Komisaris Board of Commissioners Charter
pelaksanaan kebijakan telah dilaksanakan di setiap implementation of policies that have been carried out in Pedoman kerja Dewan Komisaris ditetapkan dalam Surat Keputusan The work guidelines of the Board of Commissioners are
kegiatan usaha Bank secara menyeluruh; every business activity of the Bank as a whole;
No.018/KP-BD/Int/SK/DKI/XI/2012 tanggal 30 November 2012 stipulated in Decree No.018/KP-BD/Int/SK/DKI/XI/2012 dated
• Pelaksanaan tugas Komite Manajemen Risiko dan Satuan • The implementation of the duties of the Risk Management
tentang Pedoman Kerja Dewan Komisaris PT Bank of India November 30, 2012 regarding the Work Guidelines of the
Kerja Manajemen Risiko tentang penerapan Manajemen Committee and the Risk Management Work Unit
Risiko pada Bank telah dilaksanakan secara efektif. regarding the implementation of Risk Management in Indonesia Tbk dan diperkuat dengan Piagam Dewan Komisaris Board of Commissioners of PT Bank of India Indonesia Tbk and
the Bank has been implemented effectively. yang ditandatangani pada bulan Juli 2023, yang merupakan acuan reinforced by the Board of Commissioners Charter signed in
19. Berdasarkan rekomendasi dari Komite Remunerasi dan 19. Based on recommendations from the Remuneration and Dewan Komisaris dalam menjalankan tugas dan tanggung jawab July 2023, which is a reference for the Board of Commissioners
Nominasi, Dewan Komisaris melakukan penelaahan atas: Nomination Committee, the Board of Commissioners reviews: dan mengatur tentang fungsi, susunan, tugas dan wewenang, in carrying out their duties and responsibilities and regulates
a. Kebijakan terkait dengan kebijakan remunerasi: a. Policies related to remuneration policy: pengangkatan dan pengunduran diri, rapat Dewan Komisaris, functions, composition, duties and authorities, appointment and
• Kesesuaian kebijakan remunerasi yang ada dengan • Conformity of existing remuneration policies with transparansi dan etika kerja, independensi dari rangkap jabatan yang resignation, Board of Commissioners meetings, transparency
pelaksanaannya; their implementation; bertentangan dengan ketentuan regulator, kehadiran dan waktu kerja, and work ethics, independence from concurrent positions
• Kebijakan remunerasi bagi Direksi dan Dewan • Remuneration policy for the Board of Directors and masa kerja, program pengembangan kualitas diri, pengembangan that contradict regulatory provisions, attendance and working
Komisaris yang akan disampaikan melalui RUPS; Board of Commissioners to be submitted through the dan pertanggungjawaban kinerja, Komite-Komite di tingkat Dewan hours, term of office, self-development programs, performance
GMS;
Komisaris dan pelaporan. development and accountability, committees at the Board of
• Kebijakan remunerasi bagi Pejabat Eksekutif dan • Remuneration policies for Executive Officers and
Commissioners level, and reporting.
pegawai secara keseluruhan yang akan disampaikan employees as a whole that will be submitted to the
ke Direksi; Directors;
• Kesesuaian kebijakan remunerasi juga harus • Conformity of remuneration policies must also Frekuensi Rapat Dewan Komisaris Frequency of Board of Commissioners Meetings
mempertimbangkan sasaran dan strategi jangka consider the long-term goals and strategies of the Kebijakan Rapat Dewan Komisaris ditetapkan dalam Surat Keputusan The Board of Commissioners Meeting Policy is stipulated in
panjang Bank serta kinerja keuangan dan pemenuhan Bank and financial performance and fulfillment of No.018/KP-BD/Int/SK/DKI/XI/2012 tanggal 30 November 2012 Decree No.018/KP-BD/Int/SK/DKI/XI/2012 dated November
cadangan sesuai dengan peraturan perundang- reserves in accordance with applicable laws and tentang Pedoman Kerja Dewan Komisaris Bank yang mengatur 30, 2012 regarding the Bank's Board of Commissioners Work
undangan yang berlaku, tingkat kewajaran serta regulations, the level of fairness and individual work ketentuan untuk Rapat Dewan Komisaris yang diselenggarakan secara Guidelines which stipulates the provisions for regular Board of
prestasi kerja individual. performance. berkala minimal 4 kali dalam 1 tahun dan minimal 2 kali dihadiri oleh Commissioners Meetings held at least 4 times a year and at least
seluruh anggota Dewan Komisaris. 2 times attended by all members of the Board of Commissioners.
20. Melaksanakan tugas-tugas lain sepanjang masih berada 20. Carrying out other duties as long as they are within the scope
dalam ruang lingkup tugas dan fungsi Dewan Komisaris. of duties and functions of the Board of Commissioners.
Pelaksanaan Rapat Dewan Komisaris Implementation of the Board of Commissioners Meeting
Sepanjang tahun 2024 Dewan Komisaris telah melaksanakan Throughout 2024, the Board of Commissioners held 8 meetings
Remunerasi Dewan Komisaris Board of Commissioners Remuneration
Kebijakan Remunerasi Dewan Komisaris ditetapkan dalam Surat The Remuneration Policy for the Board of Commissioners was rapat sebanyak 8 kali dengan tingkat kehadiran sebagai berikut: with the following attendance levels:
Keputusan Direksi No. 456/KP-PERS/SK/ESC/XI/2017 tanggal 29 established in the Board of Directors' Decree No. 456/KP-
Total Rapat Kehadiran Persentase (%)
November 2017 tentang Tata Kelola Pemberian Remunerasi Bank PERS/SK/ESC/XI/2017 dated November 29, 2017, regarding Nama / Name Jabatan / Position Total Meeting Attendance Percentage (%)
yang mengatur mengenai pemberian remunerasi bagi Direksi the governance of the Bank's remuneration. It regulates
Komisaris Utama
dan Dewan Komisaris, filosofi dan prinsip dasar pemberian the remuneration for the Board of Directors and the Board Sudhiranjan Padhi President Commissioner 8 8 100
remunerasi, metode dan mekanisme penetapan remunerasi, of Commissioners, the philosophy and basic principles of Komisaris Independen
Handadjaja Sulaiman 8 8 100
struktur remunerasi, kriteria penetapan pejabat material risk remuneration, the methods and mechanisms for setting Independent Commissioner
takers, malus, clawback dan disclosure. remuneration, the remuneration structure, the criteria for Lungguk Gultom Komisaris Independen 8 8 100
Independent Commissioner
identifying material risk takers, malus, clawback and disclosure.
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Tata Kelola Perusahaan
Good Corporate Governance
Pelaksanaan Rapat Gabungan Dewan Komisaris dan Joint Meeting of the Board of Commissioners and Komite pada Dewan Komisaris The Board of Commissioners' Committees
Direksi Directors Dewan Komisaris telah membentuk 3 komite yaitu Komite Audit, The Board of Commissioners has established 3 committees
Sepanjang tahun, 2024 Dewan Komisaris telah melaksanakan Throughout 2024, the Board of Commissioners held joint Komite Pemantau Risiko dan Komite Remunerasi dan Nominasi namely Audit Committee, Risk Monitoring Committee and
rapat gabungan bersama Direksi dengan tingkat kehadiran meetings with the Board of Directors with the following dan Pedoman kerja. Komite tersebut telah ditetapkan dalam Remuneration and Nomination Committee and working
sebagai berikut: frequency and attendance levels: Surat Keputusan Direksi dan memastikan Komite tersebut telah guidelines. The Committees have been established in the Board
menjalankan tugasnya secara efektif dengan melakukan evaluasi of Directors' Decree and ensure that the Committees have
kinerja Komite. Komite dalam menjalankan tugas dan tanggung carried out their duties effectively by evaluating the performance
Nama / Name Jabatan / Position
Total Rapat Kehadiran Persentase (%) jawabnya juga telah melakukan diskusi intensif dengan unit kerja of the Committees. The Committee in carrying out their duties
Total Meeting Attendance Percentage (%) yang ada. and responsibilities has also held extensive discussions with the
Komisaris Utama existing work units.
Sudhiranjan Padhi 5 5 100
President Commissioner
Handadjaja Sulaiman Komisaris Independen 5 5 100 Penilaian Kinerja Dewan Komisaris Board of Commissioners Performance Assessment
Independent Commissioner
Dewan Komisaris melakukan penilaian sendiri (self-assessment) The Board of Commissioners conducts a self-assessment to assess
Lungguk Gultom Komisaris Independen
Independent Commissioner 5 5 100 untuk menilai kinerja dan keefektifan dari pengawasannya. the performance and effectiveness of their supervision. The
Kriteria penilaian kinerja Dewan Komisaris paling sedikit meliputi: criteria for assessing the Board of Commissioners' performance
Direktur Utama*)
President Director*)
3 include the following:
Jayaprakash Bharathan 5 100 • Komitmen terhadap jadwal kerja Dewan Komisaris yang • Commitment to the Board of Commissioners work schedule
Wakil Direktur**)
Vice President Director**) 2 telah ditentukan; that has been determined;
Direktur Bisnis
• Pemahaman terhadap berbagai dinamika dan kondisi • Understanding the various dynamics and the Bank's latest
Chandra Sekhar Mukherjee 5 4 80
Business Director mutakhir Bank; conditions;
Direktur Operasional • Tingkat objektivitas, profesionalisme dan independensi • Objectivity, professionalism and independence in every
Carolina Dina Rusdiana 5 5 100
Operational Director dalam setiap pengambilan keputusan; decision making;
Dennis Kusuma Halim Direktur Kepatuhan 5 5 100
• Kontribusi dalam membangun jaringan bagi kepentingan • Contribution in building networks for the Bank's interests;
Compliance Director
Bank;
RM Raharjo Satrio Unggul
Direktur Utama**)
5 2 40 • Level kompetensi, keahlian, serta pengalaman profesional • Competency level, expertise and professional experience
President Director**)
yang menunjang kemajuan Bank dalam jangka panjang; that support the Bank's progress in the long term;
*) Efektif menjabat sebagai Direktur Utama pada tanggal 14 Oktober 2024. • Sumbangan pemikiran dan gagasan pada setiap rapat, baik • Contribution of thoughts and ideas at every meeting,
*) Effective as President Director as of October 14, 2024.
rapat komite, Dewan Komisaris, gabungan, maupun pada be it the committee meetings, Board of Commissioners
**) Masa jabatan efektif berakhir pada tanggal 27 Juni 2024.
**) The effective term of office ends on June 27, 2024. berbagai pertemuan penting lainnya; meetings, joint meetings, or other important meetings;
• Komitmen untuk melakukan pengawasan agar Bank • Commitment to provide oversight so that the Bank
tetap berada pada jalur yang benar dalam menerapkan remains on the right track in applying all principles of good
Pelatihan yang Diikuti Dewan Komisaris semua prinsip tata kelola yang baik secara intensif dan governance intensively and comprehensively.
Training Attended by the Board of Commissioners komprehensif.
Selama Tahun 2024 Dewan Komisaris telah mengikuti pelatihan/ During the year, the Board of Commissioners has participated in
sosialisasi/seminar sebagai berikut: training/socialization/seminars as follows: Penilaian Terhadap Kinerja Komite Di bawah Dewan Assessment of the Performance of Committees under
Komisaris the Board of Commissioners
Dewan Komisaris berwenang membentuk Komite yang The Board of Commissioners is authorized to form Committees
Jenis Training Penyelenggara Tanggal Pelaksanaan
Name of Training Organizer Training Date bertanggung jawab langsung kepada Dewan Komisaris untuk that are directly responsible to the Board of Commissioners to
membantu tugas pengawasan dan pengelolaan Bank yaitu assist in the supervision and management of the Bank, which are
Sudhiranjan Padhi
Komisaris Utama / President Commissioner
Komite Audit, Komite Pemantau Risiko dan Komite Remunerasi the Audit Committee, Risk Monitoring Committee, Remuneration
dan Nominasi. Dewan Komisaris menilai Komite telah and Nomination Committee. The Board of Commissioners
1. Penyelarasan Manajemen Risiko Jenjang 6 Bankers Association for Risk Management (BARA) 21 - 23 Agustus 2024 memberikan rekomendasi dan bekerja secara efektif serta considers that the Committees have provided recommendations
Risk Management Level 6 Coordination Bankers Association for Risk Management (BARA) August 21 - 23, 2024 independen selama tahun 2024. and worked effectively and independently during 2024.
2. Training APU PPT untuk Dewan Komisaris dan Direksi
Genesis Inti Utama 21 September 2024
APU-PPT Training for Board of Commissioners and
Directors
Genesis Inti Utama September 21, 2024 Rekomendasi yang Diberikan Dewan Komisaris kepada Recommendation to Board of Directors by the Board of
Handadjaja Sulaiman
Direksi Commissioners
Komisaris Independen / Independent Commissioner Sepanjang tahun 2024, Dewan Komisaris secara berkala Throughout 2024, the Board of Commissioners provided
1. Training APU PPT untuk Dewan Komisaris dan Direksi
memberikan rekomendasi dan nasihat yang diperlukan kepada recommendations and necessary advice to the Board of
Genesis Inti Utama 21 September 2024 Direksi dalam mengatasi tantangan atau memberikan proyeksi Directors in overcoming challenges or providing future business
APU-PPT Training for Board of Commissioners and
Genesis Inti Utama September 21, 2024
Directors bisnis ke depan. projections.
Adapun rekomendasi yang diberikan Dewan Komisaris kepada The recommendations given by the Board of Commissioners to
2. Penyelarasan Manajemen Risiko Jenjang 6 Bankers Association for Risk Management (BARA) 16 - 18 Oktober 2024 Direksi sepanjang tahun 2024 adalah sebagai berikut: the Board of Directors throughout 2024 are as follows:
Risk Management Level 6 Coordination Bankers Association for Risk Management (BARA) October 16 - 18, 2024
1. Manajemen agar fokus dalam membenahi Risiko Kredit 1. Management should focus on addressing Credit Risk and
Lungguk Gultom
maupun Risiko Operasional serta kelemahan lainnya yang Operational Risk, as well as other existing weaknesses, to
Komisaris Independen / Independent Commissioner masih ada sehingga rating Tingkat Kesehatan Bank (TKB=2) maintain the Bank’s Risk-Based Bank Rating (RBBR=2).
1. Training APU PPT untuk Dewan Komisaris dan Direksi dapat dipertahankan.
Genesis Inti Utama 21 September 2024
APU-PPT Training for Board of Commissioners and 2. Manajemen agar memperkuat infrastruktur Cyber Security 2. Management should strengthen Cyber Security
Genesis Inti Utama September 21, 2024
Directors untuk meningkatkan sistem keamanan Bank. infrastructure to enhance the Bank’s security systems.
3. Mengembangkan produk-produk baru dalam memenuhi 3. Develop new products to meet customer expectations by
2. Penyelarasan Manajemen Risiko Jenjang 6 Bankers Association for Risk Management (BARA) 16 - 18 Oktober 2024 ekspektasi Nasabah dengan lebih mendayagunakan CBS utilizing the Bank’s new CBS, such as improving Internet
Risk Management Level 6 Coordination Bankers Association for Risk Management (BARA) October 16 - 18, 2024
baru yang telah dimiliki Bank, seperti pengembangan fitur Banking features, expanding Mobile Banking functionalities
di Internet Banking, pengembangan fitur di Mobile Banking and developing other products.
dan pengembangan produk lainnya.
4. Manajemen agar fokus dalam memenuhi regulatory 4. Management should focus on fulfilling regulatory
requirement seperti rasio-rasio keuangan rencana kerja requirements, including key financial ratios and core work
utama. plans.
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Tata Kelola Perusahaan
Good Corporate Governance
5. Manajemen agar menindaklanjuti kelemahan-kelemahan 5. Management should address identified weaknesses in Susunan Komite Audit / Audit Committee Composition
yang masih ditemukan dalam Sistem Internal Control the Internal Control System, including findings from OJK,
seperti temuan-temuan, baik OJK, Internal Audit, maupun Internal Audit and KAP, by revising/improving Policies,
Ketua
Kantor Akuntan Publik, seperti revisi/penyempurnaan Procedures and other Regulations. These changes should Chairman
Kebijakan, Prosedur dan Kebijakan lainnya, serta be effectively communicated to ensure all staff understand
mengkomunikasikannya dengan baik sehingga semua staff and implement them confidently, without hesitation due to Lungguk Gultom
memahami dan melaksanakannya tanpa suatu keragu- a lack of comprehension.
raguan karena kurangnya pemahaman.
6. Manajemen agar fokus menaikkan rasio CASA terutama 6. Management should focus on increasing the CASA ratio,
terhadap perusahaan dan karyawan debitur Bank yang particularly from corporate clients and employees of
telah ada, sehingga dapat menaikkan NIM Bank. Untuk existing debtors, to improve the Bank’s NIM. To attract more Anggota Anggota
dapat meningkatkan daya tarik bagi nasabah, maka Bank customers, the Bank must develop appealing products Member Member
harus mengembangkan produk-produk yang menarik untuk tailored to their needs.
Handadjaja Sulaiman Teddy Reinier Sondakh*)
nasabah ini.
7. Meningkatkan kemampuan staf dalam melakukan analisa 7. Enhance staff capabilities in conducting in-depth credit
yang lebih mendalam sehubungan dengan pemberian analysis through quality training available in the market
kredit, baik melalui training yang baik yang tersedia di or by recruiting senior staff with strong expertise and *) Bapak Teddy Reinier Sondakh meninggal dunia pada tanggal 6 Desember 2024.
*) Mr. Teddy Reinier Sondakh has passed away on December 6, 2024.
market maupun merekrut staf (staff senior) yang memiliki consistency in business monitoring and debtor financial
kemampuan mumpuni dan konsistensi dalam monitoring management. Lungguk Gultom Lungguk Gultom
bisnis dan pengelolaan keuangan debitur. Ketua Komite Audit Chairman of Audit Committee
8. Melakukan proses restrukturisasi kredit yang lebih intensif 8. Implement a more intensive credit restructuring process Lungguk Gultom adalah Warga Negara Indonesia, berusia 70 Lungguk Gultom is an Indonesian citizen, 70 years old.
sebagai antisipasi terhadap kondisi keuangan/Bisnis debitur to anticipate declining financial/business conditions of tahun. Lulus dengan gelar Sarjana Manajemen dari Universitas Graduated with a Bachelor of Management degree from
yang menurun dan melakukan peningkatan recovery atas debtors, improve recovery efforts on written-off loans Katolik Parahyangan pada tahun 1979. Beliau menjabat Parahyangan Catholic University in 1979. He has served as an
Kredit yang sudah dihapusbukukan (write-off), serta segera (write-off) and promptly sell assets acquired by the Bank sebagai Komisaris Independen PT Bank of India Indonesia Independent Commissioner of PT Bank of India Indonesia Tbk
menjual aset yang telah diambil alih oleh Bank (AYDA). (AYDA). Tbk sejak Desember 2021. Dasar hukum pengangkatan since December 2021. The legal basis for his appointment as an
9. Manajemen agar melakukan monitoring yang ketat serta 9. Management should closely monitor and take immediate beliau sebagai Komisaris Independen, sesuai dengan hasil Independent Commissioner is in accordance with the results
segera melakukan action/follow up terhadap penurunan action/follow-up on the declining credit quality of Rapat Umum Pemegang Saham Luar Biasa (RUPSLB) tanggal of the Extraordinary General Meeting of Shareholders (EGMS)
kualitas debitur yang telah direstrukturisasi, terutama bila restructured debtors, especially in cases of repeated 9 Desember 2021 dengan Akta No. 09 yang diterbitkan oleh dated December 9, 2021 with Deed No. 09 issued by Notary
restrukturisasi telah dilakukan secara berulang. restructuring. Notaris Winter Sigiro, SH., MH. Winter Sigiro, SH., MH.
10. Manajemen agar melaksanakan uji coba (testing) secara 10. Management should conduct structured testing in
terstruktur sesuai SOP Business Continuity Management accordance with the SOP for Business Continuity Karier beliau dimulai di PT Bank Niaga Tbk pada tahun 1982 His career began at PT Bank Niaga Tbk in 1982 to 1999 with
maupun SOP terkait Disaster Recovery Center (DRC) yang Management (BCM) and the SOP for Disaster Recovery sampai 1999 dengan berbagai jabatan sebagai Internal various positions as Internal Auditor Staff, Credit Policy Division
telah ada sebagai antisipasi terhadap kondisi force majeure, Center (DRC) to anticipate force majeure ,flood and others. Auditor Staff, Credit Policy Division Head, Branch Manager, Head, Branch Manager, Banking Head, Chief Internal Audit/
banjir dan lain-lain. Banking Head, Chief Internal Audit/Comptroller, Regional Comptroller, Regional Area Manager and Corporate Banking
Area Manager dan Corporate Banking Group Head. Tahun Group Head. From 1999 to 2001, he continued his career as
Dewan Komisaris telah membentuk 3 komite yaitu Komite Audit, The Board of Commissioners has established three committees: 1999 sampai dengan 2001, beliau melanjutkan karir sebagai Head of the Asset Management Investment Division at the
Komite Pemantau Risiko dan Komite Remunerasi dan Nominasi. the Audit Committee, the Risk Monitoring Committee and Kepala Divisi Investasi Manajemen Aset di Badan Penyehatan Indonesian Bank Restructuring Agency (IBRA). Furthermore, he
Pedoman kerja Komite tersebut telah ditetapkan dalam Surat the Remuneration and Nomination Committee. The working Perbankan Nasional (BPPN). Selanjutnya, beliau melanjutkan continued his career for 10 years from 2001 to 2011 at PT Bank
Keputusan Direksi dan memastikan Komite tersebut telah guidelines for these committees have been set forth in the karir selama 10 tahun dari tahun 2001 sampai 2011 di PT Bank Danamon Indonesia Tbk holding various positions from Risk
menjalankan tugasnya secara efektif dengan melakukan evaluasi Board of Directors' Decree, ensuring that the committees Danamon Indonesia Tbk menduduki berbagai jabatan dari Management Division Head and Internal Audit Division Head,
kinerja Komite. Komite dalam menjalankan tugas dan tanggung have effectively carried out their duties by evaluating their Risk Management Division Head dan Internal Audit Division Head of Compliance Division and Advisor to Director. From 2011
jawabnya juga telah melakukan diskusi intensif dengan unit kerja performance. The committees have also conducted intensive Head, Kepala Divisi Kepatuhan dan Advisor to Director. Sejak to 2013 he was appointed as a Member of the Audit Committee
yang ada. discussions with the existing units to fulfill their tasks and tahun 2011 sampai dengan 2013 beliau ditunjuk sebagai and Independent Risk Monitoring for PT Bank Commonwealth
responsibilities. Anggota Komite Audit dan Pemantau Risiko Independen untuk Indonesia and PT BPD Banten Tbk. From 2013 to 2017 he served
PT Bank Commonwealth Indonesia dan PT BPD Banten Tbk. as a member of the Board of Directors and in January 2017 was
KOMITE AUDIT Sejak tahun 2013 sampai tahun 2017 beliau menjabat sebagai
anggota Direksi dan pada Januari 2017 diangkat sebagai CEO.
appointed as CEO. From 2017 to 2020, he served as a Member of
the Independent Audit Committee for PT Bank BNI 46 Tbk.
AUDIT COMMITTEE Di tahun 2017 sampai 2020, beliau menjabat sebagai Anggota
Komite Audit adalah komite yang dibentuk oleh dan bertanggung The Audit Committee is a committee established by and Komite Audit Independen untuk PT Bank BNI 46 Tbk.
jawab kepada Dewan Komisaris untuk membantu pelaksanaan responsible to the Board of Commissioners to assist in carrying
tugas dan fungsi Dewan Komisaris yang bertugas melakukan out the duties and functions of the Board of Commissioners. It Handadjaja Sulaiman Handadjaja Sulaiman
pengawasan secara umum dan/atau khusus sesuai dengan is tasked with conducting general and/or specific supervision in Anggota Komite Audit Member of Audit Committee
anggaran dasar serta memberikan nasihat kepada Direksi Bank. accordance with the Articles of Association and providing advice Handadjaja Sulaiman adalah Warga Negara Indonesia, 66 tahun, Handadjaja Sulaiman is an Indonesian citizen, 66 years old, who
Pemenuhan anggota komite audit dilakukan sesuai ketentuan to the Bank’s Board of Directors. The composition of the Audit menjabat sebagai Komisaris Independen PT Bank of India has served as an Independent Commissioner of PT Bank of India
yaitu anggota komite audit paling sedikit terdiri dari seorang Committee is in compliance with applicable regulations, which Indonesia Tbk sejak tahun 2013. Pada tahun 1982 menyandang Indonesia Tbk since 2013. In 1982 he earned an engineering
Komisaris Independen, seorang Pihak Independen yang ahli di require that the committee consists of at least one Independent gelar insinyur dari Universitas Katolik Parahyangan dan lima tahun degree from Parahyangan Catholic University and five years later
bidang keuangan atau akuntansi dan seorang Pihak Independen Commissioner, one Independent Party with expertise in finance kemudian yaitu pada tahun 1987 menyandang gelar Master of in 1987 he earned a Master of Business Administration from
yang ahli di bidang hukum atau Perbankan. or accounting and one Independent Party with expertise in law Business Administration dari California State University, Long California State University, Long Beach. He started his career as
or Banking. Beach. Beliau memulai karirnya sebagai Construction Manager Construction Manager at Mulia Group in 1983. Then became
di Mulia Group pada tahun 1983. Kemudian menjadi Business Business Development in 1988. Then he joined PT Procon Indah
Komite Audit telah bertindak secara independen dan objektif The Audit Committee has acted independently and objectively Development pada tahun 1988. Selanjutnya bergabung di PT from 1990 to 2007 with his last position as Director. And in 2007
dan pernyataan independensi Anggota Komite Audit telah and the statement of independence of the Audit Committee Procon Indah dari tahun 1990 s/d 2007 dengan jabatan terakhir he became Executive Director at PT Cushman and Wakefield
dinyatakan sebagaimana tercantum dalam Surat Keputusan Members has been declared as stated in the Board of Directors' sebagai Direktur. Dan pada tahun 2007 menjadi Executive Indonesia and until now he is still Vice Chairman there. In
Direksi No. 001//KP-BD/INT/SK/JTT/III/2018 tanggal 29 Maret Decision Letter No. 001//KP-BD/INT/SK/JTT/III/2018 dated Director di PT Cushman dan Wakefield Indonesia dan sampai 2018 to early 2019, he was a Member of the Property Industry
2018 tentang Piagam Komite Audit PT Bank of India Indonesia March 29, 2018, regarding the Audit Committee Charter of PT sekarang masih menjadi Vice Chairman di sana. Pada tahun 2018 Working Group of the Economic and Industrial Committee
Tbk. Bank of India Indonesia Tbk. sampai awal tahun 2019, beliau menjadi Anggota Kelompok (KEIN), Coordinating Ministry for Economic Affairs and Industry
Kerja Industri Properti dari Komite Ekonomi dan Industri (KEIN), of the Republic of Indonesia.
Struktur keanggotaan komite audit diatur dalam SK No. 092/KP- The structure of the Audit Committee membership is regulated Kemenko Perekonomian dan Industri Republik Indonesia.
HCT/SK/HSD/VI/2022 tanggal 27 Juni 2022 tentang Komite Audit under Decree No. 092/KP-HCT/SK/HSD/VI/2022 dated 27 June
dan pedoman Komite Audit yang beranggotakan 3 orang yang 2022 regarding the Audit Committee and its guidelines. The
diketuai oleh Komisaris Independen. committee consists of three members and is chaired by an
Independent Commissioner.
PT BANK OF INDIA INDONESIA Tbk PT BANK OF INDIA INDONESIA Tbk
142 Laporan Tahunan 2024 Annual Report 2024 143
Page 74
Tata Kelola Perusahaan
Good Corporate Governance
Pada tahun 2013 Beliau bergabung dengan PT Bank of India In 2013, he joined PT Bank of India Indonesia Tbk. In addition Pendidikan atau Pelatihan Komite Audit Audit Committee Education or Training
Indonesia Tbk. Selain menjadi anggota Komite Audit, Beliau to being a member of the Audit Committee, he also serves as Selama tahun 2024, dua anggota Komite Audit telah mengikuti During 2024, two members of the Audit Committee have
juga merangkap jabatan menjadi Ketua Komite Remunerasi dan Chairman of the Remuneration and Nomination Committee pendidikan/pelatihan/seminar yang terkait dengan tugas dan attended education/training/seminars related to their duties
Nominasi berdasarkan Surat Keputusan Direksi No. 367/KP-HCT/ based on the Decree of the Board of Directors No. 367/KP- tanggung jawabnya sebagai anggota Komite Audit. and responsibilities as members of the Audit Committee.
SK/ESC/XI/2021 tanggal 01 November 2021 tentang Komite HCT/SK/ESC/XI/2021 dated November 1, 2021 regarding the
Nominasi dan Remunerasi. Nomination and Remuneration Committee.
Kegiatan pelatihan yang diikuti oleh Dewan Komisaris dapat The training activities attended by the Board of Commissioners
Teddy Reinier Sondakh Teddy Reinier Sondakh dilihat pada halaman 140. can be seen on page 140.
Anggota Komite Audit Member of Audit Committee
Warga Negara Indonesia, 75 tahun. Beliau meraih gelar Sarjana Indonesian citizen, 75 years old. He earned a Bachelor of Law Piagam Komite Audit Audit Committee Charter
Hukum Universitas Katolik Dharma Cendika Surabaya pada tahun degree from Dharma Cendika Catholic University Surabaya in Piagam Komite Audit memuat pelaksanaan tugas dan tanggung The Audit Committee Charter contains the implementation of
1998, kemudian meraih gelar Sarjana Psikologi dari Universitas 1998, then earned a Bachelor of Psychology degree from Putra jawab Komite Audit sebagai berikut: the duties and responsibilities of the Audit Committee as follows:
Putra Bangsa Surabaya dan Magister Hukum dari Universitas Bangsa University Surabaya and a Master of Law from Surabaya 1. Menelaah informasi keuangan yang akan dikeluarkan oleh 1. Reviewing financial information to be released by the Bank
Surabaya, lulus tahun 2000. Doktor Ilmu Hukum lulusan University, graduating in 2000. This Doctor of Law graduate Bank kepada publik dan/atau pihak otoritas, antara lain to the public and/or regulatory authorities, including finan-
Universitas Brawijaya Malang ini menjadi Anggota Komite Audit from Brawijaya University Malang was a Member of the Audit laporan keuangan, proyeksi dan laporan lainnya terkait cial statements, projections and other reports related to the
PT Bank of India Indonesia Tbk sejak tahun 2004 sampai tahun Committee of PT Bank of India Indonesia Tbk from 2004 to 2014. dengan informasi Keuangan Bank. Bank’s financial information.
2014. Kemudian menjadi Anggota Komite Pemantau Risiko PT Then became a Member of the Risk Monitoring Committee of PT 2. Menelaah ketaatan terhadap peraturan perundang- 2. Reviewing compliance with laws and regulations related to
Bank of India Indonesia Tbk. Bank of India Indonesia Tbk. undangan yang berhubungan dengan kegiatan Bank. the Bank’s activities.
3. Memberikan pendapat independen dalam hal terjadinya 3. Providing an independent opinion in the event of a disa-
Periode dan masa jabatan Anggota Komite Audit Period and Term of Office of Audit Committee Members perbedaan pendapat antara manajemen dan akuntan atas greement between management and accountants regard-
Periode dan masa jabatan Anggota Komite Audit telah diatur The period and term of office of Audit Committee Members have jasa yang diberikannya. ing the services provided.
dalam Surat Keputusan No. 001/KPBD/INT/SK/JTT/III/2018 been regulated in Decree No. 001/KPBD/INT/SK/JTT/III/2018 4. Menelaah perencanaan, pelaksanaan dan mengawasi 4. Reviewing the planning, implementation and monitoring of
tanggal 29 Maret 2018 tentang “Piagam Komite Audit PT Bank of dated March 29, 2018 regarding the "Audit Committee Charter pelaksanaan tindak lanjut oleh Direksi atas temuan auditor follow-up actions by the Board of Directors on findings from
India Indonesia Tbk” yang mengatur masa tugas anggota Komite of PT Bank of India Indonesia Tbk" which stipulates that the term internal maupun eksternal. internal and external auditors.
Audit tidak boleh lebih lama dari masa jabatan Dewan Komisaris of office of Audit Committee members may not be longer than 5. Memberikan rekomendasi kepada Dewan Komisaris 5. Providing recommendations to the Board of Commissioners
sebagaimana diatur dalam Anggaran Dasar dan dapat dipilih the term of office of the Board of Commissioners as stipulated mengenai penunjukkan Akuntan Publik yang didasarkan regarding the appointment of a Public Accountant based on
kembali hanya untuk 1 periode berikutnya. in the Articles of Association and can only be re-elected for 1
pada independensi, ruang lingkup penugasan audit dan independence, audit assignment scope and service fees.
subsequent period.
imbalan jasa.
Pernyataan independensi Anggota Komite Audit Statement of Independence of Audit Committee Members 6. Melakukan penelaahan atas pelaksanaan pemeriksaan oleh 6. Reviewing the implementation of audits conducted by in-
Komite Audit telah bertindak secara independen dan objektif dan The Audit Committee has acted independently and objectively auditor internal. ternal auditors.
pernyataan independensi anggota Komite Audit telah dinyatakan and the statement of independence of Audit Committee 7. Menelaah dan melaporkan kepada Dewan Komisaris atas 7. Reviewing and reporting to the Board of Commissioners on
sebagaimana tercantum dalam Piagam Komite Audit PT Bank of members has been stated as stated in the Audit Committee pengaduan yang berkaitan dengan proses akuntansi dan complaints related to the Bank’s accounting and financial
India Indonesia Tbk. Charter of PT Bank of India Indonesia Tbk. pelaporan keuangan Bank. reporting processes.
8. Menelaah dan memberikan saran kepada Dewan Komisaris 8. Reviewing and providing advice to the Board of Commis-
Frekuensi Rapat Komite Audit Frequency of Audit Committee Meeting terkait dengan adanya potensi benturan kepentingan Bank. sioners regarding potential conflicts of interest within the
Kebijakan dan pelaksanaan tentang frekuensi rapat Komite The policy and implementation of the frequency of Audit Bank.
Audit dan tingkat kehadiran anggota Komite Audit dalam rapat Committee meetings and the level of attendance of Audit 9. Membantu Dewan Komisaris dalam melakukan pengawasan 9. Assisting the Board of Commissioners in actively supervising
tersebut diatur dalam Piagam Komite Audit yang mengatur Committee members in such meetings are regulated in the aktif terhadap Fungsi Kepatuhan dengan: the Compliance Function by:
Rapat Komite Audit dilaksanakan secara berkala. Audit Committee Charter which regulates that Audit Committee • Mengevaluasi pelaksanaan Fungsi Kepatuhan Bank • Evaluating the implementation of the Bank’s Compli-
Meetings are held periodically. terhadap peraturan internal Bank dan peraturan ance Function against internal regulations and applica-
perundang-undangan yang berhubungan dengan ble laws related to the Bank’s activities, at least twice
Pelaksanaan Rapat Komite Audit Implementation of Audit Committee Meetings kegiatan Bank dan paling kurang 2 (dua) kali dalam 1 a year.
Kebijakan dan pelaksanaan rapat Anggota Komite yang terkait The policy and implementation of Committee Member meetings, (tahun).
dengan frekuensi rapat dan tingkat kehadiran anggota Komite including meeting frequency and attendance, have been • Memberikan saran-saran dalam rangka meningkatkan • Providing recommendations to improve the quality of
Audit telah diatur dalam Piagam Komite Audit PT Bank of India regulated in the Audit Committee Charter of PT Bank of India kualitas pelaksanaan Fungsi Kepatuhan Bank. the Bank’s Compliance Function.
Indonesia Tbk, yaitu Komite Audit mengadakan rapat secara Indonesia Tbk. The Audit Committee holds regular meetings, 10. Membantu Dewan Komisaris dalam melakukan pengawasan 10. Assisting the Board of Commissioners in actively supervising
berkala dan dilakukan minimal 1 kali dalam sebulan. with a minimum of one meeting per month. aktif terhadap penerapan strategi Anti-Fraud dengan the implementation of the anti-fraud strategy by reviewing
menelaah atas Laporan Penerapan Strategi Anti-Fraud yang the Anti-Fraud Strategy Implementation Report submitted
Selama tahun 2024, Komite Pemantau Risiko telah melaksanakan During 2024, the Risk Monitoring Committee held 13 meetings disampaikan oleh unit Anti-Fraud Management. by the Anti-Fraud Management unit.
rapat sebanyak 13 kali pada tanggal 29 Januari, 28 Februari, 28 on 29 January, 28 February, 28 March, 26 April, 31 May, 26 June, 11. Memberikan rekomendasi kepada Dewan Komisaris 11. Providing recommendations to the Board of Commission-
Maret, 26 April, 31 Mei, 26 Juni, 30 Juli, 28 Agustus, 27 September, 30 July, 28 August, 27 September, 30 October, 8 November, 29 mengenai pengangkatan, pemberhentian, serta penilaian ers regarding the appointment, dismissal and performance
30 Oktober, 8 November, 29 November dan 6 Desember dengan November and 6 December, with the following attendance rate: kinerja Kepala SKAI. evaluation of the Head of Internal Audit Unit (SKAI).
tingkat kehadiran sebagai berikut:
12. Menjaga kerahasiaan dokumen, data dan informasi Bank. 12. Maintaining the confidentiality of the Bank’s documents,
data and information.
Total Rapat Kehadiran Persentase (%)
Nama / Name Jabatan / Position Total Meeting Attendance Percentage (%)
Program Kerja Komite dan Realisasi Program Kerja Committee Work Program and Realization of Audit Committee
Handadjaja Sulaiman
Anggota
Member
13 13 100,00 Komite Audit Work Program
Kegiatan anggota Komite Audit pada tahun buku 2024 telah The activities of the Audit Committee members for the 2024
Ketua
Lungguk Gultom
Chairman
13 13 100,00 dilaksanakan sesuai dengan yang tercantum dalam Piagam fiscal year have been carried out in accordance with the Audit
Komite Audit, antara lain membahas tentang: Committee Charter, including discussions on:
Anggota
Teddy Reinier Sondakh*)
Member
13 11 84,00 • Penunjukan Akuntan Publik dan/atau Kantor Akuntan • Appointment of a Public Accountant and/or Public
Publik; Accounting Firm;
*) Teddy Reinier Sondakh berhalangan hadir tidak mengikuti rapat sejak bulan November 2024 dan Desember 2024 dikarenakan sakit dan meninggal dunia pada bulan Desember 2024 • Hasil evaluasi Komite Audit terhadap pelaksanaan Audit • Evaluation results of the Audit Committee on the
*) Teddy Reinier Sondakh was unable to attend meetings since November 2024 and December 2024 due to illness and passed away in December 2024.
atas Informasi keuangan tahunan; implementation of the audit of annual financial information;
• Laporan aktivitas SKAI dan tindak lanjut rapat Komite Audit • SKAI activity reports and follow-ups on Audit Committee
atas aktivitas SKAI; meetings regarding SKAI activities;
PT BANK OF INDIA INDONESIA Tbk PT BANK OF INDIA INDONESIA Tbk
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Tata Kelola Perusahaan
Good Corporate Governance
• Temuan dalam Laporan Hasil Pemeriksaan (LHP) Otoritas • Findings in the Financial Services Authority (OJK) Audit Karier beliau dimulai di PT Bank Niaga Tbk pada tahun 1982 His career began at PT Bank Niaga Tbk in 1982 to 1999 with
Jasa Keuangan; Report; sampai 1999 dengan berbagai jabatan sebagai Internal various positions as Internal Auditor Staff, Credit Policy Division
• Area of Concern dari anggota Komite Audit; • Areas of concern from Audit Committee members; Auditor Staff, Credit Policy Division Head, Branch Manager, Head, Branch Manager, Banking Head, Chief Internal Audit/
• Perkembangan kondisi Bank per posisi 31 Desember 2024; • Bank’s financial condition as of 31 December 2024; Banking Head, Chief Internal Audit/Comptroller, Regional Comptroller, Regional Area Manager and Corporate Banking
• Audit Issue dan Rekomendasi Penggunaan Jasa Akuntan • Audit issues and recommendations for the use of Public Area Manager dan Corporate Banking Group Head. Tahun Group Head. From 1999 to 2001, he continued his career as
Publik dan Kantor Akuntan Publik. Accountants and Public Accounting Firms. 1999 sampai dengan 2001, beliau melanjutkan karir sebagai Head of the Asset Management Investment Division at the
Kepala Divisi Investasi Manajemen Aset di Badan Penyehatan Indonesian Bank Restructuring Agency (IBRA). Furthermore, he
Perbankan Nasional (BPPN). Selanjutnya, beliau melanjutkan continued his career for 10 years from 2001 to 2011 at PT Bank
Danamon Indonesia Tbk holding various positions from Risk
KOMITE PEMANTAU RISIKO karir selama 10 tahun dari tahun 2001 sampai 2011 di PT Bank
Danamon Indonesia Tbk menduduki berbagai jabatan dari Management Division Head and Internal Audit Division Head,
RISK MONITORING COMMITTEE Risk Management Division Head dan Internal Audit Division Head of Compliance Division and Advisor to Director. From 2011
Head, Kepala Divisi Kepatuhan dan Advisor to Director. Sejak to 2013 he was appointed as a Member of the Audit Committee
Komite Pemantau Risiko dibentuk oleh Dewan Komisaris The Risk Monitoring Committee is formed by the Board of tahun 2011 sampai dengan 2013 beliau ditunjuk sebagai and Independent Risk Monitoring for PT Bank Commonwealth
dengan tanggung jawab untuk memberikan masukan kepada Commissioners with the responsibility to provide input to the Anggota Komite Audit dan Pemantau Risiko Independen untuk Indonesia and PT BPD Banten Tbk. From 2013 to 2017 he served
Dewan Komisaris mengenai isu-isu manajemen risiko, untuk Board of Commissioners on risk management issues, to evaluate PT Bank Commonwealth Indonesia dan PT BPD Banten Tbk. as a member of the Board of Directors and in January 2017 was
mengevaluasi manajemen risiko dan sistem pengawasan internal risk management and internal control systems and to provide Sejak tahun 2013 sampai tahun 2017 beliau menjabat sebagai appointed as CEO. From 2017 to 2020, he served as a Member of
serta menyediakan berbagai informasi bagi Dewan Komisaris various information for the Board of Commissioners in order to anggota Direksi dan pada Januari 2017 diangkat sebagai CEO. the Independent Audit Committee for PT Bank BNI 46 Tbk.
Di tahun 2017 sampai 2020, beliau menjabat sebagai Anggota
dalam rangka mengantisipasi risiko. anticipate risks.
Komite Audit Independen untuk PT Bank BNI 46 Tbk.
Struktur keanggotaan Komite Pemantau Risiko terakhir diatur The membership structure of the Risk Monitoring Committee Teddy Reinier Sondakh Teddy Reinier Sondakh
dalam Surat Keputusan Direksi No. 094/KP-HCT/SK/HSD/VI/2022 was last regulated by the Board of Directors' Decree No. 094/ Anggota Komite Pemantau Risiko Member of Risk Monitoring Committee
tanggal 27 Juni 2022 serta tugas dan fungsi Komite Pemantau KP-HCT/SK/HSD/VI/2022 dated June 27, 2022 and the duties and Warga Negara Indonesia, 75 tahun. Beliau meraih gelar Sarjana Indonesian citizen, 75 years old. He earned a Bachelor of Law
Risiko diatur dalam Surat Keputusan Direksi No. 014/KP-BD/INT/ functions of the Risk Monitoring Committee are regulated by the Hukum Universitas Katolik Dharma Cendika Surabaya pada tahun degree from Dharma Cendika Catholic University Surabaya in
SK/HS/V/2017 tanggal 23 Mei 2017. Board of Directors' Decree No. 014/KP-BD/INT/SK/HS/V/2017 1998, kemudian meraih gelar Sarjana Psikologi dari Universitas 1998, then earned a Bachelor of Psychology degree from Putra
dated May 23, 2017. Putra Bangsa Surabaya dan Magister Hukum dari Universitas Bangsa University Surabaya and a Master of Law from Surabaya
Surabaya, lulus tahun 2000. Doktor Ilmu Hukum lulusan University, graduating in 2000. This Doctor of Law graduate
Keanggotaan Komite Pemantau Risiko terdiri dari 3 orang. The membership of the Risk Monitoring Committee consists of 3 Universitas Brawijaya Malang ini menjadi Anggota Komite Audit from Brawijaya University Malang was a Member of the Audit
Pemenuhan susunan anggota Komite Pemantau Risiko sesuai members. Fulfillment of the composition of the Risk Monitoring PT Bank of India Indonesia Tbk sejak tahun 2004 sampai tahun Committee of PT Bank of India Indonesia Tbk from 2004 to 2014.
ketentuan regulasi, yaitu paling sedikit terdiri dari seorang Committee members according to the regulation, namely 2014. Kemudian menjadi Anggota Komite Pemantau Risiko PT Then became a Member of the Risk Monitoring Committee of PT
Komisaris Independen, seorang Pihak Independen yang ahli di at least consisting of one Independent Commissioner, one Bank of India Indonesia Tbk. Bank of India Indonesia Tbk.
bidang keuangan atau akuntansi dan seorang Pihak Independen Independent Party who is an expert in finance or accounting and
yang ahli di bidang manajemen risiko. one Independent Party who is an expert in risk management. Maya Indreswari Maya Indreswari
Anggota Komite Pemantau Risiko Member of Risk Monitoring Committee
Warga Negara Indonesia, berusia 63 tahun, menerima pendidikan Indonesian citizen, 63 years old, who received her last education
Susunan Komite Pemantau Risiko terakhir di Institut Teknologi Bandung Bidang Studi Matematika at the Bandung Institute of Technology majoring in Mathematics
Risk Monitoring Committee Formation di tahun 1981 sampai 1986. Karier beliau dimulai di PT Bank from 1981 to 1986. Her career began at PT Bank CIMB Niaga Tbk
CIMB Niaga Tbk sejak tahun 1987 sampai dengan 2016. Beranjak from 1987 to 2016. Starting from Database Administrator, Head
Per 31 Desember 2024, Susunan Komite Pemantau Risiko sebagai As of December 31, 2024, the composition of the Risk Monitoring dari Database Administrator, Head of Safekeeping, Operation of Safekeeping, Operation Policy & Procedure team, IT team, IT
berikut: Committee is as follows : Policy & Procedure team, IT team, IT Relationship Management Relationship Management Head, Project Manager for various
Head, Project Manager untuk berbagai proyek, Business projects, Business Continuity Management Head, CIMB Regional
Ketua
Continuity Management Head, CIMB Regional Team (Kuala Team (Kuala Lumpur), IT Merger Team, Operations Policy and
Chairman Lumpur), IT Merger Team, Operations Policy dan Procedure Procedure Head, Anti-Fraud Management, Change Agent for
Head, Anti-Fraud Management, Change Agent for Performance Performance Management System and 1 Platform IT Project
Lungguk Gultom
Management System dan 1 Platform IT Project team. Pada team. In 2018 to 2020, she continued her career at Perum Peruri
tahun 2018 sampai dengan 2020, beliau melanjutkan kariernya as the Risk Evaluation and Monitoring Committee. She joined as
ke Perum Peruri sebagai Komite Evaluasi dan Pemantauan a Member of the Risk Monitoring Committee for PT Bank of India
Risiko. Beliau bergabung sebagai Anggota Komite Pemantau Indonesia Tbk since 2022.
Anggota Anggota Risiko untuk PT Bank of India Indonesia Tbk sejak tahun 2022.
Member Member
Periode dan masa Jabatan Anggota Komite Pemantau Risiko Period and Tenure of the Risk Monitoring Committee Members
Teddy Reinier Sondakh*) Maya Indreswari The period and term of office of the Risk Monitoring Committee
Periode dan masa jabatan anggota Komite Pemantau Risiko
diatur dalam Surat Keputusan No. 014/KP-BD/INT/SK/HS/V/17 members are regulated in Decree No. 014/KP-BD/INT/SK/
tanggal 23 Mei 2017 tentang Tugas dan Fungsi Komite Pemantau HS/V/17 dated May 23, 2017 regarding the Duties and Functions
*) Bapak Teddy Reinier Sondakh meninggal dunia pada tanggal 6 Desember 2024.
*) Mr. Teddy Reinier Sondakh has passed away on December 6, 2024. Risiko Bank. of the Bank's Risk Monitoring Committee.
Profil Komite Pemantau Risiko Risk Monitoring Committee Profile Piagam Komite Pemantau Risiko Audit Committee Charter
Lungguk Gultom Lungguk Gultom Piagam Komite Pemantau Risiko telah diatur dalam SK/014/ The Risk Monitoring Committee Charter has been regulated in
Ketua Komite Pemantau Risiko Chairman of Risk Monitoring Committee KP-BD/INT/SK/HS/V/17 tanggal 23 Mei 2017 tentang Tugas dan SK/014/KP-BD/INT/SK/HS/V/17 dated May 23, 2017 regarding
Lungguk Gultom adalah Warga Negara Indonesia, berusia 70 Lungguk Gultom is an Indonesian citizen, 70 years old. Fungsi Komite Pemantau Risiko PT Bank of India Indonesia Tbk. the Duties and Functions of the Risk Monitoring Committee of
tahun. Lulus dengan gelar Sarjana Manajemen dari Universitas Graduated with a Bachelor of Management degree from PT Bank of India Indonesia Tbk.
Katolik Parahyangan pada tahun 1979. Beliau menjabat Parahyangan Catholic University in 1979. He has served as an
sebagai Komisaris Independen PT Bank of India Indonesia Independent Commissioner of PT Bank of India Indonesia Tbk
Pernyataan Independensi Komite Pemantau Risiko The Independence Statement of the Risk Monitoring Committee
Tbk sejak Desember 2021. Dasar hukum pengangkatan since December 2021. The legal basis for his appointment as an
beliau sebagai Komisaris Independen, sesuai dengan hasil Independent Commissioner is in accordance with the results Ketua dan anggota Komite Pemantau Risiko telah membuat The Chairman and members of the Risk Monitoring Committee
Rapat Umum Pemegang Saham Luar Biasa (RUPSLB) tanggal of the Extraordinary General Meeting of Shareholders (EGMS) dan menandatangani surat pernyataan Independensi, sebagai have made and signed the Independence Statement, as part of
9 Desember 2021 dengan Akta No. 09 yang diterbitkan oleh dated December 9, 2021 with Deed No. 09 issued by Notary bagian dari proses uji kemampuan dan kepatutan telah the fit and proper test process for the approval of the financial
Notaris Winter Sigiro, SH., MH. Winter Sigiro, SH., MH. mendapat persetujuan dari Otoritas Jasa Keuangan. services authority.
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Tata Kelola Perusahaan
Good Corporate Governance
Duties and Responsibilities of the Risk Monitoring Committee
Tugas dan Tanggung Jawab Komite Pemantau Risiko
1. Mengevaluasi tentang kesesuaian antara kebijakan 1. Evaluate the suitability of Risk Management policy with the KOMITE REMUNERASI DAN NOMINASI
manajemen risiko dengan pelaksanaan kebijakan implementation of Bank policy; REMUNERATION AND NOMINATION COMMITTEE
Bank;
2. Melakukan pemantauan dan mengevaluasi pemantauan 2. Perform monitoring and evaluation of the performance of Komite Remunerasi dan Nominasi dibentuk oleh Dewan Komisaris The Remuneration and Nomination Committee is formed
dan evaluasi pelaksanaan tugas Komite Manajemen the Risk Management Committee and the risk management dengan tanggung jawab untuk memberikan pertimbangan atau by the Board of Commissioners with the responsibility to
Risiko dan Satuan Kerja Manajemen Risiko; working unit; rekomendasi kepada Dewan Komisaris dalam menjalankan provide considerations or recommendations to the Board of
3. Memberikan rekomendasi kepada Dewan Komisaris. 3. Provide recommendations to the Board of Commissioners. fungsi, tugas, wewenang dan tanggung jawab terkait dengan Commissioners in carrying out functions, duties, authorities and
kebijakan Remunerasi dan Nominasi di Bank. responsibilities related to the Remuneration and Nomination
Pendidikan Atau Pelatihan Pemantau Risiko Risk Monitoring Education or Training policy at the Bank.
Selama tahun buku 2024, Komite Pemantau Risiko telah During the financial year 2024, the Risk Monitoring Committee
mengikuti pendidikan dan atau pelatihan terkait dengan tugas has attended education and/or training related to the duties and Komite Remunerasi dan Nominasi diketuai oleh Komisaris The Remuneration and Nomination Committee is chaired by
dan tanggung jawab sebagai Komite Pemantau Risiko. responsibilities as Risk Monitoring Committee Independen dan anggota merupakan Komisaris Non Independen an Independent Commissioner and its members are Non-
dan Pejabat Eksekutif Divisi Human Capital. Komite Remunerasi Independent Commissioners and Executive Officers of the
Frekuensi Rapat Komite Pemantau Risiko Frequency of Risk Monitoring Committee Meetings dan Nominasi dibentuk oleh Dewan Komisaris dengan tanggung Human Capital Division. The Remuneration and Nomination
Telah diatur dalam Surat Keputusan Direksi No. 014 KP-BD/ Has been regulated in the Decree of the Board of Directors No. jawab untuk membantu dan memberikan rekomendasi kepada Committee is formed by the Board of Commissioners with the
INT/SK/HS/V/17 tanggal 23 Mei 2017 tentang Tugas dan Fungsi 014 KP-BD/INT/SK/HS/V/17 dated May 23, 2017 regarding the Dewan Komisaris dalam melakukan evaluasi terhadap kebijakan responsibility to assist and provide recommendations to the
Komite Pemantau Risiko PT Bank of India Indonesia Tbk. Duties and Functions of the Risk Monitoring Committee of PT Remunerasi dan Nominasi. Struktur dan pedoman kerja Komite Board of Commissioners in evaluating the Remuneration and
Bank of India Indonesia Tbk. Nominasi dan Remunerasi terkini diatur dalam Surat Keputusan Nomination policies. The current structure and work guidelines
Direksi No. 088/KP-HCS/INT/SK/HSD/IX/2024 tanggal 27 of the Nomination and Remuneration Committee are regulated
Pelaksanaan Rapat Komite Pemantau Risiko Implementation of Risk Monitoring Committee Meetings
September 2024. in the Decree of the Board of Directors No. 088/KP-HCS/INT/SK/
Rapat Komite Pemantau Risiko selama tahun 2024 telah Risk Monitoring Committee Meetings during 2024 have been
HSD/IX/2024 dated September 27, 2024.
diselenggarakan sebanyak 12 kali pada tanggal 29 Januari, 28 held 12 times on January 29, February 28, March 28, April 26,
Februari, 28 Maret, 26 April, 31 Mei, 26 Juni, 30 Juli, 28 Agustus, May 31, June 26, July 30, August 28, September 27, October
27 September, 30 Oktober, 29 November dan 6 Desember 2024, 30, November 29 and December 6, 2024, with the following
Susunan Komite Remunerasi dan Nominasi
dengan tingkat kehadiran sebagai berikut: attendance levels:
Remuneration and Nomination Committee Composition
Nama / Name Jabatan / Position Total Rapat Kehadiran Persentase (%) Per 31 Desember 2024, Susunan Komite Remunerasi dan As of December 31, 2024, the composition of the Remuneration
Total Meeting Attendance Percentage (%)
Nominasi sebagai berikut: and Nomination Committee is as follows:
Ketua
Lungguk Gultom 12 12 100,00
Chairman
Anggota
Teddy Reinier Sondakh*) 12 10 83,00
Member
Ketua
Chairman
Anggota
Maya Indreswari 12 12 100,00
Member
Handadjaja Sulaiman
*) Teddy Reinier Sondakh berhalangan hadir tidak mengikuti rapat sejak bulan November 2024 dan Desember 2024 dikarenakan sakit dan meninggal dunia pada bulan Desember 2024
*) Teddy Reinier Sondakh was unable to attend meetings since November 2024 and December 2024 due to illness and passed away in December 2024.
Program Kerja dan Realisasi Program Kerja Komite Pemantau Work Program and Realization of Risk Monitoring Anggota Anggota
Member Member
Risiko Committee Work Program
Kegiatan program kerja Komite Pemantau Risiko pada tahun The Risk Monitoring Committee work program activities in the year Sudhiranjan Padhi Dwi Anita Kurniasih
2024 telah dilaksanakan, antara lain membahas: 2024 have been carried out, which include discussing:
1. Monitoring Tindak Lanjut LHP OJK 2023 dan Action Plan; 1. Monitoring of Follow-Up Actions on OJK 2023 Audit Report
and Action Plan.
2. Laporan Pelaksanaan Fungsi Kepatuhan Semester II 2023; 2. Report on the Implementation of Compliance Function for
Semester II 2023. Profil Komite Remunerasi dan Nominasi Remuneration and Nomination Committee Profile
3. Presentation of the Risk-Based Bank Rating for Semester II Handadjaja Sulaiman Handadjaja Sulaiman
3. Pemaparan Tingkat Kesehatan Bank periode Semester II
2023. Ketua Komite Remunerasi dan Nominasi Chairman of Remuneration dan Nomination Committee
2023;
4. Presentation on the Bank’s Risk Profile for Quarter I 2024. Warga Negara Indonesia, 66 tahun, menjabat sebagai Komisaris Indonesian citizen, 66 years old, who has served as an
4. Pemaparan Profil Risiko Bank periode Triwulan I tahun 2024;
5. Discussion on the debtor’s watchlist (recoverable debtors) Independen PT Bank of India Indonesia Tbk sejak tahun 2013. Independent Commissioner of PT Bank of India Indonesia Tbk
5. Pembahasan debtor’s watchlist (yang masih dapat
and Low-Quality Loans (KKR) along with the action plan. Pada tahun 1982 menyandang gelar insinyur dari Universitas since 2013. In 1982 he earned an engineering degree from
diselamatkan) dan Kredit Kualitas Rendah (KKR) serta action
Katolik Parahyangan dan lima tahun kemudian yaitu pada tahun Parahyangan Catholic University and five years later in 1987 he
plan;
1987 menyandang gelar Master of Business Administration dari earned a Master of Business Administration from California State
6. Pembahasan hal-hal yang membaik dan yang perlu 6. Discussion on improvements and areas requiring attention
California State University, Long Beach. Beliau memulai karirnya University, Long Beach. He started his career as Construction
mendapat perhatian yang berkaitan dengan risiko inheren related to inherent risks and KPMR in the Risk Profile.
sebagai Construction Manager di Mulia Group pada tahun 1983. Manager at Mulia Group in 1983. Then became Business
dan KPMR dalam Profil Risiko;
Kemudian menjadi Business Development pada tahun 1988. Development in 1988. Then he joined PT Procon Indah from 1990
7. Pemaparan Profil Risiko Bank Triwulan II tahun 2024; 7. Presentation on the Bank’s Risk Profile for Quarter II 2024.
Selanjutnya bergabung di PT Procon Indah dari tahun 1990 to 2007 with his last position as Director. And in 2007 he became
8. Pemaparan Tingkat Kesehatan Bank Semester I tahun 2024; 8. Presentation on the Bank’s Health Level for Semester I 2024.
hingga 2007 dengan jabatan terakhir sebagai Direktur. Dan Executive Director at PT Cushman and Wakefield Indonesia and
9. Proses dan kendala di Operasional PT Bank of India Indonesia 9. Processes and challenges in PT Bank of India Indonesia Tbk pada tahun 2007 menjadi Executive Director di PT Cushman dan until now he is still Vice Chairman there. In 2018 to early 2019,
Tbk; operations. Wakefield Indonesia dan sampai sekarang masih menjadi Vice he was a Member of the Property Industry Working Group of
10. Tindak Lanjut Kesiapan Cyber Security terkait peluncuran 10. Follow-up on Cyber Security Readiness related to the launch Chairman di sana. Pada tahun 2018 sampai awal tahun 2019, the Economic and Industrial Committee (KEIN), Coordinating
Internet Banking - Mobile Banking; of Internet Banking - Mobile Banking. beliau menjadi Anggota Kelompok Kerja Industri Properti dari Ministry for Economic Affairs and Industry of the Republic of
11. Profil Risiko Divisi Operasional; 11. Risk Profile of the Operations Division. Komite Ekonomi dan Industri (KEIN), Kemenko Perekonomian Indonesia.
12. Profil Risiko Divisi Internal Audit. 12. Risk Profile of the Internal Audit Division. dan Industri Republik Indonesia.
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Tata Kelola Perusahaan
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Selain menjadi anggota Komite Audit, Beliau juga merangkap In addition to being a member of the Audit Committee, he Komisaris serta dilaporkan pada saat Rapat Umum Pemegang the decision of the Board of Commissioners meeting and reported
jabatan menjadi Ketua Komite Remunerasi dan Nominasi also serves as Chairman of the Remuneration and Nomination Saham (RUPS). at the General Meeting of Shareholders (GMS).
berdasarkan Surat Keputusan Direksi No. 088/KP-HCS/INT/ Committee based on the Decree of the Board of Directors No.
SK/HSD/IX/2024 tanggal 27 September 2024 tentang Komite 088/KP-HCS/INT/SK/HSD/IX/2024 dated September 27, 2024 Tugas dan Tanggung Jawab Komite Remunerasi dan Nominasi Duties and Responsibilities of the Remuneration and Nomination
Remunerasi dan Nominasi. regarding the Remuneration and Nomination Committee. Committee
Membantu dan memberikan rekomendasi kepada Dewan Assist and provide recommendations to the Board of
Shudiranjan Padhi Sudhiranjan Padhi Komisaris dalam melakukan evaluasi terhadap kebijakan Commissioners in evaluating the Remuneration and Nomination
Anggota Komite Remunerasi dan Nominasi Member of Remuneration dan Nomination Committee Remunerasi dan Nominasi: policies:
Warga Negara India, berusia 58 tahun. Lulus dengan gelar Indian Citizen, 58 years old. Graduated with a Master of Arts in
Master of Arts di bidang Matematika dari Universitas Utkal Mathematics from Utkal University in 1988. Earned an Associate a. Remunerasi a. Remuneration
pada tahun 1988. Mendapatkan sertifikat Associate of Indian of Indian Institute of Bankers (CAIIB) Certificate and holds 1. Kebijakan Remunerasi bagi Dewan Komisaris dan Direksi 1. Remuneration Policy for the Board of Commissioners and
Institute of Bankers (CAIIB) dan memegang Advanced Diploma an Advanced Diploma in Computers. He served as President yang disampaikan kepada Rapat Umum Pemegang Saham Board of Directors to be submitted to the General Meeting
in Computers. Beliau menjabat sebagai Komisaris Utama PT Commissioner of PT Bank of India Indonesia Tbk through the (RUPS); of Shareholders (GMS);
Bank of India Indonesia Tbk melalui Rapat Umum Pemegang Extraordinary General Meeting of Shareholders (EGMS) on 2. Kebijakan Remunerasi bagi Pejabat Eksekutif dan Karyawan 2. Remuneration Policy for Executive Officers and Employees
Saham Luar Biasa (RUPS LB) pada tanggal 7 Januari 2021 dan January 7, 2021 and has passed the Fit and Proper Test based on secara keseluruhan untuk disampaikan kepada Direksi; as a whole to be submitted to the Board of Directors;
telah lulus Uji Kemampuan dan Kepatutan berdasarkan surat the Decree of the Deputy Commissioner for Banking Supervision 3. Dalam memberikan rekomendasi yang terkait dengan 3. In providing recommendations related to this Remuneration,
Keputusan Deputi Komisioner Pengawas Perbankan 1 Otoritas 1 of the Financial Services Authority No. KEP-34/ PB.01/2021 Remunerasi ini juga harus memperhatikan faktor-faktor the following factors must also be considered:
Jasa Keuangan No. KEP34/PB.01/2021 tanggal 5 Mei 2021. dated May 5, 2021. sebagai berikut:
• Kinerja keuangan Bank dan kecukupan pemenuhan • Bank's financial performance and adequacy of reserves;
Beliau bergabung dengan Bank of India sebagai Direct Recruit He joined Bank of India as Direct Recruit Officer in 1990. Over the cadangan;
Officer pada tahun 1990. Selama 30 tahun terakhir, beliau telah past 30 years he has worked in various functional areas including • Prestasi kerja individu; • Individual work performance;
bekerja di berbagai bidang fungsional yang meliputi Perbankan general Banking, forex, information technology and international • Kinerja sesuai peer group; dan • Performance in line with peer group; and
umum, valas, teknologi informasi dan Perbankan internasional Banking in Bank operations both domestically and overseas. In • Pertimbangan sasaran dan strategi jangka pendek Bank. • Considerations of the Bank's short-term targets and
dalam operasi Bank baik dalam dan luar negeri. Dalam tugasnya his current role, he is placed as General Manager overseeing the strategies.
saat ini, dia ditempatkan sebagai General Manager yang Information Technology Department.
mengawasi Departemen Teknologi Informasi. b. Nominasi b. Nomination
1. Menyusun kebijakan sistem dan prosedur pemilihan dan/ 1. Prepare a policy system and procedures for the selection
Hary Suryawan Dwiputra Hary Suryawan Dwiputra atau penggantian anggota Dewan Komisaris dan Direksi and/or replacement of members of the Board of
Anggota Komite Remunerasi dan Nominasi Member of the Remuneration and Nomination Committee untuk disampaikan kepada Rapat Umum Pemegang Saham Commissioners and Board of Directors to be submitted to
Hary Suryawan Dwiputra, Warga Negara Indonesia berusia 53 Hary Suryawan Dwiputra, an Indonesian citizen, aged 53. He (RUPS). the General Meeting of Shareholders (GMS).
tahun. Beliau mendapat pendidikan terakhir sebagai Sarjana received his Bachelor of Economics from Universitas Indonesia 2. Memberikan rekomendasi mengenai calon anggota Dewan 2. Provide recommendations regarding candidates for
Ekonomi di Universitas Indonesia tahun 1998. Memulai karier in 1998. He began his Banking career as an Account Officer at Komisaris dan/atau Direksi, kepada Dewan Komisaris untuk members of the Board of Commissioners and/or Board of
di bidang Perbankan sebagai Account Officer di PT Bank PT Bank Swadesi Tbk in 1993, then served as Branch Manager disampaikan kepada Rapat Umum Pemegang Saham. Directors, to the Board of Commissioners to be submitted
Swadesi Tbk sejak tahun 1993, kemudian menjabat sebagai of Mayjen Sungkono Sub-Branch – Surabaya (2005-2007). He to the General Meeting of Shareholders.
Pimpinan Cabang Pembantu Mayjen Sungkono – Surabaya held managerial positions at several branches of PT Bank of India 3. Memberikan rekomendasi mengenai pihak Independen 3. Members of the Risk Monitoring Committee, who have
(2005-2007). Beliau menduduki posisi Pimpinan di beberapa Indonesia Tbk (2007-2022) and later served as Head of Human yang akan menjadi: expertise in finance and one in Risk Management.
cabang PT Bank of India Indonesia Tbk (2007-2022) dan Capital Services Division (2022-2024). He currently serves as • Anggota Komite Audit yang memiliki keahlian di bidang • Audit Committee members who possess expertise in
Kepala Divisi Human Capital Services (2022-2024). Saat ini Head of Operations Division since October 2024. He served as a keuangan atau akuntansi dan yang memiliki keahlian di finance or accounting and those who have expertise in
menjabat sebagai Kepala Divisi Operasional sejak Oktober Member of the Remuneration and Nomination Committee until bidang hukum atau Perbankan; law or Banking;
2024. Beliau menjabat sebagai Anggota Komite Remunerasi dan September 2024. • Anggota Komite Pemantau Risiko yang memiliki keahlian • Risk Monitoring Committee members who possess
Nominasi hingga September 2024. di bidang manajemen risiko dan bidang keuangan. expertise in risk management and finance.
4. Dalam melaksanakan wewenang, Komite Remunerasi dan 4. In carrying out its authority, the Remuneration and
Dwi Anita Kurniasih Dwi Anita Kurniasih Nominasi bekerja sama dengan Divisi/Unit Kerja/Satuan Nomination Committee collaborates with the Division/Work
Anggota Komite Remunerasi dan Nominasi Member of the Remuneration and Nomination Committee Kerja yang menangani Sumber Daya Manusia. Unit tasked with Human Resources.
Dwi Anita Kurniasih, Warga Negara Indonesia berusia 43 tahun. Dwi Anita Kurniasih, Indonesian citizen aged 43. She received her 5. Mengevaluasi kebijakan atau keputusan yang telah diambil 5. Evaluate policies or decisions that have been taken by
Beliau mendapat pendidikan terakhir sebagai Sarjana Ekonomi Bachelor of Economics in Accounting from Universitas Trisakti in oleh Direksi terkait dengan penerapan Remunerasi dan the Board of Directors related to the implementation of
Akuntansi di Universitas Trisakti tahun 2004. Mengawali karier 2004. She began her career as an Accountant at PT Caraka Tirta Nominasi. Remuneration and Nomination.
sebagai Accounting di PT Caraka Tirta Perkasa (2004-2005), Perkasa (2004-2005), then served as an HR Business Partner at PT 6. Menjaga kerahasiaan dokumen, data dan informasi Bank. 6. Maintain the confidentiality of Bank documents, data and
kemudian Beliau menjabat sebagai HR Business Partner di Bank CIMB Niaga Tbk (2005-2010). She worked at PT Bank UOB information.
PT Bank CIMB Niaga Tbk (2005-2010) dan bekerja di PT Bank Indonesia (2010-2018) with her last position as HR Business Partner
UOB Indonesia (2010-2018) dengan jabatan terakhir sebagai Head for Wholesale & Global Market. She currently serves as Head Piagam Komite Remunerasi dan Nominasi Remuneration and Nomination Committee Charter
HR Business Partner Head for Wholesale & Global Market. of the Human Capital Division at PT Bank of India Indonesia Tbk since Dalam menjalankan tugas dan tanggung jawabnya, Komite In carrying out its duties and responsibilities, the Committee
Saat ini menjabat sebagai Kepala Divisi Human Capital di October 2024. She was appointed as a Member of the Remuneration senantiasa mengacu pada Piagam Komite Remunerasi dan always refers to the Remuneration and Nomination Committee
PT Bank of India Indonesia Tbk sejak bulan Oktober tahun and Nomination Committee based on the Board of Directors Decree Nominasi, sebagaimana telah ditetapkan dalam No. 088/KP- Charter, as stipulated in No. 088/KP-HCS/INT/SK/HSD/IX/2024
2024. Dasar hukum pengangkatan beliau sebagai Anggota No.088/KP-HCS/INT/SK/HSD/IX/2024 dated September 27, 2024. HCS/INT/SK/HSD/IX/2024 tanggal 27 September 2024. dated September 27, 2024.
Komite Remunerasi dan Nominasi berdasarkan Surat Keputusan
Direksi No.088/KP-HCS/INT/SK/HSD/IX/2024 tanggal 27 September Pernyataan Independensi Komite Remunerasi dan Nominasi Remuneration and Nomination Committee Independence
2024. Statement
Ketua Komite Remunerasi dan Nominasi telah membuat dan The Chairperson of the Remuneration and Nomination Committee
Periode dan masa Jabatan Komite Remunerasi dan Nominasi Term of Office of the Remuneration and Nomination Committee menandatangani surat pernyataan Independensi, sebagai bagian has prepared and signed a statement of Independence, as part
Periode dan Masa Jabatan Komite Remunerasi dan Nominasi The Term of Office of the Remuneration and Nomination dari proses uji kemampuan dan kepatutan telah mendapat of the fit and proper test process that has received approval from
diatur dalam No. 088/KP-HCS/INT/SK/HSD/IX/2024 tanggal 27 Committee is regulated in No. 088/KP-HCS/INT/SK/HSD/IX/2024 persetujuan dari Otoritas Jasa Keuangan (OJK). the Financial Services Authority (OJK).
September 2024 tentang Komite Remunerasi dan Nominasi, dated September 27, 2024 regarding the Remuneration and
diangkat dan diberhentikan oleh Dewan Komisaris dengan Nomination Committee, appointed and dismissed by the Board of
Surat Keputusan Direksi berdasarkan keputusan rapat Dewan Commissioners with a Decree of the Board of Directors based on
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Tata Kelola Perusahaan
Good Corporate Governance
Tata Kelola Remunerasi Remuneration Governance remunerasi yang bersifat variabel kepada karyawan. variable remuneration to Employees. The achievement of key
Bank senantiasa terus menyempurnakan pemberian remunerasi The Bank continues to improve the provision of remuneration Pencapaian kinerja utama dimaksud diberi skala pencapaian performance is given an achievement scale and will determine
bagi karyawannya untuk memastikan bahwa program for its employees to ensure that the Bank's compensation dan akan menentukan tingkat remunerasi variabel yang the level of variable remuneration received.
kompensasi Bank dapat memotivasi, kompetitif dan selaras program is motivating, competitive and in line with the interests didapat.
dengan kepentingan para Pemegang Saham serta mencerminkan of Shareholders and reflects best practices in Bank governance
praktik terbaik dalam tata kelola Bank dan prinsip-prinsip and the principles of risk management regulations (prudent risk Kaitan Pengukuran Kinerja dengan Pemberian Remunerasi Relation of Work Measurement with Remuneration Provision
peraturan manajemen risiko (prudent risk taking). taking). Penetapan remunerasi didasarkan pada indikator pencapaian Remuneration determination is based on the Bank's performance
kinerja Bank yang mencakup hasil kinerja keuangan, tingkat achievement indicators which include financial performance
Untuk memastikan bahwa kebijakan remunerasi yang diterapkan To ensure that the implemented remuneration policy reflects kesehatan Bank dan profil Risiko utama Bank yang tercermin results, the Bank's health level and the Bank's main Risk profile as
telah mencerminkan praktik terbaik dan sejalan dengan best practices and aligns with regulatory provisions, the Bank dari tingkat Non-Performing Loans (NPL) dibandingkan dengan reflected in the level of Non-Performing Loans (NPL) compared
ketentuan dari regulator, Bank telah menyusun pedoman Tata has established the Governance Guidelines for Remuneration, as Rencana Bisnis Bank. to the Bank's Business Plan.
Kelola Pemberian Remunerasi yang telah ditetapkan melalui stipulated in the Board of Directors' Decree No. 016/Kp-HCS/SK/
Surat Keputusan Direksi No. 016/Kp-HCS/SK/HSD/III/2023 HSD/III/2023 dated 30 March 2023 on the Standardization of the Pengukuran kinerja bagi individu menggunakan pendekatan Performance measurement for individuals uses the Balanced
tanggal 30 Maret 2023 tentang Standarisasi Sistem Remunerasi. Remuneration System. Balanced Scorecard dengan pertimbangan bahwa metode Scorecard approach with the consideration that this method
ini dirasa mampu memberikan keselarasan antara strategi is considered capable of providing alignment between the
Proses Penyusunan Kebijakan Remunerasi Remuneration Policy Formulation Process perusahaan dan tugas, fungsi serta tanggung jawab masing - company's strategy and the duties, functions and responsibilities
Bank berkomitmen untuk menyusun program kompensasi yang The Bank is committed to preparing a responsible and effective masing individu. Di samping itu, metode ini mampu memberikan of each individual. In addition, this method is able to provide
bertanggung jawab dan efektif. Komite Remunerasi dan Bank compensation program. The Remuneration Committee and kuantifikasi terhadap capaian kinerja utama (Key Performance quantification of the main performance achievements (Key
senantiasa terus mengevaluasi program kompensasi perusahaan the Bank continuously evaluate the Company's compensation Indicator). Performance Indicators).
dengan maksud untuk menyeimbangkan tujuan utama sebagai program with the aim of balancing the following main
berikut: objectives: Melalui pemberian skala pencapaian Key Performance Indicator By providing a scale of Key Performance Indicator (KPI)
• Dapat memotivasi pencapaian sasaran kinerja yang telah • Motivating the achievement of predetermined (KPI), selanjutnya Bank dapat menetapkan pemberian kebijakan achievement, the Bank can then determine the provision of
ditetapkan; performance targets; remunerasi yang bersifat variabel baik bagi Direksi ataupun variable remuneration policies for both Directors and Employees
• Selaras dengan kepentingan pemegang saham; • Aligning with the interests of Shareholders; Karyawan dengan prinsip, semakin tinggi nilai capaian KPI nya, with the principle that the higher the KPI achievement value, the
• Menggunakan Prinsip Tata Kelola yang baik; • Using Good Governance Principles; maka yang bersangkutan juga berhak atas remunerasi yang lebih person concerned is also entitled to better remuneration.
• Mendorong terciptanya manajemen risiko yang baik; • Encouraging the creation of good risk management; baik.
• Mendorong stabilitas keuangan Bank; dan • Encouraging the Bank's financial stability; and
• Kepatuhan terhadap regulasi yang ada. • Compliance with existing regulations. Bank telah menetapkan pejabat yang dikategorikan sebagai The Bank has determined officials who are categorized as
Material Risk Taker yang selanjutnya disingkat menjadi “MRT” Material Risk Takers which are hereinafter abbreviated as "MRT"
Selama tahun 2024, Komite Remunerasi dan Nominasi telah During 2024, the Remuneration and Nomination Committee has adalah sebagai berikut: as follows:
melakukan kaji ulang atas beberapa kebijakan remunerasi yang reviewed several remuneration policies implemented by the
dilaksanakan oleh Bank, diantaranya: Bank, including: 1. Seluruh Direksi; 1. All Directors;
1. Evaluasi remunerasi Dewan Komisaris dan Direksi serta 1. Evaluation of the remuneration of the Board of 2. Pejabat Eksekutif yang membawahi fungsi kredit, Treasury 2. Executive Officers who oversee the credit, Treasury and
karyawan; Commissioners and Directors and employees; dan Pemimpin Cabang/Pemimpin Cabang Pembantu. Branch Manager/Assistant Branch Manager functions.
2. Penunjukan dan pengangkatan anggota Komite Remunerasi 2. Appointment and appointment of new members of the
dan Nominasi baru; Remuneration and Nomination Committee; Penyesuaian Remunerasi Dikaitkan dengan Kinerja dan Risiko Adjustment of Remuneration Associated with Performance
3. Perubahan Kebijakan Honorarium Anggota Komite hanya 3. Changes to the Honorarium Policy for Committee Members dan Kebijakan Penangguhan Sebagian Remunerasi yang and Risk and the Suspension Policy of Variable Remuneration
untuk non Komisaris dan non karyawan; only for non-Commissioners and non-employees; Bersifat Variabel (Malus) (Malus)
4. Penetapan Gaji bagi karyawan TKA. 4. Determination of Salaries for Expatriate Employees. Untuk memastikan bahwa pemberian remunerasi variabel To ensure that the granting of remuneration is associated with
dikaitkan dengan risiko, Bank telah menetapkan kebijakan risk, the Bank adopted a policy of deferring partial remuneration
Pemberian Remunerasi bagi karyawan Bank didasarkan pada Remuneration for Bank employees is based on individual menangguhkan sebagian remunerasi yang bersifat variabel of a variable nature as follows:
pencapaian kinerja individu sesuai tugas dan tanggung jawab performance achievements according to their main duties and sebagai berikut:
utamanya, bukan berdasarkan kinerja keuangan Bank. responsibilities, not based on the Bank's financial performance.
1. Apabila besar remunerasi variabel pihak yang menjadi MRT 1. If the amount of variable remuneration received by the
Cakupan Kebijakan Remunerasi dan Implementasinya Scope of Remuneration Policy and Its Implementation selama 1 tahun yang diterima melebihi jumlah setengah dari MRT party for 1 year exceeds half of the fixed remuneration
Kebijakan remunerasi yang telah ditetapkan oleh Bank, berlaku The remuneration policy that has been set by the Bank applies remunerasi tetap yang diterima selama 1 tahun. received for 1 year.
untuk semua unit bisnis di bawahnya, termasuk untuk kantor- to all business units under it, including its branch offices in 2. Dalam hal remunerasi variabel yang diterima oleh pejabat 2. In the event that the variable remuneration received by
kantor cabangnya yang berada di Indonesia. Indonesia. yang dikategorikan MRT lebih kecil atau sama dengan an official categorized as MRT is smaller than or equal to
remunerasi tetap yang diterima dalam 1 tahun, maka tidak the fixed remuneration received in 1 year, then no variable
Kaitan Risiko Utama dan Pemberian Remunerasi Relation of Main Risk and Remuneration Provision ada remunerasi variabel yang ditangguhkan. remuneration is suspended.
Komite Remunerasi telah mengidentifikasi Risiko utama yang The Remuneration Committee has identified the main risks 3. Terhadap remunerasi yang bersifat variabel yang 3. For variable remuneration that is suspended:
digunakan untuk menerapkan remunerasi. Dari 8 indikator used to implement remuneration. From 8 indicators of the Risk ditangguhkan:
profil risiko yang dihadapi Bank, maka Risiko Kredit dan profile faced by the Bank, then Credit Risk and Operational Risk • Dalam bentuk tunai, tidak diberikan tambahan atau • In cash form, no additional or reduced nominal money is
Risiko Operasional telah dijadikan indikator utama dalam have been used as the main indicators in measuring the Bank's pengurangan nominal uang termasuk yang disebabkan given including that caused by changes in the time value
pengukuran kinerja Bank. Hal ini disertai pertimbangan performance. This is accompanied by the consideration that the adanya perubahan nilai waktu uang (time value of of money; and/or
bahwa kinerja utama Bank masih mengandalkan penyaluran Bank's main performance still relies on credit distribution and money); dan/atau
kredit dan profil risiko yang menonjol saat ini adalah profil the current prominent Risk profile is the credit and operational • Dalam bentuk saham atau instrumen yang berbasis • In the form of shares or share-based instruments issued
risiko kredit dan operasional. Konsekuensinya, tingkat Non- risk profile. Consequently, the level of Non-Performing Loans saham yang diterbitkan Bank, tidak diberikan tambahan by the Bank, no additional or reduced number of shares
Performing Loans (NPL) dan denda dari regulator yang (NPL) and fines from regulators which are indicators of the risk atau pengurangan jumlah saham atau instrumen or share-based instruments issued by the Bank including
menjadi indikator profil risiko telah dijadikan salah satu profile have been used as one of the parameters to measure the yang berbasis saham yang diterbitkan Bank termasuk that caused by changes in the value of shares or share-
parameter untuk mengukur kinerja Bank dan Karyawan dan performance of the Bank and Employees and are included in yang disebabkan adanya perubahan nilai saham atau based instruments issued by the Bank.
dimasukkan dalam salah satu Key Performance Indicator one of the Key Performance Indicators (KPIs) to assess employee instrumen yang berbasis saham yang diterbitkan Bank.
(KPI) untuk menilai kinerja karyawan. performance. 4. Jangka waktu penangguhan atas remunerasi variabel yang 4. The suspension period for variable remuneration that meets
memenuhi kriteria penangguhan adalah 3 tahun terhitung the suspension criteria is 3 years from when the MRT official
Hasil dari pencapaian kinerja utama (Key Performance The results of achieving the main performance (Key sejak pejabat MRT dimaksud menerima remunerasi variabel. in question receives the variable remuneration.
Indicator) tersebut selanjutnya akan menentukan pemberian Performance Indicator) will then determine the provision of
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Tata Kelola Perusahaan
Good Corporate Governance
Kebijakan Bank Untuk Dapat Menarik Kembali Remunerasi Bank Policies To Be Able To Retract Variable Remuneration Jumlah Anggota Dewan Komisaris dan Direksi yang Menerima Remunerasi dalam 1 Tahun yang Dikelompokkan dalam
Variabel Yang Telah Diberikan (Clawback) (Clawback) Kisaran Tingkat Penghasilan:
Bank menetapkan kebijakan yang memungkinkan Bank untuk The Bank establishes a policy that allows the Bank to reclaim Number of Members of the Board of Commissioners and Directors Who Receive Remuneration in 1 Year Grouped in the
dapat menarik kembali remunerasi yang bersifat variabel yang variable remuneration that has been paid to MRT if: Range of Income Levels:
telah dibayarkan kepada pihak MRT apabila:
Jumlah / Total Remunerasi dalam 1 Tahun 2024 2023
1. Terbukti ditemukan adanya misconduct atau kesengajaan 1. There is evidence of misconduct or deliberate decision- Details of the Amount of Remuneration Given
Jumlah Komisaris Jumlah Direksi Jumlah Komisaris Jumlah Direksi
dalam mengambil keputusan yang menyebabkan: making that causes: in 1 Year
Number of Commissioners Number of Directors Number of Commissioners Number of Directors
• Terjadi koreksi Laporan Keuangan Tahunan yang telah • There is a correction to the audited Annual Financial
diaudit hingga perusahaan mengalami penurunan Report so that the company experiences a decrease in > 2 miliar / 2 billion - - - -
profitabilitas hingga mencapai di atas 25% dari laporan profitability of more than 25% of the financial report
keuangan sebelum koreksian; atau before the correction; or > 1 miliar s/d 2 miliar / 1 billion to 2 billion - 4 - 1
• Peningkatan profil risiko yang signifikan, hingga • A significant increase in the risk profile, up to an increase
mencapai peningkatan sebesar 100% dibanding profil of 100% compared to the previous year's risk profile. > 500 juta s/d 1 miliar / 500 million to 1 billion 3 - - 4
risiko tahun sebelumnya.
2. Proses pemberian bonus tidak sesuai dengan ketentuan 2. The bonus granting process is not in accordance with < 500 juta / 500 million - - 3 -
yang berlaku. applicable provisions.
Informasi Kuantitatif bagi Pihak Yang Masuk Dalam Kategori Material Risk Takers (MRT)
Jumlah/Total Karyawan yang terkena pemutusan hubungan kerja Number/Total Employees affected by termination due to Quantitative Information for Parties Included in the Material Risk Takers (MRT) Category
dikarenakan pensiun dan total nominal pesangon yang adalah retirement and the total severance amount are as follows:
sebagai berikut:
Total Pengurangan Selama Periode Laporan /
Total Deductions During the Reporting Period
Total Pengurangan Selama Periode Laporan / Total Sisa Yang Masih Ditangguhkan /
Jumlah Pegawai yang Terkena Pemutusan Hubungan Dikarenakan Pensiun dan Total Nominal Pesangon yang Dibayarkan Deductions During the Reporting Period Deferred Remains Disebabkan Penyesuaian Eksplisit Disebabkan Penyesuaian Implisit
Total (A)+(B) /
The Total Number of Employees Affected by Termination Due to Retirement and The Total Severance Payment Made (A) / (B) /
Total (A)+(B)
Due to Implicit Adjustment (A) Due to Implicit Adjustment (B)
Jumlah / Total Karyawan Tunai (dalam juta rupiah) / Cash (in million Rupiah) - - - -
Jumlah / Total Nominal Pesangon yang Dibayarkan dalam 1 Tahun Number of Employees
Severance Nominal Amount Paid in 1 Year Saham/Instrumen yang berbasis saham yang
2024 2023 diterbitkan Bank (dalam lembar saham dan nominal
juta rupiah yang merupakan konversi dari lembar
Di atas Rp1 miliar / Above Rp 1 Billion 1 - saham tersebut) - - - -
Di atas Rp500 juta s/d Rp1 miliar / Above Rp500 million to Rp1 billion 1 1 Shares/share-based instruments issued by the Bank
(in shares and a nominal value of million Rupiah
Rp500 juta ke bawah / Below Rp500 million 9 8 which is a conversion of the related shares)
Jumlah Direksi, Dewan Komisaris dan Pegawai yang menerima Number of Directors, Commissioners, and Employees Who Frekuensi Rapat Komite Remunerasi dan Nominasi Frequency of Remuneration and Nomination Committee Meetings
Remunerasi yang Bersifat Variabel Selama 1 tahun Received Variable Remuneration in 1 Year Rapat Komite Remunerasi dan Nominasi dilaksanakan secara The Remuneration and Nomination Committee meetings were
Selama tahun 2024, tidak ada Direksi, Komisaris dan Pegawai During 2024, there were no Directors, Commissioners and berkala sebagaimana telah diatur dalam Keputusan Direksi No. held periodically as regulated in the Board of Directors Decree
yang menerima remunerasi yang bersifat variabel. Employees who received variable remuneration. 088/KP-HCS/INT/SK/HSD/IX/2024 tanggal 27 September 2024 No. 088/KP-HCS/INT/SK/HSD/IX/2024 dated 27 September 2024
tentang Komite Remunerasi dan Nominasi PT Bank of India regarding the Remuneration and Nomination Committee of PT
Jumlah Total Remunerasi yang Bersifat Variabel yang Total Amount of Deferred Variable Remuneration
Ditangguhkan Indonesia Tbk. Bank of India Indonesia Tbk.
Selama tahun 2024, tidak ada remunerasi yang bersifat variabel During 2024, there were no deferred variable remuneration.
yang ditangguhkan. Pelaksanaan Rapat Komite Remunerasi dan Nominasi Implementation of Remuneration and Nomination Committee
Meetings
Jumlah Total Remunerasi yang Bersifat Variabel yang Total Deferred Variable Remuneration Paid for 1 Year Selama tahun 2024, Komite Remunerasi dan Nominasi telah During 2024, the Remuneration and Nomination Committee
Ditangguhkan yang Dibayarkan Selama 1 Tahun melaksanakan rapat sebanyak 6 kali yaitu dengan tingkat held 6 meetings with the following attendance levels:
Selama tahun 2024, tidak ada remunerasi yang bersifat variabel During 2024, no deferred variable remuneration was paid. kehadiran sebagai berikut:
yang ditangguhkan yang dibayarkan. Total Rapat Kehadiran Persentase (%)
(Dalam jutaan Rupiah / In million Rupiah) Nama / Name Jabatan / Position Total Meeting Attendance Percentage (%)
Ketua
Rincian Jumlah Remunerasi yang Diberikan dalam 1 tahun Handadjaja Sulaiman 7 7 100,00
Chairman
2024 2023
Details of the Amount of Remuneration Given in 1 year
Anggota
Sudhiranjan Padhi 7 7 100,00
A. Remunerasi yang Bersifat Tetap / A. Permanent Remuneration Member
Anggota
Hary Suryawan Dwiputra*) 5 5 100,00
1. Tunai / Cash 54.456 48.132 Member
Anggota
Dwi Anita Kurniasih **) 2 2 100,00
Member
2. Saham / instrumen yang berbasis saham yang diterbitkan Bank - -
Stock-based shares/instruments issued by the Bank *) Menjabat sebagai anggota Komite Remunerasi dan Nominasi hingga September 2024.
*) Served as a member of the Remuneration and Nomination Committee until September 2024.
**) Menjabat sebagai anggota Komite Remunerasi dan Nominasi sejak 1 Oktober 2024.
B. Remunerasi yang Bersifat Variabel / B. Permanent Remuneration **) Served as a member of the Remuneration and Nomination Committee since October 1, 2024.
Pendidikan atau Pelatihan Pemantau Komite Remunerasi dan Education or Training of Remuneration and Nomination
1. Tunai / Cash - -
Nominasi Committee Monitors
Selama tahun buku 2024, anggota Pemantau Komite Remunerasi During the 2024 financial year, members of the Remuneration
2. Saham / instrumen yang berbasis saham yang diterbitkan Bank - - dan Nominasi telah mengikuti pendidikan dan/atau pelatihan and Nomination Committee Monitors have attended education
Stock-based shares/instruments issued by the Bank
terkait dengan tugas dan tanggung jawab sebagai Pemantau and/or training related to their duties and responsibilities as
Komite Remunerasi dan Nominasi. Remuneration and Nomination Committee Monitors.
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Tata Kelola Perusahaan
Good Corporate Governance
Program Kerja Komite dan Realisasi Program Kerja Komite
Remunerasi dan Nominasi Selama Tahun 2024
Committee Work Program and Realization of the Remuneration
and Nomination Committee Work Program During 2024
DIREKSI
BOARD OF DIRECTORS
Selama tahun buku 2024 Komite Remunerasi dan Nominasi During the 2024 financial year, the Remuneration and Nomination
melaksanakan agenda atau kegiatan sebagai berikut: Committee carried out the following agendas or activities:
1. Penetapan Remunerasi (gaji) Direktur Utama, Direktur 1. Determination of remuneration (salary) for the President Direksi adalah organ Bank yang berwenang dan bertanggung The Board of Directors is the body of the Bank that is authorized
Operasional, Direktur Kepatuhan, Direktur Keuangan, Director, Operations Director, Compliance Director, Finance jawab penuh atas pengurusan Bank untuk kepentingan Bank, and fully responsible for the management of the Bank for
Komisaris dan Komisaris Independen PT Bank of India Director, Commissioners and Independent Commissioners sesuai dengan maksud dan tujuan Bank, serta mewakili the benefit of the Bank, in accordance with the purposes and
Indonesia Tbk. of PT Bank of India Indonesia Tbk. Bank baik di dalam maupun luar pengadilan sesuai dengan objectives of the Bank and represents the Bank both inside and
2. Pengangkatan Direktur Keuangan. 2. Appointment of the Finance Director. ketentuan Anggaran Dasar dan peraturan perundang-undangan outside the court in accordance with the Articles of Association
3. Pengangkatan anggota Komite Remunerasi dan Nominasi 3. Appointment of members of the Remuneration and yang berlaku. Direksi bertanggung jawab penuh terhadap and prevailing laws and regulations. The Board of Directors is fully
PT Bank of India Indonesia Tbk (ex-officio). Nomination Committee of PT Bank of India Indonesia Tbk pelaksanaan tugasnya kepada Pemegang Saham melalui Rapat responsible for the execution of its duties to the Shareholders
(ex-officio). Umum Pemegang Saham (RUPS). through the General Meeting of Shareholders (GMS).
4. Perubahan kebijakan Honorarium Anggota Komite hanya 4. Amendment to the Honorarium Policy for Committee
untuk non Komisaris dan non Karyawan. Members, applicable only to non-Commissioners and non- Masing-masing anggota Direksi melaksanakan tugas dan Each member of the Board of Directors carries out duties and
Employees. mengambil keputusan sesuai dengan pembagian tugas dan makes decisions in accordance with the division of duties and
5. Ketentuan Pelaksanaan Rapat Komite. 5. Provisions for the Implementation of Committee Meetings. wewenang. Tugas, wewenang dan hal-hal lain yang terkait authority. Duties, authorities and other matters related to the
6. Perubahan susunan anggota Komite Audit, Komite 6. Changes in the composition of the Audit Committee, Risk dengan Direksi sesuai dengan Anggaran Dasar, Piagam Direksi Board of Directors in accordance with the Articles of Association,
Pemantau Risiko dan Komite Remunerasi dan Nominasi. Monitoring Committee and Remuneration and Nomination dan peraturan perundang-undangan yang berlaku. Board of Directors Charter and applicable laws and regulations.
Committee.
7. Pengangkatan Komisaris Independen dan Penetapan 7. Appointment of an Independent Commissioner and Jumlah, Komposisi, Kriteria, serta Independensi Anggota Amount, Composition, Criteria and Independence of the
Remunerasi (gaji) Komisaris Independen. Determination of remuneration (salary) for the Independent Direksi Members of the Board of Directors
Commissioner. Berdasarkan hasil Rapat Umum Pemegang Saham Luar Biasa Based on the results of the Extraordinary General Meeting
(RUPSLB) yang dilaksanakan pada tanggal 27 Desember 2024, of Shareholders (EGMS) held on December 27, 2024, the
komposisi Direksi Bank per 31 Desember 2024 berjumlah 5 composition of the Bank's Board of Directors as of December 31,
Rasio Gaji Tertinggi dan Terendah Highest and Lowest Salary Ratio
Salary is an employee's right, received and expressed in orang dengan komposisi sebagai berikut: 2024, consists of 5 members with the following composition:
Gaji adalah hak karyawan yang diterima dan dinyatakan dalam
bentuk uang sebagai imbalan dari Bank kepada karyawan yang monetary form, as compensation from the Bank to the employee,
ditetapkan dan dibayarkan menurut suatu perjanjian kerja, determined and paid according to an employment agreement, Direktur Utama : Jayaprakash Bharathan President Director : Jayaprakash Bharathan
kesepakatan, atau peraturan perundang-undangan, termasuk mutual agreement, or statutory regulations. This includes Direktur Operasional : Carolina Dina Rusdiana Operation Director : Carolina Dina Rusdiana
tunjangan bagi karyawan dan keluarganya atas suatu pekerjaan benefits for employees and their families for work performed Direktur Kepatuhan : Dennis Kusuma Halim Compliance Director : Dennis Kusuma Halim
dan/atau jasa yang telah dilakukannya. Berikut ini disajikan rasio and/or services rendered. Below is the ratio of the lowest Direktur Bisnis : Chandra Sekhar Mukherjee Business Director : Chandra Sekhar Mukherjee
gaji terendah dan tertinggi karyawan, Direksi dan anggota Dewan and highest salaries of employees, the Board of Directors and Direktur Keuangan : Rahmat Hendratama*) Finance Director : Rahmat Hendratama*)
Komisaris per bulan dalam skala perbandingan sebagai berikut: members of the Board of Commissioners per month, presented
in the following comparison scale: *) Efektif menjabat sebagai Direktur Keuangan pada tanggal 17 Maret *) Effective as Finance Director as of March 17, 2025, pursuant to OJK
2025 sesuai surat keputusan OJK No. KEPR-4/PB.02/2025. Decree No. KEPR-4/PB.02/2025.
Rasio / Ratio (%)
Jenis Rasio / Type of Ratio Seluruh anggota Direksi berdomisili di Indonesia dan mayoritas All members of the Board of Directors reside in Indonesia and the
2024 2023
anggota Direksi telah berpengalaman di bidang operasional majority of members of the Board of Directors have experience
Rasio Gaji Pegawai Tertinggi dan Terendah
10,28 11,10 sebagai Pejabat Eksekutif atau Pejabat Bank di dalam dan luar in the field of operations as Executive Officers or Bank Officers
Highest and Lowest Employee Salary Ratio
Indonesia dengan masa tugas di atas 5 tahun. in and outside Indonesia with a period of service above 5 years.
Rasio Gaji Direksi Tertinggi dan Terendah
1,49 1,63
Highest and Lowest Directors Salary Ratio
Rasio Gaji Komisaris Tertinggi dan Terendah Seluruh anggota Direksi tidak merangkap jabatan sebagai All members of the Board of Directors do not hold concurrent
1,04 1,00
Highest and Lowest Commissioners Salary Ratio
anggota Dewan Komisaris, Direksi atau Pejabat Eksekutif pada positions as members of the Board of Commissioners, Board
Rasio Gaji Direksi dan Pegawai Tertinggi
Highest Directors Salary to Highest Employee Salary Ratio
1,69 1,69 Bank, perusahaan atau lembaga lainnya dan tidak saling memiliki of Directors or Executive Officers at other Banks, companies or
hubungan keluarga sampai dengan derajat kedua dengan sesama institutions and do not have any familial relationship up to the
anggota Direksi atau anggota Dewan Komisaris dan Direksi second degree with fellow members of the Board of Directors
Remunerasi dan Fasilitas yang diterima Dewan Komisaris dan Remuneration and Facilities received by the Board of telah lulus Penilaian Kemampuan dan Kepatutan (PKK) Otoritas or members of the Board of Commissioners and members of the
Direksi Commissioners and Directors Jasa Keuangan (OJK). Kecuali Direktur Keuangan yang masih Board of Directors have passed the Fit and Proper Assessment
Sebagai suatu Bank yang menjunjung tinggi nilai profesionalisme, As a Bank that upholds the value of professionalism, as a form menunggu proses Penilaian Kemampuan dan Kepatutan (PKK) (PKK) of the Financial Services Authority (OJK). Except for the
maka sebagai wujud penghargaan terhadap tenaga dan of appreciation for the energy and time that has been given by yang diangkat berdasarkan RUPSLB tanggal 27 Desember 2024. Finance Director who is still awaiting the Fit and Proper Test
waktu yang telah diberikan oleh Komisaris dan Direksi untuk the Commissioners and Board of Directors to carry out their
(FPT) process, appointed based on the Extraordinary General
melaksanakan tugas dan tanggungjawabnya sesuai dengan yang duties and responsibilities in accordance with those outlined
Meeting of Shareholders (EGMS) on December 27, 2024.
telah diatur dalam anggaran dasar. Bank telah memberikan in the articles of association. The Bank provided compensation
kompensasi berupa remunerasi dan fasilitas lainnya dalam in the form of remuneration and other in-cash benefits to the Direktur Keuangan berasal dari pihak yang independen terhadap The Finance Director is independent of the Controlling
bentuk non natura selama tahun 2024 sebesar Rp2.142 juta Board of Commissioners amounting to Rp2,142 million in 2024. Pemegang Saham Pengendali dan pengangkatan Direksi telah Shareholder and the appointment of the Board of Directors has
kepada Dewan Komisaris, serta dalam bentuk non natura dan Additionally, the Bank provided both in cash and in-kind benefits memperhatikan rekomendasi dari Komite Remunerasi dan taken into account recommendations from the Remuneration
natura selama tahun 2024 dengan total sebesar Rp7.867 juta to the Board of Directors, totaling Rp7,867 million in 2024. Nominasi serta telah mendapat persetujuan pada Rapat Umum and Nomination Committee and has been approved at the
kepada Direksi. Rincian selengkapnya dapat dilihat pada halaman Further details can be found on pages 139 and 162. Pemegang Saham (RUPS). General Meeting of Shareholders (GMS).
139 dan 162.
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Tata Kelola Perusahaan
Good Corporate Governance
Tugas dan Tanggung Jawab Direksi Board of Directors Duties and Responsibilities penjaminan harta perusahaan atau tindakan-tindakan other actions in accordance with the authority stated in the
Direksi melaksanakan tugas dan tanggung jawab sesuai dengan The Board of Directors carries out their duties and responsibilities lainnya sesuai dengan wewenang yang tercantum dalam Bank's Articles of Association;
kewenangan yang diatur dalam Anggaran Dasar Bank dan in accordance with the authority stipulated in the Bank's Articles Anggaran Dasar Bank;
peraturan perundang-undangan yang berlaku serta bertanggung of Association and prevailing laws and regulations as well as 8. Membawa misi pengenalan perusahaan kepada umum 8. Promote the company to the public by performing public
jawab sepenuhnya dalam melaksanakan pengurusan Bank untuk being fully responsible for carrying out the Bank's management dengan melakukan fungsi humas atau public relation; relations functions;
kepentingan Bank dalam mencapai maksud dan tujuannya, on behalf of the Bank in achieving its purposes and objectives, 9. Membina hubungan yang baik dengan para pejabat dan 9. Fostering good relations with officials and related
menjalankan prinsip tata kelola yang baik dalam setiap kegiatan implementing the principles of good governance in every instansi terkait (ekstern) untuk terciptanya hubungan agencies (external) to create a harmonious consultative
usaha Bank pada seluruh tingkatan atau jenjang organisasi. business activity of the Bank at every level in the organization. konsultatif yang harmonis; relationship;
Dalam melaksanakan prinsip tata kelola yang baik Direksi telah In implementing the principles of good governance, the Board 10. Melibatkan diri dalam keanggotaan ataupun kepengurusan 10. Engage in membership or management of Perbanas Pusat
membentuk Satuan Kerja Audit Intern, Satuan Kerja Manajemen of Directors has established an Internal Audit Work Unit, Perbanas Pusat atau organisasi atau asosiasi Perbankan or Banking organizations or associations at the national
Risiko dan Satuan Kerja Kepatuhan yang bekerja secara efektif Risk Management Work Unit and Compliance Work Unit that pada tingkat nasional; level;
membantu Direksi dalam melaksanakan pengawasan dan work effectively to assist the Board of Directors in carrying 11. Melaksanakan tugas-tugas lain yang diatur oleh Anggaran 11. Carry out other tasks regulated by the Articles of Association
pengendalian terhadap kegiatan usaha Bank. out supervision and control of the Bank's business activities. Dasar dan peraturan perundang-undangan yang berlaku and applicable laws and regulations as long as they are within
sepanjang masih dalam ruang lingkup tugas dan fungsi the scope of duties and functions of the President Director.
Direksi juga mengungkapkan kebijakan Bank yang bersifat The Board of Directors also discloses the Bank's strategic personnel Direktur Utama.
strategis di bidang kepegawaian kepada pegawai, menyediakan policies to the employees, provides accurate, relevant and
data dan informasi yang akurat, relevan dan tepat waktu punctual data as well as information to the Board of Commissioners Direktur Bisnis Business Director
kepada Dewan Komisaris serta menindaklanjuti temuan audit and follows up on audit findings and recommendations 1. Merancang dan menetapkan kebijaksanaan yang 1. Design and establish policies regarding credit and follow-up
dan rekomendasi dari satuan kerja audit intern Bank, auditor from the Bank's internal audit unit, external auditors, Bank menyangkut bidang perkreditan serta melakukan tindak on the implementation of credit policy coordination that
eksternal, hasil pengawasan Bank Indonesia dan/atau hasil Indonesia's supervisory results and/or the supervisory results lanjut atas koordinasi pelaksanaan dari kebijaksanaan has been implemented;
pengawasan otoritas lain dan menindaklanjuti saran dari Dewan of other authorities and follows up on suggestions from the kredit yang telah dilaksanakan;
Komisaris serta memastikan pelaksanaan kegiatan usaha Bank Board of Commissioners and ensures that the Bank's business 2. Merancang dan menetapkan terciptanya sistem dan 2. Design and establish effective credit systems and
telah sesuai dengan peraturan Otoritas Jasa Keuangan, peraturan activities are in accordance with the regulations of the Financial prosedur kredit, monitoring kredit serta administrasi kredit procedures, credit monitoring and credit administration;
Bank Indonesia dan ketentuan/peraturan perundang-undangan Services Authority, Bank Indonesia's regulations and applicable yang efektif;
yang berlaku dalam rangka pelaksanaan prinsip kehati-hatian. laws/regulations in carrying out the prudential principles. 3. Melaksanakan persetujuan pemberian kredit sesuai dengan 3. Carry out credit approval based on the credit authority;
otoritas kredit yang dimiliki;
Direksi membentuk Komite-Komite yang membantu Direksi The Board of Directors has established committees to assist 4. Menyusun garis-garis kebijaksanaan perkreditan yang jelas 4. Develop clear guidelines of credit policy in the form of:
dalam melaksanakan tugasnya seperti Komite Manajemen Risiko, in carrying out its duties, including the Risk Management berupa:
Komite Kebijakan Perkreditan, Komite Kredit, Komite Pengarah Committee, Credit Policy Committee, Credit Committee, a. Target Pasar; a. Target Market;
Teknologi Informasi, Komite Manajemen Dana (ALCO), Komite Information Technology Steering Committee, Asset and Liability b. Manajemen Akun; b. Account Management;
Human Capital, Komite Anti-Fraud dan Komite Pengadaan Management Committee (ALCO), Human Capital Committee, c. Permohonan/Rencana Akun; c. Account Request/Plan;
Barang dan Jasa (Procurement) Bank. Anti-Fraud Committee and Bank Procurement Committee. d. Pemantauan Aset Risiko; d. Risk Asset Monitoring;
e. Analisis Lingkungan Pasar. e. Market Environment Analysis.
Direktur Utama President Director 5. Merancang, menetapkan serta menentukan system 5. Design, establish and determine credit monitoring and
1. Melakukan seluruh tugas dan tanggung jawab yang 1. Perform all duties and responsibilities assigned by the monitoring kredit dan penyelesaian kredit sesuai dengan credit settlement systems in accordance with applicable
dibebankan oleh Pemegang Saham dari suatu periode ke Shareholders from one period to another, including the ketentuan yang berlaku; regulations;
periode lainnya, termasuk di dalamnya penetapan strategi establishment of the Bank's strategy; 6. Menyusun strategi penyelesaian kredit bermasalah 6. Develop strategies for the settlement of non-performing
Bank; termasuk pertimbangan dalam negosiasi jumlah loans, including consideration in negotiating settlement
2. Bertanggung jawab terhadap pencapaian strategi, 2. Responsible for the achievement of the Bank's strategy, work penyelesaian dengan debitur, usulan proses yuridis dan amounts with debtors, proposing juridical processes and
rencana kerja dan anggaran Bank yang telah disetujui oleh plan and budget approved by the Board of Commissioners; penyusunan restrukturisasi kredit sesuai kemampuan preparing credit restructurings according to customer
Komisaris; nasabah; capabilities;
3. Mengkoordinir dan memonitor pelaksanaan tugas dan 3. Coordinate and monitor the implementation of the duties 7. Memonitor tingkat kolektibilitas kredit dan usaha 7. Monitor the level of credit collectability and efforts to
pekerjaan Wakil Direktur Utama dan Direktur Kepatuhan and work of the Deputy President Director, Compliance penyelesaian kredit bermasalah pada masing-masing resolve non-performing loans at each Branch Office/Sub-
serta Direktur Operasional sesuai bidang tugas masing- Director and Operations Director in accordance with their Kantor Cabang/Cabang Pembantu; Branch Office;
masing; respective fields of work; 8. Mempertimbangkan dan mengusulkan penghapusan baik 8. Consider and propose the write-off of either part or all
4. Memonitor, mengarahkan dan memastikan bahwa fungsi 4. Monitor, instruct and ensure that the functions and sebagian atau seluruh pokok pinjaman sesuai dengan of the loan principal in accordance with the intensity of
dan kegiatan pengawasan dan pengendalian internal telah activities of internal supervision and control are carried out intensitas usaha penagihan yang telah dilakukan dan tingkat collection efforts that have been made and the level of loss;
dilaksanakan sesuai dengan sistem, prosedur dan ketentuan in accordance with the applicable systems, procedures and kerugian;
yang berlaku; regulations; 9. Bertanggung jawab atas keseimbangan likuiditas baik 9. Responsible for the balance of liquidity both in rupiah and
5. Memonitor bahwa kegiatan operasional maupun non 5. Monitor operational and non-operational activities in rupiah maupun valuta asing sehubungan dengan kegiatan foreign currencies in relation with money market activities
operasional pada seluruh unit kerja telah dijalankan sesuai all work units have been carried out in accordance with money market atau aktivitas hubungan Bank koresponden; or correspondent Bank relationship activities;
dengan strategi, kebijakan dan prosedur yang berlaku; applicable strategies, policies and procedures; 10. Membina hubungan baik dengan kalangan masyarakat 10. Foster good relations with the Banking community both
6. Menandatangani seluruh surat-surat berharga, data/ 6. Signing all securities, important company data/documents, Perbankan baik di dalam maupun di luar negeri terutama inside and outside the country, especially Bank Indonesia,
dokumen penting perusahaan, surat-surat keputusan Board of Directors' decisions, reports to relevant agencies, Bank Indonesia, Bank koresponden dan instansi atau correspondent Banks and related agencies or officials;
Direksi, laporan kepada instansi terkait, penunjukkan kuasa proxy appointments and other reports/data/documents in pejabat terkait;
dan surat laporan/data/ dokumen lainnya sesuai dengan accordance with applicable regulations; 11. Menyusun garis-garis kebijaksanaan dalam masalah 11. Formulate guidelines in funding issues, either in rupiah or
ketentuan yang berlaku; pendanaan baik dalam rupiah maupun valuta asing dalam foreign currency in order to:
7. Bersama-sama dengan pejabat yang ditunjuk sesuai dengan 7. Together with the appointed officials in accordance with rangka:
ketentuan yang berlaku, melakukan kegiatan peminjaman applicable regulations, conduct lending and utilization of a. Pendanaan yang efektif dan murah; a. Effective and cheap funding;
dana dan penggunaan dana, penempatan dana serta funds, fund placement and guarantee of company assets or b. Keseimbangan likuiditas; b. Liquidity balance;
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c. Profitabilitas; c. Profitability; deviasi ekspansi usaha yang signifikan dibandingkan dengan deviations compared to the Bank's Business Plan or taking
d. Pricing produk dan jasa Bank; d. Pricing of Bank products and services; Rencana Bisnis Bank atau pengambilan posisi eksposur risk exposure that exceeds the established limits;
e. Gapping. e. Gapping. risiko yang melampaui limit yang ditetapkan;
12. Bertanggung jawab dan mengoordinir pengelolaan serta 12. Responsible and coordinate the management as well as the 12. Melaksanakan tugas-tugas lainnya yang diberikan oleh 12. Carry out other tasks assigned by the President
pengaturan pemberian dan permohonan credit line (money arrangement of granting and requesting credit line (money Direktur Utama dan yang diatur oleh Anggaran Dasar Director and those regulated by the Articles of
market) secara timbal balik dengan Bank koresponden; market) reciprocally with correspondent Banks; sepanjang masih dalam ruang lingkup tugas dan fungsi Association as long as they are within the scope of
13. Mengkoordinir, mengarahkan, membina dan mengawasi 13. Coordinating, directing, fostering and supervising all foreign Direktur Kepatuhan. duties and functions of the Compliance Director.
segala kegiatan transaksi devisa dari Kantor Cabang/KPO exchange transaction activities of the Branch Office/KPO
yang meliputi kegiatan ekspor atau impor serta transaksi which include export or import activities as well as overall Direktur Operasional Operation Director
devisa secara keseluruhan yang meliputi transfer, inkaso, foreign exchange transactions which include transfers, 1. Merancang, menetapkan serta mengevaluasi sistem 1. Design, establish and evaluate the accounting system and
Bank draft/wesel, perdagangan valuta asing dan sebagainya; incaso, Bank draft/wesel, foreign exchange trading and akuntansi dan Management Information System (MIS) Management Information System (MIS) in order to create
others; dalam upaya menciptakan pelaksanaan manajemen effective Bank management implementation, reporting
14. Bertanggung jawab atas penyusunan rencana kerja dan 14. Responsible for preparing the work plan and budget of the Bank yang efektif, reporting financial system untuk financial system to fulfill external and internal reporting
anggaran dari Divisi/Unit Kerja yang di bawahinya dan Division/Work Unit and evaluating the realization of the memenuhi pelaporan pihak ekstern dan intern dan and business and product development plans based on
evaluasi realisasi atas anggaran/rencana kerja tersebut; budget/work plan; rencana pengembangan usaha dan produk Bank dengan feasibility study and cost and benefit analysis;
15. Melaksanakan tugas-tugas lainnya yang diberikan oleh 15. Carry out other duties assigned by the President Director mendasarkan pada feasibility study serta cost dan benefit
Direktur Utama yang diatur oleh anggaran dasar sepanjang as regulated by the articles of association as long as they analysis;
masih dalam ruang lingkup tugas dan fungsi Direktur Bisnis; are within the scope of duties and functions of the Business 2. Bertanggung jawab terhadap pengembangan Teknologi 2. Responsible for the development of Technology and
Director. dan Informasi dalam mendukung kegiatan operasional Information in supporting Banking operations;
Perbankan;
Direktur Kepatuhan Compliance Director 3. Bertanggung jawab atas penyusunan garis-garis 3. Responsible for drafting company policy lines in
1. Merumuskan strategi guna mendorong terciptanya budaya 1. Formulate strategies to encourage a culture of compliance kebijaksanaan perusahaan di bidang administrasi, administration, accounting and coordinating branch
kepatuhan di lingkungan Bank; within the Bank; akuntansi dan koordinator operasi cabang, memonitor dan operations, monitoring and evaluating operational cost
2. Menetapkan langkah-langkah yang diperlukan untuk 2. Establishing the necessary steps to ensure that the Bank has mengevaluasi laporan pengendalian biaya operasional, control reports, changes and developments in work unit
memastikan Bank telah memenuhi seluruh peraturan Bank complied with all regulations issued by the Bank Indonesia perubahan dan perkembangan pendapatan unit kerja dan income and or branches related to operational costs;
Indonesia dan peraturan perundang-undangan lain yang and other applicable laws and regulations in the context of atau cabang yang terkait dengan biaya operasional;
berlaku dalam rangka pelaksanaan prinsip kehati-hatian; the implementation of the prudential principle; 4. Menyusun garis kebijakan mengenai wewenang limit 4. Developing policy guidelines regarding branch limit
3. Memantau dan menjaga agar kegiatan usaha Bank tidak 3. Monitor and maintain so that the Bank's business activities cabang dalam pengeluaran biaya operasionaI di lingkungan authorization in spending operating expenses within the
menyimpang dari ketentuan yang berlaku; do not deviate from the applicable regulations; Kantor Cabang; Branch Office;
4. Memantau dan menjaga kepatuhan Bank terhadap seluruh 4. Monitor and maintain the Bank's compliance with all 5. Memantau dan mengevaluasi laporan pengendaIian biaya 5. Monitor and evaluate operational cost control reports,
perjanjian dan komitmen yang dibuat oleh Bank kepada agreements and commitments made by the Bank to Bank operasional, perubahan dan perkembangan pendapatan changes and developments in work unit/branch income
Bank Indonesia; Indonesia; unit kerja/cabang yang terkait dengan biaya operasional; related to operational costs;
5. Mencegah agar Direksi Bank tidak menempuh kebijakan 5. Preventing the Bank's Board of Directors from adopting 6. Mengevaluasi dan memantau keberhasilan operasional 6. Evaluate and monitor the success of Branch Office
dan/atau menetapkan keputusan yang menyimpang dari policies and/or making decisions that deviate from Bank Kantor Cabang; operations;
peraturan Bank Indonesia dan peraturan perundang- Indonesia regulations and other applicable laws and 7. Melaksanakan tugas-tugas lainnya yang diberikan oleh 7. Carry out other tasks assigned by the President Director as
undangan lain yang berlaku; regulations; Direktur Utama yang diatur oleh Anggaran Dasar sepanjang regulated by the Articles of Association as long as they are
6. Melakukan evaluasi, analisa, pengembangan dan 6. Evaluating, analyzing, developing and creating systems and masih dalam ruang lingkup tugas dan fungsi Direktur within the scope of duties and functions of the Operations
penciptaan sistem dan prosedur di lingkungan Bank; procedures within the Bank; Operasional. Director.
7. Bertanggung jawab atas tahap pengujian terhadap setiap 7. Responsible for the testing stage of any new or updated
bentuk kebijakan, sistem dan prosedur baru maupun yang policies, systems and procedures by submitting them to the Direktur Keuangan Finance Director
disempurnakan dengan mengajukan kepada Tim untuk Team for discussion; 1. Menyusun dan mengimplementasikan strategi keuangan 1. Develop and implement long-term financial strategies to
didiskusikan; jangka panjang untuk memastikan pertumbuhan yang ensure sustainable growth and financial stability.
8. Memastikan kelengkapan setiap sistem yang dikembangkan 8. Ensure the requirements of each system are developed berkelanjutan dan kestabilan keuangan.
berikut dengan dokumentasi yang baik dan sempurna along with proper and perfect documentation including 2. Merumuskan kebijakan keuangan dan prosedur yang 2. Formulate financial policies and procedures that support
termasuk di dalamnya buku-buku pedoman operasional operational control manuals, audits and others deemed mendukung pencapaian tujuan bisnis perusahaan. the achievement of the company's business objectives.
kontrol, audit dan lain-lain yang dianggap perlu; necessary; 3. Menyusun rencana bisnis strategis bank dan memantau 3. Develop the bank's strategic business plan and monitor the
9. Mengevaluasi Kebijakan Manajemen Risiko serta 9. Evaluate the Risk Management Policy as well as the changes pencapaian kinerja perusahaan. achievement of company performance.
perubahannya termasuk strategi manajemen risiko dan including risk management strategies and contingency 4. Menyusun dan mengelola anggaran tahunan, serta 4. Prepare and manage the annual budget, and monitor
contingency plan apabila kondisi eksternal tidak normal plans in the event of abnormal external conditions; memantau pencapaian dan pengeluaran untuk memastikan achievements and expenditures to ensure efficiency and
terjadi; efisiensi dan akuntabilitas. accountability.
10. Mengevaluasi dan menyempurnakan penerapan 10. Evaluate and improve the implementation of Risk 5. Memastikan laporan keuangan bank disusun dengan akurat 5. Ensure that the bank's financial reports are prepared
Manajemen Risiko yang dilakukan secara berkala Management on a regular or incidental basis as a result of dan tepat waktu sesuai dengan standar akuntansi dan accurately and on time in accordance with applicable
maupun insidentil sebagai akibat dari suatu perubahan changes in the Bank's external and internal conditions that regulasi yang berlaku. accounting standards and regulations.
kondisi eksternal dan internal Bank yang mempengaruhi affect the adequacy of the Bank's capital and risk profile and 6. Mengidentifikasi dan mengelola risiko keuangan yang dapat 6. Identify and manage financial risks that may affect the
kecukupan permodalan dan profil risiko Bank dan hasil the evaluation of the effectiveness of such implementation; memengaruhi stabilitas bank, seperti risiko kredit, pasar, bank's stability, such as credit, market, and liquidity risks.
evaluasi terhadap efektivitas penerapan tersebut; dan likuiditas.
11. Memberikan rekomendasi atas hal-hal yang terkait dengan 11. Provide recommendations on matters related to business 7. Mengembangkan dan mengimplementasikan strategi 7. Develop and implement financial risk mitigation strategies
keputusan-keputusan bisnis yang menyimpang dari decisions that deviate from normal procedures based on mitigasi risiko keuangan yang sesuai dengan profil risiko in line with the bank's risk profile.
prosedur normal berdasarkan analisa profil risiko, misalnya risk profile analysis, such as significant business expansion bank.
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Tata Kelola Perusahaan
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8. Memastikan pengelolaan likuiditas yang optimal untuk 8. Ensure optimal liquidity management to support the bank's
2024 2023
mendukung operasional bank secara berkelanjutan. sustainable operations. Jenis Remunerasi dan Fasilitas
Type of Remuneration and Facilities
9. Mengawasi kebijakan pembiayaan bank, termasuk 9. Oversee the bank's financing policies, including relationships Jumlah Orang Dalam Jutaan Rupiah / tahun Jumlah Orang Dalam Jutaan Rupiah / tahun
Number of People In million Rupiah / annum Number of People In million Rupiah / annum
hubungan dengan investor, lembaga keuangan, dan sumber with investors, financial institutions, and other external
Fasilitas lain dalam bentuk natura (perumahan, transportasi, 4 781 5 789
pembiayaan eksternal lainnya. funding sources. asuransi kesehatan dan sebagainya):
10. Memastikan kepatuhan terhadap seluruh regulasi 10. Ensure compliance with all banking regulations, including Other facilities in natura form (housing, transportation, health
insurance and others) that:
perbankan, termasuk yang ditetapkan oleh OJK dan Bank those set by the Financial Services Authority (OJK) and Bank a. Dapat dimiliki / Can be owned - - - -
b. Tidak dapat dimiliki / Cannot be owned 4 781 5 789
Indonesia. Indonesia.
11. Memimpin dan mengembangkan tim keuangan agar 11. Lead and develop the finance team to ensure that divisional TOTAL 4 7.867 5 7.628
operasional divisi berjalan efektif dan efisien sesuai standar operations run effectively and efficiently in accordance with
yang ditetapkan. established standards.
12. Bekerja sama dengan divisi lain dalam merumuskan 12. Collaborate with other divisions to formulate policies that Frekuensi Rapat Direksi Board of Directors Meeting Frequency
kebijakan yang mendukung pengelolaan keuangan yang support optimal financial management and data-driven Kebijakan Rapat Direksi ditetapkan dalam piagam Direksi tanggal The Board of Directors Meeting Policy was established in the
optimal dan pengambilan keputusan strategis berbasis strategic decision-making. 10 Mei 2023 yang mengatur ketentuan untuk Rapat Direksi Board of Directors Charter dated May 10, 2023, which stipulated
data. yang diadakan minimal 1 kali dalam 1 bulan. Apabila dianggap that the Board of Directors Meetings were to be held at least
13. Memberikan dukungan dalam merencanakan dan 13. Provide support in planning and evaluating strategic perlu oleh Direktur Utama atau oleh seorang atau lebih anggota once a month. If deemed necessary by the President Director
mengevaluasi inisiatif strategis, termasuk ekspansi, akuisisi, initiatives, including expansion, acquisitions, and new Direksi lainnya atau atas permintaan tertulis seorang atau lebih or by one or more members of the Board of Directors, or upon
dan produk baru. product development. anggota Direksi, rapat dapat diadakan lebih dari 1 kali dalam 1 the written request of one or more members of the Board of
bulan. Directors, meetings could be held more than once a month.
Pedoman atau Piagam (Charter) Direksi Board of Directors Charter
Direksi Bank dalam melaksanakan tugas dan tanggungjawabnya The Board of Directors of the Bank, in carrying out its duties Pelaksanaan Rapat Direksi Board of Directors Meeting
mengacu pada Pedoman Direksi yang ditetapkan pada tanggal and responsibilities refers to the Board of Directors Guidelines Sepanjang tahun 2024 Direksi telah melaksanakan rapat dengan Throughout 2024, the Board of Directors held meetings with the
10 Mei 2023 yang mengatur tentang fungsi, susunan, tugas established on May 10, 2023, which regulate the functions, tingkat kehadiran sebagai berikut: following attendance rates:
dan wewenang, pengangkatan dan pengunduran diri, program composition, duties and authorities, appointment and
pengembangan kualitas diri, rapat direksi, transparansi, etika dan resignation, self-development programs, board meetings, Nama / Name Jabatan / Position
Total Rapat Kehadiran Persentase (%)
Total Meeting Attendance Percentage (%)
waktu kerja, kehadiran rapat, penilaian dan pertanggungjawaban transparency, ethics and working hours, meeting attendance,
kinerja, pencegahan benturan kepentingan, masa jabatan, performance evaluation and accountability, conflict of interest Direktur Utama*) 19
President Director*)
dan komite-komite di tingkat Direksi. Pedoman kerja Direksi prevention, term of office, and committees at the Board of Jayaprakash Bharathan 43 100
Wakil Direktur Utama**) 24
merupakan petunjuk tata laksana kerja Direksi, serta menjelaskan Directors level. The Board of Directors' work guidelines serve as Vice President Director**)
tahapan aktivitas secara terstruktur, sistematis, mudah dipahami procedural instructions, detailing structured, systematic activities Chandra Sekhar Mukherjee Direktur Bisnis 43 40 93
Business Director
dan dapat dijalankan dengan konsisten, dapat menjadi acuan that are easy to understand and consistently implementable,
Direktur Operasional
bagi Direksi dalam melaksanakan tugas masing-masing untuk providing a reference for the Directors in performing their Carolina Dina Rusdiana Operational Director 43 43 100
mencapai visi dan misi perusahaan. respective duties to achieve the company's vision and mission. Dennis Kusuma Halim Direktur Kepatuhan 43 40 93
Compliance Director
Direktur Utama **)
Remunerasi Direksi Board of Directors Remuneration RM Raharjo Satrio Unggul
President Director**) 43 22 51
Kebijakan Remunerasi ditetapkan dalam Surat Keputusan Direksi The Remuneration Policy is established in the Board of Directors'
*) Efektif menjabat sebagai Direktur Utama pada tanggal 14 Oktober 2024.
No. 456/KP-PERS/SK/ESC/XI/2017 tanggal 29 November 2017 Decree No. 456/KP-PERS/SK/ESC/XI/2017 dated November 29, 2017, *) Effective as President Director as of October 14, 2024.
tentang tata kelola pemberian remunerasi Bank yang mengatur regarding the governance of the Bank's remuneration. It regulates **) Masa jabatan efektif berakhir pada tanggal 27 Juni 2024.
**) The effective term of office ends on June 27, 2024.
tentang pemberian remunerasi bagi Direksi dan Dewan Komisaris, the remuneration for the Board of Directors and the Board of
filosofi dan prinsip dasar pemberian remunerasi, metode dan Commissioners, the philosophy and basic principles of remuneration,
Pelatihan yang Diikuti Direksi
mekanisme penetapan remunerasi, struktur remunerasi, kriteria the methods and mechanisms for setting remuneration, the
Training attended by The Board of Directors
penetapan pejabat material risk takers, malus, clawback dan remuneration structure, the criteria for identifying material risk
disclosure. takers, malus, clawback and disclosure. Selama Tahun 2024 Direksi telah mengikuti pelatihan/sosialisasi/ Throughout 2024, the Board of Directors has participated in the
seminar sebagai berikut: following training/socialisation/seminars:
Sebagai suatu perusahaan yang menjunjung tinggi nilai As a company that upholds the value of professionalism, as a form of
profesionalisme, maka sebagai wujud penghargaan terhadap appreciation for the energy and time given by the Directors to carry Jenis Training Penyelenggara Tanggal Pelaksaan
tenaga dan waktu yang telah diberikan oleh Direksi untuk out their duties and responsibilities in accordance with what has Name of Training Organizer Training Date
melaksanakan tugas dan tanggung jawabnya sesuai dengan been outlined in the articles of association. The Bank has provided Jayaprakash Bharathan
Direktur Utama / President Director*)
yang telah diatur dalam anggaran dasar. Bank telah memberikan compensation in the form of remuneration and other facilities in Wakil Direktur Utama / Vice President Director**)
kompensasi berupa remunerasi dan fasilitas lainnya dalam cash and in-kind during 2024 amounting to Rp7,867 million to the 1. Perpanjangan Association Cambiste Internationale Financial
Markets Association (ACI FMA) ACI FMA Indonesia 7 Februari 2024
bentuk non natura dan natura selama tahun 2024 sebesar Board of Directors with the following details: Renewal of Association Cambiste Internationale Financial ACI FMA Indonesia February 7, 2024
Rp7.867 juta kepada Direksi dengan rincian sebagai berikut: Markets Association (ACI FMA)
2. Penyelarasan Manajemen Risiko Jenjang 7 Bankers Association for Risk Management (BARA) 19 - 20 Juni 2024
Risk Management Level 7 Coordination Bankers Association for Risk Management (BARA) June 19 - 20, 2024
2024 2023
Jenis Remunerasi dan Fasilitas 3. Penguatan Penerapan Program APU PPT dan PPSPM dalam
Type of Remuneration and Facilities
Jumlah Orang Dalam Jutaan Rupiah / tahun Jumlah Orang Dalam Jutaan Rupiah / tahun Rangka Pemberantasan Tindak Kejahatan Ekonomi Otoritas Jasa Keuangan (OJK) 8 Juli 2024
Number of People In million Rupiah / annum Number of People In million Rupiah / annum Strengthening the Implementation of APU PPT and PPSPM Financial Services Authority July 8, 2024
Programs in the Framework of Combating Economic Crimes
Gaji, bonus, tunjangan rutin, tantiem dan fasilitas lainnya dalam 4 6.086 5 6.479
bentuk non natura
Salary, bonus, routine allowances, tantiem, other non-natura
facilities
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Tata Kelola Perusahaan
Good Corporate Governance
Jenis Training Penyelenggara Tanggal Pelaksaan Jenis Training Penyelenggara Tanggal Pelaksaan
Name of Training Organizer Training Date Name of Training Organizer Training Date
4. Ujian Resertifikasi Manajemen Risiko Jenjang 7 Lembaga Sertifikasi Profesi Perbankan (LSPP) 5 Agustus 2024 Dennis Kusuma Halim
Risk Management Level 7 Recertification Examination Banking Professional Certification Institute August 5, 2024 Direktur Kepatuhan / Compliance Director
5. Training APU PPT (Dewan Komisaris dan Direksi) Genesis Inti Utama 21 September 2024 1. Rapat Anggota Kepatuhan PERBINA 24 Januari 2024
APU-PPT Training (Board of Commissioners and Directors) Genesis Inti Utama September 21, 2024 Compliance Members Meeting PERBINA January 24, 2024
Chandra Sekhar Mukherjee 2. Perjalanan Perbankan Indonesia untuk Emisi Nol Otoritas Jasa Keuangan (OJK) 4 Maret 2024
Direktur Bisnis / Business Director Indonesian Banking Road to Net Zero Emission Financial Services Authority March 4, 2024
1. Artificial Intelligence Changes The Face of Financial Sector Otoritas Jasa Keuangan (OJK) 7 Maret 2024 3. Artificial Intelligence Mengubah Tampak Sektor Keuangan Otoritas Jasa Keuangan (OJK) 7 Maret 2024
Artificial Intelligence Mengubah Tampak Sektor Keuangan Financial Services Authority March 7, 2024 Artificial Intelligence Changes The Face of Financial Sector Financial Services Authority March 7, 2024
2. Acara Forum Keuangan Pembangunan Kapasitas 4. Acara Forum Keuangan Pembangunan Kapasitas
Otoritas Jasa Keuangan (OJK) 23 April 2024 Otoritas Jasa Keuangan (OJK) 23 April 2024
Berkelanjutan Berkelanjutan
Financial Services Authority April 23, 2024 Financial Services Authority April 23, 2024
Capacity Building Sustainable Finance Event Forum Capacity Building Sustainable Finance Event Forum
3. Cara Mencegah Greenwashing di Keuangan Berkelanjutan Otoritas Jasa Keuangan (OJK) 16 Mei 2024 5. Undangan Pertemuan Tim Kerja Analisis Kolaboratif terkait
How to Prevent Greenwashing in Sustainable Finance Financial Services Authority May 16, 2024 Pemilu dan Pilkada PPATK 7 Mei 2024
Invitation to the Collaborative Analysis Working Team Meet- PPATK May 7, 2024
4. Pendaftaran Anggota Baru Association Cambiste Interna-
ing on Elections and Local Elections
tionale Financial Markets Association (ACI FMA) ACI FMA Indonesia 1 Juni 2024
New Member Registration for the Association Cambiste ACI FMA Indonesia June 1, 2024 6. Penyelarasan Manajemen Risiko Jenjang 7 Bankers Association for Risk Management (BARA) 5 - 6 Juni 2024
Internationale Financial Markets Association (ACI FMA) Risk Management Level 7 Coordination Bankers Association for Risk Management (BARA) June 5 - 6, 2024
5. Penyelarasan Manajemen Risiko Jenjang 7 Bankers Association for Risk Management (BARA) 3 - 4 Juli 2024 7. Cara Mencegah Greenwashing di Keuangan Berkelanjutan Otoritas Jasa Keuangan (OJK) 16 Mei 2024
Risk Management Level 7 Coordination Bankers Association for Risk Management (BARA) July 3 - 4, 2024 How to Prevent Greenwashing in Sustainable Finance Financial Services Authority May 16, 2024
6. Training Pembekalan Treasury Dealer Jenjang 7 APUVINDO 16 Agustus 2024 8. Pelatihan Teknis Virtual ACMF-ISSB tentang Standar
Treasury Dealer Level 7 Provisional Training APUVINDO August 16, 2024 Pengungkapan Keberlanjutan IFRS Otoritas Jasa Keuangan (OJK) 20 Mei 2024
ACMF-ISSB Virtual Technical Training on IFRS Sustainability Financial Services Authority May 20, 2024
7. Uji Sertifikasi Treasury Dealer Jenjang 7 ACI FMA Indonesia 31 Agustus 2024
Disclosures Standards
Treasury Dealer Level 7 Certification Examination ACI FMA Indonesia August 31, 2024
9. Sosialisasi @asy.ksei Kustodian Sentral Efek Indonesia (KSEI) 22 Mei 2024
8. Training APU PPT (Dewan Komisaris dan Direksi) Genesis Inti Utama 21 September 2024
@asy.ksei Socialization Kustodian Sentral Efek Indonesia (KSEI) May 22, 2024
APU-PPT Training (Board of Commissioners and Directors) Genesis Inti Utama September 21, 2024
10. Cara Memitigasi Risiko Transisi dan Fisik di Bidang Keuangan
Carolina Dina Rusdiana Otoritas Jasa Keuangan (OJK) 4 Juli 2024
Direktur Operasional / Operational Director How to Mitigate Transition and Physical Risks in Financial
Financial Services Authority July 4, 2024
Sector
1. Strategi Mencegah Serangan Siber Otoritas Jasa Keuangan (OJK) 29 Februari 2024
Cyber Attacks Prevention Strategy Financial Services Authority February 29, 2024 11. Undangan Konvensi Nasional Rancangan Standar
Kompetensi Kerja Nasional Indonesia (RSKKNI) Bidang
2. Artificial Intelligence Changes The Face of Financial Sector Otoritas Jasa Keuangan (OJK) 7 Maret 2024 Manajemen Risiko Perbankan Otoritas Jasa Keuangan (OJK) 8 Juli 2024
Artificial Intelligence Mengubah Tampak Sektor Keuangan Financial Services Authority March 7, 2024 Invitation to the National Convention on the Draft Indone- Financial Services Authority July 8, 2024
3. Branding Emiten untuk Investor Retail : Edisi Spesial Sektor sian National Work Competency Standards (RSKKNI) in the
Keuangan, Properti & Perumahan dan Infrastruktur Asosiasi Emiten Indonesia 25 April 2024 Field of Banking Risk Management
Branding Issuers for Retail Investors: Special Edition on the Issuer Association of Indonesia April 25, 2024 12. Transformasi Teknologi Ramah Lingkungan: Memakai
Financial, Property & Housing and Infrastructure Sectors Teknologi untuk Mewujudkan Bisnis yang Berkelanjutan dan
Binder Dijker Otte (BDO) Akuntan Publik 30 Juli 2024
4. Penyelarasan Manajemen Risiko Jenjang 7 Bankers Association for Risk Management (BARA) 7 - 8 Mei 2024 Aman
Binder Dijker Otte (BDO) Akuntan Publik July 30, 2024
Risk Management Level 7 Coordination Bankers Association for Risk Management (BARA) May 7 - 8, 2024 Green Technology Transformation: Utilizing Technology to
Achieve Sustainable & Secured Business
Lembaga Alternatif Penyelesaian Sengketa Sektor
5. Arbitrator Talks: Menyikapi Pembatalan Putusan Arbitrase 13. Training APU PPT (Dewan Komisaris dan Direksi) Genesis Inti Utama 21 September 2024
Jasa Keuangan (LAPS SJK) 21 Mei 2024
Arbitrator Talks: Responding to the Cancellation of the APU-PPT Training (Board of Commissioners and Directors) Genesis Inti Utama September 21, 2024
Lembaga Alternatif Penyelesaian Sengketa Sektor May 21, 2024
Arbitration's Decision
Jasa Keuangan (LAPS SJK) 14. Mengantisipasi Tantangan dan Kejahatan Baru di Era
6. Strategi Pemasaran Digital di Era Digital: Taktik dan Langkah Ekonomi Digital 5.0 Grab & Ovo 9 Oktober 2024
Efektif Mencetak Profit Optimal Otoritas Jasa Keuangan (OJK) 5 Juni 2024 Anticipating New Challenges and Crimes in the Digital Grab & Ovo October 9, 2024
Digital Marketing Strategies in the Digital Era: Effective Financial Services Authority June 5, 2024 Economy Era 5.0
Tactics and Steps Produces Optimal Profits 15. Memerangi Judi Online dan Kejahatan Baru Era Ekonomi
7. Peran Teknologi Digital dalam Meningkatkan Praktik Digital 5.0 PPATK 19 November 2024
Otoritas Jasa Keuangan (OJK) 11 Juli 2024 Combating Online Gambling and New Crimes in the Digital PPATK November 19, 2024
Akuntansi
Financial Services Authority July 11, 2024 Economy Era 5.0
Digital Technology's Role in Improving Accounting Practice
8. Digital Bank Summit AFTECH 2024 “Bergerak Bersama dalam 16. Memperkuat Integritas Keuangan: Strategi dan Inovasi
Ekosistem Keuangan Digital" Fintech Indonesia 23 Juli 2024 Lanjutan dalam Pencegahan Kecurangan Otoritas Jasa Keuangan (OJK) 21 November 2024
Digital Bank Summit AFTECH 2024 "Moving Together in the Fintech Indonesia July 23, 2024 Strengthening Financial Integrity: Advanced Strategies and Financial Services Authority November 21, 2024
Digital Financial Ecosystem" Innovations in Anti-Fraud
9. Update Perbankan Forum CXO Perhimpunan Bank Nasional (PERBANAS) 25 Juli 2024 17. Diseminasi Hasil FIR on ML/TF Tahun 2024 11 Desember 2024
PPATK
CXO Forum Banking Update National Bank Association July 25, 2024 Dissemination of 2024 FIR Results on ML/TF December 11, 2024
10. Sosialisasi Ketentuan Standarisasi Kompetensi di Bidang 18. FGD terkait Penerapan Pengendalian Internal dalam Proses
Sistem Pembayaran (SK SP) Bank Indonesia 20 Agustus 2024 Pelaporan Keuangan Bank Otoritas Jasa Keuangan (OJK) 18 Desember 2024
Socialisation of the Competency Regulation Standardisation Bank Indonesia August 20, 2024 FGD on the Implementation of Internal Controls in the Financial Services Authority December 18, 2024
in the Payment System Sector (SK SP) Bank's Financial Reporting Process
RM Raharjo Satrio Unggul
11. Sosialisasi Sistem Pembayaran Kepada Institusi PJP/PIP 2024 Bank Indonesia 26 Agustus 2024 Direktur Utama / President Director**)
Socialization of Payment System for PJP/PIP Institute 2024 Bank Indonesia August 26, 2024
1. Seminar “Sektor Jasa Keuangan yang Kuat dan Stabil untuk
12. Festival Layanan Perbankan Pusat 2024 Bank Indonesia 28 - 29 Agustus 2024 Mendukung Pertumbuhan Ekonomi yang Berkelanjutan”
Central Banking Services Festival 2024 Bank Indonesia August 28 - 29, 2024 dan Arahan Presiden Republik Indonesia Otoritas Jasa Keuangan (OJK) 20 Februari 2024
13. Training APU PPT (Dewan Komisaris dan Direksi) Genesis Inti Utama 21 September 2024 "A Strong and Stable Financial Services Sector to Support Financial Services Authority February 20, 2024
APU-PPT Training (Board of Commissioners and Directors) Genesis Inti Utama September 21, 2024 Sustainable Economic Growth" Seminar and Directions from
the President of the Republic of Indonesia
14. Women in Tech Microsoft / Intel 7 November 2024
Women in Tech Microsoft / Intel November 7, 2024
PT BANK OF INDIA INDONESIA Tbk PT BANK OF INDIA INDONESIA Tbk
164 Laporan Tahunan 2024 Annual Report 2024 165
Page 85
Tata Kelola Perusahaan
Good Corporate Governance
Jenis Training
Name of Training
Penyelenggara
Organizer
Tanggal Pelaksaan
Training Date
KOMITE DI BAWAH DIREKSI
2. Pertemuan Tim Kerja Analisis Kolaboratif terkait Pemilu dan
COMMITTEE UNDER THE BOARD OF DIRECTORS
Pusat Pelaporan dan Analisis Transaksi Keuangan
Pilkada 7 Mei 2024
(PPATK)
Meeting of the Collaborative Analysis Working Team on May 7, 2024 Dalam melaksanakan tugasnya Direksi membentuk Komite- In carrying out its duties, the Board of Directors establishes the
Financial Transaction Reports and Analysis Centre
Elections and Regional Elections
Komite sebagai berikut: following Committees.
3. Penyelarasan Manajemen Risiko Jenjang 7 Indonesia Risk Professional Association (IRPA) 24 - 25 April 2024
Risk Management Level 7 Coordination Indonesia Risk Professional Association (IRPA) April 24 - 25, 2024
a) Komite Manajemen Dana (ALCO) a) Fund Management Committee (ALCO)
*) Efektif menjabat sebagai Direktur Utama pada tanggal 14 Oktober 2024.
*) Effective as President Director as of October 14, 2024.
Komite Manajemen Dana (ALCO) dibentuk berdasarkan Surat The Asset and Liability Committee (ALCO) was established based
**) Masa jabatan efektif berakhir pada tanggal 27 Juni 2024. Keputusan Direksi No. 083/KP-TREA/INT/SK/AS/XI/2024 tanggal on the Board of Directors' Decree No. 083/KP-TREA/INT/SK/AS/
**) The effective term of office ends on June 27, 2024.
8 November 2024 tentang Pedoman Kerja Asset Liability XI/2024 dated November 8, 2024, regarding the Asset Liability
Penilaian Kinerja Direksi Board of Directors Performance Assessment Committee (ALCO). Komite Manajemen Dana (ALCO) dibentuk Committee (ALCO) Work Guidelines. The Asset and Liability
Penilaian kinerja Direksi masing-masing maupun seluruh Board of Directors Performance Assessment Each and every dengan tugas dan tanggung jawab: Committee (ALCO) was formed with the following duties and
anggota Direksi dievaluasi oleh Dewan Komisaris dalam rapat member of the Board of Directors is evaluated by the Board of responsibilities:
gabungan Direksi dan Komisaris yang diselenggarakan minimal Commissioners in joint meetings of the Board of Directors and 1. Menetapkan dan mengevaluasi strategi yang berkaitan 1. Establish and evaluate strategies related to market risk,
setiap triwulanan. Direksi telah mengungkapkan kebijakan Bank Commissioners held at least quarterly. The Board of Directors dengan risiko pasar, risiko suku bunga dan risiko nilai tukar; interest rate risk and exchange rate risk;
yang bersifat strategis di bidang kepegawaian kepada pegawai has communicated the Bank’s strategic policies in the field of 2. Menetapkan dan mengevaluasi kebijakan dan strategi harga 2. Establish and evaluate pricing policies and strategies on
melalui memo internal maupun melalui sosialisasi. Direksi juga staffing to employees through internal memos and socialization. (pricing policy) produk-produk dana, pinjaman dan rekening products of funds, loans and interoffice accounts;
telah mengkomunikasikan kepada pegawai mengenai arah The Board of Directors has also communicated to employees the antar kantor (RAK);
bisnis Bank dalam rangka pencapaian misi dan visi Bank kepada Bank’s business direction in order to achieve the Bank's mission 3. Menetapkan dan mengevaluasi kebijakan dan strategi 3. Establish and evaluate policies and strategies in structuring
Pejabat Eksekutif, Pemimpin Kantor Cabang, Pemimpin Kantor and vision to Executive Officers, Branch Managers, Sub-branch dalam penataan portofolio investasi; serta investment portfolios; and
Cabang Pembantu, Kepala Divisi dan/atau Supervisor untuk Managers, Division Heads and/or Supervisors, who will then 4. Menetapkan dan mengevaluasi kebijakan dan strategi 4. Establish and evaluate policies and strategies arrangement
kemudian di informasikan keseluruh pegawai. Sesuai Anggaran inform all employees. In accordance with the Company's Articles penataan struktur neraca antisipasi perubahan suku bunga for balance sheet structure in anticipation of changes in
Dasar Perseroan, Direksi bertanggung jawab sepenuhnya of Association, the Board of Directors is fully responsible for untuk mencapai net interest margin yang optimum. interest rates to achieve the optimum net interest margin.
terhadap kepengurusan untuk periode tahun bisnis 2024. management for the 2024 business year period. The Board of
Pertanggungjawaban Direksi atas pelaksanaan tugas untuk Directors’ accountability for the execution of duties for the 2024 Selama tahun 2024, Komite Manajemen Dana (ALCO) telah During 2024, the Fund Management Committee (ALCO) held
periode tahun bisnis 2024 akan dilaksanakan dalam Rapat Umum business year period will be carried out at the Annual General mengadakan rapat sebanyak 4 kali pada tanggal 25 Januari, 30 a Meeting 4 times on January 25, April 30, August 12 and
Pemegang Saham Tahunan (RUPST) pada tahun 2025. Meeting of Shareholders (AGMS) in 2025. April, 12 Agustus dan 18 November 2024 dengan keputusan dan November 18, 2024 with important decisions and discussions of
pembahasan penting: these meetings:
Dalam rangka mendukung efektifitas pelaksanaan tugas dan In order to support the effectiveness of the implementation 1. Suku Bunga Deposito IDR dan USD. 1. IDR and USD Deposit Interest Rates.
tanggung jawab Direksi dan Dewan Komisaris dalam menerapkan of the duties and responsibilities of the Board of Directors 2. Suku Bunga Giro dan Tabungan. 2. Interest Rates for Current Accounts and Savings.
prinsip-prinsip tata kelola yang baik dan optimal maka telah diatur and the Board of Commissioners in applying the principles 3. Rekening Antar Kantor (RAK). 3. Interoffice Account (RAK).
kembali dalam Surat Keputusan Direksi No.002/KP-SISDUR/INT/ of good and optimal governance, it has been regulated again 4. Menjaga kecukupan likuiditas dan pemenuhan ketentuan 4. Maintaining adequate liquidity and fulfilling the Minimum
SK/SY/I/2022 tanggal 26 Januari 2022 tentang Pengkinian Komite in the Decree of the Board of Directors No. 002/KP-SISDUR/ Giro Wajib Minimum (GWM). Reserve Requirement (GWM) regulations.
PT Bank of India Indonesia Tbk yang memuat pengaturan tentang INT/SK/SY/I/2022 dated January 26, 2022 regarding Updates 5. Net Interest Margin (NIM), Suku Bunga Dasar Kredit (SBDK). 5. Net Interest Margin (NIM), Basic Loan Interest Rate (SBDK).
keputusan sah rapat, kehadiran, hak suara, susunan anggota to the Committee of PT Bank of India Indonesia Tbk which
komite, jadwal rapat, penambahan tugas dan tanggung jawab. contains arrangements regarding legal decisions of meetings, b) Komite Kredit b) Credit Committee
attendance, voting rights, composition of committee members, Komite Kredit dibentuk berdasarkan Surat Keputusan Direksi No. Credit committee is formed based on Directors Decree No. 017/
meeting schedules, additional duties and responsibilities. 017/KP-BD/INT/SK/HS/VI/17 tanggal 14 Juni 2017 dengan tugas KP-BD/INT/SK/HS/VI/17 dated June 14, 2017 with the duty and
dan tanggung jawab memutuskan persetujuan pemberian kredit responsibility to decide on credit approval in accordance with
Penilaian Kinerja Komite di Bawah Direksi Performance Assessment of The Committees Under The Board sesuai dengan batas/limit yang telah ditentukan. predetermined limits.
of Directors
Bank menerapkan prinsip-prinsip tata kelola yang baik dalam The Bank applies the good governance principles in each of its c) Komite Pengarah Teknologi Informasi (TI) c) Information Technology Steering Committee
setiap kegiatan usahanya dan pada seluruh tingkatan dan business activities and at all of organization levels and tiers. Komite Pengarah TI dibentuk berdasarkan Surat Keputusan The IT Steering Committee was formed based on Directors
jenjang organisasi. Direksi dalam melaksanakan tugasnya The Board of Directors in carrying out its duties is assisted by Direksi No. 104/KP-IT/INT/SK/AK/XII/2024 tanggal 27 Desember Decree No. 104/KP-IT/INT/SK/AK/XII/2024 dated December 27,
dibantu oleh Komite-Komite ditingkat Direksi yang telah bekerja Committees at the Board of Directors level who have worked 2024 tentang Komite Pengarah Teknologi Informasi yang 2024 regarding the Information Technology Steering Committee
efektif membantu Direksi dalam melaksanakan pengawasan effectively to assist the Board of Directors in carrying out mendukung efektifitas pelaksanaan tugas dan tanggung jawab which supports the effective implementation of duties and
dan pengendalian terhadap kegiatan usaha Bank melalui supervision and control of the Bank’s business activities through terhadap penetapan dan rencana strategis teknologi informasi responsibilities for the determination and strategic plan of
rekomendasi dan/atau laporan yang disampaikan kepada Direksi. recommendations and or reports submitted to the Directors. dan kebijakan Bank terkait penggunaan teknologi informasi. Information Technology and Bank policies related to the use of
Information technology.
Dalam rangka mendukung efektifitas pelaksanaan tugas dan In order to support the effectiveness of the implementation
tanggung jawab Direksi dan Dewan Komisaris dalam menerapkan of the duties and responsibilities of the Board of Directors Pada Tahun 2024 Komite Informasi dan Teknologi mengadakan In 2024, the Information and Technology Committee held 4
prinsip-prinsip tata kelola yang baik dan optimal maka telah and the Board of Commissioners in applying the principles 4 kali rapat yaitu pada tanggal 25 Maret, 11 Juni, 1 Oktober dan meetings, which were on March 25, June 11, October 1 and
diatur kembali dalam Surat Keputusan Direksi No. 002/KP- of good and optimal governance, it has been regulated again 4 Desember 2024 dengan keputusan dan pembahasan sebagai December 4, 2024 with the following decisions and discussions:
SISDUR/INT/SK/SY/I/2022 tanggal 26 Januari 2022 tentang in the Decree of the Board of Directors No. 002/KP-SISDUR/ berikut:
Pengkinian Komite PT Bank of India Indonesia Tbk yang memuat INT/SK/SY/I/2022 dated January 26, 2022 regarding Updates 1. Core Banking System (CBS) Fase 1A 1. Core Banking System (CBS) Phase 1A
pengaturan tentang keputusan sah rapat, kehadiran, hak suara, to the Committee of PT Bank of India Indonesia Tbk which a. Core Banking System a. Core Banking System
susunan anggota komite, jadwal rapat, penambahan tugas dan contains arrangements regarding legal decisions of meetings, b. Datawarehouse & CBR b. Data Warehouse & CBR
tanggung jawab. attendance, voting rights, composition of committee members, c. Aplikasi Central Bank Reporting/Regulatory Solution c. Central Bank Reporting Application/Regulatory
meeting schedules, additional duties and responsibilities. dan AML/CFT Compliance (Star AML) Solution and AML/CFT Compliance (Star AML)
PT BANK OF INDIA INDONESIA Tbk PT BANK OF INDIA INDONESIA Tbk
166 Laporan Tahunan 2024 Annual Report 2024 167
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Tata Kelola Perusahaan
Good Corporate Governance
d. Perhitungan Elysian (PSAK 71) d. Elysian Calculation (PSAK 71) Pada tahun 2024 Komite Human Capital mengadakan 12 kali In 2024, the Human Capital Committee held 12 meetings on
2. Core Banking System (CBS) Tahap 1B 2. Core Banking System (CBS) Phase 1B rapat pada tanggal 24 Maret, 26 September, 2 Oktober, 17 March 24, September 26, October 2, September 17, September
a. Internet Banking Individual a. Internet Banking for Individuals September, 24 September, 2 Oktober, 23 Oktober, 15 November, 24, October 2, October 23, November 15, November 25,
b. Internet Banking Business b. Internet Banking for Businesses 25 November, 11 Desember, 13 Desember dan 31 Desember December 11, December 13 and December 31, 2024, with
c. Aplikasi Mobile Banking c. Mobile Banking Application 2024, dengan keputusan dan pembahasan penting: important decisions and discussions:
d. Fraud Detection System d. Fraud Detection System 1. Perubahan struktur organisasi Bank dan struktur organisasi 1. Organizational structure changes of Bank including the
3. Status Inisiatif Teknologi Informasi Lainnya 3. Status of Other Information Technology Initiatives dibawah Kepala Divisi, Kepala Unit dan Kepala Kantor structure under Division Heads, Unit Heads and Branch/
a. Status Sistem Upgrade RTGS 555S & ETP BI a. Status of RTGS 555S & ETP BI System Upgrade Cabang/Kantor Cabang Pembantu. Sub-Branch Managers.
b. Konektivitas Jaringan Artajasa untuk dengan BI-Fast/ b. Network Connectivity with Artajasa for BI-FAST/ATM/ 2. Upah Minimum Provinsi tahun 2024. 2. Provincial Minimum Wage for 2024.
ATM/QRIS/Switching QRIS/Switching 3. Rotasi karyawan dan pemenuhan SDM menggantikan 3. Employee rotation and workforce fulfillment to replace
c. Pengembangan Situs Web Korporasi c. Corporate Website Development karyawan pensiun dan karyawan keluar. retiring and outgoing employees.
4. Status Proyek Alternatif Delivery Channel Lainnya 4. Status of Other Alternative Delivery Channel Projects 4. Pemberian beasiswa pendidikan kepada karyawan Bank. 4. Provision of educational scholarships for Bank employees.
a. BI-FAST a. BI-FAST 5. Penyesuaian grade dan skala gaji Karyawan Bank. 5. Adjustment of employee grading and salary scale.
b. QRIS b. QRIS 6. Pemberian tunjangan jabatan kepada Kepala Seksi, Kepala 6. Provision of position allowances for Section Heads, Unit
c. Layanan Kartu Debit c. Debit Card Services Unit, Kepala Divisi, Pimpinan Cabang dan Capem. Heads, Division Heads, Branch Managers and Sub-Branch
d. Email Alert d. Email Alerts Managers.
e. WhatsApp Business Alert e. WhatsApp Business Alert 7. Persetujuan melaksanakan pelatihan kepada seluruh 7. Approval to conduct training for all Business and Non-
5. Status Proyek Penting Lainnya (IT sebagal partisipan 5. Status of Other Key Projects (IT as a Technical Participant) karyawan bisnis dan non bisnis. Business employees.
teknikal) 8. Penyesuaian gaji dan promosi karyawan Bank. 8. Salary adjustments and promotions for Bank employees.
a. Progres SWIFT a. SWIFT Progress 9. Pemenuhan Kewajiban Sertifikasi: 9. Fulfillment of Certification Requirements:
b. Civil Work DC b. Civil Work DC a. Sertifikasi Treasury jenjang 7 (Advance) kepada Kepala a. Advanced Treasury Certification (Level 7) for Treasury
c. Penguatan DR Planning c. Strengthening DR Planning Unit Treasury dengan rencana pemenuhan pada bulan Unit Heads, scheduled for April 2025.
6. Pemantauan TI Lainnya 6. Other IT Monitoring April 2025.
a. Status Bugzilla/B-Tiket a. Status of Bugzilla/B-Ticket b. Sertifikasi Risk Management kepada karyawan, Direksi b. Risk Management Certification for employees, Board
b. Pemantauan Jaringan, Link dan Server b. Network, Link and Server Monitoring dan Komisaris dengan rencana pemenuhan pada of Directors and Commissioners, with completion
c. Struktur Organisasi TI c. IT Organizational Structure tahun 2025 untuk semua karyawan dan Direksi. planned for 2025.
d. Pengeluaran Modal dan Pendapatan d. Capital Expenditure and Revenue c. Sertifikasi SPPUR untuk staf operasional, Kepala Seksi, c. SPPUR Certification for Operational Staff, Section
e. Perencanaan Proyek TI e. IT Project Planning Kepala Unit, Kepala Divisi dan Direktur Operasional Heads, Unit Heads, Division Heads and the Operations
dengan rencana pemenuhan pada tahun 2025. Director, planned for 2025.
d) Komite Manajemen Risiko d) Risk Management Committee 10. Sertifikasi profesi Audit kepada seluruh staf Audit Intern, 10. Professional Audit Certification for all Internal Audit,
Komite Manajemen Risiko ini dibentuk berdasarkan Surat This Risk Management Committee is formed based on Directors Pengendalian Intern (Internal Control Unit/ICU), Kepala Unit Internal Control Staff (ICU), Internal Audit, Internal Control
Keputusan Direksi No. 025/ KP-BD/INT/SK/SY/XI/2021 tanggal Decree No. 025/ KP-BD/INT/SK/SY/XI/2021 dated November 25, Audit Intern, Pengendalian Intern dan Kepala Divisi Satuan Unit Heads and the Head of Internal Audit Division (SKAI).
25 November 2021 tentang Komite Manajemen Risiko untuk 2021 regarding the Risk Management Committee to support Kerja Audit Intern (SKAI).
mendukung efektifitas pelaksanaan tugas dan tanggung jawab the effectiveness of the implementation of the duties and 11. Sertifikasi profesi kepatuhan kepada seluruh staf kepatuhan, 11. Professional Compliance Certification for all Compliance
Direksi dalam penyusunan dan penerapan manajemen risiko di responsibilities of the Board of Directors in the preparation and Kepala Unit Kepatuhan dan Kepala Divisi Kepatuhan. Staff, Compliance Unit Heads and the Head of Compliance
Bank. implementation of risk management in the Bank. Division.
12. Pengangkatan Kepala Unit E-Channel dan Customer Care. 12. Appointment of E-Channel and Customer Care Unit Head.
Sepanjang tahun 2024 Komite Manajemen Risiko mengadakan Throughout 2024, the Risk Management Committee had held 6 13. Penunjukan dan Pengangkatan Kepala Kantor Cabang 13. Designation and Appointment of Makassar Branch Manager
6 kali rapat yaitu pada tanggal 17 Januari, 30 Januari, 26 April, meetings January 17, January 30, April 26, July 12, July 24 and Makassar dan Kepala Kantor Cabang Pembantu MD Place. and MD Place Sub-Branch Manager.
12 Juli, 24 Juli dan 18 Oktober 2024 dengan keputusan dan October 18, 2024, with important decisions and discussions as 14. Perubahan struktur organisasi Kepatuhan dan Manajemen 14. Changes in Compliance and Risk Management organizational
pembahasan penting: follows: Risiko beserta pemenuhan formasi Sumber Daya Manusia. structure, along with the fulfillment of human resource
formation.
1. Laporan Profil Risiko periode Triwulan IV 2023; 1. Risk Profile Report for the Quarter IV of 2023; 15. Persetujuan Human Capital Information System. 15. Approval of the Human Capital Information System.
2. Laporan Tingkat Kesehatan Bank periode Semester II 2023; 2. Bank Health Level Report for the Semester II of 2023; 16. Pengkinian Remunerasi. 16. Remuneration updates.
3. Laporan Profil Risiko periode Triwulan I Tahun 2024; 3. Risk Profile Report for the Quarter I of 2024; 17. Pengkinian Peraturan Perusahaan. 17. Company Regulation updates.
4. Laporan Profil Risiko periode Triwulan II Tahun 2024; 4. Risk Profile Report for the Quarter II of 2024; 18. Budget headcount dan manpower planning. 18. Budget headcount and manpower planning.
5. Laporan Tingkat Kesehatan Bank periode Semester I Tahun 5. Bank Health Level Report for the Semester I of 2024;
2024; f) Komite Anti-Fraud f) Anti-Fraud Committee
6. Pemaparan peta risiko konsentrasi kredit dan laporan Profil 6. Presentation of the credit concentration risk map and the Komite Anti-Fraud dibentuk berdasarkan Surat Keputusan Direksi Anti-Fraud Committee is formed based on Directors Decree
Risiko Bank periode Triwulan III Tahun 2024. Bank's Risk Profile report for Quarter III of 2024. No. 265A/KP-HCS/SK/HSD/V/2023 tanggal 31 Mei 2023 dengan No. 265A/KP-HCS/SK/HSD/V/2023 dated 31 May 2023 with the
tugas dan tanggung jawab untuk: duties and responsibilities for:
e) Komite Human Capital e) Human Capital Committee 1. Memantau seluruh aktivitas Bank yang memiliki potensi 1. Monitoring all Bank activities that have the fraud risk
Komite dibentuk melalui Surat Keputusan Direksi No. 412/KP- The committee was established through the Board of Directors' risiko fraud; potential;
PERS/SK/ESC/VIII/2017 tanggal 28 Agustus 2017 tentang Komite Decree No. 412/KP-PERS/SK/ESC/VIII/2017 dated August 28, 2. Melakukan identifikasi dan menemukan kejadian fraud 2. Identifying and finding fraud through available
Human Capital PT Bank of India Indonesia Tbk agar tercapai visi 2017, regarding the Human Capital Committee of PT Bank of melalui sarana/perangkat yang tersedia baik secara facilities/equipment both directly and indirectly;
dan misi perusahaan melalui tata kelola sumber daya manusia India Indonesia Tbk to achieve the company's vision and mission langsung maupun tidak langsung;
yang terarah, terintegrasi dan efektif sehingga Sumber Daya through directed, integrated and effective human resource 3. Melakukan investigasi terhadap setiap kejadian yang patut 3. Conducting an investigation of any incident that is
Manusia (SDM) yang ada memiliki kompetensi yang baik dan management. This ensures that the existing Human Resources diduga merupakan tindakan fraud; reasonably suspected of being an act of fraud;
dapat memberikan kontribusi pada Bank. (HR) possess good competence and can contribute to the Bank. 4. Melaporkan kejadian fraud sebagai hasil identifikasi dan 4. Reporting fraud incidents as a result of identifying and
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Tata Kelola Perusahaan
Good Corporate Governance
investigasi dengan segera kepada Direksi dengan tembusan
kepada Dewan Komisaris.
investigating immediately to the Board of Directors with
copies sent to the Board of Commissioners.
SEKRETARIS PERUSAHAAN
CORPORATE SECRETARY
g) Komite Pengadaan Barang dan Jasa (Procurement) g) Procurement Committee
Sekretaris Perusahaan dibentuk melalui SK Direksi No. 182.A/ The Corporate Secretary was established through the Board of
Komite Pengadaan Barang dan Jasa dibentuk berdasarkan Surat The Procurement Committee was established based on the Board KP-BD/INT/XII/2001 tanggal 3 Desember 2001 tentang Directors Decree No. 182.A/KP-BD/INT/XII/2001 dated December
Keputusan Direksi No. 087/KP-GA/INT/SK/ESC/XI/2024 tanggal of Directors' Decree No. 087/KP-GA/INT/SK/ESC/XI/2024 dated Pembentukan Sekretaris Perusahaan PT Bank of India Indonesia 3, 2001, concerning the Formation of the Corporate Secretary of
26 November 2024 tentang Komite Pengadaan Barang dan Jasa November 26, 2024, regarding the Procurement Committee with Tbk. Sekretaris Perusahaan bertugas untuk mendukung PT Bank of India Indonesia Tbk. The Corporate Secretary's role is
dengan tugas dan tanggung jawab untuk : the following duties and responsibilities: terwujudnya citra perusahaan yang baik secara konsisten dan to support the consistent and sustainable creation of a positive
berkesinambungan melalui pengelolaan program komunikasi corporate image by managing effective communication programs
1. Meninjau dan mengevaluasi daftar Vendor yang telah telah 1. Reviewing and evaluating the list of approved Vendors for yang efektif kepada Pemegang Saham, Otoritas Jasa Keuangan with Shareholders, the Financial Services Authority (OJK) and
disetujui untuk pengadaaan barang dan jasa; the procurement of goods and services; dan Pemangku Kepentingan lainnya. Sekretaris Perusahaan other Stakeholders. The Corporate Secretary is appointed and
2. Meninjau dan mengevaluasi penawar untuk pengadaan 2. Review and evaluate bidders for the procurement of goods diangkat dan diberhentikan berdasarkan keputusan Direksi dan dismissed based on the decision of the Board of Directors and
barang dan jasa di atas Rp10 juta yang belum termasuk and services above Rp10 million that are not included in the dilarang merangkap jabatan apapun di Emiten atau Perusahaan is prohibited from holding any concurrent positions in other
Publik lain. Issuers or Public Companies.
dalam budget dan bukan bersifat berulang; budget and are not repetitive;
3. Mengevaluasi atau merekomendasikan surat penawaran 3. Evaluate or recommend an offer letter for the procurement Dalam menjalankan tugasnya, Sekretaris Perusahaan senantiasa In carrying out its duties, the Corporate Secretary consistently
atas pengadaan barang di atas Rp10 juta kepada Direksi. of goods above Rp10 million to the Board of Directors. menjaga integritas, profesionalisme dan independensi guna upholds integrity, professionalism and independence to
mendukung terciptanya tata kelola yang sehat dan berkelanjutan support the creation of sound and sustainable governance
bagi pertumbuhan dan keberlangsungan usaha Bank. for the growth and continuity of the Bank's business.
h) Komite Kebijakan Perkreditan Bank h) Bank Credit Policy Committee
Komite Kebijakan Perkreditan dibentuk berdasarkan Surat The Credit Policy Committee was established based on the Board Profil Sekretaris Perusahaan Corporate Secretary Profile
Keputusan Direksi No. 002/KP-BD/INT/SK/SISDUR-SY/I/2021 of Directors Decree No. 002/KP-BD/INT/SK/SISDUR-SY/I/2021 Carolina Dina Rusdiana Carolina Dina Rusdiana
tanggal 19 Januari 2021 tentang Penunjukan Keanggotaan dated January 19, 2021, regarding the Appointment of Members Carolina Dina Rusdiana adalah Warga Negara Indonesia, berusia Carolina Dina Rusdiana is an Indonesian citizen, 62 years old, with
62 tahun, dengan pendidikan terakhir di Fakultas Ilmu Sosial dan her most recent education from the Faculty of Social and Political
Komite Kebijakan Perkreditan (KKP) Bank yang membantu of the Bank's Credit Policy Committee (KKP). The committee Sciences at Universitas Indonesia, Jakarta. She was appointed as
Politik Universitas Indonesia Jakarta. Beliau diangkat sebagai
Direksi dalam merumuskan dan menetapkan kebijakan, assists the Board of Directors in formulating and establishing Sekretaris Perusahaan PT Bank of India Indonesia Tbk sesuai Surat the Corporate Secretary of PT Bank of India Indonesia Tbk based
mengawasi pelaksanaan kebijakan, memantau perkembangan policies, supervising the implementation of policies, monitoring Keputusan Direksi No.197/KP-HCT/SK/HSD/XII/2022 tanggal on the Board of Directors Decree No. 197/KP-HCT/SK/HSD/
dan kondisi portofolio perkreditan serta memberikan saran the development and condition of the credit portfolio and 29 Desember 2022. Profil Sekretaris Perusahaan selengkapnya XII/2022 dated December 29, 2022. Further details about the
dapat dilihat pada halaman 64. Corporate Secretary's profile can be found on page 64.
langkah perbaikan, peraturan, arah dan strategi kredit. providing advice on corrective actions, regulations, direction and
credit strategy. Pendidikan dan/atau Pelatihan Sekretaris Perusahaan Corporate Secretary Education and/or Training
Pendidikan atau pelatihan yang diikuti oleh Sekretaris Perusahaan Education or training attended by the Corporate Secretary in
Pada Tahun 2024 Komite Kebijakan Perkreditan mengadakan In 2024, the Credit Policy Committee held two meetings on 16 tahun 2024 adalah : 2024 are:
1. Strategi Mencegah Serangan Siber; 1. Cyber Attacks Prevention Strategy;
2 kali rapat pada tanggal 16 Januari dan 15 Agustus 2024 January 2024 and 15 August 2024, where key decisions and 2. Artificial Intelligence Changes the Face of Financial Sector;
2. Artificial Intelligence Changes The Face of Financial Sector;
dengan keputusan dan pembahasan penting untuk melakukan discussions were made regarding the updates to Credit and 3. Branding Emiten untuk Investor Retail : Edisi Spesial Sektor 3. Branding Issuers for Retail Investors: Special Edition on the
Pengkinian Kebijakan/Standar Operasional Prosedur (SOP) Kredit Marketing Policies/Standard Operating Procedures (SOP) in the Keuangan, Properti dan Perumahan dan Infrastruktur; Financial, Property and Housing and Infrastructure Sectors;
dan Pemasaran pada sub bab: following subsections: 4. Penyelarasan Manajemen Risiko Jenjang 7; 4. Risk Management Level 7 Coordination;
5. Arbitrator Talks : Menyikapi Pembatalan Putusan Arbitrase; 5. Arbitrator Talks: Responding to the Cancellation of the
1. Personal Guarantee; 1. Personal Guarantee. Arbitration's Decision;
2. Jenis Fasilitas Kredit; 2. Types of Credit Facilities. 6. Strategi Pemasaran Digital di Era Digital : Taktik dan Langkah 6. Digital Marketing Strategies in the Digital Era: Effective
3. Kewenangan Limit Memutus Kredit (Kantor Cabang); 3. Credit Approval Authority Limits (Branch Offices). Efektif Mencetak Profit Optimal; Tactics and Steps Produces Optimal Profits;
7. Peran Teknologi Digital dalam Meningkatkan Praktik 7. Digital Technology's Role in Improving Accounting Practice;
4. Batas Maksimal Debt to Equity Ratio (DER); 4. Maximum Debt to Equity Ratio (DER).
Akuntansi;
5. Penagihan dan Penyelesaian Kredit Hapus Buku; 5. Collection and Settlement of Write off Loans. 8. Digital Bank Summit AFTECH 2024 “Bergerak Bersama 8. Digital Bank Summit AFTECH 2024 "Moving Together in the
6. Penetapan dan Pengelolaan Credit Risk Concentration & 6. Determination and Management of Credit Risk dalam Ekosistem Keuangan Digital"; Digital Financial Ecosystem";
Tolerance; Concentration & Tolerance. 9. CXO Forum Banking Update; 9. CXO Forum Banking Update;
10. Sosialisasi Ketentuan Standarisasi Kompetensi di Bidang 10. Socialisation of the Competency Regulation Standardisation
7. Pemberian Kredit Executing dengan Perusahaan Pembiayaan; 7. Provision of Executing Loans with Financing Companies. in the Payment System Sector (SK SP);
Sistem Pembayaran (SK SP);
8. Fasilitas Pinjaman Kredit Back to Back (Back to Back Loan); 8. Back-to-Back Loan Facilities. 11. Sosialisasi Sistem Pembayaran Kepada Institusi PJP/PIP 11. Socialisation of Payment System for PJP/PIP Institute 2024;
9. Penetapan Peringkat Risiko Nasabah (Customer Risk Rating) 9. Determination of Customer Risk Rating for Debtors. 2024;
Kepada Debitur; 12. Central Banking Services Festival 2024; 12. Central Banking Services Festival 2024;
13. Training APU PPT (Dewan Komisaris dan Direksi); dan 13. APU-PPT Training (Board of Commissioners and Directors);
10. Pengambilalihan Kredit; 10. Loan Takeover. and
11. Pemenuhan Kelengkapan Dokumen Kredit yaitu Bukti 11. Fulfillment of Credit Document Completeness, namely 14. Women in Tech. 14. Women in Tech.
Penerimaan Uang Dari Bank Kepada Debitur. Proof of Fund Disbursement from the Bank to the Debtor.
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Tata Kelola Perusahaan
Good Corporate Governance
Tugas Sekretaris Perusahaan Corporate Secretary Duties Struktur dan kedudukan Satuan Kerja Audit Intern (SKAI)
Sekretaris Perusahaan memiliki peran penting dalam mendukung The Corporate Secretary plays a vital role in supporting the Structure and position of Internal Audit Working Unit
penerapan tata kelola perusahaan yang baik (Good Corporate implementation of Good Corporate Governance by ensuring
Governance) melalui pemenuhan kepatuhan terhadap peraturan compliance with applicable laws, regulations and regulatory
perundang-undangan dan ketentuan regulator yang berlaku, requirements, while maintaining transparent, informative Direktur Utama Komite Audit
menjaga hubungan komunikasi yang transparan, informatif dan and effective communication between the Bank and all President Director Audit Committee
efektif antara Bank dengan seluruh pemangku kepentingan, stakeholders, including regulators, investors, shareholders and
Jayaprakash Bharathan • Ketua : Lungguk Gultom
termasuk regulator, investor, pemegang saham dan masyarakat. the public. Additionally, the Corporate Secretary is responsible • Anggota : Handadjaja Sulaiman
Selain itu, Sekretaris Perusahaan juga berperan dalam for coordinating the organization of meetings of the Board of • Anggota : Teddy R. Sondakh
mengkoordinasikan penyelenggaraan rapat Direksi dan Dewan Directors and the Board of Commissioners, including the General
Komisaris, termasuk Rapat Umum Pemegang Saham (RUPS), Meeting of Shareholders (GMS), as well as ensuring timely and
Kepala Divisi Audit Intern
serta memastikan keterbukaan informasi kepada publik secara accurate public disclosure in adherence to the principle of Division Head of Internal Audit
tepat waktu dan akurat sesuai dengan prinsip keterbukaan information transparency.
informasi. Siti Yanti E. Gultom
Sepanjang tahun 2024, Sekretaris Perusahaan telah Throughout 2024, the Corporate Secretary has carried out the
melaksanakan tugas sebagai berikut: following duties:
1. Menyelenggarakan dan mengatur pelaksanaan Rapat 1. Organising and managing the Annual General Meeting
Umum Pemegang Saham Tahunan (RUPST) dan Rapat of Shareholders (AGMS) and the Extraordinary General
Umum Pemegang Saham Luar Biasa (RUPSLB); Meeting of Shareholders (EGMS); Kepala Unit Audit Intern Kepala Unit Pengendalian Intern
Unit Head of Internal Audit Unit Head of Internal Control
2. Menyelenggarakan dan mengatur pelaksanaan public 2. Organising and managing the public expose;
expose; Fakhri Maulana Taufik Agung Ismail
3. Memberikan masukan kepada Direksi dan Dewan Komisaris 3. Providing input to the Board of Directors and the Board of
untuk mematuhi ketentuan peraturan perundang-undangan Commissioners to comply with the provisions of regulations
di bidang Pasar Modal; in the Capital Market sector;
Kepala Seksi Pengendalian
4. Memastikan keterbukaan informasi kepada masyarakat, 4. Ensuring information disclosure to the public, including the Intern Surabaya
termasuk ketersediaan informasi pada situs web Bank; availability of information on Bank's website; Section Head of Internal
5. Mengelola komunikasi dengan Pemegang Saham, Otoritas 5. Managing communication with Shareholders, the Financial Control Surabaya
Jasa Keuangan (OJK), Bursa Efek Indonesia (BEI), Kustodian Services Authority (OJK), the Indonesia Stock Exchange
Sentral Efek Indonesia (KSEI), Biro Administrasi Efek (BAE) (BEI), the Indonesian Central Securities Depository (KSEI), Milia Septiningtiyas
dan institusi terkait lainnya; the Share Registrar (BAE) and other relevant institutions;
6. Menyelenggarakan dan mendokumentasikan rapat Direksi 6. Organizing and documenting meetings of the Board of
dan/atau Dewan Komisaris; Directors and/or the Board of Commissioners;
7. Menyusun laporan rutin internal Bank dan laporan eksternal 7. Preparing regular internal Bank reports and external reports Tim Audit Intern Tim Pengendalian Intern Jakarta Tim Pengendalian Intern Surabaya Tim Audit Intern TI
kepada regulator. for regulators. Internal Audit Team Internal Control Team Jakarta Internal Control Team Surabaya TI Internal Audit Team
• Arief Setiawan • Kus Sri Hardjanti • Dwi Achmad Fauzi • Ckolib Wibowo
• Ahmad Muzaidin • A.E. Pratiwi • Dedy Nugroho • Purwo Widodo
SATUAN KERJA AUDIT INTERN (SKAI)
• Andriani
• Salsabila A.H
INTERNAL AUDIT WORKING UNIT
Siti Yanti E. Gultom
Kepala Satuan Kerja Audit Intern Head of Internal Audit Working Unit Fungsi SKAI SKAI Function
Pejabat Kepala SKAI dan/atau disebut juga Kepala Divisi Audit The Head of SKAI and/or also known as the Head of Internal Audit Memberikan keyakinan dan konsultasi yang bersifat independen Providing independent and objective belief and consultation,
Intern posisi 31 Desember 2024 adalah Siti Yanti E. Gultom, yang Division as of December 31, 2024 is Siti Yanti E. Gultom, who was dan objektif, dengan tujuan untuk meningkatkan nilai dan with the aim of increasing value and improving Bank operations
diangkat berdasarkan Surat Keputusan Direksi PT Bank of India appointed based on the Decree of the Board of Directors of PT memperbaiki operasional Bank melalui pendekatan yang through a systematic approach, by evaluating and improving
Indonesia Tbk, No. 179/KP-HCT/SK/HSD/XI/2022 tanggal 16 Bank of India Indonesia Tbk, No. 179/KP-HCT/SK/HSD/XI/2022 sistematis, dengan cara mengevaluasi dan meningkatkan the effectiveness of risk management, internal control and
November 2022. dated November 16, 2022. efektivitas manajemen risiko, pengendalian intern dan proses governance processes.
tata kelola (governance process).
Sebelum menjabat sebagai Kepala Satuan Kerja Audit Intern, Before serving as the Head of Internal Audit, she served as
beliau pernah menjabat sebagai Product Officer PT Bank Umum the Product Officer PT Bank Umum Nasional (1993-1996), Fungsi Audit Intern Bank senantiasa disesuaikan dengan ukuran, The Bank’s Internal Audit function is constantly adjusted to the
Nasional (tahun 1993-1996), Account Officer PT Bank Indo Account Officer PT Bank Indo Monex (1996-2004), Team Leader karakteristik dan kompleksitas usaha Bank, dengan tetap size, characteristics and complexity of the Bank’s business, while
Monex (tahun 1996-2004), Team Leader Marketing & Credit PT Marketing & Credit PT Bank SBI Indonesia (2004-2008), Branch berpedoman pada standar profesional audit intern. adhering to the professional standards of internal audit.
Bank SBI Indonesia (tahun 2004-2008), Branch Manager PT Bank Manager PT Bank SBI Indonesia (2008-2015), Credit Corporate
SBI Indonesia (tahun 2008-2015), Kepala Divisi Kredit Korporasi Division Head PT Bank of India Indonesia Tbk (2015-2016), Credit Visi SKAI SKAI Vision
PT Bank of India Indonesia Tbk (tahun 2015-2016), Kepala Divisi Analyst Division Head PT Bank of India Indonesia Tbk (2016- Menjadi mitra yang independen dan objektif bagi Manajemen Become an independent and objective partner for Management
Analis Kredit PT Bank of India Indonesia Tbk (tahun 2016-2021) 2021), Internal Control Division Head PT Bank of India Indonesia untuk memberikan jaminan kepada Bank terkait kualitas dan to provide assurance to the Bank regarding the quality and
efektivitas sistem pengendalian intern, manajemen risiko, proses effectiveness of the internal control system, risk management,
dan Kepala Divisi Pengendalian Intern PT Bank of India Indonesia Tbk (2021-2022).
dan sistem Tata Kelola yang efektif dan efisien dalam upaya effective and efficient governance processes and systems in
Tbk (tahun 2021-2022).
melindungi dan menjaga reputasi untuk mendukung tercapainya an effort to protect and maintain reputation to support the
visi Bank. achievement of the Bank’s vision.
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Tata Kelola Perusahaan
Good Corporate Governance
Tugas Pokok SKAI SKAI Main Duties Piagam Audit Intern Internal Audit Charter
1. Membantu tugas Direktur Utama dan Dewan Komisaris 1. Assisting the duties of the President Director and the Board Dalam melaksanakan tugas dan tanggung jawabnya Satuan Kerja In performing its duties and responsibilities, the Intern Audit
dalam melakukan pengawasan dengan cara menjabarkan of Commissioners in carrying out supervision by describing Audit Intern (SKAI) berpedoman pada Piagam Audit Intern yang Working Unit (SKAI) is guided by the Internal Audit Charter which
secara operasional baik perencanaan, pelaksanaan maupun operationally on the planning, implementation and merupakan pedoman pelaksanaan atas: contains the implementation guidelines for:
pemantauan hasil audit. monitoring of audit results. • Pelaksanaan Audit Intern; • Internal Audit Implementation;
2. Membuat analisis dan penilaian di bidang keuangan, 2. Making analysis and assessment in the fields of finance, • Inisiasi Komunikasi dengan Auditee pada Kantor Bank; • Communication Initiation with the Auditee at the Bank
akuntansi, operasional dan kegiatan lain melalui audit. accounting, operations and other activities through audits. Office;
3. Menguji dan mengevaluasi pelaksanaan pengendalian 3. Testing and evaluating the implementation of internal • Pemeriksaan aktivitas Bank; dan • Bank activities examination; and
intern dan sistem manajemen risiko dan Tata Kelola secara control and risk management systems and governance on • Kewenangan mengakses catatan, dokumen, data dan fisik • Authority to access records, documents, data and physical
berkesinambungan. an ongoing basis. aset Bank, termasuk sistem manajemen informasi dan assets of the Bank, including the management information
4. Memberikan saran perbaikan dan informasi yang objektif 4. Providing suggestions for improvements and objective risalah pertemuan manajemen. system and minutes of management meetings.
tentang kegiatan yang diperiksa kepada semua tingkatan information about the activities audited at all levels of
manajemen. management. Piagam Audit Intern ditetapkan oleh Direktur Utama setelah The Internal Audit Charter is stipulated by the President Director
5. Mengidentifikasi segala kemungkinan untuk memperbaiki 5. Identifying all possibilities to improve and increase the mendapat persetujuan dari Dewan Komisaris dengan after obtaining approval from the Board of Commissioners by
dan meningkatkan efisiensi penggunaan sumber daya dan efficiency of the use of resources and funds. mempertimbangkan rekomendasi Komite Audit, yang memuat considering the recommendations of the Audit Committee,
dana. paling sedikit: which contains at least:
6. Memantau, menganalisis dan melaporkan pelaksanaan 6. Monitoring, analyzing and reporting on the implementation 1. Struktur dan kedudukan SKAI; 1. Structure and position of SKAI;
tindak lanjut perbaikan yang telah direkomendasikan. of follow-up actions, the improvements that have been 2. Tugas dan tanggung jawab SKAI serta hubungan dengan unit 2. Duties and responsibilities of SKAI and its relations
recommended. kerja yang melakukan fungsi pengendalian lain. withother units that conduct other control functions.
7. Membuat laporan hasil audit dan menyampaikan laporan 7. Preparing an audit report and submitting to the President 3. Wewenang SKAI; 3. SKAI Authority;
tersebut kepada Direktur Utama, Dewan Komisaris dan Director, the Board of Commissioners and the Audit 4. Kode Etik SKAI; 4. SKAI Code of Ethics;
Komite Audit dengan tembusan kepada seluruh Direksi. Committee with a copy to all members of the Board of 5. Persyaratan auditor intern dalam SKAI; 5. Internal auditor requirements in SKAI;
8. SKAI dapat berperan sebagai konsultan bagi pihak-pihak Directors. 6. Pertanggungjawaban SKAI; 6. SKAI accountability;
intern yang membutuhkan, terutama yang menyangkut 8. SKAI is able to serve as a consultant for internal parties who 7. Larangan perangkapan tugas dan jabatan auditor SKAI dari 7. Prohibition of duplicate duties and positions of SKAI’s
ruang lingkup tugasnya dengan tetap berpedoman pada need it, especially those regarding the scope of their duties pelaksanaan kegiatan operasional Bank termasuk dalam internal auditors and executors from conducting the Bank’s
independensi dan objektivitas SKAI. while still guided by the independence and objectivity of perusahaan anak; operational activities, including subsidiaries;
SKAI. 8. Kriteria penggunaan tenaga ahli ekstern dalam mendukung 8. Criteria for the use of external experts in supporting the
9. SKAI dapat bekerjasama dengan Unit Kerja lain yang 9. SKAI can collaborate with other units that also perform fungsi audit intern; internal audit function;
juga menjalankan fungsi pengendalian yaitu Unit Kerja control functions, such as the Risk Management Unit, 9. Syarat dan ketentuan yang harus dipenuhi oleh SKAI untuk 9. Terms and conditions that SKAI must meet to maintain its
Manajemen Risiko, Unit Kerja Kepatuhan dan Unit Kerja Compliance Unit and Anti-Money Laundering and menjaga independensi apabila diminta untuk memberikan independence if requested to provide consulting services or
Anti Pencucian Uang dan Pencegahan Pendanaan Terorisme Countering the Financing of Terrorism (AML-CFT) Unit. layanan konsultasi atau tugas khusus lain; other special tasks;
(APU-PPT), namun tidak berarti pengalihan tugas tanggung However, this does not imply a transfer of responsibilities 10. Tanggung jawab dan akuntabilitas Kepala SKAI; 10. Responsibilities and accountability of the Head of SKAI;
jawab dari Unit Kerja Pengendalian. from the Control Unit. 11. Persyaratan untuk mematuhi Standar Profesional Audit 11. Requirements to comply with Internal Audit Professional
10. Mengikuti perkembangan produk-produk baru dari 10. Keeping track of developments in new Banking products. Intern; Standards;
Perbankan. 12. Prosedur dalam koordinasi fungsi SKAI dengan ahli hukum 12. Procedures in coordinating SKAI functions with legal experts
11. Melakukan pemeriksaan khusus apabila diperlukan. 11. Conducting special inspection if needed. atau auditor ekstern; or external auditors;
12. Menyiapkan laporan pelaksanaan dan pokok-pokok hasil 12. Preparing a report on the implementation and main points 13. Kebijakan pembatasan penugasan secara berkala dan masa 13. Policy on periodic assignment rotation and an adequate
audit yang akan disampaikan kepada Otoritas Jasa Keuangan of audit results to be submitted to OJK every semester. The tunggu (cooling-off period) penugasan yang memadai cooling-off period for SKAI members;
(OJK) setiap semester. Laporan tersebut ditandatangani oleh report is signed by the President Director and the Board of kepada anggota SKAI;
Direktur Utama dan Dewan Komisaris. Commissioners. 14. Kebijakan pembatasan penggunaan jasa dan masa tunggu 14. The policy on limiting the assignment of services and an
(cooling-off period) yang memadai bagi pihak auditor adequate cooling-off period for external auditors.
Tanggung Jawab SKAI SKAI Responsibilities ekstern.
1. Bekerja secara cermat untuk mengidentifikasi keadaan 1. Working carefully to identify situations and activities that
dan kegiatan yang berpotensi menimbulkan risiko have the potential to cause the risk of irregularities, fraud, Etika Profesional Professional Ethics
penyimpangan, fraud, kelemahan internal kontrol dan weaknesses in internal controls and provide suggestions Dalam melaksanakan fungsi audit intern, Kepala SKAI dan In meeting the internal audit function, the Head of SKAI and SKAI
memberikan saran untuk meningkatkan kepatuhan to improve compliance with policies and procedures in Anggota SKAI mengacu dan berpedoman pada Etika Profesional, Members refer to and are guided by Professional Ethics, which
terhadap kebijakan dan prosedur sesuai kebijakan, prosedur, accordance with the applicable policies, procedures, yang mencakup: includes:
ketentuan dan perundangan yang berlaku; provisions and laws; 1. Independensi dan objektivitas 1. Independence and objectivity
2. Mengikuti dan memahami ketentuan yang berlaku terkait 2. Following and understanding the applicable regulations Dalam melaksanakan tugas dan/fungsinya, SKAI harus In performing its duties and/functions, SKAI must act
dengan aktivitas operasional dan perkembangan produk related to operational activities and development of bertindak secara independen dan objektif dengan mengacu independently and objectively by referring to the applicable
dan jasa Perbankan; Banking products and services; pada standar yang berlaku. Dengan demikian maka Kepala standards. Thus, the Head of SKAI and all SKAI Auditors
3. Berperan sebagai konsultan bagi pihak intern Bank yang 3. Serving as a consultant for internal parties in the Bank who SKAI dan seluruh Auditor SKAI dalam melaksanakan tugas are not allowed to have concurrent duties and positions
membutuhkan, terutama yang terkait dengan ruang lingkup require it, especially those related to the scope of duties and dan tanggung jawabnya tidak boleh merangkap tugas dan in accomplishing their duties and responsibilities in the
tugas dan tanggung jawab SKAI dengan tetap berpedoman responsibilities of the SKAI by observing the independence jabatan dalam kegiatan operasional Bank. operational activities of the Bank.
pada independensi dan objektifitas SKAI; and objectivity of the SKAI;
4. Upaya peningkatan kompetensi SKAI melalui pendidikan 4. Efforts to enhance SKAI’s competence through continuous
profesi yang berkelanjutan. professional education.
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Tata Kelola Perusahaan
Good Corporate Governance
2. Integritas 2. Integrity
Kepala SKAI dan Anggota SKAI wajib memiliki integritas The Head and the Members of SKAI are required to have Tanggal / Date Aktivitas / Activities
dalam melaksanakan tugasnya yang tercermin dari tindakan integrity in operating their duties which are reflected in the
13 – 15 November 2024 / November 13 – 15, 2024 Audit Capem Wiyung / Wiyung Sub-Branch Audit
yang: actions that:
• Dapat diandalkan, tegas, jujur dan terpercaya; • Reliable, assertive, honest and trustworthy; 18 – 19 November 2024 / November 18 – 19, 2024 Audit Capem Kelapa Gading / Kelapa Gading Sub-Branch Audit
• Mampu menjaga kerahasiaan informasi yang • Able to maintain the confidentiality of information
diperoleh dalam pelaksanaan tugas; obtained in carrying out duties; 20 – 22 November 2024 / November 20 – 22, 2024 Audit Cabang Denpasar / Denpasar Branch Audit
• Dapat menghindari benturan kepentingan; dan • Can avoid conflicts of interest; and
• Wajib mengimplementasikan Kode Etik Audit Intern. • Obliged to implement the Internal Audit Code of Ethics. 18 – 22 November 2024 / November 18 – 22, 2024 Audit Unit Board Secretariat / Board of Secretariat Unit Audit
3. Kompetensi 3. Competence Audit Kepatuhan atas Single Customer View (SCV) /
Dalam melaksanakan fungsi audit intern, Kepala SKAI In implementing the internal audit function, the Head of 10 – 11 Desember 2024 / December 10 – 11, 2024
Compliance Audit of Single Customer View (SCV)
dan Anggota SKAI harus memiliki dan/atau senantiasa SKAI and SKAI Members must have and/or continuously
meningkatkan pengetahuan, keterampilan dan kompetensi improve the required knowledge, skills and competencies
yang dibutuhkan secara menyeluruh. as a whole. SISTEM PENGENDALIAN INTERN
INTERNAL CONTROL SYSTEM
Pernyataan Kemandirian (Independensi) SKAI SKAI Statement of Interpedence
SKAI dilarang merangkap tugas dan/atau mempunyai wewenang SKAI is prohibited from having concurrent duties and/or having Dalam rangka mencapai target bisnis dan meningkatkan nilai In order to achieve business targets and increase value for
dan tanggung jawab untuk melaksanakan kegiatan operasional the authority and responsibility to function the operational bagi para Pemangku Kepentingan (stakeholder), Bank telah stakeholders, the Bank has implemented an Internal Control
dari Auditee. activities of the Auditee. menerapkan Sistem Pengendalian Intern yang merupakan aspek System which is an important supervisory aspect in the
pengawasan yang penting dalam tata kelola Bank. governance of the Bank.
Pelaksanaan tugas SKAI pada tahun buku 2024 SKAI Duties Implementation in Fiscal Year 2024
Pemeriksaan yang dilakukan SKAI sampai dengan akhir Desember The audits carried out by SKAI until the end of December 2024 Untuk mendukung operasional Bank yang sehat dan prudent, To support sound and prudent Bank operations, the Bank
2024 telah dilaksanakan sesuai dengan Rencana Kerja SKAI tahun performed in accordance with the SKAI 2024 Work Plan as Bank senantiasa meningkatkan sistem pengendalian intern continues to improve its internal control system to ensure
untuk memastikan kecukupan aspek pengendalian intern, adequate aspects of internal control, increase the effectiveness of
2024 sebagai berikut: follows:
meningkatkan efektivitas pengelolaan risiko dalam tata kelola risk management in Bank governance, operational effectiveness
Bank, efektifitas dan efisiensi operasional, laporan keuangan dan and efficiency, financial statements and compliance with
kepatuhan terhadap ketentuan, peraturan dan perundangan applicable rules, laws and regulations.
yang berlaku.
Tanggal / Date Aktivitas / Activities
Dasar penetapan Sistem Pengendalian Intern Bank Basis for The Formation of Bank’s Internal Control System
12 – 16 Februari 2024 / February 12 – 16, 2024 Audit User Matrix / User Matrix Audit Penerapan Sistem Pengendalian Intern Bank telah dibuat The Implementation of the Bank’s Internal Control System has
sesuai dengan ketentuan Regulator, antara lain sebagai berikut: been made in accordance with the provisions of the Regulator,
19 – 29 Februari 2024 / February 19 – 29, 2024 Audit Kepatuhan LHPK - BI / LHPK – BI Compliance Audit including the following:
• Peraturan Otoritas Jasa Keuangan No. 18/POJK.03/2016 • Financial Services Authority Regulation No. 18/
26 Februari – 1 Maret 2024 / February 26 – March 1, 2024 Audit Cabang Medan / Medan Branch Audit tanggal 16 Maret 2016 tentang Penerapan POJK.03/2016 dated March 16, 2016 regarding Application
Manajemen Risiko Bagi Bank Umum, SEOJK No. 34/ of Risk Management for Commercial Banks, SEOJK No.
7 – 8 Maret 2024 / March 7 – 8, 2024 Audit Capem Kramat Jati / Kramat Jati Sub-Branch Audit SEOJK.03.2016 tanggal 1 September 2016 tentang 34/SEOJK.03.2016 dated September 1, 2016 regarding
Penerapan Manajemen Risiko Bagi Bank Umum; the Implementation of Risk Management for Commercial
2 – 5 April 2024 / April 2 – 5, 2024 Audit Unit Remedial / Remedial Unit Audit Banks;
• Surat Edaran Otoritas Jasa Keuangan No. 34/ SEOJK.03/2016 • Financial Services Authority Circular No. 34/SEOJK.03/2016
24 – 30 April 2024 / April 24 – 30, 2024 Audit Capem Sunter / Sunter Sub-Branch Audit tanggal 01 September 2016 tentang Penerapan Manajemen dated September 1, 2016 regarding the Implementation of
Risiko Bagi Bank Umum; Risk Management for Commercial Banks;
29 April – 15 Mei 2024 / April 29 – May 15, 2024 Audit Maturitas Digital Bank / Maturity Digital Bank Audit • Surat Edaran Otoritas Jasa Keuangan No. 35/ SEOJK.03/2017 • Financial Services Authority Circular No. 35/SEOJK.03/2017
tanggal 7 Juli 2017 tentang Pedoman Standar Sistem dated July 7, 2017 regarding Guidelines for Internal Control
15 – 16 Mei 2024 / May 15 – 16, 2024 Audit Capem MD Place / MD Place Sub-Branch Audit Pengendalian Intern Bagi Bank Umum. Systems Standards for Commercial Banks.
15 – 17 Mei 2024 / May 15 – 17, 2024 Audit Cabang Makassar / Makassar Branch Audit Penerapan Sistem Pengendalian Intern Implementation of Internal Control Systems
Pengendalian Intern Bank telah dilaksanakan oleh Dewan The Bank’s Internal Control has been carried out by the Board
Audit Cabang Coklat / Coklat Branch Audit Komisaris, Direksi dan seluruh Karyawan untuk memastikan of Commissioners, Directors and all Employees to ensure that
10 – 14 Juni 2024 / June 10 – 14, 2024 pengendalian telah berjalan dengan baik dan efektif yang the control runs properly and effectively. The followings are 5
Audit Divisi Human Capital / Human Capital Division Audit mencakup 5 komponen, yaitu: important components of the Bank’s internal control:
1. Pengawasan oleh Manajemen dan Budaya Pengendalian; 1. Supervision by Management and Control Culture;
Audit Divisi Teknologi Informasi /
19 – 28 Juni 2024 / June 19 – 28, 2024 2. Identifikasi dan Penilaian Risiko; 2. Risk Identification and Evaluation;
Information Technology Division Audit
3. Kegiatan Pengendalian dan Pemisahan Fungsi; 3. Control and Separation of Functions;
Audit Sistem Layanan Informasi Keuangan (SLIK) / 4. Sistem Akuntansi, Informasi dan Komunikasi ; 4. Accounting, Information and Communication System;
Financial Information Service System (SLIK) Audit 5. Kegiatan Pemantauan dan Tindakan Koreksi Penyimpangan. 5. Monitoring Activities and Corrective Actions for Deviations.
15 – 19 Juli 2024 / July 15 – 19, 2024
Audit Cabang Tunjungan / Tunjungan Branch Audit
12 – 23 Agustus 2024 / August 12 – 23, 2024 Audit Cabang Samanhudi / Samanhudi Branch Audit
24 – 25 Oktober 2024 / October 24 – 25, 2024 Audit Cabang Bandung / Bandung Branch Audit
PT BANK OF INDIA INDONESIA Tbk PT BANK OF INDIA INDONESIA Tbk
176 Laporan Tahunan 2024 Annual Report 2024 177
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Tata Kelola Perusahaan
Good Corporate Governance
Pernyataan Kecukupan Pengendalian Intern Statement of Internal Control Adequacy daya manusia melalui kegiatan pelatihan/training dan atau also joint discussions with relevant work units, as well as
Direksi dan Dewan Komisaris berkomitmen untuk memastikan The Board of Directors and the Board of Commissioners are workshop. efforts to enhance human resource competencies through
bahwa Tata Kelola Perusahaan yang mencakup governance committed to ensuring that Corporate Governance, which 2. Meminimalisir dan mengelola risiko kepatuhan yang training and or workshops.
structure, governance process dan governance outcome telah includes governance structure, governance processes and dihadapi oleh Bank dengan memperbaiki Tingkat Kesehatan 2. Minimize and manage compliance risks faced by the Bank
dijalankan dengan baik untuk mencapai tujuan dan meningkatkan governance outcomes, has been well implemented to achieve Bank dan membuat rencana tindak perbaikan tingkat by improving the Bank's Health Level and creating an action
nilai Bank. goals and increase the value of the Bank. kesehatan Bank dan rencana tindak penerapan tata kelola; plan for improving the Bank's Health Level and an action
3. Memastikan kebijakan, ketentuan, sistem dan prosedur plan for implementing governance;
Direksi bertanggung jawab untuk menerapkan sistem The Board of Directors is responsible for implementing an serta kegiatan usaha yang dilakukan Bank telah sesuai 3. Ensure that policies, provisions, systems and procedures
pengendalian intern yang wajib dilaksanakan oleh seluruh internal control system that must be carried out by all Directors, dengan ketentuan Otoritas Jasa Keuangan dengan as well as business activities carried out by the Bank are
Direksi, jajaran Pejabat Bank, Karyawan Bank, Komite Eksekutif Bank Officials, Bank Employees, Executive Committees and melakukan compliance testing terhadap aktivitas sebagai in accordance with the provisions of the Financial Services
dan Satuan Kerja Audit Intern. Intern Audit Working Unit. berikut: Authority by conducting compliance testing of the following
• Review kepatuhan terhadap prosedur Bank dan review activities:
Dewan Komisaris yang dibantu oleh Komite Audit bertanggung The Board of Commissioners assisted by the Audit Committee Kepatuhan terhadap produk dan jasa aktivitas baru; • Compliance review of Bank procedures as well as new
jawab untuk memastikan sistem pengendalian intern telah is responsible for ensuring that the internal control system has • Review terhadap pemberian kredit untuk plafond tertentu. products and services activities;
berjalan baik dan efektif yang mencakup antara lain: been running well and effectively which includes the following: 4. Memastikan kepatuhan Bank terhadap Regulator • Review of credit provision for certain ceilings.
• Operasional Bank telah dijalankan secara efektif, efisien dan • Bank operational has been carried out effectively, efficiently dengan meningkatkan compliance monitoring dengan 4. Ensure the Bank's compliance with Regulators by improving
sistem pengendalian intern telah berjalan efektif. and the internal control system has been effective. menindaklanjuti kepada Unit kerja terkait pemenuhan compliance monitoring by following up with the relevant
• Laporan Keuangan yang akurat, wajar, dapat diandalkan • Financial reports that are accurate, reasonable, accountable komitmen Bank terhadap tindaklanjut laporan hasil work units on the Bank's commitment to fulfil the OJK
dan tepat waktu. and timely. pemeriksaan OJK dan Regulator lain serta memantau prinsip and other Regulators' audit reports and monitoring the
• Kepatuhan terhadap ketentuan dan perundangan yang • Compliance with applicable rules and regulations has been kehati-hatian Bank terhadap BMPK, KPMM, PDN dan Modal Bank's prudential principles on BMPK, KPMM, PDN and
berlaku telah dijalankan dengan baik. implemented properly. Inti dengan menggunakan data dari unit kerja terkait; Core Capital by using data from the relevant work units;
• Pengamanan aset Bank telah dijalankan dengan baik. • Securing the assets of the Bank has been carried out 5. Memastikan kepatuhan Bank terhadap Regulator
properly. dengan meningkatkan compliance monitoring dengan 5. Ensuring the Bank's compliance with the Regulator by
menindaklanjuti kepada Unit kerja terkait pemenuhan improving compliance monitoring and following up
Evaluasi Efektivitas Pengendalian Intern Evaluation of the Internal Control Effectiveness komitmen Bank terhadap tindaklanjut laporan hasil with the relevant work units on the Bank's commitment
Selama periode tahun 2024 Bank telah menerapkan sistem During the period of 2024 the Bank has implemented internal pemeriksaan OJK dan Regulator lain serta memantau prinsip to addressing the follow-up reports of OJK and other
pengendalian intern sesuai dengan prinsip-prinsip pengendalian control system in accordance with the control principles and kehati-hatian Bank terhadap BMPK, KPMM, PDN dan Modal Regulators' examination results, as well as monitoring the
dan secara keseluruhan kualitas sistem pengendalian intern overall the quality of the internal control system has been Inti dengan menggunakan data dari unit kerja terkait. Bank's prudential principles regarding BMPK, KPMM, PDN
telah berjalan dengan baik dan efektif. running well and effectively. and Core Capital using data from the relevant work units.
Laporan fungsi kepatuhan telah disampaikan kepada Otoritas The compliance function report has been submitted to the
PENERAPAN FUNGSI KEPATUHAN Jasa Keuangan secara semesteran dan tembusan kepada Direktur Financial Services Authority on a semesterly basis and forwarded
COMPLIANCE FUNCTION IMPLEMENTATION Utama dan Dewan Komisaris. Cakupan laporan pelaksanaan to the President Director and the Board of Commissioners. The
tugas Direktur Kepatuhan tersebut di atas telah sesuai dengan scope of the Compliance Director's report mentioned above
Bank telah menerapkan fungsi kepatuhan dalam rangka Bank has implemented the compliance function in order to ketentuan Otoritas Jasa Keuangan. Walaupun demikian, Bank has complied with the regulations of the Financial Services
memenuhi ketentuan Peraturan Otoritas Jasa Keuangan No. 46/ comply with the provisions of Financial Services Authority akan terus berupaya meningkatkan budaya kepatuhan dalam Authority. Nevertheless, the Bank will continue to strive to
POJK.03/2017 tanggal 12 Juli 2017 tentang Pelaksanaan Fungsi Regulation No. 46/POJK.03/2017 dated July 12, 2017, regarding pengambilan keputusan dan dalam kegiatan operasional Bank improve the compliance culture in decision-making and in the
Kepatuhan Bank Umum, yang meliputi tindakan sebagai berikut: the Implementation of the Compliance Function of Commercial secara lebih baik lagi. Bank's operational activities even further.
1. Mewujudkan terlaksananya budaya kepatuhan pada semua Banks, which includes the following actions:
tingkatan organisasi dan kegiatan usaha Bank;
2. Mengelola risiko kepatuhan yang dihadapi oleh Bank;
1. Realizing the implementation of compliance culture at all
levels of the Bank's organization and business activities;
AKUNTAN PUBLIK
3. Memastikan agar kebijakan, ketentuan, sistem dan prosedur 2. Managing compliance risks faced by the Bank; PUBLIC ACCOUNTANT
serta kegiatan usaha yang dilakukan oleh Bank telah sesuai 3. Ensuring that policies, provisions, systems and procedures
dengan ketentuan Otoritas Jasa Keuangan dan ketentuan as well as business activities carried out by the Bank are Fungsi Audit Eksternal External Audit Function
peraturan perundang-undangan yang berlaku; dan in accordance with the provisions of the Financial Services
1. Pelaksanaan Audit oleh Auditor Eksternal 1. Audit Implementation by External Auditor
4. Memastikan kepatuhan Bank terhadap komitmen yang Authority and applicable laws and regulations; and Penunjukan Kantor Akuntan Publik dan Akuntan Publik The appointment of the Public Accounting Firm and
dibuat oleh Bank kepada Otoritas Jasa Keuangan dan/atau 4. Ensuring the Bank's compliance with commitments made telah sesuai dengan ketentuan yang berlaku yaitu terdaftar Public Accountant complied with applicable regulations,
otoritas pengawas lain yang berwenang. by the Bank to the Financial Services Authority and/or other di Otoritas Jasa Keuangan, KAP dan AP yang ditunjuk tidak including registration with the Financial Services
authorized supervisory authorities. melebihi dari 5 tahun buku dan Penunjukan tersebut telah Authority (OJK), a tenure limit of no more than 5 fiscal
Untuk memenuhi ketentuan Otoritas Jasa Keuangan terkait sesuai Rapat Umum Pemegang Saham (RUPS) dan telah years and approval through the General Meeting of
fungsi kepatuhan, Bank juga telah mengangkat Direktur yang To comply with the Financial Services Authority regulations mendapat rekomendasi dari Komite Audit melalui Dewan Shareholders (GMS) based on recommendations from
membawahkan fungsi Kepatuhan yang bertanggung jawab regarding the compliance function, the Bank has also appointed Komisaris. the Audit Committee via the Board of Commissioners.
kepada Direktur Utama dan membawahi Satuan Kerja Kepatuhan a Director overseeing the Compliance function, who reports to
dan APU PPT, Satuan Kerja Manajemen Risiko dan Unit Sistem the President Director and supervises the Compliance and AML/ Berdasarkan kewenangan yang diberikan RUPS, Kantor Based on the authority granted by the GMS, the Public
Akuntan Publik Kanaka Puradiredja, Suhartono telah Accounting Firm Kanaka Puradiredja, Suhartono has
dan Prosedur sebagaimana tertuang dalam Surat Keputusan No. CFT Working Unit, the Risk Management Unit and the Systems
mengaudit laporan keuangan Bank untuk tahun buku yang audited the Bank’s financial statements for the fiscal year
398/KP-HCS/SK/DAK/X/2024 tanggal 10 Oktober 2024 tentang and Procedures Unit, as outlined in Decision Letter No. 398/ berakhir pada tanggal 31 Desember 2024 dengan pendapat ended December 31, 2024, with an opinion that the Bank’s
Struktur Organisasi PT Bank of India Indonesia Tbk. KP-HCS/SK/DAK/X/2024 dated October 10, 2024, concerning bahwa Laporan keuangan Bank telah disajikan sesuai dengan financial statements have been presented in accordance
Pelaksanaan Program Kerja Fungsi Kepatuhan Tahun 2024: the Organizational Structure of PT Bank of India Indonesia Tbk. prinsip-prinsip Akuntansi yang berlaku umum di Indonesia. with generally accepted accounting principles in Indonesia.
1. Mewujudkan terlaksananya budaya kepatuhan pada semua Implementation of Compliance Function Work Program in 2024:
tingkatan organisasi dan kegiatan usaha Bank melalui 1. Realizing the implementation of a compliance culture at
sosialisasi ketentuan otoritas (OJK/BI/peraturan perundang- all levels of the Bank's organization and business activities
undangan lain yang berlaku) dan ketentuan intern Bank through the dissemination of regulatory provisions (OJK/
melalui surat/memo dan atau email yang diedarkan Direksi, BI/other applicable laws and regulations) and the Bank's
satuan kerja terkait dan juga diskusi bersama dengan satuan internal regulations via letters/memos and or emails
kerja terkait, serta upaya peningkatan kompetensi sumber circulated by the Board of Directors, relevant work units and
PT BANK OF INDIA INDONESIA Tbk PT BANK OF INDIA INDONESIA Tbk
178 Laporan Tahunan 2024 Annual Report 2024 179
Page 92
Tata Kelola Perusahaan
Good Corporate Governance
Jasa Lain yang Diberikan Selain Jasa Audit Keuangan mengendalikan risiko dengan tujuan untuk memastikan seluruh in order to make sure that all businesses conducted by the Bank
Other Services Provided Other than Financial Audit Services kegiatan usaha yang dilakukan oleh Bank tidak menimbulkan does not cause a loss that jeopardizes the Bank or disrupt the
kerugian yang melebihi kemampuan Bank atau yang dapat continued businesses conducted by the Bank.
Jasa Lain yang Diberikan Selain Jasa Audit Keuangan Alamat / Address Periode / Periode mengganggu kelangsungan usaha Bank
Kantor Akuntan Publik Kanaka Puradiredja, Suhartono Wisma Bumiputera Lt. 12 2024
Bank mengelola 8 jenis risiko sesuai ketentuan Otoritas Jasa The Bank manages 8 types of risks in accordance to the regulations
Public Accountant Office Kanaka Puradiredja, Suhartono Jl. Jend. Sudirman kav.75, Jakarta Pusat
Wisma Bumiputera, 12th Floor Keuangan yaitu risiko kredit, risiko pasar, risiko likuiditas, risiko of the Financial Service Authority which are credit risks, market
Jl. Jend. Sudirman Kav. 75, Central Jakarta operasional, risiko hukum, risiko strategis, risiko kepatuhan risks, liquidity risks, operational risks, legal risks, strategic risks,
dan risiko reputasi. Penerapan manajemen risiko pada Bank compliance risks and reputational risks. The implementation of
Kantor Akuntan Publik Kanaka Puradiredja, Suhartono Wisma Bumiputera Lt. 12 2023 mencakup pula pengelolaan risiko terhadap produk dan aktivitas the risk management by the Bank also encompasses managing
Public Accountant Office Kanaka Puradiredja, Suhartono Jl. Jend. Sudirman kav.75, Jakarta Pusat
baru. risks in products and new activities.
Wisma Bumiputera, 12th Floor
Jl. Jend. Sudirman Kav. 75, Central Jakarta
Gambaran Umum Mengenai Sistem Manajemen Risiko Emiten Overview of Risk Management System for Issuers or Public
Kantor Akuntan Publik Tanubrata, Sutanto, Fahmi, Puri Indah Financial Tower Lt. 19 2022 atau Perusahaan Publik Companies
Bambang dan Rekan (anggota dari BDO Internasional) Jl. Puri Lingkar Dalam Blok T8, Jakarta Barat
Public Accountant Office Tanubrata, Sutanto, Fahmi, Puri Indah Financial Tower, 19th Floor
Bambang and Partners (member of BDO Internasional) Jl. Puri Lingkar Dalam Blok T8, West Jakarta Penerapan manajemen risiko Bank dilakukan melalui rangkaian The implementation of risk management by the Bank is conducted
proses yang meliputi proses identifikasi, pengukuran, through a series of processes that include identification,
Kantor Akuntan Publik Tanubrata, Sutanto, Fahmi, Puri Indah Financial Tower Lt. 19 2021 pemantauan dan pengendalian risiko. Dalam menjalankan measurement, monitoring and risk control. In conducting
Bambang dan Rekan (anggota dari BDO Internasional) Jl. Puri Lingkar Dalam Blok T8, Jakarta Barat kegiatan usahanya, Bank menerapkan manajemen risiko yang its business activities, the Bank implements a type of risk
Public Accountant Office Tanubrata, Sutanto, Fahmi, Puri Indah Financial Tower, 19th Floor dapat berdampak secara langsung terhadap bisnis, operasional management that affects business, operations and organisations
Bambang and Partners (member of BDO Internasional) Jl. Puri Lingkar Dalam Blok T8, West Jakarta dan organisasi seperti dalam mengkaji perpanjangan, directly such as reviewing extensions, additions, changes and
penambahan, perubahan dan pengajuan kredit baru. Selain new credit applications. In addition, the risk management work
Kantor Akuntan Publik Tanubrata, Sutanto, Fahmi, Puri Indah Financial Tower Lt. 19 2020 itu, secara berkala satuan kerja manajemen risiko melakukan unit periodically monitors the performance of fund distribution
Bambang dan Rekan (anggota dari BDO Internasional) Jl. Puri Lingkar Dalam Blok T8, Jakarta Barat
pemantauan atas kinerja penyaluran dana oleh Bank baik by the Bank both in terms of portfolio and quality and adequacy
Public Accountant Office Tanubrata, Sutanto, Fahmi, Puri Indah Financial Tower, 19th Floor
Bambang and Partners (member of BDO Internasional) Jl. Puri Lingkar Dalam Blok T8, West Jakarta secara portofolio dan kualitas maupun kecukupan pembentukan of the formation of Allowance for Impairment Losses (CKPN) so
Cadangan Kerugian Penurunan Nilai (CKPN) sehingga dapat that it can describe the Bank's overall credit risk profile.
menggambarkan profil risiko kredit Bank secara keseluruhan.
Sepanjang tahun 2024, Kantor Akuntan Publik Kanaka Throughout 2024, the Public Accounting Firm Kanaka Puradiredja,
Puradiredja, Suhartono tidak memberikan jasa lain bagi Bank Suhartono did not provide any services to the Bank other than Dalam mendukung penerapan manajemen risiko, Bank menyusun In supporting its risk management implementation, the Bank
selain jasa audit keuangan. financial audit services. kebijakan, prosedur, kompetensi, akuntabilitas, pelaporan dan organizes policies, procedures, competencies, accountabilities,
teknologi pendukung yang secara berkesinambungan dilakukan reports and supporting technologies that are updated in tandem
2. Pelaksanaan Audit oleh Otoritas Jasa Keuangan 2. Audit by the Financial Services Authority
Otoritas Jasa Keuangan (OJK) telah melaksanakan The Financial Services Authority (OJK) conducted an pengkinian agar dalam penerapan manajemen risiko menjadi to ensure that the implementation of risk management becomes
pemeriksaan Bank untuk tahun 2024 berdasarkan surat OJK examination of the Bank for the year 2024, as stated in OJK semakin prudent dan senantiasa memenuhi prinsip keterbukaan more prudent and always comply with the principles of openness
No. SR-154/PB.32/2024 tanggal 2 September 2024 tentang Letter No. SR-154/PB.32/2024 dated September 2, 2024 perusahaan publik. of public companies.
Rencana Pemeriksaan Umum posisi 31 Juli 2024 terhadap regarding the General Examination Plan as of July 31, 2024
PT Bank of India Indonesia Tbk. Pemeriksaan dilakukan for PT Bank of India Indonesia Tbk. The examination was
Jenis Risiko dan Cara Pengelolaannya Type of Risk and Management Method
sejak bulan September 2024 sampai dengan exit meeting carried out from September 2024 until the exit meeting on
pemeriksaan pada tanggal 5 Desember 2024. December 5, 2024. Memenuhi Peraturan Otoritas Jasa Keuangan No. 18/ To satisfy the Financial Service Authority Regulations No. 18/
POJK.03/2016 tanggal 16 Maret 2016 tentang Penerapan POJK.03/2016 of March 16, 2016 about the Implementation of
Manajemen Risiko Bagi Bank Umum dan Surat Edaran Otoritas Risk Management for the Public Bank and the Circular Letter
MANAJEMEN RISIKO Jasa Keuangan No. 34/SEOJK.03/2016 tanggal 7 September 2016 of the Financial Services Authority No. 34/SEOJK.03/2016 of 7
RISK MANAGEMENT tentang Penerapan Manajemen Risiko bagi Bank Umum, Bank September 2016 about the Implementation of Risk Management
telah menerapkan manajemen risiko untuk 8 jenis risiko. Adapun for the Public Bank, the Bank has implemented risk managements
Bank menyadari bahwa situasi lingkungan eksternal dan internal The Bank realizes that the external and internal situation in its 8 jenis risiko yang dikelola Bank sebagai berikut: on 8 types of risks. These 8 risks are as follows;
Perbankan mengalami perkembangan pesat yang diiringi pula scope undergo a rapid development that is also followed by even 1. Risiko Kredit 1. Credit Risk
dengan semakin kompleksnya risiko-risiko yang dihadapi Bank more complex risks that the Bank has to face in conducting its 2. Risiko Pasar 2. Market Risk
dalam menjalankan kegiatan usahanya. Hal ini mendorong Bank business. This encourages the Bank to continuously enhance 3. Risiko Likuiditas 3. Liquidity Risk
untuk terus meningkatkan penerapan prinsip-prinsip Tata Kelola the implementation of good corporate governance principles as 4. Risiko Operasional 4. Operational Risk
perusahaan yang baik serta pengelolaan risiko yang efektif sesuai well as an effective risk management in accordance to the rules 5. Risiko Hukum 5. Legal Risk
dengan peraturan regulator dan perundang-undangan berlaku that apply surrounding good corporate governance as well as 6. Risiko Strategis 6. Strategic Risk
yang mengatur tentang penerapan Tata Kelola serta penerapan the implementation of risk management by the public Bank and 7. Risiko Kepatuhan 7. Compliance Risk
manajemen risiko bagi Bank umum dan perusahaan publik. corporation. 8. Risiko Reputasi 8. Reputational Risk
Sebagai upaya untuk merespon situasi tersebut, Bank telah In an effort to respond to this situation, the Bank has implemented Penerapan manajemen risiko Bank dilakukan melalui proses The implementation of risk management by the Bank is
menetapkan kebijakan dan strategi manajemen risiko yang policies and strategies in risk management which are berikut: conducted through this process;
diterapkan melalui serangkaian metodologi dan prosedur yang implemented through a series of methodologies and procedures 1. Identifikasi, yang dilakukan melalui aktivitas antara lain: 1. Identify, which is done by activities such as;
digunakan untuk mengidentifikasi, mengukur, memantau dan that are used to identify, measure, monitor and control said risks • Proses identifikasi dan pengukuran risiko atas seluruh • Identification and measurement process on risk over all
aktivitas penyaluran dana melalui pemberian kredit dan of fund circulation through providing credit and funds
penempatan dana antar Bank dilakukan melalui suatu allocation between the Bank is conducted through a
proses analisis kredit dan penetapan peringkat atau process of credit analysis and the establishment of the
kualitas debitur (credit rating); rating and quality of the debtor (credit rating);
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Tata Kelola Perusahaan
Good Corporate Governance
• Pengukuran risiko kredit dan operasional dilaporkan • Credit and operational risk measurement is reported seluruh pelaksanaan kegiatan usaha dan operasional business and operational activities at all levels of
setiap 3 bulan dan selanjutnya dibuatkan penyusunan every 3 months and is then organized into a risk profile. pada seluruh jenjang organisasi Bank melalui Divisi the Bank organization through the Internal Audit
profil risiko. Audit Intern. Selain itu, penerapan manajemen risiko Division. Apart from that, the implementation of risk
2. Pengukuran, yang dilakukan melalui aktivitas antara lain: 2. Measurement, which is done by activities such as; juga dilakukan dalam bentuk kegiatan pelatihan risk management is also carried out in the form of risk
• Bank menetapkan risk appetite melalui penetapan limit • The Bank establishes a risk appetite through the awareness dalam bentuk sosialisasi dan peningkatan awareness training activities in the form of socialization
transaksi antar Bank berupa money market limit dan establishment of transactional limit between the Banks kompetensi. Sosialisasi diberikan dalam rangka and increasing competence. Socialization is provided
foreign exchange limit. Sedangkan limit transaksi lainnya in the form of money market limit and foreign exchange meningkatkan budaya sadar risiko. Sosialisasi tersebut in order to increase the risk awareness culture. This
seperti Batas Maksimum Pemberian Kredit (BMPK), limit. Meanwhile, other transactional limits such as legal dilaksanakan antara lain dalam bentuk pelatihan outreach is carried out, among other things, in the
Posisi Devisa Neto, serta batasan lainnya ditetapkan lending limit (BMPK), net foreign exchange position, as sertifikasi manajemen risiko dan ketentuan manajemen form of risk management certification training and risk
sesuai ketentuan yang berlaku; well as other limits are regulated according to relevant risiko. management provisions.
regulations;
• Bank menyampaikan laporan profil risiko kepada • The Bank reports its risk profiles to the Financial Services
Otoritas Jasa Keuangan secara triwulanan. Authority on a quarterly basis.
Tinjauan Atas Efektivitas Sistem Manajemen Risiko Review of the Effectiveness of Risk Management System for
3. Pemantauan, yang dilakukan melalui aktivitas antara lain: 3. Monitoring, which is done by activities such as;
Emiten atau Perusahaan Publik Issuers or Public Companies
• Pengawasan aktif Dewan Komisaris, berupa pengawasan • Active monitoring of the Board of Commissioners on
Penilaian secara berkala terhadap 8 jenis risiko dipaparkan Periodic assessments of 8 types of risk are presented in the risk
atas kebijakan operasional Bank secara umum, seperti the operational policies of the Bank in general, such as
dalam laporan profil risiko, yang menggambarkan peringkat profile report, which describes the risk rating for each type of risk
pelaksanaan Tata Kelola Perusahaan yang baik, Good Corporate Governance, strategy, internal control,
risiko dari masing - masing jenis risiko dan peringkat risiko secara and the overall risk rating (composite).
penentuan strategi, pengendalian internal, kepatuhan, compliances, investments, performance targets and risk
keseluruhan (komposit).
investasi, target kinerja dan manajemen risiko. Dalam management. In conducting its monitoring function, the
menjalankan fungsi pengawasan, Dewan Komisaris Board of Commissioners are able to conduct a meeting
Penilaian profil risiko Bank secara mandiri (self-assessment) The Bank's independent risk profile assessment (self-assessment)
dapat melakukan rapat langsung dengan Direksi; with the Board of Directors.
dilakukan sesuai dengan ketentuan yang diatur pada Surat is carried out in accordance with the provisions stipulated in OJK
• Pengawasan aktif oleh Direksi dilakukan melalui rapat- • Active supervision by the Board of Directors is carried
Edaran OJK No. 14/SEOJK.03/2017 tentang Tingkat Kesehatan Circular Letter No. 14/SEOJK.03/2017 regarding Bank Health
rapat yang membahas masalah operasional seperti Unit out through meetings that address operational issues
Bank dengan menggunakan 2 indikator penilaian yaitu: Level using 2 assessment indicators, namely:
kerja Bisnis, Kantor Cabang/Capem, Unit kerja Legal dan such as Business Units, Branch/Sub-Branch Offices,
• Risiko Inheren, yang merupakan hasil penilaian berdasarkan • Inherent Risk, which is the result of an assessment based
Remedial, pembahasan temuan SKAI, rapat antar Divisi, Legal and Remedial Units, discussions of Internal Audit
faktor penilaian dan indikator kuantitatif maupun kualitatif on assessment factors and quantitative and qualitative
rapat ALCO dan Komite Manajemen Risiko; findings, inter-Division meetings, ALCO meetings and
sehingga dapat menggambarkan risiko yang melekat indicators so that it can describe the risks inherent in the
Risk Management Committee meetings;
(inheren) pada Bank. Penilaian peringkat risiko inheren Bank. The inherent risk rating assessment consists of 5
• Keputusan pemberian kredit kepada Selain Pihak • Decisions to grant credit to non-Related Parties in stages
terdiri dari 5 skala yaitu low, low to moderate, moderate, scales, namely low, low to moderate, moderate, moderate
Terkait secara berjenjang harus mendapat persetujuan must be approved by the Board of Directors (except the
moderate to high dan high; to high and high;
Direksi (kecuali Direktur Kepatuhan) dan melalui unit Compliance Director) and through the relevant work
• Kualitas penerapan manajemen risiko merupakan suatu • The quality of risk management implementation is a
kerja terkait menyampaikan laporannya secara berkala units by submitting periodic reports to the Board of
kesimpulan atas penerapan manajemen risiko Bank yang conclusion on the Bank's risk management implementation
kepada Dewan Komisaris; Commissioners;
terdiri dari Tata Kelola risiko, kerangka manajemen risiko, which consists of risk governance, risk management
• Keputusan pemberian kredit kepada Pihak Terkait • Decisions to grant credit to Related Parties must be
proses manajemen risiko, Sumber Daya Manusia (SDM) framework, risk management process, Human Resources
harus mendapatkan persetujuan sampai dengan Dewan approved by the Board of Commissioners;
dan Management Information System (MIS) serta sistem (HR) and Management Information System (MIS) as well as
Komisaris;
pengendalian risiko. Penilaian peringkat kualitas penerapan the risk control system. The assessment of the quality of risk
• Direksi secara aktif mengkaji ulang kebijakan dan • The Board of Directors actively review the Bank's work
manajemen risiko terdiri dari 5 skala yaitu strong, management implementation consists of 5 scales, namely
prosedur kerja Bank, serta evaluasi atas pencapaian policies and procedures, as well as evaluating the
satisfactory, fair, marginal dan unsatisfactory. Penjelasan strong, satisfactory, fair, marginal and unsatisfactory.
Rencana Bisnis Bank; achievement of the Bank's Business Plan;
terkait manajemen risiko juga dapat dilihat secara lengkap Explanations related to risk management can also be seen
• Pengawasan berkala dari Direksi dan Dewan Komisaris • Periodic supervision by the Board of Directors and Board
pada laporan keuangan yang telah diaudit poin 38. in full in the audited financial report point 38.
atas seluruh aktivitas yang memiliki risiko maupun of Commissioners on all activities that have risks or
potensi risiko di masa mendatang dilakukan minimal potential risks in the future is carried out at least every
setiap triwulan dalam rapat Komite Pemantau Risiko;
• Pemantauan atas eksposur risiko dilakukan oleh satuan
quarter at the Risk Monitoring Committee meeting;
• Monitoring of risk exposure is carried out by work units
PERMASALAHAN HUKUM
LITIGATION
kerja yang independen dari unit pengambil risiko yaitu that are independent from the risk-taking unit, namely
Divisi Kepatuhan, Divisi Manajemen Risiko, Divisi Audit the Compliance Division, Risk Management Division,
Selama Tahun 2024, terdapat beberapa perkara hukum yang During 2024, there were few litigation faced by the Bank and are
Intern dan Komite ALCO. Internal Audit Division and ALCO Committee.
dihadapi oleh Bank dan saat ini masih dalam proses penyelesaian. currently still in the process of being resolved. So far, the legal
4. Pengendalian, yang dilakukan melalui aktivitas antara lain: 4. Control, which is done by activities such as;
Sejauh ini, permasalahan hukum yang dihadapi tidak berpengaruh issues faced have not significantly affected the Bank's financial
• Bank menyusun kebijakan dan prosedur pengelolaan • The Bank compiles policies and procedures of
secara signifikan terhadap kondisi keuangan Bank. condition.
risiko mencakup antara lain produk/transaksi yang risk management that encompasses production/
mengandung risiko, penetapan limit, penetapan tugas, transaction that includes risk, establishment of limits,
wewenang dan tanggung jawab masing-masing bagian, establishments of works, authority and responsibility of
sistem pelaporan dan dokumentasi, serta sistem each section, reporting and documentation system and
pengendalian intern; internal control system;
• Bank menerapkan Assets and Liabilities Management • The Bank implements Asset and Liabilities Management
(ALMA) dalam melaksanakan fungsi pengendalian risiko (ALMA) in conducting its risk control interests, exchange
suku bunga, risiko nilai tukar (valuta asing) dan risiko rate risks (foreign values) and liquidity risks;
likuiditas;
• Bank melaksanakan sistem pengendalian intern • The Bank conducts an internal system of control
secara konsisten dan berkesinambungan terhadap consistently and relevant to all implementation of
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Tata Kelola Perusahaan
Good Corporate Governance
Jumlah Kasus / Total Cases
KODE ETIK BANK
CODE OF CONDUCT
Permasalahan Hukum / Legal Cases Perdata / Civil Pidana / Criminal
Penetapan Kode Etik merupakan upaya dari Bank untuk Establishment of Codes of Conduct was a concrete effort by
Telah mendapat putusan yang mempunyai kekuatan membangun nilai-nilai kepercayaan, profesionalisme dan The Bank in establishing the values of trust, professionalism
hukum tetap (inkracht)
Case that has received a decision which has permanent 6 - integritas serta membangun perilaku disiplin, bertanggung and integrity and to build a discipline behavior, responsible,
legal force (inkracht) jawab, cepat tanggap, berinisiatif, ahli dibidangnya, mampu responsive, initiative, experts in their fields, able to work as team,
bekerjasama, peka dan peduli untuk kebaikan serta tidak sensitive and care for goodness and not misuse the authority,
Dalam proses penyelesaian menyalahgunakan jabatan yang pada akhirnya diharapkan dapat which in turn was expected to foster the trust of shareholders
9 -
In completion process menumbuhkan kepercayaan pemegang saham kepada Bank. to the Company.
Total 15 -
Kode Etik Bank berlaku bagi anggota Dewan Komisaris, anggota The Bank’s Codes of Conduct applies to members of the Board
Direksi dan seluruh Karyawan Bank. Bank senantiasa menegakan of Commissioners, members of the Board of Directors and all
Kode Etik yang sejalan dengan visi dan misi yang ingin dicapai Bank Employees. The Bank always upholds the Codes of Conduct
SANKSI ADMINISTRATIF oleh Bank dan telah mensosialisasikan Kode Etik Bank melalui which is in line with the vision and mission to be achieved by the
ADMINISTRATIVE SANCTIONS buku saku peraturan perusahaan yang didistribusikan kepada Bank and has socialized the Bank’s Codes of Conduct through a
seluruh Karyawan dan/atau ketika tanda tangan perjanjian kerja pocket book of company regulations distributed to all employees
Sepanjang tahun 2024, tidak ada sanksi administratif yang Throughout 2024, there were no material administrative (penerimaan karyawan). and/or in contract signing (employee recruitment).
bersifat material yang dikenakan kepada Bank, anggota Dewan sanctions imposed on the Bank, members of the Board of
Komisaris dan anggota Direksi, oleh Otoritas Jasa Keuangan Commissioners and members of the Board of Directors, by the Adapun poin-poin pokok yang terkait dengan Kode Etik The key points related to the Company’s Codes of Conduct are
dan otoritas lainnya. Namun, Bank mendapatkan beberapa Financial Services Authority and other authorities. However, Perusahaan adalah sebagai berikut: as follows:
sanksi administratif dari Regulator yang jumlahnya tidak the Bank received several administrative sanctions from the • Mematuhi peraturan internal, peraturan Bank Indonesia, • Comply with internal regulations, the regulation from Bank
signifikan dengan rincian sebagai berikut: Regulator with the following details: peraturan Otoritas Jasa Keuangan dan peraturan Indonesia, the regulation from The Authority of Financial
perundangan lainnya yang berlaku; Services and other applicable legislation;
• Menolak penyuapan dan korupsi; • Reject any form of bribery and corruption;
• Menghindari kompromi karena hadiah dan hiburan; • Refuse to compromise due to gifts and entertainment;
Periode / Period Keterangan / Description • Mencegah pencucian uang dan fraud; • Prevent money laundering and fraud;
• Menghindari benturan kepentingan; • Avoid conflict of interest;
• Cepat dan tanggap dalam menangani keluhan pelanggan; • Fast and responsive in handling customer complaints ;
Januari 2024 Kesalahan pelaporan LBUT dan kesalahan Pelaporan Sistem Layanan Informasi Keuangan (SLIK).
January 2024 Errors in LBUT reporting and errors in Financial Information Service System (SLIK) reporting.
• Menjaga kerahasiaan dan perlindungan informasi dan data; • Safeguard confidentiality and protect any relevant
information and data;
Februari 2024 Koreksi laporan LBUT di luar batas waktu penyampaian Kelompok Informasi (KI) Harian. • Memperlakukan karyawan dengan adil; • Treat employees with fairness;
February 2024 Correction of LBUT reports beyond the submission deadline for Daily Information Group (KI). • Terbuka dan jujur kepada para regulator; • Be honest to the regulator;
• Senantiasa menjaga sikap dan perilaku. • Maintain a good attitude and behavior.
Koreksi laporan LBUT di luar batas waktu penyampaian Kelompok Informasi (KI) Harian dan Keterlambatan
Maret 2024 penyampaian Laporan Keuangan per tanggal 30 Juni 2023. Kode Etik Bank telah diatur dalam kebijakan No. 426/KP-PERS/ The Bank's Code of Ethics is governed by policy No. 426/KP-
March 2024 Correction of LBUT reports beyond the submission deadline for Daily Information Group (KI) and delayed
submission of Financial Statements as of June 30, 2023. SK/ESC/IX/2017 tentang Pedoman Standar Etika PT Bank of India PERS/SK/ESC/IX/2017 concerning the Code of Ethics Guidelines
Indonesia Tbk. of PT Bank of India Indonesia Tbk.
April 2024 Keterlambatan Penyampaian Koreksi Laporan LBUT Kelompok Informasi (KI) Keuangan Bulanan.
April 2024 Delay in submitting corrections to LBUT reports for Monthly Financial Information Group (KI).
BUDAYA PERSEROAN
Keterlambatan Penyampaian Koreksi Laporan LBUT Kelompok Informasi (KI) Keuangan Bulanan dan Keterlam- CORPORATE CULTURE
Juni 2024 batan pembayaran/penyetoran pajak.
June 2024 Delay in submitting corrections to LBUT reports for Monthly Financial Information Group (KI) and delayed pay-
ment/deposit of taxes. Berlandaskan visi dan misi, Bank mengembangkan nilai-nilai Grounded in its vision and mission, the Bank cultivates corporate
budaya untuk menciptakan lingkungan kerja yang kondusif, cultural values to foster a conducive work environment,
Kesalahan tidak menyampaikan LBUT Kelompok Informasi (KI) keuangan untuk transaksi surat berharga dan mendukung keberlanjutan, serta mengutamakan kenyamanan support sustainability, and prioritise customer convenience.
Agustus 2024 sertifikat deposito di Pasar Sekunder.
August 2024 Failure to submit LBUT reports for Financial Information Group (KI) concerning transactions of securities and nasabah. Penerapan budaya ini juga selaras dengan prinsip tata The implementation of these values aligns with good corporate
deposit certificates in the Secondary Market. kelola perusahaan yang baik, yang bertujuan untuk meningkatkan governance principles, aiming to enhance value for all
nilai bagi seluruh pemangku kepentingan. Adapun nilai-nilai stakeholders. The core values applied in shaping the Bank’s
September 2024 Keterlambatan penyampaian koreksi Laporan Sistem Layanan Informasi Keuangan (SLIK).
September 2024 Delay in submitting corrections to Financial Information Service System (SLIK) reporting.
utama yang diterapkan dalam membangun budaya perseroan corporate culture are as follows:
adalah sebagai berikut:
• Hasil pemeriksaan AYDA untuk Laporan Bank Umum Terintegrasi (LBUT).
Desember 2024 Results of AYDA (foreclosed assets) examination for the Integrated Bank General Report (LBUT). Bijaksana dan penuh kehati-hatian (Sensible) Thoughtful and prudent (Sensible)
December 2024 • Koreksi laporan LBUT di luar batas waktu penyampaian Kelompok Informasi (KI) Harian.
Correction of LBUT reports beyond the submission deadline for Daily Information Group (KI). Secara Sensible, sebagai individu yang memegang prinsip Sensible, as an individual who holds the STAR principle, one
STAR harus senantiasa penuh pertimbangan dalam melakukan should always be considerate in their actions and avoid being
sesuatu dan tidak sembarangan atau nekat. Selain itu, individu careless or reckless. Furthermore, these individuals tend to be
tersebut cenderung disiplin, terorganisir dan memiliki keinginan disciplined, organized and have the desire to achieve goals or
untuk mencapai suatu tujuan atau prestasi. Mereka juga harus achievements. They also tend to be focused on completing tasks
senantiasa fokus menyelesaikan tugas dan bersedia membantu and willing to help colleagues.
rekan kerja.
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Tata Kelola Perusahaan
Good Corporate Governance
Dapat dipercaya dan diandalkan (Trustworthy) Dependable and reliable (Trustworthy) b. Kepada 7 pihak terkait dalam bentuk penempatan b. To 7 related parties in the form of Nostro placements
Merupakan nilai yang menunjukkan kepercayaan dan dapat Trustworthy, is a value that shows trustworthiness and reliability Nostro dengan total nominal Rp1,14 miliar; with a total nominal value of Rp1.14 billion;
diandalkan dalam hal bekerja. Oleh karena itu, seorang in the workplace. Therefore, a STAR is always honest and can be c. tidak terdapat penyediaan dana kepada pihak terkait c. there is no provision of funds to related parties in the
STAR senantiasa jujur dan dapat dipercaya orang lain dalam trusted by others in completing the tasks and responsibilities that dalam bentuk Bank Garansi. form of Bank Guarantee.
menyelesaikan tugas dan tanggung jawab yang telah diberikan. have been given. It is also important to have the competence
Tidak lepas dari itu untuk memiliki kompetensi dan kemampuan and the ability to complete the task. 2. Dari penyediaan dana besar (large exposure) posisi 31 2. From the large exposure provision as of December 31, 2024,
dalam menyelesaikan pekerjaan. Desember 2024 untuk 15 debitur inti dengan nominal for 15 core debtors with a total amount of Rp2,813 billion,
Rp2.813 miliar, dengan rincian: with the following details:
Penuh pengertian dan selalu memberikan solusi Understanding and always providing solutions a. Individu dengan jumlah 9 debitur dengan total nominal a. Individuals with a total of 9 debtors with total nominal
(Accomodative) (Accomodative) Rp1.252 miliar; value of Rp1,252 billion;
Selain itu, sebagai seorang STAR juga harus mengedepankan nilai Furthermore, a STAR must also prioritize the value of b. Kelompok dengan jumlah 6 debitur, dengan total b. Group with 6 debtors, with a total nominal value
Accomodative yang senantiasa untuk membantu pihak lain yang Accomodative who is constantly willing to help others in nominal Rp1.561 miliar. of Rp1,561 billion.
membutuhkan bantuan. Tanpa terkecuali, seorang STAR dalam need. Without exception, a STAR in Accomodative value also
nilai Accomodative juga senantiasa memberikan alternatif solusi constantly provides alternative solutions to others and creates a Rencana Strategis Bank Bank Strategic Plan
kepada orang lain dan menciptakan suasana yang harmonis. harmonious atmosphere. Bank telah menyusun rencana jangka panjang (corporate plan), The Bank has developed a long-term corporate plan, a medium-
rencana jangka menengah, dan rencana jangka pendek (business term plan, and a short-term business plan in accordance with
plan) dengan mengacu pada ketentuan Otoritas Jasa Keuangan Financial Services Authority (OJK) regulations and aligned with
Bertindak cepat dan benar (Responsive) Quick and correct action (Responsive) (OJK) serta selaras dengan visi dan misi Bank. Rencana tersebut the Bank’s vision and mission. These plans are formulated
Beranjak dari ketiga nilai tersebut, seorang STAR mampu From those three values, a STAR is able to show the Responsive disusun secara realistis, komprehensif, dan terukur, sesuai in a realistic, comprehensive, and measurable manner,
menunjukkan nilai Responsive di dalam pekerjaannya yang value in their work, such as being responsive, fast and thorough dengan ketentuan yang berlaku. Penyusunan rencana strategis ensuring compliance with applicable regulations. The strategic
senantiasa tanggap, cepat dan tuntas dalam menindaklanjuti in completing a task. Although the task must be completed ini dilakukan dengan mempertimbangkan faktor eksternal dan planning process considers both external and internal factors
suatu pekerjaan. Meskipun pekerjaan harus cepat diselesaikan, immediately, a STAR should work efficiently and effectively and internal, serta memperhatikan prinsip kehati-hatian dan tata while adhering to prudential principles and good corporate
namun tidak lepas dari bekerja secara efisien dan efektif dan also work properly, accurately and correctly. kelola perusahaan yang baik guna memastikan pertumbuhan governance. This approach ensures sustainable growth, optimal
begitu juga bekerja secara tepat, terukur dan benar. yang berkelanjutan, pengelolaan risiko yang optimal, serta risk management, and value enhancement for all stakeholders.
peningkatan nilai bagi seluruh pemangku kepentingan.
PENYEDIAAN DANA KEPADA PIHAK TERKAIT DAN TRANSPARANSI KONDISI KEUANGAN DAN NON KEUANGAN BANK
PENYEDIAAN DANA BESAR YANG BELUM DIUNGKAP DALAM LAPORAN LAIN
PROVISION OF FUNDS TO RELATED PARTIES AND PROVISION OF LARGE EXPOSURE
TRANSPARENCY OF THE BANK'S FINANCIAL AND NON-FINANCIAL CONDITIONS THAT HAVE NOT BEEN
DISCLOSED IN OTHER REPORTS
Jumlah Debitor Nominal ( Jutaan Rp)
Penyediaan Dana / Funds Provision Total Debitor Nominal ( Million Rp ) Sepanjang tahun 2024, Bank senantiasa menjalankan praktik Throughout 2024, the Bank consistently upheld transparency
transparansi terhadap kondisi keuangan dan non-keuangan in both financial and non-financial matters, in compliance with
Kepada Pihak Terkait /
To Related Parties
7 1.136 sesuai dengan ketentuan regulator. Transparansi tersebut regulatory requirements. This transparency is reflected in the
diwujudkan melalui penyampaian informasi yang akurat dan accurate and timely disclosure of information to stakeholders.
a. Kredit
- -
tepat waktu kepada pemangku kepentingan.
Credit
b. Penempatan
Sebagai bagian dari komitmen ini, Bank menyediakan akses As part of this commitment, the Bank provides access to financial
7 1.136
Bank Placement informasi keuangan dan non-keuangan melalui berbagai kanal and non-financial information through various communication
komunikasi, termasuk situs web resmi, media massa, serta channels, including its official website, mass media, and
c. Bank Garansi /
Bank Guarantee
- - publikasi di seluruh Jaringan Kantor Bank, guna memastikan publications across the Bank’s branch network, ensuring broad
keterbukaan informasi yang luas dan mudah diakses oleh seluruh and easy access to information for all stakeholders.
Kepada Debitur Inti /
15 2.813.404 pemangku kepentingan.
Core Debtors
a. Individu /
Shares Option Shares Option
Individual
9 1.251.964
Bank tidak memiliki kebijakan dan/atau program shares option The Bank does not have any policy and/or shares option program
dalam bentuk Employee Stock Option Program (ESOP) atau in the form of an Employee Stock Option Program (ESOP) or
b. Kelompok /
6 1.561.440 Management Stock Option Program (MSOP) kepada anggota Management Stock Option Program (MSOP) for members of
Group
Dewan Komisaris, Direksi dan Pejabat Eksekutif. the Board of Commissioners, Board of Directors and Executive
Officers.
1. Penyediaan dana kepada pihak terkait (related party) posisi 1. The provision of funds to related parties as of December 31,
31 Desember 2024 kepada 7 pihak terkait dengan jumlah 2024, amounted to Rp1.14 billion for seven related parties
sebesar Rp1,14 miliar dengan rincian: with the following details:
a. tidak terdapat penyediaan dana kepada pihak terkait a. there is no provision of funds to related parties in the
dalam bentuk Kredit; form of Loans;
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Tata Kelola Perusahaan
Good Corporate Governance
KEPEMILIKAN SAHAM JUMLAH PENYIMPANGAN
SHARE OWNERSHIP INTERNAL FRAUD
Kepemilikan saham anggota Dewan Komisaris dan Direksi yang Share ownership of members of the Board of Commissioners Bank terus berupaya menerapkan secara berkesinambungan The Bank continues to strive to continuously implement the
mencapai 5% atau lebih dari modal disetor: and Board of Directors which reaches 5% or more of the paid-in Strategi Anti-Fraud di lingkungan PT Bank of India Indonesia Tbk Anti-Fraud Strategy within the PT Bank of India Indonesia Tbk
capital: sebagai bentuk pelaksanaan penerapan Strategi Anti-Fraud. as a form of implementing the Anti-Fraud Strategy. During 2024
Lembaga Keuangan Perusahaan lain, yang berkedudukan baik di Selama tahun 2024 tidak terdapat Fraud. there was no fraud.
Bank lain / Bukan Bank / dalam maupun di luar negeri /
Nama / Name Jabatan / Position Bank / Bank
Other Bank Non-Bank Financial Other companies, domiciled both in domestic and
Institutions foreign
Dewan Komisaris
Board of Commissioners Jumlah Kasus yang Dilakukan Oleh / Number of Cases Conducted By
Komisaris Utama
Sudhiranjan Padhi
President Commissioner
- - - - Anggota Direksi dan Pegawai Tidak Tetap dan
Anggota Dewan Komisaris Pegawai Tetap Tenaga Kerja Alih Daya
Komisaris Independen Members of the Board of Directors and Permanent employee Permanent Employees and Manpower
Handadjaja Sulaiman - - - √ Penyimpangan (Internal Fraud) dalam 1 tahun Members of the Board of Commissioners Transfer
Independent Commissioner Deviation (Internal Fraud) in 1 year
Komisaris Independen
Lungguk Gultom
Independent Commissioner
- - - - 2024 2023 2024 2023 2024 2023
Direksi
Board of Directors Total fraud / Total fraud - - - - - -
Direktur Utama*)
President Director*)
Jayaprakash Bharathan - - - - Telah diselesaikan / Completed - - - - - -
Wakil Direktur Utama**)
Vice President Director**)
Direktur Operasional
Carolina Dina Rusdiana Operational Director - - - - Dalam proses penyelesaian di intern Bank /
- - - - - -
In the settlement process in the Bank
Direktur Kepatuhan
Dennis Kusuma Halim Compliance Director - - - -
Belum diupayakan penyelesaian /
Direktur Bisnis - - - - - -
Chandra Sekhar Mukherjee Business Director - - - - Settlement has not been attempted
Direktur Utama**) Telah ditindaklanjuti melalui proses hukum
RM Raharjo Satrio Unggul President Director**) - - - √
It has been followed up through a legal - - - - - -
process
*) Efektif menjabat sebagai Direktur Utama pada tanggal 14 Oktober 2024 sesuai surat keputusan OJK No. KEPR-27/PB.02/2024.
*) Effective as President Director as of October 14, 2024, pursuant to OJK Decree No. KEPR-27/PB.02/2024.
**) Masa jabatan efektif berakhir tanggal 27 Juni 2024.
**) Term of office effectively ends on June 27, 2024.
PEMBELIAN KEMBALI (BUY BACK) SAHAM DAN/ATAU OBLIGASI BANK
BUY BACK OF BANK SHARES AND/OR BONDS
TRANSAKSI MENGANDUNG BENTURAN KEPENTINGAN Selama tahun 2024 tidak ada Pembelian Kembali (Buy Back) During 2024 there was no Buy Back of Bank Shares and/or Bonds.
TRANSACTIONS CONTAIN CONFLICT OF INTEREST
Saham dan/atau Obligasi Bank.
Bank berupaya untuk menghindari adanya transaksi yang Pembagian Saham (Shares Option) Shares Option
mengandung benturan kepentingan. Sesuai dengan Kebijakan The Bank strives to avoid transactions that contain conflict of Bank tidak memiliki kebijakan dan/atau program shares The Bank does not have a policy and/or shares option program
Operasional Bank, seluruh kegiatan operasional wajib interest. In accordance with the Bank’s Operational Policy, all option dalam bentuk ESOP atau MSOP kepada anggota Dewan in the form of ESOP or MSOP for members of the Board of
dilaksanakan dengan memperhatikan faktor pengendalian operational activities must be performed with due observance of Komisaris, Direksi dan Pejabat Eksekutif. Commissioners, Directors and Executive Officers.
internal, atas dasar prinsip kehati-hatian dan tidak boleh internal control factors, based on the principle of prudence and
melangggar/bertentangan dengan
perundang-undangan yang berlaku.
peraturan/ketentuan must not violate/conflict with the prevailing laws/regulations.
PENAMBAHAN MODAL MELALUI RIGHT ISSUE
CAPITAL ADDITION THROUGH RIGHT ISSUE
Bank telah memenuhi ketentuan yang diatur dalam Peraturan The Bank has complied with the provisions stipulated in OJK
Nama dan Jabatan Pihak yang Memiliki Nama dan Jabatan Pengambil Nilai Transaksi
Benturan Kepentingan / Keputusan / Jenis Transaksi / (Dalam jutaan Rupiah) / Keterangaan / OJK No. 12/POJK.03/2020 tentang Konsolidasi Bank Umum Regulation No. 12/POJK.03/2020 regarding the Consolidation
Name and Position of Parties with Conflict of Name and Position of Decision Type of Transaction Transaction Value Description di mana Bank wajib memenuhi Modal Inti Minimum yang of Commercial Banks where the Bank is required to meet the
Interest Maker (In million Rupiah) ditetapkan secara bertahap oleh OJK paling sedikit Rp3 triliun Minimum Core Capital set gradually by the Financial Services
pada tahun 2022. Authority of at least Rp3 trillion by 2022.
- - - - -
Pada tahun 2024, PT Bank of India Indonesia Tbk tidak melakukan In 2024, PT Bank of India Indonesia Tbk did not conduct a capital
penambahan modal melalui mekanisme right issue, sejalan increase through a rights issue mechanism, in line with the
dengan strategi permodalan Bank yang disesuaikan dengan Bank's capital strategy, which is adjusted to business needs and
kebutuhan bisnis dan kondisi pasar. market conditions.
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Tata Kelola Perusahaan
Good Corporate Governance
PEMBERIAN DANA UNTUK KEGIATAN SOSIAL Saluran penyampaian laporan pelanggaran yang mudah diakses
melalui jalur komunikasi telah disediakan Bank yaitu:
Channels for submitting violation reports that are easily accessed
through communication channels have been provided by:
GRANTING FUNDS FOR SOCIAL ACTIVITIES
E-mail address : ayo.lapor@boiindonesia.co.id E-mail address : ayo.lapor@boiindonesia.co.id
Bank berkomitmen untuk melaksanakan program-program The Bank is committed to carrying out Corporate Social SMS /Telp : 0813-1999-2241 SMS /Telp : 0813-1999-2241
Tanggung Jawab Sosial Perusahaan (Corporate Social Responsibility (CSR) programs every year as a form of the
Responsibility/CSR) setiap tahunnya sebagai bentuk kepedulian Bank's concern for environmental, social and governance Selain saluran pelaporan WBS melalui jalur komunikasi tersebut, Along with the WBS reporting channels, the Bank also provides a
Bank terhadap aspek lingkungan, sosial dan tata kelola (Environmental, Social and Governance/ESG) aspects, in line with Bank juga masih menyediakan Kotak Pengaduan/Saran yang Complaint/Suggestion Box placed at the Banking Hall.
(Environmental, Social and Governance/ESG) yang selaras the implementation of Social and Environmental Responsibility diletakkan di Banking Hall.
dengan implementasi Tanggung Jawab Sosial dan Lingkungan (TJSL) in the application of sustainable business performance
(TJSL) dalam pelaksanaan prinsip-prinsip kinerja keberlanjutan principles. The implementation of CSR and/or TJSL programs Peran Direksi dan Dewan Komisaris adalah mengawasi penerapan The role of the Board of Directors and Board of Commissioners
dalam dunia usaha. Pelaksanaan program-program kegiatan CSR carried out by the Bank covers four areas, which are: WBS agar berjalan dengan baik dan efektif serta menumbuhkan is to supervise the implementation of the WBS to run well
dan/atau TJSL yang dijalankan oleh Bank mencakup 4 bidang budaya keterbukaan dalam organisasi Bank. Untuk itu Komite and effectively and foster a culture of openness in the Bank’s
yaitu: Audit yang berada di bawah Dewan Komisaris senantiasa organization. For this reason, the Audit Committee under the
1. Bidang lingkungan hidup; 1. Environmental area; melakukan evaluasi penerapan WBS ini. Board of Commissioners always evaluates the implementation
2. Bidang Ketenagakerjaan, Kesehatan dan Keselamatan Kerja 2. Employment, Health and Safety (K3) area; of this WBS.
(K3);
3. Bidang kemasyarakatan; dan 3. Community area; and Untuk mendukung penerapan WBS ini Bank telah memiliki To support the implementation of WBS, the Bank has WBS
4. Bidang nasabah. 4. Customer area. Kebijakan/Prosedur WBS yang telah diterbitkan berdasarkan Policies/Procedures that have been issued based on Directors
Surat Keputusan Direksi No. 079/KP-PERS/SK/ESC/VII/2018 Decree No. 079/KP-PERS/SK/ESC/VII/2018 dated July 9, 2018
Program pemberian dana CSR dan/atau TJSL ini diuraikan The CSR and/or TJSL fund allocation program is further explained tanggal 9 Juli 2018 perihal “Kebijakan dan Prosedur Operasional regarding “Whistle Blowing System Policies and Operational
selengkapnya pada Bab 6 Tanggung Jawab Sosial Perusahaan in Chapter 6 of the Bank's Corporate Social Responsibility and Standar Tentang Pelaporan Pelanggaran (Whistle Blowing Procedures” which aim to improve compliance aspects and Bank
dan Laporan Keberlanjutan Bank 2024 yang merupakan satu Sustainability Report 2024, which is an integral part of the System)” yang bertujuan untuk meningkatkan aspek kepatuhan internal control systems which include:
kesatuan dan bagian tidak terpisahkan dari Bab Tata Kelola Corporate Governance Chapter in this Annual Report. dan sistem pengendalian internal Bank yang mencakup:
Perusahaan dalam laporan Tahunan ini.
1. Kebijakan dan Prosedur mengenai penerapan 4 pilar Anti- 1. Policies and Procedures regarding the application of 4 Anti-
HUBUNGAN KEUANGAN DAN HUBUNGAN KELUARGA ANGGOTA Fraud yaitu:
a. Pencegahan,
Fraud pillars, namely:
a. Prevention,
DIREKSI DAN ANGGOTA DEWAN KOMISARIS DENGAN ANGGOTA b. Deteksi, b. Detection,
c. Investigasi, Pelaporan dan Sanksi, c. Investigation, Reporting and Sanctions,
DIREKSI LAIN, ANGGOTA DEWAN KOMISARIS LAIN DAN/ATAU d. Pemantauan, Evaluasi dan Tindak Lanjut; d. Monitoring, Evaluation and Follow-Up;
PEMEGANG SAHAM PENGENDALI BANK 2. Pencegahan dan penanganan atas pelanggaran peraturan,
pelanggaran kode etik, serta pelanggaran lain yang dapat
2. Prevention and handling of violations of regulations, code
of ethics and other violations that can result in financial loss
FINANCIAL RELATIONSHIPS AND FAMILY RELATIONSHIPS MEMBERS OF THE BOARD OF DIRECTORS AND mengakibatkan kerugian finansial dan risiko reputasi; and reputation risk;
MEMBERS OF THE BOARD OF COMMISSIONERS WITH OTHER MEMBERS OF THE BOARD OF DIRECTORS, 3. Tata kelola dan penanganan laporan pengaduan dan 3. The governance and handling of complaints reports and
OTHER MEMBERS OF BOARD OF COMMISSIONERS AND/OR SHAREHOLDERS CONTROL OF BANKS pengungkapan pengaduan serta penyelesaian pelanggaran disclosures of complaints and resolves of violations in order
dalam rangka memperjelas tanggung jawab atas tindak to clarify responsibility for following up violations that lead
lanjut pelanggaran yang berujung pada internal fraud; to internal fraud;
Direksi dan Dewan Komisaris tidak memiliki hubungan keuangan The Board of Directors and the Board of Commissioners do not 4. Perlindungan untuk Pihak Pelapor (Whistle Blower); 4. Protection for the Whistle Blowers;
dan hubungan keluarga dengan Direksi lain, anggota Dewan have financial and family relationships with other Directors, 5. Mendorong peran serta seluruh karyawan dan pihak 5. Encouraging the participation of all employees and external
Komisaris lain dan/atau Pemegang Saham Pengendali Bank. other members of the Board of Commissioners and/or the eksternal untuk menjaga aset Bank dari kerugian; parties to safeguard the Bank's assets from losses;
Controlling Shareholders of the Bank. 6. Mempermudah mekanisme pelaporan untuk melaporkan 6. Simplifying the reporting mechanism for reporting
pelanggaran atau potensi pelanggaran; violations or potential violations;
7. Sebagai salah satu upaya meningkatkan sistem pengendalian 7. As an effort to improve the internal control system in the
internal dalam rangka penerapan aspek Good Corporate implementation of Good Corporate Governance aspects.
SISTEM PELAPORAN PELANGGARAN Governance.
WHISTLE BLOWING SYSTEM
Perlindungan bagi Pelapor Protection for Whistleblowers
Pelaksanaan tata kelola perusahaan yang baik memiliki peran The implementation of good corporate governance plays an Media pelaporan dan penanganan pelaporan menjamin Reporting media and reports handling guarantee the
penting dalam mendukung pencapaian target bisnis Bank serta important role in supporting the achievement of the Bank's kerahasiaan identitas pihak pelapor dan pelanggaran yang confidentiality of the reporting party’s identity and reported
meningkatkan nilai bagi Pemangku Kepentingan. Salah satu aspek business targets and increasing value for Stakeholders. One of dilaporkan. Perlindungan ini diberikan kepada pihak pelapor violations. This protection is given to the reporting party who
utama dalam tata kelola adalah penerapan sistem pengendalian the main aspects of governance is the implementation of an yang memberikan identitas, informasi serta alat bukti pendukung provides the identity, information and supporting evidence
internal yang efektif. Sebagai bagian dari upaya tersebut, Bank effective internal control system. As part of these efforts, the yang digunakan untuk dikomunikasikan dengan WBO mengenai used to be communicated to the WBO regarding the reported
telah mengimplementasikan Sistem Pelaporan Pelanggaran Bank has implemented a Whistleblowing System (WBS), which pelanggaran yang dilaporkan. violations.
(Whistleblowing System/WBS), yang berfungsi sebagai serves as an early detection and monitoring mechanism to
mekanisme deteksi dini dan pengawasan untuk memastikan ensure compliance and transparency in the Bank's operations. Dalam hal kasus pelanggaran masuk dalam sengketa di In cases where violations lead to disputes in court, the
kepatuhan serta transparansi dalam operasional Bank. pengadilan, maka pihak pelapor dapat dimungkinkan untuk whistleblower may be allowed to provide testimony without
memberikan keterangan tanpa harus bertatap muka dengan having to face the reported party, in accordance with applicable
Dalam penerapannya, WBS ditujukan untuk membantu Bank In its implementation, the WBS is intended to help the Bank pihak terlapor sesuai dengan ketentuan yang berlaku. regulations. Protection for the whistleblower includes safeguards
mencegah terjadinya pelanggaran atas kebijakan dan prosedur to prevent violations of policies and operating procedures that Perlindungan bagi pelapor meliputi perlindungan dari tekanan, against pressure, delays in promotion, dismissal, legal action,
operasi yang bisa berakhir pada internal fraud yang merugikan can end in internal fraud that are financially harmful and cause penundaan kenaikan pangkat, pemecatan, gugatan hukum, threats to property, physical harm and any records in the
secara finansial dan menimbulkan risiko reputasi bagi Bank reputation risk for the Bank if it appears as news in the mass ancaman terhadap harta benda serta tindakan fisik dan catatan employee data file that may be detrimental to the whistleblower.
apabila muncul sebagai berita di media massa. media. yang dapat merugikan pihak pelapor dalam file data karyawan.
Sesuai dengan standar etika yang berlaku, Bank menyediakan In accordance with the applicable ethical standards, the
saluran pelaporan yang memadai bagi Pemangku Kepentingan, Bank provides adequate reporting channels for Stakeholders,
termasuk karyawan, rekan kerja, serta pihak eksternal seperti including employees, coworkers, as well as external parties such
nasabah, masyarakat dan mantan karyawan. Saluran ini as customers, the community and former employees. These
digunakan untuk melaporkan kejadian atau pelanggaran yang channels are used to report known incidents or violations to
diketahui kepada Bank melalui Unit Kerja atau Whistleblowing the Bank through the designated Work Unit or Whistleblowing
Officer (WBO) yang ditunjuk. Officer (WBO).
PT BANK OF INDIA INDONESIA Tbk PT BANK OF INDIA INDONESIA Tbk
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Tata Kelola Perusahaan
Good Corporate Governance
Penanganan Pelaporan / Pengaduan Reporting / Complaints Handling nasabah wajib menyampaikan surat pemberitahuan complaints is required to submit a notification letter for the
Laporan dari Pihak Pelapor akan diproses oleh WBO dan apabila Reports from the Reporting Party will be processed by the WBO perpanjangan jangka waktu penyelesaian pengaduan extension of the customer complaint settlement period in
dianggap layak maka akan diteruskan kepada Satuan Kerja Audit and if deemed feasible it will be forwarded to the Internal Audit nasabah sesuai prosedur yang berlaku. accordance with the applicable procedure.
Intern (SKAI) secara rahasia untuk dilakukan audit investigasi Work Unit in a confidential manner without stating the identity 5. Bank merahasiakan informasi mengenai nasabah yang 5. Bank keeps the confidential information about customers
lebih lanjut. Apabila ada tindakan indisiplin baik terhadap of the reporter for further investigation. If there are disciplinary melakukan pengaduan kepada pihak manapun, kecuali: who generate complaints to any parties, except:
Pihak Pelapor maupun Pihak Terlapor, termasuk untuk tindakan actions both for the Reporting Party and the Reported Party, a. Kepada Otoritas Jasa Keuangan; a. To the Financial Services Authority;
rehabilitasi nama karyawan, maka Bank berpedoman kepada including for the rehabilitation of the employee’s name, the Bank b. Dalam rangka penyelesaian pengaduan; b. For the purpose of complaint resolution;
kebijakan penegakan disiplin dan sanksi yang berlaku. is guided by the policy of enforcing discipline and the applicable c. Diwajibkan oleh peraturan perundang-undangan dan/ c. Required by laws and regulations and/or;
sanctions. atau;
d. Atas persetujuan nasabah. d. With the customer’s approval.
6. Pengaduan nasabah dapat dilakukan secara tertulis maupun 6. Customer complaints can be generated in writing or orally
Pihak Pengelola Laporan / Pengaduan Report/Complaint Handling Authority
secara lisan sesuai prosedur yang berlaku. according to the applicable procedures.
Tugas dan Tanggung Jawab WBO antara lain sebagai berikut: The duties and responsibilities of WBO are as follows: 7. Jangka waktu penanganan dan penyelesaian pengaduan 7. The period for handling and resolving customer complaints
1. Menerima laporan pelanggaran dari pihak Pelapor melalui 1. Receive reports of violations from the Reporting Party nasabah secara tertulis paling lambat 10 hari kerja setelah in writing is no later than 10 working days after the date of
media saluran komunikasi yang telah disediakan atau through the media provided by the communication channel tanggal penerimaan pengaduan nasabah. receipt of customer complaints.
melalui media komunikasi lain; or through other communication media; 8. Jangka waktu penanganan dan penyelesaian pengaduan 8. The period for handling and resolving customer complaints
2. Melakukan identifikasi awal dengan cara komunikasi dengan 2. Make initial identification by communicating with the nasabah secara lisan paling lambat 5 hari kerja setelah orally is no later than 5 working days after the date of
Pihak Pelapor dan meminta bukti awal; Reporting Party and requesting initial evidence; tanggal penerimaan pengaduan nasabah. receipt of customer complaints.
3. Memberitahukan kepada Pihak Pelapor bahwa laporan 3. Notify the Reporting Party that the report has been received
telah diterima maksimal 1 minggu sejak tanggal pelaporan; a maximum of 1 week from the reporting date;
4. Memberitahukan kepada Pihak Pelapor apabila ternyata
laporan dimaksud di luar kategori sesuai Kebijakan Whistle
4. Notify the Reporting Party if it turns out the report to is
outside the categories according to the Whistle Blowing
PRINSIP DAN REKOMENDASI TATA KELOLA PERUSAHAAN
Blowing System; System Policy; GOOD CORPORATE GOVERNANCE PRINCIPALS AND RECOMMENDATION
5. Apabila Laporan Pelanggaran beserta bukti awal tersebut 5. If the Violation Report along with the initial evidence has
sudah masuk dalam kategori jenis pelanggaran, maka WBO been included in the category of violation, WBO must A. Hubungan Perusahaan Dengan Pemegang Saham Dalam Menjamin Hak-Hak Pemegang Saham
A. The Relationships Between The Company With Shareholders In Ensuring The Rights of Shareholders
harus meneruskan laporan tersebut beserta alat bukti awal forward the report along with the initial evidence to the
kepada SKAI untuk diproses lebih lanjut; Internal Audit Unit for further processing; Prinsip 1 / Principle 1
Meningkatkan Nilai Penyelenggaraan Rapat Umum Pemegang Saham (RUPS)
6. Memberitahukan hasil akhir investigasi kepada pelapor; 6. Informs the final results of the investigation to the reporting Increased The Value of Shareholders General Meeting (SGM) Implementation
party;
Rekomendasi / Recommendation Keterangan / Description
7. Melakukan tata usaha yang baik, aman dan rahasia atas 7. Conduct good, safe and confidential violations reports
laporan pelanggaran. governance. Perusahaan memiliki cara atau prosedur teknis pengumpulan suara (voting) baik secara terbuka Pada pelaksanaan RUPS, pengumpulan suara (voting) sudah dilakukan secara terbuka yang
maupun tertutup yang mengedepankan independensi dan kepentingan pemegang saham. mengedepankan independensi dan kepentingan pemegang saham.
The Company had methods or technical procedures for poll (voting), either open or closed that During GMS, the voting mechanism had been carried out by prioritizing independence and the
Selama tahun 2024, tidak ada penyampaian laporan pelanggaran Throughout 2024, no whistleblowing reports were submitted. promoted the independence and the interests of shareholders. interest of shareholders.
yang masuk. Status: Terpenuhi / Achieved
Seluruh anggota Direksi dan anggota Dewan Komisaris Perusahaan hadir dalam RUPS Tahunan. Seluruh anggota Direksi dan anggota Dewan Komisaris Bank hadir dalam RUPS Tahunan.
PENANGANAN PENGADUAN NASABAH All members of the Board of Directors and Board of Commissioners of the Company should be
present at the Annual GMS.
All member of the Board of Directors and Board of Commissioners of the Bank were present in
Annual GMS.
CUSTOMER COMPLAINT HANDLING Status: Terpenuhi / Achieved
Sebagai bagian dari komitmen PT Bank of India Indonesia Tbk As part of PT Bank of India Indonesia Tbk's commitment to Ringkasan risalah RUPS tersedia dalam website Perusahaan paling sedikit selama 1 tahun. Ringkasan risalah RUPS tersedia dalam situs web resmi (www.boiindonesia.co.id).
Minutes of meeting of the GMS were available in the website of the Company for at least 1 year. Minutes of meeting of the GMS were available in official website (www.boiindonesia.co.id).
dalam menerapkan prinsip pelindungan konsumen dan implementing consumer protection principles and providing
memberikan layanan terbaik kepada nasabah, penanganan the best service to customers, handling complaints is one of the Status: Terpenuhi / Achieved
pengaduan menjadi salah satu prioritas utama yang harus main priorities that must be addressed swiftly and appropriately
ditindaklanjuti secara cepat dan tepat sesuai dengan ketentuan in accordance with regulatory requirements. Throughout 2024,
regulator. Sepanjang tahun 2024, Bank menerima 60 pengaduan the Bank received 60 customer complaints from its entire
Prinsip 2 / Principle 2
nasabah yang berasal dari seluruh jaringan kantor di Indonesia. office network across Indonesia. All complaints were related Meningkatkan Kualitas Komunikasi Perusahaan dengan Pemegang Saham atau Investor
Seluruh pengaduan tersebut berkaitan dengan mekanisme to payment mechanisms, particularly the use of ATM cards and Improved The Quality of Company Communications with Shareholders or Investors
pembayaran, khususnya penggunaan kartu ATM dan Mobile Mobile Banking. The Bank successfully resolved all complaints in Rekomendasi / Recommendation Keterangan / Description
Banking. Bank berhasil menyelesaikan seluruh pengaduan accordance with applicable procedures.
dengan baik sesuai prosedur yang berlaku. Perusahaan memiliki suatu kebijakan komunikasi dengan pemegang saham atau investor.
The Company had methods or a policy of communication with shareholders or investors.
Bank telah menyediakan informasi yang lengkap pada situs web resmi (www.boiindonesia.co.id)
mengenai profil Bank, kinerja keuangan, Rapat Umum Pemegang Saham (RUPS) dan keterbukaan
informasi lainnya guna memastikan transparansi dan kemudahan akses bagi Pemegang Saham dan
Sesuai Peraturan OJK No. 18/POJK.07/2018 tanggal 10 In accordance with OJK Regulation No. 18/POJK.07/2018 dated Investor.
September 2018 tentang Layanan Pengaduan Konsumen di September 10, 2018 regarding Consumer Complaint Services in The Bank has provided comprehensive information on its official website (www.boiindonesia.co.id)
regarding the Bank's profile, financial performance, General Meeting of Shareholders (GMS) and
Sektor Jasa Keuangan, Bank telah memiliki pedoman penanganan the Financial Services Sector, the Bank has guidelines for handling other disclosures to ensure transparency and ease of access for Shareholders and Investors.
pengaduan nasabah sebagaimana diatur pada Surat Keputusan customer complaints as stipulated in Decree No. 110/KP-ECCC/
No. 110/KP-ECCC/SK/AP/XII/2024 tentang Standar Operasional SK/AP/XII/2024 regarding Standard Operations and Procedures Status: Terpenuhi / Achieved
Prosedur (SOP) Pedoman Layanan Pengaduan Nasabah PT Bank for Handling and Resolution of Customer Complaints of PT Bank
of India Indonesia Tbk. of India Indonesia Tbk.
Prinsip 3 / Principle 3
Adapun prosedur penanganan pengaduan nasabah Bank adalah The Bank's customer complaint handling procedures are as Meningkatkan Nilai Kualitas Penyelenggaraan Rapat Umum Pemegang Saham (RUPS)
sebagai berikut: follows: Increased The Value of AGM (Annual General Meeting) Implementation
Rekomendasi / Recommendation Keterangan / Description
1. Penerimaan pengaduan nasabah dapat dilakukan di setiap 1. Receipt of customer complaints can be generated at any
Kantor Cabang/Capem Bank. Bank Branch/Sub-Branch Offices. Perusahaan mengungkapkan kebijakan komunikasi Perusahaan dengan pemegang saham atau
investor dalam website.
Bank telah menyediakan informasi yang lengkap pada situs web resmi (www.boiindonesia.co.id)
mengenai profil Bank, kinerja keuangan, Rapat Umum Pemegang Saham (RUPS) dan keterbukaan
2. Pelaksana penanganan dan penyelesaian pengaduan 2. The personnel responsible for handling and resolving The Company revealed its communication policy with shareholders or investors in website. informasi lainnya guna memastikan transparansi dan kemudahan akses bagi Pemegang Saham dan
nasabah wajib menerima dan mencatat setiap pengaduan customer complaints are required to receive and record Investor.
dari nasabah dan menandatangani log book registrasi every complaint from a customer and sign a log book to The Bank has provided comprehensive information on its official website (www.boiindonesia.co.id)
regarding the Bank's profile, financial performance, General Meeting of Shareholders (GMS) and
penanganan dan penyelesaian pengaduan nasabah serta register the handling and resolution of customer complaints other disclosures to ensure transparency and ease of access for Shareholders and Investors.
menjelaskan prosedurnya kepada nasabah. and explain the procedure to the customer.
3. Pelaksana penanganan dan penyelesaian pengaduan 3. The personnel responsible of customer complaint handling Status: Terpenuhi / Achieved
nasabah wajib mengirimkan surat pemberitahuan hasil and resolution are required to send a notification letter
penyelesaian pengaduan nasabah kepada nasabah sesuai on the resolution of customer complaints to customers
prosedur yang berlaku. according to the applicable procedure.
4. Apabila penyelesaian pengaduan nasabah diperpanjang, 4. If the settlement of customer complaints is extended, The
maka Pelaksana penanganan dan penyelesaian pengaduan personnel responsible for handling and settling customer
PT BANK OF INDIA INDONESIA Tbk PT BANK OF INDIA INDONESIA Tbk
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Tata Kelola Perusahaan
Good Corporate Governance
B. Fungsi dan Peran Dewan Komisaris C. Fungsi dan Peran Direksi
B. The Functions and Roles of The BOC C. The Functions and Roles of The BOD
Prinsip 4 / Principle 4 Prinsip 6 / Principle 6
Memperkuat Keanggotaan dan Komposisi Dewan Komisaris. Memperkuat Keanggotaan dan Komposisi Direksi.
Strengthened The Membership and Compositions of the Board of Commissioners. Strengthened the Membership and Compositions of the Board of Directors.
Rekomendasi / Recommendation Keterangan / Description Rekomendasi / Recommendation Keterangan / Description
Penentuan jumlah anggota Dewan Komisaris mempertimbangkan kondisi Perusahaan. Jumlah anggota Dewan Komisaris telah sesuai dengan Anggaran Dasar Bank, ketentuan regulator Penentuan jumlah anggota Direksi mempertimbangkan kondisi Perusahaan serta efektifitas dalam Penentuan jumlah anggota Direksi dilakukan dengan mempertimbangkan kondisi Bank serta
Determined the number of members of the Board of Commissioners considered the condition of dan perundang-undangan yang berlaku mengenai Direksi dan Dewan Komisaris Emiten. pengambilan keputusan. efektivitas dalam pengambilan keputusan. Komposisi Direksi disesuaikan dengan kebutuhan
the Company. The number of members of the Board of Commissioners is in accordance with the Bank's Articles of Determined the number of Board of Directors members considering the condition of the Company organisasi guna mendukung pelaksanaan strategi bisnis, kepatuhan terhadap ketentuan regulator,
Association, regulatory provisions and applicable laws regarding the Board of Directors and Board and effectiveness in decision making. serta penerapan tata kelola yang baik untuk memastikan kinerja yang optimal.
of Commissioners of Listed Company. The determination of the number of Board of Directors members is carried out
by considering the Bank's condition and the effectiveness of decision-making. The
Status: Terpenuhi / Achieved composition of the Board of Directors is adjusted to the needs of the organization
to support the implementation of business strategies, compliance with regulatory
Penentuan komposisi anggota Dewan Komisaris memperhatikan keberagaman keahlian, Setiap anggota Dewan Komisaris dipilih berdasarkan kompetensi dan pengalaman yang relevan provisions and the application of good governance to ensure optimal performance.
pengetahuan dan pengalaman yang dibutuhkan. dengan industri Perbankan guna mendukung efektivitas fungsi pengawasan serta penerapan tata
Determined the composition of the Board of Commissioners with the consideration to the diversity kelola yang baik. Dengan demikian, Dewan Komisaris dapat berkontribusi secara optimal dalam Status: Terpenuhi / Achieved
of skills, knowledge and experience required. pengambilan keputusan strategis sesuai dengan ketentuan regulator dan perundang-undangan
yang berlaku. Penentuan komposisi anggota Direksi memperhatikan, keberagaman keahlian, pengetahuan dan Penentuan komposisi anggota Direksi Bank dilakukan dengan memperhatikan keberagaman
Each member of the Board of Commissioners is selected based on their competence and experience pengalaman yang dibutuhkan. keahlian, pengetahuan dan pengalaman yang dibutuhkan. Hal ini bertujuan untuk mendukung
relevant to the Banking industry to support the effectiveness of the supervisory function and the Determined the composition of the Board of Directors members regarding the diversity of skills, efektivitas pengelolaan Bank, memastikan pengambilan keputusan yang strategis, serta
implementation of good governance. Thus, the Board of Commissioners can optimally contribute to knowledge and experience required. meningkatkan kinerja sesuai dengan prinsip tata kelola yang baik dan ketentuan regulator yang
strategic decision-making in accordance with regulatory provisions and applicable laws. berlaku.
The composition of the Bank's Board of Directors is determined by considering the diversity of
skills, knowledge and experience required. This aims to support effective management of the Bank,
Status: Terpenuhi / Achieved ensure strategic decision-making and enhance performance in accordance with good governance
principles and applicable regulatory provisions.
Status: Terpenuhi / Achieved
Prinsip 5 / Principle 5 Anggota Direksi yang membawahi bidang akuntansi atau keuangan memiliki keahlian dan/atau Anggota Direksi yang membawahi bidang akuntansi dan keuangan memiliki pengalaman di bidang
Meningkatkan Nilai Kualitas Penyelenggaraan Rapat Umum Pemegang Saham (RUPS) pengetahuan di bidang akuntansi. keuangan dan akuntansi.
Increased the Value of AGM (Annual General Meeting) Implementation Members of the Board of Directors were in charge in accounting or financial expertise and / or The Board of Directors member overseeing accounting and finance has experience in the fields of
knowledge in the field of accounting. finance and accounting.
Rekomendasi / Recommendation Keterangan / Description
Status: Terpenuhi / Achieved
Dewan Komisaris mempunyai kebijakan penilaian sendiri (self assessment) untuk menilai kinerja Dewan Komisaris telah mempunyai kebijakan penilaian sendiri (self assessment) untuk menilai
Dewan Komisaris. kinerja Dewan Komisaris berdasarkan rekomendasi dari Komite Remunerasi dan Nominasi.
BOC policy assessment (self-assessment) to assess the performance of the Board of Commissioners. BOCs had implemented policy assessment (self-assessment) to assess the performance of
the Board of Commissioners according to recommendations from the Remuneration and D. Partisipasi Pemangku Kepentingan
Nomination Committee. D. Participation of Stakeholders
Status: Terpenuhi / Achieved Prinsip 7 / Principle 7
Meningkatkan Kualitas Pelaksanaan Tugas dan Tanggung Jawab Direksi
Kebijakan penilaian sendiri (self assessment) untuk menilai kinerja Dewan Komisaris, diungkapkan Bank telah menerapkan kebijakan penilaian sendiri (self-assessment) untuk menilai kinerja Improved the Quality of Duties and Responsibilities of Directors
melalui Laporan Tahunan Perusahaan. Dewan Komisaris yang diungkapkan secara transparan dalam Laporan Tahunan.
Policy assessment (self-assessment) to assess the performance of the Board of Commissioners, The Bank has implemented a self-assessment policy to evaluate the performance of the Board Rekomendasi / Recommendation Keterangan / Description
disclosed through the Annual Report of the Company. of Commissioners, which is disclosed transparently in the Annual Report.
Direksi mempunyai kebijakan penilaian sendiri (self assessment) untuk menilai kinerja Direksi. Bank telah memiliki kebijakan penilaian sendiri (self-assessment) terhadap kinerja Direksi yang
Status: Terpenuhi / Achieved The Company had a communication policy with shareholders or investors. ditetapkan dalam Pedoman Kerja Direksi terkait Penilaian dan Pertanggungjawaban Kinerja.
The Bank has established a self-assessment policy for the performance of the Board of Directors,
which is outlined in the Board of Directors' Work Guidelines related to Performance Assessment
and Accountability.
Dewan Komisaris mempunyai kebijakan terkait pengunduran diri anggota Dewan Komisaris apabila Dewan Komisaris Bank telah memiliki kebijakan terkait pengunduran diri bagi anggota Dewan
terlibat dalam kejahatan keuangan. Komisaris yang terlibat dalam kejahatan keuangan, sebagai bagian dari komitmen terhadap Status: Terpenuhi / Achieved
BOC had a policy related to the resignation of members of the Board of Commissioners when tata kelola yang baik serta kepatuhan terhadap ketentuan regulator dan perundang-undangan
involved in financial crimes. yang berlaku. Kebijakan penilaian sendiri (self assessment) untuk menilai kinerja Direksi diungkapkan melalui Penilaian Kinerja Direksi telah diungkapkan dalam Laporan Tahunan ini.
The Bank's Board of Commissioners has established a resignation policy for members involved laporan tahunan Perusahaan. Performance assessments of the Director have been disclosed in this Annual Report.
in financial crimes, as part of its commitment to good governance and compliance with Policy assessment (self-assessment) to assess the performance of the Board of Directors expressed
regulatory provisions and applicable laws. through the annual report of the Company.
Status: Terpenuhi / Achieved
Status: Terpenuhi / Achieved
Direksi mempunyai kebijakan terkait pengunduran diri anggota Direksi apabila terlibat dalam Pengunduran diri anggota Direksi telah ditetapkan dalam Pedoman Kerja Direksi terkait
Rekomendasi / Recommendation Keterangan / Description kejahatan keuangan. pengunduran diri.
Directors had policies related to the resignation of the Board of Directors members if they were The Board of Directors' resignation has been stipulated in the Board of Directors Charter related
Dewan Komisaris atau Komite yang menjalankan fungsi Remunerasi dan Nominasi menyusun Dewan Komisaris atau Komite yang menjalankan fungsi Remunerasi dan Nominasi telah involved in financial crimes. to resignation.
kebijakan suksesi dalam proses Nominasi anggota Direksi. menyusun kebijakan suksesi dalam proses nominasi anggota Direksi untuk menjaga
BOC or committee that ran the Remuneration and Nomination function developed succession kesinambungan kepemimpinan di masa mendatang sesuai dengan prinsip tata kelola yang Status: Terpenuhi / Achieved
policies in the process of Directors members Nomination. baik, ketentuan regulator dan perundang-undangan yang berlaku.
The Board of Commissioners or the Committee responsible for the Remuneration and
Nomination function has developed a succession policy in the nomination process of Board of
Directors members to maintain continuity of leadership in the future, in accordance with good
governance principles, regulatory provisions and applicable laws.
Status: Terpenuhi / Achieved
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Tata Kelola Perusahaan
Good Corporate Governance
D. Partisipasi Pemangku Kepentingan
D. Participation of Stakeholders
Prinsip 8 / Principle 8
Meningkatkan Aspek Tata Kelola Perusahaan Melalui Partisipasi Pemangku Kepentingan
Increased Aspects of Corporate Governance Through Stakeholder Participation
Rekomendasi / Recommendation Keterangan / Description
Perusahaan memiliki kebijakan untuk mencegah terjadinya insider trading. Bank telah memiliki kebijakan untuk mencegah insider trading melalui pengawasan ketat, pedoman
The Company had a policy to prevent insider trading. etika dan mekanisme pengendalian internal guna memastikan kepatuhan dan transparansi.
The Bank has implemented a policy to prevent insider trading through strict supervision, ethical
guidelines and internal control mechanisms to ensure compliance and transparency.
Status: Terpenuhi / Achieved
Perusahaan memiliki kebijakan anti korupsi dan anti-fraud. Bank telah memiliki kebijakan anti korupsi dan anti-fraud yang diterapkan melalui pengendalian
The Company had a policy of anti-corruption and anti-fraud. internal yang ketat, sistem pelaporan pelanggaran, serta kepatuhan terhadap ketentuan regulator
guna memastikan integritas dan transparansi dalam operasional.
The Bank has an anti-corruption and anti-fraud policy enforced through strict internal controls,
a violation reporting system and compliance with regulatory provisions to ensure integrity and
transparency in operations.
Status: Terpenuhi / Achieved
Perusahaan memiliki kebijakan tentang seleksi dan peningkatan kemampuan pemasok atau vendor. Bank telah memiliki kebijakan terkait seleksi dan peningkatan kemampuan pemasok atau vendor
The Company had a policy of selection and upgrades supplier or vendor. yang diterapkan secara transparan dan objektif. Kebijakan ini dijalankan oleh Komite Pengadaan
Barang dan Jasa (procurement) yang bertujuan untuk memastikan kualitas, kepatuhan terhadap
ketentuan yang berlaku, serta mendukung operasional Bank yang efektif dan berkelanjutan.
The Bank has a policy related to the selection and improvement of suppliers or vendors,
implemented transparently and objectively. This policy is carried out by the Procurement
Committee to ensure quality, compliance with applicable regulations and support effective and
sustainable Bank operations.
Status: Terpenuhi / Achieved
Perusahaan memiliki kebijakan tentang pemenuhan hak-hak debitur dan kreditur. Perusahaan telah memiliki kebijakan tentang pemenuhan hak-hak debitur dan kreditur sesuai
The Company had a policy on the fulfillment of the rights of creditors. dengan ketentuan yang berlaku.
The company has policies regarding the fulfillment of debtor and creditor rights in accordance with
applicable regulations.
Status: Terpenuhi / Achieved
Perusahaan memiliki kebijakan sistem whistleblowing. Bank telah memiliki kebijakan sistem whistleblowing yang transparan dan independen untuk
The Company had a policy of whistleblowing systems. mendukung pelaporan pelanggaran, memastikan perlindungan bagi pelapor, serta menjaga
integritas dan kepatuhan terhadap ketentuan yang berlaku.
The Bank has a transparent and independent whistleblowing system policy to support reporting
violations, ensuring protection for whistleblowers and maintaining integrity and compliance with
applicable provisions.
Status: Terpenuhi / Achieved
Perusahaan memiliki kebijakan pemberian insentif jangka panjang kepada Direksi dan karyawan. Bank telah memiliki kebijakan pemberian insentif jangka panjang bagi Direksi dan karyawan sebagai
The Company had a policy of long-term incentives for directors and employees. bentuk apresiasi serta untuk mendorong kinerja berkelanjutan sesuai dengan kepentingan jangka
panjang Bank dan Pemangku Kepentingan.
The Bank has a long-term incentive policy for the Board of Directors and employees as a form of
appreciation and to encourage sustainable performance in line with the long-term interests of the
Bank and Stakeholders.
Status: Terpenuhi / Achieved
E. Keterbukaan Informasi
E. Information Disclosure
Prinsip 9 / Principle 9
Meningkatkan Pelaksanaan Keterbukaan Informasi
Improved the Implementation of Information Disclosure
Rekomendasi / Recommendation Keterangan / Description
Perusahaan memanfaatkan penggunaan teknologi informasi secara lebih luas selain website Bank memanfaatkan teknologi informasi secara luas, tidak hanya melalui situs web resmi, tetapi
sebagai media keterbukaan informasi. juga melalui berbagai platform digital dan media sosial. Hal ini dilakukan untuk memastikan
The Company utilized the use of information technology more widely besides website as a media keterbukaan informasi yang lebih efektif, memudahkan akses bagi pemangku kepentingan, serta
openness of The Company. meningkatkan interaksi dengan nasabah dan masyarakat.
The Bank extensively utilizes information technology, not only through the official website but
also through various digital platforms and social media. This is done to ensure more effective
information disclosure, facilitate access for stakeholders and enhance interaction with customers
and the community.
Status: Terpenuhi / Achieved
Laporan Tahunan Perusahaan mengungkapkan pemilik manfaat akhir dalam kepemilikan saham Bank mengungkapkan pemilik manfaat akhir dalam kepemilikan saham paling sedikit 5,00% dalam
Perusahaan paling sedikit 5,00%, selain pengungkapan pemilik manfaat akhir dalam kepemilikan Laporan Tahunan, termasuk pemilik manfaat akhir dalam kepemilikan saham perusahaan melalui
saham Perusahaan melalui pemegang saham utama dan pengendali. pemegang saham utama dan pengendali, sesuai dengan ketentuan yang berlaku.
Annual Report had disclosed the ultimate beneficiary owners in the ownership of Company The Bank discloses the beneficial owners of at least 5.00% share ownership in the Annual Report,
shares at least 5.00%, in addition to the disclosure of the final beneficial owner in the Company’s including the beneficial owners of company shares through major and controlling shareholders, in
ownership through the major and controlling shareholders. accordance with applicable provisions.
Status: Terpenuhi / Achieved
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06 TANGGUNG JAWAB SOSIAL PERSEROAN Corporate Social Responsibility
Page 102
Tanggung Jawab Sosial Perseroan
Corporate Social Responsibility
Bank berkomitmen untuk melaksanakan program-program The Bank is committed to hold Corporate Social Responsibility telah menggunakan tiga mobil hibrida dalam operasionalnya the Bank has used three hybrid cars in its operations to reduce
Tanggung Jawab Sosial Perusahaan (Corporate Social (CSR) programs annually as a form of the Bank’s concern towards untuk mengurangi emisi karbon dan mendukung keberlanjutan carbon emission and support a sustainable environment.
Responsibility/CSR) setiap tahunnya sebagai bentuk kepedulian environment, social, and governance (ESG) aspects that are in line lingkungan.
Bank terhadap aspek lingkungan, sosial dan tata kelola with the implementation of social and environmental obligations
(Environmental, Social, and Governance/ESG) yang selaras (TJSL) in conducting sustainable performance principles in the Bank menerapkan kebijakan dalam penggunaan material dan The Bank implements policies in the use of environmentally
dengan implementasi tanggung jawab sosial dan lingkungan business world. The implementation of these CSR activities energi ramah lingkungan pada aktivitas kerja seluruh karyawan friendly materials and energy in all employees’ work activities
(TJSL) dalam pelaksanaan prinsip-prinsip kinerja keberlanjutan programs and/or TJSL that is held by the Bank encompasses 4 dari bentuk yang paling sederhana, misalnya penggunaan kertas from the simplest forms, such as the use of used paper, turning
dalam dunia usaha. Pelaksanaan program-program kegiatan CSR aspects, which are; bekas, mematikan listrik saat tidak digunakan, pengelolaan off electricity when not in use, waste management, and so on.
dan/atau TJSL yang dijalankan oleh Bank mencakup 4 bidang limbah sampah, dan lain sebagainya.
yaitu:
1. Bidang lingkungan hidup; 1. Environmental field Sistem Pengolahan Limbah Bank Bank Waste Treatment System
2. Bidang Ketenagakerjaan, Kesehatan dan Keselamatan Kerja 2. Employment, Occupational Health and Safety field, Secara umum, operasional bisnis Bank tidak menghasilkan limbah In general, the Bank’s business operations did not generate
(K3); dalam jumlah besar seperti industri lainnya. Namun, Bank tetap large amounts of waste like other industries. However, the Bank
3. Bidang Kemasyarakatan; dan 3. Community field, and menerapkan sistem pengelolaan limbah yang bertanggung jawab still implemented a responsible waste management system to
4. Bidang Nasabah. 4. Customer field. untuk memastikan tidak menimbulkan dampak negatif terhadap ensure that no negative impact on the environment was caused.
Program pemberian dana CSR dan/atau TJSL ini diberikan The fund allocation programs for CSR and/or TJSL is given directly lingkungan. Sebagai wujud komitmen terhadap keberlanjutan, As a commitment to sustainability, the Bank managed paper,
secara langsung oleh Bank yang mencakup 4 bidang tersebut by the Bank which encompasses 4 fields, be it through assistance Bank mengelola limbah kertas, plastik, dan lainnya bekerja plastic, and other waste in cooperation with waste management
baik melalui bantuan santunan kepada lembaga/yayasan sosial, to social institution/foundations, social relief for disasters, blood sama dengan mitra pengelola limbah di lingkungan sekitar. partners in the surrounding environment. Through this initiative,
bantuan sosial bencana alam, penyelenggaraan donor darah, drives, financial education programs, and other social activities. Melalui inisiatif ini, Bank berupaya mengurangi jejak ekologis the Bank aimed to reduce its ecological footprint and create more
pelaksanaan program edukasi keuangan, dan kegiatan sosial dan menciptakan operasional yang lebih ramah lingkungan demi environmentally friendly operations for a sustainable future.
lainnya. masa depan yang berkelanjutan.
Bank menyadari bahwa pelaksanaan TJSL dan/atau CSR The Bank realizes that implementing TJSL and/or CSR is an Mekanisme Pengaduan Masalah Lingkungan Environmental Complaints Mechanism
merupakan hal penting yang menentukan kelanjutan usaha. Oleh important matter that determines business continuity. Therefore, Bidang bisnis yang dijalankan oleh Bank tidak memiliki dampak The Bank’s business activities do not have a significant impact on
Karena itu, Bank senantiasa melaksanakan kegiatan TJSL dan/ the Bank frequently carry out TJSL and/or CSR activities as khusus terhadap lingkungan, sehingga tidak diperlukan the environment; therefore, no special mechanisms are required
atau CSR sebagai bukti konkret kepedulian terhadap masyarakat concrete evidence of the Bank’s concern for the community and mekanisme khusus untuk penanganan pengaduan masalah for handling environmental complaints. However, as part of its
dan lingkungan yang telah memberikan dukungan kepada Bank. environment, which has provided support to the Bank. lingkungan hidup. Namun, sebagai bagian dari komitmen commitment to responsible operations, the Bank continuously
terhadap operasional yang bertanggung jawab, Bank senantiasa monitors and evaluates any potential environmental impacts
TANGGUNG JAWAB SOSIAL DI BIDANG LINGKUNGAN HIDUP memantau dan mengevaluasi potensi dampak lingkungan yang that may arise.
SOCIAL RESPONSIBILITY IN THE ENVIRONMENT mungkin timbul.
Sebagai bagian dari komitmen untuk menciptakan dampak positif As part of its commitment to creating a sustainable positive Setiap masukan dan perhatian dari pemangku kepentingan Feedback and concerns from stakeholders play a crucial role in
yang berkelanjutan bagi masyarakat dan lingkungan, Bank terus impact on society and the environment, the Bank continuously menjadi bagian penting dalam upaya peningkatan kualitas improving the Bank’s environmental management practices.
berupaya untuk menjalankan tanggung jawab sosial di bidang strove to fulfill its social responsibility in the field of environmental pengelolaan lingkungan di Bank. Selain itu, Bank telah memiliki Additionally, the Bank has established a customer complaint
lingkungan hidup yang selaras dengan tujuan pembangunan protection in alignment with the Sustainable Development Goals prosedur layanan pengaduan nasabah, termasuk pengaduan service procedure, which also includes environmental-related
berkelanjutan (SDGs). Bank menyadari bahwa keberlanjutan (SDGs). The Bank recognized that environmental sustainability terkait lingkungan, sebagaimana diatur dalam Surat Keputusan complaints, as outlined in the latest Board of Directors Decree
lingkungan adalah kunci untuk mendukung masa depan yang was key to supporting a better future for future generations Direksi terkini No. 110/KP-ECCC/SK/AP/XII/2024 tentang Standar No. 110/KP-ECCC/SK/AP/XII/2024 on the Standard Operating
lebih baik bagi generasi mendatang, serta merupakan bagian tak and was an integral part of the company’s long-term goals. Operasional Prosedur (SOP) Pedoman Layanan Pengaduan Procedure (SOP) for Customer Complaint Services.
terpisahkan dari tujuan jangka panjang perusahaan. Nasabah.
Kegiatan tanggung jawab sosial di bidang lingkungan hidup ini This environmental social responsibility activity was Sertifikasi di Bidang Lingkungan yang Dimiliki Owned Environmental Certification
diimplementasikan melalui kerja sama dengan pihak lain, baik implemented through collaboration with other parties, both Operasional dan bisnis yang dijalankan Bank tidak berdampak The Bank’s operations and business activities do not have a
dari komunitas peduli lingkungan maupun organisasi lain yang from environmental care communities and other organizations langsung terhadap lingkungan hidup, sehingga Bank tidak direct impact on the environment, and therefore, the Bank is
memiliki fokus pada pelestarian ekosistem yang berkelanjutan. that focused on sustainable ecosystem preservation. The diwajibkan untuk memiliki sertifikasi di bidang lingkungan. not required to obtain environmental certification. However, as
Bank terus mendukung upaya-upaya yang bertujuan untuk Bank continued to support efforts aimed at creating better Namun, sebagai bentuk komitmen terhadap keberlanjutan, Bank part of its commitment to sustainability, the Bank continues to
menciptakan pengelolaan lingkungan yang lebih baik, dengan environmental management, with the hope of providing long- tetap mendukung berbagai inisiatif dan kebijakan yang bertujuan support various initiatives and policies aimed at environmental
harapan dapat memberikan dampak positif jangka panjang bagi term positive impacts on nature conservation and environmental untuk melestarikan lingkungan, sesuai dengan regulasi yang conservation, in accordance with regulations set by the
kelestarian alam dan keberlanjutan lingkungan. sustainability. ditetapkan oleh regulator. authorities.
Penggunaan Material dan Energi Ramah Lingkungan Use of Environmentally Friendly Materials and Energy Bank terus berupaya menjalankan praktik operasional yang The Bank remains committed to implementing responsible
Bank berkomitmen mendukung penggunaan material dan energi The Bank is committed to support the use of environmentally bertanggung jawab serta berkontribusi dalam pelestarian operational practices and contributing to environmental
ramah lingkungan demi meningkatkan kualitas hidup, terutama friendly materials and energy to raise the quality of living, lingkungan guna mendukung keberlanjutan di masa depan. preservation to support long-term sustainability.
dengan memanfaatkan material yang mudah didaur ulang especially by utilising materials that are easily recyclable and
dan tidak mencemari lingkungan. Sebagai langkah nyata, Bank does not pollute the environment. In making efforts towards it,
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Tanggung Jawab Sosial Perseroan
Corporate Social Responsibility
TANGGUNG JAWAB SOSIAL DI BIDANG KETENAGAKERJAAN, yang telah diatur dalam peraturan perundangan. Bank telah
senantiasa melakukan upaya penyediaan sarana dan prasarana
based on legislation, which includes:
KESEHATAN, DAN KESELAMATAN KERJA untuk pencapaian keselamatan kerja yang maksimal dengan
didasari perundang-undangan, yang meliputi:
SOCIAL RESPONSIBILITY IN THE FIELD OF EMPLOYMENT, HEALTH, AND SAFETY
1. Perangkat Pertolongan Pertama pada Kecelakaan (P3K); 1. First Aid Kit for Accidents (P3K);
Bank memiliki tanggung jawab untuk menjalankan praktik The Bank has a responsibility to carry out employment practices 2. Tangga darurat; 2. Emergency stairs;
ketenagakerjaan berdasarkan dengan setiap peraturan yang in accordance with each regulation that has been made, provide 3. Alat Pemadam Api Ringan (APAR); 3. Light Fire Extinguisher (APAR);
telah dibuat, menyediakan lingkungan tempat kerja yang aman a safe and healthy work environment with treatment and fulfil 4. Daftar kontak darurat seperti pusat layanan kepolisian, 4. List of emergency contacts such as police service centre, fire
dan sehat dengan perlakuan dan memenuhi kesetaraan hak ke equal rights to all workers without discrimination based on race, pemadam kebakaran, rumah sakit terdekat, dan sebagainya. department, nearest hospital, and so on.
semua pekerja tanpa adanya diskriminasi yang didasari oleh ras, religion, gender, and political affiliation.
agama, jenis kelamin, dan afiliasi politik. Bank memiliki kebijakan mengenai kesehatan dan keselamatan The Bank has a policy regarding occupational health and
kerja serta lingkungan kerja yang aman dan layak bagi seluruh safety, as well as a safe and proper working environment for all
Selaras dengan tanggung jawab tersebut, Bank selalu In line with these responsibilities, the Bank always ensures to karyawan yang diatur dalam kebijakan No. 057/KP-HCT/SK/HSD/ employees, which is regulated under policy No. 057/KP-HCT/SK/
memastikan untuk menjalankan praktik ketenagakerjaan yang implement of employment practices that are in accordance III/2022 tentang Peraturan Perusahaan. HSD/III/2022 regarding Company Regulations.
sesuai dengan prinsip tata kelola perusahaan yang baik. Bank with the principles of good corporate governance. The Bank
senantiasa memastikan perangkat yang digunakan dalam consistently ensures that the equipment used in employment Tingkat Kecelakaan Kerja Work Accident Rate
praktik ketenagakerjaan, kesehatan dan keselamatan kerja practices, occupational health, and safety are available, Sepanjang tahun 2024, Bank mencatat tidak terjadi kecelakaan Throughout 2024, the Bank recorded no work accidents,
masih tersedia, berfungsi dengan baik dan mudah dijangkau. functioning well, and easily accessible. In addition, the Bank kerja, dikarenakan peran serta aktif Bank dan juga pegawai dalam due to the active participation of the Bank and employees in
Selain itu, Bank juga secara rutin bekerja sama dengan Dinas regularly collaborates with the Jakarta Provincial Government’s menerapkan prosedur keselamatan kerja di lingkungan kerjanya. implementing work safety procedures in their work environment.
Penanggulangan Kebakaran dan Penyelamatan Pemerintah Fire and Rescue Department to conduct training and/or
Provinsi DKI Jakarta dalam melaksanakan pelatihan dan/atau simulations for natural disasters such as earthquakes and fires. Tingkat Pelanggaran Hak Asasi Manusia (HAM) Human Rights Violation Rate
simulasi terjadinya bencana alam gempa bumi dan kebakaran. Sepanjang tahun 2024 tidak terjadi kejadian pelanggaran HAM Throughout 2024, there were no incidents of human rights
termasuk pelecehan seksual dan diskriminasi, dikarenakan peran violations, including sexual harassment and discrimination,
Kesempatan Gender dan Kesempatan Kerja Gender Opportunities and Job Opportunities serta aktif Bank dan juga pegawai dalam menerapkan standar due to the active participation of the Bank and its employees
Bank senantiasa menjamin hak dasar ketenagakerjaan dan The Bank always guarantees basic employment rights and etika di lingkungan kerja. Bank memiliki kebijakan mengenai in upholding ethical standards in the workplace. The Bank has
mengutamakan prinsip kesetaraan tanpa membedakan suku, prioritizes the principle of equality without distinction between HAM No. 426/KP-PERS/SK/ESC/IX/2017 tentang Pedoman a human rights policy under No. 426/KP-PERS/SK/ESC/IX/2017
agama, ras, jenis kelamin, gender, antar golongan, status sosial ethnicity, religion, race, sex, gender, class, social status or other Standar Etika PT Bank of India Indonesia Tbk. regarding the Code of Ethics Guidelines of PT Bank of India
atau hal-hal lainnya yang bersifat diskriminatif dan berpotensi things that are discriminatory and have the potential to violate Indonesia Tbk.
melanggar HAM. Dalam proses perekrutan karyawan, Bank human rights. In the employee recruitment process, the Bank
memberikan kesempatan yang sama dan seluas-luasnya bagi provides equal and broadest opportunities for the best talents, Pendidikan atau Pelatihan Karyawan Employee Education or Training
talenta terbaik termasuk untuk kaum muda dan orang dengan including young people and people with disabilities, to join the Sepanjang tahun 2024, Bank mengadakan pendidikan dan/atau Throughout 2024, the Bank conducted education and/or training
penyandaang disabilitas untuk bergabung menjadi keluarga Bank’s extended family. In addition, the Bank supports efforts pelatihan yang telah dirinci pada bab Tinjauan Unit Pendukung as detailed in the Business Support Unit Review chapter in the
Besar Bank. Selain itu, Bank mendukung upaya untuk mencapai to achieve sustainable development goals in its operational Bisnis bagian Sumber Daya Manusia halaman 77. Human Resources section on pages 77.
tujuan pembangunan berkelanjutan dalam praktek kegiatan activities, for example:
operasionalnya, misalnya seperti: Remunerasi Karyawan Employee Remuneration
1. Mengentaskan kerja paksa, mengakhiri perbudakan modern 1. Eliminate forced labor, end modern slavery and human Bank telah melaksanakan remunerasi karyawan yang telah The Bank has implemented employee remuneration in
dan perdagangan manusia; trafficking; sesuai dengan ketentuan undang-undang yang telah diatur accordance with the provisions of the law which has been
2. Menegakkan larangan dan eliminasi bentuk terburuk dari 2. Enforcing the prohibition and elimination of the worst forms sedemikian rupa dan disesuaikan dengan kebijakan Remunerasi regulated accordingly and adjusted to the Bank’s Remuneration
tenaga kerja anak (tenaga kerja di bawah umur), termasuk of child labor (underage labor), including the recruitment Bank melewati Komite Nominasi dan Remunerasi yang dibentuk policy through the Nomination and Remuneration Committee
perekrutan dan pemanfaatan serdadu anak; and use of child soldiers; oleh Dewan Komisaris dan bersifat independen. formed by the Board of Commissioners and is independent.
3. Memberikan perlakuan yang adil bagi seluruh karyawannya 3. Providing fair treatment to all employees, particularly
terutama dalam hal emansipasi wanita mempertimbangkan regarding women’s empowerment, by considering the Kebijakan remunerasi dan pelaksanaan evaluasi telah disusun The remuneration policy and the implementation of the
prinsip kesetaraan, sesuai dengan Kebijakan Kode Etik dan principles of equality, in accordance with the Code of Ethics dan dilakukan secara berkala oleh Bank dengan tujuan evaluation have been prepared and carried out periodically
nilai-nilai Bank; Policy and the Bank’s values; meningkatkan kesejahteraan karyawan, memotivasi, kompetitif by the Bank with the aim of improving employee welfare,
4. Berbagai upaya lainnya untuk mencapai tujuan 4. Various other efforts to achieve sustainable development dan sesuai dengan kepentingan para Pemegang Saham serta motivating, competitive and in accordance with the interests of
pembangunan berkelanjutan. goals. merefleksikan kinerja terbaik di dalam Tata Kelola perusahaan Shareholders and reflecting the best performance in corporate
dan prinsip-prinsip peraturan manajemen risiko (prudent risk governance and the principles of risk management regulation
Sarana dan Keselamatan Kerja Work Facilities and Safety taking). Selain itu, dalam rangka meningkatkan kesejahteraan (prudent risk taking). In addition, in order to improve employee
Sesuai dengan Undang-Undang No. 1 Tahun 1970 dan Undang- In accordance with Law No. 1 of 1970 and Law No. 23 of 1992, karyawan, Bank telah menyesuaikan gaji karyawan sesuai dengan welfare, the Bank has adjusted employee salaries in accordance
Undang No. 23 Tahun 1992, Bank telah memastikan bahwa the Bank has ensured that all Bank employees have received Upah Minimum Kota (UMK) pada masing-masing kantor cabang. with the City Minimum Wage (UMK) in each branch office. In
seluruh pegawai Bank telah mendapatkan jaminan kesehatan occupational health and safety insurance. As in the discussion Selain itu, Bank juga menyediakan berbagai tunjangan, fasilitas addition, the Bank also provides various benefits, facilities and
dan keselamatan kerja. Seperti dalam pembahasan yang in Law No. 23 of 1992 regarding Occupational Health, it is stated dan sarana fisik lainnya, seperti: other physical facilities, such as:
ada di dalam Undang-Undang No. 23 Tahun 1992 mengenai that occupational health efforts must be organized in every 1. Gaji Pokok 1. Basic Salary
Kesehatan kerja, disebutkan bahwa upaya kesehatan kerja wajib workplace, especially workplaces that have a high risk of health 2. Tunjangan yang terdiri dari: 2. Allowances consisting of:
diselenggarakan pada setiap tempat kerja, khususnya tempat hazards for workers so that they can work properly without a. Asuransi Kesehatan; a. Health Insurance;
kerja yang memiliki risiko bahaya kesehatan yang besar bagi endangering themselves and the surrounding community, b. BPJS Kesehatan; b. BPJS Health;
pekerja agar dapat bekerja secara sehat tanpa membahayakan to obtain optimal work productivity, in line with the labour c. BPJS Ketenagakerjaan; c. BPJS Employment;
diri sendiri dan masyarakat sekelilingnya, untuk memperoleh protection program. In Law No. 1 of 1970, every requirement d. Dana Pensiun Lembaga Keuangan (DPLK); d. Financial Institution Pension Fund (DPLK);
produktivitas kerja yang optimal, sejalan dengan program and need for Occupational Safety throughout the dangerous e. Tunjangan make up bagi karyawan frontliner; e. Makeup allowance for frontline employees;
perlindungan tenaga kerja. Di dalam Undang-Undang No. 1 aspects of work and the types of hazards have been regulated f. Tunjangan makan siang; f. Lunch allowance;
Tahun 1970, setiap syarat dan keperluan Keselamatan Kerja in the legislation. The Bank has always made efforts to provide g. Tunjangan transportasi bagi karyawan yang bekerja g. Transportation allowance for employees who work
seluruh aspek pekerjaan yang berbahaya serta jenis-jenis bahaya facilities and infrastructure to achieve maximum work safety lembur. overtime.
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Tanggung Jawab Sosial Perseroan
Corporate Social Responsibility
3. Pemberian santunan uang duka bagi karyawan. 3. Provision of bereavement benefits for employees. Penggunaan Tenaga Kerja Lokal Use of Local Labor
4. Fasilitas sarana olahraga seperti tenis meja, bulu tangkis, 4. Sports facilities such as table tennis, badminton, and futsal. Bank mengimplementasikan kebijakan tanggung jawab sosial The Bank implements social responsibility policies in the
dan futsal. di bidang kemasyarakatan, salah satunya melalui penggunaan community, one of which is through the use of local labor from
tenaga kerja lokal masyarakat sekitar lingkungan Bank. communities around the Bank’s environment. Throughout 2024,
Mekanisme Pengaduan Masalah Ketenagakerjaan Employment Problem Complaint Mechanism Sepanjang tahun 2024, Bank menggunakan tenaga kerja lokal the Bank used local labor from the surrounding community as
Bank mengutamakan hal kesejahteraan dan kenyamanan The Bank prioritizes the welfare and comfort of employees in dari masyarakat sekitar sebanyak 16 orang. many as 16 people.
karyawan di lingkungan kerja untuk mencapai produktivitas the work environment to achieve maximum productivity. Based
yang maksimal. Berdasarkan hal tersebut, dalam hal mekanisme on this, in terms of the mechanism of employment problems Bentuk Donasi Lainnya Other Forms of Donation
masalah ketenagakerjaan antar pegawai dengan atasan/ between employees and superiors / Banks, the Bank has provided Sepanjang tahun 2024, Bank telah memberikan bantuan Throughout 2024, the Bank has provided scholarship assistance
Bank, Bank telah menyediakan fasilitas pengaduan masalah a complaint facility for employment problems that can be beasiswa kepada 28 siswa dari jenjang SD hingga SMA di to 28 students from elementary to high school levels in various
ketenagakerjaan yang mampu disesuaikan dengan tata cara adjusted to the procedures stipulated in the violation reporting berbagai daerah Indonesia. Bantuan tersebut telah diberikan regions of Indonesia. The assistance has been given in cash to
yang diatur pada prosedur sistem pelaporan pelanggaran yang system procedures that are in accordance with applicable labor secara tunai ke nomor rekening Tabunganku atas nama siswa the Tabunganku account number in the name of the scholarship
telah sesuai dengan ketentuan ketenagakerjaan yang berlaku di provisions in Indonesia. penerima beasiswa. Total bantuan yang disalurkan oleh Bank recipient. The total assistance distributed by the Bank throughout
Indonesia. sepanjang tahun 2024 sebesar Rp124 juta. 2024 amounted to Rp124 million.
TANGGUNG JAWAB SOSIAL DI BIDANG KEMASYARAKATAN Bank telah memberikan bantuan dana untuk kegiatan olahraga The bank has provided financial assistance for sports activities
SOCIAL RESPONSIBILITY IN THE FIELD OF COMMUNITY yang disalurkan setiap tahunnya di mana pada tahun 2024 which is distributed every year, where in 2024 the funds for
Sebagai salah satu bentuk kepedulian, Bank telah melaksanakan As a form of concern, the Bank has implemented community dana kegiatan olahraga sebesar Rp14 juta. Bank juga telah sports activities will be Rp14 million. The bank has also provided
kebijakan tanggung jawab sosial masyarakat. Kebijakan- social responsibility policies. These policies have been memberikan bantuan sembako kepada karyawan non staf basic food assistance to non-staff employees with a total of Rp
kebijakan tersebut telah terlaksana dengan adanya kegiatan implemented by providing assistance that has been routinely dengan total sebesar Rp40 juta. 40 million.
dengan memberi bantuan yang dilakukan secara rutin dilakukan carried out by the Bank for a long time through donations to
oleh Bank sejak lama melalui santunan kepada panti asuhan, orphanages, providing social assistance for natural disasters, Komunikasi mengenai Kebijakan dan Prosedur Anti Korupsi Information on Anti-Corruption Policies and Procedures
memberikan bantuan sosial bencana alam, kegiatan sosial donor conducting educational activities with the aim of increasing Di dalam bidang keuangan, Bank menyadari bahwa industri In the financial sector, the Bank recognizes that the industry is
darah, dan kegiatan sosial lainnya. financial literacy and inclusion in the community, and other tersebut secara umumnya rentan akan penyimpangan tindak generally vulnerable to corruption and similar irregularities.
social activities. pidana korupsi dan sejenisnya. Didasari oleh hal tersebut, Bank Based on this, the Bank has a strict policy on corruption and
memiliki kebijakan tegas mengenai tindak pidana korupsi serta constantly provides Bank employees with anti-corruption
Bank membangun hubungan baik dengan lingkungan sekitar The Bank has fostered strong relationships with the surrounding senantiasa dalam memberikan pegawai Bank pelatihan dan training and education.
mulai di tingkat RT/RW, Pemberdayaan Kesejahteraan Keluarga community, ranging from neighborhood-level entities such pendidikan anti korupsi.
(PKK), Pelindung Masyarakat (Linmas) baik dari TNI maupun as RT/RW, Family Welfare Empowerment (PKK), Community
Polri, petugas pemadam kebakaran, Palang Merah Indonesia Protection (Linmas) involving both military (TNI) and police TANGGUNG JAWAB KEPADA NASABAH
(PMI) dan bahkan organisasi masyarakat (ormas) sekitar. Hal ini (Polri), firefighters, the Indonesian Red Cross (PMI), and even RESPONSIBILITY TO CUSTOMERS
terjalin agar terciptanya harmonisasi keberlanjutan di bidang local community organizations (ormas). These efforts aim to
kemasyarakatan, di mana selama tahun 2024 tidak terdapat establish harmonious and sustainable community engagement, Bank mengerti bahwa nasabah atau konsumen merupakan The Bank understands that customers or consumers are
pengaduan dari masyarakat terkait dampak operasional Bank. with no reported complaints from the public regarding the Bank’s Pemangku Kepentingan yang memiliki kontribusi langsung Stakeholders who have a direct contribution to business
Bank telah melakukan beberapa kegiatan sosial di bidang operational impact throughout 2024. The Bank has carried out kepada kelangsungan usaha. Tingkat kepuasan dan loyalitas continuity. The level of customer satisfaction and loyalty is an
kemasyarakatan yaitu sebagai berikut: several social activities in the community sector, including the
nasabah merupakan katalis penting pada penggunaan produk important catalyst in the use of products and services offered
following:
1. The organization of social activities for blood donation at dan layanan jasa yang ditawarkan oleh Bank. Untuk itu, Bank by the Bank. For this reason, the Bank continues to improve
1. Penyelenggaraan kegiatan sosial donor darah di Kantor
Pusat Bank yang bekerja sama dengan Palang Merah the Bank’s Head Office in collaboration with the Indonesian senantiasa meningkatkan layanan kepada Nasabah baik dari services to customers both in terms of human resources
Indonesia (PMI) pada bulan Maret, Juli dan November 2024. Red Cross (PMI) in March, July, and November 2024. sisi Sumber Daya Manusia yang dimiliki oleh Bank, infrastruktur owned by the Bank, information technology infrastructure and
2. Pemberian beasiswa prestasi anak sekolah tingkat SD, SMP 2. Providing achievement scholarships for elementary, junior teknologi informasi dan pengkinian kebijakan dan prosedur updating policies and procedures in accordance with Regulatory
dan SMA dengan total 28 anak berprestasi (ranking 1, 2 dan high, and senior high school students, totaling 28 high- sesuai ketentuan Regulator. Bank telah menerapkan kebijakan provisions. The Bank has implemented operational policies
3). achieving children (ranking 1, 2, and 3). operasional terkait anti-diskriminasi kepada nasabah yang dapat related to anti-discrimination for customers, ensuring that all
3. Pemberian santunan dan buka puasa bersama anak yatim 3. Giving donations and breaking the fast together with customers are treated fairly in the provision of products and
memastikan bahwa semua nasabah diperlakukan secara adil
Yayasan Riyadussolihin Jakarta Timur. orphans at the Riyadussolihin Foundation in East Jakarta.
dalam penyediaan produk dan layanan serta mendapatkan hak services, and receive equal rights in consumer protection.
4. Pemberian Donasi untuk pembangunan Rumah Ibadah (Kuil) 4. Donation for the construction of a Hindu Temple and
Hindu dan mendukung program kegiatan sosial Yayasan Shri support for the social activity programs of the Shri yang sama dalam pelindungan konsumen.
Sanathana Dharma Aalayam di Jakarta Barat. Sanathana Dharma Aalayam Foundation in West Jakarta.
5. Bank secara rutin telah memberikan Tunjangan Hari Raya 5. The Bank routinely provided holiday allowances (THR) Di tahun 2024, Bank telah menyelenggarakan kegiatan Edukasi In 2024, the Bank has held Financial Education activities to
(THR) kepada Organisasi Masyarakat (ormas) melalui to community organizations (ormas) through proposals Keuangan untuk meningkatkan Literasi dan Inklusi Keuangan di increase Financial Literacy and Inclusion in the Financial Services
proposal yang diajukan ke Bank. submitted to the Bank. Sektor Jasa Keuangan, di mana pada tahun tersebut Bank telah Sector, where in that year the Bank held organized several
menyelenggarakan beberapa kegiatan Edukasi Keuangan yaitu Financial Education activities, namely as follows:
Di tahun 2024, Bank telah menyalurkan dana kegiatan tanggung In 2024, the Bank has distributed funds for bank social and
sebagai berikut :
jawab sosial dan lingkungan Bank dengan total sebesar Rp289 environmental responsibility activities totaling Rp289 million.
1. Pelaksanaan kegiatan Edukasi Keuangan melalui media 1. Implementation of Financial Education activities through
juta. Dalam kegiatan menyalurkan dana Tanggung Jawab Sosial In distributing Corporate Social Responsibility (CSR) funds, the
atau Corporate Social Responsibility (CSR), Bank dan karyawan Bank and its employees must not engage in political activities, online dengan melibatkan 100 Perempuan khususnya online media involving 100 women, especially housewives,
tidak boleh terlibat dalam kegiatan politik, termasuk memberikan including providing funds for political purposes. During 2024, the Ibu Rumah Tangga, bekerja sama dengan Kelompok in collaboration with the Family Welfare Empowerment
dana untuk kepentingan politik. Selama tahun 2024, Bank tidak Bank did not provide funds for political activities. This policy is Pemberdayaan Kesejahteraan Keluarga (PKK) Kecamatan Group (PKK) of Sawah Besar District, Central Jakarta.
melakukan pemberian dana untuk kegiatan politik. Kebijakan implemented to maintain the independence and professionalism Sawah Besar Jakarta Pusat.
ini diterapkan guna menjaga independensi dan profesionalisme of the Bank and its employees. In line with its vision and mission, 2. Bank Goes to School: Seminar Edukasi Keuangan bagi 2. Bank goes to School: Financial Education Seminar for
Bank dan karyawan. Sejalan dengan visi dan misinya, Bank the Bank consistently provides optimal contributions to social Pelajar tingkat Sekolah Menengah Kejuruan (SMK) Vocational High School (SMK) students held at SMK
konsisten memberikan kontribusi optimal pada kegiatan sosial activities in implementing corporate social responsibility.
dalam pelaksanaan tanggung jawab sosial perusahaan.
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Tanggung Jawab Sosial Perseroan
Corporate Social Responsibility
yang diselenggarakan di SMK Negeri 3 Jakarta dan SMK Negeri 3 Jakarta and SMK Muhammadiyah 1 Jakarta. Sarana, Jumlah dan Penanggulangan atas Pengaduan Facilities, Amount and Handling of Consumer Complaints
Muhammadiyah 1 Jakarta. Konsumen
3. Pembukaan booth promosi penjualan produk berinsentif 3. Opening a promotional booth for incentive product sales Bank senantiasa memberikan pelayanan yang terbaik kepada The Bank always provides the best service to consumers and
Bulan Inklusi Keuangan (BIK) di Apartemen Taman during Financial Inclusion Month (BIK) at Taman Kemayoran konsumen dan berupaya menyelesaikan setiap permasalahan strives to resolve any problems faced by consumers quickly,
Kemayoran Kondominium, Jakarta Pusat. Condominium Apartments, Central Jakarta. yang dihadapi konsumen secara cepat, tepat dan akurat. precisely and accurately. As a form of effort to improve services
4. Publikasi Kampanye “Gerakan Bersama Edukasi Pelindungan 4. Publication of the “Gerakan Bersama Edukasi Pelindungan Sebagai bentuk upaya untuk meningkatkan pelayanan atas for consumer complaints and their resolution, the Bank has
Konsumen” (GENPEKA) dan “Gerakan Nasional Cerdas Konsumen” (GENPEKA) and “Gerakan Nasional Cerdas pengaduan konsumen dan penyelesaiannya, Bank telah memiliki Standard Operations and Procedures for consumer complaints
Keuangan” (GENCARKAN) melalui video edukasi yang Keuangan” (GENCARKAN) campaigns through educational Standar Operasional dan Prosedur atas pengaduan konsumen as regulated by the Bank in Decree No. 003/KP-BD/INT/SK/
diunggah di website dan media sosial milik Bank. videos uploaded on the Bank’s website and social media. sebagaimana yang telah diatur Bank dalam Surat Keputusan BH/III/17. During 2024, the Bank has resolved 60 consumer
5. Seminar Bisnis dengan tema memberdayakan pengusaha 5. Empowered local entrepreneurs “Building Financial Literacy Direksi No. 003/KP-BD/INT/SK/BH/III/17. Selama tahun 2024, complaints in accordance to regulations.
lokal “Membangun Literasi Keuangan dan Pertumbuhan and Sustainable Business Growth with Global Insights” Bank telah menyelesaikan sebanyak 60 pengaduan konsumen
Bisnis Berkelanjutan dengan Wawasan Global” bekerja themed Business Seminar in collaboration with the Consulate sesuai dengan ketentuan regulator.
sama dengan Konsulat Jenderal India, Dewan Pimpingan General of India, Medan Branch Leadership Council of the
Cabang Ikatan Wanita Pengusaha Indonesia (IWAPI) Kota Indonesian Women Entrepreneurs Association (IWAPI), and
Medan dan Bank Indonesia. Bank Indonesia.
Kesehatan dan Keselamatan Konsumen Consumer Health and Safety
Bank berkomitmen untuk menjaga kesehatan dan keselamatan The Bank is committed to care for the health and safety of
konsumen dengan memastikan setiap produk, layanan, serta consumers by making sure each product, service, as well as
proses operasional memenuhi standar keamanan yang tinggi. operational processes are up to high security standards. Through
Melalui berbagai inisiatif, termasuk edukasi, perlindungan various initiatives, including education, data protection, and
data, serta peningkatan kualitas layanan, Bank terus berupaya improvements on the quality of services, the Bank continues
menciptakan lingkungan perbankan yang aman, nyaman, dan to create a banking environment that is safe, comfortable, and
terpercaya bagi seluruh nasabah. trusted for all customers.
Sebagai bentuk dukungan terhadap praktik kesehatan dan As a form of support towards the practice of health and safety
keselamatan konsumen, Bank telah memiliki layanan hotline of consumers, the Bank now possesses a hotline contact center
contact center yaitu Hello BOII 150707, di mana nomor ini dapat service which is Hello BOII 1507070, in which the number
dihubungi untuk melayani pengaduan dan/atau pertanyaan is available to respond to complaints and/or questions for
nasabah setiap saat (24 jam sehari 7 hari seminggu) dan website customers at all times (24 hours, 7 days a week) and the Bank’s
Bank telah dilengkapi dengan layanan chatbot bernama TAARA website is equipped with a chatbot service named TAARA
yang dapat membantu memberikan jawaban sederhana terkait that can assist in giving basic answers related to a customer’s
dengan pertanyaan/pengaduan nasabah mengenai produk/ question/complaint on the Bank’s product/service. Additionally,
layanan Bank. Selain itu, Bank juga telah memiliki email the Bank also possesses a customer report email which is
pengaduan nasabah yaitu boiicare@boiindonesia.co.id. boiicare@boiindonesia.co.id.
Informasi Barang dan/atau Jasa Information on Goods and/or Services
Bertujuan untuk mengatur fungsi perencanaan, pelaksanaan dan In order to regulate the functions of planning, implementation
pengawasan pengadaan barang dan/atau jasa agar sesuai dengan and supervision of procurement of goods and/or services in
fungsi, hak dan kewajiban, Bank telah membentuk Komite accordance with the functions, rights and obligations, the Bank
Pengadaan Barang dan Jasa (Komite Procurement) dengan Surat has established a Procurement Committee with the Decree of
Keputusan Direksi No. 087/KP-GA/INT/SK/ESC/XI/2024 tanggal the Board of Directors No. 087/KP-GA/INT/SK/ESC/XI/2024 dated
26 November 2024 tentang Komite Pengadaan Barang dan Jasa. November 26, 2024 concerning the Procurement Committee.
Komite Procurement bertugas dalam proses pengadaan Barang The Procurement Committee is responsible for making the
dan Jasa dapat berjalan menjadi lebih efisien, efektif, transparan procurement process more efficient, effective, transparent and
serta akuntabel. accountable.
Setiap karyawan Bank harus dapat menerapkan etika dan Every employee of the Bank must be able to apply the Bank’s ethics
nilai-nilai perusahaan agar dapat bekerja secara profesional and values in order to work professionally and independently
dan mandiri didasari dengan kejujuran serta menghindari dan based on honesty as well as avoiding and preventing conflicts of
mencegah terjadinya benturan kepentingan dari pihak terkait interest from related parties in the process of procuring goods
dalam proses pengadaan barang dan/atau jasa. and/or services.
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07 LAMPIRAN Annexures
Page 107
Lampiran
Annexures
PENDEKATAN MANAJEMEN RISIKO BANK urusan bisnis dengan operasional dalam pelaksanaan aktivitas
perbankan. Mitigasi risiko juga didasarkan atas temuan-temuan
banking activities. Risk mitigation is also based on the findings
of the Internal Audit Unit and Internal Control Unit so that
RISK MANAGEMENT APPROACH OF THE BANK Unit Audit Intern dan Unit Pengendalian Intern sehingga setiap any problems that arise can be handled immediately so as not
a. Model Bisnis a. Business Model permasalahan yang muncul bisa segera ditangani agar tidak to cause bigger problems. Furthermore, the Bank also has
Model bisnis yang ditetapkan oleh Bank tidak terlepas dari The business model set by the Bank is inseparable from its menimbulkan masalah yang semakin besar. Lebih jauh, Bank guidelines for the provision of bonuses/rewards in order to
kapasitas permodalan yang dimiliki. Di mana besar kecilnya capital capacity. Where the size of the capital will also control juga memiliki pedoman pemberian bonus/reward agar dapat further motivate employees to complete their tasks in full with
modal tersebut akan mengendalikan pula bisnis yang akan the business that will be run. In the business group, the Bank is lebih memotivasi karyawan menyelesaikan tugas-tugasnya minimal risk.
dijalankan. Dalam kelompok usaha, Bank dikategorikan dalam categorized in Bank Group by Tier 1 Capital (KBMI) 1, which is a secara paripurna dengan risiko yang minimal.
Kelompok Bank Berdasarkan Modal Inti (KBMI) 1, yaitu kelompok group of banks with core capital ownership below Rp6 trillion.
bank dengan kepemilikan modal inti dibawah Rp6 triliun. As stated in the Bank’s mission, namely “Providing superior d. Ruang Lingkup dan Fitur Utama Pengukuran Risiko
Sebagaimana tertuang dalam Misi Bank yaitu “menyediakan services that focus on the prudent principles and good corporate Bank terekspos risiko kredit, risiko kepatuhan dan risiko d. The Scope and Main Features of Risk Measurement
layanan unggulan yang berfokus pada prinsip kehati-hatian dan governance to increase value for stakeholders”, the Bank has operasional yang terlihat dari hasil penilaian self-assessment Bank terekspos risiko kredit, risiko kepatuhan dan risiko
tata kelola perusahaan yang baik untuk meningkatkan nilai bagi set its business model to increase the acquisition of new MSME Profil Risiko. operasional yang terlihat dari hasil penilaian self-assessment
para pemangku kepentingan”, maka Bank telah menetapkan and Corporate customers. In addition, the Bank tends to be Profil Risiko.
model bisnisnya untuk meningkatkan akuisisi nasabah baru conservative in managing its business by limiting the economic e. Proses Pelaporan
UMKM dan Korporasi. Selain itu Bank cenderung konservatif sectors targeted for lending. Bank secara rutin melakukan keterbukaan terkait eksposur risiko e. Reporting Process
dalam mengelola bisnisnya, yaitu dengan membatasi sektor yang dihadapi dalam berbagai laporan antara lain: Laporan The Bank routinely discloses related risk exposures, in various
ekonomi yang menjadi target penyaluran kreditnya. Maturity Gap, Laporan Profil Risiko dan Tingkat Kesehatan Bank, reports, including Maturity Gap Reports, Risk Profile Reports
Laporan ATMR dan Permodalan, serta dilakukan diskusi dalam and Bank Soundness Levels, RWA and Capital Reports as well
Sejalan dengan model bisnis tersebut, Bank melakukan mitigasi In line with this business model, the Bank mitigates credit risk by forum rapat, seperti Rapat ALCO, Rapat Komite Manajemen as discussions in meeting forums, such as ALCO Meetings, Risk
risiko kredit dengan mensyaratkan jaminan fisik yang mengcover requiring physical collateral that covers the credit provided, and Risiko, Rapat Komite Pemantau Risiko, Rapat Komite Human Management Committee Meetings, Meetings Risk Monitoring
kredit yang diberikan, bahkan jika diperlukan Bank juga akan if necessary the Bank will also ask for other additional collateral. Capital dan Rapat Komite IT. Committee, Human Capital Committee Meeting and IT
meminta jaminan tambahan lain. Selain risiko kredit, penyaluran In addition to credit risk, lending also affects other risks, such Committee Meeting.
kredit tersebut juga berimbas pada risiko lain, seperti risiko as compliance risk related to credit requirements and fulfillment f. Stress Test
kepatuhan terkait persyaratan kredit dan pemenuhan ketentuan of existing regulations, legal risk related to the eligibility of • Stress Test Risiko Likuiditas f. Stress Test
yang ada, risiko hukum terkait dengan kelayakan dokumen legal documents, and also reputation risk in case of prolonged Penilaian Stress Test risiko Likuiditas, Bank menggunakan • Liquidity Risk Stress Test
legal, dan juga risiko reputasi seandainya terjadi sengketa disputes with customers. pendekatan Bank-Specific Stress Scenario dan/atau Liquidity Risk Stress Test assessment, the Bank employs
berkepanjangan dengan nasabah. General/Market Stress Scenario antara lain: the Bank-Specific Stress Scenario and/or General/
Market Stress Scenario, including:
Secara regular Bank melakukan kajian terhadap profil risiko bank, The Bank regularly reviews the Bank’s risk profile, both at the
baik di level Direksi yaitu dalam Rapat Komite Manajemen Risiko Board of Directors level in the Risk Management Committee
maupun di level Komisaris oleh Komite Pemantau Risiko, untuk Meeting and at the Commissioner level by the Risk Monitoring BANK OF INDIA INDONESIA
memastikan profil risiko yang ada tetap berada dalam koridor Committee, to ensure that the existing risk profile remains within STRESS TEST - LIKUIDITAS
yang diharapkan sesuai risk tolerance Bank, maupun sejalan the expected range according to the Bank’s risk tolerance, as well STRESS TEST - LIQUIDITY
dengan Rencana Bisnis Bank. as in line with the Bank’s Business Plan.
Skenario 1 Dampak Rendah Skenario 2 Dampak Sedang Skenario 3 Dampak Tinggi
b. Tata Kelola Risiko b. Risk Governance
Scenario 1 Low Impact Scenario 1 Low Medium Scenario 1 Low Medium
Untuk meminimalkan terjadinya risiko, Bank mengelola risiko To minimize the occurrence of risk, the Bank manages risk in
secara berjenjang, dari level pelaksana sebagai lini pertama stages, from the implementing level as the first line of defense,
pertahanan, level pembuat kebijakan dalam hal ini Satuan Kerja the policy maker level in this case the Risk Management and Penarikan Non-Core DPK / 20,00% Penarikan Non-Core DPK / 25,00% Penarikan Non-Core DPK / 30,00%
Manajemen Risiko dan Kepatuhan yang berperan sebagai lini Compliance Unit which acts as the second line of defense, and the Withdrawal of Non-Core DPK Withdrawal of Non-Core DPK Withdrawal of Non-Core DPK
kedua pertahanan, dan Satuan Kerja Audit Intern (SKAI) sebagai Audit work unit as a post-mortem unit or third line of defense. In
post-mortem unit atau lini ketiga pertahanan. Selain itu, Bank addition, the Bank also has a Risk Management Committee and Penarikan Core DPK / 10,00% Penarikan Core DPK / 15,00% Penarikan Core DPK / 20,00%
a Risk Monitoring Committee in charge of conducting periodic Withdrawal of Core DPK Withdrawal of Core DPK Withdrawal of Core DPK
juga memiliki Komite Manajemen Risiko dan Komite Pemantau
Risiko yang bertugas melakukan monitoring berkala serta monitoring and review of the implementation of risk governance.
mengkaji pelaksanaan tata kelola risiko.
• Peningkatan tunggakan angsuran pokok dan/atau angsuran • An increase in overdue principal and/or interest instalments,
c. Budaya Manajemen Risiko c. Management Risk Culture bunga kredit, sehingga mengurangi sumber dana arus kas. reducing cash flow funding sources.
Dalam pelaksanaan aktivitasnya, Bank juga berpedoman pada In carrying out its activities, the Bank is also guided by its • Dalam melakukan Stress Test likuiditas yang dipengaruhi • When conducting a liquidity stress test influenced by credit
nilai-nilai perusahaan, yaitu STAR yang merupakan akronim dari : corporate values, namely STAR which is an acronym for: dari kegiatan perkreditan, dapat menggunakan asumsi- activities, the following assumptions may be used:
1. Sensible; bijaksana dan penuh kehati-hatian 1. Sensible; wise and prudent asumsi antara lain:
2. Trustworthy; dapat dipercaya dan diandalkan 2. Trustworthy; dependable and reliable a. Mengesampingkan cash collateral atas kredit back to a. Disregarding cash collateral for back-to-back loans.
3. Accommodative; penuh pengertian dan selalu memberikan 3. Accommodative; understanding and always providing back.
solusi solutions b. Tidak ada dana arus kas masuk dari penjualan agunan. b. No cash inflows from the sale of collateral.
4. Responsive; bertindak cepat dan benar. 4. Responsive; act quickly and correctly.
Secara berkala, manajemen melakukan gathering baik di tingkat Periodically, management conducts gatherings at both branch
kantor cabang maupun nasional dengan tujuan mengarahkan and national levels with the aim of directing all employees at all
seluruh karyawan di semua level agar dapat bersinergi mencapai levels to synergize to achieve common goals based on this culture.
tujuan bersama berdasarkan budaya tersebut. Karyawan Employees also annually sign an integrity pact, in the form of
juga setiap tahun menandatangani pakta integritas, berupa a statement letter to comply with all existing regulations. The
surat pernyataan untuk mematuhi segala ketentuan yang ada. Bank also separates the business and marketing function from
Bank juga memisahkan fungsi bisnis dan marketing dengan the operational function to ensure dual-control and separation
fungsi operasional agar terjadi dual-control serta pemisahan of business and operational matters in the implementation of
PT BANK OF INDIA INDONESIA Tbk PT BANK OF INDIA INDONESIA Tbk
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g. Credit Risk Stress Test
g. Stress Test Risiko Kredit
Faktor-faktor yang dapat mempengaruhi kondisi stress kredit Factors that may influence the credit stress condition of the Bank KEY METRICS SECARA KONSOLIDASI (KM1)
pada Bank diantaranya: include: CONSOLIDATED KEY METRICS (KM1)
a. Portofolio Outstanding (Total Kredit) a. Outstanding Portfolio (Total Credit)
b. Special Mention (SM) b. Special Mention (SM) Desember September Juni Maret Desember
c. Non Performing Loan (NPL) c. Non-Performing Loan (NPL) December September June March December
d. Rasio NPL gross d. Gross NPL ratio Deskripsi / Description
e. Cadangan Kerugian Penurunan Nilai (CKPN) e. Allowance for Impairment Losses (CKPN) 2024 2024 2024 2024 2023
f. Rasio NPL Net f. Net NPL ratio Modal yang Tersedia (nilai) / Available Capital (value)
Modal Inti Utama (CET1) / Main Core Capital (CET1) 3.357.542 3.245.124 3.254.715 3.300.108 3.291.816
Skenario yang digunakan antara lain: The scenarios used include:
a. Skenario 1 (Low/Marginal) a. Scenario 1 (Low/Marginal) Modal Inti (Tier 1) / Core Capital (Tier 1) 3.357.542 3.245.124 3.254.715 3.300.108 3.291.816
Penurunan kolektibilitas 2 dengan Days Past Due (DPD) 61 A decline in collectability category 2 with Days Past Due
Total Modal / Total Capital 3.389.439 3.274.987 3.286.128 3.329.797 3.322.903
sampai dengan 90 hari menjadi kolektibilitas 3. (DPD) of 61 to 90 days, shifting to collectability category 3.
b. Skenario 2 (Medium/Mild) b. Scenario 2 (Medium/Mild) Aset Tertimbang Menurut Risiko (Nilai)
Penurunan seluruh kolektibilitas 2 menjadi kolektibilitas 3 A decline in all collectability category 2 accounts to Total Aset Tertimbang Menurut Risiko (ATMR) / Risk Weighted Total Assets (RWA) 3.826.602 3.624.924 3.713.068 3.624.147 3.590.928
collectability category 3.
Rasio Modal berbasis Risiko dalam bentuk persentase dari ATMR
c. Skenario 3 (High/Severe) c. Scenario 3 (High/Severe)
• Penurunan 10% kolektibilitas 1 menjadi kolektibilitas 2 • A 10% decline in collectability category 1 accounts to Rasio CET1 (%) / CET1 Ratio (%) 87,74% 89,52% 87,66% 91,06% 91,67%
collectability category 2. Rasio Tier 1 (%) / Tier 1 Ratio (%) 87,74% 89,52% 87,66% 91,06% 91,67%
• Penurunan seluruh kolektibilitas 2 menjadi kolektibilitas • A decline in all collectability category 2 accounts to
3 collectability category 3. Rasio Total Modal (%) / Total Capital Ratio (%) 88,58% 90,35% 88,50% 91,88% 92,54%
Tambahan CET1 yang berfungsi sebagai buffer dalam bentuk persentase dari ATMR / Additional CET1 which functions as a buffer in the form of a percentage of RWA
Capital conservation buffer (2.5% dari ATMR) (%) / Capital conservation buffer (2.5% dari ATMR) (%) 0% 0% 0% 0% 0%
Posisi 31 Desember Kenaikan Cadangan Kerugian Countercyclical Buffer (0 - 2.5% dari ATMR) (%) / Countercyclical Buffer (0 - 2.5% dari ATMR) (%) 0% 0% 0% 0% 0%
2024 Penurunan Nilai (CKPN)
Skenario / Scenario Posisiton December, Impairment Provision on Earning Assets Capital Surcharge untuk Bank Sistemik (1% - 2.5%) (%) /
0% 0% 0% 0% 0%
Capital Surcharge for Systemic Bank (1% - 2.5%) (%)
31, 2024 30% 50% 70% 100%
Total CET1 sebagai buffer (Baris 8 + Baris 9 + Baris 10) /
0% 0% 0% 0% 0%
Aset Tertimbang Menurut Risiko (ATMR) Total CET1 as buffer (Line 8 + Line 9 + Line 10)
2.595.076 2.595.076 2.595.076 2.595.076 2.595.076
Risk Weighted Assets
Desember 2021 / December, 2021 Komponen CET1 untuk buffer / CET1 Component as buffer 10% 10% 10% 10% 10%
Modal Inti 3.304.585 3.304.585 3.304.585 3.304.585 3.304.585
Core Capital
Rasio pengungkit sesuai Basel III / Leverage ratio according to Basel III
Total Modal 3.322.245 3.256.330 3.199.571 3.142.813 3.057.675 Total Eksposur / Total exposure 6.827.709 6.653.185 7.161.695 6.311.032 6.143.174
Capital Total
Kewajiban Penyediaan Modal Minimum (KPMM) Nilai Rasio Pengungkit, termasuk dampak dari penyesuaian terhadap pengecualian sementara atas
128.02% 125.48% 123.29% 121.11% 117.83%
Minimum Capital Adequacy Requirement
penempatan giro pada Bank Indonesia dalam rangka memenuhi ketentuan GWM (jika ada)
Total Loan Leverage Ratio value, including the impact of adjustments to the temporary exemption on current 49,18% 48,78% 45,45% 52,29% 53,58%
2.505.160 2.505.160 2.505.160 2.505.160 2.505.160 account placements with Bank Indonesia in order to comply with the statutory reserve requirement
Loan Total
(if any)
Cadangan Kerugian Penurunan Nilai (CKPN) 144.350 210.265 267.023 323.782 408.919
Impairment Provision on Earning Assets Nilai Rasio Pengungkit, tidak termasuk dampak dari penyesuaian terhadap pengecualian sementara
atas penempatan giro pada Bank Indonesia dalam rangka memenuhi ketentuan GWM (jika ada)
Cadangan Kerugian Penurunan Nilai Kredit Bermasalah (CKPN NPL) Leverage Ratio value, excluding the impact of adjustments to the temporary exemption on current 49,18% 48,78% 45,45% 52,29% 53,58%
Non Performing Loan Impairment Provision on Earning Assets 106.171 191.309 248.067 304.826 389.963
account placements with Bank Indonesia in order to comply with the statutory reserve requirement
Kredit Bermasalah (NPL) (if any)
227.256 511.048 511.048 511.048 511.048
Non Performing Loan
Nilai Rasio Pengungkit, termasuk dampak dari penyesuaian terhadap pengecualian sementara atas
Kredit Bermasalah Terhadap Total Kredit (NPL Gross) penempatan giro pada Bank Indonesia dalam rangka memenuhi ketentuan GWM (jika ada), yang
9,07% 20,40% 20,40% 20,40% 20,40%
Risk Weighted Assets telah memasukkan nilai rata-rata dari nilai tercatat aset Securities Financing Transaction (SFT) secara
gross
Kredit Bermasalah Terhadap Total Kredit - Bersih (NPL NET) 49,18% 48,78% 45,45% 52,29% 53,58%
4,83% 12,76% 10,50% 8,23% 4,83% Leverage Ratio, including the impact of adjustments to the temporary exemption on current account
Non Performing Loan Ratio - Net
placements with Bank Indonesia in order to comply with the statutory reserve requirement (if any),
which includes the average value of the gross carrying value of Securities Financing Transaction (SFT)
assets
h. Lindung Nilai h. Hedging Nilai Rasio Pengungkit, tidak termasuk dampak dari penyesuaian terhadap pengecualian sementara
Dalam hal bank berinvestasi di pasar uang maka Bank In the event that the bank invests in the money market, the atas penempatan giro pada Bank Indonesia dalam rangka memenuhi ketentuan GWM (jika ada),
yang telah memasukkan nilai rata-rata dari nilai tercatat aset SFT secara gross
akan menerapkan strategi lindung nilai (hedging) untuk Bank will implement a hedging strategy to ensure that if one Leverage Ratio, excluding the impact of adjustments to the temporary exemption on current account 49,18% 48,78% 45,45% 52,29% 53,58%
memastikan bahwa jika satu investasi gagal, ada investasi investment fails, there is another profitable investment to offset placements with Bank Indonesia in order to comply with the statutory reserve requirement (if any),
which includes the average value of the gross carrying value of Securities Financing Transaction (SFT)
lain yang menguntungkan guna mengimbangi kerugian the loss of the first investment. In addition, to mitigate market assets
investasi pertama. Selain itu untuk memitigasi risiko pasar, risk, the Bank always implements a squaring position policy, Rasio Kecukupan Likuiditas (LCR) / Liquidity Coverage Ratio (LCR)
Bank senantiasa menerapkan kebijakan squaring position, thereby minimizing the occurrence of excess funds on the
Total Aset Likuid Berkualitas Tinggi (HQLA) / Total High Quality Liquid Assets (HQLA) 2.127.697 2.556.004 2.414.012 1.903.553 1.792.550
sehingga meminimalkan terjadinya excess dana pada neraca Bank’s balance sheet that are at risk of incurring losses due to
Bank yang berisiko menimbulkan kerugian akibat pergerakan movements in interest rates and exchange rates in the money Total Arus Kas Keluar Bersih (net cash outflow) / Total Net Cash Outflow 139.416 168.335 152.341 117.546 52.918
suku bunga maupun nilai tukar di pasar uang. Sepanjang market. Throughout 2024, the Bank’s Treasury activities were
LCR (%) / LCR (%) 1526,15% 1518,40% 1584,61% 1619,41% 3387,41%
tahun 2024, aktivitas Treasury Bank hanyalah bersifat only plain-vanilla in nature, namely the placement of financial
plain-vanilla yaitu penempatan instrumen keuangan pada instruments with the government. Rasio Pendanaan Stabil Bersih (NSFR) / Net Stable Funding Ratio (NSFR)
pemerintah. Total Pendanaan Stabil yang Tersedia (ASF) / Total Available Stable Funding (ASF) 5.864.498 5.810.100 6.247.910 5.601.167 5.580.623
Total Pendanaan Stabil yang Diperlukan (RSF) / Total Required Stable Funding (RSF) 2.721.080 2.610.013 2.814.810 2.598.623 2.586.920
NSFR (%) / NSFR (%) 215,52% 222,61% 221,97% 215,54% 215,72%
PT BANK OF INDIA INDONESIA Tbk PT BANK OF INDIA INDONESIA Tbk
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PERBEDAAN ANTARA CAKUPAN KONSOLIDASI SESUAI STANDAR PERBEDAAN ANTARA CAKUPAN KONSOLIDASI SESUAI STANDAR
AKUNTANSI DENGAN KETENTUAN KEHATI-HATIAN (LI1) AKUNTANSI DENGAN KETENTUAN KEHATI-HATIAN (LI1)
DIFFERENCES BETWEEN SCOPE OF CONSOLIDATION ACCORDING TO ACCOUNTING STANDARDS AND DIFFERENCES BETWEEN SCOPE OF CONSOLIDATION ACCORDING TO ACCOUNTING STANDARDS
PRUDENTIAL PROVISIONS (LI1) AND PRUDENTIAL PROVISIONS (LI1)
a b c d e f g
a b c d e f g
Nilai tercatat masing-masing risiko / Carrying amount of each risk
Nilai tercatat
sebagaimana Nilai tercatat
Nilai tercatat masing-masing risiko / Carrying amount of each risk
Aset / Asset tercantum dalam
publikasi laporan
berdasarkan prinsip
kehati-hatian Sesuai Kerangka
Sesuai kerangka Sesuai kerangka
Tidak mengacu pada
persyaratan permodalan
keuangan counterparty Sesuai kerangka
Carrying amount risiko kredit sekuritisasi risiko pasar atau berdasarkan
Nilai tercatat Nilai tercatat Tidak mengacu Carrying value based on the credit risk In accordance
as stated in the precautionary In accordance In accordance with In accordance pengurangan modal
sebagaimana berdasarkan Sesuai pada persyaratan financial statement with the credit risk the counterparty
with the with the market Does not refer to capital
Aset / Asset tercantum dalam
publikasi laporan
prinsip kehati- Sesuai kerangka Sesuai
kerangka Sesuai permodalan atau publication
principle
framework credit risk
framework
framework of
securitization risk framework requirements or based
hatian / Kerangka counterparty kerangka risiko berdasarkan on capital reduction
keuangan / Carrying sekuritisasi /
Carrying value amount risiko kredit / credit risk / pasar / pengurangan
In Kewajiban / Liabilities
as stated in the based on the In accordance In accordance In accordance modal /
financial statement accordance
precautionary with the with the with the Does not refer
publication principle with the Giro / Current account 481.456 - - - - - -
credit risk counterparty market risk to capital
framework of
framework credit risk framework requirements or
securitization Tabungan / Saving account 96.460 - - - - - -
framework based on capital
reduction
Deposito / Deposit 2.524.789 - - - - - -
Kas / Cash 14.061 14.061 14.061 - - - -
Uang elektronik / Electronic money - - - - - - -
Penempatan pada Bank Indonesia / Placement with Bank Liabilitas kepada Bank Indonesia / Liabilities to Bank
254.321 254.321 254.321 - - - - - - - - - - -
Indonesia Indonesia
Penempatan pada bank lain / Placement with other banks 7.270 7.270 7.270 - - - - Liabilitas kepada bank lain / Liabilities to other banks ) 209.297 - - - - - -
Tagihan spot dan derivatif/ forward / Spot and derivatives/ Liabilitas spot dan derivatif /forward / Spot and
1.350 1.350 - 1.350 - - - 2.204 - - - - - -
forward receivables derivative/forward liabilities
Surat berharga yang dimiliki / Held-to-maturity marketable Liabilitas atas surat berharga dijual dengan janji dibeli
1.962.741 1.962.741 1.962.741 - - - - kembali (repo)
securities - - - - - - -
Liabilities on securities sold under repurchase agree-
Surat berharga yang dijual dengan janji dibeli kembali (repo) ment (repo)
- - - - - - -
Securities sold under repurchase agreement (repo)
Liabilitas akseptasi / Acceptance liabilities - - - - - - -
Tagihan atas surat berharga yang dibeli dengan janji dijual
kembali (reverse repo) Surat berharga yang diterbitkan / Securities issued - - - - - - -
266.444 266.444 - 266.444 - - -
Receivables on securities purchased under agreement to resell
(reverse repo) Pinjaman/pembiayaan yang diterima / Loans / financ- - - - - - - -
ing received
Tagihan akseptasi / Acceptance of receivables - - - - - - - Setoran jaminan / Security deposit 744 - - - - - -
Kredit yang diberikan / Loan disbursed 4.140.311 4.140.311 4.140.311 - - - - Liabilitas antar kantor 2) / Interoffice liabilities 2) - - - - - - -
Pembiayaan syariah 1) / Sharia financing 1) - - - - - - Liabilitas lainnya / Other liabilities 42.843 - - - - - -
Penyertaan modal / Equity capital - - - - - - Total liabilitas / Total liabilities 3.357.794
Aset keuangan lainnya / Other financial assets 21.565 21.565 21.565 - - - - EKUITAS Y / Y EQUITY
Modal disetor / Paid in Capital - - - - - - -
Cadangan kerugian penurunan nilai aset keuangan -/- - - - - - -
Allowance for impairment losses on financial assets -/- a. Modal dasar / Authorized capital 2.200.000 - - - - - -
a. Surat berharga yang dimiliki / Held-to-maturity market- b. Modal yang belum disetor -/-/ Unpaid capital -/- 1.462.227 - - - - - -
- - - - - -
able securities
c. Saham yang dibeli kembali (treasury stock) -/-/ - - - - - - -
b. Kredit yang diberikan dan pembiayaan syariah Treasury stock -/-
119.077 96.452,43 96.452 - - - -
Loan disbursed and sharia financing
Tambahan modal disetor / Additional paid in capital - - - - - -
c. Lainnya / Others - - - - - -
a. Agio / Agio 2.895.254 - - - - - -
Aset tidak berwujud / Intangible assets 27.683 - - - - - b. Disagio / Disagio - - - - - - -
Akumulasi amortisasi aset tidak berwujud -/- c. Dana setoran modal / Funds of capital payment - - - - - - -
22.202 - - - - -
Accumulated amortization of intangible assets -/-
d. Lainnya / Others - - - - - -
Aset tetap dan inventaris / Fixed assets and inventory 157.658 157.658 157.658 - - - -
Penghasilan komprehensif lain / Other comprehensive - - - - - -
Akumulasi penyusutan aset tetap dan inventaris -/- income
Accumulated depreciation on fixed assets and inventory 31.793 31.793 31.793 - - - -
-/- a. Keuntungan / Profit 107.627 - - - - - -
Aset non produktif / Non-productive assets - - - - - - - b. Kerugian / Loss 1.260 - - - - - -
Cadangan / Reserves - - - - - -
a. Properti terbengkalai / Abandoned property - - - - - - -
a. Cadangan umum / General reserves 20.000 - - - - - -
b. Agunan yang diambil alih / Foreclosed assets 96.235 96.235 96.235 - - - -
b. Cadangan tujuan / Purpose reserves - - - - - - -
c. Rekening tunda / Pending account - - - - - - -
Laba Rugi / Profit and Loss - - - - - -
d. Aset antar kantor 2) / Interoffice assets 2) - - - - - - -
a. Tahun-tahun lalu / Previous years (380.785) - - - - - -
Aset lainnya / Other assets 38.590 43.422 43.422 - - - -
b. Tahun berjalan 3) / Current year 3) 78.755 - - - - - -
Total aset / Total assets 6.815.157 6.837.132 6.569.338 267.794 - - - c. Dividen dibayarkan -/-/ Dividend paid - - - - - - -
TOTAL EKUITAS / TOTAL EQUITY 3.457.364 - - - - - -
TOTAL LIABILITAS DAN EKUITAS / TOTAL LIABILITIES - - - - - -
6.815.157
AND EQUITY
PT BANK OF INDIA INDONESIA Tbk PT BANK OF INDIA INDONESIA Tbk
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SUMBER PERBEDAAN UTAMA ANTARA EKSPOSUR SESUAI KE- PERMODALAN - KOMPOSISI PERMODALAN (CC1)
TENTUAN KEHATI-HATIAN DENGAN CARRYING VALUES SESUAI CAPITAL - COMPOSITION OF CAPITAL (CC1)
STANDAR AKUNTANSI KEUANGAN (LI2) Komponen Component
Jumlah (Dalam Jutaan Rupiah) /
Total (in million Rupiah)
SOURCES OF MAIN DIFFERENCES BETWEEN EXPOSURE ACCORDING TO PRUDENTIAL PROVISIONS
Instrumen dan Tambahan Modal Disetor / Instruments and Additional Paid-in Capital
WITH CARRYING VALUES ACCORDING TO FINANCIAL ACCOUNTING STANDARDS (LI2)
737.773
Directly issued qualifying common share (and equivalent for non-joint 2.994.009
a b c d e Saham biasa (termasuk stock surplus)
stock companies) capital plus related stock surplus -
-
Nilai tercatat masing-masing risiko / Carrying amount of each risk
Laba ditahan Retained earnings (380.785)
Kewajiban / Liabilities “Kerangka
Kerangka “Kerangka Counterparty Kerangka Akumulasi penghasilan komprehensif lain (dan cadangan lain) Accumulated other comprehensive income (and other reserves) 107.627
Total / risiko kredit sekuritisasi” credit risk” risiko pasar
Total credit risk “Securitization “Counterparty market risk Directly issued capital subject to phase out from CET1 (only applicable
framework framework” credit risk framework Modal yang termasuk phase out dari CET1 -
framework” to non-joint stock companies)
Common share capital issued by subsidiaries and held by third parties
Nilai tercatat aset sesuai dengan cakupan konsolidasi ketentuan kehati-hatian (sebagaimana dilaporkan pada Kepentingan Non Pengendali yang dapat diperhitungkan -
(amount allowed in group CET1)
template LI1)
(21.975) (21.975) - - -
The carrying value of the asset is in accordance with the prudential consolidated scope (asreported in template CET1 sebelum regulatory adjustment Common Equity Tier 1 capital before regulatory adjustments 3.458.624
LI1)
Faktor Pengurang (Regulatory Adjustment) / Regulatory Adjustment
Nilai tercatat liabilitas sesuai lingkup sesuai dengan cakupan konsolidasi ketentuan kehati-hatian (sebagaimana
dilaporkan pada template LI1) Selisih kurang jumlah penyesuaian nilai wajar dari instrumen keuangan
- - - - - Prudential valuation adjustments -
The carrying value of the liabilities is in accordance with the prudential consolidated scope (asreported in dalam trading book
template LI1)
Goodwill Goodwill (net of related tax liability) -
Total nilai bersih sesuai dengan cakupan konsolidasi ketentuan kehati-hatian
- - - - - Other intangibles other than mortgage-servicing rights (net of related
The net worth is in accordance with the prudential consolidated scope Aset tidak berwujud lainnya (selain Mortgage-Servicing Rights) (5.481)
tax liability)
Nilai rekening administratif / Administrative account value - - - - - Deferred tax assets that rely on future profitability excluding those
Aset pajak tangguhan yang berasal dari future profitability (20.681)
arising from temporary differences (net of related tax liability)
Perbedaan valuasi / Difference in valuation - - - - -
Cash-flow hedge reserve Cash-flow hedge reserve -
Perbedaan antara netting rules, selain dari yang termasuk pada baris 2. Shortfall on provisions to expected losses Shortfall of provisions to expected losses -
- - - - -
The difference between netting rules, apart from those included in line 2.
Securitisation gain on sale (as set out in paragraph 562 of Basel II
Keuntungan penjualan aset dalam transaksi sekuritisasi -
Perbedaan provisi / Difference in province - - - - - framework)
Gains and losses due to changes in own credit risk on fair valued
Peningkatan/penurunan nilai wajar atas kewajiban keuangan (DVA) -
Perbedaan prudential filters / Difference in prudential filters - - - - - liabilities
Nilai eksposur yang dipertimbangkan, sesuai dengan cakupan konsolidasi ketentuan kehati-hatian Aset pensiun manfaat pasti Defined-benefit pension fund net assets -
- - - - -
The exposure value considered is in accordance with the consolidated scope of the prudential provisions
Investasi pada saham sendiri (jika belum di net dalam modal di Laporan Investments in own shares (if not already netted off paid-in capital on
-
Posisi Keuangan) reported balance sheet)
Kepemilikan silang pada instrumen CET 1 pada entitas lain Reciprocal cross-holdings in common equity -
PENJELASAN MENGENAI PERBEDAAN ANTARA NILAI EKSPOSUR Investasi pada modal bank, entitas keuangan dan asuransi diluar cakupan
Investments in the capital of Banking, financial and insurance entities
SESUAI STANDAR AKUNTANSI KEUANGAN DENGAN KETENTUAN konsolidasi secara ketentuan, net posisi short yang diperkenankan, di
mana Bank tidak memiliki lebih dari 10% modal saham yang diterbitkan
that are outside the scope of regulatory consolidation, net of eligible
short positions, where the Bank does not own more than 10% of the -
KEHATI-HATIAN (LIA)
issued share capital
(jumlah di atas batasan 10%)
(amount above 10% threshold)
EXPLANATION OF THE DIFFERENCE BETWEEN EXPOSURE VALUE ACCORDING TO FINANCIAL Investasi signifikan pada saham biasa Bank, entitas keuangan dan asuransi
Significant investments in the common stock of Banking, financial
and insurance entities that are outside the scope of regulatory
ACCOUNTING STANDARDS AND PRUDENTIAL REGULATIONS (LIA) diluar cakupan konsolidasi secara ketentuan, net posisi short yang
diperkenankan jumlah di atas batasan
consolidation, net of eligible short positions (amount above 10%
-
threshold)
Uraian / Description Uraian / Description Mortgage servicing rights Mortgage servicing rights (amount above 10% threshold) -
Aset pajak tangguhan yang berasal dari perbedaan temporer (jumlah di Deferred tax assets arising from temporary differences (amount
Bank harus menjelaskan asal perbedaan antara nilai tercatat sesuai standar akuntansi keuangan, -
atas batasan 10%, net dari kewajiban pajak) above 10% threshold, net of related tax liability)
sebagaimana dilaporkan pada laporan keuangan dan nilai eksposur sesuai ketentuan kehati-hatian,
sebagaimana terdapat pada template LI1 dan LI2. Jumlah melebihi batasan 15% dari: Amount exceeding the 15% threshold -
-
The Bank must explain the origin of the difference between the carrying value according to the
financial accounting standards as reported in the financial statements, and the exposure value Investasi signifikan pada saham biasa financials which: significant investments in the common stock of financials -
according to the prudential provisions, as contained in the templates LI1 and LI2.
Mortgage servicing rights of which: mortgage servicing rights -
(a) Bank harus menjelaskan sumber perbedaan signifikan antara nilai pada kolom (a) dan (b) di LI1. pajak tangguhan dari perbedaan temporer of which: deferred tax assets arising from temporary differences -
(a) The Bank must explain the source of the significant difference between the values in column -
(a) and (b) in LI1. Penyesuaian berdasarkan ketentuan spesifik nasional National specific regulatory adjustments -
a. Selisih PPKA dan CKPN a. Difference between PPKA and CKPN -
(b) Bank harus menjelaskan sumber perbedaan antara nilai tercatat dan nilai yang digunakan untuk
tujuan pengaturan yang tercantum pada LI2. b. PPKA non produktif c. Non-productive PPKA (74.920)
-
(b) The Bank must explain the source of the difference between the carrying value and the value
used for regulatory purposes as stated in LI2. d. Aset Pajak Tangguhan e. Deferred tax assets -
f. Penyertaan g. Participation -
(c) Sesuai dengan implementasi dari panduan pada valuasi prudensial, bank harus menjelaskan
sistem dan kontrol untuk memastikan estimasi valuasi prudensial dan dapat diandalkan. h. Kekurangan modal pada perusahaan anak asuransi i. Lack of capital in insurance subsidiary companies -
Pengungkapan harus memasukkan:
- j. Eksposur sekuritisasi k. Securitization Exposure -
(c) In accordance with the implementation of the guidelines on prudential valuation, the Bank
must define the system and control to ensure that prudential valuation estimates are reliable. The
disclosure must include: l. Lainnya m. Others -
Penyesuaian pada CET 1 akibat AT 1 dan Tier 2 lebih kecil daripada faktor Regulatory adjustments applied to Common Equity Tier 1 due to
(i) Metodologi valuasi, termasuk penjelasan sejauh mana penggunaan metodologi mark-to-market -
pengurangnya insufficient Additional Tier 1 and Tier 2 to cover deductions
dan mark-to-model.
-
(i) Valuation methodology, including an explanation of the extent to which the use of mark-to- Jumlah pengurang (regulatory adjustment) terhadap CFT 1 Total regulatory adjustments to Common equity Tier 1 (101.082)
market and mark-to-model methodology.
Jumlah CET 1 setelah faktor pengurang Common Equity Tier 1 capital (CET1) 3.357.542
(ii) Deskripsi proses verifikasi harga independen. / (ii) Description of the price verification process -
Modal Inti Tambahan (AT 1): Instrumen / Additional Tier 1 capital: instruments
*)
Tidak ada perbedaan signifikan bagi Bank Instrumen AT 1 yang diterbitkan oleh Bank (termasuk stock surplus) Directly issued qualifying Additional Tier 1 instruments plus related -
*)
There is no significant difference for the Bank stock surplus
PT BANK OF INDIA INDONESIA Tbk PT BANK OF INDIA INDONESIA Tbk
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Komponen Component
Jumlah (Dalam Jutaan Rupiah) /
Total (in million Rupiah) PERMODALAN - KOMPOSISI PERMODALAN (CC1)
Yang diklasifikasikan sebagai ekuitas berdasarkan standar akuntansi of which: classified as equity under applicable accounting standards
CAPITAL - COMPOSITION OF CAPITAL (CC1)
-
Yang diklasifikasikan sebagai liabilitas berdasarkan standar akuntansi of which: classified as liabilities under applicable accounting standards Jumlah (Dalam Jutaan Rupiah) /
- Komponen Component
Total (in million Rupiah)
Modal yang termasuk phase out dari AT 1 Directly issued capital instruments subject to phase out from Penyesuaian berdasarkan ketentuan spesifik nasional National specific regulatory adjustments
-
Additional Tier 1
Instrumen AT 1 yang diterbitkan oleh Entitas Anak yang diakui dalam Additional Tier 1 instruments (and CET1 instruments not included in a. Sinking fund a. Sinking fund -
perhitungan KPMM secara konsolidasi row 5) issued by subsidiaries and held by third parties (amount allowed -
in group AT1) b. Penempatan dana pada instrumen Tier 2 pada Bank lain c. Placement of funds in Tier 2 instruments with other banks -
Instrumen yang diterbitkan Entitas Anak yang termasuk phase out of which: instruments issued by subsidiaries subject to phase out -
Jumlah faktor pengurang (regulatory adjustment) Modal Pelengkap Total regulatory adjustments to Tier 2 capital -
Jumlah AT 1 sebelum regulatory adjustment Additional Tier 1 capital before regulatory adjustments - Modal Pelengkap (Tier 2): Faktor Pengurang (Regulatory Adjustment) / Tier 2 capital: regulatory adjustments
Modal Inti Tambahan (AT 1): Instrumen / Additional Tier 1 capital: instruments Jumlah Modal Pelengkap (Tier 2) setelah regulatory adjustment Tier 2 capital (T2) 87,91%
31.897
Investasi pada instrumen AT 1 sendiri Investments in own Additional Tier 1 instruments -
Total Modal (Modal Inti + Modal Pelengkap) Total capital 3.389.439
Kepemilikan silang pada instrumen AT 1 pada entitas lain Reciprocal cross-holdings in Additional Tier 1 instruments -
Total Aset Tertimbang Menurut Risiko (ATMR) Total risk weighted assets 3.826.602
Investasi pada modal bank, entitas keuangan dan asuransi diluar cakupan Investments in the capital of Banking, financial and insurance entities
konsolidasi secara ketentuan, net posisi short yang diperkenankan, di mana that are outside the scope of regulatory consolidation, net of eligible Rasio Kecukupan Pemenuhan Modal Minimum (KPMM) dan Tambahan Modal (Capital Buffer) / Capital ratios and buffers
Bank tidak memiliki lebih dari 10% modal saham yang diterbitkan (jumlah short positions, where the Bank does not own more than 10% of -
di atas batasan 10%) the issued common share capital of the entity (amount above 10% Rasio Modal Inti Utama CET 1 (persentase terhadap ATMR) Common Equity Tier 1 (as a percentage of risk weighted assets) 87,74%
threshold) 88,58%
Rasio Modal Inti Tier 1 (persentase terhadap ATMR) Tier 1 (as a percentage of risk weighted assets) 87,74%
Investasi signifikan pada modal Bank, entitas keuangan dan asuransi di luar Significant investments in the capital of Banking, financial and insurance
cakupan konsolidasi secara ketentuan (net posisi short yang diperkenankan) entities that are outside the scope of regulatory consolidation (net of -
Rasio Total Modal (persentase terhadap ATMR) Total capital (as a percentage of risk weighted assets) 88,58%
eligible short positions)
Penyesuaian berdasarkan ketentuan spesifik nasional National specific regulatory adjustments Institution specific buffer requirement (minimum CET1 requirement
-
plus capital conservation buffer plus countercyclical buffer
Buffer (persentase terhadap ATMR) 78,58%
requirements plus G-SIB buffer requirement, expressed as a
a. Penempatan dana pada instrumen AT 1 pada Bank lain a. Placement of funds on AT 1 instruments with other Banks. - percentage of risk weighted assets)
Penyesuaian pada AT 1 akibat Tier 2 lebih kecil daripada faktor pengurangnya The adjustment to AT 1 due to Tier 2 is smaller than its offsetting factor - Capital Conservation Buffer of which: capital conservation buffer requirement 0%
Jumlah faktor pengurang (regulatory adjustment) terhadap AT 1 dari pada The amount of regulatory adjustment to AT 1 compared to its reducing Countercyclical Buffer of which: Bank specific countercyclical buffer requirement 0%
-
faktor pengurangnya factors
Jumlah AT 1 setelah faktor pengurang Additional Tier 1 capital (AT1) Higher loss absorbency requirement Of which: higher loss absorbency requirement 0%
-
Untuk bank umum konvensional: CET 1 yang tersedia untuk memenuhi
Jumlah Modal Inti (Tier 1) (CET 1 + AT 1) Total Core Capital (Tier 1) (CET 1 + AT 1) 3.357.542 For conventional commercial banks: CET 1 available to fulfill the
Buffer (persentase terhadap ATMR) Untuk bank umum konvensional: CET
Buffer (percentage to RWA) For conventional commercial banks: CET
1 yang tersedia untuk memenuhi Buffer (persentase terhadap ATMR) Untuk
Modal Pelengkap (Tier 2): Instrumen dan cadangan / Tier 2 capital: instruments and provisions 1 available to fulfill the Buffer (percentage to RWA) For branch offices -
kantor cabang dari Bank yang berkedudukan di luar negeri: Bagian Dana
of Banks domiciled abroad: Share of Business Funds placed in CEMA
Usaha yang ditempatkan dalam CEMA (diungkapkan sebagai persentase
Instrumen Tier 2 yang diterbitkan oleh Bank (termasuk stock surplus) Directly issued qualifying Tier 2 instruments plus related stock surplus - (expressed as a percentage of RWA) available to satisfy the Buffer.
dari ATMR) yang tersedia untuk memenuhi Buffer.
Modal yang termasuk phase out dari Tier 2 Directly issued capital instruments subject to phase out from Tier 2 - National minima (jika berbeda dari Basel 3) / National minima (if different from Basel 3)
Rasio terendah CET 1 nasional (jika berbeda dengan Basel 3) National Common Equity Tier 1 minimum ratio -
Instrumen Tier 2 yang diterbitkan oleh Entitas Anak yang diakui dalam Tier 2 instruments (and CET1 and AT1 instruments not included in -
perhitungan KPMM secara konsolidasi rows 5 or 34) issued by subsidiaries and held by third parties (amount
allowed in group Tier 2) Rasio terendah Tier 1 nasional (jika berbeda dengan Basel 3) National Tier 1 minimum ratio -
Modal yang diterbitkan Entitas Anak yang termasuk phase out of which: instruments issued by subsidiaries subject to phase out - Rasio terendah total modal nasional (jika berbeda dengan Basel 3) National total capital minimum ratio -
Cadangan umum PPKA atas aset produktif yang wajib dihitung dengan Provisions Jumlah di bawah batasan pengurangan (sebelum pembobotan risiko) / Amounts below the thresholds for deduction (before risk weighting)
31.897
jumlah paling tinggi sebesar 1,25% dari ATMR untuk Risiko Kredit
Investasi non-signifikan pada modal atau kewajiban TLAC lainnya pada Non-significant investments in the capital and other TLAC liabilities of
-
Jumlah Modal Pelengkap (Tier 2) sebelum faktor pengurang Tier 2 capital before regulatory adjustments 31.897 entitas keuangan lain other financial entities
Modal Pelengkap (Tier 2): Faktor Pengurang (Regulatory Adjustment) / Tier 2 capital: regulatory adjustments Investasi signifikan pada saham biasa entitas keuangan Significant investments in the common stock of financial entities -
Investasi pada instrumen Tier 2 sendiri Investments in own Tier 2 instruments - Mortgage servicing rights (net dari kewajiban pajak) Mortgage servicing rights (net of related tax liability) -
Kepemilikan silang pada instrumen Tier 2 pada entitas lain Reciprocal cross-holdings in Tier 2 instruments and other TLAC Aset pajak tangguhan yang berasal dari perbedaan temporer (net dari Deferred tax assets arising from temporary differences (net of related
- -
liabilities kewajiban pajak) tax liability)
Investasi pada kewajiban TLAC modal bank, entitas keuangan dan asuransi Investments in the other TLAC liabilities of banking, financial Cap yang dikenakan untuk provisi pada Tier 2 / Applicable caps on the inclusion of provisions in Tier 2
diluar cakupan konsolidasi secara ketentuan, net posisi short yang and insurance entities that are outside the scope of regulatory
diperkenankan, di mana Bank tidak memiliki lebih dari 10% modal saham consolidation and where the bank does not own more than 10% of Provisi yang dapat diakui sebagai Tier 2 sesuai dengan eksposur berdasarkan Provisions eligible for inclusion in Tier 2 in respect of exposures subject
- -
yang diterbitkan; nilai sebelumnya ditetapkan dengan threshold 5% namun the issued common share capital of the entity: amount previously pendekatan standar (sebelum dikenakan cap) to standardised approach (prior to application of cap)
tidak lagi memenuhi kriteria (untuk bank Sistemik) designated for the 5% threshold but that no longer meets the
conditions (for G-SIBs only) Cap atas provisi yang diakui sebagai Tier 2 berdasarkan pendekatan standar Cap on inclusion of provisions in Tier 2 under standardised approach -
Investasi pada kewajiban TLAC lainnya dari entitas perbankan, Investments in other TLAC liabilities of banking, financial and insurance Provisi yang dapat diakui sebagai Tier 2 sesuai dengan eksposur berdasarkan Provisions eligible for inclusion in Tier 2 in respect of exposures subject
-
keuangan, dan asuransi yang berada di luar lingkup konsolidasi entities that fall outside the scope of regulatory consolidation and, for pendekatan IRB (sebelum dikenakan cap) to internal ratings-based approach (prior to application of cap)
peraturan dan, yang mana bank tidak memiliki lebih dari 10% dari which the bank does not own more than 10% of the issued entity’s
- Cap for inclusion of provisions in Tier 2 under internal ratings-based
saham biasa entitas yang dikeluarkan: jumlah yang sebelumnya common stock: amounts previously designated to the 5% limit but Cap atas provisi yang diakui sebagai Tier 2 berdasarkan pendekatan IRB -
ditunjuk untuk batas 5% tetapi yang tidak lagi memenuhi syarat which are no longer eligible (only for G-SIBs Systemic Banks) approach
(hanya untuk Bank Sistemik G-SIBs)
Instrumen Modal yang termasuk phase out (hanya berlaku antara 1 Jan 2018 s.d. 1 Jan 2024) /
Investasi signifikan pada modal atau instrumen TLAC Bank, entitas Significant investments in the capital and other TLAC liabilities of Capital instruments subject to phase-out arrangements (only applicable between 1 Jan 2018 and 1 Jan 2024)
keuangan dan asuransi di luar cakupan konsolidasi secara ketentuan (net banking, financial and insurance entities that are outside the scope of -
posisi short yang diperkenankan) regulatory consolidation (net of eligible short positions) Cap pada CET 1 yang temasuk phase out Current cap on CET1 instruments subject to phase out arrangements -
Jumlah yang dikecualikan dari CET 1 karena adanya cap (kelebihan di atas Amount excluded from CET1 due to cap (excess over cap after -
cap setelah redemptions dan maturities) redemptions and maturities)
PT BANK OF INDIA INDONESIA Tbk PT BANK OF INDIA INDONESIA Tbk
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Komponen Component
Jumlah (Dalam Jutaan Rupiah) /
Total (in million Rupiah) REKONSILIASI PERMODALAN (CC2)
-
CAPITAL RECONCILIATION (CC2)
Cap pada AT 1 yang temasuk phase out Current cap on AT1 instruments subject to phase out arrangements
Jumlah yang dikecualikan dari AT 1 karena adanya cap (kelebihan di atas cap Amount excluded from AT1 due to cap (excess over cap after - Neraca Konsolidasi dengan cakupan konsolidasi
setelah redemptions dan maturities) redemptions and maturities) Neraca Publikasi berdasarkan ketentuan kehati-hatian
Pos - Pos / Posts
Publication Balance Consolidated Balance Sheet with consolidated
Cap pada Tier 2 yang temasuk phase out Current cap on T2 instruments subject to phase out arrangements - scope based on prudential provisions
31 Desember 2024 31 Desember 2024
Jumlah yang dikecualikan dari Tier 2 karena adanya cap (kelebihan di atas Amount excluded from T2 due to cap (excess over cap after - Liabilitas dan Ekuitas / Liabilitas dan Ekuitas
December 31, 2024 December 31, 2024
cap setelah redemptions dan maturities) redemptions and maturities)
Giro / Current account 481.456 481.456
REKONSILIASI PERMODALAN (CC2) Tabungan / Saving account 96.460 96.460
CAPITAL RECONCILIATION (CC2) Deposito / Time Deposit 2.524.789 2.524.789
Neraca Konsolidasi dengan cakupan konsolidasi Uang elektronik / Electronic money - -
Neraca Publikasi berdasarkan ketentuan kehati-hatian
Pos - Pos / Posts
Publication Balance Consolidated Balance Sheet with consolidated Liabilitas kepada Bank Indonesia / Liabilities to Bank Indonesia - -
scope based on prudential provisions
31 Desember 2024 31 Desember 2024 Liabilitas kepada bank lain / Liabilities to other banks 209.297 209.297
Aset / Asset
December 31, 2024 December 31, 2024
Kas / Cash 14.061 14.061 Liabilitas spot dan derivatif /forward / Spot and derivative/ forward liabilities 2.204 2.204
Liabilitas atas surat berharga dijual dengan janji dibeli kembali (repo)
Penempatan pada Bank Indonesia / Placement with Bank Indonesia 254.321 254.321 - -
Liabilities on securities sold under repurchase agreement (repo)
Penempatan pada bank lain / Placement with other banks 7.270 7.270 Liabilitas akseptasi / Acceptance liabilities - -
Tagihan spot dan derivatif/ forward / Spot and derivatives / forward receivables 1.350 1.350 Surat berharga yang diterbitkan / Securities issued - -
Surat berharga yang dimiliki / Held-to-maturity marketable securities 1.962.741 1.962.741 Pinjaman/pembiayaan yang diterima / Loans/financing received - -
Surat berharga yang dijual dengan janji dibeli kembali (repo)
- - Setoran jaminan / Security deposit 744 744
Securities sold under repurchase agreement (repo)
Tagihan atas surat berharga yang dibeli dengan janji dijual kembali (reverse repo) Liabilitas antar kantor 2) / Interoffice liabilities 2) - -
266.444 266.444
Receivables on securities purchased under agreement to resell (reverse repo)
Liabilitas lainnya / Other liabilities 42.843 42.843
Tagihan akseptasi / Acceptance of receivables - -
Total liabilitas / Total liabilities 3.357.794 3.357.794
Kredit yang diberikan / Loan disbursed 4.140.311 4.140.311
EKUITAS / EQUITY
Pembiayaan syariah 1) / Sharia financing 1) - -
Modal disetor / Paid in Capital - -
Penyertaan modal / Equity capital - -
a. Modal dasar / Authorized capital 2.200.000 2.200.000
Aset keuangan lainnya / Other financial assets 21.565 21.565
Cadangan kerugian penurunan nilai aset keuangan -/- / b. Modal yang belum disetor -/-/ Unpaid capital -/- 1.462.227 1.462.227
- -
Allowance for impairment losses on financial assets -/-
c. Saham yang dibeli kembali (treasury stock) -/-/ Treasury stock -/- - -
a. Surat berharga yang dimiliki / Held-to-maturity marketable securities - -
Tambahan modal disetor / Additional paid in capital - -
b. Kredit yang diberikan dan pembiayaan syariah / Loan disbursed and sharia financing 119.077 119.077
a. Agio / Agio 2.895.254 2.895.254
c. Lainnya / Others - -
b. Disagio / Disagio - -
Aset tidak berwujud / Intangible assets 27.683 27.683
c. Dana setoran modal / Funds of capital payment - -
Akumulasi amortisasi aset tidak berwujud -/- / Accumulated amortization of intangible assets -/- 22.202 22.202
d. Lainnya / Others - -
Aset tetap dan inventaris / Fixed assets and inventory 157.658 157.658
Penghasilan komprehensif lain / Other comprehensive income -
Akumulasi penyusutan aset tetap dan inventaris -/- /
31.793 31.793
Accumulated depreciation on fixed assets and inventory -/-
a. Keuntungan / Profit 107.627 107.627
Aset non produktif / Non-productive assets - -
b. Kerugian / Loss 1.260 1.260
a. Properti terbengkalai / Abandoned property - -
Cadangan / Reserves -
b. Agunan yang diambil alih / Foreclosed assets 96.235 96.235
a. Cadangan umum / General reserves 20.000 20.000
c. Rekening tunda / Pending account - -
b. Cadangan tujuan / Purpose reserves - -
d. Aset antar kantor 2) / Interoffice assets 2) - -
Laba (Rugi) / Profit (Loss) -
Aset lainnya / Other assets 38.590 38.590
a. Tahun-tahun lalu / Previous years (380.785) (380.785)
Total aset / Total assets 6.815.157 6.815.157
b. Tahun berjalan 3) / Current year 3) 78.755 78.755
c. Dividen dibayarkan -/-/ Dividend paid - -
TOTAL EKUITAS / TOTAL EQUITY 3.457.364 3.457.364
TOTAL LIABILITAS DAN EKUITAS / TOTAL LIABILITIES AND EQUITY 6.815.157 6.815.157
PT BANK OF INDIA INDONESIA Tbk PT BANK OF INDIA INDONESIA Tbk
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FITUR UTAMA PERMODALAN BANK (CCA) Uraian / Description
a
“Informasi Kuantitatif/Kualitatif” / “Quantitative/Qualitative Information”
KEY FEATURES OF BANK CAPITAL (CCA)
Jika terjadi write down temporer, jelaskan mekanisme write-up / N/A
a If a temporary write down occurs, explain the write-up mechanism
Uraian / Description
“Informasi Kuantitatif/Kualitatif” / “Quantitative/Qualitative Information” Tipe subordinasi / Subordination type N/A
Penerbit / Issuer N/A Hierarki instrumen pada saat likuidasi / Hierarchy of instruments at the time of liquidation N/A
Nomor identifikasi / Identification number N/A Apakah terdapat fitur yang non-compliant / Are there any non-compliant features N/A
Hukum yang digunakan / Law implemented N/A Jika ya, jelaskan fitur yang non-compliant / If yes, describe the non-compliant features N/A
Sarana yang memungkinkan kewajiban pelaksanaan pada
Bagian 13 dari Lembar Istilah TLAC tercapai (untuk instrumen TLAC sah lainnya yang diatur oleh hukum asing)
PENGUNGKAPAN TAGIHAN BERSIH BERDASARKAN WILAYAH -
N/A
Means by which the mandatory performance of Section 13 of the TLAC Glossary is achieved (for other valid TLAC
instruments governed by foreign law)
Perlakuan Instrumen berdasarkan ketentuan KPMM /
Instrument treatment is based on the provisions of KPMM
N/A BANK SECARA INDIVIDUAL
Pada saat masa transisi / During transition
NET BILL DISCLOSURE ACCORDING TO REGION - UNCONSOLIDATED
N/A
setelah masa transisi / Post transition N/A
31 Desember 2024 / December 31, 2024 31 Desember 2023 / December 31, 2023
Apakah instrumen eligible untuk Individu/Konsolidasi atau Konsolidasi dan Individu
N/A
Eligible instrument for Individual/Consolidated or Consolidated and Individual
Tagihan Bersih Berdasarkan Wilayah Tagihan Bersih Berdasarkan Wilayah
Jenis Instrumen / Type of instrument Kategori Portofolio / Portfolio Category Net Receivables By Region Net Receivables By Region
N/A
Jumlah yang diakui dalam perhitungan KPMM / The amount recognized in the KPMM calculation\ N/A Wilayah 1 Wilayah 2 Wilayah 3 dst. / Total Wilayah 1 Wilayah 2 Wilayah 3 dst. / Total
Zone 1 Zone 2 Zone 3 Outside Total Zone 1 Zone 2 Zone 3 Outside Total
Nilai par dari instrumen / Par value of the instrument N/A
Tagihan Kepada Pemerintah
Klasifikasi sesuai standar akuntansi keuangan / Classification according to financial accounting standards - -
N/A Receivables from Government
Tanggal penerbitan / Issuing date N/A
Tagihan Kepada Entitas Sektor Publik Receivables
- -
from Public Sector Entities
Tidak ada jatuh tempo (perpetual) atau dengan jatuh tempo / There is no perpetual or maturity date N/A
Tanggal jatuh tempo / Maturity date Tagihan Kepada Bank Pembangunan Multilateral
N/A
dan Lembaga Internasional Receivables from
- -
Multilateral Development Banks and International
Eksekusi call option atas persetujuan Otoritas Jasa Keuangan
N/A Institutions
Call option execution with the approval of the Financial Services Authority
Tanggal call option, jumlah penarikan dan persyaratan call option lainnya (bila ada)
N/A Tagihan Kepada Bank
Call option date, amount of withdrawal and call option requirements other (if any) - -
Receivables from Banks
Subsequent call option / Subsequent call option N/A
Kredit Beragun Rumah Tinggal
Kupon / dividen / Coupons/dividends 23.669 - 2.160 25.829 21.039 - 2.254 23.294
N/A Residential Property Backed Loans
Dividen/ kupon dengan bunga tetap atau floating / Dividends/coupons with fixed or floating interest N/A Kredit Beragun Properti Komersial Commercial
6.725 - - 6.725 10.778 - - 10.778
Property Backed Loans
Tingkat dari coupon rate atau index lain yang menjadi acuan /
N/A
The rate of the coupon rate or other index as the reference
Kredit Pegawai/Pensiunan
Ada atau tidaknya dividend stopper / If there is a dividend stopper or not - -
N/A Employee/Retirement Loans
Fully discretionary; partial atau mandatory / Fully discretionary; partial or mandatory N/A Tagihan Kepada Usaha Mikro, Usaha Kecil dan
Portofolio Ritel
Apakah terdapat fitur step up atau insentif lain / If there is a step up feature or other incentives 111.672 7.496 10.981 130.149 87.554 1.629 - 89.182
N/A Receivables from Microbusiness, Small
Business,and Retail Portfolio
Non-kumulatif atau kumulatif / Non-cumulative or cumulative N/A
Tagihan kepada Korporasi
Dapat dikonversi atau tidak dapat dikonversi / Converted or non-converted N/A 3.658.468 43.948 25.791 3.728.206 3.297.684 43.649 18.271 3.359.604
Receivables from Corporations
Jika dapat dikonversi, sebutkan trigger point-nya / If converted, mention the trigger point N/A
Tagihan yang Telah Jatuh Tempo
249.401 - - 249.401 233.296 - - 233.296
Due Receivables
Jika dapat dikonversi, apakah seluruh atau sebagian / If converted, is it whole or partial N/A
Jika dapat dikonversi, bagaimana rate konversinya / If converted, how is the conversion rate N/A Aset Lainnya / Other assets - -
Jika dapat dikonversi; apakah mandatory atau optional / If it can be converted; is it mandatory or optional N/A
TOTAL 4.049.936 51.444 38.931 - 4.140.311 3.650.351 45.278 20.525 - 3.716.154
Jika dapat dikonversi, sebutkan jenis instrumen konversinya / If it can be converted; state the type of conversion
N/A
instrument
Jika dapat dikonversi, sebutkan issuer of instrument it converts into
N/A
If it can be converted, state the issuer of instrument it coverts to
Fitur write-down / Write-down feature N/A
Jika terjadi write-down, sebutkan trigger-nya / If a write-down occurs, state the trigger N/A
Jika terjadi write-down, apakah penuh atau sebagian / If a write-down occurs, is it full or partial N/A
Jika terjadi write down; permanen atau temporer / If a write-down occurs, permanent or temporary N/A
PT BANK OF INDIA INDONESIA Tbk PT BANK OF INDIA INDONESIA Tbk
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Lampiran
Annexures
PENGUNGKAPAN TAGIHAN BERSIH BERDASARKAN SISA JANGKA PENGUNGKAPAN TAGIHAN BERSIH BERDASARKAN SEKTOR
WAKTU KONTRAK - BANK SECARA INDIVIDUAL EKONOMI - BANK SECARA INDIVIDUAL
NET BILL DISCLOSURE ACCORDING TO REMAINING TERM OF CONTRACT - UNCONSOLIDATED DISCLOSURE OF NET RECEIVABLES BY ECONOMIC SECTOR - UNCONSOLIDATED
Business, and Retail Portfolio
Tagihan Kepada Pemerintah
Kredit Pegawai/Pensiunan/
Aset Lainnya / Other Assets
dan Lembaga Internasional
Sektor Publik / Receivables
Pembangunan Multilateral
/ Receivables from Govern-
from Public Sector Entities
Tagihan kepada Korporasi
Multilateral Development
Tempo / Due Receivables
Tagihan yang Telah Jatuh
Komersial / Commercial
Kredit Beragun Properti
Banks and International
Tagihan Kepada Entitas
Receivables from Banks
Employee / Retirement
Tagihan Kepada Bank /
31 Desember 2024 / December 31, 2024 31 Desember 2023 / December 31, 2023
Kredit Beragun Rumah
Tagihan Kepada Usaha
“Tagihan Kepada Bank
Property Backed Loans
Property Backed Loans
Tinggal / Residential
Microbusiness, Small
dan Portofolio Ritel
Mikro, Usaha Kecil
/ Receivables from
/ Receivables from
/ Receivables from
Corporations
Institutions”
Loans
ment
Sektor Ekonomi / Economic Sector
Tagihan Bersih Berdasarkan Jangka Waktu / Tagihan Bersih Berdasarkan Jangka Waktu /
Net Receivables by Remaining Period Net Receivables by Remaining Period
Kategori Portofolio / Portfolio
Category
> 1 thn s.d. 3 thn /
> 3 thn s.d. 5 thn /
> 1 thn s.d. 3 thn /
> 3 thn s.d. 5 thn /
Non Kontraktual /
Non Kontraktual /
> 1 year to 3 years
> 1 year to 3 years
> 5 thn / > 5 years
> 5 thn / > 5 years
Non-Contractual
Non-Contractual
> 3 to 5 years
> 3 to 5 years
Desember 2024 / December 2024
< 1 Tahun /
< 1 Tahun /
< 1 Year
< 1 Year
Total /
Total /
Total
Total
Pertanian, Kehutanan, dan Perikanan
- - - - - - - - 415 - -
Agriculture, Forestry and Fisheries
Pertambangan dan Penggalian
- - - - - - - 144 246.454 - -
Mining and excavation
Tagihan Kepada Pemerintah Industri pengolahan
- - - - - - - - - - - - - - - - - - - 24.124 701.462 137.799 -
Receivables from Government Processing industry
Pengadaan Listrik, Gas, Uap/Air
Tagihan Kepada Entitas Sektor Publik
- - - - - - - - - - - - Panas dan Udara Dingin
Receivables from Public Sector Entities - - - - - - - - - - -
Procurement of electricity, gas,
steam / hot water and cold air
Tagihan Kepada Bank Pembangunan
Pengelolaan Air, Pengelolaan Air
Multilateral dan Lembaga Internasional
Limbah, Pengelolaan dan Daur Ulang
Receivables from Multilateral - - - - - - - - - - - -
Sampah
Development Banks and International - - - - - - - - - - -
Water Management, Wastewater
Institutions
Management, Waste Management
and Recycling
Tagihan Kepada Bank
- - - - - - - - - - - - Konstruksi
Receivables from Banks - - - - - - - 7.166 80.856 - -
Construction
Kredit Beragun Rumah Tinggal Perdagangan besar dan eceran;
220 7.596 4.353 13.661 25.829 565 1.871 12.055 8.803 23.294 Reparasi dan Perawatan Mobil dan
Residential Property Backed Loans
Sepeda Motor - - - - - - - 74.766 930.613 110.304 -
Wholesale and retail trade; Car and
Kredit Beragun Properti Komersial Motorcycle Repair and Maintenance
6.725 - - - 6.725 - 10.778 - - 10.778
Commercial Property Backed Loans Pengangkutan dan Pergudangan
- - - - - - - 502 33.199 - -
Transportation and Warehousing
Kredit Pegawai/Pensiunan Penyediaan Akomodasi dan
- - - - Penyediaan Makan Minum
Employee/Retirement Loans - - - - - - - 6.509 296.003 - -
Provision of Accommodation and
Provision of Food and Drink
Tagihan Kepada Usaha Mikro, Usaha
Kecil dan Portofolio Ritel Informasi dan Komunikasi
115.722 5.607 5.151 3.669 130.149 80.530 3.128 5.269 255 89.182 - - - - - - - - 107.741 - -
Receivables from Microbusiness, Small Information and Communication
Business,and Retail Portfolio
Aktivitas Keuangan dan Asuransi
- - - - - - - 11.552 1.096.806 - -
Financial and Insurance Activities
Tagihan kepada Korporasi
2.562.663 536.655 362.652 266.236 3.728.206 2.056.365 108.268 954.292 240.679 3.359.604 Real Estat
Receivables from Corporations - - - - - 6.725 - 634 14.186 - -
Real Estate
Aktivitas Profesi, Ilmiah, dan Teknis
Tagihan yang Telah Jatuh Tempo Professional, Scientific, and - - - - - - - 2.546 4.462 - -
52.019 22.787 1.299 173.298 249.401 35.413 22.102 - 175.780 233.296
Due Receivables Technical Activities
Aktivitas Penyewaan dan Sewa
Guna Usaha Tanpa Hak Opsi,
Aset Lainnya / Other assets - - - - - - - - - - - - Ketenagakerjaan, Agen Perjalanan,
dan Penunjang Usaha Lainnya
- - - - - - - 847 65.801 - -
Leasing and Leasing Activities
TOTAL 2.737.348 572.645 373.455 456.863 - 4.140.311 2.172.873 146.147 971.616 425.517 - 3.716.154 without Option Rights, Employment,
Travel Agencies, and Other Business
Supports
PT BANK OF INDIA INDONESIA Tbk PT BANK OF INDIA INDONESIA Tbk
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Lampiran
Annexures
PENGUNGKAPAN TAGIHAN BERSIH BERDASARKAN SEKTOR PENGUNGKAPAN TAGIHAN BERSIH BERDASARKAN SEKTOR
EKONOMI - BANK SECARA INDIVIDUAL EKONOMI - BANK SECARA INDIVIDUAL
DISCLOSURE OF NET RECEIVABLES BY ECONOMIC SECTOR - UNCONSOLIDATED DISCLOSURE OF NET RECEIVABLES BY ECONOMIC SECTOR - UNCONSOLIDATED
Business, and Retail Portfolio
Business, and Retail Portfolio
Tagihan Kepada Pemerintah
Tagihan Kepada Pemerintah
Kredit Pegawai/Pensiunan/
Kredit Pegawai/Pensiunan/
Aset Lainnya / Other Assets
Aset Lainnya / Other Assets
dan Lembaga Internasional
dan Lembaga Internasional
Sektor Publik / Receivables
Sektor Publik / Receivables
Pembangunan Multilateral
Pembangunan Multilateral
/ Receivables from Govern-
/ Receivables from Govern-
from Public Sector Entities
from Public Sector Entities
Tagihan kepada Korporasi
Tagihan kepada Korporasi
Multilateral Development
Multilateral Development
Tempo / Due Receivables
Tempo / Due Receivables
Tagihan yang Telah Jatuh
Tagihan yang Telah Jatuh
Komersial / Commercial
Komersial / Commercial
Kredit Beragun Properti
Kredit Beragun Properti
Banks and International
Banks and International
Tagihan Kepada Entitas
Tagihan Kepada Entitas
Receivables from Banks
Receivables from Banks
Employee / Retirement
Employee / Retirement
Tagihan Kepada Bank /
Tagihan Kepada Bank /
Kredit Beragun Rumah
Kredit Beragun Rumah
Tagihan Kepada Usaha
Tagihan Kepada Usaha
“Tagihan Kepada Bank
“Tagihan Kepada Bank
Property Backed Loans
Property Backed Loans
Property Backed Loans
Property Backed Loans
Tinggal / Residential
Tinggal / Residential
Microbusiness, Small
Microbusiness, Small
dan Portofolio Ritel
dan Portofolio Ritel
Mikro, Usaha Kecil
Mikro, Usaha Kecil
/ Receivables from
/ Receivables from
/ Receivables from
/ Receivables from
/ Receivables from
/ Receivables from
Corporations
Corporations
Institutions”
Institutions”
Loans
Loans
ment
ment
Sektor Ekonomi / Economic Sector Sektor Ekonomi / Economic Sector
Desember 2024 / December 2024 Desember 2023 / December 2023
Real Estat
- - - - - 10.778 - 850 16.927 - -
Administrasi Pemerintahan, Pertahanan, Real Estate
dan Jaminan Sosial Wajib
- - - - - - - - - - - Aktivitas Profesi, Ilmiah, dan Teknis
Mandatory Government Administration,
Defense and Social Security Professional, Scientific, and - - - - - - - 4.465 2.246 - -
Technical Activities
Pendidikan Aktivitas Penyewaan dan Sewa
- - - - - - - - - - - Guna Usaha Tanpa Hak Opsi,
Education
Ketenagakerjaan, Agen Perjalanan,
Aktivitas Kesehatan Manusia dan dan Penunjang Usaha Lainnya
- - - - - - - 236 2.420 - -
Aktivitas Sosial Leasing and Leasing Activities
- - - - - - - - 1.759 - -
Human Health Activities and Social without Option Rights, Employment,
Activities Travel Agencies, and Other Business
Supports
Kesenian, Hiburan, dan Rekreasi
- - - - - - - - 39.703 - -
Arts, Entertainment and Recreation
Administrasi Pemerintahan, Pertahanan,
Aktivitas Jasa Lainnya dan Jaminan Sosial Wajib
- - - - - - - 786 108.746 - - - - - - - - - - -
Other Service Activities Mandatory Government Administration,
Defense and Social Security
Aktivitas Rumah Tangga sebagai
Pemberi Kerja - - - - 25.829 - - 572 1.299
Household Activities as an Employer Pendidikan
- - - - - - - - 2.792 - -
Education
Aktivitas Badan Internasional dan
Badan Ekstra Internasional Lainnya Aktivitas Kesehatan Manusia dan
- - - - - - - - - - - Aktivitas Sosial
Activities of International Bodies and - - - - - - - - 6.395 - -
Other Extra-International Agencies Human Health Activities and Social
Activities
Bukan Lapangan Usaha Kesenian, Hiburan, dan Rekreasi
- - - - - - - - - - - - - - - - - - - 39.043 - -
Non-business Field Arts, Entertainment and Recreation
Lainnya Aktivitas Jasa Lainnya
- - - - - - - - - - - - - - - - - - 504 179.322 - -
Others Other Service Activities
TOTAL - - - - 25.829 6.725 - 130.149 3.728.206 249.401 - Aktivitas Rumah Tangga sebagai
Pemberi Kerja 23.294 - - 734 7.621 - -
31 Desember 2023 / December 31, 2023 Household Activities as an Employer
Pertanian, Kehutanan, dan Perikanan Aktivitas Badan Internasional dan
- - - - - - - 25 - - -
Agriculture, Forestry and Fisheries Badan Ekstra Internasional Lainnya
- - - -
Activities of International Bodies and
Pertambangan dan Penggalian Other Extra-International Agencies
- - - - - - - - 166.255 101.169 -
Mining and excavation
Bukan Lapangan Usaha
Industri pengolahan - - - -
- - - - - - - 18.897 450.141 131.974 - Non-business Field
Processing industry
Lainnya
Pengadaan Listrik, Gas, Uap/Air 21.990 - - 1.001 7.876 - -
Others
Panas dan Udara Dingin
- - - - - - - - - - -
Procurement of electricity, gas, TOTAL - - - - 45.283 10.778 - 90.184 3.367.479 233.296 -
steam / hot water and cold air
Pengelolaan Air, Pengelolaan Air
Limbah, Pengelolaan dan Daur Ulang
Sampah
- - - - - - - - - - -
Water Management, Wastewater
Management, Waste Management
and Recycling
Konstruksi
- - - - - - - 4.211 84.426 - -
Construction
Perdagangan besar dan eceran;
Reparasi dan Perawatan Mobil dan
Sepeda Motor - - - - - - - 38.115 1.067.336 152 -
Wholesale and retail trade; Car and
Motorcycle Repair and Maintenance
Pengangkutan dan Pergudangan
- - - - - - - 653 33.443 - -
Transportation and Warehousing
Penyediaan Akomodasi dan Penyediaan
Makan Minum
- - - - - - - 851 9.155 - -
Provision of Accommodation and
Provision of Food and Drink
Informasi dan Komunikasi
- - - - - - - - 103.886 - -
Information and Communication
Aktivitas Keuangan dan Asuransi
- - - - - - - 19.642 1.188.194 - -
Financial and Insurance Activities
PT BANK OF INDIA INDONESIA Tbk PT BANK OF INDIA INDONESIA Tbk
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Lampiran
Annexures
PENGUNGKAPAN TAGIHAN DAN PENCADANGAN BERDASARKAN PENGUNGKAPAN TAGIHAN DAN PENCADANGAN BERDASARKAN
WILAYAH - BANK SECARA INDIVIDUAL SEKTOR EKONOMI- BANK SECARA INDIVIDUAL
DISCLOSURE OF RECEIVABLES AND RESERVES BY REGION – UNCONSOLIDATED DISCLOSURE OF RECEIVABLES AND RESERVES BY ECONOMIC SECTOR - UNCONSOLIDATED
31 Desember 2024 / December 31, 2024 31 Desember 2023 / December 31, 2023 Tagihan yang mengalami Cadangan Cadangan Cadangan
penurunan Nilai kerugian kerugian kerugian
Tagihan Bersih Berdasarkan Wilayah Tagihan Bersih Berdasarkan Wilayah Impaired Receivable penurunan nilai penurunan nilai penurunan nilai Tagihan yang
Kategori Portofolio / Portfolio Category Net Receivables By Region Net Receivables By Region Tagihan (CKPN) - Stage 1 (CKPN) - Stage 2 (CKPN) - Stage 3 dihapus buku
Sektor Ekonomi / Economic Sector Receivable Individual Individual Individual Receivables
Wilayah 1 Wilayah 2 Wilayah 3 dst. / Total Wilayah 1 Wilayah 2 Wilayah 3 dst. / Total Belum Jatuh Telah Jatuh Impairment Impairment Impairment Written of
Zone 1 Zone 2 Zone 3 Outside Total Zone 1 Zone 2 Zone 3 Outside Total Tempo Tempo Losses Allowance Losses Allowance Losses Allowance
Not Due Not Due (ILA) - Stage 1 (ILA) - Stage 2 (ILA) - Stage 3
Tagihan
- - - - - - - - - -
Receivables Aktivitas Keuangan dan Asuransi
- - - 3.775 - - -
Financial and Insurance Activities
Tagihan yang mengalami peningkatan dan
pemburukan risiko kredit (Stage 2 dan Stage Real Estat
- - - - - - - - - - - - - 69 48 - -
Improvement and impairment receivables (Stage 2 Real Estate
and Stage 3)
Aktivitas Profesi, Ilmiah, dan Teknis
- - - 12 63 - -
a. Belum jatuh tempo / Not Due - - - - - - - - - - Professional, Scientific, and Technical Activities
Aktivitas Penyewaan dan Sewa Guna Usaha Tanpa
b. Telah jatuh tempo / Due - - - - - - - - - - Hak Opsi, Ketenagakerjaan, Agen Perjalanan, dan
CKPN - Stage 1 Penunjang Usaha Lainnya
- - - 8 - - -
Individual Impairment Losses Allowance (ILA) - 9.584 106 101 - 9.790 33.352 628 171 - 34.152 Leasing and Leasing Activities without Option Rights,
Stage 1 Employment, Travel Agencies, and Other Business
Supports
CKPN - Stage 2
Individual Impairment Losses Allowance (ILA) - 4.017 43 68 - 4.129 43.928 - - - 43.928 Administrasi Pemerintahan, Pertahanan, dan Jaminan
Stage2 Sosial Wajib
- - - -
Mandatory Government Administration, Defense and
CKPN - Stage 3 Social Security
Individual Impairment Losses Allowance (ILA) - 105.158 - - - 105.158 88.868 - - - 88.868
Stage 3 Pendidikan
- - - - - -
Education
Tagihan yang dihapus buku
137.815 - - - 137.815 93.525 - - - 93.525 Aktivitas Kesehatan Manusia dan Aktivitas Sosial
Receivables Written Of - - - - 46 - -
Human Health Activities and Social Activities
TOTAL 256.575 149 169 - 256.892 259.674 628 171 - 260.473 Kesenian, Hiburan, dan Rekreasi
- - - - - - -
Arts, Entertainment and Recreation
Aktivitas Jasa Lainnya
- - - 9 - - -
PENGUNGKAPAN TAGIHAN DAN PENCADANGAN BERDASARKAN Other Service Activities
Aktivitas Rumah Tangga sebagai Pemberi Kerja
SEKTOR EKONOMI- BANK SECARA INDIVIDUAL Household Activities as an Employer
Aktivitas Badan Internasional dan Badan Ekstra
- - - 5 134 353 -
DISCLOSURE OF RECEIVABLES AND RESERVES BY ECONOMIC SECTOR - UNCONSOLIDATED Internasional Lainnya
- - - -
Activities of International Bodies and Other Extra-
International Agencies
Tagihan yang mengalami Cadangan Cadangan Cadangan
penurunan Nilai kerugian kerugian kerugian Bukan Lapangan Usaha
Impaired Receivable penurunan nilai penurunan nilai penurunan nilai Tagihan yang - - - -
Non-business Field
Tagihan (CKPN) - Stage 1 (CKPN) - Stage 2 (CKPN) - Stage 3 dihapus buku
Sektor Ekonomi / Economic Sector Receivable Individual Individual Individual Receivables Lainnya
Belum Jatuh Telah Jatuh Impairment Impairment Impairment Written of - - - - - - -
Tempo Tempo Losses Allowance Losses Allowance Losses Allowance Others
Not Due Not Due (ILA) - Stage 1 (ILA) - Stage 2 (ILA) - Stage 3
Total - - - 9.790 4.129 105.158 -
31 Desember 2024 / 31 December 2024
Pertanian, Kehutanan, dan Perikanan
- - - 1 - - -
Agriculture, Forestry and Fisheries
Pertambangan dan Penggalian
- - - 812 - - -
Mining and excavation
Industri pengolahan
- - - 1.680 1.783 56.679 -
Processing industry
Pengadaan Listrik, Gas, Uap/Air Panas
dan Udara Dingin
- - - -
Procurement of electricity, gas, steam / hot water
and cold air
Pengelolaan Air, Pengelolaan Air Limbah, Pengelolaan
dan Daur Ulang Sampah
- - - -
Water Management, Wastewater Management,
Waste Management and Recycling
Konstruksi
- - - 160 24 - -
Construction
Perdagangan besar dan eceran; Reparasi dan
Perawatan Mobil dan Sepeda Motor
- - - 2.233 1.897 48.126 -
Wholesale and retail trade; Car and Motorcycle
Repair and Maintenance
Pengangkutan dan Pergudangan Transportation and
- - - 60 134 - -
Warehousing
Penyediaan Akomodasi dan Penyediaan Makan
Minum
- - - 617 - - -
Provision of Accommodation and Provision of Food
and Drink
Informasi dan Komunikasi
- - - 350 - - -
Information and Communication
PT BANK OF INDIA INDONESIA Tbk PT BANK OF INDIA INDONESIA Tbk
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Lampiran
Annexures
PENGUNGKAPAN TAGIHAN DAN PENCADANGAN BERDASARKAN PENGUNGKAPAN RINCIAN MUTASI CADANGAN KERUGIAN
SEKTOR EKONOMI- BANK SECARA INDIVIDUAL PENURUNAN NILAI - BANK SECARA INDIVIDUAL
DISCLOSURE OF RECEIVABLES AND RESERVES BY ECONOMIC SECTOR - UNCONSOLIDATED DISCLOSURE OF CHANGES IN IMPAIRMENT RESERVES – UNCONSOLIDATED
Tagihan yang mengalami Cadangan Cadangan Cadangan
penurunan Nilai kerugian kerugian kerugian 31 Desember 2024 / December 31, 2024 31 Desember 2023 / December 31, 2023
Impaired Receivable penurunan nilai penurunan nilai penurunan nilai Tagihan yang Kategori Portofolio / Portfolio Category
Tagihan (CKPN) - Stage 1 (CKPN) - Stage 2 (CKPN) - Stage 3 dihapus buku Stage 1 / Stage 1 Stage 2 / Stage 2 Stage 3 / Stage 3 Stage 1 / Stage 1 Stage 2 / Stage 2 Stage 3 / Stage 3
Sektor Ekonomi / Economic Sector Receivable Individual Individual Individual Receivables
Belum Jatuh Telah Jatuh Impairment Impairment Impairment Written of
Tempo Tempo Losses Allowance Losses Allowance Losses Allowance Saldo awal CKPN / ILA Starting Balance 34.152 43.928 88.868 25.856 19.322 106.171
Not Due Not Due (ILA) - Stage 1 (ILA) - Stage 2 (ILA) - Stage 3
Pembentukan (pemulihan) CKPN pada
31 Desember 2023 / 31 December 2023 periode berjalan (Net)
(24.362) (39.799) 154.105 8.296 24.606 76.222
Establishment (Recovery) of ILA in current
Pertanian, Kehutanan, dan Perikanan period (Net)
- - - 0 - - -
Agriculture, Forestry and Fisheries
a. Pembentukan CKPN pada
Pertambangan dan Penggalian periode berjalan
- - - 1.347 - 59.484 - - - 154.105 8.296 24.606 76.222
Mining and excavation Establishment of ILA in current
period
Industri pengolahan
- - - 9.466 118 29.384 -
Processing industry b. Pemulihan CKPN pada
periode berjalan
Pengadaan Listrik, Gas, Uap/Air Panas dan Udara (24.362) (39.799) - - -
Recovery of ILA in current
Dingin period
- - - -
Procurement of electricity, gas, steam / hot water
and cold air CKPN yang digunakan untuk melakukan
hapus buku atas tagihan pada periode
Pengelolaan Air, Pengelolaan Air Limbah, Pengelolaan berjalan 137.815 93.525
dan Daur Ulang Sampah ILA used for writing off receivables in
- - - -
Water Management, Wastewater Management, current period
Waste Management and Recycling
Pembentukan (pemulihan) lainnya pada
Konstruksi periode berjalan
- - - 782 446 - - - - - - - -
Construction Other Establishment (Recovery) in
Perdagangan besar dan eceran; Reparasi dan current period
Perawatan Mobil dan Sepeda Motor Saldo akhir CKPN / ILA Ending Balance
- - - 5.727 41.911 - - 9.790 4.129 105.158 34.152 43.928 88.868
Wholesale and retail trade; Car and Motorcycle
Repair and Maintenance
Pengangkutan dan Pergudangan
- - - 422 - - -
Transportation and Warehousing
Penyediaan Akomodasi dan Penyediaan Makan
PENGUNGKAPAN RISIKO PASAR MENGGUNAKAN
Minum
Provision of Accommodation and Provision of Food
- - - 102 - - - METODE STANDAR
and Drink DISCLOSURE OF MARKET RISK APPLYING A STANDARD METHOD
Informasi dan Komunikasi
- - - 441 - - -
Information and Communication 31 Desember 2024 / December 31, 2024 31 Desember 2023 / December 2023
Aktivitas Keuangan dan Asuransi
- - - 14.794 - - - Kategori Portofolio Individual / Individual Konsolidasian / Consolidation Individual / Individual Konsolidasian / Consolidation
Financial and Insurance Activities
Portfolio Category
Real Estat Beban Modal ATMR Beban Modal ATMR Beban Modal ATMR Beban Modal ATMR
- - - 630 134 - - Capital Expenses ATMR Capital Expenses ATMR Capital Expenses ATMR Capital Expenses ATMR
Real Estate
Aktivitas Profesi, Ilmiah, dan Teknis Risiko Suku Bunga
- - - 17 271 - - Interest Rate Risk
- - - - - - - -
Professional, Scientific, and Technical Activities
Aktivitas Penyewaan dan Sewa Guna Usaha Tanpa a. Risiko Spesifik
Specific Risks
- - - - - - - -
Hak Opsi, Ketenagakerjaan, Agen Perjalanan, dan
Penunjang Usaha Lainnya
- - - 53 66 - - b. Risiko Umum
Leasing and Leasing Activities without Option Rights, - - - - - - - -
Employment, Travel Agencies, and Other Business General Risk
Supports Risiko Nilai Tukar
Exchange Rate Risk
- - - - - - - -
Administrasi Pemerintahan, Pertahanan, dan Jaminan
Sosial Wajib
- - - - Risiko Ekuitas / Equity Risk
*) *)
- - - - - - - -
Mandatory Government Administration, Defense and
Social Security Risiko Komoditas *)
Commodity Risk *)
- - - - - - - -
Pendidikan
- - - 22 - - -
Education Risiko Option / Option Risk - - - - - - - -
Aktivitas Kesehatan Manusia dan Aktivitas Sosial
Human Health Activities and Social Activities
- - - 27 - - - TOTAL - - - - - - - -
Kesenian, Hiburan, dan Rekreasi
- - - 157 982 - -
Arts, Entertainment and Recreation
Aktivitas Jasa Lainnya
- - - 34 - - -
Other Service Activities
Aktivitas Rumah Tangga sebagai Pemberi Kerja
- - - 127 - -
Household Activities as an Employer
Aktivitas Badan Internasional dan Badan Ekstra
Internasional Lainnya
- - - -
Activities of International Bodies and Other Extra-
International Agencies
Bukan Lapangan Usaha
- - - -
Non-business Field
Lainnya
- - - - - - -
Others
Total - - - 34.151 43.928 88.868 -
PT BANK OF INDIA INDONESIA Tbk PT BANK OF INDIA INDONESIA Tbk
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Lampiran
Annexures
PENGUNGKAPAN TAGIHAN BERSIH BERDASARKAN KATEGORI PORTOFOLIO
DAN SKALA PERINGKAT - BANK SECARA INDIVIDUAL
DISCLOSURE OF NET RECEIVABLES BY PORTFOLIO CATEGORY AND RATING SCALE - UNCONSOLIDATED
31 Desember 2024 / December, 31, 2024
Lembaga Tagihan Bersih / NET Billings
Pemeringkat
Institution Peringkat Jangka panjang / Long-term Rating Peringkat Jangka Pendek / Short Term Rating
Rating Agency
Standard and BBB+ s.d Kurang dari A-3
AAA AA+ s.d AA- A+ s.d A- BB+ s.d BB- B+ s.d B- Kurang dari B- A-1 A-2 A-3
Poor’s BBB- Less than A-3
BBB+ s.d Kurang dari F3
Fitch Ratings AAA AA+ s.d AA- A+ s.d A- BB+ s.d BB- B+ s.d B- Kurang dari B- F1+ s.d F1 F2 F3
Kategori Portofolio BBB- Less than F3
Portfolio Category Moody’s Aaa Aa1 s.d Aa3 A1 s.d A3 Baa1 s.d Ba1 s.d Ba3 B1 s.d B3 Kurang dari B3 P-1 P-2 P-3 Kurang dari P-3
Tanpa Peringkat
Unranked Total
Baa3 Less than P-3
PT Fitch Kurang dari
AA+(idn) A+(idn) s.d. BBB+(idn) BB+(idn) s.d B+(idn) s.d B- Kurang dari F1+(idn) s.d
Ratings AAA (idn) F2(idn) F3(idn) F3(idn)
s.d AA-(idn) A-(idn) s.d BBB-(idn) BB-(idn) (idn) B-(idn) F1(idn)
Indonesia Less than F3(idn)
PT idAA+ s.d idA+ s.d id BBB+ s.d id BB+ s.d id Kurang dari idA4
Pemeringkat idAAA id B+ s.d id B- Kurang dari idB- idA1 idA2 idA3 s.d id A4
idAA- id A- id BBB- BB- Less than idA4
Efek Indonesia
Tagihan Kepada Pemerintah
- - - - - - - - - - - - -
Receivables from Government
Tagihan Kepada Entitas Sektor Publik
- - - - - - - - - - - - -
Receivables from Public Sector Entities
Tagihan Kepada Bank Pembangunan Multilateral dan Lembaga Internasional
Receivables from Multilateral Development Banks and International - - - - - - - - - - - - -
Institutions
Tagihan Kepada Bank
- - - - - - - - - - - - -
Receivables from Banks
Kredit Beragun Rumah Tinggal
- - - - - - - - - - - - -
Residential Property Backed Loans
Kredit Beragun Properti Komersial
- - - - - - - - - - - - -
Commercial Property Backed Loans
Kredit Pegawai/Pensiunan
- - - - - - - - - - - - -
Employee/Retirement Loans
Tagihan Kepada Usaha Mikro, Usaha Kecil dan Portofolio Ritel
- - - - - - - - - - - - -
Receivables from Microbusiness, Small Business,and Retail Portfolio
Tagihan kepada Korporasi
- - - - - - - - - - - - -
Receivables from Corporations
Tagihan yang Telah Jatuh Tempo
- - - - - - - - - - - - -
Due Receivables
Aset Lainnya
- - - - - - - - - - - - -
Other assets
31 Desember 2023 / December, 31, 2023
Tagihan Kepada Pemerintah
- - - - - - - - - - - - -
Receivables from Government
Tagihan Kepada Entitas Sektor Publik
- - - - - - - - - - - - -
Receivables from Public Sector Entities
Tagihan Kepada Bank Pembangunan Multilateral dan Lembaga Internasional
Receivables from Multilateral Development Banks and International - - - - - - - - - - - - -
Institutions
Tagihan Kepada Bank
- - - - - - - - - - - - -
Receivables from Banks
Kredit Beragun Rumah Tinggal
- - - - - - - - - - - - -
Residential Property Backed Loans
Kredit Beragun Properti Komersial
- - - - - - - - - - - - -
Commercial Property Backed Loans
Kredit Pegawai/Pensiunan
- - - - - - - - - - - - -
Employee/Retirement Loans
Tagihan Kepada Usaha Mikro, Usaha Kecil dan Portofolio Ritel
- - - - - - - - - - - - -
Receivables from Microbusiness, Small Business,and Retail Portfolio
Tagihan kepada Korporasi
- - - - - - - - - - - - -
Receivables from Corporations
Tagihan yang Telah Jatuh Tempo
- - - - - - - - - - - - - -
Due Receivables
Aset Lainnya
- - - - - - - - - - - - - -
Other assets
PT BANK OF INDIA INDONESIA Tbk PT BANK OF INDIA INDONESIA Tbk
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Lampiran
Annexures
PENGUNGKAPAN TAGIHAN BERSIH BERDASARKAN BOBOT RISIKO
SETELAH MEMPERHITUNGKAN DAMPAK MITIGASI RISIKO
KREDIT - BANK SECARA INDIVIDUAL
DISCLOSURE OF NET RECEIVABLES BY RISK WEIGHT AFTER CREDIT RISK MITIGATION -
UNCONSOLIDATED
31 Desember 2024 / December 31, 2024 31 Desember 2023 / December 31, 2023
Kategori Portofolio Tagihan Bersih Setelah Memperhitungkan Dampak Mitigasi Risiko Kredit Beban Modal Tagihan Bersih Setelah Memperhitungkan Dampak Mitigasi Risiko Kredit
ATMR ATMR Beban Modal
Net Receivables After Calculating the Impact of Credit Risk Mitigation Capital Net Receivables After Calculating the Impact of Credit Risk Mitigation
Portfolio Category RWA RWA Capital Expenses
Expenses
Lainnya / Lainnya /
0% 20% 35% 40% 45% 50% 75% 100% 150% 0% 20% 35% 40% 45% 50% 75% 100% 150%
Others Others
Eksposur Laporan Posisi Keuangan / Financial Position Report Exposures
Tagihan Kepada Pemerintah
- - - - - - - - - - - - - - - - - - - - - - - -
Receivables from Government
Tagihan Kepada Entitas Sektor Publik
- - - - - - - - - - - - - - - - - - - - - - - -
Receivables from Public Sector Entities
Tagihan Kepada Bank Pembangunan Multilateral
dan Lembaga Internasional
- - - - - - - - - - - - - - - - - - - - - - - -
Receivables from Multilateral Development
Banks and International Institutions
Tagihan Kepada Bank
- - - - - - - - - - - - - - - - - - - - - - - -
Receivables from Banks
Kredit Beragun Rumah Tinggal
- - - - - - - - - - - - - - - - - - - - - - - -
Residential Property Backed Loans
Kredit Beragun Properti Komersial
- - - - - - - - - - - - - - - - - - - - - - - -
Commercial Property Backed Loans
Kredit Pegawai/Pensiunan
- - - - - - - - - - - - - - - - - - - - - - - -
Employee/Retirement Loans
Tagihan Kepada Usaha Mikro, Usaha Kecil dan
Portofolio Ritel
- - - - - - - - - - - - - - - - - - - - - - - -
Receivables from Microbusiness, Small Business,
and Retail Portfolio”
Tagihan kepada Korporasi
- - - - - - - - - - - - - - - - - - - - - - - -
Receivables from Corporations
Tagihan yang Telah Jatuh Tempo
- - - - - - - - - - - - - - - - - - - - - - - -
Due Receivables
Aset Lainnya
- - - - - - - - - - - - - - - - - - - - - - - -
Other assets
Total Eksposur Laporan Posisi Keuangan
- - - - - - - - - - - - - - - - - - - - - - - -
Total Financial Position Report Exposures
Eksposur Kewajiban Komitmen Kontijensi pada
Transaksi Rekening Administratif
Exposure of Contingent Commitment Liabilities in
Administrative Account Transactions
Tagihan Kepada Pemerintah
- - - - - - - - - - - - - - - - - - - - - - - -
Receivables from Government
Tagihan Kepada Entitas Sektor Publik
- - - - - - - - - - - - - - - - - - - - - - - -
Receivables from Public Sector Entities
Tagihan Kepada Bank Pembangunan Multilateral
dan Lembaga Internasional
- - - - - - - - - - - - - - - - - - - - - - - -
Receivables from Multilateral Development
Banks and International Institutions
Tagihan Kepada Bank
- - - - - - - - - - - - - - - - - - - - - - - -
Receivables from Banks
Kredit Beragun Rumah Tinggal
- - - - - - - - - - - - - - - - - - - - - - - -
Residential Property Backed Loans
Kredit Beragun Properti Komersial
- - - - - - - - - - - - - - - - - - - - - - - -
Commercial Property Backed Loans
Kredit Pegawai/Pensiunan
- - - - - - - - - - - - - - - - - - - - - - - -
Employee/Retirement Loans
Tagihan Kepada Usaha Mikro, Usaha Kecil dan
Portofolio Ritel
- - - - - - - - - - - - - - - - - - - - - - - -
Receivables from Microbusiness, Small Business,
and Retail Portfolio
Tagihan kepada Korporasi
- - - - - - - - - - - - - - - - - - - - - - - -
Receivables from Corporations”
Tagihan yang Telah Jatuh Tempo
- - - - - - - - - - - - - - - - - - - - - - - -
Due Receivables
Total Eksposur Laporan Posisi Keuangan
- - - - - - - - - - - - - - - - - - - - - - - -
Total Administrative Account Transaction Exposures
Eksposur Risiko Kredit akibat Kegagalan Pihak Lawan (Counterparty Credit Risk) / Credit Risk due to Counterparty Credit Risk
PT BANK OF INDIA INDONESIA Tbk PT BANK OF INDIA INDONESIA Tbk
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Lampiran
Annexures
PENGUNGKAPAN TAGIHAN BERSIH BERDASARKAN BOBOT RISIKO
SETELAH MEMPERHITUNGKAN DAMPAK MITIGASI RISIKO
KREDIT - BANK SECARA INDIVIDUAL
DISCLOSURE OF NET RECEIVABLES BY RISK WEIGHT AFTER CREDIT RISK MITIGATION -
UNCONSOLIDATED
31 Desember 2024 / December 31, 2024 31 Desember 2023 / December 31, 2023
Kategori Portofolio Tagihan Bersih Setelah Memperhitungkan Dampak Mitigasi Risiko Kredit Beban Modal Tagihan Bersih Setelah Memperhitungkan Dampak Mitigasi Risiko Kredit
ATMR ATMR Beban Modal
Net Receivables After Calculating the Impact of Credit Risk Mitigation Capital Net Receivables After Calculating the Impact of Credit Risk Mitigation
Portfolio Category RWA RWA Capital Expenses
Expenses
Lainnya / Lainnya /
0% 20% 35% 40% 45% 50% 75% 100% 150% 0% 20% 35% 40% 45% 50% 75% 100% 150%
Others Others
Tagihan Kepada Pemerintah
- - - - - - - - - - - - - - - - - - - - - - - -
Receivables from Government
Tagihan Kepada Entitas Sektor Publik
- - - - - - - - - - - - - - - - - - - - - - - -
Receivables from Public Sector Entities
Tagihan Kepada Bank Pembangunan Multilateral
dan Lembaga Internasional
- - - - - - - - - - - - - - - - - - - - - - - -
Receivables from Multilateral Development
Banks and International Institutions
Tagihan Kepada Bank
- - - - - - - - - - - - - - - - - - - - - - - -
Receivables from Banks
Tagihan Kepada Usaha Mikro, Usaha Kecil dan
Portofolio Ritel
- - - - - - - - - - - - - - - - - - - - - - - -
Receivables from Microbusiness, Small Business,
and Retail Portfolio
Tagihan kepada Korporasi
- - - - - - - - - - - - - - - - - - - - - - - -
Receivables from Corporations
Total Eksposur Counterparty Credit Risk /
- - - - - - - - - - - - - - - - - - - - - - - -
Total Eksposur Counterparty Credit Risk
PENGUNGKAPAN TAGIHAN BERSIH DAN TEKNIK MITIGASI RISIKO
KREDIT - BANK SECARA INDIVIDUAL
DISCLOSURE OF NET RECEIVABLES AND CREDIT RISK MITIGATION TECHNIQUES -
UNCONSOLIDATED
31 Desember 2024 / December 31, 2024 31 Desember 2023 / December 31, 2023
Kategori Portofolio Bagian Yang Dijamin Dengan / Part guaranteed with Bagian Yang Dijamin Dengan / Part guaranteed with
Portfolio Category Bagian yang tidak
Tagihan Bersih / Tagihan Bersih / Bagian yang tidak di jamin
di jamin
Net Receivables Asuransi Kredit Lainnya Net Receivables Asuransi Kredit Lainnya Unwarranted Parts
Agunan / Collateral Garansi / Guarantee Unwarranted Parts Agunan / Collateral Garansi / Guarantee
Credit in insurance Others Credit in insurance Others
Eksposur Laporan Posisi Keuangan
Exposure of Financial Position Report
Tagihan Kepada Pemerintah
2.186.206 2.186.206 - 1.378.726 1.378.726 -
Receivables from Government
Tagihan Kepada Entitas Sektor Publik
- -
Receivables from Public Sector Entities
Tagihan Kepada Bank Pembangunan
Multilateral dan Lembaga Internasional
- -
Receivables from Multilateral Development
Banks and International Institutions
Tagihan Kepada Bank
44.587 37.317 - 7.270 168.672 37.317 - 131.355
Receivables from Banks
Kredit Beragun Rumah Tinggal
25.823 - 25.823 23.294 39 23.255
Residential Property Backed Loans
Kredit Beragun Properti Komersial
6.740 - - 6.740 10.451 - - 10.412
Commercial Property Backed Loans
Kredit Pegawai/Pensiunan
- - - - -
Employee/Retirement Loans
Tagihan Kepada Usaha Mikro, Usaha Kecil
dan Portofolio Ritel
130.203 53.308 76.896 88.441 2.222 86.219
Receivables from Microbusiness, Small
Business, and Retail Portfolio
Tagihan kepada Korporasi
3.729.084 631.783 3.097.301 3.293.078 214.819 3.078.260
Receivables from Corporations
Tagihan yang Telah Jatuh Tempo
144.243 - 144.243 144.351 62.355 81.996
Due Receivables
Aset Lainnya / Other assets 254.071 254.071 254.071 - 254.071
Total Eksposur Laporan Posisi Keuangan
6.520.956 2.908.613 - - - 3.612.343 5.361.082 1.695.477 - - - 3.665.606
Total Financial Position Report Exposures
PT BANK OF INDIA INDONESIA Tbk PT BANK OF INDIA INDONESIA Tbk
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Lampiran
Annexures
PENGUNGKAPAN TAGIHAN BERSIH DAN TEKNIK MITIGASI RISIKO
KREDIT - BANK SECARA INDIVIDUAL
DISCLOSURE OF NET RECEIVABLES AND CREDIT RISK MITIGATION TECHNIQUES -
UNCONSOLIDATED
31 Desember 2024 / December 31, 2024 31 Desember 2023 / December 31, 2023
Kategori Portofolio Bagian yang tidak
Bagian Yang Dijamin Dengan / Part guaranteed with Bagian Yang Dijamin Dengan / Part guaranteed with Bagian yang tidak di jamin
di jamin
Portfolio Category Tagihan Bersih / Tagihan Bersih / Unwarranted Parts
Unwarranted Parts
Net Receivables Asuransi Kredit Lainnya Net Receivables Asuransi Kredit Lainnya
Agunan / Collateral Garansi / Guarantee Agunan / Collateral Garansi / Guarantee
Credit in insurance Others Credit in insurance Others
Exposure Transaksi Rekening Administratif
Exposure to Administrative Account Transactions
Tagihan Kepada Pemerintah
- -
Receivables from Government
Tagihan Kepada Entitas Sektor Publik
- -
Receivables from Public Sector Entities
Tagihan Kepada Bank Pembangunan
Multilateral dan Lembaga Internasional
- -
Receivables from Multilateral Development
Banks and International Institutions
Tagihan Kepada Bank
- -
Receivables from Banks
Kredit Beragun Rumah Tinggal
- -
Residential Property Backed Loans
Kredit Beragun Properti Komersial
321 321 400 400
Commercial Property Backed Loans
Kredit Pegawai/Pensiunan
- -
Employee/Retirement Loans
Tagihan Kepada Usaha Mikro, Usaha Kecil
dan Portofolio Ritel
6.229 6.229 2.285 2.285
Receivables from Microbusiness, Small
Business, and Retail Portfolio
Tagihan kepada Korporasi
18.511 - 18.511 31.167 - 31.167
Receivables from Corporations
Tagihan yang Telah Jatuh Tempo
- -
Due Receivables
Total Exposure Transaksi Rekening
Administratif
25.061 - - - - 25.061 33.852 - - - - 33.852
Total Exposure to Administrative Account
Transactions
Exposur Risiko Kredit Akibat kegagalan Pihak Lawan (Counterparty Credit Risk)
Counterparty Credit Risk Exposure
Tagihan Kepada Pemerintah
266.444 - 266.444 719.192 - 719.192
Receivables from Government
Tagihan Kepada Entitas Sektor Publik
- -
Receivables from Public Sector Entities
Tagihan Kepada Bank Pembangunan
Multilateral dan Lembaga Internasional
- -
Receivables from Multilateral Development
Banks and International Institutions
Tagihan Kepada Bank
- -
Receivables from Banks
Tagihan Kepada Usaha Mikro, Usaha Kecil
dan Portofolio Ritel
- -
Receivables from Microbusiness, Small
Business, and Retail Portfolio
Tagihan kepada Korporasi
- -
Receivables from Corporations
Total Eksposur Risiko Kredit akibat
Kegagalan Pihak Lawan (Counterparty
266.444 - 266.444 719.192 719.192
Credit Risk)
Total Counterparty Credit
Total (A+B+C) / Total (A+B+C) 6.812.462 2.908.613 - - - 3.903.849 6.114.127 1.695.477 - - - 4.418.650
PT BANK OF INDIA INDONESIA Tbk PT BANK OF INDIA INDONESIA Tbk
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Lampiran
Annexures
PENGUNGKAPAN PERHITUNGAN ATMR RISIKO KREDIT DENGAN (dalam jutaan rupiah) / (in million rupiah)
MENGGUNAKAN PENDEKATAN STANDAR 31 Desember 2024 / December, 31, 2024 31 Desember 2023 / December, 31, 2023
DISCLOSURE OF CREDIT RISK RWA CALCULATION USING THE STANDARDIZED APPROACH Kategori Portofolio Tagihan
Tagihan ATMR Sebelum ATMR ATMR ATMR
Portfolio Category Bersih
Bersih MRK Setelah MRK Sebelum MRK Setelah MRK
Net
(dalam jutaan rupiah) / (in million rupiah) Net ATMR ATMR After ATMR ATMR After
Receiva-
Receivables Before MRK MRK Before MRK MRK
bles
31 Desember 2024 / December, 31, 2024 31 Desember 2023 / December, 31, 2023
Eksposur Kewajiban Komitmen/Kontinjensi pada Transaksi Rekening Administratif, kecuali eksposur sekuritisasi
Commitment/Contingent Liability Exposure on Administrative Account Transactions, except securitization exposure
Kategori Portofolio ATMR ATMR ATMR
Tagihan Tagihan ATMR Tagihan Kepada Pemerintah
Portfolio Category Sebelum Setelah Sebelum - - - - - -
Bersih Bersih Setelah MRK Receivables from Government
MRK MRK MRK
Net Net ATMR After
ATMR ATMR After ATMR
Receivables Receivables MRK a. Tagihan Kepada Pemerintah Indonesia
Before MRK MRK Before MRK - - - - - -
Receivables from the Government of Indonesia
Eksposur Aset di laporan posisi keuangan, kecuali eksposur sekuritisasi / Asset exposures in the statement of financial position, except securitization exposures b. Tagihan Kepada Pemerintah Negara Lain
Receivables from other governments - - - - - -
Tagihan Kepada Pemerintah 2.186.206 - - 1.378.726 - -
Receivables from Government Tagihan Kepada Entitas Sektor Publik
Receivables from Public Sector Entities - - - - - -
a. Tagihan Kepada Pemerintah Indonesia
Receivables from the Government of Indonesia 2.186.206 - - 1.378.726 - - Tagihan Kepada Bank Pembangunan Multilateral dan Lembaga Internasional
Receivables from Multilateral Development Banks and International Institutions - - - - - -
b. Tagihan Kepada Pemerintah Negara Lain - - - - - - Tagihan Kepada Bank
Receivables from other governments - - - - - -
Receivables from Banks
Tagihan Kepada Entitas Sektor Publik - - - - - - a. Tagihan Jangka Pendek
Receivables from Public Sector Entities Short-term Receivables - - - - - -
Tagihan Kepada Bank Pembangunan Multilateral dan Lembaga Internasional b. Tagihan Jangka Panjang
Receivables from Multilateral Development Banks and International Institutions - - - - - - - - - - - -
Long-term Receivables
Tagihan Kepada Bank Kredit Beragun Rumah Tinggal
44.587 8.917 8.917 168.672 33.734 33.734 - - - - - -
Receivables from Banks Residential Mortgage
a. Tagihan Jangka Pendek Kredit Beragun Properti Komersial
7.270 1.454 1.454 131.355 26.271 26.271 321 289 289 400 360 360
Short-term Receivables Commercial Property Backed Loans
b. Tagihan Jangka Panjang Kredit Pegawai atau Pensiunan
37.317 7.463 7.463 37.317 7.463 7.463 - - - - - -
Long-term Receivables Employee or Retiree Loans
Kredit Beragun Rumah Tinggal Tagihan Kepada Usaha Mikro, Usaha Kecil, dan Portofolio Ritel
Residential Mortgage 25.823 9.038 9.038 23.294 8.153 8.153 Receivables from Micro Business, Small Business, and Retail Portfolio 6.229 4.672 4.672 2.285 1.714 1.714
Kredit Beragun Properti Komersial Tagihan Kepada Korporasi
6.740 6.066 6.066 10.451 9.406 9.406 18.511 18.511 18.511 31.167 31.167 31.167
Commercial Property Backed Loans Receivables from Corporations
Tagihan Yang Telah Jatuh Tempo
Kredit Pegawai atau Pensiunan Overdue Receivables
- - - - - -
Employee or Retiree Loans - - - - - -
a. Kredit Beragun Rumah Tinggal
Tagihan Kepada Usaha Mikro, Usaha Kecil, dan Portofolio Ritel - - - - - -
130.203 97.653 57.672 88.441 66.330 49.897 Residential Mortgage
Receivables from Micro Business, Small Business, and Retail Portfolio
b. Selain Kredit Beragun Rumah Tinggal
- - - - - -
Tagihan Kepada Korporasi Other than Residential Mortgage
Receivables from Corporations 3.729.084 3.729.084 3.097.301 3.293.078 3.293.078 2.809.976
TOTAL 25.061 23.472 23.472 33.852 33.241 33.241
Tagihan Yang Telah Jatuh Tempo
Overdue Receivables 144.243 144.243 144.243 144.351 147.850 147.850
Eksposur yang Menimbulkan Risiko Kredit akibat kegagalan Pihak Lawan (Counterparty Credit Risk)
Exposures that Give rise to Counterparty Credit Risk
a. Kredit Beragun Rumah Tinggal 946 946 946 - - - Tagihan Kepada Pemerintah
Residential Mortgage
Receivables from Government 266.444 - - 719.192 - -
b. Selain Kredit Beragun Rumah Tinggal 143.297 143.297 143.297 144.351 147.850 147.850
Other than Residential Mortgage a. Tagihan Kepada Pemerintah Indonesia
Receivables from the Government of Indonesia 266.444 - - 719.192 - -
Aset Lainnya 254.071 - 288.127 279.185 - 332.168
Other Assets b. Tagihan Kepada Pemerintah Negara Lain
Receivables from other governments - - - - - -
a. Uang tunai, emas, dan commemorative coin
Cash, gold and commemorative coins 14.061 - - 11.454 - - Tagihan Kepada Entitas Sektor Publik
Receivables from Public Sector Entities - - - - - -
b. Penyertaan (selain yang menjadi faktor pengurang modal) - - - - - - Tagihan Kepada Bank Pembangunan Multilateral dan Lembaga Internasional
Participation (other than capital deduction factors) - - - - - -
Receivables from Multilateral Development Banks and International Institutions
1) Penyertaan modal sementara dalam rangka restrukturisasi kredit
Temporary equity participation in loan restructuring plan - - - - - - Tagihan Kepada Bank
Receivables from Banks - - - - - -
2) Penyertaan kepada perusahaan keuangan yang tidak terdaftar
di bursa a. Tagihan Jangka Pendek
- - - - - - Short-term Receivables - - - - - -
Investments in financial companies that are not listed on the stock
exchange
b. Tagihan Jangka Panjang
Long-term Receivables - - - - - -
3) Penyertaan kepada perusahaan keuangan yang terdaftar di bursa
Investments in listed financial companies - - - - - -
Tagihan Kepada Usaha Mikro, Usaha Kecil, dan Portofolio Ritel
Receivables from Micro Business, Small Business, and Retail Portfolio - - - - - -
c. Aset tetap dan inventaris neto 125.865 - 125.865 131.538 - 131.538
Net fixed assets and inventories Tagihan Kepada Korporasi
Receivables from Corporations - - - - - -
d. Agunan Yang Diambil Alih (AYDA) 96.235 - 144.353 128.874 - 193.311
Repossessed Collateral (AYDA)
TOTAL 266.444 - - 719.192 - -
e. Antar kantor neto - - - - - -
Net inter-office
f. Lainnya 17.909 - 17.909 7.319 - 7.319
Others
TOTAL 6.520.956 3.995.001 3.611.364 5.386.197 3.558.552 3.391.183
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PENGUNGKAPAN PERHITUNGAN ATMR RISIKO MENGGUNAKAN PENGUNGKAPAN PERHITUNGAN ATMR RISIKO MENGGUNAKAN
PENDEKATAN STANDAR PENDEKATAN STANDAR
DISCLOSURE OF ATMR RISK CALCULATION USING STANDARDIZED APPROACH DISCLOSURE OF ATMR RISK CALCULATION USING STANDARDIZED APPROACH
(dalam jutaan rupiah) / (in million rupiah) (dalam jutaan rupiah) / (in million rupiah)
31 Desember 2024 / December, 31, 2024 31 Desember 2023 / December, 31, 2023 31 Desember 2024 / December, 31, 2024 31 Desember 2023 / December, 31, 2023
Faktor Faktor Kategori Portofolio Tagihan
Jenis Transaksi Tagihan ATMR Sebelum ATMR ATMR ATMR
Nilai Pengurang Nilai Pengurang Portfolio Category Bersih MRK Bersih
Transaction Type Setelah MRK Sebelum MRK Setelah MRK
Eksposur Modal ATMR Eksposur Modal ATMR Net ATMR Net
ATMR After ATMR ATMR After
Exposure Capital ATMR Exposure Capital ATMR Receivables Before MRK Receiva-
MRK bles
Before MRK MRK
Value Deduction Value Deduction
Factor Factor
Eksposur Derivatif / Derivative Exposure
Eksposur yang Menimbulkan Risiko Kredit akibat Kegagalan Setelmen (settlement risk)
Exposures that Give rise to Credit Risk due to Settlement Failure (settlement risk) Tagihan Kepada Pemerintah
- - - - - -
Receivables from Government
Delivery versus payment a. Tagihan Kepada Pemerintah Indonesia
- - - - - -
Delivery versus payment Receivables from the Government of Indonesia - - - - - -
a. Beban Modal 8% (5-15 hari) b. Tagihan Kepada Pemerintah Negara Lain
Capital Expense 8% (5-15 days) - - - - - - - - - - - -
Receivables from other governments
b. Beban Modal 50% (16-30 hari) Tagihan Kepada Entitas Sektor Publik
- - - - - - - - - - - -
Capital Expense 50% (16-30 days) Receivables from Public Sector Entities
c. Beban Modal 75% (31-45 hari) Tagihan kepada Bank Pembangunan Multilateral dan Lembaga Internasional
- - - - - - Receivables from Multilateral Development Banks and International Institutions - - - - - -
Capital Expense 75% (31-45 days)
d. Beban Modal 100% (lebih dari 45 hari) Tagihan Kepada Bank 2.921 584 584 661 132 132
Capital Expense 100% (more than 45 days) - - - - - - Receivables from Banks
Non-delivery versus payment a. Tagihan Jangka Pendek 2.921 584 584 661 132 132
- - - - - - Short-term Receivables
Non-delivery versus payment
b. Tagihan Jangka Panjang
TOTAL - - - - - - Long-term Receivables
- - - - - -
Tagihan Kepada Usaha Mikro, Usaha Kecil, dan Portofolio Ritel
Receivables from Micro, Small and Retail Portfolios - - - - - -
(dalam jutaan rupiah) / (in million rupiah)
Tagihan Kepada Korporasi
Receivables from Corporations - - - - - -
31 Desember 2024 / December, 31, 2024 31 Desember 2023 / December, 31, 2023
Eksposur tertimbang dari Credit Valuation Adjustment (CVA risk weighted assets)
Credit Valuation Adjustment weighted exposure (CVA risk weighted assets) - - - - - -
Jenis Transaksi Faktor Pengurang
Transaction Type Modal ATMR Faktor Pengurang ATMR
Modal TOTAL 2.921 584 584 661 132 132
Capital Deduction ATMR ATMR
Faktor Pengurang Modal
Factor
(dalam jutaan rupiah) / (in million rupiah)
Eksposur Sekuritisasi / Securitization Exposure
ATMR atas Eksposur Sekuritisasi yang dihitung dengan Metode External Rating 31 Desember 2024 / December, 31, 2024 31 Desember 2023 / December, 31, 2023
Base Approach (ERBA)
RWA on Securitization Exposure calculated by External Rating Base Approach - - - -
(ERBA) Method TOTAL ATMR RISIKO KREDIT 3.635.421 3.424.557
TOTAL ATMR CREDIT RISK
ATMR atas Eksposur Sekuritisasi yang dihitung dengan Metode Standardized
Approach (SA) FAKTOR PENGURANG ATMR RISIKO KREDIT:
RWA on Securitization Exposure calculated by External Rating Base Approach - - - - CREDIT RISK ATMR DEDUCTION FACTOR:
(ERBA) Method Selisih lebih antara cadangan umum PPKA atas aset produktif yang - -
Eksposur Sekuritisasi yang merupakan Faktor Pengurang Modal Inti Utama
wajib dihitung dan 1,25% ATMR untuk Risiko Kredit
Securitization Exposure that is a Major Tier 1 Capital Deduction Factor - - - - Difference between PPKA general reserve on earning assets that must be calculated
and 1.25% RWA for Credit Risk
TOTAL - - - - TOTAL ATMR RISIKO KREDIT (A) - (B)
TOTAL ATMR CREDIT RISK (A) - (B)
3.635.421 3.424.557
TOTAL FAKTOR PENGURANG MODAL - -
TOTAL CAPITAL DEDUCTION FACTORS
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PENGUNGKAPAN KUALITATIF MENGENAI COUNTERPARTY CREDIT CAPITAL CHARGE UNTUK CREDIT VALUATION ADJUSMENT (CVA) -
RISK (CCRA) (CCR2)
QUALITATIVE DISCLOSURES ON COUNTERPARTY CREDIT RISK (CCRA) CREDIT VALUATION ADJUSTMENT CAPITAL CHARGE (CVA) - (CCR2)
a
a b
Bank harus menyediakan: / Bank must provide: Keterangan*) / Description*) Keterangan / Description
Tagihan Bersih / Net Receivables ATMR / ATMR
a. Tujuan manajemen risiko dan kebijakan terkait risiko kredit akibat kegagalan pihak lawan (counterparty credit risk), termasuk:
N/A Total portfolios berdasarkan Advanced CVA capital charge
The objectives of risk management and policies related to credit risk due to counterparty credit risk, including: N/A N/A
Total portfolio based on Advanced CVA capital charge
b. Metode yang digunakan untuk menerapkan limit operasi yang didefinisikan pada internal capital untuk counterparty credit exposures dan untuk (i) komponen VaR (termasuk 3× multiplier)
eksposur CCP; N/A N/A N/A
(i) VaR components (including 3 × multiplier)
The method applied to implement defined operating limits to internal capital for counterparty credit exposures and for CCP exposures;
(ii) komponen Stressed VaR (termasuk 3× multiplier)
N/A N/A
c. Kebijakan yang berkaitan dengan garansi dan mitigasi risiko dan penilaian terkait counterparty risk, termasuk eksposur towards CCP; (ii) Stressed VaR components (including 3 × multiplier)
N/A
Policies related to guarantee and risk mitigation and assessments related to counterparty risk, including exposure towards CCP; Semua Portfolio sesuai Standardised CVA Capital Charge
N/A N/A
All Portfolios are subject to Standardized CVA Capital Charge
d. Kebijakan terkait eksposur wrong-way risk;
N/A Total sesuai CVA Capital Charge / Total according to CVA Capital Charge N/A N/A
Policies related to wrong-way risk exposure;
e. Dampak pada nilai jaminan yang dibutuhkan untuk menyediakan penurunan peringkat kredit.
N/A
The impact on the value of the collateral needed to provide for a credit downgrade.
RISIKO KREDIT - EKSPOSUR CCR BERDASARKAN KATEGORI
EKSPOSUR RISIKO DAN PERMODALAN RISIKO KREDIT-ANALISIS PORTOFOLIO DAN BOBOT RISIKO (CCR3)
EKSPOSUR COUNTERPARTY CREDIT RISK (CCR 1) CREDIT RISK - CCR EXPOSURE BY PORTFOLIO CATEGORY AND RISK WEIGHT (CCR3))
EXPOSURE TO RISK AND CAPITAL–COUNTERPARTY CREDIT RISK (CCR 1) ANALYSIS
a b c d e f g h i
Kategori Portfolio / Portfolio Category Total Tagihan
Lainnyya Bersih
a b c d e f 0% 10% 20% 50% 75% 100% 150% Others Total Net
Receivables
Alpha digunakan
Keterangan / Description Replacement Potential future untuk perhitungan Tagihan kepada Pemerintah dan Bank
“Tagihan
cost (RC) / exposure (PFE) / regulatory EAD Sentral 2.186.206 - - - - - - - 2.186.206
EEPE / EEPE Bersih” / “Net ATMR / ATMR
Replacement cost Potential future / Alpha used for Receivables ” Claims on Government and Central Bank
(RC) exposure (PFE) regulatory EAD
calculations
Tagihan kepada Entitas Sektor Publik
- - - - - - - - -
Claims on Public Sector Entities
SA-CCR (untuk derivatif)
- 2.086,78 - 2.921,49 6.096.507 584
SA-CCR (for derivatives) Tagihan kepada Bank Pembangunan
Multilateral dan Lembaga Internasional
- - - - - - - - -
Metode Internal Model (untuk derivatif dan SFT) Claims on Multilateral Development Banks
- - - - N/A N/A and International Agencies
Internal Model Method (for derivatives and SFT)
Tagihan kepada Bank Lain
- - - - - - - - -
Pendekatan sederhana untuk mitigasi risiko kredit (untuk SFT) Claims on Other Banks
- - - - N/A N/A
Simple approach to credit risk mitigation (for SFT)
Tagihan kepada perusahaan sekuritas
- - - - - - - - -
Claims on security companies
Pendekatan komprehensif untuk mitigasi risiko kredit (untuk SFT)
- - - - - - Tagihan kepada Korporasi
A comprehensive approach to credit risk mitigation (for SFT) - - - - - - - - -
Claims on Corporations
VaR untuk SFT
- - - - N/A N/A Tagihan Kepada Usaha Mikro, Usaha Kecil,
VaR for SFT
dan Portofolio Ritel
- - - - - - - - -
Total / Total - 2.086,78 - 2.921,49 6.096.507 584,3 Claims on Micro Businesses, Small
Businesses, and Retail Portfolios
Aset lainnya / Other assets - - - - - - - - -
Total - - - - - - - - 2.186.206
PT BANK OF INDIA INDONESIA Tbk PT BANK OF INDIA INDONESIA Tbk
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RISIKO KREDIT - TAGIHAN BERSIH DERIVATIF KREDIT (CCR6) EKSPOSUR SEKURITISASI PADA BANKING BOOK (SEC1)
CREDIT RISK - NET LOANS DERIVATIVE CREDIT (CCR6) SECURITIZATION EXPOSURE ON BANKING BOOK (SEC1)
a b a b c d e f g h i
Uraian / Description
Bank sebagai originator / Bank as the
Proteksi yang dibeli / Protection bought Proteksi yang dijual / Protection sold Uraian / Description Bank sebagai sponsor / Bank as the sponsor Bank sebagai investor / Bank as the investor
originator
Nilai Notional / Notional Value - - Traditional Sintetis Sub-total Traditional Sintetis Sub-total Traditional Sintetis Sub-total
Traditional Synthetic Sub-total Traditional Synthetic Sub-total Traditional Synthetic Sub-total
• Single-name credit default swaps / Single-name credit default swaps - -
Ritel (total) – antara lain /
- - - - - - - - -
• Index credit default swaps / Index credit default swaps - - Retail (total) - as follows
• Total return swaps / Total return swaps - - Kredit perumahan /
- - - - - - - - -
Housing loans
• Credit options / Credit options - -
Kartu kredit / Credit card - - - - - - - - -
• Derivatif kredit lainnya / Other credit derivatives - -
Eksposur ritel lainnya /
Total Nilai Notional / Total Notional Value - - - - - - - - - - -
Other retail exposures
Nilai wajar / Fair value - - Re-sekuritisasi / Re-securitization - - - - - - - - -
• Nilai wajar positif (aset) / Positive fair value (assets) - - Non-ritel (total) – antara lain /
- - - - - - - - -
Non-retail (total) - as follows
• Nilai wajar negatif (kewajiban) / Negative fair value (liabilities) - -
Kredit korporasi /
- - - - - - - - -
Corporate credit
Kredit komersil /
PENGUNGKAPAN KUALITATIF MENGENAI EKSPOSUR Commercial credit
- - - - - - - - -
SEKURITISASI (SECA) Sewa dan piutang /
Rent and accounts receivable
- - - - - - - - -
QUALITATIVE DISCLOSURES ON SECURITIZATION EXPOSURE (SECA) Non-ritel lainnya /
- - - - - - - - -
Other non-retail
Uraian / Description
Re-sekuritisasi / Re-securitization - - - - - - - - -
Keterangan* / Description*
Pengungkapan Kualitatif / Qualitative Disclosure
Bank harus mendeskripsikan tujuan manajemen risiko dan kebijakan untuk aktivitas sekuritisasi dan fitur utama dari aktivitas ini berdasarkan kerangka di
bawah ini. Jika bank mempunyai posisi sekuritisasi pada laporan posisi keuangan dan transaksi rekening administratif, Bank harus menjelaskan poin-poin
dibawah ini dengan aktivitas berbeda pada setiap regulatory books.
The Bank should describe the risk management objectives and policies for the securitization activities and the main features of these activities based on
-
EKSPOSUR SEKURITISASI PADA TRADING BOOK (SEC2)
the framework below. If the Bank has a securitized position on the statement of financial position and administrative account transactions, the bank must SECURITIZATION EXPOSURE ON TRADING BOOK (SEC2)
explain the points below with different activities in each regulatory book.
a) Tujuan Bank terkait sekuritisasi dan aktivitas re-sekuritisasi, termasuk aktivitas pemindahan risiko kredit dari eksposur sekuritisasi yang mendasari dari a b c d e f g h i
bank kepada entitas lain, tipe risiko yang diasumsikan dan tipe risiko yang dipertahankan.
-
a) The objectives of the Bank are related to securitization and re-securitization activities, including activities of transferring credit risk from the underlying Bank sebagai originator / Bank as the
securitization exposure from the bank to another entity, the types of risk assumed and the types of risk to be maintained. Uraian / Description Bank sebagai sponsor / Bank as the sponsor Bank sebagai investor / Bank as the investor
originator
b) Bank harus menyediakan daftar: Traditional Sintetis Sub-total Traditional Sintetis Sub-total Traditional Sintetis Sub-total
-
b) The bank must provide a list of: Traditional Synthetic Sub-total Traditional Synthetic Sub-total Traditional Synthetic Sub-total
• Special purpose entities (SPEs) di mana bank berlaku sebagai sponsor (namun tidak sebagai originator seperti Asset Backed Commercial Paper (ABCP) Ritel (total) – antara lain /
conduit), mengindikasikan di mana Bank mengkonsolidasi SPE kepada lingkup regulatory consolidation; Retail (total) - as follows - - - - - - - - -
-
• Special purpose entities (SPEs) where the bank acts as a sponsor (but not as the originator such as the Asset Backed Commercial Paper (ABCP)
conduit), indicating where the bank is consolidating SPE into the scope of regulatory consolidation; Kredit perumahan / - - - - - - - - -
Housing loans
• Entitas terafiliasi (i) yang diatur atau disarankan bank dan (ii) yang menginvestasikan tidak hanya pada eksposur sekuritisasi yang telah disekuritisasi
oleh bank atau di SPE yang telah disponsori Bank; dan Kartu kredit / Credit card - - - - - - - - -
-
• Effiliated entities (i) that are regulated or bank-recommended and (ii) that invest not only in securitized exposures that have been securitized by the
bank or in bank-sponsored SPEs; and Eksposur ritel lainnya / - - - - - - - - -
Other retail exposures
• Daftar entitas dengan dukungan implisit dari bank dan berhubungan dengan dampak pada permodalan bagi mereka.
• List of entities with implicit supports from the bank and relating to the impact on capital for them.
- Re-sekuritisasi / Re-securitization - - - - - - - - -
c) Rangkuman kebijakan akuntansi bank terkait aktivitas sekuritisasi. Non-ritel (total) – antara lain / - - - - - - - - -
- Non-retail (total) - as follows
c) Summary of bank accounting policies related to securitization activities.
Kredit korporasi / - - - - - - - - -
d) Jika dapat diterapkan, nama institusi peringkat kredit (ECAIs) yang digunakan untuk sekuritisasi untuk agen yang digunakan. Corporate credit
-
d) If applicable, the names of credit rating institutions (ECAIs) used for securitization for the agent are used.
Kredit komersil / - - - - - - - - -
e) Bank harus menjelaskan fungsi asesmen internal Commercial credit
-
e) The bank must explain the internal assessment function
Sewa dan piutang / - - - - - - - - -
Rent and accounts receivable
Non-ritel lainnya / - - - - - - - - -
Other non-retail
Re-sekuritisasi / Re-securitization - - - - - - - - -
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EKSPOSUR SEKURITISASI PADA BANKING BOOK KETIKA BANK SEBAGAI ORIGINATOR ATAU
SPONSOR DAN PERSYARATAN PERMODALANNYA (SEC3)
EXPOSURE OF SECURITIZATION IN BANKING BOOK WHEN BANK ACTS AS ORIGINATOR OR SPONSOR AND CAPITAL REQUIREMENTS (SEC3)
a b c d e f g h i j k l m n o p q
Nilai eksposur (berdasarkan Nilai eksposur (berdasarkan
Nilai eksposur (berdasarkan Bobot Risiko) ATMR (berdasarkan regulatory approach) Capital charge after cap
regulatory approach) regulatory approach)
Uraian / Description
1250%
≤20% >20% to 50% >50% to 100% >100% to <1250% IRB RBA IRB RBA IRB RBA
Bobot IRB SFA SA/SSFA 1250% IRB SFA SA/SSFA 1250% IRB SFA SA/SSFA 1250%
Bobot Risiko Bobot Risiko Bobot Risiko Bobot Risiko (termasuk IAA) (termasuk IAA) (termasuk IAA)
Risiko
Total eksposur / Total exposure - - - - - - - - - - - - - - - - -
Sekuritisasi tradisional / Traditional securitisation - - - - - - - - - - - - - - - - -
Dimana underlying sekuritisasi / Where the underlying securitisation is: - - - - - - - - - - - - - - - - -
a. Ritel / Retail - - - - - - - - - - - - - - - - -
b. Non-ritel / Non-retail - - - - - - - - - - - - - - - - -
Dimana re-sekuritisasi / Where there is re-securitisation: - - - - - - - - - - - - - - - - -
a. Senior / Senior - - - - - - - - - - - - - - - - -
b. Non-senior / Non-senior - - - - - - - - - - - - - - - - -
Sekuritisasi sintetis / Synthetic securitisation - - - - - - - - - - - - - - - - -
Dimana underlying sekuritisasi / Where the underlying securitisation is: - - - - - - - - - - - - - - - - -
a. Ritel / Retail - - - - - - - - - - - - - - - - -
b. Non-ritel / Non-retail
Dimana re-sekuritisasi / Where there is re-securitisation:
a. Senior / Senior
b. Non-senior / Non-senior
EKSPOSUR SEKURITISASI PADA BANKING BOOK DAN PERSYARATAN PERMODALANNYA - BANK SEBAGAI
INVESTOR (SEC4)
SECURITIZATION EXPOSURE ON BANKING BOOK AND ITS CAPITAL REQUIREMENTS BANK AS THE INVESTOR (SEC4)
a b c d e f g h i j k l m n o p q
Nilai eksposur (berdasarkan Nilai eksposur (berdasarkan
Nilai eksposur (berdasarkan Bobot Risiko) ATMR (berdasarkan regulatory approach) Capital charge after cap
regulatory approach) regulatory approach)
Uraian / Description
1250%
≤20% >20% to 50% >50% to 100% >100% to <1250% IRB RBA IRB RBA IRB RBA
Bobot IRB SFA SA/SSFA 1250% IRB SFA SA/SSFA 1250% IRB SFA SA/SSFA 1250%
Bobot Risiko Bobot Risiko Bobot Risiko Bobot Risiko (termasuk IAA) (termasuk IAA) (termasuk IAA)
Risiko
Total eksposur / Total exposure - - - - - - - - - - - - - - - - -
Sekuritisasi tradisional / Traditional securitisation - - - - - - - - - - - - - - - - -
Dimana underlying sekuritisasi / Where the underlying securitisation is: - - - - - - - - - - - - - - - - -
a. Ritel / Retail - - - - - - - - - - - - - - - - -
b. Non-ritel / Non-retail - - - - - - - - - - - - - - - - -
Dimana re-sekuritisasi / Where there is re-securitisation: - - - - - - - - - - - - - - - - -
a. Senior / Senior - - - - - - - - - - - - - - - - -
b. Non-senior / Non-senior - - - - - - - - - - - - - - - - -
Sekuritisasi sintetis / Synthetic securitisation - - - - - - - - - - - - - - - - -
Dimana underlying sekuritisasi / Where the underlying securitisation is: - - - - - - - - - - - - - - - - -
a. Ritel / Retail - - - - - - - - - - - - - - - - -
b. Non-ritel / Non-retail
Dimana re-sekuritisasi / Where there is re-securitisation:
a. Senior / Senior
b. Non-senior / Non-senior
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KEWAJIBAN PEMENUHAN RASIO KECUKUPAN LIKUIDITAS KEWAJIBAN PEMENUHAN RASIO KECUKUPAN LIKUIDITAS
(LIQUIDITY COVERAGE RATIO) (LIQUIDITY COVERAGE RATIO)
LIQUIDITY COVERAGE RATIO LIABILITIES LIQUIDITY COVERAGE RATIO LIABILITIES
INDIVIDUAL / INDIVIDUAL INDIVIDUAL / INDIVIDUAL
30 September 2024 / September 30, 2024 31 Desember 2024 / Desember 31, 2024 30 September 2024 / September 30, 2024 31 Desember 2024 / Desember 31, 2024
Nilai HQLA setelah pengurangan Nilai HQLA setelah pengurangan Nilai HQLA setelah pengurangan Nilai HQLA setelah pengurangan
nilai (haircut), Outstanding nilai (haircut), Outstanding nilai (haircut), Outstanding nilai (haircut), Outstanding
Nilai Nilai Nilai Nilai
kewajiban kewajiban kewajiban kewajiban
Outstanding Outstanding Outstanding Outstanding
dan komitmen dikalikan tingkat dan komitmen dikalikan tingkat dan komitmen dikalikan tingkat dan komitmen dikalikan tingkat
kewajiban dan kewajiban dan kewajiban dan kewajiban dan
penarikan (run-off rate) atau nilai penarikan (run-off rate) atau nilai penarikan (run-off rate) atau nilai penarikan (run-off rate) atau nilai
Komponen / Component komitmen/ komitmen/ Komponen / Component komitmen/ komitmen/
tagihan kontraktual dikalikan tagihan kontraktual dikalikan tagihan kontraktual dikalikan tagihan kontraktual dikalikan
nilai tagihan nilai tagihan nilai tagihan nilai tagihan
tingkat tingkat tingkat tingkat
kontraktual kontraktual kontraktual kontraktual
penerimaan (inflow rate) penerimaan (inflow rate) penerimaan (inflow rate) penerimaan (inflow rate)
The outstanding The outstanding The outstanding The outstanding
The valueof HQLA after a haircut, The valueof HQLA after a haircut, The valueof HQLA after a haircut, The valueof HQLA after a haircut,
value of value of value of value of
outstanding outstanding outstanding outstanding
obligations and obligations and obligations and obligations and
liabilities and commitments are liabilities and commitments are liabilities and commitments are liabilities and commitments are
commitments/ commitments/ commitments/ commitments/
multiplied by the run-off rate or the multiplied by the run-off rate or the multiplied by the run-off rate or the multiplied by the run-off rate or the
contractual contractual contractual contractual
value of contractual claims times value of contractual claims times value of contractual claims times value of contractual claims times
invoice value invoice value invoice value invoice value
the the the the
inflow rate inflow rate inflow rate inflow rate
HIGH QUALITY LIQUID ASSET (HQLA) / HIGH QUALITY LIQUID ASSET (HQLA) g. Arus kas keluar kontraktual lainnya
Other contractual cash outflows
- - - -
1. Total High Quality Liquid Asset (HQLA)
TotalHigh Quality Liquid Asset (HQLA)
- 2.556.004 - 2.127.697
6. Total Arus Kas Keluar
Cash Out Flow
- 212.218 - 177.716
ARUS KAS KELUAR (CASH OUTFLOW) / CASH OUTFLOW
Arus Kas Masuk / Cash Inflow
2. Simpanan nasabah perorangan dan
Pendanaan yang berasal dari nasabah 7. Pinjaman dengan agunan Secured
Usaha Mikro dan Usaha Kecil, terdiri dari: Lending - - - -
Deposits from individual customers and
- - - -
Loans with collateral Secured lending
funding originating from Micro and Small
Business customers, consisting of: 8. Tagihan berasal dar pihak lawan
(counterparty) - 39.300 - 34.304
a. Simpanan/Pendanaan stabil Bills from the counterparty
Stable Deposits/Fundings
- 1.550 - 1.263
9. Arus kas masuk lainnya
b. Simpanan/Pendanaan kurang stabil Other cash inflows
- 4.583 - 3.997
Less stable Deposits/Fundings
- 207.064 - 172.225
10. Total arus kas masuk (Cash Inflow)
3. Pendanaan yang berasal dari nasabah Total Cash Inflow (Cash Inflow)
- 43.883 - 38.300
korporasi, terdiri dari:
Funding originating from corporate
- - - - 11. Total HQLA
Total HQLA
- 2.556.004 - 2.127.697
customers consisting of:
a. Simpanan operasional 12. Total arus kas keluar bersih (Net Cash
Operational savings
- - - - Outflow) - 168.335 - 139.416
Total Net Cash Outflows
b. Simpanan non-operasional dan/ atau
kewajiban lainnya yang bersifat 13. LCR (%) - 1518.40 - 1526.15
Non-operasional / Non-operational - - - -
deposits and/or other liabilities of a
non-operational nature
c. Surat berharga berupa surat utang
yang diterbitkan oleh bank
Securities in theform of debt
- - - -
securities issued by the bank
4. Pendanaan dengan agunan (secured Kondisi likuiditas PT Bank of India Indonesia Tbk Kondisi likuiditas PT Bank of India Indonesia Tbk
funding) - - - - LCR Bank pada tanggal 31 Desember 2024 adalah sebesar The Bank’s LCR as of December 31, 2024 was 1526.15%, an
Secured funding
1526.15% mengalami kenaikan dibandingkan posisi 30 increase compared to the position on September 30, 2024 of
5. Arus kas keluar lainnya (additional
requirement), terdiri dari: September 2024 sebesar 1518.40%. 1518.40%.
Cash outflow Additional Requirements,
- - - -
including of:
Kenaikan nilai LCR disebabkan oleh penurunan total arus kas The increase in LCR value was due to a decrease in total cash
a. Arus kas keluar atas transaksi derivatif
Cash outflow from derivative - 3.605 - 4.228
masuk sebesar Rp5.582,71. Pada posisi 31 Desember 2024, total inflows of Rp5,582.71. As of December 31, 2024, the total cash
transactions arus kas masuk tercatat sebesar Rp38.300 juta, lebih rendah inflow was recorded at Rp38,300 million, lower than the position
b. Arus kas keluar atas peningkatan dibandingkan dengan posisi 30 September 2024 yang mencapai on September 30, 2024 which reached Rp43,883 million. In
kebutuhan likuiditas
- - - - Rp43.883 juta. Selain itu, kenaikan nilai LCR juga dipengaruhi addition, the increase in LCR value was also influenced by a
Cash outflow forincreased liquidity
requirements oleh penurunan total HQLA sebesar Rp428.307,42. Pada posisi decrease in total HQLA of Rp428,307.42. As of December 31,
c. Arus kas keluar atas kehilangan 31 Desember 2024, total HQLA tercatat sebesar Rp2.127.697 2024, total HQLA was recorded at Rp2,127,697 million, lower
pendanaan - - - - juta, lebih rendah dibandingkan dengan posisi 30 September than the position on September 30, 2024 which reached Rp
Cash outflow for loss of funding
2024 yang mencapai Rp2.556.004 juta. Rp2,556,004 million.
d. Arus kas keluar atas penarikan
komitmen fasilitas kredit dan fasilitas
Likuiditas / cash outflow on - - - -
withdrawal of committed credit
facilities and liquidity facilities
e. Arus kas keluar atas kewajiban
kontraktual lainnya terkait penyaluran
Dana / cash outflow for other - - - -
contractual obligations related to
distribution of funds
f. Arus kas keluar atas kewajiban
kontijensi pendanaan lainnya
Cash outflow for other contingent
- - - -
financing obligations
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PERHITUNGAN RISIKO OPERASIONAL
OPERATIONAL RISK CALCULATION
31 Desember 2024 31 Desember 2023
Pendekatan Yang Digunakan December 31, 2024 December 31, 2023
Approach Applied
Modal Minimum Risiko Operasional (MMRO) ATMR Modal Minimum Risiko Operasional (MMRO) ATMR
Operational Risk Minimum Capital Requirement ATMR Operational Risk Minimum Capital Requirement ATMR
Pendekatan Indikator Dasar
15.294 191.180,63 13.310 166.371
Basic Indicator Approach
RASIO PENDANAAN STABIL BERSIH
NET STABLE FUNDING RATIO
31 Desember 2023 / December 31, 2023 31 Desember 2024 / December 31, 2024
Nilai Tercatat Berdasarkan Sisa Jangka Waktu (Dalam Juta Rupiah) Nilai Tercatat Berdasarkan Sisa Jangka Waktu (Dalam Juta Rupiah)
Carrying Value Based on Remaining Term (In Million Rupiah) Carrying Value Based on Remaining Term (In Million Rupiah)
Kategori Portofolio / Portfolio Category Total Nilai Total Nilai
Tertimbang Tertimbang
Total Weighted Total Weighted
Tanpa Jangka Waktu1 < 6 bulan ≥ 6 bulan - < 1 tahun ≥ 1 tahun Value Tanpa Jangka Waktu1 < 6 bulan ≥ 6 bulan - < 1 tahun ≥ 1 tahun Value
No Period 1 < 6 months ≥ 6 months - < 1 year ≥ 1 year No Period 1 < 6 months ≥ 6 months - < 1 year ≥ 1 year
Modal :
Capital : 3.430.578 - - - 3.430.578 3.461.067 - - - 3.461.067
Modal sesuai POJK KPMM
Capital according to POJK KPMM 3.430.578 - - - 3.430.578 3.461.067 - - - 3.461.067
Instrumen modal lainnya
Other capital instruments - - - - - - - - - -
Simpanan yang berasal dari nasabah perorangan dan pendanaan yang berasal dari
nasabah usaha mikro dan usaha kecil:
Deposits originating from individual customers and funding from micro and small 421.847 1.682.628 173.001 6.071 2.057.189 398.018 1.796.025 149.475 6.436 2.117.004
business customers:
Simpanan dan pendanaan stabil
Stable deposits and fundings 8.934 15.733 3.123 - 26.401 10.964 13.314 3.764 - 26.640
Simpanan dan pendanaan kurang stabil
Less stable deposits and fundings 412.913 1.666.895 169.878 6.071 2.030.788 387.054 1.782.711 145.711 6.436 2.090.364
Pendanaan yang berasal dari nasabah korporasi:
Funding originating from corporate customers: 222.085 518.223 126.444 - 322.334 179.961 692.380 89.709 - 286.427
Simpanan operasional
Operational savings - - - - - - - - - -
Pendanaan lainnya yang berasal dari nasabah korporasi
Other funding originating from corporate customers 222.085 518.223 126.444 - 322.334 179.961 692.380 89.709 - 286.427
Liabilitas yang memiliki pasangan aset yang saling bergantung
Liabilities that have interdependent pairs of assets - - - - - - - - - -
Liabilitas dan ekuitas lainnya :
Other liabilities and equity: 61.766 167 - - - 69.463 2.204
NSFR liabilitas derivatif
NSFR derivative liability - - - 167.00 - - - - 2.204 -
Ekuitas dan liabilitas lainnya yang tidak masuk dalam kategori diatas
Equity and other liabilities that are not included in the above categories 61.766 - - - - 69.463 - - - -
Total ASF
Total ASF - - - - 5.810.100 - - - - 5.864.498
Total HQLA dalam rangka perhitungan NSFR
Total HQLA in the framework of calculating the NSFR - - - - - - - - - -
Simpanan pada lembaga keuangan lain untuk tujuan operasional
Deposits in other financial institutions for operational purposes 10.795 - - - 5.398 7.270 - - - 3.635
Pinjaman dengan kategori Lancar dan Dalam Perhatian Khusus (performing)
Loans categorized as Current and Special Mention (performing) - 1.820.619 2.677.945 1.396.102 2.246.487 - 3.520.116 1.082.244 1.503.815 2.396.677
Kepada lembaga keuangan yang dijamin dengan HQLA Level 1
To financial institutions guaranteed by HQLA Level 1 - - - - - - - - - -
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RASIO PENDANAAN STABIL BERSIH
NET STABLE FUNDING RATIO
31 Desember 2023 / December 31, 2023 31 Desember 2024 / December 31, 2024
Nilai Tercatat Berdasarkan Sisa Jangka Waktu (Dalam Juta Rupiah) Nilai Tercatat Berdasarkan Sisa Jangka Waktu (Dalam Juta Rupiah)
Carrying Value Based on Remaining Term (In Million Rupiah) Carrying Value Based on Remaining Term (In Million Rupiah)
Kategori Portofolio / Portfolio Category Total Nilai Total Nilai
Tertimbang Tertimbang
Total Weighted Total Weighted
Tanpa Jangka Waktu1 < 6 bulan ≥ 6 bulan - < 1 tahun ≥ 1 tahun Value Tanpa Jangka Waktu1 < 6 bulan ≥ 6 bulan - < 1 tahun ≥ 1 tahun Value
No Period 1 < 6 months ≥ 6 months - < 1 year ≥ 1 year No Period 1 < 6 months ≥ 6 months - < 1 year ≥ 1 year
Kepada lembaga keuangan yang dijamin bukan dengan HQLA Level 1
dan pinjaman kepada lembaga keuangan tanpa jaminan
To financial institutions that are not guaranteed with Level 1 HQLA and - - - - - - - - - -
loans tofinancial institutions without collateral
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 publik, yang
diantaranya:
To non-financial corporations, retail customers and micro and small - 1.771.382 2.564.359 1.355.651 2.138.782 - 3.411.055 1.041.092 1.461.477 2.294.051
business customers, the central government, governments of other
countries, Bank Indonesia, central banks of other countries and public
sector entities, which include:
Memenuhi kualifikasi untuk mendapat bobot risiko 35% atau kurang,
sesuai SE OJK ATMR untuk Risiko Kredit
Meet the qualifications to get a risk weight of 35% or less, according to - 49.237 76.550 12.420 70.967 - 72.037 40.957 16.868 67.461
the SE OJK ATMR for Credit Risk
Kredit beragun rumah tinggal yang tidak sedang dijaminkan, yang
diantaranya :
Residential mortgage backed loans that are not being guaranteed, which - - - - - - - - - -
include:
Memenuhi kualifikasi untuk mendapat bobot risiko 35% atau kurang,
sesuai SE OJK ATMR untuk Risiko Kredit
Meet the qualifications to get a risk weight of 35% or less, according to - - 36 28.031 18.238 - 24 195 25.470 16.665
the SE OJK ATMR for Credit Risk
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
Securities categorized as Current and Substandard (performing) that - - 37.000 - 18.500 - 37.000 - - 18.500
are not being pledged as collateral, have not defaulted on, and are not
included as HQLA, including shares traded on the exchange
Aset yang memiliki pasangan liabilitas yang saling bergantung
Assets that have interdependent pairs of liabilities - - - - - - - - - -
Aset lainnya :
Other assets : 318.439 62.376 - 119.274 344.399 317.316 30.101 - 115.492 308.237
Komoditas fisik yang yang diperdagangkan, termasuk emas
Physical commodities that are 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)
Cash, marketable securities and other assets recorded as initial margin - - - - - - - - - -
for derivative contracts and cash or other assets submitted as default
funds to the central counterparty (CCP)
NSFR aset derivatif
NSFR derivative assets - - - 50 50 - - - 1.350 1.350
NSFR liabilitas derivatif sebelum dikurangi dengan variation margin
NSFR of derivative payable before deducting with variation margin - - - - - - - - - -
Seluruh aset lainnya yang tidak masuk dalam kategori diatas
All other assets that are not included in the above categories 318.439 62.326 - 119.274 344.349 317.316 28.751 - 115.492 306.887
Rekening Administratif
Administrative Account - - - 274.587 13.729 - - - 250.613 12.531
Total RSF
Total RSF - - - - 2.610.013 - - - - 2.721.080
Rasio Pendanaan Stabil Bersih (Net Stable Funding Ratio (%))
Net Stable Funding Ratio (%) - - - - 222.61 - - - - 215.52
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ANALISIS PERKEMBANGAN NSFR
(Efektif (%) per tahun)
(Effective (%) per year)
NSFR DEVELOPMENT ANALYSIS Suku Bunga Dasar Kredit Rupiah (Prime Lending Rate)
Prime Lending Rate
Analisis Secara Individu Individual Analysis Berdasarkan Jenis Kredit / Based on Credit Type
Komponen
Component Kredit Non UMKM Kredit UMKM
Non-UMKM Credit UMKM Credit Non-
Faktor utama yang mempengaruhi Rasio Pendanaan Stabil The main factors affecting the published NSFR: KPR KPR
Korporasi Mikro KPR Non-
Bersih (Net Stable Funding Ratio/NSFR) yang dipublikasikan : / Ritel / Menengah Kecil / / KPR
Retail / Medium Small
Corporate Micro
Pendanaan stabil yang tersedia (Available Stable Funding/ ASF increased by Rp54.40 billion, while RSF increased by Rp111.07 2.6. Beban Tenaga Kerja / Labour Costs 0,91 0,91 0,91 0,91 0,91 0,91 0,91
ASF) mengalami kenaikan sebesar Rp54,40 miliar sedangkan billion, resulting in a 7.09% decrease in NSFR to 215.52%. 2.7. Beban Promosi / Promotion Expenses 0,01 0,01 0,01 0,01 0,01 0,01 0,01
RSF mengalami kenaikan sebesar Rp111,07 miliar 2.7.1. Beban Promosi selain Hadiah dan Iklan dan Promosi / - - - - - - -
yang mengakibatkan nilai NSFR mengalami penurunan Promotional Expenses excluding Gifts and Advertisements/Promotions
sebesar 7,09% secara persentase menjadi 215,52%. 2.7.2. Hadiah / Gifts - - - - - - -
2.7.3. Iklan dan Promosi / Advertisements and Promotions 0,01 0,01 0,01 0,01 0,01 0,01 0,01
Faktor yang menyebabkan penurunan atau kenaikan NSFR Factors contributing to the increase or decrease in NSFR: 2.8. Kerugian Penjabaran Transaksi Valuta Asing / Foreign Exchange Transaction Losses - - - - - - -
Di sisi ASF yang terdapat kenaikan Modal sebesar 30,49 On the ASF side, there was an increase in capital by Rp30.49 2.9. Beban Lainnya / Other Expenses 1,16 1,16 1,16 1,16 1,16 1,16 1,16
miliar, kenaikan Simpanan nasabah perorangan dan nasabah billion, a increase in individual and micro and small business
2.99. Biaya Overhead Lainnya / Other Overhead Costs - - - - - - -
usaha mikro dan usaha kecil sebesar Rp59,81 miliar, dan dari deposits by Rp59.81 billion, and a decrease in corporate
Marjin Keuntungan (Profit Margin) / Profit Margin 2,61 3,61 3,61 3,61 3,61 3,61 3,61
nasabah korporasi mengalami penurunan Rp35,91 miliar. customer deposits by Rp35.91 billion. On the RSF side,
Suku Bunga Dasar Kredit (SBDK) (1+2+3) / Basic Lending Rate (SBDK) (1+2+3) 10,00 11,00 11,00 11,00 11,00 11,00 11,00
Di sisi RSF simpanan pada lembaga keuangan lain tujuan deposits in other financial institutions for operational purposes
untuk operasional mengalami penurunan Rp1,76 miliar dan decreased by Rp1.76 billion, performing loans increased by Estimasi Premi Risiko / Risk Premium Estimation 2,19 0,22 0,25 0,04 0,02 0,02 -
Pinjaman kategori performing mengalami kenaikan Rp150,19 Rp150.19 billion, other assets decreased by Rp36.16 billion, 5.1. Estimasi Premi Risiko Kredit / Credit Risk Premium Estimation 2,19 0,22 0,25 0,04 0,02 0,02 -
miliar, Aset lainnya mengalami penurunan Rp36,16 miliar dan and administrative accounts decreased by Rp1.19 billion. 5.99. Estimasi Premi Risiko Tidak Terkait Risiko Kredit / Non-Credit Risk Premium Estimation - - - - - - -
Rekening Administratif mengalami penurunan Rp 1,19 miliar. Suku Bunga Kredit (SBDK + Estimasi Premi Risiko) / Lending Interest Rate (SBDK + Risk Premium Estimation) 12,19 11,22 11,25 11,04 11,02 11,02 11,00
Rata-Rata Suku Bunga Kredit Realisasi / Average Realised Lending Interest Rate 9,16 11,00 11,00 11,00 6,58 - 7,50
Komposisi aset dan liabilitas yang saling bergantung. The composition of assets and liabilities is interdependent.
(Efektif (%) per tahun)
(Effective (%) per year)
LAPORAN SUKU BUNGA DASAR KREDIT Suku Bunga Dasar Kredit Rupiah (Prime Lending Rate)
PRIME LENDING RATE Prime Lending Rate
Berdasarkan Jenis Kredit / Based on Credit Type
Periode Laporan
PERIODE 31 DESEMBER 2024 Report Period
AS OF DECEMBER 31, 2024 (Efektif (%) per tahun)
Kredit Non UMKM Kredit UMKM
Non-UMKM Credit UMKM Credit
(Effective (%) per year) KPR Non-KPR
KPR Non-KPR
Korporasi /
Suku Bunga Dasar Kredit Rupiah (Prime Lending Rate) Ritel / Retail Menengah / Medium Kecil / Small Mikro / Micro
Corporate
Prime Lending Rate
1. Triwulan I 2024 / Quarter I 2024 9,70 9,70 9,70 9,70 9,70 9,70 9,70
Berdasarkan Jenis Kredit / Based on Credit Type
Komponen 2. Triwulan II 2024 / Quarter II 2024 9,70 10,70 10,70 10,70 10,70 10,70 10,70
Component Kredit Non UMKM Kredit UMKM
Non-UMKM Credit UMKM Credit Non-
KPR KPR 3. Triwulan III 2024 / Quarter III 2024 10,00 11,00 11,00 11,00 11,00 11,00 11,00
Korporasi Mikro KPR Non-
Ritel / Menengah Kecil / KPR 4. Triwulan IV 2024 / Quarter IV 2024 10,00 11,00 11,00 11,00 11,00 11,00 11,00
/ /
Retail / Medium Small
Corporate Micro
Harga Pokok Dana untuk Kredit (HPDK) / Cost of Funds for Credit (HPDK) 4,97 4,97 4,97 4,97 4,97 4,97 4,97
Pengungkapan Kualitatif
Qualitative Disclosure
1.1. Biaya Dana / Cost of Funds 4,97 4,97 4,97 4,97 4,97 4,97 4,97
1.1.1. Biaya Dana Pihak Ketiga / Third-Party Cost of Funds 4,97 4,97 4,97 4,97 4,97 4,97 4,97 Kategori Definisi Kategori Kredit Indikator/Kriteria dari Kategori Kredit
Category Credit Category Definition Credit Category Indicator/Criteria
1.1.1.1. Biaya Dana Pihak Ketiga selain Biaya Giro Wajib Minimum dan Premi Lembaga Penjamin Simpanan / 4,52 4,52 4,52 4,52 4,52 4,52 4,52
Third-Party Cost of Funds excluding Minimum Reserve Requirement and Deposit Insurance Premium
Korporasi / Corporate Kredit yang diberikan ke ke badan usaha atau perusahaan non Hasil penjualan tahunan > Rp50 miliar dan plafon kredit > Rp10
1.1.1.2. Biaya Giro Wajib Minimum / Minimum Reserve Requirement Cost 0,25 0,25 0,25 0,25 0,25 0,25 0,25 retail dan non UMKM yang memenuhi kriteria segmen Korporasi miliar.
di Bank. Annual sales > Rp50 billion and capital > Rp10 billion and credit
1.1.1.3. Biaya Premi Lembaga Penjamin Simpanan / Deposit Insurance Premium Cost 0,20 0,20 0,20 0,20 0,20 0,20 0,20 Credit given to business entities or non-retail and non- ceiling >Rp10 billion.
UMKM companies that meet the Bank’s Corporate segment
criteria.
1.1.2. Biaya Dana Bukan Pihak Ketiga / Non-Third-Party Cost of Funds - - - - - - -
Ritel / Retail Kategori Retail secara segmentasi di Bank merujuk kepada Hasil penjualan tahunan > Rp50 miliar dan plafon kredit Rp250
1.1.2.1. Biaya Dana Liabilitas kepada Bank Indonesia / Cost of Fund Liabilities to Bank Indonesia - - - - - - - debitur Non Korporasi dan Non UMKM. juta sampai dengan Rp10 miliar.
The Retail category in the Bank’s segmentation refers to non- Annual sales > Rp50 billion and capital ≤ Rp10 billion, and credit
1.1.2.2. Biaya Dana Liabilitas kepada Bank Lain / Cost of Fund Liabilities to Other Banks - - - - - - - retail and non-MSME companies. ceiling of Rp250 million to Rp10 billion.
1.1.2.3. Biaya Dana Surat Berharga yang Diterbitkan / Cost of Fund from Issued Securities - - - - - - -
1.1.2.4. Biaya Dana Pinjaman yang Diterima / Cost of Fund from Received Loans - - - - - - - Keterangan Description
1.1.2.5. Biaya Dana Liabilitas Lainnya / Other Cost of Fund Liabilities - - - - - - - a. Suku Bunga Dasar Kredit (SBDK) ditentukan Bank a. The Basic Loan Interest Rate (SBDK) is determined by the
1.99. HPDK Lainnya / Other HPDK - - - - - - - berdasarkan berbagai faktor, diantaranya suku bunga acuan Bank based on various factors, including reference interest
Biaya Overhead / Overhead Costs 2,42 2,42 2,42 2,42 2,42 2,42 2,42 yang ditetapkan oleh otoritas yang berwenang, harga pokok rate set by relevant authorities, the cost of funds, overhead
2.1. Peningkatan Nilai Wajar Liabilitas Keuangan / Increase in Fair Value of Financial Liabilities - - - - - - -
dana untuk kredit (cost of fund), biaya overhead, margin costs, profit margin, and development of economic
keuntungan, dan perkembangan kondisi ekonomi. conditions.
2.2. Kerugian terkait Risiko Operasional / Losses Related to Operational Risk - - - - - - -
b. SBDK belum memperhitungkan komponen estimasi premi b. The non-mortgage consumer credit does not include the
2.3. Komisi/Provisi/Fee dan Administrasi / Commission/Provision/Fees and Administration 0,05 0,05 0,05 0,05 0,05 0,05 0,05
risiko yang besarnya tergantung dari penilaian BUK terhadap distribution of funds through credit cards and unsecured
2.4. Penyusutan/Amortisasi / Depreciation/Amortisation 0,14 0,14 0,14 0,14 0,14 0,14 0,14
risiko untuk masing-masing debitur atau kelompok debitur. credit (KTA);
2.5. Kerugian Penurunan Nilai Aset Lainnya (Nonkeuangan) / Losses from Impairment of Other Assets (Non-Financial) 0,15 0,15 0,15 0,15 0,15 0,15 0,15 c. Informasi SBDK yang berlaku setiap saat dapat dilihat pada c. SBDK has not yet taken into account the estimated risk
publikasi di setiap kantor Bank dan/ atau situs website Bank premium component in which the amount is based on the
(www.boiindonesia.co.id). assessment of BUK for each debtor or group of debtors.
PT BANK OF INDIA INDONESIA Tbk PT BANK OF INDIA INDONESIA Tbk
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Lampiran
Annexures
ASET TERIKAT (ENCUMBRANCE - ENC) SUMBER DAYA MANUSIA
ENCUMBRANCE - ENC HUMAN RESOURCES
A B C D Tabel Komposisi Karyawan Menurut Jenjang Jabatan / Employees Composition Referring to Positions Table
Uraian / Description Aset yang disimpan atau diperjanjikan dengan
Aset Terikat Aset Tidak Terikat
Encumbered
Assets
bank sentral namun belum digunakan untuk
menghasilkan likuiditas Unencumbered
Assets
Total
Total
Berdasarkan Jenjang Jabatan / Position Level 2024 2023
Optional Central Bank Facilities
Jabatan / Position Jumlah / Total Persentase / Percentage (%) Jumlah / Total Persentase / Percentage (%)
Aset-aset dalam laporan posisi keuangan dapat
disajikan terperinci sepanjang dibutuhkan. Direksi / Directors 4 1,77 5 2,17
The assets on the balance sheet would be - - - -
disaggregated there can be as much disaggregation
as desired.
Manajer / Manager 18 7,96 18 7,89
Supervisor / Supervisors 49 21,68 44 19,13
MANAJEMEN RISIKO LIKUIDITAS Staf / Staffs 129 57,08 134 58,26
LIQUIDITY RISK MANAGEMENT Non-Staf / Non-Staffs 26 11,50 29 12,61
TOTAL 226 100,00 230 100,00
Indikator / Indicator Keterangan*) / Description*)
Berikut adalah contoh elemen yang mungkin dipilih oleh bank untuk dijelaskan, jika relevan: Tabel Komposisi Direksi dan Karyawan Menurut Jenjang Pendidikan / Employees Composition Referring to Education Table
-
The following are examples of elements the bank might choose to explain, if relevant:
Tata kelola pengelolaan risiko likuiditas, termasuk: toleransi risiko; struktur dan tanggung jawab pengelolaan risiko likuiditas; pelaporan likuiditas internal;
Berdasarkan Pendidikan / Education Level 2024 2023
dan komunikasi strategi, kebijakan dan praktik risiko likuiditas di seluruh lini bisnis dan dengan direksi. Pendidikan / Education Jumlah / Total Persentase / Percentage (%) Jumlah / Total Persentase / Percentage (%)
-
Liquidity risk management, including: risk tolerance; liquidity risk management structure and responsibilities; internal liquidity reporting; and
communication of liquidity risk strategies, policies and practices across business lines and with the board of directors. S3 / Doctoral Degree 1 0,44 1 0,43
Strategi pendanaan, termasuk kebijakan sumber diversifikasi dan tenor pendanaan, dan apakah strategi pendanaannya terpusat atau terdesentralisasi. S2 / Master Degree 11 4,87 9 3,91
-
The funding strategy, including the policy of diversification sources and funding tenors, and whether the funding strategy is centralized or decentralized.
S1 / Bachelor Degree 145 64,16 147 63,91
Teknik mitigasi risiko likuiditas.
- D1,D2,D3 / Diploma 23 10,18 24 10,43
Liquidity risk mitigation techniques.
SMA/SMK / High School 42 18,58 44 19,13
Penjelasan tentang bagaimana stress-test digunakan.
-
A description of how the stress-test is used.
SMP / Junior High School 4 1,77 4 1,74
Garis besar rencana pendanaan mendesak bank. SD / Elementary School - - 1 0,43
-
Outline of urgent funding plan for the bank.
TOTAL 226 100,00 230 100,00
Pengungkapan kualitatif
-
Qualitative disclosure.
Tabel Komposisi Direksi dan Karyawan Menurut Jenjang Usia / Employees Composition Referring to Ages
Alat ukur atau metrik yang disesuaikan yang menilai struktur neraca bank atau arus kas proyeksi dan posisi likuiditas masa depan, dengan
memperhitungkan risiko transaksi rekening administratif yang khusus untuk Bank tersebut.
A measuring instrument or customized metric that assesses a bank’s balance sheet structure or projected cash flows and its future liquidity position,
- Berdasarkan Usia / Age Group 2024 2023
taking into account the risk of off-balance sheet transactions that are specific to that Bank.
Usia / Ages Jumlah / Total Persentase / Percentage (%) Jumlah / Total Persentase / Percentage (%)
Batas konsentrasi pada kumpulan agunan dan sumber pendanaan (baik produk dan rekanan).
- S/D 30 / S/D 30 43 19,03 46 20,00
The concentration limit on the collateral pool and funding sources (both products and partners).
31-40 / 31-40 61 26,99 59 25,65
Eksposur likuiditas dan kebutuhan pendanaan pada tingkat badan hukum perorangan, cabang asing dan anak perusahaan, dengan mempertimbangkan
batasan hukum, peraturan dan operasional mengenai kemampuan transfer likuiditas. 41-60 / 41-60 121 53,54 123 53,48
-
Liquidity exposure and funding requirements at the level of individual legal entities, foreign branches and subsidiaries, taking into account legal, regulatory
and operational limitations regarding liquidity transfer capability. > 60 / > 60 1 0,44 2 0,87
Laporan posisi keuangan dan item di transaksi rekening administratif yang dipecah menjadi “buckets” jatuh tempo dan selisih likuiditas yang dihasilkan. TOTAL 226 100,00 230 100,00
The statement of financial position and items in off-balance sheet transactions are broken down into maturing buckets and the resulting difference in -
liquidity.
Tabel Komposisi Berdasarkan Jenis Kelamin / Composition Gender
REMUNERASI YANG DIBERIKAN DALAM 1 TAHUN Berdasarkan Jenis Kelamin / Gender 2024 2023
REMUNERATION GIVEN IN 1 YEAR Jenis Kelamin / Gender Jumlah / Total Persentase / Percentage (%) Jumlah / Total Persentase / Percentage (%)
Rincian Jumlah Remunerasi yang Diberikan dalam 1 tahun Pria / Male 120 53,10 123 53,48
2024 2023
Details of the Amount of Remuneration Given in 1 year
Wanita / Female 106 46,90 107 46,52
A. Remunerasi yang Bersifat Tetap / A. Permanent Remuneration
1. Tunai / Cash 54.456 48.132 TOTAL 226 100,00 230 100,00
2. Saham / instrumen yang berbasis saham yang diterbitkan Bank - -
Stock-based shares/instruments issued by the Bank
B. Remunerasi yang Bersifat Variabel / B. Permanent Remuneration
1. Tunai / Cash - -
2. Saham / instrumen yang berbasis saham yang diterbitkan Bank - -
Stock-based shares/instruments issued by the Bank
PT BANK OF INDIA INDONESIA Tbk PT BANK OF INDIA INDONESIA Tbk
260 Laporan Tahunan 2024 Annual Report 2024 261
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SURAT PERNYATAAN ANGGOTA DIREKSI DAN ANGGOTA DEWAN KOMISARIS TENTANG
TANGGUNG JAWAB ATAS LAPORAN TAHUNAN 2024 PT BANK OF INDIA INDONESIA TBK
STATEMENT OF MEMBERS OF THE BOARD OF DIRECTORS AND THE BOARD OF COMMISSIONERS
REGARDING RESPONSIBILITY FOR THE 2024 ANNUAL REPORT OF
PT BANK OF INDIA INDONESIA TBK
Kami yang bertanda tangan di bawah ini menyatakan bahwa We hereby state that all information contained herein has
semua informasi dalam Laporan Tahunan PT Bank of India been fully disclosed in this 2024 Annual Report of PT Bank
Indonesia Tbk tahun 2024 telah dimuat secara lengkap dan of India Indonesia Tbk and we are solely responsible for the
bertanggung jawab penuh atas kebenaran isi Laporan Tahunan. accuracy of the content.
Demikian pernyataan ini dibuat dengan sebenarnya. The Declaration has been made truthfully.
Jakarta, April 2025 Jakarta, April 2025
DEWAN KOMISARIS
BOARD OF COMMISSIONERS
SUDHIRANJAN PADHI HANDADJAJA SULAIMAN LUNGGUK GULTOM
Komisaris Utama Komisaris Independen Komisaris Independen
President Commissioner Independent Commissioner Independent Commissioner
DIREKSI
BOARD OF DIRECTORS
JAYAPRAKASH BHARATHAN CAROLINA DINA RUSDIANA
Direktur Utama Direktur Operasional
President Director Operational Director
CHANDRA SEKHAR MUKHERJEE DENNIS KUSUMA HALIM
Direktur Bisnis Direktur Kepatuhan
Business Director Compliance Director
RAHMAT HENDRATAMA*)
Direktur Keuangan
Finance Director
*) Efektif pada tanggal 17 Maret 2025
*) Effective as of March 17, 2025
Page 133
2024 LAPORAN KEBERLANJUTAN SUSTAINABILITY REPORT
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Strategi Keberlanjutan
Sustainability Strategy
TENTANG LAPORAN KEBERLANJUTAN kebijakan dengan prinsip-prinsip keuangan keberlanjutan. Hal
ini diperkuat dengan komitmen Bank melalui penyusunan target
principles. This commitment is further reinforced by the Bank’s
long-term targets outlined in the Sustainable Finance Action Plan
ABOUT SUSTAINABILITY REPORT jangka panjang dalam Rencana Aksi Keuangan Berkelanjutan (RAKB), which consists of two phases: short-term (1 year) and
(RAKB) yang terdiri dari 2 tahap yaitu jangka pendek (1 tahun) dan long-term (5 years), aligned with the principles of sustainable
Pemerintah Indonesia telah mengadopsi Tujuan Pembangunan The government of Indonesia has adopted SDGs to be jangka panjang (5 tahun) yang telah diselaraskan dengan prinsip finance implementation and long-term strategy.
Berkelanjutan (TPB) sebagai komitmen nasional dalam upaya implemented nationwide to improve the community’s welfare. yang digunakan untuk menerapkan keuangan berkelanjutan dan
menyejahterakan masyarakat. Upaya pencapaian target TPB SDGs implementation becomes a national development strategi jangka panjang.
menjadi prioritas pembangunan nasional dalam perencanaan priority in medium and long term development planning. The
pembangunan baik jangka menengah maupun jangka panjang, implementation requires the involvement of all parties, including Penerapan strategi keberlanjutan dilakukan secara bertahap The implementation of sustainability strategies is carried out
untuk melaksanakannya memerlukan keterlibatan semua pihak the private sector and the community. sesuai dengan perkembangan dan arahan dari regulator. in stages in accordance with developments and guidance from
termasuk swasta dan masyarakat. Tonggak-tonggak penting pelaksanaan keuangan berkelanjutan regulators. The key milestones in the execution of sustainable
di Bank digambarkan sebagai berikut : finance at the Bank are illustrated as follow:
Lebih lanjut, peran lembaga jasa keuangan di Indonesia melalui Furthermore, the Financial Services Authority (OJK) as financial
Otoritas Jasa Keuangan (OJK) terhadap kontribusipencapaian service institutions in Indonesia contributes to the SDGs
TPB diwujudkan melalui penerbitan Peraturan OJK No. 51/ achievement through the issuance of OJK Regulation No. 51/ 1. Meningkatkan kompetensi dan keterampilan sumber daya 1. Improve the competence and human resource skills in the
POJK.03/2017 tentang Penerapan Keuangan Berkelanjutan. POJK.03/2017 on the Implementation of Sustainable Finance. manusia dalam penerapan Keuangan Berkelanjutan yang implementation of Sustainable Finance that is aligned with
Ketentuan ini mendorong lembaga jasa keuangan memberikan This provision encourages the financial services institution selaras dengan strategi bisnis Bank; the Bank’s business strategy;
dukungan menyeluruh dari industri jasa keuangan untuk from the financial services industry to give the comprehensive 2. Mengembangkan produk dan/atau jasa keuangan yang 2. Developing financial products and/or services that apply
pertumbuhan berkelanjutan yang dihasilkan dari keselarasan support for sustainable growth, as the result of synergy between menerapkan prinsip Keuangan Berkelanjutan kepada Sustainable Finance principles to the community;
antara kepentingan ekonomi, sosial, dan lingkungan hidup. economic, social, and environmental interests. masyarakat;
3. Mengoptimalkan penyaluran kredit yang prudent untuk 3. Optimizing prudent lending to increase the Bank’s profit
Dalam rangka menindaklanjuti komitmen nasional dan POJK In order to follow up on the national commitment and the meningkatkan profit Bank melalui kredit investasi dan through investment loans and working capital loans in the
tersebut, Bank of India Indonesia Tbk (“Bank”) memberikan relevant POJK, PT Bank of India Indonesia Tbk (“Bank”) provides kredit modal kerja di sektor Kredit UMKM berwawasan environmentally focused MSME Credit sector;
dukungan dan kontribusi untuk menciptakan perekonomian support and contributes to creating a sustainable economy lingkungan;
yang berkelanjutan melalui penyediaan layanan dan kegiatan- through the provision of services and supporting activities 4. Menjalin kemitraan dengan pihak lain baik dalam 4. Establishing partnerships with other parties both in
kegiatan pendukung program keuangan berkelanjutan. Bank for sustainable finance programs. The Bank has adjusted and pengembangan kapasitas dan keterampilan sumber daya developing the capacity and skills of human resources as
telah melakukan penyesuaian dan keselarasan Visi/Misi dan aligned its Vision/Mission and policies with sustainable finance manusia maupun pengembangan produk dan/atau layanan well as developing Sustainable Finance products and/or
jasa Keuangan Berkelanjutan. services.
PT BANK OF INDIA INDONESIA Tbk PT BANK OF INDIA INDONESIA Tbk
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01 STRATEGI KEBERLANJUTAN Sustainability Strategy
Page 136
Strategi Keberlanjutan
Sustainability Strategy
RINGKASAN EKSEKUTIF mengedepankan keselarasan antara aspek ekonomi, sosial, dan
lingkungan hidup, di mana masing-masing pencapaian kinerjanya
environmental aspects, with each performance achievement
visible in Chapter 6 on Sustainability Performance.
EXECUTIVE SUMMARY dapat dilihat pada Bab 6 Kinerja Keberlanjutan.
Sesuai strategi keberlanjutan Bank, prioritas utama dalam In line with the Bank’s sustainability strategy, the top priority
Latar Belakang Background mengimplementasikan Keuangan Berkelanjutan yang telah in implementing Sustainable Finance as outlined in the SFAP is
Sesuai ketentuan POJK No. 51/POJK.03/2017 tentang In accordance with the provisions of POJK No. 51/POJK.03/2017 disusun dalam RAKB adalah meningkatkan kompetensi dan to enhance the competencies and skills of Human Resources
Penerapan Keuangan Berkelanjutan bagi Lembaga Jasa concerning the Implementation of Sustainable Finance for keterampilan Sumber Daya Manusia (SDM) di bidang Keuangan (HR) in the field of Sustainable Finance. This will enable the
Keuangan, Emiten, dan Perusahaan Publik, dalam implementasi Financial Service Institutions, Issuers, and Public Companies, in berkelanjutan, sehingga Bank dapat memaksimalkan pencapaian Bank to maximize the achievement of its Sustainability Strategy
Keuangan Berkelanjutan, Bank secara bertahap menyusun dan the implementation of Sustainable Finance, the Bank gradually target implementasi Strategi Keberlanjutan terutama dalam implementation targets, particularly in generating profits while
mengimplementasikan Rencana Aksi Keuangan Berkelanjutan prepares and implements Sustainable Finance which is included memperoleh profit tanpa mengesampingkan keselarasan aspek maintaining a balance between with economic, social, and
(RAKB) yang terdiri dari 2 tahap yaitu jangka pendek (1 tahun) dan in the Sustainable Strategies which consists of 2 stages, namely ekonomi, sosial, dan lingkungan hidup. Dengan demikian, environmental aspects. Consequently, the sustainability of the
jangka panjang (5 tahun) sesuai dengan prinsip yang digunakan short term (1 year) and long term (5 years) in accordance keberlanjutan usaha Bank dapat terus berjalan dan berkontribusi Bank’s business sustainability can be maintained, contributing
untuk menerapkan Keuangan Berkelanjutan, termasuk strategi with the principles used to implement Sustainable Finance, dalam mewujudkan perekonomian nasional yang tumbuh to a stable, inclusive, and sustainable national economy in
untuk merealisasi rencana dan program kerja tersebut sesuai including the strategy to realize the plans and work programs secara stabil, inklusif dan berkelanjutan sesuai program yang accordance with the Government’s initiatives, particularly in the
dengan target dan waktu yang ditetapkan sesuai dengan in accordance with the targets and timelines, while taking into telah dicanangkan oleh Pemerintah khususnya di Sektor Jasa Financial Services Sector.
perkembangan bisnis Bank, dengan tetap memperhatikan account business developments, prudential principles, and risk Keuangan.
pemenuhan prinsip kehati-hatian dan penerapan manajemen management implementation.
risiko. Di tahun 2024, Bank telah menyalurkan kredit di sektor UMKM In 2024, the Bank distributed loans in the SME and
maupun Kegiatan Usaha Berwawasan Lingkungan dengan total environmentally sustainable business sectors totaling Rp220
Tujuan Bank dalam menyusun Rencana Aksi Keuangan The Bank’s objective in formulating the Sustainable Finance sebesar Rp220 miliar atau sebesar 5,32% dari total kredit yang billion, which accounts for 5.32% of the total loans by the Bank.
Berkelanjutan (RAKB) selain memenuhi ketentuan dalam Action Plan (RAKB), aside from complying with the provisions disalurkan Bank.
Peraturan Otoritas Jasa Keuangan (POJK) No. 51/POJK.03/2017 of the Financial Services Authority Regulation (POJK) No. 51/
tentang Penerapan Keuangan Berkelanjutan bagi Lembaga Jasa POJK.03/2017 on the Implementation of Sustainable Finance Dari sisi Regulator, Kategori Kegiatan Usaha Berkelanjutan From the regulatory perspective, the Sustainable Business
Keuangan, Emiten, dan Perusahaan Publik, juga ikut berperan for Financial Institutions, Issuers, and Public Companies, is to (KKUB) telah dikategorikan menjadi 12 (dua belas) kategori yaitu Activities (KKUB) Category has been categorized into 12
dalam meningkatkan kesejahteraan masyarakat melalui contribute to societal welfare through Sustainable Finance sebagai berikut: categories, as follows:
program Keuangan Berkelanjutan dengan tetap menyelaraskan programs while aligning economic, social, and environmental
kepentingan ekonomi, sosial, dan lingkungan hidup, sehingga interests. This ensures that, in addition to generating profit, 1. Energi terbarukan; 1. Renewable energy;
selain memperoleh profit, Bank juga dapat berkontribusi dalam the Bank also plays a role in fostering a stable, inclusive, and 2. Efisiensi energi; 2. Energy efficiency;
mewujudkan perekonomian nasional yang tumbuh secara stabil, sustainable national economy. 3. Pencegahan dan pengendalian polusi; 3. Pollution prevention and control;
inklusif dan berkelanjutan. 4. Pengelolaan sumber daya alam hayati dan penggunaan 4. Sustainable management of natural resources and land use;
lahan yang berkelanjutan;
Seiring dengan perkembangan bisnis Bank, Bank berupaya In line with the Bank’s business growth, the Bank strives to 5. Konservasi keanekaragaman hayati darat dan air; 5. Conservation of terrestrial and aquatic biodiversity;
untuk dapat mensinergikan strategi bisnisnya dengan strategi synergize its business strategy with the Sustainable Finance
6. Transportasi ramah lingkungan; 6. Environmentally friendly transportation;
Keuangan Berkelanjutan yang akan diimplementasikan strategy, which will be implemented with great caution. The
7. Pengelolaan air dan air limbah yang berkelanjutan; 7. Sustainable water and sewage management;
dengan sangat hati-hati. Strategi Keuangan Berkelanjutan Bank’s Sustainable Finance strategy is aligned with its Vision,
8. Adaptasi perubahan iklim; 8. Climate change adaptation;
yang ditentukan Bank mengacu pada Visi, Misi, dan Nilai- Nilai Mission, and Corporate Values. However, in its implementation,
9. Produk yang dapat mengurangi penggunaan sumber daya 9. Products that can reduce resource usage and produce less
Perusahaan. Namun dalam pelaksanaannya, beberapa kendala the Bank has identified several challenges that require further
dan menghasilkan lebih sedikit polusi (eco-efficient); pollution (eco-efficient);
yang menjadi perhatian Bank untuk ditindaklanjuti di tahun 2025 attention and follow-up in 2025, as outlined below:
10. Bangunan berwawasan lingkungan yang memenuhi standar 10. Environmentally conscious buildings that meet nationally,
adalah sebagai berikut:
atau sertifikasi yang diakui secara nasional, regional, atau regionally, or internationally recognized standards or
1. Belum tersedianya Sumber Daya Manusia yang 1. Lack of competent Human Resources to determine the
internasional; certifications;
berkompeten untuk menentukan jenis produk dan/atau types of products and/or services in the field of Sustainable
11. Kegiatan Usaha dan/atau Kegiatan Lain Dari Kegiatan Usaha 11. Business activities and/or other activities of other
layanan jasa di bidang Keuangan Berkelanjutan; Finance;
2. Kesulitan dalam memperoleh data dan informasi yang 2. Difficulty in obtaining relevant data and information about Berwawasan Lingkungan Lainnya; environmentally conscious business activities;
relevan dengan industri perbankan dalam menerapkan the banking industry in implementing sustainable finance; 12. Kegiatan Usaha dan/atau Kegiatan Lain Dari Kegiatan Usaha 12. Business activities and/or other activities of Micro, Small,
keuangan berkelanjutan; Mikro, Kecil, dan Menengah. and Medium enterprises (MSMEs).
3. Kesulitan dalam mencari tenaga ahli dan/atau konsultan 3. Difficulty in finding competent experts and/or consultants
yang berkompeten di bidang Keuangan Berkelanjutan in Sustainable Finance to map the Sustainability Framework Selain itu, Bank selalu berpartisipasi dalam “Survei Korporasi Additionally, the Bank consistently participates in the “Corporate
untuk memetakan Sustainability Framework sesuai dengan in line with the Bank’s business strategy. terkait Environmental, Social dan Governance (ESG) setiap Survey on Environmental, Social and Governance (ESG) conducted
strategi bisnis Bank. tahunnya yang diselenggarakan oleh PT Bursa Efek Indonesia annually by PT Bursa Efek Indonesia (BEI) in collaboration with
4. Membutuhkan waktu dan biaya yang cukup besar; 4. Requires a significant amount of time and cost; (BEI) bekerja sama dengan Mandiri Institute, di mana tujuan Mandiri Institute. The purpose of this activity is to enhance
5. Bank masih fokus dalam menyelesaikan kredit bermasalah 5. The Bank is still focused on resolving non-performing kegiatan ini untuk meningkatkan pemahaman dan implementasi understanding and implementation of Environmental, Social,
dan berupaya menekan agar tidak terjadinya kredit loans and strives to prevent the occurrence of new non- aspek Environment, Social and Governance (ESG/Sustainability). and Governance (ESG/Sustainability) aspects.
bermasalah yang baru. performing loans.
Pencapaian Strategi Keberlanjutan Sustainability Strategy Achievement
Bank telah menyusun dan mengimplementasikan strategi The Bank has developed and implemented a sustainability
keberlanjutan yang ditetapkan pada Rencana Aksi Keuangan strategy outlined in the Sustainable Financial Action Plan (SFAP),
Berkelanjutan (RAKB) dengan memperhatikan prinsip-prinsip taking into account the principles of Sustainable Finance as
Keuangan Berkelanjutan sebagaimana diatur dalam Peraturan regulated in OJK Regulation No. 51/POJK.03/2017 regarding the
OJK Nomor 51/POJK.03/2017 tentang Penerapan Keuangan Implementation of Sustainable Finance for Financial Institutions,
Berkelanjutan Bagi Lembaga Jasa Keuangan, Emiten, dan Issuers, and Public Companies. The Bank’s sustainability strategy
Perusahaan Publik. Strategi keberlanjutan Bank senantiasa consistently prioritizes alignment between economic, social, and
PT BANK OF INDIA INDONESIA Tbk PT BANK OF INDIA INDONESIA Tbk
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Strategi Keberlanjutan
Sustainability Strategy
PROGRAM STRATEGI KEBERLANJUTAN RENCANA 1 TAHUN
SUSTAINABILITY STRATEGY PROGRAM 1 YEAR PLAN
Strategis Bisnis Bank sebagai faktor penentu yang menjadi The Bank’s Business Strategic Plan serves as the determining
Strategi Berkelanjutan Tahun 2024
dasar penetapan tujuan dan prioritas penerapan Rencana factor on which the objectives and priorities for the Sustainable Strategies 2024
Aksi Keuangan Berkelanjutan. Target dalam rencana 5 tahun implementation of the Sustainable Finance Action Plan are set.
Target Kegiatan Prioritas : Pengembangan kapasitas Intern di mana Satuan Kerja terkait ditargetkan telah mengikuti program peningkatan kapasitas intern terkait Keuangan
ke depan yakni menjadi Bank yang memiliki keunggulan lebih The target in the next 5-year plan is to become a Bank that has Berkelanjutan dan menjalin kemitraan dengan tenaga ahli dan/atau Konsultan di Bidang Keuangan Berkelanjutan yang berkompeten dan tersertifikasi.
Priority Activity Target : Internal capacity development, where the targeted work units are expected to have participated in internal capacity improvement programs related
secara peer group dalam meningkatkan nilai bagi para Pemangku a peer group advantage in increasing value for Stakeholders to Sustainable Finance and established partnerships with experts and/or Consultants in the field of Sustainable Finance who are competent and certified.
Kepentingan melalui ketersediaan sumber daya manusia yang through the availability of human resources that are more
lebih mampu mengintegrasikan prinsip keuangan berkelanjutan capable of integrating sustainable finance principles into risk Indikator Keberhasilan : Satuan Kerja Terkait memiliki Kompetensi dan Pengetahuan Dasar dalam merumuskan rencana strategis penerapan Keuangan Berkelanjutan.
Success Indicator : The relevant work units have competence and basic knowledge in formulating strategic plans for the implementation of Sustainable Finance.
ke dalam pengendalian risiko dan tata kelola dalam produk dan control and governance in the Bank’s products and services
layanan Bank yang dihasilkan dan dipasarkan serta kedalam that are produced and marketed as well as into investments
investasi dan proyek yang ditanamkan. Program yang akan and projects invested. The program that will be implemented in
dilaksanakan dalam Strategi Keberlanjutan terdiri dari 2 tahap the Sustainability Strategy consists of 2 stages, the short term (1
yaitu jangka pendek (1 tahun) dan jangka panjang (5 tahun). year) and the long term (5 years).
Jadwal / Schedule
Uraian Aktivitas Tujuan Aktivitas Indikator Pencapaian
Description Objectives Success Indicator
Jan Feb Mar Apr Mei Jun Jul Agus Sep Okt Nov Des
Jan Feb Mar Apr May Jun Jul Aug Sept Oct Nov Dec
Program Peningkatan Kapasitas Intern / Program Peningkatan Kapasitas Intern Program Peningkatan Kapasitas Intern / Program Peningkatan Kapasitas Intern
Mengkinikan jobdesk Satuan Kerja Terkait dalam hal tugas dan Satuan Kerja Terkait memiliki acuan Jobdesk dalam melaksanakan tugas dan wewenang penerapan Jobdesk dari masing-masing Satuan Kerja Terkait
wewenang Penerapan Keuangan Berkelanjutan. Keuangan Berkelanjutan. telah dilengkapi dengan tugas dan wewenang dalam
Updating the job description of the Relevant Work Unit in terms of The Relevant Work Unit has a job description reference for carrying out its duties and authorities in penerapan Keuangan Berkelanjutan dan disahkan melalui
duties and authorities related to the Implementation of Sustainable implementing Sustainable Finance. surat Keputusan Direksi tentang Tugas dan Wewenang
Finance. Tim Penerapan Keuangan Berkelanjutan.
The job descriptions of each Relevant Work Unit
have been supplemented with duties and authorities
related to the implementation of Sustainable Finance
and formalized through a Board of Directors’ Decree
regarding the Duties and Authorities of the Sustainable
Finance Implementation Team.
Mengikutsertakan Satuan Kerja Terkait dalam pelatihan dan/atau Meningkatkan pengetahuan dan/atau pemahaman Satuan Kerja Terkait dalam penerapan Keuangan Satuan Kerja Terkait memiliki kompetensi dasar di Bidang
sosialisasi yang diadakan oleh Regulator. Berkelanjutan. Keuangan Berkelanjutan berdasarkan pelatihan dan/atau
Involving the Relevant Work Unit in training sessions and/or outreach Improving the knowledge and/or understanding of the Relevant Work Unit in the implementation of sosialisasi yang telah diikuti. Insidentil: Sesuai jadwal pelaksanaan pelatihan dan/atau sosialisasi dari Regulator baik
programs conducted by the Regulator. Sustainable Finance. The Relevant Work Unit possesses basic competencies dari OJK, IDX maupun Institusi lainnya.
in the field of Sustainable Finance based on the training Incidental: According to the training and/or socialization schedule from the Regulator, including OJK, IDX, and
sessions and/or outreach programs attended. other institutions.
Menentukan jenis pelatihan Keuangan Berkelanjutan yang relevan Satuan Kerja Terkait dapat mengikuti jenis pelatihan Keuangan Berkelanjutan yang relevan dengan Satuan Kerja Terkait memahami dasar-dasar dan/atau
untuk meningkatkan kapasitas Satuan Kerja Terkait. prioritas program RAKB Bank dalam hal meningkatkan kapasitas Intern. prinsip penerapan Keuangan Berkelanjutan yang dapat
Identifying relevant types of Sustainable Finance training to enhance The Relevant Work Unit may participate in types of Sustainable Finance training that align with the dikembangkan untuk meningkatkan kapasitas intern
the capacity of the Relevant Work Unit. priorities of the Bank’s RAKB program to enhance internal capacity. sesuai program prioritas RAKB.
The Relevant Work Unit understands the fundamentals
and/or principles of implementing Sustainable Finance,
which can be developed to enhance internal capacity in
line with the priorities of the RAKB program.
Pelatihan Internal secara Berkala baik oleh Pengajar Internal maupun Meningkatkan kapasitas Satuan Kerja Terkait di Bidang Keuangan Berkelanjutan terutama dalam hal Satuan Kerja Terkait dapat menyusun pedoman dan
Konsultan Penerapan Keuangan Berkelanjutan. mengidentifikasi produk dan layanan jasa Keuangan Berkelanjutan termasuk dalam menentukan kebijakan penerapan Keuangan Berkelanjutan pada
Periodic Internal Training conducted either by Internal Instructors or standar manajemen risiko Keuangan Berkelanjutan sesuai ketentuan Regulator. produk dan layanan jasa Bank.
Consultants on the Implementation of Sustainable Finance. Improving the capacity of the Relevant Work Unit in the field of Sustainable Finance, particularly in The Relevant Work Unit can develop guidelines and
identifying Sustainable Finance products and services, including establishing Sustainable Finance risk policies for the implementation of Sustainable Finance in
management standards in compliance with regulatory provisions. the Bank’s products and services.
Evaluasi Program Peningkatan Kapasitas Intern Untuk mengukur tingkat efektivitas pelaksanaan program peningkatan kapasitas Intern di bidang Menentukan program pelatihan yang lebih efektif dan
Evaluation of the Internal Capacity Building Program Keuangan Berkelanjutan. efisien serta dapat langsung diterapkan sesuai dengan
To measure the effectiveness of the implementation of the Internal Capacity Building Program in the strategi bisnis Bank di bidang Keuangan Berkelanjutan.
field of Sustainable Finance. Developing training programs that are more effective and
efficient and can be directly implemented in alignment
with the Bank’s business strategies in the field of
Sustainable Finance.
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RENCANA 5 TAHUN b. Alokasi Dana untuk Penyaluran Kredit
Bank mengalokasikan dana untuk menyalurkan kredit di
b. Fund Allocation for Lending
The Bank allocates fund for lending in the productive
5 YEAR PLAN sektor produktif dengan sangat hati-hati khususnya di sektor sector very prudently, especially in the Sustainable
kategori Kegiatan Usaha Berkelanjutan (KKUB) termasuk Business Activity category sector, including MSME
penyaluran kredit UMKM yang sejalan dengan rencana lending in line with the Bank’s business plan. The
Tahun / Year Target Kegiatan Prioritas / Priority Activity Target Indikator Keberhasilan / Succes Indikator bisnis Bank. Alokasi dana untuk kegiatan penyaluran allocation of fund for lending activities and/or other
kredit dan/atau instrumen Keuangan lainnya yang sejalan financial instruments aligned with the implementation of
Satuan Kerja Terkait telah mengikuti program peningkatan Satuan Kerja Terkait memiliki kompetensi dasar penerapan Keuangan Berkelanjutan dengan penerapan Keuangan Berkelanjutan bersumber dari Sustainable Finance is sourced from the fund allocation
kapasitas intern terkait Keuangan Berkelanjutan dan mampu dan mampu melakukan analisa dalam penerapan Keuangan Berkelanjutan
melakukan analisa risiko, jenis produk dan/atau jasa yang berdasasarkan penyesuaian atas hasil evaluasi serta memiliki rekanan tenaga ahli alokasi dana yang sudah termasuk dalam alokasi dana total included in the total lending fund allocation set out in
diberikan, teknologi informasi yang diperlukan, biaya dan/atau Konsultan di bidang Keuangan Berkelanjutan yang berkompeten dan penyaluran kredit yang telah ditetapkan dalam RBB 2024- the Bank Business Plan 2024-2026 of Rp4,300 billion.
dan manfaat dalam penerapan keuangan berkelanjutan tersertifikasi.
berdasarkan penyesuaian dari hasil evaluasi. The Relevant Work Unit possesses basic competencies in the implementation 2026 sebesar Rp4.300 miliar.
The Relevant Work Unit has participated in internal capacity- of Sustainable Finance and is capable of conducting analyses related to the
2024 building programs related to Sustainable Finance and is application of Sustainable Finance based on adjustments to evaluation results,
capable of conducting risk analysis, assessing types of products while also, it has partnerships with expert personnel and/or consultants in the field c. Alokasi Dana untuk Tanggung Jawab Sosial dan Lingkungan c. Fund Allocation for Social and Environmental Responsibility
and/or services provided, identifying the required information of Sustainable Finance who are both competent and certified. (TJSL) (CSR)
technology, as well as evaluating the costs and benefits of
implementing sustainable finance based on adjustments Bank berkomitmen setiap tahunnya dalam menyalurkan The Bank is committed each year to allocating funds
derived from evaluation results. dana untuk kegiatan Tanggung Jawab Sosial dan Lingkungan for Corporate Social Responsibility and Environmental
(TJSL) sebagai sebuah bentuk komitmen implementasi Responsibility (CSR and ER) activities as a form of
Satuan Kerja terkait mampu mengkaji hasil analisa risiko, jenis Lembar Kerja kajian hasil analisa yang dilakukan oleh Satuan Kerja terkait dapat pada nilai-nilai keberlanjutan yang sesuai dengan visi dan commitment to implementing sustainability values in
produk dan/atau jasa yang diberikan, teknologi informasi yang dikembangkan menjadi sebuah Standar Operasi Prosedur penerapan Keuangan
diperlukan, biaya dan manfaat dalam penerapan keuangan Berkelanjutan berdasarkan hasil penyesuaian evaluasi tersebut. misi Bank. Alokasi dana untuk Tanggung Jawab Sosial dan line with the Bank’s vision and mission. The allocation of
berkelanjutan yang dituangkan dalam lembar kerja Keuangan The worksheets reviewing the analysis conducted by the Relevant Work Unit can Lingkungan (TJSL)/Corporate Social Responsibility (CSR) funds for CSR and ER comes from the Corporate Social
Berkelanjutan atas hasil evaluasi dari peningkatan pelatihan be further developed into a Standard Operating Procedure for the implementation
sebelumnya. of Sustainable Finance, based on the adjustments from the evaluation results. proses penyalurannya melalui Komite Welfare dan/atau Responsibility (CSR) fund allocation, which is utilized
2025 The relevant work unit is capable of reviewing the results of Satuan Kerja yang telah ditunjuk langsung atas persetujuan through the Welfare Committee and/or designated Work
risk analysis, the types of products and/or services provided,
the required information technology, as well as the costs Direksi, di mana nilai besarannya dianggarkan secara “case Units directly approved by the Board of Directors. The
and benefits of implementing sustainable finance, which are by case” disesuaikan berdasarkan jenis kategori yang amount is budgeted on a “case by case” basis, adjusted
documented in the Sustainable Finance worksheet based on
the evaluation results from previous training improvements. dikategorikan menjadi 4 bidang yaitu: based on categorized types into four fields:
Penyesuaian Struktur Organisasi dan Standar Operasi Terbentuknya Satuan Kerja terkait yang fokus menangani Penerapan Keuangan 1. Bidang Kategori Lingkungan hidup 1. Field Category Environment
Prosedur (SOP) untuk meningkatkan penerapan Keuangan Berkelanjutan dan dituangkan dalam SOP Perkreditan Keuangan Berkelanjutan. The Kelestarian lingkungan hidup menjadi hal penting di Environmental sustainability is a crucial matter in the
Berkelanjutan. establishment of a Relevant Work Unit focused on managing the Implementation
2026 Adjustment of the Organizational Structure and Standard of Sustainable Finance, as outlined in the Sustainable Finance Credit SOP. masa sekarang, di mana masalah lingkungan hidup present day, as environmental issues have become
Operating Procedures (SOP) to enhance the implementation of
Sustainable Finance. menjadi isu penting untuk segera dicari solusinya significant concerns that demand immediate solutions
demi keberlanjutan dunia usaha di masa depan. Bank for the sustainability of businesses in the future. The
Pengembangan produk dan/atau jasa Keuangan Berkelanjutan Produk dan/atau Jasa Keuangan Berkelanjutan dijalankan sesuai SOP yang telah
berupaya untuk menerapkan tanggung jawab sosial Bank strives to implement social and environmental
dengan hasil penyesuian atas evaluasi produk. dibuat. dan lingkungan (TJSL) dengan memfokuskan pada hal responsibility (TJSL) by focusing on simple actions
2027 The development of Sustainable Finance products and/or Sustainable Finance Products and/or Services are implemented in accordance with sederhana yang dapat memberikan dampak besar that can have a substantial impact on environmental
services based on adjustments to product evaluation results. the established SOP.
kepada kelestarian lingkungan hidup jika diabaikan, preservation if neglected, such as the use of eco-
seperti misalnya penggunaan material dan energi ramah friendly materials and energy, operational waste
Portofolio produk dan/atau jasa Keuangan Berkelanjutan Produk dan/atau Jasa Keuangan Berkelanjutan meningkat baik di sektor kredit,
mengalami peningkatan atas hasil kajian evaluasi. investasi atau penempatan pada instrumen keuangan yang sejalan dengan lingkungan, sistem pengolahan limbah operasional management systems, carbon emission reduction,
The portfolio of Sustainable Finance products and/or services Keuangan Berkelanjutan. Bank, pengurangan emisi karbon, dan lain sebagainya. and so forth. In 2024, the Bank is highly open to
2028 has improved as a result of evaluation studies. Sustainable Finance Products and/or Services have increased in areas such as
credit, investment, or placements in financial instruments aligned with Sustainable Di tahun 2024, Bank sangat terbuka untuk menjalin collaborating with third parties in the environmental
Finance.
kerja sama dengan pihak ketiga di bidang lingkungan sector, particularly to contribute directly to addressing
hidup khususnya untuk berkontribusi langsung dalam environmental issues.
menangani isu-isu tentang lingkungan hidup.
Alokasi Sumber Daya dan Dana Resource and Fund Allocation 2. Bidang Kategori Ketenagakerjaan, Kesehatan dan 2. Category of Employment, Occupational Health and
Keselamatan Kerja (K3) Safety (“K3”)
a. Alokasi Dana untuk Pengembangan Kapasitas Intern a. Fund Allocation for Internal Capacity Building Sebagai salah satu pihak pemberi kerja, Bank As one of the employers, the Bank is responsible for
Dalam melaksanakan Program Keuangan Berkelanjutan In implementing the Sustainable Finance Program, theBank memiliki tanggung jawab untuk menjalankan implementing employment practices in accordance
Bank membentuk dan menugaskan Satuan Kerja Terkait establishes and assigns the relevant Working Units consisting praktik ketenagakerjaan sesuai dengan peraturan with applicable laws and regulations, providing a safe,
yang terdiri dari Divisi Bisnis, Divisi Human Capital, Divisi of the Business Division, Human Capitals Division, Risk perundangundangan, menyediakan tempat kerja yang healthy, and conducive workplace, ensuring equal
Manajemen Risiko dan Kepatuhan, Divisi IT, Divisi Credit Management and Compliance Division, IT Division, Credit aman, sehat dan kondusif, perlakuan dan pemenuhan treatment and fulfillment of rights for all employees
Support, dan Divisi Corporate Planning dan Product di Support Division, and Corporate Planning and Product hak setara kepada semua seluruh karyawan tanpa without discrimination based on race, religion,
mana anggaran pengembangan kapasitas intern telah Division where the internal capacity development budget adanya diskriminasi atas dasar ras, agama, jenis gender, or political affiliation, as well as providing
dianggarkan sebesar Rp15 juta dari biaya pendidikan yang has been budgeted at Rp15 million from the education kelamin, dan afiliasi politik, menyediakan sarana occupational safety facilities, education, and employee
telah dianggarkan oleh Bank. Pengembangan kapasitas costs budgeted by the Bank. Internal capacity building can dan keselamatan kerja, pendidikan serta remunerasi remuneration.
intern dapat dilakukan baik melalui inhouse training be done either through inhouse training or public training karyawan.
maupun Public Training di tahun 2024. in 2024.
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3. Bidang Kategori Kemasyarakatan 3. Community Category Bank menggunakan acuan UNEP–FI dan ketentuan POJK The Bank uses the UNEP-FI reference and the POJK Sustainable
Bank mengimplementasikan kebijakan tanggung jawab The Bank implements social responsibility policies Keuangan Berkelanjutan sebagai rujukan dalam menyusun Finance provisions as a reference in preparing the Sustainable
sosial terhadap masyarakat sebagai bentuk kepedulian. as a form of commitment to the community. These Strategi Keberlanjutan dan menerapkan 8 prinsip Keuangan Strategies, and applies the 8 principles of Sustainable Finance
Kegiatan memberi bantuan tersebut merupakan assistance activities have been regularly carried out Berkelanjutan agar dapat berjalan efektif sebagaimana diatur so that it can run effectively as regulated in OJK Regulation No.
kegiatan yang secara rutin dilakukan oleh Bank for a long time, including donations to orphanages,
dalam Peraturan OJK No. 51/POJK.03/2017 tentang Penerapan 51/POJK.03/2017 regarding the Implementation of Sustainable
sejak lama melalui santunan kepada panti asuhan, disaster relief aid, educational initiatives to enhance
Keuangan Berkelanjutan Bagi Lembaga Jasa Keuangan, Emiten, Finance for Financial Service Institutions, Issuers, and Public
pemberian bantuan sosial bencana alam, kegiatan financial literacy and inclusion, and other community
edukasi dalam rangka meningkatkan literasi dan inklusi social activities. dan Perusahaan Publik. Companies.
keuangan kepada masyarakat, dan kegiatan sosial
masyarakat lainnya. Adapun 8 prinsip Keuangan Berkelanjutan tersebut adalah : As of the 8 principles of Sustainable Finance, there are:
4. Bidang Kategori Kepada Nasabah 4. Category to Customers 1. Prinsip Investasi Bertanggung Jawab 1. Principles of Responsible Investment
Sebagai sebuah perusahaan di Industri perbankan, As a company in the banking industry, customers are Bank menerapkan prinsip investasi bertanggung jawab The Bank applies the principle of responsible investment,
nasabah atau konsumen merupakan Pemangku Stakeholders who directly contribute to the business’s yaitu pendekatan investasi yang mempertimbangkan faktor namely an investment approach that considers economic,
Kepentingan yang memiliki kontribusi langsung bagi sustainability. Customer satisfaction and loyalty are
ekonomi, lingkungan hidup, sosial, dan tata kelola dalam environmental, social, and governance factors in investment
kelangsungan usaha. Tingkat kepuasan dan loyalitas crucial for the Bank’s products and services. Therefore,
keputusan investasi yang bertujuan agar dapat mengelola decisions with the aim of managing risk better.
nasabah merupakan hal yang sangat penting pada the Bank consistently works to maintain customer trust
produk dan layanan jasa Bank, maka Bank senantiasa while adhering to the regulations set by the Financial risiko secara lebih baik.
untuk menjaga tingkat kepercayaan nasabah, dengan Services Authority and/or other relevant institutions.
tetap selalu mengacu pada Peraturan Otoritas Jasa 2. Prinsip Strategi dan Praktik Bisnis Berkelanjutan 2. Principles of Sustainable Business Strategy and Practice
Keuangan dan/atau institusi lainnya. Bank menetapkan dan menerapkan strategi dan praktik The Bank establishes and implements sustainable business
bisnis berkelanjutan pada setiap pengambilan keputusan strategies and practices in every decision making by
PIHAK YANG MENJADI PENANGGUNG JAWAB PELAKSANAAN dengan menekankan pencapaian tujuan jangka panjang
dan penetapan strategi jangka pendek yang merupakan
emphasizing the achievement of long-term goals and
establishing short-term strategies which are part of
PROGRAM KEUANGAN BERKELANJUTAN bagian dari upaya pencapaian tujuan jangka panjang. efforts to achieve long-term goals. The strategies and
THE PARTY IN CHARGE OF THE IMPLEMENTATION OF THE SUSTAINABLE FINANCE PROGRAM Strategi dan praktik bisnis dimaksud meliputi visi, misi, business practices in question include the vision, mission,
struktur organisasi, rencana strategis, standar prosedur organizational structure, strategic plans, standard operating
operasional, program kerja sampai pada penetapan faktor procedures, work programs for the determination of risk
Satuan Kerja / Work Units Tugas / Duties Wewenang / Authorities
risiko dalam manajemen risiko. Penerapan strategi bisnis factors in risk management. The implementation of the
tersebut ditujukan untuk meminimalkan dampak negatif business strategy is aimed at minimizing negative impacts
• Dewan Komisaris Mengawasi, mengevaluasi dan memberikan masukan atas Pengawas dan Penasehat atas pelaksanaan Keuangan Berkelanjutan oleh
Board of kinerja Direksi dalam penerapan Keuangan Berkelanjutan di Direksi. dan mengintegrasikan aspek ekonomi, lingkungan hidup, and integrating economic, environmental, and social
Commissioners Bank. Supervisors and Advisors on the implementation of Sustainable Finance
Supervise, evaluate and provide input on the performance of the by the Board of Directors. dan sosial. aspects.
Board of Directors in the implementation of Sustainable Finance
in Bank.
3. Prinsip Pengelolaan Risiko Sosial dan Lingkungan Hidup 3. Principles of Social and Environmental Risk Management
• Direksi Pengarah dan pemantau pelaksanaan Keuangan Berkelanjutan. Pengambilan keputusan.
Directors Directors and monitors of the implementation of Sustainable Decision-making. Bank menerapkan prinsip kehati-hatian dalam mengukur The Bank applies the precautionary principle in measuring
Finance.
risiko sosial dan lingkungan hidup dari aktivitas operasi social and environmental risks from the company’s
• Divisi Bisnis Merencanakan peningkatan portofolio pembiayaan, investasi Merekomendasi produk dan/atau Layanan Jasa Bank dalam implementasi
Business Division atau penempatan pada instrumen keuangan atau proyek yang Keuangan Berkelanjutan. perusahaan. Risiko sosial dan lingkungan hidup mencakup operating activities. Social and environmental risks include
sejalan dengan penerapan Keuangan Berkelanjutan. Recommending products and/or Banking Services in the implementation dampak sosial dan lingkungan hidup yang bersifat negatif negative social and environmental impacts from the Bank’s
Planning the improvement of financing portfolios, investments, of Sustainable Finance.
or placements in financial instruments or projects aligned with dari kegiatan operasi yang dilakukan oleh Bank. operations.
the implementation of Sustainable Finance
• Divisi Human Capital Menyusun agenda pengembangan kapasitas SDM mengenai Menentukan prioritas pelatihan yang sesuai dengan Keuangan 4. Prinsip Tata Kelola 4. Governance Principles
Human Capital Keuangan Berkelanjutan. Berkelanjutan.
Division Developing a capacity-building agenda for human resources on Determining training and development priorities in line with Sustainable Bank menerapkan tata kelola keberlanjutan dengan The Bank implements sustainability governance by
Sustainable Finance. Finance.
memperhatikan aspek ekonomi, lingkungan hidup, dan taking into account the economic, environmental,
• Divisi Manajemen Melakukan penyesuaian analisis manajemen risiko Keuangan Memberi Rekomendasi tingkat risiko atas produk Keuangan Berkelanjutan. sosial yang dibangun berdasarkan prinsip-prinsip yaitu and social aspects that are built on the principles of
Risiko dan Kepatuhan Berkelanjutan sesuai ketentuan Regulator. Provide risk level recommendations for Sustainable Finance products. transparansi, akuntabel, bertanggung jawab, independen, transparency, accountability, responsibility, independence,
Risk Management and Adjusting the analysis of Sustainable Finance risk management in
Compliance Division accordance with regulatory requirements. profesional, setara dan wajar. professionalism, equality, and fairness.
• Divisi IT Pengembangan teknologi sistem informasi dalam penerapan Mapping data Keuangan Berkelanjutan dan teknologi sistem informasi
IT Division Keuangan Berkelanjutan. untuk kebutuhan Laporan.
Development of information system technology in the Mapping Sustainable Finance data and information system technology for 5. Prinsip Komunikasi yang Informatif 5. Principles of Informative Communication
implementation of Sustainable Finance. reporting needs. Bank menyiapkan dan menyediakan laporan yang informatif, The Bank prepares and provides reports that are
• Divisi Credit Support Melakukan legal review atas syarat dan ketentuan dari produk Memeriksa dan memantau kelengkapan dokumen dari syarat dan mudah dipahami dan dapat dipertanggungjawabkan. informative, easy to understand, and can be accounted for.
Credit Support dan/atau jasa Keuangan Berkelanjutan. ketentuan atas produk dan/atau jasa Keuangan Berkelanjutan.
Division Conducting a legal review of the terms and conditions of Checking and monitoring the completeness of documents related to the Laporan tersebut mencakup strategi, tata kelola, kinerja, The report covers the strategy, governance, performance,
Sustainable Finance products and/or services. terms and conditions of Sustainable Finance products and/or services.
prospek usaha Bank, dan disampaikan melalui media business prospects of the Bank and is delivered through
• Divisi Operasional Memastikan seluruh proses operasional Bank berjalan sesuai • Menetapkan standar layanan berkualitas tinggi kepada Nasabah. komunikasi yang efektif serta dapat dijangkau oleh seluruh effective communication media and can be reached by all
Operational Division dengan prinsip keberlanjutan dan berupaya meningkatkan • Menetapkan prosedur operasional terkait keuangan berkelanjutan.
layanan kepada nasabah. • Establish high quality service standards for Customers. pemangku kepentingan. stakeholders.
Ensure that all Bank operational processes run in accordance • Establish operational procedures related to sustainable finance.
with sustainability principles and strive to improve services to
customers.
6. Prinsip Inklusif 6. Inclusive Principle
• Divisi Corporate Menyusun Laporan Rencana Aksi Keuangan Berkelanjutan Mengumpulkan data yang diperlukan dari Satuan Kerja Terkait untuk Bank berupaya melakukan pemerataan atas akses produk The Bank seeks to make equal distribution of access to the
Planning dan Product (RAKB) dan Laporan Keberlanjutan (Sustainability Report) sesuai penyusunan Laporan Rencana Aksi Keuangan Berkelanjutan (RAKB) dan
Corporate Planning ketentuan Regulator. Laporan Keberlanjutan (Sustainability Report). dan/atau layanan jasa Bank, bagi masyarakat terutama yang Bank’s products and/or services, especially for those who
dan Product Division Preparing the Sustainable Finance Action Plan Report (RAKB) Collect the necessary data from the Relevant Work Unit for the
and the Sustainability Report in accordance with the Regulator’s preparation of the Sustainable Finance Action Plan Report (RAKB) and belum memiliki akses terhadap produk perbankan. do not have access to banking products.
provisions. the Sustainability Report.
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7. Prinsip Pengembangan Sektor Unggulan Prioritas
Bank dalam menyusun program keberlanjutan
7. Principles of Priority Leading Sector Development
The Bank in developing sustainability programs considers
PRIORITAS DAN URAIAN STRATEGI KEBERLANJUTAN
SUSTAINBALE STRATEGIES PRIORITY AND DESCRIPTION
mempertimbangkan sektor-sektor unggulan prioritas priority leading sectors that have been determined by the
yang telah ditetapkan oleh Pemerintah khususnya di sektor Government, especially in the Micro, Small and Medium
Usaha Mikro Kecil dan Menengah (UMKM) melalui Rencana Enterprises (MSME) sector through the Medium-Term Dasar Pemikiran Rationale
Pembangunan Jangka Menengah (RPJM) dan Rencana Development Plan (RPJM) and the National Long-Term Bank sangat berhati-hati dalam mengimplementasikan strategi The Bank exercises great caution in implementing its business
Pembangunan Jangka Panjang Nasional (RPJP). Hal ini Development Plan (RPJP). This was carried out to ensure the bisnisnya di tengah adanya isu perlambatan ekonomi global strategy amid concerns over the global economic slowdown,
dan sangat memperhatikan kondisi internal-eksternal dalam carefully considering both internal and external conditions
dilakukan untuk mendukung pencapaian Tujuan Pembangunan achievement of the Sustainable Development Goals (SDGs),
menetapkan strategi-strategi yang akan dilaksanakan secara to formulate more measurable, targeted, and sustainable
Berkelanjutan/TPB (Sustainable Development Goals/SDGs), including mitigating climate change.
lebih terukur, tepat sasaran dan berkesinambungan. strategies.
termasuk penanganan perubahan iklim.
Langkah awal untuk mendukung penerapan strategi bisnis The initial step to support the implementation of the Bank’s
8. Prinsip Koordinasi dan Kolaborasi 8. Principles of Coordination and Collaboration Bank di bidang Keuangan Berkelanjutan dapat berjalan dengan business strategy in the field of Sustainable Finance is to improve
Dalam rangka menyelaraskan strategi/kebijakan, peluang In order to align strategies/policies, business opportunities, baik yaitu dengan meningkatkan kompetensi dan keterampilan the competence and skills of human resources, organizational
bisnis, dan inovasi produk dengan kepentingan nasional, and product innovations with national interests, the Bank sumber daya manusia, penyesuaian organisasi, manajemen adjustments, risk management, governance and/or standard
Bank berpartisipasi secara aktif dalam berbagai kegiatan actively participates in various activities or collaborations risiko, tata kelola dan/atau standar prosedur operasional operating procedures (SOPs) in accordance with the principles of
ataupun kerjasama dengan pemangku kepentingan yang with stakeholders who have work programs related to the (standard operating procedure/SOP) yang sesuai dengan prinsip implementing Sustainable Finance
memiliki program kerja terkait dengan implementasi implementation of sustainable development to accelerate penerapan Keuangan Berkelanjutan.
pembangunan berkelanjutan untukmempercepat the improvement of economic welfare, social, and the
peningkatan kesejahteraan ekonomi, sosial, dan kualitas quality of the community’s living environment. Kegiatan Activities
Uraian kegiatan Prioritas dalam Strategi Keberlanjutan pada The description of the Priority activities in the Sustainable
lingkungan hidup masyarakat.
Tahun 2024 adalah sebagai berikut: Strategies in 2024 is as follows:
Dalam menerapkan prinsip-prinsip Keuangan Berkelanjutan, In implementing the principles of Sustainable Finance, some of
beberapa faktor penentu keberhasilan implementasi Rencana the factors that determine the success of the implementation of
Uraian Kegiatan Periode Awal Periode Akhir Sumber Daya Yang di Butuhkan Divisi Yang Bertanggung Jawab
Aksi Keuangan Berkelanjutan (RAKB) adalah sebagai berikut: the Sustainable Finance Action Plan are as follows: Description Early Period Late Period Resources Needed Division in Charge
1. Faktor yang menjadi kekuatan 1. Strength factors Menentukan jobdesk dari Direksi, Divisi Bisnis, Divisi Human Capital, Divisi Divisi Corporate Planning dan Product.
masing-masing Satuan Kerja Risiko dan Kepatuhan, Divisi IT, Divisi Credit Corporate Planning and Product Division.
• Bank telah berdiri cukup lama di Indonesia; • The Bank has been established for many years in Indonesia; terkait dalam mendukung Support, dan Divisi Corporate Planning dan Product
penerapan Keuangan Board of Directors, Business Division, Human
• Komitmen Pemegang Saham untuk memajukan Bank; • Shareholders’ commitment to the growth of the Bank; Berkelanjutan. Januari Januari
Determining the job Capital Division, Risk and Compliance Division, IT
January January
• Basis nasabah setia dari komunitas India; • Loyal customer basis from the Indian community; descriptions of each relevant Division, Credit Support Division, and Corporate
Work Unit in supporting the Planning and Product Division
• Rasio permodalan yang solid; • Solid capitalization ratio; implementation of Sustainable
Finance.
• Manajemen yang berpengalaman. • Experienced management.
• Infrastruktur IT dan Core Banking System Bank sudah • The Bank’s IT infrastructure and Core Banking System Menentukan jenis pelatihan Divisi Bisnis, Divisi Human Capital, Divisi Divisi Human Capital dan Divisi Corporate
Keuangan Berkelanjutan untuk Mananjemen Risiko dan Kepatuhan, Divisi IT, Divisi Planning dan Product.
mendukung perkembangan terkini. already support the latest developments. Satuan Kerja terkait. Credit Support, dan Divisi Corporate Planning dan Human Capital Division and Corporate Planning
Determining the types of Februari April Product. and Product Division.
Sustainable Finance training for February April Business Division, Human Capital Division, Risk
2. Faktor yang menjadi kelemahan 2. Weakness factors the relevant Work Unit. Management and Compliance Division, IT Division,
Credit Support Division, and Corporate Planning
• Kurangnya brand awareness Bank; • Limited brand awareness of the Bank; and Product Division.
• Jaringan kantor Bank masih bersifat konvensional; • The Bank’s office network is still conventional; Pengembangan Kapasitas Intern Divisi Bisnis, Divisi Human Capital, Divisi Divisi Human Capital.
Sumber Daya Manusia (SDM) Mananjemen Risiko dan Kepatuhan, Divisi IT, Human Capital Division.
• Portofolio Kredit dan Pendanaan belum optimal; • The loan and funding portfolio is not yet optimal; baik melalui Inhouse Training Divisi Credit Support, Divisi Operasional dan Divisi
• Komposisi dan ketrampilan SDM belum optimal; • The composition and skills of human resources are not maupun Public Training. Corporate Planning dan Product.
Mei Oktober
Developing Internal Human Business Division, Human Capital Division, Risk
May October
yet optimal; Resource (HR) Capacity through Management and Compliance Division, IT Division,
both In-house Training and Credit Support Division, Operational Division, and
Public Training. Corporate Planning and Product Division.
3. Faktor yang menjadi peluang 3. Opportunity factors
• Potensi pasar UMKM masih besar; • MSME market potential is still large; Kajian Internal mengenai Divisi Bisnis, Divisi Human Capital, Divisi Divisi Human Capital.
“Strategi Penerapan Keuangan Mananjemen Risiko dan Kepatuhan, Divisi IT, Human Capital Division.
• Pertumbuhan ekonomi Indonesia masih kondusif; • Indonesia’s economic growth is still conducive; Berkelanjutan dalam kegiatan Divisi Credit Support, Divisi Operasional dan Divisi
usaha Bank”. Corporate Planning dan Product.
• Potensi perluasan pasar segmen komunitas; • Potential expansion of the community segment market; Internal review on the “Strategy Business Division, Human Capital Division, Risk
September November
• Mid-level economic groups continue to increase; for Implementing Sustainable Management and Compliance Division, IT Division,
• Kelompok ekonomi menengah terus meningkat; Finance in Bank business September November Credit Support Division, Operational Division, and
• Layanan keuangan digital/hybrid transaction terus • Digital financial services/hybrid transactions continue to activities.” Corporate Planning and Product Division.
meningkat; increase;
4. Faktor yang menjadi ancaman 4. Threat factors Evaluasi Kembali Program Divisi Bisnis, Divisi Human Capital, Divisi Divisi Human Capital.
Peningkatan Kapasitas Intern Mananjemen Risiko dan Kepatuhan, Divisi IT, Divisi Human Capital Division.
• Bank pesaing pasar UMKM tinggi; • Bank competitors in the MSME market are high; Re-evaluating the Internal Credit Support, dan Divisi Corporate Planning dan
Capacity Building Program. Desember Desember Product.
• Potensi distorsi kepercayaan publik kepada Bank; • Potential distortion of public trust in Banks; December December Business Division, Human Capital Division, Risk
Management and Compliance Division, IT Division,
• Kemajuan teknologi informasi perbankan sangat pesat; • Rapid advancement of banking information technology; Credit Support Division, and Corporate Planning
• Peningkatan pengawasan market conduct oleh regulator. • Increased market conduct supervision by regulators. and Product Division.
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Strategi Keberlanjutan
Sustainability Strategy
Sumber Daya Resources Tindak Lanjut Rencana Aksi Keuangan Berkelanjutan The follow up of Sustainable Finance Action Plan (RAKB)
1. Sumber Dana 1. Funding Source (RAKB)
a. Untuk kegiatan penerapan Keuangan Berkelanjutan a. For Sustainable Finance implementation activities, the Di tahun 2025, Bank melalui Divisi Human Capital akan lebih In 2025, the Bank, through the Human Capitals Division, will
bersumber dari alokasi dana pembiayaan untuk source of funds came from financing fund allocations fokus pada pengembangan kapasitas intern terkait implementasi focus more on developing internal capacity related to the
penyaluran kredit dan/atau instrumen Keuangan for lending and/or other financial instruments Keuangan Berkelanjutan baik melalui sosialisasi/pelatihan/ implementation of Sustainable Finance, both through internal
lainnya yang telah dianggarkan oleh Manajemen that have been budgeted by the Management in workshop dan kegiatan lainnya baik yang diadakan oleh pihak initiatives, regulatory-driven activities, and external events.
sesuai dengan perkembangan bisnis Bank dan telah accordance with the Bank’s business development Internal, Regulator maupun pihak eksternal. Bank akan menjalin The Bank will actively communicate with regulatory bodies to
termasuk dalam target RBB dalam menyalurkan kredit. and have been included in the RBB target in disbursing komunikasi aktif dengan pihak Regulator untuk melakukan provide guidance and support to the relevant work units in the
loans. pendampingan dan/atau bimbingan kepada Satuan Kerja terkait implementation of Sustainable Finance.
b. Untuk Peningkatan Kapasitas SDM bersumber dari b. The improvement of human resource capacity is dalam penerapan Keuangan Berkelanjutan.
alokasi Dana Pendidikan; sourced from the Education Fund allocation;
c. Untuk Tanggung Jawab Sosial dan Lingkungan c. For Social and Environmental Responsibility (TJSL) Pelaksanaan Sistem monitoring, evaluasi, dan mitigasi risiko atas Implementation of the monitoring, evaluation, and risk
(TJSL) bersumber dari alokasi dana Corporate Social comes from the Corporate Social Responsibility (CSR) pelaksanaan program Keuangan Berkelanjutan akan dibahas mitigation system for the Sustainable Finance program will be
Responsibility (CSR). fund allocation. pada saat Satuan Kerja terkait melakukan rapat/kajian internal. discussed during internal meetings/studies conducted by the
relevant work units.
2. Sumber Daya Manusia 2. Human Resources
Dewan Komisaris berperan dalam mengawasi, The Board of Commissioners plays a role in overseeing, Seiring dengan dukungan teknologi sistem Informasi yang With the support of a robust information system technology, it
mengevaluasi dan memberikan masukan kepada Direksi evaluating, and providing input to the Board of Directors mumpuni diharapkan dapat membantu dan/atau mempermudah is expected to assist and/or facilitate the Relevant Work Unit in
sebagai penanggung jawab dalam praktik penerapan as those responsible for the implementation of Sustainable Satuan Kerja Terkait dalam proses pengembangan kapasitas the process of internal capacity development and other activities
Keuangan Berkelanjutan di Bank. Satuan Kerja Terkait yang Finance practices at the Bank. The Relevant Work Unit intern dan kegiatan lainnya dalam penerapan Keuangan in the implementation of Sustainable Finance. This is especially
telah ditunjuk oleh Direksi dalam penerapan Keuangan appointed by the Board of Directors for implementing Berkelanjutan terutama dalam mendukung analis data crucial in supporting the analysis of Environmental, Social, and
Berkelanjutan yang terdiri dari Divisi Bisnis, Divisi Human Sustainable Finance consists of the Business Division, Environmental (Lingkungan), Social (Sosial), dan Governance Governance (ESG) data more effectively, including the monitoring
Capital, Divisi Manajemen Risiko dan Kepatuhan, Divisi Human Capital Division, Risk Management and Compliance (Tata Kelola Perusahaan) secara lebih efektif, termasuk and evaluation of sustainability-based project performance
IT, Divisi Credit Support, Divisi Operasional, dan Divisi Division, IT Division, Credit Support Division, Operations pemantauan dan evaluasi kinerja proyek berbasis keberlanjutan.
Corporate Planning dan Product. Division, and Corporate Planning and Product Division.
3. Mitra kerja sama 3. Collaborating Partners
Mitra kerja Bank terdiri dari para praktisi/konsultan Bank’s collaboration partners consist of practitioners/
yang ahli dan tersertifikasi dalam penerapan Keuangan consultants who are experts and certified in the
Berkelanjutan untuk memberikan pelatihan dan/atau implementation of Sustainable Finance to provide training
pengembangan kapasitas intern yang diperlukan oleh and/or internal capacity development needed by the Bank
Bank dan Debitur yang memiliki kegiatan usaha yang and Debtors engaged in Sustainable Business Activities
termasuk dalam Kategori Kegiatan Usaha Berkelanjutan (KKUB) and comply with the principles of Sustainable
(KKUB) dan memenuhi prinsip-prinsip penerapan Keuangan Finance implementation determined by the Bank based on
Berkelanjutan yang telah ditentukan oleh Bank berdasarkan regulatory requirements.
ketentuan Regulator.
Sistem Evaluasi Pelaksanaan Program Program Implementation Evaluation System
Sistem monitoring, evaluasi, dan mitigasi risiko atas pelaksanaan The monitoring, evaluation, and risk mitigation system for the
program Keuangan Berkelanjutan dilakukan oleh Divisi implementation of Sustainable Finance programs are carried out
Corporate Planning dan Product sesuai arahan Manajemen dan by the Corporate Planning and Product Division in accordance
berkolaborasi dengan Satuan Kerja terkait seperti Divisi Human with management directives and in collaboration with relevant
Capital dan Divisi Manajemen Risiko dan Kepatuhan setiap units such as the Human Capitals Division and the Risk
Triwulanan. Namun, jika diperlukan Sistem monitoring, evaluasi, Management and Compliance Division every quarter. However,
dan mitigasi risiko dapat dilakukan sewaktu-waktu. the monitoring, evaluation, and risk mitigation system can be
implemented at any time if necessary.
Tantangan dan Rencana ke Depan Challenges and Future Plan
Menentukan jenis pelatihan yang tepat dengan pemateri maupun Determining the appropriate training programs with competent,
lembaga training yang berkompeten, berpengalaman serta experienced, and certified trainers or training institutions in
tersertifikasi terkait penerapan Keuangan Berkelanjutan menjadi Sustainable Finance remains a challenge for the Human Capital
tantangan bagi Divisi Human Capital dalam mengembangkan Division in developing the Bank’s internal capacity. The capacity
kapasitas intern Bank. Pengembangan kapasitas intern Satuan development of relevant Work Units will focus on improving
Kerja terkait akan difokuskan dalam pengembangan kapasitas expertise in Sustainable Finance implementation, ensuring
intern terkait penerapan Keuangan Berkelanjutan yang sejalan alignment with the Bank’s business strategy. This will enable
dengan arah strategi bisnis Bank sehingga ke depannya Satuan the relevant Work Units to effectively identify and categorize
Kerja terkait dapat menentukan dan mengkategorikan kegiatan Sustainable Finance business activities within the Bank’s prudent
usaha Keuangan Berkelanjutan ke dalam usaha bisnis Bank yang business operations.
prudent.
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02 IKHTISAR KINERJA KEBERLANJUTAN 2024 Sustainability Performance 2024 Highlights
Page 143
Ikhtisar Kinerja Keberlanjutan 2024
Sustainability Performance 2024 Highlights
IKHTISAR KINERJA ASPEK KEBERLANJUTAN
SUSTAINABILITY PERFORMANCE HIGHLIGHTS
Kinerja Ekonomi / Economic Performance Kinerja Sosial / Social Performance
Kuantitas Produk/Jasa Produk Ramah Lingkungan Total Pegawai Jumlah Pegawai Wanita
Products/Services Quantity Environtment Friendly Products Total Employee Number of Female Employees
3 Produk
Products 63 Miliar Rupiah
Billion Rupiah 222 Tidak Termasuk Direksi
Not Including Directors 106 Tidak Termasuk Direksi
Not Including Directors
Total Pembiayaan Infrastruktur Laba (Rugi) Sesudah Pajak
Amount of Infrastructure Funds Profit (Loss) After Tax Perputaran Pegawai Jumlah Kecelakaan Kerja
109 79
Employee Rotation Number of Work Accident
Miliar Rupiah
Billion Rupiah
Miliar Rupiah
Billion Rupiah
10,10% -
Jumlah Pengaduan Nasabah Pengaduan Yang Diselesaikan
Kinerja Lingkungan / Environmental Performance Number of Complaints Number of Complaints Solved
60 100%
Penggunaan Kertas Penggunaan Listrik
Paper Usage Electricity Usage
Pengaduan Nasabah
43 1,1
Customer Complaint
Juta Rupiah Miliar Rupiah
Million Rupiah Billion Rupiah
Jumlah Dana Penyaluran CSR dan Bina Lingkungan
Amount of CSR Distribution and Community Development Funds
289
Penggunaan BBM Penggunaan Air
Fuel Usage Water Usage
417 119
Juta Rupiah
Million Rupiah
Juta Rupiah Juta Rupiah
Million Rupiah Million Rupiah
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03 PROFIL BANK Bank’s Profile
Page 145
Profil Bank
Bank’s Profile
INDEKS PROFIL BANK KEANGGOTAAN ASOSIASI
BANK PROFILE INDEX PARTICIPATION IN THE ASSOCIATION
Profil PT Bank of India Indonesia Tbk dapat dilihat pada halaman Profile of PT Bank of India Indonesia Tbk can be seen on the page
sesuai indeks tabel di bawah ini: according to the table index below: Sebagai bagian dari komitmen dalam menjalankan praktik As part of its commitment to responsible banking practices, the
perbankan yang bertanggung jawab, Bank senantiasa aktif Bank actively participates in various national and international
berpartisipasi dalam berbagai asosiasi perbankan nasional dan banking associations. This membership enables the Bank to stay
Indeks / index Keterangan / Description Halaman / Page internasional. Keanggotaan ini memungkinkan Bank untuk terus updated on regulatory developments, adopt the latest industry
mengikuti perkembangan regulasi, mengadopsi standar industri standards, and contribute to policy formulation that supports
Profil Bank / Banks Profile
terkini, serta berkontribusi dalam perumusan kebijakan yang the stability and growth of the banking industry.
3.a
Visi dan Misi Bank
37
mendukung stabilitas dan pertumbuhan industri perbankan.
Bank’s Vision and Mission
Profil Bank Melalui keterlibatan ini, Bank semakin memperkuat kolaborasi Through this engagement, the Bank strengthens collaboration
3.b 36 dengan pemangku kepentingan, meningkatkan standar layanan, with stakeholders, enhances service standards, and drives
Bank Profile
serta mendorong inovasi yang selaras dengan prinsip tata kelola innovation in line with good corporate governance principles. A
Profil Dewan Komisaris dan Direksi perusahaan yang baik. Adapun daftar keanggotaan Bank dalam complete list of the Bank’s memberships in banking associations
3.c The Board of Directors and The Board of 60, 63
Commissioners Profile
asosiasi perbankan selengkapnya dapat dilihat pada halaman can be found on page 58, Chapter Bank Profile of the 2024
58 bab Profil Bank Laporan Tahunan 2024 yang merupakan satu Annual Report, which is an integral and inseparable part of this
3.d
Sumber Daya Manusia
75 kesatuan dan bagian tidak terpisahkan dari laporan keberlanjutan 2024 Sustainability Report.
Human Resource 2024 ini.
Informasi Kepemilikan Saham
3.e 82
Shareholding Infrmation
3.f
Informasi Pada Situs Web
Bank’s Products and Services Information
85 PERUBAHAN SIGNIFIKAN
SIGNIFICANT CHANGES
Kesetaraan Gender*)
Selama periode pelaporan, tidak terdapat perubahan signifikan, During the reporting period, there were no significant changes,
Gender Equality*) baik penambahan maupun pengurangan, yang berkaitan dengan either additions or reductions, related to the operational areas
Laki-Laki Perempuan wilayah operasi, struktur permodalan, termasuk modal saham or capital structure, including share capital and other capital
Level Jabatan
Male Female
Total Pegawai dan instrumen modal lainnya, sebagaimana diatur dalam instruments, as regulated under the applicable POJK provisions.
Total (%)
Position Jumlah pegawai Persentase pegawai (%) Jumlah pegawai Persentase pegawai (%) Total Employee ketentuan POJK yang berlaku.
Total employee Employee percentage (%) Total employee Employee percentage (%)
Entry-level 81 36% 74 33% 155 70%
Mid-level 9 4% 16 7% 25 11%
INISIATIF EKSTERNAL
Senior-level 14 6% 10 5% 24 11%
EXTERNAL INITIATIVES
Executive- level 12 5% 6 3% 18 8%
Total 116 52% 106 48% 222 100% Selama periode pelaporan, Bank telah mendapatkan apresiasi During the reporting period, the Bank received recognition from
*) Tidak termasuk Direksi / Excluding the Board of Directors
dari pihak eksternal pada tahun sebelumnya yang mewakili external parties in the previous year, representing stakeholders,
Pemangku Kepentingan atas prestasi dan kinerja yang telah for its achievements and performance. These awards serve as
dicapainya. Penghargaan ini menjadi motivasi bagi Bank untuk motivation for the Bank to continuously enhance its performance
Jumlah level pegawai yang dimiliki oleh laki-laki dan perempuan berdasarkan kelompok umur*) terus meningkatkan kinerja dan memberikan layanan terbaik and provide the best services to customers and stakeholders, as
The number of employee levels held by men and women categorized by age group*) bagi nasabah serta pemangku kepentingan sebagaimana dapat presented in the following table:
dilihat pada tabel berikut:
Level Jabatan
Position
Rentang Usia Tanggal Nama Penghargaan Diberikan Oleh
Entry-level Mid-level Senior-level Executive-level Jumlah pegawai Date Award Name Organizer
(tahun)
Entry-level Mid-level Senior-level Executive-level Total employee
Age Range (year)
Laki-Laki Perempuan Laki-Laki Perempuan Laki-Laki Perempuan Laki-Laki Perempuan 27 Juni 2023 Bank Konvensional Terbaik kategori KBMI 1 di tahun 2023 CNBC Indonesia Rating
Male Female Male Female Male Female Male Female June 27, 2023 Best Conventional Bank in the KBMI category in 2023 CNBC Indonesia Rating
18-25 - - - - - - - - -
25-35 25 39 1 1 2 1 1 1 71
35-45 23 14 4 4 3 5 2 6 61
45-55 33 20 4 11 8 4 2 5 87
>55 - 1 - - 1 - 1 - 3
Total 81 74 9 16 14 10 6 12 222
*) Tidak termasuk Direksi / Excluding the Board of Directors
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04 PENJELASAN DIREKSI The Board of Directors Overview
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Penjelasan Direksi
The Board of Directors remark
PENJELASAN DIREKSI
THE BOARD OF DIRECTORS OVERVIEW
JAYAPRAKASH
Para Pemegang Saham dan Pemangku Kepentingan yang Dear Shareholders and Stakeholders,
terhormat,
BHARATHAN
Bank senantiasa berkomitmen untuk menjaga standar layanan The Bank remains committed to maintaining service standards
yang konsisten dengan praktik bisnis berkelanjutan. Komitmen ini that are consistent with sustainable business practices. This
mencakup aspek ekonomi, sosial, dan lingkungan, yang sekaligus commitment encompasses economic, social, and environmental
mendukung pencapaian Tujuan Pembangunan Berkelanjutan aspects while also supporting the achievement of the
DIREKTUR UTAMA
PRESIDENT DIRECTOR (TPB) di sektor perbankan. Penyajian Laporan Keberlanjutan Sustainable Development Goals (SDGs) in the banking sector.
2024 ini merupakan bagian dari akuntabilitas, transparansi dan The presentation of this 2024 Sustainability Report is part of
tanggung jawab Bank kepada Pemegang Saham dan seluruh the Bank’s accountability, transparency, and responsibility to
Pemangku Kepentingan. Shareholders and all Stakeholders.
Kebijakan dalam Menanggapi Tantangan Strategi Keberlanjutan Policies in Responding to Sustainability Strategy Challenges
Dalam menghadapi berbagai tantangan yang muncul seiring In facing various challenges arising from economic, social, and
dengan dinamika ekonomi, sosial, dan lingkungan, Bank environmental dynamics, the Bank has established well-directed
menetapkan kebijakan yang terarah dan responsif sebagai and responsive policies as part of its sustainability strategy, with
bagian dari strategi keberlanjutan di mana prioritas utamanya a primary focus on developing internal capacity in the field of
melakukan pengembangan kapasitas internal di bidang Keuangan Sustainable Finance. Once the Bank has Human Resources (HR)
Berkelanjutan. Selanjutnya, setelah Bank memiliki Sumber who are competent in Sustainable Finance, it will proceed to
Daya Manusia (SDM) yang berkompeten di bidang Keuangan adjust its organization, risk management, governance, and/
Berkelanjutan, akan melakukan penyesuaian organisasi, or standard operating procedures to align with the principles
manajemen risiko, tata kelola, dan/atau standar prosedur of Sustainable Finance implementation, as well as develop
operasional Bank yang sesuai dengan prinsip penerapan Sustainable Financial Products and/or Services.
Keuangan Berkelanjutan serta pengembangan Produk dan/atau
Jasa Keuangan Berkelanjutan.
Setiap kebijakan yang diambil oleh Bank bertujuan untuk Every policy adopted by the Bank aims to ensure that each
memastikan bahwa setiap langkah bisnis tidak hanya berorientasi business step is not only focused on business growth but also
pada pertumbuhan usaha, tetapi juga memperhatikan tanggung takes into account social and environmental responsibilities. The
jawab sosial dan lingkungan. Direksi secara konsisten mendorong Board of Directors consistently promotes the strengthening of
penguatan tata kelola, efisiensi operasional, serta inovasi governance, operational efficiency, and innovation that supports
yang mendukung pencapaian tujuan keberlanjutan jangka the achievement of long-term sustainability goals, enabling the
panjang, sehingga Bank mampu menciptakan nilai tambah yang Bank to create continuous added value for all stakeholders.
berkesinambungan bagi seluruh pemangku kepentingan.
Dalam mengimplementasikan Keuangan Berkelanjutan, Bank In implementing Sustainable Finance, the Bank refers to the
merujuk pada Rencana Aksi Keuangan Berkelanjutan (RAKB) 2024 Sustainable Finance Action Plan (RAKB) submitted to the
tahun 2024 yang telah disampaikan Bank kepada OJK melalui OJK through Letter No. 251/KP-BD/OJK/ERM/XI/2023 dated 29
Surat No. 251/KP-BD/OJK/ERM/XI/2023 tanggal 29 November November 2023.
2023.
Penerapan Prinsip Keberlanjutan Implementation of Sustainability Principles
Seiring perkembangan bisnis, Bank terus menyelaraskan strategi As the business evolves, the Bank continues to align its business
bisnis dengan strategi Keuangan Berkelanjutan, dengan tetap strategy with its Sustainable Finance strategy, while maintaining
mengutamakan prinsip kehati-hatian dan tata kelola perusahaan prudence and sound corporate governance principles. The
yang baik. Implementasi strategi ini berlandaskan visi, misi, dan implementation of this strategy is grounded in the Bank’s vision,
nilai-nilai perusahaan. mission, and core values.
Respons Bank terhadap Isu Keberlanjutan Bank’s Response to Sustainability Issues
Bank berkomitmen untuk merespons berbagai isu keberlanjutan The Bank is committed to addressing various sustainability
dengan pendekatan yang proaktif dan terintegrasi. Tantangan issues through a proactive and integrated approach. Social and
sosial dan lingkungan mendorong Bank untuk menerapkan environmental challenges drive the Bank to implement eco-
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Penjelasan Direksi
The Board of Directors remark
praktik bisnis yang ramah lingkungan, meningkatkan kontribusi friendly business practices, enhance its social contributions, Implementasi Keberlanjutan pada Tahun 2024 Sustainability Implementation in 2024
terhadap aspek sosial, serta memperkuat peningkatan kapasitas and strengthen internal capacity building to support the Direksi telah berupaya menyelaraskan aspek ekonomi, sosial, The Board of Directors has strived to align economic, social,
intern guna mendukung implementasi prinsip keberlanjutan. implementation of sustainability principles. dan lingkungan, yang diwujudkan dalam berbagai pencapaian and environmental aspects, which have been realized through
sebagai berikut: various achievements as follows:
Melalui penerapan praktik bisnis yang bertanggung jawab, Through the adoption of responsible business practices, the
Bank akan terus beradaptasi terhadap dinamika global dan Bank will continue to adapt to global dynamics and ensure that 1. Aspek Ekonomi 1. Economic Aspect
memastikan bahwa setiap langkah yang diambil selaras dengan every step taken aligns with the goals of responsible, inclusive, Bank mencatat peningkatan pendapatan bunga bersih sebesar The Bank recorded a 12.15% increase in net interest income,
tujuan pembangunan ekonomi yang bertanggung jawab, inklusif, and sustainable economic development. 12,15%, dari Rp255 miliar menjadi Rp286 miliar di tahun 2024, rising from Rp255 billion to Rp286 billion in 2024, supported
dan berkelanjutan. didukung oleh peningkatan penyaluran kredit dari Rp3.716 miliar by an increase in loan disbursement from Rp3,716 billion in
pada tahun 2023 menjadi Rp4.140 miliar di tahun 2024. Bank 2023 to Rp4,140 billion in 2024. The Bank successfully raised
Komitmen terhadap Keberlanjutan Commitment to Sustainability berhasil menghimpun Dana Pihak Ketiga (DPK) sebesar Rp3.103 Third-Party Funds (DPK) amounting to Rp3,103 billion in 2024,
Bank senantiasa memperkuat komitmennya terhadap The Bank continues to strengthen its commitment to sustainability miliar di tahun 2024 meningkat dibanding tahun sebelumnya an increase from Rp2,701 billion in the previous year. Profit for
keberlanjutan dengan menyesuaikan layanan perbankan by adapting banking services to evolving customer behaviors, sebesar Rp2.701 miliar. Laba Tahun Berjalan di tahun 2024 the Year in 2024 grew 61.28%, from Rp49 billion to Rp79 billion.
terhadap perubahan perilaku nasabah, terutama dalam particularly in the use of digital services. Through innovation and naik 61,28% dari Rp49 miliar menjadi Rp79 miliar. Selain itu, Additionally, the Bank will continue to improve credit quality in
penggunaan layanan digital. Melalui inovasi dan digitalisasi, digitalization, the Bank strives to provide more efficient, fast, and Bank akan terus memperbaiki kualitas kredit seiring dengan line with the establishment of Allowance for Impairment Losses
Bank berupaya menghadirkan solusi keuangan yang lebih efisien, secure financial solutions while promoting Financial Literacy and pembentukan Cadangan Kerugian Penurunan Nilai (CKPN) sesuai (CKPN) in accordance with regulatory requirements.
cepat, dan aman, sekaligus mendorong Literasi dan Inklusi Inclusion as well as operational sustainability amid the dynamic dengan ketentuan regulator.
Keuangan serta keberlanjutan operasional di tengah dinamika banking industry.
industri perbankan. 2. Aspek Lingkungan 2. Environmental Aspect
Komitmen Bank dalam aspek lingkungan diwujudkan melalui The Bank’s commitment to environmental aspects is
Pencapaian Kinerja Keberlanjutan Sustainability Performance Achievements kajian mendalam terhadap calon debitur, dengan prioritas demonstrated through a thorough assessment of prospective
Bank menyalurkan kredit ke sektor produktif, baik kepada UMKM The Bank provides credit to productive sectors, including MSMEs pada usaha yang termasuk dalam Ketegori Kegiatan Usaha debtors, prioritizing businesses classified under the Sustainable
maupun sektor Korporasi, terutama bagi pelaku usaha yang and the Corporate sector, particularly for business operators Berkelanjutan seperti pabrik pengolahan kelapa, pabrik Business Activities Category, such as coconut processing
menjalankan operasional bisnis yang termasuk dalam kategori whose activities fall under the category of Sustainable Business pengolahan pupuk organik, dan sebagainya. Bank juga terus plants, organic fertilizer production facilities, and others. The
Kegiatan Usaha Berkelanjutan (KKUB). Pada tahun 2024, Bank Activities (KKUB). In 2024, the Bank successfully disbursed Rp222 melakukan upaya efisiensi dengan menerapkan konsep paperless Bank also continues to enhance efficiency by implementing a
berhasil menyalurkan kredit ke sektor KKUB sebesar Rp222 billion in credit to the KKUB sector, equivalent to 5.36% of the untuk mengurangi penggunaan kertas, serta mengoptimalkan paperless concept to reduce paper usage while optimizing water,
miliar atau setara dengan 5,36% dari total kredit. Dalam upaya total credit. To improve its portfolio and services for customers, penghematan air, listrik, dan aspek operasional lainnya. electricity, and other operational savings. Additionally, the Bank
meningkatkan portofolio dan layanan kepada nasabah, Bank the Bank has launched several new products and services, such Selain itu, Bank telah menggunakan tiga mobil hibrida dalam has integrated three hybrid vehicles into its operations as a
telah meluncurkan sejumlah produk dan layanan baru, antara as STAR Multipurpose Credit, Double STAR Deposits, STAR Plan operasionalnya sebagai langkah nyata berkontribusi dalam tangible step toward reducing carbon emissions and supporting
lain Kredit STAR Multiguna, Deposito Double STAR, Tabungan Term Savings, as well as Internet Banking, Business Internet upaya mengurangi emisi karbon dan mendukung keberlanjutan environmental sustainability.
Berjangka STAR Plan, serta layanan Internet Banking , Internet Banking, and Mobile Banking services equipped with BI-Fast lingkungan.
Banking Bisnis , dan Mobile Banking yang dilengkapi fitur layanan transaction features. The Business Internet Banking service
transaksi BI-Fast dan pada layanan Internet Banking Bisnis telah is also enhanced with SKN/RTGS transfer features. The Bank 3. Aspek Sosial 3. Social Aspect
dilengkapi juga dengan fitur transfer SKN/RTGS. Bank juga telah has introduced a Hotline Contact Center, Hello BOII 150707, Sepanjang tahun 2024, Bank terus menunjukkan komitmennya Throughout 2024, the Bank consistently demonstrated its
menghadirkan layanan Hotline contact center Hello BOII 150707 and updated its website interface, now featuring the Chatbot dalam menjalankan berbagai program Tanggung Jawab Sosial commitment to implementing various Social and Environmental
serta memperbarui tampilan situs web yang kini dilengkapi Trustworthy and Responsive Assistance (TAARA) to provide dan Lingkungan (TJSL) yang selaras dengan Tujuan Pembangunan Responsibility (TJSL) programs aligned with the Sustainable
dengan Chatbot Trustworthy And Responsive Assistance simple answers to customer inquiries or complaints about the Berkelanjutan (TPB). Berbagai inisiatif telah dilaksanakan untuk Development Goals (SDGs). Several initiatives have been carried
(TAARA) untuk membantu memberikan jawaban sederhana atas Bank’s products and services. memberikan dampak positif bagi masyarakat dan lingkungan, out to create a positive impact on society and the environment,
pertanyaan atau pengaduan nasabah terkait produk dan layanan di mana pada tahun 2024 Bank telah menyalurkan dana TJSL with the Bank allocating Rp289 billion in TJSL funds in 2024.
Bank. sebesar Rp289 miliar.
Selain itu, Bank juga telah menyalurkan dana Tanggung Jawab In addition, the Bank has disbursed Rp289 million in Social Dalam bidang edukasi keuangan (TPB 4 & TPB 8), Bank memiliki In the field of financial education (SDG 4 & SDG 8), the Bank
Sosial dan Lingkungan (TJSL) sebesar Rp289 juta sebagai wujud and Environmental Responsibility (TJSL) funds as a form of program tahunan dalam rangka untuk meningkatkan Literasi has an annual program aimed at improving Financial Literacy
komitmen untuk berkontribusi dalam pembangunan ekonomi commitment to contribute to sustainable economic development, dan Inklusi Keuangan bagi Konsumen dan Masyarakat yang and Inclusion for Consumers and the Community, conducted at
berkelanjutan, guna meningkatkan kualitas kehidupan dan with the aim of improving the quality of life and environment for dilaksanakan paling sedikit 1 kali dalam 1 Semester. Melalui least once per semester. Through this program, the community is
lingkungan yang bermanfaat bagi Bank, komunitas setempat, the benefit of the Bank itself, the local community, and society program ini, masyarakat diberikan pemahaman yang lebih baik provided with a better understanding of financial management,
maupun masyarakat luas. at large. tentang pengelolaan keuangan, investasi, serta pentingnya investment, and the importance of prudent financial planning.
perencanaan keuangan yang bijak.
Tantangan dalam Penerapan Keuangan Berkelanjutan Challenges in Implementing Sustainable Finance
Divisi Human Capital menghadapi tantangan dalam meningkatkan The Human Capital Division faces challenges in enhancing Di bidang kesehatan (TPB 3), Bank secara rutin setiap tahun In the field of health (SDG 3), the Bank collaborates annually with
kompetensi karyawan di Bidang Keuangan Berkelanjutan serta employee competencies in Sustainable Finance and integrating menjalin kerja sama dengan Palang Merah Indonesia (PMI) the local Indonesian Red Cross (PMI) to organize blood donation
mengimplementasikan prinsip-prinsip Keuangan Berkelanjutan its principles into the Bank’s business operations. Strengthening setempat dalam penyelenggaraan kegiatan donor darah yang activities open to both employees and customers. These activities
dalam operasional bisnis Bank. Penguatan kapasitas di bidang capacity in this area requires continuous training programs to terbuka bagi karyawan maupun Nasabah. Kegiatan ini tidak aim not only to help fulfill the community’s blood supply needs
ini memerlukan program pelatihan yang berkelanjutan agar ensure that all employees, especially decision-makers, develop hanya bertujuan untuk membantu pemenuhan kebutuhan darah but also to raise awareness of the importance of sharing and
setiap karyawan, terutama pengambil keputusan, memiliki a deep understanding of environmental, social, and governance bagi masyarakat yang membutuhkan, tetapi juga mendorong adopting a healthy lifestyle.
pemahaman mendalam mengenai aspek lingkungan, sosial, dan (ESG) aspects. peningkatan kesadaran akan pentingnya semangat berbagi serta
tata kelola (LST). penerapan gaya hidup sehat.
Selain itu, membangun budaya kerja yang mendukung Additionally, fostering a work culture that supports sustainability Dalam mendukung pertumbuhan usaha mikro, kecil, dan In supporting the growth of micro, small, and medium enterprises
keberlanjutan serta mendorong keterlibatan karyawan dalam and encouraging employee engagement in sustainability menengah (UMKM) (TPB 8 & TPB 9), Bank berperan aktif dalam (MSMEs) (SDG 8 & SDG 9), the Bank actively strengthens the
inisiatif keberlanjutan menjadi tantangan tersendiri. Sebagai initiatives present unique challenges. As a strategic approach, memperkuat ekosistem bisnis melalui pendampingan, akses business ecosystem through mentoring, access to financing,
langkah strategis, Divisi Human Capital secara bertahap konsisten the Human Capital Division consistently develops education permodalan, serta program pelatihan kewirausahaan melalui and entrepreneurship training programs via financial education
mengembangkan program edukasi, peningkatan kapasitas, serta programs, capacity-building initiatives, and policies aligned with kegiatan edukasi keuangan. Dengan langkah ini, Bank membantu initiatives. Through these efforts, the Bank helps improve MSME
kebijakan yang sejalan dengan visi keberlanjutan Bank guna the Bank’s sustainability vision to ensure the seamless integration meningkatkan daya saing UMKM agar lebih berkelanjutan dan competitiveness, ensuring their sustainability and greater
memastikan integrasi prinsip keberlanjutan dalam seluruh aspek of sustainability principles across all operational aspects. mampu berkontribusi lebih besar terhadap perekonomian contribution to the national economy.
operasional. nasional.
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Penjelasan Direksi
The Board of Directors remark
Di sisi lingkungan hidup (TPB 13 & TPB 15), Bank berkomitmen On the environmental front (SDG 13 & SDG 15), the Bank is Penjelasan situasi eksternal ekonomi, lingkungan hidup, dan Explanation of External Economic, Environmental, and Social
untuk mendukung upaya pelestarian lingkungan melalui committed to supporting environmental conservation efforts by sosial yang berpotensi mempengaruhi keberlanjutan Bank Conditions Affecting the Bank’s Sustainability
penerapan prinsip efisiensi dan tanggung jawab dalam applying principles of efficiency and responsibility in all aspects of Pada tahun pelaporan, kondisi ekonomi global masih menghadapi During the reporting year, the global economy continued to face
setiap aspek operasional. Bank secara konsisten mendorong its operations. The Bank consistently encourages the optimization tantangan akibat ketidakpastian geopolitik, inflasi yang challenges due to geopolitical uncertainty, volatile inflation,
optimalisasi penggunaan sumber daya, peningkatan efisiensi of resource utilization, energy efficiency improvements, and fluktuatif, serta kebijakan moneter ketat di berbagai negara. Di and tight monetary policies in various countries. Domestically,
energi, serta upaya pengurangan dampak lingkungan dari efforts to reduce the environmental impact of business activities. tingkat domestik, pertumbuhan ekonomi Indonesia tetap stabil, Indonesia’s economic growth remained stable, supported by
aktivitas bisnis. Langkah ini merupakan bagian dari kontribusi This approach is part of the Bank’s contribution to responsibly didukung oleh konsumsi rumah tangga dan investasi, namun household consumption and investment. However, external
Bank dalam mendukung pencapaian Tujuan Pembangunan achieving the Sustainable Development Goals. masih dihadapkan pada tekanan eksternal seperti volatilitas nilai pressures such as currency exchange rate volatility and interest
Berkelanjutan secara bertanggung jawab. tukar dan ketidakpastian suku bunga. Dari perspektif lingkungan rate uncertainty persisted. From an environmental perspective,
hidup, regulasi terkait keuangan berkelanjutan semakin financial sustainability regulations have become more stringent
Selain itu, Bank juga berperan dalam meningkatkan Furthermore, the Bank contributes to improving community diperketat dengan penerapan Taksonomi Hijau Indonesia (THI) with the implementation of the Indonesian Green Taxonomy
kesejahteraan masyarakat melalui berbagai program tanggung welfare through various corporate social responsibility (CSR) dan kebijakan transisi energi. Hal ini mendorong perbankan (THI) and energy transition policies. This has encouraged banks
jawab sosial perusahaan (CSR) dan pemberdayaan komunitas di programs and community empowerment initiatives in the untuk menyesuaikan strategi bisnis guna mengakomodasi to adjust their business strategies to accommodate green
lingkungan sekitar. (TPB 1 & TPB 10). Berbagai inisiatif, seperti surrounding areas (SDG 1 & SDG 10). Various initiatives, such as pembiayaan hijau dan mendukung sektor yang berkontribusi financing and support sectors that contribute to climate change
pemberian donasi kepada yayasan sosial, bantuan untuk donations to social foundations, assistance for natural disaster terhadap mitigasi perubahan iklim. mitigation.
penanganan bencana alam, pemberdayaan perempuan melalui relief, women’s empowerment in collaboration with the Family
kerja sama dengan Pemberdayaan Kesejahteraan Keluarga (PKK), Welfare Empowerment (PKK), and other inclusive programs, Sementara itu, dari aspek sosial, Perbankan dihadapkan Meanwhile, in the social aspect, the Banking industry faces
serta program inklusif lainnya, dilaksanakan sebagai upaya are implemented as efforts to reduce social inequality, promote pada tuntutan peningkatan Literasi dan Inklusi Keuangan dan increasing demands for financial literacy and inclusion and digital
untuk mengurangi kesenjangan sosial, mendorong kemandirian economic self-reliance among communities, and improve digitalisasi layanan. Perubahan perilaku nasabah, peningkatan service expansion. Changes in customer behavior, increased
ekonomi masyarakat, serta meningkatkan kepedulian terhadap environmental awareness. adopsi teknologi digital, serta kebutuhan akan produk adoption of digital technology, and the need for sustainable
lingkungan. dan layanan keuangan yang berkelanjutan menjadi faktor financial products and services are critical factors in determining
penting dalam menentukan strategi bisnis ke depan. Dengan future business strategies. Considering these factors, the Bank
Lebih dari itu, sebagai bagian dari komitmennya terhadap Moreover, as part of its commitment to digital transformation and mempertimbangkan faktor-faktor tersebut, Bank berkomitmen remains committed to adapting to economic, environmental,
transformasi digital dan peningkatan Literasi dan Inklusi improving Financial Literacy and Inclusion, the Bank continues untuk terus beradaptasi terhadap dinamika ekonomi, lingkungan, and social dynamics while reinforcing the implementation of
keuangan, Bank terus berinvestasi dalam pengembangan sumber to invest in human resource (HR) development. Through various dan sosial, serta memperkuat penerapan prinsip keuangan sustainable finance principles to create long-term value for
daya manusia (SDM). Melalui berbagai program pelatihan dan training programs and innovations, the Bank ensures that its berkelanjutan guna menciptakan nilai jangka panjang bagi para stakeholders.
inovasi, Bank memastikan bahwa tenaga kerja yang dimiliki siap workforce is prepared to face future challenges and capable of pemangku kepentingan.
menghadapi tantangan masa depan dan mampu beradaptasi adapting to technological changes in the financial sector.
dengan perubahan teknologi di sektor keuangan. Apresiasi Appreciation
Dewan Direksi menyampaikan apresiasi yang setinggi-tingginya The Board of Directors expresses its highest appreciation to
Dengan berbagai inisiatif ini, Bank tidak hanya berkontribusi With these various initiatives, the Bank not only contributes kepada seluruh pemegang saham, nasabah, mitra bisnis, serta all shareholders, customers, business partners, and other
dalam mendukung pertumbuhan ekonomi dan kesejahteraan to economic growth and social well-being but also actively pemangku kepentingan lainnya atas dukungan, kepercayaan, stakeholders for their support, trust, and cooperation throughout
sosial, tetapi juga berperan aktif dalam menjaga keseimbangan maintains environmental balance, in line with its sustainability dan kerja sama yang diberikan sepanjang tahun pelaporan. the reporting year. The Board of Directors also extends its
lingkungan, sejalan dengan visi keberlanjutan yang diusungnya. vision. Dewan Direksi juga berterima kasih kepada jajaran manajemen gratitude to the management and all employees for their
dan seluruh karyawan atas dedikasi, profesionalisme, serta dedication, professionalism, and contributions in maintaining
Target Keberlanjutan Tahun 2024 Sustainability Targets for 2024 kontribusi mereka dalam menjaga kinerja Bank di Tengah the Bank’s performance amidst various challenges.
Di tahun 2024, pengembangan kapasitas internal terkait In 2024, internal capacity development related to Sustainable berbagai tantangan yang ada.
Keuangan Berkelanjutan akan lebih difokuskan melalui Finance will be further emphasized through socialization,
sosialisasi, pelatihan, dan workshop yang diadakan oleh pihak training, and workshops conducted by both internal and external Dewan Direksi optimis bahwa dengan komitmen bersama, The Board of Directors remains optimistic that through collective
internal maupun eksternal. Bank juga akan berkomunikasi aktif parties. The Bank will also engage actively with regulators inovasi yang berkelanjutan, serta sinergi antara seluruh commitment, continuous innovation, and synergy among all
dengan regulator untuk mendapatkan pendampingan dalam for guidance in sustainability implementation. Monitoring, pemangku kepentingan, Bank dapat terus bertumbuh secara stakeholders, the Bank can continue to grow sustainably and
implementasi keberlanjutan. Sistem pemantauan, evaluasi, dan evaluation, and risk mitigation systems will also be strengthened, berkelanjutan dan memberikan dampak positif bagi Masyarakat provide a positive impact on society and Indonesian economy.
mitigasi risiko juga akan diperkuat, seiring dengan penggantian along with the replacement of the Core Banking System (CBS) to serta perekonomian Indonesia.
Core Banking System (CBS) yang baru untuk mendukung support Sustainable Finance implementation.
penerapan Keuangan Berkelanjutan.
Manajemen Risiko Risk Management
Bank menerapkan sistem Manajemen Risiko yang independen The Bank implements an independent Risk Management system
sesuai dengan ketentuan Otoritas Jasa Keuangan (OJK), Bank in accordance with OJK regulations, Bank Indonesia policies, and
Indonesia, serta praktik terbaik perbankan nasional. Konsep national banking best practices. The Enterprise Risk Management
Enterprise Risk Management (ERM) diterapkan sebagai (ERM) concept is used as a comprehensive and integrated risk Atas Nama Direksi
strategi pengelolaan risiko yang komprehensif dan terintegrasi. management strategy. Risk oversight is conducted by the Board On Behalf of Board of Directors
Pengawasan terhadap pelaksanaan manajemen risiko dilakukan of Directors and the Board of Commissioners through various
secara berkesinambungan oleh Direksi dan Dewan Komisaris committees such as the Risk Monitoring Committee and the
melalui komite-komite yang berada di bawah koordinasi Direksi Audit Committee.
dan Dewan Komisaris guna memastikan efektivitas penerapan
sistem manajemen risiko di seluruh lini organisasi.
Pemanfaatan Peluang dan Prospek Usaha Leveraging Opportunities and Business Prospects
JAYAPRAKASH BHARATHAN
Dengan transisi dari core banking konvensional ke sistem With the transition from conventional core banking to a digital
Direktur Utama
digital, Bank optimis dalam menjalankan strategi sebagai hybrid system, the Bank remains optimistic in executing its strategy as a
President Director
banking yang menggabungkan teknologi digital dengan layanan hybrid bank that integrates digital technology with conventional
konvensional. services.
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05 TATA KELOLA KEBERLANJUTAN Sustainability Governance
Page 151
Tata Kelola Keberlanjutan
Sustainability Governance
Bank memiliki Visi dan Misi keuangan berkelanjutan yang sejalan
dengan Visi dan Misi utama Bank yang disesuaikan dengan
The Bank had a Vision and Mission of sustainable finance
that is aligned with the main Vision and Mission of the INDEKS TABEL TATA KELOLA KEBERLANJUTAN
prinsip-prinsip keuangan berkelanjutan, sehingga penerapan Bank which is adjusted to the principles of sustainable SUSTAINABILITY GOVERNANCE TABLE INDEX
Tata Kelola Keberlanjutan pun berjalan ke arah yang sama. Bank finance, thus the Sustainability Governance implementation
Berkomitmen untuk menerapkan prinsip tata kelola Perusahaan also has the same direction. The Bank was committed to Tata Kelola Keberlanjutan Bank dapat dilihat pada halaman The Sustainable Governance of the Bank can be seen on the page
yang Baik atau (Good Corporate Governance/GCG) yang implementing Good Corporate Governance (GCG) principles sesuai indeks tabel di bawah ini: according to the table index below:
terdiri dari transparansi, akuntabilitas, pertanggungjawaban, consisting of transparency, accountability, responsibility,
kemandirian, dan kewajaran sesuai Peraturan Otoritas Jasa independence, and fairness in accordance with Financial
Indeks / index Keterangan / Description Halaman / Page
Keuangan No. 17 tahun 2023 tentang Penerapan Tata Kelola bagi Services Authority Regulation No. 17 tahun 2023 concerning
Bank Umum. the Implementation of Governance for Commercial Banks.
Tata Kelola Perusahaan / Good Corporate Governance
Principle of Openness
Prinsip Keterbukaan The Bank always applies Good Corporate Governance in
Bank selalu menerapkan Tata Kelola perusahaan yang baik di every implementation of its business activities and always Penjelassan Direksi terkait Kinerja Keberlanjutan
5.a 290
Board of Directors Explanation on Sustainability Performance
setiap pelaksanaan kegiatan usahanya dan selalu memberikan provides clear information related to business activities
informasi yang jelas terkait dengan kegiatan usaha maupun and products offered to Stakeholders so that they will get Tugas Direksi dan Dewan Komisaris terkait Kinerja Keberlanjutan
produk yang ditawarkan kepada para Pemangku Kepentingan more value in conducting their cooperation with the Bank. 5.b Board of Directors and Board of Commissioners’ Duties Regarding 274
sehingga akan memperoleh nilai yang lebih dalam melakukan Sustainability Performance
hubungan kerjasamanya dengan Bank.
Accountability Principle 5.c
Penjelasan mengenai Pengembangan Kompetensi Sumber Daya Manusia
76
Prinsip Akuntabilitas The Bank has clear functions, structures, systems and Human Resource Competency Development Explanation
Bank telah memiliki fungsi, struktur, sistem dan responsibilities from all parts of the Bank so that there is a
pertanggungjawaban yang jelas dari seluruh bagian dalam Bank separation between obligations and authorities between Penjelasan mengenai Prosedur Bank dalam Mengelola Risiko
5.d 180
sehingga terdapat pemisahan antara kewajiban dan wewenang Shareholders, the Board of Commissioners and the Board of Bank Procedures in Managing Risk Explanation
antara Pemegang Saham, Dewan Komisaris dan Direksi. Directors.
Keterlibatan Pemangku Kepentingan Berdasarkan Hasil Penilaian
Responsibility Principle 5.e 127
Stakeholder Engagement Based on Assessment Results
Prinsip Pertanggungjawaban The Bank always guides and complies with every provision,
Bank selalu berpedoman dan mematuhi setiap ketentuan, applicable legislation in carrying out Bank activities, as a form of Pendekatan yang Digunakan Bank dalam Melibatkan Pemangku
perundang-undangan yang berlaku dalam melakukan aktivitas the Bank’s responsibility to Stakeholders. 5.f Kepentingan 27
Bank, sebagai salah satu bentuk tanggung jawab Bank terhadap Bank Approaches in Involving Stakeholders
Pemangku Kepentingan. Permasalahan yang Dihadapi Perkembangan dan Pengaruh Terhadap
Independence Principle 5.g
Penerapan Keuangan Berkelanjutan
290
Prinsip Kemandirian (Independensi) To maintain independence, every Bank activity is carried out Development Problems and Impact Against Sustainable Finance
Untuk menjaga independensi, maka dalam setiap kegiatan professionally, without any conflict of interest or interference Implementation
Bank dilakukan secara profesional, tanpa adanya benturan from other parties, so that it can be accounted for.
kepentingan maupun gangguan dari pihak lain, sehingga hal
tersebut dapat dipertanggungjawabkan.
Principles of Equality and Fairness
Prinsip Kesetaraan dan Kewajaran In order to achieve equality and fairness, in carrying out
Untuk tercapainya kesetaraan dan kewajaran, maka dalam its business activities the Bank adheres to the principles of
pelaksanaan kegiatan usahanya Bank berpegang pada prinsip prudence and fairness and fairness in meeting the needs of the
kehati-hatian dan kewajaran serta adil dalam memenuhi Stakeholders, which is reflected in the majority of the Directors
kebutuhan dari para Stakeholders, di mana hal ini tercermin dari who are independent and have no relationship with other
mayoritas Direksi yang independen dan tidak memiliki hubungan Directors, other members of the Board of Commissioners, and/
keuangan dan hubungan keluarga dengan Direksi lain, anggota or Controlling Shareholders of the Bank.
Dewan Komisaris lain, dan/atau Pemegang Saham Pengendali
Bank.
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Tata Kelola Keberlanjutan
Sustainability Governance
PENGEMBANGAN KOMPETENSI 4. Bank masih fokus dalam menyelesaikan kredit bermasalah
dan berupaya menekan agar tidak terjadinya kredit
4. The Bank was still focused on resolving non-performing
loans and trying to minimize the occurrence of new non-
COMPETENCY DEVELOPMENT
bermasalah yang baru; performing loans;
Dalam mendukung pelaksanaan program Keuangan Berkelanjutan, In supporting the Sustainable Finance program implementation, 5. Infrastruktur sistem teknologi Informasi masih dalam tahap 5. Information technology system infrastructure is still in
Bank menitikberatkan pada pengembangan kompetensi dan the Bank focuses on developing the competencies and skills pengembangan pasca live migrasi CBS baru. the development stage after the new CBS live migration.
keterampilan sumber daya manusia dengan berbagai program of its human resources with various programs designed by
yang dirancang oleh Divisi Human Capital atas persetujuan Direksi the Human Capital Division with the approval of the Board of Program dalam pengembangan kompetensi dan keterampilan The development of human resource (HR) competencies
baik melalui inhouse training maupun public training. Directors through both in-house training and public training.
sumber daya manusia (SDM) yang menjadi prioritas bagi Bank and skills which is a priority for the Bank and supported by
Pengembangan kompetensi dan keterampilan karyawan Competency and skill development for employees was dan didukung dengan adanya proses penggantian Core Banking the process of replacing the new Core Banking System (CBS),
dialokasikan sebesar Rp15 juta yang sudah termasuk dalam allocated Rp15 million which was included in the education System (CBS) yang baru, diharapkan dengan dukungan teknologi it is expected that the support of a qualified information
anggaran biaya pendidikan, di mana melibatkan Satuan Kerja budget, involving the relevant working units consisting sistem informasi yang mumpuni dapat membantu dan/atau system technology could help and/or facilitate the Related
Terkait yang terdiri dari Divisi Corporate Planning and Product, of Corporate Planning and Product Division, Human mempermudah Satuan Kerja Terkait dalam pengembangan Work Units in the development of sustainable financial
Divisi Human Capital, Divisi Bisnis, Divisi Manajemen Risiko dan Capital Division, Business Division, Risk Management and
Kepatuhan, Divisi Credit Support, dan Divisi IT. Compliance Division, Credit Support Division, and IT Division. produk dan layanan jasa keuangan Berkelanjutan maupun products and services and other activities such as the
kegiatan lainnya seperti pengembangan aplikasi pelatihan development of online-based training applications (e-learning).
MITIGASI RISIKO berbasis online (e-learning).
RISK MITIGATION
Dalam upaya melakukan mitigasi risiko, Bank berkomitmen In an effort to mitigate risks, the Bank is committed to
untuk menerapkan prinsip keuangan berkelanjutan yang implementing sustainable finance principles that integrate TINDAK LANJUT STRATEGI KEBERLANJUTAN
mengintegrasikan risiko Lingkungan, Sosial, dan Tata Kelola SUSTAINABLE STRATEGIES FOLLOW-UP
(LST) dalam mengelola produk dan layanan jasa Keuangan Environmental, Social, and Governance (ESG) risks in managing
Berkelanjutan berdasarkan empat pilar penerapan manajemen Sustainable Finance products and services based on four pillars
Di tahun 2024, Bank melalui Divisi Human Capital akan lebih In 2024, the Bank through the Human Capital Division will focus
risiko yaitu sebagai berikut: of risk management implementation, which are as follows: fokus pada pengembangan kapasitas intern terkait implementasi more on developing internal capacity on the implementation
1. Pengawasan aktif Dewan Komisaris dan Direksi terhadap 1. The Board of Commissioners and Board of Directors actively Keuangan Berkelanjutan baik melalui sosialisasi/pelatihan/ of Sustainable Finance either through disseminations/training/
penerapan Keuangan Berkelanjutan; supervise the Sustainable Finance implementation; workshop dan kegiatan lainnya baik yang diadakan oleh pihak workshops or other activities held by internal parties, regulators
2. Kecukupan kebijakan, prosedur, dan penetapan limit; 2. Adequacy of policies, procedures and limit setting; internal, regulator maupun pihak eksternal. and external parties.
3. Kecukupan proses identifikasi, pengukuran, pemantauan, 3. Adequacy of risk identification, measurement, monitoring
dan pengendalian risiko, serta sistem informasi manajemen and control processes, as well as risk management
risiko; information systems;
4. Kecukupan sistem pengendalian internal. 4. Adequacy of internal control system.
PEMANGKU KEPENTINGAN
STAKEHOLDERS
Menyediakan produk dan layanan jasa keuangan dalam Providing financial products and services to meet the various
memenuhi berbagai kebutuhan bagi para Pemangku Kepentingan needs of Stakeholders was very important to prioritize, because
merupakan hal yang sangat penting untuk diprioritaskan, karena Stakeholders have a major contribution to business continuity.
para Pemangku Kepentingan memiliki kontribusi besar dalam
kelangsungan usaha.
Bank senantiasa menyediakan layanan unggulan yang berfokus The Bank always provides excellent services that focus
pada prinsip kehati-hatian Bank dan tata kelola perusahaan yang on the Bank’s prudent principles and good corporate
baik untuk meningkatkan nilai bagi para pemangku kepentingan governance to increase value for stakeholders by using the
dengan menggunakan sumber daya yang dimiliki, menerapkan resources owned, implementing appropriate communication
strategi komunikasi yang tepat, dapat dipertanggungjawabkan, strategies, accountable, and in accordance with the
serta tidak bertentangan dengan ketentuan sebagaimana diatur provisions as stipulated in the prevailing laws and regulations.
dalam peraturan perundang-undangan yang berlaku.
KENDALA
OBSTACLES
Seiring dengan perkembangan bisnis bank, Bank berupaya As the Bank’s business develops, the Bank strives to synergize
untuk dapat mensinergikan strategi bisnisnya dengan strategi its business strategy with the sustainability strategy to be
keberlanjutan yang akan diimplementasikan. Namun dalam implemented. However, in its implementation, several obstacles
pelaksanaannya, beberapa kendala yang menjadi perhatian Bank that have become the Bank’s concern to be followed up are as
untuk ditindaklanjuti adalah sebagai berikut: follows:
1. Belum tersedianya Sumber Daya Manusia yang ahli di 1. Unavailability of Human Resources who are experts in
bidang Keuangan Berkelanjutan; Sustainable Finance;
2. Kesulitan dalam memperoleh data dan informasi yang 2. Difficulty in obtaining data and information needed in
dibutuhkan dalam menerapkan keuangan berkelanjutan; implementing sustainable finance;
3. Membutuhkan waktu dan biaya yang cukup besar; 3. Requires considerable time and cost;
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MEMBANGUN BUDAYA KEBERLANJUTAN Selain itu, Bank juga mengikutsertakan karyawan pada BPJS
Ketenagakerjaan yang terdiri dari jaminan kecelakaan kerja,
The Bank also includes employees in the Employment BPJS
which consists of work accident insurance, death insurance,
BUILDING SUSTAINABILITY jaminan kematian, jaminan hari tua dan jaminan pensiun. old age insurance and pension insurance. This is in accordance
Hal ini sesuai dengan ketentuan perundang-undangan untuk with statutory provisions to ensure the security and certainty
Sejalan dengan regulasi, penerapan keuangan berkelanjutan In accordance with the regulation, sustainable finance menjamin adanya keamanan dan kepastian bagi karyawan for employees against socio-economic risks. Another benefit
pada Bank melibatkan beberapa satuan kerja terkait yang implementation in the Bank involves several related terhadap risiko sosial ekonomi. Benefit lain yang diberikan oleh provided by the Bank to guarantee employee welfare in
terdiri dari Divisi Corporate Planning dan Product, Divisi work units consisting of Corporate Planning and Product Bank untuk menjamin kesejahteraan karyawan di masa pensiun retirement is the provision of pension funds to permanent
Human Capital, Divisi Bisnis, Divisi Risiko dan Kepatuhan, Division, Human Capital Division, Business Division, Risk ialah pemberian dana pensiun kepada karyawan tetap dengan employees by including employees in the Financial Institution
Divisi Credit Support dan Divisi IT yang diawasi langsung and Compliance Division, Credit Support Division and IT mengikutsertakan karyawan pada program Dana Pensiun Pension Fund (DPLK) program. In addition, through the Welfare
oleh Direksi dan dikomunikasikan kepada Para Pemangku Division which are directly supervised by the Board of Lembaga Keuangan (DPLK). Selain itu, melalui Komite Welfare, Committee, the Bank also provides facilities for several employee
Kepentingan Bank dalam hal menyusun strategi, kerangka Directors and communicated to the Bank’s Stakeholders in Bank juga menyediakan fasilitas untuk beberapa kegiatan activities in channeling talents and hobbies in the form of:
kerja, pelaksanaan Rencana Aksi Keuangan Berkelanjutan terms of developing strategies, frameworks, implementing karyawan dalam menyalurkan bakat dan hobi berupa:
(RAKB) serta menyusun Laporan Keberlanjutan. the Sustainable Finance Action Plan (SFAP) and preparing
1. Olahraga Futsal 1. Indoor Football
Sustainability Reports.
2. Olahraga Tennis Meja 2. Table Tennis
3. Olahraga Bulu Tangkis 3. Badminton
KINERJA EKONOMI 4. Touring 4. Touring
ECONOMIC PERFORMANCE
Dalam Jutaan Rupiah / In Million Rupiah Di tahun 2024, Bank menyelenggarakan beberapa kegiatan In 2024, the Bank organized several such as Blood Donors,
seperti Donor Darah, Pemberian Beasiswa, Edukasi Keuangan Awarding Scholarship, Financial Education activities to increase
Uraian / Description 2024 2023 2022 untuk meningkatkan Literasi dan Inklusi Keuangan di Sektor Jasa Financial Literacy and Inclusion in the Financial Services Sector.
Keuangan. Bersama Komite Welfare, penyelenggaraan kegiatan Together with the Welfare Committee, this Financial Education
Total Aset / Total Assets 6.815.157 6.128.562 6.060.046
Edukasi Keuangan ini bekerja sama dengan Pihak lain seperti: activity is organized in collaboration with other parties such as:
Kredit / Loans 4.140.311 3.716.154 2.505.160
1. Kelompok Pemberdayaan Kesejahteraan Keluarga (PKK) 1. Family Welfare Empowerment Group (PKK) Kartini Sawah
Dana Pihak Ketiga / Third Party Funds 3.102.706 2.700.802 2.372.540 Kelurahan Kartini, Kecamatan Sawah Besar, Jakarta Pusat; Besar Village, Central Jakarta;
Pendapatan Bunga Bersih / Net Interest Margin (NIM) 285.572 254.643 139.210 2. Sekolah SMK Negeri 3 Jakarta; 2. Sekolah SMK Negeri 3 Jakarta;
Laba (Rugi) Operasional / Operational Profit (Loss) 103.120 60.114 1.600 3. Sekolah SMK Muhammadiyah 1 Jakarta; 3. Sekolah SMK Muhammadiyah 1 Jakarta;
4. Bank Indonesia Kota Medan (Kantor Perwakilan Bank 4. Bank Indonesia Medan City (Representative Office of Bank
Laba Sebelum Pajak / Profit Before Tax 101.315 58.802 6.861
Indonesia Provinsi Sumatera Utara). Indonesia for North Sumatra Province).
Laba Setelah Pajak / Profit After Tax 78.755 48.831 16.590
Penyaluran Kredit di Sektor UMKM / Lending in the MSME Sector 464.499 433.463 358.382 Informasi lebih lanjut mengenai Kegiatan Edukasi Keuangan Further information regarding Financial Education Activities
tahun 2024 dapat dilihat pada Situs Web Bank (www. in 2024 can be seen on the Bank Website (www.boiindonesia.
Penyaluran Kredit di Sektor Kategori Kegiatan Usaha Berkelanjutan (KKUB) /
Lending in the Sustainable Business Activities Category Sector
221.901 172.503 137.007 boiindonesia.co.id) yang dapat dilihat pada halaman 205 pada co.id) which can be found on page 205 under Responsibilities to
bagian Tanggung Jawab kepada Nasabah. Customers.
Persentase Kredit UMKM Terhadap Total Kredit (%) / Percentage of MSME
11,22 11,66 17,08
Loans to Total Loans (%)
Persentase Kredit UMKM Terhadap Total Kredit (%) / Credit Percentage of Bank berkomitmen setiap tahunnya dalam menyalurkan The Bank has committed annually to distribute funds for Social
5,36 4,64 3,69
MSME to Total Credit (%) dana Tanggung Jawab Sosial dan Lingkungan (TJSL) dan/atau and Environmental Responsibility (TJSL) and/or Corporate Social
kegiatan Corporate Social Responsibility (CSR) sebagai sebuah Responsibility (CSR) activities as a form of commitment to the
bentuk komitmen implementasi pada nilai-nilai keberlanjutan implementation of sustainability values in accordance with the
Bank senantiasa berupaya menyalurkan kredit di sektor Kategori The Bank consistently strives to distribute credit in the Sustainable
yang sesuai dengan visi dan misi Bank. Alokasi dana untuk Bank’s vision and mission. The allocation of funds for Social and
Kegiatan Usaha Berkelanjutan (KKUB), dengan salah satu sektor Business Activity Category (KKUB), with one of its priority sectors
Tanggung Jawab Sosial dan Lingkungan (TJSL) / Corporate Environmental Responsibility (TJSL) comes from the allocation
prioritas yaitu penyaluran kredit di Sektor Usaha Mikro, Kecil, being lending to the Micro, Small, and Medium Enterprises
Social Responsibility (CSR) proses penyalurannya melalui Komite of Corporate Social Responsibility (CSR) Funds, which are
dan Menengah (UMKM), yang telah menjadi pilar utama dalam (MSME) sector, which has been a key pillar of Indonesia’s
Welfare maupun Satuan Kerja Terkait yang ditunjuk oleh dan used through the Welfare Committee and Related Work Units
pertumbuhan perekonomian Indonesia. economic growth.
atas persetujuan Direksi di mana nilai besarannya dianggarkan appointed by and approved by The Board of Directors where the
secara “case by case” disesuaikan berdasarkan jenis kategori amount is budgeted on a “case by case” basis is adjusted based
Kinerja ekonomi di tahun 2024 menunjukkan hasil yang positif. The economic performance in 2024 showed positive results.
yang dikategorikan menjadi 4 bidang yaitu: on the type of category categorized into 4 fields, which are:
Bank berhasil memperoleh laba bersih sebesar Rp79 miliar The Bank successfully recorded a net profit of Rp79 billion, an
1. Lingkungan Hidup; 1. Environmental;
lebih besar dari tahun sebelumnya sebesar Rp49 miliar. Jumlah increase from the previous year’s Rp49 billion. The outstanding
2. Ketenagakerjaan, Kesehatan, dan Keselamatan Kerja (K3); 2. Labor, Health, and Safety (K3);
outstanding penyaluran kredit di sektor UMKM dan KKUB credit distribution in the MSME and KKUB sectors also showed
3. Kemasyarakatan, serta; 3. Community, and;
dari tahun ke tahun pun menujukkan peningkatan dari tahun year-on-year growth, rising from Rp433 billion and Rp173
4. Kepada Nasabah. 4. To Customers.
sebelumnya masing-masing sebesar Rp433 miliar dan 173 miliar billion in the previous year to Rp464 billion and Rp222 billion,
menjadi sebesar Rp464 miliar dan Rp222 miliar. Ke Depannya respectively. Moving forward, the Bank will continue to enhance
Bank berupaya memberikan kontribusi dan bersinergi secara Bank will strive to contribute and synergize optimally to
Bank akan terus berupaya untuk meningkatkan penyaluran kredit credit distribution in the Sustainability Sector in line with its
optimal untuk meningkatkan kualitas hidup masyarakat dan improve the quality of life of the community and preserve
di Sektor Keberlanjutan seiring dengan pertumbuhan bisnis Bank future business growth.
menjaga kelestarian lingkungan dengan tetap memperhatikan the environment while taking into account the principles of
di masa depan.
prinsip-prinsip penerapan Tata Kelola Keberlanjutan. Pelaksanaan implementing Sustainability Governance. The implementation of
tanggung jawab sosial dan lingkungan Bank juga mengacu the Bank’s social and environmental responsibilities also refers to
pada visi, misi, serta nilai nilai perusahaan untuk senantiasa the company’s vision, mission and values to always provide the
KINERJA SOSIAL memberikan pelayanan yang terbaik kepada nasabah, tumbuh best service to customers, to grow together with the community
SOCIAL PERFORMANCE bersama masyarakat secara berkelanjutan dan turut serta in a sustainable manner and to participate in protecting the
Terkait kesehatan dan keselamatan kerja bagi karyawan, Bank Regarding occupational health and safety for employees, the menjaga kelestarian lingkungan. environment.
memberikan perlindungan kesehatan melalui pemberian Bank provides health protection through the provision of health
jaminan kesehatan kepada karyawan dan keluarga inti karyawan insurance to employees and employees’ core families in the form
berupa BPJS Kesehatan dan Asuransi Kesehatan. of BPJS Health and Health Insurance.
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Bank berkomitmen untuk melaksanakan program-program
Tanggung Jawab Sosial Perusahaan sebagai bentuk kepedulian
The Bank is committed to implementing Corporate Social
Responsibility programs as a form of the Bank’s concern for social
KINERJA LINGKUNGAN HIDUP
Bank terhadap isu-isu sosial dan lingkungan. Selama tahun 2024, and environmental issues. During 2024, the Bank has distributed ENVIRONMENTAL PERFORMANCE
Bank telah menyalurkan dana sebesar Rp289 juta. funds amounting to Rp289 million.
Kepedulian Bank terkait aspek lingkungan hidup ditunjukkan The Bank’s concern regarding environmental aspects is
Berikut adalah total dana TJSL dan/atau CSR yang telah disalurkan The following was the total cost of TJSL and/or CSR that has been dengan langkah konkret yang diharapkan dapat memberikan demonstrated by concrete steps expected to have a positive
oleh Bank selama 3 tahun terakhir:*) distributed by the Bank over the last 3 years:*) dampak positif terhadap lingkungan, terutama berkaitan dengan impact on the environment, especially regarding with Bank
prosedur operasional Bank dan layanan perbankan misalnya operational procedures and banking services such as water and
Dalam Jutaan Rupiah / In Million Rupiah penggunaan air dan kertas, serta manajemen portofolio paper use, and financing portfolio management in line with
Kategori Bidang / pembiayaan yang selaras dengan prinsip-prinsip berkelanjutan. sustainable principles.
Field Category
2024 2023 2022
Lingkungan Hidup Sebagai wujud nyata dari komitmen Bank dalam menjaga A manifestation of the Bank’s commitment to protecting the
- 6 16
Environment lingkungan hidup diwujudkan melalui perencanaan SOP environment is realized through SOP planning on the integration
Ketenagakerjaan
14 16 9
mengenai integrasi risiko sosial, lingkungan hidup, dan tata kelola of social, environmental and governance risks into business
Employment ke dalam aktivitas bisnis pada kredit/pembiayaan sektor ramah activities in environmentally friendly credit/financing. The Bank
Kemasyarakatan
244 198 281 lingkungan. Bank akan melakukan identifikasi dan pemetaan atas will identify and map the Bank’s portfolio and then assertively
Public
portofolio Bank untuk kemudian secara asertif mengkaji kegiatan study funding activities for companies that damage the
Kepada Nasabah pendanaan untuk perusahaan yang merusak lingkungan. environment.
31 24 10
Customer
TOTAL 289 244 316 Lebih lanjut terkait penyaluran kredit, Bank merencanakan The Bank plans to pay attention to several criteria for checking
untuk memperhatikan beberapa kriteria pengecekan dokumen the Environmental Impact Assessment (AMDAL) document
*) Informasi penyaluran dana TJSL dan/atau CSR Selengkapnya dapat dilihat pada Bab 6 Tanggung Jawab Sosial Perseroan yang merupakan bagian tidak terpisahkan dari Laporan Keberlanjutan ini.
*) Information on the distribution of TJSL and/or CSR funds can be found in Chapter 6 on Corporate Social Responsibility, which is an integral part of this Sustainability Report. Analisa Dampak Lingkungan (AMDAL) yang diharapkan dapat which is expected to provide a more concrete picture related to
memberikan gambaran yang lebih konkret terkait komitmen the debtor’s commitment in preserving the environment.
Bank menerapkan kebijakan untuk meningkatkan kedisiplinan The Bank implements a policy to improve employee discipline debitur dalam melestarikan lingkungan hidup.
karyawan dengan memberlakukan pemantauan atas tingkat by monitoring attendance levels through employee attendance,
kehadiran melalui absensi karyawan, di mana bagi karyawan where employees with low levels of discipline will have an impact Bank senantiasa berupaya untuk mengurangi konsumsi energi The Bank always strives to reduce electricity consumption and
dengan tingkat kedisiplinan yang rendah akan berdampak pada on the employee’s performance appraisal and if the employee’s listrik dan sekaligus menurunkan emisi, dengan penggunaan emissions, by using energy efficient lamps and save on the use of
penilaian kinerja karyawan yang bersangkutan dan apabila level of discipline is still low after receiving several warnings, it lampu yang lebih hemat energi (LED) dan juga menghemat Air Conditioner (AC) at certain hours.
tingkat kedisiplinan karyawan tersebut masih rendah setelah can result in compensation levels to work termination. This is penggunaan Air Conditioner (AC) pada jam tertentu.
mendapatkan beberapa kali teguran dapat berakibat pada the Bank’s effort to control and minimize employee tardiness
tingkat kompensasi hingga pemutusan hubungan kerja. Hal ini and absenteeism. Selain penghematan atas konsumsi energi dan emisi, Bank In addition to saving on energy consumption and emissions, the
merupakan upaya Bank untuk mengontrol dan menekan tingkat berencana untuk melakukan berbagai inisiatif untuk menghemat Bank plans to take various initiatives to conserve water usage,
keterlambatan dan ketidakhadiran karyawan. penggunaan air, hal ini dilakukan melalui serangkaian kegiatan through a series of clean water pipeline maintenance activities
pemeliharaan pipa air bersih untuk mengantisipasi kebocoran. to anticipate leaks. The Bank also continues to optimize the use
Pengembangan Sumber Daya Manusia (SDM) merupakan hal Human Resource (HR) development is essential for improving Bank juga terus mengoptimalkan penggunaan air dari of water from drinking water companies to reduce groundwater
yang penting dalam meningkatkan kompetensi, hal ini akan competence, helping the Bank operate its business smoothly. perusahaan air minum untuk mengurangi penggunaan air tanah. use.
membantu Bank dalam menjalankan bisnisnya agar berjalan The internal capacity development budget has been allocated at
lancar di mana anggaran pengembangan kapasitas intern telah Rp15 million, sourced from the education budget, which was set Bank juga menjaga komitmen atas pelestarian lingkungan The Bank is also committed to environmental preservation
dianggarkan sebesar Rp15 juta dari biaya pendidikan yang telah at 3.50% of the total labour costs in 2023, amounting to Rp1.72 melalui kegiatan penghematan kertas. Upaya tersebut dicapai through paper saving activities. This is achieved by imposing a
dianggarkan oleh Bank sebesar 3,50% dari total biaya tenaga billion. In 2024, capacity development is carried out through dengan memberlakukan sistem pod dalam penggunaan printer pod system in the use of printers and optimizing online electronic
kerja tahun 2023 dan/atau sebesar Rp1,72 miliar. Pengembangan both in-house and public training, as well as participation in dan mengoptimalkan media elektronik online untuk berbagai media for various office administration purposes in order to
kapasitas di tahun 2024 dilakukan baik melalui inhouse training Sustainable Finance training and/or socialisation conducted by keperluan administrasi kantor demi mengurangi penggunaan reduce paper usage.
maupun public training serta mengikuti pelatihan dan/ the Regulator. The Bank has allocated 4.88% of its budget for kertas.
atau sosialisasi Keuangan Berkelanjutan yang diadakan oleh education, amounting to Rp2.41 billion.
Regulator, di mana Bank telah mengeluarkan dana pendidikan Kegiatan operasional Bank secara menyeluruh tidak berdampak The overall operational activities of the Bank have not had a
sebesar 4,88% atau sebesar Rp2,41 miliar. negatif pada keanekaragaman hayati di mana jaringan negative impact on biodiversity, as the Bank’s branch network
kantor Bank tidak berada di daerah konservasi atau memiliki is not located in conservation areas or areas with biodiversity.
Bank memprioritaskan untuk meningkatkan meningkatkan The Bank prioritized to improve the competence and skills keanekaragaman hayati. Selain itu, Bank berkomitmen untuk Additionally, the Bank has committed to reduced carbon emission
kompetensi dan keterampilan sumber daya manusia (SDM) of human resources (HR) to implement Sustainable Finance terus mengurangi pengeluaran emisi karbon dengan telah by having a waste management system managed directly by
untuk melaksanakan Keuangan Berkelanjutan sebelum Bank before the Bank makes adjustments to the organization, risk memiliki sistem pengolahan limbah sampah yang dikelola environmental officers in the vicinity. Consequently, throughout
melakukan penyesuaian organisasi, manajemen risiko, tata management, governance, and/or standard operating procedures langsung oleh petugas lingkungan sekitar. Sehingga sepanjang 2024, the Bank did not receive any environmental complaints
kelola, dan/atau standar prosedur operasional yang sesuai in accordance with the principles of implementing Sustainable tahun 2024 Bank tidak memiliki pengaduan lingkungan hidup dari from the surrounding community due to the environmental
dengan prinsip penerapan Keuangan Berkelanjutan dan Finance and developing Sustainable Finance products and/or masyarakat sekitar akibat dampak lingkungan yang disebabkan impacts caused by the Bank’s operational activities. All expenses
melakukan pengembangan produk dan/atau Jasa Keuangan services including increasing the financing portfolio, especially kegiatan operasional Bank. Seluruh biaya yang dikeluarkan incurred by the Bank to support environmental conservation
Berkelanjutan termasuk peningkatan portofolio pembiayaan for the SME segment, investment or placement in financial Bank untuk mendukung upaya pelestarian dan pemeliharaan and preservation efforts have been allocated through the
khususnya untuk segmen UKM, investasi atau penempatan pada instruments or projects that are aligned with the implementation lingkungan hidup telah dialokasikan melalui dana Tanggung Environmental and Social Responsibility (ESR) fund.
instrumen keuangan atau proyek yang sejalan dengan penerapan of Sustainable Finance. Jawab Sosial dan Lingkungan (TJSL).
Keuangan Berkelanjutan.
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Tabel Emisi GRK Langsung (Cakupan 1) Tabel Konsumsi Energi Listrik, Air, dan Limbah yang Dihasilkan
Table of Direct (Scope 1) GHG Emissions Table of Electricity and Water Consumption, and Waste Generated
Kategori Kategori Sumber Emisi Aspek Deskripsi Jumlah
t CO2e Aspect Description Total
Category Emission source category
Emisi langsung yang timbul dari sumber stasioner yang Bahan bakar / Fuels 91,22 Konsumsi Energi listrik Total konsumsi energi (kWh or J)
794.292,82
dimiliki atau dikendalikan yang menggunakan bahan Electricity consumption Total energy consumption (kWh or J)
bakar fosil dan/atau mengeluarkan emisi Bioenergi / Bioenergy -
Direct emissions arising from owned or controlled Konsumsi Air Total konsumsi air (m3)
9.549,47
stationary sources that use fossil fuels and/or emit fugi- Water consumption Total water consumption (m3)
Cakupan 1
Refrigeran / Refrigerants -
Scope 1
tive emissions
Limbah yang dihasilkan Total limbah yang dihasilkan (ton)
1.981,00
Emisi langsung dari sumber bergerak yang dimiliki atau Kendaraan penumpang / Passenger vehicles 43,77 Waste generated Total waste generated (tons)
dikendalikan
Direct emissions from owned or controlled mobile Kendaraan pengiriman / Delivery vehicles 1,70
sources
Total Scope 1 136,69
TANGGUNG JAWAB PENGEMBANGAN PRODUK
Tabel Emisi GRK tidak Langsung (Cakupan 2)
Table of inDirect (Scope 2) GHG Emissions
DAN LAYANAN JASA KEUANGAN
RESPONSIBILITY ON FINANCIAL PRODUCT AND SERVICES DEVELOPMENT
Kategori Kategori Sumber Emisi
t CO2e Bank tentunya menyadari bahwa aspek kompetisi di dunia The Bank realizes the competition aspect in the banking world
Category Emission source category
perbankan semakin ketat. Oleh karena itu, Bank senantiasa is getting tougher. Therefore, the Bank is always committed to
Listrik / Electricity 535,75
Emisi berbasis lokasi dari pembangkitan listrik, panas,
berkomitmen untuk menghadirkan produk dan jasa berkualitas delivering quality products and services and always providing
Panas dan uap / Heat and steam -
dan selalu memberikan layanan yang prima. Dengan begitu excellent service. That way the Bank is expected to meet the level
Cakupan 2
uap, atau pendingin yang dibeli
Scope 2
Location-based emissions from the generation of pur-
chased electricity, heat, steam or cooling
Listrik untuk Ev / Electricity for Evs - diharapkan Bank dapat memenuhi tingkat kepuasan nasabah. of customer satisfaction, which in itself will foster customers’
Pendinginan distrik / District cooling - Hal tersebut dengan sendirinya akan menumbuhkan loyalitas loyalty in using the Bank’s products and services.
Total Scope 2 535,75 yang menggerakan mereka untuk kembali menggunakan produk
dan layanan jasa Bank.
Tabel Emisi GRK tidak Langsung (Cakupan 3) Bank menyediakan akses kepada nasabah untuk menyampaikan The Bank provides access to customers to submit customer
Table of inDirect (Scope 3) GHG Emissions keluhan dan/atau pengaduan nasabah melalui prosedur yang complaints and/or grievances through procedures established
telah ditetapkan oleh Bank sebagaimana telah dijelaskan pada which has been determined by the Bank as explained on page
halaman 192 mengenai prosedur penanganan pengaduan 192 regarding customer complaint handling procedures.
Kategori Kategori Sumber Emisi
t CO2e nasabah.
Category Emission source category
Semua aktivitas lain yang terkait dengan bahan bakar
Aktivitas yang berhubungan dengan bahan bakar dan dan energi / - Bank senantiasa menjunjung tinggi prinsip transparansi dan The Bank consistently upheld the principles of transparency and
All other fuel- and energy related activities
energi responsivitas terhadap umpan balik dari berbagai pihak terkait responsiveness to feedback from various stakeholders in assessing
Fuel and energy-related activities Kehilangan transmisi dan distribusi /
14,92 dalam memberikan penilaian terhadap kinerja Bank dalam aspek the Bank’s performance in economic, social and environmental
Transmission and distribution losses
ekonomi, sosial dan lingkungan. Umpan balik ini tidak hanya aspects. This feedback was not only received but also served as
Limbah yang dihasilkan dari operasional Air limbah / Waste water 0,02
Waste generated in operations
diterima, tetapi juga dijadikan dasar yang penting dalam proses a crucial basis for evaluation and improvement processes. With
Limbah / Waste 2.063,81
evaluasi dan penyempurnaan. Dengan adanya umpan balik ini, this feedback, the Bank committed to continuously improving its
Air yang disuplai / Water supplied 1,42
Barang yang dibeli Bank telah berkomitmen untuk terus meningkatkan kinerjanya, performance, both in terms of customer service and its impact
Purchased goods Penggunaan material / Material use - baik dari segi layanan kepada nasabah maupun dampaknya on the community and the environment. The spirit of innovation
Semua transportasi melalui udara /
36,03 terhadap masyarakat dan lingkungan sekitar. Semangat untuk and adaptation to change was key to the Bank’s efforts to compile
All transportation by air
terus berinovasi dan beradaptasi dengan perubahan menjadi better reports in the future.
Emisi yang timbul dari akomodasi hotel terkait dengan
perjalanan bisnis / kunci dalam upaya Bank untuk menyusun laporan yang lebih
46,35
baik di masa yang akan datang.
Cakupan 3
Emissions arising from hotel accommodation associated
Scope 3
Perjalanan Dinas with business travel
Business travel Semua transportasi melalui laut /
-
All transportation by sea
Semua transportasi melalui darat, transportasi umum,
kendaraan sewaan/kontrak, dan taksi /
0,03
TANGGAPAN TERHADAP UMPAN BALIK LAPORAN KEBERLANJUTAN
All transportation by land, public transport, rented/
leased vehicle and taxi
Transportasi dan distribusi
Upstream transportation and distribution
Pengangkutan barang / Freighting goods - TAHUN SEBELUMNYA
Jarak tempuh Karyawan dari rumah menuju kantor RESPONSE TO FEEDBACK FROM PREVIOUS YEAR’S SUSTAINABILITY REPORT
0,23
Employees commuting
Makanan
570,93 Sepanjang tahun 2024, Bank tidak menerima tanggapan dari Throughout 2024, the Bank did not receive any response from
Food
publik terutama dari Nasabah terhadap umpan balik Laporan the public, especially from customers, regarding feedback on the
Home office
Home office
- Keberlanjutan tahun sebelumnya. previous year’s Sustainability Report.
Total Scope 3 2.733,77
Total Emissions 3.406,21
PT BANK OF INDIA INDONESIA Tbk PT BANK OF INDIA INDONESIA Tbk
308 Laporan Keberlanjutan 2024 Sustainability Report 2024 309
Page 157
SURAT PERNYATAAN ANGGOTA DIREKSI DAN ANGGOTA DEWAN KOMISARIS TENTANG INDEKS SEOJK NO. 16/SEOJK.04/2021: PT BANK OF INDIA INDONESIA Tbk
TANGGUNG JAWAB ATAS LAPORAN KEBERLANJUTAN 2024 PT BANK OF INDIA INDONESIA TBK SEOJK NO. 16/SEOJK.04/2021 Index: PT BANK OF INDIA INDONESIA Tbk
STATEMENT OF MEMBERS OF THE BOARD OF DIRECTORS AND THE BOARD OF COMMISSIONERS Terpenuhi
Keterangan Description
Comply
REGARDING RESPONSIBILITY FOR THE 2024 SUSTAINABILITY REPORT OF
PT BANK OF INDIA INDONESIA TBK I. Ketentuan Umum I. General Provision
1. Dalam Surat Edaran Otoritas Jasa Keuangan ini yang dimaksud 1. According to this Financial Services Authority Circular Letter, here
dengan: are the definitions of:
a. Laporan Tahunan adalah laporan pertanggungjawaban a. Annual Report is a report on the accountability of the
direksi dan dewan komisaris dalam melakukan pengurusan Board of Directors and the Board of Commissioners in
Direksi dan Dewan Komisaris PT Bank of India Indonesia Tbk The Board of Directors and Commissioners of PT Bank of India dan pengawasan terhadap emiten atau perusahaan managing and supervising issuers or public companies
telah mengevaluasi dan menyatakan bertanggung jawab Indonesia Tbk has evaluated and declared to be completely publik dalam kurun waktu 1 (satu) tahun buku kepada within a period of 1 (one) financial year to the General
penuh atas kebenaran isi Laporan Keberlanjutan tahun 2024 responsible upon the righteousness of this 2024 Sustainability rapat umum pemegang saham yang disusun berdasarkan Meeting of Shareholders based on the provisions of the
ketentuan dalam Peraturan Otoritas Jasa Keuangan Financial Services Authority Regulation regarding the
ini termasuk laporan keuangan dan informasi lain yang terkait. Report including the financial report as well as other related mengenai Laporan Tahunan emiten atau perusahaan Annual Report of issuers or public companies.
information. publik.
b. Emiten adalah pihak yang melakukan penawaran umum. b. Issuers are parties who make public offerings.
c. Perusahaan Publik adalah perseroan yang sahamnya telah
Demikian pernyataan ini dibuat dengan sebenarnya. The Declaration has been made truthfully. dimiliki paling sedikit oleh 300 (tiga ratus) pemegang c. Public Company is a company whose shares are owned by
saham dan memiliki modal disetor paling sedikit at least 300 (three hundred) shareholders and has a paid-
Jakarta, April 2025 Jakarta, April 2025 Rp3.000.000.000,00 (tiga miliar rupiah) atau suatu jumlah up capital of at least Rp 3,000,000,000.00 (three billion
pemegang saham dan modal disetor yang ditetapkan oleh rupiah) or a number of shareholders and paid-up capital as
Otoritas Jasa Keuangan. determined by the Financial Services Authori.
d. Perusahaan Terbuka adalah Emiten yang telah melakukan d. Public Company is an Issuer that has made a public
penawaran umum efek bersifat ekuitas atau Perusahaan offering of equity securities or a Public Company.
DEWAN KOMISARIS Publik.
BOARD OF COMMISSIONERS e. Laporan Keberlanjutan (Sustainability Report) adalah e. A Sustainability Report is a report published to the
laporan yang diumumkan kepada masyarakat yang memuat public that contains the economic, financial, social,
kinerja ekonomi, keuangan, sosial, dan lingkungan hidup and environmental performance of a financial service
suatu lembaga jasa keuangan, Emiten, dan Perusahaan institution, Issuer, and Public Company in running a
Publik dalam menjalankan bisnis berkelanjutan. sustainable business.
f. Direksi:
1. bagi Emiten atau Perusahaan Publik berbentuk f. The Board of Directors:
badan hukum perseroan terbatas adalah Direksi 1. For Issuers or limited liability companies, the Board
SUDHIRANJAN PADHI HANDADJAJA SULAIMAN LUNGGUK GULTOM sebagaimana dimaksud dalam Peraturan Otoritas of Directors is the one referred to in the Financial
Komisaris Utama Komisaris Independen Komisaris Independen Jasa Keuangan mengenai Direksi dan Dewan Services Authority Regulation concerning the Board
President Commissioner Independent Commissioner Independent Commissioner Komisaris Emiten atau Perusahaan Publik; dan of Directors and Board of Commissioners of an
2. bagi Emiten atau Perusahaan Publik berbentuk Issuer or Public Company; and
badan hukum selain perseroan terbatas adalah 2. For Issuers or Legal Entities that are not limited
organ yang melaksanakan pengurusan badan liability companies, the Board of Directors is the
hukum tersebut sebagaimana dimaksud dalam organ that carries out the management of the legal
peraturan perundang-undangan mengenai badan entity as referred to in the laws and regulations
hukum tersebut. concerning the legal entity
DIREKSI g. Dewan Komisaris:
BOARD OF DIRECTORS 1. Bagi Emiten atau Perusahaan Publik berbentuk g. The Board of Commissioners:
badan hukum perseroan terbatas adalah Dewan 1. For Issuers or Limited Liability Companies, the Board
Komisaris sebagaimana dimaksud dalam Peraturan of Commissioners is the one as referred to in the
Otoritas Jasa Keuangan mengenai Direksi dan Financial Services Authority Regulation concerning
Dewan Komisaris Emiten atau Perusahaan Publik; the Board of Directors and Board of Commissioners
dan of Issuers or Public Companies; and
2. Bagi Emiten atau Perusahaan Publik berbentuk 2. For Issuers or Legal Entities that are not limited
badan hukum selain perseroan terbatas adalah liability companies, the Board of Commissioners is
organ yang melakukan pengawasan badan hukum the organ that supervises the legal entity as referred
JAYAPRAKASH BHARATHAN CAROLINA DINA RUSDIANA tersebut sebagaimana dimaksud dalam peraturan to in the laws and regulations concerning the legal
Direktur Utama Direktur Operasional perundang-undangan mengenai badan hukum entity.
President Director Operational Director tersebut.
h. Rapat Umum Pemegang Saham yang selanjutnya disingkat h. General Meeting of Shareholders hereinafter abbreviated
RUPS: as GMS:
1. Bagi Emiten atau Perusahaan Publik berbentuk 1. For Issuers or Limited Liability Companies, the GMS
badan hukum perseroan terbatas adalah is the one as referred to in the Financial Services
RUPS sebagaimana dimaksud dalam Peraturan Authority Regulation concerning the Plan and the
Otoritas Jasa Keuangan mengenai Rencana dan Holding of the General Meeting of Shareholders of
CHANDRA SEKHAR MUKHERJEE DENNIS KUSUMA HALIM Penyelenggaraan Rapat Umum Pemegang Saham a Public Company; and
Direktur Bisnis Direktur Kepatuhan Perusahaan Terbuka; dan
Business Director Compliance Director 2. Bagi Emiten atau Perusahaan Publik berbentuk 2. For Issuers or Legal Entities that are not limited
badan hukum selain perseroan terbatas adalah liability companies, the GMS is an organ that has
organ yang mempunyai wewenang yang tidak authority not given to organs that carry out the
diberikan kepada organ yang melaksanakan fungsi management and supervisory functions, within
pengurusan dan fungsi pengawasan, dalam batas the limits specified in the laws and/or Articles of
yang ditentukan dalam peraturan perundang- Association governing the legal entity.
undangan dan/atau anggaran dasar yang mengatur
badan hukum tersebut.
RAHMAT HENDRATAMA*)
Direktur Keuangan
Finance Director
*) Efektif pada tanggal 17 Maret 2025
*) Effective as of March 17, 2025
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Keterangan Description
Comply SEOJK No. 16/SEOJK.04/2021 Index Content of Annual Report Page
3. Laporan Tahunan Emiten atau Perusahaan Publik merupakan 3. Annual Report of a listed company is one of the most important Kinerja 2024 2024 Performance
sumber informasi penting bagi investor atau pemegang saham sources as the base for investors or shareholders in making
sebagai salah satu dasar pertimbangan dalam pengambilan investment decision, and is a means of monitoring issuers or a. Ikhtisar data keuangan penting; a. Summary of key financial information; 10
keputusan investasi dan sarana pengawasan terhadap Emiten public company.
atau Perusahaan Publik. b. Informasi saham; b. Stock information; 15
4. Seiring dengan perkembangan pasar modal dan meningkatnya 4. Along with the development of Capital Market and the growing Laporan Manajemen Management report
kebutuhan investor atau pemegang saham atas keterbukaan needs of investors or shareholders regarding information
informasi, Direksi dan Dewan Komisaris dituntut untuk disclosure, the Board of Directors and the Board of Commissioners c. Laporan Direksi; c. The Board of Directors report; 26
menyajikan informasi yang berkualitas , akurat dan akuntabel are required to improve the quality of information disclosure
melalui Laporan Tahunan Emiten atau Perusahaan Publik. through annual report. d. Laporan Dewan Komisaris; d. The Board of Commissioners report; 20
5. Laporan Tahunan yang disusun secara teratur dan informatif 5. Annual Report should be prepared in an orderly manner and Profil Perusahaan Bank Profile
dapat memberikan kemudahan bagi investor atau pemegang should be informative to provide conveniences for the investors
saham dan pemangku kepentingan dalam memperoleh or shareholders in getting the information they need. 1. Nama Emiten atau Perusahaan Publik termasuk apabila terdapat 1. Name of Issuer or Public Company, including change of 38, 42
informasi yang dibutuhkan. perubahan nama, alasan perubahan, dan tanggal efektif name, reason of change, and the effective date of the
perubahan nama pada tahun buku; change of name during the year under review;
6. Surat Edaran Otoritas Jasa Keuangan ini merupakan pedoman 6. This Circular Letter of the Financial Service Agency serves a 2. Akses terhadap Emiten atau Perusahaan Publik termasuk kantor 2. Access to Issuer or Public Company, including branch office 39
bagi Emiten atau Perusahaan Publik yang wajib diterapkan guidelines for Issuers or Public Companies that should be applied cabang atau kantor perwakilan yang memungkinkan masyarakat or representative office, where public can have access
dalam menyusun Laporan Tahunan dan Laporan Berkelanjutan. in preparing their Annual Report and Sustainability Report. dapat memperoleh informasi mengenai Emiten atau Perusahaan of information of the Issuer or Public Company, which
Publik; include:
3. Riwayat singkat Emiten atau Perusahaan Publik; 3. Brief history of the Issuer or Public Company; 38
II. Bentuk Laporan Tahunan / Format of Annual Report 4. Visi dan misi Emiten atau Perusahaan Publik serta budaya 4. Vision and mission of the Issuer or Public Company 37, 40
perusahaan (corporate culture) atau nilai-nilai perusahaan; including corporate culture or company values;
5. Kegiatan usaha menurut anggaran dasar terakhir, kegiatan usaha 5. Line of business according to the latest Articles of 46
1. Laporan Tahunan disajikan dalam bentuk dokumen cetak dan 1. Annual Report should be presented in the printed format and in
yang dijalankan pada tahun buku, serta jenis barang dan/atau Association, and types of products and/or services
dokumen elektronik. electronic document.
jasa yang dihasilkan; produced;
2. Laporan Tahunan yang disajikan dalam bentuk dokumen cetak, 2. The printed version of the Annual Report should be printed on 6. Wilayah operasional Emiten atau Perusahaan Publik; wilayah 6. The operational area of the Issuer or Public Company; 50
dicetak pada kertas yang berwarna terang, berkualitas baik, light-colored paper of fine quality, in A4 size, bound and can be
operasional merupakan wilayah atau daerah pelaksanaan operational area is the area used to implement operational
berukuran A4, dijilid, dan dapat diperbanyak dengan kualitas yang reproduced in good quality.
kegiatan operasional atau jangkauan dari kegiatan operasional activities or the range of the company’s operational
baik.
perusahaan. activities
3. Laporan Tahunan dapat menyajikan informasi berupa gambar, 3. The Annual Report can present information in the form of 7. Struktur organisasi Emiten atau Perusahaan Publik dalam bentuk 7. Organizational structure of the Issuer or Public Company in 56
grafik, tabel, dan/atau diagram dengan mencantumkan judul dan/ pictures, graphs, tables, and/or diagrams that includes clear titles
bagan, paling sedikit sampai dengan struktur 1 (satu) tingkat di the form of a chart, with a minimum of 1 (one) level below
atau keterangan yang jelas, sehingga mudah dibaca dan dipahami. and/or descriptions, so that they are easy to read and understand.
bawah Direksi termasuk komite dibawah Direksi (jika ada) dan the Board of Directors including committees under the
.
komite dibawah Dewan Komisaris, disertai dengan nama dan Board of Directors (if any) and committees under the Board
4. Laporan Tahunan yang disajikan dalam bentuk dokumen elektronik 4. The Annual Report presented in electronic document format is jabatan; of Commissioners, with names and positions
merupakan Laporan Tahunan yang dikonversi dalam portable the Annual Report converted into pdf format.
format (PDF).
8. Daftar keanggotaan asosiasi industri baik dalam skala nasional 8. A list of memberships in industry association, both 58
maupun internasional yang berkaitan dengan penerapan on a national and international scale related to the
keuangan berkelanjutan; implementation of sustainable finance
9. Profil Direksi, 9. The Board of Director Profile 63
10. Profil Dewan Komisaris, 10. The Board of Commissioners profiles, 60
11. Dalam hal terdapat perubahan susunan anggota Direksi dan/ 11. In the event that there were changes in the composition 32
atau anggota Dewan Komisaris yang terjadi setelah tahun buku of the Board of Commissioners and/ or the Board of
berakhir sampai dengan batas waktu penyampaian Laporan Directors occurring between the period after year-end until
Tahunan, susunan yang dicantumkan dalam Laporan Tahunan the date the Annual Report submitted, then the last and
adalah susunan anggota Direksi dan/atau anggota Dewan the previous composition of the Board of Commissioners
Komisaris yang terakhir dan sebelumnya; and/ or the Board of Directors shall be stated in the Annual
Report;
12. Jumlah karyawan menurut jenis kelamin, jabatan usia, tingkat 12. Number of employees by gender, age position, education 75
pendidikan, dan status ketenagakerjaan (tetap/kontrak) dalam level, and employment status (permanent/contract) in the
tahun buku; Pengungkapan informasi dapat disajikan dalam financial year; Disclosure of information can be presented
bentuk tabel. in tabular form.
13. Nama pemegang saham dan persentase kepemilikan pada awal 13. The name of shareholders and percentage of ownership at 82
dan akhir tahun buku the beginning and at the end of the financial year
14. Persentase kepemilikan tidak langsung atas saham Emiten 14. Percentage of indirect ownership of shares of the Issuer or 82, 188
atau Perusahaan Publik oleh anggota Direksi dan anggota Public Company by members of the Board of Directors and
Dewan Komisaris pada awal dan akhir tahun buku, termasuk members of the Board of Commissioners at the beginning
informasi mengenai pemegang saham yang terdaftar dalam and end of the financial year, including information on
daftar pemegang saham untuk kepentingan kepemilikan shareholders registered in the register of shareholders for
tidak langsung anggota Direksi dan anggota Dewan Komisaris; the benefit of indirect ownership of members of the Board
Dalam hal seluruh anggota Direksi dan/atau seluruh anggota of Directors and members of the Board of Commissioners;
Dewan Komisaris tidak memiliki kepemilikan tidak langsung In the event that all members of the Board of Directors
atas saham Emiten atau Perusahaan Publik, maka diungkapkan and/or all members of the Board of Commissioners do not
mengenai hal tersebut. have indirect ownership of shares of the Issuer or Public
Company, then disclose the matter.
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15. Jumlah pemegang saham dan persentase kepemilikan per 15. The number of shareholders and percentage of ownership 82 f. Analisis dan Pembahasan Manajemen f. Management Discussion and Analysis
akhir tahun buku berdasarkan klasifikasi; at the end of the financial year based on classification
16. Informasi mengenai pemegang saham utama dan pengendali 16. Information on major shareholders and controlling 55 1. Tinjauan operasi per segmen operasi sesuai dengan jenis 1. Operational review perbusiness segment, according to the 91
Emiten atau Perusahaan Publik, baik langsung maupun tidak shareholders of the Issuer or Public Company, either industri Emiten atau Perusahaan Publik; type of industry of the Issuer or Public Company;
langsung, sampai kepada pemilik individu, yang disajikan directly or indirectly, down to individual owners,
dalam bentuk skema atau bagan; presented in the form of schemes or charts; 2. Kinerja keuangan komprehensif yang mencakup perbandingan 2. Comprehensive financial performance analysis which 93
kinerja keuangan dalam 2 (dua) tahun buku terakhir, penjelasan includes a comparison between the financial performance
17. Nama entitas anak, perusahaan asosiasi, perusahaan 17. Name of subsidiaries, associated companies, joint venture 55 tentang penyebab adanya perubahan dan dampak perubahan of the last 2 (two) fiscal years, and explanation on the causes
ventura bersama di mana Emiten atau Perusahaan companies over which the Issuer or Public Company has tersebut; and effects of such changes,
Publik memiliki pengendalian bersama Entitas (jika joint control (if any), together with percentage of share
ada), beserta persentase kepemilikan saham, bidang ownership, line of business, total assets, and operating 3. Kemampuan membayar utang atau kewajiban dengan 3. The capacity to pay debts by including the computation of 102
usaha, total aset, dan status operasi entitas anak, status of subsidiaries, associated companies, joint menyajikan perhitungan rasio yang relevan; relevant ratios;
perusahaan asosiasi, perusahaan ventura bersama; venture companies; For subsidiaries, information on the
Untuk entitas anak, ditambahkan informasi mengenai alamat address of the subsidiaries is added. 4. Tingkat kolektibilitas piutang Emiten atau Perusahaan Publik 4. Accounts receivable collectability of the Issuer or Public 102
entitas anak tersebut. dengan menyajikan perhitungan rasio yang relevan; Company, including the computation of the relevant ratios;
18. Kronologis pencatatan saham, jumlah saham, nilai nominal, 18. Chronology of share listing, number of shares, nominal 83 5. Struktur modal (capital structure) dan kebijakan manajemen atas 5. Capital structure and management policies concerning 101
dan harga penawaran dari awal pencatatan hingga akhir value, and offering price from the beginning of listing to struktur modal (capital structure) tersebut disertai dasar penentuan capital structure, including the basis for determining the said
tahun buku serta nama bursa efek di mana saham Emiten atau the end of the financial year as well as the name of the kebijakan dimaksud; policy;
Perusahaan Publik dicatatkan, termasuk pemecahan saham stock exchange where the shares of the Issuer or Public
(stock split), penggabungan saham (reverse stock), dividen Company are listed, including stock splits, reverse stock, 6. Bahasan mengenai ikatan yang material untuk investasi barang 6. Discussion on material bond for the investment of capital 105
saham, saham bonus, dan perubahan nilai nominal saham, stock dividends, bonus shares and changes in the nominal modal; goods,
pelaksanaan efek konversi, pelaksanaan penambahan dan value of shares, implementation of conversion securities,
pengurangan modal (jika ada); implementation of capital additions and subtractions (if 7. Bahasan mengenai investasi barang modal yang direalisasikan 7. Discussion on investment of capital goods which was 105
any); dalam tahun buku terakhir; realized in the last fiscal year, at least include:
19. Informasi pencatatan efek lainnya selain efek sebagaimana 19. Other securities listing information other than securities 83 8. Informasi dan fakta material yang terjadi setelah tanggal laporan 8. Material Information and facts that occurring after the date 109
dimaksud pada angka 18), yang belum jatuh tempo pada tahun as referred to in number 11), which have not matured akuntan; (jika ada) of the accountant’s report;
buku paling sedikit memuat nama efek, tahun penerbitan, in the financial year which at least contains the name of
tingkat suku bunga/imbal hasil, tanggal jatuh tempo, nilai the securities, year of issue, interest rate/yield, maturity 9. Prospek usaha dari Emiten atau Perusahaan Publik dikaitkan 9. The business prospect of the Issuer or Public Company is 88
penawaran, dan peringkat efek (jika ada); date, offering value and rating of securities (if any); dengan kondisi industri, ekonomi secara umum dan pasar related to the condition of the industry, economy in general
internasional disertai data pendukung kuantitatif dari sumber and international markets accompanied by quantitative
20. Informasi penggunaan jasa Akuntan Publik (AP) dan Kantor 20. Information on the use of Public Accounting services (AP) 179 data yang layak dipercaya; supporting data from reliable data sources;
Akuntan Publik (KAP) beserta jaringan/asosiasi/aliansinya and Public Accounting Firms (KAP) and their networks/
associations/allies 10. Perbandingan antara target/proyeksi pada awal tahun buku 10. Comparison between targets/projections at the beginning 102
dengan hasil yang dicapai (realisasi); of the financial year with the results achieved (realisation);
21. Nama dan alamat lembaga dan/atau profesi penunjang pasar 21. Name and address of capital market supporting 84
modal selain AP dan KAP. institutions and/or professions other than AP and KAP. 11. Target/proyeksi yang ingin dicapai Emiten atau Perusahaan 11. Target/projection to be achieved by the Issuer or Public 115
Publik untuk 1 (satu) tahun mendatang; Company for the next 1 (one) year;
12. Aspek pemasaran atas barang dan/atau jasa Emiten atau 12. Marketing aspects of the company’s products and/or 119
Perusahaan Publik, paling sedikit mengenai strategi pemasaran services the Issuer or Public Company, among others
dan pangsa pasar; marketing strategy and market share;
13. Uraian mengenai dividen selama 2 (dua) tahun buku terakhir; 13. Description regarding the dividend policy during the last 2 109
(two) fiscal years;
14. Realisasi penggunaan dana hasil Penawaran Umum; 14. The realisation of the use of proceeds from the Public 112
Offering;
15. Informasi material (jika ada), antara lain mengenai investasi, 15. Material information (if any) regarding investment, 106
ekspansi, divestasi, penggabungan/peleburan usaha, akuisisi, expansion, divestment, business merger/consolidation,
restrukturisasi utang/ modal, transaksi material, transaksi afiliasi, acquisition, debt/capital restructuring, material transactions,
dan transaksi benturan kepentingan, yang terjadi pada tahun affiliated transactions and conflict of interest transactions,
buku; which occurred in the financial year;
16. Perubahan ketentuan peraturan perundang-undangan yang 16. Changes in regulation which have a significant effect on the 120
berpengaruh signifikan terhadap Emiten atau Perusahaan Publik Issuer or Public Company and impacts on the company;
dan dampaknya terhadap laporan keuangan (jika ada);
17. Perubahan kebijakan akuntansi, alasan dan dampaknya 17. Changes in the accounting policy, rationale and impact on 120
terhadap laporan keuangan (jika ada); the financial statement;
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g. Tata Kelola Emiten atau Perusahaan Publik g. Corporate Governance of the Issuer or Public Company h. Tanggung Jawab Sosial dan Lingkungan Emiten atau Perusahaan h. Social and Environmental Responsibility of the Issuer or Public
Publik Company
1. Rapat Umum Pemegang Saham (RUPS) 1. General Meeting of Shareholders (GMS) 129
1. Informasi yang diungkapkan dalam bagian tanggung jawab 1. The information disclosed in the CSR section is a Sustainability 200
2. Direksi, 2. The Board of Directors; 157 sosial dan lingkungan merupakan Laporan Keberlanjutan Report as referred to in the Financial Services Authority
(Sustainability Report) sebagaimana dimaksud dalam Regulation Number 51/POJK.03/2017 concerning the
3. Dewan Komisaris; 3. The Board of Commissioners; 135 Peraturan Otoritas Jasa Keuangan Nomor 51/POJK.03/2017 Implementation of Sustainable Finance for Financial Services
tentang Penerapan Keuangan Berkelanjutan bagi Lembaga Institutions, Issuers and Public Companies
4. Nominasi dan Remunerasi Direksi dan Dewan Komisaris; 4. Nomination and remuneration of the Board of Directors and 162, 138 Jasa Keuangan, Emiten, dan Perusahaan Publik
the Board of Commissioners;
2. Laporan Keberlanjutan sebagaimana dimaksud pada angka 1), 2. The Sustainability Report as referred to in number 1) must be 263
5. Dewan pengawas syariah, bagi Emiten atau Perusahaan Publik 5. Sharia Supervisory Board for Issuers or Public Companies that N/A harus disusun sesuai Pedoman Teknis Penyusunan Laporan prepared in accordance with the Technical Guidelines for the
yang menjalankan kegiatan usaha berdasarkan prinsip syariah carry out business activities based on sharia principles as Keberlanjutan (Sustainability Report) Bagi Emiten dan Preparation of a Sustainability Report for Issuers and Public
sebagaimana tertuang dalam anggaran dasar stated in the Articles of Association Perusahaan Publik sebagaimana tercantum dalam Lampiran Companies as contained in Attachment II which is an integral
II yang merupakan bagian tidak terpisahkan dari Surat Edaran part of this Financial Services Authority Circular Letter;
6. Komite audit 6. Audit Committee 142 Otoritas Jasa Keuangan ini;
7. Komite atau fungsi Nominasi dan Remunerasi Emiten atau 7. Nomination and remuneration Committee of Issuers or Public 149 3. Informasi Laporan Keberlanjutan (Sustainability Report) pada 3. Information on the Sustainability Report at number 1) 264
Perusahaan Publik Companies angka 1)
8. Komite lain yang dimiliki Emiten atau Perusahaan Publik 8. Other committees within the Issuer or Public Company 146 4. Laporan Keberlanjutan (Sustainability Report) sebagaimana 4. The Sustainability Report as referred to in number 1) is an 264
dalam rangka mendukung fungsi dan tugas Direksi (jika ada) in order to support the functions and duties of the Board dimaksud pada angka 1) merupakan bagian yang tidak inseparable part of the Annual Report but can be presented
dan/atau komite yang mendukung fungsi dan tugas Dewan of Directors (if any) and/or committees that support the terpisahkan dari Laporan Tahunan namun dapat disajikan separately from the Annual Report;
Komisaris functions and duties of the Board of Commissioners secara terpisah dengan Laporan Tahunan;
9. Sekretaris perusahaan 9. Corporate Secretary 171 5. Dalam hal Laporan Keberlanjutan disajikan secara terpisah 5. In the event that the Sustainability Report is presented N/A
dengan Laporan Tahunan separately from the Annual Report
10. Unit audit internal 10. Internal audit unit 172
6. Dalam hal Laporan Keberlanjutan disajikan secara terpisah 6. In the event that the Sustainability Report is presented N/A
11. Uraian mengenai sistem pengendalian internal (internal 11. A description of the internal control system implemented by the 177 dengan Laporan Tahunan, maka dalam bagian tanggung jawab separately from the Annual Report, the CSR section must
control) yang diterapkan oleh Emiten atau Perusahaan Publik Issuer or Public Company sosial dan lingkungan memuat informasi bahwa informasi contain information to explain that CSR information is disclosed
mengenai tanggung jawab sosial dan lingkungan telah in the Sustainability Report that is presented separately from
12. Sistem manajemen risiko yang diterapkan oleh Emiten atau 12. The risk management system implemented by the Issuer or 180 diungkapkan dalam Laporan Keberlanjutan yang disajikan the Annual Report;
Perusahaan Publik Public Company secara terpisah dari Laporan Tahunan;
13. Perkara hukum yang berdampak material yang dihadapi oleh 13. Legal cases faced by the Issuer or Public Company, subsidiaries, 183 7. Penyampaian Laporan Keberlanjutan (Sustainability Report) 7. Submission of the Sustainability Report that is presented N/A
Emiten atau Perusahaan Publik, entitas anak, anggota Direksi members of the Board of Directors and members of the Board yang disajikan secara terpisah dengan Laporan Tahunan separately from the Annual Report must be submitted together
dan anggota Dewan Komisaris (jika ada) of Commissioners that have a material impact (if any) harus disampaikan bersamaan dengan penyampaian Laporan with the submission of the Annual Report.
Tahunan.
14. Informasi tentang sanksi administratif/sanksi yang dikenakan 14. Information on administrative sanctions imposed on Issuers or 184
kepada Emiten atau Perusahaan Publik, anggota Dewan Public Companies, members of the Board of Commissioners Laporan Keuangan Tahunan yang Telah Diaudit Audited Annual Financial Statement 319
Komisaris dan anggota Direksi, oleh Otoritas Jasa Keuangan and members of the Board of Directors by the Financial
dan otoritas lainnya pada tahun buku (jika ada); Services Authority and other authorities in the financial year Surat Pernyataan Anggota Direksi dan Anggota Dewan Komisaris Letter of Statement of the Board of Directors and the Board of 262
(if any); tentang Tanggung Jawab atas Laporan Tahunan; Commissioners regarding the Responsibility for Annual Reporting;
15. Informasi mengenai kode etik Emiten atau Perusahaan Publik 15. Information regarding the ethical code of Issuer or Public 185
Company
16. Uraian singkat mengenai kebijakan pemberian kompensasi 16. A brief description of the policy for providing long-term 109
jangka panjang berbasis kinerja kepada manajemen dan/ performance-based compensation to management
atau karyawan yang dimiliki oleh Emiten atau Perusahaan and/or employees within the Issuer or Public Company
Publik (jika ada), antara lain berupa program kepemilikan (if any), including the management stock ownership
saham oleh manajemen (management stock ownership program (MSOP) and/or share ownership program by
program/MSOP) dan/atau program kepemilikan saham employees (employee stock ownership program/ESOP)
oleh karyawan (employee stock ownership program/ESOP);
17. Uraian singkat mengenai kebijakan pengungkapan informasi 17. A brief description of the information disclosure policy 187
18. Uraian mengenai sistem pelaporan pelanggaran 18. Description of the whistleblowing system within the Issuer or 190
(whistleblowing system) di Emiten atau Perusahaan Publik Public Company
19. Uraian mengenai kebijakan anti korupsi Emiten atau 19. Description of the anti-corruption policy of the Issuer or 205
Perusahaan Publik Public Company
20. Penerapan atas pedoman tata kelola Perusahaan Terbuka 20. Implementation of the Public Company governance 128
bagi Emiten yang menerbitkan efek bersifat ekuitas atau guidelines for Issuers or Public Companies that issue equity
Perusahaan Publik securities
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SEOJK No. 16/SEOJK.04/2021 Index: PT BANK OF INDIA INDONESIA Tbk memuat informasi mengenai: contains information about: Page
Aspek Emisi Emission Aspect
Laporan Keberlanjutan The Sustainability Report Halaman 11. Jumlah dan Intensitas Emisi yang Dihasilkan 11. Amount and Intensity of Emissions Produced by Type 308
memuat informasi mengenai: contains information about: Page
Berdasarkan Jenisnya
A. Strategi Keberlanjutan A. Sustainability Strategy 12. Upaya dan Pencapaian Pengurangan Emisi yang 12. Emission Reduction Efforts and Achievements 307
1. Penjelasan Strategi Keberlanjutan 1. Elaboration on Sustainability Strategy 268 Dilakukan
B. Ikhtisar Kinerja Aspek Keberlanjutan B. Overview of Performance on Sustainability Aspects
1. Aspek ekonomi 1. Economic aspects 282
a. Kuantitas produksi atau jasa yang dijual; a. Quantity of products or services sold; Aspek Limbah Dan Efluen Waste and effluent aspects
b. Pendapatan atau penjualan; b. Revenue or sales; 13. Jumlah Limbah dan Efluen yang Dihasilkan 13. Amount of Waste and Effluent Produced by Type 308
c. Laba atau rugi bersih; c. Net profit or loss;
d. Produk ramah lingkungan; dan d. Environment-friendly products; and Berdasarkan Jenis
e. Pelibatan pihak lokal yang berkaitan dengan proses bisnis e. Engagement of local stakeholders concerning the 14. Mekanisme Pengelolaan Limbah dan Efluen 14. Waste and Effluent Management Mechanism 307
Keuangan Keberlanjutan. Sustainability business process.
2. Aspek Lingkungan Hidup 282
15. Tumpahan yang Terjadi (jika ada) 15. Waste Spills that Occur (if any) N/A
2. Environmental aspects
a. Penggunaan energi a. Energy consumption
b. Pengurangan emisi yang dihasilkan; b. Emission reductions achieved; Aspek Pengaduan Terkait Lingkungan Hidup Complaints Related to the Environment Aspects
c. Pengurangan limbah dan efluen; dan c. Reduction of waste and effluent; and
d. Pelestarian keanekaragaman hayati. d. Biodiversity conservation. 16. Jumlah dan Materi Pengaduan Lingkungan Hidup yang 16. Number and Material of Environmental Complaints 307
3. Aspek Sosial 3. Social Aspect 283 Diterima dan Diselesaikan. Received and Resolved.
C. Profil Perusahaan C. Company Profile
1. Visi, misi, dan nilai keberlanjutan 1. Company vision, mission, and sustainability values; 37 Kinerja Sosial Social Aspect
2. Alamat Perusahaan; 2. Company’s Address; 39 17. Komitmen untuk Memberikan Layanan atas Produk 17. Commitment to Providing Services for Equal Products 293
3. Skala usaha, meliputi: 3. Business Scale covering: 91
a. Total aset atau kapitalisasi aset, dan total kewajiban;
dan/atau Jasa yang Setara kepada Konsumen and/or Services to Consumers
a. Total assets or asset capitalization, and total liabilities;
b. Jumlah karyawan menurut jenis kelamin, jabatan, usia, b. The number of employees by gender, position, age,
pendidikan, dan status ketenagakerjaan; education, and employment status; Aspek Ketenagakerjaan Employment Aspect
c. Nama pemegang saham dan persentase kepemilikan saham; c. The name of shareholders and percentage of share
dan ownership; and 18. Kesetaraan Kesempatan Bekerja 18. Equal Employment Opportunity 202
d. Wilayah operasional. d. Operational area. 19. Tenaga Kerja Anak dan Tenaga Kerja Paksa 19. Child Labor and Forced Labor 202
4. Produk, Layanan, dan Kegiatan Usaha yang Dijalankan; 4. Products, Services, and Business Activities Conducted 46 20. Upah Minimum Regional 20. Regional Minimum Wage 202
5. Keanggotaan pada asosiasi; 5. Membership of associations; 58
6. Perubahan Emiten dan Perusahaan Publik yang Bersifat Signifikan. 6. Significant Changes in Issuer and Public Compan. 287 21. Lingkungan Bekerja yang Layak dan Aman 21. Decent and Safe Working Environment 202
22. Pelatihan dan Pengembangan Kemampuan Pegawai 22. Employee Capabilities Training and Development 202
D. Penjelasan Direksi D. Directors’ Report
1. Penjelasan Direksi 1. Director’ Report 290
a. Kebijakan untuk merespon tantangan dalam pemenuhan a. Policy for responding to challenges in fulfilling the Aspek Masyarakat Community Aspect
strategi keberlanjutan sustainability strategy 23. Dampak Operasi Terhadap Masyarakat Sekitar 23. Impact of Operations on Surrounding Communities 204
b. Penerapan keuangan berkelanjutan b. Implementation of Sustainable Finance
c. Strategi pencapaian target c. Target achievement strategy 24. Pengaduan Masyarakat 24. Public Complaint 204
25. Kegiatan Tanggung Jawab Sosial Lingkungan (TJSL) 25. Environmental and Social Responsibility Activities 198, 304
E. Tata Kelola Keberlanjutan E. Sustainability Governance
(CSR)
1. Penanggung Jawab Penerapan Keuangan Berkelanjutan 1. PIC for the Implementation of Sustainable Finance 274
2. Pengembangan Kompetensi Terkait Keuangan Berkelanjutan 2. Competency Development on Sustainable Finance 300
3. Penilaian Risiko Atas Penerapan Keuangan Berkelanjutan; 3. Risk Assessment on the Implementation of Sustainable 300 Tanggung Jawab Pengembangan Produk/Jasa Berkelanjutan Sustainable Product/Service Development Aspect 307
Finance;
4. Hubungan Dengan Pemangku Kepentingan 300
26. Inovasi dan Pengembangan Produk/Jasa Keuangan 26. Innovation and Development of Sustainable Financial
4. Stakeholder Relations
5. Permasalahan Terhadap Penerapan Keuangan berkelanjutan 5. Obstacles in implementing Sustainable Finance 300 Berkelanjutan Products/Services
27. Produk/Jasa yang Sudah Dievaluasi Keamanannya bagi 27. Safety Evaluated Products/Services for Customers
F. Kinerja Keberlanjutan F. Sustainability Aspect Performance
Pelanggan
1. Kegiatan Membangun Budaya Keberlanjutan 1. Activities to Build a Culture of Sustainability 304 28. Dampak Produk/Jasa 28. Product/Service Impact
29. Jumlah Produk yang Ditarik Kembali 29. Number of Products Recall
Kinerja Ekonomi Economic Aspect
2. Perbandingan Target dan Kinerja Produksi, Portofolio, Target 2. ComparisonofTargetandPerformanceofProduction,Portfolio, 304 30. Survei Kepuasan Pelanggan Terhadap Produk dan/atau 30. Customer Satisfaction Survey on Sustainable Financial
Pembiayaan, atau Investasi, Pendapatan dan Laba Rugi Target Financing, or Investment, Income and Profit and Loss Jasa Keuangan Berkelanjutan Products and/or Services
3. Perbandingan Target dan Kinerja Portofolio, Target Pembiayaan, 3. Comparison of Portfolio Targets and Performance, 304
atau Investasi pada Instrumen Keuangan atau Proyek yang Sejalan Financing Targets, or Investments in Financial Instruments
dengan Keuangan Berkelanjutan or Projects Compatible with Sustainable Finance G. Lain-lain G. Others
1. Verifikasi Tertulis dari Pihak Independen (jika ada) 1. Written Verification from an Independent Party (if any). N/A
Kinerja Lingkungan Hidup Environmental Aspect
2. Lembar Umpan Balik. 2. Feedback Sheet. 320
Aspek Umum General Aspect 3. Tanggapan Terhadap Umpan Balik Laporan 3. Feedback on Previous Year’s Sustainability Report. 309
4. Biaya Lingkungan Hidup 4. Environmental Cost 307 Keberlanjutan Tahun Sebelumnya.
Aspek Material Material Aspect 4. Daftar Pengungkapan Sesuai Peraturan Otoritas Jasa 4. List of Disclosures According to Financial Services 318
5. Penggunaan Material yang Ramah Lingkungan 5. Use of Environmentally Friendly Materials 282 Keuangan Nomor 51/POJK.03/2017 tentang Penerapan Authority Regulation Number 51/POJK.03/2017
Keuangan Berkelanjutan bagi Lembaga Jasa Keuangan, concerning the Implementation of Sustainable
Aspek Energi Energy Aspect
6. Jumlah dan Intensitas Energi yang Digunakan 6. Amount and Intensity of Energy Used 282 Emiten, dan Perusahaan Publik. Finance for Financial Services Institutions, Issuers, and
7. Upaya dan Pencapaian Efisiensi Energi dan Penggunaan Energi 7. Efforts and Achievements of Energy Efficiency and Use of 307 Public Companies.
Terbarukan Renewable Energy
Aspek Air Water Aspect
8. Penggunaan air 8. Water usage 282
Aspek Keanekaragaman Hayati Biodiversity Aspect
9. Dampak dari Wilayah Operasional yang Dekat atau Berada di 9. Impact of Operational Areas Near or Located in 307
Daerah Konservasi atau Memiliki Keanekaragaman Hayati Conservation Areas or Areas with Biodiversity
10. Usaha Konservasi Keanekaragaman Hayati 10. Biodiversity Conservation Effort 307
Page 162
LEMBAR UMPAN BALIK
FEEDBACK SHEET
Laporan ini menyajikan informasi terkait kinerja Perusahaan This report presents information related to performance of the
dalam aspek ekonomi, sosial, dan lingkungan. Perusahaan sangat Company in economic, social, and environmental aspects. The
mengharapkan kritik, masukan, atau saran dari Bapak/Ibu/Saudara Company welcomes your criticisms, feedback or suggestions for
untuk meningkatkan kualitas laporan keberlanjutan berikutnya. improving quality of the subsequent sustainable reports.
Pertanyaan Setuju Tidak Setuju
Questions Agree Disagree
Laporan Keberlanjutan ini telah memberikan informasi yang bermanfaat mengenai kinerja ekonomi,
sosial, dan lingkungan Perusahaan.
This Sustainability 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 Laporan ini. Please score on aspects presented in this Report.
(1 = paling penting, 2 = penting, 3 = tidak penting, 4 = sangat tidak penting). (1 = most important, 2 = important, 3 = not important, 4 = very important).
Kinerja Ekonomi Ketenagakerjaan Pengelolaan Limbah
Economic Performance Employment Waste Treatment
Portofolio Produk Penggunaan Energi Privasi Pelanggan
Product Portfolio Energy Consumption Customer Privacy
Pelatihan dan Pendidikan Kesetaraan Gender dan Kesempatan Kerja Anti Korupsi dan Anti Fraud
Training and Education yang Adil Anti-Corruption and Anti-Fraud
Gender Equality and Fair Job Opportunity
Teknologi Informasi Kesehatan dan Keselamatan Kerja Pengurangan Emisi
Information Technology Work Health and Safety Emission Reduction
Mohon berikan komentar/saran/usulan bagi laporan ini. / Please give your comments/suggestions/ideas for this report
..............................................................................................................................................................................................................................................
..............................................................................................................................................................................................................................................
..............................................................................................................................................................................................................................................
......................................................
Profil Anda / Your Profile
Nama / Name :..................................................................................................................
Pekerjaan / Occupation :..................................................................................................................
Nama Lembaga/Perusahaan / Name of Agency/Company :..................................................................................................................
Kontak (telepon, email) / Contact (phone, e-mail) :..................................................................................................................
Kategori Pemangku Kepentingan / Category of Stakeholder
Investor / Investor Pelanggan / Customer Pegawai / Employee Distributor / Distributor
Media / Media Masyarakat / Public Pemerintah / Government Lain-lain / Other
Saran dan tanggapan yang Anda berikan atas informasi yang Carolina Dina Rusdiana PT BANK OF INDIA INDONESIA Tbk
disajikan dalam Laporan ini mohon dikirimkan kepada: Jl. H. Samanhudi No. 37 Jakarta 10710
Please send your suggestion and response to information Sekretaris Perusahaan Tel. 021 3500 007 (Hunting) | Fax. 021 3808 178
presented in this Report to: Corporate Secretary Email: boiicare@boiindonesia.co.id
Page 163
PT BANK OF INDIA INDONESIA TBK LAPORAN KEUANGAN / FINANCIAL STATEMENTS Pada dan Untuk Tahun yang Berakhir Tanggal 31 Desember 2024/ As of and For the Year Ended December 31, 2024 dan/ and LAPORAN AUDITOR INDEPENDEN / INDEPENDENT AUDITOR’S REPORT
Page 164
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PT BANK OF INDIA INDONESIA TBK
DAFTAR ISI / TABLE OF CONTENTS
Halaman/
Pages
LAPORAN AUDITOR INDEPENDEN/ i–v
INDEPENDENT AUDITOR’S REPORT
LAPORAN POSISI KEUANGAN/ 1–2
STATEMENT OF FINANCIAL POSITION
LAPORAN LABA RUGI DAN PENGHASILAN KOMPREHENSIF LAIN/ 3–4
STATEMENT OF PROFIT OR LOSS AND OTHER COMPREHENSIVE INCOME
LAPORAN PERUBAHAN EKUITAS/ 5
STATEMENT OF CHANGES IN EQUITY
LAPORAN ARUS KAS/ 6-7
STATEMENT OF CASH FLOWS
CATATAN ATAS LAPORAN KEUANGAN/ 8 – 111
NOTES TO FINANCIAL STATEMENTS
Page 166
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Page 168
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PT BANK OF INDIA INDONESIA TBK PT BANK OF INDIA INDONESIA TBK
LAPORAN POSISI KEUANGAN STATEMENT OF FINANCIAL POSITION
31 DESEMBER 2024 AS OF DECEMBER 31, 2024
(Disajikan dalam Rupiah, kecuali dinyatakan lain) (Expressed in Rupiah, unless otherwise stated)
31 Desember/ 31 Desember/
Catatan/ December 31, December 31,
Notes 2024 2023
ASET ASSETS
Kas 4 14.060.906.255 11.454.169.225 Cash
Giro pada Bank Indonesia 5 150.335.811.997 189.005.478.214 Current accounts with
Bank Indonesia
Giro pada bank lain 6,32 Current accounts with other banks
- Pihak berelasi 1.137.065.602 1.026.457.910 - Related parties
- Pihak ketiga 6.132.753.197 6.638.703.772 - Third parties
Jumlah giro pada bank lain 7.269.818.799 7.665.161.682 Total current account with other
banks
Penempatan pada Bank Indonesia 7 103.984.837.756 229.674.724.871 Placements with Bank Indonesia
dan bank lain and other banks
Efek-efek 8 1.962.740.993.730 1.113.742.165.330 Marketable securities
Efek-efek yang dibeli dengan janji 9 266.444.326.913 719.191.965.012 Securities purchased under
dijual kembali agreements to resell
Tagihan derivatif 10 1.349.500.000 153.100.000 Derivative receivables
Kredit yang diberikan 11,32 Loans
- Pihak berelasi - 19.679.324 - Related parties
- Pihak ketiga 4.140.311.144.536 3.716.133.938.378 - Third parties
4.140.311.144.536 3.716.153.617.702
Dikurangi: Cadangan kerugian (119.077.078.234) (166.948.002.265) Less : Allowance for impairment
penurunan nilai losses
Kredit yang diberikan - bersih 4.021.234.066.302 3.549.205.615.437 Loans - net
Tagihan akseptasi 12 - 1.296.935.193 Acceptances receivable
Aset tetap – bersih 13 125.865.129.050 126.816.505.056 Property, plant and equipment - net
Aset takberwujud – bersih 14 5.480.819.313 4.721.638.125 Intangible asset - net
Aset pajak tangguhan - bersih 20 20.681.021.403 23.326.271.788 Deferred tax assets - net
Agunan yang diambil alih - bersih 15 96.235.216.860 128.874.080.000 Foreclosed assets - net
Aset lain-lain 16 39.474.306.887 23.434.251.022 Other assets
TOTAL ASET 6.815.156.755.265 6.128.562.060.955 TOTAL ASSETS
Lihat Catatan atas Laporan Keuangan terlampir yang merupakan bagian yang See accompanying Notes to Financial Statements which are an integral part of the
tidak terpisahkan dari Laporan Keuangan secara keseluruhan Financial Statements taken as a whole
-1-
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PT BANK OF INDIA INDONESIA TBK PT BANK OF INDIA INDONESIA TBK
LAPORAN POSISI KEUANGAN STATEMENT OF FINANCIAL POSITION
31 DESEMBER 2024 AS OF DECEMBER 31, 2024
(Disajikan dalam Rupiah, kecuali dinyatakan lain) (Expressed in Rupiah, unless otherwise stated)
31 Desember/ 31 Desember/
Catatan/ December 31, December 31,
Notes 2024 2023
LIABILITAS LIABILITIES
Liabilitas segera 17 718.159.212 1.297.539.962 Obligations due immediately
Simpanan dari nasabah 18,32 Deposits from customers
- Pihak berelasi 6.012.795.049 2.849.681.407 - Related parties
- Pihak ketiga 3.096.693.130.508 2.697.952.423.645 - Third parties
Jumlah simpanan dari nasabah 3.102.705.925.557 2.700.802.105.052 Total deposits from customers
Simpanan dari bank lain – pihak berelasi 19,32 209.296.585.611 43.747.469 Deposits from other banks – related
parties
Liabilitas derivatif 10 2.204.270.813 97.120.658 Derivative liabilities
Liabilitas akseptasi 12 - 1.296.935.193 Acceptances payables
Utang pajak 20 2.291.431.721 8.105.580.842 Taxes payable
Pendapatan diterima dimuka 4.718.706.644 2.013.532.436 Unearned income
Liabilitas imbalan pasca kerja 21 20.046.809.112 20.017.767.248 Post-employment benefits liabilities
Liabilitas lain-lain 22 15.811.714.532 16.446.727.769 Other liabilities
TOTAL LIABILITAS 3.357.793.603.202 2.750.121.056.629 TOTAL LIABILITIES
EKUITAS EQUITY
Modal saham Share capital
Modal dasar - 11.000.000.000 saham 23 737.773.369.000 737.773.369.000 Authorized - 11,000,000,000
dengan nilai nominal Rp200 per shares with par value of Rp200
saham masing-masing pada tanggal per share as of December 31,
31 Desember 2024 dan 2023 2024 and 2023, respectively
Modal ditempatkan dan disetor penuh - Issued and fully paid -
3.688.866.845 lembar saham 3,688,866,845 shares as of
masing-masing pada tanggal December 31, 2024 and 2023,
31 Desember 2024 dan 2023 respectively
Tambahan modal disetor 24 2.895.253.902.287 2.895.153.904.971 Additional paid-in capital
Cadangan revaluasi aset tetap 107.626.614.466 107.626.614.466 Property, plant and equipment
revaluation reserves
Pengukuran kembali atas program (1.260.170.494) (1.327.383.553) Remeasurement of defined
imbalan pasti – bersih benefit plan - net
Saldo laba (defisit) Retairned earning (deficit)
Ditentukan penggunaannya 20.000.000.000 20.000.000.000 Appropriated
Tidak ditentukan penggunaannya (302.030.563.196) (380.785.500.558) Unappropriated
TOTAL EKUITAS 3.457.363.152.063 3.378.441.004.326 TOTAL EQUITY
TOTAL LIABILITAS DAN EKUITAS 6.815.156.755.265 6.128.562.060.955 TOTAL LIABILITIES AND
EQUITY
Lihat Catatan atas Laporan Keuangan terlampir yang merupakan bagian yang See accompanying Notes to Financial Statements which are an integral part of the
tidak terpisahkan dari Laporan Keuangan secara keseluruhan Financial Statements taken as a whole
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PT BANK OF INDIA INDONESIA TBK PT BANK OF INDIA INDONESIA TBK
LAPORAN LABA RUGI STATEMENT OF PROFIT OR LOSS
DAN PENGHASILAN KOMPREHENSIF LAIN AND OTHER COMPREHENSIVE INCOME
UNTUK TAHUN YANG BERAKHIR FOR THE YEAR ENDED
PADA 31 DESEMBER 2024 DECEMBER 31, 2024
(Disajikan dalam Rupiah, kecuali dinyatakan lain) (Expressed in Rupiah, unless otherwise stated)
31 Desember/ 31 Desember/
Catatan/ December 31, December 31,
Notes 2024 2023
Pendapatan dan beban Operating income and
operasional expenses
Pendapatan bunga Interest income
Bunga 26,32 430.181.859.052 354.993.260.160 Interest earned
Provisi dan komisi 17.086.900 31.692.048 Fee and commissions
Jumlah pendapatan bunga 430.198.945.952 355.024.952.208 Total interest income
Beban bunga Interest expenses
Bunga 27,32 (138.327.548.365) (94.958.851.227) Interest incurred
Premi program penjaminan (6.299.027.054) (5.422.982.882) Premium on depost guarantee
simpanan program
Jumlah beban bunga (144.626.575.419) (100.381.834.109) Total interest expenses
Pendapatan bunga – bersih 285.572.370.533 254.643.118.099 Interest income - net
Pendapatan operasional lainnya Other operating income
Keuntungan transaksi mata uang 1.367.805.889 2.270.629.801 Gain on foreign exchange – net
asing – bersih
Provisi dan komisi selain dari 526.117.241 (297.132.884) Fees and commissions not related to
kredit – bersih loans – net
Penerimaan kembali kredit yang 11j 21.515.612.060 8.616.075.500 Recoveries of loans previously
telah dihapus buku written-off
Lain-lain 2.001.855.494 2.045.345.175 Others
Jumlah pendapatan operasional 25.411.390.684 12.634.917.592 Total other operating income
lainnya
Pembentukan cadangan kerugian 28 (102.860.174.413) (117.882.236.554) Provision for allowance of impairment
penurunan nilai atas aset keuangan losses on financial and non-financial
dan nonkeuangan – bersih assets – net
Beban operasional lainnya Other operating expenses
Tenaga kerja dan tunjangan 29 (52.071.558.049) (49.344.825.724) Personnel and benefits
Umum dan administrasi 30 (52.931.687.543) (39.936.888.963) General and administrative
Jumlah beban operasional lainnya (105.003.245.592) (89.281.714.687) Total other operating expenses
Beban operasional lainnya – bersih (182.452.029.321) (194.529.033.649) Other operating expenses - net
Laba operasi – bersih 103.120.341.212 60.114.084.450 Operating income – net
Lihat Catatan atas Laporan Keuangan terlampir yang merupakan bagian yang See accompanying Notes to Financial Statements which are an integral part of the
tidak terpisahkan dari Laporan Keuangan secara keseluruhan Financial Statements taken as a whole
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PT BANK OF INDIA INDONESIA TBK PT BANK OF INDIA INDONESIA TBK
LAPORAN LABA RUGI STATEMENT OF PROFIT OR LOSS
DAN PENGHASILAN KOMPREHENSIF LAIN AND OTHER COMPREHENSIVE INCOME
UNTUK TAHUN YANG BERAKHIR FOR THE YEAR ENDED
PADA 31 DESEMBER 2024 DECEMBER 31, 2024
(Disajikan dalam Rupiah, kecuali dinyatakan lain) (Expressed in Rupiah, unless otherwise stated)
31 Desember/ 31 Desember/
Catatan/ December 31, December 31,
Notes 2024 2023
Laba operasi – bersih 103.120.341.212 60.114.084.450 Operating income –
(saldo pindahan) net (balance brought forward)
Pendapatan (beban) non Non-operating income
operasional
Keuntungan dari penjualan aset tetap 13 51.249.998 477.479.941 Gain from sale of property, plant and
equipment
Lainnya – bersih (1.856.154.161) (1.789.107.957) Others - net
Jumlah beban non operasional – (1.804.904.163) (1.311.628.016) Total non-operating expense - net
bersih
Laba sebelum beban pajak Income before income
penghasilan 101.315.437.049 58.802.456.434 tax expense
Beban pajak penghasilan 20 Income tax expense
Kini 20b (19.934.206.832) (5.820.854.786) Current
Tangguhan 20d (2.626.292.855) (4.150.210.224) Deferred
Jumlah beban pajak penghasilan (22.560.499.687) (9.971.065.010) Total income tax expense
Laba bersih tahun berjalan 78.754.937.362 48.831.391.424 Net income for the year
Penghasilan komperehensif lain Other comprehesive income
Pos-pos yang tidak akan Items that will not be reclassified
direklasifikasi ke laba rugi: to profit or loss :
Pengukuran kembali atas program 21 86.170.589 1.130.893.886 Remeasurement of defined benefit
imbalan pasti plan
Pajak penghasilan terkait 20d (18.957.530) (248.796.655) Related income tax
Jumlah penghasilan 67.213.059 882.097.231 Total other comprehensive
komprehensif lain - setelah income - after tax
pajak
Jumlah penghasilan komprehensif 78.822.150.421 49.713.488.655 Total net comprehensive
bersih tahun berjalan income for the year
Laba per saham dasar 31 21,35 13,24 Basic income per share
Lihat Catatan atas Laporan Keuangan terlampir yang merupakan bagian yang See accompanying Notes to Financial Statements which are an integral part of the
tidak terpisahkan dari Laporan Keuangan secara keseluruhan Financial Statements taken as a whole
-4-
Page 175
PT BANK OF INDIA INDONESIA TBK PT BANK OF INDIA INDONESIA TBK
LAPORAN PERUBAHAN EKUITAS STATEMENT OF CHANGES IN EQUITY
Untuk Tahun yang Berakhir Tanggal 31 Desember 2024 For the Year Ended December 31, 2024
(Disajikan dalam Rupiah, kecuali dinyatakan lain) (Expressed in Rupiah, unless otherwise specified)
Cadangan Pengukuran
Modal revaluasi aset kembali Saldo laba (defisit)/
ditempatkan tetap/ Property, atas program Retained earning (deficit)
dan disetor Tambahan plant and imbalan pasti/
penuh/ Issued modal disetor/ Dana Setoran equipment Remeasurement Ditentukan Tidak ditentukan
Catatan/ and fully paid Additional paid- modal/Capital revaluation of defined benefit penggunaannya/ penggunaannya/ Jumlah ekuitas/
Notes capital in capital deposit funds reserves plan Appropriated Unappropriated Total equity
Saldo 1 Januari 2023 737.773.369.000 1.858.669.611.371 1.300.000.000.000 107.626.614.466 (2.209.480.784) 20.000.000.000 (429.616.891.982) 3.332.242.148.671 Balance as of
Januari 1. 2023
Penerbitan saham baru 23,24, 260.001.073.400 1.040.004.293.600 (1.300.000.000.000) - - - - 5.367.000 Issuance of new
melalui penawaran umum 25 shares through limited
terbatas V – bersih public offering V - net
Biaya emisi saham - (3.520.000.000) - - - - - (3.520.000.000) Stock issuance cost
Penghasilan komprehensif - - - - 882.097.231 - 48.831.391.424 49.713.488.655 Net comprehensive
bersih tahun berjalan income for the year
Saldo Per 31 Desember 2023 737.773.369.000 2.895.153.904.971 - 107.626.614.466 (1.327.383.553) 20.000.000.000 (380.785.500.558) 3.378.441.004.326 Balance as of
December 31, 2023
Koreksi penyesuaian biaya 23,24, - 99.997.316 - - - - - 99.997.316 Correction of adjustment
emisi saham PUT V 25 to share issuance costs
for rights issue V
Penghasilan komprehensif - - - - 67.213.059 - 78.754.937.362 78.822.150.421 Net comprehensive
bersih tahun berjalan income for the year
Saldo Per 31 Desember 2024 737.773.369.000 2.895.253.902.287 - 107.626.614.466 (1.260.170.494) 20.000.000.000 (302.030.563.196) 3.457.363.152.063 Balance as of
December 31, 2024
Lihat Catatan atas Laporan Keuangan terlampir yang merupakan bagian yang tidak terpisahkan dari Laporan Keuangan secara See accompanying Notes to Financial Statements which are an integral part of the Financial Statements taken as a whole
keseluruhan
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PT BANK OF INDIA INDONESIA TBK PT BANK OF INDIA INDONESIA TBK
LAPORAN ARUS KAS STATEMENT OF CASH FLOWS
UNTUK TAHUN YANG BERAKHIR PADA 31 DESEMBER 2024 FOR THE YEAR ENDED DECEMBER 31, 2024
(Disajikan dalam Rupiah, kecuali dinyatakan lain) (Expressed in Rupiah, unless otherwise stated)
31 Desember/ 31 Desember/
Catatan/ December 31, December 31,
Notes 2024 2023
ARUS KAS DARI AKTIVITAS CASH FLOWS FROM
OPERASI OPERATING ACTIVITIES
Penerimaan bunga, provisi, dan komisi 432.904.120.160 356.802.658.981 Interest, fees and commissions
received
Penerimaan operasional lainnya 36.359.277.544 12.634.917.592 Other operating income received
Pembayaran bunga, provisi dan komisi (149.794.376.019) (104.232.187.095) Interest, fees and commissions paid
Pembayaran beban tenaga kerja (51.956.345.595) (45.632.326.181) Payment of personnel expenses
dan tunjangan and benefits
Pembayaran beban umum (54.519.195.179) (27.844.750.210) General, administrative, repairs and
administrasi, pemiliharaan dan maintenance expenses paid
perbaikan
Pendapatan non operasional 2.278.969.656 8.151.109.049 Non-operating income
Arus kas sebelum perubahan dalam 215.272.450.567 199.879.422.136 Cash flows before changes in
aset dan liabilitas operasi operating assets and liabilities
Perubahan dalam aset operasi: Changes in operating assets:
Kredit (553.197.648.998) (1.283.597.512.461) Loans
Aset lain-lain (24.971.765.574) 22.773.444.152 Other assets
Perubahan dalam liabilitas operasi: Changes in operating liabilities:
Liabilitas segera (579.380.751) (59.278.713.086) Obligations due immediately
Simpanan 611.156.658.649 63.622.423.235 Deposits
Liabiltas lain-lain (4.305.931.319) 1.979.464.794 Other liabilities
Arus kas bersih diperoleh 243.374.382.574 (1.054.621.471.230) Net cash provided by (used in)
(digunakan) untuk aktivitas operating activities
operasi
ARUS KAS DARI AKTIVITAS CASH FLOWS FROM
INVESTASI INVESTING ACTIVITIES
Penambahan efek yang dimiliki hingga (848.998.828.400) (254.366.762.999) Additional of held-to maturity
jatuh tempo securities
Pengurangan efek yang dibeli dengan 452.747.638.099 1.422.248.171.091 Deductional of securities
janji dijual kembali purchased under agreements to
resell
Hasil dari penjualan aset tetap 51.249.998 103.171.982 Proceeds from sale of fixed assets
Pembelian aset tetap dan aset (8.573.393.793) (7.505.623.944) Acquisitions of fixed assets and
takberwujud intangible assets
Arus kas bersih (digunakan untuk) (404.773.334.096) 1.160.478.956.130 Net cash (used in) provided by
diperoleh dari aktivitas investasi investing activities
Lihat Catatan atas Laporan Keuangan terlampir yang merupakan bagian yang See accompanying Notes to Financial Statements which are an integral part of the
tidak terpisahkan dari Laporan Keuangan secara keseluruhan Financial Statements taken as a whole
-6-
Page 177
PT BANK OF INDIA INDONESIA TBK PT BANK OF INDIA INDONESIA TBK
LAPORAN ARUS KAS STATEMENT OF CASH FLOWS
UNTUK TAHUN YANG BERAKHIR PADA 31 DESEMBER 2024 FOR THE YEAR ENDED DECEMBER 31, 2024
(Disajikan dalam Rupiah, kecuali dinyatakan lain) (Expressed in Rupiah, unless otherwise stated)
31 Desember/ 31 Desember/
Catatan/ December 31, December 31,
Notes 2024 2023
ARUS KAS DARI AKTIVITAS CASH FLOWS FROM
PENDANAAN FINANCING ACTIVITIES
Pembayaran liabilitas sewa (495.763.632) (275.884.568) Payments of lease liabilities
Biaya emisi saham - (3.514.633.000) Share Issuance cost
Arus kas bersih digunakan untuk (495.763.632) (3.790.517.568) Net cash used in
aktivitas pendanaan financing activities
(PENURUNAN) KENAIKAN (161.894.715.154) 102.066.967.332 NET (DECREASE) INCREASE
BERSIH KAS DAN SETARA KAS IN CASH AND CASH
EQUIVALENTS
KAS DAN SETARA KAS PADA 437.799.533.992 339.578.378.623 CASH AND CASH EQUIVALENTS
AWAL TAHUN AT BEGINNING OF YEAR
Pengaruh perubahan kurs mata Effect of foreign exchange
uang asing (253.444.031) (3.845.811.963) rate changes
KAS DAN SETARA KAS 275.651.374.807 437.799.533.992 CASH AND CASH
PADA AKHIR TAHUN EQUIVALENTSAT END OF
YEAR
PENGUNGKAPAN TAMBAHAN SUPPLEMENTAL
DISCLOSURES
Kas dan setara kas terdiri dari : Cash and cash equivalents consists of:
Kas 14.060.906.255 11.454.169.225 Cash
Giro pada Bank Indonesia 150.335.811.997 189.005.478.214 Current account with Bank
Indonesia
Giro pada bank lain 7.269.818.799 7.665.161.682 Current account with other banks
Penempatan pada Bank Indonesia 103.984.837.756 229.674.724.871 Placements in Bank Indonesia
dan bank lain and other banks
Total Kas dan Setara Kas 275.651.374.807 437.799.533.992 Total Cash and Cash Equivalents
Lihat Catatan atas Laporan Keuangan terlampir yang merupakan bagian yang tidak See accompanying Notes to Financial Statements which are an integral part of the
terpisahkan dari Laporan Keuangan secara keseluruhan Financial Statements taken as a whole
-7-
Page 178
PT BANK OF INDIA INDONESIA TBK PT BANK OF INDIA INDONESIA TBK
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
UNTUK TAHUN YANG BERAKHIR FOR THE YEAR ENDED
PADA 31 DESEMBER 2024 DECEMBER 31, 2024
(Disajikan dalam Rupiah, kecuali dinyatakan lain) (Expressed in Rupiah, unless otherwise stated)
1. UMUM 1. GENERAL
a. Pendirian Bank dan Informasi Umum a. The Bank’s Establishment and General Information
PT Bank of India Indonesia Tbk (“Bank”) didirikan PT Bank of India Indonesia Tbk (the “Bank”) was
berdasarkan Akta Notaris No. 20 tanggal 28 September established based on Notarial Deed No. 20 dated
1968 dari Njoo Sioe Liep, S.H., Notaris di Surabaya, September 28, 1968 of Njoo Sioe Liep, S.H., Notary in
dengan nama PT Bank Pasar Swadesi. Akta pendirian ini Surabaya, under the name of PT Bank Pasar Swadesi.
telah mendapat pengesahan dari Menteri Kehakiman The deed of establishment was approved by the
Republik Indonesia melalui Surat Keputusan Minister of Justice of the Republic of Indonesia through
No. Y.A.5/35/8 tanggal 3 Februari 1975 serta Decision Letter No. Y.A.5/35/8 dated February 3, 1975
diumumkan dalam Berita Negara Republik Indonesia and was published in State Gazette of the Republic of
No. 19 tanggal 5 Maret 1976, Tambahan No. 162. Indonesia No. 19, Supplement No. 162, dated March 5,
1976.
Bank mendapat ijin usaha sebagai bank umum dari The Bank obtained its license to operate as a
Menteri Keuangan Republik Indonesia dengan Surat commercial bank from the Minister of Finance of the
Keputusannya No. 906/KMK.013/1989 tanggal Republic of Indonesia through Decision Letter
16 Agustus 1989. Sesuai dengan Surat Keputusan No. 906/KMK.013/1989 dated August 16, 1989.
Direksi Bank Indonesia No. 27/68/KEP/DIR tanggal Based on the Decision Letter of Bank Indonesia
12 Oktober 1994, Bank memperoleh ijin untuk No. 27/68/KEP/DIR dated October 12, 1994, the Bank
melakukan kegiatan usaha sebagai bank devisa. obtained approval to conduct foreign exchange
banking activities.
Berdasarkan Surat Keputusan Gubernur Bank Indonesia Based on the Decision Letter of Governor of
No. 13/91A/KEP.GBI/2011 tanggal 17 November 2011, Bank Indonesia No. 13/91A/KEP.GBI/2011 dated
Bank Indonesia telah menyetujui: November 17, 2011, Bank Indonesia has approved:
1. Perubahan nama PT Bank Swadesi Tbk menjadi 1. The change of the Bank’s name from PT Bank
PT Bank of India Indonesia Tbk. Swadesi Tbk to PT Bank of India Indonesia Tbk.
2. Ijin usaha Bank sebagai bank umum berdasarkan 2. The Bank’s business license as a commercial bank
Keputusan Menteri Keuangan Republik Indonesia based on the Decree of the Minister of Finance of
No. 906/KMK.013/1989 tanggal 16 Agustus 1989 the Republic of Indonesia No. 906/KMK.013/1989
tetap berlaku bagi Bank. dated August 16, 1989 is still valid for the Bank.
Pemegang saham pengendali utama Bank adalah Bank The Bank’s ultimate controlling shareholder is Bank of
of India yang didirikan di India. India which was incorporated in India.
Anggaran Dasar Bank telah mengalami perubahan The Bank’s Articles of Association have been amended
beberapa kali. Perubahan terakhir melalui Rapat Umum several times. The latest amendement through Notarial
Pemegang Saham Luar Tahunan (RUPST) yang Deed of the Extraordinary General Meeting of
didokumentasikan dalam akta No. 18 tanggal 27 Juni Shareholders No. 18 dated June 27, 2024 of
2024, di hadapan Winter Sigiro, S.H., M.H., Notaris di Winter Sigiro, S.H., M.H., Notary in Jakarta.
Jakarta. Perubahan tersebut telah disetujui oleh Menteri The amendement was approved by the Minister of
Hukum dan Hak Asasi Manusia Republik Indonesia Justice and Human Rights of the Republic of Indonesia
dengan Surat Keputusan No. AHU-AH.01.03-0173557 on its Decision Letter No. AHU-AH.01.03-0173557
tanggal 18 Juli 2024. dated July 18, 2024.
Sesuai dengan pasal 3 Anggaran Dasar Bank, ruang In accordance with article 3 of the Bank’s Articles
lingkup kegiatan Bank adalah menjalankan kegiatan of Association, the scope of its activities is to engage in
yang berhubungan dengan perbankan. activities related to banking.
Kantor pusat Bank berlokasi di Jalan H. Samanhudi The Bank’s head office is located at Jalan H.
No. 37, Jakarta Pusat. Bank mempunyai 8 kantor cabang, Samanhudi No. 37, Central Jakarta. The Bank has
6 kantor cabang pembantu, 1 kantor pusat 8 branch offices, 6 sub-branch offices, 1 non-
non-operasional dan 2 kantor kas. operational head office and 2 cash offices.
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PT BANK OF INDIA INDONESIA TBK PT BANK OF INDIA INDONESIA TBK
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
UNTUK TAHUN YANG BERAKHIR FOR THE YEAR ENDED
PADA 31 DESEMBER 2024 DECEMBER 31, 2024
(Disajikan dalam Rupiah, kecuali dinyatakan lain) (Expressed in Rupiah, unless otherwise stated)
1. UMUM (lanjutan) 1. GENERAL (continued)
b. Dewan Komisaris dan Direksi, Komite Audit dan b. Boards of Commissioners and Directors, Audit
Komite Pemantau Risiko Committee and Risk Monitoring Committee
Berdasarkan Akta Notaris Winter Sigiro S.H., M.H., Based on Notarial Deed of Winter Sigiro, S.H., M.H.,
No. 07 tanggal 27 Desember 2024 dan No 13 tanggal No. 07 dated December 27, 2024 and No. 13 date June
27 Juni 2023, susunan Dewan Komisaris dan Direksi 27, 2023 the composition of the Board of
pada tanggal 31 Desember 2024 dan 2023 adalah sebagai Commissioners and Directors as of December 31, 2024
berikut: and 2023 are as follows:
2024 2023
Komisaris Utama Sudhiranjan Padhi Sudhiranjan Padhi President Commissioner
Komisaris Independen Handadjaja Sulaiman Handadjaja Sulaiman Independent Commissioner
Komisaris Independen Lungguk Gultom Lungguk Gultom Independent Commissioner
Direktur Utama Jayaprakash Bharathan(b) RM Raharjo Satrio President Director
Unggul(a)
Wakil Direktur Utama - Jayaprakash Bharathan Vice President Director
Direktur Kepatuhan Dennis Kusuma Halim Dennis Kusuma Halim Compliance Director
Direktur Operasional Carolina Dina Rusdiana Carolina Dina Rusdiana Operational Director
Direktur Bisnis Chandra Sekhar Chandra Sekhar Business Director
Mukherjee (c) Mukherjee
Direktur Keuangan Rahmat Hendratama(d) - Finance Director
a) Berdasarkan hasil Rapat Umum Pemegang Saham a) Based on the resolution of the Annual General
Tahunan (RUPST) tanggal 24 Juni 2024, Meeting of Shareholders (AGMS) dated June 24,
menyetujui memberhentikan dengan hormat RM 2024, it was approved to honorably dismiss RM
Raharjo Satrio Unggul dari jabatannya sebagai Raharjo Satrio Unggul from his position as the
Direktur Utama Perseroan yang masa jabatannya President Director of the Company upon the
telah berakhir. completion of his term of office.
b) Jayaprakash Bharathan diangkat sebagai Direktur b) Jayaprakash Bharathan was appointed as
Utama berdasarkan keputusan RUPST pada tanggal President Director based on the AGMS decision on
27 Juni 2024 dan telah lulus uji kelayakan dan June 27, 2024 and has passed the OJK fit and
kepatutan OJK pada tanggal 14 Oktober 2024. proper test on October 14, 2024.
c) Berdasarkan keputusan Rapat Umum Pemegang c) Based on the resolution of the Extraordinary
Saham Luar Biasa tanggal 27 Desember 2024, General Meeting of Shareholders (EGMS) dated
meyetujui perubahan nomenlaktur dari semula December 27, 2024, the approval was granted for
Direktur Kredit dan International Banking menjadi the change in nomenclature from Director of Credit
Direktur Bisnis. and International Banking to Director of Business
d) Rahmat Hendratama diangkat sebagai Direktur c) Rahmat Hendratama was appointed as Director
Keuangan berdasarkan keputusan RUPSLB pada Finance based on the AGMS decision on December
tanggal 27 Desember 2024 dan berlaku efektif 27, 2024 and effective after obtaining approval
setelah mendapat persetujuan dari Otoritas Jasa from the Financial Services Authority (OJK).
Keuangan (OJK).
Susunan Komite Bank per 31 Desember 2024 dan 2023 The composition of the Bank’s Committees as of
adalah sebagai berikut: December 31, 2024 and 2023 are as follows:
2024 2023
Komite Audit Audit Committee
Ketua Lungguk Gultom Lungguk Gultom Chairman
Anggota Handadjaja Sulaiman Handadjaja Sulaiman Member
Anggota Teddy Reinier Sondakh Teddy Reinier Sondakh Member
Komite Pemantau Risiko Risk Monitoring Committee
Ketua Lungguk Gultom Lungguk Gultom Chairman
Anggota Maya Indreswari Maya Indreswari Member
Anggota Teddy Reinier Sondakh Teddy Reinier Sondakh Member
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PT BANK OF INDIA INDONESIA TBK PT BANK OF INDIA INDONESIA TBK
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
UNTUK TAHUN YANG BERAKHIR FOR THE YEAR ENDED
PADA 31 DESEMBER 2024 DECEMBER 31, 2024
(Disajikan dalam Rupiah, kecuali dinyatakan lain) (Expressed in Rupiah, unless otherwise stated)
1. UMUM (lanjutan) 1. GENERAL (continued)
b. Dewan Komisaris dan Direksi, Komite Audit dan b. Boards of Commissioners and Directors, Audit
Komite Pemantau Risiko (lanjutan) Committee and Risk Monitoring Committee
(continued)
Susunan Komite Bank per 31 Desember 2024 dan 2023 The composition of the Bank’s Committees as of
adalah sebagai berikut: (lanjutan) December 31, 2024 and 2023 are as follows:
(continued)
2024 2023
Komite Remunerasi Remuneration and Nomination
dan Nominasi Committee
Ketua Handadjaja Sulaiman Handadjaja Sulaiman Chairman
Anggota Sudhiranjan Padhi Sudhiranjan Padhi Member
Anggota Dwi Anita Kurniasih Hary Suryawan Member
Dwiputra
Gaji dan kompensasi lainnya yang dibayarkan kepada Salaries and other compensation paid to the Boards of
Dewan Komisaris dan Direksi dan Karyawan Kunci Commissioners and Directors and Key Employees for
untuk tahun-tahun yang berakhir pada 31 Desember the years ended December 31, 2024 and 2023 are as
2024 dan 2023 adalah sebagai berikut: follows:
2024 2023
Dewan Komisaris 2.142.142.300 1.202.110.710 Board of Commissioners
Dewan Direksi 6.086.181.398 6.479.355.225 Board of Directors
Karyawan Kunci 86.800.000 115.312.500 Key Managements
Bank mempunyai 219 dan 223 karyawan tetap masing- The Bank has 219 and 223 permanent employees as of
masing pada tanggal 31 Desember 2024 dan 2023 December 31, 2024 and 2023, respectively (unaudited).
(tidak diaudit).
c. Penawaran Umum Saham Bank c. Public Offering of the Bank’s Shares
Pada tanggal 12 April 2002, Bank memperoleh On April 12, 2002, the Bank obtained the notice of
pernyataan efektif dari Ketua Badan Pengawas Pasar effectivity from the Chairman of Capital Market
Modal (BAPEPAM) dengan suratnya Supervisory Agency (“BAPEPAM”) through letter
No. S-75/PM/2002 untuk melakukan penawaran umum No. S-75/PM/2002 for its public offering of 60,000,000
atas 60.000.000 saham biasa atas nama kepada common shares to the public. The nominal value is
masyarakat. Nilai nominal per saham Rp200 dengan Rp200 per share with an offering price of Rp250 per
harga penawaran Rp250 per saham. Pada tanggal share. As of May 1, 2002, these shares were listed in the
1 Mei 2002, saham tersebut telah dicatatkan pada Jakarta Stock Exchange (currently Indonesia Stock
Bursa Efek Jakarta (sekarang Bursa Efek Indonesia). Exchange or IDX).
Pada tanggal 24 Juni 2008, Bank memperoleh On June 24, 2008, the Bank obtained the notice of
pernyataan efektif dari Ketua BAPEPAM-LK dengan effectivity from the Chairman of BAPEPAM-LK
surat No. S-4071/BL/2008 untuk melakukan Penawaran through letter No. S-4071/BL/2008 for its Limited
Umum Terbatas I dengan Hak Memesan Efek Terlebih Public Offering I for Pre-emptive Rights amounting to
Dahulu (HMETD) sebesar 558.000.000 saham. 558,000,000 shares. These shares were listed in the
Saham-saham tersebut dicatatkan pada Bursa Efek Indonesia Stock Exchange on July 2, 2008.
Indonesia pada tanggal 2 Juli 2008.
Berdasarkan surat pernyataan efektif dari OJK dengan Based on notice of effectivity from OJK through letter
surat No. S-500/D.04/2014 tanggal 3 Desember 2014, No. S-500/D.04/2014 dated December 3, 2014, the
Bank telah melakukan Penawaran Umum Terbatas II Bank has undertaken Limited Public Offering II for
dalam rangka HMETD sebanyak 173.600.000 lembar Pre-emptive Rights of 173,600,000 shares from
saham dari tanggal 17 Desember 2014 sampai dengan December 17, 2014 up to January 6, 2015 with an
tanggal 6 Januari 2015 dengan harga penawaran sebesar offering price of Rp2,800 per share. These shares were
Rp2.800 per saham. Saham-saham tersebut dicatatkan listed in the Indonesia Stock Exchange on
pada Bursa Efek Indonesia pada tanggal 6 Januari 2015. January 6, 2015.
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PT BANK OF INDIA INDONESIA TBK PT BANK OF INDIA INDONESIA TBK
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
UNTUK TAHUN YANG BERAKHIR FOR THE YEAR ENDED
PADA 31 DESEMBER 2024 DECEMBER 31, 2024
(Disajikan dalam Rupiah, kecuali dinyatakan lain) (Expressed in Rupiah, unless otherwise stated)
1. UMUM (lanjutan) 1. GENERAL (continued)
c. Penawaran Umum Saham Bank (lanjutan) c. Public Offering of the Bank’s Shares (continued)
Berdasarkan surat pernyataan efektif dari OJK dengan Based on notice of effectivity from OJK through letter
surat No. S-469/D.04/2017 tanggal 13 Desember 2017, No. S-469/D.04/2017 dated December 13, 2017, the
Bank telah melakukan Penawaran Umum Tebatas III Bank has undertaken the Limited Public Offering III for
dalam rangka Penambahan Modal dengan memberikan Pre-emptive Rights of 347,200,000 shares with an
Hak Memesan Efek Terlebih Dahulu (PMHMETD) offering price of Rp1,890 per share with nominal value
sebanyak 347.200.000 lembar saham dengan harga of Rp200 per share. These shares were listed in the
pelaksanaan HMETD sebesar Rp1.890 per saham Indonesia Stock Exchange on December 29, 2017.
dengan nilai nominal sebesar Rp 200 per saham. Saham-
saham tersebut dicatatkan pada Bursa Efek Indonesia
pada tanggal 29 Desember 2017.
Berdasarkan surat pernyataan efektif dari OJK dengan Based on notice of effectivity from OJK through letter
surat No. S-178/D.04/2022 tanggal 19 Agustus 2022, No. S-178/D.04/2022 dated August 19, 2022, the Bank
Bank telah melakukan Penawaran Umum Terbatas IV has undertaken the Limited Public Offering IV for
dalam rangka Penambahan Modal dengan memberikan Pre-emptive Rights of 1,388,800,000 shares with an
Hak Memesan Efek Terlebih Dahulu (PMHMETD) offering price of Rp1,000 per share with nominal value
sebanyak 1.388.800.000 lembar saham dengan harga of Rp200 per share. These shares were listed in the
pelaksanaan HMETD sebesar Rp1.000 per saham Indonesia Stock Exchange on September 2, 2022.
dengan nilai nominal sebesar Rp200 per saham.
Saham-saham tersebut dicatatkan pada Bursa Efek
Indonesia pada tanggal 2 September 2022.
Pada tanggal 30 Maret 2023, Bank memperoleh On March 30, 2023, the Bank received an effective
pernyataan efektif dari Ketua BAPEPAM-LK dengan statement from the Chairman of BAPEPAM-LK in his
suratnya No. S-86/D.04/2023 untuk melakukan letter No. S-86/D.04/2023 to conduct a Limited Public
Penawaran Umum Terbatas V. Jumlah keseluruhan Offering V. The total number of shares issued in PUT V
saham yang telah diterbitkan dalam PUT V PT. Bank of India India Tbk is 1,300,005,367 shares.
PT. Bank of India Indonesia Tbk adalah sebanyak Thus the number of shares issued by
1.300.005.367 saham. Dengan demikian jumlah saham PT. Bank of India India, Tbk until the end of this
yang telah diterbitkan oleh PT. Bank of India Indonesia, LPO V became 3,688,866,845. In accordance with
Tbk sampai dengan berakhirnya PUT V ini menjadi Government Regulation No. 29 of 1999 concerning the
3.688.866.845. Sesuai dengan Peraturan Pemerintah Purchase of Commercial Bank Shares which, among
No.29 Tahun 1999 tentang Pembelian Saham Bank other things, stipulates that 99% of Bank shares may
Umum yang antara lain menerapkan bahwa saham Bank only be listed on the Stock Exchange, the number of
hanya boleh tercatat di Bursa Efek sebanyak banyaknya shares listed on the Indonesian Stock Exchange is
99%, maka Jumlah saham yang dicatatkan di 3,651,978,177 shares.
PT. Bursa Efek Indonesia adalah 3.651.978.177 saham.
d. Tanggung Jawab Manajemen dan Persetujuan atas d. Management’s Responsibility and Approval of the
Laporan Keuangan Financial Statement
Penyusunan dan penyajian laporan keuangan The preparation and presentation of the financial
merupakan tanggung jawab manajemen Bank dan telah statements were the responsibilities of the management
disetujui oleh Dewan Direksi Bank untuk diterbitkan of the Bank and were approved by the Board of
pada tanggal 18 Maret 2025. Directors for issuance on March 18, 2025.
2. IKHTISAR KEBIJAKAN AKUNTANSI YANG 2. SUMMARY OF MATERIAL ACCOUNTING POLICIES
MATERIAL
•
a. Pernyataan Kepatuhan •a. Statement of Compliance
Laporan keuangan telah disusun dan disajikan serta The financial statements have been prepared and
diterapkan secara konsisten dengan periode sebelumnya presented and implemented consistently with the
sesuai dengan Standar Akuntansi Keuangan previous period in accordance with Financial
di Indonesia (SAK) yang mencakup Pernyataan Standar Accounting Standards in Indonesia (FAS) which
Akuntansi Keuangan (PSAK) dan Interpretasi Standar comprise the Statements of Financial Accounting
Akuntansi Keuangan (ISAK) yang dikeluarkan oleh Standards (SFAS) and Interpretations of Financial
Dewan Standar Akuntansi Keuangan Ikatan Akuntan Accounting Standards (IFAS) issued by the Financial
Indonesia serta Pedoman Penyajian dan Pengungkapan Accounting Standards Board of the Institute of
Laporan Keuangan yang diterbitkan oleh Otoritas Jasa Indonesia Chartered Accountants and the guidelines on
Keuangan (OJK). Financial Statement Presentation and Disclosures
issued by the Financial Service Authority (OJK).
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Page 182
PT BANK OF INDIA INDONESIA TBK PT BANK OF INDIA INDONESIA TBK
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
UNTUK TAHUN YANG BERAKHIR FOR THE YEAR ENDED
PADA 31 DESEMBER 2024 DECEMBER 31, 2024
(Disajikan dalam Rupiah, kecuali dinyatakan lain) (Expressed in Rupiah, unless otherwise stated)
2. IKHTISAR KEBIJAKAN AKUNTANSI YANG 2. SUMMARY OF MATERIAL ACCOUNTING POLICIES
MATERIAL (lanjutan) (continued)
b. Dasar Penyusunan Laporan Keuangan b. Basis of Preparation of Financial Statements
Dasar penyusunan laporan keuangan Bank, kecuali The basis of preparation of the Bank’s financial
untuk laporan arus kas, adalah dasar akrual. Laporan statements, except for the statements of cash flows, is
keuangan Bank disusun berdasarkan nilai historis, the accrual basis. The financial statements are
kecuali beberapa akun tertentu disusun berdasarkan measured based on historical cost, except for certain
pengukuran lain sebagaimana diuraikan dalam kebijakan accounts which are measured on the bases described in
akuntansi masing-masing akun tersebut. the related accounting policies. Historical cost is
Biaya perolehan umumnya didasarkan pada nilai wajar generally based on the fair value of the consideration
imbalan yang diserahkan dalam perolehan aset. given in exchange of assets.
Nilai wajar adalah harga yang akan diterima untuk Fair value is the price that would be received to sell an
menjual suatu aset atau harga yang akan dibayar untuk asset or paid to transfer a liability in an orderly
mengalihkan suatu liabilitas dalam suatu transaksi transaction between market participants at the
teratur antara pelaku pasar pada tanggal pengukuran. measurement date.
Laporan arus kas disusun dengan menggunakan metode Statements of cash flows have been prepared using the
langsung yang dimodifikasi dan arus kas dikelompokkan modified direct method and the cash flows have been
atas dasar aktivitas operasi, investasi dan pendanaan. classified on the basis of operating, investing and
Kas dan setara kas terdiri dari kas, giro pada financing activities. Cash and cash equivalents consist
Bank Indonesia, giro pada bank lain, penempatan pada of cash, current accounts with Bank Indonesia, current
Bank Indonesia dan bank lain yang jatuh tempo accounts with other banks, placements with Bank
dalam waktu 3 bulan sejak tanggal perolehan, sepanjang Indonesia and other banks maturing within 3 months or
tidak digunakan sebagai jaminan atas pinjaman yang less from the acquisition date provided they are not
diterima serta tidak dibatasi penggunaannya. used as collateral for borrowings nor restricted.
Mata uang pelaporan yang digunakan dalam penyusunan The reporting currency used in the financial statements
laporan keuangan adalah mata uang Rupiah, preparation is Indonesian Rupiah, which is the
yang merupakan mata uang fungsional Bank. functional currency of the Bank.
Kecuali dinyatakan di bawah ini, kebijakan akuntansi Except as described below, the accounting policies
telah diterapkan secara konsisten dengan laporan applied are consistent with those of the annual financial
keuangan tahunan untuk tahun yang berakhir statements for the year ended December 31, 2024 which
31 Desember 2024 yang telah sesuai dengan Standar conform to the Indonesian Financial Accounting
Akuntansi Keuangan di Indonesia. Standards.
Penyusunan laporan keuangan sesuai dengan Standar The preparation of financial statements in conformity
Akuntansi Keuangan di Indonesia mengharuskan with Indonesian Financial Accounting Standards
penggunaan estimasi dan asumsi akuntansi yang requires the use of certain critical accounting estimates
signifikan. Hal tersebut juga mengharuskan manajemen and assumptions. It also requires management to
untuk membuat pertimbangan dalam proses penerapan exercise its judgment in the process of applying the
kebijakan akuntansi. Area yang kompleks atau accounting policies. Areas that are complex or require
memerlukan tingkat pertimbangan yang lebih tinggi atau a higher level of judgment or areas where assumptions
area di mana asumsi dan estimasi dapat berdampak and estimates could have a significant impact on the
signifikan terhadap laporan keuangan. financial statements.
c. Standar Baru dan Amendemen Standar Akuntansi c. New Standards and Amendments to Financial
Keuangan Efektif 1 Januari 2024 Accounting Standards Effective from January 1, 2024
Berikut ini adalah standar akuntansi keuangan, The followings are financial accounting standard,
perubahan, dan interpretasi standar akuntansi keuangan amendments and interpretation of financial accounting
yang berlaku efektif sejak 1 Januari 2024. standard which become effective starting January 1,
2024:
Amendemen PSAK No. 116, “Sewa tentang Liabilitas Amendment of SFAS 116: “Lease regarding Lease
Sewa dalam Jual dan Sewa-Balik” Amendemen ini Liability in a Sale and Leaseback”. This amendment
diadopsi dari amandemen IFRS No. 16, “Lease: lease adopted from IFRS No. 16 amendment, “Lease: lease
Liability in a Sale and Leaseback”. Amendemen ini Liability in a Sale and Leaseback”. This amendment
mengatur pengukuran selanjutnya untuk aset hak guna regulates the next measurement for right-of-use assets
dan liabilitas sewa dari transaksi jual dan sewa balik. and lease liability from sale and leaseback
transactions.
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PT BANK OF INDIA INDONESIA TBK PT BANK OF INDIA INDONESIA TBK
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
UNTUK TAHUN YANG BERAKHIR FOR THE YEAR ENDED
PADA 31 DESEMBER 2024 DECEMBER 31, 2024
(Disajikan dalam Rupiah, kecuali dinyatakan lain) (Expressed in Rupiah, unless otherwise stated)
2. IKHTISAR KEBIJAKAN AKUNTANSI YANG 2. SUMMARY OF MATERIAL ACCOUNTING POLICIES
MATERIAL (lanjutan) (continued)
c. Standar Baru dan Amendemen Standar Akuntansi c. New Standards and Amendments to Financial
Keuangan Efektif 1 Januari 2024 (lanjutan) Accounting Standards Effective from January 1, 2024
(continued)
Amendemen PSAK 201: “Penyajian Laporan Amendment of SFAS 201: “Presentation of Financial
Keuangan tentang Liabilitas Jangka Panjang dengan Statements Regarding Long-term Liabilities with
Konvenan”. Amendemen ini diadopsi dari amendemen Convenants”. This amendment was adopted from IAS
IAS No. 1, “Presentation of Financial Statements: No. 1 amendment, “Presentation of Financial
Non-Current Liabilities with Covenants”. Statements: Non-Current Liabilities with Covenants”.
Amendemen ini mengatur bahwa hanya konvenan This amendment regulates that only the convenants
yang harus dipatuhi entitas pada atau sebelum tanggal must complied with entity on or before reporting date
pelaporan yang akan mempengaruhi klasifikasi dan will affect its classification and short-term or long-term
liabilitas jangka pendek atau jangka panjang serta and its disclosure.
pengungkapannya.
Amendemen PSAK 207, “Laporan Arus Kas” dan Amendment of SFAS 207: “Statement of Cash Flows”
Amendemen PSAK 107, “Instrumen Keuangan: and Amendment of SFAS 107, “Statements of Financial
Pengungkapan tentang Pengaturan Pembiayaan Reports: Disclosure regarding Supplier Finance
Pemasok”. Amendemen ini diadopsi dari amendemen Arrangements”. This amendment adopted from IAS
IAS No. 7 “Statement of Cash Flows” dan IFRS No. 7, No. 7 Amendment “Statement of Cash Flows” dan IFRS
Financial Instruments: Disclosures – Supplier Finance No. 7, Financial Instruments: Disclosures – Supplier
Arrangements”. Amendemen ini menjelaskan Finance Arrangements”. This amendment disclose
pengungkapan terkait pengaturan pembiayaan about supplier finance arrangements.
pemasok.
Implementasi dari standar-standar dan amendemen The implementation of the above standards and
tersebut tidak menghasilkan perubahan substansial amendments did not result in substantial changes to the
terhadap kebijakan akuntansi Bank dan tidak memiliki Bank’s accounting policies and had no material impact
dampak yang material terhadap laporan keuangan di to the financial statements in the current period or prior
periode berjalan atau periode sebelumnya. financial period.
d. Instrumen Keuangan d. Financial Instruments
(i) Aset Keuangan (i) Financial Assets
Aset keuangan Bank terutama terdiri dari kas, giro The Bank’s financial assets mainly consist of cash,
pada Bank Indonesia, giro pada bank lain, current accounts with Bank Indonesia, current
penempatan pada Bank Indonesia dan bank lain, accounts with other banks, placements with Bank
efek-efek, efek-efek yang dibeli dengan janji dijual Indonesia and other banks, marketable securities,
kembali, tagihan derivatif, kredit yang diberikan, securities purchased under agreements to resell,
tagihan akseptasi dan pendapatan bunga yang masih derivative receivables, loans, acceptance
harus diterima. receivables and accrued interest receivables.
Sesuai dengan PSAK 109, Bank mengklasifikasikan In accordance with SFAS 109, the Bank classifies
aset keuangannya dalam tiga kategori: its financial assets into three categories:
(a) Aset keuangan yang diukur pada nilai wajar (a) Financial assets measured at amortised fair
diamortisasi, value,
(b) Aset keuangan yang diukur pada nilai wajar (b) Financial assets measured at fair value
melalui penghasilan komprehensif lain through other comprehensive income
(FVOCI), dan (FVOCI), and
(c) Aset keuangan yang diukur pada FVPL. (c) Financial assets measured at FVPL.
Aset keuangan diklasifikasikan menjadi kategori Financial assets are classified into these categories
tersebut diatas berdasarkan model bisnis dimana based on the business model within which they are
aset keuangan tersebut dimiliki dan karakteristik held and their contractual cash flow
arus kas kontraktualnya. Model bisnis characteristics. The business model reflects how
merefleksikan bagaimana kelompok aset keuangan groups of financial assets are managed to achieve a
dikelola untuk mencapai tujuan bisnis tertentu. particular business objective.
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PT BANK OF INDIA INDONESIA TBK PT BANK OF INDIA INDONESIA TBK
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
UNTUK TAHUN YANG BERAKHIR FOR THE YEAR ENDED
PADA 31 DESEMBER 2024 DECEMBER 31, 2024
(Disajikan dalam Rupiah, kecuali dinyatakan lain) (Expressed in Rupiah, unless otherwise stated)
2. IKHTISAR KEBIJAKAN AKUNTANSI YANG 2. SUMMARY OF MATERIAL ACCOUNTING POLICIES
MATERIAL (lanjutan) (continued)
d. Instrumen Keuangan (lanjutan) d. Financial Instruments (continued)
(i) Aset Keuangan (lanjutan) (i) Financial Assets (continued)
a) Aset keuangan yang diukur pada nilai wajar a) Financial assets measured at amortised cost
diamortisasi
Aset keuangan diukur pada biaya perolehan Financial assets measured at amortised cost if
diamortisasi jika aset keuangan dikelola dalam the financial assets are managed in a business
model bisnis yang bertujuan untuk memiliki model that aims to have financial assets in
aset keuangan dalam rangka mendapatkan arus order to obtain contractual cash flows.
kas kontraktual. Arus kas kontraktual dari aset Contractual cash flow of the financial assets
keuangan yang pada tanggal tertentu hanya which on a certain date solely payment from
berasal dari pembayaran pokok dan bunga principal and interest payments (“SPPI”) of
(“SPPI”) atas jumlah pokok terutang. the principal outstanding.
Pada saat pengakuan awal, aset keuangan yang At initial recognition, financial assets
diukur pada biaya perolehan diamortisasi measured at amortised cost are recognised at
diakui pada nilai wajarnya ditambah biaya fair value plus transaction costs (if any) and
transaksi (jika ada) dan selanjutnya diukur subsequently measured using the effective
dengan menggunakan suku bunga efektif. interest rate.
Biaya transaksi mencakup seluruh imbalan/ Transaction cost includes all fees and
provisi 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.
Tingkat suku bunga efektif adalah suku bunga The effective interest rate is the interest rate
yang secara tepat mendiskontokan estimasi that exactly discounts the estimated future
arus kas di masa datang selama perkiraan umur cash flows thorugh the expected life of the
dari aset keuangan atau liabilitas keuangan financial assets or financial liability (or,
(atau jika lebih tepat, digunakan periode yang where appropriate a shorter period) to the net
lebih singkat) untuk memperoleh nilai tercatat carrying amount at initial recognition. When
bersih pada saat pengakuan awal. Pada saat calculating the effective interest rate, the Bank
menghitung tingkat suku bunga efektif, Bank estimates future cash flows considering all
mengestimasi arus kas di masa datang dengan contractual terms of the financial instrument,
mempertimbangkan seluruh persyaratan but does not consider any future credit losses.
kontraktual dalam instrumen keuangan
tersebut, namun tidak mempertimbangkan
kerugian kredit di masa mendatang.
Pendapatan bunga dari aset keuangan yang Interest income from financial assets
diukur pada biaya perolehan diamortisasi measured at amortised cost is recorded in the
dicatat dalam laporan laba/rugi dan diakui profit/loss and is recognised as “Interest
sebagai “Pendapatan bunga”. income”.
Ketika penurunan nilai terjadi, kerugian When an impairment occurs, an impairment
penurunan nilai diakui sebagai pengurang dari loss is recognised as a deduction from the
nilai tercatat aset keuangan dan diakui di carrying value of financial assets and is
dalam laporan laba rugi sebagai “Cadangan recognised in the statement of profit or loss as
kerugian penurunan nilai”. “Allowance for impairment losses”.
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PT BANK OF INDIA INDONESIA TBK PT BANK OF INDIA INDONESIA TBK
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
UNTUK TAHUN YANG BERAKHIR FOR THE YEAR ENDED
PADA 31 DESEMBER 2024 DECEMBER 31, 2024
(Disajikan dalam Rupiah, kecuali dinyatakan lain) (Expressed in Rupiah, unless otherwise stated)
2. IKHTISAR KEBIJAKAN AKUNTANSI YANG 2. SUMMARY OF MATERIAL ACCOUNTING POLICIES
MATERIAL (lanjutan) (continued)
d. Instrumen Keuangan (lanjutan) d. Financial Instruments (continued)
(i) Aset Keuangan (lanjutan) (i) Financial Assets (continued)
b) Aset keuangan yang diukur pada nilai wajar b) Financial assets measured at fair value
melalui penghasilan komprehensif lain through other comprehensive income
(“FVOCI”) (“FVOCI”)
Aset keuangan yang diukur pada nilai wajar Financial assets measured at fair value
melalui penghasilan komprehensif lain through other comprehensive income are
merupakan aset keuangan dikelola dalam financial assets that are managed in a
model bisnis yang tujuannya akan terpenuhi business model whose objectives will be
dengan mendapatkan arus kas kontraktual dan fulfilled by obtaining contractual cash flows
menjual aset keuangan. Arus kas kontraktual and selling financial assets. Cash flow
dari aset keuangan yang pada tanggal tertentu contractual of financial assets which on a
hanya dari pembayaran pokok dan bunga certain date solely payment from principal
(“SPPI”) dari jumlah pokok terutang. and interest (“SPPI”) of the principal
outstanding.
Pada saat pengakuan awalnya, aset keuangan At initial recognition, financial instruments
yang diukur pada nilai wajar melalui measured at fair value through other
penghasilan komprehensif lain diakui pada comprehensive income are recognised at fair
nilai wajarnya ditambah biaya transaksi value plus transaction costs (if any) and
(jika ada) dan selanjutnya diukur pada nilai subsequently measured at fair value where
wajarnya dimana keuntungan atau kerugian gains or losses on changes in fair value, gains
atas perubahan nilai wajar, keuntungan atau or losses on foreign exchange, and
kerugian atas selisih kurs, dan kerugian impairment losses are recognised as other
penurunan nilai, diakui sebagai penghasilan comprehensive income.
komprehensif lain.
Kerugian kredit ekspektasian diakui sebagai Expected credit losses are recognised as
penambah/pengurang dari penghasilan addition/deduction to other comprehensive
komprehensif lain di dalam laporan keuangan income in the financial statements
(tidak mengurangi jumlah tercatat aset (not reducing the carrying amount of financial
keuangan dalam laporan keuangan). assets in the financial statements). Interest
Pendapatan bunga dihitung menggunakan income is calculated using the effective
metode suku bunga efektif. interest method.
c) Aset keuangan yang diukur pada FVPL c) Financial assets measured at FVPL
Aset keuangan yang dimiliki atau dikelola Financial assets that are held or managed for
untuk diperdagangkan dan yang kinerjanya trading and whose performance is evaluated
dievaluasi berdasarkan nilai wajar diukur pada on a fair value basis are measured at FVPL as
FVPL karena aset keuangan tersebut tidak they are neither held to collect contractual
dimiliki untuk menerima arus kas kontraktual cash flows nor held both to collect contractual
atau tidak dimiliki untuk menerima arus kas cash flows and to sell financial assets.
kontraktual dan untuk menjual aset keuangan.
Penilaian Apakah Arus Kas Kontraktual Hanya Assessment of Whether Contractual Cash Flows are
Merupakan Pembayaran Pokok dan Bunga Semata Solely Payments of Principal and Interest (SPPI)
(SPPI)
Untuk tujuan penilaian ini, 'pokok' didefinisikan For purposes of this assessment, ‘principal’ is
sebagai nilai wajar dari aset keuangan pada defined as the fair value of the financial asset on
pengakuan awal. 'Bunga' didefinisikan sebagai initial recognition. ‘Interest’ is defined as the
imbalan untuk nilai waktu atas uang dan untuk consideration for the time value of money and for
risiko kredit yang terkait dengan jumlah pokok yang the credit risk associated with the principal amount
terutang selama periode waktu tertentu dan untuk outstanding during a particular period of time and
risiko dan biaya pinjaman dasar lainnya for other basic lending risks and costs
(misalnya risiko likuiditas dan biaya administrasi) (e.g. liquidity risk and administrative costs) as well
serta marjin keuntungan. as profit margin.
- 15 -
Page 186
PT BANK OF INDIA INDONESIA TBK PT BANK OF INDIA INDONESIA TBK
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
UNTUK TAHUN YANG BERAKHIR FOR THE YEAR ENDED
PADA 31 DESEMBER 2024 DECEMBER 31, 2024
(Disajikan dalam Rupiah, kecuali dinyatakan lain) (Expressed in Rupiah, unless otherwise stated)
2. IKHTISAR KEBIJAKAN AKUNTANSI YANG 2. SUMMARY OF MATERIAL ACCOUNTING POLICIES
MATERIAL (lanjutan) (continued)
d. Instrumen Keuangan (lanjutan) d. Financial Instruments (continued)
(i) Aset Keuangan (lanjutan) (i) Financial Assets (continued)
Penilaian Apakah Arus Kas Kontraktual Hanya Assessment of Whether Contractual Cash Flows are
Merupakan Pembayaran Pokok dan Bunga Semata Solely Payments of Principal and Interest (SPPI)
(SPPI) (lanjutan) (continued)
Dalam menilai apakah arus kas kontraktual adalah In assessing whether the contractual cash flows are
SPPI, Bank mempertimbangkan ketentuan SPPI, the Bank considers the contractual terms of
kontraktual instrumen tersebut. Hal ini termasuk the instrument. This includes assessing whether the
menilai apakah aset keuangan mengandung financial asset contains a contractual term that
ketentuan kontraktual yang dapat mengubah waktu could change the timing or amount of contractual
atau jumlah arus kas kontraktual sehingga tidak cash flows such that it would not meet this
memenuhi kondisi. Dalam melakukan penilaian, condition. In making the assessment, the Bank
Bank mempertimbangkan: considers:
- Kejadian kontinjensi yang akan mengubah - Contingent events that would change the amount
jumlah dan waktu arus kas; and timing of cash flows;
- Fitur leverage; - Leverage features;
- Persyaratan pelunasan dipercepat dan - Prepayment and extension terms;
perpanjangan fasilitas;
- Ketentuan yang membatasi klaim Bank atas arus - Terms that limit the Bank’s claims to cash flows
kas dari aset tertentu (seperti pinjaman non- from specified assets (e.g. non-recourse loans);
recourse); dan and
- Fitur yang memodifikasi imbalan dari nilai - Features that modify consideration of the time
waktu atas uang (seperti penetapan ulang suku value of money (e.g. periodical reset of interest
bunga berkala). rates).
Penilaian Model Bisnis Business Model Assessment
Penilaian model bisnis Bank melakukan penilaian In regard to the business model assessment, the
terhadap tujuan model bisnis dari kepemilikan suatu Bank makes an assessment of the objective of a
aset pada tingkatan portofolio, karena hal ini yang business model in which an asset is held at a
paling mencerminkan cara bisnis dikelola dan portfolio level because this best reflects the way the
informasi diberikan kepada manajemen. business is managed and information is provided to
management.
Model bisnis mengacu pada bagaimana aset Business model refers to how financial assets are
keuangan dikelola bersama untuk menghasilkan managed together to generate cash flows for the
arus kas untuk Bank. Arus kas mungkin dihasilkan Bank. This may be collecting contractual cash
dengan menerima arus kas kontraktual, menjual aset flows, selling financial assets or both. Business
keuangan atau keduanya. Model bisnis ditentukan models are determined at a level of aggregation
pada tingkat agregasi di mana kelompok aset where groups of assets are managed together to
dikelola bersama untuk mencapai tujuan tertentu achieve a particular objective and do not depend on
dan tidak bergantung pada niat manajemen pada management's intentions for individual instruments.
instrumen individual.
Bank menilai model bisnis pada aset keuangan The Bank assesses the business model of financial
setidaknya pada tingkat lini bisnis atau pada di mana assets at least at business line level or where there
terdapat variasi mandate atau tujuan dalam lini are varying mandates or objectives within a
bisnis pada tingkat lini bisnis produk yang lebih business line at a more granular product business
granular (misalnya sub-portofolio atau sub-lini line (e.g. sub-portfolios or sub-business lines).
bisnis).
- 16 -
Page 187
PT BANK OF INDIA INDONESIA TBK PT BANK OF INDIA INDONESIA TBK
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
UNTUK TAHUN YANG BERAKHIR FOR THE YEAR ENDED
PADA 31 DESEMBER 2024 DECEMBER 31, 2024
(Disajikan dalam Rupiah, kecuali dinyatakan lain) (Expressed in Rupiah, unless otherwise stated)
2. IKHTISAR KEBIJAKAN AKUNTANSI YANG 2. SUMMARY OF MATERIAL ACCOUNTING POLICIES
MATERIAL (lanjutan) (continued)
d. Instrumen Keuangan (lanjutan) d. Financial Instruments (continued)
(i) Aset Keuangan (lanjutan) (i) Financial Assets (continued)
Penilaian Model Bisnis (lanjutan) Business Model Assessment (continued)
Penentuan model bisnis dilakukan dengan Business model determinations are made by
mempertimbangkan semua bukti relevan yang considering all relevant evidences available at the
tersedia pada tanggal penilaian, termasuk tetapi date of the assessment, which include, but not
tidak terbatas pada: limited to:
- Bagaimana kinerja bisnis dan aset keuangan - How the performance of the business and the
yang ada di dalam unit bisnis itu dievaluasi dan financial assets held within that business unit
dilaporkan kepada manajemen. Tingkat are evaluated and reported to management.
pemisahan yang diidentifikasi untuk klasifikasi The level of segregation identified for SFAS 109
PSAK 109 harus konsisten dengan bagaimana classification should be consistent with how
portofolio aset dipisahkan dan dilaporkan asset portfolios are segregated and reported to
kepada manajemen; management;
- Risiko yang mempengaruhi kinerja unit bisnis - The risks that affect the performance of the
dan aset keuangan yang dimiliki dalam unit business unit and the financial assets held within
bisnis itu dan khususnya bagaimana risiko itu that business unit and in particular the way
dikelola; dan those risks are managed; and
- Bagaimana manajer unit bisnis dikompensasi - How managers of the business unit are
(misalnya, apakah kompensasi didasarkan pada compensated (for example, whether the
nilai wajar dari aset yang dikelola atau pada arus compensation is based on the fair value of the
kas kontraktual yang dikumpulkan). assets managed or on the contractual cash flows
collected).
Penentuan model bisnis dilakukan berdasarkan Business model determinations are made on the
skenario yang diperkirakan akan terjadi oleh Bank basis of scenarios that the Bank reasonably expects
dan tidak dalam kondisi sangat tertekan atau to occur and not under highly stressed or 'worst
'kondisi terburuk'. Jika aset dijual dalam kondisi case conditions'. Where assets are disposed of
yang tidak diharapkan oleh Bank untuk berlaku under conditions that the Bank did not reasonably
ketika aset diakui, klasifikasi aset keuangan yang expect to prevail when the assets were recognised,
ada dalam portofolio tidak disajikan secara tidak the classification of existing financial assets in the
akurat, tetapi kondisi tersebut harus portfolio are not rendered inaccurate but the
dipertimbangkan untuk aset yang diperoleh pada conditions in question should be considered for any
masa mendatang. assets acquired going forward.
Perubahan pada model bisnis atau pengenalan Changes to business models or the introduction of
model bisnis baru ditentukan melalui proses new business models are determined through the
persetujuan unit bisnis baru. new business unit approval process.
Bank dapat mereklasifikasi seluruh aset keuangan The Bank can reclassify all of its financial assets, if
yang terpengaruh jika dan hanya jika, model bisnis and only if, its business model for managing those
untuk pengelolaan aset keuangan berubah. financial assets changes.
(ii) Liabilitas Keuangan (ii) Financial Liabilities
Liabilitas keuangan Bank terutama terdiri dari The Bank’s financial liabilities mainly consist of
liabilitas segera, simpanan dari nasabah, simpanan obligations due immediately, deposits from
dari bank lain, liabilitas derivatif, utang akseptasi, customers, deposits from other banks, derivative
bunga yang masih harus dibayar dan setoran liabilities, acceptance payables, accrued interest
jaminan. and security deposits.
- 17 -
Page 188
PT BANK OF INDIA INDONESIA TBK PT BANK OF INDIA INDONESIA TBK
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
UNTUK TAHUN YANG BERAKHIR FOR THE YEAR ENDED
PADA 31 DESEMBER 2024 DECEMBER 31, 2024
(Disajikan dalam Rupiah, kecuali dinyatakan lain) (Expressed in Rupiah, unless otherwise stated)
2. IKHTISAR KEBIJAKAN AKUNTANSI YANG 2. SUMMARY OF MATERIAL ACCOUNTING POLICIES
MATERIAL (lanjutan) (continued)
d. Instrumen Keuangan (lanjutan) d. Financial Instruments (continued)
(ii) Liabilitas Keuangan (lanjutan) (ii) Financial Liabilities (continued)
Liabilitas keuangan diklasifikasikan ke dalam Financial liabilities are classified into the following
kategori pengukuran sebagai berikut pada saat measurement categories at initial recognition based
pengakuan awal berdasarkan sifat dan tujuannya: on their nature and purpose:
a) Liabilitas keuangan yang diukur pada FVPL a) Financial liabilities measured at FVPL
Liabilitas keuangan diukur pada FVPL, yang Financial liabilities measured at FVPL, which
memiliki 2 sub-klasifikasi, yaitu liabilitas has 2 sub-classifications, i.e. financial liabilities
keuangan yang ditetapkan demikian pada saat designated as such upon initial recognition and
pengakuan awal dan liabilitas keuangan yang financial liabilities classified as held for trading.
diklasifikasikan dalam kelompok
diperdagangkan.
Liabilitas keuangan yang diukur pada FVPL Financial liabilities measured at FVPL is
diklasifikasikan sebagai diperdagangkan jika classified as held for trading if it is acquired or
diperoleh atau dimiliki terutama untuk tujuan incurred principally for the purpose of selling or
dijual atau dibeli kembali dalam waktu dekat repurchasing it in the near term or if it is part of
atau jika merupakan bagian dari portofolio a portfolio of identified financial instruments that
instrumen keuangan tertentu yang dikelola are managed together and for which there is
bersama dan terdapat bukti mengenai pola evidence of a recent actual pattern of short-term
ambil untung dalam jangka pendek profit-taking. Derivatives are also classified as
(short-term profit-taking) yang terkini. held for trading instrument unless they are
Derivatif diklasifikasikan sebagai instrumen designated and effective as hedging instruments.
diperdagangkan kecuali ditetapkan dan efektif
sebagai instrumen lindung nilai.
Jika Bank pada pengakuan awal telah If the Bank designated certain debt securities
menetapkan instrumen utang tertentu sebagai upon initial recognition as at FVPL
FVPL (opsi nilai wajar), maka selanjutnya, (fair value option), then this designation cannot
penetapan ini tidak dapat diubah. be changed subsequently.
Keuntungan dan kerugian yang timbul dari Gains and losses arising from changes in fair
perubahan nilai wajar liabilitas keuangan yang value of financial liabilities classified held for
diklasifikasikan sebagai diperdagangkan dicatat trading are included in the statement of profit or
dalam laporan laba rugi. loss.
b) Liabilitas keuangan yang diukur pada biaya b) Financial liabilities measured at amortised cost
perolehan diamortisasi
Liabilitas keuangan yang diukur pada biaya Financial liabilities measured at amortised cost
perolehan diamortisasi terdiri dari liabilitas consist of non-derivative financial liabilities that
keuangan non-derivatif yang tidak dimiliki are not held for trading purpose and not
Bank untuk diperdagangkan dan tidak designated at fair value through profit or loss.
ditetapkan pada nilai wajar melalui laba rugi.
Pada saat pengakuan awal, liabilitas keuangan Financial liabilities at amortised cost are
yang diukur dengan biaya perolehan initially recognised at fair value plus transaction
diamortisasi diukur pada nilai wajar ditambah costs (if any). After initial recognition, the Bank
biaya transaksi (jika ada). Setelah pengakuan measures all financial liabilities at amortised
awal, Bank mengukur seluruh liabilitas cost using effective interest rate method.
keuangan yang diukur dengan biaya perolehan
diamortisasi dengan menggunakan metode suku
bunga efektif.
- 18 -
Page 189
PT BANK OF INDIA INDONESIA TBK PT BANK OF INDIA INDONESIA TBK
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
UNTUK TAHUN YANG BERAKHIR FOR THE YEAR ENDED
PADA 31 DESEMBER 2024 DECEMBER 31, 2024
(Disajikan dalam Rupiah, kecuali dinyatakan lain) (Expressed in Rupiah, unless otherwise stated)
2. IKHTISAR KEBIJAKAN AKUNTANSI YANG 2. SUMMARY OF MATERIAL ACCOUNTING POLICIES
MATERIAL (lanjutan) (continued)
d. Instrumen Keuangan (lanjutan) d. Financial Instruments (continued)
(iii) Pengakuan (iii) Recognition
Semua aset atau liabilitas keuangan pada saat All financial assets or liabilities are measured
pengakuan awal diukur sebesar nilai wajarnya initially at their fair value plus transaction costs,
ditambah biaya transaksi, kecuali untuk aset except for financial assets and financial liabilities
keuangan dan liabilitas keuangan yang diukur pada measured at fair value through profit or loss,
nilai wajar melalui laba rugi, dimana biaya transaksi transaction costs are recognised directly in profit
diakui langsung dalam laba rugi. or loss.
Pembelian dan penjualan aset keuangan yang lazim Regular purchases and sales of financial assets are
(regular), diakui pada tanggal perdagangan dimana recognised on the trade date on which the Bank
Bank memiliki komitmen untuk membeli atau commits to purchase or sell those assets.
menjual aset tersebut.
Semua aset dan liabilitas keuangan lainnya pada All other financial assets and liabilities are initially
awalnya diakui pada tanggal perdagangan dimana recognised on the trade date at which the Bank
Bank menjadi suatu pihak dalam ketentuan becomes a party to the contractual provisions of the
kontraktual instrumen tersebut. instrument.
Biaya transaksi hanya meliputi biaya-biaya yang Transaction costs include only those costs that are
dapat diatribusikan secara langsung untuk directly attributable to the acquisition of a financial
perolehan suatu aset keuangan atau penerbitan suatu asset or issuance of a financial liability and are
liabilitas keuangan dan merupakan biaya tambahan incremental costs that would not have been
yang tidak akan terjadi apabila instrumen keuangan incurred if the financial instruments had not been
tersebut tidak diperoleh atau diterbitkan. Untuk aset acquired or issued. In the case of financial assets,
keuangan, biaya transaksi ditambahkan pada jumlah transaction costs are added to the amount
yang diakui pada awal pengakuan aset, sedangkan recognised initially, while for financial liabilities,
untuk liabilitas keuangan, biaya transaksi transaction costs are deducted from the amount of
dikurangkan dari jumlah liabilitas yang diakui pada liability recognised initially.
awal pengakuan liabilitas.
Biaya transaksi tersebut diamortisasi selama umur Such transaction costs are amortised over the terms
instrumen berdasarkan metode suku bunga efektif of the instruments based on the effective interest
dan dicatat sebagai bagian dari pendapatan bunga method and are recorded as part of interest income
untuk biaya transaksi sehubungan dengan aset for transaction costs related to financial assets or
keuangan atau sebagai bagian dari beban bunga interest expenses for transaction costs related to
untuk biaya transaksi sehubungan dengan liabilitas financial liabilities.
keuangan.
(iv) Penghentian Pengakuan (iv) Derecognition
Bank menghentikan pengakuan aset keuangan pada The Bank derecognises a financial asset when the
saat hak kontraktual atas arus kas yang berasal dari contractual rights to the cash flows from the
aset keuangan tersebut kadaluwarsa atau pada saat financial asset expire or when the Bank transfers
Bank mentransfer seluruh hak untuk menerima arus the rights to receive the contractual cash flows on
kas kontraktual dari aset keuangan dalam transaksi the financial asset in a transaction in which
dimana Bank secara substansial telah mentransfer substantially all the risks and rewards of ownership
seluruh risiko dan manfaat atas kepemilikan aset of the financial asset are transferred. Any interest
keuangan. Setiap hak atau kewajiban yang timbul in transferred financial assets that is created or
atau yang masih dimiliki oleh Bank diakui sebagai retained by the Bank is recognised as a separate
aset atau liabilitas secara terpisah. asset or liability.
Bank menghentikan pengakuan liabilitas keuangan The Bank derecognises a financial liability when its
pada saat kewajiban yang ditetapkan dalam kontrak contractual obligations are discharged or
dilepaskan atau dibatalkan atau kadaluwarsa. cancelled or expired.
- 19 -
Page 190
PT BANK OF INDIA INDONESIA TBK PT BANK OF INDIA INDONESIA TBK
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
UNTUK TAHUN YANG BERAKHIR FOR THE YEAR ENDED
PADA 31 DESEMBER 2024 DECEMBER 31, 2024
(Disajikan dalam Rupiah, kecuali dinyatakan lain) (Expressed in Rupiah, unless otherwise stated)
2. IKHTISAR KEBIJAKAN AKUNTANSI YANG 2. SUMMARY OF MATERIAL ACCOUNTING POLICIES
MATERIAL (lanjutan) (continued)
d. Instrumen Keuangan (lanjutan) d. Financial Instruments (continued)
(iv) Penghentian Pengakuan (lanjutan) (iv) Derecognition (continued)
Dalam transaksi dimana Bank secara substansial In transaction in which the Bank neither retains nor
tidak memiliki atau tidak mentransfer seluruh risiko transfers substantially all the risks and rewards of
dan manfaat atas kepemilikan aset keuangan, ownership of a financial asset, the Bank
Bank menghentikan pengakuan aset tersebut jika derecognises the asset if it does not retain control
Bank tidak lagi memiliki pengendalian atas aset over the asset. The rights and obligations retained
tersebut. Hak dan kewajiban yang masih dimiliki in the transfer are recognised separately as assets
dalam transfer tersebut diakui secara terpisah and liabilities as appropriate. In transfers in which
sebagai aset atau liabilitas. Dalam transfer dimana control over the asset is retained, the Bank
pengendalian atas aset masih dimiliki, Bank tetap continues to recognise the asset to the extent of its
mengakui aset yang ditransfer tersebut sebesar continuing involvement, determined by the extent to
keterlibatan berkelanjutan Bank yang ditentukan which it is exposed to changes in the value of the
dengan seberapa jauh Bank terekspos terhadap transferred asset.
perubahan nilai aset yang ditransfer.
Bank menghapusbukukan aset keuangan dan The Bank writes off financial assets and any related
cadangan kerugian penurunan nilai terkait pada saat allowance for impairment losses when the Bank
Bank menentukan bahwa aset keuangan tersebut determines that those financial assets are
tidak dapat ditagih. Keputusan ini diambil setelah uncollectible. The decision is reached after Bank
Bank melakukan berbagai upaya untuk memperoleh undertakes various efforts to obtain back the
kembali aset keuangan tersebut serta financial asset as well as considering information
mempertimbangkan informasi seperti telah such as the occurrence of significant changes in the
terjadinya perubahan signifikan pada posisi financial position of the borrower/financial asset
keuangan debitur/ penerbit aset keuangan sehingga issuer such that the borrower/financial asset issuer
debitur/ penerbit aset keuangan tidak lagi dapat can no longer pay the obligation or that proceeds
melunasi kewajibannya atau hasil penjualan agunan from collateral will not be sufficient to pay back the
tidak akan cukup untuk melunasi seluruh eksposur entire exposure.
yang diberikan.
(v) Saling Hapus Instrumen Keuangan (v) Offset Financial Instruments
Aset keuangan dan liabilitas keuangan saling hapus Financial assets and liabilities are offset and the net
buku dan nilai netonya disajikan dalam laporan amount presented in the statement of financial
posisi keuangan jika memiliki hak yang position when there is a legally enforceable right to
berkekuatan hukum untuk melakukan saling hapus offset the recognised amounts and there is an
buku atas jumlah yang telah diakui tersebut dan intention to settle on a net basis or to realise the
berniat untuk menyelesaikan secara neto atau untuk asset and settle the liability simultaneously.
merealisasikan aset dan menyelesaikan liabilitasnya
secara bersamaan.
Hak saling hapus tidak kontinjen atas peristiwa The legally enforceable right must not be contingent
dimasa depan dan dapat dipaksakan secara hukum on future events and must be enforceable in the
dalam situasi bisnis yang normal dan dalam normal course of business and in the event of
peristiwa gagal bayar, atau peristiwa kepailitan atau default solvency, or bankruptcy of the Bank or the
kebangkrutan Bank atau pihak lawan. counterparty.
(vi) Pengukuran Biaya Perolehan Diamortisasi (vi) Amortised Cost Measurement
Biaya perolehan diamortisasi dari aset atau liabilitas The amortised cost of a financial asset or liability is
keuangan adalah jumlah aset atau liabilitas the amount at which the financial asset or liability
keuangan yang diukur pada saat pengakuan awal, is measured at initial recognition, minus principal
dikurangi pembayaran pokok, ditambah atau repayments, plus or minus the cumulative
dikurangi dengan amortisasi kumulatif dengan amortisation using the effective interest method of
menggunakan metode suku bunga efektif yang any difference between the initial amount
dihitung dari selisih antara nilai awal dan nilai jatuh recognised and the maturity amount, and adjusted
temponya, dan untuk aset keuangan disesuaikan for any expected credit loss (ECL) allowance. The
dengan cadangan kerugian kredit ekspektasian gross carrying amount of a financial asset is the
(ECL). Nilai tercatat bruto aset keuangan amortised cost of a financial asset before adjusting
merupakan biaya perolehan diamortisasi aset for any ECL allowance.
keuangan sebelum disesuaikan dengan cadangan
ECL.
- 20 -
Page 191
PT BANK OF INDIA INDONESIA TBK PT BANK OF INDIA INDONESIA TBK
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
UNTUK TAHUN YANG BERAKHIR FOR THE YEAR ENDED
PADA 31 DESEMBER 2024 DECEMBER 31, 2024
(Disajikan dalam Rupiah, kecuali dinyatakan lain) (Expressed in Rupiah, unless otherwise stated)
2. IKHTISAR KEBIJAKAN AKUNTANSI YANG 2. SUMMARY OF MATERIAL ACCOUNTING
MATERIAL (lanjutan) POLICIES (continued)
d. Instrumen Keuangan (lanjutan) d. Financial Instruments (continued)
(vi) Pengukuran Biaya Perolehan Diamortisasi (vi) Amortised Cost Measurement (continued)
(lanjutan)
Tingkat suku bunga efektif adalah suku bunga yang The effective interest rate is the rate that exactly
secara tepat mendiskontokan estimasi arus kas pada discounts the estimated future cash flows through
masa datang selama perkiraan umur dari aset the expected life of the financial asset or financial
keuangan atau liabilitas keuangan (atau jika lebih liability (or, where appropriate, a shorter period),
tepat, digunakan periode yang lebih singkat), atas to the gross carrying amount of the financial asset
nilai tercatat bruto aset keuangan (ketika aset tidak (when the asset is not credit-impaired) or to the
mengalami penurunan nilai kredit) atau pada biaya amortised cost of the financial liability. When
perolehan diamortisasi untuk liabilitas keuangan. calculating the effective interest rate, the Bank
Pada saat menghitung tingkat suku bunga efektif, estimates future cash flows considering all
Bank mengestimasi arus kas pada masa datang contractual terms of the financial instrument (for
dengan mempertimbangkan seluruh ketentuan example prepayment options), but does not
kontraktual dalam instrumen keuangan tersebut consider any future credit losses. For purchased or
(antara lain opsi pelunasan dipercepat), namun originated credit-impaired financial assets, a
tidak mempertimbangkan kerugian kredit pada credit adjusted effective interest rate is calculated
masa mendatang. Untuk aset keuangan yang dibeli using estimated future cash flows including ECL.
atau yang berasal dari aset keuangan memburuk,
suku bunga efektif yang disesuaikan dengan risiko
kredit dihitung dengan menggunakan arus kas pada
masa datang termasuk ECL.
Perhitungan suku bunga efektif mencakup biaya The calculation of the effective interest rate
transaksi dan seluruh provisi yang dibayarkan atau includes transaction costs and all fees paid or
diterima yang merupakan bagian tak terpisahkan received that are an integral part of the effective
dari suku bunga efektif. interest rate.
(vii) Pengukuran Nilai Wajar (vii) Fair Value Measurement
Nilai wajar adalah harga yang akan diterima untuk Fair value is an acceptable amount at which a
menjual suatu aset atau harga yang akan dibayar financial asset could be sold or price paid to
untuk mengalihkan suatu liabilitas dalam transaksi exchange liabilities in an orderly transaction
teratur (orderly transaction) antara pelaku pasar between market participants on a measurement
(market participants) pada tanggal pengukuran di date in an active market, or in the absence of an
pasar utama atau, jika tidak terdapat pasar utama, active market, in a market most profitable in which
di pasar yang paling menguntungkan dimana Bank Bank has an access on that date. Fair value of
memiliki akses pada tanggal tersebut. Nilai wajar liabilities reflects the risk of default.
liabilitas mencerminkan risiko wanprestasinya.
Jika tersedia, Bank mengukur nilai wajar instrumen When available, the Bank measures the fair value
keuangan dengan menggunakan harga kuotasian di of a financial instrument using the quoted price in
pasar aktif untuk instrumen tersebut. Suatu pasar an active market for that instrument. A market is
dianggap aktif jika transaksi atas aset dan liabilitas regarded as active if transactions for the asset or
terjadi dengan frekuensi dan volume yang memadai liability takes place with sufficient frequency and
untuk menyediakan informasi penentuan harga volume to provide pricing information on an
secara berkelanjutan. ongoing basis.
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Page 192
PT BANK OF INDIA INDONESIA TBK PT BANK OF INDIA INDONESIA TBK
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
UNTUK TAHUN YANG BERAKHIR FOR THE YEAR ENDED
PADA 31 DESEMBER 2024 DECEMBER 31, 2024
(Disajikan dalam Rupiah, kecuali dinyatakan lain) (Expressed in Rupiah, unless otherwise stated)
2. IKHTISAR KEBIJAKAN AKUNTANSI YANG 2. SUMMARY OF MATERIAL ACCOUNTING POLICIES
MATERIAL (lanjutan) (continued)
d. Instrumen Keuangan (lanjutan) d. Financial Instruments (continued)
(vii) Pengukuran Nilai Wajar (lanjutan) (vii) Fair Value Measurement (continued)
Jika harga kuotasian tidak tersedia di pasar aktif, If there is no quoted price in an active market, then
Bank menggunakan teknik penilaian dengan the Bank uses valuation techniques that maximize
memaksimalkan penggunaan input yang dapat the use of relevant observable inputs and minimize
diobservasi dan relevan dan meminimalkan the use of unobservable inputs. The chosen
penggunaan input yang tidak dapat diobservasi. valuation technique incorporates all of the factors
Teknik penilaian yang dipilih menggabungkan that market participants would take into account in
semua faktor yang diperhitungkan oleh pelaku pricing a transaction.
pasar dalam penentuan harga transaksi.
Bukti terbaik atas nilai wajar instrumen keuangan The best evidence of the fair value of a financial
pada saat pengakuan awal adalah harga transaksi, instrument at initial recognition is normally the
yaitu nilai wajar dari pembayaran yang diberikan transaction price, i.e., the fair value of the
atau diterima. Jika Bank menetapkan bahwa nilai consideration given or received. If the Bank
wajar pada pengakuan awal berbeda dengan harga determines that the fair value at initial recognition
transaksi dan nilai wajar tidak dapat dibuktikan differs from the transaction price and the fair value
dengan harga kuotasian di pasar aktif untuk aset is evidenced neither by a quoted price in an active
atau liabilitas yang identik atau berdasarkan teknik market for an identical asset or liability nor based
penilaian yang hanya menggunakan data dari pasar on a valuation technique that uses only data from
yang dapat diobservasi, maka nilai wajar instrumen observable markets, then the financial instrument is
keuangan pada saat pengakuan awal disesuaikan initially measured at fair value, adjusted to defer
untuk menangguhkan perbedaan antara nilai wajar the difference between the fair value at initial
pada saat pengakuan awal dan harga transaksi. recognition and the transaction price.
Setelah pengakuan awal, perbedaan tersebut diakui Subsequently, that difference is recognised in profit
dalam laba rugi berdasarkan umur dari instrumen or loss on an appropriate basis over the life of the
tersebut namun tidak lebih lambat dari saat instrument but no later than when the valuation is
penilaian tersebut didukung sepenuhnya oleh data wholly supported by observable market data or
pasar yang dapat diobservasi atau saat transaksi when the transaction is closed.
ditutup.
Jika aset atau liabilitas yang diukur pada nilai wajar If an asset or a liability measured at fair value has
memiliki harga penawaran dan harga permintaan, a bid price and an ask price, then the Bank
maka Bank mengukur aset dan posisi long measures assets and long positions at a bid price
berdasarkan harga penawaran dan mengukur and liabilities and short positions at an ask prices.
liabilitas dan posisi short berdasarkan harga
permintaan.
Portofolio aset keuangan dan liabilitas keuangan Portfolios of financial assets and financial
yang diukur pada nilai wajar yang terekspos risiko liabilities measured at fair value that are exposed
pasar dan risiko kredit yang dikelola oleh Bank to market risk and credit risk that are managed by
berdasarkan eksposur netonya baik terhadap risiko the Bank on the basis of the net exposure to either
pasar ataupun risiko kredit diukur berdasarkan market or credit risk are measured on the basis of
harga yang akan diterima untuk menjual posisi net a price that would be received to sell a net long
long (atau dibayar untuk mengalihkan posisi net position (or paid to transfer a net short position)
short) untuk eksposur risiko tertentu. Penyesuaian for a particular risk exposure. Those portfolio level
pada level portofolio tersebut dialokasikan pada adjustments are allocated to the individual assets
aset dan liabilitas individual berdasarkan and liabilities on the basis of the relative risk
penyesuaian risiko relatif dari masing-masing adjustment of each of the individual instruments in
instrumen individual di dalam portofolio. the portfolio.
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Page 193
PT BANK OF INDIA INDONESIA TBK PT BANK OF INDIA INDONESIA TBK
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
UNTUK TAHUN YANG BERAKHIR FOR THE YEAR ENDED
PADA 31 DESEMBER 2024 DECEMBER 31, 2024
(Disajikan dalam Rupiah, kecuali dinyatakan lain) (Expressed in Rupiah, unless otherwise stated)
2. IKHTISAR KEBIJAKAN AKUNTANSI YANG 2. SUMMARY OF MATERIAL ACCOUNTING POLICIES
MATERIAL (lanjutan) (continued)
e. Transaksi dengan Pihak Berelasi e. Transactions with Related Parties
Dalam usahanya, Bank melakukan transaksi dengan In the normal course of business, the Bank enters into
pihak-pihak berelasi. Dalam laporan keuangan ini, transactions with related parties. In these financial
istilah pihak berelasi sesuai dengan PSAK 224 tentang statements, the term related parties are defined under
“Pengungkapan Pihak-pihak Berelasi”. SFAS No. 224 on “Related Parties Disclosures”.
Suatu pihak dianggap pihak berelasi dengan Bank jika: A party is considered as a related party of the Bank if:
1) Langsung atau tidak langsung yang melalui satu 1) A party directly or indirectly through one or more
atau lebih perantara, suatu pihak (i) intermediaries, a party (i) controls, or controlled
mengendalikan, atau dikendalikan oleh, atau by, or under common control with the Bank; (ii)
berada di bawah pengendalian bersama, dengan has substantial importance in the Bank that gives
Bank; (ii) memiliki kepentingan dalam Bank yang significant influence to the Bank; or (iii) has joint
memberikan pengaruh signifikan atas Bank; atau control over the Bank;
(iii) memiliki pengendalian bersama atas Bank;
2) Suatu pihak yang berada dalam kelompok usaha 2) A party which is related to the Bank;
yang sama dengan Bank;
3) Suatu pihak adalah ventura bersama dimana Bank 3) A party is a joint venture in which the Bank acts as
sebagai venturer; a venturer;
4) Suatu pihak adalah anggota dari personil dari 4) A party is a member of the key management
manajemen kunci Bank; personnel of the Bank;
5) Suatu pihak adalah anggota keluarga dekat dari 5) A party is a close family member of an individual
individu yang diuraikan dalam butir (1) atau (4); as described in point (1) or (4);
6) Suatu pihak adalah entitas yang dikendalikan, 6) A party is an entity that is controlled, jointly
dikendalikan bersama atau dipengaruhi signifikan controlled or significantly influenced by or has
oleh atau untuk pihak yang memiliki hak suara significant voting rights in several entities, directly
signifikan pada beberapa entitas, langsung maupun or indirectly, which are individuals describe in
tidak langsung, yaitu individu seperti diuraikan point (4) or (5); and
dalam butir (4) atau (5); dan
7) Suatu pihak adalah suatu program imbalan 7) A party is a post-employment benefit plan program
pascakerja untuk imbalan kerja dari Bank atau for the employee benefit of either the Bank or its
entitas yang terkait dengan Bank. related party.
Transaksi dengan pihak-pihak berelasi dilakukan Transactions with related parties are carried out under
dengan syarat dan kondisi yang sama dengan the same terms and conditions as the transactions with
transaksi-transaksi dengan pihak ketiga. third parties.
Seluruh transaksi dan saldo yang material dengan All significant transactions and balances with related
pihak-pihak berelasi diungkapkan dalam catatan atas parties are disclosed in the notes to the financial
laporan keuangan. statements.
f. Kas f. Cash
Kas terdiri dari kas di khazanah, kas di anjungan tunai Cash comprised of cash on vault, cash on automated
mandiri dan kas kecil. Setelah pengakuan awal, kas teller machines and petty cash. Subsequent to initial
diukur pada biaya perolehan diamortisasi. recognition, cash are measured at amortised cost.
g. Giro pada Bank Indonesia dan Bank Lain g. Current Accounts with Bank Indonesia and Other
Banks
Setelah pengakuan awal, giro pada Bank Indonesia dan Subsequent to initial recognition, current accounts with
bank lain diukur pada biaya perolehan diamortisasi Bank Indonesia and other banks are measured at
dengan menggunakan metode suku bunga efektif. amortised cost using the effective interest method.
Giro pada Bank Indonesia disajikan sebesar biaya Current accounts with Bank Indonesia are stated at
perolehan. Giro pada bank lain dinyatakan sebesar saldo acquisition cost. Current accounts with other banks are
giro dikurangi penyisihan kerugian penurunan nilai bila stated at their outstanding balance, net of allowance for
terdapat indikasi penurunan nilai. impairment loss when there is indication of impairment.
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PT BANK OF INDIA INDONESIA TBK PT BANK OF INDIA INDONESIA TBK
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
UNTUK TAHUN YANG BERAKHIR FOR THE YEAR ENDED
PADA 31 DESEMBER 2024 DECEMBER 31, 2024
(Disajikan dalam Rupiah, kecuali dinyatakan lain) (Expressed in Rupiah, unless otherwise stated)
2. IKHTISAR KEBIJAKAN AKUNTANSI YANG 2. SUMMARY OF MATERIAL ACCOUNTING POLICIES
MATERIAL (lanjutan) (continued)
h. Penempatan pada bank indonesia dan bank lain h. Placements with bank indonesia and other banks
Penempatan pada Bank Indonesia dan bank lain Placements with Bank Indonesia and other banks are
merupakan penanaman dana dalam bentuk Fasilitas placements in the form of Bank Indonesia Deposit
Simpanan Bank Indonesia (FASBI), call money, Facility (FASBI), call money, time deposits and others.
deposito berjangka dan lain-lain.
Penempatan pada Bank Indonesia dan bank lain Placements with Bank Indonesia and other banks are
disajikan sebesar biaya perolehan diamortisasi dengan stated at amortised cost using the effective interest rate
menggunakan suku bunga efektif dikurangi dengan less allowance for impairment losses.
cadangan kerugian penurunan nilai.
i. Efek-efek i. Marketable securities
Surat berharga terdiri dari obligasi pemerintah dan Securities consist of government bonds and Bank
Sertifikat Bank Indonesia yang diperdagangkan di pasar Indonesia Certificates traded on the money market.
uang.
Surat-surat berharga pada awalnya disajikan sebesar Marketable securities are initially measured at fair
nilai wajarnya. Setelah pengakuan awal, surat-surat value. After the initial recognition, the marketable
berharga dicatat sesuai dengan kategorinya yaitu securities are recorded according to their category, i.e.,
investasi pada biaya perolehan diamortisasi, FVOCI amortised cost investments, FVOCI or at FVPL.
atau berdasar FVPL.
Penilaian surat-surat berharga didasarkan atas The value of marketable securities is stated based on the
klasifikasian sebagai berikut: classification as follows:
- Surat-surat berharga yang dicatat pada biaya - Amortised cost marketable securities are carried
perolehan yang diamortisasi menggunakan metode at amortised cost using the effective interest rate
suku bunga efektif. method.
- Surat-surat berharga yang dimiliki untuk - Marketable securities classified as held for trading
diperdagangkan dan yang ditetapkan pada nilai and designated at FVPL on initial recognition are
wajar melalui laba rugi pada saat pengakuan awal stated at fair value. Gains and losses from changes
dinyatakan pada nilai wajar. Keuntungan dan in fair value are recognised in profit or loss.
kerugian yang timbul dari perubahan nilai wajar
diakui dalam laba rugi.
- Surat-surat berharga yang diklasifikasikan pada - Marketable securities classified as FVOCI
FVOCI dinyatakan pada nilai wajar. Setelah investments are stated at fair value. Subsequently,
pengakuan awal, aset keuangan tersebut diukur financial assets carried at fair value with all
pada nilai wajar dimana keuntungan dan kerugian unrealised gains or losses arising from changes in
yang belum direalisasi atas perubahan nilai wajar fair value are recognised in other comprehensive
akan diakui sebagai penghasilan komprehensif income. Interest income is recognised in profit or
lain. Pendapatan bunga diakui dalam laba rugi loss using the effective interest rate method.
menggunakan metode suku bunga efektif.
Perubahan nilai wajar lainnya diakui secara langsung Other fair value changes are recognised directly in
dalam ekuitas sampai dengan surat-surat berharga equity until the marketable securities are sold or
tersebut dijual atau mengalami penurunan nilai, dimana impaired, whereby the cumulative gains and losses
keuntungan dan kerugian kumulatif yang sebelumnya previously recognised in equity are recognised in the
diakui dalam ekuitas harus diakui pada laporan laba rugi statement of profit or loss and other comprehensive
dan penghasilan komprehensif lain. income.
j. Efek-efek yang dibeli dengan janji dijual kembali j. Securities purchased under agreements to resell
Efek-efek yang dibeli kembali dengan janji dijual Marketable securities purchased under agreements to
kembali merupakan transaksi dimana Bank membeli resell are transactions in which the Bank purchases a
aset keuangan dan secara simultan masuk ke dalam financial assets and simultaneously enters into an
perjanjian untuk menjual kembali aset (atau aset yang agreement to resell the asset (or substantially similar
serupa secara substansial) dengan harga tetap pada masa asset) at a fixed price on a future date. The underlying
depan. Aset yang mendasari tidak diakui dalam laporan asset is not recognised in the Bank’s financial
keuangan Bank. statements.
- 24 -
Page 195
PT BANK OF INDIA INDONESIA TBK PT BANK OF INDIA INDONESIA TBK
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
UNTUK TAHUN YANG BERAKHIR FOR THE YEAR ENDED
PADA 31 DESEMBER 2024 DECEMBER 31, 2024
(Disajikan dalam Rupiah, kecuali dinyatakan lain) (Expressed in Rupiah, unless otherwise stated)
2. IKHTISAR KEBIJAKAN AKUNTANSI YANG 2. SUMMARY OF MATERIAL ACCOUNTING POLICIES
MATERIAL (lanjutan) (continued)
j. Efek-efek yang dibeli dengan janji dijual kembali j. Securities purchased under agreements to resell
(lanjutan) (continued)
Pada pengukuran awal, surat berharga yang dibeli Marketable securities purchased under agreements to
dengan janji dijual kembali disajikan sebesar nilai wajar resell are initially measured at fair value plus directly
ditambah dengan biaya transaksi yang dapat attributable transaction costs.
diatribusikan secara langsung.
Setelah pengakuan awal, efek-efek yang dibeli dengan Subsequent to initial recognition, securities purchased
janji dijual kembali diukur pada biaya perolehan under agreements to resell are measured at amortised
diamortisasi. Selisih antara harga beli dan harga jual cost. The difference between purchase and resale price
kembali diakui sebagai pendapatan bunga dengan is recognised as interest income using the effective
menggunakan metode suku bunga efektif. interest method.
Surat berharga yang dibeli dengan janji dijual kembali Marketable securities purchased under agreements to
disajikan sebagai aset dalam laporan posisi keuangan resell are presented as an asset in the statement of
sebesar harga beli ditambah dengan pendapatan bunga financial position at the purchase price added with
yang sudah diakui tapi belum diterima, dikurangi interest income recognised but not yet received, less
dengan cadangan kerugian penurunan nilai, jika allowance for impairment losses, where appropriate.
diperlukan.
k. Tagihan dan Liabilitas Derivatif k. Derivative Receivables and Liabilities
Seluruh instrumen derivatif (termasuk transaksi valuta All derivative instruments (including foreign currency
asing untuk tujuan pendanaan dan perdagangan) dicatat transactions for funding and trading) are recorded in
dalam laporan posisi keuangan berdasarkan nilai the statement of financial position at fair value. Fair
wajarnya. Nilai wajar tersebut ditentukan berdasarkan value is determined based on market value using Reuters
harga pasar dengan menggunakan kurs Reuters pada rate at reporting date or discounted cash flow method.
tanggal laporan atau metode diskonto arus kas.
Keuntungan atau kerugian dari kontrak derivatif Gains or losses on derivative contracts are presented in
disajikan dalam laporan keuangan berdasarkan tujuan the financial statements based on its purpose on the
Bank atas transaksi yaitu untuk (1) lindung nilai atas transaction as (1) a hedge of the fair value, (2) a cash
nilai wajar, (2) lindung nilai atas arus kas, (3) lindung flow hedge, (3) a hedge of a net investment in foreign
nilai atas investasi neto pada kegiatan operasi luar negeri operations and (4) trading instruments, as follows:
dan (4) instrumen perdagangan, sebagai berikut:
a. Keuntungan atau kerugian dari kontrak derivatif a. Gains or losses on derivative contracts that
yang ditujukan dan memenuhi syarat sebagai are designated and qualify as hedging instruments
instrumen lindung nilai atas nilai wajar dan in the fair value of assets and liabilities that
keuntungan atau kerugian atas perubahan nilai wajar are protected, recognised as a gain or loss
aset dan liabilitas yang dilindungi, diakui sebagai may be offset in the same accounting period.
laba atau rugi yang dapat saling hapus dalam periode Any difference representing hedge show
akuntansi yang sama. Setiap selisih yang terjadi ineffectiveness and directly recognises as profit or
menunjukkan terjadinya ketidakefektifan lindung loss in current year.
nilai dan secara langsung diakui sebagai laba atau
rugi tahun berjalan.
b. Bagian efektif dari keuntungan atau kerugian atas b. The effective portions of gains or losses on
kontrak derivatif yang ditujukan sebagai lindung derivative contracts designated as cash flow hedge
nilai atas arus kas dilaporkan sebagai penghasilan are reported as other comprehensive income. The
komprehensif lainnya. Bagian yang tidak efektif dari ineffective portions of the hedge are reported as
lindung nilai dilaporkan sebagai laba atau rugi tahun profit or loss in current year.
berjalan.
c. Keuntungan atau kerugian dari kontrak derivatif c. Gains or losses on derivative contracts designated
yang ditujukan sebagai lindung nilai atas investasi as hedges of a net investment in a foreign operation
neto pada kegiatan operasi luar negeri dilaporkan are reported as other comprehensive income to the
sebagai penghasilan komprehensif lainnya, extent as long as it is effective as a hedge.
sepanjang transaksi tersebut dianggap efektif
sebagai transaksi lindung nilai.
- 25 -
Page 196
PT BANK OF INDIA INDONESIA TBK PT BANK OF INDIA INDONESIA TBK
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
UNTUK TAHUN YANG BERAKHIR FOR THE YEAR ENDED
PADA 31 DESEMBER 2024 DECEMBER 31, 2024
(Disajikan dalam Rupiah, kecuali dinyatakan lain) (Expressed in Rupiah, unless otherwise stated)
2. IKHTISAR KEBIJAKAN AKUNTANSI YANG 2. SUMMARY OF MATERIAL ACCOUNTING POLICIES
MATERIAL (lanjutan) (continued)
k. Tagihan dan liabilitas derivatif (lanjutan) k. Derivative receivables and liabilities (continued)
Keuntungan atau kerugian dari kontrak derivatif Gains or losses on derivative contracts are presented in
disajikan dalam laporan keuangan berdasarkan tujuan the financial statements based on its purpose on the
Bank atas transaksi yaitu untuk (1) lindung nilai atas transaction as (1) a hedge of the fair value, (2) a cash
nilai wajar, (2) lindung nilai atas arus kas, (3) lindung flow hedge, (3) a hedge of a net investment in foreign
nilai atas investasi neto pada kegiatan operasi luar negeri operations and (4) trading instruments, as follows:
dan (4) instrumen perdagangan, sebagai berikut: (continued)
(lanjutan)
d. Keuntungan atau kerugian dari kontrak derivatif d. Gains or losses on derivative contracts not
yang tidak ditujukan sebagai instrumen lindung nilai designated as a hedging instrument (or derivative
(atau kontrak derivatif yang tidak memenuhi contract that does not qualify as a hedging
persyaratan sebagai instrumen lindung nilai) diakui instrument) is recognised as profit or loss in current
sebagai laba atau rugi pada tahun berjalan. year.
Tagihan derivatif diklasifikasikan sebagai aset keuangan Derivative receivables are classified as financial assets
dalam kelompok diukur pada nilai wajar melalui laba at fair value through profit or loss, whereas the
rugi, sedangkan liabilitas derivatif diklasifikasikan derivative liabilities classified as financial liabilities in
sebagai liabilitas keuangan dalam kelompok diukur measured at fair value through profit or loss.
pada nilai wajar melalui laba rugi.
l. Tagihan dan Liabilitas Akseptasi l. Acceptance Receivables and Liabilities
Tagihan akseptasi diklasifikasikan sebagai aset Acceptance receivables are classified as financial assets
keuangan dalam kelompok biaya perolehan measured at amortized cost. Acceptance liabilities are
diamortisasi. Liabilitas akseptasi diklasifikasikan classified financial liabilities measured at amortized
sebagai liabilitas keuangan yang diukur dengan biaya cost.
perolehan diamortisasi.
Lihat (Catatan 2d) untuk kebijakan akuntansi atas aset Refer to (Note 2d) for the accounting policies of
dan liabilitas keuangan. financial assets and liabilities.
m. Kredit yang Diberikan m. Loans
Kredit yang diberikan diukur pada biaya perolehan Loans are measured at amortised cost using the effective
diamortisasi menggunakan metode suku bunga efektif, interest method, less allowance for impairment losses.
dikurangi dengan cadangan kerugian penurunan nilai. Amortised cost is calculated by taking into account any
Biaya perolehan diamortisasi dihitung dengan discount or premium on acquisition and transaction
memperhitungkan diskonto atau premi pada saat costs that are an integral part of effective interest rate.
akuisisi dan biaya transaksi yang merupakan bagian The amortisation is recognised in profit or loss.
tidak terpisahkan dari suku bunga efektif. Amortisasi
diakui dalam laba rugi.
Kredit yang diberikan adalah penyediaan uang atau Loans represent funds provided or receivables that can
tagihan yang dapat disetarakan dengan itu, berdasarkan be considered as equivalents thereof, based on
persetujuan atau kesepakatan pinjam-meminjam dengan agreements or financing contracts with borrowers,
debitur yang mewajibkan debitur untuk melunasi utang where borrowers are required to repay their debts with
dan bunganya setelah jangka waktu tertentu. interest after a specified period.
Kredit yang diberikan diklasifikasikan sebagai kredit Loans are classified as loans and receivables under
yang diberikan dan piutang berdasarkan PSAK 239 dan SFAS 239 and are classified as financial assets at
klasifikasi aset keuangan pada biaya diamortisasi amortised cost under SFAS 109.
berdasarkan PSAK 109.
Restrukturisasi kredit yang diberikan Loan restructuring
Restrukturisasi kredit meliputi modifikasi persyaratan Loan restructuring may involve a modification of the
kredit, konversi kredit menjadi saham atau instrumen terms of the loans, conversion of loans into equity or
keuangan lainnya dan/atau kombinasi dari keduanya. other financial instruments and/or a combination of
both.
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Page 197
PT BANK OF INDIA INDONESIA TBK PT BANK OF INDIA INDONESIA TBK
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
UNTUK TAHUN YANG BERAKHIR FOR THE YEAR ENDED
PADA 31 DESEMBER 2024 DECEMBER 31, 2024
(Disajikan dalam Rupiah, kecuali dinyatakan lain) (Expressed in Rupiah, unless otherwise stated)
2. IKHTISAR KEBIJAKAN AKUNTANSI YANG 2. SUMMARY OF MATERIAL ACCOUNTING POLICIES
MATERIAL (lanjutan) (continued)
m. Kredit yang Diberikan (lanjutan) m. Loans (continued)
Restrukturisasi kredit yang diberikan (lanjutan) Loan restructuring (continued)
Untuk restrukturisasi kredit bermasalah dengan cara For non-performing loan restructuring which involves a
konversi kredit yang diberikan menjadi saham atau conversion of loans into equity or other financial
instrumen keuangan lainnya, kerugian dari instruments, a loss on loan restructuring is recognised
restruktrurisasi kredit diakui hanya apabila nilai wajar only if the fair value of the equity investments or other
penyertaan saham atau instrumen keuangan yang financial instruments received, reduced by estimated
diterima dikurangi estimasi biaya untuk menjualnya, costs to sell the equity or other financial instruments, is
adalah kurang dari nilai tercatat kredit yang diberikan. less than the carrying value of loan.
Setelah syarat dan ketentuan kredit direnegosiasi, After the terms of loans have been renegotiated, any
penurunan nilai diukur dengan menggunakan suku impairment is measured using the original effective
bunga efektif awal yang dihitung sebelum persyaratan interest rate as calculated before the modification of
dimodifikasi dan kredit tersebut tidak lagi dianggap terms and the loan is no longer considered past due.
menunggak. Manajemen akan melakukan penelaahan Management continuously reviews renegotiated loans to
ulang atas kredit yang direnegosiasi secara ensure that all criteria are met and that future payments
berkelanjutan untuk memastikan bahwa semua kriteria are likely to occur. The loans continue to be subjected to
terpenuhi dan pembayaran pada masa datang akan an individual or collective impairment assessment,
terjadi. Evaluasi penurunan nilai individual atau kolektif following the impairment assessment of loans.
akan terus dilakukan untuk kredit tersebut, mengikuti
evaluasi penurunan nilai atas kredit.
Kerugian yang timbul dari restrukturisasi kredit yang Losses on loan restructuring in respect of modification
berkaitan dengan modifikasi persyaratan kredit hanya of the terms of the loans are recognised only if the cash
diakui bila nilai tunai penerimaan kas masa depan yang value of total future cash receipts specified in the new
telah ditentukan dalam persyaratan kredit yang baru, terms of the loans, including both receipts designated as
termasuk penerimaan yang diperuntukkan sebagai interest and those designated as loan principal, are less
bunga maupun pokok, adalah lebih kecil dari nilai kredit than the recorded amounts of loans before
yang diberikan yang tercatat sebelum restrukturisasi. restructuring.
n. Identifikasi dan Pengukuran Kerugian Penurunan n. Identification and Measurement of Impairment
Nilai Losses
Aset produktif terdiri dari giro pada bank lain, Earning assets consist of current accounts with other
penempatan pada Bank Indonesia dan bank lain, surat banks, placements with Bank Indonesia and other banks,
berharga, efek-efek yang dibeli dengan janji dijual marketable securities, marketable securities purchased
kembali (reverse repo), kredit yang diberikan, tagihan under agreements to resell (reverse repo), loans, other
lainnya dan komitmen dan kontinjensi. Komitmen dan receivable and commitments and contingencies.
kontinjensi pada transaksi rekening administratif, antara Commitments and contingencies are off-balance sheet
lain terdiri dari tetapi tidak terbatas pada penerbitan transactions which include but are not limited to issued
jaminan dan fasilitas kredit yang belum digunakan. guarantees and unused loan facilities.
Penurunan Nilai Aset Keuangan Impairment of Financial Assets
PSAK 109 mengharuskan cadangan kerugian diakui SFAS 109 requires a loss allowance to be recognised at
sebesar kerugian kredit ekspektasian 12 bulan an amount equal to either 12 month Expected Credit
(12-month ECL) atau kerugian kredit ekspektasian Losses (ECL) or lifetime ECL's.
sepanjang umur aset keuangan (lifetime ECL).
Lifetime ECL adalah kerugian kredit ekspektasian yang Lifetime ECL's are the ECL's that result from all
berasal dari semua kemungkinan kejadian gagal bayar possible default events over the expected life of a
sepanjang umur ekspektasian suatu instrumen financial instrument, whereas 12-month ECL's are the
keuangan, sedangkan ECL 12 bulan adalah porsi dari portion of ECL's that result from default events that are
kerugian kredit ekspektasian yang berasal dari possible within the 12 months after reporting date.
kemungkinan kejadian gagal bayar dalam 12 bulan
setelah tanggal pelaporan.
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Page 198
PT BANK OF INDIA INDONESIA TBK PT BANK OF INDIA INDONESIA TBK
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
UNTUK TAHUN YANG BERAKHIR FOR THE YEAR ENDED
PADA 31 DESEMBER 2024 DECEMBER 31, 2024
(Disajikan dalam Rupiah, kecuali dinyatakan lain) (Expressed in Rupiah, unless otherwise stated)
2. IKHTISAR KEBIJAKAN AKUNTANSI YANG 2. SUMMARY OF MATERIAL ACCOUNTING POLICIES
MATERIAL (lanjutan) (continued)
n. Identifikasi dan Pengukuran Kerugian Penurunan n. Identification and Measurement of Impairment Losses
Nilai (lanjutan) (continued)
Penurunan Nilai Aset Keuangan (lanjutan) Impairment of Financial Assets (continued)
Bank mengakui cadangan kerugian untuk ECL pada Bank recognises loss allowances for ECL on the
instrumen keuangan berikut yang tidak diukur pada following financial instruments that are not measured at
FVPL: FVPL:
- Aset keuangan yang merupakan instrumen utang; - Financial assets that are debt instruments;
- Kontrak jaminan keuangan yang diterbitkan; dan - Financial guarantee contracts issued; and
- Kredit yang diberikan - Loans.
Bank menggunakan model yang kompleks yang The Bank primarily uses sophisticated models that
menggunakan matriks probability of default (“PD”), utilise the probability of default (“PD”), loss given
loss given default (“LGD”) dan exposure at default default (“LGD”) and exposure at default (“EAD”)
(“EAD”), yang didiskontokan menggunakan suku metrics, discounted using the effective interest rate.
bunga efektif.
a) Probability of Default (“PD”) a) Probability of Default (“PD”)
Probabilitas yang timbul pada suatu waktu dimana The probability at a point in time that a
debitur mengalami gagal bayar, dikalibrasikan counterparty will default, calibrated over up to
sampai dengan periode 12 bulan dari tanggal 12 months from the reporting date (Stage 1) or over
laporan (Stage 1) atau sepanjang umur the lifetime of the product (Stage 2 and 3) and
(Stage 2 dan 3) dan digabungkan pada dampak incorporating the impact of forward-looking
asumsi ekonomi masa depan yang memiliki risiko economic assumptions that have an effect on credit
kredit. PD diestimasikan pada point in time dimana risk. PD is estimated at a point in time that means it
hal ini berfluktuasi sejalan dengan siklus ekonomi. will fluctuate in line with the economic cycle.
b) Loss Given Default (“LGD”) b) Loss Given Default (“LGD”)
Kerugian yang diperkirakan akan timbul dari The loss that is expected to arise on default,
debitur yang mengalami gagal bayar dengan incorporating the impact of relevant forward
menggabungkan dampak dari asumsi ekonomi looking economic assumptions (if any), which
masa depan yang relevan (jika ada) dimana hal ini represents the difference between the contractual
mewakili perbedaan antara arus kas kontraktual cash flows due and those that the Bank expects to
yang akan jatuh tempo dengan arus kas yang receive. The Bank estimates LGD based on the
diharapkan untuk diterima. Bank mengestimasikan historical recovery rates and considers the recovery
LGD berdasarkan data historis dari tingkat of any collateral that is integral to the financial
pemulihan dan memperhitungkan pemulihan yang assets, taking into account forward looking
berasal dari jaminan terhadap aset keuangan dengan economic assumptions if relevant.
mempertimbangkan asumsi ekonomi pada masa
depan jika relevan.
c) Exposure at Default (“EAD”) c) Exposure at Default (“EAD”)
Perkiraan nilai eksposur neraca pada saat gagal The expected balance sheet exposure at the time of
bayar dengan mempertimbangkan bahwa default, taking into account that expected change in
perubahan ekspektasi yang diharapkan selama masa exposure over the lifetime of the exposure. This
eksposur. Hal ini menggabungkan dampak incorporates the impact of drawdowns of committed
penarikan fasilitas yang dijanjikan, pembayaran facilities, repayments of principal and interest,
pokok dan bunga, amortisasi dan pembayaran amortisation and prepayments, together with the
dipercepat, bersama dengan dampak asumsi impact of forward looking economic assumptions
ekonomi masa depan jika relevan. where relevant.
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Page 199
PT BANK OF INDIA INDONESIA TBK PT BANK OF INDIA INDONESIA TBK
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
UNTUK TAHUN YANG BERAKHIR FOR THE YEAR ENDED
PADA 31 DESEMBER 2024 DECEMBER 31, 2024
(Disajikan dalam Rupiah, kecuali dinyatakan lain) (Expressed in Rupiah, unless otherwise stated)
2. IKHTISAR KEBIJAKAN AKUNTANSI YANG 2. SUMMARY OF MATERIAL ACCOUNTING POLICIES
MATERIAL (lanjutan) (continued)
n. Identifikasi dan Pengukuran Kerugian Penurunan n. Identification and Measurement of Impairment Losses
Nilai (lanjutan) (continued)
Penurunan Nilai Aset Keuangan (lanjutan) Impairment of Financial Assets (continued)
Kerugian kredit ekspektasian 12 bulan (Stage 1) 12-months expected credit losses (Stage 1)
Kerugian kredit ekspektasian diakui pada saat Expected credit losses are recognised at the time of
pengakuan awal instrumen keuangan dan initial recognition of a financial instrument and
merepresentasikan kekurangan kas sepanjang umur aset represent the lifetime cash shortfalls arising from
yang timbul dari kemungkinan gagal bayar di masa yang possible default events up to twelve months into the
akan datang dalam kurun waktu dua belas bulan sejak future from the reporting date. Expected credit losses
tanggal pelaporan. Kerugian kredit ekspektasian terus continue to be determined on this basis until there is
ditentukan oleh dasar ini sampai timbul peningkatan either a significant increase in the credit risk of an
risiko kredit yang signifikan pada instrumen tersebut instrument or the instrument becomes credit-impaired.
atau instrumen tersebut telah mengalami penurunan If an instrument is no longer considered to exhibit a
nilai kredit. Jika suatu instrumen tidak lagi dianggap significant increase in credit risk, expected credit losses
menunjukkan peningkatan risiko kredit yang signifikan, will revert to being determined on a twelve month basis.
maka kerugian kredit ekspektasian dihitung kembali
berdasarkan basis dua belas bulan.
Peningkatan Risiko Kredit yang Signifikan (Stage 2) Significant Increase in Credit Risk (Stage 2)
Jika aset keuangan mengalami peningkatan risiko kredit If a financial asset experiences a significant increase in
yang signifikan (“SICR”) sejak pengakuan awal, credit risk (“SICR”) since initial recognition, an
kerugian kredit ekspektasian diakui atas kejadian gagal expected credit loss provision is recognised for default
bayar yang mungkin terjadi sepanjang umur aset. events that may occur over the lifetime of the asset.
Peningkatan signifikan dalam risiko kredit dinilai Significant increase in credit risk is assessed by
dengan membandingkan risiko gagal bayar atas comparing the risk of default of an exposure at the
eksposur pada tanggal pelaporan dengan risiko gagal reporting date to the risk of default at origination (after
bayar saat pengakuan awal (setelah memperhitungkan taking into account the passage of time). Significant
perjalanan waktu dari akun tersebut). Signifikan tidak does not mean statistically significant nor is it assessed
berarti signifikan secara statistik, juga tidak dinilai in the context of changes in expected credit loss.
dalam konteks perubahan dalam cadangan kerugian Whether a change in the risk of default is significant or
kredit ekspektasian. Perubahan atas risiko gagal bayar not is assessed using a number of quantitative and
dinilai signifikan atau tidak, dinilai menggunakan qualitative factors, the weight of which depends on the
sejumlah faktor kuantitatif dan kualitatif, yang bobotnya type of product and counterparty. Financial assets that
bergantung pada tipe produk dan pihak lawan. Aset are 30 or more days past due and not credit impaired
keuangan dengan tunggakan 30 hari atau lebih dan tidak will always be considered to have experienced a
mengalami penurunan nilai akan selalu dianggap telah significant increase in credit risk.
mengalami peningkatan risiko kredit yang signifikan.
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PT BANK OF INDIA INDONESIA TBK PT BANK OF INDIA INDONESIA TBK
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
UNTUK TAHUN YANG BERAKHIR FOR THE YEAR ENDED
PADA 31 DESEMBER 2024 DECEMBER 31, 2024
(Disajikan dalam Rupiah, kecuali dinyatakan lain) (Expressed in Rupiah, unless otherwise stated)
2. IKHTISAR KEBIJAKAN AKUNTANSI YANG 2. SUMMARY OF MATERIAL ACCOUNTING POLICIES
MATERIAL (lanjutan) (continued)
n. Identifikasi dan Pengukuran Kerugian Penurunan n. Identification and Measurement of Impairment Losses
Nilai (lanjutan) (continued)
Penurunan Nilai Aset Keuangan (lanjutan) Impairment of Financial Assets (continued)
Eksposur yang Mengalami Penurunan Nilai Kredit Credit-Impaired (or Defaulted) Exposures (Stage 3)
Atau Gagal Bayar (Stage 3)
Aset keuangan yang mengalami penurunan nilai kredit Financial assets that are credit-impaired (or in default)
(atau gagal bayar) merupakan aset yang setidaknya telah represent those that are at least 90 days past due in
memiliki tunggakan lebih dari 90 hari atas pokok respect of principal and/or interest. Financial assets are
dan/atau bunga. Aset keuangan juga dianggap also considered to be credit-impaired where the debtors
mengalami penurunan nilai kredit dimana debitur are unlikely to pay on the occurrence of one or more
kemungkinan besar tidak akan membayar dengan observable events that have a detrimental impact on the
terjadinya satu atau lebih kejadian yang teramati yang estimated future cash flows of the financial asset. Loss
memiliki dampak menurunkan jumlah estimasi arus kas provisions against credit-impaired financial assets are
masa depan dari aset keuangan tersebut. Cadangan determined based on an assessment of the recoverable
kerugian penurunan nilai terhadap aset keuangan yang cash flows under a range of scenarios, including the
mengalami penurunan nilai ditentukan berdasarkan realisation of any collateral held where appropriate.
penilaian terhadap arus kas yang dapat dipulihkan The ECL will reflect weighted average of the scenarios
berdasarkan sejumlah skenario, termasuk realisasi based on the probability of the relevant scenario to
jaminan yang dimiliki jika memungkinkan. ECL akan occur. The loss provisions held represent the difference
mencerminkan rata-rata tertimbang dari skenario between the present value of the cash flows expected to
berdasarkan probabilitas dari skenario yang relevan be recovered, discounted at the instrument’s original
untuk terjadi. Cadangan kerugian penurunan nilai effective interest rate and the gross carrying value of the
merupakan selisih antara nilai sekarang dari arus kas instrument prior to any credit impairment.
yang diperkirakan akan dipulihkan, didiskontokan pada
suku bunga efektif awal dan nilai tercatat bruto
instrumen sebelum penurunan nilai kredit.
Periode yang diperhitungkan ketika mengukur kerugian The period considered when measuring expected credit
kredit ekspektasian adalah periode yang lebih pendek loss is the shorter of the expected and the contractual
antara umur ekspektasian dan periode kontrak aset term of the financial asset. The expected life may be
keuangan. Umur ekspektasian dapat dipengaruhi oleh impacted by prepayments and the maximum contractual
pembayaran dimuka dan periode kontrak maksimum term by extension options. For certain revolving
melalui opsi perpanjangan kontrak. Untuk portofolio portfolios, including credit cards, the expected life is
revolving tertentu, termasuk kartu kredit, umur assessed over the period that the Bank is exposed to
ekspektasian dinilai sepanjang periode dimana Bank credit risk (which is based on the length of time it takes
terekspos dengan risiko kredit (berdasarkan durasi for credit facilities to be withdrawn) rather than the
waktu yang dibutuhkan untuk fasilitas kredit ditarik), contractual term.
bukan sepanjang periode kontrak.
Untuk aset keuangan yang bisnis modelnya merupakan For financial assets under business model hold to
untuk mendapatkan arus kas kontraktual, seperti kredit collect, such as loans, carried at amortised cost, the
yang diberikan, aset keuangan tersebut dicatat pada Bank first determines whether there is objective
biaya perolehan diamortisasi, Bank pertama kali evidence of impairment individually on financial assets
menentukan apakah terdapat bukti objektif penurunan that are individually significant or collectively, for
nilai secara individual atas aset keuangan yang non-individually significant financial assets.
signifikan secara individual atau secara kolektif, untuk
aset keuangan yang tidak signifikan secara individual.
Penilaian secara individual dilakukan atas aset keuangan Individual valuations are made on significant financial
yang signifikan yang memiliki bukti objektif penurunan assets that have objective evidence of impairment.
nilai. Aset keuangan yang tidak signifikan dimasukkan Insignificant financial assets are included in a group of
dalam kelompok aset keuangan yang memiliki financial assets that have similar credit risk
karakteristik risiko kredit yang sejenis dan dilakukan characteristics and are assessed collectively.
penilaian secara kolektif.
- 30 -
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PT BANK OF INDIA INDONESIA TBK PT BANK OF INDIA INDONESIA TBK
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
UNTUK TAHUN YANG BERAKHIR FOR THE YEAR ENDED
PADA 31 DESEMBER 2024 DECEMBER 31, 2024
(Disajikan dalam Rupiah, kecuali dinyatakan lain) (Expressed in Rupiah, unless otherwise stated)
2. IKHTISAR KEBIJAKAN AKUNTANSI YANG 2. SUMMARY OF MATERIAL ACCOUNTING POLICIES
MATERIAL (lanjutan) (continued)
n. Identifikasi dan Pengukuran Kerugian Penurunan n. Identification and Measurement of Impairment Losses
Nilai (lanjutan) (continued)
Penurunan Nilai Aset Keuangan (lanjutan) Impairment of Financial Assets (continued)
Eksposur yang Mengalami Penurunan Nilai Kredit Credit-Impaired (or Defaulted) Exposures (Stage 3)
Atau Gagal Bayar (Stage 3) (lanjutan) (continued)
Bank menganggap sekuritas investasi pemerintah dalam The Bank considers a Rupiah denominated government
mata uang Rupiah dan dana yang ditempatkan pada investment securities and funds placed with Bank
Bank Indonesia memiliki risiko kredit yang rendah, Indonesia as having low credit risk since the principal
karena pokok dan bunga investasi pemerintah tersebut and interest of government bond are guaranteed by the
dijamin oleh pemerintah dan tidak ada kerugian yang government and there is no historical loss experience.
pernah terjadi. Bank tidak menerapkan pengecualian The Bank does not apply the low credit risk exemption
risiko kredit yang rendah untuk instrumen keuangan to any other financial instruments.
lainnya.
Cadangan kerugian untuk ECL disajikan dalam laporan Loss allowances for ECL are presented in the statement
posisi keuangan sebagai berikut ini: of financial position as follows:
- Aset keuangan diukur pada biaya perolehan - Financial assets measured at amortised cost: as a
diamortisasi: sebagai pengurang dari nilai tercatat deduction from the gross carrying amount of the
bruto aset; assets;
- Komitmen pinjaman dan kontrak jaminan - Loan commitments and financial guarantee
keuangan: umumnya, sebagai provisi yang dicatat contracts: generally, as a provision which is
pada liabilitas lainnya. presented in other liabilities.
Hapus Buku Aset Keuangan Write-Off of Financial Assets
Aset keuangan dan penyisihan yang terkait tersebut The associated financial assets and allowance are
dihapuskan jika tidak ada peluang yang realistis untuk written-off in the absence of realistic opportunities for
pengembalian pada masa datang dan semua jaminan future returns and any guarantees have been realised or
telah direalisasi atau sudah diambil alih oleh Bank. undertaken by the Bank. The financial assets are
Aset keuangan tersebut dihapus buku dengan menjurnal written-off by reversing the allowance for impairment
balik penyisihan kerugian penurunan nilai. Aset losses. The financial assets may be written-off after all
keuangan tersebut dapat dihapus buku setelah semua necessary procedures have been performed and the
prosedur yang diperlukan telah dilakukan dan jumlah amount of the loss has been determined.
kerugian telah ditentukan.
Penerimaan kembali atas aset keuangan yang telah Subsequent recoveries from financial assets which were
dihapusbukukan pada periode berjalan dikreditkan written-off in the current period is credited to the
dengan menyesuaikan akun cadangan kerugian allowance for impairment losses account. While,
penurunan nilai. Sementara, penerimaan kembali atas subsequent recoveries from financial assets which were
aset keuangan yang telah dihapusbukukan yang telah written-off in the previous period are recorded as other
dihapusbukukan pada periode sebelumnya dicatat operating income in profit or loss.
sebagai pendapatan operasional lainnya pada laba rugi.
Penurunan Nilai Atas Aset Non-produktif Impairment of Non-Productive Assets
Penyesuaian atas penyisihan penghapusan aset Adjustments to the allowance for losses on
non-produktif dicatat dalam periode dimana non-productive assets are reported in the year that such
penyesuaian tersebut diketahui atau dapat ditaksir secara adjustments become known or can be reasonably
wajar. Termasuk di dalam penyesuaian ini adalah estimated. These adjustments include additional
penambahan penyisihan penghapusan aset non- allowance for losses as well as recoveries of previously
produktif maupun pemulihan aset non-produktif yang written-off non-productive assets.
telah dihapusbukukan sebelumnya.
Aset non-produktif dihapusbukukan dengan Non-productive assets are written-off against the
mengurangi penyisihan penghapusan yang respective allowance for losses when management
bersangkutan apabila menurut manajemen aset tersebut believes that the recoverability of those assets is
tidak mungkin dipulihkan lagi. unlikely.
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Page 202
PT BANK OF INDIA INDONESIA TBK PT BANK OF INDIA INDONESIA TBK
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
UNTUK TAHUN YANG BERAKHIR FOR THE YEAR ENDED
PADA 31 DESEMBER 2024 DECEMBER 31, 2024
(Disajikan dalam Rupiah, kecuali dinyatakan lain) (Expressed in Rupiah, unless otherwise stated)
2. IKHTISAR KEBIJAKAN AKUNTANSI YANG 2. SUMMARY OF MATERIAL ACCOUNTING POLICIES
MATERIAL (lanjutan) (continued)
o. Aset Tetap o. Fixed Assets
Bank menerapkan PSAK 216 (Amendemen 2015), The Bank implemented SFAS 216 (Amendment 2015),
"Aset Tetap". "Fixed Assets".
Biaya perolehan awal aset tetap meliputi harga The initial cost of fixed assets consists of its purchase
perolehan, termasuk bea impor dan pajak pembelian price, including non-refundable import duties and taxes
yang tidak boleh dikreditkan dan biaya-biaya yang dapat and any directly attributable costs in bringing the assets
diatribusikan secara langsung untuk membawa aset ke to its working condition and location for its intended
lokasi dan kondisi yang diinginkan sesuai dengan tujuan use.
penggunaan yang ditetapkan.
Sejak Desember 2015, Bank melakukan perubahan Since December 2015, the Bank changed its accounting
kebijakan akuntansi atas tanah dan bangunan dari model policies for land and buildings from cost model to
biaya menjadi model revaluasi. revaluation model.
Tanah dan bangunan disajikan sebesar nilai wajar, Land and buildings are stated at fair value, less
dikurangi akumulasi penyusutan untuk bangunan. accumulated depreciation for buildings. Valuation of
Penilaian terhadap tanah dan bangunan dilakukan oleh land and buildings are performed with sufficient
penilai independen eksternal yang telah memiliki regularity to ensure that the fair value of a revalued
sertifikasi. Penilaian atas aset tersebut dilakukan secara asset does not differ materially from its carrying
berkala untuk memastikan bahwa nilai wajar aset yang amount. Accumulated depreciation at the date of
direvaluasi tidak berbeda secara material dengan nilai revaluation is eliminated against the gross carrying
tercatatnya. Akumulasi penyusutan pada tanggal amount of the asset and the net amount is restated to the
revaluasi dieliminasi terhadap nilai tercatat bruto aset, revalued amount of the asset.
dan nilai netonya disajikan kembali sebesar nilai
revaluasian aset tetap.
Kenaikan nilai tercatat yang timbul dari revaluasi tanah Increase in the carrying amount arising from
dan bangunan dicatat sebagai “Cadangan Revaluasi revaluations of land and buildings is recorded in “Fixed
Aset Tetap”. Penurunan nilai tercatat yang timbul dari Asset Revaluation Reserves”. Decrease in carrying
revaluasi dicatat sebagai beban pada tahun berjalan. amount arising from revaluation is recorded as expense
Apabila aset tersebut memiliki saldo “Keuntungan in the current year. If the asset has a balance on its
Revaluasi Aset Tetap” yang disajikan sebagai “Gain of Revaluation of Fixed Assets”, which is
“Penghasilan Komprehensif Lain”, maka selisih presented under “Other Comprehensive Income”, then
penurunan nilai tercatat tersebut dibebankan terhadap the loss on impairment is deducted from the “Gain on
“Keuntungan Revaluasi Aset Tetap” dan sisanya diakui Revaluation of Fixed Asset” and the rest of the amount
sebagai beban tahun berjalan. is charged to current year’s expenses.
Surplus revaluasi tanah dan bangunan yang telah The revaluation surplus of land and buildings are
disajikan dalam ekuitas dipindahkan langsung ke saldo directly transferred to retained earnings when the asset
laba pada saat aset tersebut dihentikan pengakuannya. is derecognised.
Aset tetap, kecuali tanah dan bangunan, dinyatakan Fixed assets other than land and buildings are stated at
sebesar biaya perolehan dikurangi akumulasi cost less accumulated depreciation and impairment
penyusutan dan rugi penurunan nilai (jika ada). Biaya losses (if any). The initial cost of the fixed assets consists
perolehan awal aset tetap meliputi biaya konstruksi atau of its construction cost or purchase price and any
harga pembelian dan setiap biaya diatribusikan secara directly attributable costs of bringing the asset to its
langsung untuk membawa aset ke kondisi kerjanya dan working condition and location for its intended use.
lokasi untuk digunakan.
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Page 203
PT BANK OF INDIA INDONESIA TBK PT BANK OF INDIA INDONESIA TBK
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
UNTUK TAHUN YANG BERAKHIR FOR THE YEAR ENDED
PADA 31 DESEMBER 2024 DECEMBER 31, 2024
(Disajikan dalam Rupiah, kecuali dinyatakan lain) (Expressed in Rupiah, unless otherwise stated)
2. IKHTISAR KEBIJAKAN AKUNTANSI YANG 2. SUMMARY OF MATERIAL ACCOUNTING POLICIES
MATERIAL (lanjutan) (continued)
o. Aset Tetap (lanjutan) o. Fixed Assets (continued)
Pengakuan penyusutan dimulai ketika aset tersebut ada Recognition of depreciation commences when an asset
di lokasi dan kondisinya dan dapat dioperasikan is in its location and condition and capable of being
sebagaimana yang dimaksud oleh manajemen. operated in the manner intended by management.
Penyusutan dihitung dengan menggunakan metode Depreciation is computed using the double-declining
saldo menurun ganda (double-declining balance balance method, except for buildings, which
method), kecuali untuk bangunan yang dihitung dengan depreciation is computed using the straight-line method,
menggunakan metode garis lurus (straight-line method), based on the estimated useful lives of the fixed assets as
berdasarkan umur manfaat aset tetap yang diestimasi follows:
sebagai berikut:
Tarif Depresiasi/ Umur Manfaat/
Depreciation Rates Useful Life
Bangunan 5% 20 tahun/years Buildings
Perlengkapan dan peralatan kantor 25% - 12,5% 4-8 tahun/years Office furniture and equipment
Kendaraan bermotor 25% - 12,5% 4-8 tahun/years Vehicles
Pada saat inspeksi yang signifikan dilakukan, biaya When a significant repair of the asset is performed, the
inspeksi itu diakui ke dalam jumlah tercatat cost of repair is capitalized as part of the replacement
(carrying amount) aset tetap sebagai suatu penggantian cost of the asset’s carrying amount if the criteria for
jika memenuhi kriteria pengakuan. Semua biaya recognition are met. All maintenance and repair costs
pemeliharaan dan perbaikan yang tidak memenuhi which do not fulfill the capitalization criteria are
kriteria pengakuan diakui dalam laba rugi pada saat recognised in profit or loss upon occurrence. At each
terjadinya. Pada setiap akhir tahun buku, nilai residu, financial year end, the assets’ residual values, useful
umur manfaat, dan metode penyusutan ditelaah kembali lives and methods of depreciation are reviewed and
dan jika sesuai dengan keadaan, disesuaikan secara adjusted prospectively as appropriate.
prospektif.
Jumlah tercatat aset tetap dihentikan pengakuannya The carrying amounts of the fixed assets are
pada saat dilepaskan atau saat tidak ada manfaat derecognised upon disposal or when no future economic
ekonomis masa depan yang diharapkan dari penggunaan benefits are expected from its use or disposal. Any gain
atau pelepasannya. Laba atau rugi yang timbul dari or loss arising from derecognition of the asset
penghentian pengakuan aset (dihitung sebagai (calculated as the difference between the net disposal
perbedaan antara jumlah neto hasil pelepasan dan proceeds and the carrying amount of the asset) is
jumlah tercatat dari aset) dimasukkan dalam laporan included in the statement of profit or loss and other
laba rugi dan penghasilan komprehensif lain pada tahun comprehensive income at the year the asset is
aset tersebut dihentikan pengakuannya. derecognised.
Dalam Hal aset tetap disajikan pada jumlah revaluasian In the case of fixed assets presented at revalued amount,
hal berikut wajib diungkapkan: the following must be disclosed:
i. Tanggal efektif revaluasi (Tanggal Penilaian); i. Effective date of revaluation (Valuation Date);
ii. Tanggal efektif persetujuan dari Direktorat ii. Effective date of approval from the Directorate
Jenderal Pajak (DJP) apabila Aset Tetap untuk General of Taxes (DJP) if Fixed Assets for tax
perhitungan pajak menggunakan jumlah calculations use revalued amounts;
revaluasian; iii. Appraiser's name and date of last appraisal
iii. Nama Penilai dan tanggal laporan penilaian report;
terakhir; iv. Methods and significant assumptions used in
iv. Metode dan asumsi signifikan yang digunakan estimating the Fair Value of assets;
dalam mengestimasi Nilai Wajar aset; v. The carrying amount for each fixed asset if the
v. Jumlah tercatat untuk setiap aset tetap seandainya asset were recorded using the cost model, and
aset tersebut dicatat dengan model biaya, dan vi. Revaluation surplus or impairment loss, which
vi. Surplus revaluasi atau rugi penurunan nilai, yang shows changes in the distribution of surplus
menunjukan perubahan distribusi saldo surplus balances to shareholders.
kepada para pemegang saham.
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PT BANK OF INDIA INDONESIA TBK PT BANK OF INDIA INDONESIA TBK
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
UNTUK TAHUN YANG BERAKHIR FOR THE YEAR ENDED
PADA 31 DESEMBER 2024 DECEMBER 31, 2024
(Disajikan dalam Rupiah, kecuali dinyatakan lain) (Expressed in Rupiah, unless otherwise stated)
2. IKHTISAR KEBIJAKAN AKUNTANSI YANG 2. SUMMARY OF MATERIAL ACCOUNTING POLICIES
MATERIAL (lanjutan) (continued)
p. Aset Takberwujud p. Intangible Assets
Aset takberwujud diukur sebesar nilai perolehan pada Intangible asset is measured at cost at initial
pengakuan awal. Setelah pengakuan awal, aset recognition. After initial recognition, intangible asset is
takberwujud dicatat pada biaya perolehan dikurangi carried at cost less any accumulated amortisation and
akumulasi amortisasi dan akumulasi rugi penurunan any accumulated impairment loss. The useful life of
nilai. Umur manfaat aset takberwujud dinilai apakah intangible asset is assessed to be either definite or
terbatas atau tidak terbatas. indefinite.
Aset takberwujud dengan umur manfaat terbatas Intangible asset with definite useful life
Aset takberwujud dengan umur manfaat terbatas Intangible asset with definite life is amortised over the
diamortisasi selama umur manfaat ekonomi dengan economic useful life by using a straight-line method
metode garis lurus (atau metode lainnya sepanjang (or method as it reflects the pattern in which the asset’s
mencerminkan pola manfaat ekonomi masa depan yang future economic benefits are expected to be consumed
diperkirakan dikonsumsi oleh entitas). by the entity).
Periode amortisasi dan metode amortisasi untuk aset The amortisation period and the amortisation method
takberwujud dengan umur manfaat terbatas ditelaah for intangible assets with a definite useful life are
setidaknya setiap akhir tahun buku. reviewed at least at each financial year-end.
Amortisasi dihitung sebagai penghapusan biaya Amortisation is calculated so as to write-off the cost of
perolehan aset, dikurangi nilai residunya, atas umur the assets, less its estimated residual value, over its
ekonomisnya sebagai berikut: useful economic life as follows:
Tahun/ Years
Perangkat lunak 4 Software
q. Sewa q. Leases
Bank sebagai penyewa The Bank as lessee
Bank menilai apakah sebuah kontrak mengandung The Bank assesses whether a contract is or contains a
sewa, pada awal kontrak. Bank mengakui aset hak-guna lease, at the inception of the contract. The Bank
dan liabilitas sewa sehubungan dengan seluruh recognises a right-of-use asset and a corresponding
kesepakatan sewa di mana Bank merupakan penyewa, lease liability with respect to all lease arrangements in
kecuali untuk sewa jangka-pendek (yang didefinisikan which it is the lessee, except for short-term leases
sebagai sewa yang memiliki masa sewa 12 bulan atau (defined as leases with a lease term of 12 months or less)
kurang) dan sewa yang aset pendasarnya bernilai and leases of low value assets. For these leases, the
rendah. Untuk sewa-sewa tersebut, Bank mengakui Bank recognises the lease payments as an operating
pembayaran sewa sebagai beban operasi secara garis expense on a straight-line basis over the term of the
lurus selama masa sewa kecuali dasar sistematis lainnya lease unless another systematic basis is more
lebih merepresentasikan pola konsumsi manfaat representative of the time pattern in which economic
penyewa dari aset sewa. benefits from the leased assets are consumed.
Liabilitas sewa awalnya diukur sebesar nilai kini dari The lease liability is initially measured at the present
pembayaran sewa masa depan yang belum dibayarkan value of the lease payments that are not paid at the
pada tanggal dimulainya, yang didiskontokan commencement date, discounted using the rate implicit
menggunakan suku bunga implisit dalam sewa. Jika in the lease. If this rate cannot be readily determined,
suku bunga ini tidak dapat ditentukan, Bank the Bank uses its incremental borrowing rate.
menggunakan suku bunga pinjaman inkremental.
Pembayaran sewa yang termasuk dalam pengukuran Lease payments included in the measurement of the
liabilitas sewa meliputi pembayaran tetap, termasuk lease liability comprise fixed payments, including in-
pembayaran tetap secara substansi dikurangi dengan substance fixed payments less any lease incentive
piutang insentif sewa. receivable.
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PT BANK OF INDIA INDONESIA TBK PT BANK OF INDIA INDONESIA TBK
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
UNTUK TAHUN YANG BERAKHIR FOR THE YEAR ENDED
PADA 31 DESEMBER 2024 DECEMBER 31, 2024
(Disajikan dalam Rupiah, kecuali dinyatakan lain) (Expressed in Rupiah, unless otherwise stated)
2. IKHTISAR KEBIJAKAN AKUNTANSI YANG 2. SUMMARY OF MATERIAL ACCOUNTING POLICIES
MATERIAL (lanjutan) (continued)
q. Sewa (lanjutan) q. Leases (continued)
Liabilitas sewa selanjutnya diukur dengan The lease liability is subsequently measured by
meningkatkan jumlah tercatat untuk merefleksikan increasing the carrying amount to reflect the interest on
bunga atas liabilitas sewa (menggunakan metode suku the lease liability (using the effective interest method)
bunga efektif) dan dengan mengurangi jumlah tercatat and by reducing the carrying amount to reflect the lease
untuk merefleksikan sewa yang telah dibayar. payments made.
Aset hak-guna terdiri dari pengukuran awal atas The right-of-use assets comprise the initial
liabilitas sewa, pembayaran sewa yang dilakukan pada measurements of the corresponding lease liability, lease
saat atau sebelum permulaan sewa dan biaya langsung payments made at or before the commencement day and
awal. Aset hak-guna selanjutnya diukur sebesar biaya any initial direct costs. They are subsequently measured
perolehan dikurangi akumulasi penyusutan dan at cost less accumulated depreciation and impairment
kerugian penurunan nilai. losses.
Jika Bank memiliki kewajiban atas biaya pembongkaran Whenever the Bank incurs an obligation for costs to
dan pemindahan aset sewa, merestorasi tempat di mana dismantle and remove a leased asset, restore the site on
aset berada atau merestorasi aset pendasar ke kondisi which it is located or restore the underlying assets to the
yang disyaratkan oleh syarat dan ketentuan sewa, conditions required by the terms and conditions of the
provisi diakui dan diukur sesuai PSAK 237. Biaya lease, a provision is recognised and measured under
tersebut diperhitungkan dalam aset hak-guna terkait, SFAS 237. The costs are included in the related right-
kecuali jika biaya tersebut terjadi untuk memproduksi of-use asset, unless those costs are incurred to produce
persediaan. inventories.
Aset hak-guna disusutkan selama periode yang lebih Right-of-use assets are depreciated over the shorter
singkat antara masa sewa dan masa manfaat aset period of lease term and useful life of the underlying
pendasar. Jika pesewa mengalihkan kepemilikan aset assets. If a lease transfers ownership of the underlying
pendasar atau jika biaya perolehan aset hak-guna assets or the cost of the right-of-use assets reflects that
merefleksikan Bank akan mengeksekusi opsi beli, aset of the Bank expects to exercise a purchase option, the
hak-guna disusutkan selama masa manfaat aset related right-of-use asset is depreciated over the useful
pendasar. Penyusutan dmulai pada tanggal dimulainya life of the underlying assets. The depreciation starts at
sewa. the commencement date of the lease.
Aset hak-guna Bank disajikan sebagai bagian dari “aset The Bank’s right-of-use assets are presented as “fixed
tetap”, dan liabilitas sewa secara terpisah di dalam assets” and lease liabilities are presented separately in
laporan posisi keuangan. the statement of financial position.
r. Agunan yang Diambil Alih r. Foreclosed Assets
Agunan yang diambil alih (AYDA) sehubungan dengan Foreclosed assets (AYDA) with respect to settlement of
penyelesaian kredit diakui sebesar nilai neto yang dapat loans are recognised at net realizable value or the
direalisasi atau sebesar nilai tercatat dari kredit, mana carrying amount of the loan, whichever is lower. Net
yang lebih rendah. Nilai neto yang dapat direalisasi realizable value is the fair value of the collateral after
adalah nilai wajar agunan setelah dikurangi dengan deducting the estimated costs of disposal. Excess loan
estimasi biaya pelepasan. Kelebihan saldo kredit yang given, which has not been repaid by the borrower on the
diberikan, yang belum dilunasi oleh peminjam diatas value of foreclosed assets, is charged as an allowance
nilai dari agunan yang diambil alih, dibebankan sebagai for uncollectible loans in the current year. The
penyisihan penghapusan kredit yang diberikan pada differences between the value of the collateral and the
tahun berjalan. Selisih antara nilai agunan yang diambil proceeds from sale are recognised as a gain or loss
alih dengan hasil penjualannya diakui sebagai upon sale of the collateral.
keuntungan atau kerugian pada saat penjualan agunan.
Manajemen mengevaluasi nilai agunan yang diambil Management evaluates the value of foreclosed asset on
alih secara berkala. Penyisihan kerugian agunan yang a regular basis. Allowance for losses on foreclosed
diambil alih dibentuk berdasarkan penurunan nilai assets is provided based on decrease in the value of
agunan yang di ambil alih dan kerugiannya dibebankan foreclosed assets and any such write-down is recognised
dalam laporan laba rugi. in profit or loss.
Beban perbaikan yang timbul setelah pengambilalihan Reconditioning costs that arise after the takeover of
agunan dikapitalisasi dalam akun agunan yang diambil collateral is capitalized in the accounts of the foreclosed
alih tersebut. assets.
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PT BANK OF INDIA INDONESIA TBK PT BANK OF INDIA INDONESIA TBK
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
UNTUK TAHUN YANG BERAKHIR FOR THE YEAR ENDED
PADA 31 DESEMBER 2024 DECEMBER 31, 2024
(Disajikan dalam Rupiah, kecuali dinyatakan lain) (Expressed in Rupiah, unless otherwise stated)
2. IKHTISAR KEBIJAKAN AKUNTANSI YANG 2. SUMMARY OF MATERIAL ACCOUNTING POLICIES
MATERIAL (lanjutan) (continued)
s. Aset Lain-lain s. Other Assets
Aset lain-lain terdiri dari pendapatan bunga yang masih Other assets consist of accrued interest receivables,
harus diterima, biaya dibayar dimuka, beban yang prepaid expense, deferred expense and others.
ditangguhkan dan lain-lain.
t. Liabilitas Segera t. Obligations Due Immediately
Liabilitas segera merupakan liabilitas kepada pihak lain Obligations due immediately represent liabilities to
yang sifatnya wajib segera dibayarkan sesuai perjanjian other parties that are to be paid immediately in
yang ditetapkan sebelumnya. accordance with the terms of the relevant agreements.
u. Simpanan dari Nasabah u. Deposits from Customers
Simpanan dari nasabah adalah dana yang ditempatkan Deposits from customers are the funds placed by the
oleh masyarakat (tidak termasuk Bank) berdasarkan public (excluding banks) based on fund deposit
perjanjian penyimpanan dana. Termasuk dalam pos ini agreements. Included in this account are current
adalah giro, tabungan, deposito berjangka dan bentuk accounts, saving deposits, time deposits and other
simpanan lain yang dipersamakan dengan itu. deposits.
Giro merupakan simpanan nasabah yang penarikannya Current accounts are customer deposits which may be
dapat dilakukan setiap saat dengan menggunakan cek withdrawn at any time by cheque or by transfers using
atau dengan cara pemindahbukuan dengan bilyet giro bank draft or other means of payment order.
atau sarana perintah pembayaran lainnya.
Tabungan merupakan simpanan nasabah yang Saving deposits are customer deposits which can be
penarikannya hanya dapat dilakukan sesuai dengan withdrawn only by customers in accordance with certain
persyaratan tertentu yang disepakati. conditions.
Deposito berjangka merupakan simpanan nasabah yang Time deposits represent customer deposits which can be
penarikannya hanya dapat dilakukan pada waktu withdrawn only at certain time in accordance with the
tertentu sesuai dengan perjanjian antara pemegang agreement between the deposit holders and the Bank.
deposito berjangka dan Bank.
Simpanan dari nasabah pada awalnya diukur pada nilai Deposits from customers are initially measured at fair
wajar ditambah biaya transaksi yang dapat diatribusikan value plus directly attributable transaction costs and
secara langsung dan setelah pengakuan awal diukur after initial recognition are measured at amortised cost
pada biaya perolehan diamortisasi dengan using the effective interest method.
menggunakan metode suku bunga efektif.
v. Simpanan dari Bank Lain v. Deposits from Other Banks
Simpanan dari bank lain terdiri dari liabilitas terhadap Deposits from other banks represent liabilities to other
bank lain, baik lokal maupun luar negeri, dalam bentuk banks, whether local or overseas, in the form of savings
tabungan, giro, deposito dan interbank call money deposits, current accounts, time deposits and interbank
dengan periode jatuh tempo menurut perjanjian kurang call money with original maturities of less than 90 days
dari 90 hari atau lebih. Simpanan dari bank lain dicatat or more. Deposits from other banks are recorded as a
sebagai liabilitas terhadap bank lain. liability to other banks.
Simpanan dari bank lain pada awalnya diukur pada nilai Deposits from other banks are initially measured at fair
wajar ditambah biaya transaksi yang dapat diatribusikan value plus directly attributable transaction costs and
secara langsung dan setelah pengakuan awal diukur are subsequently measured at amortised cost using the
pada biaya perolehan diamortisasi dengan effective interest method. Incremental costs directly
menggunakan metode suku bunga efektif. Biaya attributable to the acquisition of the deposits from other
tambahan yang dapat diatribusikan secara langsung banks are deducted from the amount of deposits.
dengan perolehan simpanan dari bank lain dikurangkan
dari jumlah simpanan yang diterima.
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Page 207
PT BANK OF INDIA INDONESIA TBK PT BANK OF INDIA INDONESIA TBK
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
UNTUK TAHUN YANG BERAKHIR FOR THE YEAR ENDED
PADA 31 DESEMBER 2024 DECEMBER 31, 2024
(Disajikan dalam Rupiah, kecuali dinyatakan lain) (Expressed in Rupiah, unless otherwise stated)
2. IKHTISAR KEBIJAKAN AKUNTANSI YANG 2. SUMMARY OF MATERIAL ACCOUNTING POLICIES
MATERIAL (lanjutan) (continued)
w. Biaya Emisi Saham w. Stock Issuance Costs
Biaya-biaya yang terjadi sehubungan dengan penawaran Costs incurred in connection with the offering of shares
saham kepada masyarakat (termasuk penerbitan hak to the public (including the issuance of preemptive
memesan efek terlebih dahulu) dikurangkan langsung rights) are deducted directly from the proceeds and are
dari hasil emisi dan disajikan sebagai pengurang pada presented as a deduction in the “Additional Paid-in
akun “Tambahan Modal Disetor” sebagai bagian dari Capital” account as part of equity in the statements of
ekuitas pada laporan posisi keuangan. financial position.
x. Pengakuan Pendapatan dan Beban Bunga x. Interest Income and Expense Recognition
Pendapatan dan beban bunga untuk semua instrumen Interest income and expense for all interest bearing
keuangan yang dikenakan suku bunga diakui sebagai financial instruments are recognised as “interest
“pendapatan bunga” dan “beban bunga” di dalam laba income” and “interest expense” in profit or loss using
rugi menggunakan metode suku bunga efektif. the effective interest method.
Metode suku bunga efektif adalah metode yang The effective interest method is a method of calculating
digunakan untuk menghitung biaya perolehan the amortised cost of a financial asset or a financial
diamortisasi dari aset keuangan atau liabilitas keuangan liability and of allocating the interest income or interest
dan metode untuk mengalokasikan pendapatan bunga expense over the relevant period. The effective interest
atau beban bunga selama periode yang relevan. Suku rate is the rate that exactly discounts estimated future
bunga efektif adalah suku bunga yang secara tepat cash payment or receipts through the expected life of the
mendiskontokan estimasi pembayaran atau penerimaan financial instrument or, when appropriate, a shorter
kas pada masa mendatang selama perkiraan umur dari period to the net carrying amount of the financial asset
instrumen keuangan, atau jika lebih tepat, digunakan or financial liability.
periode yang lebih singkat untuk memperoleh nilai
tercatat neto dari aset keuangan atau liabilitas keuangan.
Pada saat menghitung suku bunga efektif, Bank When calculating the effective interest rate, the Bank
mengestimasi arus kas dengan mempertimbangkan estimates cash flows considering all contractual terms
seluruh persyaratan kontraktual dalam instrumen of the financial instrument, but does not consider future
keuangan tersebut, namun tidak mempertimbangkan credit losses. The calculation includes significant fees,
kerugian kredit pada masa mendatang. Perhitungan ini commissions and other fees paid or received between
mencakup komisi, provisi yang material, dan bentuk parties to the contract that are integral part of the
lain yang dibayarkan atau diterima oleh para pihak effective interest rate, transaction costs and all other
dalam kontrak yang merupakan bagian tak terpisahkan premiums or discounts.
dari suku bunga efektif, biaya transaksi dan seluruh
premi atau diskon lainnya.
Pendapatan bunga atas kredit yang diberikan atau aset Interest income on loans or other earning assets that are
produktif lainnya yang diklasifikasikan sebagai classified as non-performing is recognised only to the
bermasalah diakui pada saat pendapatan tersebut extent that interest is received in cash. When a financial
diterima. Pada saat aset keuangan diklasifikasikan asset is classified as non-performing, any interest
sebagai bermasalah, bunga yang telah diakui tetapi income previously recognised but not yet collected is
belum ditagih akan dibatalkan pengakuannya. reversed against interest income. The reversed interest
Selanjutnya bunga yang dibatalkan tersebut diakui income is recognised as a contingent receivable.
sebagai tagihan kontinjensi.
y. Pendapatan dan Beban Provisi dan Komisi y. Fees and Commission Income and Expense
Pendapatan dan beban provisi dan komisi merupakan Fees and commission income and expenses that are
bagian tak terpisahkan dari suku bunga efektif atas aset integral to the effective interest of a financial asset or
keuangan atau liabilitas keuangan dimasukkan dalam financial liability are included in the calculation of
suku bunga efektif. effective interest rate.
Pendapatan provisi dan komisi yang jumlahnya Significant fees and commission income that are directly
signifikan yang berkaitan dengan kegiatan pemberian related to lending activities are recognised as a
kredit diakui sebagai bagian/(pengurang) dari biaya part/(deduction) of lending cost and will be recognised
perolehan kredit dan akan diakui sebagai pendapatan as interest income by amortising the carrying value of
bunga dengan cara diamortisasi berdasarkan suku bunga the loan based on the effective interest rate and included
efektif dan diklasifikasikan sebagai bagian dari as a part of interest income in profit or loss.
pendapatan bunga pada laba rugi.
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Page 208
PT BANK OF INDIA INDONESIA TBK PT BANK OF INDIA INDONESIA TBK
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
UNTUK TAHUN YANG BERAKHIR FOR THE YEAR ENDED
PADA 31 DESEMBER 2024 DECEMBER 31, 2024
(Disajikan dalam Rupiah, kecuali dinyatakan lain) (Expressed in Rupiah, unless otherwise stated)
2. IKHTISAR KEBIJAKAN AKUNTANSI YANG 2. SUMMARY OF MATERIAL ACCOUNTING POLICIES
MATERIAL (lanjutan) (continued)
y. Pendapatan dan Beban Provisi dan Komisi y. Fees and Commission Income and Expense
(lanjutan) (continued)
Pendapatan provisi dan komisi yang tidak berkaitan Fees and commission income which are not related to
dengan kegiatan pemberian kredit atau suatu jangka lending activities or at a specific period are recognised
waktu diakui dan/atau terkait dengan pemberian suatu as income at transaction date as other operating
jasa, sebagai pendapatan pada saat terjadinya transaksi income.
dan dicatat pada akun pendapatan operasional lainnya.
Beban provisi dan komisi lainnya sehubungan dengan Other fees and commission expenses relating to
transaksi antar bank diakui sebagai beban pada saat jasa inter-bank transactions are recognised as an expense
tersebut diterima. when the services are received.
Apabila pinjaman diselesaikan sebelum jatuh tempo, If the loan is settled before maturity, the unamortised
maka saldo pendapatan provisi dan komisi yang belum fees and commissions income is recognised when the
diamortisasi diakui pada saat pinjaman diselesaikan. loan is settled.
z. Pendapatan (Beban) Operasional Lainnya z. Other Operating Income (Expenses)
i. Penghasilan Jasa Perbankan Lainnya i. Other Banking Services Income
Pendapatan jasa perbankan lainnya terdiri dari Other banking services income includes transfer
komisi transfer, komisi inkaso, biaya administrasi fees, collection fees, and commissions from saving
tabungan, giro dan jasa pengelolaan keuangan. deposits, demand deposits and financial
management services.
ii. Beban Tenaga Kerja ii. Personnel Expenses
Beban tenaga kerja meliputi beban berupa gaji Personnel expenses represent expenses which relate
karyawan, bonus, lembur, tunjangan dan pelatihan. to salaries of employees, bonuses, overtime,
allowances and training.
iii. Beban Umum dan Administrasi iii. General and Administration Expenses
Beban umum dan administrasi merupakan beban General and administration expenses represent
yang timbul sehubungan dengan aktivitas kantor dan expenses which relate to office activities and the
operasional Bank. Bank’s operational activities.
aa. Penjabaran Mata Uang Asing aa. Foreign Currency Translation
Transaksi dalam mata uang asing dijabarkan ke mata • Transactions denominated in foreign currency are
uang Rupiah dengan menggunakan kurs pada tanggal converted into Rupiah using the spot rate at those
transaksi tersebut. Pada tanggal laporan posisi transaction dates. At the financial position report dates,
keuangan, aset dan liabilitas moneter dalam mata uang monetary assets and liabilities in foreign currencies are
asing dijabarkan ke dalam mata uang Rupiah dengan translated using the Reuters spot rate at 16.00 Western
menggunakan kurs spot Reuters pada pukul 16.00 Indonesia Time (WIB) prevailing at that date.
Waktu Indonesia Barat (WIB) yang berlaku pada
tanggal tersebut.
Keuntungan dan kerugian selisih kurs yang timbul dari • Exchange gains and losses arising from transactions in
transaksi dalam mata uang asing dan dari penjabaran foreign currency and on the translation of foreign
aset dan liabilitas moneter dalam mata uang asing diakui currency monetary assets and liabilities are recognised
pada laporan laba rugi dan penghasilan komprehensif in the statement of profit or loss and other
lain. comprehensive income.
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Page 209
PT BANK OF INDIA INDONESIA TBK PT BANK OF INDIA INDONESIA TBK
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
UNTUK TAHUN YANG BERAKHIR FOR THE YEAR ENDED
PADA 31 DESEMBER 2024 DECEMBER 31, 2024
(Disajikan dalam Rupiah, kecuali dinyatakan lain) (Expressed in Rupiah, unless otherwise stated)
2. IKHTISAR KEBIJAKAN AKUNTANSI YANG 2. SUMMARY OF SIGNIFICANT ACCOUNTING
MATERIAL (lanjutan) POLICIES (continued)
aa. Penjabaran Mata Uang Asing (lanjutan) aa. Foreign Currency Translation (continued)
Pada tanggal 31 Desember 2024 dan 2023, kurs yang • As of December 31, 2024 and 2023, the exchange rates
digunakan adalah sebagai berikut: used are as follows:
31 Desember/ 31 Desember/
December 31, December 31,
2024 2023
1 Pound Sterling Inggris 20.218,54 19.626,56 1 Great Britain Pound Sterling
1 Euro Eropa 16.758,12 17.038,32 1 Euro European
1 Dollar Amerika Serikat 16.095,00 15.397,00 1 United States Dollar
1 Dollar Singapura 11.844,58 11.676,34 1 Singapore Dollar
1 Dollar Hongkong 2.073,11 1.970,73 1 Hongkong Dollar
1 Rupee India 187,98 185,18 1 India Rupee
1 Yen Jepang 103,03 108,88 1 Japanese Yen
ab. Perpajakan ab. Taxation
Bank menerapkan PSAK 212 (Amendemen 2016) yang The Bank applied SFAS 212 (Amendment 2016) which
mengharuskan Bank untuk memperhitungkan requires the Bank to account for the current and future
konsekuensi pajak kini dan pajak masa depan atas tax consequences of the future recovery (settlement) of
pemulihan pada masa depan (penyelesaian) dari jumlah the carrying amount of assets (liabilities) that are
tercatat aset (liabilitas) yang diakui dalam laporan posisi recognised in the statements of financial position and
keuangan, dan transaksi-transaksi serta peristiwa lain transactions and other events of the current period that
yang terjadi dalam periode berjalan yang diakui dalam are recognised in the financial statements.
laporan keuangan.
Beban pajak terdiri dari pajak tangguhan dan pajak kini. The tax expense comprises of deferred and current tax.
Pajak diakui dalam laporan laba rugi, kecuali jika pajak Taxes are recognised in the profit or loss, except to the
tersebut terkait dengan transaksi atau kejadian yang extent that it relates to items recognised on other
diakui di penghasilan komprehensif lain atau langsung comprehensive income or directly in equity. In this case,
diakui ke ekuitas. Dalam hal ini, pajak tersebut the tax is also recognised in other comprehensive
masing-masing diakui dalam penghasilan komprehensif income or directly in equity, respectively.
lain atau ekuitas.
Pajak Tangguhan Deferred Tax
Pajak tangguhan dihitung dengan menggunakan tarif Deferred tax is calculated using the prevailing or
pajak yang berlaku atau secara substansial telah berlaku substantially prevailing tax rate at the statements of
pada tanggal laporan posisi keuangan. Perubahan nilai financial position date. The changes in the carrying
tercatat aset dan liabilitas pajak tangguhan yang amount of deferred tax assets and liabilities caused by
disebabkan oleh perubahan tarif pajak dibebankan pada the change in tax rates shall be charged to current year,
tahun berjalan, kecuali untuk transaksi-transaksi yang except for the prior transactions, which are directly
sebelumnya telah langsung dibebankan atau dikreditkan charged or credited to equity.
ke ekuitas.
Semua perbedaan temporer antara jumlah tercatat aset Deferred income tax is provided, using the liability
dan liabilitas untuk pelaporan keuangan dengan dasar method, for temporary differences arising between the
pengenaan pajaknya diakui sebagai pendapatan pajak tax bases of assets and liabilities and their carrying
tangguhan dengan metode liabilitas (liability method). values for financial reporting purposes. The effective tax
Tarif pajak yang berlaku saat ini dipakai untuk rate is used to determine deferred tax.
menentukan pajak tangguhan.
Aset pajak tangguhan diakui apabila besar kemungkinan A deferred tax asset is recognised to the extent that it is
bahwa jumlah laba fiskal pada masa mendatang akan probable that future taxable profits will be available
memadai untuk dapat dikompensasi dengan aset pajak against which the deferred tax asset can be utilised.
tangguhan yang diakui tersebut.
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Page 210
PT BANK OF INDIA INDONESIA TBK PT BANK OF INDIA INDONESIA TBK
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
UNTUK TAHUN YANG BERAKHIR FOR THE YEAR ENDED
PADA 31 DESEMBER 2024 DECEMBER 31, 2024
(Disajikan dalam Rupiah, kecuali dinyatakan lain) (Expressed in Rupiah, unless otherwise stated)
2. IKHTISAR KEBIJAKAN AKUNTANSI YANG 2. SUMMARY OF MATERIAL ACCOUNTING POLICIES
MATERIAL (lanjutan) (continued)
ab. Perpajakan (lanjutan) ab. Taxation (continued)
Pajak Tangguhan (lanjutan) Deferred Tax (continued)
Aset dan liabilitas pajak penghasilan tangguhan dapat Deferred tax assets and liabilities are offset when there
saling hapus apabila terdapat hak yang berkekuatan is a legally enforceable right to offset current tax assets
hukum untuk melakukan saling hapus antara aset pajak against current tax liabilities and when the deferred
kini dengan liabilitas pajak kini dan apabila aset dan income taxes assets and liabilities relate to income taxes
liabilitas pajak penghasilan tangguhan dikenakan oleh levied by the same taxation authority on either the same
otoritas perpajakan yang sama, baik atas entitas kena taxable entity or different taxable entities where there is
pajak yang sama ataupun berbeda dan adanya niat untuk an intention to settle the balances on a net basis.
melakukan penyelesaian saldo-saldo tersebut secara
neto.
ac. Liabilitas Imbalan Pascakerja ac. Post-Employment Benefits Liabilities
Pesangon pemutusan kontrak kerja terhutang ketika Employment termination benefits are payable whenever
karyawan dihentikan kontrak kerjanya sebelum usia an employee's employment is terminated before the
pensiun normal. Bank mengakui pesangon pemutusan normal retirement date. The Bank recognises
kontrak kerja ketika Bank menunjukkan komitmennya termination benefits when it is demonstrably committed
untuk memutuskan kontrak kerja dengan karyawan to terminate the employment of current employees
berdasarkan suatu rencana formal terperinci yang kecil according to a detailed formal plan and the possibility
kemungkinannya untuk dibatalkan. Biaya pemutusan to withdraw the plan is low. Termination costs are
kontrak kerja diakui pada periode ketika Bank telah recognised in the period when the Bank is demonstrably
menunjukkan komitmennya untuk mengurangi secara committed to make a significant reduction in the number
signifikan jumlah pekerja yang ditanggung oleh of employees covered by a plan.
program.
Bank mengakui penyisihan imbalan kerja berdasarkan The Bank recognises provisions for employee service
Undang-undang Ketenagakerjaan. Penyisihan tersebut entitlements in accordance with the Labor Law.
diakui berdasarkan perhitungan aktuaris. Metode The provisions are recognised using actuarial
perhitungan aktuaria yang digunakan aktuaris adalah calculation. The method used by the actuary for
metode Projected Unit Credit. actuarial calculation is the Projected Unit Credit.
Liabilitas imbalan pasti yang diakui dalam laporan The liability recognised in the statement of financial
posisi keuangan adalah nilai kini liabilitas imbalan pasti position in respect of a defined pension benefit plan is
pada tanggal laporan posisi keuangan disesuaikan the present value of the defined benefit obligation at the
dengan keuntungan atau kerugian aktuarial dan biaya statement of financial position date adjusted for
jasa lalu yang belum diakui. unrecognised actuarial gains or losses of past service
costs.
Nilai kini liabilitas imbalan pasti ditentukan dengan The present value of the defined benefit obligation is
mendiskontokan arus kas estimasi menggunakan tingkat determined by discounting the estimated future cash
bunga Obligasi Pemerintah (dengan pertimbangan saat outflows using interest rates of Government Bonds
ini tidak ada pasar aktif untuk obligasi korporasi (considering currently there is no deep market for high
berkualitas tinggi) dalam mata uang yang sama dengan quality corporate bonds) that are denominated in the
mata uang imbalan yang akan dibayarkan dan waktu currency in which the benefit will be paid and that have
jatuh tempo yang kurang lebih sama dengan waktu jatuh terms to maturity approximating the terms of the related
tempo liabilitas pensiun yang bersangkutan. pension liability.
Pengukuran kembali dapat timbul dari perubahan pada Remeasurement arising from experience adjustments
asumsi-asumsi aktuarial yang dibebankan atau and changes in actuarial assumptions are charged or
dikreditkan ke ekuitas di penghasilan komprehensif lain credited to equity in other comprehensive income and
dan disajikan bagian dari penghasilan komprehensif lain presented as part of other comprehensive income in
di ekuitas. equity.
Biaya jasa lalu diakui segera di laporan laba rugi dan Past service costs are recognised immediately in the
penghasilan komprehensif lain. statement of profit or loss and other comprehensive
income.
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PT BANK OF INDIA INDONESIA TBK PT BANK OF INDIA INDONESIA TBK
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
UNTUK TAHUN YANG BERAKHIR FOR THE YEAR ENDED
PADA 31 DESEMBER 2024 DECEMBER 31, 2024
(Disajikan dalam Rupiah, kecuali dinyatakan lain) (Expressed in Rupiah, unless otherwise stated)
2. IKHTISAR KEBIJAKAN AKUNTANSI YANG 2. SUMMARY OF MATERIAL ACCOUNTING POLICIES
MATERIAL (lanjutan) (continued)
ad. Provisi ad. Provisions
Provisi diakui jika Bank memiliki kewajiban kini A provision is recognised when the Bank has a present
(baik secara hukum maupun bersifat konstruktif) obligation (legal or constructive) where, as a result of a
sebagai akibat peristiwa masa lalu dimana ada past event, it is probable that an outflow of resources
kemungkinan bahwa untuk penyelesaian kewajiban embodying economic benefits will be required to settle
tersebut diperlukan arus keluar sumber daya yang the obligation, and a reliable estimate can be made of
mengandung manfaat ekonomi, dan total kewajiban the amount of the obligation.
tersebut dapat diestimasi secara andal.
Provisi direviu pada setiap akhir periode pelaporan dan All provisions are reviewed at the end of each reporting
disesuaikan untuk mencerminkan estimasi kini terbaik. period and adjusted to reflect the current best estimate.
Jika tidak lagi terdapat kemungkinan arus keluar sumber If it is no longer probable that an outflow of resources
daya yang mengandung manfaat ekonomi untuk embodying economic benefits will be required to settle
menyelesaikan kewajiban tersebut, provisi dibatalkan. the obligations, the provisions are reversed.
ae. Laba (Rugi) per Saham Dasar ae. Basic Earnings (Loss) per Share
Laba (rugi) per saham dasar dihitung berdasarkan PSAK Basic earnings (loss) per share is computed based on
233 dengan membagi laba (rugi) tahun berjalan yang SFAS 233 by dividing income (loss) for the year
dapat diatribusikan kepada pemegang saham biasa attributable to ordinary equity holders of the parent
entitas induk dengan jumlah rata-rata tertimbang saham company by the weighted average number of shares
yang beredar pada tahun yang bersangkutan. outstanding during year.
Bank tidak memiliki efek berpotensi saham biasa yang The Bank has no outstanding dilutive potential ordinary
bersifat dilutif pada tanggal-tanggal 31 Desember 2024 shares as of December 31, 2024 and 2023, and
dan 2023, dan oleh karenanya, laba per saham dilusian accordingly, no diluted earnings per share is calculated
tidak dihitung dan disajikan pada laporan laba rugi dan and presented in the statement of profit or loss and other
penghasilan komprehensif lain. comprehensive income.
af. Informasi Segmen af. Segment Information
Informasi segmen disusun sesuai dengan kebijakan Segment information is prepared using the accounting
akuntansi yang dianut dalam penyusunan dan penyajian policies adopted for preparing and presenting the
laporan keuangan. financial statements.
Segmen wilayah adalah komponen Bank yang secara An area segment is a clearly defined component area of
jelas operasionalnya dapat dibedakan mengenai aset, the Bank which is distinguishable from one area to
kinerja dan aktivitas suatu wilayah dengan wilayah lain another with regards to its assets, performance and
dalam Bank. activities.
Bank menyajikan segmen berdasarkan laporan internal The Bank presents the segments based on the Bank’s
bank yang disajikan kepada pengambil keputusan internal reporting to the chief operating decision-maker
operasional sesuai PSAK 108. Pengambil keputusan in accordance with SFAS 108. The Bank’s chief
operasional Bank adalah direksi. operating decision-maker is a director.
Aset dan liabilitas yang digunakan bersama dalam satu Assets and liabilites that are used in one segment or
segmen atau lebih dialokasikan kepada setiap segmen more are allocated to each segment if, and only if,
jika, dan hanya jika, pendapatan dan beban yang terkait income and expenses that are related to those assets are
dengan aset tersebut juga dialokasikan kepada segmen- also allocated to those segments.
segmen tersebut.
ag. Liabilitas dan Aset Kontinjensi ag. Contingent Liabilities and Assets
Liabilitas kontinjensi tidak diakui dalam laporan Contingent liabilities are not recognised in the financial
keuangan tetapi diungkapkan kecuali jika kemungkinan statements but are disclosed unless the possibility of an
terjadi kecil. Aset kontinjensi tidak diakui namun outflow of resources embodying economic benefits is
diungkapkan dalam laporan keuangan ketika adanya remote. Contingent assets are not recognised but are
kemungkinan untuk mendapatkan manfaat ekonomi. disclosed in the financial statements when an inflow of
economic benefits is probable.
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PT BANK OF INDIA INDONESIA TBK PT BANK OF INDIA INDONESIA TBK
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
UNTUK TAHUN YANG BERAKHIR FOR THE YEAR ENDED
PADA 31 DESEMBER 2024 DECEMBER 31, 2024
(Disajikan dalam Rupiah, kecuali dinyatakan lain) (Expressed in Rupiah, unless otherwise stated)
2. IKHTISAR KEBIJAKAN AKUNTANSI YANG 2. SUMMARY OF MATERIAL ACCOUNTING POLICIES
MATERIAL (lanjutan) (continued)
ah. Peristiwa Setelah Periode Pelaporan ah. Events After the Reporting Period
Setiap peristiwa setelah akhir tahun yang menyebabkan Any post-year-end event that provides additional
tambahan informasi mengenai posisi keuangan Bank information about the Bank’s financial position
(adjusting event) akan disesuaikan dalam laporan (adjusting event) is reflected in the financial statements.
keuangan. Peristiwa setelah akhir tahun yang bukan Post-year-end events that are not adjusting events, if
merupakan adjusting events, jika ada, akan diungkapkan any, are disclosed when material to the financial
ketika memiliki dampak material terhadap laporan statements.
keuangan.
3. PERTIMBANGAN, ESTIMASI DAN ASUMSI 3. SIGNIFICANT ACCOUNTING JUDGMENTS,
AKUNTANSI SIGNIFIKAN ESTIMATES AND ASSUMPTIONS
Dalam penyusunan laporan keuangan sesuai dengan Standar The preparation of financial statements in conformity with
Akuntansi Keuangan di Indonesia dibutuhkan estimasi dan Financial Accounting Standards in Indonesia requires the
asumsi yang mempengaruhi: use of estimates and assumptions that effects:
• Nilai aset dan liabilitas dilaporkan dan pengungkapan • The reported amounts of assets and liabilities and
atas aset dan liabilitas kontinjensi pada tanggal laporan disclosure of contingent assets and liabilities at the date
keuangan; dan of the financial statements; and
• Jumlah pendapatan dan beban selama periode pelaporan. • The reported amounts of revenues and expenses during
the reporting period.
Walaupun estimasi ini dibuat berdasarkan pengetahuan Although these estimates are based on management's best
terbaik manajemen atas kejadian dan tindakan saat ini, hasil knowledge of current events and activities, actual results
yang timbul mungkin berbeda dengan jumlah yang may differ from those estimates.
diestimasi semula.
Pertimbangan Judgments
Pertimbangan profesional dan estimasi signifikan dalam The most significant judgment and estimates in determining
menentukan jumlah yang diakui dalam laporan keuangan the amounts recognised in the financial statements are as
adalah sebagai berikut: follows:
Usaha yang Berkelanjutan Going Concern
Manajemen Bank telah melakukan penilaian atas The Bank's management has made an assessment of the
kemampuan Bank untuk melanjutkan kelangsungan Bank's ability to continue as a going concern and is satisfied
usahanya dan berkeyakinan bahwa Bank memiliki sumber that the Bank has the resources to continue in business for
daya untuk melanjutkan usahanya pada masa mendatang. the foreseeable future. Futhermore, the management is not
Selain itu, manajemen tidak mengetahui adanya aware of any material uncertainties that may cast
ketidakpastian material yang dapat menimbulkan keraguan significant doubt on the Bank's ability to continue as a going
yang signifikan terhadap kemampuan Bank untuk concern. Therefore, the financial statements continue to be
mempertahankan kelangsungan usahanya. Oleh karena itu, prepared on the going concern basis.
laporan keuangan telah disusun atas dasar usaha yang
berkelanjutan.
Estimasi dan Asumsi Estimates and Assumption
Cadangan Kerugian Penurunan Nilai Aset Keuangan setelah Allowance for Impairment Losses of Financial Assets upon
Penerapan PSAK 109 Adoption of SFAS 109
Kondisi spesifik counterparty yang mengalami penurunan The specific counterparty component of the total allowances
nilai dalam pembentukan cadangan kerugian atas aset for impairment applies to financial assets evaluated
keuangan dievaluasi secara individu berdasarkan estimasi individually for impairment and is based upon
terbaik manajemen atas nilai kini arus kas yang diharapkan management's best estimate of the present value of the cash
akan diterima. Dalam mengestimasi arus kas tersebut, flows that are expected to be received. In estimating these
manajemen membuat pertimbangan tentang situasi cash flows, management makes judgments about the
keuangan counterparty dan nilai realisasi neto dari setiap counterparty's financial situation and the net realisable
agunan. Setiap aset yang mengalami penurunan nilai dinilai value of any underlying collateral. Each impaired asset is
sesuai dengan manfaat yang ada, dan strategi penyelesaian assessed on its merits, and the workout strategy and
serta estimasi arus kas yang diperkirakan dapat diterima estimated cash flows considered recoverable are
disetujui secara independen oleh Manajemen Risiko. independently approved by the Risk Management.
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PT BANK OF INDIA INDONESIA TBK PT BANK OF INDIA INDONESIA TBK
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
UNTUK TAHUN YANG BERAKHIR FOR THE YEAR ENDED
PADA 31 DESEMBER 2024 DECEMBER 31, 2024
(Disajikan dalam Rupiah, kecuali dinyatakan lain) (Expressed in Rupiah, unless otherwise stated)
3. PERTIMBANGAN, ESTIMASI DAN ASUMSI 3. SIGNIFICANT ACCOUNTING JUDGMENTS,
AKUNTANSI SIGNIFIKAN (lanjutan) ESTIMATES AND ASSUMPTIONS (continued)
Estimasi dan Asumsi (lanjutan) Estimates and Assumption (continued)
Cadangan Kerugian Penurunan Nilai Aset Keuangan setelah Allowance for Impairment Losses of Financial Assets upon
Penerapan PSAK 109 (lanjutan) Adoption of SFAS 109 (continued)
Perhitungan cadangan penurunan nilai kolektif meliputi Collectively assessed impairment allowances cover credit
kerugian kredit yang melekat dalam portofolio aset losses inherent in portfolios of financial assets with similar
keuangan dengan karakteristik ekonomi yang sama ketika economic characteristics when there is objective evidence
terdapat bukti objektif penurunan nilai terganggu, tetapi to suggest that they contain impaired financial assets, but
penurunan nilai secara individu belum dapat diidentifikasi. the individual impaired items cannot yet be identified. In
Dalam menilai kebutuhan untuk cadangan kolektif, assessing the need for collective allowances, management
manajemen mempertimbangkan faktor-faktor seperti considers factors such as credit quality and type of product.
kualitas kredit dan jenis produk.
Perhitungan ECL Bank adalah hasil dari model yang The Bank’s ECL calculations are outputs of complex models
kompleks dengan sejumlah asumsi yang mendasarinya. with a number of underlying assumptions.
Pertimbangan signifikan dalam menentukan ECL meliputi: Significant judgments in determining ECL include: defining
menentukan apa yang dianggap sebagai peningkatan risiko what is considered to be a significant increase in credit risk,
kredit yang signifikan, mengembangkan model ECL, developing the ECL models, including the choice of inputs
termasuk pilihan input yang berkaitan dengan variabel relating to macroeconomic variables, and making
makro ekonomi, dan membuat asumsi dan estimasi untuk assumptions and estimates to incorporate relevant
menggunakan informasi yang relevan tentang kejadian masa information about past events, current conditions and
lalu, kondisi saat ini dan prakiraan kondisi ekonomi. forecasts of economic conditions.
Dalam membuat estimasi terdapat tingkat ketidakpastian A high degree of uncertainty is involved in making
yang tinggi dalam menggunakan asumsi yang sangat estimations using assumptions that are highly subjective
subjektif dan sangat sensitif terhadap faktor risiko. and very sensitive to the risk factors.
Nilai tercatat kredit yang diberikan diungkapkan pada The carrying value of loans is disclosed in Note 11.
Catatan 11.
Nilai Wajar atas Instrumen Keuangan Fair Value of Financial Instruments
Dalam menentukan nilai wajar aset dan liabilitas keuangan In determining the fair value of financial assets and
yang tidak mempunyai harga pasar, Bank menggunakan liabilities which do not have a market price, the Bank uses
teknik penilaian seperti yang dijelaskan dalam Catatan 2d the assessment technique as described in Note 2d for
untuk instrumen keuangan yang tidak diperdagangkan financial instruments that are not traded in an active market
secara aktif dan memiliki informasi harga yang terbatas, and have limited price information, less objective fair value
nilai wajar yang kurang obyektif dan membutuhkan and require varying degrees of judgment depending on
berbagai tingkat penilaian tergantung pada likuiditas, liquidity, concentration, factor in the uncertainty of the
konsentrasi, faktor ketidakpastian pasar, asumsi harga dan market, price assumption and other risks.
risiko lainnya.
Umur Ekonomis Aset Tetap Useful Life of Fixed Assets
Bank memperkirakan masa manfaat aset tetap berdasarkan The Bank estimates the useful lives of fixed assets based on
periode dimana aset diharapkan akan tersedia untuk the period over which the assets are expected to be available
digunakan. Masa manfaat ekonomis aset tetap ditinjau for use. The estimated useful lives of fixed assets are
secara berkala dan diperbarui jika memiliki ekspektasi yang reviewed periodically and are updated if expectations differ
berbeda dari perkiraan sebelumnya, karena kerusakan secara from previous estimates due to physical wear and tear,
fisik dan teknis, atau keusangan secara komersial dan legal technical or commercial obsolescence and legal or other
atau batasan lainnya atas penggunaan aset tersebut. limits on the use of the assets.
Selain hal tersebut, estimasi masa manfaat dari aset tetap In addition, estimation of the useful lives of fixed assets is
didasarkan pada penilaian secara kolektif dengan based on collective assessment of industry practice, internal
menggunakan praktik industri, teknik evaluasi internal dan technical evaluation and experience with similar assets.
pengalaman dengan aset serupa. Tetap dimungkinkan, It is possible, however, that future results of operations
bagaimanapun, bahwa hasil masa depan dapat secara could be materially affected by changes in estimates brought
material dipengaruhi oleh perubahan estimasi yang about by changes in factors mentioned above.
disebabkan oleh perubahan faktor-faktor tersebut di atas.
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PT BANK OF INDIA INDONESIA TBK PT BANK OF INDIA INDONESIA TBK
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
UNTUK TAHUN YANG BERAKHIR FOR THE YEAR ENDED
PADA 31 DESEMBER 2024 DECEMBER 31, 2024
(Disajikan dalam Rupiah, kecuali dinyatakan lain) (Expressed in Rupiah, unless otherwise stated)
3. PERTIMBANGAN, ESTIMASI DAN ASUMSI 3. SIGNIFICANT ACCOUNTING JUDGMENTS,
AKUNTANSI SIGNIFIKAN (lanjutan) ESTIMATES AND ASSUMPTIONS (continued)
Estimasi dan Asumsi (lanjutan) Estimates and Assumption (continued)
Umur Ekonomis Aset Tetap (lanjutan) Useful Life of Fixed Assets (continued)
Jumlah dan saat pencatatan biaya untuk setiap periode akan The amounts and timing of recorded expenses for any
dipengaruhi oleh perubahan dari faktor dan keadaan saat period would be affected by changes in these factors and
pencatatan. Pengurangan taksiran masa manfaat dari aset circumstances. A reduction in the estimated useful lives of
tetap akan meningkatkan beban operasional yang diakui. fixed assets would increase the recorded operating
expenses.
Nilai tercatat aset tetap diungkapkan pada Catatan 13. The carrying value of fixed assets is disclosed in Note 13.
Penurunan Nilai Aset Non-keuangan Impairment of Non-Financial Assets
Bank mengevaluasi penurunan nilai aset apabila terdapat The Bank assesses impairment on assets whenever events or
kejadian atau perubahan keadaan yang mengindikasikan changes in circumstances indicate that the carrying amount
bahwa nilai tercatat aset tidak dapat dipulihkan kembali. of an assets may not be recoverable. The factors that which
Faktor-faktor penting yang dapat menyebabkan penelaahan could trigger an impairment review include the following:
penurunan nilai adalah sebagai berikut:
• Kinerja yang rendah secara signifikan jika • Significant underperformance relative to expected
dibandingkan dengan ekspektasi dari hasil operasi historical or projected future operating results;
historis maupun proyeksi hasil operasi pada masa yang
akan datang;
• Perubahan yang signifikan dalam cara penggunaan aset • Siginificant changes in the manner of use of the acquired
atau strategi bisnis secara keseluruhan; dan assets or the strategy for overall business; and
• Tren negatif industri dan ekonomi signifikan. • Significant negative industry or economic trends.
Bank mengakui kerugian penurunan nilai apabila nilai The Bank recognises an impairment loss whenever the
tercatat aset melebihi nilai yang dapat dipulihkan. carrying amount of an asset exceeds its recoverable
Jumlah terpulihkan adalah nilai yang lebih tinggi antara nilai amount. The recoverable amount is the higher of an asset’s
wajar dikurangi biaya untuk menjual dengan nilai pakai aset fair value less costs to sell and its value in use
(Unit Penghasil Kas). Jumlah terpulihkan diestimasi untuk (Cash Generating Unit). Recoverable amounts are
aset individual atau, jika tidak memungkinkan, untuk Unit estimated for individual assets or, if it is not possible, for the
Penghasil Kas yang mana aset tersebut merupakan bagian Cash Generating Unit to which the asset belongs.
daripada unit tersebut.
Pengakuan Pajak Tangguhan Recognition of Deferred Taxes
Aset pajak tangguhan diakui untuk seluruh saldo rugi fiskal Deferred tax assets are recognised for all unused fiscal loss
dan perbedaan temporer sampai pada batas adanya and temporary differences to the extent that it is probable
kemungkinan bahwa keuntungan yang dikenai pajak akan that taxable profit will be available against which the losses
tersedia dimana kerugian dapat dimanfaatkan. can be utilised. Significant management judgment is
Pertimbangan manajemen yang signifikan juga diperlukan required to determine the amount of deferred tax assets that
untuk menentukan jumlah dari aset pajak tangguhan yang can be recognised, based upon the likely timing and level of
dapat diakui, berdasarkan waktu yang mungkin terjadi dan future taxable profits together with future tax planning
tingkatan dari keuntungan yang dikenakan pajak pada masa strategies.
yang akan datang bersama dengan strategi perencanaan
pajak pada masa yang akan datang.
Nilai Sekarang dari Imbalan Kerja Present Value of Post-Employment Benefits
Biaya untuk imbalan pascakerja ditentukan menggunakan The cost of post-employment benefits is determined using
penilaian aktuaria. Penilaian aktuarial melibatkan actuarial valuations. The actuarial valuation involves
pembuatan asumsi mengenai tingkat diskonto, tingkat making assumptions about discount rates, expected rates of
pengembalian dari aset yang diharapkan, peningkatan gaji return on assets, future salary increases, mortality rates and
pada masa depan, tingkat kematian dan peningkatan jumlah future pension increases. Due to the long-term nature of
pensiun pada masa depan. Karena sifat jangka panjang these plans, such estimates are subject to significant
rencana-rencana ini, estimasi memiliki ketidakpastian yang uncertainty. In determining the appropriate discount rate,
signifikan. Dalam menentukan tingkat diskonto yang tepat, the Bank considers the interest rates of Government Bonds
Bank mempertimbangkan tingkat suku bunga atas Obligasi that have terms to maturity approximating the terms of the
Pemerintah yang mempunyai jatuh tempo yang menyerupai related employee benefits liability.
jangka waktu imbalan kerja karyawan.
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Page 215
PT BANK OF INDIA INDONESIA TBK PT BANK OF INDIA INDONESIA TBK
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
UNTUK TAHUN YANG BERAKHIR FOR THE YEAR ENDED
PADA 31 DESEMBER 2024 DECEMBER 31, 2024
(Disajikan dalam Rupiah, kecuali dinyatakan lain) (Expressed in Rupiah, unless otherwise stated)
4. KAS 4. CASH
31 Desember/ 31 Desember/
December 31, December 31,
2024 2023
Rupiah 11.874.738.500 10.036.490.450 Rupiah
Dollar Amerika Serikat 2.186.167.755 1.417.678.775 United States Dollar
Jumlah 14.060.906.255 11.454.169.225 Total
Saldo kas termasuk kas pada Anjungan Tunai Cash balance includes cash in Automatic Teller Machine
Mandiri (ATM) pada tanggal 31 Desember 2024 dan (ATM), which as of December 31, 2024 and 2023, amounted
2023 masing-masing sebesar Rp376.350.000 dan to Rp376,350,000 and Rp364,450,000, respectively.
Rp364.450.000.
Cash In Safe dan Cash In Transit diasuransikan terhadap Cash In Safe and Cash In Transit are insured for burglary
risiko kebongkaran kepada PT MAG Fairfax (pihak ketiga) risks with PT MAG Fairfax (third party) with insurance
dengan nilai pertanggungan sebesar Rp29.166.100.000 coverage of Rp29,166,100,000 for Cash In Safe and
untuk Cash In Safe dan Rp324.405.947.500 untuk Cash In Rp324,405,947,500 for Cash In Transit, respectively.
Transit.
Manajemen Bank berpendapat bahwa nilai pertanggungan The management of the Bank believes that the insurance
tersebut telah memadai untuk menutupi kemungkinan coverage is adequate to cover possible losses arising from
kerugian dari risiko tersebut. such risks.
5. GIRO PADA BANK INDONESIA 5. CURRENT ACCOUNTS WITH BANK INDONESIA
31 Desember/ 31 Desember/
December 31, December 31,
2024 2023
Rupiah 121.525.761.997 159.212.283.214 Rupiah
Dollar Amerika Serikat 28.810.050.000 29.793.195.000 United States Dollar
Jumlah 150.335.811.997 189.005.478.214 Total
Bank dipersyaratkan untuk memiliki Giro Wajib Minimum The Bank is required to maintain Minimum Statutory
(GWM) dalam mata uang Rupiah dalam kegiatannya Reserves (GWM) in Rupiah for conventional banking and
sebagai bank umum, serta GWM dalam mata uang asing GWM in foreign currency for foreign exchange
dalam kegiatannya melakukan transaksi mata uang asing. transactions. GWM are maintained in the form of current
GWM disimpan dalam bentuk giro pada Bank Indonesia. accounts with Bank Indonesia.
Rasio GWM Bank untuk rekening Rupiah dan mata uang The Bank’s GWM ratio for its Rupiah and foreign currency
asing pada tanggal 31 Desember 2024 dan 2023 adalah accounts as of December 31, 2024 and 2023 are as follows:
sebagai berikut:
31 Desember/ 31 Desember/
December 31, December 31,
2024 2023
Rupiah Rupiah
GWM Primer 5,06% 7,39% Primary GWM
Penyangga Likuiditas Macroprudential Liquidity Buffer
Makroprudensial (PLM) 82,45% 53,01% (PLM)
Dollar Amerika Serikat 4,25% 4,02% United States Dollar
- 45 -
Page 216
PT BANK OF INDIA INDONESIA TBK PT BANK OF INDIA INDONESIA TBK
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
UNTUK TAHUN YANG BERAKHIR FOR THE YEAR ENDED
PADA 31 DESEMBER 2024 DECEMBER 31, 2024
(Disajikan dalam Rupiah, kecuali dinyatakan lain) (Expressed in Rupiah, unless otherwise stated)
5. GIRO PADA BANK INDONESIA (lanjutan) 5. CURRENT ACCOUNTS WITH BANK INDONESIA
(continued)
Rasio GWM Pada tanggal 31 Desember 2024 dan 2023, The calculation of the GWM ratios as of December 31, 2024
dihitung berdasarkan Peraturan Bank Indonesia (PBI) and 2023 are calculated based on Bank Indonesia
No. 20/3/PBI/2018 tanggal 29 Maret 2018 tentang Giro Regulation (PBI) No. 20/3/PBI/2018 dated March 29, 2018
Wajib Minimum Bank Umum dalam Rupiah dan Valuta concerning Minimum Statutory Reserves for Commercial
Asing bagi Bank Umum Konvensional, Bank Umum Banks in Rupiah and Foreign Currency for Commercial
Syariah, dan Unit Usaha Syariah sebagaimana telah diubah Banks, Sharia Commercial Banks, and Syaria Business Unit
terakhir dengan PBI No. 24/4/PBI/2022 tanggal 1 Maret as last by PBI No. 24/4/PBI/2022 dated March 1, 2022.
2022. PBI tersebut dijelaskan dengan Peraturan Anggota Those PBI are explained by (PADG) No. 20/10/PADG/2018
Dewan Gubernur (PADG) No. 20/10/PADG/2018 tanggal dated May 31, 2018 has been changed saveral times, last by
31 Mei 2018 sebagaimana telah diubah beberapa kali, PADG Number 12 Year 2023 dated October 1, 2023
terakhir dengan PADG Nomor 12 Tahun 2023 tanggal regarding “Minimum Statutory Reserve Requirements in
1 Oktober 2023 tentang “Giro Wajib Minimum dalam Rupiah and Foreign Currencies of Conventional
Rupiah dan Valuta Asing bagi Bank Umum Konvensional, Commercial Banking, Sharia Commercial Banking and
Bank Umum Syariah, dan Unit Usaha Syariah”. Sharia Business Units”.
PLM adalah cadangan likuiditas minimum yang wajib PLM is the minimum liquidity reserve that must be
dipelihara oleh Bank dalam bentuk surat berharga yang maintained by Banks in the form of securities that meet
memenuhi persyaratan tertentu, yang besarnya ditentukan certain requirements, the amount of which is determined by
oleh Bank Indonesia. Bank Indonesia.
Bank telah memenuhi peraturan yang berlaku tentang GWM The Bank has complied with the prevailing regulations
Bank Umum Konvensional pada tanggal 31 Desember 2024 regarding GWM of Conventional Commercial Banks as of
dan 2023. December 31, 2024 and 2023.
6. GIRO PADA BANK LAIN 6. CURRENT ACCOUNTS WITH OTHER BANKS
31 Desember/ 31 Desember/
December 31, December 31,
2024 2023
Pihak berelasi Related parties
Mata uang asing Foreign currencies
Dollar Amerika Serikat United States Dollar
Bank of India - New York 543.301.854 447.602.184 Bank of India - New York
Dollar Singapura Singapore Dollar
Bank of India – Singapura 134.298.292 32.176.957 Bank of India – Singapore
Yen Jepang Japan Yen
Bank of India – Tokyo 124.250.883 86.713.603 Bank of India – Tokyo
Euro Euro
Bank of India – Paris 112.870.932 108.589.643 Bank of India – Paris
Pound Sterling Pound Sterling
Bank of India – London 106.943.137 132.321.286 Bank of India – London
Dollar Hongkong Hongkong Dollar
Bank of India – Hongkong 78.433.297 43.028.297 Bank of India – Hongkong
India Rupee Indian Rupee
Bank of India – Mumbai 36.967.207 176.025.940 Bank of India – Mumbai
Sub jumlah 1.137.065.602 1.026.457.910 Sub total
Pihak ketiga Third parties
Rupiah Rupiah
PT Maybank Indonesia Tbk 59.515.792 2.852.419.775 PT Maybank Indonesia Tbk
PT Bank Pan Indonesia Tbk 889.816.575 788.370.925 PT Bank Pan Indonesia Tbk
PT Bank Negara Indonesia Tbk 98.666.862 - PT Bank Negara Indonesia Tbk
Mata uang asing Foreign currencies
Bank of America 4.255.467.301 2.665.461.047 Bank of America
PT Bank Central Asia Tbk 538.643.157 168.103.369 PT Bank Central Asia Tbk
PT Bank Mandiri (Persero) Tbk 290.643.510 164.348.656 PT Bank Mandiri (Persero) Tbk
Sub jumlah 6.132.753.197 6.638.703.772 Sub total
Jumlah 7.269.818.799 7.665.161.682 Total
- 46 -
Page 217
PT BANK OF INDIA INDONESIA TBK PT BANK OF INDIA INDONESIA TBK
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
UNTUK TAHUN YANG BERAKHIR FOR THE YEAR ENDED
PADA 31 DESEMBER 2024 DECEMBER 31, 2024
(Disajikan dalam Rupiah, kecuali dinyatakan lain) (Expressed in Rupiah, unless otherwise stated)
6. GIRO PADA BANK LAIN (lanjutan) 6. CURRENT ACCOUNTS WITH OTHER BANKS
(continued)
Tingkat suku bunga efektif rata-rata per tahun giro pada The average annual effective interest rates of demand
bank lain untuk mata uang Rupiah dan valuta asing sebesar deposits with other banks in Rupiah and foreign currencies
0% pada 31 Desember 2024. are, 0% on December 31, 2024.
Pada tanggal 31 Desember 2024 dan 2023, semua giro pada As of December 31, 2024 and 2023, all current accounts
bank lain diklasifikasikan sebagai lancar berdasarkan with other banks are classified as current based on the
kolektibilitas Bank Indonesia. collectibility of Bank Indonesia.
Manajemen berpendapat bahwa tidak diperlukan cadangan The management believes that no allowance for impairment
kerugian penurunan nilai giro pada bank lain yang perlu losses on current accounts with other banks is necessary as
dibentuk pada tanggal 31 Desember 2024 dan 2023. of December 31, 2024 and 2023.
7. PENEMPATAN PADA BANK INDONESIA DAN 7. PLACEMENTS WITH BANK INDONESIA AND
BANK LAIN OTHER BANKS
Seluruh penempatan pada bank lain dilakukan dengan pihak All placements with other banks are made with third parties.
ketiga.
Penempatan pada Bank Indonesia dan bank lain berdasarkan Placements with Bank Indonesia and other banks by type
jenis penempatan dan mata uang adalah sebagai berikut: and currency of placements are as follows:
31 Desember/ December 31, 2024
Tingkat bunga
Jangka rata-rata efektif
waktu per tahun/
(hari)/ Average annual
Term Effective Jumlah/
Jenis penempatan (days) interest rate Total Type of placements
Rupiah Rupiah
Fasilitas Simpanan Bank 2 5,25% 104.000.000.000 Bank Indonesia Deposit Facilities
Indonesia
Bunga diskonto (15.162.244) Discount interest
Jumlah – bersih 103.984.837.756 Total – net
31 Desember/ December 31, 2023
Tingkat bunga
Jangka rata-rata efektif
waktu per tahun/
(hari)/ Average annual
Term Effective Jumlah/
Jenis penempatan (days) interest rate Total Type of placements
Rupiah Rupiah
Fasilitas Simpanan Bank 4 5,25% 106.000.000.000 Bank Indonesia Deposit Facilities
Indonesia
Bunga diskonto (15.449.322) Discount interest
Sub jumlah 105.984.550.678 Sub total
Dollar Amerika Serikat United States Dollar
Call Money Call Money
Bank of India – Hongkong 60 6,15% 30.941.297.967 Bank of India – Hongkong
Bank of India – Hongkong 62 6,15% 30.930.776.683 Bank of India – Hongkong
Bank of India – Tokyo 32 6,10% 30.919.228.933 Bank of India – Tokyo
Bank of India – Tokyo 31 6,13% 30.898.870.610 Bank of India – Tokyo
Sub jumlah 123.690.174.193 Sub total
Jumlah – bersih 229.674.724.871 Total – net
- 47 -
Page 218
PT BANK OF INDIA INDONESIA TBK PT BANK OF INDIA INDONESIA TBK
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
UNTUK TAHUN YANG BERAKHIR FOR THE YEAR ENDED
PADA 31 DESEMBER 2024 DECEMBER 31, 2024
(Disajikan dalam Rupiah, kecuali dinyatakan lain) (Expressed in Rupiah, unless otherwise stated)
7. PENEMPATAN PADA BANK INDONESIA DAN 7. PLACEMENTS WITH BANK INDONESIA AND
BANK LAIN (lanjutan) OTHER BANKS (continued)
Penempatan pada Bank Indonesia dan bank lain pada Placements with Bank Indonesia and other banks as of
tanggal 31 Desember 2024 dan 2023 digolongkan sebagai December 31, 2024 and 2023 are classified as current based
lancar berdasarkan kolektibilitas Bank Indonesia. Tidak on Bank Indonesia collectibility. There were no placements
terdapat penempatan pada Bank Indonesia dan bank lain with Bank Indonesia and other banks which were blocked
yang diblokir atau dijaminkan. or guaranteed.
Manajemen berpendapat bahwa tidak diperlukan cadangan The management believes that no allowance for impairment
kerugian penurunan nilai penempatan pada Bank Indonesia losses on placements with Bank Indonesia and other banks
dan bank lain yang perlu dibentuk pada tanggal is necessary as of December 31, 2024 and 2023.
31 Desember 2024 dan 2023.
8. EFEK-EFEK 8. MARKETABLE SECURITIES
a. Berdasarkan Jenis dan Peringkat a. By Type and Rating
31 Desember/ December 31, 2024
Nilai tercatat/ Peringkat/
Carrying value Rating
Biaya perolehan yang diamortisasi At amortised cost
Rupiah Rupiah
Surat Utang Negara 1.473.214.598.500 - Government Securities
Obligasi Negara Ritel 452.526.395.230 - State Retail Bonds
Bank Mandiri Obligasi Tahap I 22.000.000.000 idAAA Bank Mandiri Bonds Phase I
Seri A 2016 Series A 2016
Bank BTN Tahap II Tahun 15.000.000.000 idAA Bank BTN Tahap II Tahun
2022 Seri A 2022 Seri A
Jumlah 1.962.740.993.730 Total
31 Desember/ December 31, 2023
Nilai tercatat/ Peringkat/
Carrying value Rating
Biaya perolehan yang diamortisasi At amortised cost
Rupiah Rupiah
Surat Utang Negara 303.997.423.763 - Government Securities
Obligasi Negara Ritel 645.456.750.424 - State Retail Bonds
Sukuk Negara Ritel 127.287.991.143 - State Retail Sukuk
Bank Mandiri Obligasi Tahap I 22.000.000.000 idAAA Bank Mandiri Bonds Phase I
Seri A 2016 Series A 2016
Bank BTN Tahap II Tahun 15.000.000.000 idAA Bank BTN Tahap II Tahun
2022 Seri A 2022 Seri A
Jumlah 1.113.742.165.330 Total
Efek-efek di atas telah diperingkat oleh PT Pemeringkat Securities as mentioned above were rated by
Efek Indonesia. PT Pemeringkat Efek Indonesia.
b. Berdasarkan Penerbit b. By Issuer
31 Desember/ 31 Desember/
December 31, December 31,
2024 2023
Efek pemerintah 1.925.740.993.730 1.076.742.165.330 Government securities
Efek bukan pemerintah 37.000.000.000 37.000.000.000 Non-government securities
Jumlah 1.962.740.993.730 1.113.742.165.330 Total
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Page 219
PT BANK OF INDIA INDONESIA TBK PT BANK OF INDIA INDONESIA TBK
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
UNTUK TAHUN YANG BERAKHIR FOR THE YEAR ENDED
PADA 31 DESEMBER 2024 DECEMBER 31, 2024
(Disajikan dalam Rupiah, kecuali dinyatakan lain) (Expressed in Rupiah, unless otherwise stated)
8. EFEK-EFEK (lanjutan) 8. MARKETABLE SECURITIES (continued)
c. Berdasarkan Jangka Waktu c. By Maturity
31 Desember/ 31 Desember/
December 31, December 31,
2024 2023
Rupiah Rupiah
> 1 bulan ≤ 3 bulan 198.459.917.294 252.095.445.195 > 1 month ≤ 3 months
> 3 bulan ≤ 60 bulan 1.764.281.076.436 861.646.720.135 > 3 months ≤ 60 months
Jumlah 1.962.740.993.730 1.113.742.165.330 Total
Nilai tercatat dari efek-efek yang diukur pada biaya The carrying amount of securities measured at amortized
perolehan diamortisasai adalah sebagai berikut: cost is as follows:
2024 2023
Pendapatan bunga yang masih akan 6.460.910.995 7.310.401.885 Accrued intereset receivables (Note 16)
diterima (Catatan 16)
Jumlah 6.460.910.995 7.310.401.885 Total
Pada tanggal 31 Desember 2024 dan 2023, tidak terdapat As of December 31, 2024 and 2023, there are no securities
efek-efek yang dijadikan agunan oleh Bank. which are used as collateral by the Bank.
Manajemen berpendapat bahwa tidak diperlukan cadangan The management believes that no allowance for
kerugian penurunan nilai efek-efek yang perlu dibentuk impairment losses on marketable securities is necessary as
pada tanggal 31 Desember 2024 dan 2023. of December 31, 2024 and 2023.
9. EFEK-EFEK YANG DIBELI DENGAN JANJI 9. SECURITIES PURCHASED UNDER AGREEMENTS
DIJUAL KEMBALI TO RESELL
Efek-efek yang dibeli dengan janji dijual kembali dari pihak Securities purchased under agreements to resell from third
ketiga terdiri dari: parties are as follows:
31 Desember/ December 31, 2024
Pendapatan
Nilai bunga yang
Jenis Nilai Tanggal Tanggal penjualan belum Nilai
efek-efek/ nominal/ dimulai/ Jatuh kembali/ diamortisasi/ tercatat/
Nasabah/ Type of Nominal Starting tempo/ Resale Unamortised Carrying
Counterparty Securities Amount Date Due date amount Interest Value
Bank Indonesia VR0034 100.000.000.000 27/12/2024 03/01/2025 98.923.286.011 32.936.003 98.890.350.008
Bank Indonesia VR0042 70.000.000.000 30/12/2024 06/01/2025 68.706.874.612 57.189.008 68.649.685.604
Bank Indonesia VR0034 100.000.000.000 31/12/2024 07/01/2025 99.003.179.111 98.887.810 98.904.291.301
Jumlah/ Total 270.000.000.000 266.633.339.734 189.012.821 266.444.326.913
31 Desember/ December 31, 2023
Pendapatan
Nilai bunga yang
Jenis Nilai Tanggal Tanggal penjualan belum Nilai
efek-efek/ nominal/ dimulai/ Jatuh kembali/ diamortisasi/ tercatat/
Nasabah/ Type of Nominal Starting tempo/ Resale Unamortised Carrying
Counterparty Securities Amount Date Due date amount Interest Value
Bank Indonesia VR0034 100.000.000.000 27/12/2023 03/01/2024 95.874.883.687 31.921.053 95.842.962.633
Bank Indonesia VR0034 100.000.000.000 27/12/2023 03/01/2024 95.874.883.687 31.921.053 95.842.962.633
Bank Indonesia VR0034 100.000.000.000 27/12/2023 03/01/2024 95.874.883.687 31.921.053 95.842.962.633
Bank Indonesia VR0034 100.000.000.000 27/12/2023 03/01/2024 95.874.883.687 31.921.053 95.842.962.633
Bank Indonesia VR0034 50.000.000.000 27/12/2023 03/01/2024 47.937.441.843 15.960.527 47.921.481.317
Bank Indonesia VR0050 100.000.000.000 28/12/2023 04/01/2024 96.123.132.973 48.005.560 96.075.127.413
Bank Indonesia VR0050 50.000.000.000 28/12/2023 04/01/2024 48.061.566.487 24.002.780 48.037.563.707
Bank Indonesia VR0034 100.000.000.000 29/12/2023 05/01/2024 95.921.167.622 63.872.927 95.857.294.695
Bank Indonesia VR0034 50.000.000.000 29/12/2023 05/01/2024 47.960.583.811 31.936.463 47.928.647.348
Jumlah/ Total 750.000.000.000 719.503.427.484 311.462.469 719.191.965.012
- 49 -
Page 220
PT BANK OF INDIA INDONESIA TBK PT BANK OF INDIA INDONESIA TBK
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
UNTUK TAHUN YANG BERAKHIR FOR THE YEAR ENDED
PADA 31 DESEMBER 2024 DECEMBER 31, 2024
(Disajikan dalam Rupiah, kecuali dinyatakan lain) (Expressed in Rupiah, unless otherwise stated)
9. EFEK-EFEK YANG DIBELI DENGAN JANJI 9. SECURITIES PURCHASED UNDER AGREEMENTS
DIJUAL KEMBALI (lanjutan) TO RESELL (continued)
Efek-efek yang dibeli dengan janji dijual kembali tersebut Securities purchased under agreements to resale are
di atas diklasifikasikan sebagai lancar. classified as current.
Tingkat suku bunga tetap tahunan: Annual fixed interest rates:
2024 2023
Suku bunga kontrak 6% 6% Contractual interest rates
Manajemen berpendapat bahwa tidak diperlukan cadangan The management believes that no allowance for impairment
kerugian penurunan nilai efek-efek yang dibeli dengan janji losses on securities purchased under agreements to resale
untuk dijual kembali yang perlu dibentuk pada tanggal is necessary as of December 31, 2024 and 2023.
31 Desember 2024 dan 2023.
10. TAGIHAN DAN LIABILITAS DERIVATIF 10. DERIVATIVE RECEIVABLES AND LIABILITIES
Bank melakukan transaksi derivatif dalam bentuk kontrak The Bank’s derivative financial instruments consist
berjangka mata uang asing dan foreign currency swaps. principally of forward foreign currency contracts and
Kontrak berjangka valuta asing merupakan komitmen foreign currency swaps. Swap and forward foreign
kepada penjual atau pembeli kontrak untuk menjual dan exchange contracts are agreements to the seller or buyer to
membeli sejumlah mata uang tertentu pada tanggal pada buy and sell a currency for another currency at a future
masa mendatang dengan harga yang telah ditentukan date and at a specified price.
terlebih dahulu.
Transaksi perangkat moneter derivatif di atas menimbulkan The Bank’s derivative financial instruments give rise to
risiko pasar dan risiko kredit. Risiko pasar dari transaksi market and credit risks. The market risk of derivative
perangkat moneter derivatif timbul sebagai akibat dari financial instruments arises from the potential changes in
adanya fluktuasi dalam tingkat bunga dan kurs mata uang. value due to fluctuations in interest and foreign exchange
Sedangkan risiko kredit timbul dalam hal pihak lain tidak rates. Credit risk is the possibility that a loss may occur due
memenuhi kewajibannya kepada Bank. Jangka waktu dari to the failure of the counter party to fulfill its obligations
transaksi perangkat moneter derivatif Bank berjangka according to the terms of the contract. The Bank’s
valuta asing berkisar antara 4 sampai 184 hari. derivative financial instruments have terms ranging from
4 to 184 days.
Rincian tagihan dan liabilitas derivatif berdasarkan jenis The details of derivative receivables and liabilities by type
pada tanggal 31 Desember 2024 adalah sebagai berikut: as of December 31, 2024 are as follows:
31 Desember/ December 31, 2024
Jumlah nosional/Notional amount Nilai wajar/Fair value
Tagihan/ Liabilitas/
Beli/ Buy Jual/ Sell Receivables Liabilities
Spot Spot
Dollar Amerika Serikat United States Dollar
PT Bank Danamon 16.154.000.000 121.131.000.000 418.500.000 59.000.000 PT Bank Danamon
Indonesia Tbk Indonesia Tbk
PT Bank Negara 16.180.000.000 64.685.000.000 305.000.000 85.000.000 PT Bank Negara
Indonesia Tbk Indonesia Tbk
PT Bank Central - 88.919.500.000 397.000.000 - PT Bank Central
Asia Tbk Asia Tbk
PT Bank Mega Tbk 193.850.000.000 16.182.000.000 87.000.000 710.000.000 PT Bank Mega Tbk
PT Bank Permata Tbk 113.108.000.000 48.427.000.000 142.000.000 443.000.000 PT Bank Permata
Tbk
Sub jumlah 339.292.000.000 339.344.500.000 1.349.500.000 1.297.000.000 Sub total
Swap Swap
Dollar Amerika Serikat United States Dollar
PT Bank Mega Tbk 217.387.175.000 - - 907.270.813 PT Bank Mega Tbk
Sub jumlah 217.387.175.000 - - 907.270.813 Sub total
Jumlah 556.679.175.000 339.344.500.000 1.349.500.000 2.204.270.813 Total
- 50 -
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PT BANK OF INDIA INDONESIA TBK PT BANK OF INDIA INDONESIA TBK
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
UNTUK TAHUN YANG BERAKHIR FOR THE YEAR ENDED
PADA 31 DESEMBER 2024 DECEMBER 31, 2024
(Disajikan dalam Rupiah, kecuali dinyatakan lain) (Expressed in Rupiah, unless otherwise stated)
10. TAGIHAN DAN LIABILITAS DERIVATIF (lanjutan) 10. DERIVATIVE RECEIVABLES AND LIABILITIES
(continued)
Rincian tagihan dan liabilitas derivatif berdasarkan jenis The details of derivative receivables and liabilities by type
pada tanggal 31 Desember 2023 adalah sebagai berikut: as of December 31, 2023 are as follows:(continued)
(lanjutan)
31 Desember/ December 31, 2023
Jumlah nosional/ Notional amount Nilai wajar/ Fair value
Tagihan/ Liabilitas/
Beli/ Buy Jual/ Sell Receivables Liabilities
Spot Spot
Dollar Amerika Serikat United States Dollar
PT Bank Mega Tbk 42.418.500.000 53.135.915.000 93.250.000 76.750.000 PT Bank Mega Tbk
PT Bank Permata Tbk - 3.846.250.000 3.000.000 PT Bank Permata Tbk
Sub jumlah 42.418.500.000 56.982.165.000 93.250.000 79.750.000 Sub total
Swap Swap
Dollar Amerika Serikat United States Dollar
PT Bank Mega Tbk 9.255.600.000 32.393.550.000 59.850.000 17.370.658 PT Bank Mega Tbk
Sub jumlah 9.255.600.000 32.393.550.000 59.850.000 17.370.658 Sub total
Jumlah 51.674.100.000 89.375.715.000 153.100.000 97.120.658 Total
Informasi mengenai jatuh tempo diungkapkan pada Information in respect to maturities is disclosed in Note 38.
Catatan 38.
Seluruh tagihan derivatif pada tanggal 31 Desember 2024 All derivative receivables as of December 31, 2024 and
dan 2023 digolongkan sebagai lancar. 2023 are classified as current.
Estimasi nilai wajar derivatif ditentukan dengan Fair value estimation of derivatives is determined by
mendiskontokan estimasi arus kas masa datang discounting the estimated future cash flows using the
menggunakan tingkat suku bunga fasilitas Bank Indonesia prevailing Bank Indonesia deposit facility rate.
(FASBI) yang berlaku.
11. KREDIT YANG DIBERIKAN 11. LOANS
a. Berdasarkan Jenis Kredit a. By Type of Credit
31 Desember/ 31 Desember/
December 31, December 31,
2024 2023
Pihak berelasi Related parties
Rupiah Rupiah
Karyawan - 19.679.324 Employees
Pihak ketiga Third parties
Rupiah Rupiah
Modal kerja 3.148.391.321.548 2.884.608.821.086 Working capital
Investasi 179.651.724.907 142.254.394.998 Investment
Konsumsi 27.368.391.111 31.275.346.449 Consumer
Karyawan 331.123.657 354.366.195 Employees
Dollar Amerika Serikat United States Dollar
Modal kerja 784.568.583.313 586.594.589.286 Working capital
Investasi - 71.046.420.364 Investment
Sub jumlah – Pihak ketiga 4.140.311.144.536 3.716.133.938.378 Sub total – Third parties
Jumlah 4.140.311.144.536 3.716.153.617.702 Total
Dikurangi: Cadangan kerugian (119.077.078.234) (166.948.002.265) Less: Allowance for impairment
penurunan nilai losses
Jumlah kredit – bersih 4.021.234.066.302 3.549.205.615.437 Total loans – net
- 51 -
Page 222
PT BANK OF INDIA INDONESIA TBK PT BANK OF INDIA INDONESIA TBK
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
UNTUK TAHUN YANG BERAKHIR FOR THE YEAR ENDED
PADA 31 DESEMBER 2024 DECEMBER 31, 2024
(Disajikan dalam Rupiah, kecuali dinyatakan lain) (Expressed in Rupiah, unless otherwise stated)
11. KREDIT YANG DIBERIKAN (lanjutan) 11. LOANS (continued)
b. Berdasarkan Kualitas Kredit b. By Credit Quality
31 Desember/ 31 Desember/
December 31, December 31,
2024 2023
Lancar 3.627.752.087.529 3.286.722.126.813 Current
Dalam perhatian khusus 263.157.663.432 196.135.740.445 Special mention
Kurang lancar - 132.126.761.097 Substandard
Diragukan 1.298.696.416 - Doubtful
Macet 248.102.697.159 101.168.989.347 Loss
Jumlah 4.140.311.144.536 3.716.153.617.702 Total
Dikurangi: Cadangan kerugian (119.077.078.234) (166.948.002.265) Less: Allowance for impairment
penurunan nilai losses
Jumlah kredit – bersih 4.021.234.066.302 3.549.205.615.437 Total loans- net
c. Berdasarkan Sektor Ekonomi c. By Economic Sector
31 Desember/ 31 Desember/
December 31, December 31,
2024 2023
Rupiah Rupiah
Jasa bisnis 1.306.652.966.555 1.414.805.215.618 Business services
Perdagangan 881.595.970.643 880.546.565.691 Trade
Manufaktur 572.457.825.786 342.783.370.479 Manufacturing
Transportasi 129.371.178.052 126.434.344.304 Transportation
Konstruksi 88.022.006.692 88.637.396.658 Construction
Pertambangan 5.553.494.614 115.393.989.347 Mining
Jasa pelayanan 1.759.208.522 6.395.159.498 Public services
Pertanian 415.292.906 25.042.706 Agriculture
Lain-lain 369.914.617.453 83.491.523.751 Others
Sub jumlah 3.355.742.561.223 3.058.512.608.052 Sub total
Dollar Amerika Serikat United States Dollar
Manufaktur 290.926.863.602 258.229.268.432 Manufacturing
Pertambangan 241.045.333.596 152.029.960.293 Mining
Perdagangan 234.087.136.115 225.056.130.925 Trade
Transportasi 12.071.250.000 11.547.750.000 Transportation
Jasa bisnis 6.438.000.000 10.777.900.000 Business services
Sub jumlah 784.568.583.313 657.641.009.650 Sub total
Jumlah 4.140.311.144.536 3.716.153.617.702 Total
Dikurangi: Cadangan kerugian (119.077.078.234) (166.948.002.265) Less: Allowance for impairment
penurunan nilai losses
Jumlah kredit – bersih 4.021.234.066.302 3.549.205.615.437 Total loans- net
- 52 -
Page 223
PT BANK OF INDIA INDONESIA TBK PT BANK OF INDIA INDONESIA TBK
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
UNTUK TAHUN YANG BERAKHIR FOR THE YEAR ENDED
PADA 31 DESEMBER 2024 DECEMBER 31, 2024
(Disajikan dalam Rupiah, kecuali dinyatakan lain) (Expressed in Rupiah, unless otherwise stated)
11. KREDIT YANG DIBERIKAN (lanjutan) 11. LOANS (continued)
d. Berdasarkan Penilaian Secara Kolektif dan Individual d. By Assessment as Collective and Individual
31 Desember/ 31 Desember/
December 31, December 31,
2024 2023
Kredit yang dievaluasi secara 498.553.230.640 532.328.666.012 Loans assessed for individual
individual impairments
Penurunan nilai individual (108.903.171.555) (131.809.140.133) Individual impairments
Jumlah 389.650.059.085 400.519.525.879 Total
Kredit yang dievaluasi secara 3.641.757.913.896 3.183.824.951.690 Loans assessed for collective
kolektif impairments
Penurunan nilai kolektif (10.173.906.679) (35.138.862.132) Collective impairments
Jumlah 3.631.584.007.217 3.148.686.089.558 Total
Jumlah Kredit – bersih 4.021.234.066.302 3.549.205.615.437 Total Loans- net
e. Berdasarkan Jangka Waktu Pinjaman e. By Term of Loans
Jangka waktu kredit diklasifikasikan berdasarkan The classification of loans according to term of credit
periode pinjaman sebagaimana yang tercantum dalam agreements are as follows:
perjanjian kredit adalah sebagai berikut:
Berdasarkan periode perjanjian kredit: Based on term of credit agreements:
31 Desember/ December 31, 2024
Pihak berelasi/ Pihak ketiga/
Related parties Third parties
Dollar
Amerika Dollar Amerika
Serikat/ Serikat/
United States United States Jumlah /
Rupiah Dollar Rupiah Dollar Total
Sampai dengan
1 tahun - - 2.064.935.097.650 316.059.943.736 2.380.995.041.386 Up to 1 year
1 – 2 tahun - - 377.844.283.741 33.887.995.460 411.732.279.201 1-2 years
2 – 5 tahun - - 558.355.397.938 106.199.590.215 664.554.988.153 2-5 years
Lebih dari 5 - - 354.607.781.894 328.421.053.902 683.028.835.796 More than 5
tahun years
Jumlah - - 3.355.742.561.223 784.568.583.313 4.140.311.144.536 Total
Cadangan - - (22.294.135.751) (96.782.942.483) (119.077.078.234) Allowance for
kerugian impairment
penurunan nilai losses
Jumlah kredit - - 3.333.448.425.472 687.785.640.830 4.021.234.066.302 Total loans
– bersih – net
- 53 -
Page 224
PT BANK OF INDIA INDONESIA TBK PT BANK OF INDIA INDONESIA TBK
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
UNTUK TAHUN YANG BERAKHIR FOR THE YEAR ENDED
PADA 31 DESEMBER 2024 DECEMBER 31, 2024
(Disajikan dalam Rupiah, kecuali dinyatakan lain) (Expressed in Rupiah, unless otherwise stated)
11. KREDIT YANG DIBERIKAN (lanjutan) 11. LOANS (continued)
e. Berdasarkan Jangka Waktu Pinjaman (lanjutan) e. By Term of Loans (continued)
Berdasarkan periode perjanjian kredit: (lanjutan) Based on term of credit agreements: (continued)
31 Desember/ December 31, 2023
Pihak berelasi/ Pihak ketiga/
Related parties Third parties
Dollar
Amerika Dollar Amerika
Serikat/ Serikat/
United States United States Jumlah /
Rupiah Dollar Rupiah Dollar Total
Sampai dengan
1 tahun - - 867.485.647.339 230.722.621.084 1.098.208.268.423 Up to 1 year
1 – 2 tahun - - 970.013.203.875 100.860.830.586 1.070.874.034.461 1-2 years
2 – 5 tahun 19.679.324 - 895.495.819.572 99.210.020.597 994.725.519.493 2-5 years
Lebih dari 5 - - 325.498.257.942 226.847.537.383 552.345.795.325 More than 5
tahun years
Jumlah 19.679.324 - 3.058.492.928.728 657.641.009.650 3.716.153.617.702 Total
Cadangan (34.564) - (98.734.846.370) (68.213.121.331) (166.948.002.265) Allowance for
kerugian impairment
penurunan nilai losses
Jumlah kredit 19.644.760 - 2.959.758.082.358 589.427.888.319 3.549.205.615.437 Total loans
– bersih – net
f. Berdasarkan Stage f. By Stage
Perubahan jumlah tercatat bruto kredit yang diberikan menurut The movement of gross carrying amount of loans by stage are
stage adalah sebagai berikut: as follows:
31 Desember/ December 31, 2024
Stage 1/ Stage 2/ Stage 3/ Jumlah /
Stage 1 Stage 2 Stage 3 Total
Saldo awal tahun 3.171.996.987.362 311.013.192.865 233.143.437.475 3.716.153.617.702 Balance at beginning
of year
Transfer ke kerugian kredit (173.923.934.220) 173.923.934.220 - - Transfer to lifetime
ekspektasian sepanjang expected credit
umurnya (Stage 2) losses (Stage 2)
Transfer ke kerugian kredit - (114.144.819.482) 114.144.819.482 - Transfer to credit
yang mengalami impaired (Stage 3)
penurunan nilai (Stage 3)
Aset keuangan baru yang 1.204.033.588.710 - - 1.204.033.588.710 New financial assets
diberikan originated
Pelunasan (573.919.595.524) (108.069.602.970) (97.886.863.382) (779.876.061.876) Settlement
Jumlah 3.628.187.046.328 262.722.704.633 249.401.393.575 4.140.311.144.536 Total
Cadangan kerugian (9.790.445.981) (4.128.511.470) (105.158.120.783) (119.077.078.234) Allowance for
penurunan nilai impairment losses
Saldo akhir tahun 3.618.396.600.347 258.594.193.163 144.243.272.792 4.021.234.066.302 Balance at end of year
- 54 -
Page 225
PT BANK OF INDIA INDONESIA TBK PT BANK OF INDIA INDONESIA TBK
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
UNTUK TAHUN YANG BERAKHIR FOR THE YEAR ENDED
PADA 31 DESEMBER 2024 DECEMBER 31, 2024
(Disajikan dalam Rupiah, kecuali dinyatakan lain) (Expressed in Rupiah, unless otherwise stated)
11. KREDIT YANG DIBERIKAN (lanjutan) 11. LOANS (continued)
f. Berdasarkan Stage (lanjutan) f. By Stage (continued)
Perubahan jumlah tercatat bruto kredit yang diberikan menurut The movement of gross carrying amount of loans by stage are
stage adalah sebagai berikut: (lanjutan) as follows: (continued)
31 Desember/ December 31, 2023
Stage 1/ Stage 2/ Stage 3/ Jumlah /
Stage 1 Stage 2 Stage 3 Total
Saldo awal tahun 2.032.830.921.142 245.072.776.384 227.256.323.130 2.505.160.020.656 Balance at beginning
of year
Transfer ke kerugian kredit (158.102.741.348) 158.102.741.348 - - Transfer to lifetime
ekspektasian sepanjang expected credit
umurnya (Stage 2) losses (Stage 2)
Transfer ke kerugian kredit (57.363.278.909) (74.611.169.219) 131.974.448.128 - Transfer to credit
yang mengalami impaired (Stage 3)
penurunan nilai (Stage 3)
Aset keuangan baru yang 1.495.225.107.481 - - 1.495.225.107.481 New financial assets
diberikan originated
Pelunasan (140.593.021.004) (17.551.155.648) (126.087.333.783) (284.231.510.435) Settlement
Jumlah 3.171.996.987.362 311.013.192.865 233.143.437.475 3.716.153.617.702 Total
Cadangan kerugian (34.151.572.196) (43.928.232.932) (88.868.197.137) (166.948.002.265) Allowance for
penurunan nilai impairment losses
Saldo akhir tahun 3.137.845.415.166 267.084.959.933 144.275.240.338 3.549.205.615.437 Balance at end of year
g. Kredit yang Direstrukturisasi g. Restructured Loans
Pada tanggal 31 Desember 2024 dan 2023, jumlah kredit yang As of December 31, 2024 and 2023, total restructured loans
direstrukturisasi selama tahun berjalan berdasarkan during the year based on the collectibility are as follow:
kolektibilitas adalah:
31 Desember/ December 31, 2024
Dalam perhatian Kurang
Lancar/ khusus/ lancar/ Diragukan/ Macet/ Jumlah/
Current Special mention Sub-standard Doubtful Loss Total
Perpanjangan 65.041.201 18.972.237.500 - - 235.602.697.159 254.639.975.860 Extension of credit
jangka terms and other
waktu dan scheme
skema lain
31 Desember/ December 31, 2023
Dalam perhatian Kurang
Lancar/ khusus/ lancar/ Diragukan/ Macet/ Jumlah/
Current Special mention Sub-standard Doubtful Loss Total
Perpanjangan 78.220.485.413 167.242.459.819 128.626.761.097 - 101.168.989.347 475.258.695.676 Extension of credit
jangka terms and other
waktu dan scheme
skema lain
- 55 -
Page 226
PT BANK OF INDIA INDONESIA TBK PT BANK OF INDIA INDONESIA TBK
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
UNTUK TAHUN YANG BERAKHIR FOR THE YEAR ENDED
PADA 31 DESEMBER 2024 DECEMBER 31, 2024
(Disajikan dalam Rupiah, kecuali dinyatakan lain) (Expressed in Rupiah, unless otherwise stated)
11. KREDIT YANG DIBERIKAN (lanjutan) 11. LOANS (continued)
h. Rasio Non-Performing Loan (NPL) h. Non-Performing Loans (NPL) Ratio
Rasio pada tanggal 31 Desember 2024 dan 2023 adalah Ratio as of December 31, 2024 and 2023 are as follows:
sebagai berikut:
2024 2023
NPL Gross 6.02% 6,28% Gross NPL
NPL Neto 3.48% 3,88% Net NPL
i. Mutasi cadangan kerugian penurunan nilai pada tanggal i. The changes in the allowance for impairment losses as of
31 Desember 2024 dan 2023 adalah sebagai berikut: December 31, 2024 and 2023 are as follows:
2024
Dollar Amerika
Serikat/
United States Jumlah/
Rupiah Dollar Total
Saldo awal tahun 98.734.880.934 68.213.121.331 166.948.002.265 Balance at beginning of year
Penambahan cadangan 61.374.264.033 24.485.910.380 85.860.174.413 Additional of allowance
selama tahun berjalan during the year (Note 28)
(Catatan 28)
Penghapusan selama tahun (137.815.009.216) - (137.815.009.216) Write-off during the year
berjalan
Selisih kurs - 4.083.910.772 4.083.910.772 Exchange rate differences
Saldo akhir tahun 22.294.135.751 96.782.942.483 119.077.078.234 Balance at end of year
2023
Dollar Amerika
Serikat/
United States Jumlah/
Rupiah Dollar Total
Saldo awal tahun 105.413.826.352 45.935.774.773 151.349.601.125 Balance at beginning of year
Penambahan cadangan 86.845.877.486 28.436.359.068 115.282.236.554 Additional of allowance
selama tahun berjalan during the year (Note 28)
(Catatan 28)
Penghapusan selama tahun (93.524.822.904) - (93.524.822.904) Write-off during the year
berjalan
Selisih kurs - (6.159.012.510) (6.159.012.573) Exchange rate differences
Saldo akhir tahun 98.734.880.934 68.213.121.331 166.948.002.265 Balance at end of year
Manajemen berpendapat bahwa cadangan kerugian Management believes that the allowance for
penurunan nilai atas kredit yang diberikan telah impairment losses on loans is adequate to cover the
memadai untuk menutup kerugian yang mungkin losses which might arise from uncollectible loans.
timbul akibat tidak tertagihnya kredit.
j. Mutasi kredit (termasuk didalamnya wesel ekspor dan j. Changes in loans (including export bills and foreclosed
agunan yang diambil alih) yang dihapusbukukan adalah assets) written-off are as follows
sebagai berikut:
2024 2023
Saldo awal tahun 705.659.699.418 623.880.952.015 Balance at beginning of year
Penghapusan dalam tahun berjalan 137.815.009.152 93.524.822.903 Written-off during the year
Penerimaan kembali yang telah (21.515.612.060) (8.616.075.500) Recovery during the year
dihapus buku
Hapus tagih (3.995.437) (3.130.000.000) Discharge of claim
Saldo akhir tahun 821.955.101.073 705.659.699.418 Balance at end of year
- 56 -
Page 227
PT BANK OF INDIA INDONESIA TBK PT BANK OF INDIA INDONESIA TBK
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
UNTUK TAHUN YANG BERAKHIR FOR THE YEAR ENDED
PADA 31 DESEMBER 2024 DECEMBER 31, 2024
(Disajikan dalam Rupiah, kecuali dinyatakan lain) (Expressed in Rupiah, unless otherwise stated)
11. KREDIT YANG DIBERIKAN (lanjutan) 11. LOANS (continued)
k. Pada tanggal 31 Desember 2024 dan 2023, Bank tidak k. As of December 31, 2024 and 2023, the Bank did not
melampaui Batas Maksimum Pemberian Kredit exceed its Legal Lending Limit (LLL) to related parties.
(BMPK) kepada pihak berelasi.
l. Rasio kredit mikro usaha kecil dan menengah terhadap l. The ratio of loans to small medium enterprises to total
total kredit yang diberikan pada tanggal 31 Desember loans as of December 31, 2024 and 2023 are 11.22% and
2024 dan 2023 masing-masing sebesar 11,22% dan 11.66%, respectively.
11,66%.
m. Tingkat suku bunga rata-rata efektif per tahun m. Average effective interest rates per annum
2024 2023
Rupiah 9,78% 9,46% Rupiah
Dollar Amerika Serikat 5,57% 5,54% United States Dollar
n. Rasio kredit usaha kecil (KUK) terhadap jumlah kredit n. The ratio of KUK enterprises to total loans as of
yang diberikan pada tanggal 31 Desember 2024 dan December 31, 2024 and 2023 were 1.96% and 2.37%,
2023 masing-masing sebesar 1,96% dan 2,37%. respectively.
o. Deposito berjangka yang diblokir dan dijadikan o. Time deposits which are blocked and pledged as loan
jaminan pinjaman dan hal lain sebesar collateral and others amounted to Rp690,369,426,051
Rp690.369.426.051 dan USD2.730.109 pada tanggal and USD2,730,109 as of December 31, 2024 and
31 Desember 2024 dan Rp331.349.898.459 dan Rp331,349,898,459 and USD1,155,075 as of December
USD1.155.075 pada tanggal 31 Desember 2023. 31, 2023.
12. TAGIHAN DAN LIABILITAS AKSEPTASI 12. ACCEPTANCE RECEIVABLES AND PAYABLE
Seluruh tagihan liabilitas akseptasi dilakukan dengan pihak D All of the acceptances receivable and payable were made
ketiga dan dalam mata uang Dollar Amerika Serikat, sebesar a with third parties and denominated in United States Dollar,
Rp0 dan Rp1.296.935.193 pada tanggal 31 Desember 2024 n amounting to Rp0 and Rp1,296,935,193 as of December 31,
dan 2023. 2024 and 2023.
Jangka waktu perjanjian tagihan dan liabilitas akseptasi pada The Bank's acceptances receivable and payable as of
tanggal 31 Desember 2024 dan 31 Desember 2023 berkisar December 31, 2024 and December, 31 2023 have terms
antara 0 dan 118 hari sampai dengan 195 hari. between 0 and 118 days up to 195 days.
Tidak terdapat cadangan kerugian penurunan nilai yang No allowance for impairment losses on acceptances
dibukukan untuk tagihan akseptasi pada tanggal receivable has been booked for December 31, 2024.
31 Desember 2024
- 57 -
Page 228
PT BANK OF INDIA INDONESIA TBK PT BANK OF INDIA INDONESIA TBK
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
UNTUK TAHUN YANG BERAKHIR FOR THE YEAR ENDED
PADA 31 DESEMBER 2024 DECEMBER 31, 2024
(Disajikan dalam Rupiah, kecuali dinyatakan lain) (Expressed in Rupiah, unless otherwise stated)
13. ASET TETAP 13. PROPERTY, PLANT AND EQUIPMENT
31 Desember/ December 31, 2024
Saldo awal/ Saldo akhir/
Beginning Penambahan/ Pengurangan/ Ending
balance Additions Disposals balance
Biaya perolehan Cost
Model revaluasi: At revaluation model:
Tanah 87.302.045.554 - - 87.302.045.554 Land
Bangunan 38.498.261.194 286.177.749 - 38.784.438.943 Buildings
Model biaya: At cost model:
Perlengkapan dan 18.791.576.068 1.703.905.794 31.843.400 20.463.638.462 Office furniture and
peralatan kantor equipment
Kendaraan bermotor 4.031.544.523 - 142.700.000 3.888.844.523 Vehicles
Aset hak-guna 6.284.690.724 2.008.790.999 1.074.124.127 7.219.357.596 Right-of-use assets
Jumlah 154.908.118.063 3.998.874.542 1.248.667.527 157.658.325.078 Total
Akumulasi Accumulated
penyusutan depreciation
Model revaluasi: At revaluation model:
Bangunan 4.779.812.145 1.918.622.998 - 6.698.435.143 Building
Model biaya: At cost model:
Perlengkapan dan 17.431.330.901 858.502.068 31.028.567 18.258.804.402 Office furniture and
peralatan kantor equipment
Kendaraan bermotor 2.225.289.453 475.309.885 142.700.000 2.557.899.338 Vehicles
Aset hak-guna 3.655.180.508 1.697.000.764 1.074.124.127 4.278.057.145 Right-of-use assets
Jumlah 28.091.613.007 4.949.435.715 1.247.852.694 31.793.196.028 Total
Nilai buku bersih 126.816.505.056 125.865.129.050 Net book value
31 Desember/ December 31, 2023
Saldo awal/ Saldo akhir/
Beginning Penambahan/ Pengurangan/ Ending
balance Additions Disposals balance
Biaya perolehan Cost
Model revaluasi: At revaluation model:
Tanah 87.302.045.554 - - 87.302.045.554 Land
Bangunan 38.498.261.194 - - 38.498.261.194 Buildings
Model biaya: At cost model:
Perlengkapan dan 18.200.203.113 844.729.535 253.356.580 18.791.576.068 Office furniture and
peralatan kantor equipment
Kendaraan bermotor 3.670.941.375 1.695.522.523 1.334.919.375 4.031.544.523 Vehicles
Aset hak-guna 5.240.246.281 1.044.444.443 - 6.284.690.724 Right-of-use assets
Jumlah 152.911.697.517 3.584.696.501 1.588.275.955 154.908.118.063 Total
Akumulasi Accumulated
penyusutan depreciation
Model revaluasi: At revaluation model:
Bangunan 2.867.658.802 1.912.153.343 - 4.779.812.145 Building
Model biaya: At cost model:
Perlengkapan dan 16.953.043.530 731.227.956 252.940.585 17.431.330.901 Office furniture and
peralatan kantor equipment
Kendaraan bermotor 3.068.141.257 492.067.564 1.334.919.368 2.225.289.453 Vehicles
Aset hak-guna 2.236.012.105 1.419.168.403 - 3.655.180.508 Right-of-use assets
Jumlah 25.124.855.694 4.554.617.266 1.587.859.953 28.091.613.007 Total
Nilai buku bersih 127.786.841.823 126.816.505.056 Net book value
- 58 -
Page 229
PT BANK OF INDIA INDONESIA TBK PT BANK OF INDIA INDONESIA TBK
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
UNTUK TAHUN YANG BERAKHIR FOR THE YEAR ENDED
PADA 31 DESEMBER 2024 DECEMBER 31, 2024
(Disajikan dalam Rupiah, kecuali dinyatakan lain) (Expressed in Rupiah, unless otherwise stated)
13. ASET TETAP (lanjutan) 13. PROPERTY, PLANT AND EQUIPMENT (continued)
Beban penyusutan dialokasikan ke: Depreciation expenses are allocated to:
2024 2023
Beban umum dan administrasi 3.998.874.542 4.555.033.268 General and administrative expenses
(Catatan 30) (Note 30)
Jumlah 3.998.874.542 4.555.033.268 Total
Pada tanggal 31 Desember 2021, tanah dan bangunan dicatat On December 31, 2021, the land and buildings were
berdasarkan nilai revaluasi yang telah direviu oleh recorded based on the revaluation value that had been
manajemen dan didukung oleh laporan penilai independen reviewed by the management and supported by the report
eksternal, KJPP Benedictus Darmapuspita & Rekan, of an external independent appraiser, KJPP Benedictus
berdasarkan laporan No. 00120/2.0103- Darmapuspita & Partners, based on report
00/PI/07/0121/1/III/2022 tanggal 18 Maret 2022. No. 00120/2.0103-00/PI/07/0121/1/III/2022 dated March
Pendekatan penilaian yang digunakan adalah pendekatan 18, 2022. The valuation approach used is the market,
pasar, pendapatan, dan biaya. income, and cost approach.
Selisih antara nilai wajar hak atas tanah dan bangunan The difference between the fair value of land and building
dengan nilai buku sebelum revaluasi pada tanggal rights and the book value before the revaluation on the date
31 Desember 2021 adalah sebagai berikut: of December 31, 2021 is as follows:
31 Desember/ December 31, 2021
Nilai buku sebelum
revaluasi/ Book
value before Nilai Wajar/ Surplus Revaluasi/
Aset Tetap revaluation Fair value Surplus revaluation Fixed assets
Hak atas tanah 83.158.327.535 87.302.045.554 4.143.718.019 Land rights
Bangunan 34.486.752.621 38.343.853.194 3.857.100.573 Buildings
Jumlah 117.645.080.156 125.645.898.748 8.000.818.592 Total
Jika hak atas tanah dan bangunan dicatat sebesar biaya If the land rights and buildings are recorded at cost, book
perolehan, nilai buku atas hak atas tanah dan bangunan pada value of land rights landrights and buildings as of
tanggal 31 Desember 2024 adalah sebagai berikut: December 31, 2024 are as follows:
2024
Hak atas tanah 5.046.115.250 Land rights
Bangunan 24.129.750.756 Building
Jumlah 29.175.866.006 Total
Jika model biaya masih digunakan, jumlah tercatat tanah If the cost model is still used, the carrying amounts of the
dan bangunan adalah sebagai berikut: revalued land and buildings would be:
31 Desember/ 31 Desember/
December 31, December 31,
2024 2023
Nilai perolehan Acquisition cost
Tanah 5.046.115.250 5.046.115.250 Land
Bangunan 24.129.750.756 24.129.750.756 Building
Jumlah 29.175.866.006 29.175.866.006 Total
Akumulasi penyusutan (16.001.668.242) (17.049.616.421) Accumulated depreciation
– bangunan - building
Nilai buku bersih 13.174.197.764 12.126.249.585 Net book value
- 59 -
Page 230
PT BANK OF INDIA INDONESIA TBK PT BANK OF INDIA INDONESIA TBK
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
UNTUK TAHUN YANG BERAKHIR FOR THE YEAR ENDED
PADA 31 DESEMBER 2024 DECEMBER 31, 2024
(Disajikan dalam Rupiah, kecuali dinyatakan lain) (Expressed in Rupiah, unless otherwise stated)
13. ASET TETAP (lanjutan) 13. PROPERTY, PLANT AND EQUIPMENT (continued)
Bank telah melakukan revaluasi pada tahun 2021. The bank has conducted a revaluation in 2021. The
Manajemen memutuskan untuk melakukan revaluasi management decided to conduct a re-evaluation in 2025.
kembali pada tahun 2025.
Aset tetap kecuali tanah diasuransikan terhadap risiko roperty, plant and equipment except for land are covered
kebakaran dan risiko kerugian lainnya kepada by insurance against losses by fire and other risks with
PT Asuransi Central Asia dengan nilai pertanggungan PT Asuransi Central Asia with insurance coverage of
sebesar Rp53.394.845.978 dan Rp53.065.195.978 masing- Rp53,394,845,978 and Rp53,065,195,978 as of December
masing pada tanggal 31 Desember 2024 dan 2023. 31, 2024 and 2023, respectively.
Manajemen telah mengkaji ulang estimasi umur ekonomis, Management has undertaken a review of the estimated
nilai residu dan metode penyusutan aset tetap dan useful lives, residual values and depreciation method of
menyimpulkan bahwa tidak ada perubahan metode dan fixed assets and concluded that there was no change in the
asumsi pada tanggal 31 Desember 2024. methods and assumptions as of December 31, 2024.
Tidak terdapat aset tetap yang dijaminkan oleh Bank pada There are no fixed assets pledged by the Bank as of
tanggal 31 Desember 2024 dan 2023. December 31, 2024 and 2023.
Jumlah tercatat aset tetap yang telah disusutkan penuh dan The carrying amount of fully depreciated fixed assets that
masih digunakan adalah sebesar Rp17.860.500.167 dan are still in use amounted to Rp17,860,500,167 and
Rp18.817.012.468 masing-masing pada tanggal Rp18,817,012,468 as of December 31, 2024 and 2023,
31 Desember 2024 dan 2023. respectively.
Berdasarkan penelaahan manajemen Bank, tidak terdapat Based on the assessment made by the management of the
kejadian-kejadian atau perubahan-perubahan keadaan yang Bank, there was no events or changes in circumstances
mengindikasikan adanya penurunan nilai aset tetap pada which indicates an impairment in the value of fixed assets
tanggal 31 Desember 2024 dan 2023. as of December 31, 2024 and 2023.
Bank menyewa beberapa aset termasuk gedung kantor dan The Bank had leased a number of assets which include
kendaraan. Rata-rata masa sewa adalah 3 tahun. office building and vehicles. The average lease term is
3 years.
Aset hak-guna pada tanggal 31 Desember 2024 dan 2023 Right-of-use assets as of December 31, 2024 and 2023 are
adalah sebagai berikut: as follows:
31 Desember/ December 31, 2024
Saldo awal/
Beginning Penambahan/ Pengurangan/ Saldo akhir/
Balance Additions Disposals Ending balance
Biaya perolehan Cost
Bangunan 5.210.566.597 350.000.000 - 5.560.566.597 Buildings
Kendaraan bermotor 1.074.124.127 1.658.790.999 1.074.124.127 1.658.790.999 Vehicles
Jumlah 6.284.690.724 2.008.790.999 1.074.124.127 7.219.357.596 Total
Akumulasi Accumulated
penyusutan depreciation
Bangunan 2.689.126.077 1.136.257.497 - 3.825.383.574 Buildings
Kendaraan bermotor 966.054.431 560.743.267 1.074.124.127 452.673.571 Vehicles
Jumlah 3.655.180.508 1.697.000.764 1.074.124.127 4.278.057.145 Total
Nilai buku bersih 2.629.510.216 2.941.300.451 Net book value
- 60 -
Page 231
PT BANK OF INDIA INDONESIA TBK PT BANK OF INDIA INDONESIA TBK
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
UNTUK TAHUN YANG BERAKHIR FOR THE YEAR ENDED
PADA 31 DESEMBER 2024 DECEMBER 31, 2024
(Disajikan dalam Rupiah, kecuali dinyatakan lain) (Expressed in Rupiah, unless otherwise stated)
13. ASET TETAP (lanjutan) 13. PROPERTY, PLANT AND EQUIPMENT (continued)
Aset hak-guna pada tanggal 31 Desember 2024 dan 2023 Right-of-use assets as of December 31, 2024 and 2023 are
adalah sebagai berikut: (lanjutan) as follows: (continued)
31 Desember/ December 31, 2023
Saldo awal/
Beginning Penambahan/ Pengurangan/ Saldo akhir/
Balance Additions Disposals Ending balance
Biaya perolehan Cost
Bangunan 4.166.122.154 1.044.444.443 - 5.210.566.597 Buildings
Kendaraan bermotor 1.074.124.127 - - 1.074.124.127 Vehicles
Jumlah 5.240.246.281 1.044.444.443 - 6.284.690.724 Total
Akumulasi Accumulated
penyusutan depreciation
Bangunan 1.563.285.219 1.125.840.858 - 2.689.126.077 Buildings
Kendaraan bermotor 672.726.886 293.327.545 - 966.054.431 Vehicles
Jumlah 2.236.012.105 1.419.168.403 - 3.655.180.508 Total
Nilai buku bersih 3.004.234.176 2.629.510.216 Net book value
14. ASET TAKBERWUJUD 14. INTANGIBLE ASSETS
31 Desember/ December 31, 2024
Saldo awal/ Saldo akhir/
Beginning Penambahan/ Pengurangan/ Ending
balance Additions Disposal balance
Harga perolehan Acquisition cost
Perangkat lunak 23.122.896.101 4.560.000.000 - 27.682.896.101 Software
Akumulasi Accumulated
amortisasi amortization
Perangkat lunak 18.401.257.976 3.800.818.812 - 22.202.076.788 Software
Jumlah – bersih 4.721.638.125 5.480.819.313 Total - net
31 Desember/ December 31, 2023
Saldo awal/ Saldo akhir/
Beginning Penambahan/ Pengurangan/ Ending
balance Additions Disposal balance
Harga perolehan Acquisition cost
Perangkat lunak 20.246.413.101 2.876.483.000 - 23.122.896.101 Software
Akumulasi Accumulated
amortisasi amortization
Perangkat lunak 12.282.904.894 6.118.353.082 - 18.401.257.976 Software
Jumlah – bersih 7.963.508.207 4.721.638.125 Total - net
Beban amortisasi untuk tahun-tahun yang berakhir pada Amortisation expense for the years ended December 31,
tanggal 31 Desember 2024 dan 2023 adalah sebesar 2024 and 2023 amounted to Rp Rp3,800,818,812 and
Rp3.800.818.812 dan Rp6.118.353.082 yang dibebankan Rp6,118,353,082, respectively, charged to general and
dalam beban umum dan administrasi (Catatan 30). administrative expenses (Note 30).
- 61 -
Page 232
PT BANK OF INDIA INDONESIA TBK PT BANK OF INDIA INDONESIA TBK
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
UNTUK TAHUN YANG BERAKHIR FOR THE YEAR ENDED
PADA 31 DESEMBER 2024 DECEMBER 31, 2024
(Disajikan dalam Rupiah, kecuali dinyatakan lain) (Expressed in Rupiah, unless otherwise stated)
15. AGUNAN YANG DIAMBIL ALIH 15. FORECLOSED ASSETS
31 Desember/ 31 Desember/
December 31, December 31,
2024 2023
Agunan yang diambil alih 134.419.607.778 168.808.470.918 Foreclosed assets
Dikurangi: Cadangan kerugian (38.184.390.918) (39.934.390.918) Less: Allowance for impairment
penurunan nilai losses
Jumlah – bersih 96.235.216.860 128.874.080.000 Total – net
Agunan yang diambil alih merupakan jaminan kredit dalam Foreclosed assets represent collaterals on loan in the form
bentuk tanah dan bangunan yang telah diambil alih Bank. of land and buildings that have been foreclosed by the
Bank.
Bank telah melakukan upaya penyelesaian atas agunan yang The Bank has taken actions for the resolution of foreclosed
diambil alih untuk memenuhi Peraturan Bank Indonesia asset as required by Bank Indonesia under regulation
No. 14/15/PBI/2012 Bab IV tanggal 24 Oktober 2012 dan No. 14/15/PBI/2012 Chapter IV dated October 24, 2012
POJK 40/POJK.03/2019 tentang Penilaian Kualitas Aset and POJK 40/POJK.03/2019 concerning Asset Quality
Bank Umum yang berlaku 1 Januari 2020. Assessment for Commercial Banks which is effective on
January 1, 2020.
Mutasi cadangan kerugian penurunan nilai pada tanggal The changes in the allowance for impairment losses as of
31 Desember 2024 dan 2023 adalah sebagai berikut: December 31, 2024 and 2023, are as follows:
2024 2023
Saldo awal tahun 39.934.390.918 37.334.390.918 Balance at beginning of year
Penambahan cadangan selama tahun 17.000.000.000 2.600.000.000 Additional allowance during the year
berjalan (Catatan 28) (Note 28)
Penjualan agunan yang diambil alih (18.750.000.000) - Sell of foreclosed collateral
Saldo akhir tahun 38.184.390.918 39.934.390.918 Balance at end of year
16. ASET LAIN-LAIN 16. OTHER ASSETS
31 Desember/ 31 Desember/
December 31, December 31,
2024 2023
Pendapatan bunga yang masih harus 21.565.060.243 16.426.921.636 Accrued interest receivables
diterima
Biaya dibayar dimuka 13.225.446.025 2.817.254.779 Prepaid expenses
Beban yang ditangguhkan 242.756.936 297.851.936 Deferred expenses
Lainnya 4.441.043.683 3.892.222.671 Others
Jumlah 39.474.306.887 23.434.251.022 Total
17. LIABILITAS SEGERA 17. OBLIGATIONS DUE IMMEDIATELY
31 Desember/ 31 Desember/
December 31, December 31,
2024 2023
Rupiah Rupiah
Biaya yang masih harus dibayar 606.061.182 627.236.880 Accrued expenses
Bunga yang masih harus dibayar 98.399.334 99.338.219 Accrued interest
Kiriman uang 228.352 228.352 Fund transfers
Sub jumlah 704.688.868 726.803.451 Sub total
Mata uang asing Foreign currencies
Kiriman uang 13.470.344 131.172.331 Fund transfers
Bunga yang masih harus dibayar - 355.681.940 Accrued interest
Biaya yang masih harus dibayar - 83.882.240 Accrued expenses
Sub jumlah 13.470.344 570.736.511 Sub total
Jumlah 718.159.212 1.297.539.962 Total
- 62 -
Page 233
PT BANK OF INDIA INDONESIA TBK PT BANK OF INDIA INDONESIA TBK
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
UNTUK TAHUN YANG BERAKHIR FOR THE YEAR ENDED
PADA 31 DESEMBER 2024 DECEMBER 31, 2024
(Disajikan dalam Rupiah, kecuali dinyatakan lain) (Expressed in Rupiah, unless otherwise stated)
18. SIMPANAN DARI NASABAH 18. DEPOSITS FROM CUSTOMERS
31 Desember/ December 31, 2024
Pihak berelasi/ Pihak ketiga/ Jumlah/
Related parties Third parties Total
Rupiah Rupiah
Giro - 383.906.724.886 383.906.724.886 Current accounts
Tabungan 975.540.146 95.484.586.609 96.460.126.755 Savings accounts
Deposito berjangka 4.801.653.556 1.889.601.113.181 1.894.402.766.737 Time deposits
Sub jumlah 5.777.193.702 2.368.992.424.676 2.374.769.618.378 Sub total
Dollar Amerika Serikat United States Dollar
Giro 235.601.347 97.314.024.692 97.549.626.039 Current accounts
Deposito berjangka - 630.386.681.140 630.386.681.140 Time deposits
Sub jumlah 235.601.347 727.700.705.832 727.936.307.179 Sub total
Jumlah 6.012.795.049 3.096.693.130.508 3.102.705.925.557 Total
31 Desember/ December 31, 2023
Pihak berelasi/ Pihak ketiga/ Jumlah/
Related parties Third parties Total
Rupiah Rupiah
Giro - 240.733.597.292 240.733.597.292 Current accounts
Tabungan 1.086.022.997 172.856.906.613 173.942.929.610 Savings accounts
Deposito berjangka 1.601.774.044 1.571.072.589.841 1.572.674.363.885 Time deposits
Sub jumlah 2.687.797.041 1.984.663.093.746 1.987.350.890.787 Sub total
Dollar Amerika Serikat United States Dollar
Giro 161.884.366 108.512.324.467 108.674.208.833 Current accounts
Deposito berjangka - 604.777.005.432 604.777.005.432 Time deposits
Sub jumlah 161.884.366 713.289.329.899 713.451.214.265 Sub total
Jumlah 2.849.681.407 2.697.952.423.645 2.700.802.105.052 Total
Pada tanggal 31 Desember 2024 dan 2023, Bank adalah As of December 31, 2024 and 2023, the Bank is a
peserta dari program penjaminan Lembaga Penjamin participant of the insurance program of Deposit Insurance
Simpanan (Catatan 36). Corporation (Note 36).
a. Giro dan Tabungan a. Current Accounts and Savings Accounts
2024 2023
Tingkat bunga efektif rata-rata Average annual effective interest
per tahun: rates:
Giro Current accounts
Rupiah 0,25% 0,25% Rupiah
Dollar Amerika Serikat 0,25% 0,25% United States Dollar
Tabungan Savings accounts
Rupiah 1,49% 1,49% Rupiah
Pada tanggal 31 Desember 2024 dan 2023, tidak ada As of December 31, 2024 and 2023, there were no
giro dan tabungan yang diblokir dan dijadikan jaminan current account and savings account which were
kredit. blocked nor pledged as loan.
- 63 -
Page 234
PT BANK OF INDIA INDONESIA TBK PT BANK OF INDIA INDONESIA TBK
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
UNTUK TAHUN YANG BERAKHIR FOR THE YEAR ENDED
PADA 31 DESEMBER 2024 DECEMBER 31, 2024
(Disajikan dalam Rupiah, kecuali dinyatakan lain) (Expressed in Rupiah, unless otherwise stated)
18. SIMPANAN DARI NASABAH (lanjutan) 18. DEPOSITS FROM CUSTOMERS (continued)
b. Deposito Berjangka b. Time Deposits
2024 2023
Tingkat bunga efektif rata-rata Average annual effective interest rates:
per tahun:
Rupiah 4,64% 4,03% Rupiah
Dollar Amerika Serikat 3,96% 3,55% United States Dollar
Klasifikasi deposito berjangka berdasarkan jangka The classification of time deposits based on maturity
waktu dan sisa umur sampai dengan saat jatuh tempo dates and remaining period to maturity dates are as
adalah sebagai berikut: follows:
Deposito berjangka berdasarkan jangka waktu: Time deposits by time period:
31 Desember/ December 31, 2024
Pihak berelasi/ Related parties Pihak ketiga/ Third parties
Dollar Amerika Dollar Amerika
Serikat/ Serikat/
Rupiah/ United States Rupiah/ United States Jumlah/
Rupiah Dollar Rupiah Dollar Total
1 bulan 4.791.653.556 - 608.358.150.707 42.049.688.037 655.199.492.300 1 month
> 1 bulan 10.000.000 - 1.281.242.962.474 588.336.993.103 1.869.589.955.577 > 1 month
Jumlah 4.801.653.556 - 1.889.601.113.181 630.386.681.140 2.524.789.447.877 Total
31 Desember/ December 31, 2023
Pihak berelasi/ Related parties Pihak ketiga/ Third parties
Dollar Amerika Dollar Amerika
Serikat/ Serikat/
Rupiah/ United States Rupiah/ United States Jumlah/
Rupiah Dollar Rupiah Dollar Total
1 bulan 1.084.774.044 - 512.417.117.221 115.329.992.890 628.831.884.155 1 month
> 1 bulan 517.000.000 - 1.058.655.472.620 489.447.012.542 1.548.619.485.162 > 1 month
Jumlah 1.601.774.044 - 1.571.072.589.841 604.777.005.432 2.177.451.369.317 Total
Deposito berjangka berdasarkan sisa umur sampai Time deposits by remaining periods to maturity dates:
dengan saat jatuh tempo:
31 Desember/ December 31, 2024
Pihak berelasi/ Related parties Pihak ketiga/ Third parties
Dollar Amerika Dollar Amerika
Serikat/ Serikat/
Rupiah/ United States Rupiah/ United States Jumlah/
Rupiah Dollar Rupiah Dollar Total
1 bulan 4.791.653.556 - 878.237.852.893 208.441.519.074 1.091.471.025.523 1 month
> 1 bulan 10.000.000 - 1.011.363.260.288 421.945.162.066 1.433.318.422.354 > 1 month
0
Jumlah 4.801.653.556 - 1.889.601.113.181 630.386.681.140 2.524.789.447.877 Total
31 Desember/ December 31, 2023
Pihak berelasi/ Related parties Pihak ketiga/ Third parties
Dollar Amerika Dollar Amerika
Serikat/ Serikat/
Rupiah/ United States Rupiah/ United States Jumlah/
Rupiah Dollar Rupiah Dollar Total
1 bulan 1.084.774.044 - 512.417.117.221 115.329.992.890 628.831.884.155 1 month
> 1 bulan 517.000.000 - 1.058.655.472.620 489.447.012.542 1.548.619.485.162 > 1 month
Jumlah 1.601.774.044 - 1.571.072.589.841 604.777.005.432 2.177.451.369.317 Total
- 64 -
Page 235
PT BANK OF INDIA INDONESIA TBK PT BANK OF INDIA INDONESIA TBK
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
UNTUK TAHUN YANG BERAKHIR FOR THE YEAR ENDED
PADA 31 DESEMBER 2024 DECEMBER 31, 2024
(Disajikan dalam Rupiah, kecuali dinyatakan lain) (Expressed in Rupiah, unless otherwise stated)
18. SIMPANAN DARI NASABAH (lanjutan) 18. DEPOSITS FROM CUSTOMERS (continued)
b. Deposito Berjangka (lanjutan) b. Time Deposits (continued)
Deposito berjangka yang diblokir dan dijadikan Time deposits which are blocked and pledged as loan
jaminan pinjaman dan hal lain sebesar collateral and others amounted to Rp395,779,608,077
Rp395.779.608.077 dan USD1.954.429 pada and USD1,954,429 as of December 31, 2024 and
tanggal 31 Desember 2024 dan Rp331.349.898.459 Rp331,349,898,459 and USD1,155,075 as of December
dan USD1.155.075 pada tanggal 31 Desember 2023. 31, 2023.
19. SIMPANAN DARI BANK LAIN 19. DEPOSITS FROM OTHER BANKS
Simpanan dari bank lain berdasarkan jenis dan mata uangg Deposits from other banks by type and currency consist of:
terdiri dari:
31 Desember/ 31 Desember/
December 31, December 31,
2024 2023
Pihak berelasi Related parties
Rupiah Rupiah
Giro 61.585.611 43.747.469 Current accounts
Dollar Amerika Serikat United States Dollar
Interbank Call Money 209.235.000.000 - Interbank Call Money
Jumlah 209.296.585.611 43.747.469 Total
Pihak ketiga Third parties
Rupiah Rupiah
Deposito berjangka - - Time deposits
Jumlah 209.296.585.611 43.747.469 Total
Tingkat bunga efektif rata-rata Average annual effective interest rates:
per tahun:
Rupiah Rupiah
Giro 0,25% - Current accounts
Dollar Amerika Serikat United States Dollar
Interbank Call Money 5,11% 4,84% Interbank Call Money
Pada 31 Desember 2024 dan 2023, tidak terdapat simpanann As of December 31, 2024 and 2023, there were no deposits
dari bank lain yang dijadikan jaminan atas kredit yangg from other banks that were pledged as loan collateral.
diberikan.
20. PERPAJAKAN 20. TAXATION
a. Utang Pajak a. Taxes Payable
31 Desember/ 31 Desember/
December 31, December 31,
2024 2023
Pajak Penghasilan Income Taxes
Pasal 4(2) 2.082.631.133 1.746.736.286 Article 4(2)
Pasal 21 171.476.767 450.595.974 Article 21
Pasal 23/26 28.555.489 82.750.500 Article 23/26
Pasal 29 44.672 5.820.854.786 Article 29
Lainnya 8.723.660 4.643.296 Others
Jumlah 2.291.431.721 8.105.580.842 Total
- 65 -
Page 236
PT BANK OF INDIA INDONESIA TBK PT BANK OF INDIA INDONESIA TBK
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
UNTUK TAHUN YANG BERAKHIR FOR THE YEAR ENDED
PADA 31 DESEMBER 2024 DECEMBER 31, 2024
(Disajikan dalam Rupiah, kecuali dinyatakan lain) (Expressed in Rupiah, unless otherwise stated)
20. PERPAJAKAN (lanjutan) 20. TAXATION (continued)
b. Pajak Kini b. Current Tax
Rekonsiliasi antara (rugi) laba sebelum beban pajak The reconciliation between (loss) income before income
penghasilan seperti yang disajikan dalam laporan laba tax expense, as shown in the statement of profit and loss
rugi dan penghasilan komprehensif lain dan taksiran and other comprehensive income and estimated fiscal
rugi fiskal untuk tahun-tahun yang berakhir pada loss for the years ended December 31, 2024 and 2023
tanggal 31 Desember 2024 dan 2023 adalah sebagai are as follows:
berikut:
2024 2023
Laba sebelum pajak penghasilan 101.315.437.049 58.802.456.434 Income before income tax per statements
menurut laporan laba rugi dan of profit or loss and other
penghasilan komprehensif lain comprehensive income
Perbedaan temporer Temporary differences
Penyisihan imbalan kerja 115.212.453 2.581.605.658 Provision for employee benefits
karyawan
Cadangan kerugian penurunan (12.052.907.248) (1.017.515.403) Allowance for impairment losses on
nilai aset keuangan dan non- financial and non-financial assets
keuangan
Jumlah (11.937.694.795) 1.564.090.255 Total
Perbedaan tetap Permanent differences
Biaya-biaya yang tidak dapat 1.232.288.799 5.307.482.286 Non-deductible expenses
dikurangkan
Taksiran rugi fiskal tahun berjalan 90.610.031.053 65.674.028.975 Estimated fiscal loss for the year
Taksiran akumulasi rugi fiskal - (39.215.598.131) Estimated accumulated fiscal losses carry
tahun sebelumnya forward from previous years
Jumlah laba fiskal 90.610.031.053 26.458.430.844 Total fiscal profit
Beban pajak penghasilan kini 19.934.206.832 5.820.854.786 Current income tax expenses
Dikurangi kredit pajak Less: tax credit
PPh pasal 25 (19.934.162.160) - Income tax article 25
Utang pajak penghasilan 44.672 5.820.854.786 Corporate income tax
(Catatan 20a) payable (Note 20a)
c. Rekonsiliasi Beban Pajak c. Reconciliation of Tax Expense
Rekonsiliasi antara beban pajak dengan (rugi) laba Reconciliation between tax expense with (loss) income
sebelum pajak penghasilan dengan tarif pajak yang before income tax using enacted tax rate are as follows:
berlaku adalah sebagai berikut:
2024 2023
Laba sebelum pajak penghasilan 101.315.437.049 58.802.456.434 Income before income tax
Pajak penghasilan pada tarif 22.289.396.151 12.936.540.415 Income tax at enacted tax rate
pajak yang berlaku
Efek pajak dari: Tax effects of:
Biaya-biaya yang tidak dapat 271.103.536 1.167.646.103 Non-deductible expenses
dikurangkan
Penyesuaian - 4.494.310.081 Adjustment
Rugi fiskal yang tidak dapat - (8.627.431.589) Expired fiscal loss
dimanfaatkan
Beban pajak 22.560.499.687 9.971.065.010 Tax expense
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Page 237
PT BANK OF INDIA INDONESIA TBK PT BANK OF INDIA INDONESIA TBK
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
UNTUK TAHUN YANG BERAKHIR FOR THE YEAR ENDED
PADA 31 DESEMBER 2024 DECEMBER 31, 2024
(Disajikan dalam Rupiah, kecuali dinyatakan lain) (Expressed in Rupiah, unless otherwise stated)
20. PERPAJAKAN (lanjutan) 20. TAXATION (continued)
c. Rekonsiliasi Beban Pajak (lanjutan) c. Reconciliation of Tax Expense (continued)
Pada tanggal 31 Maret 2020, Pemerintah mengeluarkan On March 31, 2020, the Indonesian Government issued
Peraturan Pemerintah Pengganti Undang-Undang a Government Regulation in Lieu of Law No. 1 Year
Nomor 1 Tahun 2020 (“Perpu No.1 2020”) tentang 2020 (“Perpu No.1 2020”) related to the Government’s
kebijakan keuangan negara dan stabilitas sistem financial policy and financial system stability to cope
keuangan untuk menangani pandemi Coronavirus with the Coronavirus disease ("COVID-19") pandemic.
disease 2019 ("COVID-19"). Melalui peraturan ini, Through this regulation, the Government issued some
Pemerintah mengeluarkan beberapa kebijakan baru new policies which, among others, related to the change
dan salah satunya terkait dengan penyesuaian tarif in the corporate income tax rate for domestic taxpayers
pajak penghasilan wajib pajak badan dalam negeri dan and permanent establishments as follows:
bentuk usaha tetap sebagai berikut:
- Tarif pajak penghasilan sebesar 22% yang berlaku - Corporate income tax rate of 22% effective for fiscal
pada tahun pajak 2020 dan 2021, dan year 2020 and 2021 fiscal years, and
- Tarif pajak penghasilan sebesar 20% yang mulai - Corporate income tax rate of 20% effective for fiscal
berlaku pada tahun pajak 2022 dan selanjutnya. year 2022 fiscal year onwards.
Pada tanggal 7 Oktober 2021, Pemerintah dan Dewan On October 7, 2021, the Government and the House of
Perwakilan Rakyat mengesahkan Undang-Undang Representatives ratified the Law of Harmonization of Tax
Harmonisasi Peraturan Perpajakan No. 7 (UU No. 7 Regulations No. 7 (UU No. 7 Tahun 2021). In this law
Tahun 2021). Dalam undang-undang ini terdapat there is a change in the domestic corporate income tax
perubahan tarif pajak penghasilan badan dalam negeri rate and permanent establishment from 20% to 22%
dan bentuk usaha tetap dari semula 20% menjadi 22% which will take effect in the fiscal year 2022 and
yang mulai berlaku pada tahun pajak 2022 dan thereafter.
selanjutnya.
Aset dan liabilitas pajak tangguhan pada tanggal Deferred tax assets and liabilities as of December 31,
31 Desember 2024 telah dihitung dengan 2024 have been calculated taking into account tax rates
memperhitungkan tarif pajak yang diharapkan berlaku expected to be prevailing at the time they are to
pada saat realisasi. be realised.
d. Aset Pajak Tangguhan – Bersih d. Deferred Tax Assets – Net
2024
Dikreditkan (dibebankan)/
Credited (charge) to
Penghasilan
Komprehensif
lain/
Saldo awal/ Other
Beginning Laba rugi/ Comprehensive Saldo akhir/
Balance Profit or loss Income Ending balance
Aset (liabilitas) pajak Deferred tax assets
tangguhan (liabilities)
Cadangan kerugian 27.495.734.623 (2.651.639.595) - 24.844.095.028 Allowance for
penurunan nilai impairment losses
Liabilitas imbalan 4.155.112.140 25.346.740 (18.957.530) 4.161.501.350 Post-employment
pascakerja benefits liabilities
Revaluasi aset tetap (8.324.574.975) - - (8.324.574.975) Revaluation of fixed
assets
Jumlah - bersih 23.326.271.788 (2.626.292.855) (18.957.530) 20.681.021.403 Total – net
- 67 -
Page 238
PT BANK OF INDIA INDONESIA TBK PT BANK OF INDIA INDONESIA TBK
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
UNTUK TAHUN YANG BERAKHIR FOR THE YEAR ENDED
PADA 31 DESEMBER 2024 DECEMBER 31, 2024
(Disajikan dalam Rupiah, kecuali dinyatakan lain) (Expressed in Rupiah, unless otherwise stated)
20. PERPAJAKAN (lanjutan) 20. TAXATION (continued)
d. Aset Pajak Tangguhan – Bersih (lanjutan) d. Deferred Tax Assets – Net (continued)
2023
Dikreditkan (dibebankan)/
Credited (charge) to
Penghasilan
Komprehensif
lain/
Saldo awal/ Other
Beginning Laba rugi/ Comprehensive Penyesuaian/ Saldo akhir/
Balance Profit or loss Income Adjustment Ending balance
Aset (liabilitas) Deferred tax assets
pajak tangguhan (liabilities)
Cadangan kerugian 32.213.898.092 (223.853.388) - (4.494.310.081) 27.495.734.623 Allowance for
penurunan nilai impairment losses
Liabilitas imbalan 3.835.955.550 567.953.245 (248.796.655) - 4.155.112.140 Post-employment
pascakerja benefits liabilities
Revaluasi aset tetap (8.324.574.975) - - - (8.324.574.975) Revaluation of fixed
Assets
Jumlah - bersih 27.725.278.667 344.099.857 (248.796.655) (4.494.310.081) 23.326.271.788 Total – net
Sesuai dengan ketentuan peralihan dalam Peraturan Based on the transitional provisions in the Regulation of
Menteri Keuangan Republik Indonesia Nomor 74 the Minister of Finance of the Republic of Indonesia
Tahun 2024, Bank telah melaksanakan perhitungan Number 74 of 2024, the Bank has calculated the carrying
nilai tercatat cadangan piutang tak tertagih untuk awal value of the allowance for doubtful accounts for the
tahun fiskal 2024 dan selisih lebih sebesar beginning of the fiscal year 2024 and the excess of
Rp47.207.243.785 akan diakui sebagai biaya yang Rp47,207,243,785 will be recognized as an expense
dibebankan untuk tahun fiskal 2024 sebesar charged for the fiscal year 2024 of Rp6,370,000,000 and
Rp6.370.000.000 dan tahun fiskal 2025 sebesar the fiscal year 2025 of Rp40,837,243,785. In relation to
Rp40.837.243.785. Terkait dengan hal tersebut, aset this, the deferred tax assets that will be utilized by the
pajak tangguhan yang akan dimanfaatkan Bank pada Bank in the fiscal year 2024 amounting to
tahun fiskal 2024 sebesar Rp1.401.400.000 dan tahun Rp1,401,400,000 and the fiscal year 2025 amounting to
fiskal 2025 sebesar Rp8.984.193.633. Rp8,984,193,633.
Manajemen berpendapat bahwa aset pajak tangguhan Management believes that the deferred tax assets arising
yang timbul dari perbedaan temporer diperkirakan from temporary differences can be realised in future
dapat direalisasikan pada periode mendatang. Pada periods. As of December 31, 2024 and 2023, the
tanggal 31 Desember 2024 dan 2023, manajemen tidak management did not recognise deferred tax asset from
mengakui aset pajak tangguhan dari akumulasi rugi accumulated fiscal losses since the management believes
fiskal karena manajemen berkeyakinan bahwa rugi that these fiscal losses cannot be recovered through
fiskal tersebut tidak dapat terpulihkan kembali melalui sufficient future taxable income.
penghasilan kena pajak masa depan secara memadai.
e. Administrasi e. Administration
Sesuai dengan peraturan perpajakan di Indonesia, Bank Under the taxation laws in Indonesia, the Bank
melaporkan/menyetorkan pajak berdasarkan prinsip submit/pay tax returns on the basis of self-assessment.
self-assesment. Direktorat Jenderal Pajak dapat The Directorate General of Tax may assess or amend
menetapkan/mengubah pajak-pajak tersebut dalam taxes within the statute of limitations under the prevailing
jangka waktu tertentu sesuai peraturan yang berlaku. regulations.
21. LIABILITAS IMBALAN PASCAKERJA 21. POST-EMPLOYMENT BENEFITS LIABILITIES
Sejak Januari 2015, Bank menyelenggarakan program Since January 2015, the Bank has defined contribution
pensiun iuran pasti untuk seluruh karyawan tetapnya dan pension plan that cover all permanent employees and
dikelola serta diadministrasikan oleh PT Asuransi Jiwa managed by PT Asuransi Jiwa Manulife Indonesia which is
Manulife Indonesia yang merupakan pihak ketiga Bank. the Bank’s third party.
- 68 -
Page 239
PT BANK OF INDIA INDONESIA TBK PT BANK OF INDIA INDONESIA TBK
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
UNTUK TAHUN YANG BERAKHIR FOR THE YEAR ENDED
PADA 31 DESEMBER 2024 DECEMBER 31, 2024
(Disajikan dalam Rupiah, kecuali dinyatakan lain) (Expressed in Rupiah, unless otherwise stated)
21. LIABILITAS IMBALAN PASCAKERJA (lanjutan) POST-EMPLOYMENT BENEFITS LIABILITIES
(continued)
Bank membukukan imbalan kerja (termasuk dana pensiun) The Bank provides employee benefits (including pension
sesuai dengan perjanjian kesepakatan antara Bank dan fund) in accordance with agreements between the Bank
karyawan yang telah disesuaikan dengan Undang-Undang and employees which has complied with the Labor Law. The
Ketenagakerjaan. Liabilitas imbalan pascakerja karyawan post-employment benefits liabilities is calculated based on
dihitung berdasarkan perhitungan aktuaris yang dilakukan actuarial calculations made by Actuarial Consulting Office
oleh Kantor Konsultan Aktuaria Enny Diah Awal dan Enny Diah Awal and Actuarial Consulting Office Steven &
Kantor Konsultan Aktuaria Steven & Maurits, aktuaris Maurits, an independent actuary, for the years
independen, untuk tahun-tahun yang berakhir pada tanggal ended December 31, 2024 and 2023, in its reports dated
31 Desember 2024 dan 2023, dalam laporannya masing- January 16, 2025 and March 14, 2024, respectively.
masing pada tanggal 16 Januari 2025 dan 14 Maret 2024.
Jumlah beban yang diakui dalam laporan laba rugi dan Total expense recognised in the statements of profit or loss
penghasilan komprehensif lain adalah: and other comprehensive income are as follows:
2024 2023
Beban yang diakui pada laba rugi Expense recognised in profit or loss
Biaya jasa kini 2.299.495.529 2.269.853.923 Current service cost
Biaya jasa lalu (3.565.105.797) - Past service cost
Biaya bunga 1.678.738.402 1.773.949.265 Interest cost
Ekspektasi imbal hasil dari aset program (365.365.660) (331.303.644) Expected return on plan assets
Keuntungan/ kerugian 67.449.979 - Gain/ Loss
Jumlah 115.212.453 3.712.499.544 Total
Keuntungan yang diakui pada Gain recognised in other comprehensive
penghasilan komprehensif lain income
(Keuntungan) kerugian aktuarial yang Actuarial (gains) losses arising from:
timbul dari:
- asumsi keuangan (616.158.091) 213.785.142 - financial assumption
- asumsi pengalaman 572.740.049 (1.178.189.609) - experience assumption
Pengukuran kembali imbal hasil aset (42.752.547) (166.489.419) Remeasurement on return on plan
program assets
Jumlah (86.170.589) (1.130.893.886) Total
Mutasi liabilitas bersih yang diakui di dalam laporan posisi The changes in the net liability recognised in the statement
keuangan adalah sebagai berikut: of financial position are as follows:
2024 2023
Saldo awal 20.017.767.248 17.436.161.590 Beginning balance
Beban tahun berjalan 115.212.453 3.712.499.544 Expense during the year
Biaya yang diakui pada penghasilan (86.170.589) (1.130.893.886) Cost recognised in other comprehensive
komprehensif lain income
Saldo akhir 20.046.809.112 20.017.767.248 Ending balance
Rekonsiliasi saldo awal dan saldo akhir dari nilai wajar aset Reconciliation of the beginning balance and ending balance
program: of the fair value of plan assets:
2024 2023
Saldo awal 7.594.496.578 9.076.812.160 Beginning balance
Ekspektasi imbal hasil dari aset program 365.365.660 331.303.644 Expected return on plan assets
Pengukuran kembali liabilitas imbalan Remeasurement of defined benefit
pasti-bersih: liabilities-net:
Imbal hasil aset program 42.752.547 166.489.419 Return on plan assets
Imbalan yang dibayarkan (4.032.789.796) (1.980.108.645) Payments during the year
Saldo akhir 3.969.824.989 7.594.496.578 Ending balance
- 69 -
Page 240
PT BANK OF INDIA INDONESIA TBK PT BANK OF INDIA INDONESIA TBK
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
UNTUK TAHUN YANG BERAKHIR FOR THE YEAR ENDED
PADA 31 DESEMBER 2024 DECEMBER 31, 2024
(Disajikan dalam Rupiah, kecuali dinyatakan lain) (Expressed in Rupiah, unless otherwise stated)
21. LIABILITAS IMBALAN PASCAKERJA (lanjutan) 21. POST-EMPLOYMENT BENEFITS LIABILITIES
(continued)
Mutasi nilai kini liabilitas selama tahun berjalan adalah Movements in the present value of liabilities in the current
sebagai berikut: year were as follows:
2024 2023
Saldo awal 27.612.263.826 26.512.973.750 Beginning balance
Biaya jasa kini 2.299.495.529 2.269.853.923 Current service cost
Biaya bunga 1.678.738.402 1.769.843.534 Interest cost
Pembayaran selama tahun berjalan (3.965.339.817) (1.980.108.645) Payments during the year
Penyesuaian liabilitas atas masa kerja lalu (3.565.105.797) 4.105.731 Adjusment of past services liabilities
(Keuntungan) kerugian aktuarial yang Actuarial (gains) losses arising from:
timbul dari:
- asumsi keuangan (616.158.091) 213.785.142 - financial assumption
- asumsi pengalaman 572.740.049 (1.178.189.609) - experience assumption
Saldo akhir 24.016.634.101 27.612.263.826 Ending balances
Jumlah tercatat dalam laporan posisi keuangan pada tanggal The amounts included in the statements of financial position
31 Desember 2024 dan 2023 adalah sebagai berikut: as of December 31, 2024 and 2023 are as follows:
31 Desember/ 31 Desember/
December 31, December 31,
2024 2023
Present value of defined
Nilai kini kewajiban imbalan pasti 24.016.634.101 27.612.263.826 benefit obligation
Nilai wajar aset (jika didanai) (3.969.824.989) (7.594.496.578) Fair value assets (if funded)
Liabilitas imbalan pascakerja 20.046.809.112 20.017.767.248 Post-employment benefits liabilities –
bersih net
Program ini memberikan eksposur risiko aktuarial terhadap The program provides actuarial risk exposure to the Bank
Bank seperti risiko suku bunga dan gaji. such as interest rate risk and salary risk.
Risiko Suku Bunga Interest Rate Risk
Nilai kini kewajiban imbalan pasti dihitung dengan The present value of the defined benefit obligation is
menggunakan tingkat diskonto ditentukan dengan mengacu calculated using a discount rate determined by reference to
pada tingkat pengembalian pasar atas obligasi pemerintah. market yields of government bonds. Generally, a decrease
Umumnya, penurunan suku bunga dari obligasi pemerintah in the interest rate of a government bonds will increase the
akan meningkatkan kewajiban program. plans obligation.
Risiko Tingkat Kenaikan Gaji Salary Growth Rate Risk
Nilai kini kewajiban imbalan pasti dihitung dengan estimasi The present value of the defined benefit obligation is
tingkat kenaikan gaji, semakin tinggi tingkat kenaikan gaji calculated using the estimated of salary growth rate, higher
akan menyebabkan semakin besarnya kewajiban. salary growth rate will lead to higher obligation.
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Page 241
PT BANK OF INDIA INDONESIA TBK PT BANK OF INDIA INDONESIA TBK
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
UNTUK TAHUN YANG BERAKHIR FOR THE YEAR ENDED
PADA 31 DESEMBER 2024 DECEMBER 31, 2024
(Disajikan dalam Rupiah, kecuali dinyatakan lain) (Expressed in Rupiah, unless otherwise stated)
21. LIABILITAS IMBALAN PASCAKERJA (lanjutan) 21. POST-EMPLOYMENT BENEFITS LIABILITIES
(continued)
Risiko Tingkat Kenaikan Gaji (lanjutan) Salary Growth Rate Risk (continued)
Asumsi utama yang digunakan dalam menentukan penilaian The key assumptions used by the actuary as of December
aktuaria pada tanggal 31 Desember 2024 dan 2023 adalah 31, 2024 and 2023 were carried out using the following key
sebagai berikut: assumptions:
31 Desember/ 31 Desember/
December 31, December 31,
2024 2023
Tingkat diskonto 6,09% 6,55% Discount rate
Tingkat kenaikan gaji 5,00% 5,00% Salary increment rate
Tingkat kematian TMI 4 TMI 4 Mortality rate
Tingkat pengunduran diri 5% per tahun sampai usia 25 dan 5% per tahun sampai usia 25 Resignation rate
menurun secara linear ke 1% di dan menurun secara linear ke
usia 45 tahun dan setelahnya/ 1% di usia 45 tahun dan
5% p.a up to age 25 years old setelahnya/
and reducing linearly to 1% p.a 5% p.a up to age 25 years old
at age 45 years old and and reducing linearly to 1% p.a
thereafter at age 45 years old and
thereafter
Tingkat pensiun normal 100% 100% Normal retirement rate
Asumsi aktuarial yang signifikan untuk penentuan Significant actuarial assumptions for the determination of
kewajiban imbalan pasti adalah tingkat diskonto dan the defined obligation are discount rate and expected salary
kenaikan gaji yang diharapkan. Sensitivitas analisis di growth. The sensitivity analysis below has been determined
bawah ini ditentukan berdasarkan masing-masing perubahan based on reasonably possible changes of the respective
asumsi yang mungkin terjadi pada akhir periode pelaporan, assumptions occurring at the end with all other assumptions
dengan semua asumsi lain konstan. held constant.
Nilai kini
Kewajiban
imbalan pasti/
Suku bunga/ Present value of
Discount rate benefits obligation
Analisis Sensitivitas Sensitivity Analysis of
Tingkat Diskonto Discount Rate
Kenaikan suku bunga 1% 7,09% 22.960.607.514 Increase by 1% in the discount rate
Penurunan suku bunga 1% 5,09% 25.185.453.480 Decrease by 1% in the discount rate
Analisis Sensitivitas Sensitivity Analysis of
Kenaikan Gaji Salary Increase
Kenaikan suku bunga 1% 6% 25.198.113.778 Increase by 1% in the discount rate
Penurunan suku bunga 1% 4% 22.930.804.984 Decrease by 1% in the discount rate
Selanjutnya, dalam menyajikan analisis sensitivitas di atas, Furthermore, in presenting the above sensitivity analysis,
nilai kini kewajiban imbalan pasti dihitung dengan the present value of the defined benefit obligation has been
menggunakan metode projected unit credit pada akhir calculated using the projected unit credit method at the end
periode pelaporan, yang sama dengan yang diterapkan dalam of the reporting period, which is the same as that applied in
menghitung kewajiban manfaat pasti yang diakui dalam calculating defined benefit obligation recognised in the
laporan posisi keuangan. statement of financial position.
Rata-rata durasi kewajiban imbalan pasti pada tanggal The weighted average durations of the defined benefit
31 Desember 2024 dan 2023 masing-masing adalah 10 tahun obligation as of December 31, 2024 and 2023 are 10 years
dan 7 tahun. and 7 years, respectively.
- 71 -
Page 242
PT BANK OF INDIA INDONESIA TBK PT BANK OF INDIA INDONESIA TBK
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
UNTUK TAHUN YANG BERAKHIR FOR THE YEAR ENDED
PADA 31 DESEMBER 2024 DECEMBER 31, 2024
(Disajikan dalam Rupiah, kecuali dinyatakan lain) (Expressed in Rupiah, unless otherwise stated)
22. LIABILITAS LAIN-LAIN 22. OTHER LIABILITIES
31 Desember/ 31 Desember/
December 31, December 31,
2024 2023
Bunga yang masih harus dibayar 11.275.621.210 8.360.558.630 Accrued interest
Liabilitas sewa 1.260.412.259 134.043.249 Lease liabilities
Setoran jaminan 744.000.000 736.500.000 Security deposits
Lainnya 2.531.681.063 7.215.625.890 Others
Jumlah 15.811.714.532 16.446.727.769 Total
Bunga yang Masih Harus Dibayar Accrued Interest
Merupakan bunga yang masih harus dibayar atas simpanan Represents accrued interest on deposits from customers
dari nasabah dan simpanan dari bank lain. and deposits from other banks.
Liabilitas Sewa Lease Liabilities
Liabilitas sewa merupakan liabilitas Bank atas sewa Lease liabilities refer to the Bank's liability for leasing
bangunan dan kendaraan kantor pusat dan cabang. buildings and vehicles at the head office and branches.
Pembayaran sewa selama tahun 2024 dan 2023 masing- Rental payments during 2024 and 2023 amounted to
masing berjumlah Rp495.763.632 dan Rp637.571.088 yang Rp495,763,632 and Rp637,571,088, respectively, which
mengikutsertakan pembayaran bunga masing-masing includes payment to interest expense amounting to
sebesar Rp60.736.645 dan Rp22.715.433 Rp60,736,645 and Rp22,715,433, respectively.
Analisis jatuh tempo liabilitas lain-lain terkait sewa adalah The maturity analysis of other liabilities related to lease is
sebagai berikut: as follows:
31 Desember/ 31 Desember/
December 31, December 31,
2024 2023
1 Tahun 31.724.341 92.396.302 1 Year
2 Tahun 1.228.687.918 41.646.947 2 Years
Jumlah 1.260.412.259 134.043.249 Total
Setoran Jaminan Security Deposits
Merupakan setoran jaminan atas sewa safe deposit dan letter Represents security deposits of safe deposit rentals and
of credit. letter of credit.
Lainnya Others
Liabilitas lainnya terdiri dari titipan kliring dan lainnya. Others account consists of suspense account and others.
Estimasi nilai wajar dari liabilitas lain-lain yang merupakan The estimated fair value of other liabilities, which are non-
liabilitas tanpa suku bunga dan tanpa jangka waktu adalah interest bearing liabilities and with indefinite term,
jumlah yang harus dikembalikan saat ada permintaan. Pada is the amount that should be payable on demand. As of
tanggal 31 Desember 2024 dan 2023, nilai wajar dari December 31, 2024 and 2023, fair value of these financial
liabilitas ini adalah sebesar nilai tercatatnya (Catatan 37). liabilities is its carrying value (Note 37).
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Page 243
PT BANK OF INDIA INDONESIA TBK PT BANK OF INDIA INDONESIA TBK
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
UNTUK TAHUN YANG BERAKHIR FOR THE YEAR ENDED
PADA 31 DESEMBER 2024 DECEMBER 31, 2024
(Disajikan dalam Rupiah, kecuali dinyatakan lain) (Expressed in Rupiah, unless otherwise stated)
23. MODAL SAHAM 23. SHARE CAPITAL
Susunan pemegang saham Bank pada tanggal 31 Desember The compositions of the Bank’s shareholders as of
2024 dan 2023 adalah sebagai berikut: December 31, 2024 and 2023 are as follows:
31 Desember/ December 31, 2024
Persentase Modal ditempatkan
kepemilikan/ dan disetor penuh/
Jumlah saham/ Percentage Issued and fully
Number of shares of ownership paid capital
Pemegang Saham Shareholders
Bank of India 3.355.488.000 90,96% 671.097.600.000 Bank of India
PT Panca Mantra Jaya 184.037.991 4,99% 36.807.598.200 PT Panca Mantra Jaya
Deepak Rupo Chugani 61.954.784 1,68% 12.390.956.800 Deepak Rupo Chugani
Prakash Rupchand Chugani 20.736.723 0,56% 4.147.344.600 Prakash Rupchand Chugani
Dilip Rupo Chugani 20.560.023 0,56% 4.112.004.600 Dilip Rupo Chugani
Masyarakat Public
(masing-masing di bawah 5%) 46.089.324 1,25% 9.217.864.800 (below 5% each)
Jumlah 3.688.866.845 100% 737.773.369.000 Total
31 Desember/ December 31, 2023
Persentase Modal ditempatkan
kepemilikan/ dan disetor penuh/
Jumlah saham/ Percentage Issued and fully
Number of shares of ownership paid capital
Pemegang Saham Shareholders
Bank of India 3.355.488.000 90,96% 671.097.600.000 Bank of India
PT Panca Mantra Jaya 184.037.991 4,99% 36.807.598.200 PT Panca Mantra Jaya
Deepak Rupo Chugani 61.954.784 1,68% 12.390.956.800 Deepak Rupo Chugani
Prakash Rupchand Chugani 20.736.723 0,56% 4.147.344.600 Prakash Rupchand Chugani
Dilip Rupo Chugani 20.560.023 0,56% 4.112.004.600 Dilip Rupo Chugani
Masyarakat Public
(masing-masing di bawah 5%) 46.089.324 1,25% 9.217.864.800 (below 5% each)
Jumlah 3.688.866.845 100% 737.773.369.000 Total
Berdasarkan Rapat Umum Pemegang Saham Luar Biasa Based on The Extraordinary General Meeting of
(RUPSLB) yang didokumentasikan dalam akta Shareholders which is documented in deed no. 31 September
No. 31 tanggal 28 September 2022, di hadapan Winter 28, 2022, before Winter Sigiro, S.H., M.H., Notary in
Sigiro, S.H., M.H., Notaris di Jakarta, para pemegang saham Jakarta, the Bank's shareholders agreed on several matters
Bank menyetujui beberapa hal diantaranya; including;
a. Penambahan modal ditempatkan dan disetor penuh Bank a. by granting Preemptive Rights (HMETD) IV to issue a
dengan memberikan Hak Memesan Efek Terlebih maximum of 1,650,000,000 shares with a nominal value
Dahulu (HMETD) IV untuk mengeluarkan sebanyak- of Rp200 (full amount) per share, or a maximum of
banyaknya 1.650.000.000 lembar saham dengan nilai Rp330,000,000,000.
nominal Rp200 (nilai penuh) per saham, atau sebanyak-
banyaknya sebesar Rp330.000.000.000.
b. Bahwa berdasarkan laporan hasil Penawaran Umum b. Whereas based on the report on the results of the
Terbatas (PUT IV) dari PT Adimitra Jasa Korpora selaku Limited Public Offering (PUT IV) from PT Adimitra
Biro Administrasi Efek, jumlah seluruh saham yang Jasa Korpora as the Securities Administration Bureau,
telah diterbitkan baik saham dari hasil pelaksanaan PUT the total number of shares that have been issued, both
IV maupun yang berasal dari pesanan tambahan dalam shares resulting from the implementation of PUT IV and
PUT IV adalah sebanyak 1.000.061.478 saham. Dengan those originating from additional orders in PUT IV, is
demikian jumlah saham yang telah diterbitkan oleh Bank 1,000,061,478 shares. Thus the number of shares issued
sampai dengan berakhirnya PUT IV menjadi by the Bank until the end of PUT IV was 2,388,861,478
2.388.861.478 saham. shares.
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Page 244
PT BANK OF INDIA INDONESIA TBK PT BANK OF INDIA INDONESIA TBK
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
UNTUK TAHUN YANG BERAKHIR FOR THE YEAR ENDED
PADA 31 DESEMBER 2024 DECEMBER 31, 2024
(Disajikan dalam Rupiah, kecuali dinyatakan lain) (Expressed in Rupiah, unless otherwise stated)
23. MODAL SAHAM (lanjutan) 23. SHARE CAPITAL (continued)
Perubahan tersebut telah disetujui oleh Menteri Hukum The amendment has been approved by the Minister of
dan Hak Asasi Manusia dengan Surat Keputusan Law and Human Rights in a Decree
No. AHU 0194919.AH.01.11.TAHUN 2022 tanggal No. AHU 0194919.AH.01.11.TAHUN 2022 dated
30 September 2022. September 30, 2022.
Berdasarkan Rapat Umum Pemegang Saham Luar Biasa Based on The Extraordinary General Meeting of
(RUPSLB) yang didokumentasikan dalam Shareholders which is documented in deed No. 08 November
akta No. 08 Tanggal 15 November 2022, di hadapan 15, 2022, before Winter Sigiro, S.H., M.H., Notary in
Winter Sigiro SH., M.H., Notaris di Jakarta, para pemegang Jakarta, the Bank's shareholders agreed on several matters
saham Bank menyetujui beberapa hal diantaranya: including;
a. Penambahan Modal Dasar Perseroan yang semula a. The increase in the Company's Authorized Capital
sebesar 3.450.000.000 saham dengan nilai nominal which was originally 3,450,000,000 shares with a
sebesar Rp200 atau seluruhnya sebesar nominal value of Rp200 or a total of
Rp690.000.000.000 ditambah menjadi sebesar Rp690,000,000,000 was increased to 11,000,000,000
11.000.000.000 saham dengan nilai nominal sebesar shares with a nominal value of
Rp200 atau seluruhnya sebesar Rp2.200.000.000.000. Rp200 or a total of Rp2,200,000,000,000.
b. Penambahan modal ditempatkan dan disetor penuh Bank b. by granting Preemptive Rights (HMETD) V to issue a
dengan memberikan Hak Memesan Efek Terlebih maximum of 2,400,000,000 shares with a nominal
Dahulu (HMETD) V untuk mengeluarkan value of Rp200 (full amount) per share, or a maximum
sebanyak-banyaknya 2.400.000.000 lembar saham of Rp480,000,000,000.
dengan nilai nominal Rp200 (nilai penuh) per saham,
atau sebanyak-banyaknya sebesar Rp480.000.000.000.
c. Bahwa berdasarkan laporan hasil Penawaran Umum c. Whereas based on the report on the results of the
Terbatas (PUT V) dari PT Adimitra Jasa Korpora selaku Limited Public Offering (PUT V) from PT Adimitra
Biro Administrasi Efek, jumlah seluruh saham yang Jasa Korpora as the Securities Administration Bureau,
telah diterbitkan baik saham dari hasil pelaksanaan the total number of shares that have been issued, both
PUT V maupun yang berasal dari pesanan tambahan shares resulting from the implementation of PUT V and
dalam PUT V adalah sebanyak 1.300.005.367 saham. those originating from additional orders in PUT V, is
Dengan demikian jumlah saham yang telah diterbitkan 1,300,005,367 shares. Thus the number of shares
oleh Bank sampai dengan berakhirnya PUT V menjadi issued by the Bank until the end of PUT V was
3.688.866.845 saham. 3,688,866,845 shares.
Perubahan tersebut telah disetujui oleh Menteri Hukum dan The amendement was approved by the Minister of Justice
Hak Asasi Manusia Republik Indonesia dengan Surat and Human Rights of the Republic of Indonesia on its
Keputusan No. AHU-AH.01.03-0063099 tanggal 12 Mei Decision Letter No. AHU-AH.01.03-0063099 dated May 12,
2023. 2023.
24. TAMBAHAN MODAL DISETOR 24. ADDITIONAL PAID-IN CAPITAL
31 Desember/ 31 Desember/
December 31, December 31,
2024 2023
Right issue tahun 2002 1.703.948.954 1.703.948.954 Rights issue in 2002
Penawaran umum terbatas I tahun 2008 27.198.056.100 27.198.056.100 Limited public offering I in 2008
Penawaran umum terbatas II tahun 2014 449.399.315.760 449.399.315.760 Limited public offering II in 2014
Penawaran umum terbatas III tahun 2017 558.083.314.326 558.083.314.326 Limited public offering III in 2017
Penawaran umum terbatas III tahun 2018 25.385.824.570 25.385.824.570 Limited public offering III in 2018
Penawaran umum terbatas IV tahun 2022 796.899.151.661 796.899.151.661 Limited public offering IV in 2022
Penawaran umum terbatas V tahun 2023 1.036.484.293.600 1.036.484.293.600 Limited public offering V in 2023
Koreksi peyesuaian biaya emisi saham 99.997.316 - Correction of adjustment to share
PUT V issuance costs for right issue V
Jumlah 2.895.253.902.287 2.895.153.904.971 Total
Koreksi penyesuaian biaya emisi saham pada tanggal The adjustment correction for share issuance costs in
31 Desember 2024 sebesar Rp99.997.316 berasal dari December 31, 2024, amounting to Rp99,997,316,
pengembalian kelebihan biaya emisi saham penawaran originates from the refund of excess share issuance costs
umum terbatas V (PUT V) pada 1 November 2024. from the Limited Public Offering V (PUT V) in November
1, 2024.
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Page 245
PT BANK OF INDIA INDONESIA TBK PT BANK OF INDIA INDONESIA TBK
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
UNTUK TAHUN YANG BERAKHIR FOR THE YEAR ENDED
PADA 31 DESEMBER 2024 DECEMBER 31, 2024
(Disajikan dalam Rupiah, kecuali dinyatakan lain) (Expressed in Rupiah, unless otherwise stated)
24. TAMBAHAN MODAL DISETOR (lanjutan) 24. ADDITIONAL PAID-IN CAPITAL (continued)
Tambahan modal disetor/agio saham pada tanggal The additional paid-in capital/share premium on
31 Desember 2023 sebesar Rp1.036.484.293.600 berasal December 31, 2023 in the amount of Rp1,036,484,293,600
dari penawaran umum terbatas V (PUT V) sebesar arise from the limited public offering V (PUT V) amounted
Rp1.040.004.293.600 dikurangi dengan biaya-biaya emisi to Rp1,040,004,293,600 less the costs of issuing shares at
penerbitan saham pada PUT IV sebesar Rp3.520.000.000. PUT IV amounted to Rp3,520,000,000.
25. DANA SETORAN MODAL 25. CAPITAL DEPOSIT FUNDS
Sehubungan dengan rencana Bank melakukan Penawaran In connection with the Bank's plan to conduct a Limited
Umum Terbatas dengan memberikan Hak Memesan Efek Public Offering by granting Pre-emptive Rights V (HMETD
terlebih dahulu V (HMETD V), Pada tahun 2022, Bank V), in 2022, the Bank has received an initial capital deposit
telah menerima setoran modal awal dari pemegang saham from the controlling shareholder of Bank of India amounting
pengendali Bank of India sebesar Rp1.300.000.000.000. to Rp1,300,000,000,000. In 2023, this value has been
Pada tahun 2023, nilai tersebut telah dikonversi ke modal converted into share capital and additional paid-in capital
saham dan tambahan modal disetor sehubungan dengan in connection with the completion of the HMETD V process
selesainya proses HMETD V(Catatan 25). (Note 25).
26. PENDAPATAN BUNGA 26. INTEREST INCOME
2024 2023
Kredit 275.482.101.566 202.671.519.021 Loans
Efek-efek 104.210.431.192 107.916.055.759 Marketable securities
Penempatan pada Bank Indonesia 50.489.326.294 44.405.685.380 Placements with Bank Indonesia and
dan bank lain other banks
Jumlah 430.181.859.052 354.993.260.160 Total
Jumlah pendapatan bunga yang diperoleh dari pihak Interest income from related parties amounted to
berelasi sebesar Rp0 dan Rp1.029.967 masing-masing untuk Rp0 and Rp1,029,967 for the years ended December 31,
tahun-tahun yang berakhir pada tanggal 31 Desember 2024 2024 and 2023, respectively (Note 32).
dan 2023 (Catatan 32).
27. BEBAN BUNGA 27. INTEREST EXPENSE
2024 2023
Simpanan Deposits
Deposito berjangka 134.651.658.102 89.417.607.377 Time deposits
Tabungan 2.281.916.969 2.435.977.578 Saving accounts
Giro 919.260.847 894.433.026 Current accounts
Interbank Call Money 408.234.243 2.210.833.246 Interbank Call Money
Lainnya 66.478.204 - Others
Jumlah 138.327.548.365 94.958.851.227 Total
Jumlah beban bunga kepada pihak berelasi sebesar Total interest expense to related parties amounted to
Rp179.498.874 dan Rp36.806.714 masing-masing untuk Rp179,498,874 and Rp36,806,714 for the years ended
tahun-tahun yang berakhir pada tanggal 31 Desember 2024 December 31, 2024 and 2023, respectively (Note 32).
dan 2023 (Catatan 32).
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Page 246
PT BANK OF INDIA INDONESIA TBK PT BANK OF INDIA INDONESIA TBK
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
UNTUK TAHUN YANG BERAKHIR FOR THE YEAR ENDED
PADA 31 DESEMBER 2024 DECEMBER 31, 2024
(Disajikan dalam Rupiah, kecuali dinyatakan lain) (Expressed in Rupiah, unless otherwise stated)
28. (PEMBENTUKAN) PEMULIHAN CADANGAN 28. (PROVISION FOR) REVERSAL OF ALLOWANCE OF
KERUGIAN PENURUNAN NILAI ATAS ASET IMPAIRMENT LOSSES ON FINANCIAL AND NON-
KEUANGAN DAN NONKEUANGAN FINANCIAL ASSETS
2024 2023
Aset keuangan Financial assets
Kredit yang diberikan (Catatan 11) (85.860.174.413) (115.282.236.554) Loans (Note 11)
Aset nonkeuangan Non-financial assets
Agunan yang diambil alih (17.000.000.000) (2.600.000.000) Foreclosed asset (Note 15)
(Catatan 15)
Jumlah (102.860.174.413) (117.882.236.554) Total
29. TENAGA KERJA DAN TUNJANGAN 29. PERSONNEL AND BENEFITS
2024 2023
Gaji 34.955.761.672 31.634.727.051 Salaries
Tunjangan 15.643.983.924 13.997.599.130 Benefits
Imbalan kerja 1.471.812.453 3.712.499.543 Post-employment benefits
Jumlah 52.071.558.049 49.344.825.724 Total
30. BEBAN UMUM DAN ADMINISTRASI 30. GENERAL AND ADMINISTRATIVE EXPENSES
2024 2023
Komunikasi dan TI 21.058.673.282 4.146.639.768 Communication and IT
Penyusutan dan amortisasi (Catatan 13 8.765.588.610 9.401.752.488 Depreciation and amortization
dan 14) (Notes 13 and 14)
Pajak dan perijinan 5.034.350.752 3.242.553.778 Taxes and licenses
Barang cetak dan keperluan kantor 4.291.671.449 3.914.747.842 Printing and office supplies
Honorarium tenaga ahli 3.123.127.059 10.660.792.624 Professional fees
Pendidikan dan pelatihan 2.410.126.197 1.451.970.229 Education and training
Perbaikan dan pemeliharaan 1.869.628.037 1.514.863.201 Repairs and maintenance
Transportasi 1.381.383.273 1.393.221.274 Transportation
Sewa 1.249.593.792 1.627.042.749 Rental
Iklan dan promosi 770.336.320 588.941.414 Advertisement and promotions
Asuransi 431.366.206 281.191.404 Insurance
Lain- lain 2.545.842.566 1.713.172.192 Others
Jumlah 52.931.687.543 39.936.888.963 Total
31. LABA PER SAHAM DASAR 31. BASIC PROFIT PER SHARE
Berikut ini adalah data yang digunakan untuk perhitungan Below are the data used to calculate the basic profit per
laba per saham dasar: share:
2024 2023
Laba bersih Net profit
Laba bersih untuk perhitungan laba per 78.754.937.362 48.831.391.424 Net profit for the calculation of basic
saham dasar profit per share
Jumlah saham Number of shares
Jumlah rata-rata tertimbang saham biasa 3.688.866.845 3.688.866.845 Weighted average ordinary shares for
untuk perhitungan laba per saham calculation of basic earnings per
dasar share
Laba per saham dasar 21,35 13,24 Basic profit per share
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Page 247
PT BANK OF INDIA INDONESIA TBK PT BANK OF INDIA INDONESIA TBK
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
UNTUK TAHUN YANG BERAKHIR FOR THE YEAR ENDED
PADA 31 DESEMBER 2024 DECEMBER 31, 2024
(Disajikan dalam Rupiah, kecuali dinyatakan lain) (Expressed in Rupiah, unless otherwise stated)
32. SIFAT HUBUNGAN DAN TRANSAKSI DENGAN 32. NATURE OF RELATIONSHIP AND
PIHAK-PIHAK BERELASI TRANSACTIONS WITH RELATED PARTIES
Dalam kegiatan normal usahanya, Bank juga mengadakan In the normal course of business, the Bank also entered
transaksi-transaksi tertentu dengan pihak-pihak yang into certain transactions with related parties.
berelasi.
Transaksi dengan pihak-pihak berelasi dilakukan Transactions with related parties are made based on terms
berdasarkan persyaratan yang disetujui oleh kedua belah agreed by the parties, which may not be the same as those
pihak, yang mungkin tidak sama dengan transaksi lain yang of the transaction between unrelated parties.
dilakukan dengan pihak-pihak yang tidak berelasi.
Rincian sifat hubungan dan jenis transaksi yang signifikan The details of the relationship and type of significant
dengan pihak-pihak berelasi pada tanggal 31 Desember 2024 transactions with related parties as of December 31, 2024
dan 2023 adalah sebagai berikut: and 2023 are as follows:
Pihak-pihak berelasi/ Sifat hubungan berelasi/ Jenis transaksi/
No. Related parties Nature of related party relationship Type of transactions
1 Bank of India Pemegang Saham/Shareholders Giro pada bank lain/ Current accounts with other
banks, Pinjaman singkat/ Call Money
2 Lungguk Gultom Komisaris Simpanan dari nasabah/ Deposits from Customers
3 Handadjaja Sulaiman Komisaris Simpanan dari nasabah/ Deposits from Customers
4 Jayaprakash Bharathan Direktur Utama Simpanan dari nasabah/ Deposits from Customers
5 Chandra Sekhar Mukherjee Direktur Bisnis Simpanan dari nasabah/ Deposits from Customers
6 Carolina Dina Rusdiana Direktur Operasional Simpanan dari nasabah/ Deposits from Customers
7 Dennis Kusuma Halim Direktur Kepatuhan Simpanan dari nasabah/ Deposits from Customers
8 Ajay Kapoor Kepala Divisi Simpanan dari nasabah/ Deposits from Customers
9 Anurag Singh Kepala Divisi Simpanan dari nasabah/ Deposits from Customers
10 Robby Chaiyadi Kepala Divisi Simpanan dari nasabah/ Deposits from Customers
11 Arifin Siswidodo Kepala Divisi Simpanan dari nasabah/ Deposits from Customers
12 Siti Yanti E Gultom Kepala Divisi Simpanan dari nasabah/ Deposits from Customers
13 Muhammad Chotib Kepala Divisi Simpanan dari nasabah/ Deposits from Customers
14 Erma Rumadja Kepala Divisi Simpanan dari nasabah/ Deposits from Customers
15 Hary Suryawan Dwiputra Kepala Divisi Simpanan dari nasabah/ Deposits from Customers
16 Arief Budi Winarto Kepala Divisi Simpanan dari nasabah/ Deposits from Customers
17 Santoso Pribadi Kepala Divisi Simpanan dari nasabah/ Deposits from Customers
18 Dwi Anita Kurniasih Kepala Divisi Simpanan dari nasabah/ Deposits from Customers
19 Ibrahim Iman Utomo Branch Manager Simpanan dari nasabah/ Deposits from Customers
20 Putu Puspitha Saraswati Branch Manager Simpanan dari nasabah/ Deposits from Customers
21 Tjong Indrihartini Branch Manager Simpanan dari nasabah/ Deposits from Customers
22 Putu Diyah Ayu Pitaloka Branch Manager Simpanan dari nasabah/ Deposits from Customers
23 Rahmat Irfan Arfi Branch Manager Simpanan dari nasabah/ Deposits from Customers
24 Indarmawan Branch Manager Simpanan dari nasabah/ Deposits from Customers
25 Marthania Pratiwi Branch Manager Simpanan dari nasabah/ Deposits from Customers
26 Eka Surya Chandra Kakak Kandung Hary Suryawan Simpanan dari nasabah/ Deposits from Customers
Dwiputra
Dalam menjalankan kegiatan usahanya, Bank juga In conducting its business, the Bank also entered into
mengadakan transaksi tertentu dengan pihak-pihak berelasi. certain transactions with related parties. According to the
Menurut manajemen Bank, transaksi-transaksi tersebut Bank’s management, transactions with related parties were
dilakukan dengan persyaratan dan kondisi normal seperti made at similar conditions and terms as those done with
yang dilakukan dengan pihak ketiga lainnya, kecuali third parties, except for loans to employees.
pinjaman yang diberikan kepada para karyawan. These transactions include the following:
Transaksi- transaksi tersebut meliputi:
a. Giro pada bank lain (Catatan 6) a. Current accounts with other banks (Note 6)
Pada tanggal 31 Desember 2024 dan 2023, persentase As of December 31, 2024 and 2023, percentages of
giro pada bank lain kepada pihak berelasi terhadap current accounts with other banks to related parties to
jumlah keseluruhan giro pada bank lain masing-masing total current accounts with other banks are
sebesar kurang lebih 15,64% dan 13,39%. approximately 15,64% and 13,39% respectively.
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Page 248
PT BANK OF INDIA INDONESIA TBK PT BANK OF INDIA INDONESIA TBK
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
UNTUK TAHUN YANG BERAKHIR FOR THE YEAR ENDED
PADA 31 DESEMBER 2024 DECEMBER 31, 2024
(Disajikan dalam Rupiah, kecuali dinyatakan lain) (Expressed in Rupiah, unless otherwise stated)
32. SIFAT HUBUNGAN DAN TRANSAKSI DENGAN 32. NATURE OF RELATIONSHIP AND TRANSACTIONS
PIHAK-PIHAK BERELASI (lanjutan) WITH RELATED PARTIES (continued)
b. Kredit (Catatan 11) b. Loans (Note 11)
Pada tanggal laporan posisi keuangan, persentase kredit At the statements of financial position date, the
yang diberikan kepada pihak berelasi terhadap jumlah percentages of loans to related parties were 0% as of
keseluruhan kredit yang diberikan adalah masing-masing December 31, 2024, and 2023, respectively. Interest
0% pada tanggal 31 Desember 2024 dan 2023. Tingkat rates per annum on loans to related parties were 0% in
bunga per tahun untuk kredit yang diberikan kepada 2024 and ranged from 7.00% to 7.50% for Rupiah
pihak berelasi adalah 0% pada tahun 2024 serta 7,00% – currency and 0% (no credit denominated in USD) for
7,50% untuk mata uang Rupiah dan 0% (tidak ada kredit foreign currency in 2023.
dalam mata uang USD) untuk mata uang asing
pada tahun 2023.
c. Penempatan dana dari pihak-pihak berelasi dalam bentuk c. Placements of funds from related parties in the form of
simpanan (Catatan 18 dan 19) deposits (Notes 18 and 19)
- Giro - Current accounts
Pada tanggal laporan posisi keuangan, persentase At statements of financial position date, percentages
rekening giro pihak berelasi dari jumlah rekening of current accounts from related parties are 0.05%
giro adalah 0,05% dan 0,06% masing-masing pada and 0.06% of the total current accounts as of
tanggal 31 Desember 2024 dan 2023. Untuk rekening December 31, 2024 and 2023, respectively. Average
giro Rupiah, tingkat suku bunga rata-rata yang interest rates on currents accounts in Rupiah a
diberikan adalah 0,25% dan 0,25% masing-masing 0.25% and 0.25% in 2024 and 2023, respectively.
pada tahun 2024 dan 2023. Sedangkan untuk Dollar Average interest rates for current accounts in
Amerika Serikat adalah 0,25% dan 0,25% masing- United States Dollar are 0.25% and 0.25% in 2024
masing pada tahun 2024 dan 2023. and 2023, respectively.
- Tabungan - Saving accounts
Pada tanggal laporan posisi keuangan, persentase At statements of financial position date, percentages
tabungan pihak berelasi dari jumlah tabungan adalah of saving accounts from related parties accounted
1,01% dan 0,62% masing-masing pada tanggal for 1.01% and 0.62% of the total saving accounts as
31 Desember 2024 dan 2023. Tingkat bunga rata-rata of December 31, 2024 and 2023, respectively.
yang diberikan adalah 0,25% dan 1,49% masing- Average interest rates on saving accounts are 0.25%
masing pada tahun 2024 dan 2023. and 1.49% in 2024 and 2023, respectively.
- Deposito berjangka - Time deposits
Pada tanggal laporan posisi keuangan, persentase At statements of financial position date, percentages
deposito berjangka pihak berelasi dari jumlah of time deposits from related parties accounted for
deposito berjangka adalah 0,19% dan 0,07% masing- 0.19% and 0.07% of the total time deposits as of
masing pada tanggal 31 Desember 2024 dan 2023. December 31, 2024 and 2023, respectively. Average
Untuk deposito berjangka Rupiah, tingkat bunga rata- interest rate for time deposits in Rupiah is 4.64%
rata yang diberikan adalah 4,64% dan 4,03% masing- and 4.03% in 2024 and 2023, respectively. Average
masing pada tahun 2024 dan 2023. Untuk Dollar interest rates on time deposits in United States
Amerika Serikat adalah 3,96% dan 3,55% masing- Dollar are 3.96% and 3.55% in 2024 and 2023,
masing pada tahun 2024 dan 2023. respectively.
- 78 -
Page 249
PT BANK OF INDIA INDONESIA TBK PT BANK OF INDIA INDONESIA TBK
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
UNTUK TAHUN YANG BERAKHIR FOR THE YEAR ENDED
PADA 31 DESEMBER 2024 DECEMBER 31, 2024
(Disajikan dalam Rupiah, kecuali dinyatakan lain) (Expressed in Rupiah, unless otherwise stated)
32. SIFAT HUBUNGAN DAN TRANSAKSI DENGAN 32. NATURE OF RELATIONSHIP AND TRANSACTIONS
PIHAK-PIHAK BERELASI (lanjutan) WITH RELATED PARTIES (continued)
c. Penempatan dana dari pihak-pihak berelasi dalam bentuk c. Placements of funds from related parties in the form of
simpanan (Catatan 18 dan 19) (lanjutan) deposits (Notes 18 and 19) (continued)
Saldo simpanan dari nasabah dan simpanan dari bank The balance of deposits from customers and deposits
lain dari pihak berelasi dapat diikhtisarkan sebagai from other banks with related parties are summarised
berikut: as follows:
31 Desember/ 31 Desember/
December 31, December 31,
2024 2023
Simpanan dari nasabah Deposits from customers
Deposito berjangka 4.801.653.556 1.601.774.044 Time deposits
Giro 235.601.347 - Current accounts
Tabungan 975.540.146 1.247.907.363 Savings accounts
Sub jumlah 6.012.795.049 2.849.681.407 Sub total
Simpanan dari bank lain Deposits from other banks
Interbank Call Money 209.235.000.000 849.032.357 Interbank Call Money
Giro 61.585.611 - Current accounts
Sub jumlah 209.296.585.611 849.032.357 Sub total
Jumlah 215.309.380.660 5.699.362.814 Total
Persentase terhadap jumlah 0,07% 0,21% Percentage to total liabilities
liabilitas
2024 2023
Pendapatan bunga – kredit - 1.029.967 Interest income - loans
Persentase terhadap jumlah - 0,00% Percentage to total interest income
pendapatan bunga
Beban bunga Interest expense
Deposito berjangka 169.981.725 11.257.890 Time deposits
Giro 465.282 - Current accounts
Tabungan 9.051.090 25.548.824 Savings accounts
Jumlah 179.498.097 36.806.714 Total
Persentase terhadap jumlah beban 0,01% 0,04%
Percentage to total interest expenses
bunga
d. Liabilitas lain-lain (Catatan 22) d. Other liabilities (Note 22)
- Bunga yang masih harus dibayar - Accrued interest
Pada tanggal 31 Desember 2024 dan 2023, persentase As of December 31, 2024 and 2023, the percentage of
bunga yang masih harus dibayar kepada pihak berelasi interest accrued to related parties on the total other
terhadap jumlah keseluruhan liabilitas lain-lain liabilities amounted to 0,08% and 0.019%,
masing-masing sebesar 0,08% dan 0,019%. respectively.
Saldo liabilitas komitmen dan kontinjensi kepada Outstanding commitments and contingent liabilities to
pihak-pihak berelasi pada tanggal 31 Desember 2024 dan related parties as of December 31, 2024 and 2023
2023 masing-masing sebesar Rp0. amounted to Rp0, respectively.
- 79 -
Page 250
PT BANK OF INDIA INDONESIA TBK PT BANK OF INDIA INDONESIA TBK
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
UNTUK TAHUN YANG BERAKHIR FOR THE YEAR ENDED
PADA 31 DESEMBER 2024 DECEMBER 31, 2024
(Disajikan dalam Rupiah, kecuali dinyatakan lain) (Expressed in Rupiah, unless otherwise stated)
33. KOMITMEN DAN KONTINJENSI 33. COMMITMENTS AND CONTINGENCIES
Bank memiliki tagihan dan liabilitas komitmen dan The Bank has commitment and contingency receivables
kontinjensi sebagai berikut: and liabilities as follows:
31 Desember/ 31 Desember/
December 31, December 31,
2024 2023
KOMITMEN COMMITMENTS
Tagihan komitmen Commitment receivables
Rupiah Rupiah
Lainnya 49.716.912.491 52.589.388.858 Others
Dollar Amerika Serikat United States Dollar
Pembelian berjangka valuta asing 554.472.750.000 51.579.950.000 Purchase of foreign exchange
futures
Lainnya 20.764.640.097 18.688.257.793 Others
Jumlah tagihan komitmen 624.954.302.588 122.857.596.651 Total commitment receivables
Liabilitas komitmen Commitment liabilities
Rupiah Rupiah
Fasilitas kredit kepada nasabah 200.272.224.165 298.940.297.059 Unused loan commitments granted
yang belum digunakan to customers
Dollar Amerika Serikat United States Dollar
Fasilitas kredit kepada nasabah 19.922.638.863 18.797.834.086 Unused loan commitments granted to
yang belum digunakan Customers
L/C yang irrevocable dan masih - 1.392.939.029 Outstanding irrevocable letters of
berjalan credit
Penjualan berjangka valuta asing 337.995.000.000 89.225.615.000 Unsettled sales of foreign
yang belum selesai currencies forward
Jumlah liabilitas komitmen 558.189.863.028 408.356.685.174 Total commitment liabilities
Jumlah liabilitas komitmen – 66.764.439.560 (285.499.088.523) Total commitment liabilities – net
bersih
KONTINJENSI CONTINGENCIES
Tagihan kontinjensi Contingent receivables
Rupiah Rupiah
Lainnya 9.911.778.039 5.751.264.244 Others
Dollar Amerika Serikat United States Dollar
Lainnya 8.516.844.846 399.510.270 Others
Jumlah tagihan kontinjensi 18.428.622.885 6.150.774.514 Total contingent receivables
Liabilitas kontinjensi Contingent liabilities
Rupiah Rupiah
Penerbitan jaminan dalam bentuk 30.418.043.322 19.930.559.178 Bank guarantees issued
bank garansi
Jumlah liabilitas kontinjensi 30.418.043.322 19.930.559.178 Total contingent liabilities
Jumlah tagihan kontinjensi – (11.989.420.437) (13.779.784.664) Total contingent receivables – net
bersih
Jumlah liabilitas komitmen dan 54.775.019.123 (299.278.873.187) Total commitments and contingencies
kontinjensi liabilities
LAIN-LAIN OTHERS
Kredit hapus buku 821.955.101.073 705.659.699.418 Write-off
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PT BANK OF INDIA INDONESIA TBK PT BANK OF INDIA INDONESIA TBK
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
UNTUK TAHUN YANG BERAKHIR FOR THE YEAR ENDED
PADA 31 DESEMBER 2024 DECEMBER 31, 2024
(Disajikan dalam Rupiah, kecuali dinyatakan lain) (Expressed in Rupiah, unless otherwise stated)
33. KOMITMEN DAN KONTINJENSI (lanjutan) 33. COMMITMENTS AND CONTINGENCIES (continued)
Pada tanggal 31 Desember 2024 dan 2023, tidak terdapat As of December 31, 2024 and 2023, there were no
komitmen yang mengalami penurunan nilai. impairment on commitments.
Manajemen berpendapat bahwa tidak diperlukan adanya Management believes that no expected credit losses is
kerugian kredit ekspektasian pada liabilitas komitmen. necessary on commitment liabilities.
34. ASET DAN LIABILITAS MONETER DALAM MATA 34. MONETARY ASSETS AND LIABILITIES
UANG ASING DENOMINATED IN FOREIGN CURRENCIES
Posisi aset dan liabilitas moneter dalam mata uang asing The balances of monetary assets and liabilities
pada tanggal laporan posisi keuangan adalah sebagai denominated in foreign currencies at statements of
berikut: financial position dates are as follows:
31 Desember/ December 31, 2024
Mata uang
asing/
Foreign Setara dalam Rp/
currencies Equivalent in Rp
Aset Assets
Kas USD 135.829 2.186.167.755 Cash
Giro pada Bank Indonesia USD 1.790.000 28.810.050.000 Current accounts with Bank Indonesia
Giro pada bank lain USD 349.677 5.628.055.822 Current accounts with other banks
INR 196.655 36.967.207
GBP 5.289 106.943.137
SGD 11.338 134.298.292
EUR 6.735 112.870.932
JPY 1.205.968 124.250.883
HKD 37.834 78.433.297
Penempatan pada bank lain USD - - Placements with other banks
Kredit yang diberikan Loans
Pihak ketiga USD 48.746.106 784.568.583.313 Third parties
Cadangan kerugian penurunan 6.013.230 (96.782.942.603) Allowance for impairment losses
USD
nilai
Aset lain-lain USD 154.080 2.479.917.600 Other assets
Jumlah aset 727.483.595.635 Total assets
Liabilitas Liabilities
Liabilitas segera USD 837 13.470.344 Obligations due immediately
Simpanan dari nasabah Deposits from customers
Giro Current accounts
Pihak berelasi USD 14.638 235.601.347 Related parties
Pihak ketiga USD 6.046.227 97.314.024.692 Third parties
Deposito berjangka Time deposits
Pihak ketiga USD 39.166.616 630.386.681.140 Third parties
Simpanan dari bank lain Deposits from other banks
Pihak berelasi USD 13.000.000 209.235.000.000 Related parties
Liabilitas lain-lain USD 354.050,89 5.698.449.075 Other liabilities
Jumlah liabilitas 942.883.226.598 Total liabilities
Aset – bersih (215.399.630.963) Assets – net
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PT BANK OF INDIA INDONESIA TBK PT BANK OF INDIA INDONESIA TBK
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
UNTUK TAHUN YANG BERAKHIR FOR THE YEAR ENDED
PADA 31 DESEMBER 2024 DECEMBER 31, 2024
(Disajikan dalam Rupiah, kecuali dinyatakan lain) (Expressed in Rupiah, unless otherwise stated)
34. ASET DAN LIABILITAS MONETER DALAM MATA 34. MONETARY ASSETS AND LIABILITIES
UANG ASING (lanjutan) DENOMINATED IN FOREIGN CURRENCIES
(continued)
Posisi aset dan liabilitas moneter dalam mata uang asing The balances of monetary assets and liabilities
pada tanggal laporan posisi keuangan adalah sebagai denominated in foreign currencies at statements of
berikut (lanjutan): financial position dates are as follows (continued):
31 Desember/ December 31, 2023
Mata uang
asing/
Foreign Setara dalam Rp/
currencies Equivalent in Rp
Aset Assets
Kas USD 92.075 1.417.678.775 Cash
Giro pada Bank Indonesia USD 1.935.000 29.793.195.000 Current accounts with Bank Indonesia
Giro pada bank lain USD 223.778 3.445.515.256 Current accounts with other banks
INR 950.567 176.025.940
GBP 6.742 132.321.286
SGD 2.756 32.176.957
EUR 6.373 108.589.643
JPY 796.414 86.713.603
HKD 21.833 43.028.297
Penempatan pada bank lain USD 8.033.394 123.690.174.193 Placements with other banks
Tagihan akseptasi USD 84.233 1.296.935.193 Acceptances receivable
Kredit yang diberikan Loans
Pihak ketiga USD 42.712.282 657.641.009.650 Third parties
Cadangan kerugian penurunan 4.430.287 (68.213.121.331) Allowance for impairment losses
USD
nilai
Aset lain-lain USD 73.132 1.126.012.172 Other assets
Jumlah aset 750.776.254.634 Total assets
Liabilitas Liabilities
Liabilitas segera USD 37.068 570.736.511 Obligations due immediately
Simpanan dari nasabah Deposits from customers
Giro Current accounts
Pihak berelasi USD 10.514 161.884.366 Related parties
Pihak ketiga USD 7.047.628 108.512.324.467 Third parties
Deposito berjangka Time deposits
Pihak ketiga USD 39.278.886 604.777.005.432 Third parties
Simpanan dari bank lain Deposits from other banks
Pihak berelasi - - Related parties
Liabilitas akseptasi 84.233 1.296.935.193 Acceptances payables
Liabilitas lain-lain USD 269.425 4.148.340.528 Other liabilities
Jumlah liabilitas 719.467.226.497 Total liabilities
Aset – bersih 31.309.028.137 Assets – net
Kurs yang digunakan untuk menjabarkan aset dan liabilitas The foreign exchange rates used for assets and liabilities
dalam mata uang asing adalah kurs Reuters jam 16.00 denominated in foreign currencies were Reuters’ spot rates
Waktu Indonesia Barat. at 16:00 Western Indonesia Time.
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Page 253
PT BANK OF INDIA INDONESIA TBK PT BANK OF INDIA INDONESIA TBK
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
UNTUK TAHUN YANG BERAKHIR FOR THE YEAR ENDED
PADA 31 DESEMBER 2024 DECEMBER 31, 2024
(Disajikan dalam Rupiah, kecuali dinyatakan lain) (Expressed in Rupiah, unless otherwise stated)
35. INFORMASI SEGMEN 35. SEGMENT INFORMATION
Bank beroperasi di dua wilayah utama: Daerah Khusus The Bank operates in two main areas: Special District of
Ibukota (DKI) Jakarta dan di luar DKI Jakarta. Jakarta (DKI Jakarta) and outside DKI Jakarta.
Berikut ini adalah informasi segmen berdasarkan segmen The area segment information is as follows:
wilayah:
2024
DKI Jakarta/ Luar DKI Jakarta/
Special District Outside DKI Jumlah/
of Jakarta Jakarta Total
PENDAPATAN INCOME
Pendapatan bunga 383.149.854.185 47.032.004.867 430.181.859.052 Interest income
Pendapatan lainnya 72.865.557.040 4.105.462.182 76.971.019.222 Other income
Jumlah 456.015.411.225 51.137.467.049 507.152.878.274 Total
Laba operasi segmen 94.420.305.597 8.700.035.615 103.120.341.212 Segment operating profit
Laba sebelum pajak 92.598.095.417 8.717.341.632 101.315.437.049 Profit before tax
Laba – bersih 78.754.937.362 Net – loss
31 Desember/ December 31, 2024
DKI Jakarta/ Luar DKI Jakarta/
Special District Outside DKI Jumlah/
of Jakarta Jakarta Total
INFORMASI LAINNYA OTHER INFORMATION
ASET ASSETS
Penempatan pada Bank 261.590.468.552 - 261.590.468.552 Placements with Bank
Indonesia dan bank Indonesia and other
lain – bersih banks – net
Efek-efek – bersih 2.229.185.320.643 - 2.229.185.320.643 Marketable securities – net
Kredit yang diberikan – 3.485.866.957.237 535.367.109.065 4.021.234.066.302 Loans – net
bersih
Aset tetap – bersih 91.156.439.646 34.708.689.405 125.865.129.051 Fixed assets – net
Aset lain-lain 166.881.299.706 10.400.471.011 177.281.770.717 Other assets
Jumlah aset 6.234.680.485.784 580.476.269.481 6.815.156.755.265 Total assets
LIABILITAS LIABILITIES
Simpanan dari nasabah 2.680.497.687.687 422.208.237.870 3.102.705.925.557 Deposits from customers
Liabilitas lain-lain 429.520.045.130 (174.432.367.535) 255.087.677.595 Other liabilities
Jumlah liabilitas 3.110.017.732.817 247.775.870.335 3.357.793.603.152 Total liabilities
Pengeluaran modal 1.602.452.954 98.763.940 1.701.216.894 Capital expenditures
Penyusutan dan 3.125.177.514 431.954.086 3.557.131.600 Depreciation and
amortisasi amortization
2023
DKI Jakarta/ Luar DKI Jakarta/
Special District Outside DKI Jumlah/
of Jakarta Jakarta Total
PENDAPATAN INCOME
Pendapatan bunga 323.702.181.745 31.291.078.415 354.993.260.160 Interest income
Pendapatan lainnya 34.013.992.405 3.608.610.101 45.507.330.067 Other income
Jumlah 357.716.174.150 34.899.688.516 392.615.868.899 Total
Laba operasi segmen 63.665.908.049 (3.551.823.599) 60.114.084.450 Segment operating profit
Laba sebelum pajak 62.391.638.650 (3.589.182.216) 58.802.456.434 Profit before tax
Laba – bersih 48.831.391.424 Net - loss
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PT BANK OF INDIA INDONESIA TBK PT BANK OF INDIA INDONESIA TBK
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
UNTUK TAHUN YANG BERAKHIR FOR THE YEAR ENDED
PADA 31 DESEMBER 2024 DECEMBER 31, 2024
(Disajikan dalam Rupiah, kecuali dinyatakan lain) (Expressed in Rupiah, unless otherwise stated)
35. INFORMASI SEGMEN (lanjutan) 35. SEGMENT INFORMATION (continued)
Berikut ini adalah informasi segmen berdasarkan segmen The area segment information is as follows: (continued)
wilayah: (lanjutan)
31 Desember/ December 31, 2023
DKI Jakarta/ Luar DKI Jakarta/
Special District Outside DKI Jumlah/
of Jakarta Jakarta Total
INFORMASI LAINNYA OTHER INFORMATION
ASET ASSETS
Penempatan pada Bank 426.345.364.767 - 426.345.364.767 Placements with Bank
Indonesia dan bank Indonesia and other
lain – bersih banks – net
Efek-efek – bersih 1.832.934.130.342 - 1.832.934.130.342 Marketable securities – net
Kredit yang diberikan – 3.221.795.106.744 327.410.508.693 3.549.205.615.437 Loans – net
bersih
Aset tetap – bersih 91.418.918.938 35.397.586.118 126.816.505.056 Fixed assets – net
Aset lain-lain 186.751.122.693 6.509.322.660 193.260.445.353 Other assets
Jumlah aset 5.759.244.643.484 369.317.417.471 6.128.562.060.955 Total assets
LIABILITAS LIABILITIES
Simpanan dari nasabah 2.456.039.950.860 244.762.154.192 2.700.802.105.052 Deposits from customers
Liabilitas lain-lain 46.672.996.403 2.645.955.174 49.318.951.577 Other liabilities
Jumlah liabilitas 2.502.712.947.263 247.408.109.366 2.750.121.056.629 Total liabilities
Pengeluaran modal 2.800.024.558 784.671.944 3.584.696.502 Capital expenditures
Penyusutan dan 3.556.004.992 2.870.249.880 6.426.254.872 Depreciation and
amortisasi amortization
36. JAMINAN PEMERINTAH TERHADAP LIABILITAS 36. GOVERNMENT’S GUARANTEE ON COMMERCIAL
PEMBAYARAN BANK UMUM BANKS’ OBLIGATIONS
Berdasarkan Undang-undang Republik Indonesia Based on the Law No. 24 year 2004 of the Republic of
No. 24 tahun 2004 tanggal 22 September 2004, Pemerintah Indonesia dated September 22, 2004, The Government has
telah membentuk lembaga penjaminan independen, yaitu established an independent guarantee institution, namely
Lembaga Penjamin Simpanan (LPS) untuk menjamin dana the Deposit Insurance Corporation (LPS) to guarantee
masyarakat termasuk dana dari bank lain dalam bentuk giro, public funds including funds from other banks in the form
deposito, sertifikat deposito, tabungan dan/atau bentuk of demand deposits, deposits, certificates of deposit,
lainnya yang dipersamakan dengan itu. savings and/or other equivalent forms.
Berdasarkan Salinan Peraturan LPS No. 2/PLPS/2014 Based on a copy of the LPS Regulation No. 2/PLPS/2014
tanggal 22 September 2014 tentang Perubahan atas dated September 22, 2014 concerning Amendments to the
Peraturan Lembaga Penjamin Simpanan No. 2/PLPS/2010 Deposit Insurance Corporation Regulation No.
tentang Program Penjaminan Simpanan, besarnya saldo 2/PLPS/2010 concerning the Deposit Guarantee Program,
yang dijamin untuk setiap nasabah pada satu bank adalah the maximum guaranteed balance for each customer at one
paling tinggi sebesar Rp2.000.000.000. bank is Rp2,000,000,000.
Suku bunga penjaminan LPS pada tanggal 31 Desember The LPS deposit interest rates as of December 31, 2024
2024 dan 2023 masing-masing sebesar 4.25% untuk and 2023 is 4,25% for deposits in Rupiah currency and
simpanan dalam mata uang Rupiah dan masing-masing 2,25% for deposits in foreign currencies, respectively.
sebesar 2.25% untuk simpanan dalam mata uang asing.
Beban premi penjaminan yang dibayarkan untuk tahun- Guarantee premium expense paid for the years ended
tahun yang berakhir pada 31 Desember 2024 dan 2023 December 31, 2024 and 2023 amounted to
masing-masing sebesar Rp6.299.027.054 dan Rp6,299,027,054 and Rp5,422,982,882, respectively.
Rp5.422.982.882.
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PT BANK OF INDIA INDONESIA TBK PT BANK OF INDIA INDONESIA TBK
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
UNTUK TAHUN YANG BERAKHIR FOR THE YEAR ENDED
PADA 31 DESEMBER 2024 DECEMBER 31, 2024
(Disajikan dalam Rupiah, kecuali dinyatakan lain) (Expressed in Rupiah, unless otherwise stated)
37. NILAI WAJAR INSTRUMEN KEUANGAN 37. FAIR VALUE OF FINANCIAL INSTRUMENTS
Sebagian besar instrumen keuangan pada laporan posisi A significant number of financial instruments are carried
keuangan disajikan menggunakan nilai wajar. at fair value in the statements of financial position.
Tabel di bawah ini menyajikan nilai tercatat dan nilai wajar The table below presents the carrying amount and fair
dari aset keuangan dan liabilitas keuangan pada tanggal values of the financial assets and liabilities as of December
31 Desember 2024 dan 2023. 31, 2024 and 2023.
31 Desember/ December 31, 2024
Nilai tercatat/ Nilai wajar/
Carrying value Fair value
Aset keuangan Financial assets
Nilai wajar diamortisasi Amortised cost
Kas 14.060.906.255 14.060.906.255 Cash
Giro pada Bank Indonesia 150.335.811.997 150.335.811.997 Current accounts with Bank Indonesia
Giro pada bank lain – bersih 7.269.818.799 7.269.818.800 Current accounts with other banks – net
Penempatan pada Bank Indonesia 103.984.837.756 103.984.837.756 Placements with Bank Indonesia and
dan bank lain other banks
Efek-efek 1.962.740.993.730 1.962.740.993.730 Marketable securities
Efek-efek yang dibeli dengan janji 266.444.326.915 266.444.326.915 Securities purchased under agreements
dijual Kembali to resell
Kredit yang diberikan 4.140.311.144.537 4.140.311.144.537 Loans
Aset lain-lain*) 21.565.060.243 21.565.060.243 Other assets*)
Nilai wajar melalui laba rugi Fair value through profit or loss
Tagihan derivatif 1.349.500.000 1.349.500.000 Derivative receivables
Jumlah aset keuangan 6.668.062.400.232 6.668.062.400.233 Total financial assets
Liabilitas keuangan Financial liabilities
Biaya perolehan diamortisasi Amortised cost
Simpanan dari nasabah 3.102.705.925.559 3.102.705.925.559 Deposits from customers
Simpanan dari bank lain 209.296.585.611 209.296.585.611 Deposits from other banks
Liabilitas lain-lain**) 12.019.621.210 12.019.621.210 Other liabilities**)
Jumlah liabilitas keuangan 3.324.022.132.380 3.324.022.132.380 Total financial liabilities
31 Desember/ December 31, 2023
Nilai tercatat/ Nilai wajar/
Carrying value Fair value
Aset keuangan Financial assets
Nilai wajar diamortisasi Amortised cost
Kas 11.454.169.225 11.454.169.225 Cash
Giro pada Bank Indonesia 189.005.478.214 189.005.478.214 Current accounts with Bank Indonesia
Giro pada bank lain – bersih 7.665.161.682 7.665.161.682 Current accounts with other banks – net
Penempatan pada Bank Indonesia 229.674.724.871 229.674.724.871 Placements with Bank Indonesia and
dan bank lain other banks
Efek-efek 1.113.742.165.330 1.113.742.165.330 Marketable securities
Efek-efek yang dibeli dengan janji 719.191.965.012 719.191.965.012 Securities purchased under agreements
dijual Kembali to resell
Kredit yang diberikan 3.716.153.617.702 3.716.153.617.702 Loans
Aset lain-lain*) 16.426.921.673 16.426.921.673 Other assets*)
Nilai wajar melalui laba rugi Fair value through profit or loss
Tagihan derivatif 153.100.000 153.100.000 Derivative receivables
Jumlah aset keuangan 6.003.467.303.709 6.003.467.303.709 Total financial assets
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Page 256
PT BANK OF INDIA INDONESIA TBK PT BANK OF INDIA INDONESIA TBK
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
UNTUK TAHUN YANG BERAKHIR FOR THE YEAR ENDED
PADA 31 DESEMBER 2024 DECEMBER 31, 2024
(Disajikan dalam Rupiah, kecuali dinyatakan lain) (Expressed in Rupiah, unless otherwise stated)
37. NILAI WAJAR INSTRUMEN KEUANGAN (lanjutan) 37. FAIR VALUE OF FINANCIAL INSTRUMENTS
(continued)
Tabel di bawah ini menyajikan nilai tercatat dan nilai wajar The table below presents the carrying amount and fair
dari aset keuangan dan liabilitas keuangan pada tanggal values of the financial assets and liabilities as of December
31 Desember 2024 dan 2023. (lanjutan) 31, 2024 and 2023. (continued)
31 Desember/ December 31, 2023
Nilai tercatat/ Nilai wajar/
Carrying value Fair value
Liabilitas keuangan Financial liabilities
Biaya perolehan diamortisasi Amortised cost
Liabilitas segera Obligations due immediately
Simpanan dari nasabah 2.699.996.820.164 2.699.996.820.164 Deposits from customers
Simpanan dari bank lain 43.747.469 43.747.469 Deposits from other banks
Liabilitas lain-lain**) 9.097.058.630 9.097.058.630 Other liabilities**)
Jumlah liabilitas keuangan 2.709.137.626.263 2.709.137.626.263 Total financial liabilities
*) Aset lain lain terdiri dari pendapatan bunga yang masih *) Other assets consist of accrued interest receivables.
harus diterima.
**) Liabilitas lain-lain terdiri dari bunga yang masih harus **) Other liabilities consist of accrued interest and security
dibayar dan setoran jaminan. deposits.
Nilai wajar aset keuangan dan liabilitas keuangan di atas The fair values of the above financial assets and liabilities
diukur dengan dasar sebagai berikut: are determined based on the following:
Aset keuangan Financial assets
Nilai tercatat dari kas dan setara kas, serta penempatan The carrying amount of cash and cash equivalents, as well
dengan suku bunga mengambang adalah perkiraan yang as placements with floating rates are a reasonable
layak atas nilai wajar. approximation of fair value.
Estimasi nilai wajar terhadap penempatan dengan suku The estimated fair values of fixed interest bearing
bunga tetap, efek-efek, efek-efek yang dibeli dengan janji placements, marketable securities, securities purchased
untuk dijual kembali, tagihan akseptasi dan aset lain-lain under agreements to resell, acceptance receivables and
ditetapkan berdasarkan diskonto arus kas dengan other assets were based on discounted cash flows using
menggunakan suku bunga pasar uang yang berlaku untuk prevailing money market interest rates for debts with
utang dengan risiko kredit dan sisa jatuh tempo yang similar credit risk and remaining maturity. Since the
serupa. Karena sisa jatuh tempo di bawah satu tahun maturity is below one year, the carrying amounts of fixed
sehingga nilai tercatat dari penempatan dengan suku bunga rate placements, securities purchased under agreements to
tetap, efek-efek yang dibeli dengan janji untuk dijual resell, acceptance receivables and other assets were a
kembali, tagihan akseptasi dan aset lain-lain adalah reasonable approximation of their fair values.
perkiraan yang layak atas nilai wajar.
Portofolio kredit Bank secara umum terdiri dari pinjaman Generally, the Bank’s portfolio consists of loans with
yang diberikan dengan suku bunga mengambang dan floating interest rate and short-term loans with fixed
pinjaman yang diberikan jangka pendek dengan suku bunga interest rate. Loans are stated at amortized cost. The
tetap. Pinjaman yang diberikan dinyatakan berdasarkan estimated fair value of loans represents the discounted
biaya yang diamortisasi. Nilai wajar dari pinjaman yang amount of estimated future cash flows expected to be
diberikan menunjukkan nilai diskon dari perkiraan arus kas received by the Bank using the current market rates.
masa depan yang diharapkan akan diterima oleh Bank
dengan menggunakan suku bunga pasar saat ini.
Nilai tercatat dari pinjaman yang diberikan dengan suku The carrying amount of floating rate loans and short-term
bunga mengambang dan nilai tercatat atas pinjaman jangka fixed rate loans are the reasonable approximation of their
pendek dengan suku bunga tetap adalah perkiraan yang fair values.
layak atas nilai wajar.
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PT BANK OF INDIA INDONESIA TBK PT BANK OF INDIA INDONESIA TBK
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
UNTUK TAHUN YANG BERAKHIR FOR THE YEAR ENDED
PADA 31 DESEMBER 2024 DECEMBER 31, 2024
(Disajikan dalam Rupiah, kecuali dinyatakan lain) (Expressed in Rupiah, unless otherwise stated)
37. NILAI WAJAR INSTRUMEN KEUANGAN (lanjutan) 37. FAIR VALUE OF FINANCIAL INSTRUMENTS
(continued)
Liabilitas keuangan Financial liabilities
Estimasi nilai wajar liabilitas segera, simpanan tanpa jatuh The estimated fair value of obligations due immediately
tempo, termasuk simpanan tanpa bunga adalah sebesar and deposits with no stated maturity, which include non-
jumlah yang harus dibayarkan kembali sewaktu-waktu. interest bearing deposits, are the amounts repayable on
demand.
Estimasi nilai wajar terhadap simpanan dengan tingkat suku The estimated fair values of fixed interest bearing deposits
bunga tetap dan liabilitas akseptasi ditetapkan berdasarkan and acceptance payables are based on discounted cash
diskonto arus kas dengan menggunakan suku bunga utang flows using interest rates for new debts with similar
baru dengan sisa jatuh tempo yang serupa. Karena sisa jatuh remaining maturity. Since the maturity is below one year,
tempo dibawah satu tahun sehingga nilai tercatat dari the carrying amounts of fixed rate deposits, acceptance
simpanan dengan suku bunga tetap, liabilitas akseptasi dan payables and other liabilities are the reasonable
liabilitas lain-lain adalah perkiraan yang layak atas nilai approximation of their fair values.
wajar.
Hirarki nilai wajar Fair value hierarchy
PSAK 113, “Pengukuran nilai wajar” mensyaratkan SFAS 113, “Fair value measurement” requires disclosure
pengungkapan atas pengukuran nilai wajar dengan tingkat of fair value measurements by level of the following fair
hirarki nilai wajar sebagai berikut: value measurement hierarchy:
- Harga kuotasian (tidak disesuaikan) dalam pasar aktif - Quoted prices (unadjusted) in active markets for
untuk aset atau liabilitas yang identik (tingkat 1); identical assets or liabilities (level 1);
- Input selain harga kuotasian yang termasuk dalam tingkat - Inputs other than quoted prices included within level 1
1 yang dapat diobservasi untuk aset atau liabilitas, baik that are observable for the asset or liability, either
secara langsung (misalnya harga) atau secara tidak directly (as prices) or indirectly (as derived from prices)
langsung (misalnya derivasi dari harga) (tingkat 2); dan (level 2); and
- Input untuk aset atau liabilitas yang bukan berdasarkan - Inputs for the asset or liability that are not based on
data pasar yang dapat diobservasi (input yang tidak dapat observable market data (unobservable inputs) (level 3).
diobservasi) (tingkat 3).
Tabel di bawah ini menunjukkan instrumen keuangan yang The table below shows the financial instruments measured
diukur pada nilai wajar yang dikelompokkan berdasarkan at fair value grouped according to the fair value hierarchy:
hirarki nilai wajar:
31 Desember/ December 31, 2024
Jumlah
tercatat/ Total
carrying amount Level 1 Level 2 Level 3
Aset keuangan Financial assets
Nilai wajar melalui Fair value through
laba rugi profit or loss
Tagihan derivatif 1.349.500.000 1.349.500.000 - - Derivative receivables
Tidak terdapat pengalihan antara tingkat 1 dan 2 selama There were no transfers between levels 1 and 2 during
periode berjalan. the period.
Nilai wajar untuk instrumen keuangan yang The fair value of financial instruments traded in active
diperdagangkan di pasar aktif ditentukan berdasarkan markets is based on quoted market prices at the reporting
kuotasi nilai pasar pada tanggal pelaporan. date.
Nilai wajar instrumen keuangan yang tidak diperdagangkan The fair value of financial instruments that are not traded
di pasar aktif ditentukan dengan menggunakan teknik in an active market is determined using specific valuation
penilaian tertentu. Teknik tersebut menggunakan data pasar techniques. These valuation techniques use the observable
yang dapat diobservasi sepanjang tersedia dan seminimal market data where it is available and rely as little as
mungkin mengacu pada estimasi. Apabila seluruh input possible on estimates. If all significant inputs of fair value
signifikan atas nilai wajar dapat diobservasi, instrumen are observable, these financial instruments are included in
keuangan ini termasuk dalam tingkat 2. level 2.
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Page 258
PT BANK OF INDIA INDONESIA TBK PT BANK OF INDIA INDONESIA TBK
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
UNTUK TAHUN YANG BERAKHIR FOR THE YEAR ENDED
PADA 31 DESEMBER 2024 DECEMBER 31, 2024
(Disajikan dalam Rupiah, kecuali dinyatakan lain) (Expressed in Rupiah, unless otherwise stated)
37. NILAI WAJAR INSTRUMEN KEUANGAN (lanjutan) 37. FAIR VALUE OF FINANCIAL INSTRUMENTS
(continued)
Hirarki nilai wajar (lanjutan) Fair value hierarchy (continued)
Teknik penilaian tertentu digunakan untuk menentukan Specific valuation technique used to determine
nilai instrumen keuangan atas perbedaan yang digunakan the financial instruments value includes determination of
dengan menggunakan suku bunga yang berbeda. fair value of foreign exchange contracts using forward
exchange rates at reporting date.
38. MANAJEMEN RISIKO 38. RISK MANAGEMENT
Risiko dalam konteks perbankan merupakan suatu potensi Risk in the context of banking is a potential event,
kejadian, baik yang diperkirakan (expected) maupun yang which is either estimated (expected) and not estimated
tidak diperkirakan (unexpected) yang berdampak negatif (unexpected) that can give negative impact to the Banks
terhadap profitabilitas dan permodalan Bank. rentability and capital.
Manajemen risiko adalah serangkaian metodologi dan Risk management is a set of methodologies and procedures
prosedur yang digunakan untuk mengidentifikasi, used to identify, measure, monitor, or control the risks
mengukur, memantau, dan mengendalikan risiko yang arising from the entire Bank’s business activities,
timbul dari seluruh kegiatan usaha Bank, termasuk upaya including the efforts to mitigate and/or minimize financial
untuk memitigasi dan/atau meminimalisir kerugian or non-financial losses that may arise from product and
finansial maupun non-finansial yang mungkin timbul dari services of the Bank, the relationship between the Bank and
produk dan layanan Bank, hubungan antara Bank dengan its customer is also within the Bank internal.
nasabah maupun dalam internal Bank.
Bank menerapkan manajemen risiko secara independen dan The Bank implements risk management independently and
merujuk pada ketentuan Otoritas Jasa Keuangan (OJK), in accordance with the provisions of the Financial Services
Bank Indonesia (BI) serta best practice yang diterapkan Authority (OJK), Bank Indonesia (BI) and best practices
perbankan nasional yaitu Pernyataan Standar Akuntansi implemented by national banks namely Statement of
Keuangan (PSAK). Bank menerapkan konsep Enterprise Financial Accounting Standards (SFAS). Bank applied
Risk Management (ERM) sebagai salah satu strategi concept of Enterprise Risk Management (ERM) as one of
manajemen risiko yang komprehensif dan terintegrasi, yang the comprehensive and integrated risk management
disesuaikan dengan kebutuhan bisnis dan operasional Bank. strategies, tailored to the Bank’s business and operation
requirement.
ERM adalah sebuah proses manajemen risiko yang melekat ERM is a risk management process that is inherent in the
dalam proses bisnis Bank, artinya manajemen risiko Bank's business processes, meaning that risk management
menjadi bagian yang menyatu dalam pengambilan is an integral part of the Bank's daily business decision
keputusan bisnis Bank sehari-hari. Dengan ERM, Bank making. With ERM, the Bank will have a systematic and
akan memiliki kerangka kerja manajemen risiko yang comprehensive risk management framework by linking the
sistematis dan menyeluruh dengan menghubungkan capital management strategy and business processes with
pengelolaan modal dan proses bisnis dengan risiko yang the risk full faced.
dihadapi secara utuh.
Kerangka manajemen risiko maupun pelaksanaan Good The risk management framework and implementation of
Corporate Governance dalam Bank mengacu pada Good Corporate Governance in Bank refers to Financial
Peraturan Otoritas Jasa Keuangan (POJK) Nomor Services Authority Regulation (POJK)
18/POJK.03/2016 dan Surat Edaran Otoritas Jasa No. 18/POJK.03/2016 and Financial Services Authority
Keuangan (SEOJK) Nomor 34/SEOJK.03/2016 tentang Circular Letter (SEOJK)
Penerapan Manajemen Risiko Bagi Bank Umum serta No. 34/SEOJK.03/2016 concerning Implementation of Risk
POJK Nomor 17 Tahun 2023 dan SEOJK Nomor Management for Commercial Banks also POJK Nomor 17
13/SEOJK.03/2017 tentang Penerapan Tata Kelola Bagi Year 2023 dan SEOJK Nomor 13/SEOJK.03/2017
Bank Umum. concerning Implementation of Good Corporate
Governance for Commercial Banks.
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Page 259
PT BANK OF INDIA INDONESIA TBK PT BANK OF INDIA INDONESIA TBK
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
UNTUK TAHUN YANG BERAKHIR FOR THE YEAR ENDED
PADA 31 DESEMBER 2024 DECEMBER 31, 2024
(Disajikan dalam Rupiah, kecuali dinyatakan lain) (Expressed in Rupiah, unless otherwise stated)
38. MANAJEMEN RISIKO (lanjutan) 38. RISK MANAGEMENT (continued)
Bank menyadari bahwa situasi lingkungan eksternal dan The Bank realizes that the external and internal situation
internal perbankan mengalami perkembangan pesat yang in its scope undergo a rapid development that is also
diiringi pula dengan semakin kompleksnya risiko-risiko followed by even more complex risks that the bank has to
yang dihadapi Bank dalam menjalankan kegiatan usahanya. face in conducting its business. This pushes the Bank to
Hal ini mendorong Bank untuk terus meningkatkan keep improving its good corporate governance practices
praktek-praktek tata kelola perusahaan yang baik (good as well as an effective risk management in accordance to
corporate governance) serta pengelolaan risiko yang efektif the rules that apply concerning good corporate
sesuai dengan peraturan dan perundang-undangan berlaku governance and implementation of risk management for
yang mengatur tentang penerapan tata kelola serta commercial banks and public corporation
penerapan manajemen risiko bagi bank umum dan
perusahaan publik.
Bank telah menerapkan kebijakan manajemen risiko yang Bank has implemented an effective risk management policy
efektif dalam upaya merespon kondisi tersebut. to respond the above condition.
Pengawasan aktif dari Direksi dan Dewan Komisaris dalam Active supervision from Board of Directors and Board of
aktivitas manajemen risiko Bank secara langsung dan tidak Commissioners on Bank risk management activities
langsung diimplementasikan melalui pembentukan komite directly and indirectly implemented by forming some
di tingkat Dewan Komisaris yaitu Komite Pemantau Risiko, committees supervised by Board of Commissioners level,
Komite Audit, serta Komite Nominasi dan Remunerasi. namely Risk Monitoring Committee, Audit Committee and
Komite memiliki tugas dan tanggung jawab untuk Nomination and Remuneration Committee. The
melakukan kajian dan evaluasi atas kebijakan dan committees have the duty and responsibility to conduct
pelaksanaan manajemen risiko Bank. studies and evaluations of policies and implementation of
Bank risk management.
Implementasi manajemen risiko dilakukan melalui 4 pilar The implementation of risk management through 4 pillars
penerapan manajemen risiko yaitu: of the application of risk management, namely:
- Tata kelola risiko melalui pengawasan aktif Direksi dan - Risk governance through active supervision from the
Dewan Komisaris; Board of Directors and Board of Commissioners;
- Kerangka manajemen risiko melalui kecukupan - Risk management framework through adequacy of risk
kebijakan dan prosedur manajemen risiko serta management policies and procedures and setting limits;
penetapan limit;
- Proses manajemen risiko (identifikasi, pengukuran, - Risk management processes (risk identification,
pemantauan dan pengendalian risiko), kecukupan measurement, monitoring and control), adequacy of
sumber daya manusia, dan kecukupan sistem informasi human resources, and adequacy of management
manajemen; serta information systems; and
- Sistem pengendalian risiko yang menyeluruh. - Comprehensive risk control system
Sesuai ketentuan regulator, Bank mengelola dan In accordance with regulatory provisions, the Bank has
menerapkan manajemen risiko pada 8 jenis risiko yaitu: managed and implemented risk management on 8 types of
risks, namely:
1. Risiko Kredit; 1. Credit Risk;
2. Risiko Likuiditas; 2. Liquidity Risk;
3. Risiko Pasar; 3. Market Risk;
4. Risiko Operasional; 4. Operational Risk;
5. Risiko Hukum; 5. Legal Risk;
6. Risiko Reputasi; 6. Reputation Risk;
7. Risiko Strategis; dan 7. Strategic Risk; and
8. Risiko Kepatuhan. 8. Compliance Risk.
Untuk membantu pelaksanaan tugas penerapan manajemen To assist the implementation of risk management,
risiko, Bank telah membentuk Satuan Kerja Manajemen the Bank has formed a Risk Management Unit (SKMR).
Risiko (SKMR) yang independen terhadap Satuan Kerja SKMR are independent on Internal Audit (SKAI) and
Operasional maupun Satuan Kerja Audit Intern (SKAI) Operational Division with an aim that in general they can
agar pengelolaan risiko secara keseluruhan dapat dilakukan manage the risk integrated, focused, coordinated and
secara terpadu, terarah, terkoordinir dan continuously. As a way to manage the existing risks,
berkesinambungan. Dalam upaya mengelola risiko yang the Bank owned Risk Management Committee consisting of
ada, Bank telah memiliki Komite Manajemen Risiko yang Bank officials in charge of identifying, measuring,
terdiri dari pejabat-pejabat Bank yang terkait yang bertugas controlling and monitoring risk on a regular basis.
mengidentifikasi, mengukur, mengendalikan serta
melakukan pemantauan risiko secara berkala.
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Page 260
PT BANK OF INDIA INDONESIA TBK PT BANK OF INDIA INDONESIA TBK
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
UNTUK TAHUN YANG BERAKHIR FOR THE YEAR ENDED
PADA 31 DESEMBER 2024 DECEMBER 31, 2024
(Disajikan dalam Rupiah, kecuali dinyatakan lain) (Expressed in Rupiah, unless otherwise stated)
38. MANAJEMEN RISIKO (lanjutan) 38. RISK MANAGEMENT (continued)
Adapun SKMR memiliki fungsi utama untuk melakukan SKMR has the main function of conducting risk studies on
penelaahan risiko terhadap seluruh jenis risiko yang melekat all types of inherent risk as well as on the quality of risk
(risiko inheren) maupun terhadap kualitas penerapan management implementation on those risks. SKMR also
manajemen risiko pada risiko-risiko tersebut. SKMR juga undertake to prepare reports related with risk management
melakukan penyusunan laporan-laporan terkait manajemen i.e: risk profile and good corporate governance
risiko seperti laporan profil risiko serta laporan eksposur implementation. In addition, SKMR also reviews of
risiko dan permodalan. Selain itu SKMR juga melakukan launching new products or activities at Bank and performs
kajian atas rencana peluncuran produk atau aktivitas baru di a rating of credit proposal.
Bank serta melakukan evaluasi terhadap model
pemeringkatan kredit (credit rating) dalam perkreditan.
Selanjutnya untuk memantau efektivitas dari pelaksanaan To monitor the performance of Risk Management
tugas Komite Manajemen Risiko dan Satuan Kerja Committee and Risk Management Unit, the Bank has also
Manajemen Risiko, Bank juga telah membentuk Komite formed a Risk Monitoring Committee who is directly
Pemantau Risiko yang bertanggung jawab secara langsung responsible to Board of Commissioners.
kepada Dewan Komisaris.
Profil Risiko Risk Profile
Dalam penyusunan profil risiko, Bank secara garis besar On the risk profile report, the Bank outlines the activities
memetakan aktivitas yang memiliki risiko maupun potensi having risk or caring potential risks that may disrupt
risiko yang dapat mengganggu kelangsungan bisnis Bank. Bank’s business continuity.
Penilaian profil risiko Bank merupakan penilaian terhadap The assessment of Bank Risk Profile is an assessment of
8 jenis risiko yang melekat pada setiap aktivitas fungsional 8 types of risk which inherent to each functional activity
(inherent risk) dan kualitas penerapan manajemen risiko. namely inherent risk and risk control system.
Penilaian profil risiko dilakukan oleh Bank terhadap The risk profile assessment performed by the Bank against
8 risiko, yaitu: 8 risks namely:
1. Risiko Kredit mengelola kemungkinan kerugian yang 1. Credit Risk manage the possibility losses arising from
timbul akibat debitur gagal bayar atas pinjaman atau debtor who is failing to repay the loan or credit facility
fasilitas kredit yang diberikan dan/atau pihak lain dalam granted by and/or other party liabilities to Bank;
memenuhi kewajiban kepada Bank;
2. Risiko Likuiditas mengelola kemungkinan 2. Liquidity Risk manages the possibility of bank’s
ketidakmampuan bank untuk memenuhi kewajiban inability to fufill short-term liabilities that are due –
jangka pendek yang jatuh tempo terhadap deposan, against depositors, investors and creditors, as well as
investor dan kreditur, serta pemenuhan GWM dari fulfillment of GWM from cash flow funding sources
sumber pendanaan arus kas dan/atau dari aset likuid and/or high-quality liquid assets that can be pledged
berkualitas tinggi yang dapat diagunkan tanpa without disrupting activities and Bank finance
menganggu aktivitas dan kondisi keuangan Bank; condition;
3. Risiko Pasar mengelola kemungkinan kerugian pada 3. Market Risks manage the possibility losses on statement
laporan posisi keuangan dan rekening administratif Bank of financial position and administrative accounts of
termasuk derivatif akibat perubahan secara keseluruhan Bank including derivatives due to overall changes in
dari kondisi pasar, termasuk risiko perubahan harga market conditions, and also risk of changes option
option; price;
4. Risiko Operasional mengelola kemungkinan risiko 4. Operational Risks managing the possibility of risk due
akibat ketidakcukupan dan/atau tidak berfungsinya to inadequacy and/or malfunction of internal processes,
proses internal, kesalahan manusia, kegagalan sistem, human error, system failure, and/or the external events
dan/atau adanya kejadian-kejadian eksternal yang affecting the Bank’s operations;
mempengaruhi operasional Bank;
5. Risiko Hukum mengurangi kemungkinan kerugian dari 5. Legal Risk reduces the possibility of charges of lawsuits
tuntutan hukum atau kelemahan aspek yuridis seperti or juridicial aspects weakness such as the absence of
ketiadaan peraturan perundang-undangan yang supporting legislation or weakness of engagement due
mendukung atau kelemahan perikatan seperti tidak to the contract and collateral binding not comply with
dipenuhinya syarat sahnya kontrak atau pengikatan legalised requirement.
agunan yang tidak sempurna;
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Page 261
PT BANK OF INDIA INDONESIA TBK PT BANK OF INDIA INDONESIA TBK
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
UNTUK TAHUN YANG BERAKHIR FOR THE YEAR ENDED
PADA 31 DESEMBER 2024 DECEMBER 31, 2024
(Disajikan dalam Rupiah, kecuali dinyatakan lain) (Expressed in Rupiah, unless otherwise stated)
38. MANAJEMEN RISIKO (lanjutan) 38. RISK MANAGEMENT (continued)
Profil Risiko (lanjutan) Risk Profile (continued)
Penilaian profil risiko dilakukan oleh Bank terhadap The risk profile assessment performed by the Bank against
8 risiko, yaitu : (lanjutan) 8 risks namely: (continued)
6. Risiko Strategis mengurangi kemungkinan kerugian 6. Strategic Risks reduce the possibility of losses due to
akibat ketidaktepatan dalam pengambilan dan/atau inaccuracy in taking and/or execution of strategic
pelaksanaan suatu keputusan strategis serta kegagalan decision as well as failure in anticipating changes of
dalam mengantisipasi perubahan lingkungan bisnis; business environment;
7. Risiko Kepatuhan mengurangi kemungkinan kerugian 7. Compliance Risk reduces the possibility of losses due to
karena Bank tidak mematuhi atau tidak melaksanakan Bank’s failure to comply with or not to enforce the laws
peraturan perundang- undangan dan ketentuan; and regulations;
8. Risiko Reputasi mengurangi kemungkinan kerugian 8. Reputation Risk reduces the possibility of losses due to
akibat menurunnya tingkat kepercayaan pemangku decreased of stakeholder confidence caused by negative
kepentingan (stakeholder) yang bersumber dari persepsi perceptions of Bank.
negatif terhadap Bank.
Penilaian profil risiko Bank dilakukan secara triwulanan. The Bank's risk profile assessment is conducted in
Berdasarkan laporan hasil penilaian sendiri (self- quarterly basis. Based on the self-assessment report as of
assessment) posisi 31 Desember 2024, secara komposit December 31, 2024, the Bank's composite risk profile is
profil risiko Bank adalah Peringkat 2 dengan risiko inheren Rank 2 with aggregate inherent risk of Low to Moderate
agregat adalah Low to Moderate dan kualitas penerapan and aggregate risk management implementation quality of
manajemen risiko agregat adalah Satisfactory. Satisfactory.
Net Risk untuk risiko kredit adalah 2 (Low to Moderate) Net Risk for credit risk is 2 (Low To Moderate) with
dengan risiko inheren berada pada tingkat 3 (Moderate) dan inherent risk at level 3 (Moderate) and the quality of risk
kualitas penerapan manajemen risiko berada pada tingkat management implementation is at the level of 2
2 (Satisfactory).
1. Risiko Kredit 1. Credit Risk
Tujuan pengelolaan risiko kredit Bank selain untuk The Bank credit risk management objective other than to
memenuhi persyaratan-persyaratan yang telah ditetapkan meet the requirements set by the regulations of Bank
oleh peraturan Bank Indonesia dan Otoritas Jasa Indonesia and the Financial Services Authority is also to
Keuangan adalah juga untuk mengelola kemungkinan manage possible loss incurred due to debtor default on
kerugian yang timbul akibat debitur gagal bayar atas loans or credit facilities provided and other financial
pinjaman atau fasilitas kredit yang diberikan dan kontrak contracts is minimal as possible, both at the level of
keuangan lainnya seminimal mungkin, baik pada tingkat individual and overall credit portfolio.
individu maupun portofolio kredit secara keseluruhan.
Risiko kredit timbul dari kemungkinan kegagalan Credit risk arises from the possibility of counterparty
counterparty dalam memenuhi liabilitasnya kepada failure in fulfilling its liability to Bank. In managing
Bank. Dalam pengelolaan risiko kredit ini, kebijakan credit risk, Bank’s credit policies is directed to expand
perkreditan Bank diarahkan untuk melakukan ekspansi and manage the quality of each credit since day of
kredit dan mengelola kualitas setiap kredit sejak saat disbursement of credit until the repayment is completed
diberikan sampai dengan dilunasi untuk mencegah kredit in order to prevent it become non-performing loan
tersebut menjadi bermasalah (NPL). (NPL).
Bank menerapkan pengelolaan risiko kredit pada tingkat The Bank implements credit risk management at the
individu dan tingkat portofolio. Pada tingkat individu, individual level and portfolio level. At the individual
manajemen risiko kredit dilakukan oleh unit-unit kerja level, credit risk management is carried out by the
Bisnis, Legal, dan Analis Kredit. Sedangkan pada tingkat Business, Legal, and Credit Analyst work units. While at
portofolio, manajemen risiko kredit dilakukan oleh unit- the portfolio level, credit risk management is carried out
unit kerja Legal, manajemen risiko, dan kepatuhan. by the Legal, risk management, and compliance work
Mekanisme persetujuan kredit dilakukan melalui rapat units. The credit approval mechanism is carried out
Komite Kredit. Komite Kredit merupakan organ dalam through the Credit Committee meeting. The Credit
Bank pengambil keputusan pemberian kredit yang Committee is an organ within the Bank that makes credit
beranggotakan Direksi dan unit kerja terkait. granting decisions consisting of the Board of Directors
and related work units.
- 91 -
Page 262
PT BANK OF INDIA INDONESIA TBK PT BANK OF INDIA INDONESIA TBK
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
UNTUK TAHUN YANG BERAKHIR FOR THE YEAR ENDED
PADA 31 DESEMBER 2024 DECEMBER 31, 2024
(Disajikan dalam Rupiah, kecuali dinyatakan lain) (Expressed in Rupiah, unless otherwise stated)
38. MANAJEMEN RISIKO (lanjutan) 38. RISK MANAGEMENT (continued)
Profil Risiko (lanjutan) Risk Profile (continued)
1. Risiko Kredit (lanjutan) 1. Credit Risk (continued)
Bank telah memiliki kebijakan dan pedoman tertulis The Bank has written policies and guidelines related to
terkait dengan kegiatan perkreditan yang antara lain credit activities which among others regulate credit
mengatur prosedur pengajuan kredit, analisis kredit, proposal procedure, credit analysis, credit approval,
persetujuan kredit, pencatatan dan pengawasan kredit, credit recording and supervision, and credit
dan restrukturisasi kredit. Kebijakan tersebut restructuring. The policy provides complete and detailed
memberikan pedoman secara lengkap dan terperinci atas guidelines on credit management activities from the time
kegiatan manajemen kredit dari saat pengajuan kredit, of credit application, the process of analysis, approval,
proses analisis, persetujuan, pemantauan, monitoring, documentation, rescue control
pendokumentasian, pengendalian penyelamatan (restructuring) and settlement of NPL.
(restrukturisasi) dan penyelesaian kredit bermasalah.
Bank juga telah menerapkan standar dan prosedur untuk The Bank has implemented procedures and standards to
mendukung terciptanya suatu proses pemberian kredit support the process of granting credit based on risk and
yang mempertimbangkan risiko dan perolehan hasil. yields. The Bank measures and monitors the risk for
Bank mengukur dan memantau risiko untuk setiap every debtor individually, the economic sector as well as
debitur baik secara individual, sektor ekonomi maupun the entire loan portfolio by applying a consistent four-
seluruh portofolio kredit dengan menerapkan four-eyes eyes principle.
principle secara konsisten
Bank senantiasa melakukan pemantauan terhadap The Bank keeps on monitoring the development of credit
perkembangan portofolio risiko kredit melalui laporan risk portfolio through quaterly risk profile reports which
profil risiko yang disusun secara triwulanan yang is a composite assessment of inherent risk and quality of
merupakan penilaian komposit dari penilaian terhadap risk management implementation, which is specifically
risiko inheren dan kualitas penerapan manajemen risiko, regulated by Financial Services Authority (OJK).
di mana hal ini secara khusus diatur oleh Otoritas Jasa
Keuangan (OJK).
Parameter penilaian yang dilakukan dalam penilaian The evaluation parameters carried out in the assessment
profil risiko kredit antara lain tingkat konsentrasi kredit of credit risk profiles, among others, concentration of
berdasarkan sektor ekonomi tertentu, kualitas kredit credit based on particular economic sectors, quality of
bermasalah, konsentrasi pembelian surat berharga, non-performing loans, concentration of securities
kecukupan cadangan dan agunan. procurement, adequacy of reserves and collateral.
- 92 -
Page 263
PT BANK OF INDIA INDONESIA TBK PT BANK OF INDIA INDONESIA TBK
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
UNTUK TAHUN YANG BERAKHIR FOR THE YEAR ENDED
PADA 31 DESEMBER 2024 DECEMBER 31, 2024
(Disajikan dalam Rupiah, kecuali dinyatakan lain) (Expressed in Rupiah, unless otherwise stated)
38. MANAJEMEN RISIKO (lanjutan) 38. RISK MANAGEMENT (continued)
Profil Risiko (lanjutan) Risk Profile (continued)
1. Risiko Kredit (lanjutan) 1. Credit Risk (continued)
Berikut ini adalah tabel dari eksposur maksimum Below is the table of maximum exposure to credit risk,
terhadap risiko kredit, analisis risiko konsentrasi kredit concentration of credit risk analysis and credit
dan konsentrasi kredit berdasarkan jenis debitur: concentration by type of debtors:
i. Eksposur maksimum terhadap risiko kredit i. Maximum exposure to credit risk
31 Desember/ 31 Desember/
December 31, December 31,
2024 2023
Laporan posisi keuangan Statement of financial position
Giro pada Bank Indonesia 150.335.811.997 189.005.478.214 Current accounts with Bank Indonesia
Giro pada bank lain 7.269.818.799 7.665.161.682 Current accounts with other banks
Penempatan pada Bank 103.984.837.756 229.674.724.871 Placements with Bank Indonesia and
Indonesia dan lain other banks
Efek-efek 1.962.740.993.730 1.113.742.165.330 Marketable securities
Efek-efek yang dibeli dengan 266.444.326.913 719.191.965.012 Securities purchased under agreements
janji dijual kembali to resell
Tagihan derivatif 1.349.500.000 153.100.000 Derivative receivables
Kredit yang diberikan - bersih 4.021.234.066.302 3.549.205.615.437 Loans – net
Sub jumlah 6.513.359.355.497 5.808.638.210.546 Sub total
Komitmen dan kontinjensi Commitments and contingencies
Fasilitas kredit kepada nasabah 220.194.863.030 317.738.131.145 Unused loan commitments granted to
yang belum digunakan customers
Bank garansi yang diterbitkan 30.418.043.022 19.930.559.178 Bank guarantees issued
L/C yang irrevocable dan - 1.392.939.029 Outstanding irrevocable letters of credit
masih berjalan
Sub jumlah 250.612.906.052 339.061.629.352 Sub total
Jumlah 6.763.972.261.549 6.147.699.839.898 Total
- 93 -
Page 264
PT BANK OF INDIA INDONESIA TBK PT BANK OF INDIA INDONESIA TBK
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
UNTUK TAHUN YANG BERAKHIR FOR THE YEAR ENDED
PADA 31 DESEMBER 2024 DECEMBER 31, 2024
(Disajikan dalam Rupiah, kecuali dinyatakan lain) (Expressed in Rupiah, unless otherwise stated)
38. MANAJEMEN RISIKO (lanjutan) 38. RISK MANAGEMENT (continued)
Profil Risiko (lanjutan) Risk Profile (continued)
1. Risiko Kredit (lanjutan) 1. Credit Risk (continued)
ii. Analisis risiko konsentrasi kredit (lanjutan) ii. Concentration of credit risk analysis (continued)
Konsentrasi kredit yang diberikan berdasarkan jenis Concentration of credit risk of loans by type of loans,
kredit, dan sektor ekonomi. and economic sector.
Tabel berikut menyajikan konsentrasi kredit The following table presents the credit concentration
berdasarkan jenis kredit yang diberikan: by type of loans:
31 Desember/ December 31
2024 2023
Jumlah/Total % Jumlah/Total %
Modal kerja 3.932.959.904.861 94,99% 3.471.223.089.696 93,41% Working capital
Investasi 179.651.724.907 4,34% 213.300.815.362 5,74% Investment
Konsumsi 27.699.514.768 0,67% 31.629.712.644 0,85% Consumption
Jumlah 4.140.311.144.536 100,00% 3.716.153.617.702 100,00% Total
Tabel berikut menyajikan konsentrasi kredit untuk The following table presents the loan’s credit
kredit yang diberikan berdasarkan sektor ekonomi: concentration by economic sector:
31 Desember/ December 31
2024 2023
Jumlah / Total % Jumlah / Total %
Jasa bisnis 1.313.090.966.555 31,71% 1.425.583.115.618 38,36% Business services
Perdagangan 1.115.683.106.758 26,95% 1.105.602.696.616 29,75% Trade
Manufaktur 863.384.689.388 20,85% 601.012.638.911 16,17% Manufacturing
Pertambangan 246.598.828.210 5,96% 267.423.949.640 7,20% Mining
Transportasi 141.442.428.052 3,42% 137.982.094.304 3,71% Transportation
Konstruksi 88.022.006.692 2,13% 88.637.396.658 2,39% Construction
Jasa pelayanan 1.759.208.522 0,04% 6.395.159.498 0,17% Public services
Pertanian 415.292.906 0,01% 25.042.706 0,00% Agriculture
Lain-lain 369.914.617.453 8,93% 83.491.523.751 2,25% Others
Jumlah 4.140.311.144.536 100,00% 3.716.153.617.702 100,00% Total
Penilaian Bank atas Net Risk untuk risiko kredit The Bank's assessment of Net Risk for credit risk is
adalah 2 (Low To Moderate) dengan pertimbangan 2 (Low To Moderate) with consideration, among
antara lain Bank telah melakukan usaha perbaikan others, that the Bank has made efforts to improve
proses bisnis, adanya peningkatan kredit baru secara business processes, there is a measurable increase
terukur, realisasi Non-Performing Loan (NPL) Net in new loans, the realization of Net Non-Performing
berada di bawah batas regulator 5%, dan persentase Loan (NPL) is below the 5% regulatory limit, and
Loan At Risk (LAR) yang mengalami penurunan. the percentage of Loan At Risk (LAR) has decreased.
- 94 -
Page 265
PT BANK OF INDIA INDONESIA TBK PT BANK OF INDIA INDONESIA TBK
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
UNTUK TAHUN YANG BERAKHIR FOR THE YEAR ENDED
PADA 31 DESEMBER 2024 DECEMBER 31, 2024
(Disajikan dalam Rupiah, kecuali dinyatakan lain) (Expressed in Rupiah, unless otherwise stated)
38. MANAJEMEN RISIKO (lanjutan) 38. RISK MANAGEMENT (continued)
Profil Risiko (lanjutan) Risk Profile (continued)
2. Risiko Likuiditas 2. Liquidity Risk
Risiko likuiditas adalah risiko akibat ketidakmampuan Liquidity risk is a risk due to the inability of Bank to
Bank melikuidasi aset tanpa terkena diskon yang material liquidate assets without being exposed to material
karena tidak adanya pasar aktif atau adanya gangguan discounts due to absence of an active market or market
pasar yang parah (market liquidity risk). liquidity risk.
31 Desember/ 31 Desember/
December 31, December 31,
2024 2023
Kas 14.060.906.255 11.454.169.225 Cash
Giro, penempatan, sertifikat 261.590.468.552 426.345.364.767 Current accounts, placement, certificates
Bank Indonesia of Bank Indonesia
Jumlah aset likuid 275.651.374.807 437.799.533.992 Total liquid assets
Simpanan dari nasabah 3.102.705.925.558 2.700.802.105.052 Deposits from customers
Rasio likuiditas 8,88% 16,21% Liquidity ratio
- 95 -
Page 266
PT BANK OF INDIA INDONESIA TBK PT BANK OF INDIA INDONESIA TBK
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
UNTUK TAHUN YANG BERAKHIR FOR THE YEAR ENDED
PADA 31 DESEMBER 2024 DECEMBER 31, 2024
(Disajikan dalam Rupiah, kecuali dinyatakan lain) (Expressed in Rupiah, unless otherwise stated)
38. MANAJEMEN RISIKO (lanjutan) 38. RISK MANAGEMENT (continued)
Profil Risiko (lanjutan) Risk Profile (continued)
2. Risiko Likuiditas (lanjutan) 2. Liquidity Risk (continued)
Analisa perbedaan jatuh tempo aset dan liabilitas Maturity mismatch analysis between financial assets
keuangan and liabilities
Tabel di bawah ini menyajikan analisa jatuh tempo aset The table below shows the maturity analysis between
dan liabilitas Bank pada tanggal 31 Desember 2024 dan financial assets and liabilities as of December 31, 2024
2023, berdasarkan jangka waktu yang tersisa sampai and 2023 based on the remaining period to the
tanggal jatuh tempo kontrak dan asumsi perilaku contractual maturity date and behavior assumptions:
(behavior assumptions):
31 Desember/ December 31, 2024
> 3 bulan s.d > 1 tahun s.d
Sampai dengan 12 bulan/ 5 tahun/
3 bulan/ > 3 months to > 1 year > 5 tahun/ Jumlah/
Up to 3 months 12 months to 5 years > 5 years Total
Aset/Asset
Tanpa suku bunga/
Without interest
Kas/Cash 14.060.906.255 - - - 14.060.906.255
Giro pada Bank 150.335.811.997 - - - 150.335.811.997
Indonesia/ Current
accounts with Bank
Indonesia
Tagihan derivatif/ 1.349.500.000 - - - 1.349.500.000
Derivative
receivables
Tagihan akseptasi/ - - - - -
Acceptamce
receivables
Suku bunga variabel/
Variable interest
Giro pada bank lain/ 7.269.818.799 7.269.818.799
Current accounts
with other banks
Kredit/ Loans 961.757.686.188 1.773.099.695.829 942.972.277.773 462.481.484.746 4.140.311.144.536
Dikurangi/Less:
Cadangan kerugian (119.077.078.234) - - - (119.077.078.234)
penurunan nilai/
Allowance for
impairment losses
Suku bunga tetap/ Fixed
interest
Penempatan pada 103.984.837.756 - - - 103.984.837.756
Bank Indonesia dan
bank lain/
Placements with
Bank Indonesia and
other banks
Efek-efek/ Marketable 198.459.917.294 1.462.194.633.006 302.086.443.430 - 1.962.740.993.730
securities
Efek-efek yang dibeli 266.444.326.913 - - - 266.444.326.913
dengan janji dijual
kembali/ Securities
purchased under
agreements to resell
Jumlah Aset (saldo 1.584.585.726.968 3.235.294.328.835 1.245.058.721.203 462.481.484.746 6.527.420.261.752
dipindahkan) / Total
Assets (balance carry
forward)
- 96 -
Page 267
PT BANK OF INDIA INDONESIA TBK PT BANK OF INDIA INDONESIA TBK
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
UNTUK TAHUN YANG BERAKHIR FOR THE YEAR ENDED
PADA 31 DESEMBER 2024 DECEMBER 31, 2024
(Disajikan dalam Rupiah, kecuali dinyatakan lain) (Expressed in Rupiah, unless otherwise stated)
38. MANAJEMEN RISIKO (lanjutan) 38. RISK MANAGEMENT (continued)
Profil Risiko (lanjutan) Risk Profile (continued)
2. Risiko Likuiditas (lanjutan) 2. Liquidity Risk (continued)
Analisa perbedaan jatuh tempo aset dan liabilitas Maturity mismatch analysis between financial assets
keuangan (lanjutan) and liabilities (continued)
Tabel di bawah ini menyajikan analisa jatuh tempo aset The table below shows the maturity analysis between
dan liabilitas Bank pada tanggal 31 Desember 2024 dan financial assets and liabilities as of December 31, 2024
2023, berdasarkan jangka waktu yang tersisa sampai and 2023 based on the remaining period to the
tanggal jatuh tempo kontrak dan asumsi perilaku contractual maturity date and behavior assumptions:
(behavior assumptions): (lanjutan) (continued)
31 Desember/ December 31, 2024
> 3 bulan s.d > 1 tahun s.d
Sampai dengan 12 bulan/ 5 tahun/
3 bulan/ > 3 months to > 1 year > 5 tahun/ Jumlah/
Up to 3 months 12 months to 5 years > 5 years Total
Jumlah Aset (saldo 1.584.585.726.968 3.235.294.328.835 1.245.058.721.203 462.481.484.746 6.527.420.261.752
pindahan)/ Total Assets
(balance carry forward)
Liabilitas/Liabilities
Tanpa suku bunga/ Without
interest
Liabilitas segera/ 718.159.211 - - - 718.159.211
Obligation due
immediately
Liabilitas derivatif/ 2.204.270.813 - - - 2.204.270.813
Derivative liabilities
Liabilitas akseptasi/ - - - - -
Acceptances payables
Suku bunga variabel/ - - - - -
Variable interest
Simpanan dari nasabah - - - - -
(Giro dan tabungan)/
Deposits from
customers (Demand
and savings accounts)
Simpanan dari bank lain 209.296.585.611 - - - 209.296.585.611
(Giro)/ Deposits from
other banks (Current
accounts)
Suku bunga tetap/ Fixed - - - - -
interest
Simpanan dari nasabah 1.919.658.396.039 605.131.051.839 - - 2.524.789.447.878
(Deposito berjangka)/
Deposits from
customers (Time
deposits)
Jumlah Liabilitas/ Total 2.131.877.411.674 605.131.051.839 - - 2.737.008.463.513
Liabilities
Jumlah Aset - Bersih/ (547.291.684.706) 2.630.163.276.996 1.245.058.721.203 462.481.484.746 3.790.411.798.239
Total Assets – Net
- 97 -
Page 268
PT BANK OF INDIA INDONESIA TBK PT BANK OF INDIA INDONESIA TBK
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
UNTUK TAHUN YANG BERAKHIR FOR THE YEAR ENDED
PADA 31 DESEMBER 2024 DECEMBER 31, 2024
(Disajikan dalam Rupiah, kecuali dinyatakan lain) (Expressed in Rupiah, unless otherwise stated)
38. MANAJEMEN RISIKO (lanjutan) 38. RISK MANAGEMENT (continued)
Profil Risiko (lanjutan) Risk Profile (continued)
2. Risiko Likuiditas (lanjutan) 2. Liquidity Risk (continued)
Analisa perbedaan jatuh tempo aset dan liabilitas Maturity mismatch analysis between financial assets
keuangan (lanjutan) and liabilities (continued)
Tabel di bawah ini menyajikan analisa jatuh tempo aset The table below shows the maturity analysis between
dan liabilitas Bank pada tanggal 31 Desember 2024 dan financial assets and liabilities as of December 31, 2024
2023, berdasarkan jangka waktu yang tersisa sampai and 2023 based on the remaining period to the
tanggal jatuh tempo kontrak dan asumsi perilaku contractual maturity date and behavior assumptions:
(behavior assumptions): (lanjutan) (continued)
31 Desember/ December 31, 2023
> 3 bulan s.d > 1 tahun s.d
Sampai dengan 12 bulan/ 5 tahun/
3 bulan/ > 3 months to > 1 year > 5 tahun/ Jumlah/
Up to 3 months 12 months to 5 years > 5 years Total
Aset/Asset
Tanpa suku bunga/
Without interest
Kas/Cash 11.454.169.225 - - - 11.454.169.225
Giro pada Bank 189.005.478.214 - - - 189.005.478.214
Indonesia/ Current
accounts with Bank
Indonesia
Tagihan derivatif/ 153.100.000 - - - 153.100.000
Derivative
receivables
Tagihan akseptasi/ 1.296.935.193 - - - 1.296.935.193
Acceptamce
receivables
Suku bunga variabel/
Variable interest
Giro pada bank lain/ 7.665.161.682 - - - 7.665.161.682
Current accounts
with other banks
Kredit/ Loans 660.283.605.854 1.512.595.592.223 1.117.776.720.489 425.497.699.136 3.716.153.617.702
Dikurangi/Less:
Cadangan kerugian (166.948.002.265) - - - (166.948.002.265)
penurunan nilai/
Allowance for
impairment losses
Suku bunga tetap/ Fixed
interest
Penempatan pada 229.674.724.871 - - - 229.674.724.871
Bank Indonesia dan
bank lain/
Placements with
Bank Indonesia and
other banks
Efek-efek/ Marketable 252.095.445.195 861.646.720.135 - - 1.113.742.165.330
securities
Efek-efek yang dibeli 719.191.965.012 - - - 719.191.965.012
dengan janji dijual
kembali/ Securities
purchased under
agreements to resell
Jumlah Aset (saldo 1.903.872.582.981 2.374.242.312.358 1.117.776.720.489 425.497.699.136 5.821.389.314.964
dipindahkan) / Total
Assets (balance carry
forward)
- 98 -
Page 269
PT BANK OF INDIA INDONESIA TBK PT BANK OF INDIA INDONESIA TBK
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
UNTUK TAHUN YANG BERAKHIR FOR THE YEAR ENDED
PADA 31 DESEMBER 2024 DECEMBER 31, 2024
(Disajikan dalam Rupiah, kecuali dinyatakan lain) (Expressed in Rupiah, unless otherwise stated)
38. MANAJEMEN RISIKO (lanjutan) 38. RISK MANAGEMENT (continued)
Profil Risiko (lanjutan) Risk Profile (continued)
2. Risiko Likuiditas (lanjutan) 2. Liquidity Risk (continued)
Tabel di bawah ini menyajikan analisa jatuh tempo aset The table below shows the maturity analysis between
dan liabilitas Bank pada tanggal 31 Desember 2024 dan financial assets and liabilities as of December 31, 2024
2023, berdasarkan jangka waktu yang tersisa sampai and 2023 based on the remaining period to the
tanggal jatuh tempo kontrak dan asumsi perilaku contractual maturity date and behavior assumptions:
(behavior assumptions): (lanjutan) (continued)
31 Desember/ December 31, 2023
> 3 bulan s.d > 1 tahun s.d
Sampai dengan 12 bulan/ 5 tahun/
3 bulan/ > 3 months to > 1 year > 5 tahun/ Jumlah/
Up to 3 months 12 months to 5 years > 5 years Total
Jumlah Aset (saldo 1.903.872.582.981 2.374.242.312.358 1.117.776.720.489 425.497.699.136 5.821.389.314.964
pindahan)/ Total Assets
(balance carry forward)
Liabilitas/Liabilities
Tanpa suku bunga/ Without
interest
Liabilitas segera/ 1.297.539.962 - - - 1.297.539.962
Obligation due
immediately
Liabilitas derivatif/ 97.120.658 - - - 97.120.658
Derivative liabilities
Liabilitas akseptasi/ 1.296.935.193 - - - 1.296.935.193
Acceptances payables
Suku bunga variabel/
Variable interest
Simpanan dari nasabah - - - - -
(Giro dan tabungan)/
Deposits from
customers (Demand
and savings accounts)
Simpanan dari bank lain 43.747.469 - - - 43.747.469
(Giro)/ Deposits from
other banks (Current
accounts)
Suku bunga tetap/ Fixed
interest
Simpanan dari nasabah 1.810.894.333.310 360.778.036.009 5.779.000.000 - 2.177.451.369.319
(Deposito berjangka)/
Deposits from
customers (Time
deposits)
Jumlah Liabilitas/ Total 1.813.629.676.592 360.778.036.009 5.779.000.000 - 2.180.186.712.601
Liabilities
Jumlah Aset - Bersih/ 90.242.906.389 2.013.464.276.349 1.111.997.720.489 425.497.699.136 3.641.202.602.363
Total Assets – Net
- 99 -
Page 270
PT BANK OF INDIA INDONESIA TBK PT BANK OF INDIA INDONESIA TBK
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
UNTUK TAHUN YANG BERAKHIR FOR THE YEAR ENDED
PADA 31 DESEMBER 2024 DECEMBER 31, 2024
(Disajikan dalam Rupiah, kecuali dinyatakan lain) (Expressed in Rupiah, unless otherwise stated)
38. MANAJEMEN RISIKO (lanjutan) 38. RISK MANAGEMENT (continued)
Profil Risiko (lanjutan) Risk Profile (continued)
2. Risiko Likuiditas (lanjutan) 2. Liquidity Risk (continued)
Penilaian profil risiko Bank dilakukan per triwulan. The Bank's risk profile assessment is conducted
Berdasarkan laporan hasil penilaian sendiri quarterly. Based on the self-assessment report on
(self-assessment) posisi 31 Desember 2024, Net Risk December 31, 2024, Net Risk for liquidity risk is 2 (Low
untuk risiko likuiditas adalah 2 (Low To Moderate) To Moderate) with inherent risk at level 2 (Low To
dengan risiko inheren berada pada tingkat 2 (Low To Moderate) and the quality of risk management
Moderate) dan kualitas penerapan manajemen risiko implementation is at level 2 (Satisfactory), which is
berada pada tingkat 2 (Satisfactory), yang didasarkan based on considerations including:
pada pertimbangan antara lain :
- Liquidity Coverage Ratio posisi 31 Desember 2024 - Liquidity Coverage Ratio as of December 31, 2024 is
adalah 1.526,15%. Dengan kondisi lebih dari 100% 1,526.15%. With this condition of more than 100%,
ini maka risiko likuiditas Bank masuk kategori rendah the Bank's liquidity risk is categorized as low and very
dan sangat likuid; liquid.;
- Net Stable Funding Ratio (NSFR) posisi 31 Desember - The Net Stable Funding Ratio (NSFR) as of December
2024 adalah 215,52% lebih tinggi dari batas menurut 31, 2024 was 215.52% higher than the minimum limit
OJK minimal 100%; according to OJK of 100%.;
- Bank menempatkan idle fund pada instrumen aset - Banks place idle funds on SBI instruments in
keuangan dalam jumlah yang cukup untuk sufficient amounts to anticipate daily liquidity
mengantisipasi kebutuhan likuiditas harian; requirements;
- Tingkat kestabilan simpanan dana pihak ketiga pada - The level of stability of third parties funds in Bank is
Bank berada pada angka 209% sesuai data historis at 209% according to historical data one year back;
satu tahun ke belakang;
- Dalam hal sumber pendanaan alternatif, Bank juga - In the case of alternative funding sources, Bank is
didukung oleh perusahaan induk yang siap membantu also supported by a parent company that is ready to
likuiditas Bank dalam kondisi darurat. assist Bank's liquidity in an emergency.
3. Risiko Pasar 3. Market Risk
Potensi timbulnya kerugian yang diakibatkan perubahan Potential losses arising from changes in market factors
faktor pasar yang tidak sesuai dengan posisi yang diambil that are not in accordance with positions taken by Bank
oleh Bank baik pada posisi aset dan liabilitas keuangan both in financial assets and liabilities position and
dan rekening administratif. Risiko pasar melekat pada administrative accounts. Market risk is inherent to
hampir seluruh aktivitas Bank, baik trading book maupun almost all bank activities, both trading book and banking
banking book yang mencakup risiko suku bunga dan book covering interest rate risk and exchange rate risk.
risiko nilai tukar.
Risiko pasar dikelola dalam batas risiko secara Market risk is managed within the overall risk limit. All
menyeluruh. Seluruh aktivitas perdagangan sehubungan trading activities in connection with foreign exchange,
dengan pertukaran mata uang asing, derivatif, dan pasar derivatives, and money markets is monitored on a daily
uang dipantau tiap hari dan dikaji dengan basis mark to basis and reviewed on a mark to market basis within the
market sesuai limit yang telah ditetapkan. Pengelolaan prescribed limit. Market risk management formed
risiko pasar dilakukan melalui koordinasi beberapa unit through coordination of several units namely Risk
kerja terkait yaitu unit-unit kerja tresuri, operasional, dan Management Division, Treasury Division and
manajemen risiko. Operational Division responsible to Operational
Director.
Pengukuran potensi risiko pasar untuk pengendalian The measurement of market risk potential to internal
internal Bank dilakukan secara harian Value at Risk (VaR) control Bank is performed on daily basis at Value at Risk
Methodology, sedangkan pengukuran dalam rangka (VaR) Methodology, meanwhile the measurement to
perhitungan Kewajiban Penyediaan Modal Minimum calculate the Minimum Capital Adequacy Ratio is
dilakukan secara bulanan menggunakan metode standar. performed on monthly basis using the Bank standard
Bank juga melakukan pengukuran risiko suku bunga pada method. Bank also monitors interest rate risk on banking
banking book secara bulanan menggunakan Assets & book on a monthly basis using Assets & Liabilities Gap
Liabilities Gap Report serta pengukuran risiko nilai tukar Report as well as measurement of exchange rate risk on
pada banking book melalui perhitungan Posisi Devisa the banking book on Net Open Position (PDN) daily and
Neto (PDN) secara harian dan bulanan sesuai ketentuan monthly calculation according to regulator’s provision.
regulator.
- 100 -
Page 271
PT BANK OF INDIA INDONESIA TBK PT BANK OF INDIA INDONESIA TBK
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
UNTUK TAHUN YANG BERAKHIR FOR THE YEAR ENDED
PADA 31 DESEMBER 2024 DECEMBER 31, 2024
(Disajikan dalam Rupiah, kecuali dinyatakan lain) (Expressed in Rupiah, unless otherwise stated)
38. MANAJEMEN RISIKO (lanjutan) 38. RISK MANAGEMENT (continued)
Profil Risiko (lanjutan) Risk Profile (continued)
3. Risiko Pasar (lanjutan) 3. Market Risk (continued)
Risiko Nilai Tukar Forex Risk
Risiko nilai tukar merupakan risiko yang timbul dari Forex risk is the risk arises from foreign exchange
transaksi valuta asing baik dari posisi laporan posisi transactions from both on and off-statement of financial
keuangan maupun di luar. position.
Dalam melakukan pengelolaan risiko nilai tukar, Bank In managing the exchange rate risk, Bank guided by
berpedoman pada Peraturan Bank Indonesia Bank Indonesia Regulation No. 17/5/PBI/2015
No. 17/5/PBI/2015 tentang Perubahan Keempat Atas regarding the Fourth Amendment to Bank Indonesia
Peraturan Bank Indonesia No. 5/13/PBI/2003 tentang Regulation No. 5/13/PBI/2003 concerning Net Open
Posisi Devisa Neto Bank Umum, bank umum Position for Commercial Banks which it is required to
diwajibkan untuk memelihara Posisi Devisa Netonya maintain their net open positions at the maximum 20%
setinggi-tingginya 20% dari modal. Berdasarkan of the capital. Based on the guidelines of Bank
pedoman Bank Indonesia, “Posisi Devisa Neto” Indonesia, “net open position” is the sum of absolute
merupakan penjumlahan dari nilai absolut atas selisih value comes from net difference on assets and liabilities
neto aset dan liabilitas untuk setiap mata uang asing dan for each foreign currency and net difference between
selisih neto tagihan dan liabilitas, berupa komitmen dan claims and liabilities among others commitments and
kontinjensi di rekening administratif, untuk setiap mata contingencies in administrative accounts, for each
uang, yang semuanya dinyatakan dalam Rupiah. currency, all stated in Rupiah.
Berikut ini disajikan rincian Posisi Devisa Neto (PDN) Following is the Bank’s Net Open Position (PDN):
Bank:
2024
Liabilitas dan
Aset dan tagihan Liabilitas
komitmen dan komitmen dan
kontinjensi/ kontinjensi/
Assets, Liabilities,
commitment and commitment and
Contingent contingent Neto - absolut/
Mata uang asing Receivables Liabilities Net – absolute Foreign currencies
Rp000 Rp000 Rp000
Dollar Amerika Serikat 1.278.031.613.115 1.272.732.801.162 5.298.811.953 United States Dollar
Dollar Singapura 134.298.292 134.298.292 Singapore Dollar
Yen Jepang 124.250.883 124.250.883 Japanese Yen
Dollar Hongkong 78.433.297 78.433.297 Hongkong Dollar
Euro Eropa 112.870.932 112.870.932 Euro European
Pound Sterling Inggris 106.943.137 106.943.137 Great Britain Pound Sterling
India Rupee 36.967.207 36.967.207 Indian Rupee
Jumlah 1.278.625.376.863 1.272.732.801.162 5.892.575.701 Total
Modal 3.316.089.000.000 Capital
Persentase PDN 0,18% Percentage of PDN to
terhadap modal capital
- 101 -
Page 272
PT BANK OF INDIA INDONESIA TBK PT BANK OF INDIA INDONESIA TBK
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
UNTUK TAHUN YANG BERAKHIR FOR THE YEAR ENDED
PADA 31 DESEMBER 2024 DECEMBER 31, 2024
(Disajikan dalam Rupiah, kecuali dinyatakan lain) (Expressed in Rupiah, unless otherwise stated)
38. MANAJEMEN RISIKO (lanjutan) 38. RISK MANAGEMENT (continued)
Profil Risiko (lanjutan) Risk Profile (continued)
3. Risiko Pasar (lanjutan) 3. Market Risk (continued)
Risiko Nilai Tukar (lanjutan) Forex Risk (continued)
Berikut ini disajikan rincian Posisi Devisa Neto (PDN) Following is the Bank’s Net Open Position (PDN):
Bank: (lanjutan) (continued)
2023
Liabilitas dan
Aset dan tagihan Liabilitas
komitmen dan komitmen dan
kontinjensi/ kontinjensi/
Assets, Liabilities,
commitment and commitment and
Contingent contingent Neto - absolut/
Mata uang asing Receivables Liabilities Net – absolute Foreign currencies
Rp000 Rp000 Rp000
Dollar Amerika Serikat 807.790.493.531 800.545.588.850 7.244.904.681 United States Dollar
Dollar Singapura 32.176.957 - 32.176.957 Singapore Dollar
Yen Jepang 86.709.574 - 86.709.574 Japanese Yen
Dollar Hongkong 43.028.297 - 43.028.297 Hongkong Dollar
Euro Eropa 108.585.213 - 108.585.213 Euro European
Pound Sterling Inggris 132.322.268 - 132.322.268 Great Britain Pound Sterling
India Rupee 176.021.244 - 176.021.244 Indian Rupee
Jumlah 808.369.337.084 800.545.588.850 7.823.748.234 Total
Modal 3.316.089.000.000 Capital
Persentase PDN 0,24% Percentage of PDN to
terhadap modal capital
Batas nilai (absolut) PDN pada tanggal 31 Desember The (absolute) limit of NPL as of December 31, 2023 and
2024 dan 2023 masing-masing sebesar Rp5.892 juta dan 2024 amounted to Rp5,892 million and Rp7,824 million,
Rp7.824 juta. Pada tanggal 31 Desember 2024 dan 2023 respectively. As of December 31, 2024 and 2023, there
tidak terdapat pelampauan dari batas nilai (absolut) PDN were no exceedances of the (absolute) NPL limit
yang diperkenankan oleh Bank Indonesia. permitted by Bank Indonesia.
Dalam pengelolaan risiko pasar sebagai dampak dari To minimise the impact of changes in interest rate on the
perubahan risiko suku bunga terhadap pendapatan Bank, Bank’s earnings, the Bank seeks to reduce the gap
Bank mencoba mengurangi gap antara aset dan liabilitas between rate of sensitive assets (RSA) and rate of
yang sensitif terhadap suku bunga. Apabila terjadi sensitive liabilities (RSL). If interest rates move parallel
perubahan suku bunga secara paralel pada aset dan in both assets and liabilities, the Bank is not exposed to
liabilitas, Bank tidak terekspos risiko suku bunga yang too much interest rate risk.
terlalu besar.
Sensitivitas Suku Bunga Interest Rate Sensitivitiy
Analisa sensitivitas suku bunga diukur dengan Interest rate sensitivity analysis measured by Bank’s
kemampuan ekses modal Bank untuk menyerap potential excess capital ability to absorb potential loss from
loss dari perubahan suku bunga, yaitu membuat asumsi interest rate movements i.e: making assumptions about
perubahan/fluktuasi suku bunga. Fluktuasi suku bunga interest rate/movement. The interest rate fluctuation
dipilih mana lebih tinggi antara asumsi fluktuasi masing- chosen is higher for the interest rate assumption for
masing suku bunga laporan posisi keuangan Rupiah dan Rupiah statement of financial position and forex
laporan posisi keuangan valas berdasarkan historical statement of financial position based on historical data
data selama setahun ke belakang. for the preceding one year.
- 102 -
Page 273
PT BANK OF INDIA INDONESIA TBK PT BANK OF INDIA INDONESIA TBK
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
UNTUK TAHUN YANG BERAKHIR FOR THE YEAR ENDED
PADA 31 DESEMBER 2024 DECEMBER 31, 2024
(Disajikan dalam Rupiah, kecuali dinyatakan lain) (Expressed in Rupiah, unless otherwise stated)
38. MANAJEMEN RISIKO (lanjutan) 38. RISK MANAGEMENT (continued)
Profil Risiko (lanjutan) Risk Profile (continued)
3. Risiko Pasar (lanjutan) 3. Market Risk (continued)
Sensitivitas Suku Bunga (lanjutan) Interest Rate Sensitivitiy (continued)
Penilaian profil risiko Bank dilakukan per triwulan. The Bank's risk profile assessment is conducted
Berdasarkan laporan hasil penilaian sendiri quarterly. Based on the self-assessment report on
(self-assessment) posisi 31 Desember 2024, Net Risk December 31, 2023, Net Risk for market risk is 2
untuk risiko pasar adalah 2 (Low To Moderate) dengan (Low To Moderate) with inherent risk at level 2 (Low To
risiko inheren berada pada tingkat 2 (Low To Moderate) Moderate) and the quality of risk management
dan kualitas penerapan manajemen risiko berada pada implementation is at level 2 (Satisfactory), which is
tingkat 2 (Satisfactory), yang didasarkan pada based on considerations including:
pertimbangan antara lain :
- Pelaksanaan kegiatan unit kerja yang berhubungan - The implementation of work unit activities related to
dengan risiko pasar cukup memadai sesuai dengan market risk/treasury is considered adequate in
tingkat kompleksitas dan skala bisnis bank, serta telah accordance with level of complexity and scale of
berjalan dengan relatif baik, dengan pengawasan bank's business, and has been running relatively
berjenjang. well, with tiered supervision.
- Pemantauan dan sistem pengendalian internal dinilai - Monitoring and internal control systems considered
telah cukup memadai untuk mendukung pelaksanaan adequacy enough to support the implementation of
manajemen risiko pasar, terutama peran sistem market risk management, especially the role of
informasi manajemen untuk membantu dalam management information systems to help monitor
pemantauan eksposur risiko pasar yang dihadapi market risk exposures faced by Banks information
Bank. systems.
- Organisasi di unit kerja tresuri relatif masih kecil, - Organizations in treasury division are relatively still
tidak kompleks sehingga lebih fleksibel dalam small, not complex so they are more flexible in
pelaksanaan tugas sehari-hari. carrying out their daily tasks.
- Kebijakan, prosedur dan limit risiko pasar dinilai - Policies, procedures and market risk limits are
masih mencukupi untuk skala bisnis dan kompleksitas considered still sufficient for current business scale
Bank saat ini. Reviu berkala secara konsisten and bank complexity, but need to be reviewed
dilakukan untuk memastikan relevansinya dengan continuously from time to time to ensure their
kondisi terkini. relevance to the current conditions.
4. Risiko Operasional 4. Operational Risk
Risiko operasional adalah risiko yang disebabkan oleh Operational risk is a risk caused by insufficient and / or
ketidakcukupan dan/atau tidak berfungsinya proses non-functioning of internal processes, human error,
internal, kesalahan manusia, kegagalan sistem atau system failure or the presence of external factors that
adanya faktor eksternal yang mempengaruhi operasional affect the Bank's operations.
Bank.
Pengelolaan risiko operasional meliputi hal-hal yang Operational risk management also includes matters
terkait dengan pengembangan produk, sistem, sumber related to the development of products, systems, human
daya manusia dan prinsip “know your customer” sebagai resources and the principle of "know your customer" as
aspek pencegahan terhadap kemungkinan adanya hal-hal a precaution against possible aspect of things that are
yang tidak diinginkan. Risiko operasional merupakan not desirable. Operational risk is the chance of loss due
peluang kerugian yang disebabkan adanya kegagalan to failure of processes, systems or personnel weaknesses,
proses, kelemahan sistem atau personil, kelalaian, omissions, crime, the combination of the above factors
kejahatan, kombinasi faktor diatas maupun karena faktor as well as factors that are not always under the control
yang tidak selalu berada di bawah kendali Bank. Dalam of the Bank. In operational risk management, each
pengelolaan risiko operasional, masing-masing unit business unit is responsible for the risks that occur in
usaha bertanggung jawab untuk risiko yang terjadi pada day-to-day operational activities with reference to the
kegiatan operasional sehari-hari dengan mengacu pada policies and procedures, controls and monitoring
kebijakan dan prosedur, pengendalian dan pengawasan routine.
rutin.
- 103 -
Page 274
PT BANK OF INDIA INDONESIA TBK PT BANK OF INDIA INDONESIA TBK
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
UNTUK TAHUN YANG BERAKHIR FOR THE YEAR ENDED
PADA 31 DESEMBER 2024 DECEMBER 31, 2024
(Disajikan dalam Rupiah, kecuali dinyatakan lain) (Expressed in Rupiah, unless otherwise stated)
38. MANAJEMEN RISIKO (lanjutan) 38. RISK MANAGEMENT (continued)
Profil Risiko (lanjutan) Risk Profile (continued)
4. Risiko Operasional (lanjutan) 4. Operational Risk (continued)
Dalam rangka efektifitas pengelolaan risiko operasional, In order to have effective operational risk management,
Bank menyusun kerangka kerja mengacu pada regulasi the Bank draws up a framework referring to Bank
Bank Indonesia, Otoritas Jasa Keuangan, best practise di Indonesia regulations, the Financial Services Authority,
industri perbankan. Dalam hal ini, Bank memiliki best practices in the banking industry. In this case, the
Kebijakan Manajemen Risiko, Standar Operasi dan Bank has a Risk Management Policy, Operating
Prosedur, Pernyataan Standar Akuntasi Keuangan dan Standards and Procedures, Statement of Financial
Petunjuk Teknis Operasional yang meliputi aspek Accounting Standards and Operational Technical
governance maupun sistem pelaporan. Guidelines covering aspects of governance and
reporting systems.
Pelaksanaan operational risk governance dilakukan The operational risk governance implementation is
melalui: carried out through:
• Pengawasan aktif Dewan Komisaris dan Direksi • Active supervision by the Board of Commissioners
melalui Komite Manajemen Risiko; and Directors through the Risk Management
Committee;
• Pelaksanaan pengelolaan risiko operasional: • Implementation of operational risk management:
- Unit kerja sebagai risk owner yang - Work unit as a risk owner responsible for the
bertanggungjawab terhadap pengelolaan risiko management of operational risk directly;
operasional secara langsung;
- Unit manajemen risiko yang menjalankan fungsi - Risk management unit that runs the surveillance
pengawasan; Internal audit yang menjalankan function; Internal audit perform the independent
fungsi independent assurance. assurance function.
Bank telah meningkatkan fungsi kontrol dalam Bank has increased its control function in the processing
pemrosesan transaksi yang dilakukan antara lain of transactions conducted, among others, by
dengan cara menerapkan prosedur yang menjamin implementing procedures that ensure timely completion
ketepatan waktu penyelesaian transaksi, melakukan of the transaction, make adjustments to the accounting
penyesuaian metode akuntansi terhadap standar yang methods applicable standards, maintain document and
berlaku, memelihara dokumen dan arsip secara tertib, records in an orderly, secure access to asset, data and
mengamankan akses terhadap aset, data dan aset dalam assets in custody through the use of passwords and
kustodian melalui penggunaan password dan apply the principle of know your customer to minimize
menerapkan prinsip mengenal nasabah untuk the operational risks incurred. By increasing the
meminimalisasi risiko operasional yang timbul. intensity of training and socialization that aims to
Penambahan intensitas pelatihan dan sosialisasi yang increase the understanding and awareness of each
bertujuan untuk meningkatkan pemahaman dan individual in carrying out their duties and
awareness setiap individu dalam menjalankan tugas responsibilities is to minimization of operational risk in
dan tanggung jawabnya merupakan suatu langkah terms of human resources.
untuk minimalisasi risiko operasional dari segi sumber
daya manusia.
Penilaian profil risiko Bank dilakukan per triwulan. The Bank's risk profile assessment is conducted
Berdasarkan laporan hasil penilaian sendiri quarterly. Based on the self-assessment report position
(self-assessment) posisi 31 Desember 2024, Net Risk on December 31, 2024, Net Risk for operational risk is
untuk risiko operasional adalah 2 (Low to Moderate) 2 (Low To Moderate) with inherent risk at level 3
dengan risiko inheren berada pada tingkat 2 (Low to (Moderate) and the quality of risk management
Moderate) dan kualitas penerapan manajemen risiko implementation is at level 2 (Satisfactory), which is
berada pada tingkat 2 (Satisfactory), yang didasarkan based on considerations including:
pada pertimbangan antara lain :
1. Bisnis yang dijalankan Bank memiliki karakteristik 1. The business run by the Bank has characteristics
yang dinilai belum terlalu kompleks; that are considered not too complex;
2. Peningkatan kapabilitas sumber daya manusia terus 2. Human resource capability improvements are
dilakukan untuk menghindari peristiwa risiko continuously carried out to avoid operational risk
operasional yang mengakibatkan sanksi denda dari events that result in fines from regulators.;
regulator;
- 104 -
Page 275
PT BANK OF INDIA INDONESIA TBK PT BANK OF INDIA INDONESIA TBK
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
UNTUK TAHUN YANG BERAKHIR FOR THE YEAR ENDED
PADA 31 DESEMBER 2024 DECEMBER 31, 2024
(Disajikan dalam Rupiah, kecuali dinyatakan lain) (Expressed in Rupiah, unless otherwise stated)
38. MANAJEMEN RISIKO (lanjutan) 38. RISK MANAGEMENT (continued)
Profil Risiko (lanjutan) Risk Profile (continued)
4. Risiko Operasional (lanjutan) 4. Operational Risk (continued)
Berdasarkan laporan hasil penilaian sendiri Based on the self-assessment report position on
(self-assessment) posisi 31 Desember 2024, Net Risk December 31, 2024, Net Risk for operational risk is 2
untuk risiko operasional adalah 2 (Low to Moderate) (Low To Moderate) with inherent risk at level 3
dengan risiko inheren berada pada tingkat 2 (Low to (Moderate) and the quality of risk management
Moderate) dan kualitas penerapan manajemen risiko implementation is at level 2 (Satisfactory), which is
berada pada tingkat 2 (Satisfactory), yang didasarkan based on considerations including: (continued)
pada pertimbangan antara lain : (lanjutan)
3. Pengembangan Aplikasi pendukung Central Bank 3. There are still many manual mechanisms in
Reporting (CBR) masih berlangsung, yang ke preparing reports, as well as online integration into
depannya diharapkan dapat memproses pembuatan the core banking system of two applications, namely
laporan kepada regulator secara otomatis dan dapat RTGS Gen 2 and SKN Gen 2, resulting in exposure
menurunkan risiko kesalahan yang disebabkan oleh to the risk of human error from the reporting
human error. process.
5. Risiko Hukum 5. Legal Risk
Risiko hukum merupakan risiko yang disebabkan oleh Legal risk is the risk caused by the weakness of juridicial
kelemahan sistem yuridis atau oleh adanya gugatan system or by the legal challenge, the absence of clear
hukum, ketiadaan hukum yang jelas atau adanya legal support or a weakness in the contract, claims or
kelemahan dalam kontrak, klaim atau agunan. Risiko collaterals. Legal risk at the Bank are managed to
hukum di Bank dikelola untuk mengurangi reduce the likelihood of harm from lawsuits or
kemungkinan kerugian dari tuntutan hukum atau weaknesses of the juridicial aspects such as the absence
kelemahan aspek yuridis seperti ketiadaan peraturan of legislation in favour of or weakness of engagement
perundang-undangan yang mendukung atau kelemahan such as non-compliance with the terms of contracts or
perikatan seperti tidak dipenuhinya syarat sahnya imperfect collateral binding.
kontrak atau pengikatan agunan yang tidak sempurna.
Dalam rangka mengendalikan risiko hukum yang In order to control legal risk that may occur, the Bank
mungkin terjadi, Bank telah membentuk unit-unit kerja has established legal and remedial units at the head
legal dan remedial di kantor pusat. Unit kerja tersebut office. This division is in charge of analyzing the legal
bertugas melakukan analisis aspek hukum terhadap aspects of existing and new products or activities, as
produk atau aktivitas existing dan baru, juga melakukan well as regularly supervising and reviewing agreements
supervise dan review secara berkala terhadap perjanjian or contracts that have been made and executed by
atau kontrak yang telah dibuat dan dilaksanakan oleh business unit while taking into account the applicable
unit-unit bisnis dengan tetap memperhatikan ketentuan legal provisions and laws.
hukum dan perundangan yang berlaku.
Dalam pengendalian risiko hukum, Bank telah To control legal risk, the Bank has mitigated legal risk,
melakukan mitigasi risiko hukum, dengan cara antara by means of:
lain:
- Membuat kebijakan manajemen risiko hukum, - Creating a legal risk management policy, has
mempunyai ketentuan internal yang mengatur internal provisions managing the organizational
mengenai struktur organisasi dan deskripsi pekerjaan structure and job description of all work units, as
seluruh unit kerja, serta membuat standardisasi well as standardising legal documents;
dokumen hukum;
- Mendaftarkan aset-aset milik Bank diantaranya hak - Registering assets belonging to the Bank, for
atas tanah dan bangunan milik Bank pada instansi example, rights to land and buildings owned by the
yang berwenang; Bank at the competent authority;
- Melakukan pemantauan dan upaya tindakan hukum - Monitor and carry out legal actions for violations
atas pelanggaran terhadap aset-aset Bank; of Bank assets;
- Melakukan inventarisasi, memonitor, menganalisa - Conduct inventory, monitor, analyse and calculate
dan menghitung potensi kerugian yang mungkin potential losses that may arise related to legal cases
timbul terkait kasus-kasus hukum yang terjadi. that occur.
- 105 -
Page 276
PT BANK OF INDIA INDONESIA TBK PT BANK OF INDIA INDONESIA TBK
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
UNTUK TAHUN YANG BERAKHIR FOR THE YEAR ENDED
PADA 31 DESEMBER 2024 DECEMBER 31, 2024
(Disajikan dalam Rupiah, kecuali dinyatakan lain) (Expressed in Rupiah, unless otherwise stated)
38. MANAJEMEN RISIKO (lanjutan) 38. RISK MANAGEMENT (continued)
Profil Risiko (lanjutan) Risk Profile (continued)
5. Risiko Hukum (lanjutan) 5. Legal Risk (continued)
Penilaian profil risiko Bank dilakukan per triwulan. The Bank's risk profile assessment is conducted
Berdasarkan laporan hasil penilaian sendiri quarterly. Based on the self-assessment report position
(self-assessment) posisi 31 Desember 2024, Net Risk on December 31, 2024, Net Risk for legal risk is 2
untuk risiko hukum adalah 2 (Low To Moderate) dengan (Low To Moderate) with inherent risk at level 2 (Low To
risiko inheren berada pada tingkat 2 (Low To Moderate) Moderate) and the quality of risk management
dan kualitas penerapan manajemen risiko berada pada implementation is at level 2 (Satisfactory), which is
tingkat 2 (Satisfactory), yang didasarkan pada based on considerations including:
pertimbangan antara lain :
1. Tingkat risiko bidang hukum yang diambil dinilai 1. The level of risk in the legal field taken is considered
sejalan dengan risk appetite Bank dan dengan arah in line with the Bank's risk appetite and with the
sasaran strategis yang ditetapkan; direction of the strategic objectives set;
2. Pelaksanaan pengawasan bidang hukum dinilai telah 2. The implementation of legal supervision is
berjalan dengan peningkatan yang berkelanjutan; considered to have been carried out with continuous
improvement.;
3. Kebijakan dan prosedur manajemen risiko hukum 3. Legal risk management policies and procedures are
dinilai perlu terus menerus direviu dalam hal deemed necessary to be continuously reviewed in
identifikasi, mengukur, memantau dan terms of identifying, measuring, monitoring and
mengendalikan risiko hukum, terkait dengan kondisi controlling legal risk, related to conditions that are
yang terus menerus berubah. constantly changing.
4. Dalam menjalankan penerapan manajemen risiko 4. In carrying out the implementation of risk
secara menyeluruh, prosedur terkait bidang legal management as a whole, procedures related to the
dinilai perlu dilaksanakan dengan sebaik-baiknya legal field need to be carried out properly
dengan mempertimbangkan risiko-risiko yang ada, considering the existing risks, including related
antara lain terkait analisa, pengikatan maupun analysis, binding and reassessment of credit
penilaian ulang jaminan kredit. guarantees.
6. Risiko Reputasi 6. Reputational Risk
Risiko reputasi Bank dikelola untuk mengurangi Bank reputational risk is managed to reduce the
kemungkinan kerugian akibat menurunnya tingkat likelihood of losses due to decreasing stakeholder
kepercayaan pemangku kepentingan (stakeholder) yang confidence stemming from negative perceptions of the
bersumber dari persepsi negatif terhadap Bank. Upaya Bank. The Bank manages reputational risk by optimizing
Bank mengelola risiko reputasi dengan mengoptimalkan the management of customer complaints report, further
pengelolaan pelaporan keluhan pelanggan, selanjutnya resolving the matter in accordance with applicable
menyelesaikan permasalahan tersebut sesuai ketentuan provisions; manage the amount of negative news
yang berlaku; mengelola jumlah pemberitaan negatif available in the media, both printed and electronic and
yang ada di media, baik media cetak maupun media follow up the news in accordance with applicable
elektronik dan menindaklanjuti pemberitaan tersebut regulations.
sesuai dengan ketentuan yang berlaku.
Penilaian profil risiko Bank dilakukan per triwulan. The Bank's risk profile assessment is conducted
Berdasarkan laporan hasil penilaian sendiri quarterly. Based on the self-assessment report position
(self-assessment) posisi 31 Desember 2024, Net Risk on December 31, 2024, Net Risk for reputation risk is 2
untuk risiko reputasi adalah 2 (Low To Moderate) dengan (Low To Moderate) with inherent risk at level 2 (Low To
risiko inheren berada pada tingkat 2 (Low To Moderate) Moderate) and the quality of risk management
dan kualitas penerapan manajemen risiko berada pada implementation is at level 2 (Satisfactory), which is
tingkat 2 (Satisfactory), yang didasarkan pada based on considerations, among others, that there are no
pertimbangan antara lain tidak terdapat publikasi negatif negative publications affecting the Bank's business and
yang mempengaruhi bisnis Bank dan semua pengaduan all customer complaints have been resolved properly in
nasabah telah diselesaikan dengan baik sesuai dengan accordance with applicable regulations.
ketentuan yang berlaku.
- 106 -
Page 277
PT BANK OF INDIA INDONESIA TBK PT BANK OF INDIA INDONESIA TBK
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
UNTUK TAHUN YANG BERAKHIR FOR THE YEAR ENDED
PADA 31 DESEMBER 2024 DECEMBER 31, 2024
(Disajikan dalam Rupiah, kecuali dinyatakan lain) (Expressed in Rupiah, unless otherwise stated)
38. MANAJEMEN RISIKO (lanjutan) 38. RISK MANAGEMENT (continued)
Profil Risiko (lanjutan) Risk Profile (continued)
7. Risiko Strategis 7. Strategic Risk
Risiko yang disebabkan oleh adanya pengambilan The risk caused by the decision making and/or
keputusan dan/atau penerapan strategi Bank yang tidak implementation on strategy that is not appropriate to the
tepat atau kegagalan Bank dalam merespon perubahan- Bank, or the Bank failures in responding to the changes
perubahan dari kondisi eksternal dapat dikategorikan of external conditions can be categorized as Strategic
sebagai Risiko Strategis. Risiko strategis dikelola oleh Risk. Strategic risk is managed by the Bank at the end of
Bank setiap akhir tahun untuk penetapan strategi pada each year to decide strategies for the beginning of next
awal tahun berikutnya, dengan melibatkan berbagai year, with the involvement of internal parties thus
pihak internal Bank sehingga diharapkan pencapaian achievement of Bank’s strategies can be more focused
strategi bank dapat lebih terfokus dan dipahami oleh and understood by all key-person i.e: managing Bank
setiap key-person misalnya: mengelola pedoman Bank guidelines by making changes, additions or reductions in
dengan cara melakukan perubahan, penambahan atau accordance with current regulatory policies.
pengurangan sesuai dengan kebijakan regulator yang
berlaku saat ini.
Rencana Kerja dan Rencana Strategik yang telah Work Plan and Strategic Plan established by the Bank
ditetapkan Bank dikomunikasikan kepada pejabat dan are communicated to the Bank’s officers and employees
pegawai Bank pada setiap jenjang organisasi, dan at every level of the organization, and monitor the
memantau kemajuan yang dicapai dari realisasi anggaran progress of the budget and performance in accordance
dan kinerja sesuai dengan yang telah ditetapkan. with determined basis.
Penilaian profil risiko Bank dilakukan per triwulan. The Bank's risk profile assessment is conducted
Berdasarkan laporan hasil penilaian sendiri quarterly. Based on the self-assessment report position
(self-assessment) posisi 31 Desember 2024, Net Risk on December 31, 2024, Net Risk for strategic risk is 2
untuk risiko strategis adalah 2 (Low To Moderate) dengan (Low To Moderate) with inherent risk at level 2 (Low To
risiko inheren berada pada tingkat 2 (Low To Moderate) Moderate) and the quality of risk management
dan kualitas penerapan manajemen risiko berada pada implementation is at level 2 (Satisfactory), which is
tingkat 2 (Satisfactory), yang didasarkan pada based on considerations, among others, the achievement
pertimbangan antara lain pencapaian kinerja Bank secara of the Bank's performance in general has met the RBB
umum telah memenuhi target RBB Tahun 2024-2026. target for 2024-2026. As stated in the 2025-2027 RBB,
Sebagaimana tertuang dalam RBB Tahun 2025-2027, the Bank plans several superior products, services, and
Bank merencanakan beberapa produk, layanan, dan fitur features on electronic payment channels that are already
unggulan pada kanal pembayaran elektronis yang telah running in the form of ATM networks, Internet Banking,
berjalan dalam bentuk jaringan ATM, Internet Banking, and Mobile Banking.
dan Mobile Banking.
8. Risiko Kepatuhan 8. Compliance Risk
Risiko kepatuhan adalah risiko yang disebabkan Bank Compliance risk is the risk that arises because the Bank
tidak memenuhi penerapan peraturan perundang- does not comply with legislation implementation and
undangan dan ketentuan lain yang berlaku, antara lain other applicable provisions, such as, the fulfillment of
pemenuhan rasio Kewajiban Pemenuhan Modal Capital Adequacy Ratio (KPMM), Legal Lending Limit
Minimum (KPMM), Batas Maksimum Pemberian Kredit (BMPK), Net Open Position (PDN), implementation of
(BMPK), Posisi Devisa Neto (PDN), penerapan tata Good Corporate Governance (GCG) and others,
kelola perusahaan (GCG) dan lain-lain, termasuk juga including the fulfillment of targets that must be submitted
pemenuhan target-target laporan yang harus disampaikan both reports to Bank Indonesia, Financial Services
baik ke Bank Indonesia, Otoritas Jasa Keuangan, maupun Agency, and the capital market institutions regarding the
ke institusi pasar modal terkait status Bank sebagai status of the Bank as a public company and listed on the
perusahaan terbuka dan tercatat di Bursa Efek Indonesia. Indonesia Stock Exchange. The Bank’s efforts to manage
Upaya Bank mengelola risiko kepatuhan melalui compliance risks through company guidelines along with
mengelola pedoman perusahaan bersama dengan unit legal unit and certifying compliance with policies and
kerja legal dan melakukan sertifikasi kepatuhan terhadap procedures in accordance with applicable provisions.
kebijakan dan prosedur sesuai dengan ketentuan yang
belaku.
- 107 -
Page 278
PT BANK OF INDIA INDONESIA TBK PT BANK OF INDIA INDONESIA TBK
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
UNTUK TAHUN YANG BERAKHIR FOR THE YEAR ENDED
PADA 31 DESEMBER 2024 DECEMBER 31, 2024
(Disajikan dalam Rupiah, kecuali dinyatakan lain) (Expressed in Rupiah, unless otherwise stated)
38. MANAJEMEN RISIKO (lanjutan) 38. RISK MANAGEMENT (continued)
Profil Risiko (lanjutan) Risk Profile (continued)
8. Risiko Kepatuhan (lanjutan) 8. Compliance Risk (continued)
Tidak terpenuhinya ketentuan-ketentuan tersebut Non-fulfillment of these requirements carries risks for
membawa risiko bagi Bank antara lain pengenaan sanksi the Bank, which will lead to the imposition of sanctions
denda dan juga sanksi lainnya terhadap Manajemen Bank. of fines and other sanctions against the management of
Dalam pelaksanaannya, Direktur Kepatuhan dibantu the Bank. In practice, the Director of Compliance is fully
sepenuhnya oleh Satuan Kerja Kepatuhan dalam hal supported by the Compliance Working Unit in terms of
memantau terlaksananya pemenuhan atas peraturan- monitoring the implementation of compliance with
peraturan yang ada, baik internal maupun eksternal. existing regulations, both internal and external.
Penilaian profil risiko Bank dilakukan per triwulan. The Bank's risk profile assessment is conducted
Berdasarkan laporan hasil penilaian sendiri quarterly. Based on the self-assessment report position
(self-assessment) posisi 31 Desember 2024, Net Risk on December 31, 2024, Net Risk for compliance risk is 2
untuk risiko kepatuhan adalah 2 (Low To Moderate) (Low To Moderate) with inherent risk at level 3
dengan risiko inheren berada pada tingkat 2 (Low to (Moderate) and the quality of risk management
Moderate) dan kualitas penerapan manajemen risiko implementation is at level 2 (Satisfactory), which is
berada pada tingkat 2 (Satisfactory), yang didasarkan based on considerations, among others, the Bank's
pada pertimbangan antara lain pemenuhan Bank sebagai fulfillment as an issuer of the obligation of the number of
emiten atas kewajiban jumlah saham free float dan free float shares and the fulfillment of all OJK findings
pemenuhan seluruh temuan OJK tahun 2023 sesuai in 2023 in accordance with the agreed commitments and
dengan komitmen dan target waktu yang disepakati. time targets.
Dalam rangka memenuhi kepatuhan pada POJK Nomor In order to comply POJK No. 17 Year 2023 regarding
17 Tahun 2023 tentang Penerapan Tata Kelola Bagi Bank the Implementation of Good Corporate Governance, the
Umum, Bank secara terus-menerus berupaya Bank is continuing its endeavour to improve its
memperbaiki tata kelola perusahaan yang baik dengan governance by performing several actions to improve the
melakukan langkah-langkah perbaikan tingkat kesehatan Bank’s soundness level including capital section to
Bank termasuk pada sisi permodalan dengan mengacu comply with applicable regulations in Indonesia.
pada ketentuan yang berlaku di Indonesia.
Laporan Profil Risiko Risk Profile Report
Secara berkala Bank melakukan penilaian risiko terhadap The Bank periodically conducts a risk assessment of the
8 risiko diatas sebagaimana telah diatur oleh OJK. 8 risks above as stipulated by OJK. Risk assessment
Penilaian risiko menghasilkan profil risiko yang terdiri results risk profile which consists of inherent risk which
dari risiko inheren yaitu risiko yang melekat pada is the risk attached in bank activities and risk control
aktivitas bank dan sistem pengendalian risiko yaitu systems which control the inherent risks.
pengendalian terhadap risiko inheren.
Hasil penilaian profil Bank yang telah disampaikan The Bank profile assessment results which have been
kepada Direktur Utama dan Komite Manajemen Risiko submitted to the President Director and Risk
segera disampaikan kepada Otoritas Jasa Keuangan Management Committee are immediately submitted to
(OJK) secara triwulanan. Financial Services Authority (OJK) on a quarterly basis.
- 108 -
Page 279
PT BANK OF INDIA INDONESIA TBK PT BANK OF INDIA INDONESIA TBK
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
UNTUK TAHUN YANG BERAKHIR FOR THE YEAR ENDED
PADA 31 DESEMBER 2024 DECEMBER 31, 2024
(Disajikan dalam Rupiah, kecuali dinyatakan lain) (Expressed in Rupiah, unless otherwise stated)
39. MANAJEMEN RISIKO PERMODALAN 39. CAPITAL RISK MANAGEMENT
Bank memelihara modal yang dikelola untuk mengatasi The Bank maintains its managed capital base to cover
risiko yang melekat dalam bisnis perbankan. Kecukupan inherent risks in the banking business. The adequacy of the
modal Bank dipantau menggunakan rasio Kewajiban Bank’s capital is monitored using a Capital Adequacy
Penyediaan Modal Minimum (KPMM), sebagaimana Ratio (KPMM), as requested by Bank Indonesia.
disyaratkan oleh Bank Indonesia.
Pengelolaan modal Bank berfokus pada kepatuhan terhadap The Bank’s capital management focuses on compliance
jumlah modal minimum yang disyaratkan dan pemeliharaan with the minimum required capital and maintenance of an
rasio KPMM yang memadai untuk membiayai dan adequate KPMM to finance and sustain its day-to-day
menopang operasi dan untuk memaksimalkan nilai operations and to maximize ownership value. The Bank
kepemilikan pemegang saham. Bank dapat mengubah may change its capital structure based on changes of
struktur modal apabila terjadi perubahan kondisi ekonomi economic conditions and risk characteristics of business.
dan karakteristik risiko bisnis. Salah satu strategi dalam One of the capital management strategies is issuance of
manajemen modal adalah penerbitan saham. Pengelolaan capital stock. Capital management is performed by the
modal dilakukan oleh Dewan Direksi dan Dewan Komisaris Bank’s Board of Directors and Commissioners.
Bank.
Bank menghitung kebutuhan modal berdasarkan POJK Banks calculate capital requirements based on POJK
Nomor 11/POJK.03/2016 dan perubahannya POJK Nomor Number 11/POJK.03/2016 and its amendment POJK
34/POJK.03/2016 tentang Kewajiban Penyediaan Modal Number 34/POJK.03/2016 concerning the Capital
Minimum Bank Umum dimana modal yang diwajibkan Adequacy Ratio (CAR) for Commercial Banks, where the
regulator dianalisis dalam 2 tier sebagai berikut: capital required by the regulator is analyzed in 2 tiers as
follows:
• Modal inti (tier 1) merupakan modal inti utama. Modal • Core capital (tier 1) is core capital. Core capital
inti utama antara lain meliputi modal ditempatkan dan includes issued and fully paid-up capital, additional
disetor penuh, tambahan modal disetor, cadangan paid-in capital, general reserve, retained earnings and
umum, laba tahun-tahun lalu dan periode/tahun berjalan profit for the period/year (100%), other
(100%), penghasilan komprehensif lainnya, selisih comprehensive income, shortfall between allowable
kurang dari penyisihan penghapusan aset produktif amount of allowance for uncollectible account on
sesuai ketentuan Otoritas Jasa Keuangan (OJK) dan productive assets according to Financial Services
cadangan kerugian penurunan nilai aset produktif yang Authority (OJK) regulation and allowance for
diperbolehkan. Perhitungan pajak tangguhan dan aset impairment losses on productive assets. Calculation of
takberwujud merupakan faktor pengurang modal inti deferred tax and intangible assets are deducted from
utama. core capital.
• Modal pelengkap (tier 2) meliputi penyisihan • Suplementary capital (tier 2), which includes
penghapusan aset produktif sesuai ketentuan Otoritas allowance for uncollectible account on productive
Jasa Keuangan (OJK). assets according to Financial Services Authority
(OJK) regulation.
Bank tidak mempunyai modal inti tambahan yang The Bank does not have any additional core capital which
memenuhi kriteria peraturan BI yang berlaku. meets the criteria under prevailing BI regulation.
Kewajiban Penyediaan Modal Minimum sebagaimana Capital Adequacy Ratio are as follows:
dimaksud ditetapkan sebagai berikut:
• 8% dari Aset Tertimbang Menurut Risiko (ATMR) • 8% of Risk-Weighted Asset (ATMR) for banks with risk
untuk bank dengan profil risiko peringkat 1. rating 1.
• 9% sampai dengan kurang dari 10% dari ATMR untuk • 9% up to less than 10% of ATMR for banks with risk
bank dengan profil risiko peringkat 2. rating 2.
• 10% sampai dengan kurang dari 11% dari ATMR untuk • 10% up to less than 11% of ATMR for banks with risk
bank dengan profil risiko peringkat 3. rating 3.
• 11% sampai dengan 14% dari ATMR untuk bank • 11% up to 14% of ATMR for banks with risk rating
dengan profil risiko peringkat 4 atau peringkat 5. 4 or rating 5.
- 109 -
Page 280
PT BANK OF INDIA INDONESIA TBK PT BANK OF INDIA INDONESIA TBK
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
UNTUK TAHUN YANG BERAKHIR FOR THE YEAR ENDED
PADA 31 DESEMBER 2024 DECEMBER 31, 2024
(Disajikan dalam Rupiah, kecuali dinyatakan lain) (Expressed in Rupiah, unless otherwise stated)
39. MANAJEMEN RISIKO PERMODALAN (lanjutan) 39. CAPITAL RISK MANAGEMENT (continued)
Posisi rasio kecukupan modal (KPMM) Bank pada The Bank’s capital adequacy ratio (CAR) as of December
31 Desember 2024 dan 2023 adalah masing-masing sebesar 31, 2024 and 2023 are 88.58% and 92.55%, respectively,
88,58% dan 92,55% dengan rincian sebagai berikut: computed as follows:
2024 2023
Rp000.000 Rp000.000
Modal Capital
Modal inti (Tier 1) 3.357.542 3.291.816 Core capital (Tier 1)
Modal pelengkap (Tier 2) 31.897 31.087 Supplementary capital (Tier 2)
Jumlah Modal 3.389.439 3.322.903 Total Capital
Aset tertimbang menurut risiko: Risk weighted assets:
Risiko kredit 3.635.421 3.424.557 Credit risk
Risiko operasional 191.181 166.371 Operational risk
Dengan memperhitungkan risiko 3.826.602 3.590.928 Including credit, market and operational
kredit, pasar dan operasional risks
Rasio Kewajiban Penyediaan Modal Capital Adequacy Ratio (KPMM):
Minimum (KPMM):
Rasio CET 1 87,74% 91,67% Ratio CET 1
Rasio Tier 1 87,74% 91,67% Ratio Tier 1
Rasio Tier 2 0,83% 0,87% Ratio Tier 2
Rasio Jumlah 88,58% 92,54% Ratio total
Rasio Kewajiban Penyediaan Modal 10,00% 10,00% Minimum Capital Adequacy Ratio
Minimum yang diwajibkan
40. STANDAR AKUNTANSI YANG TELAH DISAHKAN 40. ACCOUNTING STANDARDS ISSUED BUT NOT YET
NAMUN BELUM BERLAKU EFEKTIF EFFECTIVE
Berikut ini ikhtisar PSAK yang telah disahkan oleh Dewan The following summarises the SFAS that are issued by the
Standar Akuntansi Keuangan (“DSAK”) di Indonesia, tetapi Indonesian Accounting Standards Board (“IASB”), but not
belum berlaku efektif untuk laporan keuangan untuk tahun yet effective for the financial statements for the year ended
yang berakhir pada tanggal 31 Desember 2024: December 31, 2024:
Efektif 1 Januari 2025: Effective January 1, 2025:
• PSAK No. 117 (sebelumnya PSAK No. 74), “Kontrak • PSAK No. 117 (previously PSAK No. 74), “Insurance
Asuransi”; dan Contract”; and
• Amendemen PSAK No. 117 (sebelumnya PSAK • Amendment to No. 117 (previously PSAK No. 74),
No. 74), “Kontrak Asuransi tentang Penerapan Awal “Insurance Contract - Initial Application of PSAK
PSAK No. 117 (sebelumnya PSAK No. 74) dan PSAK No. 117 (previously PSAK No. 74) and PSAK No. 109
No. 109 (sebelumnya PSAK No. 71) – Informasi (previously PSAK No. 71) – Comparative
Komparatif”; dan Information”.
• PSAK No. 221 (sebelumnya PSAK No. 10), “Pengaruh • PSAK No. 221 (previously PSAK No. 10),
Perubahan Kurs Valuta Asing terkait kondisi ketika “Presentation of Financial Statements regarding long
suatu mata uang tidak tertukarkan Asuransi”. term liabilities with the covenant”.
Pada saat penerbitan laporan keuangan, Bank masih As of the authorisation date of this financial statements, the
mempelajari dampak yang mungkin timbul dari penerapan Bank is still evaluating the potential impact of these new and
standar baru dan revisi tersebut serta pengaruhnya pada revised standards to the Bank’s financial statements.
laporan keuangan Bank.
- 110 -
Page 281
PT BANK OF INDIA INDONESIA TBK PT BANK OF INDIA INDONESIA TBK
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
UNTUK TAHUN YANG BERAKHIR FOR THE YEAR ENDED
PADA 31 DESEMBER 2024 DECEMBER 31, 2024
(Disajikan dalam Rupiah, kecuali dinyatakan lain) (Expressed in Rupiah, unless otherwise stated)
41. INFORMASI PENTING 41. IMPORTANT INFORMATION
Pada tanggal 12 Februari 2018, Bursa Efek Indonesia (BEI) On February 12, 2018, the Indonesia Stock Exchange (IDX)
melakukan suspensi sementara perdagangan efek Bank di temporarily suspended the trading of the Bank's securities
Seluruh Pasar karena rencana Delisting Efek Perseroan. in all markets due to the Company's delisting plan.
Namun, berdasarkan hasil Rapat Umum Pemegang Saham However, based on the results of the Extraordinary General
Luar Biasa (RUPSLB) tanggal 12 Desember 2023, Meeting of Shareholders (EGMS) dated December 12,
Pemegang Saham Bank menyetujui pembatalan keputusan 2023, the Bank's Shareholders approved the cancellation of
RUPSLB tanggal 26 Maret 2018 tentang Penghapusan the EGMS decision dated March 26, 2018 regarding
Pencatatan atau delisting di Bursa Efek Indonesia (BEI). Delisting on the Indonesia Stock Exchange (IDX). In
Sehubungan dengan hal tersebut, maka Bursa mencabut connection with this, the Exchange revoked the temporary
penghentian sementara perdagangan saham PT Bank of suspension of trading in shares of PT Bank of India
India Indonesia Tbk (BSWD) di Seluruh Pasar terhitung Indonesia Tbk (BSWD) in all markets starting from the first
sejak Sesi I Perdagangan Efek hari Senin tanggal trading session on Monday, December 18, 2023.
18 Desember 2023. Informasi pembatalan delisting tersebut Information on the cancellation of the delisting was
tercatat di Bursa melalui Papan Pemantauan Khusus recorded on the Exchange through the Special Monitoring
No. Peng-UPT-00010/BEI. PP3/12-2023. Board No. Peng-UPT-00010/BEI. PP3/12-2023.
- 111 -
Names mentioned 193 people and organisations named in the text · linked when the evidence is strong
unresolved
org
India Indonesia Tbk
p.1 ×73
unresolved
person
K.H. Samanhudi
p.1 ×8
unresolved
person
Tabel Rangkap
· Komisaris
p.4 ×2
unresolved
org
Bank Profile Index
p.5
unresolved
org
Administrative Sanctions INDIA INDONESIA Tbk
p.5
unresolved
org
Indonesia Stock Exchange
p.10 ×11
unresolved
org
Financial Services Authority
p.12 ×7
unresolved
org
Bank Indonesia
p.13 ×17
unresolved
org
Bank Indonesia’s
p.15
unresolved
person
Jayaprakash
p.18 ×2
unresolved
person
Bharathan
· Direktur
p.18
unresolved
org
Bank Bank Profile PROFIL BANK BANK’S PROFILE VISI
p.20
unresolved
person
Njoo Sioe Liep
p.20 ×3
unresolved
org
Menteri Kehakiman Republik Indonesia
p.20 ×2
unresolved
org
Minister of Justice
p.20 ×2
unresolved
org
PT Adimitra Jasa Korpora Rukan Kirana Boutique Office
p.20 ×2
unresolved
org
Bank Bank Profile SEKILAS PERUSAHAAN COMPANY AT A
p.21
unresolved
org
Bank Pasar Swadesi
p.21 ×5
unresolved
person
Liep
p.21
unresolved
org
Minister of Finance
p.21
unresolved
org
Bank Swadesi Tbk.
p.21 ×24
unresolved
org
Bank Devisa.
p.21
unresolved
org
Bank Swadesi. Consequently
p.21
unresolved
org
Bank Swadesi. In
p.21
unresolved
—
PSP
· Pemegang Saham Pengendali
p.21 ×2
unresolved
org
Bank Swadesi. Sejalan
p.21
unresolved
org
K.H. Samanhudi No. Bank
p.21
unresolved
—
India
· Pemegang Saham Pengendali
p.21
unresolved
org
Bank Bank Profile BUDAYA BANK BANK’S CULTURE
p.22
unresolved
org
Bank Bank Profile JEJAK LANGKAH MILESTONES
p.23
unresolved
org
Bank Pasar Swadesi. Peresmian
p.23
unresolved
org
Menteri Keuangan Republik Indonesia
p.23
unresolved
org
Bank Umum. Berganti
p.23
unresolved
org
Bank Swadesi. Bank Swadesi
p.23 ×2
unresolved
org
Ministry of Finance
p.23
unresolved
org
Bank Devisa. In
p.23
unresolved
org
Bank Swadesi. Therefore
p.23
unresolved
person
Gopinathan Ekamurthy
· Wakil Direktur Utama
p.23 ×3
unresolved
person
Prashant Thapliyal
· Direktur
p.23 ×5
unresolved
person
R.A. Sankara Narayanan Offering
p.23 ×4
unresolved
org
Bank Bank Profile
p.24 ×2
unresolved
org
PT Asuransi Reliance Indonesia
p.24 ×2
unresolved
person
Raj Kumar Mitra
· Komisaris Utama
p.24 ×4
unresolved
org
Indonesia Tbk.
p.24 ×13
unresolved
—
Deputy
· President Director
p.24
unresolved
org
Bank Appointed Mr. Sudhiranjan Padhi
· President Commissioner
p.24
unresolved
—
Appointed Mr. Jayaprakash Bharathan
· Vice President Director
p.24 ×18
unresolved
person
RTGS
· Direktur
p.24
unresolved
—
Appointed Mr. Sanjeev Bhalla
· Commissioner
p.24 ×5
unresolved
—
Banking Appointed Mr. RM Raharjo Satrio Unggul
· President Director
p.24 ×17
unresolved
—
Appointed Mr Lungguk Gultom
· Independent Commissioner
p.24 ×16
unresolved
org
Bank Bank Profile Produk Kredit
p.26
unresolved
org
PT Alto Network
p.26 ×2
unresolved
person
H. Zainul Arifin
p.26 ×3
unresolved
person
H.B.R. Motik
p.26 ×2
unresolved
org
Bank Garansi
p.26
unresolved
org
PT Artajasa
p.26
unresolved
org
PT Artajasa Pembayaran
p.26
unresolved
org
Bank Bank Profile JARINGAN KANTOR OFFICE NETWORK Salah
p.27
unresolved
org
Bank Bank Profile Kantor Pusat
p.28
unresolved
org
Bank Bank Profile STRUKTUR PEMEGANG SAHAM ENTITAS INDUK
p.29
unresolved
org
PT Panca
p.29 ×2
unresolved
org
STCI Finance Ltd
p.29
unresolved
org
Tanzania Ltd Ltd
p.29
unresolved
org
Ltd.
p.29
unresolved
org
International Banking
· Direktur
p.30
unresolved
org
Bank Bank Profile TABEL KEIKUTSERTAAN DALAM ASOSIASI TABLE
p.31
unresolved
person
Forum Komunikasi
· Direktur
p.31
unresolved
org
Bank Internasional Indonesia
p.31
unresolved
org
Bank Bank Profile PROFIL
p.32
unresolved
—
Master Computers. Beliau
· Komisaris Utama
p.32
unresolved
org
PT Procon
p.32
unresolved
org
PT Procon Indah
p.32
unresolved
org
PT Cushman
p.32 ×2
unresolved
org
Departemen Teknologi
p.32
unresolved
person
Sigiro
p.32 ×2
unresolved
org
Bank Bank Profile PROFIL DIREKSI BOARD
p.33
unresolved
person
University
· Komisaris
p.33
unresolved
person
Bharathidasan University
· Commissioner
p.33
unresolved
org
Bank Niaga Tbk
p.33 ×12
unresolved
org
Departemen UKM.
p.33
unresolved
org
Bank Restructuring Agency Penyehatan Perbankan Nasional
p.33
unresolved
org
Departemen Perizinan dan Manajemen Krisis
p.33
unresolved
org
PT Bank Commonwealth Indonesia
p.33
unresolved
org
PT Bank Commonwealth
p.33
unresolved
org
BPD Banten Tbk.
p.33 ×4
unresolved
org
Adira Dinamika Multifinance Tbk.
p.33 ×2
unresolved
person
Notary Winter Sigiro
p.33 ×5
unresolved
org
Bank Bank Profile CAROLINA DINA RUSDIANA
p.34
unresolved
org
PT Head Of Consumer Business
p.34
unresolved
org
PT CIMB Niaga Tbk
p.34 ×2
unresolved
org
Niaga Tbk
p.34 ×2
unresolved
org
PT Bank Dagang Nasional Indonesia
p.34 ×2
unresolved
org
PT Bank Dewa
p.34
unresolved
org
PT Bank Dewa Rutji
p.34
unresolved
org
PT Saseka Gelora Finance
p.34 ×2
unresolved
org
Bank ICB Bumiputera Tbk.
p.34 ×4
unresolved
org
PT Mitra Proteksi Mandani
p.34 ×2
unresolved
org
Intan Baruprana Finance Tbk
p.34
unresolved
org
PT Bentara Sinergies
p.34
unresolved
org
Deputy Intan Baruprana Finance Tbk
p.34
unresolved
org
PT Bank Ganesha. His
p.34
unresolved
org
PT Bank Ganesha. Terakhir
p.34
unresolved
org
PT Woka International
p.34 ×2
unresolved
org
PT Bank India Indonesia.
p.34
unresolved
—
Proper Test
· Sekretaris Perusahaan
p.34
unresolved
org
Bank Bank Profile CHANDRA SEKHAR MUKHERJEE
p.35
unresolved
org
PT Bank Rabobank
p.35
unresolved
org
PT Bank Rabobank International Indonesia
p.35
unresolved
org
Departemen Accounting
p.35
unresolved
org
PT Bank OCBC Indonesia. He
p.35
unresolved
org
Departemen Planning
p.35
unresolved
org
Departemen Investment Banking Development
p.35
unresolved
org
PT Bank Keputusan Anggota Dewan Komisioner
p.35
unresolved
org
Bank Bank Profile TABEL RANGKAP
p.36
unresolved
org
Bank Bali Balikpapan
p.36
unresolved
org
PT Bank Independent Commissioner Ekonomi Raharja Malang
p.36
unresolved
org
Bank Surabaya
p.36 ×2
unresolved
org
Commonwealth Bank Surabaya
· Commissioner
p.36
unresolved
org
PT Bank Resona Perdania
p.36 ×2
unresolved
org
Bank Nusantara Parahyangan Tbk
p.36 ×3
unresolved
org
PT Bank Fama International
p.36
unresolved
org
PT Bank Kepala Departemen
p.36
unresolved
org
Departemen Corporate Planning
p.36
unresolved
org
PT Bank Sahabat
p.36
unresolved
org
PT Bentara Sinergies Multifinance
p.36 ×2
unresolved
org
Bank Relationship General Manager. He
p.36
unresolved
org
Bank Relationship General Manager.
p.36
unresolved
org
Bank Bank Profile HARY SURYAWAN DWIPUTRA
p.37
unresolved
org
Swadesi Tbk
p.37
unresolved
org
PT Caraka Beliau
p.37
unresolved
org
PT Caraka Tirta Perkasa
p.37
unresolved
org
Bank Yudha Bakti
p.37
unresolved
org
Bank Syariah Mandiri
p.37 ×2
unresolved
org
Bank Yudha Bhakti
p.37
unresolved
org
PT Binaryworks
p.37
unresolved
org
PT Binaryworks Indonesia
p.37
unresolved
org
Bank Bank Profile SUMBER DAYA MANUSIA HUMAN RESOURCES
p.39
unresolved
org
Bank Bank Profile Tabel Jumlah Karyawan Menurut Lokasi
p.40
unresolved
org
PT Gugus Prima Solusi
p.40 ×2
unresolved
org
Sertifikasi Manajemen Risiko Jumlah Pegawai Baru
p.40
unresolved
person
Intipesan Conference
· Director
p.40
unresolved
person
Konferensi Intipesan
· Director
p.40
unresolved
org
PT Maisa Edukasi
p.40 ×2
unresolved
org
Bank Bank Profile INFORMASI KEPEMILIKAN SAHAM
p.43
unresolved
org
BAPEPAM
p.43 ×2
unresolved
org
BAPEPAM-LK
p.43 ×8
unresolved
—
Institusi Lokal / Local Institution
p.43
unresolved
org
India India Tbk
p.43
unresolved
org
Bank Bank Profile Umum
p.44
unresolved
org
Bank CAPITAL MARKET SUPPORTING INSTITUTIONS
p.44
unresolved
org
PT Kustodian Sentral Efek Indonesia
p.44
unresolved
org
Bank Kelapa Gading
p.44
unresolved
org
PT Adimitra Jasa Korpora
p.44 ×2
unresolved
org
Bank History
p.44
unresolved
org
Bank Location KAP Kanaka Puradireja
p.44
unresolved
org
Bank Governance CBD
p.44
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